Home > Monarch Community Bank > Income and Expense
Monarch Community Bank, Income and Expense
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,748,000 | 3,153 |
| Total interest expense | $111,000 | 4,080 |
| Net interest income | $1,637,000 | 3,038 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $659,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $201,000 | 1,441 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $458,000 | 1,611 |
| Total noninterest expense | $5,288,000 | 978 |
| Salaries and employee benefits | $2,062,000 | 1,338 |
| Premises and equipment expense | $280,000 | 2,062 |
| Additional noninterest expense | $2,946,000 | 567 |
| Pre-tax net operating income | $-2,992,000 | 6,413 |
| Securities gains (losses) | $97,000 | 602 |
| Applicable income taxes | $20,000 | 3,527 |
| Income before extraordinary items | $-2,915,000 | 6,404 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $-2,915,000 | 6,405 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $-2,915,000 | 6,405 |
| Net charge-offs | $4,000 | 2,829 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $-3,012,000 | 6,404 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $7,567,000 | 2,995 |
| Total interest expense | $565,000 | 3,759 |
| Net interest income | $7,002,000 | 2,887 |
| Provision for loan and lease losses | $-90,000 | 6,026 |
| Total noninterest income | $2,663,000 | 1,717 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $925,000 | 1,395 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,738,000 | 1,620 |
| Total noninterest expense | $9,657,000 | 1,964 |
| Salaries and employee benefits | $5,094,000 | 2,006 |
| Premises and equipment expense | $1,083,000 | 2,102 |
| Additional noninterest expense | $3,480,000 | 1,781 |
| Pre-tax net operating income | $98,000 | 5,885 |
| Securities gains (losses) | $23,000 | 2,251 |
| Applicable income taxes | $50,000 | 3,711 |
| Income before extraordinary items | $71,000 | 5,966 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $71,000 | 5,966 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $71,000 | 5,967 |
| Net charge-offs | $446,000 | 1,593 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $56,280 | 5,956 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 2,994 |
| Total interest expense | $436,000 | 3,757 |
| Net interest income | $5,295,000 | 2,900 |
| Provision for loan and lease losses | $-91,000 | 6,192 |
| Total noninterest income | $2,081,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $691,000 | 1,408 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,390,000 | 1,541 |
| Total noninterest expense | $7,235,000 | 1,961 |
| Salaries and employee benefits | $3,892,000 | 1,981 |
| Premises and equipment expense | $832,000 | 2,077 |
| Additional noninterest expense | $2,511,000 | 1,839 |
| Pre-tax net operating income | $232,000 | 5,550 |
| Securities gains (losses) | $23,000 | 1,945 |
| Applicable income taxes | $37,000 | 3,773 |
| Income before extraordinary items | $218,000 | 5,507 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $218,000 | 5,507 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $218,000 | 5,508 |
| Net charge-offs | $193,000 | 2,035 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $198,450 | 5,532 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $3,818,000 | 3,002 |
| Total interest expense | $296,000 | 3,762 |
| Net interest income | $3,522,000 | 2,901 |
| Provision for loan and lease losses | $-91,000 | 6,330 |
| Total noninterest income | $1,352,000 | 1,667 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $445,000 | 1,433 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $907,000 | 1,551 |
| Total noninterest expense | $4,778,000 | 1,982 |
| Salaries and employee benefits | $2,523,000 | 2,046 |
| Premises and equipment expense | $566,000 | 2,049 |
| Additional noninterest expense | $1,689,000 | 1,818 |
| Pre-tax net operating income | $187,000 | 5,378 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $25,000 | 3,746 |
| Income before extraordinary items | $162,000 | 5,408 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $162,000 | 5,410 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $162,000 | 5,411 |
| Net charge-offs | $71,000 | 2,488 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $162,000 | 5,365 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,911,000 | 3,020 |
| Total interest expense | $154,000 | 3,726 |
| Net interest income | $1,757,000 | 2,917 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $721,000 | 1,559 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $214,000 | 1,460 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $507,000 | 1,406 |
| Total noninterest expense | $2,415,000 | 1,968 |
| Salaries and employee benefits | $1,282,000 | 2,023 |
| Premises and equipment expense | $303,000 | 1,968 |
| Additional noninterest expense | $830,000 | 1,828 |
| Pre-tax net operating income | $63,000 | 5,630 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $12,000 | 3,740 |
| Income before extraordinary items | $51,000 | 5,697 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $51,000 | 5,698 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $51,000 | 5,698 |
| Net charge-offs | $-6,000 | 5,539 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $51,000 | 5,660 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $7,498,000 | 3,084 |
| Total interest expense | $1,166,000 | 2,622 |
| Net interest income | $6,332,000 | 3,131 |
| Provision for loan and lease losses | $437,000 | 2,001 |
| Total noninterest income | $3,536,000 | 1,440 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $936,000 | 1,445 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,600,000 | 1,264 |
| Total noninterest expense | $11,388,000 | 1,690 |
| Salaries and employee benefits | $6,178,000 | 1,654 |
| Premises and equipment expense | $1,176,000 | 1,953 |
| Additional noninterest expense | $4,034,000 | 1,607 |
| Pre-tax net operating income | $-1,957,000 | 6,656 |
| Securities gains (losses) | $-2,000 | 6,101 |
| Applicable income taxes | $-13,000 | 6,313 |
| Income before extraordinary items | $-1,946,000 | 6,668 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,946,000 | 6,668 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-1,946,000 | 6,668 |
| Net charge-offs | $800,000 | 1,489 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-1,944,020 | 6,660 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $5,712,000 | 3,081 |
| Total interest expense | $990,000 | 2,463 |
| Net interest income | $4,722,000 | 3,168 |
| Provision for loan and lease losses | $437,000 | 1,691 |
| Total noninterest income | $2,918,000 | 1,373 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $706,000 | 1,450 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,212,000 | 1,185 |
| Total noninterest expense | $8,780,000 | 1,651 |
| Salaries and employee benefits | $4,744,000 | 1,636 |
| Premises and equipment expense | $883,000 | 1,960 |
| Additional noninterest expense | $3,153,000 | 1,562 |
| Pre-tax net operating income | $-1,577,000 | 6,761 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $67,000 | 3,556 |
| Income before extraordinary items | $-1,644,000 | 6,772 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,644,000 | 6,773 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,644,000 | 6,773 |
| Net charge-offs | $478,000 | 1,637 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,644,000 | 6,765 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,849,000 | 3,056 |
| Total interest expense | $706,000 | 2,378 |
| Net interest income | $3,143,000 | 3,172 |
| Provision for loan and lease losses | $386,000 | 1,414 |
| Total noninterest income | $2,102,000 | 1,318 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $469,000 | 1,418 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,633,000 | 1,135 |
| Total noninterest expense | $5,851,000 | 1,640 |
| Salaries and employee benefits | $3,138,000 | 1,655 |
| Premises and equipment expense | $581,000 | 1,982 |
| Additional noninterest expense | $2,132,000 | 1,534 |
| Pre-tax net operating income | $-992,000 | 6,790 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $57,000 | 3,427 |
| Income before extraordinary items | $-1,049,000 | 6,820 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,049,000 | 6,821 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-1,049,000 | 6,821 |
| Net charge-offs | $677,000 | 1,019 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-1,049,000 | 6,805 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,983,000 | 3,007 |
| Total interest expense | $374,000 | 2,336 |
| Net interest income | $1,609,000 | 3,127 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $1,007,000 | 1,357 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $236,000 | 1,401 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $771,000 | 1,182 |
| Total noninterest expense | $2,892,000 | 1,676 |
| Salaries and employee benefits | $1,583,000 | 1,660 |
| Premises and equipment expense | $304,000 | 1,944 |
| Additional noninterest expense | $1,005,000 | 1,608 |
| Pre-tax net operating income | $-276,000 | 6,776 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $9,000 | 3,970 |
| Income before extraordinary items | $-285,000 | 6,808 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-285,000 | 6,808 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-285,000 | 6,808 |
| Net charge-offs | $389,000 | 896 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-285,000 | 6,793 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,777,000 | 2,879 |
| Total interest expense | $2,107,000 | 2,053 |
| Net interest income | $6,670,000 | 3,104 |
| Provision for loan and lease losses | $-1,042,000 | 7,029 |
| Total noninterest income | $3,272,000 | 1,548 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,046,000 | 1,364 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,226,000 | 1,436 |
| Total noninterest expense | $11,095,000 | 1,736 |
| Salaries and employee benefits | $5,711,000 | 1,772 |
| Premises and equipment expense | $1,079,000 | 2,123 |
| Additional noninterest expense | $4,305,000 | 1,565 |
| Pre-tax net operating income | $-111,000 | 6,292 |
| Securities gains (losses) | $12,000 | 3,338 |
| Applicable income taxes | $-21,000 | 6,579 |
| Income before extraordinary items | $-78,000 | 6,395 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-78,000 | 6,389 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-78,000 | 6,391 |
| Net charge-offs | $578,000 | 2,463 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-87,480 | 6,280 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,714,000 | 2,893 |
| Total interest expense | $1,692,000 | 2,017 |
| Net interest income | $5,022,000 | 3,148 |
| Provision for loan and lease losses | $57,000 | 4,860 |
| Total noninterest income | $2,178,000 | 1,681 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $796,000 | 1,351 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,382,000 | 1,602 |
| Total noninterest expense | $8,086,000 | 1,779 |
| Salaries and employee benefits | $4,101,000 | 1,839 |
| Premises and equipment expense | $812,000 | 2,146 |
| Additional noninterest expense | $3,173,000 | 1,577 |
| Pre-tax net operating income | $-943,000 | 6,816 |
| Securities gains (losses) | $9,000 | 3,149 |
| Applicable income taxes | $36,000 | 3,940 |
| Income before extraordinary items | $-970,000 | 6,876 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-970,000 | 6,873 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-970,000 | 6,874 |
| Net charge-offs | $1,148,000 | 1,331 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-979,000 | 6,844 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,576,000 | 2,868 |
| Total interest expense | $1,198,000 | 1,970 |
| Net interest income | $3,378,000 | 3,129 |
| Provision for loan and lease losses | $53,000 | 4,527 |
| Total noninterest income | $1,419,000 | 1,692 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $523,000 | 1,359 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $896,000 | 1,619 |
| Total noninterest expense | $5,238,000 | 1,836 |
| Salaries and employee benefits | $2,644,000 | 1,896 |
| Premises and equipment expense | $517,000 | 2,225 |
| Additional noninterest expense | $2,077,000 | 1,614 |
| Pre-tax net operating income | $-494,000 | 6,815 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $24,000 | 3,925 |
| Income before extraordinary items | $-518,000 | 6,873 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-518,000 | 6,873 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-518,000 | 6,874 |
| Net charge-offs | $941,000 | 1,189 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-518,000 | 6,837 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,339,000 | 2,844 |
| Total interest expense | $633,000 | 1,941 |
| Net interest income | $1,706,000 | 3,116 |
| Provision for loan and lease losses | $28,000 | 4,279 |
| Total noninterest income | $517,000 | 2,098 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $259,000 | 1,358 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $258,000 | 2,300 |
| Total noninterest expense | $2,549,000 | 1,871 |
| Salaries and employee benefits | $1,291,000 | 1,950 |
| Premises and equipment expense | $243,000 | 2,353 |
| Additional noninterest expense | $1,015,000 | 1,628 |
| Pre-tax net operating income | $-354,000 | 6,979 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $12,000 | 3,924 |
| Income before extraordinary items | $-366,000 | 7,024 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-366,000 | 7,023 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-366,000 | 7,024 |
| Net charge-offs | $623,000 | 946 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-366,000 | 7,000 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,688,000 | 2,607 |
| Total interest expense | $3,639,000 | 1,651 |
| Net interest income | $7,049,000 | 3,059 |
| Provision for loan and lease losses | $733,000 | 2,873 |
| Total noninterest income | $2,654,000 | 1,643 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,168,000 | 1,260 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,486,000 | 1,654 |
| Total noninterest expense | $9,452,000 | 2,022 |
| Salaries and employee benefits | $4,464,000 | 2,174 |
| Premises and equipment expense | $872,000 | 2,713 |
| Additional noninterest expense | $4,116,000 | 1,666 |
| Pre-tax net operating income | $-482,000 | 6,398 |
| Securities gains (losses) | $469,000 | 826 |
| Applicable income taxes | $150,000 | 3,125 |
| Income before extraordinary items | $-163,000 | 6,317 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-163,000 | 6,321 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-163,000 | 6,321 |
| Net charge-offs | $2,927,000 | 1,217 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,009 |
| Net operating income | $-632,000 | 6,495 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,258,000 | 2,557 |
| Total interest expense | $2,889,000 | 1,633 |
| Net interest income | $5,369,000 | 3,035 |
| Provision for loan and lease losses | $304,000 | 3,585 |
| Total noninterest income | $1,926,000 | 1,651 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $874,000 | 1,275 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,052,000 | 1,715 |
| Total noninterest expense | $6,878,000 | 2,088 |
| Salaries and employee benefits | $3,228,000 | 2,246 |
| Premises and equipment expense | $675,000 | 2,664 |
| Additional noninterest expense | $2,975,000 | 1,713 |
| Pre-tax net operating income | $113,000 | 5,755 |
| Securities gains (losses) | $469,000 | 678 |
| Applicable income taxes | $37,000 | 3,772 |
| Income before extraordinary items | $545,000 | 4,175 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $545,000 | 4,177 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $545,000 | 4,177 |
| Net charge-offs | $1,996,000 | 1,225 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 948 |
| Net operating income | $104,140 | 5,754 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,661,000 | 2,510 |
| Total interest expense | $2,009,000 | 1,627 |
| Net interest income | $3,652,000 | 2,969 |
| Provision for loan and lease losses | $263,000 | 3,182 |
| Total noninterest income | $1,389,000 | 1,560 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $567,000 | 1,278 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $822,000 | 1,531 |
| Total noninterest expense | $4,425,000 | 2,182 |
| Salaries and employee benefits | $2,079,000 | 2,329 |
| Premises and equipment expense | $444,000 | 2,706 |
| Additional noninterest expense | $1,902,000 | 1,796 |
| Pre-tax net operating income | $353,000 | 4,394 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $26,000 | 3,713 |
| Income before extraordinary items | $327,000 | 4,320 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $327,000 | 4,319 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $327,000 | 4,321 |
| Net charge-offs | $1,196,000 | 1,325 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 903 |
| Net operating income | $327,000 | 4,234 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 2,487 |
| Total interest expense | $1,031,000 | 1,646 |
| Net interest income | $1,833,000 | 2,949 |
| Provision for loan and lease losses | $260,000 | 2,135 |
| Total noninterest income | $866,000 | 1,349 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $276,000 | 1,289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $590,000 | 1,197 |
| Total noninterest expense | $2,191,000 | 2,195 |
| Salaries and employee benefits | $1,061,000 | 2,304 |
| Premises and equipment expense | $242,000 | 2,557 |
| Additional noninterest expense | $888,000 | 1,903 |
| Pre-tax net operating income | $248,000 | 3,847 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $14,000 | 3,619 |
| Income before extraordinary items | $234,000 | 3,696 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $234,000 | 3,696 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $234,000 | 3,695 |
| Net charge-offs | $599,000 | 1,190 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 835 |
| Net operating income | $234,000 | 3,638 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,989,000 | 2,313 |
| Total interest expense | $5,372,000 | 1,546 |
| Net interest income | $7,617,000 | 2,853 |
| Provision for loan and lease losses | $11,602,000 | 593 |
| Total noninterest income | $2,868,000 | 1,604 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,259,000 | 1,194 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,609,000 | 1,625 |
| Total noninterest expense | $9,324,000 | 2,068 |
| Salaries and employee benefits | $4,230,000 | 2,278 |
| Premises and equipment expense | $834,000 | 2,895 |
| Additional noninterest expense | $4,260,000 | 1,684 |
| Pre-tax net operating income | $-10,441,000 | 7,370 |
| Securities gains (losses) | $76,000 | 2,385 |
| Applicable income taxes | $255,000 | 2,506 |
| Income before extraordinary items | $-10,620,000 | 7,394 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-10,620,000 | 7,393 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-10,620,000 | 7,394 |
| Net charge-offs | $10,535,000 | 585 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,159 |
| Net operating income | $-10,696,000 | 7,387 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,928,000 | 2,326 |
| Total interest expense | $4,134,000 | 1,569 |
| Net interest income | $5,794,000 | 2,846 |
| Provision for loan and lease losses | $11,609,000 | 443 |
| Total noninterest income | $2,340,000 | 1,500 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $969,000 | 1,207 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,371,000 | 1,430 |
| Total noninterest expense | $6,899,000 | 2,100 |
| Salaries and employee benefits | $3,240,000 | 2,240 |
| Premises and equipment expense | $636,000 | 2,893 |
| Additional noninterest expense | $3,023,000 | 1,760 |
| Pre-tax net operating income | $-10,374,000 | 7,563 |
| Securities gains (losses) | $76,000 | 2,156 |
| Applicable income taxes | $56,000 | 3,504 |
| Income before extraordinary items | $-10,354,000 | 7,583 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-10,354,000 | 7,583 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-10,354,000 | 7,583 |
| Net charge-offs | $7,714,000 | 574 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,073 |
| Net operating income | $-10,430,000 | 7,580 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,841,000 | 2,288 |
| Total interest expense | $2,842,000 | 1,593 |
| Net interest income | $3,999,000 | 2,757 |
| Provision for loan and lease losses | $8,885,000 | 392 |
| Total noninterest income | $1,599,000 | 1,447 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $657,000 | 1,187 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $942,000 | 1,351 |
| Total noninterest expense | $4,613,000 | 2,104 |
| Salaries and employee benefits | $2,170,000 | 2,238 |
| Premises and equipment expense | $424,000 | 2,911 |
| Additional noninterest expense | $2,019,000 | 1,752 |
| Pre-tax net operating income | $-7,900,000 | 7,642 |
| Securities gains (losses) | $37,000 | 2,071 |
| Applicable income taxes | $39,000 | 3,440 |
| Income before extraordinary items | $-7,902,000 | 7,663 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,902,000 | 7,663 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-7,902,000 | 7,663 |
| Net charge-offs | $4,886,000 | 587 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,012 |
| Net operating income | $-7,939,000 | 7,667 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,546,000 | 2,264 |
| Total interest expense | $1,457,000 | 1,613 |
| Net interest income | $2,089,000 | 2,665 |
| Provision for loan and lease losses | $1,845,000 | 791 |
| Total noninterest income | $887,000 | 1,354 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $319,000 | 1,227 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $568,000 | 1,175 |
| Total noninterest expense | $2,353,000 | 2,074 |
| Salaries and employee benefits | $1,113,000 | 2,219 |
| Premises and equipment expense | $216,000 | 2,938 |
| Additional noninterest expense | $1,024,000 | 1,714 |
| Pre-tax net operating income | $-1,222,000 | 7,475 |
| Securities gains (losses) | $37,000 | 1,271 |
| Applicable income taxes | $23,000 | 3,365 |
| Income before extraordinary items | $-1,208,000 | 7,518 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,208,000 | 7,519 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,208,000 | 7,519 |
| Net charge-offs | $1,360,000 | 846 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 972 |
| Net operating income | $-1,245,000 | 7,520 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,045,000 | 2,115 |
| Total interest expense | $7,338,000 | 1,610 |
| Net interest income | $8,707,000 | 2,480 |
| Provision for loan and lease losses | $13,349,000 | 670 |
| Total noninterest income | $3,703,000 | 1,379 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,406,000 | 1,227 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,297,000 | 1,242 |
| Total noninterest expense | $18,702,000 | 1,115 |
| Salaries and employee benefits | $4,626,000 | 2,126 |
| Premises and equipment expense | $1,036,000 | 2,499 |
| Additional noninterest expense | $13,040,000 | 621 |
| Pre-tax net operating income | $-19,641,000 | 7,707 |
| Securities gains (losses) | $10,000 | 3,254 |
| Applicable income taxes | $-445,000 | 7,000 |
| Income before extraordinary items | $-19,186,000 | 7,727 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-19,186,000 | 7,725 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-19,186,000 | 7,725 |
| Net charge-offs | $10,285,000 | 667 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 1,061 |
| Net operating income | $-19,195,800 | 7,729 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,233,000 | 2,113 |
| Total interest expense | $5,694,000 | 1,627 |
| Net interest income | $6,539,000 | 2,484 |
| Provision for loan and lease losses | $5,413,000 | 988 |
| Total noninterest income | $3,247,000 | 1,240 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,056,000 | 1,224 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,191,000 | 1,084 |
| Total noninterest expense | $6,773,000 | 2,198 |
| Salaries and employee benefits | $3,450,000 | 2,154 |
| Premises and equipment expense | $797,000 | 2,482 |
| Additional noninterest expense | $2,526,000 | 2,088 |
| Pre-tax net operating income | $-2,400,000 | 7,162 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $-592,000 | 7,387 |
| Income before extraordinary items | $-1,807,000 | 7,112 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,807,000 | 7,111 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,807,000 | 7,111 |
| Net charge-offs | $2,145,000 | 1,443 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $49,000 | 926 |
| Net operating income | $-1,807,750 | 7,100 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,212,000 | 2,141 |
| Total interest expense | $3,894,000 | 1,671 |
| Net interest income | $4,318,000 | 2,498 |
| Provision for loan and lease losses | $4,163,000 | 867 |
| Total noninterest income | $2,363,000 | 1,171 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $681,000 | 1,249 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,682,000 | 1,011 |
| Total noninterest expense | $4,519,000 | 2,224 |
| Salaries and employee benefits | $2,267,000 | 2,224 |
| Premises and equipment expense | $512,000 | 2,583 |
| Additional noninterest expense | $1,740,000 | 2,040 |
| Pre-tax net operating income | $-2,001,000 | 7,380 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $-496,000 | 7,576 |
| Income before extraordinary items | $-1,504,000 | 7,324 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,504,000 | 7,322 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,504,000 | 7,322 |
| Net charge-offs | $1,332,000 | 1,425 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,151 |
| Net operating income | $-1,504,750 | 7,333 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,129,000 | 2,148 |
| Total interest expense | $1,976,000 | 1,718 |
| Net interest income | $2,153,000 | 2,512 |
| Provision for loan and lease losses | $722,000 | 1,442 |
| Total noninterest income | $1,117,000 | 1,170 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $333,000 | 1,240 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $784,000 | 1,032 |
| Total noninterest expense | $2,236,000 | 2,193 |
| Salaries and employee benefits | $1,163,000 | 2,191 |
| Premises and equipment expense | $272,000 | 2,499 |
| Additional noninterest expense | $801,000 | 1,994 |
| Pre-tax net operating income | $312,000 | 3,271 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $86,000 | 2,332 |
| Income before extraordinary items | $226,000 | 3,652 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $226,000 | 3,652 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $226,000 | 3,653 |
| Net charge-offs | $231,000 | 2,024 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,009 |
| Net operating income | $226,000 | 3,507 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,409,000 | 2,181 |
| Total interest expense | $8,536,000 | 1,856 |
| Net interest income | $8,873,000 | 2,454 |
| Provision for loan and lease losses | $2,712,000 | 1,494 |
| Total noninterest income | $2,887,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,537,000 | 1,167 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,350,000 | 1,725 |
| Total noninterest expense | $8,346,000 | 2,296 |
| Salaries and employee benefits | $4,388,000 | 2,312 |
| Premises and equipment expense | $1,034,000 | 2,550 |
| Additional noninterest expense | $2,924,000 | 2,050 |
| Pre-tax net operating income | $702,000 | 4,387 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $203,000 | 2,795 |
| Income before extraordinary items | $501,000 | 4,447 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $501,000 | 4,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,817,000 | 1,378 |
| Cash dividends | $2,638,000 | 1,035 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,317 |
| Net operating income | $499,580 | 4,617 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,021,000 | 2,230 |
| Total interest expense | $6,450,000 | 1,914 |
| Net interest income | $6,571,000 | 2,510 |
| Provision for loan and lease losses | $1,488,000 | 1,440 |
| Total noninterest income | $2,280,000 | 1,610 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,162,000 | 1,171 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,118,000 | 1,677 |
| Total noninterest expense | $6,262,000 | 2,284 |
| Salaries and employee benefits | $3,317,000 | 2,320 |
| Premises and equipment expense | $780,000 | 2,549 |
| Additional noninterest expense | $2,165,000 | 2,010 |
| Pre-tax net operating income | $1,101,000 | 3,493 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $308,000 | 2,433 |
| Income before extraordinary items | $793,000 | 3,581 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $793,000 | 3,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,016,000 | 1,288 |
| Cash dividends | $2,638,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 1,170 |
| Net operating income | $793,000 | 3,723 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,674,000 | 2,263 |
| Total interest expense | $4,339,000 | 1,996 |
| Net interest income | $4,335,000 | 2,522 |
| Provision for loan and lease losses | $757,000 | 1,459 |
| Total noninterest income | $1,569,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $763,000 | 1,168 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $806,000 | 1,632 |
| Total noninterest expense | $4,210,000 | 2,262 |
| Salaries and employee benefits | $2,257,000 | 2,298 |
| Premises and equipment expense | $518,000 | 2,561 |
| Additional noninterest expense | $1,435,000 | 2,008 |
| Pre-tax net operating income | $937,000 | 3,082 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $245,000 | 2,455 |
| Income before extraordinary items | $694,000 | 3,336 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $694,000 | 3,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 1,203 |
| Cash dividends | $2,129,000 | 746 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,078 |
| Net operating income | $692,520 | 3,285 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,334,000 | 2,328 |
| Total interest expense | $2,213,000 | 2,068 |
| Net interest income | $2,121,000 | 2,573 |
| Provision for loan and lease losses | $308,000 | 1,351 |
| Total noninterest income | $795,000 | 1,569 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $384,000 | 1,143 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $411,000 | 1,595 |
| Total noninterest expense | $2,089,000 | 2,282 |
| Salaries and employee benefits | $1,139,000 | 2,310 |
| Premises and equipment expense | $263,000 | 2,559 |
| Additional noninterest expense | $687,000 | 2,044 |
| Pre-tax net operating income | $519,000 | 3,001 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $134,000 | 2,460 |
| Income before extraordinary items | $385,000 | 3,274 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $385,000 | 3,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 896 |
| Cash dividends | $1,110,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 944 |
| Net operating income | $385,000 | 3,186 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,731,000 | 2,324 |
| Total interest expense | $9,252,000 | 2,067 |
| Net interest income | $8,479,000 | 2,582 |
| Provision for loan and lease losses | $971,000 | 1,460 |
| Total noninterest income | $3,344,000 | 1,515 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,573,000 | 1,133 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,771,000 | 1,479 |
| Total noninterest expense | $8,049,000 | 2,283 |
| Salaries and employee benefits | $4,331,000 | 2,325 |
| Premises and equipment expense | $1,010,000 | 2,551 |
| Additional noninterest expense | $2,708,000 | 2,032 |
| Pre-tax net operating income | $2,803,000 | 2,591 |
| Securities gains (losses) | $-17,000 | 7,711 |
| Applicable income taxes | $679,000 | 2,338 |
| Income before extraordinary items | $2,107,000 | 2,708 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,107,000 | 2,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,171,000 | 912 |
| Cash dividends | $3,261,000 | 1,109 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 967 |
| Net operating income | $2,119,920 | 2,686 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,340,000 | 2,323 |
| Total interest expense | $6,988,000 | 2,052 |
| Net interest income | $6,352,000 | 2,606 |
| Provision for loan and lease losses | $689,000 | 1,228 |
| Total noninterest income | $2,583,000 | 1,478 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,165,000 | 1,129 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,418,000 | 1,433 |
| Total noninterest expense | $6,065,000 | 2,244 |
| Salaries and employee benefits | $3,187,000 | 2,363 |
| Premises and equipment expense | $764,000 | 2,519 |
| Additional noninterest expense | $2,114,000 | 1,910 |
| Pre-tax net operating income | $2,181,000 | 2,682 |
| Securities gains (losses) | $-18,000 | 7,926 |
| Applicable income taxes | $578,000 | 2,346 |
| Income before extraordinary items | $1,585,000 | 2,856 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,585,000 | 2,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $849,000 | 731 |
| Cash dividends | $150,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 848 |
| Net operating income | $1,598,140 | 2,818 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,911,000 | 2,334 |
| Total interest expense | $4,680,000 | 2,050 |
| Net interest income | $4,231,000 | 2,631 |
| Provision for loan and lease losses | $470,000 | 1,081 |
| Total noninterest income | $1,729,000 | 1,494 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $732,000 | 1,212 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $997,000 | 1,404 |
| Total noninterest expense | $4,005,000 | 2,278 |
| Salaries and employee benefits | $2,128,000 | 2,401 |
| Premises and equipment expense | $513,000 | 2,523 |
| Additional noninterest expense | $1,364,000 | 1,978 |
| Pre-tax net operating income | $1,485,000 | 2,691 |
| Securities gains (losses) | $-19,000 | 8,128 |
| Applicable income taxes | $387,000 | 2,419 |
| Income before extraordinary items | $1,079,000 | 2,870 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,079,000 | 2,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 1,011 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 766 |
| Net operating income | $1,093,060 | 2,822 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,470,000 | 2,327 |
| Total interest expense | $2,363,000 | 2,030 |
| Net interest income | $2,107,000 | 2,639 |
| Provision for loan and lease losses | $225,000 | 1,053 |
| Total noninterest income | $883,000 | 1,433 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $352,000 | 1,226 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $531,000 | 1,299 |
| Total noninterest expense | $2,035,000 | 2,262 |
| Salaries and employee benefits | $1,058,000 | 2,429 |
| Premises and equipment expense | $253,000 | 2,561 |
| Additional noninterest expense | $724,000 | 1,850 |
| Pre-tax net operating income | $730,000 | 2,722 |
| Securities gains (losses) | $-19,000 | 8,368 |
| Applicable income taxes | $164,000 | 2,653 |
| Income before extraordinary items | $547,000 | 2,828 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $547,000 | 2,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 895 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 654 |
| Net operating income | $561,630 | 2,765 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,220,000 | 2,258 |
| Total interest expense | $8,690,000 | 1,906 |
| Net interest income | $8,530,000 | 2,640 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,736,000 | 1,757 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,418,000 | 1,260 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,318,000 | 1,825 |
| Total noninterest expense | $8,920,000 | 1,979 |
| Salaries and employee benefits | $4,791,000 | 2,040 |
| Premises and equipment expense | $972,000 | 2,541 |
| Additional noninterest expense | $3,157,000 | 1,668 |
| Pre-tax net operating income | $2,346,000 | 3,285 |
| Securities gains (losses) | $-20,000 | 7,546 |
| Applicable income taxes | $658,000 | 2,749 |
| Income before extraordinary items | $1,668,000 | 3,528 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,668,000 | 3,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $901,000 | 752 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 913 |
| Net operating income | $1,682,400 | 3,487 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,619,000 | 2,301 |
| Total interest expense | $6,288,000 | 1,909 |
| Net interest income | $6,331,000 | 2,685 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $2,029,000 | 1,779 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,039,000 | 1,291 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $990,000 | 1,839 |
| Total noninterest expense | $6,842,000 | 1,931 |
| Salaries and employee benefits | $3,694,000 | 1,967 |
| Premises and equipment expense | $734,000 | 2,532 |
| Additional noninterest expense | $2,414,000 | 1,634 |
| Pre-tax net operating income | $1,518,000 | 3,755 |
| Securities gains (losses) | $-27,000 | 7,950 |
| Applicable income taxes | $429,000 | 3,075 |
| Income before extraordinary items | $1,062,000 | 4,026 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,062,000 | 4,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,121 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 784 |
| Net operating income | $1,081,170 | 3,966 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,224,000 | 2,307 |
| Total interest expense | $4,017,000 | 1,894 |
| Net interest income | $4,207,000 | 2,691 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,361,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $675,000 | 1,313 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $686,000 | 1,790 |
| Total noninterest expense | $4,590,000 | 1,926 |
| Salaries and employee benefits | $2,485,000 | 1,957 |
| Premises and equipment expense | $490,000 | 2,518 |
| Additional noninterest expense | $1,615,000 | 1,633 |
| Pre-tax net operating income | $978,000 | 3,844 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $264,000 | 3,217 |
| Income before extraordinary items | $714,000 | 4,015 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $714,000 | 4,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 830 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 651 |
| Net operating income | $714,000 | 4,004 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,004,000 | 2,327 |
| Total interest expense | $1,916,000 | 1,905 |
| Net interest income | $2,088,000 | 2,688 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $614,000 | 1,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $614,000 | 1,153 |
| Total noninterest expense | $2,294,000 | 1,940 |
| Salaries and employee benefits | $1,300,000 | 1,888 |
| Premises and equipment expense | $527,000 | 1,232 |
| Additional noninterest expense | $467,000 | 2,706 |
| Pre-tax net operating income | $408,000 | 4,232 |
| Securities gains (losses) | $38,000 | 380 |
| Applicable income taxes | $104,000 | 3,539 |
| Income before extraordinary items | $342,000 | 4,072 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $342,000 | 4,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 929 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $312,740 | 4,305 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,147,000 | 2,195 |
| Total interest expense | $6,565,000 | 1,734 |
| Net interest income | $8,582,000 | 2,540 |
| Provision for loan and lease losses | $-360,000 | 8,731 |
| Total noninterest income | $2,678,000 | 1,770 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,678,000 | 1,100 |
| Total noninterest expense | $9,793,000 | 1,739 |
| Salaries and employee benefits | $5,242,000 | 1,774 |
| Premises and equipment expense | $2,263,000 | 1,060 |
| Additional noninterest expense | $2,288,000 | 2,187 |
| Pre-tax net operating income | $1,827,000 | 3,910 |
| Securities gains (losses) | $305,000 | 406 |
| Applicable income taxes | $607,000 | 3,059 |
| Income before extraordinary items | $1,525,000 | 3,747 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,525,000 | 3,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,160,000 | 280 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,305,400 | 4,107 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,286,000 | 2,154 |
| Total interest expense | $4,806,000 | 1,677 |
| Net interest income | $6,480,000 | 2,502 |
| Provision for loan and lease losses | $-360,000 | 8,770 |
| Total noninterest income | $1,949,000 | 1,816 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,949,000 | 1,141 |
| Total noninterest expense | $7,367,000 | 1,705 |
| Salaries and employee benefits | $3,901,000 | 1,776 |
| Premises and equipment expense | $1,730,000 | 1,034 |
| Additional noninterest expense | $1,736,000 | 2,139 |
| Pre-tax net operating income | $1,422,000 | 3,904 |
| Securities gains (losses) | $247,000 | 427 |
| Applicable income taxes | $494,000 | 2,972 |
| Income before extraordinary items | $1,175,000 | 3,717 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,175,000 | 3,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,075,000 | 231 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,002,100 | 4,112 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,485,000 | 2,112 |
| Total interest expense | $3,141,000 | 1,613 |
| Net interest income | $4,344,000 | 2,470 |
| Provision for loan and lease losses | $-360,000 | 8,790 |
| Total noninterest income | $1,290,000 | 1,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,290,000 | 1,115 |
| Total noninterest expense | $4,995,000 | 1,672 |
| Salaries and employee benefits | $2,604,000 | 1,761 |
| Premises and equipment expense | $1,155,000 | 1,027 |
| Additional noninterest expense | $1,236,000 | 1,985 |
| Pre-tax net operating income | $999,000 | 3,711 |
| Securities gains (losses) | $140,000 | 472 |
| Applicable income taxes | $344,000 | 2,856 |
| Income before extraordinary items | $795,000 | 3,647 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $795,000 | 3,649 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,879,000 | 181 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $697,000 | 3,944 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,753,000 | 2,057 |
| Total interest expense | $1,545,000 | 1,544 |
| Net interest income | $2,208,000 | 2,422 |
| Provision for loan and lease losses | $-360,000 | 8,877 |
| Total noninterest income | $620,000 | 1,829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $620,000 | 1,147 |
| Total noninterest expense | $2,634,000 | 1,612 |
| Salaries and employee benefits | $1,315,000 | 1,756 |
| Premises and equipment expense | $574,000 | 1,037 |
| Additional noninterest expense | $745,000 | 1,651 |
| Pre-tax net operating income | $554,000 | 3,414 |
| Securities gains (losses) | $75,000 | 437 |
| Applicable income taxes | $190,000 | 2,683 |
| Income before extraordinary items | $439,000 | 3,377 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $439,000 | 3,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $491,000 | 358 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $386,500 | 3,667 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,739,000 | 2,067 |
| Total interest expense | $6,173,000 | 1,335 |
| Net interest income | $7,566,000 | 2,673 |
| Provision for loan and lease losses | $4,939,000 | 252 |
| Total noninterest income | $2,486,000 | 1,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,486,000 | 1,133 |
| Total noninterest expense | $9,215,000 | 1,753 |
| Salaries and employee benefits | $5,168,000 | 1,715 |
| Premises and equipment expense | $2,155,000 | 1,076 |
| Additional noninterest expense | $1,892,000 | 2,542 |
| Pre-tax net operating income | $-4,102,000 | 8,947 |
| Securities gains (losses) | $519,000 | 447 |
| Applicable income taxes | $-1,201,000 | 8,942 |
| Income before extraordinary items | $-2,382,000 | 8,930 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,382,000 | 8,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,655,000 | 532 |
| Cash dividends | $10,000,000 | 355 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-2,724,540 | 8,925 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,019,000 | 2,123 |
| Total interest expense | $4,591,000 | 1,311 |
| Net interest income | $5,428,000 | 2,770 |
| Provision for loan and lease losses | $825,000 | 933 |
| Total noninterest income | $1,799,000 | 1,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,799,000 | 1,177 |
| Total noninterest expense | $6,793,000 | 1,775 |
| Salaries and employee benefits | $3,892,000 | 1,697 |
| Premises and equipment expense | $1,538,000 | 1,118 |
| Additional noninterest expense | $1,363,000 | 2,607 |
| Pre-tax net operating income | $-391,000 | 8,733 |
| Securities gains (losses) | $489,000 | 430 |
| Applicable income taxes | $43,000 | 6,063 |
| Income before extraordinary items | $55,000 | 8,296 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $55,000 | 8,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,517,000 | 422 |
| Cash dividends | $10,000,000 | 270 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-257,960 | 8,693 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,253,000 | 2,238 |
| Total interest expense | $2,989,000 | 1,323 |
| Net interest income | $3,264,000 | 3,050 |
| Provision for loan and lease losses | $450,000 | 1,098 |
| Total noninterest income | $1,004,000 | 2,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,004,000 | 1,314 |
| Total noninterest expense | $3,817,000 | 2,093 |
| Salaries and employee benefits | $2,118,000 | 2,062 |
| Premises and equipment expense | $926,000 | 1,241 |
| Additional noninterest expense | $773,000 | 3,034 |
| Pre-tax net operating income | $1,000 | 8,506 |
| Securities gains (losses) | $325,000 | 462 |
| Applicable income taxes | $62,000 | 5,405 |
| Income before extraordinary items | $264,000 | 6,325 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $264,000 | 6,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,436,000 | 325 |
| Cash dividends | $10,000,000 | 189 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $750 | 8,516 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,716,000 | 2,571 |
| Total interest expense | $1,404,000 | 1,424 |
| Net interest income | $1,312,000 | 3,626 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $336,000 | 2,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $336,000 | 1,741 |
| Total noninterest expense | $1,535,000 | 2,577 |
| Salaries and employee benefits | $900,000 | 2,414 |
| Premises and equipment expense | $378,000 | 1,556 |
| Additional noninterest expense | $257,000 | 4,226 |
| Pre-tax net operating income | $113,000 | 6,952 |
| Securities gains (losses) | $114,000 | 733 |
| Applicable income taxes | $20,000 | 5,783 |
| Income before extraordinary items | $207,000 | 5,250 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $207,000 | 5,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 1,561 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $103,260 | 6,717 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,795,000 | 2,423 |
| Total interest expense | $6,070,000 | 1,463 |
| Net interest income | $5,725,000 | 3,304 |
| Provision for loan and lease losses | $1,267,000 | 934 |
| Total noninterest income | $1,654,000 | 2,637 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,654,000 | 1,690 |
| Total noninterest expense | $6,063,000 | 2,574 |
| Salaries and employee benefits | $3,702,000 | 2,289 |
| Premises and equipment expense | $1,420,000 | 1,604 |
| Additional noninterest expense | $941,000 | 4,472 |
| Pre-tax net operating income | $49,000 | 8,383 |
| Securities gains (losses) | $1,066,000 | 459 |
| Applicable income taxes | $351,000 | 4,032 |
| Income before extraordinary items | $764,000 | 5,353 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $764,000 | 5,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 1,916 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $28,460 | 8,444 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,026,000 | 2,411 |
| Total interest expense | $4,589,000 | 1,515 |
| Net interest income | $4,437,000 | 3,237 |
| Provision for loan and lease losses | $1,157,000 | 788 |
| Total noninterest income | $1,281,000 | 2,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,281,000 | 1,720 |
| Total noninterest expense | $4,450,000 | 2,633 |
| Salaries and employee benefits | $2,700,000 | 2,352 |
| Premises and equipment expense | $1,091,000 | 1,573 |
| Additional noninterest expense | $659,000 | 4,683 |
| Pre-tax net operating income | $111,000 | 8,169 |
| Securities gains (losses) | $951,000 | 464 |
| Applicable income taxes | $344,000 | 3,673 |
| Income before extraordinary items | $718,000 | 4,926 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $718,000 | 4,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,343 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $71,320 | 8,297 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,146,000 | 2,386 |
| Total interest expense | $3,087,000 | 1,556 |
| Net interest income | $3,059,000 | 3,134 |
| Provision for loan and lease losses | $1,022,000 | 630 |
| Total noninterest income | $863,000 | 2,609 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $863,000 | 1,688 |
| Total noninterest expense | $2,901,000 | 2,684 |
| Salaries and employee benefits | $1,759,000 | 2,396 |
| Premises and equipment expense | $744,000 | 1,537 |
| Additional noninterest expense | $398,000 | 5,025 |
| Pre-tax net operating income | $-1,000 | 8,678 |
| Securities gains (losses) | $675,000 | 478 |
| Applicable income taxes | $206,000 | 3,907 |
| Income before extraordinary items | $468,000 | 4,971 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $468,000 | 4,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,277 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,250 | 8,636 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 2,366 |
| Total interest expense | $1,562,000 | 1,581 |
| Net interest income | $1,550,000 | 3,083 |
| Provision for loan and lease losses | $225,000 | 1,208 |
| Total noninterest income | $369,000 | 2,814 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $369,000 | 1,838 |
| Total noninterest expense | $1,441,000 | 2,682 |
| Salaries and employee benefits | $894,000 | 2,351 |
| Premises and equipment expense | $368,000 | 1,568 |
| Additional noninterest expense | $179,000 | 5,369 |
| Pre-tax net operating income | $253,000 | 5,250 |
| Securities gains (losses) | $245,000 | 591 |
| Applicable income taxes | $174,000 | 2,932 |
| Income before extraordinary items | $324,000 | 4,028 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $324,000 | 4,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 979 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $164,750 | 5,610 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,756,000 | 2,427 |
| Total interest expense | $6,506,000 | 1,752 |
| Net interest income | $6,250,000 | 3,038 |
| Provision for loan and lease losses | $397,000 | 2,866 |
| Total noninterest income | $1,325,000 | 2,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $1,000 | 148 |
| Additional Noninterest Income | $1,324,000 | 1,820 |
| Total noninterest expense | $6,272,000 | 2,369 |
| Salaries and employee benefits | $3,617,000 | 2,217 |
| Premises and equipment expense | $1,579,000 | 1,392 |
| Additional noninterest expense | $1,076,000 | 3,944 |
| Pre-tax net operating income | $906,000 | 5,470 |
| Securities gains (losses) | $622,000 | 569 |
| Applicable income taxes | $532,000 | 3,337 |
| Income before extraordinary items | $996,000 | 4,617 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $996,000 | 4,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $343,000 | 2,167 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $11,141,000 | 49 |
| Net operating income | $591,700 | 5,858 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,278,000 | 2,398 |
| Total interest expense | $8,123,000 | 1,992 |
| Net interest income | $6,155,000 | 2,882 |
| Provision for loan and lease losses | $1,039,000 | 1,209 |
| Total noninterest income | $1,598,000 | 2,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $6,000 | 167 |
| Additional Noninterest Income | $1,592,000 | 1,454 |
| Total noninterest expense | $6,559,000 | 2,195 |
| Salaries and employee benefits | $3,778,000 | 1,988 |
| Premises and equipment expense | $1,815,000 | 1,175 |
| Additional noninterest expense | $966,000 | 4,183 |
| Pre-tax net operating income | $155,000 | 8,084 |
| Securities gains (losses) | $1,032,000 | 395 |
| Applicable income taxes | $425,000 | 3,620 |
| Income before extraordinary items | $762,000 | 5,001 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $762,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,738 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $101,520 | 8,215 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,572,000 | 2,568 |
| Total interest expense | $7,404,000 | 2,292 |
| Net interest income | $6,168,000 | 2,865 |
| Provision for loan and lease losses | $245,000 | 3,282 |
| Total noninterest income | $1,347,000 | 2,542 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $1,000 | 177 |
| Additional Noninterest Income | $1,346,000 | 1,510 |
| Total noninterest expense | $5,335,000 | 2,552 |
| Salaries and employee benefits | $3,255,000 | 2,195 |
| Premises and equipment expense | $1,513,000 | 1,354 |
| Additional noninterest expense | $567,000 | 5,981 |
| Pre-tax net operating income | $1,935,000 | 3,415 |
| Securities gains (losses) | $224,000 | 392 |
| Applicable income taxes | $822,000 | 2,468 |
| Income before extraordinary items | $1,337,000 | 3,560 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,337,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,734 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,193,640 | 3,858 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,273,000 | 2,654 |
| Total interest expense | $6,978,000 | 2,128 |
| Net interest income | $5,295,000 | 3,283 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $1,332,000 | 2,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-61,000 | 4,527 |
| Additional Noninterest Income | $1,393,000 | 1,457 |
| Total noninterest expense | $5,095,000 | 2,648 |
| Salaries and employee benefits | $3,046,000 | 2,298 |
| Premises and equipment expense | $1,498,000 | 1,355 |
| Additional noninterest expense | $551,000 | 6,146 |
| Pre-tax net operating income | $1,352,000 | 4,403 |
| Securities gains (losses) | $383,000 | 398 |
| Applicable income taxes | $602,000 | 3,212 |
| Income before extraordinary items | $1,133,000 | 4,043 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,133,000 | 4,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,270 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $884,050 | 4,754 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,364,000 | 2,638 |
| Total interest expense | $7,298,000 | 2,082 |
| Net interest income | $5,066,000 | 3,347 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $1,015,000 | 3,042 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $17,000 | 184 |
| Additional Noninterest Income | $998,000 | 1,858 |
| Total noninterest expense | $4,619,000 | 2,807 |
| Salaries and employee benefits | $2,728,000 | 2,478 |
| Premises and equipment expense | $1,295,000 | 1,518 |
| Additional noninterest expense | $596,000 | 5,780 |
| Pre-tax net operating income | $1,342,000 | 4,521 |
| Securities gains (losses) | $926,000 | 401 |
| Applicable income taxes | $804,000 | 2,731 |
| Income before extraordinary items | $1,464,000 | 3,321 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,464,000 | 3,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,174 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $862,100 | 4,875 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,926,000 | 2,979 |
| Total interest expense | $6,105,000 | 2,457 |
| Net interest income | $4,821,000 | 3,614 |
| Provision for loan and lease losses | $16,000 | 8,073 |
| Total noninterest income | $897,000 | 3,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $897,000 | 1,867 |
| Total noninterest expense | $3,411,000 | 3,686 |
| Salaries and employee benefits | $2,035,000 | 3,251 |
| Premises and equipment expense | $806,000 | 2,405 |
| Additional noninterest expense | $570,000 | 5,989 |
| Pre-tax net operating income | $2,291,000 | 3,137 |
| Securities gains (losses) | $193,000 | 725 |
| Applicable income taxes | $903,000 | 2,652 |
| Income before extraordinary items | $1,581,000 | 3,204 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,581,000 | 3,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,572 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,457,480 | 3,368 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,314,000 | 3,502 |
| Total interest expense | $4,937,000 | 3,040 |
| Net interest income | $4,377,000 | 3,979 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $907,000 | 3,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $907,000 | 1,937 |
| Total noninterest expense | $3,353,000 | 3,939 |
| Salaries and employee benefits | $1,774,000 | 3,722 |
| Premises and equipment expense | $293,000 | 5,680 |
| Additional noninterest expense | $1,286,000 | 3,564 |
| Pre-tax net operating income | $1,931,000 | 3,503 |
| Securities gains (losses) | $133,000 | 845 |
| Applicable income taxes | $764,000 | 2,968 |
| Income before extraordinary items | $1,300,000 | 3,631 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,300,000 | 3,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,214,880 | 3,781 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,614,000 | 4,206 |
| Total interest expense | $3,982,000 | 3,695 |
| Net interest income | $3,632,000 | 4,697 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $571,000 | 4,737 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $571,000 | 2,622 |
| Total noninterest expense | $2,549,000 | 4,916 |
| Salaries and employee benefits | $1,609,000 | 4,030 |
| Premises and equipment expense | $269,000 | 6,072 |
| Additional noninterest expense | $671,000 | 6,056 |
| Pre-tax net operating income | $1,654,000 | 4,105 |
| Securities gains (losses) | $203,000 | 663 |
| Applicable income taxes | $644,000 | 3,477 |
| Income before extraordinary items | $1,213,000 | 3,924 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,213,000 | 3,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,320 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,081,050 | 4,298 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,997,000 | 4,871 |
| Total interest expense | $3,215,000 | 3,720 |
| Net interest income | $2,782,000 | 5,944 |
| Provision for loan and lease losses | $31,000 | 7,056 |
| Total noninterest income | $401,000 | 6,145 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $401,000 | 3,403 |
| Total noninterest expense | $2,311,000 | 5,524 |
| Salaries and employee benefits | $1,462,000 | 4,375 |
| Premises and equipment expense | $234,000 | 6,793 |
| Additional noninterest expense | $615,000 | 6,926 |
| Pre-tax net operating income | $841,000 | 6,670 |
| Securities gains (losses) | $183,000 | 526 |
| Applicable income taxes | $276,000 | 6,177 |
| Income before extraordinary items | $748,000 | 5,621 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $748,000 | 5,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $614,410 | 6,497 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,623,000 | 5,229 |
| Total interest expense | $3,248,000 | 3,844 |
| Net interest income | $2,375,000 | 6,782 |
| Provision for loan and lease losses | $113,000 | 5,452 |
| Total noninterest income | $401,000 | 6,468 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $4,000 | 469 |
| Additional Noninterest Income | $397,000 | 3,771 |
| Total noninterest expense | $2,036,000 | 6,231 |
| Salaries and employee benefits | $1,284,000 | 4,939 |
| Premises and equipment expense | $249,000 | 6,692 |
| Additional noninterest expense | $503,000 | 8,182 |
| Pre-tax net operating income | $627,000 | 7,764 |
| Securities gains (losses) | $306,000 | 1,281 |
| Applicable income taxes | $336,000 | 5,656 |
| Income before extraordinary items | $597,000 | 6,801 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $597,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 6,716 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $401,160 | 8,145 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,416,000 | 5,195 |
| Total interest expense | $4,049,000 | 4,031 |
| Net interest income | $2,367,000 | 6,856 |
| Provision for loan and lease losses | $102,000 | 7,202 |
| Total noninterest income | $413,000 | 6,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $39,000 | 332 |
| Additional Noninterest Income | $374,000 | 3,857 |
| Total noninterest expense | $2,017,000 | 6,337 |
| Salaries and employee benefits | $1,272,000 | 4,914 |
| Premises and equipment expense | $254,000 | 6,707 |
| Additional noninterest expense | $491,000 | 8,543 |
| Pre-tax net operating income | $661,000 | 7,312 |
| Securities gains (losses) | $251,000 | 1,719 |
| Applicable income taxes | $330,000 | 5,574 |
| Income before extraordinary items | $582,000 | 6,688 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $582,000 | 6,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 10,255 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $421,360 | 7,650 |
* 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.