Home > Northland National Bank > Income and Expense
Northland National Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,487,000 | 6,487 |
| Total interest expense | $368,000 | 5,680 |
| Net interest income | $1,119,000 | 6,594 |
| Provision for loan and lease losses | $334,000 | 3,242 |
| Total noninterest income | $66,000 | 6,544 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $103,000 | 5,388 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-37,000 | 6,659 |
| Total noninterest expense | $1,800,000 | 5,827 |
| Salaries and employee benefits | $889,000 | 5,920 |
| Premises and equipment expense | $132,000 | 6,280 |
| Additional noninterest expense | $779,000 | 5,319 |
| Pre-tax net operating income | $-949,000 | 6,652 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-949,000 | 6,708 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-949,000 | 6,703 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-949,000 | 6,704 |
| Net charge-offs | $799,000 | 2,058 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-949,000 | 6,666 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,139,000 | 6,570 |
| Total interest expense | $299,000 | 5,682 |
| Net interest income | $840,000 | 6,697 |
| Provision for loan and lease losses | $199,000 | 3,544 |
| Total noninterest income | $37,000 | 6,755 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $87,000 | 5,277 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-50,000 | 6,846 |
| Total noninterest expense | $1,327,000 | 5,901 |
| Salaries and employee benefits | $714,000 | 5,825 |
| Premises and equipment expense | $95,000 | 6,382 |
| Additional noninterest expense | $518,000 | 5,612 |
| Pre-tax net operating income | $-649,000 | 6,739 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-649,000 | 6,808 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-649,000 | 6,805 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-649,000 | 6,806 |
| Net charge-offs | $607,000 | 1,966 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-649,000 | 6,767 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $773,000 | 6,604 |
| Total interest expense | $218,000 | 5,603 |
| Net interest income | $555,000 | 6,758 |
| Provision for loan and lease losses | $153,000 | 3,314 |
| Total noninterest income | $80,000 | 6,022 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $61,000 | 5,210 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $19,000 | 6,184 |
| Total noninterest expense | $932,000 | 5,862 |
| Salaries and employee benefits | $522,000 | 5,704 |
| Premises and equipment expense | $63,000 | 6,438 |
| Additional noninterest expense | $347,000 | 5,649 |
| Pre-tax net operating income | $-450,000 | 6,791 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-450,000 | 6,852 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-450,000 | 6,853 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-450,000 | 6,853 |
| Net charge-offs | $484,000 | 1,812 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-450,000 | 6,813 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $394,000 | 6,644 |
| Total interest expense | $119,000 | 5,548 |
| Net interest income | $275,000 | 6,819 |
| Provision for loan and lease losses | $17,000 | 4,567 |
| Total noninterest income | $46,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $33,000 | 5,070 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $13,000 | 6,065 |
| Total noninterest expense | $483,000 | 5,839 |
| Salaries and employee benefits | $301,000 | 5,491 |
| Premises and equipment expense | $31,000 | 6,472 |
| Additional noninterest expense | $151,000 | 5,918 |
| Pre-tax net operating income | $-179,000 | 6,830 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-179,000 | 6,889 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-179,000 | 6,890 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-179,000 | 6,890 |
| Net charge-offs | $276,000 | 1,561 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-179,000 | 6,851 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,782,000 | 6,589 |
| Total interest expense | $785,000 | 4,961 |
| Net interest income | $997,000 | 6,943 |
| Provision for loan and lease losses | $-95,000 | 7,258 |
| Total noninterest income | $160,000 | 5,987 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $140,000 | 5,013 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $20,000 | 6,376 |
| Total noninterest expense | $2,500,000 | 5,333 |
| Salaries and employee benefits | $1,123,000 | 5,655 |
| Premises and equipment expense | $142,000 | 6,480 |
| Additional noninterest expense | $1,235,000 | 4,373 |
| Pre-tax net operating income | $-1,248,000 | 6,646 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-1,248,000 | 6,712 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,248,000 | 6,712 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,248,000 | 6,712 |
| Net charge-offs | $-19,000 | 7,087 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 652 |
| Net operating income | $-1,248,000 | 6,672 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,354,000 | 6,640 |
| Total interest expense | $631,000 | 4,916 |
| Net interest income | $723,000 | 7,033 |
| Provision for loan and lease losses | $-95,000 | 7,344 |
| Total noninterest income | $120,000 | 6,096 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $107,000 | 5,008 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $13,000 | 6,554 |
| Total noninterest expense | $1,723,000 | 5,553 |
| Salaries and employee benefits | $849,000 | 5,651 |
| Premises and equipment expense | $109,000 | 6,503 |
| Additional noninterest expense | $765,000 | 4,882 |
| Pre-tax net operating income | $-785,000 | 6,723 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-785,000 | 6,794 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-785,000 | 6,795 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-785,000 | 6,794 |
| Net charge-offs | $-6,000 | 6,915 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 544 |
| Net operating income | $-785,000 | 6,758 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $903,000 | 6,695 |
| Total interest expense | $441,000 | 4,925 |
| Net interest income | $462,000 | 7,118 |
| Provision for loan and lease losses | $-95,000 | 7,423 |
| Total noninterest income | $89,000 | 5,999 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $74,000 | 4,935 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $15,000 | 6,410 |
| Total noninterest expense | $1,241,000 | 5,437 |
| Salaries and employee benefits | $579,000 | 5,649 |
| Premises and equipment expense | $75,000 | 6,508 |
| Additional noninterest expense | $587,000 | 4,587 |
| Pre-tax net operating income | $-595,000 | 6,830 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-24,000 | 6,947 |
| Income before extraordinary items | $-571,000 | 6,873 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-571,000 | 6,872 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-571,000 | 6,873 |
| Net charge-offs | $-26,000 | 7,201 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 401 |
| Net operating income | $-571,000 | 6,863 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $450,000 | 6,752 |
| Total interest expense | $232,000 | 4,925 |
| Net interest income | $218,000 | 7,203 |
| Provision for loan and lease losses | $45,000 | 4,252 |
| Total noninterest income | $42,000 | 6,140 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $34,000 | 5,022 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $8,000 | 6,501 |
| Total noninterest expense | $603,000 | 5,541 |
| Salaries and employee benefits | $296,000 | 5,636 |
| Premises and equipment expense | $40,000 | 6,475 |
| Additional noninterest expense | $267,000 | 4,829 |
| Pre-tax net operating income | $-388,000 | 7,019 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-388,000 | 7,063 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-388,000 | 7,064 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-388,000 | 7,064 |
| Net charge-offs | $-4,000 | 6,688 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 613 |
| Net operating income | $-388,000 | 7,052 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,127,000 | 6,641 |
| Total interest expense | $1,400,000 | 4,437 |
| Net interest income | $727,000 | 7,369 |
| Provision for loan and lease losses | $565,000 | 3,959 |
| Total noninterest income | $215,000 | 5,854 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $144,000 | 4,976 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $71,000 | 5,801 |
| Total noninterest expense | $2,679,000 | 5,331 |
| Salaries and employee benefits | $1,185,000 | 5,707 |
| Premises and equipment expense | $155,000 | 6,585 |
| Additional noninterest expense | $1,339,000 | 4,323 |
| Pre-tax net operating income | $-2,302,000 | 6,823 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-2,302,000 | 6,904 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,302,000 | 6,904 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,302,000 | 6,905 |
| Net charge-offs | $916,000 | 2,812 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $336,000 | 527 |
| Net operating income | $-2,302,000 | 6,880 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 6,726 |
| Total interest expense | $1,112,000 | 4,435 |
| Net interest income | $499,000 | 7,522 |
| Provision for loan and lease losses | $505,000 | 3,512 |
| Total noninterest income | $182,000 | 5,820 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $110,000 | 5,031 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $72,000 | 5,617 |
| Total noninterest expense | $2,126,000 | 5,195 |
| Salaries and employee benefits | $911,000 | 5,675 |
| Premises and equipment expense | $113,000 | 6,701 |
| Additional noninterest expense | $1,102,000 | 4,034 |
| Pre-tax net operating income | $-1,950,000 | 7,050 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-1,950,000 | 7,128 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,950,000 | 7,126 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,950,000 | 7,128 |
| Net charge-offs | $924,000 | 2,286 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $266,000 | 458 |
| Net operating income | $-1,950,000 | 7,099 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,063,000 | 6,797 |
| Total interest expense | $739,000 | 4,539 |
| Net interest income | $324,000 | 7,595 |
| Provision for loan and lease losses | $360,000 | 3,339 |
| Total noninterest income | $64,000 | 6,615 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $74,000 | 5,022 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-10,000 | 7,345 |
| Total noninterest expense | $1,517,000 | 5,038 |
| Salaries and employee benefits | $581,000 | 5,817 |
| Premises and equipment expense | $75,000 | 6,744 |
| Additional noninterest expense | $861,000 | 3,607 |
| Pre-tax net operating income | $-1,489,000 | 7,161 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,489,000 | 7,239 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,489,000 | 7,238 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,489,000 | 7,239 |
| Net charge-offs | $450,000 | 2,561 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,489,000 | 7,228 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $521,000 | 6,909 |
| Total interest expense | $383,000 | 4,593 |
| Net interest income | $138,000 | 7,747 |
| Provision for loan and lease losses | $180,000 | 3,129 |
| Total noninterest income | $24,000 | 6,949 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $34,000 | 5,147 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-10,000 | 7,567 |
| Total noninterest expense | $601,000 | 5,732 |
| Salaries and employee benefits | $298,000 | 5,837 |
| Premises and equipment expense | $39,000 | 6,780 |
| Additional noninterest expense | $264,000 | 4,959 |
| Pre-tax net operating income | $-619,000 | 7,247 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-619,000 | 7,326 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-619,000 | 7,326 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-619,000 | 7,327 |
| Net charge-offs | $260,000 | 2,184 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-619,000 | 7,307 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,801,000 | 6,467 |
| Total interest expense | $2,127,000 | 4,280 |
| Net interest income | $674,000 | 7,725 |
| Provision for loan and lease losses | $2,354,000 | 2,266 |
| Total noninterest income | $-210,000 | 7,823 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $159,000 | 5,057 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-369,000 | 7,763 |
| Total noninterest expense | $3,671,000 | 4,579 |
| Salaries and employee benefits | $1,303,000 | 5,603 |
| Premises and equipment expense | $156,000 | 6,878 |
| Additional noninterest expense | $2,212,000 | 3,060 |
| Pre-tax net operating income | $-5,561,000 | 7,227 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-1,113,000 | 7,317 |
| Income before extraordinary items | $-4,448,000 | 7,209 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,448,000 | 7,208 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,448,000 | 7,208 |
| Net charge-offs | $2,439,000 | 1,820 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $3,750,000 | 231 |
| Net operating income | $-4,448,000 | 7,214 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,156,000 | 6,490 |
| Total interest expense | $1,706,000 | 4,249 |
| Net interest income | $450,000 | 7,851 |
| Provision for loan and lease losses | $2,234,000 | 1,775 |
| Total noninterest income | $-242,000 | 7,967 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $114,000 | 5,168 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-356,000 | 7,927 |
| Total noninterest expense | $3,024,000 | 4,331 |
| Salaries and employee benefits | $999,000 | 5,583 |
| Premises and equipment expense | $114,000 | 6,964 |
| Additional noninterest expense | $1,911,000 | 2,658 |
| Pre-tax net operating income | $-5,050,000 | 7,512 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-43,000 | 6,794 |
| Income before extraordinary items | $-5,007,000 | 7,575 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,007,000 | 7,575 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,007,000 | 7,575 |
| Net charge-offs | $2,522,000 | 1,317 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $3,750,000 | 188 |
| Net operating income | $-5,007,000 | 7,587 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,535,000 | 6,429 |
| Total interest expense | $1,198,000 | 4,249 |
| Net interest income | $337,000 | 7,875 |
| Provision for loan and lease losses | $1,747,000 | 1,532 |
| Total noninterest income | $29,000 | 7,532 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $71,000 | 5,271 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-42,000 | 7,897 |
| Total noninterest expense | $1,778,000 | 4,729 |
| Salaries and employee benefits | $666,000 | 5,652 |
| Premises and equipment expense | $80,000 | 6,940 |
| Additional noninterest expense | $1,032,000 | 3,220 |
| Pre-tax net operating income | $-3,159,000 | 7,584 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-43,000 | 6,982 |
| Income before extraordinary items | $-3,116,000 | 7,643 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,116,000 | 7,642 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,116,000 | 7,642 |
| Net charge-offs | $1,440,000 | 1,371 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $2,200,000 | 200 |
| Net operating income | $-3,116,000 | 7,654 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $806,000 | 6,372 |
| Total interest expense | $626,000 | 4,251 |
| Net interest income | $180,000 | 7,862 |
| Provision for loan and lease losses | $486,000 | 1,800 |
| Total noninterest income | $-11,000 | 8,105 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $36,000 | 5,210 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-47,000 | 8,081 |
| Total noninterest expense | $710,000 | 5,348 |
| Salaries and employee benefits | $314,000 | 5,860 |
| Premises and equipment expense | $40,000 | 6,984 |
| Additional noninterest expense | $356,000 | 3,909 |
| Pre-tax net operating income | $-1,027,000 | 7,640 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-64,000 | 7,465 |
| Income before extraordinary items | $-963,000 | 7,691 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-963,000 | 7,692 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-963,000 | 7,692 |
| Net charge-offs | $468,000 | 1,406 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $400,000 | 218 |
| Net operating income | $-963,000 | 7,687 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,603,000 | 5,679 |
| Total interest expense | $3,045,000 | 4,216 |
| Net interest income | $1,558,000 | 6,931 |
| Provision for loan and lease losses | $1,912,000 | 1,855 |
| Total noninterest income | $-348,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $196,000 | 4,828 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-544,000 | 8,227 |
| Total noninterest expense | $2,337,000 | 5,819 |
| Salaries and employee benefits | $1,027,000 | 6,347 |
| Premises and equipment expense | $146,000 | 7,181 |
| Additional noninterest expense | $1,164,000 | 4,384 |
| Pre-tax net operating income | $-3,039,000 | 7,597 |
| Securities gains (losses) | $229,000 | 660 |
| Applicable income taxes | $-737,000 | 7,615 |
| Income before extraordinary items | $-2,073,000 | 7,407 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,073,000 | 7,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,040,000 | 1,912 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,242,460 | 7,540 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,588,000 | 5,657 |
| Total interest expense | $2,342,000 | 4,264 |
| Net interest income | $1,246,000 | 6,863 |
| Provision for loan and lease losses | $1,736,000 | 1,303 |
| Total noninterest income | $216,000 | 5,965 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $155,000 | 4,761 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $61,000 | 6,335 |
| Total noninterest expense | $2,245,000 | 5,109 |
| Salaries and employee benefits | $727,000 | 6,511 |
| Premises and equipment expense | $106,000 | 7,277 |
| Additional noninterest expense | $1,412,000 | 2,938 |
| Pre-tax net operating income | $-2,519,000 | 7,945 |
| Securities gains (losses) | $229,000 | 564 |
| Applicable income taxes | $-737,000 | 7,975 |
| Income before extraordinary items | $-1,553,000 | 7,721 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,553,000 | 7,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $895,000 | 1,394 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,708,720 | 7,865 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,485,000 | 5,623 |
| Total interest expense | $1,606,000 | 4,315 |
| Net interest income | $879,000 | 6,762 |
| Provision for loan and lease losses | $1,355,000 | 1,014 |
| Total noninterest income | $141,000 | 6,086 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $104,000 | 4,763 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $37,000 | 6,530 |
| Total noninterest expense | $1,065,000 | 6,098 |
| Salaries and employee benefits | $454,000 | 6,712 |
| Premises and equipment expense | $67,000 | 7,393 |
| Additional noninterest expense | $544,000 | 4,475 |
| Pre-tax net operating income | $-1,400,000 | 8,056 |
| Securities gains (losses) | $229,000 | 560 |
| Applicable income taxes | $-423,000 | 8,147 |
| Income before extraordinary items | $-748,000 | 7,866 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-748,000 | 7,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $605,000 | 1,165 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-894,560 | 7,942 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,252,000 | 5,708 |
| Total interest expense | $811,000 | 4,474 |
| Net interest income | $441,000 | 6,808 |
| Provision for loan and lease losses | $505,000 | 988 |
| Total noninterest income | $70,000 | 6,116 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $49,000 | 4,843 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $21,000 | 6,395 |
| Total noninterest expense | $488,000 | 6,359 |
| Salaries and employee benefits | $229,000 | 6,714 |
| Premises and equipment expense | $33,000 | 7,431 |
| Additional noninterest expense | $226,000 | 4,993 |
| Pre-tax net operating income | $-482,000 | 8,074 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-482,000 | 8,138 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-482,000 | 8,137 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,453 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-482,000 | 8,121 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,773,000 | 5,349 |
| Total interest expense | $3,078,000 | 4,726 |
| Net interest income | $2,695,000 | 5,772 |
| Provision for loan and lease losses | $564,000 | 2,152 |
| Total noninterest income | $273,000 | 6,215 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $220,000 | 4,714 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $53,000 | 7,043 |
| Total noninterest expense | $1,713,000 | 6,598 |
| Salaries and employee benefits | $838,000 | 6,864 |
| Premises and equipment expense | $136,000 | 7,384 |
| Additional noninterest expense | $739,000 | 5,585 |
| Pre-tax net operating income | $691,000 | 5,471 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $183,000 | 3,942 |
| Income before extraordinary items | $508,000 | 5,652 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $508,000 | 5,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $767,000 | 1,243 |
| Cash dividends | $101,000 | 5,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $508,000 | 5,638 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,363,000 | 5,342 |
| Total interest expense | $2,274,000 | 4,771 |
| Net interest income | $2,089,000 | 5,717 |
| Provision for loan and lease losses | $485,000 | 1,611 |
| Total noninterest income | $208,000 | 6,222 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $166,000 | 4,719 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $42,000 | 6,996 |
| Total noninterest expense | $1,272,000 | 6,617 |
| Salaries and employee benefits | $635,000 | 6,819 |
| Premises and equipment expense | $100,000 | 7,395 |
| Additional noninterest expense | $537,000 | 5,621 |
| Pre-tax net operating income | $540,000 | 5,644 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $147,000 | 4,063 |
| Income before extraordinary items | $393,000 | 5,865 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $393,000 | 5,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $531,000 | 1,030 |
| Cash dividends | $101,000 | 4,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $393,000 | 5,845 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,959,000 | 5,312 |
| Total interest expense | $1,491,000 | 4,817 |
| Net interest income | $1,468,000 | 5,622 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $129,000 | 6,407 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $109,000 | 4,763 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $20,000 | 7,375 |
| Total noninterest expense | $874,000 | 6,594 |
| Salaries and employee benefits | $425,000 | 6,869 |
| Premises and equipment expense | $57,000 | 7,634 |
| Additional noninterest expense | $392,000 | 5,360 |
| Pre-tax net operating income | $633,000 | 4,530 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $202,000 | 3,255 |
| Income before extraordinary items | $431,000 | 4,896 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $431,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $218,000 | 1,261 |
| Cash dividends | $101,000 | 4,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $431,000 | 4,896 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,425,000 | 5,420 |
| Total interest expense | $725,000 | 4,879 |
| Net interest income | $700,000 | 5,757 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $64,000 | 6,402 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $53,000 | 4,757 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $387,000 | 6,906 |
| Salaries and employee benefits | $212,000 | 6,900 |
| Premises and equipment expense | $29,000 | 7,638 |
| Additional noninterest expense | $146,000 | 6,188 |
| Pre-tax net operating income | $332,000 | 4,421 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $109,000 | 3,157 |
| Income before extraordinary items | $223,000 | 4,817 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $223,000 | 4,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 941 |
| Cash dividends | $101,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $223,000 | 4,788 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,924,000 | 5,063 |
| Total interest expense | $2,395,000 | 4,933 |
| Net interest income | $3,529,000 | 5,032 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $283,000 | 6,289 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $197,000 | 5,025 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 6,573 |
| Total noninterest expense | $1,390,000 | 7,074 |
| Salaries and employee benefits | $825,000 | 6,890 |
| Premises and equipment expense | $107,000 | 7,719 |
| Additional noninterest expense | $458,000 | 6,745 |
| Pre-tax net operating income | $2,242,000 | 3,392 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $794,000 | 2,489 |
| Income before extraordinary items | $1,448,000 | 3,848 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,448,000 | 3,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,075 |
| Cash dividends | $50,000 | 5,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,448,000 | 3,827 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,325,000 | 5,134 |
| Total interest expense | $1,696,000 | 5,010 |
| Net interest income | $2,629,000 | 5,085 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $271,000 | 5,835 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $142,000 | 5,156 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $129,000 | 5,401 |
| Total noninterest expense | $1,027,000 | 7,110 |
| Salaries and employee benefits | $610,000 | 6,898 |
| Premises and equipment expense | $81,000 | 7,742 |
| Additional noninterest expense | $336,000 | 6,827 |
| Pre-tax net operating income | $1,738,000 | 3,446 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $618,000 | 2,543 |
| Income before extraordinary items | $1,120,000 | 3,892 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,120,000 | 3,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,004 |
| Cash dividends | $50,000 | 5,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,120,000 | 3,881 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,790,000 | 5,199 |
| Total interest expense | $1,077,000 | 5,030 |
| Net interest income | $1,713,000 | 5,193 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $140,000 | 6,363 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $85,000 | 5,349 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $55,000 | 6,230 |
| Total noninterest expense | $685,000 | 7,144 |
| Salaries and employee benefits | $400,000 | 6,973 |
| Premises and equipment expense | $53,000 | 7,776 |
| Additional noninterest expense | $232,000 | 6,757 |
| Pre-tax net operating income | $1,078,000 | 3,623 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $381,000 | 2,696 |
| Income before extraordinary items | $697,000 | 4,084 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $697,000 | 4,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,324 |
| Cash dividends | $50,000 | 4,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $697,000 | 4,072 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 5,267 |
| Total interest expense | $519,000 | 5,004 |
| Net interest income | $822,000 | 5,315 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $67,000 | 6,418 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $29,000 | 6,131 |
| Total noninterest expense | $345,000 | 7,137 |
| Salaries and employee benefits | $199,000 | 7,004 |
| Premises and equipment expense | $28,000 | 7,712 |
| Additional noninterest expense | $118,000 | 6,671 |
| Pre-tax net operating income | $499,000 | 3,733 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $175,000 | 2,803 |
| Income before extraordinary items | $324,000 | 4,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $324,000 | 4,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,127 |
| Cash dividends | $50,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $324,000 | 4,207 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,607,000 | 5,414 |
| Total interest expense | $1,879,000 | 4,621 |
| Net interest income | $2,728,000 | 5,802 |
| Provision for loan and lease losses | $220,000 | 3,430 |
| Total noninterest income | $184,000 | 7,193 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $46,000 | 7,142 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $138,000 | 5,869 |
| Total noninterest expense | $1,335,000 | 7,167 |
| Salaries and employee benefits | $765,000 | 7,042 |
| Premises and equipment expense | $114,000 | 7,703 |
| Additional noninterest expense | $456,000 | 6,805 |
| Pre-tax net operating income | $1,357,000 | 4,629 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $487,000 | 3,406 |
| Income before extraordinary items | $870,000 | 5,158 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $870,000 | 5,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 2,585 |
| Cash dividends | $34,000 | 5,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $870,000 | 5,130 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,378,000 | 5,454 |
| Total interest expense | $1,385,000 | 4,542 |
| Net interest income | $1,993,000 | 5,897 |
| Provision for loan and lease losses | $160,000 | 3,373 |
| Total noninterest income | $134,000 | 7,264 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $35,000 | 7,182 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,963 |
| Total noninterest expense | $994,000 | 7,171 |
| Salaries and employee benefits | $576,000 | 7,016 |
| Premises and equipment expense | $84,000 | 7,738 |
| Additional noninterest expense | $334,000 | 6,846 |
| Pre-tax net operating income | $973,000 | 4,836 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $351,000 | 3,527 |
| Income before extraordinary items | $622,000 | 5,359 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $622,000 | 5,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,320 |
| Cash dividends | $34,000 | 5,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $622,000 | 5,332 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,194,000 | 5,465 |
| Total interest expense | $930,000 | 4,356 |
| Net interest income | $1,264,000 | 6,025 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $84,000 | 7,333 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $22,000 | 7,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $62,000 | 6,077 |
| Total noninterest expense | $654,000 | 7,213 |
| Salaries and employee benefits | $379,000 | 7,063 |
| Premises and equipment expense | $54,000 | 7,770 |
| Additional noninterest expense | $221,000 | 6,857 |
| Pre-tax net operating income | $594,000 | 5,030 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $212,000 | 3,689 |
| Income before extraordinary items | $382,000 | 5,556 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $382,000 | 5,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,103 |
| Cash dividends | $34,000 | 4,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $382,000 | 5,509 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,052,000 | 5,578 |
| Total interest expense | $454,000 | 4,310 |
| Net interest income | $598,000 | 6,235 |
| Provision for loan and lease losses | $40,000 | 3,596 |
| Total noninterest income | $39,000 | 7,451 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,283 |
| Total noninterest expense | $324,000 | 7,287 |
| Salaries and employee benefits | $186,000 | 7,170 |
| Premises and equipment expense | $27,000 | 7,847 |
| Additional noninterest expense | $111,000 | 6,877 |
| Pre-tax net operating income | $273,000 | 5,238 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $98,000 | 3,788 |
| Income before extraordinary items | $175,000 | 5,739 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $175,000 | 5,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 661 |
| Cash dividends | $34,000 | 3,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $175,000 | 5,703 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,817,000 | 5,697 |
| Total interest expense | $1,566,000 | 4,403 |
| Net interest income | $2,251,000 | 6,310 |
| Provision for loan and lease losses | $137,000 | 4,414 |
| Total noninterest income | $170,000 | 7,430 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $47,000 | 7,344 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $123,000 | 6,060 |
| Total noninterest expense | $1,265,000 | 7,330 |
| Salaries and employee benefits | $749,000 | 7,119 |
| Premises and equipment expense | $108,000 | 7,867 |
| Additional noninterest expense | $408,000 | 7,074 |
| Pre-tax net operating income | $1,019,000 | 5,193 |
| Securities gains (losses) | $83,000 | 1,372 |
| Applicable income taxes | $399,000 | 3,727 |
| Income before extraordinary items | $703,000 | 5,573 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $703,000 | 5,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,010 |
| Cash dividends | $34,000 | 5,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $649,880 | 5,707 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,812,000 | 5,747 |
| Total interest expense | $1,159,000 | 4,389 |
| Net interest income | $1,653,000 | 6,378 |
| Provision for loan and lease losses | $95,000 | 4,360 |
| Total noninterest income | $129,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $35,000 | 7,384 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 6,030 |
| Total noninterest expense | $941,000 | 7,311 |
| Salaries and employee benefits | $567,000 | 7,043 |
| Premises and equipment expense | $80,000 | 7,880 |
| Additional noninterest expense | $294,000 | 7,139 |
| Pre-tax net operating income | $746,000 | 5,366 |
| Securities gains (losses) | $83,000 | 1,307 |
| Applicable income taxes | $303,000 | 3,787 |
| Income before extraordinary items | $526,000 | 5,697 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $526,000 | 5,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,149 |
| Cash dividends | $34,000 | 5,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $472,880 | 5,880 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,848,000 | 5,807 |
| Total interest expense | $758,000 | 4,438 |
| Net interest income | $1,090,000 | 6,430 |
| Provision for loan and lease losses | $73,000 | 4,061 |
| Total noninterest income | $85,000 | 7,498 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $24,000 | 7,394 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $61,000 | 6,105 |
| Total noninterest expense | $620,000 | 7,390 |
| Salaries and employee benefits | $373,000 | 7,127 |
| Premises and equipment expense | $52,000 | 7,942 |
| Additional noninterest expense | $195,000 | 7,187 |
| Pre-tax net operating income | $482,000 | 5,399 |
| Securities gains (losses) | $79,000 | 1,174 |
| Applicable income taxes | $213,000 | 3,653 |
| Income before extraordinary items | $348,000 | 5,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $348,000 | 5,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $34,000 | 4,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $297,440 | 5,982 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $911,000 | 5,884 |
| Total interest expense | $370,000 | 4,547 |
| Net interest income | $541,000 | 6,472 |
| Provision for loan and lease losses | $53,000 | 3,225 |
| Total noninterest income | $42,000 | 7,514 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $12,000 | 7,382 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $30,000 | 6,109 |
| Total noninterest expense | $316,000 | 7,382 |
| Salaries and employee benefits | $184,000 | 7,202 |
| Premises and equipment expense | $27,000 | 7,911 |
| Additional noninterest expense | $105,000 | 7,018 |
| Pre-tax net operating income | $214,000 | 5,668 |
| Securities gains (losses) | $78,000 | 935 |
| Applicable income taxes | $113,000 | 3,576 |
| Income before extraordinary items | $179,000 | 5,607 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $179,000 | 5,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $34,000 | 3,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $129,080 | 6,239 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,736,000 | 5,867 |
| Total interest expense | $1,721,000 | 4,490 |
| Net interest income | $2,015,000 | 6,575 |
| Provision for loan and lease losses | $70,000 | 5,822 |
| Total noninterest income | $182,000 | 7,503 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $52,000 | 7,399 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $130,000 | 6,086 |
| Total noninterest expense | $1,221,000 | 7,434 |
| Salaries and employee benefits | $717,000 | 7,244 |
| Premises and equipment expense | $110,000 | 7,945 |
| Additional noninterest expense | $394,000 | 7,192 |
| Pre-tax net operating income | $906,000 | 5,404 |
| Securities gains (losses) | $90,000 | 1,978 |
| Applicable income taxes | $351,000 | 4,032 |
| Income before extraordinary items | $645,000 | 5,781 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $645,000 | 5,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,285 |
| Cash dividends | $35,000 | 6,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $586,500 | 5,826 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,825,000 | 5,902 |
| Total interest expense | $1,307,000 | 4,564 |
| Net interest income | $1,518,000 | 6,601 |
| Provision for loan and lease losses | $70,000 | 5,319 |
| Total noninterest income | $143,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $40,000 | 7,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $103,000 | 6,018 |
| Total noninterest expense | $908,000 | 7,445 |
| Salaries and employee benefits | $536,000 | 7,205 |
| Premises and equipment expense | $79,000 | 8,018 |
| Additional noninterest expense | $293,000 | 7,201 |
| Pre-tax net operating income | $683,000 | 5,571 |
| Securities gains (losses) | $90,000 | 1,840 |
| Applicable income taxes | $273,000 | 4,099 |
| Income before extraordinary items | $500,000 | 5,857 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $500,000 | 5,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,184 |
| Cash dividends | $35,000 | 5,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $441,500 | 5,976 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,875,000 | 5,945 |
| Total interest expense | $875,000 | 4,658 |
| Net interest income | $1,000,000 | 6,638 |
| Provision for loan and lease losses | $55,000 | 5,021 |
| Total noninterest income | $88,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $27,000 | 7,445 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $61,000 | 6,230 |
| Total noninterest expense | $608,000 | 7,452 |
| Salaries and employee benefits | $357,000 | 7,235 |
| Premises and equipment expense | $54,000 | 7,986 |
| Additional noninterest expense | $197,000 | 7,180 |
| Pre-tax net operating income | $425,000 | 5,713 |
| Securities gains (losses) | $90,000 | 1,588 |
| Applicable income taxes | $182,000 | 4,152 |
| Income before extraordinary items | $333,000 | 5,858 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $333,000 | 5,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $35,000 | 4,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $274,500 | 6,095 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $942,000 | 5,960 |
| Total interest expense | $441,000 | 4,729 |
| Net interest income | $501,000 | 6,646 |
| Provision for loan and lease losses | $27,000 | 4,866 |
| Total noninterest income | $43,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $14,000 | 7,374 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $303,000 | 7,495 |
| Salaries and employee benefits | $177,000 | 7,287 |
| Premises and equipment expense | $27,000 | 8,005 |
| Additional noninterest expense | $99,000 | 7,172 |
| Pre-tax net operating income | $214,000 | 5,682 |
| Securities gains (losses) | $54,000 | 1,343 |
| Applicable income taxes | $95,000 | 4,029 |
| Income before extraordinary items | $173,000 | 5,682 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $173,000 | 5,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $35,000 | 3,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $137,900 | 6,052 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,697,000 | 6,157 |
| Total interest expense | $1,887,000 | 5,005 |
| Net interest income | $1,810,000 | 6,941 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $198,000 | 7,330 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $58,000 | 7,387 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $140,000 | 5,749 |
| Total noninterest expense | $1,155,000 | 7,578 |
| Salaries and employee benefits | $700,000 | 7,268 |
| Premises and equipment expense | $108,000 | 8,064 |
| Additional noninterest expense | $347,000 | 7,490 |
| Pre-tax net operating income | $853,000 | 5,611 |
| Securities gains (losses) | $126,000 | 1,543 |
| Applicable income taxes | $342,000 | 4,209 |
| Income before extraordinary items | $637,000 | 5,809 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $637,000 | 5,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $34,000 | 6,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $555,100 | 6,009 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,082,000 | 6,287 |
| Total interest expense | $2,191,000 | 5,822 |
| Net interest income | $1,891,000 | 6,613 |
| Provision for loan and lease losses | $54,000 | 6,579 |
| Total noninterest income | $187,000 | 7,430 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $46,000 | 7,679 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $141,000 | 5,661 |
| Total noninterest expense | $1,096,000 | 7,695 |
| Salaries and employee benefits | $665,000 | 7,353 |
| Premises and equipment expense | $104,000 | 8,232 |
| Additional noninterest expense | $327,000 | 7,660 |
| Pre-tax net operating income | $928,000 | 5,097 |
| Securities gains (losses) | $102,000 | 1,730 |
| Applicable income taxes | $354,000 | 3,960 |
| Income before extraordinary items | $676,000 | 5,315 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $676,000 | 5,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,995 |
| Cash dividends | $34,000 | 6,308 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 899 |
| Net operating income | $608,680 | 5,458 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,694,000 | 6,737 |
| Total interest expense | $1,856,000 | 6,498 |
| Net interest income | $1,838,000 | 6,847 |
| Provision for loan and lease losses | $67,000 | 6,062 |
| Total noninterest income | $173,000 | 7,567 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $133,000 | 6,004 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,167 |
| Total noninterest expense | $1,024,000 | 7,949 |
| Salaries and employee benefits | $600,000 | 7,700 |
| Premises and equipment expense | $104,000 | 8,374 |
| Additional noninterest expense | $320,000 | 7,782 |
| Pre-tax net operating income | $920,000 | 5,476 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $327,000 | 4,401 |
| Income before extraordinary items | $593,000 | 5,878 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $593,000 | 5,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,922 |
| Cash dividends | $34,000 | 6,557 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $593,000 | 5,895 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,970,000 | 7,415 |
| Total interest expense | $1,407,000 | 7,176 |
| Net interest income | $1,563,000 | 7,467 |
| Provision for loan and lease losses | $4,000 | 8,376 |
| Total noninterest income | $178,000 | 7,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,013 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,510 |
| Total noninterest expense | $948,000 | 8,273 |
| Salaries and employee benefits | $559,000 | 7,982 |
| Premises and equipment expense | $108,000 | 8,478 |
| Additional noninterest expense | $281,000 | 8,288 |
| Pre-tax net operating income | $789,000 | 5,972 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $264,000 | 5,088 |
| Income before extraordinary items | $527,000 | 6,267 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $527,000 | 6,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $525,660 | 6,257 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,828,000 | 7,730 |
| Total interest expense | $1,346,000 | 7,550 |
| Net interest income | $1,482,000 | 7,730 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $157,000 | 8,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,606 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,384 |
| Total noninterest expense | $887,000 | 8,476 |
| Salaries and employee benefits | $526,000 | 8,193 |
| Premises and equipment expense | $96,000 | 8,805 |
| Additional noninterest expense | $265,000 | 8,450 |
| Pre-tax net operating income | $752,000 | 6,285 |
| Securities gains (losses) | $26,000 | 2,229 |
| Applicable income taxes | $267,000 | 5,480 |
| Income before extraordinary items | $511,000 | 6,548 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $511,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 10,009 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $493,840 | 6,530 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,547,000 | 8,321 |
| Total interest expense | $1,152,000 | 8,253 |
| Net interest income | $1,395,000 | 8,252 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $139,000 | 8,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 9,104 |
| Total noninterest expense | $849,000 | 8,854 |
| Salaries and employee benefits | $483,000 | 8,729 |
| Premises and equipment expense | $84,000 | 9,342 |
| Additional noninterest expense | $282,000 | 8,504 |
| Pre-tax net operating income | $685,000 | 7,033 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $240,000 | 6,358 |
| Income before extraordinary items | $450,000 | 7,310 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $450,000 | 7,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,735 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $446,750 | 7,285 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,232,000 | 9,051 |
| Total interest expense | $1,055,000 | 8,840 |
| Net interest income | $1,177,000 | 9,077 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $132,000 | 9,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $104,000 | 7,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 9,949 |
| Total noninterest expense | $779,000 | 9,517 |
| Salaries and employee benefits | $447,000 | 9,276 |
| Premises and equipment expense | $85,000 | 9,680 |
| Additional noninterest expense | $247,000 | 9,427 |
| Pre-tax net operating income | $530,000 | 7,773 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $93,000 | 8,863 |
| Income before extraordinary items | $437,000 | 7,334 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $437,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 11,137 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $437,000 | 7,279 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,010,000 | 9,705 |
| Total interest expense | $893,000 | 9,640 |
| Net interest income | $1,117,000 | 9,578 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $144,000 | 9,412 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,818 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 9,472 |
| Total noninterest expense | $885,000 | 9,408 |
| Salaries and employee benefits | $467,000 | 9,391 |
| Premises and equipment expense | $83,000 | 10,121 |
| Additional noninterest expense | $335,000 | 8,857 |
| Pre-tax net operating income | $376,000 | 9,224 |
| Securities gains (losses) | $-7,000 | 9,876 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $369,000 | 8,324 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $369,000 | 8,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $376,000 | 8,253 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,623,000 | 10,487 |
| Total interest expense | $677,000 | 10,221 |
| Net interest income | $946,000 | 10,572 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $162,000 | 9,470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,460 |
| Total noninterest expense | $879,000 | 9,868 |
| Salaries and employee benefits | $421,000 | 10,098 |
| Premises and equipment expense | $84,000 | 10,524 |
| Additional noninterest expense | $374,000 | 9,093 |
| Pre-tax net operating income | $205,000 | 10,854 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $205,000 | 10,214 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $205,000 | 10,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 11,981 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 493 |
| Net operating income | $205,000 | 10,263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,560,000 | 11,093 |
| Total interest expense | $786,000 | 10,118 |
| Net interest income | $774,000 | 11,604 |
| Provision for loan and lease losses | $320,000 | 2,859 |
| Total noninterest income | $211,000 | 9,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 8,461 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 7,477 |
| Total noninterest expense | $898,000 | 10,198 |
| Salaries and employee benefits | $380,000 | 10,838 |
| Premises and equipment expense | $83,000 | 11,040 |
| Additional noninterest expense | $435,000 | 8,874 |
| Pre-tax net operating income | $-233,000 | 12,722 |
| Securities gains (losses) | $-7,000 | 12,665 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-240,000 | 12,788 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-240,000 | 12,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $535,000 | 1,695 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-233,000 | 12,707 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,901,000 | 11,094 |
| Total interest expense | $1,058,000 | 10,148 |
| Net interest income | $843,000 | 11,737 |
| Provision for loan and lease losses | $400,000 | 3,453 |
| Total noninterest income | $217,000 | 9,097 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 8,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 7,800 |
| Total noninterest expense | $931,000 | 10,300 |
| Salaries and employee benefits | $392,000 | 10,964 |
| Premises and equipment expense | $83,000 | 11,388 |
| Additional noninterest expense | $456,000 | 8,908 |
| Pre-tax net operating income | $-271,000 | 13,152 |
| Securities gains (losses) | $89,000 | 3,202 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-182,000 | 13,158 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-182,000 | 13,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 3,605 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-271,000 | 13,118 |
* 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.