NBank, Income and Expense
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,551,000 | 5,136 |
| Total interest expense | $1,104,000 | 3,751 |
| Net interest income | $447,000 | 6,865 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $342,000 | 2,856 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $96,000 | 3,535 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $246,000 | 2,237 |
| Total noninterest expense | $2,409,000 | 1,923 |
| Salaries and employee benefits | $793,000 | 3,110 |
| Premises and equipment expense | $331,000 | 1,972 |
| Additional noninterest expense | $1,285,000 | 1,061 |
| Pre-tax net operating income | $-1,620,000 | 8,617 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-1,620,000 | 8,617 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,620,000 | 8,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $692,000 | 322 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-1,620,000 | 8,610 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,943,000 | 2,553 |
| Total interest expense | $8,211,000 | 2,006 |
| Net interest income | $6,732,000 | 3,216 |
| Provision for loan and lease losses | $-44,000 | 8,383 |
| Total noninterest income | $16,499,000 | 439 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $845,000 | 2,026 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $15,654,000 | 314 |
| Total noninterest expense | $23,413,000 | 756 |
| Salaries and employee benefits | $11,426,000 | 847 |
| Premises and equipment expense | $2,969,000 | 852 |
| Additional noninterest expense | $9,018,000 | 612 |
| Pre-tax net operating income | $-138,000 | 8,071 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $-138,000 | 8,107 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-138,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,961 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-138,000 | 8,096 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,106,000 | 2,224 |
| Total interest expense | $7,026,000 | 1,736 |
| Net interest income | $6,080,000 | 2,752 |
| Provision for loan and lease losses | $300,000 | 2,139 |
| Total noninterest income | $7,248,000 | 640 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $713,000 | 1,832 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,535,000 | 471 |
| Total noninterest expense | $20,055,000 | 675 |
| Salaries and employee benefits | $10,027,000 | 708 |
| Premises and equipment expense | $2,590,000 | 747 |
| Additional noninterest expense | $7,438,000 | 570 |
| Pre-tax net operating income | $-7,027,000 | 8,736 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $-7,027,000 | 8,738 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-7,027,000 | 8,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,435 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-7,027,000 | 8,730 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,387,000 | 1,890 |
| Total interest expense | $5,433,000 | 1,418 |
| Net interest income | $4,954,000 | 2,343 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $5,636,000 | 575 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $452,000 | 1,896 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,184,000 | 421 |
| Total noninterest expense | $16,184,000 | 583 |
| Salaries and employee benefits | $8,306,000 | 589 |
| Premises and equipment expense | $1,876,000 | 708 |
| Additional noninterest expense | $6,002,000 | 490 |
| Pre-tax net operating income | $-5,894,000 | 8,771 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $-5,894,000 | 8,771 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,894,000 | 8,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,112 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-5,894,000 | 8,764 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 1,491 |
| Total interest expense | $3,022,000 | 1,228 |
| Net interest income | $3,338,000 | 1,723 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $3,344,000 | 510 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $158,000 | 2,487 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,186,000 | 374 |
| Total noninterest expense | $14,293,000 | 350 |
| Salaries and employee benefits | $4,979,000 | 498 |
| Premises and equipment expense | $970,000 | 676 |
| Additional noninterest expense | $8,344,000 | 246 |
| Pre-tax net operating income | $-7,611,000 | 8,794 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-2,899,000 | 8,783 |
| Income before extraordinary items | $-4,712,000 | 8,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,712,000 | 8,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-4,712,000 | 8,780 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $30,865,000 | 1,067 |
| Total interest expense | $12,598,000 | 889 |
| Net interest income | $18,267,000 | 1,174 |
| Provision for loan and lease losses | $-260,000 | 8,717 |
| Total noninterest income | $18,639,000 | 426 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $726,000 | 2,281 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $17,913,000 | 305 |
| Total noninterest expense | $48,252,000 | 397 |
| Salaries and employee benefits | $23,249,000 | 409 |
| Premises and equipment expense | $3,814,000 | 644 |
| Additional noninterest expense | $21,189,000 | 320 |
| Pre-tax net operating income | $-11,086,000 | 8,828 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,631,000 | 1,079 |
| Income before extraordinary items | $-13,717,000 | 8,828 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-13,717,000 | 8,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-260,000 | 8,749 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,200,000 | 455 |
| Net operating income | $-13,717,000 | 8,820 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $23,398,000 | 1,022 |
| Total interest expense | $8,968,000 | 886 |
| Net interest income | $14,430,000 | 1,116 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $14,652,000 | 413 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $556,000 | 2,236 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,096,000 | 304 |
| Total noninterest expense | $31,102,000 | 456 |
| Salaries and employee benefits | $18,135,000 | 393 |
| Premises and equipment expense | $2,878,000 | 635 |
| Additional noninterest expense | $10,089,000 | 436 |
| Pre-tax net operating income | $-2,020,000 | 8,810 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-790,000 | 8,836 |
| Income before extraordinary items | $-1,230,000 | 8,777 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,230,000 | 8,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,970 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $1,200,000 | 328 |
| Net operating income | $-1,230,000 | 8,758 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,025,000 | 1,103 |
| Total interest expense | $4,994,000 | 984 |
| Net interest income | $9,031,000 | 1,173 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $8,485,000 | 441 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $372,000 | 2,198 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $8,113,000 | 321 |
| Total noninterest expense | $19,653,000 | 469 |
| Salaries and employee benefits | $11,768,000 | 398 |
| Premises and equipment expense | $1,917,000 | 628 |
| Additional noninterest expense | $5,968,000 | 480 |
| Pre-tax net operating income | $-2,137,000 | 8,842 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-826,000 | 8,850 |
| Income before extraordinary items | $-1,311,000 | 8,827 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,311,000 | 8,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-1,311,000 | 8,812 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,675,000 | 1,147 |
| Total interest expense | $2,284,000 | 1,023 |
| Net interest income | $4,391,000 | 1,196 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $3,580,000 | 468 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $186,000 | 2,145 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,394,000 | 343 |
| Total noninterest expense | $9,564,000 | 466 |
| Salaries and employee benefits | $5,720,000 | 402 |
| Premises and equipment expense | $967,000 | 614 |
| Additional noninterest expense | $2,877,000 | 486 |
| Pre-tax net operating income | $-1,593,000 | 8,917 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-544,000 | 8,912 |
| Income before extraordinary items | $-1,049,000 | 8,905 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-1,049,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,290 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-1,049,000 | 8,895 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $30,306,000 | 926 |
| Total interest expense | $6,900,000 | 1,177 |
| Net interest income | $23,406,000 | 843 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $16,554,000 | 439 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $833,000 | 2,066 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,721,000 | 319 |
| Total noninterest expense | $43,601,000 | 415 |
| Salaries and employee benefits | $28,163,000 | 327 |
| Premises and equipment expense | $4,131,000 | 548 |
| Additional noninterest expense | $11,307,000 | 492 |
| Pre-tax net operating income | $-3,641,000 | 8,941 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-1,268,000 | 8,943 |
| Income before extraordinary items | $-2,373,000 | 8,929 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,373,000 | 8,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,368 |
| Cash dividends | $535,000 | 3,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-2,373,000 | 8,915 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $22,757,000 | 911 |
| Total interest expense | $4,784,000 | 1,262 |
| Net interest income | $17,973,000 | 826 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $12,665,000 | 444 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $626,000 | 2,080 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,039,000 | 325 |
| Total noninterest expense | $31,952,000 | 426 |
| Salaries and employee benefits | $21,113,000 | 331 |
| Premises and equipment expense | $3,135,000 | 547 |
| Additional noninterest expense | $7,704,000 | 525 |
| Pre-tax net operating income | $-1,314,000 | 8,937 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-472,000 | 8,975 |
| Income before extraordinary items | $-842,000 | 8,904 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-842,000 | 8,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,770 |
| Cash dividends | $535,000 | 2,588 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-842,000 | 8,883 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $14,853,000 | 918 |
| Total interest expense | $3,068,000 | 1,289 |
| Net interest income | $11,785,000 | 830 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $8,985,000 | 424 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $413,000 | 2,096 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $8,572,000 | 315 |
| Total noninterest expense | $20,659,000 | 439 |
| Salaries and employee benefits | $13,921,000 | 330 |
| Premises and equipment expense | $2,105,000 | 541 |
| Additional noninterest expense | $4,633,000 | 574 |
| Pre-tax net operating income | $111,000 | 7,838 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $22,000 | 6,231 |
| Income before extraordinary items | $89,000 | 7,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 7,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,118 |
| Cash dividends | $185,000 | 3,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $89,000 | 7,828 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,101,000 | 1,143 |
| Total interest expense | $1,300,000 | 1,539 |
| Net interest income | $4,801,000 | 1,025 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $4,076,000 | 446 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $193,000 | 2,146 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,883,000 | 315 |
| Total noninterest expense | $9,309,000 | 481 |
| Salaries and employee benefits | $6,441,000 | 365 |
| Premises and equipment expense | $967,000 | 603 |
| Additional noninterest expense | $1,901,000 | 671 |
| Pre-tax net operating income | $-582,000 | 9,055 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-197,000 | 9,066 |
| Income before extraordinary items | $-385,000 | 9,026 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-385,000 | 9,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,552 |
| Cash dividends | $185,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-385,000 | 9,004 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $25,984,000 | 1,090 |
| Total interest expense | $6,107,000 | 1,453 |
| Net interest income | $19,877,000 | 971 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $8,832,000 | 726 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $887,000 | 1,945 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,945,000 | 529 |
| Total noninterest expense | $28,007,000 | 607 |
| Salaries and employee benefits | $17,061,000 | 512 |
| Premises and equipment expense | $2,724,000 | 828 |
| Additional noninterest expense | $8,222,000 | 656 |
| Pre-tax net operating income | $702,000 | 6,009 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $158,000 | 5,212 |
| Income before extraordinary items | $544,000 | 6,160 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $544,000 | 6,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $602,000 | 1,389 |
| Cash dividends | $610,000 | 3,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $544,000 | 6,011 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,809,000 | 1,033 |
| Total interest expense | $4,768,000 | 1,458 |
| Net interest income | $16,041,000 | 920 |
| Provision for loan and lease losses | $1,350,000 | 696 |
| Total noninterest income | $7,166,000 | 703 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $665,000 | 1,948 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,501,000 | 530 |
| Total noninterest expense | $18,979,000 | 678 |
| Salaries and employee benefits | $12,204,000 | 544 |
| Premises and equipment expense | $1,895,000 | 903 |
| Additional noninterest expense | $4,880,000 | 797 |
| Pre-tax net operating income | $2,878,000 | 2,110 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $924,000 | 1,978 |
| Income before extraordinary items | $1,954,000 | 2,385 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,954,000 | 2,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 963 |
| Cash dividends | $610,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,954,000 | 2,270 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,527,000 | 1,078 |
| Total interest expense | $3,202,000 | 1,502 |
| Net interest income | $10,325,000 | 942 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $4,046,000 | 784 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $446,000 | 1,902 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,600,000 | 590 |
| Total noninterest expense | $11,439,000 | 724 |
| Salaries and employee benefits | $7,769,000 | 569 |
| Premises and equipment expense | $1,239,000 | 922 |
| Additional noninterest expense | $2,431,000 | 1,046 |
| Pre-tax net operating income | $2,632,000 | 1,594 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $859,000 | 1,528 |
| Income before extraordinary items | $1,773,000 | 1,816 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,773,000 | 1,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 1,479 |
| Cash dividends | $310,000 | 2,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,773,000 | 1,696 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,117,000 | 1,211 |
| Total interest expense | $1,655,000 | 1,500 |
| Net interest income | $4,462,000 | 1,101 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $1,933,000 | 800 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $230,000 | 1,784 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,703,000 | 603 |
| Total noninterest expense | $5,101,000 | 797 |
| Salaries and employee benefits | $3,391,000 | 642 |
| Premises and equipment expense | $594,000 | 970 |
| Additional noninterest expense | $1,116,000 | 1,108 |
| Pre-tax net operating income | $1,144,000 | 1,823 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $374,000 | 1,725 |
| Income before extraordinary items | $770,000 | 2,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $770,000 | 2,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,101 |
| Cash dividends | $310,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $770,000 | 1,919 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,926,000 | 1,398 |
| Total interest expense | $5,860,000 | 1,938 |
| Net interest income | $16,066,000 | 1,204 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $8,712,000 | 686 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,008,000 | 1,605 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,704,000 | 515 |
| Total noninterest expense | $18,991,000 | 831 |
| Salaries and employee benefits | $11,989,000 | 690 |
| Premises and equipment expense | $2,156,000 | 1,018 |
| Additional noninterest expense | $4,846,000 | 1,016 |
| Pre-tax net operating income | $5,187,000 | 1,580 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,717,000 | 1,474 |
| Income before extraordinary items | $3,470,000 | 1,728 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,470,000 | 1,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $352,000 | 2,127 |
| Cash dividends | $740,000 | 2,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,470,000 | 1,671 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $22,385,000 | 1,512 |
| Total interest expense | $9,806,000 | 1,650 |
| Net interest income | $12,579,000 | 1,413 |
| Provision for loan and lease losses | $785,000 | 1,528 |
| Total noninterest income | $5,329,000 | 938 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,035,000 | 1,440 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,294,000 | 733 |
| Total noninterest expense | $15,189,000 | 976 |
| Salaries and employee benefits | $9,122,000 | 807 |
| Premises and equipment expense | $1,965,000 | 1,084 |
| Additional noninterest expense | $4,102,000 | 1,167 |
| Pre-tax net operating income | $1,934,000 | 3,255 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $710,000 | 2,642 |
| Income before extraordinary items | $1,224,000 | 3,752 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,224,000 | 3,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 2,410 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,224,000 | 3,636 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $18,480,000 | 1,892 |
| Total interest expense | $8,800,000 | 1,962 |
| Net interest income | $9,680,000 | 1,817 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $3,452,000 | 1,191 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $998,000 | 1,367 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,454,000 | 983 |
| Total noninterest expense | $11,589,000 | 1,204 |
| Salaries and employee benefits | $5,750,000 | 1,237 |
| Premises and equipment expense | $1,900,000 | 1,053 |
| Additional noninterest expense | $3,939,000 | 1,161 |
| Pre-tax net operating income | $1,193,000 | 4,736 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $420,000 | 3,881 |
| Income before extraordinary items | $773,000 | 5,141 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $773,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $405,000 | 1,461 |
| Cash dividends | $100,000 | 5,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $773,000 | 5,139 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,982,000 | 2,707 |
| Total interest expense | $4,714,000 | 3,092 |
| Net interest income | $7,268,000 | 2,427 |
| Provision for loan and lease losses | $470,000 | 1,859 |
| Total noninterest income | $3,232,000 | 1,271 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $914,000 | 1,420 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,318,000 | 1,037 |
| Total noninterest expense | $9,086,000 | 1,528 |
| Salaries and employee benefits | $4,628,000 | 1,504 |
| Premises and equipment expense | $1,681,000 | 1,198 |
| Additional noninterest expense | $2,777,000 | 1,605 |
| Pre-tax net operating income | $944,000 | 5,476 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $342,000 | 4,527 |
| Income before extraordinary items | $603,000 | 5,881 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $603,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,459 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $602,360 | 5,861 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,113,000 | 2,901 |
| Total interest expense | $4,609,000 | 3,233 |
| Net interest income | $6,504,000 | 2,627 |
| Provision for loan and lease losses | $320,000 | 2,466 |
| Total noninterest income | $3,265,000 | 1,264 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $909,000 | 1,384 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,356,000 | 1,052 |
| Total noninterest expense | $8,342,000 | 1,591 |
| Salaries and employee benefits | $4,293,000 | 1,534 |
| Premises and equipment expense | $1,778,000 | 1,082 |
| Additional noninterest expense | $2,271,000 | 1,856 |
| Pre-tax net operating income | $1,107,000 | 5,121 |
| Securities gains (losses) | $14,000 | 2,712 |
| Applicable income taxes | $408,000 | 4,364 |
| Income before extraordinary items | $713,000 | 5,553 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $713,000 | 5,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $481,000 | 1,297 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $704,040 | 5,485 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,410,000 | 3,108 |
| Total interest expense | $4,121,000 | 3,564 |
| Net interest income | $6,289,000 | 2,773 |
| Provision for loan and lease losses | $292,000 | 2,684 |
| Total noninterest income | $2,277,000 | 1,588 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $939,000 | 1,370 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,338,000 | 1,438 |
| Total noninterest expense | $6,777,000 | 1,908 |
| Salaries and employee benefits | $3,330,000 | 1,975 |
| Premises and equipment expense | $1,578,000 | 1,250 |
| Additional noninterest expense | $1,869,000 | 2,228 |
| Pre-tax net operating income | $1,497,000 | 4,505 |
| Securities gains (losses) | $-14,000 | 10,204 |
| Applicable income taxes | $526,000 | 4,064 |
| Income before extraordinary items | $957,000 | 4,855 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $957,000 | 4,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,457 |
| Cash dividends | $700,000 | 2,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $966,100 | 4,759 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,104,000 | 2,964 |
| Total interest expense | $4,293,000 | 3,473 |
| Net interest income | $6,811,000 | 2,586 |
| Provision for loan and lease losses | $280,000 | 2,725 |
| Total noninterest income | $2,680,000 | 1,477 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,117,000 | 1,194 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,563,000 | 1,358 |
| Total noninterest expense | $5,652,000 | 2,433 |
| Salaries and employee benefits | $3,042,000 | 2,198 |
| Premises and equipment expense | $1,007,000 | 1,985 |
| Additional noninterest expense | $1,603,000 | 2,955 |
| Pre-tax net operating income | $3,559,000 | 2,026 |
| Securities gains (losses) | $76,000 | 1,096 |
| Applicable income taxes | $1,121,000 | 2,124 |
| Income before extraordinary items | $2,514,000 | 1,968 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,514,000 | 1,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $2,500,000 | 1,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,461,560 | 1,972 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $10,621,000 | 3,123 |
| Total interest expense | $4,176,000 | 3,553 |
| Net interest income | $6,445,000 | 2,771 |
| Provision for loan and lease losses | $215,000 | 2,872 |
| Total noninterest income | $1,448,000 | 2,340 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $1,072,000 | 1,247 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $376,000 | 3,449 |
| Total noninterest expense | $5,522,000 | 2,464 |
| Salaries and employee benefits | $2,803,000 | 2,366 |
| Premises and equipment expense | $969,000 | 2,075 |
| Additional noninterest expense | $1,750,000 | 2,682 |
| Pre-tax net operating income | $2,156,000 | 3,263 |
| Securities gains (losses) | $-5,000 | 9,676 |
| Applicable income taxes | $722,000 | 3,155 |
| Income before extraordinary items | $1,429,000 | 3,391 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,429,000 | 3,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,739 |
| Cash dividends | $800,000 | 2,402 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,432,300 | 3,357 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,062,000 | 3,308 |
| Total interest expense | $3,447,000 | 3,491 |
| Net interest income | $5,615,000 | 3,191 |
| Provision for loan and lease losses | $160,000 | 3,463 |
| Total noninterest income | $1,234,000 | 2,683 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $932,000 | 1,448 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $302,000 | 4,074 |
| Total noninterest expense | $5,138,000 | 2,705 |
| Salaries and employee benefits | $2,557,000 | 2,601 |
| Premises and equipment expense | $937,000 | 2,154 |
| Additional noninterest expense | $1,644,000 | 3,059 |
| Pre-tax net operating income | $1,551,000 | 4,285 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $546,000 | 3,792 |
| Income before extraordinary items | $1,003,000 | 4,537 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,003,000 | 4,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,957 |
| Cash dividends | $800,000 | 2,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,004,300 | 4,577 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,872,000 | 3,463 |
| Total interest expense | $3,429,000 | 3,661 |
| Net interest income | $5,443,000 | 3,303 |
| Provision for loan and lease losses | $250,000 | 3,377 |
| Total noninterest income | $1,181,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $929,000 | 1,451 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $252,000 | 4,987 |
| Total noninterest expense | $5,376,000 | 2,659 |
| Salaries and employee benefits | $2,443,000 | 2,706 |
| Premises and equipment expense | $927,000 | 2,211 |
| Additional noninterest expense | $2,006,000 | 2,730 |
| Pre-tax net operating income | $998,000 | 5,892 |
| Securities gains (losses) | $-11,000 | 12,798 |
| Applicable income taxes | $316,000 | 5,893 |
| Income before extraordinary items | $671,000 | 6,289 |
| Extraordinary gains, net | $193,000 | 1,039 |
| Net income | $861,000 | 5,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 3,007 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $678,480 | 6,003 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,124,000 | 3,809 |
| Total interest expense | $4,006,000 | 4,072 |
| Net interest income | $5,118,000 | 3,558 |
| Provision for loan and lease losses | $210,000 | 5,090 |
| Total noninterest income | $1,182,000 | 2,901 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $890,000 | 1,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $292,000 | 4,505 |
| Total noninterest expense | $5,482,000 | 2,634 |
| Salaries and employee benefits | $2,301,000 | 2,823 |
| Premises and equipment expense | $993,000 | 2,106 |
| Additional noninterest expense | $2,188,000 | 2,609 |
| Pre-tax net operating income | $608,000 | 7,650 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $105,000 | 9,775 |
| Income before extraordinary items | $505,000 | 7,288 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $505,000 | 7,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 4,263 |
| Cash dividends | $550,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $503,340 | 6,923 |
* 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.