Home > Montgomery Bank & Trust > Income and Expense
Montgomery Bank & Trust, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,268,000 | 3,724 |
| Total interest expense | $1,424,000 | 1,687 |
| Net interest income | $1,844,000 | 4,711 |
| Provision for loan and lease losses | $3,146,000 | 436 |
| Total noninterest income | $-2,327,000 | 7,236 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $396,000 | 1,723 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-2,723,000 | 7,239 |
| Total noninterest expense | $20,684,000 | 520 |
| Salaries and employee benefits | $1,168,000 | 3,768 |
| Premises and equipment expense | $398,000 | 2,787 |
| Additional noninterest expense | $19,118,000 | 233 |
| Pre-tax net operating income | $-24,313,000 | 7,244 |
| Securities gains (losses) | $-242,000 | 7,158 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-24,555,000 | 7,236 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-24,555,000 | 7,236 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-24,555,000 | 7,236 |
| Net charge-offs | $3,586,000 | 450 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-24,313,000 | 7,236 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,746,000 | 3,572 |
| Total interest expense | $758,000 | 1,653 |
| Net interest income | $988,000 | 4,573 |
| Provision for loan and lease losses | $468,000 | 1,113 |
| Total noninterest income | $-2,624,000 | 7,305 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $202,000 | 1,676 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-2,826,000 | 7,315 |
| Total noninterest expense | $1,782,000 | 2,628 |
| Salaries and employee benefits | $538,000 | 4,016 |
| Premises and equipment expense | $204,000 | 2,754 |
| Additional noninterest expense | $1,040,000 | 1,595 |
| Pre-tax net operating income | $-3,886,000 | 7,277 |
| Securities gains (losses) | $-4,000 | 6,988 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-3,890,000 | 7,276 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,890,000 | 7,276 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-3,890,000 | 7,276 |
| Net charge-offs | $2,659,000 | 317 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-3,886,000 | 7,274 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,709,000 | 3,424 |
| Total interest expense | $4,087,000 | 1,484 |
| Net interest income | $3,622,000 | 4,795 |
| Provision for loan and lease losses | $6,469,000 | 643 |
| Total noninterest income | $-3,197,000 | 7,320 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,030,000 | 1,438 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-4,227,000 | 7,326 |
| Total noninterest expense | $8,385,000 | 2,266 |
| Salaries and employee benefits | $2,845,000 | 3,240 |
| Premises and equipment expense | $927,000 | 2,566 |
| Additional noninterest expense | $4,613,000 | 1,494 |
| Pre-tax net operating income | $-14,429,000 | 7,265 |
| Securities gains (losses) | $306,000 | 1,120 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-14,123,000 | 7,260 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-14,123,000 | 7,260 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-14,123,000 | 7,260 |
| Net charge-offs | $6,414,000 | 653 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-14,429,000 | 7,253 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,140,000 | 3,300 |
| Total interest expense | $3,213,000 | 1,468 |
| Net interest income | $2,927,000 | 4,625 |
| Provision for loan and lease losses | $5,322,000 | 585 |
| Total noninterest income | $-3,250,000 | 7,412 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $776,000 | 1,442 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-4,026,000 | 7,418 |
| Total noninterest expense | $6,433,000 | 2,228 |
| Salaries and employee benefits | $2,230,000 | 3,154 |
| Premises and equipment expense | $734,000 | 2,471 |
| Additional noninterest expense | $3,469,000 | 1,489 |
| Pre-tax net operating income | $-12,078,000 | 7,361 |
| Securities gains (losses) | $81,000 | 1,970 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-11,997,000 | 7,357 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-11,997,000 | 7,357 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-11,997,000 | 7,357 |
| Net charge-offs | $5,283,000 | 602 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-12,078,000 | 7,356 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,030,000 | 3,373 |
| Total interest expense | $2,230,000 | 1,463 |
| Net interest income | $1,800,000 | 4,869 |
| Provision for loan and lease losses | $4,800,000 | 458 |
| Total noninterest income | $-3,223,000 | 7,494 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $513,000 | 1,425 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-3,736,000 | 7,498 |
| Total noninterest expense | $4,260,000 | 2,252 |
| Salaries and employee benefits | $1,556,000 | 3,054 |
| Premises and equipment expense | $440,000 | 2,731 |
| Additional noninterest expense | $2,264,000 | 1,529 |
| Pre-tax net operating income | $-10,483,000 | 7,448 |
| Securities gains (losses) | $34,000 | 1,823 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-10,449,000 | 7,443 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-10,449,000 | 7,443 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-10,449,000 | 7,443 |
| Net charge-offs | $4,437,000 | 518 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-10,483,000 | 7,445 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,018,000 | 3,386 |
| Total interest expense | $1,131,000 | 1,500 |
| Net interest income | $887,000 | 4,912 |
| Provision for loan and lease losses | $800,000 | 1,013 |
| Total noninterest income | $-1,682,000 | 7,556 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $236,000 | 1,515 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-1,918,000 | 7,561 |
| Total noninterest expense | $1,760,000 | 2,694 |
| Salaries and employee benefits | $732,000 | 3,210 |
| Premises and equipment expense | $221,000 | 2,758 |
| Additional noninterest expense | $807,000 | 2,089 |
| Pre-tax net operating income | $-3,355,000 | 7,471 |
| Securities gains (losses) | $34,000 | 900 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-3,321,000 | 7,469 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-3,321,000 | 7,469 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-3,321,000 | 7,469 |
| Net charge-offs | $844,000 | 960 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-3,355,000 | 7,471 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,417,000 | 3,100 |
| Total interest expense | $5,604,000 | 1,484 |
| Net interest income | $3,813,000 | 4,712 |
| Provision for loan and lease losses | $4,766,000 | 1,190 |
| Total noninterest income | $3,497,000 | 1,395 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,178,000 | 1,275 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,319,000 | 1,274 |
| Total noninterest expense | $9,170,000 | 2,108 |
| Salaries and employee benefits | $3,456,000 | 2,765 |
| Premises and equipment expense | $1,291,000 | 1,969 |
| Additional noninterest expense | $4,423,000 | 1,629 |
| Pre-tax net operating income | $-6,626,000 | 7,211 |
| Securities gains (losses) | $206,000 | 1,557 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-6,420,000 | 7,253 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,420,000 | 7,253 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,420,000 | 7,253 |
| Net charge-offs | $3,571,000 | 1,311 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-6,626,000 | 7,244 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,389,000 | 3,050 |
| Total interest expense | $4,406,000 | 1,473 |
| Net interest income | $2,983,000 | 4,666 |
| Provision for loan and lease losses | $4,766,000 | 909 |
| Total noninterest income | $2,025,000 | 1,672 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $881,000 | 1,327 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,144,000 | 1,651 |
| Total noninterest expense | $6,640,000 | 2,181 |
| Salaries and employee benefits | $2,622,000 | 2,737 |
| Premises and equipment expense | $893,000 | 2,145 |
| Additional noninterest expense | $3,125,000 | 1,700 |
| Pre-tax net operating income | $-6,398,000 | 7,438 |
| Securities gains (losses) | $206,000 | 1,357 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-6,192,000 | 7,476 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,192,000 | 7,476 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,192,000 | 7,476 |
| Net charge-offs | $3,119,000 | 1,108 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-6,398,000 | 7,467 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,395,000 | 2,841 |
| Total interest expense | $3,033,000 | 1,476 |
| Net interest income | $2,362,000 | 4,166 |
| Provision for loan and lease losses | $4,702,000 | 657 |
| Total noninterest income | $1,562,000 | 1,468 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $574,000 | 1,367 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $988,000 | 1,304 |
| Total noninterest expense | $4,537,000 | 2,137 |
| Salaries and employee benefits | $1,873,000 | 2,579 |
| Premises and equipment expense | $552,000 | 2,334 |
| Additional noninterest expense | $2,112,000 | 1,668 |
| Pre-tax net operating income | $-5,315,000 | 7,568 |
| Securities gains (losses) | $43,000 | 1,985 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-5,272,000 | 7,598 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-5,272,000 | 7,598 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-5,272,000 | 7,598 |
| Net charge-offs | $2,744,000 | 889 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-5,315,000 | 7,592 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 2,817 |
| Total interest expense | $1,612,000 | 1,464 |
| Net interest income | $1,189,000 | 4,188 |
| Provision for loan and lease losses | $581,000 | 1,684 |
| Total noninterest income | $1,372,000 | 941 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $277,000 | 1,416 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,095,000 | 735 |
| Total noninterest expense | $2,171,000 | 2,243 |
| Salaries and employee benefits | $932,000 | 2,630 |
| Premises and equipment expense | $268,000 | 2,436 |
| Additional noninterest expense | $971,000 | 1,789 |
| Pre-tax net operating income | $-191,000 | 6,822 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-191,000 | 6,918 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-191,000 | 6,919 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-191,000 | 6,918 |
| Net charge-offs | $719,000 | 1,297 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-191,000 | 6,879 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,361,000 | 2,499 |
| Total interest expense | $7,272,000 | 1,631 |
| Net interest income | $6,089,000 | 3,422 |
| Provision for loan and lease losses | $15,455,000 | 592 |
| Total noninterest income | $1,454,000 | 2,608 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,342,000 | 1,287 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $112,000 | 5,499 |
| Total noninterest expense | $8,560,000 | 2,311 |
| Salaries and employee benefits | $3,841,000 | 2,539 |
| Premises and equipment expense | $1,132,000 | 2,326 |
| Additional noninterest expense | $3,587,000 | 2,023 |
| Pre-tax net operating income | $-16,472,000 | 7,661 |
| Securities gains (losses) | $447,000 | 950 |
| Applicable income taxes | $-3,749,000 | 7,681 |
| Income before extraordinary items | $-12,276,000 | 7,616 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-12,276,000 | 7,616 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-12,276,000 | 7,616 |
| Net charge-offs | $17,617,000 | 449 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-12,620,190 | 7,629 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,694,000 | 2,379 |
| Total interest expense | $5,672,000 | 1,636 |
| Net interest income | $5,022,000 | 3,180 |
| Provision for loan and lease losses | $6,172,000 | 902 |
| Total noninterest income | $1,273,000 | 2,419 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $992,000 | 1,295 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $281,000 | 3,718 |
| Total noninterest expense | $6,307,000 | 2,341 |
| Salaries and employee benefits | $3,028,000 | 2,460 |
| Premises and equipment expense | $826,000 | 2,407 |
| Additional noninterest expense | $2,453,000 | 2,147 |
| Pre-tax net operating income | $-6,184,000 | 7,571 |
| Securities gains (losses) | $181,000 | 1,363 |
| Applicable income taxes | $-2,309,000 | 7,756 |
| Income before extraordinary items | $-3,694,000 | 7,453 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,694,000 | 7,453 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,694,000 | 7,453 |
| Net charge-offs | $5,521,000 | 761 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,809,840 | 7,474 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,396,000 | 2,327 |
| Total interest expense | $3,847,000 | 1,691 |
| Net interest income | $3,549,000 | 3,010 |
| Provision for loan and lease losses | $5,684,000 | 678 |
| Total noninterest income | $933,000 | 2,291 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $706,000 | 1,202 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $227,000 | 3,451 |
| Total noninterest expense | $4,086,000 | 2,447 |
| Salaries and employee benefits | $2,069,000 | 2,445 |
| Premises and equipment expense | $549,000 | 2,452 |
| Additional noninterest expense | $1,468,000 | 2,381 |
| Pre-tax net operating income | $-5,288,000 | 7,758 |
| Securities gains (losses) | $181,000 | 1,076 |
| Applicable income taxes | $-1,957,000 | 7,892 |
| Income before extraordinary items | $-3,150,000 | 7,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,150,000 | 7,646 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,150,000 | 7,646 |
| Net charge-offs | $5,138,000 | 572 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,265,840 | 7,665 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,757,000 | 2,319 |
| Total interest expense | $1,929,000 | 1,755 |
| Net interest income | $1,828,000 | 2,940 |
| Provision for loan and lease losses | $96,000 | 3,963 |
| Total noninterest income | $488,000 | 2,183 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $362,000 | 1,146 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $126,000 | 3,262 |
| Total noninterest expense | $1,975,000 | 2,451 |
| Salaries and employee benefits | $1,100,000 | 2,328 |
| Premises and equipment expense | $260,000 | 2,597 |
| Additional noninterest expense | $615,000 | 2,512 |
| Pre-tax net operating income | $245,000 | 3,671 |
| Securities gains (losses) | $181,000 | 711 |
| Applicable income taxes | $141,000 | 1,814 |
| Income before extraordinary items | $285,000 | 3,225 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $285,000 | 3,225 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $285,000 | 3,225 |
| Net charge-offs | $1,260,000 | 836 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $163,730 | 4,038 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,858,000 | 2,125 |
| Total interest expense | $8,819,000 | 1,813 |
| Net interest income | $9,039,000 | 2,413 |
| Provision for loan and lease losses | $2,080,000 | 1,747 |
| Total noninterest income | $2,165,000 | 2,017 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,705,000 | 1,045 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $460,000 | 3,329 |
| Total noninterest expense | $8,451,000 | 2,270 |
| Salaries and employee benefits | $5,181,000 | 1,947 |
| Premises and equipment expense | $1,028,000 | 2,559 |
| Additional noninterest expense | $2,242,000 | 2,571 |
| Pre-tax net operating income | $673,000 | 4,460 |
| Securities gains (losses) | $260,000 | 603 |
| Applicable income taxes | $212,000 | 2,758 |
| Income before extraordinary items | $721,000 | 3,899 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $721,000 | 3,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 3,522 |
| Cash dividends | $575,000 | 3,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $520,800 | 4,547 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,747,000 | 2,127 |
| Total interest expense | $6,728,000 | 1,849 |
| Net interest income | $7,019,000 | 2,353 |
| Provision for loan and lease losses | $252,000 | 3,839 |
| Total noninterest income | $1,643,000 | 2,070 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,284,000 | 1,057 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $359,000 | 3,368 |
| Total noninterest expense | $6,267,000 | 2,282 |
| Salaries and employee benefits | $3,906,000 | 1,973 |
| Premises and equipment expense | $749,000 | 2,643 |
| Additional noninterest expense | $1,612,000 | 2,602 |
| Pre-tax net operating income | $2,143,000 | 2,198 |
| Securities gains (losses) | $260,000 | 514 |
| Applicable income taxes | $824,000 | 1,343 |
| Income before extraordinary items | $1,579,000 | 2,220 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,579,000 | 2,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,571 |
| Cash dividends | $288,000 | 3,474 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,407,400 | 2,563 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,303,000 | 2,118 |
| Total interest expense | $4,584,000 | 1,880 |
| Net interest income | $4,719,000 | 2,329 |
| Provision for loan and lease losses | $168,000 | 3,437 |
| Total noninterest income | $1,076,000 | 2,123 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $838,000 | 1,052 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $238,000 | 3,443 |
| Total noninterest expense | $4,081,000 | 2,336 |
| Salaries and employee benefits | $2,565,000 | 2,022 |
| Premises and equipment expense | $477,000 | 2,748 |
| Additional noninterest expense | $1,039,000 | 2,661 |
| Pre-tax net operating income | $1,546,000 | 2,135 |
| Securities gains (losses) | $260,000 | 506 |
| Applicable income taxes | $626,000 | 1,349 |
| Income before extraordinary items | $1,180,000 | 2,235 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,180,000 | 2,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,397 |
| Cash dividends | $288,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,011,000 | 2,507 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,723,000 | 2,143 |
| Total interest expense | $2,392,000 | 1,939 |
| Net interest income | $2,331,000 | 2,358 |
| Provision for loan and lease losses | $84,000 | 3,006 |
| Total noninterest income | $530,000 | 2,157 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $400,000 | 1,087 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $130,000 | 3,297 |
| Total noninterest expense | $2,050,000 | 2,317 |
| Salaries and employee benefits | $1,330,000 | 1,980 |
| Premises and equipment expense | $221,000 | 2,965 |
| Additional noninterest expense | $499,000 | 2,729 |
| Pre-tax net operating income | $727,000 | 2,345 |
| Securities gains (losses) | $9,000 | 2,013 |
| Applicable income taxes | $252,000 | 1,677 |
| Income before extraordinary items | $484,000 | 2,763 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $484,000 | 2,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,369 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $478,060 | 2,718 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,088,000 | 2,279 |
| Total interest expense | $8,411,000 | 2,231 |
| Net interest income | $9,677,000 | 2,306 |
| Provision for loan and lease losses | $315,000 | 3,099 |
| Total noninterest income | $2,083,000 | 2,152 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,572,000 | 1,136 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $511,000 | 3,275 |
| Total noninterest expense | $7,470,000 | 2,443 |
| Salaries and employee benefits | $4,798,000 | 2,102 |
| Premises and equipment expense | $829,000 | 2,991 |
| Additional noninterest expense | $1,843,000 | 2,869 |
| Pre-tax net operating income | $3,975,000 | 1,995 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,379,000 | 1,497 |
| Income before extraordinary items | $2,596,000 | 2,279 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,596,000 | 2,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,837 |
| Cash dividends | $863,000 | 2,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,596,000 | 2,267 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,171,000 | 2,348 |
| Total interest expense | $6,049,000 | 2,305 |
| Net interest income | $7,122,000 | 2,350 |
| Provision for loan and lease losses | $231,000 | 2,746 |
| Total noninterest income | $1,532,000 | 2,186 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,153,000 | 1,143 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $379,000 | 3,307 |
| Total noninterest expense | $5,507,000 | 2,458 |
| Salaries and employee benefits | $3,541,000 | 2,129 |
| Premises and equipment expense | $585,000 | 3,126 |
| Additional noninterest expense | $1,381,000 | 2,807 |
| Pre-tax net operating income | $2,916,000 | 2,159 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,005,000 | 1,638 |
| Income before extraordinary items | $1,911,000 | 2,471 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,911,000 | 2,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,931 |
| Cash dividends | $288,000 | 3,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,911,000 | 2,443 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,530,000 | 2,431 |
| Total interest expense | $3,928,000 | 2,360 |
| Net interest income | $4,602,000 | 2,450 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $959,000 | 2,303 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $722,000 | 1,225 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $237,000 | 3,456 |
| Total noninterest expense | $3,588,000 | 2,544 |
| Salaries and employee benefits | $2,326,000 | 2,207 |
| Premises and equipment expense | $376,000 | 3,245 |
| Additional noninterest expense | $886,000 | 2,921 |
| Pre-tax net operating income | $1,823,000 | 2,320 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $620,000 | 1,802 |
| Income before extraordinary items | $1,203,000 | 2,636 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,203,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,302 |
| Cash dividends | $288,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,203,000 | 2,616 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,181,000 | 2,463 |
| Total interest expense | $1,948,000 | 2,363 |
| Net interest income | $2,233,000 | 2,518 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $470,000 | 2,296 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $351,000 | 1,230 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $119,000 | 3,446 |
| Total noninterest expense | $1,820,000 | 2,522 |
| Salaries and employee benefits | $1,210,000 | 2,117 |
| Premises and equipment expense | $174,000 | 3,473 |
| Additional noninterest expense | $436,000 | 2,945 |
| Pre-tax net operating income | $808,000 | 2,547 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $274,000 | 1,981 |
| Income before extraordinary items | $534,000 | 2,874 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $534,000 | 2,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $534,000 | 2,861 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,683,000 | 2,458 |
| Total interest expense | $6,795,000 | 2,342 |
| Net interest income | $8,888,000 | 2,537 |
| Provision for loan and lease losses | $300,000 | 2,748 |
| Total noninterest income | $1,953,000 | 2,268 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,505,000 | 1,179 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $448,000 | 3,541 |
| Total noninterest expense | $6,686,000 | 2,619 |
| Salaries and employee benefits | $4,301,000 | 2,272 |
| Premises and equipment expense | $703,000 | 3,328 |
| Additional noninterest expense | $1,682,000 | 2,991 |
| Pre-tax net operating income | $3,855,000 | 2,320 |
| Securities gains (losses) | $-46,000 | 7,912 |
| Applicable income taxes | $1,308,000 | 1,856 |
| Income before extraordinary items | $2,501,000 | 2,624 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,501,000 | 2,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,997 |
| Cash dividends | $862,000 | 2,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,531,360 | 2,574 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,520,000 | 2,488 |
| Total interest expense | $4,852,000 | 2,378 |
| Net interest income | $6,668,000 | 2,569 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $1,441,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,142,000 | 1,167 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $299,000 | 3,734 |
| Total noninterest expense | $4,907,000 | 2,677 |
| Salaries and employee benefits | $3,187,000 | 2,308 |
| Premises and equipment expense | $514,000 | 3,398 |
| Additional noninterest expense | $1,206,000 | 3,119 |
| Pre-tax net operating income | $2,977,000 | 2,344 |
| Securities gains (losses) | $-46,000 | 8,153 |
| Applicable income taxes | $1,009,000 | 1,874 |
| Income before extraordinary items | $1,922,000 | 2,651 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,922,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 2,646 |
| Cash dividends | $288,000 | 3,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,952,360 | 2,606 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,394,000 | 2,542 |
| Total interest expense | $3,010,000 | 2,432 |
| Net interest income | $4,384,000 | 2,598 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $943,000 | 2,309 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $751,000 | 1,187 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $192,000 | 3,832 |
| Total noninterest expense | $3,213,000 | 2,731 |
| Salaries and employee benefits | $2,089,000 | 2,354 |
| Premises and equipment expense | $330,000 | 3,496 |
| Additional noninterest expense | $794,000 | 3,155 |
| Pre-tax net operating income | $1,964,000 | 2,339 |
| Securities gains (losses) | $-46,000 | 8,350 |
| Applicable income taxes | $665,000 | 1,916 |
| Income before extraordinary items | $1,253,000 | 2,697 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,253,000 | 2,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,009 |
| Cash dividends | $288,000 | 3,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,282,900 | 2,627 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,572,000 | 2,577 |
| Total interest expense | $1,388,000 | 2,488 |
| Net interest income | $2,184,000 | 2,592 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $441,000 | 2,386 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $352,000 | 1,228 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $89,000 | 3,937 |
| Total noninterest expense | $1,653,000 | 2,661 |
| Salaries and employee benefits | $1,110,000 | 2,220 |
| Premises and equipment expense | $169,000 | 3,439 |
| Additional noninterest expense | $374,000 | 3,300 |
| Pre-tax net operating income | $897,000 | 2,473 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $308,000 | 1,986 |
| Income before extraordinary items | $589,000 | 2,779 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $589,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $589,000 | 2,762 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,725,000 | 2,763 |
| Total interest expense | $3,884,000 | 2,717 |
| Net interest income | $7,841,000 | 2,757 |
| Provision for loan and lease losses | $240,000 | 3,239 |
| Total noninterest income | $1,720,000 | 2,456 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,282,000 | 1,374 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $438,000 | 3,618 |
| Total noninterest expense | $6,124,000 | 2,701 |
| Salaries and employee benefits | $4,057,000 | 2,261 |
| Premises and equipment expense | $667,000 | 3,362 |
| Additional noninterest expense | $1,400,000 | 3,410 |
| Pre-tax net operating income | $3,197,000 | 2,631 |
| Securities gains (losses) | $19,000 | 1,270 |
| Applicable income taxes | $1,064,000 | 2,184 |
| Income before extraordinary items | $2,152,000 | 2,909 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,152,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,933 |
| Cash dividends | $863,000 | 2,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,139,270 | 2,894 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,477,000 | 2,788 |
| Total interest expense | $2,720,000 | 2,741 |
| Net interest income | $5,757,000 | 2,783 |
| Provision for loan and lease losses | $171,000 | 3,290 |
| Total noninterest income | $1,221,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $908,000 | 1,425 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $313,000 | 3,733 |
| Total noninterest expense | $4,516,000 | 2,712 |
| Salaries and employee benefits | $3,033,000 | 2,247 |
| Premises and equipment expense | $481,000 | 3,448 |
| Additional noninterest expense | $1,002,000 | 3,495 |
| Pre-tax net operating income | $2,291,000 | 2,750 |
| Securities gains (losses) | $19,000 | 1,247 |
| Applicable income taxes | $786,000 | 2,226 |
| Income before extraordinary items | $1,524,000 | 3,091 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,524,000 | 3,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 2,298 |
| Cash dividends | $288,000 | 3,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,511,460 | 3,074 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,445,000 | 2,823 |
| Total interest expense | $1,684,000 | 2,765 |
| Net interest income | $3,761,000 | 2,798 |
| Provision for loan and lease losses | $114,000 | 3,186 |
| Total noninterest income | $683,000 | 2,818 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $498,000 | 1,691 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $185,000 | 3,898 |
| Total noninterest expense | $2,982,000 | 2,709 |
| Salaries and employee benefits | $1,986,000 | 2,269 |
| Premises and equipment expense | $313,000 | 3,501 |
| Additional noninterest expense | $683,000 | 3,430 |
| Pre-tax net operating income | $1,348,000 | 2,986 |
| Securities gains (losses) | $19,000 | 1,124 |
| Applicable income taxes | $466,000 | 2,362 |
| Income before extraordinary items | $901,000 | 3,358 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $901,000 | 3,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,042 |
| Cash dividends | $288,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $888,460 | 3,342 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,671,000 | 2,833 |
| Total interest expense | $814,000 | 2,742 |
| Net interest income | $1,857,000 | 2,832 |
| Provision for loan and lease losses | $57,000 | 3,030 |
| Total noninterest income | $317,000 | 2,928 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $227,000 | 1,780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $90,000 | 3,957 |
| Total noninterest expense | $1,494,000 | 2,725 |
| Salaries and employee benefits | $1,021,000 | 2,228 |
| Premises and equipment expense | $142,000 | 3,794 |
| Additional noninterest expense | $331,000 | 3,516 |
| Pre-tax net operating income | $623,000 | 3,141 |
| Securities gains (losses) | $19,000 | 812 |
| Applicable income taxes | $231,000 | 2,371 |
| Income before extraordinary items | $411,000 | 3,555 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $411,000 | 3,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,258 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $398,840 | 3,594 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,041,000 | 2,819 |
| Total interest expense | $2,912,000 | 2,691 |
| Net interest income | $7,129,000 | 2,843 |
| Provision for loan and lease losses | $228,000 | 3,473 |
| Total noninterest income | $1,574,000 | 2,601 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,209,000 | 1,453 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $365,000 | 3,886 |
| Total noninterest expense | $5,673,000 | 2,793 |
| Salaries and employee benefits | $3,719,000 | 2,333 |
| Premises and equipment expense | $631,000 | 3,393 |
| Additional noninterest expense | $1,323,000 | 3,476 |
| Pre-tax net operating income | $2,802,000 | 2,729 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $896,000 | 2,350 |
| Income before extraordinary items | $1,906,000 | 3,042 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,906,000 | 3,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,862 |
| Cash dividends | $853,000 | 2,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,906,000 | 2,982 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,412,000 | 2,827 |
| Total interest expense | $2,169,000 | 2,668 |
| Net interest income | $5,243,000 | 2,864 |
| Provision for loan and lease losses | $171,000 | 3,319 |
| Total noninterest income | $1,258,000 | 2,494 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $930,000 | 1,431 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $328,000 | 3,568 |
| Total noninterest expense | $4,302,000 | 2,732 |
| Salaries and employee benefits | $2,852,000 | 2,263 |
| Premises and equipment expense | $488,000 | 3,316 |
| Additional noninterest expense | $962,000 | 3,532 |
| Pre-tax net operating income | $2,028,000 | 2,846 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $684,000 | 2,359 |
| Income before extraordinary items | $1,344,000 | 3,251 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,344,000 | 3,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,013 |
| Cash dividends | $278,000 | 3,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,344,000 | 3,170 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,916,000 | 2,830 |
| Total interest expense | $1,424,000 | 2,686 |
| Net interest income | $3,492,000 | 2,857 |
| Provision for loan and lease losses | $114,000 | 3,296 |
| Total noninterest income | $764,000 | 2,666 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $587,000 | 1,493 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $177,000 | 3,999 |
| Total noninterest expense | $2,799,000 | 2,796 |
| Salaries and employee benefits | $1,807,000 | 2,384 |
| Premises and equipment expense | $317,000 | 3,398 |
| Additional noninterest expense | $675,000 | 3,403 |
| Pre-tax net operating income | $1,343,000 | 2,827 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $507,000 | 2,180 |
| Income before extraordinary items | $836,000 | 3,415 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $836,000 | 3,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,302 |
| Cash dividends | $278,000 | 3,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $836,000 | 3,321 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,477,000 | 2,816 |
| Total interest expense | $712,000 | 2,708 |
| Net interest income | $1,765,000 | 2,825 |
| Provision for loan and lease losses | $57,000 | 3,144 |
| Total noninterest income | $357,000 | 2,752 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $282,000 | 1,523 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $75,000 | 4,300 |
| Total noninterest expense | $1,387,000 | 2,830 |
| Salaries and employee benefits | $926,000 | 2,342 |
| Premises and equipment expense | $151,000 | 3,573 |
| Additional noninterest expense | $310,000 | 3,648 |
| Pre-tax net operating income | $678,000 | 2,779 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $255,000 | 2,166 |
| Income before extraordinary items | $423,000 | 3,358 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $423,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,469 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $423,000 | 3,242 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,667,000 | 2,930 |
| Total interest expense | $3,135,000 | 2,750 |
| Net interest income | $6,532,000 | 2,942 |
| Provision for loan and lease losses | $228,000 | 3,783 |
| Total noninterest income | $1,560,000 | 2,768 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,071,000 | 1,600 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $489,000 | 3,622 |
| Total noninterest expense | $5,295,000 | 2,916 |
| Salaries and employee benefits | $3,412,000 | 2,473 |
| Premises and equipment expense | $635,000 | 3,364 |
| Additional noninterest expense | $1,248,000 | 3,618 |
| Pre-tax net operating income | $2,569,000 | 2,829 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $834,000 | 2,465 |
| Income before extraordinary items | $1,735,000 | 3,193 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,735,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,121 |
| Cash dividends | $833,000 | 2,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,735,000 | 3,050 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,204,000 | 2,984 |
| Total interest expense | $2,351,000 | 2,839 |
| Net interest income | $4,853,000 | 2,987 |
| Provision for loan and lease losses | $171,000 | 3,679 |
| Total noninterest income | $1,168,000 | 2,839 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $791,000 | 1,630 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $377,000 | 3,638 |
| Total noninterest expense | $3,944,000 | 2,936 |
| Salaries and employee benefits | $2,549,000 | 2,476 |
| Premises and equipment expense | $477,000 | 3,344 |
| Additional noninterest expense | $918,000 | 3,656 |
| Pre-tax net operating income | $1,906,000 | 2,944 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $669,000 | 2,462 |
| Income before extraordinary items | $1,237,000 | 3,409 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,237,000 | 3,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,436 |
| Cash dividends | $277,000 | 3,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,237,000 | 3,250 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,734,000 | 3,042 |
| Total interest expense | $1,568,000 | 2,929 |
| Net interest income | $3,166,000 | 3,026 |
| Provision for loan and lease losses | $114,000 | 3,657 |
| Total noninterest income | $754,000 | 2,873 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $515,000 | 1,639 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $239,000 | 3,703 |
| Total noninterest expense | $2,563,000 | 2,987 |
| Salaries and employee benefits | $1,661,000 | 2,527 |
| Premises and equipment expense | $308,000 | 3,405 |
| Additional noninterest expense | $594,000 | 3,729 |
| Pre-tax net operating income | $1,243,000 | 3,000 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $433,000 | 2,538 |
| Income before extraordinary items | $810,000 | 3,481 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $810,000 | 3,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $277,000 | 3,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $810,000 | 3,291 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,334,000 | 3,090 |
| Total interest expense | $779,000 | 3,007 |
| Net interest income | $1,555,000 | 3,071 |
| Provision for loan and lease losses | $57,000 | 3,503 |
| Total noninterest income | $361,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $245,000 | 1,672 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $116,000 | 3,667 |
| Total noninterest expense | $1,180,000 | 3,204 |
| Salaries and employee benefits | $741,000 | 2,810 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $293,000 | 3,718 |
| Pre-tax net operating income | $679,000 | 2,801 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $237,000 | 2,409 |
| Income before extraordinary items | $442,000 | 3,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $442,000 | 3,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $442,000 | 3,060 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,352,000 | 3,202 |
| Total interest expense | $3,435,000 | 3,160 |
| Net interest income | $5,917,000 | 3,178 |
| Provision for loan and lease losses | $228,000 | 4,082 |
| Total noninterest income | $1,197,000 | 3,083 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $983,000 | 1,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,880 |
| Total noninterest expense | $4,398,000 | 3,284 |
| Salaries and employee benefits | $2,613,000 | 3,007 |
| Premises and equipment expense | $669,000 | 3,120 |
| Additional noninterest expense | $1,116,000 | 3,822 |
| Pre-tax net operating income | $2,488,000 | 2,890 |
| Securities gains (losses) | $1,000 | 4,369 |
| Applicable income taxes | $776,000 | 2,646 |
| Income before extraordinary items | $1,713,000 | 3,159 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,713,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,565 |
| Cash dividends | $411,000 | 3,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,712,310 | 3,054 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,796,000 | 3,374 |
| Total interest expense | $4,812,000 | 3,252 |
| Net interest income | $4,984,000 | 3,434 |
| Provision for loan and lease losses | $200,000 | 4,117 |
| Total noninterest income | $1,097,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $905,000 | 1,672 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $192,000 | 5,021 |
| Total noninterest expense | $4,139,000 | 3,329 |
| Salaries and employee benefits | $2,469,000 | 2,972 |
| Premises and equipment expense | $662,000 | 3,095 |
| Additional noninterest expense | $1,008,000 | 4,049 |
| Pre-tax net operating income | $1,742,000 | 3,505 |
| Securities gains (losses) | $109,000 | 1,681 |
| Applicable income taxes | $583,000 | 3,019 |
| Income before extraordinary items | $1,268,000 | 3,649 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,268,000 | 3,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $214,000 | 4,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,192,790 | 3,707 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,393,000 | 3,589 |
| Total interest expense | $4,529,000 | 3,598 |
| Net interest income | $4,864,000 | 3,563 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $865,000 | 3,489 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $801,000 | 1,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,361 |
| Total noninterest expense | $3,929,000 | 3,383 |
| Salaries and employee benefits | $2,194,000 | 3,197 |
| Premises and equipment expense | $653,000 | 3,057 |
| Additional noninterest expense | $1,082,000 | 3,742 |
| Pre-tax net operating income | $1,620,000 | 3,858 |
| Securities gains (losses) | $-38,000 | 9,069 |
| Applicable income taxes | $483,000 | 3,562 |
| Income before extraordinary items | $1,099,000 | 4,110 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,099,000 | 4,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,446 |
| Cash dividends | $107,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,125,220 | 4,032 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 4,021 |
| Total interest expense | $3,582,000 | 3,957 |
| Net interest income | $4,192,000 | 4,012 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $724,000 | 3,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $581,000 | 2,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $143,000 | 5,714 |
| Total noninterest expense | $3,229,000 | 3,959 |
| Salaries and employee benefits | $1,863,000 | 3,646 |
| Premises and equipment expense | $517,000 | 3,657 |
| Additional noninterest expense | $849,000 | 4,598 |
| Pre-tax net operating income | $1,507,000 | 4,071 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $452,000 | 3,857 |
| Income before extraordinary items | $1,055,000 | 4,259 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,055,000 | 4,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,930 |
| Cash dividends | $134,000 | 5,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,055,000 | 4,217 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,241,000 | 4,277 |
| Total interest expense | $3,443,000 | 4,196 |
| Net interest income | $3,798,000 | 4,302 |
| Provision for loan and lease losses | $140,000 | 4,320 |
| Total noninterest income | $635,000 | 4,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $534,000 | 2,400 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,607 |
| Total noninterest expense | $3,028,000 | 4,082 |
| Salaries and employee benefits | $1,728,000 | 3,782 |
| Premises and equipment expense | $495,000 | 3,742 |
| Additional noninterest expense | $805,000 | 4,658 |
| Pre-tax net operating income | $1,265,000 | 4,720 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $377,000 | 4,573 |
| Income before extraordinary items | $888,000 | 4,878 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $888,000 | 4,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,414 |
| Cash dividends | $134,000 | 5,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $888,000 | 4,775 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,502,000 | 4,778 |
| Total interest expense | $2,995,000 | 4,721 |
| Net interest income | $3,507,000 | 4,728 |
| Provision for loan and lease losses | $119,000 | 4,835 |
| Total noninterest income | $555,000 | 4,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $470,000 | 2,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,227 |
| Total noninterest expense | $2,697,000 | 4,480 |
| Salaries and employee benefits | $1,583,000 | 4,049 |
| Premises and equipment expense | $369,000 | 4,719 |
| Additional noninterest expense | $745,000 | 4,982 |
| Pre-tax net operating income | $1,246,000 | 5,113 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $393,000 | 4,928 |
| Income before extraordinary items | $856,000 | 5,238 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $856,000 | 5,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,842 |
| Cash dividends | $173,000 | 5,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $853,930 | 5,186 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,964,000 | 5,209 |
| Total interest expense | $2,780,000 | 5,106 |
| Net interest income | $3,184,000 | 5,209 |
| Provision for loan and lease losses | $141,000 | 4,225 |
| Total noninterest income | $543,000 | 4,882 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,703 |
| Total noninterest expense | $2,390,000 | 5,194 |
| Salaries and employee benefits | $1,456,000 | 4,434 |
| Premises and equipment expense | $251,000 | 6,239 |
| Additional noninterest expense | $683,000 | 5,836 |
| Pre-tax net operating income | $1,196,000 | 5,137 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $347,000 | 5,357 |
| Income before extraordinary items | $849,000 | 5,081 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $849,000 | 5,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,609 |
| Cash dividends | $199,000 | 5,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $849,000 | 5,028 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,201,000 | 5,823 |
| Total interest expense | $2,254,000 | 5,967 |
| Net interest income | $2,947,000 | 5,576 |
| Provision for loan and lease losses | $187,000 | 3,155 |
| Total noninterest income | $530,000 | 4,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,353 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 6,461 |
| Total noninterest expense | $2,218,000 | 5,522 |
| Salaries and employee benefits | $1,370,000 | 4,651 |
| Premises and equipment expense | $213,000 | 6,961 |
| Additional noninterest expense | $635,000 | 6,299 |
| Pre-tax net operating income | $1,072,000 | 5,706 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $348,000 | 5,465 |
| Income before extraordinary items | $724,000 | 5,846 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $724,000 | 5,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $274,000 | 4,775 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $724,000 | 5,826 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,500,000 | 6,149 |
| Total interest expense | $1,788,000 | 6,105 |
| Net interest income | $2,712,000 | 6,081 |
| Provision for loan and lease losses | $223,000 | 2,838 |
| Total noninterest income | $490,000 | 5,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $337,000 | 3,962 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 6,154 |
| Total noninterest expense | $2,070,000 | 6,032 |
| Salaries and employee benefits | $1,277,000 | 4,964 |
| Premises and equipment expense | $200,000 | 7,420 |
| Additional noninterest expense | $593,000 | 7,086 |
| Pre-tax net operating income | $909,000 | 6,346 |
| Securities gains (losses) | $-31,000 | 10,677 |
| Applicable income taxes | $256,000 | 6,437 |
| Income before extraordinary items | $622,000 | 6,381 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $622,000 | 6,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,032 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $644,010 | 6,325 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,210,000 | 6,618 |
| Total interest expense | $1,755,000 | 6,468 |
| Net interest income | $2,455,000 | 6,634 |
| Provision for loan and lease losses | $121,000 | 5,179 |
| Total noninterest income | $568,000 | 5,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $338,000 | 4,001 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 5,244 |
| Total noninterest expense | $1,976,000 | 6,405 |
| Salaries and employee benefits | $1,167,000 | 5,358 |
| Premises and equipment expense | $182,000 | 8,093 |
| Additional noninterest expense | $627,000 | 7,105 |
| Pre-tax net operating income | $926,000 | 6,223 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $314,000 | 5,910 |
| Income before extraordinary items | $628,000 | 6,574 |
| Extraordinary gains, net | $-25,000 | 12,506 |
| Net income | $603,000 | 6,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,621 |
| Cash dividends | $95,000 | 7,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $617,280 | 6,407 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,195,000 | 7,247 |
| Total interest expense | $1,925,000 | 7,288 |
| Net interest income | $2,270,000 | 7,072 |
| Provision for loan and lease losses | $107,000 | 7,099 |
| Total noninterest income | $390,000 | 6,648 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 4,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,213 |
| Total noninterest expense | $1,778,000 | 7,024 |
| Salaries and employee benefits | $1,071,000 | 5,696 |
| Premises and equipment expense | $154,000 | 8,989 |
| Additional noninterest expense | $553,000 | 7,954 |
| Pre-tax net operating income | $775,000 | 6,682 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $268,000 | 6,393 |
| Income before extraordinary items | $507,000 | 7,260 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $507,000 | 7,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 6,260 |
| Cash dividends | $92,000 | 6,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $507,000 | 6,891 |
* 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.