Mfsb, Income and Expense
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 3,807 |
| Total interest expense | $484,000 | 3,193 |
| Net interest income | $3,315,000 | 3,841 |
| Provision for loan and lease losses | $5,000 | 4,109 |
| Total noninterest income | $479,000 | 3,750 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $217,000 | 3,012 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $262,000 | 3,764 |
| Total noninterest expense | $3,402,000 | 3,398 |
| Salaries and employee benefits | $1,842,000 | 3,429 |
| Premises and equipment expense | $292,000 | 3,840 |
| Additional noninterest expense | $1,268,000 | 3,085 |
| Pre-tax net operating income | $387,000 | 4,865 |
| Securities gains (losses) | $6,000 | 2,746 |
| Applicable income taxes | $54,000 | 3,535 |
| Income before extraordinary items | $339,000 | 4,881 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $339,000 | 4,881 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $339,000 | 4,881 |
| Net charge-offs | $38,000 | 2,761 |
| Cash dividends | $76,000 | 3,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $333,840 | 4,855 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $2,375,000 | 3,951 |
| Total interest expense | $317,000 | 3,236 |
| Net interest income | $2,058,000 | 4,010 |
| Provision for loan and lease losses | $5,000 | 3,906 |
| Total noninterest income | $310,000 | 3,788 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $142,000 | 3,036 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $168,000 | 3,839 |
| Total noninterest expense | $2,224,000 | 3,453 |
| Salaries and employee benefits | $1,219,000 | 3,468 |
| Premises and equipment expense | $180,000 | 4,016 |
| Additional noninterest expense | $825,000 | 3,161 |
| Pre-tax net operating income | $139,000 | 5,318 |
| Securities gains (losses) | $6,000 | 2,403 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $145,000 | 5,253 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $145,000 | 5,253 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $145,000 | 5,253 |
| Net charge-offs | $4,000 | 3,372 |
| Cash dividends | $76,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $139,000 | 5,217 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 4,025 |
| Total interest expense | $155,000 | 3,301 |
| Net interest income | $1,004,000 | 4,066 |
| Provision for loan and lease losses | $5,000 | 3,471 |
| Total noninterest income | $148,000 | 3,842 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $66,000 | 3,163 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $82,000 | 3,834 |
| Total noninterest expense | $1,092,000 | 3,505 |
| Salaries and employee benefits | $583,000 | 3,588 |
| Premises and equipment expense | $89,000 | 4,074 |
| Additional noninterest expense | $420,000 | 3,117 |
| Pre-tax net operating income | $55,000 | 5,432 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $55,000 | 5,411 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $55,000 | 5,411 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $55,000 | 5,411 |
| Net charge-offs | $-8,000 | 5,076 |
| Cash dividends | $52,000 | 2,622 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $55,000 | 5,355 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $4,586,000 | 4,039 |
| Total interest expense | $576,000 | 3,466 |
| Net interest income | $4,010,000 | 4,068 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $666,000 | 3,727 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $328,000 | 2,863 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $338,000 | 3,818 |
| Total noninterest expense | $4,064,000 | 3,676 |
| Salaries and employee benefits | $2,167,000 | 3,735 |
| Premises and equipment expense | $340,000 | 4,235 |
| Additional noninterest expense | $1,557,000 | 3,323 |
| Pre-tax net operating income | $612,000 | 4,728 |
| Securities gains (losses) | $24,000 | 2,130 |
| Applicable income taxes | $73,000 | 3,482 |
| Income before extraordinary items | $563,000 | 4,692 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $563,000 | 4,694 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $563,000 | 4,694 |
| Net charge-offs | $319,000 | 1,548 |
| Cash dividends | $274,000 | 3,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $541,640 | 4,692 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $3,442,000 | 4,078 |
| Total interest expense | $431,000 | 3,521 |
| Net interest income | $3,011,000 | 4,102 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $505,000 | 3,717 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $248,000 | 2,863 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $257,000 | 3,830 |
| Total noninterest expense | $3,019,000 | 3,716 |
| Salaries and employee benefits | $1,608,000 | 3,769 |
| Premises and equipment expense | $253,000 | 4,300 |
| Additional noninterest expense | $1,158,000 | 3,355 |
| Pre-tax net operating income | $497,000 | 4,747 |
| Securities gains (losses) | $21,000 | 1,989 |
| Applicable income taxes | $69,000 | 3,472 |
| Income before extraordinary items | $449,000 | 4,709 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $449,000 | 4,712 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $449,000 | 4,713 |
| Net charge-offs | $219,000 | 1,467 |
| Cash dividends | $207,000 | 3,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $430,730 | 4,702 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,328,000 | 4,063 |
| Total interest expense | $294,000 | 3,501 |
| Net interest income | $2,034,000 | 4,098 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $330,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $158,000 | 2,929 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $172,000 | 3,851 |
| Total noninterest expense | $2,022,000 | 3,745 |
| Salaries and employee benefits | $1,077,000 | 3,796 |
| Premises and equipment expense | $167,000 | 4,334 |
| Additional noninterest expense | $778,000 | 3,352 |
| Pre-tax net operating income | $342,000 | 4,681 |
| Securities gains (losses) | $5,000 | 2,231 |
| Applicable income taxes | $48,000 | 3,471 |
| Income before extraordinary items | $299,000 | 4,703 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $299,000 | 4,705 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $299,000 | 4,706 |
| Net charge-offs | $98,000 | 1,750 |
| Cash dividends | $144,000 | 3,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $294,700 | 4,657 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,195,000 | 4,023 |
| Total interest expense | $147,000 | 3,524 |
| Net interest income | $1,048,000 | 4,050 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $157,000 | 3,832 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $75,000 | 2,985 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $82,000 | 3,882 |
| Total noninterest expense | $1,015,000 | 3,761 |
| Salaries and employee benefits | $552,000 | 3,782 |
| Premises and equipment expense | $89,000 | 4,259 |
| Additional noninterest expense | $374,000 | 3,431 |
| Pre-tax net operating income | $190,000 | 4,509 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $32,000 | 3,292 |
| Income before extraordinary items | $158,000 | 4,627 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $158,000 | 4,629 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $158,000 | 4,631 |
| Net charge-offs | $21,000 | 2,091 |
| Cash dividends | $72,000 | 2,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $158,000 | 4,551 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $4,695,000 | 4,109 |
| Total interest expense | $611,000 | 3,590 |
| Net interest income | $4,084,000 | 4,142 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $721,000 | 3,655 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $370,000 | 2,818 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $351,000 | 3,806 |
| Total noninterest expense | $4,092,000 | 3,781 |
| Salaries and employee benefits | $2,227,000 | 3,767 |
| Premises and equipment expense | $324,000 | 4,536 |
| Additional noninterest expense | $1,541,000 | 3,488 |
| Pre-tax net operating income | $713,000 | 4,630 |
| Securities gains (losses) | $1,000 | 3,149 |
| Applicable income taxes | $120,000 | 3,287 |
| Income before extraordinary items | $594,000 | 4,713 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $594,000 | 4,713 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $594,000 | 4,713 |
| Net charge-offs | $73,000 | 3,459 |
| Cash dividends | $445,000 | 2,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $593,170 | 4,669 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $3,499,000 | 4,165 |
| Total interest expense | $459,000 | 3,646 |
| Net interest income | $3,040,000 | 4,201 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $547,000 | 3,669 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $282,000 | 2,826 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $265,000 | 3,819 |
| Total noninterest expense | $3,083,000 | 3,786 |
| Salaries and employee benefits | $1,667,000 | 3,784 |
| Premises and equipment expense | $245,000 | 4,560 |
| Additional noninterest expense | $1,171,000 | 3,469 |
| Pre-tax net operating income | $504,000 | 4,789 |
| Securities gains (losses) | $1,000 | 2,871 |
| Applicable income taxes | $72,000 | 3,473 |
| Income before extraordinary items | $433,000 | 4,826 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $433,000 | 4,826 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $433,000 | 4,827 |
| Net charge-offs | $18,000 | 3,882 |
| Cash dividends | $375,000 | 2,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $432,140 | 4,784 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,337,000 | 4,181 |
| Total interest expense | $302,000 | 3,719 |
| Net interest income | $2,035,000 | 4,195 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $360,000 | 3,688 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $184,000 | 2,860 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $176,000 | 3,828 |
| Total noninterest expense | $2,072,000 | 3,788 |
| Salaries and employee benefits | $1,109,000 | 3,802 |
| Premises and equipment expense | $162,000 | 4,626 |
| Additional noninterest expense | $801,000 | 3,404 |
| Pre-tax net operating income | $323,000 | 4,809 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $46,000 | 3,470 |
| Income before extraordinary items | $277,000 | 4,851 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $277,000 | 4,852 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $277,000 | 4,853 |
| Net charge-offs | $-19,000 | 5,867 |
| Cash dividends | $322,000 | 2,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $277,000 | 4,793 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 4,112 |
| Total interest expense | $149,000 | 3,798 |
| Net interest income | $1,059,000 | 4,107 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $173,000 | 3,723 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $84,000 | 3,004 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $89,000 | 3,740 |
| Total noninterest expense | $1,040,000 | 3,811 |
| Salaries and employee benefits | $562,000 | 3,816 |
| Premises and equipment expense | $89,000 | 4,483 |
| Additional noninterest expense | $389,000 | 3,478 |
| Pre-tax net operating income | $192,000 | 4,531 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $33,000 | 3,235 |
| Income before extraordinary items | $159,000 | 4,602 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $159,000 | 4,605 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $159,000 | 4,605 |
| Net charge-offs | $-6,000 | 5,539 |
| Cash dividends | $250,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $159,000 | 4,552 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $4,913,000 | 4,123 |
| Total interest expense | $786,000 | 3,489 |
| Net interest income | $4,127,000 | 4,194 |
| Provision for loan and lease losses | $40,000 | 4,399 |
| Total noninterest income | $883,000 | 3,442 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $440,000 | 2,626 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $443,000 | 3,520 |
| Total noninterest expense | $4,128,000 | 3,842 |
| Salaries and employee benefits | $2,086,000 | 3,973 |
| Premises and equipment expense | $320,000 | 4,705 |
| Additional noninterest expense | $1,722,000 | 3,310 |
| Pre-tax net operating income | $842,000 | 4,345 |
| Securities gains (losses) | $10,000 | 2,629 |
| Applicable income taxes | $147,000 | 3,167 |
| Income before extraordinary items | $705,000 | 4,455 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $705,000 | 4,459 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $705,000 | 4,459 |
| Net charge-offs | $31,000 | 4,626 |
| Cash dividends | $250,000 | 3,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $696,700 | 4,404 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,712,000 | 4,134 |
| Total interest expense | $611,000 | 3,494 |
| Net interest income | $3,101,000 | 4,227 |
| Provision for loan and lease losses | $40,000 | 4,137 |
| Total noninterest income | $677,000 | 3,454 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $333,000 | 2,628 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $344,000 | 3,541 |
| Total noninterest expense | $3,126,000 | 3,847 |
| Salaries and employee benefits | $1,598,000 | 3,945 |
| Premises and equipment expense | $248,000 | 4,666 |
| Additional noninterest expense | $1,280,000 | 3,332 |
| Pre-tax net operating income | $612,000 | 4,471 |
| Securities gains (losses) | $10,000 | 2,497 |
| Applicable income taxes | $108,000 | 3,261 |
| Income before extraordinary items | $514,000 | 4,561 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $514,000 | 4,565 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $514,000 | 4,566 |
| Net charge-offs | $0 | 5,212 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $505,700 | 4,506 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,509,000 | 4,110 |
| Total interest expense | $420,000 | 3,484 |
| Net interest income | $2,089,000 | 4,192 |
| Provision for loan and lease losses | $40,000 | 3,782 |
| Total noninterest income | $448,000 | 3,502 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $219,000 | 2,620 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $229,000 | 3,576 |
| Total noninterest expense | $2,076,000 | 3,873 |
| Salaries and employee benefits | $1,047,000 | 4,011 |
| Premises and equipment expense | $168,000 | 4,646 |
| Additional noninterest expense | $861,000 | 3,325 |
| Pre-tax net operating income | $421,000 | 4,405 |
| Securities gains (losses) | $10,000 | 2,282 |
| Applicable income taxes | $71,000 | 3,253 |
| Income before extraordinary items | $360,000 | 4,496 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $360,000 | 4,498 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $360,000 | 4,499 |
| Net charge-offs | $0 | 4,909 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $351,600 | 4,423 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,285,000 | 4,084 |
| Total interest expense | $218,000 | 3,490 |
| Net interest income | $1,067,000 | 4,159 |
| Provision for loan and lease losses | $30,000 | 3,174 |
| Total noninterest income | $237,000 | 3,383 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $104,000 | 2,709 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $133,000 | 3,353 |
| Total noninterest expense | $1,057,000 | 3,861 |
| Salaries and employee benefits | $532,000 | 4,005 |
| Premises and equipment expense | $82,000 | 4,729 |
| Additional noninterest expense | $443,000 | 3,262 |
| Pre-tax net operating income | $217,000 | 4,353 |
| Securities gains (losses) | $10,000 | 1,481 |
| Applicable income taxes | $32,000 | 3,314 |
| Income before extraordinary items | $195,000 | 4,316 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $195,000 | 4,319 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $195,000 | 4,318 |
| Net charge-offs | $-11,000 | 6,232 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $186,400 | 4,293 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,249,000 | 4,190 |
| Total interest expense | $1,181,000 | 3,238 |
| Net interest income | $4,068,000 | 4,368 |
| Provision for loan and lease losses | $150,000 | 4,271 |
| Total noninterest income | $878,000 | 3,484 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $477,000 | 2,585 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $401,000 | 3,629 |
| Total noninterest expense | $4,063,000 | 3,989 |
| Salaries and employee benefits | $1,994,000 | 4,141 |
| Premises and equipment expense | $294,000 | 5,015 |
| Additional noninterest expense | $1,775,000 | 3,375 |
| Pre-tax net operating income | $733,000 | 4,453 |
| Securities gains (losses) | $35,000 | 2,941 |
| Applicable income taxes | $197,000 | 3,023 |
| Income before extraordinary items | $571,000 | 4,759 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $571,000 | 4,762 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $571,000 | 4,763 |
| Net charge-offs | $626,000 | 2,359 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $545,100 | 4,642 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 4,238 |
| Total interest expense | $913,000 | 3,280 |
| Net interest income | $3,066,000 | 4,422 |
| Provision for loan and lease losses | $120,000 | 4,163 |
| Total noninterest income | $638,000 | 3,577 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $342,000 | 2,693 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $296,000 | 3,720 |
| Total noninterest expense | $3,100,000 | 3,969 |
| Salaries and employee benefits | $1,514,000 | 4,123 |
| Premises and equipment expense | $231,000 | 4,973 |
| Additional noninterest expense | $1,355,000 | 3,363 |
| Pre-tax net operating income | $484,000 | 4,747 |
| Securities gains (losses) | $35,000 | 2,632 |
| Applicable income taxes | $153,000 | 3,049 |
| Income before extraordinary items | $366,000 | 5,100 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $366,000 | 5,098 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $366,000 | 5,098 |
| Net charge-offs | $485,000 | 2,234 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $341,150 | 4,989 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,669,000 | 4,250 |
| Total interest expense | $626,000 | 3,311 |
| Net interest income | $2,043,000 | 4,428 |
| Provision for loan and lease losses | $80,000 | 4,103 |
| Total noninterest income | $374,000 | 3,788 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $212,000 | 2,827 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $162,000 | 3,960 |
| Total noninterest expense | $2,059,000 | 4,001 |
| Salaries and employee benefits | $982,000 | 4,219 |
| Premises and equipment expense | $147,000 | 5,096 |
| Additional noninterest expense | $930,000 | 3,314 |
| Pre-tax net operating income | $278,000 | 4,933 |
| Securities gains (losses) | $36,000 | 2,248 |
| Applicable income taxes | $98,000 | 3,068 |
| Income before extraordinary items | $216,000 | 5,247 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $216,000 | 5,247 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $216,000 | 5,247 |
| Net charge-offs | $188,000 | 2,824 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $191,160 | 5,184 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,352,000 | 4,254 |
| Total interest expense | $328,000 | 3,313 |
| Net interest income | $1,024,000 | 4,445 |
| Provision for loan and lease losses | $50,000 | 3,648 |
| Total noninterest income | $168,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $95,000 | 3,050 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $73,000 | 4,160 |
| Total noninterest expense | $1,027,000 | 4,035 |
| Salaries and employee benefits | $473,000 | 4,349 |
| Premises and equipment expense | $75,000 | 5,094 |
| Additional noninterest expense | $479,000 | 3,207 |
| Pre-tax net operating income | $115,000 | 5,253 |
| Securities gains (losses) | $35,000 | 1,381 |
| Applicable income taxes | $50,000 | 3,068 |
| Income before extraordinary items | $100,000 | 5,358 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $100,000 | 5,359 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $100,000 | 5,359 |
| Net charge-offs | $117,000 | 2,319 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $76,550 | 5,500 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,586,000 | 4,265 |
| Total interest expense | $1,493,000 | 3,463 |
| Net interest income | $4,093,000 | 4,484 |
| Provision for loan and lease losses | $820,000 | 2,707 |
| Total noninterest income | $589,000 | 4,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 6,974 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $589,000 | 2,882 |
| Total noninterest expense | $3,968,000 | 4,132 |
| Salaries and employee benefits | $2,050,000 | 4,119 |
| Premises and equipment expense | $653,000 | 3,356 |
| Additional noninterest expense | $1,265,000 | 4,307 |
| Pre-tax net operating income | $-106,000 | 6,143 |
| Securities gains (losses) | $5,000 | 3,498 |
| Applicable income taxes | $-33,000 | 6,690 |
| Income before extraordinary items | $-68,000 | 6,244 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-68,000 | 6,246 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-68,000 | 6,247 |
| Net charge-offs | $1,055,000 | 2,298 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-71,350 | 6,145 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,161,000 | 4,336 |
| Total interest expense | $1,144,000 | 3,531 |
| Net interest income | $3,017,000 | 4,547 |
| Provision for loan and lease losses | $670,000 | 2,506 |
| Total noninterest income | $374,000 | 4,449 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $374,000 | 3,146 |
| Total noninterest expense | $2,938,000 | 4,171 |
| Salaries and employee benefits | $1,530,000 | 4,134 |
| Premises and equipment expense | $500,000 | 3,348 |
| Additional noninterest expense | $908,000 | 4,423 |
| Pre-tax net operating income | $-217,000 | 6,405 |
| Securities gains (losses) | $5,000 | 3,216 |
| Applicable income taxes | $-70,000 | 6,964 |
| Income before extraordinary items | $-142,000 | 6,457 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-142,000 | 6,461 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-142,000 | 6,460 |
| Net charge-offs | $537,000 | 2,585 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-145,350 | 6,383 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 4,397 |
| Total interest expense | $778,000 | 3,576 |
| Net interest income | $1,974,000 | 4,619 |
| Provision for loan and lease losses | $515,000 | 2,273 |
| Total noninterest income | $218,000 | 4,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $218,000 | 3,355 |
| Total noninterest expense | $1,927,000 | 4,265 |
| Salaries and employee benefits | $1,015,000 | 4,168 |
| Premises and equipment expense | $328,000 | 3,425 |
| Additional noninterest expense | $584,000 | 4,604 |
| Pre-tax net operating income | $-250,000 | 6,608 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-83,000 | 7,084 |
| Income before extraordinary items | $-167,000 | 6,590 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-167,000 | 6,590 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-167,000 | 6,590 |
| Net charge-offs | $342,000 | 2,537 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-167,000 | 6,553 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,351,000 | 4,463 |
| Total interest expense | $400,000 | 3,607 |
| Net interest income | $951,000 | 4,722 |
| Provision for loan and lease losses | $500,000 | 1,414 |
| Total noninterest income | $110,000 | 4,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $110,000 | 3,402 |
| Total noninterest expense | $982,000 | 4,225 |
| Salaries and employee benefits | $517,000 | 4,136 |
| Premises and equipment expense | $169,000 | 3,407 |
| Additional noninterest expense | $296,000 | 4,567 |
| Pre-tax net operating income | $-421,000 | 7,041 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-140,000 | 7,335 |
| Income before extraordinary items | $-281,000 | 6,972 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-281,000 | 6,972 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-281,000 | 6,972 |
| Net charge-offs | $303,000 | 1,743 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-281,000 | 6,955 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,977,000 | 4,334 |
| Total interest expense | $1,888,000 | 3,711 |
| Net interest income | $4,089,000 | 4,524 |
| Provision for loan and lease losses | $2,140,000 | 1,985 |
| Total noninterest income | $355,000 | 5,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $355,000 | 3,700 |
| Total noninterest expense | $4,009,000 | 4,215 |
| Salaries and employee benefits | $1,929,000 | 4,337 |
| Premises and equipment expense | $664,000 | 3,450 |
| Additional noninterest expense | $1,416,000 | 4,159 |
| Pre-tax net operating income | $-1,705,000 | 6,697 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-525,000 | 7,178 |
| Income before extraordinary items | $-1,180,000 | 6,652 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,180,000 | 6,652 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,180,000 | 6,653 |
| Net charge-offs | $1,893,000 | 1,926 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,180,000 | 6,621 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,530,000 | 4,398 |
| Total interest expense | $1,450,000 | 3,786 |
| Net interest income | $3,080,000 | 4,559 |
| Provision for loan and lease losses | $1,460,000 | 2,011 |
| Total noninterest income | $311,000 | 4,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $311,000 | 3,501 |
| Total noninterest expense | $2,958,000 | 4,281 |
| Salaries and employee benefits | $1,430,000 | 4,410 |
| Premises and equipment expense | $508,000 | 3,445 |
| Additional noninterest expense | $1,020,000 | 4,253 |
| Pre-tax net operating income | $-1,027,000 | 6,802 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-299,000 | 7,279 |
| Income before extraordinary items | $-728,000 | 6,786 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-728,000 | 6,787 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-728,000 | 6,787 |
| Net charge-offs | $1,905,000 | 1,551 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-728,000 | 6,740 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,018,000 | 4,431 |
| Total interest expense | $995,000 | 3,820 |
| Net interest income | $2,023,000 | 4,613 |
| Provision for loan and lease losses | $1,310,000 | 1,655 |
| Total noninterest income | $252,000 | 4,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $252,000 | 3,116 |
| Total noninterest expense | $1,973,000 | 4,281 |
| Salaries and employee benefits | $931,000 | 4,486 |
| Premises and equipment expense | $326,000 | 3,581 |
| Additional noninterest expense | $716,000 | 4,080 |
| Pre-tax net operating income | $-1,008,000 | 7,016 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-304,000 | 7,401 |
| Income before extraordinary items | $-704,000 | 6,963 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-704,000 | 6,963 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-704,000 | 6,963 |
| Net charge-offs | $863,000 | 1,873 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-704,000 | 6,929 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,555,000 | 4,391 |
| Total interest expense | $498,000 | 3,938 |
| Net interest income | $1,057,000 | 4,505 |
| Provision for loan and lease losses | $90,000 | 4,075 |
| Total noninterest income | $128,000 | 4,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $128,000 | 3,092 |
| Total noninterest expense | $943,000 | 4,454 |
| Salaries and employee benefits | $447,000 | 4,667 |
| Premises and equipment expense | $179,000 | 3,404 |
| Additional noninterest expense | $317,000 | 4,435 |
| Pre-tax net operating income | $152,000 | 4,536 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $51,000 | 2,776 |
| Income before extraordinary items | $101,000 | 4,958 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $101,000 | 4,959 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $101,000 | 4,958 |
| Net charge-offs | $88,000 | 3,218 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $101,000 | 4,849 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,014,000 | 4,174 |
| Total interest expense | $2,678,000 | 3,723 |
| Net interest income | $4,336,000 | 4,340 |
| Provision for loan and lease losses | $1,611,000 | 2,780 |
| Total noninterest income | $539,000 | 4,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $539,000 | 3,083 |
| Total noninterest expense | $4,116,000 | 4,256 |
| Salaries and employee benefits | $1,824,000 | 4,639 |
| Premises and equipment expense | $951,000 | 2,694 |
| Additional noninterest expense | $1,341,000 | 4,410 |
| Pre-tax net operating income | $-852,000 | 6,199 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-287,000 | 6,851 |
| Income before extraordinary items | $-565,000 | 6,122 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-565,000 | 6,122 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-565,000 | 6,122 |
| Net charge-offs | $341,000 | 4,324 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-565,000 | 6,127 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,316,000 | 4,195 |
| Total interest expense | $2,126,000 | 3,699 |
| Net interest income | $3,190,000 | 4,410 |
| Provision for loan and lease losses | $1,021,000 | 2,753 |
| Total noninterest income | $400,000 | 4,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $400,000 | 3,187 |
| Total noninterest expense | $3,148,000 | 4,219 |
| Salaries and employee benefits | $1,340,000 | 4,714 |
| Premises and equipment expense | $782,000 | 2,517 |
| Additional noninterest expense | $1,026,000 | 4,298 |
| Pre-tax net operating income | $-579,000 | 6,392 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-196,000 | 7,092 |
| Income before extraordinary items | $-383,000 | 6,314 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-383,000 | 6,315 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-383,000 | 6,314 |
| Net charge-offs | $211,000 | 4,189 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-383,000 | 6,313 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,553,000 | 4,224 |
| Total interest expense | $1,480,000 | 3,711 |
| Net interest income | $2,073,000 | 4,479 |
| Provision for loan and lease losses | $318,000 | 3,610 |
| Total noninterest income | $268,000 | 4,665 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $268,000 | 3,177 |
| Total noninterest expense | $2,188,000 | 4,117 |
| Salaries and employee benefits | $874,000 | 4,832 |
| Premises and equipment expense | $593,000 | 2,296 |
| Additional noninterest expense | $721,000 | 4,188 |
| Pre-tax net operating income | $-165,000 | 6,213 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-54,000 | 7,021 |
| Income before extraordinary items | $-111,000 | 6,209 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-111,000 | 6,208 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-111,000 | 6,208 |
| Net charge-offs | $174,000 | 3,604 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-111,000 | 6,176 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 4,258 |
| Total interest expense | $758,000 | 3,743 |
| Net interest income | $1,025,000 | 4,508 |
| Provision for loan and lease losses | $198,000 | 2,883 |
| Total noninterest income | $119,000 | 4,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $119,000 | 3,373 |
| Total noninterest expense | $1,019,000 | 4,255 |
| Salaries and employee benefits | $424,000 | 4,962 |
| Premises and equipment expense | $259,000 | 2,609 |
| Additional noninterest expense | $336,000 | 4,071 |
| Pre-tax net operating income | $-73,000 | 6,566 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-24,000 | 7,294 |
| Income before extraordinary items | $-49,000 | 6,653 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-49,000 | 6,654 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-49,000 | 6,654 |
| Net charge-offs | $49,000 | 3,571 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-49,000 | 6,542 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,662,000 | 4,247 |
| Total interest expense | $3,388,000 | 3,917 |
| Net interest income | $4,274,000 | 4,373 |
| Provision for loan and lease losses | $311,000 | 4,567 |
| Total noninterest income | $580,000 | 4,546 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $580,000 | 2,943 |
| Total noninterest expense | $3,856,000 | 4,354 |
| Salaries and employee benefits | $1,851,000 | 4,705 |
| Premises and equipment expense | $919,000 | 2,823 |
| Additional noninterest expense | $1,086,000 | 4,580 |
| Pre-tax net operating income | $687,000 | 4,426 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $231,000 | 2,676 |
| Income before extraordinary items | $456,000 | 4,592 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $456,000 | 4,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 4,078 |
| Cash dividends | $1,200,000 | 2,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $456,000 | 4,755 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,715,000 | 4,330 |
| Total interest expense | $2,599,000 | 3,978 |
| Net interest income | $3,116,000 | 4,505 |
| Provision for loan and lease losses | $202,000 | 4,192 |
| Total noninterest income | $440,000 | 4,629 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $440,000 | 3,018 |
| Total noninterest expense | $2,867,000 | 4,365 |
| Salaries and employee benefits | $1,404,000 | 4,687 |
| Premises and equipment expense | $689,000 | 2,845 |
| Additional noninterest expense | $774,000 | 4,641 |
| Pre-tax net operating income | $487,000 | 4,971 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $164,000 | 3,133 |
| Income before extraordinary items | $323,000 | 5,120 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $323,000 | 5,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,383 |
| Cash dividends | $1,200,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $323,000 | 5,286 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 4,375 |
| Total interest expense | $1,792,000 | 4,021 |
| Net interest income | $2,035,000 | 4,565 |
| Provision for loan and lease losses | $121,000 | 3,961 |
| Total noninterest income | $291,000 | 4,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $291,000 | 3,081 |
| Total noninterest expense | $1,893,000 | 4,417 |
| Salaries and employee benefits | $931,000 | 4,746 |
| Premises and equipment expense | $459,000 | 2,855 |
| Additional noninterest expense | $503,000 | 4,714 |
| Pre-tax net operating income | $312,000 | 5,216 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $106,000 | 3,393 |
| Income before extraordinary items | $206,000 | 5,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $206,000 | 5,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,008 |
| Cash dividends | $1,200,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $206,000 | 5,506 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,931,000 | 4,421 |
| Total interest expense | $922,000 | 4,121 |
| Net interest income | $1,009,000 | 4,590 |
| Provision for loan and lease losses | $50,000 | 3,776 |
| Total noninterest income | $140,000 | 4,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $140,000 | 3,158 |
| Total noninterest expense | $930,000 | 4,464 |
| Salaries and employee benefits | $467,000 | 4,776 |
| Premises and equipment expense | $235,000 | 2,800 |
| Additional noninterest expense | $228,000 | 4,974 |
| Pre-tax net operating income | $169,000 | 5,260 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $58,000 | 3,403 |
| Income before extraordinary items | $111,000 | 5,701 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $111,000 | 5,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,569 |
| Cash dividends | $1,200,000 | 627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $111,000 | 5,602 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,051,000 | 4,348 |
| Total interest expense | $3,839,000 | 4,110 |
| Net interest income | $4,212,000 | 4,479 |
| Provision for loan and lease losses | $128,000 | 4,529 |
| Total noninterest income | $620,000 | 4,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $620,000 | 2,957 |
| Total noninterest expense | $3,486,000 | 4,534 |
| Salaries and employee benefits | $1,843,000 | 4,670 |
| Premises and equipment expense | $831,000 | 2,989 |
| Additional noninterest expense | $812,000 | 5,298 |
| Pre-tax net operating income | $1,218,000 | 4,325 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $408,000 | 3,001 |
| Income before extraordinary items | $810,000 | 4,780 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $810,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,697 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $810,000 | 4,753 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,019,000 | 4,366 |
| Total interest expense | $2,860,000 | 4,131 |
| Net interest income | $3,159,000 | 4,505 |
| Provision for loan and lease losses | $77,000 | 4,543 |
| Total noninterest income | $458,000 | 4,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $458,000 | 2,987 |
| Total noninterest expense | $2,524,000 | 4,630 |
| Salaries and employee benefits | $1,358,000 | 4,690 |
| Premises and equipment expense | $609,000 | 3,034 |
| Additional noninterest expense | $557,000 | 5,524 |
| Pre-tax net operating income | $1,016,000 | 4,319 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $342,000 | 3,012 |
| Income before extraordinary items | $674,000 | 4,761 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $674,000 | 4,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,281 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $674,000 | 4,747 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,987,000 | 4,408 |
| Total interest expense | $1,859,000 | 4,204 |
| Net interest income | $2,128,000 | 4,510 |
| Provision for loan and lease losses | $48,000 | 4,431 |
| Total noninterest income | $292,000 | 4,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $292,000 | 3,058 |
| Total noninterest expense | $1,631,000 | 4,751 |
| Salaries and employee benefits | $896,000 | 4,772 |
| Premises and equipment expense | $404,000 | 3,076 |
| Additional noninterest expense | $331,000 | 5,842 |
| Pre-tax net operating income | $741,000 | 4,191 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $250,000 | 2,962 |
| Income before extraordinary items | $491,000 | 4,583 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $491,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,747 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $491,000 | 4,580 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,975,000 | 4,431 |
| Total interest expense | $917,000 | 4,217 |
| Net interest income | $1,058,000 | 4,525 |
| Provision for loan and lease losses | $23,000 | 4,237 |
| Total noninterest income | $144,000 | 4,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $144,000 | 3,096 |
| Total noninterest expense | $802,000 | 4,798 |
| Salaries and employee benefits | $445,000 | 4,817 |
| Premises and equipment expense | $192,000 | 3,217 |
| Additional noninterest expense | $165,000 | 5,838 |
| Pre-tax net operating income | $377,000 | 4,133 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $126,000 | 2,972 |
| Income before extraordinary items | $251,000 | 4,543 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $251,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $251,000 | 4,533 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,412,000 | 4,404 |
| Total interest expense | $3,304,000 | 4,073 |
| Net interest income | $4,108,000 | 4,587 |
| Provision for loan and lease losses | $107,000 | 4,641 |
| Total noninterest income | $679,000 | 4,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $679,000 | 2,809 |
| Total noninterest expense | $3,259,000 | 4,618 |
| Salaries and employee benefits | $1,720,000 | 4,761 |
| Premises and equipment expense | $791,000 | 3,038 |
| Additional noninterest expense | $748,000 | 5,444 |
| Pre-tax net operating income | $1,421,000 | 4,414 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $475,000 | 3,223 |
| Income before extraordinary items | $946,000 | 4,830 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $946,000 | 4,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,461 |
| Cash dividends | $412,000 | 4,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $946,000 | 4,818 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,374,000 | 4,489 |
| Total interest expense | $2,331,000 | 4,144 |
| Net interest income | $3,043,000 | 4,647 |
| Provision for loan and lease losses | $85,000 | 4,435 |
| Total noninterest income | $529,000 | 4,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $529,000 | 2,769 |
| Total noninterest expense | $2,408,000 | 4,658 |
| Salaries and employee benefits | $1,279,000 | 4,762 |
| Premises and equipment expense | $578,000 | 3,097 |
| Additional noninterest expense | $551,000 | 5,486 |
| Pre-tax net operating income | $1,079,000 | 4,562 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $361,000 | 3,324 |
| Income before extraordinary items | $718,000 | 4,955 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $718,000 | 4,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,902 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $718,000 | 4,946 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,487,000 | 4,521 |
| Total interest expense | $1,464,000 | 4,181 |
| Net interest income | $2,023,000 | 4,686 |
| Provision for loan and lease losses | $57,000 | 4,319 |
| Total noninterest income | $325,000 | 4,530 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $325,000 | 2,871 |
| Total noninterest expense | $1,587,000 | 4,705 |
| Salaries and employee benefits | $851,000 | 4,803 |
| Premises and equipment expense | $400,000 | 2,997 |
| Additional noninterest expense | $336,000 | 5,731 |
| Pre-tax net operating income | $704,000 | 4,622 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $235,000 | 3,405 |
| Income before extraordinary items | $469,000 | 5,043 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $469,000 | 5,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,324 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $469,000 | 5,028 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,704,000 | 4,541 |
| Total interest expense | $692,000 | 4,204 |
| Net interest income | $1,012,000 | 4,679 |
| Provision for loan and lease losses | $29,000 | 4,163 |
| Total noninterest income | $161,000 | 4,484 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $161,000 | 2,841 |
| Total noninterest expense | $769,000 | 4,815 |
| Salaries and employee benefits | $412,000 | 4,912 |
| Premises and equipment expense | $184,000 | 3,207 |
| Additional noninterest expense | $173,000 | 5,628 |
| Pre-tax net operating income | $375,000 | 4,425 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $125,000 | 3,281 |
| Income before extraordinary items | $250,000 | 4,861 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $250,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 1,804 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $250,000 | 4,842 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,314,000 | 4,473 |
| Total interest expense | $2,238,000 | 4,108 |
| Net interest income | $4,076,000 | 4,567 |
| Provision for loan and lease losses | $339,000 | 2,586 |
| Total noninterest income | $1,018,000 | 3,519 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,018,000 | 2,188 |
| Total noninterest expense | $3,121,000 | 4,641 |
| Salaries and employee benefits | $1,706,000 | 4,648 |
| Premises and equipment expense | $753,000 | 3,052 |
| Additional noninterest expense | $662,000 | 5,756 |
| Pre-tax net operating income | $1,634,000 | 4,183 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $548,000 | 3,216 |
| Income before extraordinary items | $1,086,000 | 4,606 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,086,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,333 |
| Cash dividends | $897,000 | 2,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,086,000 | 4,563 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,608,000 | 4,510 |
| Total interest expense | $1,589,000 | 4,136 |
| Net interest income | $3,019,000 | 4,615 |
| Provision for loan and lease losses | $287,000 | 2,270 |
| Total noninterest income | $818,000 | 3,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $818,000 | 2,089 |
| Total noninterest expense | $2,256,000 | 4,726 |
| Salaries and employee benefits | $1,228,000 | 4,756 |
| Premises and equipment expense | $563,000 | 3,040 |
| Additional noninterest expense | $465,000 | 5,924 |
| Pre-tax net operating income | $1,294,000 | 4,129 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $434,000 | 3,190 |
| Income before extraordinary items | $860,000 | 4,571 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $860,000 | 4,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,990 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $860,000 | 4,530 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 4,524 |
| Total interest expense | $1,004,000 | 4,114 |
| Net interest income | $1,981,000 | 4,652 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $288,000 | 4,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $288,000 | 3,146 |
| Total noninterest expense | $1,451,000 | 4,838 |
| Salaries and employee benefits | $791,000 | 4,844 |
| Premises and equipment expense | $363,000 | 3,091 |
| Additional noninterest expense | $297,000 | 6,030 |
| Pre-tax net operating income | $761,000 | 4,403 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $253,000 | 3,394 |
| Income before extraordinary items | $508,000 | 4,855 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $508,000 | 4,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,276 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $508,000 | 4,803 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 4,574 |
| Total interest expense | $479,000 | 4,140 |
| Net interest income | $979,000 | 4,692 |
| Provision for loan and lease losses | $21,000 | 4,581 |
| Total noninterest income | $123,000 | 5,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $123,000 | 3,343 |
| Total noninterest expense | $726,000 | 4,861 |
| Salaries and employee benefits | $394,000 | 4,896 |
| Premises and equipment expense | $187,000 | 3,046 |
| Additional noninterest expense | $145,000 | 6,118 |
| Pre-tax net operating income | $355,000 | 4,560 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $118,000 | 3,499 |
| Income before extraordinary items | $237,000 | 4,999 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $237,000 | 4,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $237,000 | 4,960 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,794,000 | 4,372 |
| Total interest expense | $1,709,000 | 4,127 |
| Net interest income | $4,085,000 | 4,415 |
| Provision for loan and lease losses | $82,000 | 5,293 |
| Total noninterest income | $496,000 | 5,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $496,000 | 3,322 |
| Total noninterest expense | $2,733,000 | 4,988 |
| Salaries and employee benefits | $1,581,000 | 4,758 |
| Premises and equipment expense | $576,000 | 3,651 |
| Additional noninterest expense | $576,000 | 6,119 |
| Pre-tax net operating income | $1,766,000 | 3,839 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $587,000 | 3,068 |
| Income before extraordinary items | $1,179,000 | 4,244 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,179,000 | 4,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,396 |
| Cash dividends | $404,000 | 3,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,179,000 | 4,183 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,285,000 | 4,386 |
| Total interest expense | $1,241,000 | 4,176 |
| Net interest income | $3,044,000 | 4,418 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $365,000 | 5,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $365,000 | 3,364 |
| Total noninterest expense | $1,965,000 | 5,092 |
| Salaries and employee benefits | $1,126,000 | 4,897 |
| Premises and equipment expense | $417,000 | 3,761 |
| Additional noninterest expense | $422,000 | 6,153 |
| Pre-tax net operating income | $1,399,000 | 3,751 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $466,000 | 3,027 |
| Income before extraordinary items | $933,000 | 4,172 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $933,000 | 4,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,669 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $933,000 | 4,105 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,821,000 | 4,439 |
| Total interest expense | $798,000 | 4,296 |
| Net interest income | $2,023,000 | 4,434 |
| Provision for loan and lease losses | $25,000 | 5,618 |
| Total noninterest income | $249,000 | 5,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $249,000 | 3,327 |
| Total noninterest expense | $1,273,000 | 5,226 |
| Salaries and employee benefits | $732,000 | 5,006 |
| Premises and equipment expense | $272,000 | 3,821 |
| Additional noninterest expense | $269,000 | 6,305 |
| Pre-tax net operating income | $974,000 | 3,594 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $325,000 | 2,933 |
| Income before extraordinary items | $649,000 | 4,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $649,000 | 4,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,038 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $649,000 | 3,949 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 4,483 |
| Total interest expense | $394,000 | 4,384 |
| Net interest income | $1,009,000 | 4,445 |
| Provision for loan and lease losses | $16,000 | 5,025 |
| Total noninterest income | $122,000 | 5,292 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $122,000 | 3,315 |
| Total noninterest expense | $637,000 | 5,234 |
| Salaries and employee benefits | $358,000 | 5,107 |
| Premises and equipment expense | $134,000 | 3,902 |
| Additional noninterest expense | $145,000 | 6,107 |
| Pre-tax net operating income | $478,000 | 3,642 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $160,000 | 2,979 |
| Income before extraordinary items | $318,000 | 4,123 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $318,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,425 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $318,000 | 3,978 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,742,000 | 4,425 |
| Total interest expense | $1,833,000 | 4,288 |
| Net interest income | $3,909,000 | 4,429 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $451,000 | 5,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $451,000 | 3,757 |
| Total noninterest expense | $2,460,000 | 5,274 |
| Salaries and employee benefits | $1,423,000 | 5,029 |
| Premises and equipment expense | $495,000 | 4,092 |
| Additional noninterest expense | $542,000 | 6,298 |
| Pre-tax net operating income | $1,816,000 | 3,617 |
| Securities gains (losses) | $-114,000 | 9,033 |
| Applicable income taxes | $566,000 | 3,167 |
| Income before extraordinary items | $1,136,000 | 4,277 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,136,000 | 4,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,709 |
| Cash dividends | $364,000 | 4,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,212,380 | 3,947 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,324,000 | 4,469 |
| Total interest expense | $1,399,000 | 4,362 |
| Net interest income | $2,925,000 | 4,463 |
| Provision for loan and lease losses | $76,000 | 5,192 |
| Total noninterest income | $344,000 | 5,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $344,000 | 3,808 |
| Total noninterest expense | $1,791,000 | 5,354 |
| Salaries and employee benefits | $1,017,000 | 5,193 |
| Premises and equipment expense | $374,000 | 4,053 |
| Additional noninterest expense | $400,000 | 6,337 |
| Pre-tax net operating income | $1,402,000 | 3,661 |
| Securities gains (losses) | $-114,000 | 9,128 |
| Applicable income taxes | $428,000 | 3,310 |
| Income before extraordinary items | $860,000 | 4,416 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $860,000 | 4,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,181 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $936,380 | 3,985 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,884,000 | 4,507 |
| Total interest expense | $955,000 | 4,397 |
| Net interest income | $1,929,000 | 4,501 |
| Provision for loan and lease losses | $66,000 | 4,590 |
| Total noninterest income | $227,000 | 5,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $227,000 | 3,795 |
| Total noninterest expense | $1,160,000 | 5,452 |
| Salaries and employee benefits | $667,000 | 5,263 |
| Premises and equipment expense | $250,000 | 4,043 |
| Additional noninterest expense | $243,000 | 6,617 |
| Pre-tax net operating income | $930,000 | 3,677 |
| Securities gains (losses) | $-5,000 | 8,994 |
| Applicable income taxes | $308,000 | 3,199 |
| Income before extraordinary items | $617,000 | 4,209 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $617,000 | 4,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,226 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $620,350 | 3,997 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,444,000 | 4,528 |
| Total interest expense | $489,000 | 4,405 |
| Net interest income | $955,000 | 4,531 |
| Provision for loan and lease losses | $41,000 | 4,084 |
| Total noninterest income | $110,000 | 5,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $568,000 | 5,532 |
| Salaries and employee benefits | $328,000 | 5,324 |
| Premises and equipment expense | $128,000 | 3,967 |
| Additional noninterest expense | $112,000 | 6,838 |
| Pre-tax net operating income | $456,000 | 3,715 |
| Securities gains (losses) | $-5,000 | 9,108 |
| Applicable income taxes | $150,000 | 3,221 |
| Income before extraordinary items | $301,000 | 4,232 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $301,000 | 4,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $304,350 | 4,015 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,164,000 | 4,477 |
| Total interest expense | $2,448,000 | 4,166 |
| Net interest income | $3,716,000 | 4,571 |
| Provision for loan and lease losses | $144,000 | 5,017 |
| Total noninterest income | $426,000 | 5,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $426,000 | 3,586 |
| Total noninterest expense | $2,426,000 | 5,181 |
| Salaries and employee benefits | $1,286,000 | 5,229 |
| Premises and equipment expense | $495,000 | 3,959 |
| Additional noninterest expense | $645,000 | 5,681 |
| Pre-tax net operating income | $1,572,000 | 3,993 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $526,000 | 3,361 |
| Income before extraordinary items | $1,051,000 | 4,457 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,051,000 | 4,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,273 |
| Cash dividends | $216,000 | 4,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,047,650 | 4,359 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 4,713 |
| Total interest expense | $3,341,000 | 4,350 |
| Net interest income | $3,100,000 | 4,944 |
| Provision for loan and lease losses | $59,000 | 6,506 |
| Total noninterest income | $387,000 | 5,766 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $387,000 | 3,604 |
| Total noninterest expense | $2,146,000 | 5,485 |
| Salaries and employee benefits | $1,120,000 | 5,583 |
| Premises and equipment expense | $495,000 | 3,905 |
| Additional noninterest expense | $531,000 | 6,257 |
| Pre-tax net operating income | $1,282,000 | 4,264 |
| Securities gains (losses) | $-34,000 | 9,411 |
| Applicable income taxes | $390,000 | 3,789 |
| Income before extraordinary items | $858,000 | 4,692 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $858,000 | 4,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,793 |
| Cash dividends | $479,000 | 3,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $881,460 | 4,518 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,353,000 | 4,898 |
| Total interest expense | $3,545,000 | 4,346 |
| Net interest income | $2,808,000 | 5,391 |
| Provision for loan and lease losses | $27,000 | 7,347 |
| Total noninterest income | $327,000 | 6,078 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $327,000 | 3,739 |
| Total noninterest expense | $2,020,000 | 5,652 |
| Salaries and employee benefits | $1,057,000 | 5,706 |
| Premises and equipment expense | $476,000 | 3,942 |
| Additional noninterest expense | $487,000 | 6,525 |
| Pre-tax net operating income | $1,088,000 | 5,033 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $360,000 | 4,219 |
| Income before extraordinary items | $728,000 | 5,315 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $728,000 | 5,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $88,000 | 6,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $728,000 | 5,318 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,723,000 | 5,111 |
| Total interest expense | $3,021,000 | 4,575 |
| Net interest income | $2,702,000 | 5,537 |
| Provision for loan and lease losses | $17,000 | 7,804 |
| Total noninterest income | $265,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $265,000 | 4,313 |
| Total noninterest expense | $1,887,000 | 5,893 |
| Salaries and employee benefits | $987,000 | 5,948 |
| Premises and equipment expense | $443,000 | 4,184 |
| Additional noninterest expense | $457,000 | 6,843 |
| Pre-tax net operating income | $1,063,000 | 5,121 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $353,000 | 4,451 |
| Income before extraordinary items | $710,000 | 5,415 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $710,000 | 5,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $79,000 | 6,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $710,000 | 5,386 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,574,000 | 5,254 |
| Total interest expense | $3,092,000 | 4,608 |
| Net interest income | $2,482,000 | 5,879 |
| Provision for loan and lease losses | $2,000 | 8,582 |
| Total noninterest income | $213,000 | 7,426 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $213,000 | 4,806 |
| Total noninterest expense | $1,677,000 | 6,271 |
| Salaries and employee benefits | $888,000 | 6,262 |
| Premises and equipment expense | $391,000 | 4,506 |
| Additional noninterest expense | $398,000 | 7,234 |
| Pre-tax net operating income | $1,016,000 | 5,362 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $321,000 | 4,993 |
| Income before extraordinary items | $695,000 | 5,641 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $695,000 | 5,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $69,000 | 6,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $695,000 | 5,527 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 5,614 |
| Total interest expense | $3,040,000 | 4,656 |
| Net interest income | $2,185,000 | 6,562 |
| Provision for loan and lease losses | $59,000 | 6,382 |
| Total noninterest income | $151,000 | 8,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $151,000 | 5,664 |
| Total noninterest expense | $1,441,000 | 6,937 |
| Salaries and employee benefits | $746,000 | 7,047 |
| Premises and equipment expense | $351,000 | 4,886 |
| Additional noninterest expense | $344,000 | 7,861 |
| Pre-tax net operating income | $836,000 | 6,389 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $282,000 | 5,899 |
| Income before extraordinary items | $554,000 | 6,645 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $554,000 | 6,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $109,000 | 6,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $554,000 | 6,589 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,836,000 | 6,082 |
| Total interest expense | $2,727,000 | 5,187 |
| Net interest income | $2,109,000 | 6,937 |
| Provision for loan and lease losses | $23,000 | 7,847 |
| Total noninterest income | $108,000 | 9,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $108,000 | 6,916 |
| Total noninterest expense | $1,597,000 | 6,851 |
| Salaries and employee benefits | $615,000 | 8,037 |
| Premises and equipment expense | $268,000 | 5,987 |
| Additional noninterest expense | $714,000 | 5,663 |
| Pre-tax net operating income | $597,000 | 7,435 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $199,000 | 7,154 |
| Income before extraordinary items | $398,000 | 7,639 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $398,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $398,000 | 7,575 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,399,000 | 6,566 |
| Total interest expense | $2,570,000 | 5,439 |
| Net interest income | $1,829,000 | 7,696 |
| Provision for loan and lease losses | $23,000 | 7,541 |
| Total noninterest income | $138,000 | 9,513 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $138,000 | 6,215 |
| Total noninterest expense | $1,181,000 | 8,269 |
| Salaries and employee benefits | $575,000 | 8,530 |
| Premises and equipment expense | $247,000 | 6,404 |
| Additional noninterest expense | $359,000 | 8,604 |
| Pre-tax net operating income | $763,000 | 6,990 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $278,000 | 6,270 |
| Income before extraordinary items | $484,000 | 7,373 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $484,000 | 7,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $51,000 | 7,725 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $484,640 | 7,330 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 6,973 |
| Total interest expense | $2,050,000 | 5,496 |
| Net interest income | $1,720,000 | 8,250 |
| Provision for loan and lease losses | $4,000 | 8,908 |
| Total noninterest income | $79,000 | 11,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $1,049,000 | 9,165 |
| Salaries and employee benefits | $480,000 | 9,570 |
| Premises and equipment expense | $228,000 | 6,906 |
| Additional noninterest expense | $341,000 | 9,459 |
| Pre-tax net operating income | $746,000 | 7,153 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $249,000 | 6,553 |
| Income before extraordinary items | $497,000 | 7,345 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $497,000 | 7,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $497,000 | 7,372 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,471,000 | 7,573 |
| Total interest expense | $1,864,000 | 6,167 |
| Net interest income | $1,607,000 | 8,778 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $104,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $104,000 | 7,749 |
| Total noninterest expense | $914,000 | 10,135 |
| Salaries and employee benefits | $410,000 | 10,534 |
| Premises and equipment expense | $221,000 | 7,269 |
| Additional noninterest expense | $283,000 | 10,655 |
| Pre-tax net operating income | $797,000 | 6,827 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $249,000 | 6,818 |
| Income before extraordinary items | $548,000 | 7,159 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $548,000 | 7,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $86,000 | 7,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $548,000 | 6,912 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,669,000 | 7,952 |
| Total interest expense | $2,162,000 | 6,720 |
| Net interest income | $1,507,000 | 9,247 |
| Provision for loan and lease losses | $28,000 | 10,112 |
| Total noninterest income | $59,000 | 12,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $59,000 | 9,852 |
| Total noninterest expense | $869,000 | 10,669 |
| Salaries and employee benefits | $368,000 | 11,241 |
| Premises and equipment expense | $208,000 | 7,656 |
| Additional noninterest expense | $293,000 | 10,932 |
| Pre-tax net operating income | $669,000 | 7,278 |
| Securities gains (losses) | $26,000 | 5,197 |
| Applicable income taxes | $235,000 | 6,910 |
| Income before extraordinary items | $460,000 | 7,652 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $460,000 | 7,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $442,840 | 7,455 |
* 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.