Home > Monadnock Community Bank > Income and Expense
Monadnock Community Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 7,018 |
| Total interest expense | $0 | 6,994 |
| Net interest income | $0 | 7,014 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $0 | 6,849 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $0 | 6,809 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $0 | 6,676 |
| Total noninterest expense | $34,000 | 7,012 |
| Salaries and employee benefits | $0 | 7,003 |
| Premises and equipment expense | $0 | 6,994 |
| Additional noninterest expense | $34,000 | 6,909 |
| Pre-tax net operating income | $-34,000 | 6,492 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $66,000 | 2,793 |
| Income before extraordinary items | $-100,000 | 6,661 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-100,000 | 6,662 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-100,000 | 6,662 |
| Net charge-offs | $0 | 4,145 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-100,000 | 6,629 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 5,583 |
| Total interest expense | $1,251,000 | 3,111 |
| Net interest income | $1,573,000 | 6,220 |
| Provision for loan and lease losses | $-46,000 | 6,850 |
| Total noninterest income | $138,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $85,000 | 5,653 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $53,000 | 5,820 |
| Total noninterest expense | $3,628,000 | 4,290 |
| Salaries and employee benefits | $1,283,000 | 5,234 |
| Premises and equipment expense | $280,000 | 5,123 |
| Additional noninterest expense | $2,065,000 | 3,026 |
| Pre-tax net operating income | $-1,871,000 | 6,793 |
| Securities gains (losses) | $93,000 | 2,325 |
| Applicable income taxes | $8,000 | 4,426 |
| Income before extraordinary items | $-1,786,000 | 6,813 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,786,000 | 6,810 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-1,786,000 | 6,811 |
| Net charge-offs | $123,000 | 4,238 |
| Cash dividends | $2,000,000 | 1,202 |
| Sale, conversion, retirement of capital stock, net | $344,000 | 362 |
| Net operating income | $-1,879,000 | 6,802 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,187,000 | 5,617 |
| Total interest expense | $975,000 | 3,132 |
| Net interest income | $1,212,000 | 6,280 |
| Provision for loan and lease losses | $-47,000 | 6,979 |
| Total noninterest income | $121,000 | 5,981 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $64,000 | 5,717 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $57,000 | 5,651 |
| Total noninterest expense | $2,556,000 | 4,458 |
| Salaries and employee benefits | $949,000 | 5,299 |
| Premises and equipment expense | $217,000 | 5,110 |
| Additional noninterest expense | $1,390,000 | 3,297 |
| Pre-tax net operating income | $-1,176,000 | 6,875 |
| Securities gains (losses) | $93,000 | 2,029 |
| Applicable income taxes | $8,000 | 4,434 |
| Income before extraordinary items | $-1,091,000 | 6,894 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,091,000 | 6,890 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,091,000 | 6,892 |
| Net charge-offs | $126,000 | 3,749 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 651 |
| Net operating income | $-1,184,000 | 6,891 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 5,606 |
| Total interest expense | $671,000 | 3,145 |
| Net interest income | $830,000 | 6,289 |
| Provision for loan and lease losses | $-46,000 | 7,069 |
| Total noninterest income | $86,000 | 5,954 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $41,000 | 5,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $45,000 | 5,550 |
| Total noninterest expense | $1,845,000 | 4,283 |
| Salaries and employee benefits | $650,000 | 5,265 |
| Premises and equipment expense | $149,000 | 5,067 |
| Additional noninterest expense | $1,046,000 | 3,004 |
| Pre-tax net operating income | $-883,000 | 6,942 |
| Securities gains (losses) | $93,000 | 1,651 |
| Applicable income taxes | $8,000 | 4,301 |
| Income before extraordinary items | $-798,000 | 6,958 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-798,000 | 6,957 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-798,000 | 6,958 |
| Net charge-offs | $36,000 | 4,276 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 589 |
| Net operating income | $-891,000 | 6,959 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $766,000 | 5,614 |
| Total interest expense | $348,000 | 3,163 |
| Net interest income | $418,000 | 6,326 |
| Provision for loan and lease losses | $-47,000 | 7,167 |
| Total noninterest income | $47,000 | 5,907 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $21,000 | 5,749 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $26,000 | 5,490 |
| Total noninterest expense | $1,009,000 | 4,076 |
| Salaries and employee benefits | $327,000 | 5,298 |
| Premises and equipment expense | $76,000 | 5,053 |
| Additional noninterest expense | $606,000 | 2,641 |
| Pre-tax net operating income | $-497,000 | 7,039 |
| Securities gains (losses) | $93,000 | 950 |
| Applicable income taxes | $8,000 | 4,083 |
| Income before extraordinary items | $-412,000 | 7,045 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-412,000 | 7,044 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-412,000 | 7,045 |
| Net charge-offs | $-9,000 | 6,608 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 634 |
| Net operating income | $-505,000 | 7,050 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,460,000 | 5,478 |
| Total interest expense | $1,793,000 | 3,002 |
| Net interest income | $1,667,000 | 6,385 |
| Provision for loan and lease losses | $1,030,000 | 2,375 |
| Total noninterest income | $103,000 | 6,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 6,359 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $55,000 | 5,861 |
| Total noninterest expense | $2,981,000 | 4,898 |
| Salaries and employee benefits | $1,454,000 | 5,041 |
| Premises and equipment expense | $414,000 | 4,484 |
| Additional noninterest expense | $1,113,000 | 4,655 |
| Pre-tax net operating income | $-2,241,000 | 6,826 |
| Securities gains (losses) | $173,000 | 1,574 |
| Applicable income taxes | $589,000 | 1,870 |
| Income before extraordinary items | $-2,657,000 | 6,915 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,657,000 | 6,915 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,657,000 | 6,915 |
| Net charge-offs | $1,357,000 | 2,009 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,830,000 | 6,915 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,667,000 | 5,467 |
| Total interest expense | $1,398,000 | 3,028 |
| Net interest income | $1,269,000 | 6,404 |
| Provision for loan and lease losses | $650,000 | 2,545 |
| Total noninterest income | $55,000 | 6,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 6,288 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $14,000 | 6,536 |
| Total noninterest expense | $2,299,000 | 4,835 |
| Salaries and employee benefits | $1,121,000 | 4,969 |
| Premises and equipment expense | $313,000 | 4,514 |
| Additional noninterest expense | $865,000 | 4,567 |
| Pre-tax net operating income | $-1,625,000 | 6,945 |
| Securities gains (losses) | $173,000 | 1,311 |
| Applicable income taxes | $-555,000 | 7,233 |
| Income before extraordinary items | $-897,000 | 6,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-897,000 | 6,831 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-897,000 | 6,830 |
| Net charge-offs | $1,174,000 | 1,745 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,007,720 | 6,829 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,840,000 | 5,435 |
| Total interest expense | $953,000 | 3,068 |
| Net interest income | $887,000 | 6,383 |
| Provision for loan and lease losses | $555,000 | 2,181 |
| Total noninterest income | $48,000 | 6,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 6,080 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 6,410 |
| Total noninterest expense | $1,606,000 | 4,752 |
| Salaries and employee benefits | $776,000 | 4,905 |
| Premises and equipment expense | $212,000 | 4,529 |
| Additional noninterest expense | $618,000 | 4,453 |
| Pre-tax net operating income | $-1,226,000 | 7,038 |
| Securities gains (losses) | $106,000 | 1,099 |
| Applicable income taxes | $-428,000 | 7,312 |
| Income before extraordinary items | $-692,000 | 6,927 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-692,000 | 6,926 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-692,000 | 6,927 |
| Net charge-offs | $858,000 | 1,601 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-759,840 | 6,939 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $937,000 | 5,428 |
| Total interest expense | $487,000 | 3,110 |
| Net interest income | $450,000 | 6,377 |
| Provision for loan and lease losses | $425,000 | 1,594 |
| Total noninterest income | $54,000 | 5,845 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $26,000 | 5,445 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $28,000 | 5,466 |
| Total noninterest expense | $838,000 | 4,668 |
| Salaries and employee benefits | $411,000 | 4,793 |
| Premises and equipment expense | $110,000 | 4,476 |
| Additional noninterest expense | $317,000 | 4,372 |
| Pre-tax net operating income | $-759,000 | 7,201 |
| Securities gains (losses) | $71,000 | 637 |
| Applicable income taxes | $-277,000 | 7,414 |
| Income before extraordinary items | $-411,000 | 7,081 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-411,000 | 7,082 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-411,000 | 7,082 |
| Net charge-offs | $461,000 | 1,399 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-456,440 | 7,099 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,596,000 | 5,042 |
| Total interest expense | $2,315,000 | 3,177 |
| Net interest income | $2,281,000 | 5,973 |
| Provision for loan and lease losses | $1,270,000 | 2,688 |
| Total noninterest income | $307,000 | 5,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $307,000 | 3,919 |
| Total noninterest expense | $3,410,000 | 4,666 |
| Salaries and employee benefits | $1,667,000 | 4,754 |
| Premises and equipment expense | $473,000 | 4,331 |
| Additional noninterest expense | $1,270,000 | 4,456 |
| Pre-tax net operating income | $-2,092,000 | 6,790 |
| Securities gains (losses) | $171,000 | 1,711 |
| Applicable income taxes | $-738,000 | 7,254 |
| Income before extraordinary items | $-1,183,000 | 6,654 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,183,000 | 6,654 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,183,000 | 6,655 |
| Net charge-offs | $723,000 | 3,130 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,292,440 | 6,665 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 5,151 |
| Total interest expense | $1,776,000 | 3,241 |
| Net interest income | $1,668,000 | 6,123 |
| Provision for loan and lease losses | $995,000 | 2,518 |
| Total noninterest income | $501,000 | 4,069 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $501,000 | 2,753 |
| Total noninterest expense | $2,632,000 | 4,603 |
| Salaries and employee benefits | $1,284,000 | 4,702 |
| Premises and equipment expense | $370,000 | 4,272 |
| Additional noninterest expense | $978,000 | 4,365 |
| Pre-tax net operating income | $-1,458,000 | 6,943 |
| Securities gains (losses) | $134,000 | 1,694 |
| Applicable income taxes | $-501,000 | 7,371 |
| Income before extraordinary items | $-823,000 | 6,834 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-823,000 | 6,833 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-823,000 | 6,834 |
| Net charge-offs | $472,000 | 3,157 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-908,760 | 6,816 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 5,110 |
| Total interest expense | $1,210,000 | 3,282 |
| Net interest income | $1,148,000 | 6,072 |
| Provision for loan and lease losses | $610,000 | 2,542 |
| Total noninterest income | $107,000 | 5,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $107,000 | 4,534 |
| Total noninterest expense | $1,726,000 | 4,666 |
| Salaries and employee benefits | $879,000 | 4,655 |
| Premises and equipment expense | $258,000 | 4,189 |
| Additional noninterest expense | $589,000 | 4,633 |
| Pre-tax net operating income | $-1,081,000 | 7,047 |
| Securities gains (losses) | $134,000 | 1,220 |
| Applicable income taxes | $-358,000 | 7,427 |
| Income before extraordinary items | $-589,000 | 6,917 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-589,000 | 6,917 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-589,000 | 6,917 |
| Net charge-offs | $141,000 | 3,895 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-674,760 | 6,914 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,219,000 | 5,084 |
| Total interest expense | $610,000 | 3,393 |
| Net interest income | $609,000 | 5,976 |
| Provision for loan and lease losses | $160,000 | 3,259 |
| Total noninterest income | $55,000 | 5,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $55,000 | 4,521 |
| Total noninterest expense | $884,000 | 4,643 |
| Salaries and employee benefits | $458,000 | 4,602 |
| Premises and equipment expense | $137,000 | 4,128 |
| Additional noninterest expense | $289,000 | 4,699 |
| Pre-tax net operating income | $-380,000 | 7,072 |
| Securities gains (losses) | $2,000 | 2,064 |
| Applicable income taxes | $-140,000 | 7,504 |
| Income before extraordinary items | $-238,000 | 6,994 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-238,000 | 6,995 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-238,000 | 6,994 |
| Net charge-offs | $103,000 | 3,070 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-239,280 | 6,959 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,955,000 | 4,646 |
| Total interest expense | $3,040,000 | 3,383 |
| Net interest income | $2,915,000 | 5,458 |
| Provision for loan and lease losses | $202,000 | 5,771 |
| Total noninterest income | $49,000 | 7,411 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $49,000 | 6,389 |
| Total noninterest expense | $3,301,000 | 4,905 |
| Salaries and employee benefits | $1,575,000 | 5,054 |
| Premises and equipment expense | $490,000 | 4,429 |
| Additional noninterest expense | $1,236,000 | 4,664 |
| Pre-tax net operating income | $-539,000 | 6,011 |
| Securities gains (losses) | $530,000 | 845 |
| Applicable income taxes | $19,000 | 3,684 |
| Income before extraordinary items | $-28,000 | 5,583 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-28,000 | 5,581 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-28,000 | 5,581 |
| Net charge-offs | $70,000 | 5,984 |
| Cash dividends | $105,000 | 4,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-558,000 | 6,122 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,605,000 | 4,606 |
| Total interest expense | $2,378,000 | 3,402 |
| Net interest income | $2,227,000 | 5,426 |
| Provision for loan and lease losses | $160,000 | 5,436 |
| Total noninterest income | $8,000 | 7,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $8,000 | 7,336 |
| Total noninterest expense | $2,382,000 | 5,016 |
| Salaries and employee benefits | $1,200,000 | 5,042 |
| Premises and equipment expense | $365,000 | 4,503 |
| Additional noninterest expense | $817,000 | 5,006 |
| Pre-tax net operating income | $-307,000 | 6,141 |
| Securities gains (losses) | $375,000 | 849 |
| Applicable income taxes | $28,000 | 3,645 |
| Income before extraordinary items | $40,000 | 5,610 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $40,000 | 5,610 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $40,000 | 5,610 |
| Net charge-offs | $50,000 | 5,674 |
| Cash dividends | $70,000 | 3,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-200,000 | 6,092 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,170,000 | 4,557 |
| Total interest expense | $1,647,000 | 3,430 |
| Net interest income | $1,523,000 | 5,373 |
| Provision for loan and lease losses | $70,000 | 5,703 |
| Total noninterest income | $-81,000 | 8,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-81,000 | 7,943 |
| Total noninterest expense | $1,601,000 | 5,049 |
| Salaries and employee benefits | $806,000 | 5,072 |
| Premises and equipment expense | $245,000 | 4,511 |
| Additional noninterest expense | $550,000 | 4,965 |
| Pre-tax net operating income | $-229,000 | 6,332 |
| Securities gains (losses) | $279,000 | 806 |
| Applicable income taxes | $21,000 | 3,672 |
| Income before extraordinary items | $29,000 | 5,718 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $29,000 | 5,716 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $29,000 | 5,716 |
| Net charge-offs | $8,000 | 6,088 |
| Cash dividends | $70,000 | 3,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-149,560 | 6,256 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,618,000 | 4,536 |
| Total interest expense | $836,000 | 3,509 |
| Net interest income | $782,000 | 5,282 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $38,000 | 6,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $38,000 | 5,265 |
| Total noninterest expense | $751,000 | 5,181 |
| Salaries and employee benefits | $400,000 | 5,147 |
| Premises and equipment expense | $120,000 | 4,618 |
| Additional noninterest expense | $231,000 | 5,172 |
| Pre-tax net operating income | $24,000 | 5,964 |
| Securities gains (losses) | $106,000 | 969 |
| Applicable income taxes | $55,000 | 2,803 |
| Income before extraordinary items | $75,000 | 5,314 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $75,000 | 5,319 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $75,000 | 5,318 |
| Net charge-offs | $7,000 | 4,941 |
| Cash dividends | $35,000 | 2,800 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $7,160 | 6,174 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,361,000 | 4,772 |
| Total interest expense | $3,490,000 | 3,860 |
| Net interest income | $2,871,000 | 5,531 |
| Provision for loan and lease losses | $150,000 | 5,553 |
| Total noninterest income | $268,000 | 6,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $268,000 | 4,301 |
| Total noninterest expense | $2,899,000 | 5,230 |
| Salaries and employee benefits | $1,602,000 | 5,122 |
| Premises and equipment expense | $461,000 | 4,691 |
| Additional noninterest expense | $836,000 | 5,359 |
| Pre-tax net operating income | $90,000 | 6,052 |
| Securities gains (losses) | $125,000 | 975 |
| Applicable income taxes | $93,000 | 3,431 |
| Income before extraordinary items | $122,000 | 5,782 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $122,000 | 5,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 4,681 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $42,000 | 6,200 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,786,000 | 4,826 |
| Total interest expense | $2,660,000 | 3,922 |
| Net interest income | $2,126,000 | 5,617 |
| Provision for loan and lease losses | $125,000 | 4,866 |
| Total noninterest income | $215,000 | 5,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $215,000 | 4,283 |
| Total noninterest expense | $2,146,000 | 5,251 |
| Salaries and employee benefits | $1,181,000 | 5,218 |
| Premises and equipment expense | $347,000 | 4,691 |
| Additional noninterest expense | $618,000 | 5,344 |
| Pre-tax net operating income | $70,000 | 6,516 |
| Securities gains (losses) | $96,000 | 991 |
| Applicable income taxes | $73,000 | 3,849 |
| Income before extraordinary items | $93,000 | 6,217 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $93,000 | 6,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,808 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $31,560 | 6,645 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 4,882 |
| Total interest expense | $1,823,000 | 3,975 |
| Net interest income | $1,380,000 | 5,710 |
| Provision for loan and lease losses | $85,000 | 4,532 |
| Total noninterest income | $154,000 | 5,935 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $154,000 | 4,270 |
| Total noninterest expense | $1,425,000 | 5,290 |
| Salaries and employee benefits | $779,000 | 5,308 |
| Premises and equipment expense | $231,000 | 4,726 |
| Additional noninterest expense | $415,000 | 5,313 |
| Pre-tax net operating income | $24,000 | 6,821 |
| Securities gains (losses) | $97,000 | 990 |
| Applicable income taxes | $57,000 | 3,961 |
| Income before extraordinary items | $64,000 | 6,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $64,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,165 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,920 | 6,950 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,607,000 | 4,953 |
| Total interest expense | $945,000 | 4,044 |
| Net interest income | $662,000 | 5,840 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $77,000 | 5,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $77,000 | 4,274 |
| Total noninterest expense | $705,000 | 5,345 |
| Salaries and employee benefits | $384,000 | 5,368 |
| Premises and equipment expense | $118,000 | 4,678 |
| Additional noninterest expense | $203,000 | 5,333 |
| Pre-tax net operating income | $-26,000 | 7,313 |
| Securities gains (losses) | $84,000 | 798 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $31,000 | 6,863 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $31,000 | 6,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,908 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-22,760 | 7,341 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,029,000 | 5,219 |
| Total interest expense | $3,483,000 | 4,351 |
| Net interest income | $2,546,000 | 5,924 |
| Provision for loan and lease losses | $101,000 | 4,886 |
| Total noninterest income | $264,000 | 6,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $264,000 | 4,479 |
| Total noninterest expense | $2,614,000 | 5,468 |
| Salaries and employee benefits | $1,433,000 | 5,447 |
| Premises and equipment expense | $412,000 | 4,932 |
| Additional noninterest expense | $769,000 | 5,474 |
| Pre-tax net operating income | $95,000 | 7,163 |
| Securities gains (losses) | $76,000 | 679 |
| Applicable income taxes | $76,000 | 4,664 |
| Income before extraordinary items | $95,000 | 7,156 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $95,000 | 7,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,608 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $46,360 | 7,305 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,446,000 | 5,291 |
| Total interest expense | $2,576,000 | 4,391 |
| Net interest income | $1,870,000 | 6,017 |
| Provision for loan and lease losses | $51,000 | 5,015 |
| Total noninterest income | $190,000 | 6,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $190,000 | 4,582 |
| Total noninterest expense | $1,844,000 | 5,623 |
| Salaries and employee benefits | $1,047,000 | 5,500 |
| Premises and equipment expense | $301,000 | 5,014 |
| Additional noninterest expense | $496,000 | 5,830 |
| Pre-tax net operating income | $165,000 | 7,087 |
| Securities gains (losses) | $16,000 | 875 |
| Applicable income taxes | $80,000 | 4,619 |
| Income before extraordinary items | $101,000 | 7,266 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $101,000 | 7,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,520 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $90,760 | 7,302 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,868,000 | 5,399 |
| Total interest expense | $1,652,000 | 4,498 |
| Net interest income | $1,216,000 | 6,127 |
| Provision for loan and lease losses | $41,000 | 4,614 |
| Total noninterest income | $127,000 | 6,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $127,000 | 4,637 |
| Total noninterest expense | $1,202,000 | 5,724 |
| Salaries and employee benefits | $681,000 | 5,651 |
| Premises and equipment expense | $201,000 | 5,023 |
| Additional noninterest expense | $320,000 | 5,947 |
| Pre-tax net operating income | $100,000 | 7,243 |
| Securities gains (losses) | $16,000 | 755 |
| Applicable income taxes | $51,000 | 4,756 |
| Income before extraordinary items | $65,000 | 7,371 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $65,000 | 7,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $54,760 | 7,444 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,406,000 | 5,457 |
| Total interest expense | $807,000 | 4,551 |
| Net interest income | $599,000 | 6,165 |
| Provision for loan and lease losses | $21,000 | 4,310 |
| Total noninterest income | $68,000 | 6,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $68,000 | 4,516 |
| Total noninterest expense | $594,000 | 5,779 |
| Salaries and employee benefits | $336,000 | 5,720 |
| Premises and equipment expense | $101,000 | 5,017 |
| Additional noninterest expense | $157,000 | 6,002 |
| Pre-tax net operating income | $52,000 | 7,250 |
| Securities gains (losses) | $16,000 | 605 |
| Applicable income taxes | $29,000 | 4,646 |
| Income before extraordinary items | $39,000 | 7,321 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $39,000 | 7,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $28,760 | 7,475 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,615,000 | 5,775 |
| Total interest expense | $2,483,000 | 4,841 |
| Net interest income | $2,132,000 | 6,413 |
| Provision for loan and lease losses | $25,000 | 6,138 |
| Total noninterest income | $271,000 | 6,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $271,000 | 4,498 |
| Total noninterest expense | $2,238,000 | 5,823 |
| Salaries and employee benefits | $1,224,000 | 5,849 |
| Premises and equipment expense | $405,000 | 4,878 |
| Additional noninterest expense | $609,000 | 6,026 |
| Pre-tax net operating income | $140,000 | 7,587 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $58,000 | 5,351 |
| Income before extraordinary items | $82,000 | 7,732 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $82,000 | 7,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $3,722,000 | 344 |
| Net operating income | $82,000 | 7,724 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,281,000 | 5,925 |
| Total interest expense | $1,724,000 | 4,969 |
| Net interest income | $1,557,000 | 6,534 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $206,000 | 6,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $206,000 | 4,474 |
| Total noninterest expense | $1,663,000 | 5,833 |
| Salaries and employee benefits | $900,000 | 5,880 |
| Premises and equipment expense | $304,000 | 4,894 |
| Additional noninterest expense | $459,000 | 6,015 |
| Pre-tax net operating income | $100,000 | 7,806 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $27,000 | 5,818 |
| Income before extraordinary items | $73,000 | 7,856 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $73,000 | 7,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $3,722,000 | 262 |
| Net operating income | $73,000 | 7,853 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,062,000 | 6,040 |
| Total interest expense | $1,068,000 | 5,054 |
| Net interest income | $994,000 | 6,670 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $142,000 | 6,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $142,000 | 4,398 |
| Total noninterest expense | $1,089,000 | 5,920 |
| Salaries and employee benefits | $572,000 | 6,048 |
| Premises and equipment expense | $201,000 | 4,913 |
| Additional noninterest expense | $316,000 | 5,912 |
| Pre-tax net operating income | $47,000 | 7,972 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $11,000 | 6,097 |
| Income before extraordinary items | $36,000 | 7,995 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $36,000 | 7,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $3,722,000 | 179 |
| Net operating income | $36,000 | 7,993 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $993,000 | 6,115 |
| Total interest expense | $501,000 | 5,114 |
| Net interest income | $492,000 | 6,723 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $75,000 | 6,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $75,000 | 4,279 |
| Total noninterest expense | $540,000 | 5,949 |
| Salaries and employee benefits | $271,000 | 6,225 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $168,000 | 5,721 |
| Pre-tax net operating income | $27,000 | 7,964 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $7,000 | 5,939 |
| Income before extraordinary items | $20,000 | 7,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 7,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $20,000 | 7,975 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,427,000 | 6,246 |
| Total interest expense | $1,705,000 | 4,899 |
| Net interest income | $1,722,000 | 7,002 |
| Provision for loan and lease losses | $-20,000 | 8,519 |
| Total noninterest income | $300,000 | 6,327 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $300,000 | 4,334 |
| Total noninterest expense | $2,034,000 | 6,056 |
| Salaries and employee benefits | $1,097,000 | 6,071 |
| Premises and equipment expense | $365,000 | 5,152 |
| Additional noninterest expense | $572,000 | 6,200 |
| Pre-tax net operating income | $8,000 | 8,220 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $-6,000 | 8,437 |
| Income before extraordinary items | $16,000 | 8,235 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $16,000 | 8,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $14,000 | 8,208 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,497,000 | 6,325 |
| Total interest expense | $1,239,000 | 4,853 |
| Net interest income | $1,258,000 | 7,090 |
| Provision for loan and lease losses | $-20,000 | 8,613 |
| Total noninterest income | $208,000 | 6,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $208,000 | 4,530 |
| Total noninterest expense | $1,543,000 | 5,981 |
| Salaries and employee benefits | $837,000 | 5,971 |
| Premises and equipment expense | $275,000 | 5,115 |
| Additional noninterest expense | $431,000 | 6,157 |
| Pre-tax net operating income | $-57,000 | 8,391 |
| Securities gains (losses) | $13,000 | 1,390 |
| Applicable income taxes | $-21,000 | 8,635 |
| Income before extraordinary items | $-23,000 | 8,379 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-23,000 | 8,380 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,463 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-31,320 | 8,363 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,594,000 | 6,383 |
| Total interest expense | $784,000 | 4,840 |
| Net interest income | $810,000 | 7,160 |
| Provision for loan and lease losses | $-20,000 | 8,648 |
| Total noninterest income | $148,000 | 6,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $148,000 | 4,350 |
| Total noninterest expense | $1,065,000 | 5,852 |
| Salaries and employee benefits | $582,000 | 5,850 |
| Premises and equipment expense | $186,000 | 5,060 |
| Additional noninterest expense | $297,000 | 6,030 |
| Pre-tax net operating income | $-87,000 | 8,468 |
| Securities gains (losses) | $13,000 | 1,257 |
| Applicable income taxes | $-28,000 | 8,678 |
| Income before extraordinary items | $-46,000 | 8,462 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-46,000 | 8,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-54,320 | 8,439 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $752,000 | 6,554 |
| Total interest expense | $362,000 | 4,965 |
| Net interest income | $390,000 | 7,310 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $92,000 | 5,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $92,000 | 3,905 |
| Total noninterest expense | $528,000 | 5,919 |
| Salaries and employee benefits | $290,000 | 5,894 |
| Premises and equipment expense | $89,000 | 5,250 |
| Additional noninterest expense | $149,000 | 6,036 |
| Pre-tax net operating income | $-46,000 | 8,573 |
| Securities gains (losses) | $13,000 | 933 |
| Applicable income taxes | $-11,000 | 8,706 |
| Income before extraordinary items | $-22,000 | 8,532 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-22,000 | 8,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-30,710 | 8,524 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,484,000 | 6,905 |
| Total interest expense | $995,000 | 5,667 |
| Net interest income | $1,489,000 | 7,318 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $190,000 | 7,233 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $190,000 | 5,212 |
| Total noninterest expense | $1,699,000 | 6,540 |
| Salaries and employee benefits | $907,000 | 6,584 |
| Premises and equipment expense | $285,000 | 5,821 |
| Additional noninterest expense | $507,000 | 6,492 |
| Pre-tax net operating income | $-20,000 | 8,417 |
| Securities gains (losses) | $80,000 | 1,394 |
| Applicable income taxes | $24,000 | 6,462 |
| Income before extraordinary items | $36,000 | 8,330 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $36,000 | 8,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,144 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,305,000 | 326 |
| Net operating income | $-15,200 | 8,423 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,700,000 | 7,141 |
| Total interest expense | $661,000 | 5,984 |
| Net interest income | $1,039,000 | 7,497 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $140,000 | 7,309 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $140,000 | 5,263 |
| Total noninterest expense | $1,128,000 | 6,849 |
| Salaries and employee benefits | $633,000 | 6,768 |
| Premises and equipment expense | $198,000 | 6,006 |
| Additional noninterest expense | $297,000 | 7,114 |
| Pre-tax net operating income | $51,000 | 8,302 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $23,000 | 6,442 |
| Income before extraordinary items | $28,000 | 8,404 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $28,000 | 8,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,953 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,305,000 | 236 |
| Net operating income | $28,000 | 8,365 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,040,000 | 7,356 |
| Total interest expense | $388,000 | 6,362 |
| Net interest income | $652,000 | 7,653 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $87,000 | 7,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $87,000 | 5,445 |
| Total noninterest expense | $715,000 | 7,026 |
| Salaries and employee benefits | $405,000 | 6,910 |
| Premises and equipment expense | $128,000 | 6,144 |
| Additional noninterest expense | $182,000 | 7,348 |
| Pre-tax net operating income | $24,000 | 8,393 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $12,000 | 6,573 |
| Income before extraordinary items | $12,000 | 8,499 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $12,000 | 8,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $2,305,000 | 158 |
| Net operating income | $12,000 | 8,440 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $507,000 | 7,460 |
| Total interest expense | $181,000 | 6,600 |
| Net interest income | $326,000 | 7,686 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $45,000 | 7,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $45,000 | 5,324 |
| Total noninterest expense | $344,000 | 7,171 |
| Salaries and employee benefits | $202,000 | 6,950 |
| Premises and equipment expense | $62,000 | 6,230 |
| Additional noninterest expense | $80,000 | 7,636 |
| Pre-tax net operating income | $27,000 | 8,227 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $11,000 | 6,197 |
| Income before extraordinary items | $16,000 | 8,388 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $16,000 | 8,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $16,000 | 8,321 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 7,636 |
| Total interest expense | $826,000 | 6,633 |
| Net interest income | $1,092,000 | 7,976 |
| Provision for loan and lease losses | $-50,000 | 8,982 |
| Total noninterest income | $275,000 | 6,770 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $275,000 | 4,675 |
| Total noninterest expense | $1,425,000 | 7,027 |
| Salaries and employee benefits | $829,000 | 6,813 |
| Premises and equipment expense | $250,000 | 6,180 |
| Additional noninterest expense | $346,000 | 7,474 |
| Pre-tax net operating income | $-8,000 | 8,546 |
| Securities gains (losses) | $51,000 | 2,493 |
| Applicable income taxes | $16,000 | 6,881 |
| Income before extraordinary items | $27,000 | 8,543 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $27,000 | 8,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-5,640 | 8,544 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 7,764 |
| Total interest expense | $643,000 | 6,681 |
| Net interest income | $774,000 | 8,125 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $213,000 | 6,743 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $213,000 | 4,667 |
| Total noninterest expense | $1,032,000 | 7,121 |
| Salaries and employee benefits | $613,000 | 6,863 |
| Premises and equipment expense | $187,000 | 6,172 |
| Additional noninterest expense | $232,000 | 7,716 |
| Pre-tax net operating income | $-45,000 | 8,714 |
| Securities gains (losses) | $55,000 | 2,240 |
| Applicable income taxes | $-4,000 | 8,875 |
| Income before extraordinary items | $14,000 | 8,677 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $14,000 | 8,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-41,000 | 8,707 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $952,000 | 7,807 |
| Total interest expense | $439,000 | 6,740 |
| Net interest income | $513,000 | 8,181 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $111,000 | 7,204 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $111,000 | 5,141 |
| Total noninterest expense | $673,000 | 7,197 |
| Salaries and employee benefits | $397,000 | 6,961 |
| Premises and equipment expense | $117,000 | 6,344 |
| Additional noninterest expense | $159,000 | 7,655 |
| Pre-tax net operating income | $-49,000 | 8,767 |
| Securities gains (losses) | $65,000 | 1,837 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $15,000 | 8,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $15,000 | 8,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-46,100 | 8,763 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $477,000 | 7,852 |
| Total interest expense | $221,000 | 6,805 |
| Net interest income | $256,000 | 8,208 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $51,000 | 7,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $333,000 | 7,254 |
| Salaries and employee benefits | $197,000 | 7,018 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $77,000 | 7,754 |
| Pre-tax net operating income | $-26,000 | 8,831 |
| Securities gains (losses) | $35,000 | 1,588 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $8,000 | 8,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 8,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-23,150 | 8,791 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,191,000 | 7,655 |
| Total interest expense | $1,096,000 | 6,697 |
| Net interest income | $1,095,000 | 8,122 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $200,000 | 7,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $200,000 | 5,031 |
| Total noninterest expense | $1,290,000 | 7,274 |
| Salaries and employee benefits | $746,000 | 7,099 |
| Premises and equipment expense | $228,000 | 6,413 |
| Additional noninterest expense | $316,000 | 7,695 |
| Pre-tax net operating income | $5,000 | 8,612 |
| Securities gains (losses) | $68,000 | 2,124 |
| Applicable income taxes | $10,000 | 7,292 |
| Income before extraordinary items | $63,000 | 8,494 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $63,000 | 8,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,520 | 8,630 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,497,000 | 7,753 |
| Total interest expense | $1,490,000 | 6,996 |
| Net interest income | $1,007,000 | 8,271 |
| Provision for loan and lease losses | $-25,000 | 9,475 |
| Total noninterest income | $136,000 | 8,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $136,000 | 5,723 |
| Total noninterest expense | $1,196,000 | 7,472 |
| Salaries and employee benefits | $639,000 | 7,479 |
| Premises and equipment expense | $235,000 | 6,282 |
| Additional noninterest expense | $322,000 | 7,691 |
| Pre-tax net operating income | $-28,000 | 8,780 |
| Securities gains (losses) | $120,000 | 1,604 |
| Applicable income taxes | $42,000 | 6,847 |
| Income before extraordinary items | $50,000 | 8,605 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $50,000 | 8,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-26,800 | 8,789 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,452,000 | 7,959 |
| Total interest expense | $1,536,000 | 7,079 |
| Net interest income | $916,000 | 8,655 |
| Provision for loan and lease losses | $48,000 | 6,621 |
| Total noninterest income | $217,000 | 7,101 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $217,000 | 4,604 |
| Total noninterest expense | $1,092,000 | 7,760 |
| Salaries and employee benefits | $544,000 | 8,012 |
| Premises and equipment expense | $217,000 | 6,509 |
| Additional noninterest expense | $331,000 | 7,706 |
| Pre-tax net operating income | $-7,000 | 9,150 |
| Securities gains (losses) | $-13,000 | 8,489 |
| Applicable income taxes | $-31,000 | 9,427 |
| Income before extraordinary items | $11,000 | 9,103 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $11,000 | 9,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,940 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $19,320 | 9,062 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,042,000 | 8,446 |
| Total interest expense | $1,055,000 | 8,033 |
| Net interest income | $987,000 | 8,663 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $365,000 | 5,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $365,000 | 3,611 |
| Total noninterest expense | $1,179,000 | 7,617 |
| Salaries and employee benefits | $620,000 | 7,644 |
| Premises and equipment expense | $212,000 | 6,619 |
| Additional noninterest expense | $347,000 | 7,723 |
| Pre-tax net operating income | $113,000 | 9,010 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-28,000 | 9,752 |
| Income before extraordinary items | $141,000 | 8,707 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $141,000 | 8,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,236 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $141,000 | 8,663 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 9,103 |
| Total interest expense | $878,000 | 8,742 |
| Net interest income | $771,000 | 9,329 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $484,000 | 5,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $484,000 | 3,038 |
| Total noninterest expense | $1,124,000 | 7,753 |
| Salaries and employee benefits | $578,000 | 7,882 |
| Premises and equipment expense | $288,000 | 5,507 |
| Additional noninterest expense | $258,000 | 8,527 |
| Pre-tax net operating income | $116,000 | 9,337 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $47,000 | 8,390 |
| Income before extraordinary items | $69,000 | 9,519 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $69,000 | 9,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $69,000 | 9,455 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,590,000 | 9,563 |
| Total interest expense | $795,000 | 9,276 |
| Net interest income | $795,000 | 9,684 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $312,000 | 6,517 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $312,000 | 3,831 |
| Total noninterest expense | $1,050,000 | 8,173 |
| Salaries and employee benefits | $613,000 | 7,832 |
| Premises and equipment expense | $190,000 | 7,020 |
| Additional noninterest expense | $247,000 | 8,886 |
| Pre-tax net operating income | $57,000 | 10,222 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $10,000 | 9,895 |
| Income before extraordinary items | $47,000 | 10,253 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $47,000 | 10,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,643 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $47,000 | 10,216 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $825,000 | 11,004 |
| Total interest expense | $350,000 | 10,985 |
| Net interest income | $475,000 | 10,943 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $72,000 | 10,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $72,000 | 8,006 |
| Total noninterest expense | $520,000 | 10,502 |
| Salaries and employee benefits | $321,000 | 10,171 |
| Premises and equipment expense | $66,000 | 10,194 |
| Additional noninterest expense | $133,000 | 10,756 |
| Pre-tax net operating income | $27,000 | 10,689 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $27,000 | 10,691 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $27,000 | 10,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,797 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $27,000 | 10,642 |
* 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.