Home > Northstar Bank of Texas > Income and Expense
Northstar Bank of Texas, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,685,000 | 2,297 |
| Total interest expense | $1,348,000 | 2,439 |
| Net interest income | $7,337,000 | 2,231 |
| Provision for loan and lease losses | $300,000 | 2,961 |
| Total noninterest income | $3,181,000 | 1,291 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $431,000 | 2,253 |
| Trading account gains and fees | $83,000 | 114 |
| Additional Noninterest Income | $2,667,000 | 1,031 |
| Total noninterest expense | $7,414,000 | 1,930 |
| Salaries and employee benefits | $4,197,000 | 1,795 |
| Premises and equipment expense | $835,000 | 2,094 |
| Additional noninterest expense | $2,382,000 | 2,050 |
| Pre-tax net operating income | $2,804,000 | 1,784 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $928,000 | 1,301 |
| Income before extraordinary items | $1,876,000 | 2,233 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,876,000 | 2,233 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,876,000 | 2,233 |
| Net charge-offs | $231,000 | 3,134 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 424 |
| Net operating income | $1,876,000 | 2,104 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $18,933,000 | 711 |
| Total interest expense | $3,365,000 | 690 |
| Net interest income | $15,568,000 | 700 |
| Provision for loan and lease losses | $1,197,000 | 961 |
| Total noninterest income | $4,885,000 | 690 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $860,000 | 807 |
| Trading account gains and fees | $161,000 | 91 |
| Additional Noninterest Income | $3,864,000 | 571 |
| Total noninterest expense | $14,424,000 | 700 |
| Salaries and employee benefits | $8,014,000 | 644 |
| Premises and equipment expense | $1,556,000 | 770 |
| Additional noninterest expense | $4,854,000 | 718 |
| Pre-tax net operating income | $4,832,000 | 767 |
| Securities gains (losses) | $61,000 | 1,912 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $4,893,000 | 641 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,893,000 | 641 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,893,000 | 641 |
| Net charge-offs | $1,244,000 | 975 |
| Cash dividends | $3,082,000 | 368 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 325 |
| Net operating income | $4,832,000 | 626 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $9,738,000 | 692 |
| Total interest expense | $1,823,000 | 657 |
| Net interest income | $7,915,000 | 685 |
| Provision for loan and lease losses | $599,000 | 950 |
| Total noninterest income | $2,417,000 | 681 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $432,000 | 804 |
| Trading account gains and fees | $87,000 | 95 |
| Additional Noninterest Income | $1,898,000 | 574 |
| Total noninterest expense | $7,297,000 | 690 |
| Salaries and employee benefits | $3,948,000 | 662 |
| Premises and equipment expense | $774,000 | 778 |
| Additional noninterest expense | $2,575,000 | 663 |
| Pre-tax net operating income | $2,436,000 | 758 |
| Securities gains (losses) | $40,000 | 1,329 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $2,476,000 | 628 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,476,000 | 629 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,476,000 | 629 |
| Net charge-offs | $965,000 | 686 |
| Cash dividends | $1,532,000 | 336 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 200 |
| Net operating income | $2,436,000 | 621 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $40,425,000 | 689 |
| Total interest expense | $8,595,000 | 672 |
| Net interest income | $31,830,000 | 677 |
| Provision for loan and lease losses | $3,082,000 | 1,176 |
| Total noninterest income | $7,140,000 | 792 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,898,000 | 766 |
| Trading account gains and fees | $397,000 | 86 |
| Additional Noninterest Income | $4,845,000 | 721 |
| Total noninterest expense | $25,564,000 | 774 |
| Salaries and employee benefits | $13,756,000 | 714 |
| Premises and equipment expense | $3,113,000 | 798 |
| Additional noninterest expense | $8,695,000 | 825 |
| Pre-tax net operating income | $10,324,000 | 604 |
| Securities gains (losses) | $62,000 | 2,423 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $10,386,000 | 517 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,386,000 | 517 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $10,386,000 | 518 |
| Net charge-offs | $2,433,000 | 1,385 |
| Cash dividends | $4,050,000 | 517 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,088 |
| Net operating income | $10,324,000 | 509 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $30,707,000 | 697 |
| Total interest expense | $6,615,000 | 686 |
| Net interest income | $24,092,000 | 678 |
| Provision for loan and lease losses | $2,290,000 | 1,132 |
| Total noninterest income | $5,114,000 | 826 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,463,000 | 751 |
| Trading account gains and fees | $274,000 | 92 |
| Additional Noninterest Income | $3,377,000 | 764 |
| Total noninterest expense | $19,134,000 | 779 |
| Salaries and employee benefits | $10,222,000 | 724 |
| Premises and equipment expense | $2,324,000 | 815 |
| Additional noninterest expense | $6,588,000 | 814 |
| Pre-tax net operating income | $7,782,000 | 629 |
| Securities gains (losses) | $25,000 | 2,713 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $7,807,000 | 531 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,807,000 | 530 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $7,807,000 | 531 |
| Net charge-offs | $2,154,000 | 1,166 |
| Cash dividends | $3,922,000 | 365 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $7,782,000 | 519 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $20,502,000 | 709 |
| Total interest expense | $4,559,000 | 695 |
| Net interest income | $15,943,000 | 691 |
| Provision for loan and lease losses | $1,498,000 | 1,132 |
| Total noninterest income | $3,158,000 | 880 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $986,000 | 744 |
| Trading account gains and fees | $162,000 | 93 |
| Additional Noninterest Income | $2,010,000 | 834 |
| Total noninterest expense | $12,713,000 | 792 |
| Salaries and employee benefits | $6,730,000 | 736 |
| Premises and equipment expense | $1,540,000 | 829 |
| Additional noninterest expense | $4,443,000 | 812 |
| Pre-tax net operating income | $4,890,000 | 651 |
| Securities gains (losses) | $6,000 | 2,492 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $4,896,000 | 544 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $4,896,000 | 542 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $4,896,000 | 544 |
| Net charge-offs | $1,860,000 | 974 |
| Cash dividends | $2,941,000 | 319 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $4,890,000 | 536 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $10,277,000 | 711 |
| Total interest expense | $2,287,000 | 725 |
| Net interest income | $7,990,000 | 685 |
| Provision for loan and lease losses | $484,000 | 1,453 |
| Total noninterest income | $1,488,000 | 920 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $496,000 | 725 |
| Trading account gains and fees | $58,000 | 108 |
| Additional Noninterest Income | $934,000 | 868 |
| Total noninterest expense | $6,282,000 | 797 |
| Salaries and employee benefits | $3,323,000 | 749 |
| Premises and equipment expense | $747,000 | 883 |
| Additional noninterest expense | $2,212,000 | 807 |
| Pre-tax net operating income | $2,712,000 | 602 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $2,712,000 | 498 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,712,000 | 497 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,712,000 | 498 |
| Net charge-offs | $7,000 | 4,526 |
| Cash dividends | $1,142,000 | 338 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $2,712,000 | 483 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $41,963,000 | 721 |
| Total interest expense | $9,846,000 | 836 |
| Net interest income | $32,117,000 | 664 |
| Provision for loan and lease losses | $5,246,000 | 1,105 |
| Total noninterest income | $5,695,000 | 971 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,294,000 | 651 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,401,000 | 971 |
| Total noninterest expense | $24,456,000 | 820 |
| Salaries and employee benefits | $12,650,000 | 771 |
| Premises and equipment expense | $2,869,000 | 900 |
| Additional noninterest expense | $8,937,000 | 830 |
| Pre-tax net operating income | $8,110,000 | 661 |
| Securities gains (losses) | $48,000 | 2,688 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $8,158,000 | 557 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,158,000 | 554 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $8,158,000 | 557 |
| Net charge-offs | $3,106,000 | 1,444 |
| Cash dividends | $3,236,000 | 514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $8,110,000 | 542 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $31,300,000 | 728 |
| Total interest expense | $7,490,000 | 858 |
| Net interest income | $23,810,000 | 671 |
| Provision for loan and lease losses | $4,226,000 | 996 |
| Total noninterest income | $3,931,000 | 1,016 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,750,000 | 651 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,181,000 | 1,046 |
| Total noninterest expense | $17,726,000 | 838 |
| Salaries and employee benefits | $9,352,000 | 776 |
| Premises and equipment expense | $2,225,000 | 868 |
| Additional noninterest expense | $6,149,000 | 875 |
| Pre-tax net operating income | $5,789,000 | 723 |
| Securities gains (losses) | $34,000 | 2,661 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $5,823,000 | 592 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $5,823,000 | 591 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $5,823,000 | 592 |
| Net charge-offs | $2,291,000 | 1,378 |
| Cash dividends | $3,110,000 | 351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $5,789,000 | 570 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $20,895,000 | 735 |
| Total interest expense | $5,091,000 | 874 |
| Net interest income | $15,804,000 | 680 |
| Provision for loan and lease losses | $2,910,000 | 963 |
| Total noninterest income | $2,123,000 | 1,188 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,211,000 | 632 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $912,000 | 1,380 |
| Total noninterest expense | $11,433,000 | 869 |
| Salaries and employee benefits | $6,125,000 | 793 |
| Premises and equipment expense | $1,465,000 | 896 |
| Additional noninterest expense | $3,843,000 | 922 |
| Pre-tax net operating income | $3,584,000 | 765 |
| Securities gains (losses) | $15,000 | 2,470 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $3,599,000 | 625 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,599,000 | 625 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $3,599,000 | 626 |
| Net charge-offs | $1,252,000 | 1,520 |
| Cash dividends | $2,051,000 | 341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $3,584,000 | 604 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $9,800,000 | 801 |
| Total interest expense | $2,616,000 | 895 |
| Net interest income | $7,184,000 | 771 |
| Provision for loan and lease losses | $1,044,000 | 1,142 |
| Total noninterest income | $808,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $651,000 | 590 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $157,000 | 2,758 |
| Total noninterest expense | $5,622,000 | 885 |
| Salaries and employee benefits | $2,974,000 | 829 |
| Premises and equipment expense | $736,000 | 924 |
| Additional noninterest expense | $1,912,000 | 930 |
| Pre-tax net operating income | $1,326,000 | 1,002 |
| Securities gains (losses) | $11,000 | 1,699 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $1,337,000 | 818 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,337,000 | 822 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,337,000 | 822 |
| Net charge-offs | $778,000 | 1,234 |
| Cash dividends | $726,000 | 465 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,326,000 | 794 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $40,284,000 | 832 |
| Total interest expense | $12,565,000 | 942 |
| Net interest income | $27,719,000 | 771 |
| Provision for loan and lease losses | $3,199,000 | 1,896 |
| Total noninterest income | $5,146,000 | 1,071 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,568,000 | 653 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,578,000 | 1,146 |
| Total noninterest expense | $22,234,000 | 943 |
| Salaries and employee benefits | $11,393,000 | 862 |
| Premises and equipment expense | $2,930,000 | 925 |
| Additional noninterest expense | $7,911,000 | 992 |
| Pre-tax net operating income | $7,432,000 | 573 |
| Securities gains (losses) | $54,000 | 2,574 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $7,486,000 | 432 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,486,000 | 432 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $7,486,000 | 434 |
| Net charge-offs | $1,001,000 | 2,860 |
| Cash dividends | $3,435,000 | 508 |
| Sale, conversion, retirement of capital stock, net | $10,710,000 | 87 |
| Net operating income | $7,432,000 | 436 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $30,310,000 | 844 |
| Total interest expense | $9,689,000 | 965 |
| Net interest income | $20,621,000 | 779 |
| Provision for loan and lease losses | $2,063,000 | 1,865 |
| Total noninterest income | $3,980,000 | 1,053 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,923,000 | 652 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,057,000 | 1,123 |
| Total noninterest expense | $16,684,000 | 940 |
| Salaries and employee benefits | $8,519,000 | 876 |
| Premises and equipment expense | $2,189,000 | 938 |
| Additional noninterest expense | $5,976,000 | 942 |
| Pre-tax net operating income | $5,854,000 | 583 |
| Securities gains (losses) | $41,000 | 2,416 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $5,895,000 | 446 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $5,895,000 | 445 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $5,895,000 | 446 |
| Net charge-offs | $606,000 | 2,799 |
| Cash dividends | $3,435,000 | 362 |
| Sale, conversion, retirement of capital stock, net | $8,410,000 | 92 |
| Net operating income | $5,854,000 | 449 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $20,174,000 | 867 |
| Total interest expense | $6,538,000 | 1,016 |
| Net interest income | $13,636,000 | 793 |
| Provision for loan and lease losses | $1,277,000 | 1,785 |
| Total noninterest income | $2,682,000 | 1,051 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,271,000 | 656 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,411,000 | 1,147 |
| Total noninterest expense | $11,281,000 | 951 |
| Salaries and employee benefits | $5,746,000 | 885 |
| Premises and equipment expense | $1,482,000 | 949 |
| Additional noninterest expense | $4,053,000 | 944 |
| Pre-tax net operating income | $3,760,000 | 604 |
| Securities gains (losses) | $37,000 | 2,068 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $3,797,000 | 465 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,797,000 | 463 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $3,797,000 | 465 |
| Net charge-offs | $393,000 | 2,630 |
| Cash dividends | $2,905,000 | 311 |
| Sale, conversion, retirement of capital stock, net | $3,512,000 | 146 |
| Net operating income | $3,760,000 | 447 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $10,134,000 | 872 |
| Total interest expense | $3,207,000 | 1,080 |
| Net interest income | $6,927,000 | 768 |
| Provision for loan and lease losses | $601,000 | 1,586 |
| Total noninterest income | $1,336,000 | 1,017 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $637,000 | 635 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $699,000 | 1,117 |
| Total noninterest expense | $5,423,000 | 943 |
| Salaries and employee benefits | $2,892,000 | 881 |
| Premises and equipment expense | $766,000 | 930 |
| Additional noninterest expense | $1,765,000 | 950 |
| Pre-tax net operating income | $2,239,000 | 531 |
| Securities gains (losses) | $37,000 | 1,424 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $2,276,000 | 430 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,276,000 | 431 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $2,276,000 | 432 |
| Net charge-offs | $-184,000 | 8,218 |
| Cash dividends | $1,052,000 | 412 |
| Sale, conversion, retirement of capital stock, net | $234,000 | 259 |
| Net operating income | $2,239,000 | 404 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $39,270,000 | 950 |
| Total interest expense | $14,582,000 | 1,114 |
| Net interest income | $24,688,000 | 869 |
| Provision for loan and lease losses | $1,824,000 | 1,915 |
| Total noninterest income | $5,517,000 | 970 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,786,000 | 623 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,731,000 | 1,044 |
| Total noninterest expense | $20,158,000 | 987 |
| Salaries and employee benefits | $10,568,000 | 947 |
| Premises and equipment expense | $3,004,000 | 917 |
| Additional noninterest expense | $6,586,000 | 968 |
| Pre-tax net operating income | $8,223,000 | 674 |
| Securities gains (losses) | $3,000 | 2,883 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $8,226,000 | 476 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $8,226,000 | 476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $954,000 | 2,008 |
| Cash dividends | $2,739,000 | 1,004 |
| Sale, conversion, retirement of capital stock, net | $700,000 | 477 |
| Net operating income | $8,223,000 | 498 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $29,222,000 | 987 |
| Total interest expense | $11,227,000 | 1,127 |
| Net interest income | $17,995,000 | 908 |
| Provision for loan and lease losses | $1,271,000 | 1,585 |
| Total noninterest income | $4,222,000 | 1,000 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,081,000 | 631 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,141,000 | 1,054 |
| Total noninterest expense | $14,951,000 | 995 |
| Salaries and employee benefits | $7,853,000 | 980 |
| Premises and equipment expense | $2,196,000 | 945 |
| Additional noninterest expense | $4,902,000 | 932 |
| Pre-tax net operating income | $5,995,000 | 850 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $5,996,000 | 607 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $5,996,000 | 606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $765,000 | 1,533 |
| Cash dividends | $2,393,000 | 880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $5,995,000 | 642 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,614,000 | 996 |
| Total interest expense | $7,707,000 | 1,135 |
| Net interest income | $11,907,000 | 909 |
| Provision for loan and lease losses | $867,000 | 1,345 |
| Total noninterest income | $2,718,000 | 1,038 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,335,000 | 646 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,383,000 | 1,115 |
| Total noninterest expense | $9,793,000 | 1,004 |
| Salaries and employee benefits | $5,164,000 | 1,007 |
| Premises and equipment expense | $1,426,000 | 970 |
| Additional noninterest expense | $3,203,000 | 928 |
| Pre-tax net operating income | $3,965,000 | 887 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $3,966,000 | 694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,966,000 | 693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $706,000 | 1,061 |
| Cash dividends | $1,479,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,965,000 | 675 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,673,000 | 1,040 |
| Total interest expense | $4,037,000 | 1,153 |
| Net interest income | $5,636,000 | 949 |
| Provision for loan and lease losses | $354,000 | 1,243 |
| Total noninterest income | $1,339,000 | 1,050 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $644,000 | 657 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $695,000 | 1,126 |
| Total noninterest expense | $4,894,000 | 995 |
| Salaries and employee benefits | $2,617,000 | 1,004 |
| Premises and equipment expense | $700,000 | 991 |
| Additional noninterest expense | $1,577,000 | 910 |
| Pre-tax net operating income | $1,727,000 | 1,108 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $1,727,000 | 867 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,727,000 | 869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 912 |
| Cash dividends | $224,000 | 2,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,727,000 | 828 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $37,064,000 | 1,145 |
| Total interest expense | $15,392,000 | 1,296 |
| Net interest income | $21,672,000 | 1,023 |
| Provision for loan and lease losses | $1,306,000 | 1,175 |
| Total noninterest income | $5,479,000 | 1,024 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,489,000 | 713 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,990,000 | 1,023 |
| Total noninterest expense | $18,831,000 | 993 |
| Salaries and employee benefits | $10,086,000 | 987 |
| Premises and equipment expense | $2,435,000 | 1,091 |
| Additional noninterest expense | $6,310,000 | 894 |
| Pre-tax net operating income | $7,014,000 | 1,214 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $7,013,000 | 929 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,013,000 | 927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,859 |
| Cash dividends | $4,102,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $6,128,000 | 248 |
| Net operating income | $7,014,000 | 912 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $27,021,000 | 1,174 |
| Total interest expense | $11,181,000 | 1,343 |
| Net interest income | $15,840,000 | 1,050 |
| Provision for loan and lease losses | $955,000 | 934 |
| Total noninterest income | $4,168,000 | 1,011 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,813,000 | 719 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,355,000 | 979 |
| Total noninterest expense | $14,137,000 | 981 |
| Salaries and employee benefits | $7,593,000 | 984 |
| Premises and equipment expense | $1,808,000 | 1,093 |
| Additional noninterest expense | $4,736,000 | 868 |
| Pre-tax net operating income | $4,916,000 | 1,374 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $4,916,000 | 1,070 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,916,000 | 1,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 1,757 |
| Cash dividends | $2,937,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $2,950,000 | 236 |
| Net operating income | $4,916,000 | 1,050 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $17,548,000 | 1,215 |
| Total interest expense | $7,146,000 | 1,406 |
| Net interest income | $10,402,000 | 1,087 |
| Provision for loan and lease losses | $604,000 | 866 |
| Total noninterest income | $2,710,000 | 1,051 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,172,000 | 758 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,538,000 | 1,027 |
| Total noninterest expense | $9,509,000 | 992 |
| Salaries and employee benefits | $5,081,000 | 994 |
| Premises and equipment expense | $1,224,000 | 1,090 |
| Additional noninterest expense | $3,204,000 | 877 |
| Pre-tax net operating income | $2,999,000 | 1,547 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,999,000 | 1,195 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,999,000 | 1,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,719 |
| Cash dividends | $2,010,000 | 865 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 187 |
| Net operating income | $2,999,000 | 1,176 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,412,000 | 1,260 |
| Total interest expense | $3,351,000 | 1,479 |
| Net interest income | $5,061,000 | 1,099 |
| Provision for loan and lease losses | $287,000 | 862 |
| Total noninterest income | $1,264,000 | 1,088 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $568,000 | 740 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $696,000 | 1,080 |
| Total noninterest expense | $4,818,000 | 973 |
| Salaries and employee benefits | $2,498,000 | 1,017 |
| Premises and equipment expense | $647,000 | 1,025 |
| Additional noninterest expense | $1,673,000 | 820 |
| Pre-tax net operating income | $1,220,000 | 1,839 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,220,000 | 1,428 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,220,000 | 1,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,267 |
| Cash dividends | $847,000 | 941 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 97 |
| Net operating income | $1,220,000 | 1,414 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $27,243,000 | 1,465 |
| Total interest expense | $9,511,000 | 1,765 |
| Net interest income | $17,732,000 | 1,280 |
| Provision for loan and lease losses | $1,538,000 | 696 |
| Total noninterest income | $4,629,000 | 1,167 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,065,000 | 853 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,564,000 | 1,114 |
| Total noninterest expense | $16,510,000 | 1,091 |
| Salaries and employee benefits | $8,873,000 | 1,090 |
| Premises and equipment expense | $2,379,000 | 1,062 |
| Additional noninterest expense | $5,258,000 | 1,014 |
| Pre-tax net operating income | $4,313,000 | 2,127 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $4,313,000 | 1,670 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,313,000 | 1,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,306 |
| Cash dividends | $2,283,000 | 1,382 |
| Sale, conversion, retirement of capital stock, net | $6,585,000 | 271 |
| Net operating income | $4,313,000 | 1,658 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,061,000 | 1,562 |
| Total interest expense | $6,529,000 | 1,853 |
| Net interest income | $12,532,000 | 1,377 |
| Provision for loan and lease losses | $856,000 | 890 |
| Total noninterest income | $3,294,000 | 1,221 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,453,000 | 917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,841,000 | 1,170 |
| Total noninterest expense | $12,195,000 | 1,119 |
| Salaries and employee benefits | $6,509,000 | 1,133 |
| Premises and equipment expense | $1,752,000 | 1,090 |
| Additional noninterest expense | $3,934,000 | 1,029 |
| Pre-tax net operating income | $2,775,000 | 2,458 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,775,000 | 1,966 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,775,000 | 1,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,960 |
| Cash dividends | $2,098,000 | 1,113 |
| Sale, conversion, retirement of capital stock, net | $4,043,000 | 254 |
| Net operating income | $2,775,000 | 1,950 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,846,000 | 1,639 |
| Total interest expense | $3,971,000 | 1,920 |
| Net interest income | $7,875,000 | 1,462 |
| Provision for loan and lease losses | $452,000 | 1,055 |
| Total noninterest income | $2,025,000 | 1,296 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $856,000 | 1,031 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,169,000 | 1,212 |
| Total noninterest expense | $7,825,000 | 1,165 |
| Salaries and employee benefits | $4,184,000 | 1,183 |
| Premises and equipment expense | $1,105,000 | 1,163 |
| Additional noninterest expense | $2,536,000 | 1,074 |
| Pre-tax net operating income | $1,623,000 | 2,715 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,623,000 | 2,191 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,623,000 | 2,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $1,448,000 | 1,076 |
| Sale, conversion, retirement of capital stock, net | $3,384,000 | 181 |
| Net operating income | $1,623,000 | 2,180 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,452,000 | 1,753 |
| Total interest expense | $1,770,000 | 2,016 |
| Net interest income | $3,682,000 | 1,550 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $967,000 | 1,310 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $437,000 | 974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $530,000 | 1,289 |
| Total noninterest expense | $3,729,000 | 1,222 |
| Salaries and employee benefits | $1,963,000 | 1,264 |
| Premises and equipment expense | $518,000 | 1,253 |
| Additional noninterest expense | $1,248,000 | 1,071 |
| Pre-tax net operating income | $770,000 | 2,787 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $770,000 | 2,272 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $770,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,748 |
| Cash dividends | $1,048,000 | 718 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $770,000 | 2,248 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,263,000 | 1,846 |
| Total interest expense | $4,875,000 | 2,249 |
| Net interest income | $13,388,000 | 1,635 |
| Provision for loan and lease losses | $1,375,000 | 778 |
| Total noninterest income | $4,352,000 | 1,199 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,465,000 | 1,219 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,887,000 | 1,041 |
| Total noninterest expense | $13,232,000 | 1,307 |
| Salaries and employee benefits | $7,151,000 | 1,297 |
| Premises and equipment expense | $1,630,000 | 1,499 |
| Additional noninterest expense | $4,451,000 | 1,144 |
| Pre-tax net operating income | $3,133,000 | 2,660 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $3,132,000 | 2,162 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,132,000 | 2,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,692 |
| Cash dividends | $1,585,000 | 1,762 |
| Sale, conversion, retirement of capital stock, net | $4,520,000 | 318 |
| Net operating income | $3,133,000 | 2,142 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,061,000 | 1,882 |
| Total interest expense | $3,376,000 | 2,302 |
| Net interest income | $9,685,000 | 1,674 |
| Provision for loan and lease losses | $1,125,000 | 679 |
| Total noninterest income | $3,328,000 | 1,194 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,074,000 | 1,224 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,254,000 | 1,019 |
| Total noninterest expense | $9,799,000 | 1,310 |
| Salaries and employee benefits | $5,272,000 | 1,315 |
| Premises and equipment expense | $1,211,000 | 1,503 |
| Additional noninterest expense | $3,316,000 | 1,137 |
| Pre-tax net operating income | $2,089,000 | 2,952 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $2,089,000 | 2,404 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,089,000 | 2,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 1,400 |
| Cash dividends | $1,430,000 | 1,400 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,089,000 | 2,375 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,338,000 | 1,908 |
| Total interest expense | $2,059,000 | 2,374 |
| Net interest income | $6,279,000 | 1,706 |
| Provision for loan and lease losses | $810,000 | 624 |
| Total noninterest income | $2,245,000 | 1,166 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $668,000 | 1,282 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,577,000 | 963 |
| Total noninterest expense | $6,375,000 | 1,333 |
| Salaries and employee benefits | $3,394,000 | 1,347 |
| Premises and equipment expense | $809,000 | 1,488 |
| Additional noninterest expense | $2,172,000 | 1,150 |
| Pre-tax net operating income | $1,339,000 | 3,004 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,339,000 | 2,416 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,339,000 | 2,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,110 |
| Cash dividends | $1,130,000 | 1,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,339,000 | 2,386 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 1,960 |
| Total interest expense | $952,000 | 2,429 |
| Net interest income | $3,020,000 | 1,771 |
| Provision for loan and lease losses | $405,000 | 582 |
| Total noninterest income | $1,138,000 | 1,133 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $296,000 | 1,388 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $842,000 | 908 |
| Total noninterest expense | $3,041,000 | 1,389 |
| Salaries and employee benefits | $1,600,000 | 1,443 |
| Premises and equipment expense | $408,000 | 1,480 |
| Additional noninterest expense | $1,033,000 | 1,199 |
| Pre-tax net operating income | $712,000 | 2,817 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $712,000 | 2,296 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $712,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 669 |
| Cash dividends | $750,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $712,000 | 2,257 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,712,000 | 1,933 |
| Total interest expense | $3,069,000 | 2,582 |
| Net interest income | $11,643,000 | 1,738 |
| Provision for loan and lease losses | $1,755,000 | 617 |
| Total noninterest income | $2,935,000 | 1,634 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,259,000 | 1,403 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,676,000 | 1,503 |
| Total noninterest expense | $10,062,000 | 1,610 |
| Salaries and employee benefits | $5,239,000 | 1,685 |
| Premises and equipment expense | $1,206,000 | 1,904 |
| Additional noninterest expense | $3,617,000 | 1,377 |
| Pre-tax net operating income | $2,761,000 | 2,760 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $421,000 | 3,636 |
| Income before extraordinary items | $2,340,000 | 2,558 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,340,000 | 2,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,780,000 | 502 |
| Cash dividends | $710,000 | 2,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,340,000 | 2,504 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,893,000 | 1,936 |
| Total interest expense | $2,233,000 | 2,605 |
| Net interest income | $8,660,000 | 1,740 |
| Provision for loan and lease losses | $1,230,000 | 634 |
| Total noninterest income | $2,187,000 | 1,648 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $966,000 | 1,386 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,221,000 | 1,543 |
| Total noninterest expense | $7,124,000 | 1,694 |
| Salaries and employee benefits | $3,686,000 | 1,779 |
| Premises and equipment expense | $832,000 | 2,077 |
| Additional noninterest expense | $2,606,000 | 1,416 |
| Pre-tax net operating income | $2,493,000 | 2,396 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $421,000 | 3,214 |
| Income before extraordinary items | $2,072,000 | 2,252 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,072,000 | 2,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,670,000 | 396 |
| Cash dividends | $710,000 | 2,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,072,000 | 2,193 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,241,000 | 1,933 |
| Total interest expense | $1,475,000 | 2,613 |
| Net interest income | $5,766,000 | 1,729 |
| Provision for loan and lease losses | $705,000 | 722 |
| Total noninterest income | $1,414,000 | 1,688 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $649,000 | 1,368 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $765,000 | 1,598 |
| Total noninterest expense | $4,692,000 | 1,720 |
| Salaries and employee benefits | $2,505,000 | 1,750 |
| Premises and equipment expense | $533,000 | 2,142 |
| Additional noninterest expense | $1,654,000 | 1,463 |
| Pre-tax net operating income | $1,783,000 | 2,249 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $423,000 | 2,463 |
| Income before extraordinary items | $1,360,000 | 2,254 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,360,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,408,000 | 329 |
| Cash dividends | $710,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,360,000 | 2,191 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,606,000 | 1,942 |
| Total interest expense | $749,000 | 2,613 |
| Net interest income | $2,857,000 | 1,744 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $612,000 | 1,853 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $342,000 | 1,253 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $270,000 | 2,016 |
| Total noninterest expense | $2,332,000 | 1,739 |
| Salaries and employee benefits | $1,243,000 | 1,779 |
| Premises and equipment expense | $261,000 | 2,200 |
| Additional noninterest expense | $828,000 | 1,454 |
| Pre-tax net operating income | $957,000 | 2,091 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $423,000 | 1,488 |
| Income before extraordinary items | $534,000 | 2,781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $534,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 638 |
| Cash dividends | $610,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $534,000 | 2,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,630,000 | 2,087 |
| Total interest expense | $3,399,000 | 2,563 |
| Net interest income | $10,231,000 | 1,903 |
| Provision for loan and lease losses | $720,000 | 1,588 |
| Total noninterest income | $2,835,000 | 1,770 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,483,000 | 1,169 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,352,000 | 1,961 |
| Total noninterest expense | $8,610,000 | 1,845 |
| Salaries and employee benefits | $4,696,000 | 1,833 |
| Premises and equipment expense | $984,000 | 2,285 |
| Additional noninterest expense | $2,930,000 | 1,664 |
| Pre-tax net operating income | $3,736,000 | 2,083 |
| Securities gains (losses) | $15,000 | 3,390 |
| Applicable income taxes | $1,204,000 | 1,930 |
| Income before extraordinary items | $2,547,000 | 2,334 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,547,000 | 2,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 3,045 |
| Cash dividends | $168,000 | 5,119 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 489 |
| Net operating income | $2,536,800 | 2,238 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,058,000 | 2,151 |
| Total interest expense | $2,589,000 | 2,613 |
| Net interest income | $7,469,000 | 1,971 |
| Provision for loan and lease losses | $540,000 | 1,554 |
| Total noninterest income | $2,194,000 | 1,766 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,115,000 | 1,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,079,000 | 1,943 |
| Total noninterest expense | $6,333,000 | 1,876 |
| Salaries and employee benefits | $3,495,000 | 1,853 |
| Premises and equipment expense | $709,000 | 2,377 |
| Additional noninterest expense | $2,129,000 | 1,701 |
| Pre-tax net operating income | $2,790,000 | 2,172 |
| Securities gains (losses) | $15,000 | 3,125 |
| Applicable income taxes | $898,000 | 2,026 |
| Income before extraordinary items | $1,907,000 | 2,432 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,907,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,488 |
| Cash dividends | $168,000 | 4,257 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 365 |
| Net operating income | $1,896,800 | 2,324 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,588,000 | 2,217 |
| Total interest expense | $1,719,000 | 2,689 |
| Net interest income | $4,869,000 | 2,008 |
| Provision for loan and lease losses | $360,000 | 1,536 |
| Total noninterest income | $1,404,000 | 1,816 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $732,000 | 1,167 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $672,000 | 2,032 |
| Total noninterest expense | $4,182,000 | 1,892 |
| Salaries and employee benefits | $2,285,000 | 1,876 |
| Premises and equipment expense | $452,000 | 2,466 |
| Additional noninterest expense | $1,445,000 | 1,667 |
| Pre-tax net operating income | $1,731,000 | 2,319 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $555,000 | 2,164 |
| Income before extraordinary items | $1,191,000 | 2,598 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,191,000 | 2,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,076 |
| Cash dividends | $65,000 | 4,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,180,800 | 2,469 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,212,000 | 2,299 |
| Total interest expense | $838,000 | 2,820 |
| Net interest income | $2,374,000 | 2,062 |
| Provision for loan and lease losses | $180,000 | 1,475 |
| Total noninterest income | $665,000 | 1,854 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $344,000 | 1,211 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $321,000 | 2,012 |
| Total noninterest expense | $2,073,000 | 1,894 |
| Salaries and employee benefits | $1,115,000 | 1,908 |
| Premises and equipment expense | $227,000 | 2,452 |
| Additional noninterest expense | $731,000 | 1,615 |
| Pre-tax net operating income | $786,000 | 2,513 |
| Securities gains (losses) | $15,000 | 2,029 |
| Applicable income taxes | $253,000 | 2,307 |
| Income before extraordinary items | $548,000 | 2,749 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $548,000 | 2,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,727 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $537,800 | 2,653 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,727,000 | 2,610 |
| Total interest expense | $3,758,000 | 2,893 |
| Net interest income | $7,969,000 | 2,409 |
| Provision for loan and lease losses | $910,000 | 1,461 |
| Total noninterest income | $2,117,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,114,000 | 1,452 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,003,000 | 2,176 |
| Total noninterest expense | $7,228,000 | 2,075 |
| Salaries and employee benefits | $3,926,000 | 2,035 |
| Premises and equipment expense | $860,000 | 2,509 |
| Additional noninterest expense | $2,442,000 | 1,892 |
| Pre-tax net operating income | $1,948,000 | 3,494 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $652,000 | 2,979 |
| Income before extraordinary items | $1,303,000 | 3,880 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,303,000 | 3,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $339,000 | 2,180 |
| Cash dividends | $305,000 | 4,271 |
| Sale, conversion, retirement of capital stock, net | $6,500,000 | 111 |
| Net operating income | $1,298,310 | 3,783 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,905,000 | 3,338 |
| Total interest expense | $4,113,000 | 3,712 |
| Net interest income | $5,792,000 | 3,037 |
| Provision for loan and lease losses | $415,000 | 2,548 |
| Total noninterest income | $1,045,000 | 3,241 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $905,000 | 1,672 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $140,000 | 5,673 |
| Total noninterest expense | $5,249,000 | 2,699 |
| Salaries and employee benefits | $2,639,000 | 2,823 |
| Premises and equipment expense | $702,000 | 2,937 |
| Additional noninterest expense | $1,908,000 | 2,340 |
| Pre-tax net operating income | $1,173,000 | 4,474 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $406,000 | 3,705 |
| Income before extraordinary items | $769,000 | 4,974 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $769,000 | 4,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,161 |
| Cash dividends | $245,000 | 4,715 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 304 |
| Net operating income | $767,700 | 4,868 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,848,000 | 4,198 |
| Total interest expense | $2,839,000 | 5,129 |
| Net interest income | $5,009,000 | 3,459 |
| Provision for loan and lease losses | $410,000 | 2,238 |
| Total noninterest income | $667,000 | 4,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $566,000 | 2,415 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $4,040,000 | 3,307 |
| Salaries and employee benefits | $1,963,000 | 3,517 |
| Premises and equipment expense | $531,000 | 3,615 |
| Additional noninterest expense | $1,546,000 | 2,733 |
| Pre-tax net operating income | $1,226,000 | 4,663 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $415,000 | 3,912 |
| Income before extraordinary items | $811,000 | 5,005 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $811,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,647 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $811,000 | 5,000 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,261,000 | 6,141 |
| Total interest expense | $1,207,000 | 7,627 |
| Net interest income | $3,054,000 | 5,101 |
| Provision for loan and lease losses | $311,000 | 2,573 |
| Total noninterest income | $488,000 | 5,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,207 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 6,986 |
| Total noninterest expense | $2,837,000 | 4,417 |
| Salaries and employee benefits | $1,430,000 | 4,517 |
| Premises and equipment expense | $377,000 | 4,719 |
| Additional noninterest expense | $1,030,000 | 3,922 |
| Pre-tax net operating income | $394,000 | 7,625 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $122,000 | 6,621 |
| Income before extraordinary items | $272,000 | 7,774 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $272,000 | 7,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,465 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $272,000 | 7,752 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,753,000 | 7,814 |
| Total interest expense | $760,000 | 9,045 |
| Net interest income | $1,993,000 | 6,681 |
| Provision for loan and lease losses | $70,000 | 5,864 |
| Total noninterest income | $436,000 | 5,343 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $348,000 | 3,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 6,932 |
| Total noninterest expense | $1,873,000 | 5,835 |
| Salaries and employee benefits | $873,000 | 6,338 |
| Premises and equipment expense | $344,000 | 4,936 |
| Additional noninterest expense | $656,000 | 5,412 |
| Pre-tax net operating income | $486,000 | 7,447 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $146,000 | 6,899 |
| Income before extraordinary items | $340,000 | 7,594 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $340,000 | 7,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,165 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $340,000 | 7,510 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,369,000 | 8,554 |
| Total interest expense | $655,000 | 9,675 |
| Net interest income | $1,714,000 | 7,521 |
| Provision for loan and lease losses | $126,000 | 4,509 |
| Total noninterest income | $450,000 | 5,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,136 |
| Total noninterest expense | $1,513,000 | 6,753 |
| Salaries and employee benefits | $720,000 | 7,207 |
| Premises and equipment expense | $258,000 | 5,947 |
| Additional noninterest expense | $535,000 | 6,231 |
| Pre-tax net operating income | $525,000 | 7,789 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $177,000 | 7,222 |
| Income before extraordinary items | $348,000 | 8,011 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $348,000 | 8,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,192 |
| Cash dividends | $160,000 | 5,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $348,000 | 7,958 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,158,000 | 9,158 |
| Total interest expense | $572,000 | 10,368 |
| Net interest income | $1,586,000 | 8,064 |
| Provision for loan and lease losses | $181,000 | 3,625 |
| Total noninterest income | $457,000 | 5,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $353,000 | 3,724 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 6,999 |
| Total noninterest expense | $1,283,000 | 7,711 |
| Salaries and employee benefits | $612,000 | 8,050 |
| Premises and equipment expense | $155,000 | 7,939 |
| Additional noninterest expense | $516,000 | 6,931 |
| Pre-tax net operating income | $579,000 | 7,532 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $194,000 | 7,228 |
| Income before extraordinary items | $385,000 | 7,756 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $385,000 | 7,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,153 |
| Cash dividends | $123,000 | 6,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $385,000 | 7,695 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,928,000 | 9,838 |
| Total interest expense | $504,000 | 11,001 |
| Net interest income | $1,424,000 | 8,730 |
| Provision for loan and lease losses | $26,000 | 7,298 |
| Total noninterest income | $413,000 | 5,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,758 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 8,656 |
| Total noninterest expense | $1,204,000 | 8,193 |
| Salaries and employee benefits | $587,000 | 8,444 |
| Premises and equipment expense | $137,000 | 8,597 |
| Additional noninterest expense | $480,000 | 7,424 |
| Pre-tax net operating income | $607,000 | 7,836 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $207,000 | 7,304 |
| Income before extraordinary items | $400,000 | 8,083 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $400,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,354 |
| Cash dividends | $291,000 | 4,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $400,000 | 8,045 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,671,000 | 10,406 |
| Total interest expense | $438,000 | 11,398 |
| Net interest income | $1,233,000 | 9,667 |
| Provision for loan and lease losses | $94,000 | 4,709 |
| Total noninterest income | $406,000 | 6,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $349,000 | 3,851 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,251 |
| Total noninterest expense | $1,211,000 | 8,565 |
| Salaries and employee benefits | $507,000 | 9,328 |
| Premises and equipment expense | $135,000 | 8,947 |
| Additional noninterest expense | $569,000 | 7,264 |
| Pre-tax net operating income | $334,000 | 9,869 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $107,000 | 9,194 |
| Income before extraordinary items | $227,000 | 9,953 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $227,000 | 9,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,982 |
| Cash dividends | $181,000 | 5,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $227,000 | 10,019 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,528,000 | 11,178 |
| Total interest expense | $414,000 | 12,159 |
| Net interest income | $1,114,000 | 10,352 |
| Provision for loan and lease losses | $13,000 | 9,510 |
| Total noninterest income | $423,000 | 6,240 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,731 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,699 |
| Total noninterest expense | $1,090,000 | 9,360 |
| Salaries and employee benefits | $547,000 | 9,250 |
| Premises and equipment expense | $157,000 | 8,726 |
| Additional noninterest expense | $386,000 | 9,420 |
| Pre-tax net operating income | $434,000 | 9,148 |
| Securities gains (losses) | $38,000 | 3,799 |
| Applicable income taxes | $158,000 | 8,455 |
| Income before extraordinary items | $314,000 | 9,317 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $314,000 | 9,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $288,540 | 9,346 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 11,819 |
| Total interest expense | $544,000 | 12,552 |
| Net interest income | $1,017,000 | 11,039 |
| Provision for loan and lease losses | $14,000 | 10,934 |
| Total noninterest income | $447,000 | 6,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $382,000 | 3,634 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 9,539 |
| Total noninterest expense | $1,031,000 | 9,845 |
| Salaries and employee benefits | $538,000 | 9,389 |
| Premises and equipment expense | $156,000 | 8,945 |
| Additional noninterest expense | $337,000 | 10,353 |
| Pre-tax net operating income | $419,000 | 9,066 |
| Securities gains (losses) | $39,000 | 4,543 |
| Applicable income taxes | $145,000 | 8,747 |
| Income before extraordinary items | $313,000 | 9,125 |
| Extraordinary gains, net | $-13,000 | 13,485 |
| Net income | $300,000 | 9,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 7,548 |
| Cash dividends | $298,000 | 4,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $286,480 | 9,093 |
* 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.