NBanC, Income and Expense
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,837,000 | 3,213 |
| Total interest expense | $1,774,000 | 4,050 |
| Net interest income | $4,063,000 | 2,675 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $424,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $212,000 | 3,363 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $212,000 | 3,649 |
| Total noninterest expense | $3,168,000 | 2,912 |
| Salaries and employee benefits | $1,826,000 | 2,770 |
| Premises and equipment expense | $492,000 | 2,680 |
| Additional noninterest expense | $850,000 | 3,171 |
| Pre-tax net operating income | $1,199,000 | 2,590 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,199,000 | 2,197 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,199,000 | 2,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,861 |
| Cash dividends | $950,000 | 1,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,199,000 | 2,148 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,073,000 | 3,159 |
| Total interest expense | $1,003,000 | 3,912 |
| Net interest income | $2,070,000 | 2,637 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $214,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $100,000 | 3,452 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $114,000 | 3,537 |
| Total noninterest expense | $1,553,000 | 2,951 |
| Salaries and employee benefits | $899,000 | 2,834 |
| Premises and equipment expense | $245,000 | 2,704 |
| Additional noninterest expense | $409,000 | 3,251 |
| Pre-tax net operating income | $671,000 | 2,497 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $671,000 | 2,096 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $671,000 | 2,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 2,607 |
| Cash dividends | $375,000 | 1,669 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $671,000 | 2,034 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,580,000 | 2,930 |
| Total interest expense | $5,421,000 | 3,261 |
| Net interest income | $8,159,000 | 2,673 |
| Provision for loan and lease losses | $140,000 | 4,423 |
| Total noninterest income | $881,000 | 3,803 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $406,000 | 3,499 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $475,000 | 3,404 |
| Total noninterest expense | $5,906,000 | 3,005 |
| Salaries and employee benefits | $3,544,000 | 2,773 |
| Premises and equipment expense | $881,000 | 2,851 |
| Additional noninterest expense | $1,481,000 | 3,454 |
| Pre-tax net operating income | $2,994,000 | 2,478 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-25,000 | 7,863 |
| Income before extraordinary items | $3,019,000 | 2,043 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,019,000 | 2,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,452 |
| Cash dividends | $1,875,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,019,000 | 2,025 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,175,000 | 2,945 |
| Total interest expense | $4,058,000 | 3,255 |
| Net interest income | $6,117,000 | 2,685 |
| Provision for loan and lease losses | $80,000 | 4,491 |
| Total noninterest income | $672,000 | 3,768 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $309,000 | 3,461 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $363,000 | 3,386 |
| Total noninterest expense | $4,093,000 | 3,189 |
| Salaries and employee benefits | $2,378,000 | 3,057 |
| Premises and equipment expense | $646,000 | 2,885 |
| Additional noninterest expense | $1,069,000 | 3,515 |
| Pre-tax net operating income | $2,616,000 | 2,352 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-25,000 | 8,095 |
| Income before extraordinary items | $2,641,000 | 1,916 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,641,000 | 1,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,542 |
| Cash dividends | $1,875,000 | 1,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,641,000 | 1,902 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,574,000 | 3,026 |
| Total interest expense | $2,659,000 | 3,281 |
| Net interest income | $3,915,000 | 2,807 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $444,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $205,000 | 3,466 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $239,000 | 3,437 |
| Total noninterest expense | $2,629,000 | 3,315 |
| Salaries and employee benefits | $1,505,000 | 3,233 |
| Premises and equipment expense | $416,000 | 3,005 |
| Additional noninterest expense | $708,000 | 3,531 |
| Pre-tax net operating income | $1,670,000 | 2,496 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-25,000 | 8,221 |
| Income before extraordinary items | $1,695,000 | 2,018 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,695,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,719 |
| Cash dividends | $1,500,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,695,000 | 1,998 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,258,000 | 3,051 |
| Total interest expense | $1,343,000 | 3,250 |
| Net interest income | $1,915,000 | 2,866 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $241,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $103,000 | 3,387 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $138,000 | 3,163 |
| Total noninterest expense | $1,300,000 | 3,354 |
| Salaries and employee benefits | $750,000 | 3,268 |
| Premises and equipment expense | $204,000 | 3,055 |
| Additional noninterest expense | $346,000 | 3,559 |
| Pre-tax net operating income | $826,000 | 2,509 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-15,000 | 8,278 |
| Income before extraordinary items | $841,000 | 1,975 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $841,000 | 1,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,785 |
| Cash dividends | $750,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $841,000 | 1,968 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,704,000 | 2,946 |
| Total interest expense | $4,884,000 | 3,092 |
| Net interest income | $7,820,000 | 2,810 |
| Provision for loan and lease losses | $20,000 | 6,291 |
| Total noninterest income | $892,000 | 3,792 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $426,000 | 3,399 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $466,000 | 3,460 |
| Total noninterest expense | $5,327,000 | 3,175 |
| Salaries and employee benefits | $3,037,000 | 3,096 |
| Premises and equipment expense | $819,000 | 2,941 |
| Additional noninterest expense | $1,471,000 | 3,341 |
| Pre-tax net operating income | $3,365,000 | 2,566 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $3,365,000 | 2,079 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,365,000 | 2,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,041 |
| Cash dividends | $1,700,000 | 1,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,365,000 | 2,067 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,320,000 | 2,979 |
| Total interest expense | $3,476,000 | 3,130 |
| Net interest income | $5,844,000 | 2,839 |
| Provision for loan and lease losses | $20,000 | 5,975 |
| Total noninterest income | $683,000 | 3,772 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $324,000 | 3,399 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $359,000 | 3,387 |
| Total noninterest expense | $3,804,000 | 3,308 |
| Salaries and employee benefits | $2,101,000 | 3,310 |
| Premises and equipment expense | $610,000 | 2,961 |
| Additional noninterest expense | $1,093,000 | 3,372 |
| Pre-tax net operating income | $2,703,000 | 2,498 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,703,000 | 2,007 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,703,000 | 2,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $1,700,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,703,000 | 2,000 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,935,000 | 3,050 |
| Total interest expense | $2,073,000 | 3,280 |
| Net interest income | $3,862,000 | 2,870 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $439,000 | 3,823 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $215,000 | 3,385 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $224,000 | 3,521 |
| Total noninterest expense | $2,571,000 | 3,275 |
| Salaries and employee benefits | $1,393,000 | 3,337 |
| Premises and equipment expense | $392,000 | 3,049 |
| Additional noninterest expense | $786,000 | 3,182 |
| Pre-tax net operating income | $1,730,000 | 2,582 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,730,000 | 2,081 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,730,000 | 2,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,668 |
| Cash dividends | $1,200,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,730,000 | 2,068 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,806,000 | 3,150 |
| Total interest expense | $924,000 | 3,461 |
| Net interest income | $1,882,000 | 2,933 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $198,000 | 4,012 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $102,000 | 3,438 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $1,274,000 | 3,315 |
| Salaries and employee benefits | $683,000 | 3,398 |
| Premises and equipment expense | $194,000 | 3,094 |
| Additional noninterest expense | $397,000 | 3,141 |
| Pre-tax net operating income | $806,000 | 2,693 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $806,000 | 2,167 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $806,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $806,000 | 2,147 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,191,000 | 3,363 |
| Total interest expense | $2,642,000 | 3,676 |
| Net interest income | $6,549,000 | 3,195 |
| Provision for loan and lease losses | $65,000 | 5,371 |
| Total noninterest income | $893,000 | 3,816 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $411,000 | 3,492 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $482,000 | 3,437 |
| Total noninterest expense | $4,899,000 | 3,291 |
| Salaries and employee benefits | $2,751,000 | 3,203 |
| Premises and equipment expense | $742,000 | 3,096 |
| Additional noninterest expense | $1,406,000 | 3,400 |
| Pre-tax net operating income | $2,478,000 | 3,179 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $2,478,000 | 2,620 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,478,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,446 |
| Cash dividends | $500,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,478,000 | 2,595 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,707,000 | 3,383 |
| Total interest expense | $1,825,000 | 3,751 |
| Net interest income | $4,882,000 | 3,204 |
| Provision for loan and lease losses | $40,000 | 5,540 |
| Total noninterest income | $559,000 | 4,227 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $309,000 | 3,492 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $250,000 | 4,140 |
| Total noninterest expense | $3,575,000 | 3,344 |
| Salaries and employee benefits | $1,981,000 | 3,302 |
| Premises and equipment expense | $551,000 | 3,086 |
| Additional noninterest expense | $1,043,000 | 3,399 |
| Pre-tax net operating income | $1,826,000 | 3,266 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $1,826,000 | 2,666 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,826,000 | 2,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,186 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,826,000 | 2,621 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,227,000 | 3,469 |
| Total interest expense | $1,070,000 | 3,951 |
| Net interest income | $3,157,000 | 3,270 |
| Provision for loan and lease losses | $25,000 | 5,445 |
| Total noninterest income | $363,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $208,000 | 3,422 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $155,000 | 4,242 |
| Total noninterest expense | $2,364,000 | 3,340 |
| Salaries and employee benefits | $1,322,000 | 3,276 |
| Premises and equipment expense | $364,000 | 3,086 |
| Additional noninterest expense | $678,000 | 3,443 |
| Pre-tax net operating income | $1,131,000 | 3,398 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,131,000 | 2,801 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,131,000 | 2,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,119 |
| Cash dividends | $350,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,131,000 | 2,759 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,983,000 | 3,624 |
| Total interest expense | $481,000 | 4,129 |
| Net interest income | $1,502,000 | 3,409 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $173,000 | 4,337 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $101,000 | 3,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $72,000 | 4,397 |
| Total noninterest expense | $1,175,000 | 3,369 |
| Salaries and employee benefits | $658,000 | 3,289 |
| Premises and equipment expense | $182,000 | 3,111 |
| Additional noninterest expense | $335,000 | 3,479 |
| Pre-tax net operating income | $475,000 | 3,811 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $475,000 | 3,162 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $475,000 | 3,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $475,000 | 3,122 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,130,000 | 3,753 |
| Total interest expense | $1,299,000 | 4,897 |
| Net interest income | $5,831,000 | 3,370 |
| Provision for loan and lease losses | $160,000 | 4,119 |
| Total noninterest income | $779,000 | 4,119 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $429,000 | 3,483 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $350,000 | 3,967 |
| Total noninterest expense | $4,685,000 | 3,311 |
| Salaries and employee benefits | $2,700,000 | 3,142 |
| Premises and equipment expense | $734,000 | 3,005 |
| Additional noninterest expense | $1,251,000 | 3,625 |
| Pre-tax net operating income | $1,765,000 | 3,842 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,765,000 | 3,230 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,765,000 | 3,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,680 |
| Cash dividends | $3,413,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,765,000 | 3,171 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,241,000 | 3,781 |
| Total interest expense | $915,000 | 5,046 |
| Net interest income | $4,326,000 | 3,379 |
| Provision for loan and lease losses | $130,000 | 3,854 |
| Total noninterest income | $601,000 | 4,081 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $326,000 | 3,468 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $275,000 | 3,890 |
| Total noninterest expense | $3,316,000 | 3,440 |
| Salaries and employee benefits | $1,888,000 | 3,308 |
| Premises and equipment expense | $552,000 | 2,984 |
| Additional noninterest expense | $876,000 | 3,811 |
| Pre-tax net operating income | $1,481,000 | 3,604 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,481,000 | 2,982 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,481,000 | 2,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,248 |
| Cash dividends | $3,413,000 | 631 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,481,000 | 2,903 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,459,000 | 3,812 |
| Total interest expense | $609,000 | 5,063 |
| Net interest income | $2,850,000 | 3,411 |
| Provision for loan and lease losses | $85,000 | 3,829 |
| Total noninterest income | $400,000 | 4,093 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $215,000 | 3,478 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $185,000 | 3,904 |
| Total noninterest expense | $2,206,000 | 3,464 |
| Salaries and employee benefits | $1,257,000 | 3,315 |
| Premises and equipment expense | $358,000 | 3,073 |
| Additional noninterest expense | $591,000 | 3,793 |
| Pre-tax net operating income | $959,000 | 3,628 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $959,000 | 3,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $959,000 | 3,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $3,163,000 | 478 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $959,000 | 2,956 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,747,000 | 3,784 |
| Total interest expense | $305,000 | 5,116 |
| Net interest income | $1,442,000 | 3,363 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $211,000 | 3,938 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $103,000 | 3,510 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $108,000 | 3,546 |
| Total noninterest expense | $1,079,000 | 3,546 |
| Salaries and employee benefits | $629,000 | 3,331 |
| Premises and equipment expense | $170,000 | 3,240 |
| Additional noninterest expense | $280,000 | 3,953 |
| Pre-tax net operating income | $534,000 | 3,359 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $534,000 | 2,781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $534,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $2,700,000 | 293 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $534,000 | 2,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,812,000 | 3,907 |
| Total interest expense | $1,347,000 | 5,220 |
| Net interest income | $5,465,000 | 3,451 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $785,000 | 4,282 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $439,000 | 3,440 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $346,000 | 4,240 |
| Total noninterest expense | $4,427,000 | 3,392 |
| Salaries and employee benefits | $2,504,000 | 3,264 |
| Premises and equipment expense | $729,000 | 2,979 |
| Additional noninterest expense | $1,194,000 | 3,736 |
| Pre-tax net operating income | $1,643,000 | 3,882 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $11,000 | 7,016 |
| Income before extraordinary items | $1,632,000 | 3,336 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,632,000 | 3,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,958 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,632,000 | 3,191 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,150,000 | 3,930 |
| Total interest expense | $1,028,000 | 5,292 |
| Net interest income | $4,122,000 | 3,434 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $579,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $327,000 | 3,451 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,363 |
| Total noninterest expense | $3,071,000 | 3,627 |
| Salaries and employee benefits | $1,746,000 | 3,457 |
| Premises and equipment expense | $530,000 | 3,057 |
| Additional noninterest expense | $795,000 | 4,075 |
| Pre-tax net operating income | $1,495,000 | 3,521 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $11,000 | 7,039 |
| Income before extraordinary items | $1,484,000 | 2,991 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,484,000 | 2,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,187 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,484,000 | 2,845 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 3,983 |
| Total interest expense | $704,000 | 5,318 |
| Net interest income | $2,711,000 | 3,479 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $390,000 | 4,308 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $221,000 | 3,380 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $169,000 | 4,347 |
| Total noninterest expense | $1,981,000 | 3,720 |
| Salaries and employee benefits | $1,140,000 | 3,509 |
| Premises and equipment expense | $337,000 | 3,179 |
| Additional noninterest expense | $504,000 | 4,217 |
| Pre-tax net operating income | $1,030,000 | 3,458 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,030,000 | 2,911 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,030,000 | 2,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,030,000 | 2,752 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 4,014 |
| Total interest expense | $347,000 | 5,473 |
| Net interest income | $1,356,000 | 3,451 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $200,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $110,000 | 3,304 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $90,000 | 4,120 |
| Total noninterest expense | $959,000 | 3,798 |
| Salaries and employee benefits | $570,000 | 3,505 |
| Premises and equipment expense | $167,000 | 3,194 |
| Additional noninterest expense | $222,000 | 4,600 |
| Pre-tax net operating income | $552,000 | 3,278 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $552,000 | 2,730 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $552,000 | 2,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $552,000 | 2,593 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,228,000 | 3,942 |
| Total interest expense | $1,819,000 | 5,117 |
| Net interest income | $5,409,000 | 3,422 |
| Provision for loan and lease losses | $310,000 | 3,349 |
| Total noninterest income | $834,000 | 3,882 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $449,000 | 3,240 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $385,000 | 3,779 |
| Total noninterest expense | $4,573,000 | 3,181 |
| Salaries and employee benefits | $2,411,000 | 3,207 |
| Premises and equipment expense | $814,000 | 2,646 |
| Additional noninterest expense | $1,348,000 | 3,254 |
| Pre-tax net operating income | $1,360,000 | 4,364 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $447,000 | 3,672 |
| Income before extraordinary items | $913,000 | 4,839 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $913,000 | 4,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,612 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $913,000 | 4,716 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,652,000 | 3,758 |
| Total interest expense | $3,110,000 | 4,593 |
| Net interest income | $5,542,000 | 3,158 |
| Provision for loan and lease losses | $80,000 | 5,977 |
| Total noninterest income | $909,000 | 3,553 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $451,000 | 3,089 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $458,000 | 3,277 |
| Total noninterest expense | $4,582,000 | 3,039 |
| Salaries and employee benefits | $2,357,000 | 3,110 |
| Premises and equipment expense | $810,000 | 2,600 |
| Additional noninterest expense | $1,415,000 | 3,027 |
| Pre-tax net operating income | $1,789,000 | 3,449 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $716,000 | 2,623 |
| Income before extraordinary items | $1,073,000 | 4,086 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,073,000 | 4,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,073,000 | 3,962 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,697,000 | 3,846 |
| Total interest expense | $3,817,000 | 4,129 |
| Net interest income | $4,880,000 | 3,552 |
| Provision for loan and lease losses | $211,000 | 3,618 |
| Total noninterest income | $880,000 | 3,446 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $402,000 | 3,230 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $478,000 | 3,022 |
| Total noninterest expense | $4,119,000 | 3,249 |
| Salaries and employee benefits | $1,963,000 | 3,517 |
| Premises and equipment expense | $774,000 | 2,656 |
| Additional noninterest expense | $1,382,000 | 3,024 |
| Pre-tax net operating income | $1,430,000 | 4,198 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $604,000 | 3,095 |
| Income before extraordinary items | $828,000 | 4,954 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $828,000 | 4,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-127,000 | 9,780 |
| Cash dividends | $900,000 | 2,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $826,720 | 4,949 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,786,000 | 4,017 |
| Total interest expense | $3,154,000 | 4,416 |
| Net interest income | $4,632,000 | 3,689 |
| Provision for loan and lease losses | $600,000 | 1,498 |
| Total noninterest income | $766,000 | 3,733 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $333,000 | 3,698 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $433,000 | 3,239 |
| Total noninterest expense | $3,994,000 | 3,320 |
| Salaries and employee benefits | $1,836,000 | 3,683 |
| Premises and equipment expense | $773,000 | 2,623 |
| Additional noninterest expense | $1,385,000 | 3,061 |
| Pre-tax net operating income | $804,000 | 5,913 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $381,000 | 4,293 |
| Income before extraordinary items | $423,000 | 6,858 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $423,000 | 6,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 1,188 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $423,000 | 6,829 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,276,000 | 4,255 |
| Total interest expense | $3,214,000 | 4,463 |
| Net interest income | $4,062,000 | 4,065 |
| Provision for loan and lease losses | $45,000 | 6,783 |
| Total noninterest income | $769,000 | 3,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $380,000 | 3,539 |
| Total noninterest expense | $3,613,000 | 3,514 |
| Salaries and employee benefits | $1,621,000 | 3,996 |
| Premises and equipment expense | $712,000 | 2,723 |
| Additional noninterest expense | $1,280,000 | 3,185 |
| Pre-tax net operating income | $1,173,000 | 4,961 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $518,000 | 3,747 |
| Income before extraordinary items | $655,000 | 5,792 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $655,000 | 5,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,667 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $655,000 | 5,686 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,178,000 | 4,946 |
| Total interest expense | $2,529,000 | 5,366 |
| Net interest income | $3,649,000 | 4,576 |
| Provision for loan and lease losses | $68,000 | 5,978 |
| Total noninterest income | $469,000 | 5,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $309,000 | 3,978 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,533 |
| Total noninterest expense | $2,988,000 | 4,111 |
| Salaries and employee benefits | $1,388,000 | 4,543 |
| Premises and equipment expense | $533,000 | 3,501 |
| Additional noninterest expense | $1,067,000 | 3,678 |
| Pre-tax net operating income | $1,062,000 | 5,646 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $458,000 | 4,473 |
| Income before extraordinary items | $604,000 | 6,345 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $604,000 | 6,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,617 |
| Cash dividends | $675,000 | 2,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $604,000 | 6,290 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,628,000 | 5,426 |
| Total interest expense | $2,319,000 | 5,817 |
| Net interest income | $3,309,000 | 5,068 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $375,000 | 6,167 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,572 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 6,940 |
| Total noninterest expense | $2,815,000 | 4,530 |
| Salaries and employee benefits | $1,379,000 | 4,636 |
| Premises and equipment expense | $464,000 | 4,017 |
| Additional noninterest expense | $972,000 | 4,509 |
| Pre-tax net operating income | $869,000 | 6,208 |
| Securities gains (losses) | $34,000 | 1,599 |
| Applicable income taxes | $405,000 | 4,857 |
| Income before extraordinary items | $498,000 | 6,917 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $498,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $500,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $476,240 | 7,004 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,694,000 | 6,245 |
| Total interest expense | $2,020,000 | 6,417 |
| Net interest income | $2,674,000 | 6,006 |
| Provision for loan and lease losses | $-18,000 | 11,463 |
| Total noninterest income | $290,000 | 7,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 8,506 |
| Total noninterest expense | $2,447,000 | 5,088 |
| Salaries and employee benefits | $1,166,000 | 5,341 |
| Premises and equipment expense | $319,000 | 5,376 |
| Additional noninterest expense | $962,000 | 4,505 |
| Pre-tax net operating income | $535,000 | 8,252 |
| Securities gains (losses) | $56,000 | 1,233 |
| Applicable income taxes | $233,000 | 6,914 |
| Income before extraordinary items | $358,000 | 8,405 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $358,000 | 8,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,829 |
| Cash dividends | $280,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $322,160 | 8,691 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,770,000 | 6,973 |
| Total interest expense | $1,276,000 | 7,635 |
| Net interest income | $2,494,000 | 6,498 |
| Provision for loan and lease losses | $-135,000 | 12,237 |
| Total noninterest income | $318,000 | 7,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,491 |
| Total noninterest expense | $2,354,000 | 5,441 |
| Salaries and employee benefits | $1,507,000 | 4,267 |
| Premises and equipment expense | $224,000 | 6,985 |
| Additional noninterest expense | $623,000 | 6,866 |
| Pre-tax net operating income | $593,000 | 8,043 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $161,000 | 8,089 |
| Income before extraordinary items | $430,000 | 7,901 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $430,000 | 7,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 11,786 |
| Cash dividends | $275,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $431,460 | 7,940 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,635,000 | 7,354 |
| Total interest expense | $1,202,000 | 8,241 |
| Net interest income | $2,433,000 | 6,667 |
| Provision for loan and lease losses | $-62,000 | 12,798 |
| Total noninterest income | $316,000 | 7,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,318 |
| Total noninterest expense | $1,914,000 | 6,578 |
| Salaries and employee benefits | $960,000 | 6,354 |
| Premises and equipment expense | $237,000 | 6,945 |
| Additional noninterest expense | $717,000 | 6,436 |
| Pre-tax net operating income | $897,000 | 6,360 |
| Securities gains (losses) | $21,000 | 4,601 |
| Applicable income taxes | $308,000 | 5,974 |
| Income before extraordinary items | $610,000 | 6,706 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $610,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 12,222 |
| Cash dividends | $544,000 | 2,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $596,140 | 6,565 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,582,000 | 8,065 |
| Total interest expense | $1,377,000 | 8,934 |
| Net interest income | $2,205,000 | 7,231 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $287,000 | 7,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 9,058 |
| Total noninterest expense | $1,818,000 | 6,890 |
| Salaries and employee benefits | $944,000 | 6,371 |
| Premises and equipment expense | $234,000 | 7,098 |
| Additional noninterest expense | $640,000 | 7,178 |
| Pre-tax net operating income | $649,000 | 7,393 |
| Securities gains (losses) | $40,000 | 4,499 |
| Applicable income taxes | $219,000 | 7,205 |
| Income before extraordinary items | $470,000 | 7,580 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $470,000 | 7,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 4,745 |
| Cash dividends | $341,000 | 3,722 |
| Sale, conversion, retirement of capital stock, net | $-1,000,000 | 13,877 |
| Net operating income | $442,800 | 7,456 |
* 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.