Home > Mojave Desert Bank > Income and Expense
Mojave Desert Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 4,986 |
| Total interest expense | $79,000 | 6,891 |
| Net interest income | $3,750,000 | 4,578 |
| Provision for loan and lease losses | $40,000 | 5,302 |
| Total noninterest income | $1,223,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $676,000 | 1,964 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $547,000 | 3,226 |
| Total noninterest expense | $4,902,000 | 3,520 |
| Salaries and employee benefits | $1,946,000 | 4,200 |
| Premises and equipment expense | $455,000 | 4,039 |
| Additional noninterest expense | $2,501,000 | 2,567 |
| Pre-tax net operating income | $31,000 | 6,086 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $31,000 | 6,239 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $31,000 | 6,233 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $31,000 | 6,235 |
| Net charge-offs | $69,000 | 4,709 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $31,000 | 6,095 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,889,000 | 5,054 |
| Total interest expense | $62,000 | 6,994 |
| Net interest income | $2,827,000 | 4,627 |
| Provision for loan and lease losses | $40,000 | 5,103 |
| Total noninterest income | $966,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $508,000 | 1,974 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $458,000 | 3,075 |
| Total noninterest expense | $3,601,000 | 3,600 |
| Salaries and employee benefits | $1,485,000 | 4,169 |
| Premises and equipment expense | $351,000 | 4,032 |
| Additional noninterest expense | $1,765,000 | 2,714 |
| Pre-tax net operating income | $152,000 | 5,860 |
| Securities gains (losses) | $2,000 | 3,410 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $154,000 | 5,917 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $154,000 | 5,916 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $154,000 | 5,916 |
| Net charge-offs | $44,000 | 4,598 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $152,000 | 5,767 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,911,000 | 5,101 |
| Total interest expense | $44,000 | 7,046 |
| Net interest income | $1,867,000 | 4,678 |
| Provision for loan and lease losses | $40,000 | 4,724 |
| Total noninterest income | $472,000 | 3,346 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $333,000 | 1,983 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $139,000 | 4,183 |
| Total noninterest expense | $2,206,000 | 3,838 |
| Salaries and employee benefits | $1,017,000 | 4,130 |
| Premises and equipment expense | $234,000 | 4,039 |
| Additional noninterest expense | $955,000 | 3,245 |
| Pre-tax net operating income | $93,000 | 5,905 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $93,000 | 5,983 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $93,000 | 5,983 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $93,000 | 5,983 |
| Net charge-offs | $56,000 | 3,930 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $93,000 | 5,831 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $956,000 | 5,151 |
| Total interest expense | $24,000 | 7,094 |
| Net interest income | $932,000 | 4,721 |
| Provision for loan and lease losses | $40,000 | 3,905 |
| Total noninterest income | $226,000 | 3,415 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $157,000 | 2,054 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $69,000 | 4,238 |
| Total noninterest expense | $1,095,000 | 3,857 |
| Salaries and employee benefits | $508,000 | 4,164 |
| Premises and equipment expense | $113,000 | 4,128 |
| Additional noninterest expense | $474,000 | 3,229 |
| Pre-tax net operating income | $23,000 | 6,196 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $23,000 | 6,294 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $23,000 | 6,293 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $23,000 | 6,294 |
| Net charge-offs | $-13,000 | 6,740 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $23,000 | 6,165 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 5,086 |
| Total interest expense | $177,000 | 6,978 |
| Net interest income | $3,931,000 | 4,579 |
| Provision for loan and lease losses | $918,000 | 2,541 |
| Total noninterest income | $909,000 | 3,283 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $672,000 | 2,054 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $237,000 | 4,211 |
| Total noninterest expense | $4,453,000 | 3,831 |
| Salaries and employee benefits | $2,087,000 | 4,064 |
| Premises and equipment expense | $501,000 | 4,039 |
| Additional noninterest expense | $1,865,000 | 3,330 |
| Pre-tax net operating income | $-531,000 | 6,421 |
| Securities gains (losses) | $13,000 | 3,238 |
| Applicable income taxes | $-4,000 | 6,543 |
| Income before extraordinary items | $-514,000 | 6,479 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-514,000 | 6,481 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-514,000 | 6,480 |
| Net charge-offs | $460,000 | 3,284 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 652 |
| Net operating income | $-526,870 | 6,444 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 5,104 |
| Total interest expense | $146,000 | 7,016 |
| Net interest income | $2,977,000 | 4,582 |
| Provision for loan and lease losses | $788,000 | 2,288 |
| Total noninterest income | $683,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $504,000 | 2,064 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $179,000 | 4,259 |
| Total noninterest expense | $3,356,000 | 3,830 |
| Salaries and employee benefits | $1,573,000 | 4,045 |
| Premises and equipment expense | $384,000 | 4,024 |
| Additional noninterest expense | $1,399,000 | 3,327 |
| Pre-tax net operating income | $-484,000 | 6,594 |
| Securities gains (losses) | $13,000 | 2,968 |
| Applicable income taxes | $-1,000 | 6,712 |
| Income before extraordinary items | $-470,000 | 6,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-470,000 | 6,675 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-470,000 | 6,675 |
| Net charge-offs | $392,000 | 2,937 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 544 |
| Net operating income | $-483,000 | 6,628 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,121,000 | 5,103 |
| Total interest expense | $105,000 | 7,054 |
| Net interest income | $2,016,000 | 4,560 |
| Provision for loan and lease losses | $592,000 | 2,121 |
| Total noninterest income | $443,000 | 3,359 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $335,000 | 2,049 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $108,000 | 4,435 |
| Total noninterest expense | $2,198,000 | 3,917 |
| Salaries and employee benefits | $1,039,000 | 4,099 |
| Premises and equipment expense | $236,000 | 4,260 |
| Additional noninterest expense | $923,000 | 3,392 |
| Pre-tax net operating income | $-331,000 | 6,674 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-2,000 | 6,799 |
| Income before extraordinary items | $-329,000 | 6,737 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-329,000 | 6,737 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-329,000 | 6,738 |
| Net charge-offs | $375,000 | 2,425 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 682 |
| Net operating income | $-329,000 | 6,709 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,052,000 | 5,138 |
| Total interest expense | $54,000 | 7,112 |
| Net interest income | $998,000 | 4,581 |
| Provision for loan and lease losses | $398,000 | 1,658 |
| Total noninterest income | $217,000 | 3,419 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $166,000 | 2,041 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $51,000 | 4,640 |
| Total noninterest expense | $1,143,000 | 3,827 |
| Salaries and employee benefits | $529,000 | 4,072 |
| Premises and equipment expense | $120,000 | 4,272 |
| Additional noninterest expense | $494,000 | 3,217 |
| Pre-tax net operating income | $-326,000 | 6,961 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-326,000 | 7,009 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-326,000 | 7,009 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-326,000 | 7,009 |
| Net charge-offs | $349,000 | 1,623 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 480 |
| Net operating income | $-326,000 | 6,996 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,632,000 | 5,026 |
| Total interest expense | $308,000 | 7,038 |
| Net interest income | $4,324,000 | 4,345 |
| Provision for loan and lease losses | $613,000 | 3,809 |
| Total noninterest income | $965,000 | 3,289 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $744,000 | 1,950 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $221,000 | 4,444 |
| Total noninterest expense | $4,323,000 | 3,995 |
| Salaries and employee benefits | $1,977,000 | 4,269 |
| Premises and equipment expense | $509,000 | 4,131 |
| Additional noninterest expense | $1,837,000 | 3,491 |
| Pre-tax net operating income | $353,000 | 4,755 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $141,000 | 2,983 |
| Income before extraordinary items | $212,000 | 5,236 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $212,000 | 5,239 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $212,000 | 5,239 |
| Net charge-offs | $447,000 | 3,799 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 7,568 |
| Net operating income | $212,000 | 5,098 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,512,000 | 5,079 |
| Total interest expense | $245,000 | 7,113 |
| Net interest income | $3,267,000 | 4,384 |
| Provision for loan and lease losses | $300,000 | 4,314 |
| Total noninterest income | $718,000 | 3,341 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $557,000 | 2,001 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $161,000 | 4,543 |
| Total noninterest expense | $3,189,000 | 4,051 |
| Salaries and employee benefits | $1,456,000 | 4,352 |
| Premises and equipment expense | $368,000 | 4,291 |
| Additional noninterest expense | $1,365,000 | 3,485 |
| Pre-tax net operating income | $496,000 | 4,222 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $198,000 | 2,565 |
| Income before extraordinary items | $298,000 | 4,887 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $298,000 | 4,890 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $298,000 | 4,890 |
| Net charge-offs | $95,000 | 4,955 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 7,676 |
| Net operating income | $298,000 | 4,696 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,360,000 | 5,107 |
| Total interest expense | $177,000 | 7,128 |
| Net interest income | $2,183,000 | 4,382 |
| Provision for loan and lease losses | $150,000 | 4,587 |
| Total noninterest income | $468,000 | 3,338 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $359,000 | 2,055 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $109,000 | 4,502 |
| Total noninterest expense | $2,100,000 | 4,103 |
| Salaries and employee benefits | $958,000 | 4,420 |
| Premises and equipment expense | $233,000 | 4,453 |
| Additional noninterest expense | $909,000 | 3,461 |
| Pre-tax net operating income | $401,000 | 3,989 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $160,000 | 2,346 |
| Income before extraordinary items | $241,000 | 4,638 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $241,000 | 4,638 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $241,000 | 4,638 |
| Net charge-offs | $54,000 | 4,817 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 7,754 |
| Net operating income | $241,000 | 4,488 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,193,000 | 5,151 |
| Total interest expense | $94,000 | 7,185 |
| Net interest income | $1,099,000 | 4,393 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $236,000 | 3,317 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $178,000 | 2,065 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $58,000 | 4,439 |
| Total noninterest expense | $1,040,000 | 4,167 |
| Salaries and employee benefits | $481,000 | 4,459 |
| Premises and equipment expense | $118,000 | 4,511 |
| Additional noninterest expense | $441,000 | 3,529 |
| Pre-tax net operating income | $145,000 | 4,601 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $58,000 | 2,679 |
| Income before extraordinary items | $87,000 | 5,156 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $87,000 | 5,157 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $87,000 | 5,156 |
| Net charge-offs | $4,000 | 5,215 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 7,878 |
| Net operating income | $87,000 | 5,032 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,965,000 | 5,149 |
| Total interest expense | $555,000 | 7,008 |
| Net interest income | $4,410,000 | 4,287 |
| Provision for loan and lease losses | $693,000 | 4,056 |
| Total noninterest income | $931,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $707,000 | 2,231 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $224,000 | 4,457 |
| Total noninterest expense | $4,312,000 | 4,125 |
| Salaries and employee benefits | $2,002,000 | 4,364 |
| Premises and equipment expense | $468,000 | 4,560 |
| Additional noninterest expense | $1,842,000 | 3,546 |
| Pre-tax net operating income | $336,000 | 4,403 |
| Securities gains (losses) | $118,000 | 1,994 |
| Applicable income taxes | $182,000 | 2,463 |
| Income before extraordinary items | $272,000 | 4,571 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $272,000 | 4,570 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $272,000 | 4,571 |
| Net charge-offs | $613,000 | 3,532 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 1,017 |
| Net operating income | $196,480 | 4,754 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,713,000 | 5,210 |
| Total interest expense | $440,000 | 7,062 |
| Net interest income | $3,273,000 | 4,327 |
| Provision for loan and lease losses | $450,000 | 3,968 |
| Total noninterest income | $683,000 | 3,571 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $513,000 | 2,307 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $170,000 | 4,563 |
| Total noninterest expense | $3,186,000 | 4,180 |
| Salaries and employee benefits | $1,505,000 | 4,375 |
| Premises and equipment expense | $292,000 | 5,102 |
| Additional noninterest expense | $1,389,000 | 3,476 |
| Pre-tax net operating income | $320,000 | 4,457 |
| Securities gains (losses) | $118,000 | 1,696 |
| Applicable income taxes | $174,000 | 2,445 |
| Income before extraordinary items | $264,000 | 4,569 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $264,000 | 4,568 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $264,000 | 4,570 |
| Net charge-offs | $338,000 | 3,543 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 880 |
| Net operating income | $188,480 | 4,851 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,525,000 | 5,202 |
| Total interest expense | $306,000 | 7,113 |
| Net interest income | $2,219,000 | 4,269 |
| Provision for loan and lease losses | $300,000 | 3,683 |
| Total noninterest income | $429,000 | 3,713 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $334,000 | 2,312 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $95,000 | 4,886 |
| Total noninterest expense | $2,102,000 | 4,242 |
| Salaries and employee benefits | $1,023,000 | 4,362 |
| Premises and equipment expense | $184,000 | 5,282 |
| Additional noninterest expense | $895,000 | 3,568 |
| Pre-tax net operating income | $246,000 | 4,400 |
| Securities gains (losses) | $118,000 | 1,361 |
| Applicable income taxes | $145,000 | 2,300 |
| Income before extraordinary items | $219,000 | 4,428 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $219,000 | 4,425 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $219,000 | 4,425 |
| Net charge-offs | $173,000 | 3,610 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 751 |
| Net operating income | $143,480 | 4,822 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,284,000 | 5,199 |
| Total interest expense | $161,000 | 7,134 |
| Net interest income | $1,123,000 | 4,209 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $221,000 | 3,619 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $174,000 | 2,198 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $47,000 | 4,942 |
| Total noninterest expense | $1,033,000 | 4,222 |
| Salaries and employee benefits | $508,000 | 4,409 |
| Premises and equipment expense | $98,000 | 5,166 |
| Additional noninterest expense | $427,000 | 3,406 |
| Pre-tax net operating income | $161,000 | 4,388 |
| Securities gains (losses) | $114,000 | 935 |
| Applicable income taxes | $106,000 | 2,125 |
| Income before extraordinary items | $169,000 | 4,142 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $169,000 | 4,145 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $169,000 | 4,145 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 454 |
| Net operating income | $96,040 | 4,851 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,158,000 | 5,369 |
| Total interest expense | $763,000 | 7,199 |
| Net interest income | $4,395,000 | 4,287 |
| Provision for loan and lease losses | $623,000 | 3,439 |
| Total noninterest income | $891,000 | 3,653 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $661,000 | 2,459 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $230,000 | 4,613 |
| Total noninterest expense | $3,924,000 | 4,299 |
| Salaries and employee benefits | $2,015,000 | 4,419 |
| Premises and equipment expense | $403,000 | 5,061 |
| Additional noninterest expense | $1,506,000 | 3,604 |
| Pre-tax net operating income | $739,000 | 4,306 |
| Securities gains (losses) | $7,000 | 2,644 |
| Applicable income taxes | $298,000 | 2,411 |
| Income before extraordinary items | $448,000 | 4,613 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $448,000 | 4,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 3,392 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 938 |
| Net operating income | $443,520 | 4,792 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 5,458 |
| Total interest expense | $583,000 | 7,282 |
| Net interest income | $3,256,000 | 4,358 |
| Provision for loan and lease losses | $321,000 | 3,443 |
| Total noninterest income | $660,000 | 3,762 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $485,000 | 2,516 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $175,000 | 4,688 |
| Total noninterest expense | $2,921,000 | 4,309 |
| Salaries and employee benefits | $1,487,000 | 4,511 |
| Premises and equipment expense | $311,000 | 5,004 |
| Additional noninterest expense | $1,123,000 | 3,545 |
| Pre-tax net operating income | $674,000 | 4,422 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $274,000 | 2,564 |
| Income before extraordinary items | $405,000 | 4,767 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $405,000 | 4,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,037 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 742 |
| Net operating income | $401,800 | 4,945 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 5,559 |
| Total interest expense | $402,000 | 7,363 |
| Net interest income | $2,125,000 | 4,413 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $437,000 | 3,824 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $316,000 | 2,534 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $121,000 | 4,711 |
| Total noninterest expense | $1,903,000 | 4,400 |
| Salaries and employee benefits | $970,000 | 4,629 |
| Premises and equipment expense | $201,000 | 5,131 |
| Additional noninterest expense | $732,000 | 3,597 |
| Pre-tax net operating income | $629,000 | 3,912 |
| Securities gains (losses) | $5,000 | 2,725 |
| Applicable income taxes | $252,000 | 2,416 |
| Income before extraordinary items | $382,000 | 4,571 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $382,000 | 4,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,332 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 551 |
| Net operating income | $378,800 | 4,524 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,270,000 | 5,651 |
| Total interest expense | $214,000 | 7,387 |
| Net interest income | $1,056,000 | 4,442 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $229,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $161,000 | 2,467 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $68,000 | 4,477 |
| Total noninterest expense | $927,000 | 4,476 |
| Salaries and employee benefits | $455,000 | 4,854 |
| Premises and equipment expense | $104,000 | 5,055 |
| Additional noninterest expense | $368,000 | 3,532 |
| Pre-tax net operating income | $358,000 | 3,782 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $145,000 | 2,364 |
| Income before extraordinary items | $218,000 | 4,489 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $218,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 301 |
| Net operating income | $214,800 | 4,419 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,097,000 | 5,675 |
| Total interest expense | $781,000 | 7,528 |
| Net interest income | $4,316,000 | 4,401 |
| Provision for loan and lease losses | $45,000 | 5,768 |
| Total noninterest income | $717,000 | 4,241 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $513,000 | 3,002 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $204,000 | 5,019 |
| Total noninterest expense | $3,821,000 | 4,267 |
| Salaries and employee benefits | $2,088,000 | 4,258 |
| Premises and equipment expense | $420,000 | 4,874 |
| Additional noninterest expense | $1,313,000 | 3,816 |
| Pre-tax net operating income | $1,167,000 | 4,418 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $467,000 | 2,829 |
| Income before extraordinary items | $700,000 | 5,054 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $700,000 | 5,056 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,430 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,404 |
| Net operating income | $700,000 | 5,039 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 5,726 |
| Total interest expense | $553,000 | 7,635 |
| Net interest income | $3,223,000 | 4,450 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $514,000 | 4,351 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $363,000 | 3,108 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $151,000 | 5,079 |
| Total noninterest expense | $2,881,000 | 4,212 |
| Salaries and employee benefits | $1,578,000 | 4,211 |
| Premises and equipment expense | $321,000 | 4,809 |
| Additional noninterest expense | $982,000 | 3,764 |
| Pre-tax net operating income | $811,000 | 4,808 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $316,000 | 3,132 |
| Income before extraordinary items | $495,000 | 5,400 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $495,000 | 5,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $495,000 | 5,386 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,476,000 | 5,796 |
| Total interest expense | $350,000 | 7,733 |
| Net interest income | $2,126,000 | 4,515 |
| Provision for loan and lease losses | $45,000 | 4,495 |
| Total noninterest income | $333,000 | 4,440 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $230,000 | 3,205 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $103,000 | 5,075 |
| Total noninterest expense | $1,913,000 | 4,247 |
| Salaries and employee benefits | $1,084,000 | 4,155 |
| Premises and equipment expense | $202,000 | 5,004 |
| Additional noninterest expense | $627,000 | 3,889 |
| Pre-tax net operating income | $501,000 | 5,030 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $199,000 | 3,277 |
| Income before extraordinary items | $302,000 | 5,637 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $302,000 | 5,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,096 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $302,000 | 5,618 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,209,000 | 5,858 |
| Total interest expense | $169,000 | 7,797 |
| Net interest income | $1,040,000 | 4,569 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $166,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $113,000 | 3,201 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $53,000 | 4,993 |
| Total noninterest expense | $1,032,000 | 4,044 |
| Salaries and employee benefits | $645,000 | 3,692 |
| Premises and equipment expense | $93,000 | 5,263 |
| Additional noninterest expense | $294,000 | 4,038 |
| Pre-tax net operating income | $129,000 | 6,307 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $75,000 | 3,661 |
| Income before extraordinary items | $54,000 | 7,099 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $54,000 | 7,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,933 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $54,000 | 7,082 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,071,000 | 5,516 |
| Total interest expense | $531,000 | 7,863 |
| Net interest income | $4,540,000 | 4,311 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $670,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $463,000 | 3,231 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $207,000 | 5,061 |
| Total noninterest expense | $3,290,000 | 4,585 |
| Salaries and employee benefits | $1,661,000 | 4,876 |
| Premises and equipment expense | $303,000 | 5,727 |
| Additional noninterest expense | $1,326,000 | 3,642 |
| Pre-tax net operating income | $1,740,000 | 3,963 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $678,000 | 2,716 |
| Income before extraordinary items | $1,062,000 | 4,581 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,062,000 | 4,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,834 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 925 |
| Net operating income | $1,062,000 | 4,570 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,787,000 | 5,523 |
| Total interest expense | $361,000 | 7,986 |
| Net interest income | $3,426,000 | 4,318 |
| Provision for loan and lease losses | $136,000 | 3,555 |
| Total noninterest income | $468,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $348,000 | 3,234 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,522 |
| Total noninterest expense | $2,410,000 | 4,655 |
| Salaries and employee benefits | $1,226,000 | 4,898 |
| Premises and equipment expense | $231,000 | 5,703 |
| Additional noninterest expense | $953,000 | 3,756 |
| Pre-tax net operating income | $1,348,000 | 4,022 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $539,000 | 2,753 |
| Income before extraordinary items | $809,000 | 4,673 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $809,000 | 4,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,033 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 738 |
| Net operating income | $809,000 | 4,665 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,518,000 | 5,504 |
| Total interest expense | $226,000 | 8,038 |
| Net interest income | $2,292,000 | 4,302 |
| Provision for loan and lease losses | $91,000 | 3,450 |
| Total noninterest income | $310,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $232,000 | 3,213 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $78,000 | 5,602 |
| Total noninterest expense | $1,619,000 | 4,632 |
| Salaries and employee benefits | $843,000 | 4,828 |
| Premises and equipment expense | $144,000 | 5,879 |
| Additional noninterest expense | $632,000 | 3,761 |
| Pre-tax net operating income | $892,000 | 4,064 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $354,000 | 2,809 |
| Income before extraordinary items | $538,000 | 4,707 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $538,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,558 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 8,701 |
| Net operating income | $538,000 | 4,699 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,156,000 | 5,702 |
| Total interest expense | $104,000 | 8,100 |
| Net interest income | $1,052,000 | 4,565 |
| Provision for loan and lease losses | $48,000 | 3,203 |
| Total noninterest income | $150,000 | 4,678 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $113,000 | 3,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $797,000 | 4,708 |
| Salaries and employee benefits | $450,000 | 4,635 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $277,000 | 4,151 |
| Pre-tax net operating income | $357,000 | 4,542 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $143,000 | 3,105 |
| Income before extraordinary items | $214,000 | 5,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $214,000 | 5,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 8,720 |
| Net operating income | $214,000 | 5,194 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,054,000 | 5,789 |
| Total interest expense | $374,000 | 7,975 |
| Net interest income | $3,680,000 | 4,874 |
| Provision for loan and lease losses | $57,000 | 5,617 |
| Total noninterest income | $632,000 | 4,658 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $466,000 | 3,202 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $166,000 | 5,547 |
| Total noninterest expense | $3,203,000 | 4,570 |
| Salaries and employee benefits | $1,585,000 | 4,875 |
| Premises and equipment expense | $303,000 | 5,706 |
| Additional noninterest expense | $1,315,000 | 3,582 |
| Pre-tax net operating income | $1,052,000 | 5,220 |
| Securities gains (losses) | $-31,000 | 8,009 |
| Applicable income taxes | $393,000 | 3,728 |
| Income before extraordinary items | $628,000 | 5,902 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $628,000 | 5,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,884 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $141,000 | 682 |
| Net operating income | $647,840 | 5,803 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,003,000 | 5,791 |
| Total interest expense | $278,000 | 7,966 |
| Net interest income | $2,725,000 | 4,929 |
| Provision for loan and lease losses | $54,000 | 5,082 |
| Total noninterest income | $474,000 | 4,687 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $354,000 | 3,180 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,607 |
| Total noninterest expense | $2,326,000 | 4,651 |
| Salaries and employee benefits | $1,196,000 | 4,840 |
| Premises and equipment expense | $230,000 | 5,668 |
| Additional noninterest expense | $900,000 | 3,802 |
| Pre-tax net operating income | $819,000 | 5,282 |
| Securities gains (losses) | $-12,000 | 7,977 |
| Applicable income taxes | $321,000 | 3,701 |
| Income before extraordinary items | $486,000 | 5,969 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $486,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,476 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 540 |
| Net operating income | $493,680 | 5,889 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 5,835 |
| Total interest expense | $183,000 | 7,934 |
| Net interest income | $1,752,000 | 5,026 |
| Provision for loan and lease losses | $51,000 | 4,505 |
| Total noninterest income | $324,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $240,000 | 3,092 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $84,000 | 5,510 |
| Total noninterest expense | $1,589,000 | 4,548 |
| Salaries and employee benefits | $844,000 | 4,642 |
| Premises and equipment expense | $141,000 | 5,896 |
| Additional noninterest expense | $604,000 | 3,783 |
| Pre-tax net operating income | $436,000 | 5,770 |
| Securities gains (losses) | $-12,000 | 8,200 |
| Applicable income taxes | $168,000 | 4,079 |
| Income before extraordinary items | $256,000 | 6,463 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $256,000 | 6,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,310 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 522 |
| Net operating income | $263,680 | 6,347 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $957,000 | 5,864 |
| Total interest expense | $91,000 | 7,948 |
| Net interest income | $866,000 | 5,081 |
| Provision for loan and lease losses | $33,000 | 3,846 |
| Total noninterest income | $162,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $123,000 | 2,981 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,696 |
| Total noninterest expense | $798,000 | 4,565 |
| Salaries and employee benefits | $458,000 | 4,383 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $270,000 | 4,122 |
| Pre-tax net operating income | $197,000 | 5,990 |
| Securities gains (losses) | $-11,000 | 8,547 |
| Applicable income taxes | $74,000 | 4,218 |
| Income before extraordinary items | $112,000 | 6,693 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $112,000 | 6,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $119,040 | 6,547 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,544,000 | 5,930 |
| Total interest expense | $356,000 | 7,856 |
| Net interest income | $3,188,000 | 5,224 |
| Provision for loan and lease losses | $172,000 | 4,028 |
| Total noninterest income | $675,000 | 4,497 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $535,000 | 2,985 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $140,000 | 5,820 |
| Total noninterest expense | $2,622,000 | 5,132 |
| Salaries and employee benefits | $1,279,000 | 5,493 |
| Premises and equipment expense | $313,000 | 5,557 |
| Additional noninterest expense | $1,030,000 | 4,234 |
| Pre-tax net operating income | $1,069,000 | 5,067 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $415,000 | 3,664 |
| Income before extraordinary items | $663,000 | 5,726 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $663,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,750 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 752 |
| Net operating income | $657,240 | 5,675 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,598,000 | 6,003 |
| Total interest expense | $258,000 | 7,933 |
| Net interest income | $2,340,000 | 5,288 |
| Provision for loan and lease losses | $124,000 | 3,944 |
| Total noninterest income | $510,000 | 4,486 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $403,000 | 2,995 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $107,000 | 5,792 |
| Total noninterest expense | $1,934,000 | 5,150 |
| Salaries and employee benefits | $935,000 | 5,532 |
| Premises and equipment expense | $236,000 | 5,519 |
| Additional noninterest expense | $763,000 | 4,228 |
| Pre-tax net operating income | $792,000 | 5,212 |
| Securities gains (losses) | $4,000 | 3,145 |
| Applicable income taxes | $306,000 | 3,764 |
| Income before extraordinary items | $490,000 | 5,855 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $490,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,410 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 611 |
| Net operating income | $487,440 | 5,799 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 6,127 |
| Total interest expense | $166,000 | 8,055 |
| Net interest income | $1,510,000 | 5,381 |
| Provision for loan and lease losses | $76,000 | 3,974 |
| Total noninterest income | $368,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $273,000 | 2,924 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $95,000 | 5,258 |
| Total noninterest expense | $1,279,000 | 5,200 |
| Salaries and employee benefits | $635,000 | 5,512 |
| Premises and equipment expense | $148,000 | 5,701 |
| Additional noninterest expense | $496,000 | 4,340 |
| Pre-tax net operating income | $523,000 | 5,190 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $201,000 | 3,769 |
| Income before extraordinary items | $322,000 | 5,879 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $322,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 500 |
| Net operating income | $322,000 | 5,795 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $820,000 | 6,191 |
| Total interest expense | $78,000 | 8,217 |
| Net interest income | $742,000 | 5,446 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $194,000 | 4,135 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $144,000 | 2,765 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $662,000 | 5,105 |
| Salaries and employee benefits | $352,000 | 5,171 |
| Premises and equipment expense | $78,000 | 5,588 |
| Additional noninterest expense | $232,000 | 4,564 |
| Pre-tax net operating income | $244,000 | 5,342 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $97,000 | 3,835 |
| Income before extraordinary items | $147,000 | 6,059 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $147,000 | 6,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 9,071 |
| Net operating income | $147,000 | 5,939 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 6,388 |
| Total interest expense | $238,000 | 8,644 |
| Net interest income | $2,892,000 | 5,429 |
| Provision for loan and lease losses | $110,000 | 5,170 |
| Total noninterest income | $696,000 | 4,569 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $542,000 | 2,915 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $154,000 | 5,780 |
| Total noninterest expense | $2,607,000 | 5,070 |
| Salaries and employee benefits | $1,278,000 | 5,409 |
| Premises and equipment expense | $323,000 | 5,438 |
| Additional noninterest expense | $1,006,000 | 4,260 |
| Pre-tax net operating income | $871,000 | 5,484 |
| Securities gains (losses) | $72,000 | 2,185 |
| Applicable income taxes | $362,000 | 3,969 |
| Income before extraordinary items | $581,000 | 6,011 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $581,000 | 6,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,987 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 9,043 |
| Net operating income | $534,920 | 6,045 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,288,000 | 6,540 |
| Total interest expense | $171,000 | 8,777 |
| Net interest income | $2,117,000 | 5,532 |
| Provision for loan and lease losses | $80,000 | 5,120 |
| Total noninterest income | $515,000 | 4,668 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $403,000 | 2,931 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $112,000 | 5,863 |
| Total noninterest expense | $1,931,000 | 5,104 |
| Salaries and employee benefits | $940,000 | 5,455 |
| Premises and equipment expense | $246,000 | 5,386 |
| Additional noninterest expense | $745,000 | 4,281 |
| Pre-tax net operating income | $621,000 | 5,790 |
| Securities gains (losses) | $68,000 | 2,055 |
| Applicable income taxes | $287,000 | 3,998 |
| Income before extraordinary items | $402,000 | 6,340 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $402,000 | 6,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 3,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 9,117 |
| Net operating income | $358,480 | 6,428 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,526,000 | 6,593 |
| Total interest expense | $114,000 | 8,846 |
| Net interest income | $1,412,000 | 5,522 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $339,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $265,000 | 2,933 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $74,000 | 5,881 |
| Total noninterest expense | $1,325,000 | 4,987 |
| Salaries and employee benefits | $665,000 | 5,273 |
| Premises and equipment expense | $160,000 | 5,447 |
| Additional noninterest expense | $500,000 | 4,242 |
| Pre-tax net operating income | $376,000 | 6,016 |
| Securities gains (losses) | $67,000 | 1,811 |
| Applicable income taxes | $182,000 | 4,152 |
| Income before extraordinary items | $261,000 | 6,429 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $261,000 | 6,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 9,171 |
| Net operating income | $218,120 | 6,602 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $750,000 | 6,697 |
| Total interest expense | $63,000 | 8,855 |
| Net interest income | $687,000 | 5,605 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $165,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $129,000 | 2,921 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 5,881 |
| Total noninterest expense | $686,000 | 4,864 |
| Salaries and employee benefits | $369,000 | 4,909 |
| Premises and equipment expense | $81,000 | 5,408 |
| Additional noninterest expense | $236,000 | 4,401 |
| Pre-tax net operating income | $136,000 | 6,673 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $69,000 | 4,613 |
| Income before extraordinary items | $99,000 | 6,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $78,520 | 7,176 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,012,000 | 6,851 |
| Total interest expense | $367,000 | 8,744 |
| Net interest income | $2,645,000 | 5,718 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $720,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $536,000 | 2,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $184,000 | 5,193 |
| Total noninterest expense | $2,531,000 | 5,045 |
| Salaries and employee benefits | $1,179,000 | 5,542 |
| Premises and equipment expense | $351,000 | 5,085 |
| Additional noninterest expense | $1,001,000 | 4,176 |
| Pre-tax net operating income | $754,000 | 5,916 |
| Securities gains (losses) | $28,000 | 2,890 |
| Applicable income taxes | $233,000 | 4,874 |
| Income before extraordinary items | $549,000 | 6,185 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $549,000 | 6,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $61,000 | 5,864 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 774 |
| Net operating income | $529,400 | 6,117 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,311,000 | 6,922 |
| Total interest expense | $687,000 | 8,646 |
| Net interest income | $2,624,000 | 5,557 |
| Provision for loan and lease losses | $210,000 | 4,019 |
| Total noninterest income | $822,000 | 3,782 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $500,000 | 2,839 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $322,000 | 3,958 |
| Total noninterest expense | $2,446,000 | 5,029 |
| Salaries and employee benefits | $1,130,000 | 5,545 |
| Premises and equipment expense | $357,000 | 4,960 |
| Additional noninterest expense | $959,000 | 4,205 |
| Pre-tax net operating income | $790,000 | 5,516 |
| Securities gains (losses) | $20,000 | 3,157 |
| Applicable income taxes | $329,000 | 4,096 |
| Income before extraordinary items | $481,000 | 6,172 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $481,000 | 6,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,106 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $468,200 | 6,102 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,176,000 | 7,228 |
| Total interest expense | $705,000 | 8,856 |
| Net interest income | $2,471,000 | 5,857 |
| Provision for loan and lease losses | $200,000 | 3,731 |
| Total noninterest income | $928,000 | 3,314 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $367,000 | 3,464 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $561,000 | 2,747 |
| Total noninterest expense | $2,151,000 | 5,418 |
| Salaries and employee benefits | $950,000 | 6,125 |
| Premises and equipment expense | $299,000 | 5,432 |
| Additional noninterest expense | $902,000 | 4,325 |
| Pre-tax net operating income | $1,048,000 | 5,140 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $439,000 | 3,788 |
| Income before extraordinary items | $609,000 | 5,791 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $609,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,171 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $609,000 | 5,811 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 8,017 |
| Total interest expense | $568,000 | 9,290 |
| Net interest income | $1,837,000 | 6,938 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $476,000 | 5,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,551 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,094 |
| Total noninterest expense | $1,876,000 | 5,918 |
| Salaries and employee benefits | $867,000 | 6,464 |
| Premises and equipment expense | $242,000 | 6,158 |
| Additional noninterest expense | $767,000 | 4,939 |
| Pre-tax net operating income | $362,000 | 7,775 |
| Securities gains (losses) | $-23,000 | 9,594 |
| Applicable income taxes | $59,000 | 7,514 |
| Income before extraordinary items | $280,000 | 7,716 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $280,000 | 7,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,321 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $299,090 | 7,579 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,186,000 | 8,461 |
| Total interest expense | $631,000 | 9,395 |
| Net interest income | $1,555,000 | 7,563 |
| Provision for loan and lease losses | $101,000 | 5,074 |
| Total noninterest income | $393,000 | 5,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 3,858 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,031 |
| Total noninterest expense | $1,682,000 | 6,261 |
| Salaries and employee benefits | $764,000 | 6,846 |
| Premises and equipment expense | $228,000 | 6,289 |
| Additional noninterest expense | $690,000 | 5,226 |
| Pre-tax net operating income | $165,000 | 9,098 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $165,000 | 8,879 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $165,000 | 8,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,298 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $164,010 | 8,817 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,541,000 | 9,618 |
| Total interest expense | $407,000 | 10,323 |
| Net interest income | $1,134,000 | 8,853 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $256,000 | 7,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $213,000 | 5,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 8,733 |
| Total noninterest expense | $1,195,000 | 7,697 |
| Salaries and employee benefits | $537,000 | 8,349 |
| Premises and equipment expense | $172,000 | 7,344 |
| Additional noninterest expense | $486,000 | 6,622 |
| Pre-tax net operating income | $145,000 | 9,874 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,000 | 10,030 |
| Income before extraordinary items | $144,000 | 9,640 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $144,000 | 9,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,260 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $144,000 | 9,590 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,338,000 | 10,331 |
| Total interest expense | $394,000 | 10,887 |
| Net interest income | $944,000 | 9,714 |
| Provision for loan and lease losses | $59,000 | 6,328 |
| Total noninterest income | $209,000 | 8,100 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $174,000 | 6,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,600 |
| Total noninterest expense | $1,063,000 | 8,462 |
| Salaries and employee benefits | $505,000 | 8,849 |
| Premises and equipment expense | $161,000 | 7,804 |
| Additional noninterest expense | $397,000 | 7,901 |
| Pre-tax net operating income | $31,000 | 10,674 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $30,000 | 10,680 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $30,000 | 10,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 4,536 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $30,000 | 10,631 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,250,000 | 10,916 |
| Total interest expense | $400,000 | 11,326 |
| Net interest income | $850,000 | 10,385 |
| Provision for loan and lease losses | $256,000 | 2,512 |
| Total noninterest income | $158,000 | 9,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 10,525 |
| Total noninterest expense | $848,000 | 9,562 |
| Salaries and employee benefits | $417,000 | 9,819 |
| Premises and equipment expense | $122,000 | 8,993 |
| Additional noninterest expense | $309,000 | 9,158 |
| Pre-tax net operating income | $-96,000 | 11,593 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,000 | 11,102 |
| Income before extraordinary items | $-97,000 | 11,600 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-97,000 | 11,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,431 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-97,000 | 11,580 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 11,264 |
| Total interest expense | $388,000 | 11,650 |
| Net interest income | $855,000 | 10,863 |
| Provision for loan and lease losses | $134,000 | 3,843 |
| Total noninterest income | $164,000 | 9,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $132,000 | 7,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 10,653 |
| Total noninterest expense | $781,000 | 10,325 |
| Salaries and employee benefits | $372,000 | 10,529 |
| Premises and equipment expense | $108,000 | 9,773 |
| Additional noninterest expense | $301,000 | 9,951 |
| Pre-tax net operating income | $104,000 | 11,604 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,000 | 11,577 |
| Income before extraordinary items | $103,000 | 11,361 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $103,000 | 11,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,709 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $103,000 | 11,397 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,019,000 | 12,247 |
| Total interest expense | $318,000 | 12,595 |
| Net interest income | $701,000 | 11,873 |
| Provision for loan and lease losses | $63,000 | 6,860 |
| Total noninterest income | $151,000 | 10,182 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 11,885 |
| Total noninterest expense | $745,000 | 10,941 |
| Salaries and employee benefits | $356,000 | 11,083 |
| Premises and equipment expense | $111,000 | 10,087 |
| Additional noninterest expense | $278,000 | 10,714 |
| Pre-tax net operating income | $44,000 | 12,210 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,000 | 12,075 |
| Income before extraordinary items | $43,000 | 12,293 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $43,000 | 12,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 6,216 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $43,000 | 12,152 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $518,000 | 13,692 |
| Total interest expense | $136,000 | 13,789 |
| Net interest income | $382,000 | 13,439 |
| Provision for loan and lease losses | $57,000 | 8,768 |
| Total noninterest income | $82,000 | 12,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,822 |
| Total noninterest expense | $618,000 | 11,946 |
| Salaries and employee benefits | $298,000 | 12,031 |
| Premises and equipment expense | $86,000 | 11,263 |
| Additional noninterest expense | $234,000 | 11,767 |
| Pre-tax net operating income | $-211,000 | 13,106 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $2,000 | 12,604 |
| Income before extraordinary items | $-213,000 | 13,195 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-213,000 | 13,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-213,000 | 13,075 |
* 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.