Home > Ohio River Bank > Income and Expense
Ohio River Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,134,000 | 4,832 |
| Total interest expense | $225,000 | 5,549 |
| Net interest income | $1,909,000 | 4,628 |
| Provision for loan and lease losses | $160,000 | 3,267 |
| Total noninterest income | $317,000 | 4,102 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $176,000 | 3,208 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $141,000 | 4,164 |
| Total noninterest expense | $1,203,000 | 5,326 |
| Salaries and employee benefits | $539,000 | 5,656 |
| Premises and equipment expense | $110,000 | 5,647 |
| Additional noninterest expense | $554,000 | 4,578 |
| Pre-tax net operating income | $863,000 | 3,135 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $293,000 | 2,083 |
| Income before extraordinary items | $570,000 | 3,747 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $570,000 | 3,748 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $570,000 | 3,749 |
| Net charge-offs | $88,000 | 3,539 |
| Cash dividends | $425,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $570,000 | 3,557 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,050,000 | 4,916 |
| Total interest expense | $108,000 | 5,734 |
| Net interest income | $942,000 | 4,697 |
| Provision for loan and lease losses | $130,000 | 2,563 |
| Total noninterest income | $148,000 | 4,264 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $84,000 | 3,280 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $64,000 | 4,357 |
| Total noninterest expense | $594,000 | 5,398 |
| Salaries and employee benefits | $267,000 | 5,707 |
| Premises and equipment expense | $57,000 | 5,612 |
| Additional noninterest expense | $270,000 | 4,651 |
| Pre-tax net operating income | $366,000 | 3,471 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $124,000 | 2,225 |
| Income before extraordinary items | $242,000 | 4,046 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $242,000 | 4,049 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $242,000 | 4,049 |
| Net charge-offs | $23,000 | 3,594 |
| Cash dividends | $225,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $242,000 | 3,890 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,406,000 | 4,909 |
| Total interest expense | $534,000 | 5,729 |
| Net interest income | $3,872,000 | 4,624 |
| Provision for loan and lease losses | $750,000 | 2,824 |
| Total noninterest income | $655,000 | 3,908 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $413,000 | 2,970 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $242,000 | 4,185 |
| Total noninterest expense | $2,722,000 | 5,132 |
| Salaries and employee benefits | $1,092,000 | 5,713 |
| Premises and equipment expense | $240,000 | 5,688 |
| Additional noninterest expense | $1,390,000 | 4,054 |
| Pre-tax net operating income | $1,055,000 | 3,626 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $359,000 | 2,357 |
| Income before extraordinary items | $696,000 | 4,170 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $696,000 | 4,173 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $696,000 | 4,173 |
| Net charge-offs | $685,000 | 2,808 |
| Cash dividends | $490,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $696,000 | 4,040 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,340,000 | 4,922 |
| Total interest expense | $419,000 | 5,762 |
| Net interest income | $2,921,000 | 4,636 |
| Provision for loan and lease losses | $720,000 | 2,405 |
| Total noninterest income | $482,000 | 3,961 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $300,000 | 3,039 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $182,000 | 4,232 |
| Total noninterest expense | $2,137,000 | 5,032 |
| Salaries and employee benefits | $822,000 | 5,717 |
| Premises and equipment expense | $177,000 | 5,769 |
| Additional noninterest expense | $1,138,000 | 3,829 |
| Pre-tax net operating income | $546,000 | 4,347 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $184,000 | 2,731 |
| Income before extraordinary items | $362,000 | 4,803 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 4,804 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $362,000 | 4,804 |
| Net charge-offs | $100,000 | 4,433 |
| Cash dividends | $190,000 | 2,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $362,000 | 4,675 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,219,000 | 4,968 |
| Total interest expense | $290,000 | 5,802 |
| Net interest income | $1,929,000 | 4,687 |
| Provision for loan and lease losses | $690,000 | 1,918 |
| Total noninterest income | $296,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $180,000 | 3,218 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $116,000 | 4,339 |
| Total noninterest expense | $1,350,000 | 5,214 |
| Salaries and employee benefits | $535,000 | 5,815 |
| Premises and equipment expense | $116,000 | 5,823 |
| Additional noninterest expense | $699,000 | 4,115 |
| Pre-tax net operating income | $185,000 | 5,203 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $62,000 | 3,216 |
| Income before extraordinary items | $123,000 | 5,538 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $123,000 | 5,537 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $123,000 | 5,538 |
| Net charge-offs | $57,000 | 4,347 |
| Cash dividends | $190,000 | 2,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $123,000 | 5,449 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,107,000 | 5,004 |
| Total interest expense | $149,000 | 5,850 |
| Net interest income | $958,000 | 4,697 |
| Provision for loan and lease losses | $70,000 | 3,831 |
| Total noninterest income | $140,000 | 4,301 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $83,000 | 3,354 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $57,000 | 4,453 |
| Total noninterest expense | $671,000 | 5,265 |
| Salaries and employee benefits | $265,000 | 5,866 |
| Premises and equipment expense | $57,000 | 5,916 |
| Additional noninterest expense | $349,000 | 4,103 |
| Pre-tax net operating income | $357,000 | 3,205 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $121,000 | 1,992 |
| Income before extraordinary items | $236,000 | 3,680 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $236,000 | 3,680 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $236,000 | 3,679 |
| Net charge-offs | $54,000 | 3,283 |
| Cash dividends | $190,000 | 1,470 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $236,000 | 3,620 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,581,000 | 5,056 |
| Total interest expense | $682,000 | 6,012 |
| Net interest income | $3,899,000 | 4,654 |
| Provision for loan and lease losses | $95,000 | 6,073 |
| Total noninterest income | $622,000 | 4,156 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $386,000 | 3,141 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $236,000 | 4,334 |
| Total noninterest expense | $2,400,000 | 5,596 |
| Salaries and employee benefits | $1,068,000 | 5,894 |
| Premises and equipment expense | $226,000 | 5,982 |
| Additional noninterest expense | $1,106,000 | 4,818 |
| Pre-tax net operating income | $2,026,000 | 2,211 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $691,000 | 1,576 |
| Income before extraordinary items | $1,335,000 | 2,701 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,335,000 | 2,697 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,335,000 | 2,702 |
| Net charge-offs | $46,000 | 5,956 |
| Cash dividends | $985,000 | 1,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,335,000 | 2,608 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,422,000 | 5,166 |
| Total interest expense | $533,000 | 6,083 |
| Net interest income | $2,889,000 | 4,746 |
| Provision for loan and lease losses | $65,000 | 6,068 |
| Total noninterest income | $471,000 | 4,183 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $287,000 | 3,231 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $184,000 | 4,316 |
| Total noninterest expense | $1,796,000 | 5,642 |
| Salaries and employee benefits | $792,000 | 5,971 |
| Premises and equipment expense | $170,000 | 6,033 |
| Additional noninterest expense | $834,000 | 4,800 |
| Pre-tax net operating income | $1,499,000 | 2,375 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $508,000 | 1,659 |
| Income before extraordinary items | $991,000 | 2,902 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $991,000 | 2,897 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $991,000 | 2,901 |
| Net charge-offs | $56,000 | 5,423 |
| Cash dividends | $710,000 | 1,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $991,000 | 2,767 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,246,000 | 5,241 |
| Total interest expense | $373,000 | 6,088 |
| Net interest income | $1,873,000 | 4,843 |
| Provision for loan and lease losses | $35,000 | 6,087 |
| Total noninterest income | $301,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $184,000 | 3,318 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $117,000 | 4,376 |
| Total noninterest expense | $1,184,000 | 5,703 |
| Salaries and employee benefits | $520,000 | 6,036 |
| Premises and equipment expense | $116,000 | 6,027 |
| Additional noninterest expense | $548,000 | 4,840 |
| Pre-tax net operating income | $955,000 | 2,466 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $323,000 | 1,665 |
| Income before extraordinary items | $632,000 | 2,967 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $632,000 | 2,961 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $632,000 | 2,966 |
| Net charge-offs | $21,000 | 5,490 |
| Cash dividends | $470,000 | 1,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $632,000 | 2,853 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,118,000 | 5,320 |
| Total interest expense | $193,000 | 6,151 |
| Net interest income | $925,000 | 4,899 |
| Provision for loan and lease losses | $15,000 | 5,865 |
| Total noninterest income | $144,000 | 4,358 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $84,000 | 3,502 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $60,000 | 4,390 |
| Total noninterest expense | $582,000 | 5,813 |
| Salaries and employee benefits | $253,000 | 6,168 |
| Premises and equipment expense | $61,000 | 6,007 |
| Additional noninterest expense | $268,000 | 4,915 |
| Pre-tax net operating income | $472,000 | 2,522 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $160,000 | 1,668 |
| Income before extraordinary items | $312,000 | 3,059 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $312,000 | 3,055 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $312,000 | 3,059 |
| Net charge-offs | $11,000 | 4,779 |
| Cash dividends | $240,000 | 1,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $312,000 | 2,952 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,610,000 | 5,350 |
| Total interest expense | $950,000 | 6,126 |
| Net interest income | $3,660,000 | 4,842 |
| Provision for loan and lease losses | $51,000 | 6,822 |
| Total noninterest income | $579,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $353,000 | 3,567 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $226,000 | 4,443 |
| Total noninterest expense | $2,409,000 | 5,768 |
| Salaries and employee benefits | $983,000 | 6,268 |
| Premises and equipment expense | $236,000 | 6,186 |
| Additional noninterest expense | $1,190,000 | 4,771 |
| Pre-tax net operating income | $1,779,000 | 2,104 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $603,000 | 1,377 |
| Income before extraordinary items | $1,176,000 | 2,508 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,176,000 | 2,506 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,176,000 | 2,507 |
| Net charge-offs | $19,000 | 6,679 |
| Cash dividends | $1,010,000 | 1,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,176,000 | 2,459 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,461,000 | 5,419 |
| Total interest expense | $726,000 | 6,228 |
| Net interest income | $2,735,000 | 4,858 |
| Provision for loan and lease losses | $39,000 | 6,695 |
| Total noninterest income | $413,000 | 4,602 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $250,000 | 3,694 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $163,000 | 4,618 |
| Total noninterest expense | $1,755,000 | 5,875 |
| Salaries and employee benefits | $730,000 | 6,336 |
| Premises and equipment expense | $182,000 | 6,172 |
| Additional noninterest expense | $843,000 | 4,916 |
| Pre-tax net operating income | $1,354,000 | 2,237 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $459,000 | 1,489 |
| Income before extraordinary items | $895,000 | 2,660 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $895,000 | 2,657 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $895,000 | 2,660 |
| Net charge-offs | $6,000 | 6,654 |
| Cash dividends | $660,000 | 1,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $895,000 | 2,620 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,321,000 | 5,457 |
| Total interest expense | $485,000 | 6,338 |
| Net interest income | $1,836,000 | 4,828 |
| Provision for loan and lease losses | $26,000 | 6,572 |
| Total noninterest income | $269,000 | 4,652 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $160,000 | 3,755 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $109,000 | 4,644 |
| Total noninterest expense | $1,189,000 | 5,874 |
| Salaries and employee benefits | $483,000 | 6,411 |
| Premises and equipment expense | $127,000 | 6,125 |
| Additional noninterest expense | $579,000 | 4,828 |
| Pre-tax net operating income | $890,000 | 2,318 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $301,000 | 1,525 |
| Income before extraordinary items | $589,000 | 2,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $589,000 | 2,799 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $589,000 | 2,801 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $435,000 | 1,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $589,000 | 2,701 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,176,000 | 5,470 |
| Total interest expense | $241,000 | 6,465 |
| Net interest income | $935,000 | 4,761 |
| Provision for loan and lease losses | $13,000 | 6,217 |
| Total noninterest income | $127,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $74,000 | 3,855 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $53,000 | 4,730 |
| Total noninterest expense | $563,000 | 5,964 |
| Salaries and employee benefits | $239,000 | 6,490 |
| Premises and equipment expense | $68,000 | 6,010 |
| Additional noninterest expense | $256,000 | 4,889 |
| Pre-tax net operating income | $486,000 | 2,434 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $164,000 | 1,653 |
| Income before extraordinary items | $322,000 | 2,984 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $322,000 | 2,985 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $322,000 | 2,985 |
| Net charge-offs | $-1,000 | 7,151 |
| Cash dividends | $235,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $322,000 | 2,844 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,041,000 | 5,435 |
| Total interest expense | $1,475,000 | 6,019 |
| Net interest income | $3,566,000 | 4,927 |
| Provision for loan and lease losses | $16,000 | 7,078 |
| Total noninterest income | $573,000 | 4,570 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $306,000 | 3,985 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $267,000 | 4,307 |
| Total noninterest expense | $2,290,000 | 5,869 |
| Salaries and employee benefits | $1,077,000 | 6,256 |
| Premises and equipment expense | $239,000 | 6,339 |
| Additional noninterest expense | $974,000 | 4,898 |
| Pre-tax net operating income | $1,833,000 | 2,634 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $615,000 | 1,642 |
| Income before extraordinary items | $1,218,000 | 2,882 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,218,000 | 2,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,480 |
| Cash dividends | $815,000 | 2,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,218,000 | 3,032 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,785,000 | 5,497 |
| Total interest expense | $1,164,000 | 6,033 |
| Net interest income | $2,621,000 | 5,027 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $444,000 | 4,602 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $227,000 | 4,023 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $217,000 | 4,271 |
| Total noninterest expense | $1,698,000 | 5,889 |
| Salaries and employee benefits | $806,000 | 6,266 |
| Premises and equipment expense | $179,000 | 6,364 |
| Additional noninterest expense | $713,000 | 4,898 |
| Pre-tax net operating income | $1,367,000 | 3,038 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $458,000 | 2,011 |
| Income before extraordinary items | $909,000 | 3,298 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $909,000 | 3,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,934 |
| Cash dividends | $585,000 | 2,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $909,000 | 3,432 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,503,000 | 5,593 |
| Total interest expense | $786,000 | 6,145 |
| Net interest income | $1,717,000 | 5,082 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $314,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $150,000 | 4,054 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $164,000 | 4,156 |
| Total noninterest expense | $1,131,000 | 5,936 |
| Salaries and employee benefits | $538,000 | 6,316 |
| Premises and equipment expense | $120,000 | 6,386 |
| Additional noninterest expense | $473,000 | 4,913 |
| Pre-tax net operating income | $900,000 | 3,165 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $301,000 | 2,208 |
| Income before extraordinary items | $599,000 | 3,646 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $599,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $435,000 | 2,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $599,000 | 3,589 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,245,000 | 5,718 |
| Total interest expense | $388,000 | 6,311 |
| Net interest income | $857,000 | 5,095 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $142,000 | 4,727 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $73,000 | 4,064 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $69,000 | 4,449 |
| Total noninterest expense | $568,000 | 5,961 |
| Salaries and employee benefits | $279,000 | 6,272 |
| Premises and equipment expense | $63,000 | 6,324 |
| Additional noninterest expense | $226,000 | 4,993 |
| Pre-tax net operating income | $431,000 | 3,381 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $143,000 | 2,382 |
| Income before extraordinary items | $288,000 | 3,892 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $288,000 | 3,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $205,000 | 2,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $288,000 | 3,810 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,202,000 | 5,614 |
| Total interest expense | $1,865,000 | 5,978 |
| Net interest income | $3,337,000 | 5,202 |
| Provision for loan and lease losses | $16,000 | 6,415 |
| Total noninterest income | $555,000 | 4,794 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $323,000 | 3,947 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $232,000 | 4,755 |
| Total noninterest expense | $2,186,000 | 5,972 |
| Salaries and employee benefits | $1,114,000 | 6,197 |
| Premises and equipment expense | $260,000 | 6,151 |
| Additional noninterest expense | $812,000 | 5,298 |
| Pre-tax net operating income | $1,690,000 | 3,678 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $530,000 | 2,663 |
| Income before extraordinary items | $1,160,000 | 4,008 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,160,000 | 4,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,055 |
| Cash dividends | $865,000 | 2,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,160,000 | 4,002 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 5,635 |
| Total interest expense | $1,430,000 | 5,959 |
| Net interest income | $2,469,000 | 5,262 |
| Provision for loan and lease losses | $16,000 | 5,978 |
| Total noninterest income | $403,000 | 4,892 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $237,000 | 3,986 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $166,000 | 4,870 |
| Total noninterest expense | $1,638,000 | 5,949 |
| Salaries and employee benefits | $839,000 | 6,167 |
| Premises and equipment expense | $197,000 | 6,112 |
| Additional noninterest expense | $602,000 | 5,285 |
| Pre-tax net operating income | $1,218,000 | 3,914 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $380,000 | 2,867 |
| Income before extraordinary items | $838,000 | 4,252 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $838,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $620,000 | 2,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $838,000 | 4,238 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,551,000 | 5,720 |
| Total interest expense | $936,000 | 6,016 |
| Net interest income | $1,615,000 | 5,348 |
| Provision for loan and lease losses | $12,000 | 5,644 |
| Total noninterest income | $268,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $154,000 | 4,033 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $114,000 | 4,859 |
| Total noninterest expense | $1,086,000 | 6,008 |
| Salaries and employee benefits | $553,000 | 6,252 |
| Premises and equipment expense | $130,000 | 6,176 |
| Additional noninterest expense | $403,000 | 5,280 |
| Pre-tax net operating income | $785,000 | 4,056 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $244,000 | 3,000 |
| Income before extraordinary items | $541,000 | 4,381 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $541,000 | 4,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,997 |
| Cash dividends | $400,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $541,000 | 4,376 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 5,803 |
| Total interest expense | $453,000 | 6,083 |
| Net interest income | $784,000 | 5,452 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $117,000 | 5,185 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $71,000 | 4,138 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $542,000 | 6,061 |
| Salaries and employee benefits | $280,000 | 6,259 |
| Premises and equipment expense | $64,000 | 6,249 |
| Additional noninterest expense | $198,000 | 5,286 |
| Pre-tax net operating income | $353,000 | 4,290 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $108,000 | 3,167 |
| Income before extraordinary items | $245,000 | 4,616 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $245,000 | 4,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $170,000 | 2,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $245,000 | 4,600 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,550,000 | 5,809 |
| Total interest expense | $1,507,000 | 6,102 |
| Net interest income | $3,043,000 | 5,482 |
| Provision for loan and lease losses | $18,000 | 6,359 |
| Total noninterest income | $429,000 | 5,457 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $286,000 | 4,220 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $143,000 | 5,703 |
| Total noninterest expense | $2,105,000 | 6,013 |
| Salaries and employee benefits | $1,077,000 | 6,223 |
| Premises and equipment expense | $250,000 | 6,215 |
| Additional noninterest expense | $778,000 | 5,315 |
| Pre-tax net operating income | $1,349,000 | 4,527 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $416,000 | 3,384 |
| Income before extraordinary items | $933,000 | 4,859 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $933,000 | 4,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $695,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $933,000 | 4,851 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,357,000 | 5,858 |
| Total interest expense | $1,084,000 | 6,148 |
| Net interest income | $2,273,000 | 5,538 |
| Provision for loan and lease losses | $14,000 | 6,239 |
| Total noninterest income | $302,000 | 5,621 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $207,000 | 4,324 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $95,000 | 5,936 |
| Total noninterest expense | $1,563,000 | 6,030 |
| Salaries and employee benefits | $804,000 | 6,216 |
| Premises and equipment expense | $188,000 | 6,239 |
| Additional noninterest expense | $571,000 | 5,376 |
| Pre-tax net operating income | $998,000 | 4,715 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $310,000 | 3,537 |
| Income before extraordinary items | $688,000 | 5,037 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $688,000 | 5,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $515,000 | 2,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $688,000 | 5,033 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 5,884 |
| Total interest expense | $686,000 | 6,173 |
| Net interest income | $1,512,000 | 5,565 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $193,000 | 5,721 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $131,000 | 4,411 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,020 |
| Total noninterest expense | $1,033,000 | 6,077 |
| Salaries and employee benefits | $533,000 | 6,259 |
| Premises and equipment expense | $123,000 | 6,290 |
| Additional noninterest expense | $377,000 | 5,413 |
| Pre-tax net operating income | $660,000 | 4,755 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $205,000 | 3,582 |
| Income before extraordinary items | $455,000 | 5,105 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $455,000 | 5,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $335,000 | 2,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $455,000 | 5,098 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,084,000 | 5,887 |
| Total interest expense | $322,000 | 6,236 |
| Net interest income | $762,000 | 5,561 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $88,000 | 5,867 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $57,000 | 4,646 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,011 |
| Total noninterest expense | $508,000 | 6,139 |
| Salaries and employee benefits | $268,000 | 6,251 |
| Premises and equipment expense | $64,000 | 6,199 |
| Additional noninterest expense | $176,000 | 5,577 |
| Pre-tax net operating income | $336,000 | 4,683 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $105,000 | 3,523 |
| Income before extraordinary items | $231,000 | 5,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $231,000 | 5,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $175,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $231,000 | 5,004 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,197,000 | 5,683 |
| Total interest expense | $1,170,000 | 5,878 |
| Net interest income | $3,027,000 | 5,480 |
| Provision for loan and lease losses | $42,000 | 5,929 |
| Total noninterest income | $356,000 | 5,972 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $251,000 | 4,569 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $105,000 | 6,333 |
| Total noninterest expense | $2,114,000 | 5,916 |
| Salaries and employee benefits | $1,032,000 | 6,258 |
| Premises and equipment expense | $294,000 | 5,790 |
| Additional noninterest expense | $788,000 | 5,218 |
| Pre-tax net operating income | $1,227,000 | 4,856 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $384,000 | 3,764 |
| Income before extraordinary items | $843,000 | 5,229 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $843,000 | 5,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,191 |
| Cash dividends | $615,000 | 3,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $843,000 | 5,198 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,107,000 | 5,699 |
| Total interest expense | $858,000 | 5,837 |
| Net interest income | $2,249,000 | 5,528 |
| Provision for loan and lease losses | $42,000 | 5,513 |
| Total noninterest income | $262,000 | 6,058 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $189,000 | 4,590 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $73,000 | 6,452 |
| Total noninterest expense | $1,606,000 | 5,843 |
| Salaries and employee benefits | $775,000 | 6,232 |
| Premises and equipment expense | $219,000 | 5,809 |
| Additional noninterest expense | $612,000 | 5,052 |
| Pre-tax net operating income | $863,000 | 5,127 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $269,000 | 3,973 |
| Income before extraordinary items | $594,000 | 5,463 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $594,000 | 5,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,590 |
| Cash dividends | $440,000 | 3,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $594,000 | 5,438 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,035,000 | 5,695 |
| Total interest expense | $554,000 | 5,783 |
| Net interest income | $1,481,000 | 5,537 |
| Provision for loan and lease losses | $42,000 | 4,804 |
| Total noninterest income | $177,000 | 6,013 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $131,000 | 4,456 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $46,000 | 6,538 |
| Total noninterest expense | $1,055,000 | 5,883 |
| Salaries and employee benefits | $509,000 | 6,284 |
| Premises and equipment expense | $149,000 | 5,729 |
| Additional noninterest expense | $397,000 | 5,111 |
| Pre-tax net operating income | $561,000 | 5,179 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $176,000 | 4,015 |
| Income before extraordinary items | $385,000 | 5,538 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $385,000 | 5,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $290,000 | 3,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $385,000 | 5,491 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 5,701 |
| Total interest expense | $266,000 | 5,801 |
| Net interest income | $744,000 | 5,558 |
| Provision for loan and lease losses | $22,000 | 4,548 |
| Total noninterest income | $94,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 6,055 |
| Total noninterest expense | $509,000 | 6,039 |
| Salaries and employee benefits | $252,000 | 6,363 |
| Premises and equipment expense | $55,000 | 6,532 |
| Additional noninterest expense | $202,000 | 5,032 |
| Pre-tax net operating income | $307,000 | 4,929 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $97,000 | 3,813 |
| Income before extraordinary items | $210,000 | 5,300 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $210,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $155,000 | 2,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $210,000 | 5,266 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,842,000 | 5,682 |
| Total interest expense | $938,000 | 5,843 |
| Net interest income | $2,904,000 | 5,507 |
| Provision for loan and lease losses | $41,000 | 6,153 |
| Total noninterest income | $402,000 | 5,784 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $298,000 | 4,328 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $104,000 | 6,343 |
| Total noninterest expense | $1,983,000 | 6,032 |
| Salaries and employee benefits | $965,000 | 6,396 |
| Premises and equipment expense | $218,000 | 6,550 |
| Additional noninterest expense | $800,000 | 5,092 |
| Pre-tax net operating income | $1,282,000 | 4,624 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $406,000 | 3,704 |
| Income before extraordinary items | $876,000 | 5,047 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $876,000 | 5,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,375 |
| Cash dividends | $555,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $876,000 | 4,975 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,859,000 | 5,690 |
| Total interest expense | $657,000 | 6,007 |
| Net interest income | $2,202,000 | 5,470 |
| Provision for loan and lease losses | $27,000 | 6,080 |
| Total noninterest income | $305,000 | 5,777 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $234,000 | 4,259 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $71,000 | 6,524 |
| Total noninterest expense | $1,485,000 | 5,993 |
| Salaries and employee benefits | $723,000 | 6,372 |
| Premises and equipment expense | $161,000 | 6,576 |
| Additional noninterest expense | $601,000 | 5,045 |
| Pre-tax net operating income | $995,000 | 4,624 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $316,000 | 3,702 |
| Income before extraordinary items | $679,000 | 5,035 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $679,000 | 5,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 2,625 |
| Cash dividends | $380,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $679,000 | 4,952 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,882,000 | 5,749 |
| Total interest expense | $404,000 | 6,263 |
| Net interest income | $1,478,000 | 5,453 |
| Provision for loan and lease losses | $13,000 | 6,215 |
| Total noninterest income | $201,000 | 5,804 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $152,000 | 4,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $993,000 | 6,021 |
| Salaries and employee benefits | $474,000 | 6,468 |
| Premises and equipment expense | $107,000 | 6,627 |
| Additional noninterest expense | $412,000 | 4,962 |
| Pre-tax net operating income | $673,000 | 4,544 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $214,000 | 3,643 |
| Income before extraordinary items | $459,000 | 4,951 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $459,000 | 4,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,094 |
| Cash dividends | $380,000 | 2,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $459,000 | 4,865 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 5,747 |
| Total interest expense | $199,000 | 6,369 |
| Net interest income | $748,000 | 5,418 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $100,000 | 5,773 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 4,298 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $26,000 | 6,361 |
| Total noninterest expense | $466,000 | 6,282 |
| Salaries and employee benefits | $235,000 | 6,534 |
| Premises and equipment expense | $52,000 | 6,694 |
| Additional noninterest expense | $179,000 | 5,453 |
| Pre-tax net operating income | $382,000 | 4,192 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $123,000 | 3,454 |
| Income before extraordinary items | $259,000 | 4,652 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $259,000 | 4,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 1,270 |
| Cash dividends | $190,000 | 2,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $259,000 | 4,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,883,000 | 5,751 |
| Total interest expense | $970,000 | 6,204 |
| Net interest income | $2,913,000 | 5,405 |
| Provision for loan and lease losses | $28,000 | 6,851 |
| Total noninterest income | $447,000 | 5,707 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $317,000 | 4,172 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $130,000 | 6,086 |
| Total noninterest expense | $1,899,000 | 6,161 |
| Salaries and employee benefits | $962,000 | 6,395 |
| Premises and equipment expense | $226,000 | 6,477 |
| Additional noninterest expense | $711,000 | 5,453 |
| Pre-tax net operating income | $1,433,000 | 4,238 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $458,000 | 3,539 |
| Income before extraordinary items | $975,000 | 4,711 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $975,000 | 4,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,260 |
| Cash dividends | $825,000 | 2,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $975,000 | 4,545 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,938,000 | 5,779 |
| Total interest expense | $758,000 | 6,233 |
| Net interest income | $2,180,000 | 5,428 |
| Provision for loan and lease losses | $28,000 | 6,466 |
| Total noninterest income | $326,000 | 5,844 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $213,000 | 4,446 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $113,000 | 5,844 |
| Total noninterest expense | $1,434,000 | 6,102 |
| Salaries and employee benefits | $728,000 | 6,346 |
| Premises and equipment expense | $172,000 | 6,445 |
| Additional noninterest expense | $534,000 | 5,423 |
| Pre-tax net operating income | $1,044,000 | 4,434 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $335,000 | 3,725 |
| Income before extraordinary items | $709,000 | 4,966 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $709,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $475,000 | 2,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $709,000 | 4,773 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,994,000 | 5,759 |
| Total interest expense | $540,000 | 6,161 |
| Net interest income | $1,454,000 | 5,428 |
| Provision for loan and lease losses | $28,000 | 6,019 |
| Total noninterest income | $204,000 | 5,954 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $130,000 | 4,653 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $74,000 | 5,881 |
| Total noninterest expense | $959,000 | 6,120 |
| Salaries and employee benefits | $488,000 | 6,352 |
| Premises and equipment expense | $113,000 | 6,446 |
| Additional noninterest expense | $358,000 | 5,395 |
| Pre-tax net operating income | $671,000 | 4,535 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $215,000 | 3,820 |
| Income before extraordinary items | $456,000 | 5,050 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $456,000 | 5,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $275,000 | 3,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $456,000 | 4,843 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $994,000 | 5,791 |
| Total interest expense | $282,000 | 6,142 |
| Net interest income | $712,000 | 5,497 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $92,000 | 6,102 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $61,000 | 4,717 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $485,000 | 6,101 |
| Salaries and employee benefits | $248,000 | 6,282 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $180,000 | 5,349 |
| Pre-tax net operating income | $298,000 | 4,806 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $95,000 | 4,029 |
| Income before extraordinary items | $203,000 | 5,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $203,000 | 5,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $75,000 | 3,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $203,000 | 5,104 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,422,000 | 5,591 |
| Total interest expense | $1,796,000 | 5,165 |
| Net interest income | $2,626,000 | 5,747 |
| Provision for loan and lease losses | $90,000 | 5,880 |
| Total noninterest income | $368,000 | 5,983 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $258,000 | 4,619 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 6,258 |
| Total noninterest expense | $1,815,000 | 6,224 |
| Salaries and employee benefits | $941,000 | 6,345 |
| Premises and equipment expense | $233,000 | 6,353 |
| Additional noninterest expense | $641,000 | 5,702 |
| Pre-tax net operating income | $1,089,000 | 4,989 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $346,000 | 4,181 |
| Income before extraordinary items | $743,000 | 5,391 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $743,000 | 5,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $450,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $743,000 | 5,258 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,021,000 | 5,597 |
| Total interest expense | $2,618,000 | 5,239 |
| Net interest income | $2,403,000 | 5,850 |
| Provision for loan and lease losses | $53,000 | 6,599 |
| Total noninterest income | $345,000 | 6,056 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $249,000 | 4,653 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $96,000 | 6,520 |
| Total noninterest expense | $1,790,000 | 6,147 |
| Salaries and employee benefits | $904,000 | 6,356 |
| Premises and equipment expense | $225,000 | 6,420 |
| Additional noninterest expense | $661,000 | 5,479 |
| Pre-tax net operating income | $905,000 | 5,176 |
| Securities gains (losses) | $47,000 | 2,415 |
| Applicable income taxes | $302,000 | 4,245 |
| Income before extraordinary items | $650,000 | 5,410 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $650,000 | 5,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,101 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $618,040 | 5,407 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,504,000 | 6,089 |
| Total interest expense | $2,323,000 | 5,801 |
| Net interest income | $2,181,000 | 6,297 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $283,000 | 6,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 4,967 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $73,000 | 7,104 |
| Total noninterest expense | $1,780,000 | 6,099 |
| Salaries and employee benefits | $896,000 | 6,332 |
| Premises and equipment expense | $233,000 | 6,275 |
| Additional noninterest expense | $651,000 | 5,464 |
| Pre-tax net operating income | $614,000 | 6,535 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $200,000 | 5,386 |
| Income before extraordinary items | $414,000 | 6,766 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $414,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,198 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $414,000 | 6,772 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,150,000 | 6,232 |
| Total interest expense | $1,840,000 | 6,282 |
| Net interest income | $2,310,000 | 6,087 |
| Provision for loan and lease losses | $168,000 | 4,004 |
| Total noninterest income | $259,000 | 6,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 5,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,576 |
| Total noninterest expense | $1,787,000 | 6,108 |
| Salaries and employee benefits | $880,000 | 6,400 |
| Premises and equipment expense | $209,000 | 6,663 |
| Additional noninterest expense | $698,000 | 5,250 |
| Pre-tax net operating income | $614,000 | 6,660 |
| Securities gains (losses) | $9,000 | 1,806 |
| Applicable income taxes | $202,000 | 5,690 |
| Income before extraordinary items | $421,000 | 6,868 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $421,000 | 6,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $414,880 | 6,883 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,311,000 | 7,159 |
| Total interest expense | $1,685,000 | 6,792 |
| Net interest income | $1,626,000 | 7,422 |
| Provision for loan and lease losses | $169,000 | 3,931 |
| Total noninterest income | $179,000 | 7,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 6,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,120 |
| Total noninterest expense | $1,412,000 | 6,931 |
| Salaries and employee benefits | $681,000 | 7,300 |
| Premises and equipment expense | $157,000 | 7,493 |
| Additional noninterest expense | $574,000 | 5,918 |
| Pre-tax net operating income | $224,000 | 8,800 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $-152,000 | 10,279 |
| Income before extraordinary items | $393,000 | 7,263 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $393,000 | 7,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,472 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $376,000 | 7,284 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,891,000 | 7,899 |
| Total interest expense | $1,498,000 | 7,351 |
| Net interest income | $1,393,000 | 8,256 |
| Provision for loan and lease losses | $167,000 | 3,903 |
| Total noninterest income | $160,000 | 8,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 6,863 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 8,689 |
| Total noninterest expense | $1,210,000 | 7,636 |
| Salaries and employee benefits | $584,000 | 8,029 |
| Premises and equipment expense | $146,000 | 7,890 |
| Additional noninterest expense | $480,000 | 6,677 |
| Pre-tax net operating income | $176,000 | 9,704 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $176,000 | 9,365 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $176,000 | 9,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 3,729 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $176,000 | 9,317 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,009,000 | 9,362 |
| Total interest expense | $964,000 | 9,143 |
| Net interest income | $1,045,000 | 9,430 |
| Provision for loan and lease losses | $193,000 | 3,505 |
| Total noninterest income | $97,000 | 9,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,274 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,012 |
| Total noninterest expense | $1,155,000 | 8,133 |
| Salaries and employee benefits | $544,000 | 8,540 |
| Premises and equipment expense | $149,000 | 8,083 |
| Additional noninterest expense | $462,000 | 7,366 |
| Pre-tax net operating income | $-206,000 | 11,076 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-206,000 | 11,112 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-206,000 | 11,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,845 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-206,000 | 11,073 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $459,000 | 11,806 |
| Total interest expense | $135,000 | 11,834 |
| Net interest income | $324,000 | 11,729 |
| Provision for loan and lease losses | $118,000 | 4,263 |
| Total noninterest income | $23,000 | 11,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 10,107 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 11,604 |
| Total noninterest expense | $949,000 | 9,168 |
| Salaries and employee benefits | $289,000 | 10,843 |
| Premises and equipment expense | $61,000 | 10,750 |
| Additional noninterest expense | $599,000 | 6,547 |
| Pre-tax net operating income | $-720,000 | 11,843 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-720,000 | 11,836 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-720,000 | 11,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 97 |
| Net operating income | $-720,000 | 11,826 |
* 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.