Home > Lincoln State Bank, S.B. > Income and Expense
Lincoln State Bank, S.B., Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $410,000 | 6,276 |
| Total interest expense | $69,000 | 5,767 |
| Net interest income | $341,000 | 6,310 |
| Provision for loan and lease losses | $10,000 | 3,981 |
| Total noninterest income | $167,000 | 3,978 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $49,000 | 4,134 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $118,000 | 3,526 |
| Total noninterest expense | $514,000 | 5,510 |
| Salaries and employee benefits | $245,000 | 5,674 |
| Premises and equipment expense | $37,000 | 6,048 |
| Additional noninterest expense | $232,000 | 4,821 |
| Pre-tax net operating income | $-16,000 | 6,428 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-16,000 | 6,494 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-16,000 | 6,495 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-16,000 | 6,495 |
| Net charge-offs | $22,000 | 3,012 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-16,000 | 6,438 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,956,000 | 6,170 |
| Total interest expense | $362,000 | 5,710 |
| Net interest income | $1,594,000 | 6,203 |
| Provision for loan and lease losses | $280,000 | 3,492 |
| Total noninterest income | $933,000 | 3,367 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $233,000 | 3,991 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $700,000 | 2,890 |
| Total noninterest expense | $1,992,000 | 5,656 |
| Salaries and employee benefits | $1,138,000 | 5,495 |
| Premises and equipment expense | $161,000 | 6,026 |
| Additional noninterest expense | $693,000 | 5,561 |
| Pre-tax net operating income | $255,000 | 5,544 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $123,000 | 3,366 |
| Income before extraordinary items | $132,000 | 5,973 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $132,000 | 5,969 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $132,000 | 5,972 |
| Net charge-offs | $274,000 | 3,418 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 827 |
| Net operating income | $132,000 | 5,814 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 6,231 |
| Total interest expense | $279,000 | 5,798 |
| Net interest income | $1,233,000 | 6,259 |
| Provision for loan and lease losses | $261,000 | 3,164 |
| Total noninterest income | $703,000 | 3,407 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $178,000 | 4,016 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $525,000 | 2,872 |
| Total noninterest expense | $1,464,000 | 5,732 |
| Salaries and employee benefits | $816,000 | 5,602 |
| Premises and equipment expense | $125,000 | 6,054 |
| Additional noninterest expense | $523,000 | 5,599 |
| Pre-tax net operating income | $211,000 | 5,640 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $78,000 | 3,528 |
| Income before extraordinary items | $133,000 | 5,992 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $133,000 | 5,991 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $133,000 | 5,991 |
| Net charge-offs | $249,000 | 3,057 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 794 |
| Net operating income | $133,000 | 5,852 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $994,000 | 6,306 |
| Total interest expense | $190,000 | 5,863 |
| Net interest income | $804,000 | 6,332 |
| Provision for loan and lease losses | $20,000 | 5,104 |
| Total noninterest income | $435,000 | 3,499 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $117,000 | 4,012 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $318,000 | 2,986 |
| Total noninterest expense | $974,000 | 5,789 |
| Salaries and employee benefits | $531,000 | 5,679 |
| Premises and equipment expense | $86,000 | 6,039 |
| Additional noninterest expense | $357,000 | 5,591 |
| Pre-tax net operating income | $245,000 | 5,080 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $98,000 | 3,068 |
| Income before extraordinary items | $147,000 | 5,650 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $147,000 | 5,649 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $147,000 | 5,649 |
| Net charge-offs | $21,000 | 4,608 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 775 |
| Net operating income | $147,000 | 5,469 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $494,000 | 6,368 |
| Total interest expense | $96,000 | 5,945 |
| Net interest income | $398,000 | 6,397 |
| Provision for loan and lease losses | $19,000 | 4,532 |
| Total noninterest income | $199,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $57,000 | 4,043 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $142,000 | 3,146 |
| Total noninterest expense | $484,000 | 5,834 |
| Salaries and employee benefits | $266,000 | 5,718 |
| Premises and equipment expense | $43,000 | 6,083 |
| Additional noninterest expense | $175,000 | 5,645 |
| Pre-tax net operating income | $94,000 | 5,477 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $9,000 | 4,034 |
| Income before extraordinary items | $85,000 | 5,556 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $85,000 | 5,556 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $85,000 | 5,556 |
| Net charge-offs | $3,000 | 4,432 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 688 |
| Net operating income | $85,000 | 5,395 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,132,000 | 6,349 |
| Total interest expense | $443,000 | 6,058 |
| Net interest income | $1,689,000 | 6,358 |
| Provision for loan and lease losses | $137,000 | 5,036 |
| Total noninterest income | $725,000 | 3,717 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $259,000 | 3,887 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $466,000 | 3,206 |
| Total noninterest expense | $1,906,000 | 5,906 |
| Salaries and employee benefits | $1,054,000 | 5,778 |
| Premises and equipment expense | $152,000 | 6,403 |
| Additional noninterest expense | $700,000 | 5,691 |
| Pre-tax net operating income | $371,000 | 5,048 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $75,000 | 3,546 |
| Income before extraordinary items | $296,000 | 5,260 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $296,000 | 5,262 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $296,000 | 5,262 |
| Net charge-offs | $102,000 | 4,954 |
| Cash dividends | $250,000 | 3,152 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 936 |
| Net operating income | $296,000 | 5,148 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,615,000 | 6,396 |
| Total interest expense | $340,000 | 6,130 |
| Net interest income | $1,275,000 | 6,403 |
| Provision for loan and lease losses | $90,000 | 5,036 |
| Total noninterest income | $510,000 | 3,843 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $194,000 | 3,909 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $316,000 | 3,392 |
| Total noninterest expense | $1,407,000 | 5,970 |
| Salaries and employee benefits | $797,000 | 5,777 |
| Premises and equipment expense | $115,000 | 6,432 |
| Additional noninterest expense | $495,000 | 5,847 |
| Pre-tax net operating income | $288,000 | 5,163 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-59,000 | 6,947 |
| Income before extraordinary items | $347,000 | 4,858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $347,000 | 4,859 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $347,000 | 4,859 |
| Net charge-offs | $1,000 | 6,123 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 887 |
| Net operating income | $347,000 | 4,737 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,083,000 | 6,449 |
| Total interest expense | $235,000 | 6,183 |
| Net interest income | $848,000 | 6,442 |
| Provision for loan and lease losses | $54,000 | 5,070 |
| Total noninterest income | $319,000 | 3,992 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $124,000 | 3,973 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $195,000 | 3,524 |
| Total noninterest expense | $947,000 | 6,010 |
| Salaries and employee benefits | $526,000 | 5,846 |
| Premises and equipment expense | $76,000 | 6,490 |
| Additional noninterest expense | $345,000 | 5,846 |
| Pre-tax net operating income | $166,000 | 5,317 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-59,000 | 7,056 |
| Income before extraordinary items | $225,000 | 4,852 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $225,000 | 4,851 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $225,000 | 4,852 |
| Net charge-offs | $-1,000 | 6,559 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 844 |
| Net operating income | $225,000 | 4,763 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $533,000 | 6,516 |
| Total interest expense | $120,000 | 6,234 |
| Net interest income | $413,000 | 6,513 |
| Provision for loan and lease losses | $6,000 | 5,552 |
| Total noninterest income | $171,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $56,000 | 4,136 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $115,000 | 3,335 |
| Total noninterest expense | $474,000 | 6,049 |
| Salaries and employee benefits | $264,000 | 5,872 |
| Premises and equipment expense | $39,000 | 6,503 |
| Additional noninterest expense | $171,000 | 5,885 |
| Pre-tax net operating income | $104,000 | 5,089 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-31,000 | 7,133 |
| Income before extraordinary items | $135,000 | 4,611 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $135,000 | 4,611 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $135,000 | 4,612 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 815 |
| Net operating income | $135,000 | 4,552 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,275,000 | 6,524 |
| Total interest expense | $534,000 | 6,432 |
| Net interest income | $1,741,000 | 6,478 |
| Provision for loan and lease losses | $143,000 | 5,700 |
| Total noninterest income | $713,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $319,000 | 3,514 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $394,000 | 3,541 |
| Total noninterest expense | $1,883,000 | 6,125 |
| Salaries and employee benefits | $1,032,000 | 5,956 |
| Premises and equipment expense | $152,000 | 6,615 |
| Additional noninterest expense | $699,000 | 5,903 |
| Pre-tax net operating income | $428,000 | 4,547 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-129,000 | 6,878 |
| Income before extraordinary items | $557,000 | 4,161 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $557,000 | 4,162 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $557,000 | 4,163 |
| Net charge-offs | $46,000 | 5,956 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 1,093 |
| Net operating income | $557,000 | 4,020 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 6,642 |
| Total interest expense | $406,000 | 6,551 |
| Net interest income | $1,297,000 | 6,583 |
| Provision for loan and lease losses | $98,000 | 5,710 |
| Total noninterest income | $488,000 | 4,123 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $248,000 | 3,510 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $240,000 | 3,894 |
| Total noninterest expense | $1,425,000 | 6,155 |
| Salaries and employee benefits | $746,000 | 6,086 |
| Premises and equipment expense | $115,000 | 6,682 |
| Additional noninterest expense | $564,000 | 5,777 |
| Pre-tax net operating income | $262,000 | 5,003 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-79,000 | 7,041 |
| Income before extraordinary items | $341,000 | 4,696 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $341,000 | 4,699 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $341,000 | 4,699 |
| Net charge-offs | $46,000 | 5,552 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,029 |
| Net operating income | $341,000 | 4,508 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 6,693 |
| Total interest expense | $276,000 | 6,618 |
| Net interest income | $852,000 | 6,646 |
| Provision for loan and lease losses | $55,000 | 5,779 |
| Total noninterest income | $307,000 | 4,213 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $167,000 | 3,501 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $140,000 | 4,091 |
| Total noninterest expense | $949,000 | 6,190 |
| Salaries and employee benefits | $490,000 | 6,157 |
| Premises and equipment expense | $76,000 | 6,731 |
| Additional noninterest expense | $383,000 | 5,755 |
| Pre-tax net operating income | $155,000 | 5,185 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-47,000 | 7,068 |
| Income before extraordinary items | $202,000 | 4,888 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $202,000 | 4,890 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $202,000 | 4,888 |
| Net charge-offs | $5,000 | 6,051 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 955 |
| Net operating income | $202,000 | 4,736 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $547,000 | 6,837 |
| Total interest expense | $144,000 | 6,677 |
| Net interest income | $403,000 | 6,806 |
| Provision for loan and lease losses | $16,000 | 5,847 |
| Total noninterest income | $156,000 | 4,182 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $76,000 | 3,674 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $80,000 | 3,909 |
| Total noninterest expense | $478,000 | 6,262 |
| Salaries and employee benefits | $246,000 | 6,227 |
| Premises and equipment expense | $39,000 | 6,780 |
| Additional noninterest expense | $193,000 | 5,774 |
| Pre-tax net operating income | $65,000 | 5,479 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-19,000 | 7,184 |
| Income before extraordinary items | $84,000 | 5,195 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $84,000 | 5,196 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $84,000 | 5,195 |
| Net charge-offs | $15,000 | 4,608 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 904 |
| Net operating income | $84,000 | 5,075 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,271,000 | 6,863 |
| Total interest expense | $654,000 | 6,783 |
| Net interest income | $1,617,000 | 6,752 |
| Provision for loan and lease losses | $309,000 | 5,220 |
| Total noninterest income | $830,000 | 3,700 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $359,000 | 3,537 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $471,000 | 3,310 |
| Total noninterest expense | $2,056,000 | 6,163 |
| Salaries and employee benefits | $1,070,000 | 6,086 |
| Premises and equipment expense | $147,000 | 6,966 |
| Additional noninterest expense | $839,000 | 5,700 |
| Pre-tax net operating income | $82,000 | 5,142 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $82,000 | 5,228 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $82,000 | 5,227 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $82,000 | 5,227 |
| Net charge-offs | $302,000 | 4,474 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 1,209 |
| Net operating income | $82,000 | 5,166 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,713,000 | 6,936 |
| Total interest expense | $510,000 | 6,849 |
| Net interest income | $1,203,000 | 6,812 |
| Provision for loan and lease losses | $261,000 | 4,811 |
| Total noninterest income | $625,000 | 3,763 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $264,000 | 3,590 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $361,000 | 3,352 |
| Total noninterest expense | $1,566,000 | 6,157 |
| Salaries and employee benefits | $808,000 | 6,107 |
| Premises and equipment expense | $109,000 | 7,024 |
| Additional noninterest expense | $649,000 | 5,624 |
| Pre-tax net operating income | $1,000 | 5,655 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,000 | 5,765 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,000 | 5,765 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,000 | 5,765 |
| Net charge-offs | $273,000 | 3,855 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 1,132 |
| Net operating income | $1,000 | 5,704 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,150,000 | 6,988 |
| Total interest expense | $360,000 | 6,883 |
| Net interest income | $790,000 | 6,867 |
| Provision for loan and lease losses | $236,000 | 4,116 |
| Total noninterest income | $404,000 | 3,826 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $171,000 | 3,620 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $233,000 | 3,414 |
| Total noninterest expense | $1,092,000 | 6,078 |
| Salaries and employee benefits | $546,000 | 6,147 |
| Premises and equipment expense | $73,000 | 7,077 |
| Additional noninterest expense | $473,000 | 5,393 |
| Pre-tax net operating income | $-134,000 | 6,158 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-134,000 | 6,253 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-134,000 | 6,252 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-134,000 | 6,252 |
| Net charge-offs | $249,000 | 3,162 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,093 |
| Net operating income | $-134,000 | 6,223 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $578,000 | 7,026 |
| Total interest expense | $193,000 | 6,866 |
| Net interest income | $385,000 | 6,941 |
| Provision for loan and lease losses | $22,000 | 5,819 |
| Total noninterest income | $144,000 | 4,485 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $90,000 | 3,462 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $54,000 | 4,691 |
| Total noninterest expense | $501,000 | 6,269 |
| Salaries and employee benefits | $274,000 | 6,189 |
| Premises and equipment expense | $37,000 | 7,099 |
| Additional noninterest expense | $190,000 | 5,731 |
| Pre-tax net operating income | $6,000 | 6,164 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $6,000 | 6,330 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $6,000 | 6,332 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $6,000 | 6,332 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 980 |
| Net operating income | $6,000 | 6,186 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,469,000 | 7,008 |
| Total interest expense | $976,000 | 6,814 |
| Net interest income | $1,493,000 | 7,018 |
| Provision for loan and lease losses | $56,000 | 6,508 |
| Total noninterest income | $623,000 | 4,382 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $439,000 | 3,273 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $184,000 | 4,977 |
| Total noninterest expense | $2,017,000 | 6,215 |
| Salaries and employee benefits | $1,032,000 | 6,339 |
| Premises and equipment expense | $157,000 | 7,078 |
| Additional noninterest expense | $828,000 | 5,392 |
| Pre-tax net operating income | $43,000 | 6,181 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-72,000 | 7,011 |
| Income before extraordinary items | $115,000 | 5,808 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $115,000 | 5,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,543 |
| Cash dividends | $335,000 | 3,945 |
| Sale, conversion, retirement of capital stock, net | $-64,000 | 8,222 |
| Net operating income | $115,000 | 5,961 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,869,000 | 7,070 |
| Total interest expense | $753,000 | 6,882 |
| Net interest income | $1,116,000 | 7,070 |
| Provision for loan and lease losses | $36,000 | 6,153 |
| Total noninterest income | $459,000 | 4,524 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $325,000 | 3,330 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $134,000 | 5,139 |
| Total noninterest expense | $1,494,000 | 6,235 |
| Salaries and employee benefits | $770,000 | 6,376 |
| Premises and equipment expense | $118,000 | 7,132 |
| Additional noninterest expense | $606,000 | 5,395 |
| Pre-tax net operating income | $45,000 | 6,602 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-72,000 | 7,493 |
| Income before extraordinary items | $117,000 | 6,090 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $117,000 | 6,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,348 |
| Cash dividends | $335,000 | 3,259 |
| Sale, conversion, retirement of capital stock, net | $-71,000 | 8,316 |
| Net operating income | $117,000 | 6,250 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,257,000 | 7,120 |
| Total interest expense | $522,000 | 6,947 |
| Net interest income | $735,000 | 7,119 |
| Provision for loan and lease losses | $14,000 | 6,187 |
| Total noninterest income | $296,000 | 4,659 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $206,000 | 3,421 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $90,000 | 5,223 |
| Total noninterest expense | $1,004,000 | 6,255 |
| Salaries and employee benefits | $509,000 | 6,450 |
| Premises and equipment expense | $79,000 | 7,152 |
| Additional noninterest expense | $416,000 | 5,306 |
| Pre-tax net operating income | $13,000 | 6,865 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-72,000 | 7,803 |
| Income before extraordinary items | $85,000 | 6,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $85,000 | 6,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,683 |
| Cash dividends | $335,000 | 2,808 |
| Sale, conversion, retirement of capital stock, net | $-82,000 | 8,402 |
| Net operating income | $85,000 | 6,393 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $644,000 | 7,161 |
| Total interest expense | $271,000 | 7,019 |
| Net interest income | $373,000 | 7,139 |
| Provision for loan and lease losses | $-2,000 | 8,344 |
| Total noninterest income | $146,000 | 4,671 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $93,000 | 3,591 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $53,000 | 4,930 |
| Total noninterest expense | $492,000 | 6,334 |
| Salaries and employee benefits | $257,000 | 6,456 |
| Premises and equipment expense | $40,000 | 7,158 |
| Additional noninterest expense | $195,000 | 5,454 |
| Pre-tax net operating income | $29,000 | 6,866 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-36,000 | 7,977 |
| Income before extraordinary items | $65,000 | 6,343 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $65,000 | 6,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $-33,000 | 8,436 |
| Net operating income | $65,000 | 6,249 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,741,000 | 7,029 |
| Total interest expense | $1,162,000 | 6,924 |
| Net interest income | $1,579,000 | 7,030 |
| Provision for loan and lease losses | $-22,000 | 8,259 |
| Total noninterest income | $586,000 | 4,690 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $390,000 | 3,571 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $196,000 | 5,103 |
| Total noninterest expense | $1,815,000 | 6,459 |
| Salaries and employee benefits | $932,000 | 6,603 |
| Premises and equipment expense | $166,000 | 7,090 |
| Additional noninterest expense | $717,000 | 5,667 |
| Pre-tax net operating income | $372,000 | 6,350 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-146,000 | 8,076 |
| Income before extraordinary items | $518,000 | 5,616 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $518,000 | 5,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,708 |
| Cash dividends | $138,000 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,152 |
| Net operating income | $518,000 | 5,604 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 7,068 |
| Total interest expense | $862,000 | 6,968 |
| Net interest income | $1,194,000 | 7,056 |
| Provision for loan and lease losses | $9,000 | 6,211 |
| Total noninterest income | $422,000 | 4,792 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $282,000 | 3,643 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $140,000 | 5,221 |
| Total noninterest expense | $1,354,000 | 6,455 |
| Salaries and employee benefits | $701,000 | 6,595 |
| Premises and equipment expense | $124,000 | 7,066 |
| Additional noninterest expense | $529,000 | 5,658 |
| Pre-tax net operating income | $253,000 | 6,758 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $253,000 | 6,557 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $253,000 | 6,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,453 |
| Cash dividends | $138,000 | 4,458 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,030 |
| Net operating income | $253,000 | 6,539 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 7,105 |
| Total interest expense | $549,000 | 7,072 |
| Net interest income | $814,000 | 7,046 |
| Provision for loan and lease losses | $2,000 | 6,135 |
| Total noninterest income | $244,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $152,000 | 4,063 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $92,000 | 5,270 |
| Total noninterest expense | $907,000 | 6,501 |
| Salaries and employee benefits | $479,000 | 6,593 |
| Premises and equipment expense | $82,000 | 7,105 |
| Additional noninterest expense | $346,000 | 5,717 |
| Pre-tax net operating income | $149,000 | 6,969 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $149,000 | 6,762 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $149,000 | 6,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 1,881 |
| Cash dividends | $138,000 | 4,046 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 945 |
| Net operating income | $149,000 | 6,747 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $651,000 | 7,238 |
| Total interest expense | $256,000 | 7,209 |
| Net interest income | $395,000 | 7,132 |
| Provision for loan and lease losses | $11,000 | 4,971 |
| Total noninterest income | $128,000 | 4,976 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $67,000 | 4,285 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $61,000 | 4,714 |
| Total noninterest expense | $448,000 | 6,561 |
| Salaries and employee benefits | $241,000 | 6,618 |
| Premises and equipment expense | $39,000 | 7,229 |
| Additional noninterest expense | $168,000 | 5,794 |
| Pre-tax net operating income | $64,000 | 7,123 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $64,000 | 6,948 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $64,000 | 6,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 962 |
| Cash dividends | $138,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 806 |
| Net operating income | $64,000 | 6,931 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,627,000 | 7,050 |
| Total interest expense | $922,000 | 7,087 |
| Net interest income | $1,705,000 | 6,924 |
| Provision for loan and lease losses | $23,000 | 6,241 |
| Total noninterest income | $456,000 | 5,338 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $251,000 | 4,487 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $205,000 | 5,086 |
| Total noninterest expense | $1,984,000 | 6,186 |
| Salaries and employee benefits | $914,000 | 6,621 |
| Premises and equipment expense | $180,000 | 6,924 |
| Additional noninterest expense | $890,000 | 4,896 |
| Pre-tax net operating income | $154,000 | 7,545 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $154,000 | 7,469 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $154,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,643 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,084 |
| Net operating income | $154,000 | 7,463 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,943,000 | 7,115 |
| Total interest expense | $668,000 | 7,142 |
| Net interest income | $1,275,000 | 7,011 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $337,000 | 5,385 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $161,000 | 4,884 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $176,000 | 4,806 |
| Total noninterest expense | $1,521,000 | 6,113 |
| Salaries and employee benefits | $677,000 | 6,653 |
| Premises and equipment expense | $145,000 | 6,821 |
| Additional noninterest expense | $699,000 | 4,707 |
| Pre-tax net operating income | $31,000 | 8,017 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $31,000 | 8,032 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $31,000 | 8,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,970 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 918 |
| Net operating income | $31,000 | 8,020 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 7,118 |
| Total interest expense | $415,000 | 7,217 |
| Net interest income | $887,000 | 6,952 |
| Provision for loan and lease losses | $1,000 | 6,387 |
| Total noninterest income | $234,000 | 5,285 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $106,000 | 4,898 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $1,013,000 | 6,130 |
| Salaries and employee benefits | $454,000 | 6,667 |
| Premises and equipment expense | $92,000 | 6,935 |
| Additional noninterest expense | $467,000 | 4,688 |
| Pre-tax net operating income | $107,000 | 7,650 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $107,000 | 7,483 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $107,000 | 7,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,558 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 787 |
| Net operating income | $107,000 | 7,489 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $606,000 | 7,243 |
| Total interest expense | $198,000 | 7,242 |
| Net interest income | $408,000 | 7,168 |
| Provision for loan and lease losses | $1,000 | 5,956 |
| Total noninterest income | $111,000 | 5,380 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $47,000 | 5,070 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $486,000 | 6,258 |
| Salaries and employee benefits | $231,000 | 6,638 |
| Premises and equipment expense | $48,000 | 6,838 |
| Additional noninterest expense | $207,000 | 5,076 |
| Pre-tax net operating income | $32,000 | 7,902 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $32,000 | 7,808 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 587 |
| Net operating income | $32,000 | 7,804 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 7,086 |
| Total interest expense | $684,000 | 7,082 |
| Net interest income | $1,723,000 | 6,999 |
| Provision for loan and lease losses | $28,000 | 6,283 |
| Total noninterest income | $574,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $203,000 | 5,005 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $371,000 | 3,904 |
| Total noninterest expense | $2,007,000 | 6,109 |
| Salaries and employee benefits | $959,000 | 6,486 |
| Premises and equipment expense | $209,000 | 6,643 |
| Additional noninterest expense | $839,000 | 5,000 |
| Pre-tax net operating income | $262,000 | 7,519 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $262,000 | 7,336 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $262,000 | 7,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,600 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 534 |
| Net operating income | $262,000 | 7,316 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 7,106 |
| Total interest expense | $496,000 | 7,092 |
| Net interest income | $1,309,000 | 7,004 |
| Provision for loan and lease losses | $160,000 | 3,373 |
| Total noninterest income | $470,000 | 4,715 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $146,000 | 5,131 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $324,000 | 3,664 |
| Total noninterest expense | $1,601,000 | 5,850 |
| Salaries and employee benefits | $752,000 | 6,343 |
| Premises and equipment expense | $156,000 | 6,615 |
| Additional noninterest expense | $693,000 | 4,654 |
| Pre-tax net operating income | $18,000 | 8,277 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $18,000 | 8,299 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $18,000 | 8,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 1,658 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $493,000 | 408 |
| Net operating income | $18,000 | 8,267 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,176,000 | 7,126 |
| Total interest expense | $316,000 | 7,084 |
| Net interest income | $860,000 | 7,034 |
| Provision for loan and lease losses | $-31,000 | 8,675 |
| Total noninterest income | $366,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $86,000 | 5,345 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $280,000 | 3,191 |
| Total noninterest expense | $1,047,000 | 5,906 |
| Salaries and employee benefits | $486,000 | 6,424 |
| Premises and equipment expense | $105,000 | 6,596 |
| Additional noninterest expense | $456,000 | 4,683 |
| Pre-tax net operating income | $210,000 | 7,154 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $210,000 | 6,857 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $210,000 | 6,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,382 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $337,000 | 326 |
| Net operating income | $210,000 | 6,810 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $601,000 | 7,098 |
| Total interest expense | $153,000 | 7,122 |
| Net interest income | $448,000 | 6,992 |
| Provision for loan and lease losses | $-37,000 | 8,782 |
| Total noninterest income | $279,000 | 3,217 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $39,000 | 5,509 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $240,000 | 2,217 |
| Total noninterest expense | $573,000 | 5,652 |
| Salaries and employee benefits | $263,000 | 6,212 |
| Premises and equipment expense | $53,000 | 6,627 |
| Additional noninterest expense | $257,000 | 4,274 |
| Pre-tax net operating income | $191,000 | 6,058 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $191,000 | 5,527 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $191,000 | 5,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 902 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 220 |
| Net operating income | $191,000 | 5,495 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,282,000 | 7,099 |
| Total interest expense | $616,000 | 6,889 |
| Net interest income | $1,666,000 | 7,089 |
| Provision for loan and lease losses | $1,160,000 | 925 |
| Total noninterest income | $515,000 | 5,186 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $246,000 | 4,777 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $269,000 | 4,486 |
| Total noninterest expense | $2,356,000 | 5,499 |
| Salaries and employee benefits | $1,077,000 | 6,050 |
| Premises and equipment expense | $224,000 | 6,473 |
| Additional noninterest expense | $1,055,000 | 4,155 |
| Pre-tax net operating income | $-1,335,000 | 8,850 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-1,335,000 | 8,874 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,335,000 | 8,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $779,000 | 925 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $599,000 | 454 |
| Net operating income | $-1,335,000 | 8,851 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 7,193 |
| Total interest expense | $459,000 | 6,913 |
| Net interest income | $1,194,000 | 7,201 |
| Provision for loan and lease losses | $1,459,000 | 541 |
| Total noninterest income | $393,000 | 5,175 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $189,000 | 4,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $204,000 | 4,458 |
| Total noninterest expense | $1,738,000 | 5,515 |
| Salaries and employee benefits | $798,000 | 6,028 |
| Premises and equipment expense | $162,000 | 6,555 |
| Additional noninterest expense | $778,000 | 4,168 |
| Pre-tax net operating income | $-1,610,000 | 8,957 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-1,610,000 | 8,967 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-1,610,000 | 8,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 714 |
| Net operating income | $-1,610,000 | 8,956 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 7,277 |
| Total interest expense | $302,000 | 6,966 |
| Net interest income | $783,000 | 7,265 |
| Provision for loan and lease losses | $1,104,000 | 485 |
| Total noninterest income | $266,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $124,000 | 4,796 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $142,000 | 4,412 |
| Total noninterest expense | $1,060,000 | 5,816 |
| Salaries and employee benefits | $515,000 | 6,181 |
| Premises and equipment expense | $104,000 | 6,700 |
| Additional noninterest expense | $441,000 | 4,748 |
| Pre-tax net operating income | $-1,115,000 | 9,003 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-1,115,000 | 9,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,115,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $-4,000 | 9,016 |
| Net operating income | $-1,115,000 | 9,005 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $562,000 | 7,239 |
| Total interest expense | $154,000 | 6,981 |
| Net interest income | $408,000 | 7,214 |
| Provision for loan and lease losses | $41,000 | 3,702 |
| Total noninterest income | $175,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $58,000 | 4,878 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $117,000 | 3,389 |
| Total noninterest expense | $516,000 | 5,945 |
| Salaries and employee benefits | $265,000 | 6,137 |
| Premises and equipment expense | $53,000 | 6,646 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $26,000 | 8,239 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $26,000 | 8,220 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $26,000 | 8,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 425 |
| Net operating income | $26,000 | 8,151 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 7,356 |
| Total interest expense | $657,000 | 7,198 |
| Net interest income | $1,555,000 | 7,285 |
| Provision for loan and lease losses | $95,000 | 5,413 |
| Total noninterest income | $1,035,000 | 3,654 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $232,000 | 4,921 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $803,000 | 2,732 |
| Total noninterest expense | $2,055,000 | 5,901 |
| Salaries and employee benefits | $962,000 | 6,395 |
| Premises and equipment expense | $197,000 | 6,815 |
| Additional noninterest expense | $896,000 | 4,644 |
| Pre-tax net operating income | $440,000 | 6,883 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $440,000 | 6,616 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $440,000 | 6,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,954 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-9,000 | 9,062 |
| Net operating income | $440,000 | 6,450 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,677,000 | 7,411 |
| Total interest expense | $502,000 | 7,308 |
| Net interest income | $1,175,000 | 7,318 |
| Provision for loan and lease losses | $63,000 | 5,456 |
| Total noninterest income | $883,000 | 3,425 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $173,000 | 4,973 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $710,000 | 2,531 |
| Total noninterest expense | $1,536,000 | 5,903 |
| Salaries and employee benefits | $733,000 | 6,327 |
| Premises and equipment expense | $137,000 | 7,013 |
| Additional noninterest expense | $666,000 | 4,648 |
| Pre-tax net operating income | $459,000 | 6,458 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $459,000 | 6,046 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $459,000 | 6,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,467 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 654 |
| Net operating income | $459,000 | 5,877 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 7,686 |
| Total interest expense | $345,000 | 7,364 |
| Net interest income | $655,000 | 7,720 |
| Provision for loan and lease losses | $34,000 | 5,657 |
| Total noninterest income | $518,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $105,000 | 5,161 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $413,000 | 2,752 |
| Total noninterest expense | $943,000 | 6,172 |
| Salaries and employee benefits | $432,000 | 6,727 |
| Premises and equipment expense | $86,000 | 7,125 |
| Additional noninterest expense | $425,000 | 4,796 |
| Pre-tax net operating income | $196,000 | 7,245 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $196,000 | 7,005 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $196,000 | 7,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 550 |
| Net operating income | $196,000 | 6,814 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $506,000 | 7,713 |
| Total interest expense | $174,000 | 7,437 |
| Net interest income | $332,000 | 7,717 |
| Provision for loan and lease losses | $10,000 | 6,044 |
| Total noninterest income | $165,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 5,348 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 3,632 |
| Total noninterest expense | $417,000 | 6,585 |
| Salaries and employee benefits | $191,000 | 7,087 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $187,000 | 5,211 |
| Pre-tax net operating income | $70,000 | 7,672 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| 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 | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 394 |
| Net operating income | $70,000 | 7,334 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,986,000 | 7,864 |
| Total interest expense | $769,000 | 7,612 |
| Net interest income | $1,217,000 | 7,901 |
| Provision for loan and lease losses | $35,000 | 7,087 |
| Total noninterest income | $470,000 | 5,385 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $124,000 | 6,185 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $346,000 | 3,972 |
| Total noninterest expense | $1,470,000 | 6,901 |
| Salaries and employee benefits | $652,000 | 7,494 |
| Premises and equipment expense | $141,000 | 7,569 |
| Additional noninterest expense | $677,000 | 5,516 |
| Pre-tax net operating income | $182,000 | 7,997 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $182,000 | 7,935 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $182,000 | 7,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 626 |
| Net operating income | $182,000 | 7,822 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,713,000 | 8,516 |
| Total interest expense | $953,000 | 8,116 |
| Net interest income | $760,000 | 8,742 |
| Provision for loan and lease losses | $54,000 | 6,579 |
| Total noninterest income | $395,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $89,000 | 6,795 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $306,000 | 4,077 |
| Total noninterest expense | $1,050,000 | 7,826 |
| Salaries and employee benefits | $506,000 | 8,148 |
| Premises and equipment expense | $126,000 | 7,904 |
| Additional noninterest expense | $418,000 | 7,007 |
| Pre-tax net operating income | $51,000 | 8,543 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $51,000 | 8,600 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $51,000 | 8,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,575 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 807 |
| Net operating income | $51,000 | 8,507 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 9,138 |
| Total interest expense | $767,000 | 8,714 |
| Net interest income | $543,000 | 9,385 |
| Provision for loan and lease losses | $181,000 | 3,933 |
| Total noninterest income | $170,000 | 7,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,215 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $831,000 | 8,475 |
| Salaries and employee benefits | $406,000 | 8,724 |
| Premises and equipment expense | $121,000 | 8,080 |
| Additional noninterest expense | $304,000 | 7,913 |
| Pre-tax net operating income | $-299,000 | 9,415 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-299,000 | 9,442 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-299,000 | 9,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $423,000 | 562 |
| Net operating income | $-299,000 | 9,442 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $462,000 | 9,998 |
| Total interest expense | $299,000 | 9,799 |
| Net interest income | $163,000 | 10,102 |
| Provision for loan and lease losses | $44,000 | 6,764 |
| Total noninterest income | $41,000 | 9,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 8,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,882 |
| Total noninterest expense | $779,000 | 8,787 |
| Salaries and employee benefits | $433,000 | 8,717 |
| Premises and equipment expense | $72,000 | 9,182 |
| Additional noninterest expense | $274,000 | 8,346 |
| Pre-tax net operating income | $-619,000 | 9,927 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-619,000 | 9,969 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-619,000 | 9,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $2,590,000 | 390 |
| Net operating income | $-619,000 | 9,953 |
* 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.