Home > Live Oak State Bank > Income and Expense
Live Oak State Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $4,118,000 | 4,553 |
| Total interest expense | $237,000 | 5,718 |
| Net interest income | $3,881,000 | 4,351 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $301,000 | 5,132 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $164,000 | 4,442 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $137,000 | 5,041 |
| Total noninterest expense | $4,462,000 | 3,662 |
| Salaries and employee benefits | $2,949,000 | 3,155 |
| Premises and equipment expense | $195,000 | 5,588 |
| Additional noninterest expense | $1,318,000 | 3,970 |
| Pre-tax net operating income | $-280,000 | 6,396 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-280,000 | 6,423 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-280,000 | 6,423 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-280,000 | 6,424 |
| Net charge-offs | $-24,000 | 6,306 |
| Cash dividends | $795,000 | 2,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-280,000 | 6,415 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,062,000 | 4,616 |
| Total interest expense | $178,000 | 5,819 |
| Net interest income | $2,884,000 | 4,402 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $207,000 | 5,322 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $107,000 | 4,703 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $100,000 | 5,184 |
| Total noninterest expense | $2,076,000 | 4,813 |
| Salaries and employee benefits | $1,377,000 | 4,281 |
| Premises and equipment expense | $152,000 | 5,573 |
| Additional noninterest expense | $547,000 | 5,269 |
| Pre-tax net operating income | $1,015,000 | 3,661 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $1,015,000 | 3,399 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,015,000 | 3,402 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,015,000 | 3,403 |
| Net charge-offs | $-25,000 | 6,318 |
| Cash dividends | $795,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,015,000 | 3,325 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,024,000 | 4,654 |
| Total interest expense | $118,000 | 5,879 |
| Net interest income | $1,906,000 | 4,429 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $150,000 | 5,247 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $83,000 | 4,443 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $67,000 | 5,218 |
| Total noninterest expense | $1,399,000 | 4,812 |
| Salaries and employee benefits | $929,000 | 4,282 |
| Premises and equipment expense | $103,000 | 5,557 |
| Additional noninterest expense | $367,000 | 5,271 |
| Pre-tax net operating income | $657,000 | 3,675 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $657,000 | 3,435 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $657,000 | 3,436 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $657,000 | 3,438 |
| Net charge-offs | $-25,000 | 6,377 |
| Cash dividends | $556,000 | 1,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $657,000 | 3,345 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,011,000 | 4,691 |
| Total interest expense | $59,000 | 5,958 |
| Net interest income | $952,000 | 4,456 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $88,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $40,000 | 4,477 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $48,000 | 4,755 |
| Total noninterest expense | $703,000 | 4,850 |
| Salaries and employee benefits | $470,000 | 4,302 |
| Premises and equipment expense | $50,000 | 5,653 |
| Additional noninterest expense | $183,000 | 5,319 |
| Pre-tax net operating income | $337,000 | 3,592 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $337,000 | 3,346 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $337,000 | 3,346 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $337,000 | 3,348 |
| Net charge-offs | $-7,000 | 6,052 |
| Cash dividends | $303,000 | 1,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $337,000 | 3,240 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,354,000 | 4,657 |
| Total interest expense | $310,000 | 5,926 |
| Net interest income | $4,044,000 | 4,378 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $157,000 | 5,934 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $164,000 | 4,619 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-7,000 | 6,594 |
| Total noninterest expense | $2,716,000 | 4,965 |
| Salaries and employee benefits | $1,783,000 | 4,423 |
| Premises and equipment expense | $184,000 | 5,838 |
| Additional noninterest expense | $749,000 | 5,403 |
| Pre-tax net operating income | $1,485,000 | 3,355 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,485,000 | 3,149 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,485,000 | 3,149 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,485,000 | 3,149 |
| Net charge-offs | $-61,000 | 6,888 |
| Cash dividends | $877,000 | 2,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,485,000 | 3,012 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 4,731 |
| Total interest expense | $242,000 | 6,014 |
| Net interest income | $3,031,000 | 4,456 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $102,000 | 6,152 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $126,000 | 4,637 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-24,000 | 6,778 |
| Total noninterest expense | $2,051,000 | 4,999 |
| Salaries and employee benefits | $1,321,000 | 4,471 |
| Premises and equipment expense | $148,000 | 5,806 |
| Additional noninterest expense | $582,000 | 5,386 |
| Pre-tax net operating income | $1,082,000 | 3,494 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $1,082,000 | 3,275 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,082,000 | 3,278 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,082,000 | 3,277 |
| Net charge-offs | $-55,000 | 6,942 |
| Cash dividends | $618,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,082,000 | 3,134 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 4,771 |
| Total interest expense | $163,000 | 6,086 |
| Net interest income | $2,021,000 | 4,455 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $74,000 | 6,095 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $88,000 | 4,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-14,000 | 6,852 |
| Total noninterest expense | $1,359,000 | 5,050 |
| Salaries and employee benefits | $877,000 | 4,501 |
| Premises and equipment expense | $96,000 | 5,867 |
| Additional noninterest expense | $386,000 | 5,416 |
| Pre-tax net operating income | $736,000 | 3,443 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $736,000 | 3,221 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $736,000 | 3,219 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $736,000 | 3,221 |
| Net charge-offs | $-49,000 | 6,980 |
| Cash dividends | $342,000 | 2,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $736,000 | 3,057 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,092,000 | 4,819 |
| Total interest expense | $83,000 | 6,160 |
| Net interest income | $1,009,000 | 4,495 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $37,000 | 6,160 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $46,000 | 4,450 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-9,000 | 6,975 |
| Total noninterest expense | $678,000 | 5,084 |
| Salaries and employee benefits | $437,000 | 4,542 |
| Premises and equipment expense | $47,000 | 5,945 |
| Additional noninterest expense | $194,000 | 5,426 |
| Pre-tax net operating income | $368,000 | 3,462 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $368,000 | 3,244 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $368,000 | 3,248 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $368,000 | 3,248 |
| Net charge-offs | $-5,000 | 6,379 |
| Cash dividends | $66,000 | 2,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $368,000 | 3,081 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,454,000 | 4,875 |
| Total interest expense | $406,000 | 6,183 |
| Net interest income | $4,048,000 | 4,504 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $200,000 | 5,735 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $227,000 | 4,156 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-27,000 | 6,774 |
| Total noninterest expense | $2,835,000 | 5,025 |
| Salaries and employee benefits | $1,713,000 | 4,591 |
| Premises and equipment expense | $211,000 | 5,909 |
| Additional noninterest expense | $911,000 | 5,126 |
| Pre-tax net operating income | $1,413,000 | 3,131 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $1,413,000 | 2,895 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,413,000 | 2,897 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,413,000 | 2,897 |
| Net charge-offs | $120,000 | 4,823 |
| Cash dividends | $474,000 | 2,496 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 600 |
| Net operating income | $1,413,000 | 2,797 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,374,000 | 4,894 |
| Total interest expense | $311,000 | 6,266 |
| Net interest income | $3,063,000 | 4,512 |
| Provision for loan and lease losses | $76,000 | 5,232 |
| Total noninterest income | $300,000 | 4,823 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $177,000 | 4,097 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $123,000 | 4,836 |
| Total noninterest expense | $2,201,000 | 4,947 |
| Salaries and employee benefits | $1,275,000 | 4,619 |
| Premises and equipment expense | $149,000 | 6,057 |
| Additional noninterest expense | $777,000 | 4,841 |
| Pre-tax net operating income | $1,086,000 | 3,162 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $1,086,000 | 2,898 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,086,000 | 2,901 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,086,000 | 2,901 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $316,000 | 2,274 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 508 |
| Net operating income | $1,086,000 | 2,801 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,286,000 | 4,903 |
| Total interest expense | $212,000 | 6,340 |
| Net interest income | $2,074,000 | 4,482 |
| Provision for loan and lease losses | $58,000 | 5,023 |
| Total noninterest income | $198,000 | 4,894 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $119,000 | 4,051 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $79,000 | 4,925 |
| Total noninterest expense | $1,495,000 | 4,956 |
| Salaries and employee benefits | $844,000 | 4,673 |
| Premises and equipment expense | $96,000 | 6,159 |
| Additional noninterest expense | $555,000 | 4,720 |
| Pre-tax net operating income | $719,000 | 3,145 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $719,000 | 2,867 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $719,000 | 2,869 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $719,000 | 2,869 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $180,000 | 2,371 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 366 |
| Net operating income | $719,000 | 2,789 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 4,947 |
| Total interest expense | $108,000 | 6,405 |
| Net interest income | $1,025,000 | 4,505 |
| Provision for loan and lease losses | $61,000 | 3,928 |
| Total noninterest income | $147,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $63,000 | 3,894 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $84,000 | 3,827 |
| Total noninterest expense | $739,000 | 5,014 |
| Salaries and employee benefits | $424,000 | 4,693 |
| Premises and equipment expense | $48,000 | 6,197 |
| Additional noninterest expense | $267,000 | 4,829 |
| Pre-tax net operating income | $372,000 | 3,113 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $372,000 | 2,817 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $372,000 | 2,816 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $372,000 | 2,817 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $35,000 | 2,347 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 235 |
| Net operating income | $372,000 | 2,761 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,283,000 | 5,236 |
| Total interest expense | $547,000 | 6,394 |
| Net interest income | $3,736,000 | 4,771 |
| Provision for loan and lease losses | $429,000 | 4,370 |
| Total noninterest income | $258,000 | 5,622 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $241,000 | 4,073 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $17,000 | 6,653 |
| Total noninterest expense | $2,949,000 | 5,060 |
| Salaries and employee benefits | $1,638,000 | 4,806 |
| Premises and equipment expense | $262,000 | 5,705 |
| Additional noninterest expense | $1,049,000 | 4,960 |
| Pre-tax net operating income | $616,000 | 4,112 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $616,000 | 4,032 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $616,000 | 4,031 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $616,000 | 4,032 |
| Net charge-offs | $659,000 | 3,260 |
| Cash dividends | $296,000 | 2,944 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 719 |
| Net operating income | $616,000 | 3,891 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,222,000 | 5,325 |
| Total interest expense | $425,000 | 6,486 |
| Net interest income | $2,797,000 | 4,840 |
| Provision for loan and lease losses | $381,000 | 3,973 |
| Total noninterest income | $292,000 | 5,090 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $177,000 | 4,183 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $115,000 | 5,025 |
| Total noninterest expense | $2,198,000 | 5,106 |
| Salaries and employee benefits | $1,235,000 | 4,822 |
| Premises and equipment expense | $170,000 | 6,033 |
| Additional noninterest expense | $793,000 | 4,944 |
| Pre-tax net operating income | $510,000 | 4,184 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $510,000 | 4,073 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $510,000 | 4,076 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $510,000 | 4,076 |
| Net charge-offs | $784,000 | 2,491 |
| Cash dividends | $286,000 | 2,397 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 575 |
| Net operating income | $510,000 | 3,925 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,216,000 | 5,274 |
| Total interest expense | $288,000 | 6,556 |
| Net interest income | $1,928,000 | 4,762 |
| Provision for loan and lease losses | $246,000 | 3,918 |
| Total noninterest income | $183,000 | 5,170 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $111,000 | 4,294 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $72,000 | 5,123 |
| Total noninterest expense | $1,414,000 | 5,225 |
| Salaries and employee benefits | $827,000 | 4,832 |
| Premises and equipment expense | $89,000 | 6,510 |
| Additional noninterest expense | $498,000 | 5,100 |
| Pre-tax net operating income | $451,000 | 3,801 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $451,000 | 3,587 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $451,000 | 3,584 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $451,000 | 3,586 |
| Net charge-offs | $365,000 | 2,824 |
| Cash dividends | $166,000 | 2,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $451,000 | 3,474 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,118,000 | 5,320 |
| Total interest expense | $147,000 | 6,645 |
| Net interest income | $971,000 | 4,765 |
| Provision for loan and lease losses | $155,000 | 3,289 |
| Total noninterest income | $105,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $57,000 | 4,229 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $48,000 | 4,761 |
| Total noninterest expense | $706,000 | 5,281 |
| Salaries and employee benefits | $411,000 | 4,917 |
| Premises and equipment expense | $43,000 | 6,642 |
| Additional noninterest expense | $252,000 | 5,096 |
| Pre-tax net operating income | $215,000 | 3,938 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $215,000 | 3,748 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $215,000 | 3,745 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $215,000 | 3,747 |
| Net charge-offs | $365,000 | 1,847 |
| Cash dividends | $117,000 | 1,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $215,000 | 3,622 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,716,000 | 5,303 |
| Total interest expense | $823,000 | 6,413 |
| Net interest income | $3,893,000 | 4,632 |
| Provision for loan and lease losses | $590,000 | 4,294 |
| Total noninterest income | $394,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $222,000 | 4,452 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $172,000 | 4,888 |
| Total noninterest expense | $2,965,000 | 5,223 |
| Salaries and employee benefits | $1,810,000 | 4,655 |
| Premises and equipment expense | $195,000 | 6,523 |
| Additional noninterest expense | $960,000 | 5,338 |
| Pre-tax net operating income | $732,000 | 3,493 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $732,000 | 3,292 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $732,000 | 3,291 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $732,000 | 3,291 |
| Net charge-offs | $235,000 | 4,797 |
| Cash dividends | $282,000 | 3,297 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 1,012 |
| Net operating income | $732,000 | 3,228 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,535,000 | 5,364 |
| Total interest expense | $644,000 | 6,472 |
| Net interest income | $2,891,000 | 4,689 |
| Provision for loan and lease losses | $465,000 | 3,916 |
| Total noninterest income | $316,000 | 5,104 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $165,000 | 4,492 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $151,000 | 4,750 |
| Total noninterest expense | $2,214,000 | 5,234 |
| Salaries and employee benefits | $1,352,000 | 4,701 |
| Premises and equipment expense | $157,000 | 6,462 |
| Additional noninterest expense | $705,000 | 5,392 |
| Pre-tax net operating income | $528,000 | 3,818 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $528,000 | 3,599 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $528,000 | 3,597 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $528,000 | 3,599 |
| Net charge-offs | $235,000 | 4,054 |
| Cash dividends | $182,000 | 3,163 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 904 |
| Net operating income | $528,000 | 3,511 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 5,411 |
| Total interest expense | $450,000 | 6,483 |
| Net interest income | $1,908,000 | 4,715 |
| Provision for loan and lease losses | $382,000 | 3,351 |
| Total noninterest income | $281,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $112,000 | 4,425 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $169,000 | 3,909 |
| Total noninterest expense | $1,531,000 | 5,186 |
| Salaries and employee benefits | $898,000 | 4,751 |
| Premises and equipment expense | $103,000 | 6,529 |
| Additional noninterest expense | $530,000 | 5,082 |
| Pre-tax net operating income | $276,000 | 4,253 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $276,000 | 4,095 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $276,000 | 4,095 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $276,000 | 4,095 |
| Net charge-offs | $182,000 | 3,545 |
| Cash dividends | $134,000 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 775 |
| Net operating income | $276,000 | 3,981 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 5,495 |
| Total interest expense | $243,000 | 6,447 |
| Net interest income | $926,000 | 4,797 |
| Provision for loan and lease losses | $200,000 | 2,838 |
| Total noninterest income | $71,000 | 5,797 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $53,000 | 4,479 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $18,000 | 6,276 |
| Total noninterest expense | $689,000 | 5,436 |
| Salaries and employee benefits | $450,000 | 4,789 |
| Premises and equipment expense | $51,000 | 6,589 |
| Additional noninterest expense | $188,000 | 5,758 |
| Pre-tax net operating income | $108,000 | 4,948 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $108,000 | 4,842 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $108,000 | 4,847 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $108,000 | 4,845 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $18,000 | 2,937 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 483 |
| Net operating income | $108,000 | 4,673 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,064,000 | 4,902 |
| Total interest expense | $2,056,000 | 5,225 |
| Net interest income | $4,008,000 | 4,568 |
| Provision for loan and lease losses | $599,000 | 3,521 |
| Total noninterest income | $212,000 | 6,407 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $194,000 | 4,852 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $18,000 | 7,488 |
| Total noninterest expense | $2,720,000 | 5,412 |
| Salaries and employee benefits | $1,755,000 | 4,875 |
| Premises and equipment expense | $215,000 | 6,546 |
| Additional noninterest expense | $750,000 | 5,644 |
| Pre-tax net operating income | $901,000 | 3,948 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $901,000 | 3,481 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $901,000 | 3,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 2,774 |
| Cash dividends | $690,000 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $901,000 | 3,625 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,737,000 | 4,869 |
| Total interest expense | $1,672,000 | 5,161 |
| Net interest income | $3,065,000 | 4,556 |
| Provision for loan and lease losses | $359,000 | 3,264 |
| Total noninterest income | $201,000 | 6,102 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $152,000 | 4,797 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $49,000 | 6,608 |
| Total noninterest expense | $2,059,000 | 5,376 |
| Salaries and employee benefits | $1,321,000 | 4,864 |
| Premises and equipment expense | $175,000 | 6,416 |
| Additional noninterest expense | $563,000 | 5,597 |
| Pre-tax net operating income | $848,000 | 3,991 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $848,000 | 3,447 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $848,000 | 3,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,840 |
| Cash dividends | $611,000 | 2,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $848,000 | 3,583 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,224,000 | 4,862 |
| Total interest expense | $1,213,000 | 5,081 |
| Net interest income | $2,011,000 | 4,608 |
| Provision for loan and lease losses | $80,000 | 4,586 |
| Total noninterest income | $123,000 | 6,326 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $92,000 | 4,990 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $31,000 | 6,744 |
| Total noninterest expense | $1,363,000 | 5,431 |
| Salaries and employee benefits | $890,000 | 4,869 |
| Premises and equipment expense | $112,000 | 6,544 |
| Additional noninterest expense | $361,000 | 5,702 |
| Pre-tax net operating income | $691,000 | 3,718 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $691,000 | 3,344 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $691,000 | 3,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $448,000 | 2,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $691,000 | 3,289 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,713,000 | 4,782 |
| Total interest expense | $688,000 | 4,925 |
| Net interest income | $1,025,000 | 4,542 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $62,000 | 6,315 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $47,000 | 4,917 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $15,000 | 6,825 |
| Total noninterest expense | $693,000 | 5,398 |
| Salaries and employee benefits | $451,000 | 4,874 |
| Premises and equipment expense | $56,000 | 6,561 |
| Additional noninterest expense | $186,000 | 5,573 |
| Pre-tax net operating income | $364,000 | 3,746 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $364,000 | 3,399 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $364,000 | 3,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $266,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $364,000 | 3,303 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,567,000 | 4,174 |
| Total interest expense | $3,405,000 | 4,414 |
| Net interest income | $5,162,000 | 3,894 |
| Provision for loan and lease losses | $177,000 | 4,109 |
| Total noninterest income | $255,000 | 6,353 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $153,000 | 5,385 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $102,000 | 6,187 |
| Total noninterest expense | $2,578,000 | 5,512 |
| Salaries and employee benefits | $1,690,000 | 4,949 |
| Premises and equipment expense | $222,000 | 6,519 |
| Additional noninterest expense | $666,000 | 5,869 |
| Pre-tax net operating income | $2,662,000 | 2,691 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $2,662,000 | 2,239 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,662,000 | 2,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,473 |
| Cash dividends | $1,295,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,152 |
| Net operating income | $2,662,000 | 2,230 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,494,000 | 4,162 |
| Total interest expense | $2,529,000 | 4,449 |
| Net interest income | $3,965,000 | 3,847 |
| Provision for loan and lease losses | $90,000 | 4,255 |
| Total noninterest income | $150,000 | 6,777 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $128,000 | 5,225 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $22,000 | 7,602 |
| Total noninterest expense | $1,896,000 | 5,542 |
| Salaries and employee benefits | $1,246,000 | 4,971 |
| Premises and equipment expense | $180,000 | 6,334 |
| Additional noninterest expense | $470,000 | 5,977 |
| Pre-tax net operating income | $2,129,000 | 2,718 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $2,129,000 | 2,266 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,129,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $939,000 | 2,098 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,002 |
| Net operating income | $2,129,000 | 2,247 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,256,000 | 4,235 |
| Total interest expense | $1,621,000 | 4,553 |
| Net interest income | $2,635,000 | 3,878 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $94,000 | 6,931 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $80,000 | 5,357 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $14,000 | 7,664 |
| Total noninterest expense | $1,252,000 | 5,590 |
| Salaries and employee benefits | $828,000 | 5,019 |
| Premises and equipment expense | $120,000 | 6,367 |
| Additional noninterest expense | $304,000 | 6,081 |
| Pre-tax net operating income | $1,417,000 | 2,786 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,417,000 | 2,306 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,417,000 | 2,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $590,000 | 2,238 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 863 |
| Net operating income | $1,417,000 | 2,288 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 4,272 |
| Total interest expense | $756,000 | 4,760 |
| Net interest income | $1,331,000 | 3,855 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $44,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $37,000 | 5,442 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $626,000 | 5,619 |
| Salaries and employee benefits | $413,000 | 5,057 |
| Premises and equipment expense | $61,000 | 6,362 |
| Additional noninterest expense | $152,000 | 6,088 |
| Pre-tax net operating income | $719,000 | 2,746 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $719,000 | 2,265 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $719,000 | 2,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $312,000 | 1,937 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 633 |
| Net operating income | $719,000 | 2,242 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,380,000 | 4,418 |
| Total interest expense | $2,277,000 | 5,063 |
| Net interest income | $5,103,000 | 3,948 |
| Provision for loan and lease losses | $110,000 | 4,597 |
| Total noninterest income | $203,000 | 6,902 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $180,000 | 5,183 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,889 |
| Total noninterest expense | $2,383,000 | 5,641 |
| Salaries and employee benefits | $1,597,000 | 4,995 |
| Premises and equipment expense | $240,000 | 6,311 |
| Additional noninterest expense | $546,000 | 6,322 |
| Pre-tax net operating income | $2,813,000 | 2,899 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $2,813,000 | 2,381 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,813,000 | 2,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $934,000 | 2,690 |
| Sale, conversion, retirement of capital stock, net | $161,000 | 803 |
| Net operating income | $2,813,000 | 2,363 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,276,000 | 4,549 |
| Total interest expense | $1,545,000 | 5,254 |
| Net interest income | $3,731,000 | 4,050 |
| Provision for loan and lease losses | $80,000 | 4,494 |
| Total noninterest income | $157,000 | 6,885 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $141,000 | 5,167 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,988 |
| Total noninterest expense | $1,766,000 | 5,662 |
| Salaries and employee benefits | $1,162,000 | 5,073 |
| Premises and equipment expense | $192,000 | 6,184 |
| Additional noninterest expense | $412,000 | 6,310 |
| Pre-tax net operating income | $2,042,000 | 3,059 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,042,000 | 2,519 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,042,000 | 2,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $652,000 | 2,537 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 890 |
| Net operating income | $2,042,000 | 2,509 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,329,000 | 4,656 |
| Total interest expense | $926,000 | 5,422 |
| Net interest income | $2,403,000 | 4,160 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $103,000 | 6,936 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $94,000 | 5,152 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,144 |
| Total noninterest expense | $1,175,000 | 5,678 |
| Salaries and employee benefits | $771,000 | 5,113 |
| Premises and equipment expense | $127,000 | 6,211 |
| Additional noninterest expense | $277,000 | 6,308 |
| Pre-tax net operating income | $1,271,000 | 3,231 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,271,000 | 2,660 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,271,000 | 2,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $406,000 | 2,664 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 723 |
| Net operating income | $1,271,000 | 2,647 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,601,000 | 4,709 |
| Total interest expense | $432,000 | 5,499 |
| Net interest income | $1,169,000 | 4,232 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $55,000 | 6,782 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,000 | 8,055 |
| Total noninterest expense | $589,000 | 5,682 |
| Salaries and employee benefits | $385,000 | 5,144 |
| Premises and equipment expense | $64,000 | 6,199 |
| Additional noninterest expense | $140,000 | 6,252 |
| Pre-tax net operating income | $605,000 | 3,291 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $605,000 | 2,721 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $605,000 | 2,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $181,000 | 2,529 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 474 |
| Net operating income | $605,000 | 2,706 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,537,000 | 4,825 |
| Total interest expense | $1,272,000 | 5,681 |
| Net interest income | $4,265,000 | 4,429 |
| Provision for loan and lease losses | $161,000 | 4,002 |
| Total noninterest income | $217,000 | 6,938 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $192,000 | 5,117 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $25,000 | 8,001 |
| Total noninterest expense | $2,130,000 | 5,890 |
| Salaries and employee benefits | $1,384,000 | 5,333 |
| Premises and equipment expense | $242,000 | 6,299 |
| Additional noninterest expense | $504,000 | 6,549 |
| Pre-tax net operating income | $2,191,000 | 3,466 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $2,191,000 | 2,860 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,191,000 | 2,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,519 |
| Cash dividends | $696,000 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 850 |
| Net operating income | $2,191,000 | 2,828 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,968,000 | 4,942 |
| Total interest expense | $846,000 | 5,865 |
| Net interest income | $3,122,000 | 4,508 |
| Provision for loan and lease losses | $131,000 | 3,743 |
| Total noninterest income | $166,000 | 6,929 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $147,000 | 5,120 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 8,009 |
| Total noninterest expense | $1,587,000 | 5,876 |
| Salaries and employee benefits | $995,000 | 5,437 |
| Premises and equipment expense | $193,000 | 6,124 |
| Additional noninterest expense | $399,000 | 6,362 |
| Pre-tax net operating income | $1,570,000 | 3,624 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,570,000 | 3,020 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,570,000 | 3,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 1,880 |
| Cash dividends | $478,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 677 |
| Net operating income | $1,570,000 | 2,986 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 5,040 |
| Total interest expense | $496,000 | 6,062 |
| Net interest income | $2,027,000 | 4,572 |
| Provision for loan and lease losses | $111,000 | 3,210 |
| Total noninterest income | $116,000 | 6,819 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $102,000 | 4,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,000 | 7,946 |
| Total noninterest expense | $1,065,000 | 5,852 |
| Salaries and employee benefits | $664,000 | 5,410 |
| Premises and equipment expense | $128,000 | 6,137 |
| Additional noninterest expense | $273,000 | 6,276 |
| Pre-tax net operating income | $967,000 | 3,797 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $967,000 | 3,169 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $967,000 | 3,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 1,352 |
| Cash dividends | $327,000 | 2,812 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 549 |
| Net operating income | $967,000 | 3,120 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,192,000 | 5,193 |
| Total interest expense | $218,000 | 6,325 |
| Net interest income | $974,000 | 4,703 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $62,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $548,000 | 5,794 |
| Salaries and employee benefits | $333,000 | 5,451 |
| Premises and equipment expense | $63,000 | 6,224 |
| Additional noninterest expense | $152,000 | 5,961 |
| Pre-tax net operating income | $488,000 | 3,742 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $488,000 | 3,102 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $488,000 | 3,103 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $139,000 | 2,659 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 370 |
| Net operating income | $488,000 | 3,063 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,903,000 | 5,625 |
| Total interest expense | $619,000 | 6,877 |
| Net interest income | $3,284,000 | 5,122 |
| Provision for loan and lease losses | $150,000 | 4,230 |
| Total noninterest income | $214,000 | 7,034 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $199,000 | 5,235 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,368 |
| Total noninterest expense | $1,914,000 | 6,144 |
| Salaries and employee benefits | $1,213,000 | 5,661 |
| Premises and equipment expense | $241,000 | 6,295 |
| Additional noninterest expense | $460,000 | 6,797 |
| Pre-tax net operating income | $1,434,000 | 4,358 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,434,000 | 3,743 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,434,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $612,000 | 3,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,434,000 | 3,686 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,800,000 | 5,768 |
| Total interest expense | $440,000 | 7,002 |
| Net interest income | $2,360,000 | 5,252 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $156,000 | 7,115 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $147,000 | 5,309 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 8,509 |
| Total noninterest expense | $1,420,000 | 6,146 |
| Salaries and employee benefits | $866,000 | 5,769 |
| Premises and equipment expense | $192,000 | 6,119 |
| Additional noninterest expense | $362,000 | 6,613 |
| Pre-tax net operating income | $1,006,000 | 4,593 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,006,000 | 3,979 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,006,000 | 3,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,006,000 | 3,914 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 5,890 |
| Total interest expense | $285,000 | 7,094 |
| Net interest income | $1,513,000 | 5,374 |
| Provision for loan and lease losses | $75,000 | 3,988 |
| Total noninterest income | $101,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $95,000 | 5,380 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $942,000 | 6,214 |
| Salaries and employee benefits | $574,000 | 5,826 |
| Premises and equipment expense | $125,000 | 6,210 |
| Additional noninterest expense | $243,000 | 6,622 |
| Pre-tax net operating income | $597,000 | 4,846 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $597,000 | 4,267 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $597,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $597,000 | 4,182 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $870,000 | 6,023 |
| Total interest expense | $142,000 | 7,164 |
| Net interest income | $728,000 | 5,493 |
| Provision for loan and lease losses | $55,000 | 3,182 |
| Total noninterest income | $51,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $47,000 | 5,338 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $470,000 | 6,255 |
| Salaries and employee benefits | $287,000 | 5,859 |
| Premises and equipment expense | $61,000 | 6,270 |
| Additional noninterest expense | $122,000 | 6,621 |
| Pre-tax net operating income | $254,000 | 5,245 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $254,000 | 4,707 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $254,000 | 4,706 |
| 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 | $0 | 464 |
| Net operating income | $254,000 | 4,582 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,026,000 | 6,484 |
| Total interest expense | $553,000 | 7,563 |
| Net interest income | $2,473,000 | 5,933 |
| Provision for loan and lease losses | $166,000 | 4,396 |
| Total noninterest income | $206,000 | 7,303 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $189,000 | 5,395 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $17,000 | 8,524 |
| Total noninterest expense | $1,717,000 | 6,496 |
| Salaries and employee benefits | $1,078,000 | 6,004 |
| Premises and equipment expense | $238,000 | 6,324 |
| Additional noninterest expense | $401,000 | 7,153 |
| Pre-tax net operating income | $796,000 | 5,718 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $796,000 | 5,254 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $796,000 | 5,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,866 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $796,000 | 5,091 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,201,000 | 6,678 |
| Total interest expense | $415,000 | 7,705 |
| Net interest income | $1,786,000 | 6,078 |
| Provision for loan and lease losses | $156,000 | 3,829 |
| Total noninterest income | $160,000 | 7,274 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $149,000 | 5,319 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,647 |
| Total noninterest expense | $1,275,000 | 6,509 |
| Salaries and employee benefits | $785,000 | 6,075 |
| Premises and equipment expense | $179,000 | 6,311 |
| Additional noninterest expense | $311,000 | 7,039 |
| Pre-tax net operating income | $515,000 | 6,216 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $515,000 | 5,781 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $515,000 | 5,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,102 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $515,000 | 5,608 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,398,000 | 6,884 |
| Total interest expense | $283,000 | 7,773 |
| Net interest income | $1,115,000 | 6,321 |
| Provision for loan and lease losses | $156,000 | 2,937 |
| Total noninterest income | $115,000 | 7,152 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $107,000 | 5,112 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $8,000 | 8,587 |
| Total noninterest expense | $836,000 | 6,575 |
| Salaries and employee benefits | $517,000 | 6,141 |
| Premises and equipment expense | $116,000 | 6,372 |
| Additional noninterest expense | $203,000 | 7,104 |
| Pre-tax net operating income | $238,000 | 6,920 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $238,000 | 6,627 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $238,000 | 6,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $238,000 | 6,415 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $658,000 | 7,075 |
| Total interest expense | $140,000 | 7,885 |
| Net interest income | $518,000 | 6,545 |
| Provision for loan and lease losses | $42,000 | 4,061 |
| Total noninterest income | $36,000 | 7,906 |
| 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 | $7,000 | 8,228 |
| Total noninterest expense | $408,000 | 6,652 |
| Salaries and employee benefits | $256,000 | 6,169 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $95,000 | 7,280 |
| Pre-tax net operating income | $104,000 | 7,126 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $104,000 | 6,819 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $104,000 | 6,821 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $104,000 | 6,655 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,791,000 | 8,079 |
| Total interest expense | $422,000 | 8,592 |
| Net interest income | $1,369,000 | 7,641 |
| Provision for loan and lease losses | $285,000 | 3,576 |
| Total noninterest income | $75,000 | 8,691 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $78,000 | 6,973 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-3,000 | 9,275 |
| Total noninterest expense | $1,367,000 | 7,122 |
| Salaries and employee benefits | $870,000 | 6,616 |
| Premises and equipment expense | $177,000 | 7,070 |
| Additional noninterest expense | $320,000 | 7,663 |
| Pre-tax net operating income | $-208,000 | 8,838 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-208,000 | 8,910 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-208,000 | 8,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-208,000 | 8,858 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $169,000 | 9,547 |
| Total interest expense | $48,000 | 9,501 |
| Net interest income | $121,000 | 9,544 |
| Provision for loan and lease losses | $85,000 | 5,898 |
| Total noninterest income | $1,000 | 9,549 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,000 | 8,372 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $644,000 | 8,816 |
| Salaries and employee benefits | $341,000 | 8,890 |
| Premises and equipment expense | $134,000 | 7,784 |
| Additional noninterest expense | $169,000 | 8,915 |
| Pre-tax net operating income | $-607,000 | 9,212 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-607,000 | 9,281 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-607,000 | 9,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $5,445,000 | 167 |
| Net operating income | $-607,000 | 9,244 |
* 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.