Home > Merchants & Southern Bank > Income and Expense
Merchants & Southern Bank, Income and Expense
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $3,430,000 | 1,820 |
| Total interest expense | $234,000 | 2,611 |
| Net interest income | $3,196,000 | 1,720 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $446,000 | 2,261 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $312,000 | 977 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $134,000 | 3,187 |
| Total noninterest expense | $2,539,000 | 1,873 |
| Salaries and employee benefits | $1,519,000 | 1,753 |
| Premises and equipment expense | $408,000 | 1,456 |
| Additional noninterest expense | $612,000 | 2,377 |
| Pre-tax net operating income | $1,103,000 | 1,705 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $1,103,000 | 1,457 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $1,103,000 | 1,459 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $1,103,000 | 1,459 |
| Net charge-offs | $612,000 | 288 |
| Cash dividends | $30,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $1,103,000 | 1,415 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $13,803,000 | 1,817 |
| Total interest expense | $920,000 | 2,740 |
| Net interest income | $12,883,000 | 1,706 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $1,891,000 | 2,187 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $1,276,000 | 1,036 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $615,000 | 2,999 |
| Total noninterest expense | $9,826,000 | 1,925 |
| Salaries and employee benefits | $5,568,000 | 1,852 |
| Premises and equipment expense | $1,664,000 | 1,430 |
| Additional noninterest expense | $2,594,000 | 2,333 |
| Pre-tax net operating income | $4,948,000 | 1,532 |
| Securities gains (losses) | $3,000 | 2,996 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $4,951,000 | 1,324 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $4,951,000 | 1,324 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,951,000 | 1,323 |
| Net charge-offs | $293,000 | 2,051 |
| Cash dividends | $528,000 | 2,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,948,000 | 1,292 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $10,397,000 | 1,823 |
| Total interest expense | $690,000 | 2,788 |
| Net interest income | $9,707,000 | 1,711 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $1,447,000 | 2,159 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $922,000 | 1,077 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $525,000 | 2,845 |
| Total noninterest expense | $7,471,000 | 1,900 |
| Salaries and employee benefits | $4,228,000 | 1,833 |
| Premises and equipment expense | $1,260,000 | 1,419 |
| Additional noninterest expense | $1,983,000 | 2,265 |
| Pre-tax net operating income | $3,683,000 | 1,562 |
| Securities gains (losses) | $3,000 | 2,680 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $3,686,000 | 1,316 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,686,000 | 1,316 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $3,686,000 | 1,316 |
| Net charge-offs | $589,000 | 1,021 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $3,683,000 | 1,300 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $6,987,000 | 1,800 |
| Total interest expense | $485,000 | 2,691 |
| Net interest income | $6,502,000 | 1,695 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $1,072,000 | 1,998 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $614,000 | 1,073 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $458,000 | 2,429 |
| Total noninterest expense | $5,026,000 | 1,882 |
| Salaries and employee benefits | $2,856,000 | 1,805 |
| Premises and equipment expense | $830,000 | 1,441 |
| Additional noninterest expense | $1,340,000 | 2,220 |
| Pre-tax net operating income | $2,548,000 | 1,475 |
| Securities gains (losses) | $3,000 | 2,288 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $2,551,000 | 1,240 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,551,000 | 1,239 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $2,551,000 | 1,241 |
| Net charge-offs | $707,000 | 660 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $2,548,000 | 1,217 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $3,478,000 | 1,792 |
| Total interest expense | $258,000 | 2,610 |
| Net interest income | $3,220,000 | 1,696 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $432,000 | 2,251 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $306,000 | 1,056 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $126,000 | 3,228 |
| Total noninterest expense | $2,504,000 | 1,888 |
| Salaries and employee benefits | $1,418,000 | 1,830 |
| Premises and equipment expense | $414,000 | 1,472 |
| Additional noninterest expense | $672,000 | 2,225 |
| Pre-tax net operating income | $1,148,000 | 1,574 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $1,148,000 | 1,319 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,148,000 | 1,320 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $1,148,000 | 1,321 |
| Net charge-offs | $475,000 | 522 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $1,148,000 | 1,290 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $13,443,000 | 1,856 |
| Total interest expense | $1,142,000 | 2,670 |
| Net interest income | $12,301,000 | 1,751 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $1,092,000 | 3,045 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $1,353,000 | 1,024 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-261,000 | 6,698 |
| Total noninterest expense | $10,047,000 | 1,892 |
| Salaries and employee benefits | $5,548,000 | 1,838 |
| Premises and equipment expense | $1,725,000 | 1,382 |
| Additional noninterest expense | $2,774,000 | 2,253 |
| Pre-tax net operating income | $3,346,000 | 1,983 |
| Securities gains (losses) | $158,000 | 1,038 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $3,504,000 | 1,676 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,504,000 | 1,679 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,504,000 | 1,680 |
| Net charge-offs | $953,000 | 1,315 |
| Cash dividends | $10,000 | 4,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $3,346,000 | 1,699 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $9,973,000 | 1,886 |
| Total interest expense | $868,000 | 2,718 |
| Net interest income | $9,105,000 | 1,770 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $910,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $997,000 | 1,036 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-87,000 | 6,728 |
| Total noninterest expense | $7,534,000 | 1,894 |
| Salaries and employee benefits | $4,171,000 | 1,841 |
| Premises and equipment expense | $1,321,000 | 1,365 |
| Additional noninterest expense | $2,042,000 | 2,268 |
| Pre-tax net operating income | $2,481,000 | 2,071 |
| Securities gains (losses) | $158,000 | 936 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $2,639,000 | 1,699 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,639,000 | 1,701 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,639,000 | 1,703 |
| Net charge-offs | $946,000 | 1,042 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,481,000 | 1,743 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $6,654,000 | 1,879 |
| Total interest expense | $605,000 | 2,697 |
| Net interest income | $6,049,000 | 1,771 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $480,000 | 3,364 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $662,000 | 1,024 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-182,000 | 6,846 |
| Total noninterest expense | $5,056,000 | 1,883 |
| Salaries and employee benefits | $2,792,000 | 1,847 |
| Premises and equipment expense | $887,000 | 1,345 |
| Additional noninterest expense | $1,377,000 | 2,241 |
| Pre-tax net operating income | $1,473,000 | 2,223 |
| Securities gains (losses) | $158,000 | 853 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $1,631,000 | 1,792 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,631,000 | 1,796 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,631,000 | 1,798 |
| Net charge-offs | $303,000 | 1,678 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,473,000 | 1,881 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,360,000 | 1,875 |
| Total interest expense | $322,000 | 2,634 |
| Net interest income | $3,038,000 | 1,771 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $430,000 | 2,463 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $327,000 | 1,031 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $103,000 | 3,710 |
| Total noninterest expense | $2,548,000 | 1,885 |
| Salaries and employee benefits | $1,407,000 | 1,853 |
| Premises and equipment expense | $451,000 | 1,351 |
| Additional noninterest expense | $690,000 | 2,255 |
| Pre-tax net operating income | $920,000 | 1,840 |
| Securities gains (losses) | $158,000 | 550 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $1,078,000 | 1,372 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $1,078,000 | 1,374 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $1,078,000 | 1,374 |
| Net charge-offs | $262,000 | 1,163 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $920,000 | 1,537 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $14,432,000 | 1,829 |
| Total interest expense | $1,751,000 | 2,398 |
| Net interest income | $12,681,000 | 1,736 |
| Provision for loan and lease losses | $167,000 | 4,172 |
| Total noninterest income | $681,000 | 3,936 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,368,000 | 1,050 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-687,000 | 6,965 |
| Total noninterest expense | $10,800,000 | 1,776 |
| Salaries and employee benefits | $5,760,000 | 1,757 |
| Premises and equipment expense | $1,827,000 | 1,303 |
| Additional noninterest expense | $3,213,000 | 2,023 |
| Pre-tax net operating income | $2,395,000 | 2,491 |
| Securities gains (losses) | $87,000 | 2,373 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $2,482,000 | 2,188 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,482,000 | 2,187 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,482,000 | 2,189 |
| Net charge-offs | $775,000 | 2,093 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,395,000 | 2,123 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,907,000 | 1,842 |
| Total interest expense | $1,387,000 | 2,367 |
| Net interest income | $9,520,000 | 1,751 |
| Provision for loan and lease losses | $167,000 | 3,750 |
| Total noninterest income | $840,000 | 3,078 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,000,000 | 1,072 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-160,000 | 6,961 |
| Total noninterest expense | $8,149,000 | 1,768 |
| Salaries and employee benefits | $4,391,000 | 1,710 |
| Premises and equipment expense | $1,404,000 | 1,276 |
| Additional noninterest expense | $2,354,000 | 2,076 |
| Pre-tax net operating income | $2,044,000 | 2,321 |
| Securities gains (losses) | $87,000 | 2,072 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $2,131,000 | 1,993 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,131,000 | 1,992 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,131,000 | 1,994 |
| Net charge-offs | $-90,000 | 7,020 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $2,044,000 | 1,949 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,307,000 | 1,845 |
| Total interest expense | $969,000 | 2,346 |
| Net interest income | $6,338,000 | 1,763 |
| Provision for loan and lease losses | $167,000 | 3,222 |
| Total noninterest income | $638,000 | 2,825 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $660,000 | 1,069 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-22,000 | 6,885 |
| Total noninterest expense | $5,469,000 | 1,766 |
| Salaries and employee benefits | $3,017,000 | 1,661 |
| Premises and equipment expense | $939,000 | 1,266 |
| Additional noninterest expense | $1,513,000 | 2,141 |
| Pre-tax net operating income | $1,340,000 | 2,323 |
| Securities gains (losses) | $49,000 | 2,063 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,389,000 | 2,017 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,389,000 | 2,015 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,389,000 | 2,017 |
| Net charge-offs | $302,000 | 2,318 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,340,000 | 1,965 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,644,000 | 1,864 |
| Total interest expense | $504,000 | 2,358 |
| Net interest income | $3,140,000 | 1,783 |
| Provision for loan and lease losses | $167,000 | 2,198 |
| Total noninterest income | $343,000 | 2,711 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $330,000 | 1,059 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $13,000 | 6,065 |
| Total noninterest expense | $2,712,000 | 1,779 |
| Salaries and employee benefits | $1,506,000 | 1,670 |
| Premises and equipment expense | $468,000 | 1,279 |
| Additional noninterest expense | $738,000 | 2,186 |
| Pre-tax net operating income | $604,000 | 2,513 |
| Securities gains (losses) | $49,000 | 1,234 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $653,000 | 2,116 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $653,000 | 2,116 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $653,000 | 2,118 |
| Net charge-offs | $290,000 | 1,522 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $604,000 | 2,134 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,833,000 | 1,780 |
| Total interest expense | $2,760,000 | 2,105 |
| Net interest income | $13,073,000 | 1,709 |
| Provision for loan and lease losses | $1,341,000 | 2,025 |
| Total noninterest income | $968,000 | 3,171 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,326,000 | 1,110 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-358,000 | 7,044 |
| Total noninterest expense | $10,870,000 | 1,777 |
| Salaries and employee benefits | $5,822,000 | 1,672 |
| Premises and equipment expense | $1,919,000 | 1,302 |
| Additional noninterest expense | $3,129,000 | 2,122 |
| Pre-tax net operating income | $1,830,000 | 2,665 |
| Securities gains (losses) | $3,000 | 3,591 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $1,833,000 | 2,421 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,833,000 | 2,421 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,833,000 | 2,422 |
| Net charge-offs | $3,725,000 | 1,033 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,830,000 | 2,340 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,058,000 | 1,774 |
| Total interest expense | $2,197,000 | 2,076 |
| Net interest income | $9,861,000 | 1,707 |
| Provision for loan and lease losses | $656,000 | 2,533 |
| Total noninterest income | $895,000 | 2,801 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $998,000 | 1,117 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-103,000 | 7,062 |
| Total noninterest expense | $8,082,000 | 1,795 |
| Salaries and employee benefits | $4,309,000 | 1,697 |
| Premises and equipment expense | $1,498,000 | 1,276 |
| Additional noninterest expense | $2,275,000 | 2,198 |
| Pre-tax net operating income | $2,018,000 | 2,076 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $2,018,000 | 1,819 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,018,000 | 1,819 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,018,000 | 1,819 |
| Net charge-offs | $188,000 | 3,783 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,018,000 | 1,742 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,052,000 | 1,786 |
| Total interest expense | $1,556,000 | 2,042 |
| Net interest income | $6,496,000 | 1,728 |
| Provision for loan and lease losses | $656,000 | 1,963 |
| Total noninterest income | $891,000 | 2,160 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $658,000 | 1,119 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $233,000 | 3,253 |
| Total noninterest expense | $5,531,000 | 1,763 |
| Salaries and employee benefits | $2,875,000 | 1,706 |
| Premises and equipment expense | $965,000 | 1,320 |
| Additional noninterest expense | $1,691,000 | 2,020 |
| Pre-tax net operating income | $1,200,000 | 2,232 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $1,200,000 | 1,957 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,200,000 | 1,957 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,200,000 | 1,957 |
| Net charge-offs | $141,000 | 3,483 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,200,000 | 1,886 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,026,000 | 1,789 |
| Total interest expense | $824,000 | 2,002 |
| Net interest income | $3,202,000 | 1,745 |
| Provision for loan and lease losses | $570,000 | 1,328 |
| Total noninterest income | $509,000 | 1,955 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $329,000 | 1,100 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $180,000 | 2,622 |
| Total noninterest expense | $2,687,000 | 1,832 |
| Salaries and employee benefits | $1,426,000 | 1,730 |
| Premises and equipment expense | $479,000 | 1,355 |
| Additional noninterest expense | $782,000 | 2,149 |
| Pre-tax net operating income | $454,000 | 2,739 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $454,000 | 2,426 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $454,000 | 2,425 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $454,000 | 2,426 |
| Net charge-offs | $52,000 | 3,315 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $454,000 | 2,378 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,804,000 | 1,619 |
| Total interest expense | $4,437,000 | 1,816 |
| Net interest income | $14,367,000 | 1,560 |
| Provision for loan and lease losses | $7,841,000 | 819 |
| Total noninterest income | $2,298,000 | 1,883 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,398,000 | 1,085 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $900,000 | 2,320 |
| Total noninterest expense | $12,189,000 | 1,631 |
| Salaries and employee benefits | $5,884,000 | 1,655 |
| Premises and equipment expense | $2,480,000 | 1,056 |
| Additional noninterest expense | $3,825,000 | 1,873 |
| Pre-tax net operating income | $-3,365,000 | 6,965 |
| Securities gains (losses) | $2,014,000 | 265 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,351,000 | 6,705 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,351,000 | 6,705 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,351,000 | 6,706 |
| Net charge-offs | $3,882,000 | 1,238 |
| Cash dividends | $1,689,000 | 960 |
| Sale, conversion, retirement of capital stock, net | $1,660,000 | 302 |
| Net operating income | $-3,365,000 | 7,021 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,518,000 | 1,620 |
| Total interest expense | $3,507,000 | 1,809 |
| Net interest income | $11,011,000 | 1,544 |
| Provision for loan and lease losses | $2,741,000 | 1,341 |
| Total noninterest income | $1,637,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,061,000 | 1,105 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $576,000 | 2,536 |
| Total noninterest expense | $9,624,000 | 1,540 |
| Salaries and employee benefits | $4,786,000 | 1,542 |
| Premises and equipment expense | $2,045,000 | 940 |
| Additional noninterest expense | $2,793,000 | 1,873 |
| Pre-tax net operating income | $283,000 | 4,920 |
| Securities gains (losses) | $2,009,000 | 218 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $2,292,000 | 1,452 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,292,000 | 1,455 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,292,000 | 1,455 |
| Net charge-offs | $994,000 | 2,198 |
| Cash dividends | $1,607,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $283,000 | 4,751 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,780,000 | 1,622 |
| Total interest expense | $2,424,000 | 1,819 |
| Net interest income | $7,356,000 | 1,540 |
| Provision for loan and lease losses | $221,000 | 4,082 |
| Total noninterest income | $1,079,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $713,000 | 1,094 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $366,000 | 2,539 |
| Total noninterest expense | $6,385,000 | 1,548 |
| Salaries and employee benefits | $3,206,000 | 1,538 |
| Premises and equipment expense | $1,376,000 | 954 |
| Additional noninterest expense | $1,803,000 | 1,920 |
| Pre-tax net operating income | $1,829,000 | 1,420 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $1,829,000 | 1,218 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,829,000 | 1,219 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,829,000 | 1,219 |
| Net charge-offs | $-208,000 | 7,795 |
| Cash dividends | $1,030,000 | 681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,829,000 | 1,173 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,967,000 | 1,626 |
| Total interest expense | $1,270,000 | 1,829 |
| Net interest income | $3,697,000 | 1,551 |
| Provision for loan and lease losses | $110,000 | 3,837 |
| Total noninterest income | $538,000 | 1,923 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $353,000 | 1,104 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $185,000 | 2,513 |
| Total noninterest expense | $3,223,000 | 1,559 |
| Salaries and employee benefits | $1,600,000 | 1,558 |
| Premises and equipment expense | $679,000 | 997 |
| Additional noninterest expense | $944,000 | 1,830 |
| Pre-tax net operating income | $902,000 | 1,447 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $902,000 | 1,210 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $902,000 | 1,213 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $902,000 | 1,212 |
| Net charge-offs | $-1,000 | 6,806 |
| Cash dividends | $442,000 | 771 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $902,000 | 1,184 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,586,000 | 1,661 |
| Total interest expense | $5,723,000 | 1,996 |
| Net interest income | $14,863,000 | 1,515 |
| Provision for loan and lease losses | $2,459,000 | 2,206 |
| Total noninterest income | $2,095,000 | 2,057 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,460,000 | 1,187 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $635,000 | 2,813 |
| Total noninterest expense | $11,734,000 | 1,743 |
| Salaries and employee benefits | $6,062,000 | 1,641 |
| Premises and equipment expense | $2,699,000 | 1,002 |
| Additional noninterest expense | $2,973,000 | 2,363 |
| Pre-tax net operating income | $2,765,000 | 1,442 |
| Securities gains (losses) | $755,000 | 641 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $3,520,000 | 966 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,520,000 | 964 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,520,000 | 965 |
| Net charge-offs | $782,000 | 3,208 |
| Cash dividends | $2,251,000 | 809 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $2,765,000 | 1,195 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,479,000 | 1,689 |
| Total interest expense | $4,389,000 | 2,046 |
| Net interest income | $11,090,000 | 1,516 |
| Provision for loan and lease losses | $1,409,000 | 2,297 |
| Total noninterest income | $1,600,000 | 2,067 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,094,000 | 1,185 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $506,000 | 2,798 |
| Total noninterest expense | $8,758,000 | 1,731 |
| Salaries and employee benefits | $4,430,000 | 1,704 |
| Premises and equipment expense | $2,037,000 | 1,002 |
| Additional noninterest expense | $2,291,000 | 2,272 |
| Pre-tax net operating income | $2,523,000 | 1,287 |
| Securities gains (losses) | $754,000 | 499 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $3,277,000 | 836 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $3,277,000 | 837 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $3,277,000 | 837 |
| Net charge-offs | $510,000 | 3,020 |
| Cash dividends | $1,790,000 | 719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,523,000 | 1,067 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,317,000 | 1,721 |
| Total interest expense | $2,973,000 | 2,106 |
| Net interest income | $7,344,000 | 1,527 |
| Provision for loan and lease losses | $121,000 | 5,046 |
| Total noninterest income | $1,090,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $717,000 | 1,178 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $373,000 | 2,655 |
| Total noninterest expense | $6,096,000 | 1,690 |
| Salaries and employee benefits | $3,162,000 | 1,623 |
| Premises and equipment expense | $1,337,000 | 1,058 |
| Additional noninterest expense | $1,597,000 | 2,209 |
| Pre-tax net operating income | $2,217,000 | 1,022 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $2,217,000 | 849 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,217,000 | 849 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,217,000 | 849 |
| Net charge-offs | $21,000 | 5,585 |
| Cash dividends | $1,207,000 | 742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,217,000 | 817 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,106,000 | 1,762 |
| Total interest expense | $1,498,000 | 2,182 |
| Net interest income | $3,608,000 | 1,542 |
| Provision for loan and lease losses | $206,000 | 2,812 |
| Total noninterest income | $558,000 | 1,980 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $357,000 | 1,159 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $201,000 | 2,509 |
| Total noninterest expense | $2,963,000 | 1,683 |
| Salaries and employee benefits | $1,582,000 | 1,638 |
| Premises and equipment expense | $670,000 | 1,060 |
| Additional noninterest expense | $711,000 | 2,198 |
| Pre-tax net operating income | $997,000 | 1,290 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $997,000 | 1,089 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $997,000 | 1,091 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $997,000 | 1,091 |
| Net charge-offs | $21,000 | 4,278 |
| Cash dividends | $619,000 | 701 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $997,000 | 1,009 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $21,201,000 | 1,808 |
| Total interest expense | $7,314,000 | 2,117 |
| Net interest income | $13,887,000 | 1,604 |
| Provision for loan and lease losses | $963,000 | 2,766 |
| Total noninterest income | $2,122,000 | 2,043 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,577,000 | 1,143 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $545,000 | 3,040 |
| Total noninterest expense | $10,960,000 | 1,771 |
| Salaries and employee benefits | $5,986,000 | 1,710 |
| Premises and equipment expense | $2,588,000 | 1,083 |
| Additional noninterest expense | $2,386,000 | 2,439 |
| Pre-tax net operating income | $4,086,000 | 1,341 |
| Securities gains (losses) | $-16,000 | 7,060 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $4,070,000 | 1,021 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,070,000 | 1,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $696,000 | 2,375 |
| Cash dividends | $1,263,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,086,000 | 1,085 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,975,000 | 1,839 |
| Total interest expense | $5,703,000 | 2,132 |
| Net interest income | $10,272,000 | 1,642 |
| Provision for loan and lease losses | $812,000 | 2,076 |
| Total noninterest income | $1,588,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,196,000 | 1,141 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $392,000 | 3,218 |
| Total noninterest expense | $8,233,000 | 1,758 |
| Salaries and employee benefits | $4,480,000 | 1,733 |
| Premises and equipment expense | $1,962,000 | 1,072 |
| Additional noninterest expense | $1,791,000 | 2,374 |
| Pre-tax net operating income | $2,815,000 | 1,726 |
| Securities gains (losses) | $-16,000 | 7,390 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $2,799,000 | 1,329 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,799,000 | 1,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $609,000 | 1,754 |
| Cash dividends | $1,193,000 | 1,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,815,000 | 1,394 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,729,000 | 1,854 |
| Total interest expense | $3,996,000 | 2,123 |
| Net interest income | $6,733,000 | 1,668 |
| Provision for loan and lease losses | $774,000 | 1,447 |
| Total noninterest income | $1,079,000 | 2,119 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $800,000 | 1,108 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $279,000 | 3,151 |
| Total noninterest expense | $5,399,000 | 1,783 |
| Salaries and employee benefits | $2,996,000 | 1,743 |
| Premises and equipment expense | $1,289,000 | 1,077 |
| Additional noninterest expense | $1,114,000 | 2,496 |
| Pre-tax net operating income | $1,639,000 | 2,028 |
| Securities gains (losses) | $-16,000 | 8,160 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,623,000 | 1,665 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,623,000 | 1,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $609,000 | 1,161 |
| Cash dividends | $1,122,000 | 1,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,639,000 | 1,627 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,460,000 | 1,878 |
| Total interest expense | $2,208,000 | 2,073 |
| Net interest income | $3,252,000 | 1,707 |
| Provision for loan and lease losses | $202,000 | 1,808 |
| Total noninterest income | $580,000 | 2,008 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $397,000 | 1,094 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $183,000 | 2,703 |
| Total noninterest expense | $2,675,000 | 1,787 |
| Salaries and employee benefits | $1,507,000 | 1,746 |
| Premises and equipment expense | $640,000 | 1,086 |
| Additional noninterest expense | $528,000 | 2,588 |
| Pre-tax net operating income | $955,000 | 1,865 |
| Securities gains (losses) | $-16,000 | 8,354 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $939,000 | 1,591 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $939,000 | 1,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,452 |
| Cash dividends | $622,000 | 1,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $955,000 | 1,511 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,019,000 | 1,922 |
| Total interest expense | $9,296,000 | 2,057 |
| Net interest income | $12,723,000 | 1,772 |
| Provision for loan and lease losses | $228,000 | 3,670 |
| Total noninterest income | $2,056,000 | 2,169 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,606,000 | 1,107 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $450,000 | 3,507 |
| Total noninterest expense | $10,443,000 | 1,777 |
| Salaries and employee benefits | $5,804,000 | 1,737 |
| Premises and equipment expense | $2,395,000 | 1,109 |
| Additional noninterest expense | $2,244,000 | 2,398 |
| Pre-tax net operating income | $4,108,000 | 1,942 |
| Securities gains (losses) | $7,000 | 1,467 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,115,000 | 1,543 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,115,000 | 1,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $1,824,000 | 1,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,108,000 | 1,534 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,368,000 | 1,935 |
| Total interest expense | $6,880,000 | 2,079 |
| Net interest income | $9,488,000 | 1,793 |
| Provision for loan and lease losses | $145,000 | 3,535 |
| Total noninterest income | $1,541,000 | 2,177 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,193,000 | 1,105 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $348,000 | 3,471 |
| Total noninterest expense | $8,193,000 | 1,682 |
| Salaries and employee benefits | $4,623,000 | 1,630 |
| Premises and equipment expense | $1,812,000 | 1,090 |
| Additional noninterest expense | $1,758,000 | 2,255 |
| Pre-tax net operating income | $2,691,000 | 2,297 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $2,691,000 | 1,874 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,691,000 | 1,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $1,414,000 | 1,581 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,691,000 | 1,862 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,711,000 | 1,981 |
| Total interest expense | $4,420,000 | 2,149 |
| Net interest income | $6,291,000 | 1,828 |
| Provision for loan and lease losses | $179,000 | 2,369 |
| Total noninterest income | $1,065,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $805,000 | 1,095 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $260,000 | 3,267 |
| Total noninterest expense | $5,456,000 | 1,695 |
| Salaries and employee benefits | $3,096,000 | 1,654 |
| Premises and equipment expense | $1,188,000 | 1,128 |
| Additional noninterest expense | $1,172,000 | 2,268 |
| Pre-tax net operating income | $1,721,000 | 2,428 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,721,000 | 1,996 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,721,000 | 1,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $916,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,721,000 | 1,975 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,186,000 | 2,040 |
| Total interest expense | $2,111,000 | 2,214 |
| Net interest income | $3,075,000 | 1,872 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $554,000 | 2,068 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $413,000 | 1,040 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $141,000 | 3,128 |
| Total noninterest expense | $2,666,000 | 1,734 |
| Salaries and employee benefits | $1,504,000 | 1,731 |
| Premises and equipment expense | $591,000 | 1,138 |
| Additional noninterest expense | $571,000 | 2,285 |
| Pre-tax net operating income | $943,000 | 2,266 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $943,000 | 1,807 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $943,000 | 1,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $503,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $943,000 | 1,797 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,031,000 | 2,078 |
| Total interest expense | $6,597,000 | 2,394 |
| Net interest income | $12,434,000 | 1,858 |
| Provision for loan and lease losses | $458,000 | 2,043 |
| Total noninterest income | $2,083,000 | 2,159 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,644,000 | 1,075 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $439,000 | 3,572 |
| Total noninterest expense | $9,957,000 | 1,792 |
| Salaries and employee benefits | $5,479,000 | 1,784 |
| Premises and equipment expense | $2,265,000 | 1,132 |
| Additional noninterest expense | $2,213,000 | 2,346 |
| Pre-tax net operating income | $4,102,000 | 2,221 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $4,102,000 | 1,749 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,102,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $1,983,000 | 1,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,102,000 | 1,734 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,923,000 | 2,114 |
| Total interest expense | $4,598,000 | 2,480 |
| Net interest income | $9,325,000 | 1,871 |
| Provision for loan and lease losses | $472,000 | 1,465 |
| Total noninterest income | $1,597,000 | 2,132 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,257,000 | 1,056 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $340,000 | 3,498 |
| Total noninterest expense | $7,428,000 | 1,792 |
| Salaries and employee benefits | $4,092,000 | 1,796 |
| Premises and equipment expense | $1,648,000 | 1,176 |
| Additional noninterest expense | $1,688,000 | 2,292 |
| Pre-tax net operating income | $3,022,000 | 2,315 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $3,022,000 | 1,823 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,022,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $1,441,000 | 1,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,022,000 | 1,804 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,880,000 | 2,158 |
| Total interest expense | $2,763,000 | 2,612 |
| Net interest income | $6,117,000 | 1,906 |
| Provision for loan and lease losses | $392,000 | 1,191 |
| Total noninterest income | $1,087,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $842,000 | 1,052 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $245,000 | 3,356 |
| Total noninterest expense | $4,880,000 | 1,826 |
| Salaries and employee benefits | $2,726,000 | 1,797 |
| Premises and equipment expense | $1,067,000 | 1,213 |
| Additional noninterest expense | $1,087,000 | 2,379 |
| Pre-tax net operating income | $1,932,000 | 2,374 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,932,000 | 1,893 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,932,000 | 1,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $895,000 | 1,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,932,000 | 1,877 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,160,000 | 2,248 |
| Total interest expense | $1,228,000 | 2,743 |
| Net interest income | $2,932,000 | 1,977 |
| Provision for loan and lease losses | $225,000 | 1,018 |
| Total noninterest income | $560,000 | 2,035 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $426,000 | 1,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $134,000 | 3,182 |
| Total noninterest expense | $2,394,000 | 1,860 |
| Salaries and employee benefits | $1,354,000 | 1,825 |
| Premises and equipment expense | $526,000 | 1,234 |
| Additional noninterest expense | $514,000 | 2,487 |
| Pre-tax net operating income | $873,000 | 2,525 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $873,000 | 2,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $873,000 | 2,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $396,000 | 1,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $873,000 | 2,010 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,648,000 | 2,421 |
| Total interest expense | $3,061,000 | 3,276 |
| Net interest income | $10,587,000 | 2,098 |
| Provision for loan and lease losses | $347,000 | 2,542 |
| Total noninterest income | $2,400,000 | 1,932 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,733,000 | 1,017 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $667,000 | 2,853 |
| Total noninterest expense | $9,255,000 | 1,832 |
| Salaries and employee benefits | $5,230,000 | 1,780 |
| Premises and equipment expense | $2,001,000 | 1,232 |
| Additional noninterest expense | $2,024,000 | 2,462 |
| Pre-tax net operating income | $3,385,000 | 2,509 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $3,385,000 | 2,027 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,385,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $1,467,000 | 1,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,385,000 | 2,001 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,794,000 | 2,473 |
| Total interest expense | $2,106,000 | 3,376 |
| Net interest income | $7,688,000 | 2,137 |
| Provision for loan and lease losses | $256,000 | 2,503 |
| Total noninterest income | $1,850,000 | 1,894 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,297,000 | 1,017 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $553,000 | 2,689 |
| Total noninterest expense | $6,851,000 | 1,837 |
| Salaries and employee benefits | $3,859,000 | 1,796 |
| Premises and equipment expense | $1,513,000 | 1,205 |
| Additional noninterest expense | $1,479,000 | 2,488 |
| Pre-tax net operating income | $2,431,000 | 2,627 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $2,431,000 | 2,116 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,431,000 | 2,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $1,042,000 | 1,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,431,000 | 2,078 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,279,000 | 2,497 |
| Total interest expense | $1,295,000 | 3,436 |
| Net interest income | $4,984,000 | 2,171 |
| Provision for loan and lease losses | $181,000 | 2,297 |
| Total noninterest income | $1,236,000 | 1,884 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $840,000 | 1,025 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $396,000 | 2,562 |
| Total noninterest expense | $4,549,000 | 1,822 |
| Salaries and employee benefits | $2,550,000 | 1,798 |
| Premises and equipment expense | $1,004,000 | 1,201 |
| Additional noninterest expense | $995,000 | 2,445 |
| Pre-tax net operating income | $1,490,000 | 2,768 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,490,000 | 2,242 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,490,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $617,000 | 1,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,490,000 | 2,208 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 2,570 |
| Total interest expense | $612,000 | 3,464 |
| Net interest income | $2,388,000 | 2,254 |
| Provision for loan and lease losses | $86,000 | 2,322 |
| Total noninterest income | $611,000 | 1,851 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $399,000 | 1,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $212,000 | 2,395 |
| Total noninterest expense | $2,211,000 | 1,878 |
| Salaries and employee benefits | $1,263,000 | 1,827 |
| Premises and equipment expense | $494,000 | 1,220 |
| Additional noninterest expense | $454,000 | 2,669 |
| Pre-tax net operating income | $702,000 | 2,856 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $702,000 | 2,328 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $702,000 | 2,329 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $262,000 | 1,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $702,000 | 2,284 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,546,000 | 2,680 |
| Total interest expense | $1,710,000 | 4,121 |
| Net interest income | $8,836,000 | 2,309 |
| Provision for loan and lease losses | $97,000 | 5,064 |
| Total noninterest income | $2,423,000 | 1,916 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,767,000 | 1,002 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $656,000 | 2,830 |
| Total noninterest expense | $8,466,000 | 1,903 |
| Salaries and employee benefits | $4,776,000 | 1,837 |
| Premises and equipment expense | $1,921,000 | 1,194 |
| Additional noninterest expense | $1,769,000 | 2,693 |
| Pre-tax net operating income | $2,696,000 | 2,817 |
| Securities gains (losses) | $4,000 | 3,277 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $2,700,000 | 2,267 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,700,000 | 2,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $1,154,000 | 2,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,696,000 | 2,218 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,682,000 | 2,734 |
| Total interest expense | $1,187,000 | 4,318 |
| Net interest income | $6,495,000 | 2,321 |
| Provision for loan and lease losses | $70,000 | 4,912 |
| Total noninterest income | $1,867,000 | 1,880 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,340,000 | 990 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $527,000 | 2,709 |
| Total noninterest expense | $6,330,000 | 1,893 |
| Salaries and employee benefits | $3,555,000 | 1,831 |
| Premises and equipment expense | $1,464,000 | 1,181 |
| Additional noninterest expense | $1,311,000 | 2,685 |
| Pre-tax net operating income | $1,962,000 | 2,930 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,965,000 | 2,358 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,965,000 | 2,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $858,000 | 1,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,962,000 | 2,305 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,998,000 | 2,788 |
| Total interest expense | $761,000 | 4,423 |
| Net interest income | $4,237,000 | 2,359 |
| Provision for loan and lease losses | $42,000 | 4,959 |
| Total noninterest income | $1,242,000 | 1,870 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $896,000 | 971 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $346,000 | 2,746 |
| Total noninterest expense | $4,264,000 | 1,873 |
| Salaries and employee benefits | $2,380,000 | 1,833 |
| Premises and equipment expense | $986,000 | 1,178 |
| Additional noninterest expense | $898,000 | 2,625 |
| Pre-tax net operating income | $1,173,000 | 3,167 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,176,000 | 2,571 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,176,000 | 2,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $575,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,173,000 | 2,512 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,469,000 | 2,829 |
| Total interest expense | $380,000 | 4,467 |
| Net interest income | $2,089,000 | 2,392 |
| Provision for loan and lease losses | $16,000 | 5,025 |
| Total noninterest income | $645,000 | 1,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $451,000 | 929 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $194,000 | 2,516 |
| Total noninterest expense | $2,157,000 | 1,859 |
| Salaries and employee benefits | $1,184,000 | 1,854 |
| Premises and equipment expense | $482,000 | 1,210 |
| Additional noninterest expense | $491,000 | 2,404 |
| Pre-tax net operating income | $561,000 | 3,247 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $564,000 | 2,658 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $564,000 | 2,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $337,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $561,000 | 2,580 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,312,000 | 3,019 |
| Total interest expense | $1,650,000 | 4,599 |
| Net interest income | $7,662,000 | 2,515 |
| Provision for loan and lease losses | $175,000 | 4,313 |
| Total noninterest income | $2,800,000 | 1,781 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,883,000 | 916 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $917,000 | 2,522 |
| Total noninterest expense | $7,711,000 | 2,050 |
| Salaries and employee benefits | $4,404,000 | 1,949 |
| Premises and equipment expense | $1,653,000 | 1,380 |
| Additional noninterest expense | $1,654,000 | 2,821 |
| Pre-tax net operating income | $2,576,000 | 2,824 |
| Securities gains (losses) | $179,000 | 1,416 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,755,000 | 2,203 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,755,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $992,000 | 2,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,576,000 | 2,213 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,883,000 | 3,100 |
| Total interest expense | $1,268,000 | 4,645 |
| Net interest income | $5,615,000 | 2,592 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $2,219,000 | 1,749 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,426,000 | 912 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $793,000 | 2,384 |
| Total noninterest expense | $5,853,000 | 2,023 |
| Salaries and employee benefits | $3,323,000 | 1,937 |
| Premises and equipment expense | $1,244,000 | 1,383 |
| Additional noninterest expense | $1,286,000 | 2,727 |
| Pre-tax net operating income | $1,891,000 | 2,959 |
| Securities gains (losses) | $179,000 | 1,298 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,070,000 | 2,263 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,070,000 | 2,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $773,000 | 2,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,891,000 | 2,327 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,608,000 | 3,108 |
| Total interest expense | $874,000 | 4,662 |
| Net interest income | $3,734,000 | 2,598 |
| Provision for loan and lease losses | $76,000 | 4,378 |
| Total noninterest income | $1,549,000 | 1,674 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $949,000 | 897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $600,000 | 2,192 |
| Total noninterest expense | $3,982,000 | 1,979 |
| Salaries and employee benefits | $2,297,000 | 1,866 |
| Premises and equipment expense | $818,000 | 1,404 |
| Additional noninterest expense | $867,000 | 2,692 |
| Pre-tax net operating income | $1,225,000 | 3,036 |
| Securities gains (losses) | $-17,000 | 9,095 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,208,000 | 2,563 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,208,000 | 2,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $490,000 | 2,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,225,000 | 2,377 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,364,000 | 3,056 |
| Total interest expense | $455,000 | 4,633 |
| Net interest income | $1,909,000 | 2,540 |
| Provision for loan and lease losses | $46,000 | 3,791 |
| Total noninterest income | $773,000 | 1,631 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $463,000 | 888 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $310,000 | 2,069 |
| Total noninterest expense | $1,970,000 | 1,992 |
| Salaries and employee benefits | $1,138,000 | 1,874 |
| Premises and equipment expense | $404,000 | 1,434 |
| Additional noninterest expense | $428,000 | 2,690 |
| Pre-tax net operating income | $666,000 | 2,849 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $667,000 | 2,296 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $667,000 | 2,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $251,000 | 1,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $666,000 | 2,177 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,531,000 | 3,145 |
| Total interest expense | $2,093,000 | 4,651 |
| Net interest income | $7,438,000 | 2,575 |
| Provision for loan and lease losses | $200,000 | 4,344 |
| Total noninterest income | $2,757,000 | 1,654 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,877,000 | 858 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $880,000 | 2,356 |
| Total noninterest expense | $7,372,000 | 2,038 |
| Salaries and employee benefits | $4,119,000 | 1,947 |
| Premises and equipment expense | $1,579,000 | 1,392 |
| Additional noninterest expense | $1,674,000 | 2,701 |
| Pre-tax net operating income | $2,623,000 | 2,786 |
| Securities gains (losses) | $92,000 | 1,828 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,715,000 | 2,203 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,715,000 | 2,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $1,220,000 | 1,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,623,000 | 2,189 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,002,000 | 3,647 |
| Total interest expense | $2,703,000 | 5,118 |
| Net interest income | $6,299,000 | 2,818 |
| Provision for loan and lease losses | $142,000 | 4,903 |
| Total noninterest income | $2,490,000 | 1,690 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,725,000 | 854 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $765,000 | 2,454 |
| Total noninterest expense | $6,574,000 | 2,190 |
| Salaries and employee benefits | $3,447,000 | 2,174 |
| Premises and equipment expense | $1,534,000 | 1,391 |
| Additional noninterest expense | $1,593,000 | 2,728 |
| Pre-tax net operating income | $2,073,000 | 3,102 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $2,073,000 | 2,443 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,073,000 | 2,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $1,251,000 | 1,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,073,000 | 2,365 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,585,000 | 3,904 |
| Total interest expense | $2,816,000 | 5,160 |
| Net interest income | $5,769,000 | 3,060 |
| Provision for loan and lease losses | $22,000 | 7,551 |
| Total noninterest income | $2,605,000 | 1,532 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,614,000 | 835 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $991,000 | 1,870 |
| Total noninterest expense | $6,693,000 | 2,059 |
| Salaries and employee benefits | $3,509,000 | 2,027 |
| Premises and equipment expense | $1,418,000 | 1,470 |
| Additional noninterest expense | $1,766,000 | 2,430 |
| Pre-tax net operating income | $1,659,000 | 3,779 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,659,000 | 2,996 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,659,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $811,000 | 2,634 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,659,000 | 2,986 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,436,000 | 4,181 |
| Total interest expense | $2,165,000 | 5,706 |
| Net interest income | $5,271,000 | 3,294 |
| Provision for loan and lease losses | $132,000 | 4,547 |
| Total noninterest income | $3,202,000 | 1,285 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,542,000 | 857 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,660,000 | 1,312 |
| Total noninterest expense | $6,933,000 | 1,975 |
| Salaries and employee benefits | $3,672,000 | 1,905 |
| Premises and equipment expense | $1,352,000 | 1,519 |
| Additional noninterest expense | $1,909,000 | 2,291 |
| Pre-tax net operating income | $1,408,000 | 4,281 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,408,000 | 3,403 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,408,000 | 3,402 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,730 |
| Cash dividends | $522,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,408,000 | 3,367 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,931,000 | 4,433 |
| Total interest expense | $2,233,000 | 5,778 |
| Net interest income | $4,698,000 | 3,607 |
| Provision for loan and lease losses | $57,000 | 6,384 |
| Total noninterest income | $2,666,000 | 1,473 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,321,000 | 938 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,345,000 | 1,503 |
| Total noninterest expense | $5,945,000 | 2,198 |
| Salaries and employee benefits | $3,076,000 | 2,195 |
| Premises and equipment expense | $1,226,000 | 1,603 |
| Additional noninterest expense | $1,643,000 | 2,546 |
| Pre-tax net operating income | $1,362,000 | 4,469 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,371,000 | 3,510 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,371,000 | 3,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-46,000 | 10,088 |
| Cash dividends | $934,000 | 2,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,362,000 | 3,433 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,006,000 | 5,073 |
| Total interest expense | $2,041,000 | 6,187 |
| Net interest income | $3,965,000 | 4,270 |
| Provision for loan and lease losses | $5,000 | 8,640 |
| Total noninterest income | $2,083,000 | 1,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,249,000 | 1,004 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $834,000 | 1,977 |
| Total noninterest expense | $4,871,000 | 2,638 |
| Salaries and employee benefits | $2,363,000 | 2,801 |
| Premises and equipment expense | $1,163,000 | 1,678 |
| Additional noninterest expense | $1,345,000 | 3,011 |
| Pre-tax net operating income | $1,172,000 | 5,310 |
| Securities gains (losses) | $-14,000 | 10,204 |
| Applicable income taxes | $-7,000 | 10,505 |
| Income before extraordinary items | $1,165,000 | 4,157 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,165,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $540,000 | 3,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,179,000 | 4,055 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,752,000 | 5,335 |
| Total interest expense | $2,053,000 | 6,309 |
| Net interest income | $3,699,000 | 4,613 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $2,001,000 | 1,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,033,000 | 1,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $968,000 | 1,858 |
| Total noninterest expense | $4,474,000 | 3,030 |
| Salaries and employee benefits | $1,831,000 | 3,614 |
| Premises and equipment expense | $934,000 | 2,136 |
| Additional noninterest expense | $1,709,000 | 2,803 |
| Pre-tax net operating income | $1,176,000 | 5,195 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $373,000 | 5,113 |
| Income before extraordinary items | $802,000 | 5,300 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $802,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 10,855 |
| Cash dividends | $28,000 | 7,926 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $802,680 | 5,231 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,399,000 | 5,663 |
| Total interest expense | $2,041,000 | 6,371 |
| Net interest income | $3,358,000 | 5,038 |
| Provision for loan and lease losses | $29,000 | 7,212 |
| Total noninterest income | $1,731,000 | 2,056 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $984,000 | 1,385 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $747,000 | 2,205 |
| Total noninterest expense | $4,113,000 | 3,232 |
| Salaries and employee benefits | $1,637,000 | 3,964 |
| Premises and equipment expense | $873,000 | 2,299 |
| Additional noninterest expense | $1,603,000 | 2,918 |
| Pre-tax net operating income | $947,000 | 6,205 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $305,000 | 5,940 |
| Income before extraordinary items | $642,000 | 6,365 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $642,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,500 |
| Cash dividends | $320,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $642,000 | 6,350 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,587,000 | 6,060 |
| Total interest expense | $1,416,000 | 7,158 |
| Net interest income | $3,171,000 | 5,364 |
| Provision for loan and lease losses | $67,000 | 5,416 |
| Total noninterest income | $1,408,000 | 2,424 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $944,000 | 1,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $464,000 | 3,096 |
| Total noninterest expense | $3,794,000 | 3,582 |
| Salaries and employee benefits | $1,343,000 | 4,745 |
| Premises and equipment expense | $768,000 | 2,619 |
| Additional noninterest expense | $1,683,000 | 2,996 |
| Pre-tax net operating income | $718,000 | 7,293 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $236,000 | 6,740 |
| Income before extraordinary items | $482,000 | 7,448 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $482,000 | 7,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,828 |
| Cash dividends | $364,000 | 3,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $482,000 | 7,490 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,263,000 | 6,560 |
| Total interest expense | $1,388,000 | 7,587 |
| Net interest income | $2,875,000 | 5,841 |
| Provision for loan and lease losses | $175,000 | 4,260 |
| Total noninterest income | $1,492,000 | 2,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,070,000 | 1,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $422,000 | 3,631 |
| Total noninterest expense | $3,406,000 | 4,018 |
| Salaries and employee benefits | $1,276,000 | 4,966 |
| Premises and equipment expense | $691,000 | 2,920 |
| Additional noninterest expense | $1,439,000 | 3,623 |
| Pre-tax net operating income | $786,000 | 6,883 |
| Securities gains (losses) | $205,000 | 1,669 |
| Applicable income taxes | $348,000 | 5,524 |
| Income before extraordinary items | $643,000 | 6,473 |
| Extraordinary gains, net | $-47,000 | 12,706 |
| Net income | $596,000 | 6,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 3,502 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $509,750 | 7,227 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,403,000 | 7,012 |
| Total interest expense | $1,720,000 | 7,842 |
| Net interest income | $2,683,000 | 6,252 |
| Provision for loan and lease losses | $304,000 | 4,081 |
| Total noninterest income | $1,323,000 | 2,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,030,000 | 1,294 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $293,000 | 4,496 |
| Total noninterest expense | $3,359,000 | 4,087 |
| Salaries and employee benefits | $1,555,000 | 4,082 |
| Premises and equipment expense | $640,000 | 3,158 |
| Additional noninterest expense | $1,164,000 | 4,464 |
| Pre-tax net operating income | $343,000 | 9,757 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $152,000 | 8,570 |
| Income before extraordinary items | $221,000 | 10,307 |
| Extraordinary gains, net | $124,000 | 636 |
| Net income | $345,000 | 8,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 3,447 |
| Cash dividends | $153,000 | 5,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $201,800 | 10,243 |
* 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.