Home > Mackinac Savings Bank, F.S.B. > Income and Expense
Mackinac Savings Bank, F.S.B., Income and Expense
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $916,000 | 4,354 |
| Total interest expense | $136,000 | 3,520 |
| Net interest income | $780,000 | 4,430 |
| Provision for loan and lease losses | $2,000 | 3,483 |
| Total noninterest income | $361,000 | 2,469 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $2,000 | 5,612 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $359,000 | 1,862 |
| Total noninterest expense | $1,015,000 | 3,578 |
| Salaries and employee benefits | $705,000 | 3,187 |
| Premises and equipment expense | $143,000 | 3,086 |
| Additional noninterest expense | $167,000 | 4,760 |
| Pre-tax net operating income | $124,000 | 4,807 |
| Securities gains (losses) | $0 | 1,153 |
| Applicable income taxes | $0 | 4,086 |
| Income before extraordinary items | $124,000 | 4,680 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $124,000 | 4,681 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $124,000 | 4,681 |
| Net charge-offs | $-4,000 | 4,579 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 632 |
| Net operating income | $124,000 | 4,668 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $3,488,000 | 4,474 |
| Total interest expense | $521,000 | 3,579 |
| Net interest income | $2,967,000 | 4,538 |
| Provision for loan and lease losses | $-195,000 | 5,636 |
| Total noninterest income | $2,335,000 | 1,928 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $8,000 | 5,692 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $2,327,000 | 1,437 |
| Total noninterest expense | $4,872,000 | 3,231 |
| Salaries and employee benefits | $3,432,000 | 2,799 |
| Premises and equipment expense | $566,000 | 3,130 |
| Additional noninterest expense | $874,000 | 4,400 |
| Pre-tax net operating income | $625,000 | 4,622 |
| Securities gains (losses) | $0 | 3,212 |
| Applicable income taxes | $16,000 | 3,918 |
| Income before extraordinary items | $609,000 | 4,521 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $609,000 | 4,519 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $609,000 | 4,520 |
| Net charge-offs | $-153,000 | 5,616 |
| Cash dividends | $0 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $609,000 | 4,471 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $2,570,000 | 4,538 |
| Total interest expense | $381,000 | 3,642 |
| Net interest income | $2,189,000 | 4,609 |
| Provision for loan and lease losses | $-222,000 | 5,785 |
| Total noninterest income | $1,509,000 | 2,115 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $6,000 | 5,755 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $1,503,000 | 1,593 |
| Total noninterest expense | $3,314,000 | 3,447 |
| Salaries and employee benefits | $2,184,000 | 3,081 |
| Premises and equipment expense | $425,000 | 3,145 |
| Additional noninterest expense | $705,000 | 4,304 |
| Pre-tax net operating income | $606,000 | 4,412 |
| Securities gains (losses) | $0 | 3,160 |
| Applicable income taxes | $16,000 | 3,913 |
| Income before extraordinary items | $590,000 | 4,277 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $590,000 | 4,276 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $590,000 | 4,277 |
| Net charge-offs | $-149,000 | 5,676 |
| Cash dividends | $0 | 3,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $590,000 | 4,204 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $1,679,000 | 4,611 |
| Total interest expense | $252,000 | 3,671 |
| Net interest income | $1,427,000 | 4,684 |
| Provision for loan and lease losses | $-258,000 | 5,914 |
| Total noninterest income | $840,000 | 2,321 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $4,000 | 5,826 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $836,000 | 1,749 |
| Total noninterest expense | $2,165,000 | 3,520 |
| Salaries and employee benefits | $1,454,000 | 3,105 |
| Premises and equipment expense | $282,000 | 3,164 |
| Additional noninterest expense | $429,000 | 4,505 |
| Pre-tax net operating income | $360,000 | 4,568 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $16,000 | 3,837 |
| Income before extraordinary items | $344,000 | 4,471 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $344,000 | 4,467 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $344,000 | 4,469 |
| Net charge-offs | $-145,000 | 5,787 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $344,000 | 4,401 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $834,000 | 4,651 |
| Total interest expense | $123,000 | 3,729 |
| Net interest income | $711,000 | 4,718 |
| Provision for loan and lease losses | $-62,000 | 5,962 |
| Total noninterest income | $442,000 | 2,236 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $2,000 | 5,864 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $440,000 | 1,648 |
| Total noninterest expense | $1,077,000 | 3,548 |
| Salaries and employee benefits | $721,000 | 3,143 |
| Premises and equipment expense | $143,000 | 3,167 |
| Additional noninterest expense | $213,000 | 4,559 |
| Pre-tax net operating income | $138,000 | 4,812 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $16,000 | 3,578 |
| Income before extraordinary items | $122,000 | 4,828 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $122,000 | 4,828 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $122,000 | 4,828 |
| Net charge-offs | $-62,000 | 5,786 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $122,000 | 4,764 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $2,999,000 | 4,847 |
| Total interest expense | $473,000 | 3,830 |
| Net interest income | $2,526,000 | 4,917 |
| Provision for loan and lease losses | $-16,000 | 5,619 |
| Total noninterest income | $2,285,000 | 1,935 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $11,000 | 5,918 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $2,274,000 | 1,387 |
| Total noninterest expense | $4,604,000 | 3,408 |
| Salaries and employee benefits | $3,200,000 | 2,913 |
| Premises and equipment expense | $603,000 | 3,090 |
| Additional noninterest expense | $801,000 | 4,697 |
| Pre-tax net operating income | $223,000 | 5,420 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $223,000 | 5,411 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $223,000 | 5,413 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $223,000 | 5,414 |
| Net charge-offs | $-202,000 | 5,865 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $223,000 | 5,363 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $2,219,000 | 4,921 |
| Total interest expense | $354,000 | 3,885 |
| Net interest income | $1,865,000 | 4,987 |
| Provision for loan and lease losses | $5,000 | 4,130 |
| Total noninterest income | $1,847,000 | 1,858 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $7,000 | 6,020 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,840,000 | 1,336 |
| Total noninterest expense | $3,588,000 | 3,340 |
| Salaries and employee benefits | $2,557,000 | 2,797 |
| Premises and equipment expense | $460,000 | 3,105 |
| Additional noninterest expense | $571,000 | 4,838 |
| Pre-tax net operating income | $119,000 | 5,675 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $119,000 | 5,670 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $119,000 | 5,673 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $119,000 | 5,673 |
| Net charge-offs | $-185,000 | 5,942 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $119,000 | 5,630 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $1,469,000 | 4,971 |
| Total interest expense | $234,000 | 3,945 |
| Net interest income | $1,235,000 | 5,039 |
| Provision for loan and lease losses | $5,000 | 3,922 |
| Total noninterest income | $1,313,000 | 1,784 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $5,000 | 6,076 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,308,000 | 1,299 |
| Total noninterest expense | $2,531,000 | 3,234 |
| Salaries and employee benefits | $1,825,000 | 2,672 |
| Premises and equipment expense | $315,000 | 3,060 |
| Additional noninterest expense | $391,000 | 4,812 |
| Pre-tax net operating income | $12,000 | 5,946 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $12,000 | 5,982 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $12,000 | 5,983 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $12,000 | 5,984 |
| Net charge-offs | $-181,000 | 6,056 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $12,000 | 5,945 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $732,000 | 5,001 |
| Total interest expense | $117,000 | 3,989 |
| Net interest income | $615,000 | 5,074 |
| Provision for loan and lease losses | $4,000 | 3,525 |
| Total noninterest income | $710,000 | 1,638 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $3,000 | 6,103 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $707,000 | 1,188 |
| Total noninterest expense | $1,319,000 | 3,165 |
| Salaries and employee benefits | $966,000 | 2,594 |
| Premises and equipment expense | $165,000 | 3,008 |
| Additional noninterest expense | $188,000 | 4,921 |
| Pre-tax net operating income | $2,000 | 5,994 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $2,000 | 6,035 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $2,000 | 6,036 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $2,000 | 6,036 |
| Net charge-offs | $-177,000 | 6,224 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $2,000 | 5,994 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $2,876,000 | 5,118 |
| Total interest expense | $440,000 | 4,270 |
| Net interest income | $2,436,000 | 5,155 |
| Provision for loan and lease losses | $-89,000 | 6,025 |
| Total noninterest income | $2,456,000 | 1,829 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $9,000 | 6,261 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,447,000 | 1,266 |
| Total noninterest expense | $5,235,000 | 3,211 |
| Salaries and employee benefits | $3,688,000 | 2,676 |
| Premises and equipment expense | $594,000 | 3,258 |
| Additional noninterest expense | $953,000 | 4,551 |
| Pre-tax net operating income | $-254,000 | 6,233 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $-254,000 | 6,246 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-254,000 | 6,247 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-254,000 | 6,247 |
| Net charge-offs | $-24,000 | 5,841 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-254,000 | 6,242 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $2,144,000 | 5,186 |
| Total interest expense | $322,000 | 4,368 |
| Net interest income | $1,822,000 | 5,217 |
| Provision for loan and lease losses | $-95,000 | 6,195 |
| Total noninterest income | $1,745,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $7,000 | 6,334 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,738,000 | 1,315 |
| Total noninterest expense | $3,940,000 | 3,222 |
| Salaries and employee benefits | $2,732,000 | 2,696 |
| Premises and equipment expense | $457,000 | 3,241 |
| Additional noninterest expense | $751,000 | 4,477 |
| Pre-tax net operating income | $-278,000 | 6,333 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $-278,000 | 6,346 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-278,000 | 6,345 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-278,000 | 6,345 |
| Net charge-offs | $-13,000 | 5,679 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-278,000 | 6,344 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,415,000 | 5,219 |
| Total interest expense | $210,000 | 4,464 |
| Net interest income | $1,205,000 | 5,257 |
| Provision for loan and lease losses | $-103,000 | 6,345 |
| Total noninterest income | $1,136,000 | 1,928 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $5,000 | 6,381 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,131,000 | 1,337 |
| Total noninterest expense | $2,595,000 | 3,263 |
| Salaries and employee benefits | $1,815,000 | 2,716 |
| Premises and equipment expense | $292,000 | 3,355 |
| Additional noninterest expense | $488,000 | 4,544 |
| Pre-tax net operating income | $-151,000 | 6,376 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-151,000 | 6,382 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-151,000 | 6,383 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-151,000 | 6,384 |
| Net charge-offs | $-2,000 | 5,209 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-151,000 | 6,372 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $709,000 | 5,270 |
| Total interest expense | $105,000 | 4,530 |
| Net interest income | $604,000 | 5,303 |
| Provision for loan and lease losses | $-115,000 | 6,532 |
| Total noninterest income | $511,000 | 2,009 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $2,000 | 6,442 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $509,000 | 1,403 |
| Total noninterest expense | $1,296,000 | 3,293 |
| Salaries and employee benefits | $871,000 | 2,809 |
| Premises and equipment expense | $145,000 | 3,429 |
| Additional noninterest expense | $280,000 | 4,257 |
| Pre-tax net operating income | $-66,000 | 6,402 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-66,000 | 6,415 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-66,000 | 6,415 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-66,000 | 6,416 |
| Net charge-offs | $-20,000 | 6,041 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-66,000 | 6,411 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,974,000 | 5,239 |
| Total interest expense | $404,000 | 4,891 |
| Net interest income | $2,570,000 | 5,243 |
| Provision for loan and lease losses | $324,000 | 2,350 |
| Total noninterest income | $3,481,000 | 1,457 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $8,000 | 6,553 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,473,000 | 1,049 |
| Total noninterest expense | $5,506,000 | 3,176 |
| Salaries and employee benefits | $3,944,000 | 2,505 |
| Premises and equipment expense | $603,000 | 3,299 |
| Additional noninterest expense | $959,000 | 4,665 |
| Pre-tax net operating income | $221,000 | 5,673 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $221,000 | 5,649 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $221,000 | 5,651 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $221,000 | 5,651 |
| Net charge-offs | $385,000 | 2,299 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $221,000 | 5,596 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,261,000 | 5,275 |
| Total interest expense | $299,000 | 5,008 |
| Net interest income | $1,962,000 | 5,256 |
| Provision for loan and lease losses | $304,000 | 2,055 |
| Total noninterest income | $2,569,000 | 1,499 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $7,000 | 6,601 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,562,000 | 1,084 |
| Total noninterest expense | $4,169,000 | 3,159 |
| Salaries and employee benefits | $3,031,000 | 2,470 |
| Premises and equipment expense | $454,000 | 3,322 |
| Additional noninterest expense | $684,000 | 4,805 |
| Pre-tax net operating income | $58,000 | 6,121 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $58,000 | 6,170 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $58,000 | 6,171 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $58,000 | 6,170 |
| Net charge-offs | $372,000 | 1,903 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $58,000 | 6,107 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 5,258 |
| Total interest expense | $196,000 | 5,106 |
| Net interest income | $1,341,000 | 5,216 |
| Provision for loan and lease losses | $116,000 | 2,815 |
| Total noninterest income | $1,684,000 | 1,524 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $4,000 | 6,665 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,680,000 | 1,103 |
| Total noninterest expense | $2,859,000 | 3,102 |
| Salaries and employee benefits | $2,107,000 | 2,386 |
| Premises and equipment expense | $302,000 | 3,336 |
| Additional noninterest expense | $450,000 | 4,852 |
| Pre-tax net operating income | $50,000 | 6,079 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $50,000 | 6,143 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $50,000 | 6,144 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $50,000 | 6,145 |
| Net charge-offs | $267,000 | 1,802 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $50,000 | 6,061 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $803,000 | 5,208 |
| Total interest expense | $102,000 | 5,109 |
| Net interest income | $701,000 | 5,165 |
| Provision for loan and lease losses | $97,000 | 2,129 |
| Total noninterest income | $802,000 | 1,566 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $2,000 | 6,720 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $800,000 | 1,151 |
| Total noninterest expense | $1,383,000 | 3,195 |
| Salaries and employee benefits | $1,050,000 | 2,414 |
| Premises and equipment expense | $155,000 | 3,311 |
| Additional noninterest expense | $178,000 | 5,382 |
| Pre-tax net operating income | $23,000 | 6,124 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $23,000 | 6,178 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $23,000 | 6,179 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $23,000 | 6,179 |
| Net charge-offs | $177,000 | 1,455 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $23,000 | 6,094 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,596,000 | 5,120 |
| Total interest expense | $447,000 | 5,330 |
| Net interest income | $3,149,000 | 4,993 |
| Provision for loan and lease losses | $167,000 | 4,172 |
| Total noninterest income | $3,459,000 | 1,485 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $9,000 | 6,800 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $3,450,000 | 1,064 |
| Total noninterest expense | $5,936,000 | 3,074 |
| Salaries and employee benefits | $4,069,000 | 2,404 |
| Premises and equipment expense | $562,000 | 3,541 |
| Additional noninterest expense | $1,305,000 | 4,149 |
| Pre-tax net operating income | $505,000 | 4,908 |
| Securities gains (losses) | $79,000 | 2,444 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $584,000 | 4,735 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $584,000 | 4,737 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $584,000 | 4,738 |
| Net charge-offs | $213,000 | 3,697 |
| Cash dividends | $335,000 | 3,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $505,000 | 4,731 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,731,000 | 5,185 |
| Total interest expense | $341,000 | 5,431 |
| Net interest income | $2,390,000 | 5,051 |
| Provision for loan and lease losses | $165,000 | 3,761 |
| Total noninterest income | $2,389,000 | 1,574 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $7,000 | 6,889 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,382,000 | 1,112 |
| Total noninterest expense | $4,441,000 | 3,083 |
| Salaries and employee benefits | $2,997,000 | 2,461 |
| Premises and equipment expense | $419,000 | 3,603 |
| Additional noninterest expense | $1,025,000 | 4,043 |
| Pre-tax net operating income | $173,000 | 5,769 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $173,000 | 5,834 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $173,000 | 5,833 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $173,000 | 5,833 |
| Net charge-offs | $168,000 | 3,478 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $173,000 | 5,665 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,833,000 | 5,191 |
| Total interest expense | $233,000 | 5,484 |
| Net interest income | $1,600,000 | 5,070 |
| Provision for loan and lease losses | $131,000 | 3,518 |
| Total noninterest income | $1,302,000 | 1,802 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $5,000 | 6,930 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,297,000 | 1,270 |
| Total noninterest expense | $2,728,000 | 3,308 |
| Salaries and employee benefits | $1,948,000 | 2,515 |
| Premises and equipment expense | $266,000 | 3,714 |
| Additional noninterest expense | $514,000 | 4,788 |
| Pre-tax net operating income | $43,000 | 6,133 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $43,000 | 6,262 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $43,000 | 6,262 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $43,000 | 6,262 |
| Net charge-offs | $126,000 | 3,206 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $43,000 | 6,121 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $935,000 | 5,190 |
| Total interest expense | $123,000 | 5,477 |
| Net interest income | $812,000 | 5,063 |
| Provision for loan and lease losses | $45,000 | 3,771 |
| Total noninterest income | $607,000 | 1,883 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $2,000 | 6,990 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $605,000 | 1,317 |
| Total noninterest expense | $1,365,000 | 3,306 |
| Salaries and employee benefits | $957,000 | 2,587 |
| Premises and equipment expense | $147,000 | 3,517 |
| Additional noninterest expense | $261,000 | 4,754 |
| Pre-tax net operating income | $9,000 | 6,342 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $9,000 | 6,446 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $9,000 | 6,446 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $9,000 | 6,446 |
| Net charge-offs | $44,000 | 3,112 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $9,000 | 6,331 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,068,000 | 5,110 |
| Total interest expense | $776,000 | 4,979 |
| Net interest income | $3,292,000 | 5,055 |
| Provision for loan and lease losses | $344,000 | 3,941 |
| Total noninterest income | $2,058,000 | 1,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 6,974 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,058,000 | 1,329 |
| Total noninterest expense | $4,927,000 | 3,579 |
| Salaries and employee benefits | $3,454,000 | 2,776 |
| Premises and equipment expense | $710,000 | 3,170 |
| Additional noninterest expense | $763,000 | 5,501 |
| Pre-tax net operating income | $79,000 | 5,828 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-14,000 | 6,609 |
| Income before extraordinary items | $93,000 | 5,898 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $93,000 | 5,900 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $93,000 | 5,900 |
| Net charge-offs | $61,000 | 5,363 |
| Cash dividends | $60,000 | 3,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $93,000 | 5,784 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,085,000 | 5,134 |
| Total interest expense | $621,000 | 4,963 |
| Net interest income | $2,464,000 | 5,089 |
| Provision for loan and lease losses | $184,000 | 4,245 |
| Total noninterest income | $1,471,000 | 2,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,471,000 | 1,362 |
| Total noninterest expense | $3,697,000 | 3,584 |
| Salaries and employee benefits | $2,574,000 | 2,786 |
| Premises and equipment expense | $539,000 | 3,182 |
| Additional noninterest expense | $584,000 | 5,491 |
| Pre-tax net operating income | $54,000 | 5,979 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $54,000 | 6,075 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 6,076 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $54,000 | 6,076 |
| Net charge-offs | $-87,000 | 7,307 |
| Cash dividends | $60,000 | 3,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $54,000 | 5,966 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,076,000 | 5,151 |
| Total interest expense | $443,000 | 4,913 |
| Net interest income | $1,633,000 | 5,126 |
| Provision for loan and lease losses | $139,000 | 4,029 |
| Total noninterest income | $995,000 | 1,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $995,000 | 1,347 |
| Total noninterest expense | $2,470,000 | 3,609 |
| Salaries and employee benefits | $1,707,000 | 2,827 |
| Premises and equipment expense | $363,000 | 3,168 |
| Additional noninterest expense | $400,000 | 5,537 |
| Pre-tax net operating income | $19,000 | 6,106 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $19,000 | 6,200 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $19,000 | 6,199 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $19,000 | 6,200 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $60,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $19,000 | 6,120 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,052,000 | 5,138 |
| Total interest expense | $238,000 | 4,860 |
| Net interest income | $814,000 | 5,124 |
| Provision for loan and lease losses | $109,000 | 3,254 |
| Total noninterest income | $561,000 | 1,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $561,000 | 1,257 |
| Total noninterest expense | $1,251,000 | 3,586 |
| Salaries and employee benefits | $856,000 | 2,828 |
| Premises and equipment expense | $186,000 | 3,166 |
| Additional noninterest expense | $209,000 | 5,424 |
| Pre-tax net operating income | $15,000 | 6,156 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $15,000 | 6,185 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $15,000 | 6,184 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $15,000 | 6,185 |
| Net charge-offs | $-45,000 | 7,340 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $15,000 | 6,146 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,945,000 | 4,843 |
| Total interest expense | $1,135,000 | 4,941 |
| Net interest income | $3,810,000 | 4,715 |
| Provision for loan and lease losses | $938,000 | 3,162 |
| Total noninterest income | $2,662,000 | 1,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,662,000 | 1,143 |
| Total noninterest expense | $5,334,000 | 3,415 |
| Salaries and employee benefits | $3,709,000 | 2,593 |
| Premises and equipment expense | $776,000 | 3,041 |
| Additional noninterest expense | $849,000 | 5,487 |
| Pre-tax net operating income | $200,000 | 5,203 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $200,000 | 5,281 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $200,000 | 5,284 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $200,000 | 5,284 |
| Net charge-offs | $1,133,000 | 2,515 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $200,000 | 5,144 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,800,000 | 4,882 |
| Total interest expense | $881,000 | 5,024 |
| Net interest income | $2,919,000 | 4,717 |
| Provision for loan and lease losses | $620,000 | 3,191 |
| Total noninterest income | $1,630,000 | 1,969 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,630,000 | 1,269 |
| Total noninterest expense | $3,854,000 | 3,533 |
| Salaries and employee benefits | $2,686,000 | 2,677 |
| Premises and equipment expense | $550,000 | 3,229 |
| Additional noninterest expense | $618,000 | 5,581 |
| Pre-tax net operating income | $75,000 | 5,706 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $75,000 | 5,836 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $75,000 | 5,838 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $75,000 | 5,838 |
| Net charge-offs | $667,000 | 2,698 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $75,000 | 5,689 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 4,870 |
| Total interest expense | $618,000 | 5,000 |
| Net interest income | $1,962,000 | 4,711 |
| Provision for loan and lease losses | $300,000 | 3,591 |
| Total noninterest income | $896,000 | 2,197 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $896,000 | 1,405 |
| Total noninterest expense | $2,518,000 | 3,602 |
| Salaries and employee benefits | $1,736,000 | 2,765 |
| Premises and equipment expense | $364,000 | 3,262 |
| Additional noninterest expense | $418,000 | 5,563 |
| Pre-tax net operating income | $40,000 | 5,877 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $40,000 | 5,969 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $40,000 | 5,971 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $40,000 | 5,970 |
| Net charge-offs | $431,000 | 2,611 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $40,000 | 5,874 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,331,000 | 4,844 |
| Total interest expense | $330,000 | 4,959 |
| Net interest income | $1,001,000 | 4,680 |
| Provision for loan and lease losses | $190,000 | 3,073 |
| Total noninterest income | $451,000 | 2,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $451,000 | 1,401 |
| Total noninterest expense | $1,245,000 | 3,661 |
| Salaries and employee benefits | $842,000 | 2,879 |
| Premises and equipment expense | $191,000 | 3,241 |
| Additional noninterest expense | $212,000 | 5,545 |
| Pre-tax net operating income | $17,000 | 6,054 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $17,000 | 6,158 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $17,000 | 6,159 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $17,000 | 6,159 |
| Net charge-offs | $173,000 | 2,592 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $17,000 | 6,053 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,156,000 | 4,539 |
| Total interest expense | $1,919,000 | 4,568 |
| Net interest income | $4,237,000 | 4,403 |
| Provision for loan and lease losses | $1,414,000 | 2,974 |
| Total noninterest income | $2,119,000 | 2,040 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,119,000 | 1,322 |
| Total noninterest expense | $4,954,000 | 3,718 |
| Salaries and employee benefits | $3,314,000 | 2,930 |
| Premises and equipment expense | $715,000 | 3,397 |
| Additional noninterest expense | $925,000 | 5,457 |
| Pre-tax net operating income | $-12,000 | 5,442 |
| Securities gains (losses) | $206,000 | 1,533 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $194,000 | 4,821 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $194,000 | 4,823 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $194,000 | 4,823 |
| Net charge-offs | $1,311,000 | 2,534 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-12,000 | 5,514 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,787,000 | 4,493 |
| Total interest expense | $1,509,000 | 4,588 |
| Net interest income | $3,278,000 | 4,322 |
| Provision for loan and lease losses | $1,185,000 | 2,530 |
| Total noninterest income | $1,548,000 | 2,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,548,000 | 1,360 |
| Total noninterest expense | $3,674,000 | 3,758 |
| Salaries and employee benefits | $2,420,000 | 3,015 |
| Premises and equipment expense | $535,000 | 3,449 |
| Additional noninterest expense | $719,000 | 5,332 |
| Pre-tax net operating income | $-33,000 | 5,752 |
| Securities gains (losses) | $206,000 | 1,271 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $173,000 | 4,975 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $173,000 | 4,974 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $173,000 | 4,975 |
| Net charge-offs | $813,000 | 2,451 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-33,000 | 5,794 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,388,000 | 4,359 |
| Total interest expense | $1,067,000 | 4,540 |
| Net interest income | $2,321,000 | 4,116 |
| Provision for loan and lease losses | $1,062,000 | 1,997 |
| Total noninterest income | $1,087,000 | 2,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,087,000 | 1,350 |
| Total noninterest expense | $2,479,000 | 3,751 |
| Salaries and employee benefits | $1,598,000 | 3,076 |
| Premises and equipment expense | $357,000 | 3,480 |
| Additional noninterest expense | $524,000 | 5,117 |
| Pre-tax net operating income | $-133,000 | 6,153 |
| Securities gains (losses) | $206,000 | 1,003 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $73,000 | 5,412 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $73,000 | 5,409 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $73,000 | 5,409 |
| Net charge-offs | $798,000 | 1,838 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-133,000 | 6,221 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 4,379 |
| Total interest expense | $604,000 | 4,346 |
| Net interest income | $1,100,000 | 4,277 |
| Provision for loan and lease losses | $202,000 | 2,832 |
| Total noninterest income | $26,000 | 7,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $26,000 | 5,845 |
| Total noninterest expense | $1,158,000 | 3,870 |
| Salaries and employee benefits | $757,000 | 3,246 |
| Premises and equipment expense | $179,000 | 3,512 |
| Additional noninterest expense | $222,000 | 5,311 |
| Pre-tax net operating income | $-234,000 | 6,949 |
| Securities gains (losses) | $247,000 | 582 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $13,000 | 6,246 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $13,000 | 6,248 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $13,000 | 6,248 |
| Net charge-offs | $388,000 | 1,571 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-234,000 | 7,025 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,692,000 | 4,617 |
| Total interest expense | $3,122,000 | 4,148 |
| Net interest income | $3,570,000 | 4,923 |
| Provision for loan and lease losses | $127,000 | 5,755 |
| Total noninterest income | $328,000 | 5,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $328,000 | 3,937 |
| Total noninterest expense | $4,555,000 | 3,850 |
| Salaries and employee benefits | $3,135,000 | 3,132 |
| Premises and equipment expense | $679,000 | 3,585 |
| Additional noninterest expense | $741,000 | 5,678 |
| Pre-tax net operating income | $-784,000 | 6,913 |
| Securities gains (losses) | $952,000 | 224 |
| Applicable income taxes | $-14,000 | 6,814 |
| Income before extraordinary items | $182,000 | 5,550 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $182,000 | 5,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $482,000 | 2,845 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-770,000 | 7,000 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 4,638 |
| Total interest expense | $2,444,000 | 4,141 |
| Net interest income | $2,673,000 | 4,954 |
| Provision for loan and lease losses | $36,000 | 6,153 |
| Total noninterest income | $273,000 | 5,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $273,000 | 3,857 |
| Total noninterest expense | $3,412,000 | 3,837 |
| Salaries and employee benefits | $2,398,000 | 3,102 |
| Premises and equipment expense | $507,000 | 3,599 |
| Additional noninterest expense | $507,000 | 5,868 |
| Pre-tax net operating income | $-502,000 | 7,268 |
| Securities gains (losses) | $661,000 | 254 |
| Applicable income taxes | $-14,000 | 7,323 |
| Income before extraordinary items | $173,000 | 5,836 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $173,000 | 5,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 2,520 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-488,000 | 7,321 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,513,000 | 4,620 |
| Total interest expense | $1,729,000 | 4,120 |
| Net interest income | $1,784,000 | 4,966 |
| Provision for loan and lease losses | $3,000 | 6,580 |
| Total noninterest income | $190,000 | 5,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $190,000 | 3,864 |
| Total noninterest expense | $2,260,000 | 3,870 |
| Salaries and employee benefits | $1,601,000 | 3,142 |
| Premises and equipment expense | $337,000 | 3,638 |
| Additional noninterest expense | $322,000 | 5,989 |
| Pre-tax net operating income | $-289,000 | 7,427 |
| Securities gains (losses) | $457,000 | 344 |
| Applicable income taxes | $6,000 | 5,175 |
| Income before extraordinary items | $162,000 | 5,882 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $162,000 | 5,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,131 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-276,720 | 7,479 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,816,000 | 4,599 |
| Total interest expense | $955,000 | 4,013 |
| Net interest income | $861,000 | 5,079 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $144,000 | 4,696 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $144,000 | 3,103 |
| Total noninterest expense | $1,129,000 | 3,884 |
| Salaries and employee benefits | $796,000 | 3,176 |
| Premises and equipment expense | $177,000 | 3,535 |
| Additional noninterest expense | $156,000 | 6,079 |
| Pre-tax net operating income | $-124,000 | 7,624 |
| Securities gains (losses) | $254,000 | 378 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $126,000 | 5,504 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $126,000 | 5,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 1,417 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-120,380 | 7,670 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,357,000 | 4,243 |
| Total interest expense | $4,723,000 | 3,606 |
| Net interest income | $3,634,000 | 4,909 |
| Provision for loan and lease losses | $6,000 | 6,695 |
| Total noninterest income | $424,000 | 5,379 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $424,000 | 3,625 |
| Total noninterest expense | $4,473,000 | 3,776 |
| Salaries and employee benefits | $3,147,000 | 3,097 |
| Premises and equipment expense | $664,000 | 3,572 |
| Additional noninterest expense | $662,000 | 5,879 |
| Pre-tax net operating income | $-421,000 | 7,766 |
| Securities gains (losses) | $1,033,000 | 171 |
| Applicable income taxes | $14,000 | 5,548 |
| Income before extraordinary items | $598,000 | 5,354 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $598,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,215 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-414,340 | 7,825 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,312,000 | 4,244 |
| Total interest expense | $3,546,000 | 3,604 |
| Net interest income | $2,766,000 | 4,884 |
| Provision for loan and lease losses | $4,000 | 6,410 |
| Total noninterest income | $345,000 | 5,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $345,000 | 3,488 |
| Total noninterest expense | $3,363,000 | 3,749 |
| Salaries and employee benefits | $2,350,000 | 3,093 |
| Premises and equipment expense | $505,000 | 3,526 |
| Additional noninterest expense | $508,000 | 5,771 |
| Pre-tax net operating income | $-256,000 | 7,932 |
| Securities gains (losses) | $825,000 | 168 |
| Applicable income taxes | $12,000 | 5,670 |
| Income before extraordinary items | $557,000 | 5,170 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $557,000 | 5,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,478 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-251,500 | 7,956 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,205,000 | 4,272 |
| Total interest expense | $2,317,000 | 3,660 |
| Net interest income | $1,888,000 | 4,842 |
| Provision for loan and lease losses | $1,000 | 6,174 |
| Total noninterest income | $236,000 | 5,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $236,000 | 3,465 |
| Total noninterest expense | $2,248,000 | 3,771 |
| Salaries and employee benefits | $1,558,000 | 3,144 |
| Premises and equipment expense | $344,000 | 3,489 |
| Additional noninterest expense | $346,000 | 5,717 |
| Pre-tax net operating income | $-125,000 | 8,010 |
| Securities gains (losses) | $553,000 | 174 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $419,000 | 4,962 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $419,000 | 4,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-122,940 | 8,029 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,079,000 | 4,287 |
| Total interest expense | $1,147,000 | 3,653 |
| Net interest income | $932,000 | 4,898 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $108,000 | 5,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $108,000 | 3,619 |
| Total noninterest expense | $1,117,000 | 3,786 |
| Salaries and employee benefits | $771,000 | 3,186 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $168,000 | 5,794 |
| Pre-tax net operating income | $-77,000 | 8,093 |
| Securities gains (losses) | $263,000 | 174 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $182,000 | 5,268 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $182,000 | 5,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-75,740 | 8,106 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,606,000 | 4,333 |
| Total interest expense | $4,018,000 | 3,585 |
| Net interest income | $3,588,000 | 4,971 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $687,000 | 4,403 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $687,000 | 2,793 |
| Total noninterest expense | $4,489,000 | 3,634 |
| Salaries and employee benefits | $3,091,000 | 3,051 |
| Premises and equipment expense | $703,000 | 3,328 |
| Additional noninterest expense | $695,000 | 5,667 |
| Pre-tax net operating income | $-214,000 | 8,125 |
| Securities gains (losses) | $1,041,000 | 164 |
| Applicable income taxes | $19,000 | 5,938 |
| Income before extraordinary items | $808,000 | 5,182 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $808,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $530,000 | 3,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-212,180 | 8,153 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,600,000 | 4,370 |
| Total interest expense | $2,921,000 | 3,582 |
| Net interest income | $2,679,000 | 5,036 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $526,000 | 4,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $526,000 | 2,775 |
| Total noninterest expense | $3,425,000 | 3,597 |
| Salaries and employee benefits | $2,373,000 | 2,976 |
| Premises and equipment expense | $539,000 | 3,270 |
| Additional noninterest expense | $513,000 | 5,695 |
| Pre-tax net operating income | $-220,000 | 8,309 |
| Securities gains (losses) | $756,000 | 172 |
| Applicable income taxes | $12,000 | 6,158 |
| Income before extraordinary items | $524,000 | 5,657 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $524,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $530,000 | 2,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-216,880 | 8,323 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 4,380 |
| Total interest expense | $1,848,000 | 3,607 |
| Net interest income | $1,799,000 | 5,030 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $369,000 | 4,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $369,000 | 2,680 |
| Total noninterest expense | $2,309,000 | 3,565 |
| Salaries and employee benefits | $1,580,000 | 2,995 |
| Premises and equipment expense | $380,000 | 3,123 |
| Additional noninterest expense | $349,000 | 5,622 |
| Pre-tax net operating income | $-141,000 | 8,370 |
| Securities gains (losses) | $447,000 | 176 |
| Applicable income taxes | $6,000 | 6,279 |
| Income before extraordinary items | $300,000 | 6,011 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $300,000 | 6,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $415,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-138,060 | 8,378 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 4,405 |
| Total interest expense | $868,000 | 3,630 |
| Net interest income | $915,000 | 4,976 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $140,000 | 4,843 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $140,000 | 3,094 |
| Total noninterest expense | $1,158,000 | 3,566 |
| Salaries and employee benefits | $771,000 | 3,067 |
| Premises and equipment expense | $204,000 | 2,974 |
| Additional noninterest expense | $183,000 | 5,453 |
| Pre-tax net operating income | $-103,000 | 8,449 |
| Securities gains (losses) | $190,000 | 189 |
| Applicable income taxes | $2,000 | 6,346 |
| Income before extraordinary items | $85,000 | 6,976 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $85,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-101,200 | 8,447 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,526,000 | 4,365 |
| Total interest expense | $2,531,000 | 3,791 |
| Net interest income | $3,995,000 | 4,629 |
| Provision for loan and lease losses | $44,000 | 5,895 |
| Total noninterest income | $758,000 | 4,173 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $758,000 | 2,632 |
| Total noninterest expense | $4,737,000 | 3,387 |
| Salaries and employee benefits | $3,280,000 | 2,745 |
| Premises and equipment expense | $697,000 | 3,241 |
| Additional noninterest expense | $760,000 | 5,333 |
| Pre-tax net operating income | $-28,000 | 8,283 |
| Securities gains (losses) | $1,368,000 | 169 |
| Applicable income taxes | $40,000 | 5,998 |
| Income before extraordinary items | $1,300,000 | 4,151 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,300,000 | 4,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,923 |
| Cash dividends | $2,295,000 | 1,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-26,960 | 8,283 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,834,000 | 4,357 |
| Total interest expense | $1,725,000 | 3,915 |
| Net interest income | $3,109,000 | 4,521 |
| Provision for loan and lease losses | $44,000 | 5,480 |
| Total noninterest income | $618,000 | 3,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $618,000 | 2,511 |
| Total noninterest expense | $3,663,000 | 3,274 |
| Salaries and employee benefits | $2,547,000 | 2,621 |
| Premises and equipment expense | $542,000 | 3,133 |
| Additional noninterest expense | $574,000 | 5,251 |
| Pre-tax net operating income | $20,000 | 8,271 |
| Securities gains (losses) | $1,027,000 | 178 |
| Applicable income taxes | $34,000 | 6,012 |
| Income before extraordinary items | $1,013,000 | 4,121 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,013,000 | 4,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,080 |
| Cash dividends | $2,295,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $16,810 | 8,278 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,187,000 | 4,315 |
| Total interest expense | $1,065,000 | 3,960 |
| Net interest income | $2,122,000 | 4,425 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $392,000 | 4,102 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $392,000 | 2,581 |
| Total noninterest expense | $2,429,000 | 3,271 |
| Salaries and employee benefits | $1,673,000 | 2,644 |
| Premises and equipment expense | $354,000 | 3,160 |
| Additional noninterest expense | $402,000 | 5,061 |
| Pre-tax net operating income | $85,000 | 7,924 |
| Securities gains (losses) | $606,000 | 195 |
| Applicable income taxes | $24,000 | 5,993 |
| Income before extraordinary items | $667,000 | 4,130 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $667,000 | 4,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,429 |
| Cash dividends | $2,130,000 | 676 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $79,180 | 7,849 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 4,305 |
| Total interest expense | $508,000 | 3,983 |
| Net interest income | $1,079,000 | 4,382 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $184,000 | 4,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $184,000 | 2,616 |
| Total noninterest expense | $1,184,000 | 3,347 |
| Salaries and employee benefits | $797,000 | 2,774 |
| Premises and equipment expense | $178,000 | 3,180 |
| Additional noninterest expense | $209,000 | 4,926 |
| Pre-tax net operating income | $79,000 | 7,504 |
| Securities gains (losses) | $294,000 | 199 |
| Applicable income taxes | $15,000 | 5,858 |
| Income before extraordinary items | $358,000 | 3,908 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $358,000 | 3,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,912 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $75,760 | 7,293 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,690,000 | 4,425 |
| Total interest expense | $1,853,000 | 3,880 |
| Net interest income | $3,837,000 | 4,620 |
| Provision for loan and lease losses | $32,000 | 6,387 |
| Total noninterest income | $724,000 | 4,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $724,000 | 2,663 |
| Total noninterest expense | $4,895,000 | 3,182 |
| Salaries and employee benefits | $2,525,000 | 3,319 |
| Premises and equipment expense | $528,000 | 3,916 |
| Additional noninterest expense | $1,842,000 | 2,601 |
| Pre-tax net operating income | $-366,000 | 8,596 |
| Securities gains (losses) | $1,443,000 | 220 |
| Applicable income taxes | $534,000 | 3,241 |
| Income before extraordinary items | $543,000 | 6,191 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $543,000 | 6,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 767 |
| Net operating income | $-380,520 | 8,635 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,138,000 | 4,509 |
| Total interest expense | $1,369,000 | 3,874 |
| Net interest income | $2,769,000 | 4,728 |
| Provision for loan and lease losses | $32,000 | 5,939 |
| Total noninterest income | $585,000 | 4,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $585,000 | 2,538 |
| Total noninterest expense | $3,592,000 | 3,224 |
| Salaries and employee benefits | $1,628,000 | 3,720 |
| Premises and equipment expense | $335,000 | 4,420 |
| Additional noninterest expense | $1,629,000 | 2,219 |
| Pre-tax net operating income | $-270,000 | 8,680 |
| Securities gains (losses) | $1,091,000 | 253 |
| Applicable income taxes | $371,000 | 3,436 |
| Income before extraordinary items | $450,000 | 6,054 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $450,000 | 6,054 |
| 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 | $30,000 | 631 |
| Net operating income | $-248,240 | 8,686 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 4,620 |
| Total interest expense | $911,000 | 3,891 |
| Net interest income | $1,751,000 | 4,885 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $371,000 | 4,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $371,000 | 2,636 |
| Total noninterest expense | $2,383,000 | 3,237 |
| Salaries and employee benefits | $789,000 | 4,770 |
| Premises and equipment expense | $149,000 | 5,683 |
| Additional noninterest expense | $1,445,000 | 1,664 |
| Pre-tax net operating income | $-293,000 | 8,812 |
| Securities gains (losses) | $721,000 | 277 |
| Applicable income taxes | $165,000 | 4,094 |
| Income before extraordinary items | $263,000 | 6,331 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $263,000 | 6,332 |
| 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 | $-198,440 | 8,770 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,318,000 | 4,674 |
| Total interest expense | $463,000 | 3,879 |
| Net interest income | $855,000 | 4,981 |
| Provision for loan and lease losses | $32,000 | 4,015 |
| Total noninterest income | $169,000 | 4,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $169,000 | 2,733 |
| Total noninterest expense | $1,138,000 | 3,389 |
| Salaries and employee benefits | $789,000 | 2,723 |
| Premises and equipment expense | $144,000 | 3,699 |
| Additional noninterest expense | $205,000 | 4,985 |
| Pre-tax net operating income | $-146,000 | 8,859 |
| Securities gains (losses) | $324,000 | 356 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $178,000 | 5,622 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $178,000 | 5,623 |
| 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 | $-146,000 | 8,872 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,050,000 | 4,298 |
| Total interest expense | $1,891,000 | 4,196 |
| Net interest income | $4,159,000 | 4,244 |
| Provision for loan and lease losses | $196,000 | 4,069 |
| Total noninterest income | $1,025,000 | 3,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,025,000 | 2,354 |
| Total noninterest expense | $5,717,000 | 2,712 |
| Salaries and employee benefits | $3,948,000 | 2,153 |
| Premises and equipment expense | $796,000 | 2,773 |
| Additional noninterest expense | $973,000 | 4,373 |
| Pre-tax net operating income | $-729,000 | 8,905 |
| Securities gains (losses) | $3,657,000 | 189 |
| Applicable income taxes | $1,083,000 | 2,068 |
| Income before extraordinary items | $1,845,000 | 3,044 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,845,000 | 3,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,883 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-495,480 | 8,839 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,684,000 | 4,241 |
| Total interest expense | $1,427,000 | 4,287 |
| Net interest income | $3,257,000 | 4,130 |
| Provision for loan and lease losses | $164,000 | 3,748 |
| Total noninterest income | $822,000 | 3,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $822,000 | 2,334 |
| Total noninterest expense | $4,517,000 | 2,602 |
| Salaries and employee benefits | $3,300,000 | 1,952 |
| Premises and equipment expense | $549,000 | 2,977 |
| Additional noninterest expense | $668,000 | 4,629 |
| Pre-tax net operating income | $-602,000 | 8,998 |
| Securities gains (losses) | $3,342,000 | 190 |
| Applicable income taxes | $1,076,000 | 1,747 |
| Income before extraordinary items | $1,664,000 | 2,733 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,664,000 | 2,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-474,880 | 8,961 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,223,000 | 4,169 |
| Total interest expense | $970,000 | 4,343 |
| Net interest income | $2,253,000 | 4,013 |
| Provision for loan and lease losses | $106,000 | 3,764 |
| Total noninterest income | $558,000 | 3,512 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $558,000 | 2,287 |
| Total noninterest expense | $3,030,000 | 2,570 |
| Salaries and employee benefits | $2,202,000 | 1,937 |
| Premises and equipment expense | $352,000 | 3,065 |
| Additional noninterest expense | $476,000 | 4,400 |
| Pre-tax net operating income | $-325,000 | 8,995 |
| Securities gains (losses) | $2,222,000 | 213 |
| Applicable income taxes | $729,000 | 1,758 |
| Income before extraordinary items | $1,168,000 | 2,643 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,168,000 | 2,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-254,080 | 8,972 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 4,153 |
| Total interest expense | $476,000 | 4,495 |
| Net interest income | $1,158,000 | 3,933 |
| Provision for loan and lease losses | $48,000 | 3,749 |
| Total noninterest income | $263,000 | 3,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $263,000 | 2,291 |
| Total noninterest expense | $1,518,000 | 2,549 |
| Salaries and employee benefits | $1,090,000 | 1,953 |
| Premises and equipment expense | $175,000 | 3,086 |
| Additional noninterest expense | $253,000 | 4,171 |
| Pre-tax net operating income | $-145,000 | 9,027 |
| Securities gains (losses) | $1,063,000 | 209 |
| Applicable income taxes | $330,000 | 1,918 |
| Income before extraordinary items | $588,000 | 2,586 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $588,000 | 2,584 |
| 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 | $-92,320 | 8,953 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,171,000 | 4,471 |
| Total interest expense | $2,051,000 | 4,710 |
| Net interest income | $4,120,000 | 4,255 |
| Provision for loan and lease losses | $186,000 | 4,502 |
| Total noninterest income | $801,000 | 4,000 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $801,000 | 2,503 |
| Total noninterest expense | $5,200,000 | 2,829 |
| Salaries and employee benefits | $3,580,000 | 2,237 |
| Premises and equipment expense | $671,000 | 3,113 |
| Additional noninterest expense | $949,000 | 4,358 |
| Pre-tax net operating income | $-465,000 | 8,962 |
| Securities gains (losses) | $2,560,000 | 240 |
| Applicable income taxes | $826,000 | 2,539 |
| Income before extraordinary items | $1,269,000 | 3,941 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,269,000 | 3,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,321 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-369,400 | 8,954 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,025,000 | 4,938 |
| Total interest expense | $2,975,000 | 4,764 |
| Net interest income | $3,050,000 | 5,000 |
| Provision for loan and lease losses | $137,000 | 4,968 |
| Total noninterest income | $798,000 | 3,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $798,000 | 2,392 |
| Total noninterest expense | $4,345,000 | 3,185 |
| Salaries and employee benefits | $2,799,000 | 2,672 |
| Premises and equipment expense | $789,000 | 2,667 |
| Additional noninterest expense | $757,000 | 4,979 |
| Pre-tax net operating income | $-634,000 | 9,222 |
| Securities gains (losses) | $1,934,000 | 251 |
| Applicable income taxes | $503,000 | 3,325 |
| Income before extraordinary items | $797,000 | 4,883 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $797,000 | 4,886 |
| 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 | $0 | 922 |
| Net operating income | $-440,760 | 9,163 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,525,000 | 5,367 |
| Total interest expense | $2,948,000 | 4,988 |
| Net interest income | $2,577,000 | 5,691 |
| Provision for loan and lease losses | $74,000 | 5,896 |
| Total noninterest income | $599,000 | 4,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $599,000 | 2,631 |
| Total noninterest expense | $3,445,000 | 3,755 |
| Salaries and employee benefits | $2,003,000 | 3,461 |
| Premises and equipment expense | $752,000 | 2,717 |
| Additional noninterest expense | $690,000 | 5,225 |
| Pre-tax net operating income | $-343,000 | 9,449 |
| Securities gains (losses) | $865,000 | 172 |
| Applicable income taxes | $216,000 | 5,251 |
| Income before extraordinary items | $306,000 | 7,435 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $306,000 | 7,434 |
| 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 | $0 | 969 |
| Net operating income | $-247,600 | 9,411 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,103,000 | 5,496 |
| Total interest expense | $3,015,000 | 4,584 |
| Net interest income | $2,088,000 | 6,480 |
| Provision for loan and lease losses | $134,000 | 4,526 |
| Total noninterest income | $565,000 | 4,598 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $565,000 | 2,731 |
| Total noninterest expense | $3,841,000 | 3,438 |
| Salaries and employee benefits | $2,290,000 | 3,038 |
| Premises and equipment expense | $756,000 | 2,689 |
| Additional noninterest expense | $795,000 | 4,805 |
| Pre-tax net operating income | $-1,322,000 | 10,111 |
| Securities gains (losses) | $1,237,000 | 191 |
| Applicable income taxes | $-20,000 | 9,716 |
| Income before extraordinary items | $-65,000 | 9,532 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-65,000 | 9,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $330,000 | 664 |
| Net operating income | $-1,005,120 | 10,068 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,092,000 | 6,409 |
| Total interest expense | $2,330,000 | 5,620 |
| Net interest income | $1,762,000 | 7,138 |
| Provision for loan and lease losses | $113,000 | 4,873 |
| Total noninterest income | $791,000 | 3,653 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $791,000 | 2,189 |
| Total noninterest expense | $3,638,000 | 3,496 |
| Salaries and employee benefits | $2,371,000 | 2,863 |
| Premises and equipment expense | $619,000 | 3,071 |
| Additional noninterest expense | $648,000 | 5,458 |
| Pre-tax net operating income | $-1,198,000 | 10,374 |
| Securities gains (losses) | $2,372,000 | 213 |
| Applicable income taxes | $245,000 | 5,696 |
| Income before extraordinary items | $929,000 | 4,730 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $929,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,956 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-944,880 | 10,332 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,450,000 | 7,209 |
| Total interest expense | $1,908,000 | 6,457 |
| Net interest income | $1,542,000 | 7,884 |
| Provision for loan and lease losses | $102,000 | 5,114 |
| Total noninterest income | $520,000 | 4,874 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $520,000 | 2,744 |
| Total noninterest expense | $2,714,000 | 4,457 |
| Salaries and employee benefits | $1,869,000 | 3,516 |
| Premises and equipment expense | $531,000 | 3,511 |
| Additional noninterest expense | $314,000 | 8,183 |
| Pre-tax net operating income | $-754,000 | 10,809 |
| Securities gains (losses) | $1,096,000 | 261 |
| Applicable income taxes | $23,000 | 9,670 |
| Income before extraordinary items | $319,000 | 8,233 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $319,000 | 8,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $115,000 | 750 |
| Net operating income | $-700,280 | 10,795 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,423,000 | 8,793 |
| Total interest expense | $1,423,000 | 7,777 |
| Net interest income | $1,000,000 | 9,555 |
| Provision for loan and lease losses | $35,000 | 7,226 |
| Total noninterest income | $532,000 | 4,958 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $532,000 | 2,804 |
| Total noninterest expense | $2,330,000 | 5,290 |
| Salaries and employee benefits | $1,353,000 | 4,719 |
| Premises and equipment expense | $418,000 | 4,380 |
| Additional noninterest expense | $559,000 | 6,624 |
| Pre-tax net operating income | $-833,000 | 11,315 |
| Securities gains (losses) | $994,000 | 255 |
| Applicable income taxes | $-68,000 | 11,123 |
| Income before extraordinary items | $229,000 | 9,009 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $229,000 | 9,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,102 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 517 |
| Net operating income | $-765,000 | 11,304 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,675,000 | 10,224 |
| Total interest expense | $1,050,000 | 9,084 |
| Net interest income | $625,000 | 11,051 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $297,000 | 7,112 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $297,000 | 4,024 |
| Total noninterest expense | $2,343,000 | 5,273 |
| Salaries and employee benefits | $1,179,000 | 5,288 |
| Premises and equipment expense | $421,000 | 4,333 |
| Additional noninterest expense | $743,000 | 5,572 |
| Pre-tax net operating income | $-1,457,000 | 11,907 |
| Securities gains (losses) | $653,000 | 286 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-804,000 | 11,847 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-804,000 | 11,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-1,457,000 | 11,884 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $341,000 | 12,505 |
| Total interest expense | $212,000 | 12,314 |
| Net interest income | $129,000 | 12,551 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $144,000 | 9,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $144,000 | 6,323 |
| Total noninterest expense | $752,000 | 10,455 |
| Salaries and employee benefits | $407,000 | 10,227 |
| Premises and equipment expense | $180,000 | 7,850 |
| Additional noninterest expense | $165,000 | 11,585 |
| Pre-tax net operating income | $-499,000 | 12,384 |
| Securities gains (losses) | $10,000 | 2,219 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $-489,000 | 12,351 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-489,000 | 12,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 238 |
| Net operating income | $-499,000 | 12,360 |
* 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.