Home > National Bank of Tennessee > Income and Expense
National Bank of Tennessee, Income and Expense
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $935,000 | 4,428 |
| Total interest expense | $69,000 | 4,676 |
| Net interest income | $866,000 | 4,347 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $146,000 | 3,869 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $115,000 | 2,197 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $31,000 | 4,904 |
| Total noninterest expense | $1,027,000 | 3,650 |
| Salaries and employee benefits | $494,000 | 3,910 |
| Premises and equipment expense | $108,000 | 3,715 |
| Additional noninterest expense | $425,000 | 3,096 |
| Pre-tax net operating income | $-15,000 | 5,843 |
| Securities gains (losses) | $231,000 | 264 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $216,000 | 4,136 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $216,000 | 4,134 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $216,000 | 4,135 |
| Net charge-offs | $-7,000 | 5,019 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $-15,000 | 5,834 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 4,233 |
| Total interest expense | $292,000 | 4,661 |
| Net interest income | $3,871,000 | 4,140 |
| Provision for loan and lease losses | $-400,000 | 5,903 |
| Total noninterest income | $790,000 | 3,447 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $462,000 | 2,273 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $328,000 | 3,861 |
| Total noninterest expense | $4,988,000 | 3,225 |
| Salaries and employee benefits | $2,282,000 | 3,634 |
| Premises and equipment expense | $431,000 | 3,758 |
| Additional noninterest expense | $2,275,000 | 2,523 |
| Pre-tax net operating income | $73,000 | 5,733 |
| Securities gains (losses) | $127,000 | 1,023 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $200,000 | 5,465 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $200,000 | 5,467 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $200,000 | 5,468 |
| Net charge-offs | $-41,000 | 5,512 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $73,000 | 5,719 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $3,152,000 | 4,255 |
| Total interest expense | $221,000 | 4,726 |
| Net interest income | $2,931,000 | 4,152 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $484,000 | 3,799 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $340,000 | 2,313 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $144,000 | 4,538 |
| Total noninterest expense | $3,669,000 | 3,290 |
| Salaries and employee benefits | $1,731,000 | 3,617 |
| Premises and equipment expense | $326,000 | 3,798 |
| Additional noninterest expense | $1,612,000 | 2,641 |
| Pre-tax net operating income | $-254,000 | 6,109 |
| Securities gains (losses) | $127,000 | 886 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $-127,000 | 6,080 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-127,000 | 6,080 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-127,000 | 6,080 |
| Net charge-offs | $-43,000 | 5,574 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $-254,000 | 6,110 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 4,256 |
| Total interest expense | $147,000 | 4,767 |
| Net interest income | $1,972,000 | 4,164 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $480,000 | 3,157 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $217,000 | 2,368 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $263,000 | 3,235 |
| Total noninterest expense | $2,433,000 | 3,328 |
| Salaries and employee benefits | $1,166,000 | 3,607 |
| Premises and equipment expense | $218,000 | 3,819 |
| Additional noninterest expense | $1,049,000 | 2,702 |
| Pre-tax net operating income | $19,000 | 5,927 |
| Securities gains (losses) | $44,000 | 1,311 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $63,000 | 5,788 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $63,000 | 5,789 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $63,000 | 5,790 |
| Net charge-offs | $-39,000 | 5,680 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $19,000 | 5,925 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,052,000 | 4,289 |
| Total interest expense | $75,000 | 4,781 |
| Net interest income | $977,000 | 4,198 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $307,000 | 2,774 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $104,000 | 2,410 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $203,000 | 2,608 |
| Total noninterest expense | $1,226,000 | 3,323 |
| Salaries and employee benefits | $585,000 | 3,632 |
| Premises and equipment expense | $109,000 | 3,860 |
| Additional noninterest expense | $532,000 | 2,661 |
| Pre-tax net operating income | $58,000 | 5,561 |
| Securities gains (losses) | $44,000 | 896 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $102,000 | 5,108 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $102,000 | 5,110 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $102,000 | 5,112 |
| Net charge-offs | $-4,000 | 5,028 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $58,000 | 5,486 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $4,489,000 | 4,211 |
| Total interest expense | $351,000 | 4,692 |
| Net interest income | $4,138,000 | 4,111 |
| Provision for loan and lease losses | $80,000 | 3,409 |
| Total noninterest income | $542,000 | 4,156 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $464,000 | 2,394 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $78,000 | 5,451 |
| Total noninterest expense | $5,391,000 | 3,153 |
| Salaries and employee benefits | $2,582,000 | 3,404 |
| Premises and equipment expense | $457,000 | 3,827 |
| Additional noninterest expense | $2,352,000 | 2,530 |
| Pre-tax net operating income | $-791,000 | 6,330 |
| Securities gains (losses) | $103,000 | 1,234 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $-688,000 | 6,330 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-688,000 | 6,330 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-688,000 | 6,330 |
| Net charge-offs | $-416,000 | 6,366 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-791,000 | 6,340 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 4,256 |
| Total interest expense | $268,000 | 4,727 |
| Net interest income | $3,093,000 | 4,148 |
| Provision for loan and lease losses | $80,000 | 3,050 |
| Total noninterest income | $406,000 | 4,197 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $351,000 | 2,404 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $55,000 | 5,559 |
| Total noninterest expense | $4,125,000 | 3,122 |
| Salaries and employee benefits | $1,988,000 | 3,363 |
| Premises and equipment expense | $355,000 | 3,811 |
| Additional noninterest expense | $1,782,000 | 2,525 |
| Pre-tax net operating income | $-706,000 | 6,430 |
| Securities gains (losses) | $103,000 | 974 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $-603,000 | 6,413 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-603,000 | 6,412 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-603,000 | 6,412 |
| Net charge-offs | $-148,000 | 6,286 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-706,000 | 6,434 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 4,243 |
| Total interest expense | $185,000 | 4,726 |
| Net interest income | $2,072,000 | 4,146 |
| Provision for loan and lease losses | $80,000 | 2,568 |
| Total noninterest income | $227,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $230,000 | 2,411 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $-3,000 | 6,470 |
| Total noninterest expense | $2,894,000 | 3,016 |
| Salaries and employee benefits | $1,385,000 | 3,295 |
| Premises and equipment expense | $240,000 | 3,807 |
| Additional noninterest expense | $1,269,000 | 2,365 |
| Pre-tax net operating income | $-675,000 | 6,544 |
| Securities gains (losses) | $57,000 | 1,102 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-618,000 | 6,543 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-618,000 | 6,543 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-618,000 | 6,543 |
| Net charge-offs | $43,000 | 2,918 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-675,000 | 6,550 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 4,261 |
| Total interest expense | $97,000 | 4,694 |
| Net interest income | $1,039,000 | 4,157 |
| Provision for loan and lease losses | $80,000 | 1,764 |
| Total noninterest income | $187,000 | 3,571 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $112,000 | 2,440 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $75,000 | 3,997 |
| Total noninterest expense | $1,470,000 | 3,001 |
| Salaries and employee benefits | $729,000 | 3,204 |
| Premises and equipment expense | $118,000 | 3,868 |
| Additional noninterest expense | $623,000 | 2,404 |
| Pre-tax net operating income | $-324,000 | 6,584 |
| Securities gains (losses) | $25,000 | 887 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-299,000 | 6,583 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-299,000 | 6,583 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-299,000 | 6,583 |
| Net charge-offs | $174,000 | 1,033 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-324,000 | 6,590 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $4,981,000 | 4,081 |
| Total interest expense | $462,000 | 4,638 |
| Net interest income | $4,519,000 | 3,961 |
| Provision for loan and lease losses | $590,000 | 1,670 |
| Total noninterest income | $-1,476,000 | 6,798 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $514,000 | 2,324 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-1,990,000 | 6,797 |
| Total noninterest expense | $6,702,000 | 2,725 |
| Salaries and employee benefits | $2,943,000 | 3,157 |
| Premises and equipment expense | $538,000 | 3,566 |
| Additional noninterest expense | $3,221,000 | 1,963 |
| Pre-tax net operating income | $-4,249,000 | 6,744 |
| Securities gains (losses) | $129,000 | 1,159 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-4,120,000 | 6,745 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,120,000 | 6,745 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-4,120,000 | 6,745 |
| Net charge-offs | $1,953,000 | 758 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-4,249,000 | 6,744 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 4,091 |
| Total interest expense | $357,000 | 4,660 |
| Net interest income | $3,416,000 | 3,958 |
| Provision for loan and lease losses | $470,000 | 1,585 |
| Total noninterest income | $-1,166,000 | 6,879 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $389,000 | 2,321 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-1,555,000 | 6,881 |
| Total noninterest expense | $5,018,000 | 2,734 |
| Salaries and employee benefits | $2,236,000 | 3,151 |
| Premises and equipment expense | $409,000 | 3,555 |
| Additional noninterest expense | $2,373,000 | 1,973 |
| Pre-tax net operating income | $-3,238,000 | 6,833 |
| Securities gains (losses) | $129,000 | 1,057 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-3,109,000 | 6,833 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-3,109,000 | 6,834 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-3,109,000 | 6,834 |
| Net charge-offs | $1,899,000 | 618 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-3,238,000 | 6,828 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 4,035 |
| Total interest expense | $244,000 | 4,672 |
| Net interest income | $2,340,000 | 3,884 |
| Provision for loan and lease losses | $350,000 | 1,497 |
| Total noninterest income | $-296,000 | 6,898 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $258,000 | 2,306 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-554,000 | 6,907 |
| Total noninterest expense | $3,471,000 | 2,659 |
| Salaries and employee benefits | $1,554,000 | 3,072 |
| Premises and equipment expense | $267,000 | 3,627 |
| Additional noninterest expense | $1,650,000 | 1,902 |
| Pre-tax net operating income | $-1,777,000 | 6,859 |
| Securities gains (losses) | $123,000 | 979 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-1,654,000 | 6,866 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,654,000 | 6,867 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-1,654,000 | 6,867 |
| Net charge-offs | $1,679,000 | 525 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-1,777,000 | 6,859 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,327,000 | 3,999 |
| Total interest expense | $126,000 | 4,682 |
| Net interest income | $1,201,000 | 3,837 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $157,000 | 4,096 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $127,000 | 2,323 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $30,000 | 5,316 |
| Total noninterest expense | $1,776,000 | 2,637 |
| Salaries and employee benefits | $786,000 | 3,087 |
| Premises and equipment expense | $128,000 | 3,753 |
| Additional noninterest expense | $862,000 | 1,833 |
| Pre-tax net operating income | $-418,000 | 6,839 |
| Securities gains (losses) | $43,000 | 987 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-375,000 | 6,843 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-375,000 | 6,844 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-375,000 | 6,844 |
| Net charge-offs | $138,000 | 1,651 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-418,000 | 6,840 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $5,896,000 | 3,882 |
| Total interest expense | $731,000 | 4,307 |
| Net interest income | $5,165,000 | 3,736 |
| Provision for loan and lease losses | $1,635,000 | 1,248 |
| Total noninterest income | $222,000 | 5,575 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $596,000 | 2,170 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-374,000 | 6,892 |
| Total noninterest expense | $6,301,000 | 2,921 |
| Salaries and employee benefits | $3,338,000 | 2,901 |
| Premises and equipment expense | $580,000 | 3,468 |
| Additional noninterest expense | $2,383,000 | 2,665 |
| Pre-tax net operating income | $-2,549,000 | 6,852 |
| Securities gains (losses) | $134,000 | 2,035 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-2,415,000 | 6,863 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,415,000 | 6,861 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-2,415,000 | 6,862 |
| Net charge-offs | $1,752,000 | 1,284 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-2,549,000 | 6,853 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,547,000 | 3,874 |
| Total interest expense | $589,000 | 4,277 |
| Net interest income | $3,958,000 | 3,737 |
| Provision for loan and lease losses | $1,485,000 | 1,095 |
| Total noninterest income | $-43,000 | 6,997 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $454,000 | 2,168 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-497,000 | 7,077 |
| Total noninterest expense | $4,718,000 | 2,933 |
| Salaries and employee benefits | $2,546,000 | 2,872 |
| Premises and equipment expense | $436,000 | 3,504 |
| Additional noninterest expense | $1,736,000 | 2,757 |
| Pre-tax net operating income | $-2,288,000 | 6,992 |
| Securities gains (losses) | $130,000 | 1,792 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-2,158,000 | 7,002 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,158,000 | 6,999 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,158,000 | 7,001 |
| Net charge-offs | $1,565,000 | 1,077 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-2,288,000 | 6,998 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,090,000 | 3,846 |
| Total interest expense | $424,000 | 4,203 |
| Net interest income | $2,666,000 | 3,726 |
| Provision for loan and lease losses | $1,035,000 | 1,067 |
| Total noninterest income | $-286,000 | 7,162 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $306,000 | 2,124 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-592,000 | 7,175 |
| Total noninterest expense | $3,165,000 | 2,928 |
| Salaries and employee benefits | $1,713,000 | 2,848 |
| Premises and equipment expense | $292,000 | 3,502 |
| Additional noninterest expense | $1,160,000 | 2,769 |
| Pre-tax net operating income | $-1,820,000 | 7,078 |
| Securities gains (losses) | $57,000 | 1,972 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-1,763,000 | 7,094 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,763,000 | 7,094 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,763,000 | 7,094 |
| Net charge-offs | $1,368,000 | 918 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,820,000 | 7,081 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,604,000 | 3,800 |
| Total interest expense | $228,000 | 4,147 |
| Net interest income | $1,376,000 | 3,668 |
| Provision for loan and lease losses | $285,000 | 1,646 |
| Total noninterest income | $131,000 | 4,497 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $166,000 | 1,976 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-35,000 | 7,060 |
| Total noninterest expense | $1,561,000 | 2,951 |
| Salaries and employee benefits | $851,000 | 2,885 |
| Premises and equipment expense | $144,000 | 3,566 |
| Additional noninterest expense | $566,000 | 2,796 |
| Pre-tax net operating income | $-339,000 | 6,967 |
| Securities gains (losses) | $47,000 | 1,254 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-292,000 | 6,980 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-292,000 | 6,980 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-292,000 | 6,980 |
| Net charge-offs | $423,000 | 1,211 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-339,000 | 6,983 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,992,000 | 3,675 |
| Total interest expense | $1,085,000 | 4,214 |
| Net interest income | $5,907,000 | 3,500 |
| Provision for loan and lease losses | $705,000 | 2,933 |
| Total noninterest income | $1,043,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $716,000 | 1,945 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $327,000 | 3,736 |
| Total noninterest expense | $6,887,000 | 2,702 |
| Salaries and employee benefits | $3,696,000 | 2,606 |
| Premises and equipment expense | $634,000 | 3,438 |
| Additional noninterest expense | $2,557,000 | 2,547 |
| Pre-tax net operating income | $-642,000 | 6,466 |
| Securities gains (losses) | $125,000 | 1,876 |
| Applicable income taxes | $73,000 | 3,560 |
| Income before extraordinary items | $-590,000 | 6,513 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-590,000 | 6,514 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-590,000 | 6,513 |
| Net charge-offs | $374,000 | 3,536 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-715,000 | 6,536 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,338,000 | 3,675 |
| Total interest expense | $836,000 | 4,259 |
| Net interest income | $4,502,000 | 3,475 |
| Provision for loan and lease losses | $315,000 | 3,538 |
| Total noninterest income | $769,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $530,000 | 1,978 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $239,000 | 3,825 |
| Total noninterest expense | $5,310,000 | 2,646 |
| Salaries and employee benefits | $2,787,000 | 2,584 |
| Premises and equipment expense | $506,000 | 3,318 |
| Additional noninterest expense | $2,017,000 | 2,441 |
| Pre-tax net operating income | $-354,000 | 6,514 |
| Securities gains (losses) | $66,000 | 2,115 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-288,000 | 6,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-288,000 | 6,567 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-288,000 | 6,567 |
| Net charge-offs | $57,000 | 4,882 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-354,000 | 6,560 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,595,000 | 3,683 |
| Total interest expense | $568,000 | 4,321 |
| Net interest income | $3,027,000 | 3,454 |
| Provision for loan and lease losses | $210,000 | 3,454 |
| Total noninterest income | $493,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $342,000 | 2,013 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $151,000 | 3,942 |
| Total noninterest expense | $3,543,000 | 2,670 |
| Salaries and employee benefits | $1,869,000 | 2,574 |
| Premises and equipment expense | $344,000 | 3,294 |
| Additional noninterest expense | $1,330,000 | 2,500 |
| Pre-tax net operating income | $-233,000 | 6,590 |
| Securities gains (losses) | $42,000 | 1,689 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-191,000 | 6,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-191,000 | 6,618 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-191,000 | 6,618 |
| Net charge-offs | $63,000 | 4,277 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-233,000 | 6,638 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,842,000 | 3,625 |
| Total interest expense | $292,000 | 4,373 |
| Net interest income | $1,550,000 | 3,382 |
| Provision for loan and lease losses | $105,000 | 3,279 |
| Total noninterest income | $267,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $175,000 | 1,941 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $92,000 | 3,703 |
| Total noninterest expense | $1,791,000 | 2,655 |
| Salaries and employee benefits | $954,000 | 2,540 |
| Premises and equipment expense | $169,000 | 3,407 |
| Additional noninterest expense | $668,000 | 2,482 |
| Pre-tax net operating income | $-79,000 | 6,634 |
| Securities gains (losses) | $20,000 | 1,097 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-59,000 | 6,609 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-59,000 | 6,609 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-59,000 | 6,609 |
| Net charge-offs | $76,000 | 3,000 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-79,000 | 6,656 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,239,000 | 3,478 |
| Total interest expense | $1,747,000 | 3,914 |
| Net interest income | $6,492,000 | 3,267 |
| Provision for loan and lease losses | $1,380,000 | 2,578 |
| Total noninterest income | $1,304,000 | 2,761 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $831,000 | 1,762 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $473,000 | 3,271 |
| Total noninterest expense | $7,665,000 | 2,531 |
| Salaries and employee benefits | $3,855,000 | 2,493 |
| Premises and equipment expense | $726,000 | 3,200 |
| Additional noninterest expense | $3,084,000 | 2,244 |
| Pre-tax net operating income | $-1,249,000 | 6,576 |
| Securities gains (losses) | $107,000 | 2,112 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-1,142,000 | 6,638 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,142,000 | 6,639 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,142,000 | 6,639 |
| Net charge-offs | $1,546,000 | 2,151 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,249,000 | 6,645 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,308,000 | 3,487 |
| Total interest expense | $1,389,000 | 3,899 |
| Net interest income | $4,919,000 | 3,285 |
| Provision for loan and lease losses | $705,000 | 3,025 |
| Total noninterest income | $975,000 | 2,777 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $637,000 | 1,778 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $338,000 | 3,356 |
| Total noninterest expense | $5,809,000 | 2,491 |
| Salaries and employee benefits | $2,847,000 | 2,547 |
| Premises and equipment expense | $565,000 | 3,163 |
| Additional noninterest expense | $2,397,000 | 2,142 |
| Pre-tax net operating income | $-620,000 | 6,610 |
| Securities gains (losses) | $106,000 | 1,897 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-514,000 | 6,673 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-514,000 | 6,673 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-514,000 | 6,673 |
| Net charge-offs | $786,000 | 2,488 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-620,000 | 6,679 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,282,000 | 3,471 |
| Total interest expense | $979,000 | 3,860 |
| Net interest income | $3,303,000 | 3,262 |
| Provision for loan and lease losses | $630,000 | 2,503 |
| Total noninterest income | $560,000 | 3,005 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $429,000 | 1,772 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $131,000 | 4,207 |
| Total noninterest expense | $3,830,000 | 2,527 |
| Salaries and employee benefits | $1,859,000 | 2,603 |
| Premises and equipment expense | $371,000 | 3,224 |
| Additional noninterest expense | $1,600,000 | 2,135 |
| Pre-tax net operating income | $-597,000 | 6,814 |
| Securities gains (losses) | $59,000 | 1,781 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-538,000 | 6,890 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-538,000 | 6,890 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-538,000 | 6,890 |
| Net charge-offs | $656,000 | 2,156 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-597,000 | 6,882 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,173,000 | 3,490 |
| Total interest expense | $533,000 | 3,757 |
| Net interest income | $1,640,000 | 3,303 |
| Provision for loan and lease losses | $290,000 | 2,508 |
| Total noninterest income | $236,000 | 3,317 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $212,000 | 1,786 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $24,000 | 5,720 |
| Total noninterest expense | $1,835,000 | 2,657 |
| Salaries and employee benefits | $907,000 | 2,700 |
| Premises and equipment expense | $180,000 | 3,390 |
| Additional noninterest expense | $748,000 | 2,262 |
| Pre-tax net operating income | $-249,000 | 6,912 |
| Securities gains (losses) | $3,000 | 1,999 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-246,000 | 7,008 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-246,000 | 7,009 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-246,000 | 7,008 |
| Net charge-offs | $486,000 | 1,602 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-249,000 | 6,976 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,709,000 | 3,306 |
| Total interest expense | $3,370,000 | 3,138 |
| Net interest income | $6,339,000 | 3,297 |
| Provision for loan and lease losses | $2,475,000 | 2,197 |
| Total noninterest income | $1,411,000 | 2,667 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $951,000 | 1,762 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $460,000 | 3,342 |
| Total noninterest expense | $6,865,000 | 2,843 |
| Salaries and employee benefits | $3,651,000 | 2,676 |
| Premises and equipment expense | $729,000 | 3,358 |
| Additional noninterest expense | $2,485,000 | 2,750 |
| Pre-tax net operating income | $-1,590,000 | 6,476 |
| Securities gains (losses) | $250,000 | 1,382 |
| Applicable income taxes | $-48,000 | 6,439 |
| Income before extraordinary items | $-1,292,000 | 6,494 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,292,000 | 6,494 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,292,000 | 6,494 |
| Net charge-offs | $1,032,000 | 2,821 |
| Cash dividends | $1,000,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,532,000 | 6,575 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,396,000 | 3,318 |
| Total interest expense | $2,667,000 | 3,141 |
| Net interest income | $4,729,000 | 3,324 |
| Provision for loan and lease losses | $2,380,000 | 1,713 |
| Total noninterest income | $1,052,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $707,000 | 1,780 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $345,000 | 3,412 |
| Total noninterest expense | $4,914,000 | 2,954 |
| Salaries and employee benefits | $2,649,000 | 2,778 |
| Premises and equipment expense | $569,000 | 3,313 |
| Additional noninterest expense | $1,696,000 | 2,975 |
| Pre-tax net operating income | $-1,513,000 | 6,867 |
| Securities gains (losses) | $235,000 | 1,181 |
| Applicable income taxes | $-54,000 | 6,828 |
| Income before extraordinary items | $-1,224,000 | 6,866 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,224,000 | 6,868 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,224,000 | 6,868 |
| Net charge-offs | $933,000 | 2,278 |
| Cash dividends | $1,000,000 | 1,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,449,600 | 6,962 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,009,000 | 3,303 |
| Total interest expense | $1,850,000 | 3,152 |
| Net interest income | $3,159,000 | 3,314 |
| Provision for loan and lease losses | $2,265,000 | 1,305 |
| Total noninterest income | $680,000 | 2,790 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $462,000 | 1,792 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $218,000 | 3,522 |
| Total noninterest expense | $3,169,000 | 3,073 |
| Salaries and employee benefits | $1,643,000 | 3,013 |
| Premises and equipment expense | $377,000 | 3,341 |
| Additional noninterest expense | $1,149,000 | 2,936 |
| Pre-tax net operating income | $-1,595,000 | 7,270 |
| Securities gains (losses) | $168,000 | 1,124 |
| Applicable income taxes | $-73,000 | 7,071 |
| Income before extraordinary items | $-1,354,000 | 7,286 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,354,000 | 7,286 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,354,000 | 7,285 |
| Net charge-offs | $781,000 | 1,867 |
| Cash dividends | $935,000 | 989 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,513,600 | 7,336 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,532,000 | 3,315 |
| Total interest expense | $970,000 | 3,127 |
| Net interest income | $1,562,000 | 3,340 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $335,000 | 2,819 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $226,000 | 1,776 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $109,000 | 3,517 |
| Total noninterest expense | $1,580,000 | 3,000 |
| Salaries and employee benefits | $842,000 | 2,972 |
| Premises and equipment expense | $190,000 | 3,369 |
| Additional noninterest expense | $548,000 | 2,785 |
| Pre-tax net operating income | $242,000 | 3,693 |
| Securities gains (losses) | $115,000 | 931 |
| Applicable income taxes | $33,000 | 3,219 |
| Income before extraordinary items | $324,000 | 2,979 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $324,000 | 2,980 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $324,000 | 2,980 |
| Net charge-offs | $69,000 | 3,245 |
| Cash dividends | $550,000 | 782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $219,350 | 3,564 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,553,000 | 3,388 |
| Total interest expense | $4,089,000 | 3,464 |
| Net interest income | $6,464,000 | 3,274 |
| Provision for loan and lease losses | $54,000 | 6,536 |
| Total noninterest income | $1,511,000 | 2,613 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,017,000 | 1,734 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $494,000 | 3,192 |
| Total noninterest expense | $5,990,000 | 3,077 |
| Salaries and employee benefits | $3,552,000 | 2,783 |
| Premises and equipment expense | $721,000 | 3,435 |
| Additional noninterest expense | $1,717,000 | 3,272 |
| Pre-tax net operating income | $1,931,000 | 2,523 |
| Securities gains (losses) | $92,000 | 1,189 |
| Applicable income taxes | $177,000 | 2,926 |
| Income before extraordinary items | $1,846,000 | 2,150 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,846,000 | 2,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,395 |
| Cash dividends | $1,385,000 | 1,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,762,280 | 2,363 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,874,000 | 3,461 |
| Total interest expense | $3,011,000 | 3,613 |
| Net interest income | $4,863,000 | 3,294 |
| Provision for loan and lease losses | $54,000 | 5,823 |
| Total noninterest income | $1,118,000 | 2,709 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $752,000 | 1,768 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $366,000 | 3,325 |
| Total noninterest expense | $4,352,000 | 3,153 |
| Salaries and employee benefits | $2,582,000 | 2,889 |
| Premises and equipment expense | $545,000 | 3,437 |
| Additional noninterest expense | $1,225,000 | 3,335 |
| Pre-tax net operating income | $1,575,000 | 2,741 |
| Securities gains (losses) | $62,000 | 1,283 |
| Applicable income taxes | $137,000 | 3,306 |
| Income before extraordinary items | $1,500,000 | 2,330 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,500,000 | 2,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 8,202 |
| Cash dividends | $1,385,000 | 1,410 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,442,960 | 2,513 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,291,000 | 3,495 |
| Total interest expense | $2,008,000 | 3,733 |
| Net interest income | $3,283,000 | 3,251 |
| Provision for loan and lease losses | $54,000 | 5,115 |
| Total noninterest income | $755,000 | 2,714 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $485,000 | 1,801 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $270,000 | 3,208 |
| Total noninterest expense | $2,917,000 | 3,143 |
| Salaries and employee benefits | $1,746,000 | 2,886 |
| Premises and equipment expense | $355,000 | 3,516 |
| Additional noninterest expense | $816,000 | 3,308 |
| Pre-tax net operating income | $1,067,000 | 2,810 |
| Securities gains (losses) | $62,000 | 1,287 |
| Applicable income taxes | $91,000 | 3,548 |
| Income before extraordinary items | $1,038,000 | 2,495 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,038,000 | 2,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-120,000 | 8,364 |
| Cash dividends | $975,000 | 1,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $980,960 | 2,565 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,693,000 | 3,534 |
| Total interest expense | $1,093,000 | 3,681 |
| Net interest income | $1,600,000 | 3,325 |
| Provision for loan and lease losses | $54,000 | 3,716 |
| Total noninterest income | $376,000 | 2,719 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $237,000 | 1,793 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $139,000 | 3,174 |
| Total noninterest expense | $1,415,000 | 3,235 |
| Salaries and employee benefits | $849,000 | 2,998 |
| Premises and equipment expense | $177,000 | 3,535 |
| Additional noninterest expense | $389,000 | 3,399 |
| Pre-tax net operating income | $507,000 | 3,050 |
| Securities gains (losses) | $51,000 | 1,072 |
| Applicable income taxes | $45,000 | 3,671 |
| Income before extraordinary items | $513,000 | 2,628 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $513,000 | 2,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,428 |
| Cash dividends | $600,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $466,080 | 2,781 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,492,000 | 3,400 |
| Total interest expense | $4,830,000 | 3,551 |
| Net interest income | $6,662,000 | 3,222 |
| Provision for loan and lease losses | $182,000 | 4,009 |
| Total noninterest income | $1,591,000 | 2,596 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,073,000 | 1,665 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $518,000 | 3,240 |
| Total noninterest expense | $5,847,000 | 3,035 |
| Salaries and employee benefits | $3,570,000 | 2,747 |
| Premises and equipment expense | $704,000 | 3,427 |
| Additional noninterest expense | $1,573,000 | 3,284 |
| Pre-tax net operating income | $2,224,000 | 3,095 |
| Securities gains (losses) | $15,000 | 1,192 |
| Applicable income taxes | $179,000 | 3,965 |
| Income before extraordinary items | $2,060,000 | 2,751 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,060,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,381 |
| Cash dividends | $1,120,000 | 2,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,046,200 | 2,745 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,618,000 | 3,416 |
| Total interest expense | $3,615,000 | 3,554 |
| Net interest income | $5,003,000 | 3,231 |
| Provision for loan and lease losses | $131,000 | 3,734 |
| Total noninterest income | $1,151,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $780,000 | 1,691 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $371,000 | 3,344 |
| Total noninterest expense | $4,369,000 | 3,028 |
| Salaries and employee benefits | $2,633,000 | 2,779 |
| Premises and equipment expense | $546,000 | 3,316 |
| Additional noninterest expense | $1,190,000 | 3,215 |
| Pre-tax net operating income | $1,654,000 | 3,255 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $132,000 | 4,176 |
| Income before extraordinary items | $1,523,000 | 2,935 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,523,000 | 2,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,749 |
| Cash dividends | $1,020,000 | 1,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,522,080 | 2,926 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,670,000 | 3,458 |
| Total interest expense | $2,392,000 | 3,575 |
| Net interest income | $3,278,000 | 3,304 |
| Provision for loan and lease losses | $80,000 | 3,654 |
| Total noninterest income | $768,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $520,000 | 1,694 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $248,000 | 3,364 |
| Total noninterest expense | $2,892,000 | 3,059 |
| Salaries and employee benefits | $1,760,000 | 2,819 |
| Premises and equipment expense | $360,000 | 3,355 |
| Additional noninterest expense | $772,000 | 3,286 |
| Pre-tax net operating income | $1,074,000 | 3,365 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $86,000 | 4,276 |
| Income before extraordinary items | $989,000 | 3,061 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $989,000 | 3,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,485 |
| Cash dividends | $820,000 | 1,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $988,080 | 3,048 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,782,000 | 3,490 |
| Total interest expense | $1,187,000 | 3,561 |
| Net interest income | $1,595,000 | 3,365 |
| Provision for loan and lease losses | $46,000 | 3,181 |
| Total noninterest income | $363,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $250,000 | 1,718 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $113,000 | 3,538 |
| Total noninterest expense | $1,394,000 | 3,164 |
| Salaries and employee benefits | $845,000 | 2,934 |
| Premises and equipment expense | $178,000 | 3,422 |
| Additional noninterest expense | $371,000 | 3,373 |
| Pre-tax net operating income | $518,000 | 3,443 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $42,000 | 4,302 |
| Income before extraordinary items | $477,000 | 3,135 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $477,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $520,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $476,080 | 3,113 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,785,000 | 3,381 |
| Total interest expense | $4,163,000 | 3,502 |
| Net interest income | $6,622,000 | 3,265 |
| Provision for loan and lease losses | $320,000 | 2,647 |
| Total noninterest income | $1,396,000 | 2,838 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $946,000 | 1,834 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $450,000 | 3,532 |
| Total noninterest expense | $5,742,000 | 2,978 |
| Salaries and employee benefits | $3,525,000 | 2,723 |
| Premises and equipment expense | $728,000 | 3,234 |
| Additional noninterest expense | $1,489,000 | 3,306 |
| Pre-tax net operating income | $1,956,000 | 3,702 |
| Securities gains (losses) | $25,000 | 848 |
| Applicable income taxes | $160,000 | 4,528 |
| Income before extraordinary items | $1,821,000 | 3,317 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,821,000 | 3,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 1,732 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,798,000 | 3,335 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,957,000 | 3,393 |
| Total interest expense | $2,980,000 | 3,531 |
| Net interest income | $4,977,000 | 3,286 |
| Provision for loan and lease losses | $266,000 | 2,375 |
| Total noninterest income | $1,024,000 | 2,880 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $691,000 | 1,878 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $333,000 | 3,536 |
| Total noninterest expense | $4,298,000 | 2,977 |
| Salaries and employee benefits | $2,572,000 | 2,780 |
| Premises and equipment expense | $560,000 | 3,174 |
| Additional noninterest expense | $1,166,000 | 3,212 |
| Pre-tax net operating income | $1,437,000 | 3,882 |
| Securities gains (losses) | $19,000 | 755 |
| Applicable income taxes | $117,000 | 4,766 |
| Income before extraordinary items | $1,339,000 | 3,456 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,339,000 | 3,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $240,000 | 1,338 |
| Cash dividends | $650,000 | 2,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,321,520 | 3,483 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,162,000 | 3,425 |
| Total interest expense | $1,872,000 | 3,573 |
| Net interest income | $3,290,000 | 3,307 |
| Provision for loan and lease losses | $185,000 | 2,232 |
| Total noninterest income | $667,000 | 2,918 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $453,000 | 1,890 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $214,000 | 3,622 |
| Total noninterest expense | $2,819,000 | 3,038 |
| Salaries and employee benefits | $1,670,000 | 2,839 |
| Premises and equipment expense | $371,000 | 3,174 |
| Additional noninterest expense | $778,000 | 3,211 |
| Pre-tax net operating income | $953,000 | 3,908 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $76,000 | 4,830 |
| Income before extraordinary items | $877,000 | 3,510 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $877,000 | 3,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 1,373 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $877,000 | 3,495 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,527,000 | 3,414 |
| Total interest expense | $885,000 | 3,582 |
| Net interest income | $1,642,000 | 3,296 |
| Provision for loan and lease losses | $104,000 | 1,959 |
| Total noninterest income | $320,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $215,000 | 1,922 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $105,000 | 3,627 |
| Total noninterest expense | $1,389,000 | 3,084 |
| Salaries and employee benefits | $832,000 | 2,867 |
| Premises and equipment expense | $184,000 | 3,207 |
| Additional noninterest expense | $373,000 | 3,306 |
| Pre-tax net operating income | $469,000 | 3,894 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $36,000 | 4,838 |
| Income before extraordinary items | $433,000 | 3,494 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $433,000 | 3,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 1,004 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $433,000 | 3,474 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,169,000 | 3,374 |
| Total interest expense | $2,812,000 | 3,516 |
| Net interest income | $6,357,000 | 3,273 |
| Provision for loan and lease losses | $586,000 | 1,677 |
| Total noninterest income | $1,539,000 | 2,645 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,064,000 | 1,636 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $475,000 | 3,462 |
| Total noninterest expense | $5,784,000 | 2,839 |
| Salaries and employee benefits | $3,290,000 | 2,742 |
| Premises and equipment expense | $762,000 | 3,023 |
| Additional noninterest expense | $1,732,000 | 2,860 |
| Pre-tax net operating income | $1,526,000 | 4,329 |
| Securities gains (losses) | $24,000 | 1,190 |
| Applicable income taxes | $517,000 | 3,318 |
| Income before extraordinary items | $1,033,000 | 4,744 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,033,000 | 4,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,697 |
| Cash dividends | $525,000 | 3,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,016,920 | 4,774 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,665,000 | 3,401 |
| Total interest expense | $1,973,000 | 3,551 |
| Net interest income | $4,692,000 | 3,311 |
| Provision for loan and lease losses | $492,000 | 1,426 |
| Total noninterest income | $1,185,000 | 2,608 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $804,000 | 1,608 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $381,000 | 3,363 |
| Total noninterest expense | $4,153,000 | 2,922 |
| Salaries and employee benefits | $2,271,000 | 2,912 |
| Premises and equipment expense | $608,000 | 2,855 |
| Additional noninterest expense | $1,274,000 | 2,882 |
| Pre-tax net operating income | $1,232,000 | 4,247 |
| Securities gains (losses) | $24,000 | 1,156 |
| Applicable income taxes | $446,000 | 3,137 |
| Income before extraordinary items | $810,000 | 4,721 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $810,000 | 4,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,446 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $794,640 | 4,743 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,340,000 | 3,398 |
| Total interest expense | $1,252,000 | 3,516 |
| Net interest income | $3,088,000 | 3,328 |
| Provision for loan and lease losses | $295,000 | 1,588 |
| Total noninterest income | $804,000 | 2,528 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $536,000 | 1,567 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $268,000 | 3,268 |
| Total noninterest expense | $2,783,000 | 2,901 |
| Salaries and employee benefits | $1,568,000 | 2,809 |
| Premises and equipment expense | $400,000 | 2,849 |
| Additional noninterest expense | $815,000 | 2,973 |
| Pre-tax net operating income | $814,000 | 4,252 |
| Securities gains (losses) | $24,000 | 1,040 |
| Applicable income taxes | $292,000 | 3,148 |
| Income before extraordinary items | $546,000 | 4,664 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $546,000 | 4,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,192 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $530,400 | 4,690 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,098,000 | 3,461 |
| Total interest expense | $591,000 | 3,541 |
| Net interest income | $1,507,000 | 3,398 |
| Provision for loan and lease losses | $99,000 | 2,094 |
| Total noninterest income | $407,000 | 2,468 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $271,000 | 1,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $136,000 | 3,156 |
| Total noninterest expense | $1,368,000 | 2,947 |
| Salaries and employee benefits | $771,000 | 2,857 |
| Premises and equipment expense | $198,000 | 2,904 |
| Additional noninterest expense | $399,000 | 3,017 |
| Pre-tax net operating income | $447,000 | 3,979 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $155,000 | 3,051 |
| Income before extraordinary items | $292,000 | 4,451 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $292,000 | 4,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 1,566 |
| Cash dividends | $325,000 | 1,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $292,000 | 4,406 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,209,000 | 3,350 |
| Total interest expense | $1,850,000 | 3,886 |
| Net interest income | $6,359,000 | 3,135 |
| Provision for loan and lease losses | $779,000 | 1,314 |
| Total noninterest income | $1,637,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,203,000 | 1,464 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $434,000 | 3,565 |
| Total noninterest expense | $5,473,000 | 2,870 |
| Salaries and employee benefits | $3,009,000 | 2,831 |
| Premises and equipment expense | $830,000 | 2,700 |
| Additional noninterest expense | $1,634,000 | 2,922 |
| Pre-tax net operating income | $1,744,000 | 3,863 |
| Securities gains (losses) | $153,000 | 977 |
| Applicable income taxes | $655,000 | 2,874 |
| Income before extraordinary items | $1,242,000 | 4,121 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,242,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,130,000 | 709 |
| Cash dividends | $825,000 | 2,652 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,142,550 | 4,263 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,136,000 | 3,327 |
| Total interest expense | $1,344,000 | 3,939 |
| Net interest income | $4,792,000 | 3,105 |
| Provision for loan and lease losses | $698,000 | 1,087 |
| Total noninterest income | $1,220,000 | 2,548 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $889,000 | 1,501 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $331,000 | 3,550 |
| Total noninterest expense | $4,038,000 | 2,889 |
| Salaries and employee benefits | $2,183,000 | 2,897 |
| Premises and equipment expense | $629,000 | 2,668 |
| Additional noninterest expense | $1,226,000 | 2,871 |
| Pre-tax net operating income | $1,276,000 | 4,005 |
| Securities gains (losses) | $153,000 | 925 |
| Applicable income taxes | $492,000 | 2,930 |
| Income before extraordinary items | $937,000 | 4,165 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $937,000 | 4,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,060,000 | 546 |
| Cash dividends | $625,000 | 2,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $836,020 | 4,414 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,095,000 | 3,324 |
| Total interest expense | $893,000 | 3,953 |
| Net interest income | $3,202,000 | 3,098 |
| Provision for loan and lease losses | $517,000 | 956 |
| Total noninterest income | $770,000 | 2,654 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $573,000 | 1,535 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $197,000 | 3,766 |
| Total noninterest expense | $2,567,000 | 3,010 |
| Salaries and employee benefits | $1,365,000 | 3,089 |
| Premises and equipment expense | $415,000 | 2,703 |
| Additional noninterest expense | $787,000 | 2,978 |
| Pre-tax net operating income | $888,000 | 3,834 |
| Securities gains (losses) | $81,000 | 1,156 |
| Applicable income taxes | $333,000 | 2,887 |
| Income before extraordinary items | $636,000 | 4,087 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $636,000 | 4,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,031,000 | 418 |
| Cash dividends | $450,000 | 2,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $582,540 | 4,237 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 3,326 |
| Total interest expense | $455,000 | 3,935 |
| Net interest income | $1,595,000 | 3,107 |
| Provision for loan and lease losses | $191,000 | 1,197 |
| Total noninterest income | $331,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $273,000 | 1,572 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $58,000 | 4,809 |
| Total noninterest expense | $1,290,000 | 3,007 |
| Salaries and employee benefits | $689,000 | 3,071 |
| Premises and equipment expense | $206,000 | 2,742 |
| Additional noninterest expense | $395,000 | 2,949 |
| Pre-tax net operating income | $445,000 | 3,811 |
| Securities gains (losses) | $65,000 | 1,051 |
| Applicable income taxes | $175,000 | 2,806 |
| Income before extraordinary items | $335,000 | 3,965 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $335,000 | 3,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 486 |
| Cash dividends | $270,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $292,100 | 4,208 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,345,000 | 3,325 |
| Total interest expense | $2,061,000 | 3,932 |
| Net interest income | $6,284,000 | 3,061 |
| Provision for loan and lease losses | $354,000 | 2,831 |
| Total noninterest income | $1,245,000 | 3,221 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $961,000 | 1,802 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $284,000 | 4,614 |
| Total noninterest expense | $5,484,000 | 2,819 |
| Salaries and employee benefits | $3,004,000 | 2,768 |
| Premises and equipment expense | $816,000 | 2,710 |
| Additional noninterest expense | $1,664,000 | 2,807 |
| Pre-tax net operating income | $1,691,000 | 3,802 |
| Securities gains (losses) | $72,000 | 2,185 |
| Applicable income taxes | $590,000 | 3,094 |
| Income before extraordinary items | $1,173,000 | 4,192 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,173,000 | 4,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,819 |
| Cash dividends | $800,000 | 2,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,124,760 | 4,135 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,277,000 | 3,354 |
| Total interest expense | $1,601,000 | 3,943 |
| Net interest income | $4,676,000 | 3,089 |
| Provision for loan and lease losses | $246,000 | 2,885 |
| Total noninterest income | $894,000 | 3,389 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $679,000 | 1,904 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $215,000 | 4,649 |
| Total noninterest expense | $4,021,000 | 2,890 |
| Salaries and employee benefits | $2,161,000 | 2,873 |
| Premises and equipment expense | $603,000 | 2,759 |
| Additional noninterest expense | $1,257,000 | 2,766 |
| Pre-tax net operating income | $1,303,000 | 3,840 |
| Securities gains (losses) | $57,000 | 2,204 |
| Applicable income taxes | $457,000 | 3,186 |
| Income before extraordinary items | $903,000 | 4,276 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $903,000 | 4,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 1,588 |
| Cash dividends | $625,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $865,380 | 4,231 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,203,000 | 3,363 |
| Total interest expense | $1,132,000 | 3,856 |
| Net interest income | $3,071,000 | 3,124 |
| Provision for loan and lease losses | $106,000 | 3,764 |
| Total noninterest income | $558,000 | 3,512 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $436,000 | 1,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $122,000 | 4,964 |
| Total noninterest expense | $2,665,000 | 2,898 |
| Salaries and employee benefits | $1,428,000 | 2,918 |
| Premises and equipment expense | $393,000 | 2,815 |
| Additional noninterest expense | $844,000 | 2,753 |
| Pre-tax net operating income | $858,000 | 3,881 |
| Securities gains (losses) | $39,000 | 2,190 |
| Applicable income taxes | $300,000 | 3,245 |
| Income before extraordinary items | $597,000 | 4,318 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $597,000 | 4,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 1,294 |
| Cash dividends | $400,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $570,870 | 4,224 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,102,000 | 3,381 |
| Total interest expense | $557,000 | 4,007 |
| Net interest income | $1,545,000 | 3,098 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $262,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $211,000 | 1,937 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $51,000 | 5,226 |
| Total noninterest expense | $1,350,000 | 2,841 |
| Salaries and employee benefits | $736,000 | 2,831 |
| Premises and equipment expense | $193,000 | 2,842 |
| Additional noninterest expense | $421,000 | 2,728 |
| Pre-tax net operating income | $433,000 | 3,852 |
| Securities gains (losses) | $28,000 | 1,723 |
| Applicable income taxes | $155,000 | 3,169 |
| Income before extraordinary items | $306,000 | 4,177 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $306,000 | 4,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,340 |
| Cash dividends | $400,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $287,520 | 4,175 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,947,000 | 3,315 |
| Total interest expense | $2,655,000 | 3,911 |
| Net interest income | $6,292,000 | 3,014 |
| Provision for loan and lease losses | $259,000 | 3,788 |
| Total noninterest income | $1,124,000 | 3,204 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $852,000 | 1,899 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $272,000 | 4,466 |
| Total noninterest expense | $5,203,000 | 2,824 |
| Salaries and employee benefits | $2,808,000 | 2,805 |
| Premises and equipment expense | $776,000 | 2,744 |
| Additional noninterest expense | $1,619,000 | 2,775 |
| Pre-tax net operating income | $1,954,000 | 3,489 |
| Securities gains (losses) | $147,000 | 1,406 |
| Applicable income taxes | $725,000 | 2,770 |
| Income before extraordinary items | $1,376,000 | 3,735 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,376,000 | 3,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,978 |
| Cash dividends | $425,000 | 3,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,280,450 | 3,816 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,926,000 | 3,329 |
| Total interest expense | $4,293,000 | 3,594 |
| Net interest income | $5,633,000 | 3,114 |
| Provision for loan and lease losses | $239,000 | 3,779 |
| Total noninterest income | $1,104,000 | 3,112 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $833,000 | 1,832 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $271,000 | 4,328 |
| Total noninterest expense | $4,787,000 | 2,929 |
| Salaries and employee benefits | $2,604,000 | 2,847 |
| Premises and equipment expense | $674,000 | 3,051 |
| Additional noninterest expense | $1,509,000 | 2,853 |
| Pre-tax net operating income | $1,711,000 | 3,538 |
| Securities gains (losses) | $56,000 | 2,241 |
| Applicable income taxes | $625,000 | 2,894 |
| Income before extraordinary items | $1,142,000 | 3,931 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,142,000 | 3,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,513 |
| Cash dividends | $375,000 | 4,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,105,600 | 3,895 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,154,000 | 3,351 |
| Total interest expense | $4,234,000 | 3,808 |
| Net interest income | $5,920,000 | 2,985 |
| Provision for loan and lease losses | $544,000 | 1,745 |
| Total noninterest income | $753,000 | 3,800 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $551,000 | 2,463 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $202,000 | 4,785 |
| Total noninterest expense | $4,208,000 | 3,194 |
| Salaries and employee benefits | $2,240,000 | 3,136 |
| Premises and equipment expense | $617,000 | 3,186 |
| Additional noninterest expense | $1,351,000 | 3,074 |
| Pre-tax net operating income | $1,921,000 | 3,427 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $650,000 | 2,956 |
| Income before extraordinary items | $1,281,000 | 3,678 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,281,000 | 3,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,743 |
| Cash dividends | $525,000 | 3,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,274,400 | 3,684 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,573,000 | 3,665 |
| Total interest expense | $3,317,000 | 4,234 |
| Net interest income | $5,256,000 | 3,305 |
| Provision for loan and lease losses | $280,000 | 2,822 |
| Total noninterest income | $726,000 | 3,894 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $521,000 | 2,533 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $205,000 | 4,886 |
| Total noninterest expense | $3,891,000 | 3,397 |
| Salaries and employee benefits | $2,079,000 | 3,318 |
| Premises and equipment expense | $608,000 | 3,211 |
| Additional noninterest expense | $1,204,000 | 3,423 |
| Pre-tax net operating income | $1,811,000 | 3,593 |
| Securities gains (losses) | $17,000 | 1,477 |
| Applicable income taxes | $635,000 | 3,096 |
| Income before extraordinary items | $1,193,000 | 3,901 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,193,000 | 3,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $730,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,181,950 | 3,890 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,857,000 | 4,006 |
| Total interest expense | $3,290,000 | 4,380 |
| Net interest income | $4,567,000 | 3,681 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $780,000 | 3,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $495,000 | 2,582 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,140 |
| Total noninterest expense | $3,832,000 | 3,348 |
| Salaries and employee benefits | $2,062,000 | 3,239 |
| Premises and equipment expense | $596,000 | 3,188 |
| Additional noninterest expense | $1,174,000 | 3,439 |
| Pre-tax net operating income | $1,335,000 | 4,540 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $438,000 | 4,188 |
| Income before extraordinary items | $903,000 | 4,813 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $903,000 | 4,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $898,980 | 4,734 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,229,000 | 4,370 |
| Total interest expense | $2,889,000 | 4,872 |
| Net interest income | $4,340,000 | 3,936 |
| Provision for loan and lease losses | $209,000 | 3,361 |
| Total noninterest income | $734,000 | 3,826 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $504,000 | 2,605 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $230,000 | 4,605 |
| Total noninterest expense | $3,489,000 | 3,623 |
| Salaries and employee benefits | $1,863,000 | 3,524 |
| Premises and equipment expense | $469,000 | 3,917 |
| Additional noninterest expense | $1,157,000 | 3,449 |
| Pre-tax net operating income | $1,376,000 | 4,774 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $431,000 | 4,655 |
| Income before extraordinary items | $950,000 | 4,875 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $950,000 | 4,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,891 |
| Cash dividends | $395,000 | 4,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $946,550 | 4,828 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,668,000 | 4,776 |
| Total interest expense | $2,730,000 | 5,181 |
| Net interest income | $3,938,000 | 4,390 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $648,000 | 4,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $468,000 | 2,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,465 |
| Total noninterest expense | $3,257,000 | 4,040 |
| Salaries and employee benefits | $1,747,000 | 3,770 |
| Premises and equipment expense | $415,000 | 4,408 |
| Additional noninterest expense | $1,095,000 | 4,073 |
| Pre-tax net operating income | $1,229,000 | 5,037 |
| Securities gains (losses) | $6,000 | 2,865 |
| Applicable income taxes | $382,000 | 5,043 |
| Income before extraordinary items | $853,000 | 5,065 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $853,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 3,051 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $848,860 | 5,034 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,386,000 | 4,926 |
| Total interest expense | $2,656,000 | 5,299 |
| Net interest income | $3,730,000 | 4,605 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $489,000 | 5,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,745 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,260 |
| Total noninterest expense | $3,134,000 | 4,121 |
| Salaries and employee benefits | $1,737,000 | 3,755 |
| Premises and equipment expense | $423,000 | 4,322 |
| Additional noninterest expense | $974,000 | 4,454 |
| Pre-tax net operating income | $1,005,000 | 5,983 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $304,000 | 5,951 |
| Income before extraordinary items | $702,000 | 5,980 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $702,000 | 5,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,677 |
| Cash dividends | $430,000 | 3,691 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $701,300 | 5,969 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,742,000 | 5,057 |
| Total interest expense | $1,920,000 | 5,794 |
| Net interest income | $3,822,000 | 4,557 |
| Provision for loan and lease losses | $-10,000 | 11,755 |
| Total noninterest income | $494,000 | 5,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $331,000 | 4,019 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $163,000 | 5,950 |
| Total noninterest expense | $3,161,000 | 4,218 |
| Salaries and employee benefits | $1,721,000 | 3,789 |
| Premises and equipment expense | $487,000 | 3,887 |
| Additional noninterest expense | $953,000 | 4,911 |
| Pre-tax net operating income | $1,165,000 | 5,350 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $366,000 | 5,087 |
| Income before extraordinary items | $802,000 | 5,361 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $802,000 | 5,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $350,000 | 4,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $799,930 | 5,435 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,770,000 | 5,137 |
| Total interest expense | $2,020,000 | 5,790 |
| Net interest income | $3,750,000 | 4,664 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $478,000 | 5,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $308,000 | 4,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 6,167 |
| Total noninterest expense | $3,241,000 | 4,210 |
| Salaries and employee benefits | $1,755,000 | 3,700 |
| Premises and equipment expense | $509,000 | 3,807 |
| Additional noninterest expense | $977,000 | 5,020 |
| Pre-tax net operating income | $937,000 | 6,180 |
| Securities gains (losses) | $8,000 | 5,699 |
| Applicable income taxes | $286,000 | 6,253 |
| Income before extraordinary items | $659,000 | 6,366 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $659,000 | 6,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 3,099 |
| Cash dividends | $250,000 | 4,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $653,400 | 6,167 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,410,000 | 5,201 |
| Total interest expense | $2,592,000 | 5,808 |
| Net interest income | $3,818,000 | 4,639 |
| Provision for loan and lease losses | $230,000 | 4,844 |
| Total noninterest income | $430,000 | 6,269 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,410 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,224 |
| Total noninterest expense | $2,846,000 | 4,750 |
| Salaries and employee benefits | $1,480,000 | 4,288 |
| Premises and equipment expense | $434,000 | 4,484 |
| Additional noninterest expense | $932,000 | 5,362 |
| Pre-tax net operating income | $1,172,000 | 5,010 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $347,000 | 5,391 |
| Income before extraordinary items | $828,000 | 5,225 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $828,000 | 5,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 5,229 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $825,900 | 4,932 |
* 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.