Home > Orange Community Bank > Income and Expense
Orange Community Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,205,000 | 2,716 |
| Total interest expense | $442,000 | 4,917 |
| Net interest income | $4,763,000 | 2,304 |
| Provision for loan and lease losses | $120,000 | 4,174 |
| Total noninterest income | $508,000 | 3,096 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $420,000 | 1,697 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 4,745 |
| Total noninterest expense | $3,865,000 | 2,468 |
| Salaries and employee benefits | $2,156,000 | 2,256 |
| Premises and equipment expense | $534,000 | 2,319 |
| Additional noninterest expense | $1,175,000 | 2,784 |
| Pre-tax net operating income | $1,286,000 | 2,116 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $522,000 | 1,278 |
| Income before extraordinary items | $764,000 | 2,750 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $764,000 | 2,751 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $764,000 | 2,751 |
| Net charge-offs | $464,000 | 2,224 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 612 |
| Net operating income | $764,000 | 2,666 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,603,000 | 2,731 |
| Total interest expense | $227,000 | 4,980 |
| Net interest income | $2,376,000 | 2,294 |
| Provision for loan and lease losses | $60,000 | 3,936 |
| Total noninterest income | $272,000 | 2,992 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $220,000 | 1,606 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $52,000 | 4,604 |
| Total noninterest expense | $2,000,000 | 2,419 |
| Salaries and employee benefits | $1,123,000 | 2,188 |
| Premises and equipment expense | $271,000 | 2,315 |
| Additional noninterest expense | $606,000 | 2,706 |
| Pre-tax net operating income | $588,000 | 2,263 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $238,000 | 1,325 |
| Income before extraordinary items | $350,000 | 2,933 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $350,000 | 2,932 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $350,000 | 2,933 |
| Net charge-offs | $467,000 | 1,388 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 559 |
| Net operating income | $350,000 | 2,880 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,625,000 | 2,812 |
| Total interest expense | $1,239,000 | 4,735 |
| Net interest income | $9,386,000 | 2,324 |
| Provision for loan and lease losses | $-65,000 | 7,598 |
| Total noninterest income | $1,318,000 | 2,743 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $971,000 | 1,541 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $347,000 | 3,726 |
| Total noninterest expense | $9,058,000 | 2,142 |
| Salaries and employee benefits | $4,407,000 | 2,197 |
| Premises and equipment expense | $1,077,000 | 2,321 |
| Additional noninterest expense | $3,574,000 | 1,977 |
| Pre-tax net operating income | $1,711,000 | 2,512 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $683,000 | 1,594 |
| Income before extraordinary items | $1,028,000 | 3,171 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,028,000 | 3,167 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,028,000 | 3,171 |
| Net charge-offs | $-215,000 | 7,630 |
| Cash dividends | $150,000 | 3,487 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 748 |
| Net operating income | $1,028,000 | 3,043 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,043,000 | 2,831 |
| Total interest expense | $979,000 | 4,755 |
| Net interest income | $7,064,000 | 2,357 |
| Provision for loan and lease losses | $2,280,000 | 1,523 |
| Total noninterest income | $1,036,000 | 2,665 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $727,000 | 1,591 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $309,000 | 3,510 |
| Total noninterest expense | $6,807,000 | 2,125 |
| Salaries and employee benefits | $3,276,000 | 2,218 |
| Premises and equipment expense | $808,000 | 2,373 |
| Additional noninterest expense | $2,723,000 | 1,910 |
| Pre-tax net operating income | $-987,000 | 6,787 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-428,000 | 7,339 |
| Income before extraordinary items | $-559,000 | 6,700 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-559,000 | 6,701 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-559,000 | 6,701 |
| Net charge-offs | $2,018,000 | 1,497 |
| Cash dividends | $150,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 688 |
| Net operating income | $-559,000 | 6,640 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,377,000 | 2,851 |
| Total interest expense | $638,000 | 4,918 |
| Net interest income | $4,739,000 | 2,359 |
| Provision for loan and lease losses | $2,080,000 | 1,244 |
| Total noninterest income | $724,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $522,000 | 1,510 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $202,000 | 3,492 |
| Total noninterest expense | $4,552,000 | 2,125 |
| Salaries and employee benefits | $2,189,000 | 2,221 |
| Premises and equipment expense | $540,000 | 2,381 |
| Additional noninterest expense | $1,823,000 | 1,898 |
| Pre-tax net operating income | $-1,169,000 | 7,071 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-496,000 | 7,483 |
| Income before extraordinary items | $-673,000 | 6,949 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-673,000 | 6,949 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-673,000 | 6,949 |
| Net charge-offs | $2,022,000 | 1,114 |
| Cash dividends | $150,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $58,000 | 615 |
| Net operating income | $-673,000 | 6,913 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 2,916 |
| Total interest expense | $314,000 | 5,087 |
| Net interest income | $2,369,000 | 2,379 |
| Provision for loan and lease losses | $630,000 | 1,569 |
| Total noninterest income | $428,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $273,000 | 1,437 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $155,000 | 2,775 |
| Total noninterest expense | $2,244,000 | 2,179 |
| Salaries and employee benefits | $1,117,000 | 2,209 |
| Premises and equipment expense | $271,000 | 2,410 |
| Additional noninterest expense | $856,000 | 1,983 |
| Pre-tax net operating income | $-77,000 | 6,591 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-37,000 | 7,272 |
| Income before extraordinary items | $-40,000 | 6,574 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-40,000 | 6,576 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-40,000 | 6,575 |
| Net charge-offs | $573,000 | 1,482 |
| Cash dividends | $150,000 | 1,581 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 555 |
| Net operating income | $-40,000 | 6,497 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,983,000 | 2,974 |
| Total interest expense | $1,673,000 | 4,901 |
| Net interest income | $9,310,000 | 2,343 |
| Provision for loan and lease losses | $1,670,000 | 2,726 |
| Total noninterest income | $1,433,000 | 2,639 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,236,000 | 1,393 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $197,000 | 4,661 |
| Total noninterest expense | $8,479,000 | 2,331 |
| Salaries and employee benefits | $4,356,000 | 2,259 |
| Premises and equipment expense | $1,108,000 | 2,364 |
| Additional noninterest expense | $3,015,000 | 2,333 |
| Pre-tax net operating income | $594,000 | 3,783 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $220,000 | 2,299 |
| Income before extraordinary items | $374,000 | 4,250 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $374,000 | 4,250 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $374,000 | 4,250 |
| Net charge-offs | $931,000 | 2,950 |
| Cash dividends | $250,000 | 3,409 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 872 |
| Net operating income | $374,000 | 4,187 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,207,000 | 3,036 |
| Total interest expense | $1,327,000 | 4,911 |
| Net interest income | $6,880,000 | 2,372 |
| Provision for loan and lease losses | $620,000 | 3,481 |
| Total noninterest income | $1,089,000 | 2,669 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $935,000 | 1,385 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $154,000 | 4,711 |
| Total noninterest expense | $6,388,000 | 2,319 |
| Salaries and employee benefits | $3,265,000 | 2,283 |
| Premises and equipment expense | $826,000 | 2,407 |
| Additional noninterest expense | $2,297,000 | 2,268 |
| Pre-tax net operating income | $961,000 | 2,801 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $377,000 | 1,695 |
| Income before extraordinary items | $584,000 | 3,432 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $584,000 | 3,430 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $584,000 | 3,432 |
| Net charge-offs | $384,000 | 3,399 |
| Cash dividends | $250,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 810 |
| Net operating income | $584,000 | 3,338 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,378,000 | 3,112 |
| Total interest expense | $906,000 | 4,976 |
| Net interest income | $4,472,000 | 2,410 |
| Provision for loan and lease losses | $270,000 | 3,897 |
| Total noninterest income | $723,000 | 2,687 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $623,000 | 1,365 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $100,000 | 4,791 |
| Total noninterest expense | $4,283,000 | 2,337 |
| Salaries and employee benefits | $2,201,000 | 2,296 |
| Premises and equipment expense | $548,000 | 2,454 |
| Additional noninterest expense | $1,534,000 | 2,289 |
| Pre-tax net operating income | $642,000 | 2,907 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $252,000 | 1,718 |
| Income before extraordinary items | $390,000 | 3,516 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $390,000 | 3,513 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $390,000 | 3,514 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $250,000 | 2,406 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 782 |
| Net operating income | $390,000 | 3,401 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,667,000 | 3,166 |
| Total interest expense | $462,000 | 5,043 |
| Net interest income | $2,205,000 | 2,446 |
| Provision for loan and lease losses | $120,000 | 3,591 |
| Total noninterest income | $373,000 | 2,632 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $316,000 | 1,306 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $57,000 | 4,606 |
| Total noninterest expense | $2,124,000 | 2,295 |
| Salaries and employee benefits | $1,126,000 | 2,267 |
| Premises and equipment expense | $278,000 | 2,454 |
| Additional noninterest expense | $720,000 | 2,176 |
| Pre-tax net operating income | $334,000 | 3,162 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $132,000 | 1,899 |
| Income before extraordinary items | $202,000 | 3,843 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $202,000 | 3,844 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $202,000 | 3,844 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $100,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 672 |
| Net operating income | $202,000 | 3,694 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,053,000 | 3,263 |
| Total interest expense | $2,343,000 | 4,915 |
| Net interest income | $8,710,000 | 2,492 |
| Provision for loan and lease losses | $2,130,000 | 1,718 |
| Total noninterest income | $1,666,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,386,000 | 1,300 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $280,000 | 4,230 |
| Total noninterest expense | $7,750,000 | 2,439 |
| Salaries and employee benefits | $3,941,000 | 2,548 |
| Premises and equipment expense | $1,195,000 | 2,254 |
| Additional noninterest expense | $2,614,000 | 2,260 |
| Pre-tax net operating income | $496,000 | 4,877 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $176,000 | 2,933 |
| Income before extraordinary items | $320,000 | 5,022 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $320,000 | 5,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,260,000 | 1,726 |
| Cash dividends | $300,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $223,000 | 748 |
| Net operating income | $320,000 | 5,175 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,306,000 | 3,315 |
| Total interest expense | $1,803,000 | 4,970 |
| Net interest income | $6,503,000 | 2,529 |
| Provision for loan and lease losses | $1,070,000 | 1,755 |
| Total noninterest income | $1,235,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,056,000 | 1,285 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $179,000 | 4,652 |
| Total noninterest expense | $5,760,000 | 2,449 |
| Salaries and employee benefits | $2,972,000 | 2,565 |
| Premises and equipment expense | $881,000 | 2,298 |
| Additional noninterest expense | $1,907,000 | 2,252 |
| Pre-tax net operating income | $908,000 | 3,852 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $353,000 | 2,291 |
| Income before extraordinary items | $555,000 | 4,242 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $555,000 | 4,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $800,000 | 1,488 |
| Cash dividends | $300,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 879 |
| Net operating income | $555,000 | 4,397 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,550,000 | 3,366 |
| Total interest expense | $1,273,000 | 4,954 |
| Net interest income | $4,277,000 | 2,556 |
| Provision for loan and lease losses | $220,000 | 3,001 |
| Total noninterest income | $816,000 | 2,582 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $708,000 | 1,256 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $108,000 | 4,918 |
| Total noninterest expense | $3,867,000 | 2,452 |
| Salaries and employee benefits | $2,045,000 | 2,521 |
| Premises and equipment expense | $579,000 | 2,342 |
| Additional noninterest expense | $1,243,000 | 2,271 |
| Pre-tax net operating income | $1,006,000 | 2,930 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $404,000 | 1,859 |
| Income before extraordinary items | $602,000 | 3,635 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $602,000 | 3,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 801 |
| Net operating income | $602,000 | 3,577 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 3,339 |
| Total interest expense | $729,000 | 4,782 |
| Net interest income | $2,152,000 | 2,530 |
| Provision for loan and lease losses | $80,000 | 3,055 |
| Total noninterest income | $392,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $333,000 | 1,315 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $1,928,000 | 2,448 |
| Salaries and employee benefits | $1,043,000 | 2,493 |
| Premises and equipment expense | $287,000 | 2,356 |
| Additional noninterest expense | $598,000 | 2,316 |
| Pre-tax net operating income | $536,000 | 2,931 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $207,000 | 1,926 |
| Income before extraordinary items | $329,000 | 3,605 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $329,000 | 3,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 679 |
| Net operating income | $329,000 | 3,512 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,925,000 | 3,082 |
| Total interest expense | $3,550,000 | 4,302 |
| Net interest income | $9,375,000 | 2,375 |
| Provision for loan and lease losses | $220,000 | 3,720 |
| Total noninterest income | $1,461,000 | 2,756 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,270,000 | 1,407 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $191,000 | 5,161 |
| Total noninterest expense | $6,744,000 | 2,683 |
| Salaries and employee benefits | $3,213,000 | 3,054 |
| Premises and equipment expense | $1,080,000 | 2,404 |
| Additional noninterest expense | $2,451,000 | 2,211 |
| Pre-tax net operating income | $3,872,000 | 2,038 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,517,000 | 1,413 |
| Income before extraordinary items | $2,355,000 | 2,498 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,355,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,123 |
| Cash dividends | $600,000 | 3,413 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,152 |
| Net operating income | $2,355,000 | 2,493 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,701,000 | 3,070 |
| Total interest expense | $2,669,000 | 4,305 |
| Net interest income | $7,032,000 | 2,390 |
| Provision for loan and lease losses | $140,000 | 3,581 |
| Total noninterest income | $1,114,000 | 2,714 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $939,000 | 1,404 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $175,000 | 4,763 |
| Total noninterest expense | $4,877,000 | 2,725 |
| Salaries and employee benefits | $2,296,000 | 3,158 |
| Premises and equipment expense | $805,000 | 2,403 |
| Additional noninterest expense | $1,776,000 | 2,233 |
| Pre-tax net operating income | $3,129,000 | 2,034 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,263,000 | 1,394 |
| Income before extraordinary items | $1,866,000 | 2,529 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,866,000 | 2,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $600,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,866,000 | 2,501 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,457,000 | 3,076 |
| Total interest expense | $1,772,000 | 4,332 |
| Net interest income | $4,685,000 | 2,414 |
| Provision for loan and lease losses | $110,000 | 3,149 |
| Total noninterest income | $725,000 | 2,761 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $602,000 | 1,468 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $123,000 | 4,702 |
| Total noninterest expense | $3,236,000 | 2,775 |
| Salaries and employee benefits | $1,512,000 | 3,222 |
| Premises and equipment expense | $541,000 | 2,384 |
| Additional noninterest expense | $1,183,000 | 2,241 |
| Pre-tax net operating income | $2,064,000 | 2,098 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $844,000 | 1,441 |
| Income before extraordinary items | $1,220,000 | 2,603 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,220,000 | 2,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $600,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,220,000 | 2,582 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,145,000 | 3,148 |
| Total interest expense | $878,000 | 4,338 |
| Net interest income | $2,267,000 | 2,487 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $353,000 | 2,792 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $308,000 | 1,387 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $45,000 | 5,315 |
| Total noninterest expense | $1,592,000 | 2,825 |
| Salaries and employee benefits | $757,000 | 3,243 |
| Premises and equipment expense | $269,000 | 2,422 |
| Additional noninterest expense | $566,000 | 2,323 |
| Pre-tax net operating income | $968,000 | 2,230 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $385,000 | 1,567 |
| Income before extraordinary items | $583,000 | 2,692 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $583,000 | 2,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $600,000 | 1,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $583,000 | 2,680 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,318,000 | 3,246 |
| Total interest expense | $2,632,000 | 4,688 |
| Net interest income | $8,686,000 | 2,600 |
| Provision for loan and lease losses | $210,000 | 3,430 |
| Total noninterest income | $1,439,000 | 2,782 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,254,000 | 1,429 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $185,000 | 5,265 |
| Total noninterest expense | $5,566,000 | 3,056 |
| Salaries and employee benefits | $2,681,000 | 3,440 |
| Premises and equipment expense | $820,000 | 2,936 |
| Additional noninterest expense | $2,065,000 | 2,502 |
| Pre-tax net operating income | $4,349,000 | 2,107 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,757,000 | 1,468 |
| Income before extraordinary items | $2,592,000 | 2,539 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,592,000 | 2,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,765 |
| Cash dividends | $402,000 | 4,036 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 919 |
| Net operating income | $2,592,000 | 2,518 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,247,000 | 3,291 |
| Total interest expense | $1,869,000 | 4,741 |
| Net interest income | $6,378,000 | 2,667 |
| Provision for loan and lease losses | $130,000 | 3,706 |
| Total noninterest income | $1,114,000 | 2,730 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $969,000 | 1,386 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $145,000 | 5,203 |
| Total noninterest expense | $4,048,000 | 3,137 |
| Salaries and employee benefits | $1,918,000 | 3,552 |
| Premises and equipment expense | $596,000 | 3,020 |
| Additional noninterest expense | $1,534,000 | 2,501 |
| Pre-tax net operating income | $3,314,000 | 2,151 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,343,000 | 1,513 |
| Income before extraordinary items | $1,971,000 | 2,593 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,971,000 | 2,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,547 |
| Cash dividends | $402,000 | 3,236 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 804 |
| Net operating income | $1,971,000 | 2,581 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,261,000 | 3,365 |
| Total interest expense | $1,133,000 | 4,898 |
| Net interest income | $4,128,000 | 2,721 |
| Provision for loan and lease losses | $80,000 | 3,718 |
| Total noninterest income | $785,000 | 2,628 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $684,000 | 1,293 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $101,000 | 5,108 |
| Total noninterest expense | $2,657,000 | 3,185 |
| Salaries and employee benefits | $1,242,000 | 3,641 |
| Premises and equipment expense | $392,000 | 3,049 |
| Additional noninterest expense | $1,023,000 | 2,503 |
| Pre-tax net operating income | $2,176,000 | 2,171 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $880,000 | 1,539 |
| Income before extraordinary items | $1,296,000 | 2,624 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,296,000 | 2,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $402,000 | 2,677 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 773 |
| Net operating income | $1,296,000 | 2,611 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,509,000 | 3,433 |
| Total interest expense | $466,000 | 5,309 |
| Net interest income | $2,043,000 | 2,735 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $396,000 | 2,559 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $343,000 | 1,255 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,003 |
| Total noninterest expense | $1,309,000 | 3,241 |
| Salaries and employee benefits | $611,000 | 3,709 |
| Premises and equipment expense | $179,000 | 3,284 |
| Additional noninterest expense | $519,000 | 2,465 |
| Pre-tax net operating income | $1,110,000 | 2,106 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $447,000 | 1,519 |
| Income before extraordinary items | $663,000 | 2,543 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $663,000 | 2,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $402,000 | 1,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $663,000 | 2,525 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,429,000 | 3,604 |
| Total interest expense | $1,374,000 | 5,471 |
| Net interest income | $7,055,000 | 3,024 |
| Provision for loan and lease losses | $200,000 | 3,577 |
| Total noninterest income | $1,531,000 | 2,653 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,350,000 | 1,311 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $181,000 | 5,362 |
| Total noninterest expense | $4,765,000 | 3,372 |
| Salaries and employee benefits | $2,104,000 | 3,977 |
| Premises and equipment expense | $765,000 | 3,011 |
| Additional noninterest expense | $1,896,000 | 2,619 |
| Pre-tax net operating income | $3,621,000 | 2,398 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,463,000 | 1,727 |
| Income before extraordinary items | $2,158,000 | 2,900 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,158,000 | 2,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,898 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,862,000 | 411 |
| Net operating income | $2,158,000 | 2,870 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,986,000 | 3,718 |
| Total interest expense | $964,000 | 5,539 |
| Net interest income | $5,022,000 | 3,133 |
| Provision for loan and lease losses | $185,000 | 3,084 |
| Total noninterest income | $1,133,000 | 2,687 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $996,000 | 1,320 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 5,359 |
| Total noninterest expense | $3,537,000 | 3,369 |
| Salaries and employee benefits | $1,567,000 | 3,960 |
| Premises and equipment expense | $574,000 | 2,996 |
| Additional noninterest expense | $1,396,000 | 2,631 |
| Pre-tax net operating income | $2,433,000 | 2,624 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $972,000 | 1,920 |
| Income before extraordinary items | $1,461,000 | 3,195 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,461,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,184 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $838,000 | 366 |
| Net operating income | $1,461,000 | 3,156 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,745,000 | 3,819 |
| Total interest expense | $562,000 | 5,741 |
| Net interest income | $3,183,000 | 3,238 |
| Provision for loan and lease losses | $135,000 | 2,835 |
| Total noninterest income | $757,000 | 2,639 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $664,000 | 1,291 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $93,000 | 5,327 |
| Total noninterest expense | $2,333,000 | 3,374 |
| Salaries and employee benefits | $1,049,000 | 3,933 |
| Premises and equipment expense | $377,000 | 3,002 |
| Additional noninterest expense | $907,000 | 2,679 |
| Pre-tax net operating income | $1,472,000 | 2,803 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $586,000 | 2,043 |
| Income before extraordinary items | $886,000 | 3,399 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $886,000 | 3,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 452 |
| Net operating income | $886,000 | 3,348 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,762,000 | 3,983 |
| Total interest expense | $248,000 | 5,985 |
| Net interest income | $1,514,000 | 3,383 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $385,000 | 2,562 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $332,000 | 1,236 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $53,000 | 5,055 |
| Total noninterest expense | $1,155,000 | 3,418 |
| Salaries and employee benefits | $541,000 | 3,853 |
| Premises and equipment expense | $189,000 | 3,019 |
| Additional noninterest expense | $425,000 | 2,861 |
| Pre-tax net operating income | $684,000 | 2,908 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $271,000 | 2,138 |
| Income before extraordinary items | $413,000 | 3,546 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $413,000 | 3,547 |
| 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 | $21,000 | 388 |
| Net operating income | $413,000 | 3,508 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,765,000 | 4,390 |
| Total interest expense | $639,000 | 6,814 |
| Net interest income | $5,126,000 | 3,741 |
| Provision for loan and lease losses | $267,000 | 3,133 |
| Total noninterest income | $1,383,000 | 2,839 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,207,000 | 1,456 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $176,000 | 5,370 |
| Total noninterest expense | $4,238,000 | 3,572 |
| Salaries and employee benefits | $1,809,000 | 4,325 |
| Premises and equipment expense | $709,000 | 3,100 |
| Additional noninterest expense | $1,720,000 | 2,774 |
| Pre-tax net operating income | $2,004,000 | 3,498 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $775,000 | 2,580 |
| Income before extraordinary items | $1,229,000 | 4,148 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,229,000 | 4,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,591 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $415,000 | 491 |
| Net operating income | $1,229,000 | 4,071 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,127,000 | 4,518 |
| Total interest expense | $431,000 | 7,042 |
| Net interest income | $3,696,000 | 3,837 |
| Provision for loan and lease losses | $145,000 | 3,592 |
| Total noninterest income | $1,020,000 | 2,885 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $881,000 | 1,512 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $139,000 | 5,282 |
| Total noninterest expense | $3,203,000 | 3,523 |
| Salaries and employee benefits | $1,415,000 | 4,138 |
| Premises and equipment expense | $518,000 | 3,156 |
| Additional noninterest expense | $1,270,000 | 2,767 |
| Pre-tax net operating income | $1,368,000 | 3,819 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $523,000 | 2,825 |
| Income before extraordinary items | $845,000 | 4,463 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $845,000 | 4,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 3,750 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $344,000 | 390 |
| Net operating income | $845,000 | 4,383 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 4,685 |
| Total interest expense | $257,000 | 7,334 |
| Net interest income | $2,356,000 | 3,957 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $670,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $571,000 | 1,540 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $99,000 | 5,168 |
| Total noninterest expense | $2,102,000 | 3,599 |
| Salaries and employee benefits | $945,000 | 4,150 |
| Premises and equipment expense | $324,000 | 3,334 |
| Additional noninterest expense | $833,000 | 2,829 |
| Pre-tax net operating income | $824,000 | 4,032 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $321,000 | 2,962 |
| Income before extraordinary items | $503,000 | 4,723 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $503,000 | 4,724 |
| 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 | $330,000 | 295 |
| Net operating income | $503,000 | 4,632 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,247,000 | 4,873 |
| Total interest expense | $118,000 | 7,567 |
| Net interest income | $1,129,000 | 4,100 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $304,000 | 3,074 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $264,000 | 1,615 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $40,000 | 5,560 |
| Total noninterest expense | $1,066,000 | 3,579 |
| Salaries and employee benefits | $491,000 | 4,068 |
| Premises and equipment expense | $163,000 | 3,352 |
| Additional noninterest expense | $412,000 | 2,828 |
| Pre-tax net operating income | $337,000 | 4,535 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $131,000 | 3,339 |
| Income before extraordinary items | $206,000 | 5,263 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $206,000 | 5,262 |
| 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 | $307,000 | 180 |
| Net operating income | $206,000 | 5,144 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,377,000 | 5,337 |
| Total interest expense | $523,000 | 7,665 |
| Net interest income | $3,854,000 | 4,477 |
| Provision for loan and lease losses | $165,000 | 4,406 |
| Total noninterest income | $984,000 | 3,759 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $906,000 | 1,903 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $78,000 | 6,928 |
| Total noninterest expense | $3,100,000 | 4,507 |
| Salaries and employee benefits | $1,364,000 | 5,177 |
| Premises and equipment expense | $439,000 | 4,436 |
| Additional noninterest expense | $1,297,000 | 3,496 |
| Pre-tax net operating income | $1,573,000 | 4,006 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $537,000 | 3,259 |
| Income before extraordinary items | $1,036,000 | 4,548 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,036,000 | 4,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 814 |
| Net operating income | $1,036,000 | 4,374 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,115,000 | 5,567 |
| Total interest expense | $383,000 | 7,844 |
| Net interest income | $2,732,000 | 4,682 |
| Provision for loan and lease losses | $125,000 | 4,278 |
| Total noninterest income | $683,000 | 3,996 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $632,000 | 2,044 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 7,188 |
| Total noninterest expense | $2,211,000 | 4,638 |
| Salaries and employee benefits | $979,000 | 5,323 |
| Premises and equipment expense | $312,000 | 4,591 |
| Additional noninterest expense | $920,000 | 3,647 |
| Pre-tax net operating income | $1,079,000 | 4,350 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $330,000 | 3,751 |
| Income before extraordinary items | $749,000 | 4,774 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $749,000 | 4,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 665 |
| Net operating income | $749,000 | 4,587 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 5,804 |
| Total interest expense | $247,000 | 8,032 |
| Net interest income | $1,719,000 | 4,862 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $447,000 | 3,994 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $415,000 | 2,026 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $32,000 | 7,239 |
| Total noninterest expense | $1,464,000 | 4,670 |
| Salaries and employee benefits | $659,000 | 5,302 |
| Premises and equipment expense | $203,000 | 4,657 |
| Additional noninterest expense | $602,000 | 3,689 |
| Pre-tax net operating income | $622,000 | 4,732 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $139,000 | 4,626 |
| Income before extraordinary items | $483,000 | 4,892 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $483,000 | 4,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 569 |
| Net operating income | $483,000 | 4,669 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $919,000 | 6,033 |
| Total interest expense | $109,000 | 8,312 |
| Net interest income | $810,000 | 5,053 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $209,000 | 4,050 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $197,000 | 2,048 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $724,000 | 4,686 |
| Salaries and employee benefits | $335,000 | 5,248 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $289,000 | 3,765 |
| Pre-tax net operating income | $265,000 | 5,122 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $265,000 | 4,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 4,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $265,000 | 4,365 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,184,000 | 6,662 |
| Total interest expense | $503,000 | 8,372 |
| Net interest income | $2,681,000 | 5,678 |
| Provision for loan and lease losses | $235,000 | 4,028 |
| Total noninterest income | $710,000 | 4,298 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $675,000 | 2,318 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $35,000 | 8,031 |
| Total noninterest expense | $2,520,000 | 5,056 |
| Salaries and employee benefits | $1,055,000 | 5,939 |
| Premises and equipment expense | $403,000 | 4,629 |
| Additional noninterest expense | $1,062,000 | 3,982 |
| Pre-tax net operating income | $636,000 | 6,306 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $636,000 | 5,815 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $636,000 | 5,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $4,232,000 | 183 |
| Net operating income | $636,000 | 5,688 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,824,000 | 8,397 |
| Total interest expense | $387,000 | 9,177 |
| Net interest income | $1,437,000 | 7,438 |
| Provision for loan and lease losses | $365,000 | 2,800 |
| Total noninterest income | $370,000 | 5,886 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $345,000 | 3,802 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $25,000 | 8,525 |
| Total noninterest expense | $1,965,000 | 5,803 |
| Salaries and employee benefits | $805,000 | 6,747 |
| Premises and equipment expense | $346,000 | 5,065 |
| Additional noninterest expense | $814,000 | 4,721 |
| Pre-tax net operating income | $-523,000 | 9,180 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,000 | 7,858 |
| Income before extraordinary items | $-524,000 | 9,246 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-524,000 | 9,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-524,000 | 9,209 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $69,000 | 9,872 |
| Total interest expense | $28,000 | 9,804 |
| Net interest income | $41,000 | 9,876 |
| Provision for loan and lease losses | $20,000 | 7,595 |
| Total noninterest income | $52,000 | 9,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 8,577 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 7,773 |
| Total noninterest expense | $485,000 | 9,429 |
| Salaries and employee benefits | $131,000 | 9,789 |
| Premises and equipment expense | $69,000 | 9,003 |
| Additional noninterest expense | $285,000 | 8,064 |
| Pre-tax net operating income | $-412,000 | 9,487 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-412,000 | 9,523 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-412,000 | 9,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $6,055,000 | 159 |
| Net operating income | $-412,000 | 9,524 |
* 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.