Home > New Windsor State Bank > Income and Expense
New Windsor State Bank, Income and Expense
| 2017-06-30 (YTD Data) | Rank | |
| Total interest income | $6,277,000 | 2,031 |
| Total interest expense | $658,000 | 2,055 |
| Net interest income | $5,619,000 | 2,009 |
| Provision for loan and lease losses | $0 | 3,871 |
| Total noninterest income | $1,199,000 | 1,828 |
| Gross Fiduciary activities income | $0 | 1,079 |
| Service charges on deposit accounts | $386,000 | 1,451 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $813,000 | 1,758 |
| Total noninterest expense | $10,284,000 | 1,045 |
| Salaries and employee benefits | $4,043,000 | 1,403 |
| Premises and equipment expense | $982,000 | 1,196 |
| Additional noninterest expense | $5,259,000 | 651 |
| Pre-tax net operating income | $-3,466,000 | 5,784 |
| Securities gains (losses) | $0 | 1,906 |
| Applicable income taxes | $-1,385,000 | 5,775 |
| Income before extraordinary items | $-2,081,000 | 5,767 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $-2,081,000 | 5,767 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $-2,081,000 | 5,767 |
| Net charge-offs | $187,000 | 1,094 |
| Cash dividends | $650,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $-2,081,000 | 5,767 |
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $3,059,000 | 2,073 |
| Total interest expense | $320,000 | 2,067 |
| Net interest income | $2,739,000 | 2,042 |
| Provision for loan and lease losses | $0 | 3,537 |
| Total noninterest income | $588,000 | 1,851 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $192,000 | 1,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $396,000 | 1,760 |
| Total noninterest expense | $2,676,000 | 1,816 |
| Salaries and employee benefits | $1,538,000 | 1,795 |
| Premises and equipment expense | $439,000 | 1,345 |
| Additional noninterest expense | $699,000 | 2,046 |
| Pre-tax net operating income | $651,000 | 2,660 |
| Securities gains (losses) | $0 | 1,153 |
| Applicable income taxes | $246,000 | 1,675 |
| Income before extraordinary items | $405,000 | 3,111 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $405,000 | 3,110 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $405,000 | 3,111 |
| Net charge-offs | $0 | 2,943 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 632 |
| Net operating income | $405,000 | 3,094 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $12,111,000 | 2,061 |
| Total interest expense | $1,158,000 | 2,196 |
| Net interest income | $10,953,000 | 2,016 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $2,569,000 | 1,819 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $796,000 | 1,446 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $1,773,000 | 1,705 |
| Total noninterest expense | $10,835,000 | 1,771 |
| Salaries and employee benefits | $6,063,000 | 1,774 |
| Premises and equipment expense | $1,710,000 | 1,349 |
| Additional noninterest expense | $3,062,000 | 1,945 |
| Pre-tax net operating income | $2,687,000 | 2,563 |
| Securities gains (losses) | $126,000 | 1,177 |
| Applicable income taxes | $1,083,000 | 1,564 |
| Income before extraordinary items | $1,730,000 | 3,035 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,730,000 | 3,034 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,730,000 | 3,034 |
| Net charge-offs | $153,000 | 2,201 |
| Cash dividends | $525,000 | 2,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $1,649,360 | 3,062 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $9,061,000 | 2,066 |
| Total interest expense | $837,000 | 2,250 |
| Net interest income | $8,224,000 | 2,020 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $1,889,000 | 1,847 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $585,000 | 1,469 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $1,304,000 | 1,727 |
| Total noninterest expense | $8,001,000 | 1,790 |
| Salaries and employee benefits | $4,440,000 | 1,800 |
| Premises and equipment expense | $1,270,000 | 1,360 |
| Additional noninterest expense | $2,291,000 | 1,935 |
| Pre-tax net operating income | $2,112,000 | 2,527 |
| Securities gains (losses) | $126,000 | 1,105 |
| Applicable income taxes | $865,000 | 1,558 |
| Income before extraordinary items | $1,373,000 | 2,956 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,373,000 | 2,956 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,373,000 | 2,956 |
| Net charge-offs | $156,000 | 1,659 |
| Cash dividends | $125,000 | 3,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $1,292,360 | 3,012 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $5,979,000 | 2,088 |
| Total interest expense | $539,000 | 2,309 |
| Net interest income | $5,440,000 | 2,040 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $1,271,000 | 1,821 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $384,000 | 1,482 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $887,000 | 1,692 |
| Total noninterest expense | $5,292,000 | 1,809 |
| Salaries and employee benefits | $2,913,000 | 1,831 |
| Premises and equipment expense | $847,000 | 1,361 |
| Additional noninterest expense | $1,532,000 | 1,939 |
| Pre-tax net operating income | $1,419,000 | 2,496 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $551,000 | 1,568 |
| Income before extraordinary items | $868,000 | 3,029 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $868,000 | 3,027 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $868,000 | 3,028 |
| Net charge-offs | $156,000 | 1,292 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $868,000 | 2,971 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $3,015,000 | 2,073 |
| Total interest expense | $268,000 | 2,327 |
| Net interest income | $2,747,000 | 2,027 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $569,000 | 1,909 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $210,000 | 1,381 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $359,000 | 1,873 |
| Total noninterest expense | $2,624,000 | 1,829 |
| Salaries and employee benefits | $1,433,000 | 1,875 |
| Premises and equipment expense | $429,000 | 1,353 |
| Additional noninterest expense | $762,000 | 1,924 |
| Pre-tax net operating income | $692,000 | 2,508 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $271,000 | 1,574 |
| Income before extraordinary items | $421,000 | 3,035 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $421,000 | 3,033 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $421,000 | 3,034 |
| Net charge-offs | $163,000 | 759 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $421,000 | 2,978 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $11,800,000 | 2,052 |
| Total interest expense | $1,107,000 | 2,255 |
| Net interest income | $10,693,000 | 2,018 |
| Provision for loan and lease losses | $0 | 4,380 |
| Total noninterest income | $2,410,000 | 1,862 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $800,000 | 1,476 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,610,000 | 1,766 |
| Total noninterest expense | $9,810,000 | 1,930 |
| Salaries and employee benefits | $5,343,000 | 1,948 |
| Premises and equipment expense | $1,631,000 | 1,412 |
| Additional noninterest expense | $2,836,000 | 2,110 |
| Pre-tax net operating income | $3,293,000 | 2,165 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $1,291,000 | 1,355 |
| Income before extraordinary items | $2,002,000 | 2,737 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,002,000 | 2,739 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,002,000 | 2,740 |
| Net charge-offs | $505,000 | 1,153 |
| Cash dividends | $125,000 | 3,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $2,002,000 | 2,689 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $8,742,000 | 2,094 |
| Total interest expense | $834,000 | 2,271 |
| Net interest income | $7,908,000 | 2,054 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $1,800,000 | 1,897 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $558,000 | 1,578 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,242,000 | 1,751 |
| Total noninterest expense | $7,184,000 | 1,977 |
| Salaries and employee benefits | $3,912,000 | 1,998 |
| Premises and equipment expense | $1,227,000 | 1,414 |
| Additional noninterest expense | $2,045,000 | 2,164 |
| Pre-tax net operating income | $2,524,000 | 2,172 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $989,000 | 1,373 |
| Income before extraordinary items | $1,535,000 | 2,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,535,000 | 2,724 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,535,000 | 2,725 |
| Net charge-offs | $394,000 | 1,018 |
| Cash dividends | $125,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $1,535,000 | 2,673 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $5,798,000 | 2,105 |
| Total interest expense | $558,000 | 2,271 |
| Net interest income | $5,240,000 | 2,053 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $1,142,000 | 1,970 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $326,000 | 1,740 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $816,000 | 1,788 |
| Total noninterest expense | $4,710,000 | 2,023 |
| Salaries and employee benefits | $2,533,000 | 2,061 |
| Premises and equipment expense | $841,000 | 1,401 |
| Additional noninterest expense | $1,336,000 | 2,199 |
| Pre-tax net operating income | $1,672,000 | 2,170 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $656,000 | 1,380 |
| Income before extraordinary items | $1,016,000 | 2,727 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,016,000 | 2,728 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,016,000 | 2,729 |
| Net charge-offs | $371,000 | 801 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $1,016,000 | 2,675 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,825,000 | 2,141 |
| Total interest expense | $277,000 | 2,308 |
| Net interest income | $2,548,000 | 2,094 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $513,000 | 2,065 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $151,000 | 1,808 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $362,000 | 1,879 |
| Total noninterest expense | $2,290,000 | 2,067 |
| Salaries and employee benefits | $1,209,000 | 2,142 |
| Premises and equipment expense | $441,000 | 1,365 |
| Additional noninterest expense | $640,000 | 2,280 |
| Pre-tax net operating income | $771,000 | 2,263 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $301,000 | 1,438 |
| Income before extraordinary items | $470,000 | 2,842 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $470,000 | 2,845 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $470,000 | 2,845 |
| Net charge-offs | $273,000 | 581 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $470,000 | 2,770 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $11,281,000 | 2,145 |
| Total interest expense | $1,397,000 | 2,010 |
| Net interest income | $9,884,000 | 2,153 |
| Provision for loan and lease losses | $110,000 | 3,095 |
| Total noninterest income | $1,987,000 | 2,112 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $684,000 | 1,781 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,303,000 | 1,960 |
| Total noninterest expense | $9,251,000 | 2,038 |
| Salaries and employee benefits | $4,571,000 | 2,219 |
| Premises and equipment expense | $1,921,000 | 1,247 |
| Additional noninterest expense | $2,759,000 | 2,200 |
| Pre-tax net operating income | $2,510,000 | 2,581 |
| Securities gains (losses) | $-37,000 | 6,212 |
| Applicable income taxes | $960,000 | 1,586 |
| Income before extraordinary items | $1,513,000 | 3,234 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,513,000 | 3,234 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,513,000 | 3,235 |
| Net charge-offs | $88,000 | 3,301 |
| Cash dividends | $275,000 | 3,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,536,680 | 3,144 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $8,444,000 | 2,165 |
| Total interest expense | $1,105,000 | 1,945 |
| Net interest income | $7,339,000 | 2,189 |
| Provision for loan and lease losses | $110,000 | 2,695 |
| Total noninterest income | $1,530,000 | 2,083 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $514,000 | 1,787 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,016,000 | 1,906 |
| Total noninterest expense | $6,886,000 | 2,058 |
| Salaries and employee benefits | $3,349,000 | 2,277 |
| Premises and equipment expense | $1,453,000 | 1,241 |
| Additional noninterest expense | $2,084,000 | 2,164 |
| Pre-tax net operating income | $1,873,000 | 2,631 |
| Securities gains (losses) | $-35,000 | 6,310 |
| Applicable income taxes | $712,000 | 1,623 |
| Income before extraordinary items | $1,126,000 | 3,270 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,126,000 | 3,269 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,126,000 | 3,271 |
| Net charge-offs | $57,000 | 3,160 |
| Cash dividends | $165,000 | 3,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,148,400 | 3,195 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $5,568,000 | 2,179 |
| Total interest expense | $755,000 | 1,926 |
| Net interest income | $4,813,000 | 2,200 |
| Provision for loan and lease losses | $110,000 | 2,256 |
| Total noninterest income | $982,000 | 2,115 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $333,000 | 1,810 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $649,000 | 1,940 |
| Total noninterest expense | $4,523,000 | 2,090 |
| Salaries and employee benefits | $2,198,000 | 2,308 |
| Premises and equipment expense | $975,000 | 1,243 |
| Additional noninterest expense | $1,350,000 | 2,205 |
| Pre-tax net operating income | $1,162,000 | 2,716 |
| Securities gains (losses) | $-21,000 | 6,384 |
| Applicable income taxes | $441,000 | 1,673 |
| Income before extraordinary items | $700,000 | 3,338 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $700,000 | 3,344 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $700,000 | 3,344 |
| Net charge-offs | $-7,000 | 5,559 |
| Cash dividends | $45,000 | 3,465 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $713,440 | 3,259 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,758,000 | 2,194 |
| Total interest expense | $388,000 | 1,916 |
| Net interest income | $2,370,000 | 2,229 |
| Provision for loan and lease losses | $70,000 | 1,937 |
| Total noninterest income | $498,000 | 2,047 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $168,000 | 1,780 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $330,000 | 1,877 |
| Total noninterest expense | $2,242,000 | 2,119 |
| Salaries and employee benefits | $1,092,000 | 2,322 |
| Premises and equipment expense | $508,000 | 1,221 |
| Additional noninterest expense | $642,000 | 2,331 |
| Pre-tax net operating income | $556,000 | 2,703 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $214,000 | 1,655 |
| Income before extraordinary items | $342,000 | 3,296 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $342,000 | 3,299 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $342,000 | 3,299 |
| Net charge-offs | $-12,000 | 5,829 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $342,000 | 3,263 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $10,621,000 | 2,288 |
| Total interest expense | $2,175,000 | 1,570 |
| Net interest income | $8,446,000 | 2,474 |
| Provision for loan and lease losses | $145,000 | 3,307 |
| Total noninterest income | $2,139,000 | 2,061 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $863,000 | 1,544 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,276,000 | 2,052 |
| Total noninterest expense | $8,933,000 | 2,128 |
| Salaries and employee benefits | $4,467,000 | 2,267 |
| Premises and equipment expense | $1,896,000 | 1,245 |
| Additional noninterest expense | $2,570,000 | 2,395 |
| Pre-tax net operating income | $1,507,000 | 3,389 |
| Securities gains (losses) | $1,000 | 3,056 |
| Applicable income taxes | $576,000 | 2,010 |
| Income before extraordinary items | $932,000 | 4,020 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $932,000 | 4,023 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $932,000 | 4,023 |
| Net charge-offs | $298,000 | 2,591 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $931,360 | 3,974 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,952,000 | 2,300 |
| Total interest expense | $1,682,000 | 1,563 |
| Net interest income | $6,270,000 | 2,506 |
| Provision for loan and lease losses | $95,000 | 3,422 |
| Total noninterest income | $1,619,000 | 2,096 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $632,000 | 1,584 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $987,000 | 2,052 |
| Total noninterest expense | $6,696,000 | 2,115 |
| Salaries and employee benefits | $3,388,000 | 2,254 |
| Premises and equipment expense | $1,416,000 | 1,257 |
| Additional noninterest expense | $1,892,000 | 2,430 |
| Pre-tax net operating income | $1,098,000 | 3,521 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $419,000 | 2,091 |
| Income before extraordinary items | $679,000 | 4,104 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $679,000 | 4,107 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $679,000 | 4,108 |
| Net charge-offs | $170,000 | 2,738 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $679,000 | 4,032 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,293,000 | 2,310 |
| Total interest expense | $1,140,000 | 1,569 |
| Net interest income | $4,153,000 | 2,518 |
| Provision for loan and lease losses | $95,000 | 2,998 |
| Total noninterest income | $1,033,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $425,000 | 1,540 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $608,000 | 2,213 |
| Total noninterest expense | $4,493,000 | 2,097 |
| Salaries and employee benefits | $2,279,000 | 2,231 |
| Premises and equipment expense | $954,000 | 1,254 |
| Additional noninterest expense | $1,260,000 | 2,428 |
| Pre-tax net operating income | $598,000 | 3,827 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $227,000 | 2,307 |
| Income before extraordinary items | $371,000 | 4,453 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $371,000 | 4,455 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $371,000 | 4,456 |
| Net charge-offs | $97,000 | 2,791 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $371,000 | 4,346 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,678,000 | 2,309 |
| Total interest expense | $578,000 | 1,592 |
| Net interest income | $2,100,000 | 2,502 |
| Provision for loan and lease losses | $60,000 | 2,589 |
| Total noninterest income | $455,000 | 2,364 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $199,000 | 1,625 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $256,000 | 2,439 |
| Total noninterest expense | $2,208,000 | 2,155 |
| Salaries and employee benefits | $1,118,000 | 2,290 |
| Premises and equipment expense | $481,000 | 1,273 |
| Additional noninterest expense | $609,000 | 2,508 |
| Pre-tax net operating income | $287,000 | 3,879 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $109,000 | 2,317 |
| Income before extraordinary items | $178,000 | 4,471 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $178,000 | 4,473 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $178,000 | 4,473 |
| Net charge-offs | $-7,000 | 6,052 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $178,000 | 4,370 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $11,249,000 | 2,308 |
| Total interest expense | $2,730,000 | 1,625 |
| Net interest income | $8,519,000 | 2,516 |
| Provision for loan and lease losses | $731,000 | 2,210 |
| Total noninterest income | $2,277,000 | 2,005 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $911,000 | 1,530 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,366,000 | 1,966 |
| Total noninterest expense | $8,706,000 | 2,181 |
| Salaries and employee benefits | $4,387,000 | 2,256 |
| Premises and equipment expense | $1,871,000 | 1,270 |
| Additional noninterest expense | $2,448,000 | 2,618 |
| Pre-tax net operating income | $1,359,000 | 3,496 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $520,000 | 2,147 |
| Income before extraordinary items | $839,000 | 4,207 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $839,000 | 4,207 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $839,000 | 4,209 |
| Net charge-offs | $1,435,000 | 1,438 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $839,000 | 4,031 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,491,000 | 2,338 |
| Total interest expense | $2,115,000 | 1,646 |
| Net interest income | $6,376,000 | 2,562 |
| Provision for loan and lease losses | $566,000 | 2,125 |
| Total noninterest income | $1,761,000 | 1,959 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $660,000 | 1,591 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,101,000 | 1,872 |
| Total noninterest expense | $6,527,000 | 2,198 |
| Salaries and employee benefits | $3,282,000 | 2,264 |
| Premises and equipment expense | $1,398,000 | 1,283 |
| Additional noninterest expense | $1,847,000 | 2,609 |
| Pre-tax net operating income | $1,044,000 | 3,552 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $400,000 | 2,168 |
| Income before extraordinary items | $644,000 | 4,237 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $644,000 | 4,237 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $644,000 | 4,237 |
| Net charge-offs | $1,322,000 | 1,224 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $644,000 | 4,066 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,663,000 | 2,355 |
| Total interest expense | $1,460,000 | 1,647 |
| Net interest income | $4,203,000 | 2,592 |
| Provision for loan and lease losses | $412,000 | 2,036 |
| Total noninterest income | $1,204,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $445,000 | 1,565 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $759,000 | 1,816 |
| Total noninterest expense | $4,397,000 | 2,187 |
| Salaries and employee benefits | $2,211,000 | 2,247 |
| Premises and equipment expense | $936,000 | 1,272 |
| Additional noninterest expense | $1,250,000 | 2,583 |
| Pre-tax net operating income | $598,000 | 3,801 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $230,000 | 2,313 |
| Income before extraordinary items | $368,000 | 4,493 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $368,000 | 4,497 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $368,000 | 4,497 |
| Net charge-offs | $934,000 | 1,198 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $368,000 | 4,312 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,837,000 | 2,377 |
| Total interest expense | $766,000 | 1,636 |
| Net interest income | $2,071,000 | 2,637 |
| Provision for loan and lease losses | $246,000 | 1,782 |
| Total noninterest income | $632,000 | 1,841 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $212,000 | 1,606 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $420,000 | 1,693 |
| Total noninterest expense | $2,202,000 | 2,165 |
| Salaries and employee benefits | $1,125,000 | 2,216 |
| Premises and equipment expense | $463,000 | 1,293 |
| Additional noninterest expense | $614,000 | 2,602 |
| Pre-tax net operating income | $255,000 | 4,137 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $98,000 | 2,468 |
| Income before extraordinary items | $157,000 | 4,770 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $157,000 | 4,773 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $157,000 | 4,774 |
| Net charge-offs | $525,000 | 1,057 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $157,000 | 4,634 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,044,000 | 2,313 |
| Total interest expense | $3,221,000 | 1,836 |
| Net interest income | $8,823,000 | 2,491 |
| Provision for loan and lease losses | $3,465,000 | 1,063 |
| Total noninterest income | $797,000 | 3,533 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $838,000 | 1,724 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-41,000 | 6,808 |
| Total noninterest expense | $9,397,000 | 2,034 |
| Salaries and employee benefits | $4,797,000 | 2,023 |
| Premises and equipment expense | $1,887,000 | 1,317 |
| Additional noninterest expense | $2,713,000 | 2,422 |
| Pre-tax net operating income | $-3,242,000 | 6,939 |
| Securities gains (losses) | $539,000 | 751 |
| Applicable income taxes | $-1,068,000 | 7,182 |
| Income before extraordinary items | $-1,635,000 | 6,781 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,635,000 | 6,781 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,635,000 | 6,781 |
| Net charge-offs | $1,453,000 | 1,922 |
| Cash dividends | $52,000 | 3,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,979,960 | 6,808 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,150,000 | 2,313 |
| Total interest expense | $2,414,000 | 1,915 |
| Net interest income | $6,736,000 | 2,455 |
| Provision for loan and lease losses | $1,422,000 | 1,560 |
| Total noninterest income | $984,000 | 2,651 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $596,000 | 1,803 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $388,000 | 3,089 |
| Total noninterest expense | $7,117,000 | 2,026 |
| Salaries and employee benefits | $3,659,000 | 1,979 |
| Premises and equipment expense | $1,394,000 | 1,353 |
| Additional noninterest expense | $2,064,000 | 2,391 |
| Pre-tax net operating income | $-819,000 | 6,736 |
| Securities gains (losses) | $539,000 | 610 |
| Applicable income taxes | $-121,000 | 7,016 |
| Income before extraordinary items | $-159,000 | 6,470 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-159,000 | 6,474 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-159,000 | 6,473 |
| Net charge-offs | $1,086,000 | 1,816 |
| Cash dividends | $52,000 | 3,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-503,960 | 6,640 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,108,000 | 2,333 |
| Total interest expense | $1,597,000 | 1,986 |
| Net interest income | $4,511,000 | 2,438 |
| Provision for loan and lease losses | $929,000 | 1,558 |
| Total noninterest income | $873,000 | 2,192 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $382,000 | 1,835 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $491,000 | 2,126 |
| Total noninterest expense | $4,821,000 | 2,009 |
| Salaries and employee benefits | $2,467,000 | 1,976 |
| Premises and equipment expense | $940,000 | 1,342 |
| Additional noninterest expense | $1,414,000 | 2,373 |
| Pre-tax net operating income | $-366,000 | 6,700 |
| Securities gains (losses) | $12,000 | 2,290 |
| Applicable income taxes | $-146,000 | 7,167 |
| Income before extraordinary items | $-208,000 | 6,632 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-208,000 | 6,632 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-208,000 | 6,632 |
| Net charge-offs | $706,000 | 1,792 |
| Cash dividends | $52,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-215,680 | 6,617 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,049,000 | 2,352 |
| Total interest expense | $788,000 | 2,092 |
| Net interest income | $2,261,000 | 2,427 |
| Provision for loan and lease losses | $727,000 | 1,102 |
| Total noninterest income | $406,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $181,000 | 1,887 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $225,000 | 2,304 |
| Total noninterest expense | $2,456,000 | 1,973 |
| Salaries and employee benefits | $1,296,000 | 1,912 |
| Premises and equipment expense | $481,000 | 1,349 |
| Additional noninterest expense | $679,000 | 2,442 |
| Pre-tax net operating income | $-516,000 | 7,088 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-206,000 | 7,379 |
| Income before extraordinary items | $-310,000 | 6,992 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-310,000 | 6,992 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-310,000 | 6,992 |
| Net charge-offs | $362,000 | 1,601 |
| Cash dividends | $52,000 | 2,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-310,000 | 6,979 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,602,000 | 2,382 |
| Total interest expense | $3,477,000 | 2,281 |
| Net interest income | $9,125,000 | 2,393 |
| Provision for loan and lease losses | $1,246,000 | 2,723 |
| Total noninterest income | $1,777,000 | 2,245 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $793,000 | 1,844 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $984,000 | 2,199 |
| Total noninterest expense | $9,222,000 | 2,093 |
| Salaries and employee benefits | $4,786,000 | 2,020 |
| Premises and equipment expense | $1,856,000 | 1,384 |
| Additional noninterest expense | $2,580,000 | 2,607 |
| Pre-tax net operating income | $434,000 | 4,534 |
| Securities gains (losses) | $68,000 | 2,455 |
| Applicable income taxes | $178,000 | 2,802 |
| Income before extraordinary items | $324,000 | 4,867 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $324,000 | 4,870 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $324,000 | 4,870 |
| Net charge-offs | $632,000 | 3,324 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $279,800 | 4,870 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,522,000 | 2,422 |
| Total interest expense | $2,684,000 | 2,303 |
| Net interest income | $6,838,000 | 2,428 |
| Provision for loan and lease losses | $651,000 | 3,135 |
| Total noninterest income | $1,222,000 | 2,397 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $583,000 | 1,933 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $639,000 | 2,400 |
| Total noninterest expense | $6,872,000 | 2,109 |
| Salaries and employee benefits | $3,569,000 | 2,031 |
| Premises and equipment expense | $1,402,000 | 1,393 |
| Additional noninterest expense | $1,901,000 | 2,600 |
| Pre-tax net operating income | $537,000 | 4,110 |
| Securities gains (losses) | $68,000 | 2,245 |
| Applicable income taxes | $223,000 | 2,448 |
| Income before extraordinary items | $382,000 | 4,532 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $382,000 | 4,536 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $382,000 | 4,535 |
| Net charge-offs | $402,000 | 3,350 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $338,480 | 4,517 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,363,000 | 2,441 |
| Total interest expense | $1,834,000 | 2,340 |
| Net interest income | $4,529,000 | 2,443 |
| Provision for loan and lease losses | $426,000 | 3,101 |
| Total noninterest income | $705,000 | 2,577 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $392,000 | 1,930 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $313,000 | 2,783 |
| Total noninterest expense | $4,545,000 | 2,129 |
| Salaries and employee benefits | $2,326,000 | 2,090 |
| Premises and equipment expense | $952,000 | 1,388 |
| Additional noninterest expense | $1,267,000 | 2,597 |
| Pre-tax net operating income | $263,000 | 4,572 |
| Securities gains (losses) | $57,000 | 1,801 |
| Applicable income taxes | $115,000 | 2,664 |
| Income before extraordinary items | $205,000 | 4,865 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $205,000 | 4,866 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $205,000 | 4,865 |
| Net charge-offs | $285,000 | 3,113 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $168,520 | 4,950 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,143,000 | 2,526 |
| Total interest expense | $926,000 | 2,435 |
| Net interest income | $2,217,000 | 2,534 |
| Provision for loan and lease losses | $213,000 | 2,908 |
| Total noninterest income | $336,000 | 2,655 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $199,000 | 1,880 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $137,000 | 2,999 |
| Total noninterest expense | $2,262,000 | 2,153 |
| Salaries and employee benefits | $1,164,000 | 2,118 |
| Premises and equipment expense | $492,000 | 1,383 |
| Additional noninterest expense | $606,000 | 2,682 |
| Pre-tax net operating income | $78,000 | 5,319 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $26,000 | 3,267 |
| Income before extraordinary items | $52,000 | 5,675 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $52,000 | 5,676 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $52,000 | 5,675 |
| Net charge-offs | $124,000 | 2,924 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $52,000 | 5,575 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,136,000 | 2,717 |
| Total interest expense | $4,142,000 | 2,652 |
| Net interest income | $7,994,000 | 2,734 |
| Provision for loan and lease losses | $993,000 | 3,523 |
| Total noninterest income | $1,896,000 | 2,199 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $984,000 | 1,711 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $912,000 | 2,266 |
| Total noninterest expense | $8,678,000 | 2,283 |
| Salaries and employee benefits | $4,493,000 | 2,184 |
| Premises and equipment expense | $1,689,000 | 1,586 |
| Additional noninterest expense | $2,496,000 | 2,738 |
| Pre-tax net operating income | $219,000 | 4,746 |
| Securities gains (losses) | $1,000 | 3,653 |
| Applicable income taxes | $63,000 | 3,140 |
| Income before extraordinary items | $157,000 | 4,964 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $157,000 | 4,965 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $157,000 | 4,965 |
| Net charge-offs | $969,000 | 2,898 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $156,290 | 4,900 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,124,000 | 2,748 |
| Total interest expense | $3,141,000 | 2,744 |
| Net interest income | $5,983,000 | 2,744 |
| Provision for loan and lease losses | $630,000 | 3,453 |
| Total noninterest income | $1,414,000 | 2,259 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $716,000 | 1,768 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $698,000 | 2,301 |
| Total noninterest expense | $6,463,000 | 2,295 |
| Salaries and employee benefits | $3,332,000 | 2,228 |
| Premises and equipment expense | $1,264,000 | 1,613 |
| Additional noninterest expense | $1,867,000 | 2,719 |
| Pre-tax net operating income | $304,000 | 4,515 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $102,000 | 2,861 |
| Income before extraordinary items | $203,000 | 4,838 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $203,000 | 4,838 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $203,000 | 4,838 |
| Net charge-offs | $646,000 | 2,720 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $202,330 | 4,769 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,065,000 | 2,800 |
| Total interest expense | $2,106,000 | 2,843 |
| Net interest income | $3,959,000 | 2,748 |
| Provision for loan and lease losses | $385,000 | 3,343 |
| Total noninterest income | $953,000 | 2,252 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $458,000 | 1,806 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $495,000 | 2,241 |
| Total noninterest expense | $4,295,000 | 2,328 |
| Salaries and employee benefits | $2,206,000 | 2,291 |
| Premises and equipment expense | $843,000 | 1,642 |
| Additional noninterest expense | $1,246,000 | 2,733 |
| Pre-tax net operating income | $232,000 | 4,463 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $79,000 | 2,807 |
| Income before extraordinary items | $154,000 | 4,844 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $154,000 | 4,841 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $154,000 | 4,841 |
| Net charge-offs | $336,000 | 2,799 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $153,340 | 4,758 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,029,000 | 2,838 |
| Total interest expense | $1,060,000 | 2,923 |
| Net interest income | $1,969,000 | 2,748 |
| Provision for loan and lease losses | $185,000 | 2,963 |
| Total noninterest income | $434,000 | 2,361 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $228,000 | 1,768 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $206,000 | 2,467 |
| Total noninterest expense | $2,103,000 | 2,318 |
| Salaries and employee benefits | $1,114,000 | 2,295 |
| Premises and equipment expense | $431,000 | 1,644 |
| Additional noninterest expense | $558,000 | 2,729 |
| Pre-tax net operating income | $115,000 | 4,869 |
| Securities gains (losses) | $1,000 | 2,304 |
| Applicable income taxes | $39,000 | 3,088 |
| Income before extraordinary items | $77,000 | 5,278 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $77,000 | 5,283 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $77,000 | 5,282 |
| Net charge-offs | $148,000 | 2,437 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $76,340 | 5,122 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,910,000 | 2,845 |
| Total interest expense | $4,957,000 | 2,984 |
| Net interest income | $7,953,000 | 2,722 |
| Provision for loan and lease losses | $600,000 | 3,490 |
| Total noninterest income | $1,919,000 | 2,207 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $975,000 | 1,794 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $944,000 | 2,202 |
| Total noninterest expense | $8,276,000 | 2,310 |
| Salaries and employee benefits | $4,506,000 | 2,255 |
| Premises and equipment expense | $1,754,000 | 1,578 |
| Additional noninterest expense | $2,016,000 | 2,852 |
| Pre-tax net operating income | $996,000 | 3,763 |
| Securities gains (losses) | $-240,000 | 7,382 |
| Applicable income taxes | $260,000 | 2,554 |
| Income before extraordinary items | $496,000 | 4,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $496,000 | 4,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $462,000 | 2,907 |
| Cash dividends | $220,000 | 4,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $654,400 | 4,194 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,714,000 | 2,887 |
| Total interest expense | $3,826,000 | 3,023 |
| Net interest income | $5,888,000 | 2,764 |
| Provision for loan and lease losses | $450,000 | 2,889 |
| Total noninterest income | $1,437,000 | 2,267 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $708,000 | 1,857 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $729,000 | 2,259 |
| Total noninterest expense | $6,184,000 | 2,315 |
| Salaries and employee benefits | $3,376,000 | 2,279 |
| Premises and equipment expense | $1,334,000 | 1,572 |
| Additional noninterest expense | $1,474,000 | 2,812 |
| Pre-tax net operating income | $691,000 | 4,368 |
| Securities gains (losses) | $-240,000 | 7,632 |
| Applicable income taxes | $189,000 | 2,973 |
| Income before extraordinary items | $262,000 | 5,388 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $262,000 | 5,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 2,234 |
| Cash dividends | $220,000 | 3,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $415,600 | 4,899 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,410,000 | 2,957 |
| Total interest expense | $2,594,000 | 3,083 |
| Net interest income | $3,816,000 | 2,821 |
| Provision for loan and lease losses | $300,000 | 2,524 |
| Total noninterest income | $979,000 | 2,271 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $447,000 | 1,916 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $532,000 | 2,139 |
| Total noninterest expense | $4,138,000 | 2,312 |
| Salaries and employee benefits | $2,252,000 | 2,303 |
| Premises and equipment expense | $899,000 | 1,550 |
| Additional noninterest expense | $987,000 | 2,781 |
| Pre-tax net operating income | $357,000 | 4,985 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $119,000 | 3,271 |
| Income before extraordinary items | $238,000 | 5,361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $238,000 | 5,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,609 |
| Cash dividends | $154,000 | 3,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $238,000 | 5,284 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,217,000 | 3,020 |
| Total interest expense | $1,312,000 | 3,225 |
| Net interest income | $1,905,000 | 2,827 |
| Provision for loan and lease losses | $110,000 | 2,589 |
| Total noninterest income | $407,000 | 2,566 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $219,000 | 1,917 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $188,000 | 2,671 |
| Total noninterest expense | $2,084,000 | 2,286 |
| Salaries and employee benefits | $1,125,000 | 2,330 |
| Premises and equipment expense | $460,000 | 1,516 |
| Additional noninterest expense | $499,000 | 2,729 |
| Pre-tax net operating income | $118,000 | 5,796 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $35,000 | 3,907 |
| Income before extraordinary items | $83,000 | 6,073 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $83,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,517 |
| Cash dividends | $89,000 | 3,041 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $83,000 | 5,985 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,581,000 | 3,157 |
| Total interest expense | $5,081,000 | 3,426 |
| Net interest income | $7,500,000 | 2,913 |
| Provision for loan and lease losses | $520,000 | 2,271 |
| Total noninterest income | $1,652,000 | 2,544 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $843,000 | 2,049 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $809,000 | 2,544 |
| Total noninterest expense | $7,770,000 | 2,350 |
| Salaries and employee benefits | $4,235,000 | 2,376 |
| Premises and equipment expense | $1,674,000 | 1,593 |
| Additional noninterest expense | $1,861,000 | 2,842 |
| Pre-tax net operating income | $862,000 | 5,036 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $279,000 | 3,467 |
| Income before extraordinary items | $583,000 | 5,405 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $583,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $443,000 | 1,834 |
| Cash dividends | $672,000 | 3,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $583,000 | 5,387 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,359,000 | 3,174 |
| Total interest expense | $3,794,000 | 3,435 |
| Net interest income | $5,565,000 | 2,940 |
| Provision for loan and lease losses | $405,000 | 1,836 |
| Total noninterest income | $1,207,000 | 2,576 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $595,000 | 2,126 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $612,000 | 2,534 |
| Total noninterest expense | $5,703,000 | 2,376 |
| Salaries and employee benefits | $3,165,000 | 2,379 |
| Premises and equipment expense | $1,225,000 | 1,617 |
| Additional noninterest expense | $1,313,000 | 2,951 |
| Pre-tax net operating income | $664,000 | 5,228 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $219,000 | 3,604 |
| Income before extraordinary items | $445,000 | 5,602 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $445,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 1,238 |
| Cash dividends | $505,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $445,000 | 5,586 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,151,000 | 3,224 |
| Total interest expense | $2,515,000 | 3,437 |
| Net interest income | $3,636,000 | 3,022 |
| Provision for loan and lease losses | $270,000 | 1,691 |
| Total noninterest income | $788,000 | 2,622 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $373,000 | 2,232 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $415,000 | 2,524 |
| Total noninterest expense | $3,740,000 | 2,435 |
| Salaries and employee benefits | $2,126,000 | 2,402 |
| Premises and equipment expense | $776,000 | 1,714 |
| Additional noninterest expense | $838,000 | 3,072 |
| Pre-tax net operating income | $414,000 | 5,439 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $136,000 | 3,769 |
| Income before extraordinary items | $278,000 | 5,822 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $278,000 | 5,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 840 |
| Cash dividends | $335,000 | 2,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $278,000 | 5,810 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,045,000 | 3,237 |
| Total interest expense | $1,222,000 | 3,498 |
| Net interest income | $1,823,000 | 3,015 |
| Provision for loan and lease losses | $135,000 | 1,618 |
| Total noninterest income | $360,000 | 2,763 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $174,000 | 2,309 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $186,000 | 2,657 |
| Total noninterest expense | $1,896,000 | 2,410 |
| Salaries and employee benefits | $1,078,000 | 2,382 |
| Premises and equipment expense | $400,000 | 1,669 |
| Additional noninterest expense | $418,000 | 3,054 |
| Pre-tax net operating income | $152,000 | 6,035 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $48,000 | 4,172 |
| Income before extraordinary items | $104,000 | 6,337 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $104,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 603 |
| Cash dividends | $167,000 | 2,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $104,000 | 6,319 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,608,000 | 3,192 |
| Total interest expense | $4,264,000 | 3,436 |
| Net interest income | $7,344,000 | 2,980 |
| Provision for loan and lease losses | $480,000 | 1,962 |
| Total noninterest income | $1,362,000 | 2,883 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $570,000 | 2,795 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $792,000 | 2,591 |
| Total noninterest expense | $7,367,000 | 2,406 |
| Salaries and employee benefits | $4,080,000 | 2,404 |
| Premises and equipment expense | $1,489,000 | 1,704 |
| Additional noninterest expense | $1,798,000 | 2,821 |
| Pre-tax net operating income | $859,000 | 5,512 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $286,000 | 3,874 |
| Income before extraordinary items | $573,000 | 5,911 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $573,000 | 5,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,455 |
| Cash dividends | $937,000 | 2,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $573,000 | 5,907 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,618,000 | 3,194 |
| Total interest expense | $3,039,000 | 3,475 |
| Net interest income | $5,579,000 | 2,970 |
| Provision for loan and lease losses | $360,000 | 1,848 |
| Total noninterest income | $962,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $385,000 | 3,022 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $577,000 | 2,646 |
| Total noninterest expense | $5,436,000 | 2,429 |
| Salaries and employee benefits | $3,026,000 | 2,423 |
| Premises and equipment expense | $1,088,000 | 1,747 |
| Additional noninterest expense | $1,322,000 | 2,862 |
| Pre-tax net operating income | $745,000 | 5,373 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $254,000 | 3,814 |
| Income before extraordinary items | $491,000 | 5,799 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $491,000 | 5,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,870 |
| Cash dividends | $769,000 | 2,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $491,000 | 5,801 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,636,000 | 3,197 |
| Total interest expense | $1,885,000 | 3,558 |
| Net interest income | $3,751,000 | 2,960 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $621,000 | 3,051 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $246,000 | 3,088 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $375,000 | 2,655 |
| Total noninterest expense | $3,570,000 | 2,474 |
| Salaries and employee benefits | $1,979,000 | 2,460 |
| Premises and equipment expense | $697,000 | 1,813 |
| Additional noninterest expense | $894,000 | 2,834 |
| Pre-tax net operating income | $562,000 | 5,149 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $194,000 | 3,654 |
| Income before extraordinary items | $368,000 | 5,573 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $368,000 | 5,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,380 |
| Cash dividends | $400,000 | 2,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $368,000 | 5,574 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,739,000 | 3,208 |
| Total interest expense | $862,000 | 3,646 |
| Net interest income | $1,877,000 | 2,942 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $301,000 | 3,084 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $119,000 | 3,096 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $182,000 | 2,657 |
| Total noninterest expense | $1,710,000 | 2,582 |
| Salaries and employee benefits | $959,000 | 2,542 |
| Premises and equipment expense | $319,000 | 1,987 |
| Additional noninterest expense | $432,000 | 2,910 |
| Pre-tax net operating income | $348,000 | 4,601 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $122,000 | 3,320 |
| Income before extraordinary items | $226,000 | 5,069 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $226,000 | 5,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,092 |
| Cash dividends | $232,000 | 2,240 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $226,000 | 5,062 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,666,000 | 3,235 |
| Total interest expense | $2,852,000 | 3,482 |
| Net interest income | $6,814,000 | 3,109 |
| Provision for loan and lease losses | $398,000 | 2,293 |
| Total noninterest income | $1,012,000 | 3,531 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $391,000 | 3,605 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $621,000 | 2,998 |
| Total noninterest expense | $5,736,000 | 2,859 |
| Salaries and employee benefits | $3,224,000 | 2,789 |
| Premises and equipment expense | $975,000 | 2,422 |
| Additional noninterest expense | $1,537,000 | 3,164 |
| Pre-tax net operating income | $1,692,000 | 4,103 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $602,000 | 3,072 |
| Income before extraordinary items | $1,088,000 | 4,602 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,088,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,057 |
| Cash dividends | $480,000 | 3,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,089,280 | 4,554 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,072,000 | 3,257 |
| Total interest expense | $2,000,000 | 3,513 |
| Net interest income | $5,072,000 | 3,113 |
| Provision for loan and lease losses | $300,000 | 2,192 |
| Total noninterest income | $763,000 | 3,517 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $280,000 | 3,723 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $483,000 | 2,951 |
| Total noninterest expense | $4,125,000 | 2,933 |
| Salaries and employee benefits | $2,351,000 | 2,816 |
| Premises and equipment expense | $681,000 | 2,562 |
| Additional noninterest expense | $1,093,000 | 3,283 |
| Pre-tax net operating income | $1,410,000 | 3,917 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $504,000 | 2,919 |
| Income before extraordinary items | $904,000 | 4,443 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $904,000 | 4,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,990 |
| Cash dividends | $319,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $905,280 | 4,401 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,537,000 | 3,288 |
| Total interest expense | $1,267,000 | 3,494 |
| Net interest income | $3,270,000 | 3,176 |
| Provision for loan and lease losses | $184,000 | 2,284 |
| Total noninterest income | $472,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $160,000 | 3,998 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $312,000 | 2,991 |
| Total noninterest expense | $2,736,000 | 2,950 |
| Salaries and employee benefits | $1,567,000 | 2,812 |
| Premises and equipment expense | $452,000 | 2,568 |
| Additional noninterest expense | $717,000 | 3,306 |
| Pre-tax net operating income | $822,000 | 4,232 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $291,000 | 3,159 |
| Income before extraordinary items | $529,000 | 4,753 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $529,000 | 4,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,146 |
| Cash dividends | $163,000 | 3,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $530,300 | 4,691 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,152,000 | 3,390 |
| Total interest expense | $598,000 | 3,509 |
| Net interest income | $1,554,000 | 3,308 |
| Provision for loan and lease losses | $82,000 | 2,374 |
| Total noninterest income | $227,000 | 3,687 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $71,000 | 4,223 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $156,000 | 2,904 |
| Total noninterest expense | $1,341,000 | 3,003 |
| Salaries and employee benefits | $781,000 | 2,820 |
| Premises and equipment expense | $233,000 | 2,509 |
| Additional noninterest expense | $327,000 | 3,548 |
| Pre-tax net operating income | $358,000 | 4,546 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $124,000 | 3,414 |
| Income before extraordinary items | $232,000 | 5,054 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $232,000 | 5,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 1,217 |
| Cash dividends | $82,000 | 3,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $233,300 | 5,017 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,652,000 | 3,531 |
| Total interest expense | $2,036,000 | 3,592 |
| Net interest income | $5,616,000 | 3,486 |
| Provision for loan and lease losses | $256,000 | 3,206 |
| Total noninterest income | $955,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $325,000 | 4,133 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $630,000 | 2,896 |
| Total noninterest expense | $4,893,000 | 3,184 |
| Salaries and employee benefits | $2,805,000 | 3,026 |
| Premises and equipment expense | $840,000 | 2,671 |
| Additional noninterest expense | $1,248,000 | 3,633 |
| Pre-tax net operating income | $1,422,000 | 4,390 |
| Securities gains (losses) | $47,000 | 1,791 |
| Applicable income taxes | $509,000 | 3,321 |
| Income before extraordinary items | $960,000 | 4,799 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $960,000 | 4,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,264 |
| Cash dividends | $303,000 | 4,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $929,450 | 4,823 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,552,000 | 3,613 |
| Total interest expense | $1,494,000 | 3,622 |
| Net interest income | $4,058,000 | 3,557 |
| Provision for loan and lease losses | $168,000 | 3,352 |
| Total noninterest income | $727,000 | 3,637 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $241,000 | 4,185 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $486,000 | 2,853 |
| Total noninterest expense | $3,610,000 | 3,203 |
| Salaries and employee benefits | $2,078,000 | 3,026 |
| Premises and equipment expense | $622,000 | 2,697 |
| Additional noninterest expense | $910,000 | 3,685 |
| Pre-tax net operating income | $1,007,000 | 4,590 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $348,000 | 3,525 |
| Income before extraordinary items | $659,000 | 5,117 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $659,000 | 5,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,126 |
| Cash dividends | $228,000 | 3,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $659,000 | 5,031 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,594,000 | 3,702 |
| Total interest expense | $992,000 | 3,624 |
| Net interest income | $2,602,000 | 3,656 |
| Provision for loan and lease losses | $126,000 | 3,023 |
| Total noninterest income | $441,000 | 3,872 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $159,000 | 4,191 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $282,000 | 3,093 |
| Total noninterest expense | $2,422,000 | 3,192 |
| Salaries and employee benefits | $1,370,000 | 3,081 |
| Premises and equipment expense | $416,000 | 2,696 |
| Additional noninterest expense | $636,000 | 3,564 |
| Pre-tax net operating income | $495,000 | 5,330 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $164,000 | 4,105 |
| Income before extraordinary items | $331,000 | 5,817 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $331,000 | 5,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $151,000 | 3,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $331,000 | 5,731 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 3,709 |
| Total interest expense | $501,000 | 3,636 |
| Net interest income | $1,297,000 | 3,653 |
| Provision for loan and lease losses | $63,000 | 2,874 |
| Total noninterest income | $204,000 | 4,016 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $81,000 | 4,084 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $123,000 | 3,300 |
| Total noninterest expense | $1,212,000 | 3,203 |
| Salaries and employee benefits | $692,000 | 3,052 |
| Premises and equipment expense | $213,000 | 2,655 |
| Additional noninterest expense | $307,000 | 3,682 |
| Pre-tax net operating income | $226,000 | 5,542 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $74,000 | 4,258 |
| Income before extraordinary items | $152,000 | 5,987 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $152,000 | 5,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $76,000 | 3,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $152,000 | 5,862 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,054,000 | 3,796 |
| Total interest expense | $2,128,000 | 3,839 |
| Net interest income | $4,926,000 | 3,719 |
| Provision for loan and lease losses | $210,000 | 3,929 |
| Total noninterest income | $944,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $261,000 | 4,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $683,000 | 3,011 |
| Total noninterest expense | $4,215,000 | 3,552 |
| Salaries and employee benefits | $2,268,000 | 3,539 |
| Premises and equipment expense | $701,000 | 3,077 |
| Additional noninterest expense | $1,246,000 | 3,626 |
| Pre-tax net operating income | $1,445,000 | 4,214 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $513,000 | 3,331 |
| Income before extraordinary items | $932,000 | 4,848 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $932,000 | 4,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 3,563 |
| Cash dividends | $244,000 | 4,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $932,000 | 4,680 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,235,000 | 3,875 |
| Total interest expense | $1,621,000 | 3,907 |
| Net interest income | $3,614,000 | 3,809 |
| Provision for loan and lease losses | $155,000 | 3,838 |
| Total noninterest income | $749,000 | 3,789 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $179,000 | 4,891 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $570,000 | 2,902 |
| Total noninterest expense | $2,952,000 | 3,747 |
| Salaries and employee benefits | $1,621,000 | 3,665 |
| Premises and equipment expense | $495,000 | 3,245 |
| Additional noninterest expense | $836,000 | 3,947 |
| Pre-tax net operating income | $1,256,000 | 3,951 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $452,000 | 3,201 |
| Income before extraordinary items | $804,000 | 4,586 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $804,000 | 4,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,146 |
| Cash dividends | $168,000 | 4,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $804,000 | 4,414 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,501,000 | 3,897 |
| Total interest expense | $1,100,000 | 3,954 |
| Net interest income | $2,401,000 | 3,827 |
| Provision for loan and lease losses | $110,000 | 3,695 |
| Total noninterest income | $474,000 | 3,861 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $115,000 | 4,936 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $359,000 | 2,970 |
| Total noninterest expense | $1,893,000 | 3,850 |
| Salaries and employee benefits | $1,040,000 | 3,792 |
| Premises and equipment expense | $310,000 | 3,391 |
| Additional noninterest expense | $543,000 | 3,989 |
| Pre-tax net operating income | $872,000 | 3,835 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $315,000 | 3,153 |
| Income before extraordinary items | $557,000 | 4,505 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $557,000 | 4,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $92,000 | 4,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $557,000 | 4,293 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,745,000 | 3,934 |
| Total interest expense | $557,000 | 4,007 |
| Net interest income | $1,188,000 | 3,855 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $235,000 | 3,773 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 4,884 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $178,000 | 2,921 |
| Total noninterest expense | $932,000 | 3,882 |
| Salaries and employee benefits | $513,000 | 3,829 |
| Premises and equipment expense | $160,000 | 3,310 |
| Additional noninterest expense | $259,000 | 4,098 |
| Pre-tax net operating income | $431,000 | 3,863 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $156,000 | 3,152 |
| Income before extraordinary items | $275,000 | 4,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $275,000 | 4,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $22,000 | 3,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $275,000 | 4,271 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,182,000 | 3,969 |
| Total interest expense | $2,971,000 | 3,564 |
| Net interest income | $4,211,000 | 4,187 |
| Provision for loan and lease losses | $405,000 | 2,800 |
| Total noninterest income | $628,000 | 4,605 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $231,000 | 4,890 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $397,000 | 3,718 |
| Total noninterest expense | $3,355,000 | 4,099 |
| Salaries and employee benefits | $1,905,000 | 3,901 |
| Premises and equipment expense | $589,000 | 3,468 |
| Additional noninterest expense | $861,000 | 4,679 |
| Pre-tax net operating income | $1,079,000 | 5,016 |
| Securities gains (losses) | $222,000 | 1,093 |
| Applicable income taxes | $440,000 | 3,703 |
| Income before extraordinary items | $861,000 | 5,004 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $861,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 2,102 |
| Cash dividends | $232,000 | 4,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $714,480 | 5,366 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,108,000 | 4,380 |
| Total interest expense | $3,804,000 | 3,958 |
| Net interest income | $3,304,000 | 4,747 |
| Provision for loan and lease losses | $188,000 | 4,278 |
| Total noninterest income | $316,000 | 6,275 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $156,000 | 5,728 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $160,000 | 5,413 |
| Total noninterest expense | $2,563,000 | 4,878 |
| Salaries and employee benefits | $1,364,000 | 4,849 |
| Premises and equipment expense | $196,000 | 6,849 |
| Additional noninterest expense | $1,003,000 | 4,058 |
| Pre-tax net operating income | $869,000 | 5,286 |
| Securities gains (losses) | $4,000 | 4,008 |
| Applicable income taxes | $291,000 | 4,328 |
| Income before extraordinary items | $582,000 | 5,707 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $582,000 | 5,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,304 |
| Cash dividends | $402,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $579,320 | 5,588 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,761,000 | 5,220 |
| Total interest expense | $2,678,000 | 5,329 |
| Net interest income | $3,083,000 | 5,053 |
| Provision for loan and lease losses | $136,000 | 4,597 |
| Total noninterest income | $117,000 | 8,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,157 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $1,984,000 | 5,709 |
| Salaries and employee benefits | $1,079,000 | 5,627 |
| Premises and equipment expense | $100,000 | 8,440 |
| Additional noninterest expense | $805,000 | 4,722 |
| Pre-tax net operating income | $1,080,000 | 5,056 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $372,000 | 4,149 |
| Income before extraordinary items | $708,000 | 5,392 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $708,000 | 5,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,623 |
| Cash dividends | $302,000 | 4,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $708,000 | 5,396 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,028,000 | 5,555 |
| Total interest expense | $2,378,000 | 5,370 |
| Net interest income | $2,650,000 | 5,604 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $84,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 9,255 |
| Total noninterest expense | $1,459,000 | 6,884 |
| Salaries and employee benefits | $839,000 | 6,580 |
| Premises and equipment expense | $31,000 | 9,958 |
| Additional noninterest expense | $589,000 | 5,900 |
| Pre-tax net operating income | $1,125,000 | 4,965 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $387,000 | 4,254 |
| Income before extraordinary items | $738,000 | 5,317 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $738,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,815 |
| Cash dividends | $291,000 | 4,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $738,000 | 5,282 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 5,888 |
| Total interest expense | $2,198,000 | 5,837 |
| Net interest income | $2,538,000 | 5,795 |
| Provision for loan and lease losses | $181,000 | 3,721 |
| Total noninterest income | $88,000 | 9,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $1,062,000 | 7,932 |
| Salaries and employee benefits | $636,000 | 7,557 |
| Premises and equipment expense | $89,000 | 8,954 |
| Additional noninterest expense | $337,000 | 7,772 |
| Pre-tax net operating income | $1,383,000 | 4,442 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $492,000 | 3,878 |
| Income before extraordinary items | $891,000 | 4,864 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $891,000 | 4,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,126 |
| Cash dividends | $261,000 | 4,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $891,000 | 4,763 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,576,000 | 6,154 |
| Total interest expense | $2,226,000 | 5,833 |
| Net interest income | $2,350,000 | 6,293 |
| Provision for loan and lease losses | $80,000 | 5,644 |
| Total noninterest income | $76,000 | 9,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $58,000 | 8,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $888,000 | 8,726 |
| Salaries and employee benefits | $508,000 | 8,544 |
| Premises and equipment expense | $93,000 | 9,130 |
| Additional noninterest expense | $287,000 | 8,454 |
| Pre-tax net operating income | $1,458,000 | 4,594 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $520,000 | 4,096 |
| Income before extraordinary items | $938,000 | 4,916 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $938,000 | 4,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $280,000 | 4,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $938,000 | 4,848 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,510,000 | 6,390 |
| Total interest expense | $2,307,000 | 5,838 |
| Net interest income | $2,203,000 | 6,763 |
| Provision for loan and lease losses | $84,000 | 5,516 |
| Total noninterest income | $67,000 | 10,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 8,845 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $760,000 | 9,588 |
| Salaries and employee benefits | $428,000 | 9,402 |
| Premises and equipment expense | $76,000 | 9,922 |
| Additional noninterest expense | $256,000 | 9,326 |
| Pre-tax net operating income | $1,426,000 | 4,516 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $502,000 | 4,129 |
| Income before extraordinary items | $924,000 | 4,779 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $924,000 | 4,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 10,811 |
| Cash dividends | $169,000 | 5,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $924,000 | 4,728 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,245,000 | 6,751 |
| Total interest expense | $2,293,000 | 5,900 |
| Net interest income | $1,952,000 | 7,411 |
| Provision for loan and lease losses | $268,000 | 2,449 |
| Total noninterest income | $61,000 | 11,147 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 9,474 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 10,950 |
| Total noninterest expense | $744,000 | 10,014 |
| Salaries and employee benefits | $406,000 | 9,896 |
| Premises and equipment expense | $62,000 | 10,713 |
| Additional noninterest expense | $276,000 | 9,533 |
| Pre-tax net operating income | $1,001,000 | 6,002 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $344,000 | 5,517 |
| Income before extraordinary items | $657,000 | 6,258 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $657,000 | 6,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 2,315 |
| Cash dividends | $146,000 | 6,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $657,000 | 6,241 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,901,000 | 6,831 |
| Total interest expense | $1,897,000 | 5,840 |
| Net interest income | $2,004,000 | 7,564 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $58,000 | 11,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,191 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,244 |
| Total noninterest expense | $705,000 | 10,682 |
| Salaries and employee benefits | $382,000 | 10,451 |
| Premises and equipment expense | $37,000 | 12,064 |
| Additional noninterest expense | $286,000 | 10,119 |
| Pre-tax net operating income | $1,333,000 | 4,844 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $466,000 | 4,273 |
| Income before extraordinary items | $867,000 | 5,047 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $867,000 | 5,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $135,000 | 6,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $867,000 | 5,103 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,497,000 | 7,539 |
| Total interest expense | $1,623,000 | 6,818 |
| Net interest income | $1,874,000 | 8,029 |
| Provision for loan and lease losses | $24,000 | 8,778 |
| Total noninterest income | $51,000 | 12,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 10,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $655,000 | 11,363 |
| Salaries and employee benefits | $365,000 | 10,992 |
| Premises and equipment expense | $29,000 | 12,876 |
| Additional noninterest expense | $261,000 | 10,938 |
| Pre-tax net operating income | $1,246,000 | 5,047 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $449,000 | 4,600 |
| Income before extraordinary items | $797,000 | 5,590 |
| Extraordinary gains, net | $41,000 | 2,294 |
| Net income | $838,000 | 5,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $128,000 | 6,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $797,000 | 5,352 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,099,000 | 8,799 |
| Total interest expense | $1,566,000 | 8,313 |
| Net interest income | $1,533,000 | 9,170 |
| Provision for loan and lease losses | $24,000 | 10,335 |
| Total noninterest income | $54,000 | 13,011 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $625,000 | 11,915 |
| Salaries and employee benefits | $348,000 | 11,460 |
| Premises and equipment expense | $32,000 | 13,348 |
| Additional noninterest expense | $245,000 | 11,600 |
| Pre-tax net operating income | $938,000 | 5,910 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $577,000 | 6,726 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $577,000 | 6,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $108,000 | 6,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $575,720 | 6,391 |
* 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.