Home > Oceanic Bank > Income and Expense
Oceanic Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 3,719 |
| Total interest expense | $527,000 | 3,694 |
| Net interest income | $2,750,000 | 3,649 |
| Provision for loan and lease losses | $55,000 | 4,498 |
| Total noninterest income | $149,000 | 5,311 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $13,000 | 6,711 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $136,000 | 4,217 |
| Total noninterest expense | $1,760,000 | 4,422 |
| Salaries and employee benefits | $867,000 | 4,536 |
| Premises and equipment expense | $419,000 | 2,674 |
| Additional noninterest expense | $474,000 | 4,995 |
| Pre-tax net operating income | $1,084,000 | 2,697 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $412,000 | 1,687 |
| Income before extraordinary items | $672,000 | 3,416 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $672,000 | 3,417 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $672,000 | 3,417 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $672,000 | 3,234 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 3,668 |
| Total interest expense | $282,000 | 3,650 |
| Net interest income | $1,406,000 | 3,621 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $79,000 | 5,275 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $6,000 | 6,762 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $73,000 | 4,160 |
| Total noninterest expense | $912,000 | 4,336 |
| Salaries and employee benefits | $442,000 | 4,518 |
| Premises and equipment expense | $222,000 | 2,563 |
| Additional noninterest expense | $248,000 | 4,888 |
| Pre-tax net operating income | $543,000 | 2,717 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $203,000 | 1,706 |
| Income before extraordinary items | $340,000 | 3,406 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $340,000 | 3,409 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $340,000 | 3,409 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $340,000 | 3,238 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,099,000 | 3,641 |
| Total interest expense | $1,430,000 | 3,566 |
| Net interest income | $5,669,000 | 3,618 |
| Provision for loan and lease losses | $138,000 | 5,033 |
| Total noninterest income | $294,000 | 5,244 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $16,000 | 6,784 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $278,000 | 3,986 |
| Total noninterest expense | $3,745,000 | 4,301 |
| Salaries and employee benefits | $1,937,000 | 4,252 |
| Premises and equipment expense | $809,000 | 2,900 |
| Additional noninterest expense | $999,000 | 4,903 |
| Pre-tax net operating income | $2,080,000 | 2,432 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $782,000 | 1,581 |
| Income before extraordinary items | $1,298,000 | 3,063 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,298,000 | 3,065 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,298,000 | 3,065 |
| Net charge-offs | $252,000 | 4,008 |
| Cash dividends | $286,000 | 3,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,298,000 | 2,960 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,384,000 | 3,659 |
| Total interest expense | $1,105,000 | 3,600 |
| Net interest income | $4,279,000 | 3,609 |
| Provision for loan and lease losses | $108,000 | 4,868 |
| Total noninterest income | $222,000 | 5,305 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $13,000 | 6,817 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $209,000 | 4,037 |
| Total noninterest expense | $2,697,000 | 4,426 |
| Salaries and employee benefits | $1,378,000 | 4,389 |
| Premises and equipment expense | $611,000 | 2,893 |
| Additional noninterest expense | $708,000 | 5,058 |
| Pre-tax net operating income | $1,696,000 | 2,363 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $641,000 | 1,508 |
| Income before extraordinary items | $1,055,000 | 2,961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,055,000 | 2,963 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,055,000 | 2,963 |
| Net charge-offs | $152,000 | 3,999 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,055,000 | 2,863 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,608,000 | 3,675 |
| Total interest expense | $772,000 | 3,593 |
| Net interest income | $2,836,000 | 3,635 |
| Provision for loan and lease losses | $53,000 | 5,081 |
| Total noninterest income | $140,000 | 5,422 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $10,000 | 6,818 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 4,181 |
| Total noninterest expense | $1,808,000 | 4,446 |
| Salaries and employee benefits | $915,000 | 4,433 |
| Premises and equipment expense | $416,000 | 2,863 |
| Additional noninterest expense | $477,000 | 5,110 |
| Pre-tax net operating income | $1,115,000 | 2,362 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $418,000 | 1,482 |
| Income before extraordinary items | $697,000 | 2,927 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $697,000 | 2,929 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $697,000 | 2,929 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $697,000 | 2,855 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 3,634 |
| Total interest expense | $405,000 | 3,570 |
| Net interest income | $1,433,000 | 3,595 |
| Provision for loan and lease losses | $53,000 | 4,125 |
| Total noninterest income | $72,000 | 5,434 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $5,000 | 6,822 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $67,000 | 4,206 |
| Total noninterest expense | $890,000 | 4,511 |
| Salaries and employee benefits | $461,000 | 4,450 |
| Premises and equipment expense | $194,000 | 3,063 |
| Additional noninterest expense | $235,000 | 5,152 |
| Pre-tax net operating income | $562,000 | 2,350 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $209,000 | 1,461 |
| Income before extraordinary items | $353,000 | 2,910 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $353,000 | 2,909 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $353,000 | 2,910 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $353,000 | 2,859 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,943,000 | 3,575 |
| Total interest expense | $2,068,000 | 3,469 |
| Net interest income | $5,875,000 | 3,526 |
| Provision for loan and lease losses | $225,000 | 5,212 |
| Total noninterest income | $292,000 | 5,444 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $15,000 | 6,676 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $277,000 | 4,073 |
| Total noninterest expense | $3,697,000 | 4,436 |
| Salaries and employee benefits | $1,875,000 | 4,420 |
| Premises and equipment expense | $817,000 | 2,940 |
| Additional noninterest expense | $1,005,000 | 5,077 |
| Pre-tax net operating income | $2,245,000 | 2,044 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $863,000 | 1,364 |
| Income before extraordinary items | $1,382,000 | 2,636 |
| Extraordinary gains, net | $-616,000 | 7,653 |
| Net income | $766,000 | 3,686 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $766,000 | 3,688 |
| Net charge-offs | $0 | 6,851 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,382,000 | 2,542 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,990,000 | 3,630 |
| Total interest expense | $1,628,000 | 3,491 |
| Net interest income | $4,362,000 | 3,590 |
| Provision for loan and lease losses | $195,000 | 4,919 |
| Total noninterest income | $216,000 | 5,562 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $10,000 | 6,784 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $206,000 | 4,132 |
| Total noninterest expense | $2,568,000 | 4,668 |
| Salaries and employee benefits | $1,334,000 | 4,594 |
| Premises and equipment expense | $624,000 | 2,943 |
| Additional noninterest expense | $610,000 | 5,606 |
| Pre-tax net operating income | $1,815,000 | 2,052 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $702,000 | 1,334 |
| Income before extraordinary items | $1,113,000 | 2,697 |
| Extraordinary gains, net | $-483,000 | 7,757 |
| Net income | $630,000 | 3,694 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $630,000 | 3,695 |
| Net charge-offs | $0 | 6,672 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,113,000 | 2,568 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,026,000 | 3,632 |
| Total interest expense | $1,142,000 | 3,434 |
| Net interest income | $2,884,000 | 3,623 |
| Provision for loan and lease losses | $170,000 | 4,460 |
| Total noninterest income | $143,000 | 5,557 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $6,000 | 6,838 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $137,000 | 4,139 |
| Total noninterest expense | $1,711,000 | 4,689 |
| Salaries and employee benefits | $884,000 | 4,640 |
| Premises and equipment expense | $425,000 | 2,909 |
| Additional noninterest expense | $402,000 | 5,649 |
| Pre-tax net operating income | $1,146,000 | 2,127 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $381,000 | 1,486 |
| Income before extraordinary items | $765,000 | 2,585 |
| Extraordinary gains, net | $-483,000 | 7,827 |
| Net income | $282,000 | 4,419 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $282,000 | 4,419 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $765,000 | 2,478 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,015,000 | 3,692 |
| Total interest expense | $596,000 | 3,446 |
| Net interest income | $1,419,000 | 3,705 |
| Provision for loan and lease losses | $100,000 | 3,933 |
| Total noninterest income | $70,000 | 5,638 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $3,000 | 6,921 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $67,000 | 4,201 |
| Total noninterest expense | $820,000 | 4,841 |
| Salaries and employee benefits | $435,000 | 4,750 |
| Premises and equipment expense | $197,000 | 3,163 |
| Additional noninterest expense | $188,000 | 5,833 |
| Pre-tax net operating income | $569,000 | 2,185 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $164,000 | 1,638 |
| Income before extraordinary items | $405,000 | 2,531 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $405,000 | 2,529 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $405,000 | 2,531 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $405,000 | 2,438 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,511,000 | 3,662 |
| Total interest expense | $3,472,000 | 3,071 |
| Net interest income | $5,039,000 | 3,931 |
| Provision for loan and lease losses | $990,000 | 3,528 |
| Total noninterest income | $288,000 | 5,667 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $13,000 | 6,982 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $275,000 | 4,099 |
| Total noninterest expense | $3,570,000 | 4,654 |
| Salaries and employee benefits | $1,806,000 | 4,664 |
| Premises and equipment expense | $835,000 | 3,008 |
| Additional noninterest expense | $929,000 | 5,447 |
| Pre-tax net operating income | $767,000 | 3,410 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $223,000 | 2,287 |
| Income before extraordinary items | $544,000 | 3,743 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $544,000 | 3,740 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $544,000 | 3,741 |
| Net charge-offs | $530,000 | 3,710 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $544,000 | 3,668 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,322,000 | 3,726 |
| Total interest expense | $2,765,000 | 3,045 |
| Net interest income | $3,557,000 | 4,081 |
| Provision for loan and lease losses | $630,000 | 3,453 |
| Total noninterest income | $214,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $10,000 | 7,028 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $204,000 | 4,252 |
| Total noninterest expense | $2,551,000 | 4,820 |
| Salaries and employee benefits | $1,289,000 | 4,819 |
| Premises and equipment expense | $641,000 | 2,977 |
| Additional noninterest expense | $621,000 | 5,738 |
| Pre-tax net operating income | $590,000 | 3,626 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $195,000 | 2,346 |
| Income before extraordinary items | $395,000 | 4,069 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $395,000 | 4,065 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $395,000 | 4,068 |
| Net charge-offs | $530,000 | 2,957 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $395,000 | 3,978 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,207,000 | 3,770 |
| Total interest expense | $1,931,000 | 3,049 |
| Net interest income | $2,276,000 | 4,183 |
| Provision for loan and lease losses | $570,000 | 2,791 |
| Total noninterest income | $139,000 | 5,856 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $7,000 | 7,083 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $132,000 | 4,332 |
| Total noninterest expense | $1,575,000 | 5,098 |
| Salaries and employee benefits | $857,000 | 4,894 |
| Premises and equipment expense | $395,000 | 3,212 |
| Additional noninterest expense | $323,000 | 6,342 |
| Pre-tax net operating income | $270,000 | 4,289 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $86,000 | 2,750 |
| Income before extraordinary items | $184,000 | 4,635 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 4,632 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $184,000 | 4,632 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $184,000 | 4,545 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,084,000 | 3,814 |
| Total interest expense | $992,000 | 3,069 |
| Net interest income | $1,092,000 | 4,304 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $72,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $3,000 | 7,123 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $69,000 | 4,257 |
| Total noninterest expense | $772,000 | 5,078 |
| Salaries and employee benefits | $428,000 | 4,937 |
| Premises and equipment expense | $198,000 | 3,247 |
| Additional noninterest expense | $146,000 | 6,381 |
| Pre-tax net operating income | $377,000 | 2,921 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $142,000 | 1,798 |
| Income before extraordinary items | $235,000 | 3,567 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $235,000 | 3,567 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $235,000 | 3,568 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $235,000 | 3,428 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,808,000 | 3,593 |
| Total interest expense | $5,037,000 | 2,948 |
| Net interest income | $4,771,000 | 4,070 |
| Provision for loan and lease losses | $140,000 | 5,648 |
| Total noninterest income | $289,000 | 5,889 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,153 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $278,000 | 4,238 |
| Total noninterest expense | $3,195,000 | 4,912 |
| Salaries and employee benefits | $1,784,000 | 4,817 |
| Premises and equipment expense | $811,000 | 3,148 |
| Additional noninterest expense | $600,000 | 6,221 |
| Pre-tax net operating income | $1,725,000 | 2,773 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $377,000 | 2,142 |
| Income before extraordinary items | $1,348,000 | 2,714 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,348,000 | 2,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 3,191 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,348,000 | 2,856 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,481,000 | 3,601 |
| Total interest expense | $3,868,000 | 2,989 |
| Net interest income | $3,613,000 | 4,069 |
| Provision for loan and lease losses | $140,000 | 4,706 |
| Total noninterest income | $214,000 | 5,985 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $8,000 | 7,214 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $206,000 | 4,356 |
| Total noninterest expense | $2,281,000 | 5,061 |
| Salaries and employee benefits | $1,257,000 | 5,024 |
| Premises and equipment expense | $612,000 | 3,143 |
| Additional noninterest expense | $412,000 | 6,390 |
| Pre-tax net operating income | $1,406,000 | 2,967 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $301,000 | 2,452 |
| Income before extraordinary items | $1,105,000 | 2,908 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,105,000 | 2,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,831 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,105,000 | 3,058 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,135,000 | 3,576 |
| Total interest expense | $2,703,000 | 2,985 |
| Net interest income | $2,432,000 | 4,054 |
| Provision for loan and lease losses | $140,000 | 3,766 |
| Total noninterest income | $145,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $5,000 | 7,264 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $140,000 | 4,423 |
| Total noninterest expense | $1,493,000 | 5,140 |
| Salaries and employee benefits | $835,000 | 5,087 |
| Premises and equipment expense | $396,000 | 3,238 |
| Additional noninterest expense | $262,000 | 6,534 |
| Pre-tax net operating income | $944,000 | 3,069 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $227,000 | 2,540 |
| Income before extraordinary items | $717,000 | 3,279 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $717,000 | 3,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,779 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $717,000 | 3,218 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,727,000 | 3,492 |
| Total interest expense | $1,416,000 | 3,042 |
| Net interest income | $1,311,000 | 3,840 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $78,000 | 5,923 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $2,000 | 7,305 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $76,000 | 4,301 |
| Total noninterest expense | $725,000 | 5,250 |
| Salaries and employee benefits | $414,000 | 5,135 |
| Premises and equipment expense | $199,000 | 3,248 |
| Additional noninterest expense | $112,000 | 6,864 |
| Pre-tax net operating income | $564,000 | 2,837 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $121,000 | 2,572 |
| Income before extraordinary items | $443,000 | 2,965 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $443,000 | 2,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,797 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $443,000 | 2,880 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,151,000 | 3,033 |
| Total interest expense | $5,908,000 | 3,039 |
| Net interest income | $7,243,000 | 3,008 |
| Provision for loan and lease losses | $20,000 | 6,324 |
| Total noninterest income | $280,000 | 6,168 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $8,000 | 7,344 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $272,000 | 4,420 |
| Total noninterest expense | $3,024,000 | 4,983 |
| Salaries and employee benefits | $1,749,000 | 4,843 |
| Premises and equipment expense | $820,000 | 3,017 |
| Additional noninterest expense | $455,000 | 6,804 |
| Pre-tax net operating income | $4,479,000 | 1,809 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,605,000 | 1,347 |
| Income before extraordinary items | $2,874,000 | 2,108 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,874,000 | 2,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,874,000 | 2,093 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,844,000 | 3,027 |
| Total interest expense | $4,390,000 | 3,066 |
| Net interest income | $5,454,000 | 2,998 |
| Provision for loan and lease losses | $20,000 | 5,830 |
| Total noninterest income | $206,000 | 6,242 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $7,000 | 7,342 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $199,000 | 4,493 |
| Total noninterest expense | $2,171,000 | 5,091 |
| Salaries and employee benefits | $1,234,000 | 5,003 |
| Premises and equipment expense | $619,000 | 2,997 |
| Additional noninterest expense | $318,000 | 6,924 |
| Pre-tax net operating income | $3,469,000 | 1,862 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,434,000 | 1,269 |
| Income before extraordinary items | $2,035,000 | 2,332 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,035,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,035,000 | 2,312 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,511,000 | 3,056 |
| Total interest expense | $2,865,000 | 3,116 |
| Net interest income | $3,646,000 | 3,012 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $134,000 | 6,327 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $5,000 | 7,379 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $129,000 | 4,601 |
| Total noninterest expense | $1,516,000 | 4,976 |
| Salaries and employee benefits | $819,000 | 5,066 |
| Premises and equipment expense | $416,000 | 3,005 |
| Additional noninterest expense | $281,000 | 6,286 |
| Pre-tax net operating income | $2,264,000 | 1,950 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $955,000 | 1,315 |
| Income before extraordinary items | $1,309,000 | 2,467 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,309,000 | 2,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,309,000 | 2,452 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,212,000 | 3,084 |
| Total interest expense | $1,394,000 | 3,178 |
| Net interest income | $1,818,000 | 3,021 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $61,000 | 6,498 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $3,000 | 7,373 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $58,000 | 4,822 |
| Total noninterest expense | $746,000 | 5,033 |
| Salaries and employee benefits | $404,000 | 5,135 |
| Premises and equipment expense | $206,000 | 3,033 |
| Additional noninterest expense | $136,000 | 6,389 |
| Pre-tax net operating income | $1,133,000 | 1,960 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $532,000 | 1,227 |
| Income before extraordinary items | $601,000 | 2,625 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $601,000 | 2,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $601,000 | 2,606 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,206,000 | 3,040 |
| Total interest expense | $5,006,000 | 3,026 |
| Net interest income | $7,200,000 | 3,027 |
| Provision for loan and lease losses | $90,000 | 4,875 |
| Total noninterest income | $311,000 | 6,106 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $11,000 | 7,402 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $300,000 | 4,287 |
| Total noninterest expense | $3,158,000 | 4,719 |
| Salaries and employee benefits | $1,698,000 | 4,807 |
| Premises and equipment expense | $820,000 | 2,936 |
| Additional noninterest expense | $640,000 | 5,878 |
| Pre-tax net operating income | $4,263,000 | 2,150 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,655,000 | 1,528 |
| Income before extraordinary items | $2,608,000 | 2,521 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,608,000 | 2,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,921 |
| Cash dividends | $1,200,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,608,000 | 2,500 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,965,000 | 3,076 |
| Total interest expense | $3,621,000 | 3,026 |
| Net interest income | $5,344,000 | 3,085 |
| Provision for loan and lease losses | $40,000 | 5,377 |
| Total noninterest income | $228,000 | 6,209 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $8,000 | 7,476 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $220,000 | 4,334 |
| Total noninterest expense | $2,301,000 | 4,803 |
| Salaries and employee benefits | $1,190,000 | 4,993 |
| Premises and equipment expense | $639,000 | 2,858 |
| Additional noninterest expense | $472,000 | 5,930 |
| Pre-tax net operating income | $3,231,000 | 2,201 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,356,000 | 1,501 |
| Income before extraordinary items | $1,875,000 | 2,713 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,875,000 | 2,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,785 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,875,000 | 2,698 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,791,000 | 3,122 |
| Total interest expense | $2,308,000 | 3,032 |
| Net interest income | $3,483,000 | 3,150 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $146,000 | 6,279 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $5,000 | 7,536 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $141,000 | 4,414 |
| Total noninterest expense | $1,536,000 | 4,802 |
| Salaries and employee benefits | $785,000 | 5,046 |
| Premises and equipment expense | $451,000 | 2,714 |
| Additional noninterest expense | $300,000 | 6,088 |
| Pre-tax net operating income | $2,053,000 | 2,255 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $870,000 | 1,557 |
| Income before extraordinary items | $1,183,000 | 2,825 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,183,000 | 2,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,183,000 | 2,812 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,841,000 | 3,114 |
| Total interest expense | $1,125,000 | 2,962 |
| Net interest income | $1,716,000 | 3,176 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $66,000 | 6,440 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,000 | 7,527 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $749,000 | 4,895 |
| Salaries and employee benefits | $389,000 | 5,105 |
| Premises and equipment expense | $205,000 | 2,962 |
| Additional noninterest expense | $155,000 | 5,960 |
| Pre-tax net operating income | $1,018,000 | 2,247 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $421,000 | 1,591 |
| Income before extraordinary items | $597,000 | 2,757 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $597,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $597,000 | 2,737 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,848,000 | 3,183 |
| Total interest expense | $3,659,000 | 2,841 |
| Net interest income | $6,189,000 | 3,337 |
| Provision for loan and lease losses | $42,000 | 5,929 |
| Total noninterest income | $304,000 | 6,300 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $13,000 | 7,557 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $291,000 | 4,402 |
| Total noninterest expense | $3,051,000 | 4,711 |
| Salaries and employee benefits | $1,572,000 | 4,899 |
| Premises and equipment expense | $853,000 | 2,727 |
| Additional noninterest expense | $626,000 | 5,927 |
| Pre-tax net operating income | $3,400,000 | 2,498 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,401,000 | 1,792 |
| Income before extraordinary items | $1,999,000 | 3,099 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,999,000 | 3,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,999,000 | 3,063 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,080,000 | 3,251 |
| Total interest expense | $2,570,000 | 2,863 |
| Net interest income | $4,510,000 | 3,403 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $227,000 | 6,340 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $218,000 | 4,415 |
| Total noninterest expense | $2,192,000 | 4,825 |
| Salaries and employee benefits | $1,095,000 | 5,113 |
| Premises and equipment expense | $640,000 | 2,706 |
| Additional noninterest expense | $457,000 | 5,970 |
| Pre-tax net operating income | $2,545,000 | 2,541 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,054,000 | 1,809 |
| Income before extraordinary items | $1,491,000 | 3,145 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,491,000 | 3,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,491,000 | 3,103 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,539,000 | 3,286 |
| Total interest expense | $1,609,000 | 2,890 |
| Net interest income | $2,930,000 | 3,461 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $146,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $6,000 | 7,638 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $140,000 | 4,472 |
| Total noninterest expense | $1,455,000 | 4,825 |
| Salaries and employee benefits | $738,000 | 5,088 |
| Premises and equipment expense | $430,000 | 2,666 |
| Additional noninterest expense | $287,000 | 6,143 |
| Pre-tax net operating income | $1,621,000 | 2,595 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $662,000 | 1,864 |
| Income before extraordinary items | $959,000 | 3,186 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $959,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $959,000 | 3,135 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,205,000 | 3,330 |
| Total interest expense | $760,000 | 2,925 |
| Net interest income | $1,445,000 | 3,507 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $68,000 | 6,493 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,607 |
| Total noninterest expense | $699,000 | 5,005 |
| Salaries and employee benefits | $356,000 | 5,233 |
| Premises and equipment expense | $216,000 | 2,679 |
| Additional noninterest expense | $127,000 | 6,504 |
| Pre-tax net operating income | $814,000 | 2,537 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $327,000 | 1,863 |
| Income before extraordinary items | $487,000 | 3,106 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $487,000 | 3,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $487,000 | 3,068 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,838,000 | 3,466 |
| Total interest expense | $2,518,000 | 3,047 |
| Net interest income | $5,320,000 | 3,628 |
| Provision for loan and lease losses | $66,000 | 5,556 |
| Total noninterest income | $314,000 | 6,303 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $7,000 | 7,808 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $307,000 | 4,222 |
| Total noninterest expense | $2,993,000 | 4,662 |
| Salaries and employee benefits | $1,454,000 | 5,057 |
| Premises and equipment expense | $852,000 | 2,638 |
| Additional noninterest expense | $687,000 | 5,581 |
| Pre-tax net operating income | $2,575,000 | 2,935 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,035,000 | 2,100 |
| Income before extraordinary items | $1,540,000 | 3,573 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,540,000 | 3,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,540,000 | 3,508 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,717,000 | 3,532 |
| Total interest expense | $1,824,000 | 3,066 |
| Net interest income | $3,893,000 | 3,679 |
| Provision for loan and lease losses | $66,000 | 5,012 |
| Total noninterest income | $261,000 | 6,123 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $5,000 | 7,853 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $256,000 | 4,020 |
| Total noninterest expense | $2,212,000 | 4,680 |
| Salaries and employee benefits | $1,072,000 | 5,060 |
| Premises and equipment expense | $631,000 | 2,657 |
| Additional noninterest expense | $509,000 | 5,585 |
| Pre-tax net operating income | $1,876,000 | 3,046 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $755,000 | 2,200 |
| Income before extraordinary items | $1,121,000 | 3,715 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,121,000 | 3,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,121,000 | 3,639 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,727,000 | 3,582 |
| Total interest expense | $1,207,000 | 3,068 |
| Net interest income | $2,520,000 | 3,753 |
| Provision for loan and lease losses | $51,000 | 4,664 |
| Total noninterest income | $177,000 | 6,098 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $4,000 | 7,894 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $173,000 | 4,032 |
| Total noninterest expense | $1,477,000 | 4,713 |
| Salaries and employee benefits | $745,000 | 4,952 |
| Premises and equipment expense | $424,000 | 2,647 |
| Additional noninterest expense | $308,000 | 5,897 |
| Pre-tax net operating income | $1,169,000 | 3,179 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $460,000 | 2,335 |
| Income before extraordinary items | $709,000 | 3,821 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $709,000 | 3,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $709,000 | 3,733 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,842,000 | 3,624 |
| Total interest expense | $606,000 | 3,091 |
| Net interest income | $1,236,000 | 3,806 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $92,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,000 | 7,896 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $90,000 | 3,932 |
| Total noninterest expense | $740,000 | 4,730 |
| Salaries and employee benefits | $381,000 | 4,905 |
| Premises and equipment expense | $219,000 | 2,585 |
| Additional noninterest expense | $140,000 | 6,209 |
| Pre-tax net operating income | $563,000 | 3,241 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $232,000 | 2,306 |
| Income before extraordinary items | $331,000 | 4,008 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $331,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $331,000 | 3,879 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,442,000 | 3,628 |
| Total interest expense | $2,676,000 | 3,174 |
| Net interest income | $4,766,000 | 3,823 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $360,000 | 6,195 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $7,000 | 7,973 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $353,000 | 4,204 |
| Total noninterest expense | $2,929,000 | 4,680 |
| Salaries and employee benefits | $1,508,000 | 4,832 |
| Premises and equipment expense | $864,000 | 2,579 |
| Additional noninterest expense | $557,000 | 6,216 |
| Pre-tax net operating income | $2,017,000 | 3,380 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $707,000 | 2,781 |
| Income before extraordinary items | $1,310,000 | 3,893 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,310,000 | 3,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,310,000 | 3,729 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,595,000 | 3,673 |
| Total interest expense | $2,079,000 | 3,190 |
| Net interest income | $3,516,000 | 3,887 |
| Provision for loan and lease losses | $125,000 | 4,278 |
| Total noninterest income | $259,000 | 6,333 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $5,000 | 8,030 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $254,000 | 4,354 |
| Total noninterest expense | $2,154,000 | 4,736 |
| Salaries and employee benefits | $1,138,000 | 4,800 |
| Premises and equipment expense | $636,000 | 2,625 |
| Additional noninterest expense | $380,000 | 6,480 |
| Pre-tax net operating income | $1,496,000 | 3,518 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $610,000 | 2,638 |
| Income before extraordinary items | $886,000 | 4,334 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $886,000 | 4,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $886,000 | 4,163 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,739,000 | 3,691 |
| Total interest expense | $1,430,000 | 3,192 |
| Net interest income | $2,309,000 | 3,949 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $166,000 | 6,401 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $4,000 | 8,047 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $162,000 | 4,433 |
| Total noninterest expense | $1,418,000 | 4,762 |
| Salaries and employee benefits | $763,000 | 4,788 |
| Premises and equipment expense | $428,000 | 2,597 |
| Additional noninterest expense | $227,000 | 6,801 |
| Pre-tax net operating income | $977,000 | 3,581 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $399,000 | 2,697 |
| Income before extraordinary items | $578,000 | 4,398 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $578,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,788 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $578,000 | 4,186 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,837,000 | 3,768 |
| Total interest expense | $723,000 | 3,222 |
| Net interest income | $1,114,000 | 4,060 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $80,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 4,426 |
| Total noninterest expense | $694,000 | 4,822 |
| Salaries and employee benefits | $379,000 | 4,810 |
| Premises and equipment expense | $209,000 | 2,669 |
| Additional noninterest expense | $106,000 | 7,009 |
| Pre-tax net operating income | $470,000 | 3,650 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $187,000 | 2,815 |
| Income before extraordinary items | $283,000 | 4,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,410 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $283,000 | 4,201 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,479,000 | 3,845 |
| Total interest expense | $3,203,000 | 3,343 |
| Net interest income | $4,276,000 | 4,135 |
| Provision for loan and lease losses | $183,000 | 4,528 |
| Total noninterest income | $371,000 | 5,964 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $10,000 | 8,083 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $361,000 | 3,881 |
| Total noninterest expense | $2,767,000 | 4,728 |
| Salaries and employee benefits | $1,482,000 | 4,737 |
| Premises and equipment expense | $803,000 | 2,676 |
| Additional noninterest expense | $482,000 | 6,607 |
| Pre-tax net operating income | $1,697,000 | 3,797 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $706,000 | 2,823 |
| Income before extraordinary items | $991,000 | 4,632 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $991,000 | 4,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,724 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $991,000 | 4,502 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,508,000 | 3,810 |
| Total interest expense | $4,248,000 | 3,620 |
| Net interest income | $4,260,000 | 3,928 |
| Provision for loan and lease losses | $128,000 | 5,093 |
| Total noninterest income | $331,000 | 6,158 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $6,000 | 8,300 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $325,000 | 3,939 |
| Total noninterest expense | $2,769,000 | 4,613 |
| Salaries and employee benefits | $1,473,000 | 4,579 |
| Premises and equipment expense | $818,000 | 2,572 |
| Additional noninterest expense | $478,000 | 6,598 |
| Pre-tax net operating income | $1,694,000 | 3,560 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $629,000 | 2,884 |
| Income before extraordinary items | $1,065,000 | 4,107 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,065,000 | 4,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,793 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,065,000 | 3,991 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,710,000 | 3,488 |
| Total interest expense | $4,862,000 | 3,406 |
| Net interest income | $4,848,000 | 3,575 |
| Provision for loan and lease losses | $213,000 | 3,605 |
| Total noninterest income | $323,000 | 6,099 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $4,000 | 8,520 |
| Trading account gains and fees | $167,000 | 115 |
| Additional Noninterest Income | $152,000 | 5,433 |
| Total noninterest expense | $2,566,000 | 4,768 |
| Salaries and employee benefits | $1,395,000 | 4,632 |
| Premises and equipment expense | $766,000 | 2,674 |
| Additional noninterest expense | $405,000 | 7,106 |
| Pre-tax net operating income | $2,392,000 | 2,868 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $840,000 | 2,424 |
| Income before extraordinary items | $1,552,000 | 3,164 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,552,000 | 3,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,552,000 | 3,164 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,460,000 | 4,174 |
| Total interest expense | $3,763,000 | 3,782 |
| Net interest income | $3,697,000 | 4,465 |
| Provision for loan and lease losses | $135,000 | 4,497 |
| Total noninterest income | $273,000 | 6,693 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,000 | 8,776 |
| Trading account gains and fees | $139,000 | 115 |
| Additional Noninterest Income | $130,000 | 5,959 |
| Total noninterest expense | $2,420,000 | 4,991 |
| Salaries and employee benefits | $1,296,000 | 4,884 |
| Premises and equipment expense | $692,000 | 2,887 |
| Additional noninterest expense | $432,000 | 7,033 |
| Pre-tax net operating income | $1,415,000 | 4,260 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $547,000 | 3,440 |
| Income before extraordinary items | $868,000 | 4,840 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $868,000 | 4,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $868,000 | 4,803 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,861,000 | 4,467 |
| Total interest expense | $3,321,000 | 4,345 |
| Net interest income | $3,540,000 | 4,558 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $304,000 | 6,437 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $6,000 | 8,939 |
| Trading account gains and fees | $150,000 | 141 |
| Additional Noninterest Income | $148,000 | 5,717 |
| Total noninterest expense | $2,410,000 | 4,895 |
| Salaries and employee benefits | $1,279,000 | 4,834 |
| Premises and equipment expense | $674,000 | 2,857 |
| Additional noninterest expense | $457,000 | 6,742 |
| Pre-tax net operating income | $1,394,000 | 4,413 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $587,000 | 3,459 |
| Income before extraordinary items | $807,000 | 5,171 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $807,000 | 5,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $807,000 | 5,078 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,115,000 | 4,987 |
| Total interest expense | $2,759,000 | 5,033 |
| Net interest income | $3,356,000 | 4,879 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $476,000 | 5,164 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $7,000 | 9,339 |
| Trading account gains and fees | $310,000 | 123 |
| Additional Noninterest Income | $159,000 | 5,549 |
| Total noninterest expense | $2,189,000 | 5,311 |
| Salaries and employee benefits | $1,168,000 | 5,216 |
| Premises and equipment expense | $599,000 | 3,160 |
| Additional noninterest expense | $422,000 | 7,177 |
| Pre-tax net operating income | $1,543,000 | 4,389 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $636,000 | 3,509 |
| Income before extraordinary items | $907,000 | 5,024 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $907,000 | 5,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $907,000 | 4,970 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,552,000 | 5,482 |
| Total interest expense | $2,445,000 | 5,607 |
| Net interest income | $3,107,000 | 5,306 |
| Provision for loan and lease losses | $89,000 | 5,411 |
| Total noninterest income | $494,000 | 5,211 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $7,000 | 9,800 |
| Trading account gains and fees | $343,000 | 133 |
| Additional Noninterest Income | $144,000 | 6,090 |
| Total noninterest expense | $2,076,000 | 5,779 |
| Salaries and employee benefits | $1,061,000 | 5,738 |
| Premises and equipment expense | $602,000 | 3,201 |
| Additional noninterest expense | $413,000 | 7,768 |
| Pre-tax net operating income | $1,436,000 | 4,500 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $592,000 | 3,635 |
| Income before extraordinary items | $844,000 | 5,097 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $844,000 | 5,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $844,000 | 5,045 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,353,000 | 5,694 |
| Total interest expense | $2,234,000 | 6,015 |
| Net interest income | $3,119,000 | 5,334 |
| Provision for loan and lease losses | $150,000 | 3,621 |
| Total noninterest income | $405,000 | 5,945 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $5,000 | 10,251 |
| Trading account gains and fees | $264,000 | 218 |
| Additional Noninterest Income | $136,000 | 6,260 |
| Total noninterest expense | $2,086,000 | 5,793 |
| Salaries and employee benefits | $1,037,000 | 5,870 |
| Premises and equipment expense | $623,000 | 3,112 |
| Additional noninterest expense | $426,000 | 7,943 |
| Pre-tax net operating income | $1,288,000 | 5,002 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $559,000 | 3,850 |
| Income before extraordinary items | $749,000 | 5,723 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $749,000 | 5,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,914 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $736,200 | 5,760 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,054,000 | 6,627 |
| Total interest expense | $1,450,000 | 7,048 |
| Net interest income | $2,604,000 | 6,258 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $382,000 | 6,314 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $6,000 | 10,784 |
| Trading account gains and fees | $196,000 | 195 |
| Additional Noninterest Income | $180,000 | 5,611 |
| Total noninterest expense | $2,056,000 | 6,058 |
| Salaries and employee benefits | $1,018,000 | 6,004 |
| Premises and equipment expense | $611,000 | 3,221 |
| Additional noninterest expense | $427,000 | 8,559 |
| Pre-tax net operating income | $831,000 | 6,721 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $359,000 | 5,167 |
| Income before extraordinary items | $472,000 | 7,523 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $472,000 | 7,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $472,000 | 7,564 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,749,000 | 7,194 |
| Total interest expense | $1,280,000 | 7,957 |
| Net interest income | $2,469,000 | 6,609 |
| Provision for loan and lease losses | $172,000 | 4,316 |
| Total noninterest income | $331,000 | 7,252 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $10,000 | 11,204 |
| Trading account gains and fees | $132,000 | 248 |
| Additional Noninterest Income | $189,000 | 5,846 |
| Total noninterest expense | $2,189,000 | 5,886 |
| Salaries and employee benefits | $999,000 | 6,143 |
| Premises and equipment expense | $643,000 | 3,119 |
| Additional noninterest expense | $547,000 | 7,797 |
| Pre-tax net operating income | $439,000 | 9,102 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $182,000 | 7,971 |
| Income before extraordinary items | $257,000 | 9,964 |
| Extraordinary gains, net | $-35,000 | 12,601 |
| Net income | $222,000 | 10,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,773 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $257,000 | 9,704 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,285,000 | 7,146 |
| Total interest expense | $1,757,000 | 7,744 |
| Net interest income | $2,528,000 | 6,535 |
| Provision for loan and lease losses | $276,000 | 4,334 |
| Total noninterest income | $334,000 | 7,304 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $8,000 | 11,638 |
| Trading account gains and fees | $145,000 | 246 |
| Additional Noninterest Income | $181,000 | 6,009 |
| Total noninterest expense | $2,109,000 | 6,126 |
| Salaries and employee benefits | $958,000 | 6,275 |
| Premises and equipment expense | $605,000 | 3,332 |
| Additional noninterest expense | $546,000 | 8,023 |
| Pre-tax net operating income | $477,000 | 8,577 |
| Securities gains (losses) | $30,000 | 4,989 |
| Applicable income taxes | $209,000 | 7,384 |
| Income before extraordinary items | $298,000 | 9,359 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $298,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 4,039 |
| Cash dividends | $1,650,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $278,800 | 9,203 |
* 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.