Home > Pacific International Bank > Income and Expense
Pacific International Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,533,000 | 2,677 |
| Total interest expense | $1,937,000 | 2,187 |
| Net interest income | $7,596,000 | 2,779 |
| Provision for loan and lease losses | $5,196,000 | 488 |
| Total noninterest income | $1,165,000 | 3,015 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $278,000 | 3,636 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $887,000 | 2,531 |
| Total noninterest expense | $8,851,000 | 2,150 |
| Salaries and employee benefits | $3,476,000 | 2,805 |
| Premises and equipment expense | $619,000 | 3,305 |
| Additional noninterest expense | $4,756,000 | 1,427 |
| Pre-tax net operating income | $-5,286,000 | 6,962 |
| Securities gains (losses) | $121,000 | 2,115 |
| Applicable income taxes | $48,000 | 3,912 |
| Income before extraordinary items | $-5,213,000 | 6,970 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,213,000 | 6,969 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-5,213,000 | 6,969 |
| Net charge-offs | $6,045,000 | 498 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 830 |
| Net operating income | $-5,334,000 | 6,959 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,426,000 | 2,645 |
| Total interest expense | $1,520,000 | 2,193 |
| Net interest income | $5,906,000 | 2,745 |
| Provision for loan and lease losses | $4,696,000 | 428 |
| Total noninterest income | $980,000 | 2,830 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $215,000 | 3,610 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $765,000 | 2,329 |
| Total noninterest expense | $6,798,000 | 2,117 |
| Salaries and employee benefits | $2,653,000 | 2,774 |
| Premises and equipment expense | $454,000 | 3,409 |
| Additional noninterest expense | $3,691,000 | 1,376 |
| Pre-tax net operating income | $-4,608,000 | 7,082 |
| Securities gains (losses) | $121,000 | 1,836 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-4,487,000 | 7,092 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-4,487,000 | 7,092 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-4,487,000 | 7,092 |
| Net charge-offs | $5,220,000 | 445 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 786 |
| Net operating income | $-4,608,000 | 7,084 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,149,000 | 2,562 |
| Total interest expense | $1,050,000 | 2,198 |
| Net interest income | $4,099,000 | 2,659 |
| Provision for loan and lease losses | $4,170,000 | 347 |
| Total noninterest income | $666,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $151,000 | 3,493 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $515,000 | 2,289 |
| Total noninterest expense | $4,634,000 | 2,068 |
| Salaries and employee benefits | $1,760,000 | 2,790 |
| Premises and equipment expense | $303,000 | 3,419 |
| Additional noninterest expense | $2,571,000 | 1,320 |
| Pre-tax net operating income | $-4,039,000 | 7,169 |
| Securities gains (losses) | $121,000 | 1,458 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-3,918,000 | 7,173 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,918,000 | 7,173 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-3,918,000 | 7,173 |
| Net charge-offs | $4,319,000 | 373 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 759 |
| Net operating income | $-4,039,000 | 7,169 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,680,000 | 2,502 |
| Total interest expense | $545,000 | 2,194 |
| Net interest income | $2,135,000 | 2,560 |
| Provision for loan and lease losses | $3,170,000 | 240 |
| Total noninterest income | $344,000 | 2,705 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $77,000 | 3,452 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $267,000 | 2,251 |
| Total noninterest expense | $2,136,000 | 2,230 |
| Salaries and employee benefits | $879,000 | 2,801 |
| Premises and equipment expense | $159,000 | 3,310 |
| Additional noninterest expense | $1,098,000 | 1,531 |
| Pre-tax net operating income | $-2,827,000 | 7,264 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-2,827,000 | 7,264 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,827,000 | 7,264 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-2,827,000 | 7,264 |
| Net charge-offs | $3,021,000 | 284 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 688 |
| Net operating income | $-2,827,000 | 7,263 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,901,000 | 2,336 |
| Total interest expense | $3,415,000 | 1,738 |
| Net interest income | $8,486,000 | 2,577 |
| Provision for loan and lease losses | $8,477,000 | 487 |
| Total noninterest income | $5,407,000 | 974 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $383,000 | 3,121 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $5,024,000 | 696 |
| Total noninterest expense | $8,395,000 | 2,264 |
| Salaries and employee benefits | $3,574,000 | 2,699 |
| Premises and equipment expense | $644,000 | 3,392 |
| Additional noninterest expense | $4,177,000 | 1,641 |
| Pre-tax net operating income | $-2,979,000 | 6,913 |
| Securities gains (losses) | $-31,000 | 6,964 |
| Applicable income taxes | $646,000 | 1,772 |
| Income before extraordinary items | $-3,656,000 | 6,999 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,656,000 | 7,000 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,656,000 | 7,000 |
| Net charge-offs | $10,840,000 | 420 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 919 |
| Net operating income | $-3,625,000 | 6,981 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,321,000 | 2,272 |
| Total interest expense | $2,793,000 | 1,679 |
| Net interest income | $6,528,000 | 2,542 |
| Provision for loan and lease losses | $4,739,000 | 649 |
| Total noninterest income | $4,817,000 | 867 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $296,000 | 3,068 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $4,521,000 | 628 |
| Total noninterest expense | $5,938,000 | 2,404 |
| Salaries and employee benefits | $2,722,000 | 2,652 |
| Premises and equipment expense | $469,000 | 3,508 |
| Additional noninterest expense | $2,747,000 | 1,850 |
| Pre-tax net operating income | $668,000 | 4,055 |
| Securities gains (losses) | $-32,000 | 7,105 |
| Applicable income taxes | $340,000 | 2,132 |
| Income before extraordinary items | $296,000 | 5,074 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $296,000 | 5,076 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $296,000 | 5,076 |
| Net charge-offs | $7,351,000 | 454 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 864 |
| Net operating income | $316,480 | 4,868 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,453,000 | 2,210 |
| Total interest expense | $1,947,000 | 1,672 |
| Net interest income | $4,506,000 | 2,442 |
| Provision for loan and lease losses | $3,614,000 | 586 |
| Total noninterest income | $2,912,000 | 944 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $201,000 | 3,006 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,711,000 | 669 |
| Total noninterest expense | $3,896,000 | 2,454 |
| Salaries and employee benefits | $1,827,000 | 2,642 |
| Premises and equipment expense | $294,000 | 3,698 |
| Additional noninterest expense | $1,775,000 | 1,922 |
| Pre-tax net operating income | $-92,000 | 6,406 |
| Securities gains (losses) | $-32,000 | 7,183 |
| Applicable income taxes | $74,000 | 3,094 |
| Income before extraordinary items | $-198,000 | 6,626 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-198,000 | 6,626 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-198,000 | 6,626 |
| Net charge-offs | $5,796,000 | 409 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 810 |
| Net operating income | $-166,000 | 6,551 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,244,000 | 2,206 |
| Total interest expense | $996,000 | 1,692 |
| Net interest income | $2,248,000 | 2,444 |
| Provision for loan and lease losses | $1,800,000 | 559 |
| Total noninterest income | $1,370,000 | 980 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $104,000 | 2,899 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,266,000 | 702 |
| Total noninterest expense | $1,998,000 | 2,421 |
| Salaries and employee benefits | $857,000 | 2,825 |
| Premises and equipment expense | $141,000 | 3,865 |
| Additional noninterest expense | $1,000,000 | 1,713 |
| Pre-tax net operating income | $-180,000 | 6,807 |
| Securities gains (losses) | $-8,000 | 7,147 |
| Applicable income taxes | $-69,000 | 7,234 |
| Income before extraordinary items | $-119,000 | 6,753 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-119,000 | 6,752 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-119,000 | 6,753 |
| Net charge-offs | $2,964,000 | 405 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 762 |
| Net operating income | $-113,880 | 6,737 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $14,923,000 | 2,022 |
| Total interest expense | $5,078,000 | 1,639 |
| Net interest income | $9,845,000 | 2,233 |
| Provision for loan and lease losses | $4,994,000 | 1,150 |
| Total noninterest income | $2,232,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $430,000 | 2,939 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,802,000 | 1,509 |
| Total noninterest expense | $6,728,000 | 2,817 |
| Salaries and employee benefits | $3,208,000 | 2,947 |
| Premises and equipment expense | $615,000 | 3,658 |
| Additional noninterest expense | $2,905,000 | 2,341 |
| Pre-tax net operating income | $355,000 | 4,747 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $120,000 | 3,088 |
| Income before extraordinary items | $235,000 | 5,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $235,000 | 5,166 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $235,000 | 5,166 |
| Net charge-offs | $3,697,000 | 1,287 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 858 |
| Net operating income | $235,000 | 5,020 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,481,000 | 2,019 |
| Total interest expense | $3,960,000 | 1,641 |
| Net interest income | $7,521,000 | 2,211 |
| Provision for loan and lease losses | $2,976,000 | 1,275 |
| Total noninterest income | $1,531,000 | 2,062 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $325,000 | 2,990 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,206,000 | 1,591 |
| Total noninterest expense | $4,750,000 | 2,968 |
| Salaries and employee benefits | $2,279,000 | 3,100 |
| Premises and equipment expense | $467,000 | 3,677 |
| Additional noninterest expense | $2,004,000 | 2,475 |
| Pre-tax net operating income | $1,326,000 | 2,603 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $451,000 | 1,766 |
| Income before extraordinary items | $875,000 | 3,131 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $875,000 | 3,129 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $875,000 | 3,131 |
| Net charge-offs | $2,299,000 | 1,376 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 820 |
| Net operating income | $875,000 | 3,006 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,698,000 | 2,030 |
| Total interest expense | $2,703,000 | 1,667 |
| Net interest income | $4,995,000 | 2,220 |
| Provision for loan and lease losses | $1,578,000 | 1,470 |
| Total noninterest income | $463,000 | 3,362 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $217,000 | 2,999 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $246,000 | 3,148 |
| Total noninterest expense | $3,079,000 | 3,042 |
| Salaries and employee benefits | $1,489,000 | 3,166 |
| Premises and equipment expense | $300,000 | 3,794 |
| Additional noninterest expense | $1,290,000 | 2,560 |
| Pre-tax net operating income | $801,000 | 2,795 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $245,000 | 1,936 |
| Income before extraordinary items | $556,000 | 3,210 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $556,000 | 3,205 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $556,000 | 3,208 |
| Net charge-offs | $2,203,000 | 1,057 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 754 |
| Net operating income | $556,000 | 3,104 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,895,000 | 2,051 |
| Total interest expense | $1,442,000 | 1,634 |
| Net interest income | $2,453,000 | 2,294 |
| Provision for loan and lease losses | $745,000 | 1,421 |
| Total noninterest income | $280,000 | 3,008 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $106,000 | 3,042 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $174,000 | 2,598 |
| Total noninterest expense | $1,541,000 | 3,088 |
| Salaries and employee benefits | $753,000 | 3,176 |
| Premises and equipment expense | $151,000 | 3,870 |
| Additional noninterest expense | $637,000 | 2,570 |
| Pre-tax net operating income | $447,000 | 2,621 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $151,000 | 1,729 |
| Income before extraordinary items | $296,000 | 3,158 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $296,000 | 3,155 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $296,000 | 3,158 |
| Net charge-offs | $1,438,000 | 810 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 699 |
| Net operating income | $296,000 | 3,046 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,566,000 | 2,164 |
| Total interest expense | $7,007,000 | 1,685 |
| Net interest income | $8,559,000 | 2,531 |
| Provision for loan and lease losses | $6,950,000 | 1,130 |
| Total noninterest income | $3,439,000 | 1,465 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $553,000 | 2,682 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,886,000 | 1,075 |
| Total noninterest expense | $6,745,000 | 2,883 |
| Salaries and employee benefits | $3,074,000 | 3,103 |
| Premises and equipment expense | $686,000 | 3,518 |
| Additional noninterest expense | $2,985,000 | 2,354 |
| Pre-tax net operating income | $-1,697,000 | 6,530 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-592,000 | 7,103 |
| Income before extraordinary items | $-1,105,000 | 6,405 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,105,000 | 6,406 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,105,000 | 6,406 |
| Net charge-offs | $3,621,000 | 1,430 |
| Cash dividends | $1,710,000 | 1,056 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 1,006 |
| Net operating income | $-1,105,000 | 6,409 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,520,000 | 2,211 |
| Total interest expense | $5,439,000 | 1,712 |
| Net interest income | $6,081,000 | 2,694 |
| Provision for loan and lease losses | $2,423,000 | 1,697 |
| Total noninterest income | $1,370,000 | 2,313 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $414,000 | 2,698 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $956,000 | 1,883 |
| Total noninterest expense | $4,723,000 | 3,071 |
| Salaries and employee benefits | $2,145,000 | 3,350 |
| Premises and equipment expense | $513,000 | 3,552 |
| Additional noninterest expense | $2,065,000 | 2,503 |
| Pre-tax net operating income | $305,000 | 4,511 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $95,000 | 2,910 |
| Income before extraordinary items | $210,000 | 4,801 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $210,000 | 4,802 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $210,000 | 4,802 |
| Net charge-offs | $1,006,000 | 2,198 |
| Cash dividends | $1,710,000 | 752 |
| Sale, conversion, retirement of capital stock, net | $-60,000 | 8,035 |
| Net operating income | $210,000 | 4,733 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,577,000 | 2,272 |
| Total interest expense | $3,724,000 | 1,742 |
| Net interest income | $3,853,000 | 2,818 |
| Provision for loan and lease losses | $1,273,000 | 1,790 |
| Total noninterest income | $576,000 | 3,113 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $270,000 | 2,715 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $306,000 | 2,974 |
| Total noninterest expense | $3,063,000 | 3,171 |
| Salaries and employee benefits | $1,423,000 | 3,386 |
| Premises and equipment expense | $341,000 | 3,594 |
| Additional noninterest expense | $1,299,000 | 2,643 |
| Pre-tax net operating income | $93,000 | 5,269 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $26,000 | 3,570 |
| Income before extraordinary items | $67,000 | 5,451 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 5,447 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $67,000 | 5,447 |
| Net charge-offs | $358,000 | 2,730 |
| Cash dividends | $1,710,000 | 522 |
| Sale, conversion, retirement of capital stock, net | $-60,000 | 8,145 |
| Net operating income | $67,000 | 5,366 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 2,311 |
| Total interest expense | $1,872,000 | 1,795 |
| Net interest income | $1,901,000 | 2,831 |
| Provision for loan and lease losses | $506,000 | 1,751 |
| Total noninterest income | $277,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $134,000 | 2,678 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $143,000 | 3,046 |
| Total noninterest expense | $1,598,000 | 2,970 |
| Salaries and employee benefits | $791,000 | 3,126 |
| Premises and equipment expense | $179,000 | 3,512 |
| Additional noninterest expense | $628,000 | 2,464 |
| Pre-tax net operating income | $74,000 | 5,329 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $21,000 | 3,530 |
| Income before extraordinary items | $53,000 | 5,631 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $53,000 | 5,634 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $53,000 | 5,634 |
| Net charge-offs | $259,000 | 1,919 |
| Cash dividends | $627,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 575 |
| Net operating income | $53,000 | 5,464 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,444,000 | 2,174 |
| Total interest expense | $8,321,000 | 1,894 |
| Net interest income | $9,123,000 | 2,393 |
| Provision for loan and lease losses | $1,442,000 | 2,215 |
| Total noninterest income | $2,549,000 | 1,777 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $406,000 | 3,431 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,143,000 | 1,239 |
| Total noninterest expense | $6,703,000 | 2,785 |
| Salaries and employee benefits | $3,447,000 | 2,872 |
| Premises and equipment expense | $607,000 | 3,902 |
| Additional noninterest expense | $2,649,000 | 2,238 |
| Pre-tax net operating income | $3,527,000 | 1,548 |
| Securities gains (losses) | $26,000 | 2,023 |
| Applicable income taxes | $1,258,000 | 995 |
| Income before extraordinary items | $2,295,000 | 1,732 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,295,000 | 1,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 3,260 |
| Cash dividends | $2,912,000 | 941 |
| Sale, conversion, retirement of capital stock, net | $6,620,000 | 204 |
| Net operating income | $2,278,100 | 1,873 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,500,000 | 2,160 |
| Total interest expense | $6,345,000 | 1,942 |
| Net interest income | $7,155,000 | 2,322 |
| Provision for loan and lease losses | $898,000 | 1,965 |
| Total noninterest income | $1,286,000 | 2,464 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $281,000 | 3,611 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,005,000 | 1,810 |
| Total noninterest expense | $4,883,000 | 2,827 |
| Salaries and employee benefits | $2,595,000 | 2,874 |
| Premises and equipment expense | $452,000 | 3,930 |
| Additional noninterest expense | $1,836,000 | 2,322 |
| Pre-tax net operating income | $2,660,000 | 1,831 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $899,000 | 1,258 |
| Income before extraordinary items | $1,761,000 | 2,006 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,761,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 3,142 |
| Cash dividends | $1,297,000 | 1,500 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 777 |
| Net operating income | $1,761,000 | 2,104 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,928,000 | 2,202 |
| Total interest expense | $4,463,000 | 1,930 |
| Net interest income | $4,465,000 | 2,449 |
| Provision for loan and lease losses | $691,000 | 1,548 |
| Total noninterest income | $823,000 | 2,572 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $180,000 | 3,694 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $643,000 | 1,911 |
| Total noninterest expense | $3,088,000 | 2,975 |
| Salaries and employee benefits | $1,626,000 | 3,088 |
| Premises and equipment expense | $290,000 | 4,062 |
| Additional noninterest expense | $1,172,000 | 2,398 |
| Pre-tax net operating income | $1,509,000 | 2,186 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $510,000 | 1,579 |
| Income before extraordinary items | $999,000 | 2,570 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $999,000 | 2,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,059 |
| Cash dividends | $1,198,000 | 1,223 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 692 |
| Net operating income | $999,000 | 2,530 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,516,000 | 2,231 |
| Total interest expense | $2,425,000 | 1,912 |
| Net interest income | $2,091,000 | 2,607 |
| Provision for loan and lease losses | $346,000 | 1,264 |
| Total noninterest income | $210,000 | 3,907 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $90,000 | 3,657 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $120,000 | 3,442 |
| Total noninterest expense | $1,369,000 | 3,323 |
| Salaries and employee benefits | $826,000 | 3,074 |
| Premises and equipment expense | $142,000 | 4,150 |
| Additional noninterest expense | $401,000 | 3,305 |
| Pre-tax net operating income | $586,000 | 2,755 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $197,000 | 1,989 |
| Income before extraordinary items | $389,000 | 3,250 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $389,000 | 3,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,745 |
| Cash dividends | $1,099,000 | 687 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 548 |
| Net operating income | $389,000 | 3,173 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,951,000 | 2,169 |
| Total interest expense | $9,480,000 | 2,021 |
| Net interest income | $9,471,000 | 2,348 |
| Provision for loan and lease losses | $485,000 | 2,367 |
| Total noninterest income | $1,202,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $331,000 | 3,881 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $871,000 | 2,428 |
| Total noninterest expense | $5,212,000 | 3,339 |
| Salaries and employee benefits | $3,105,000 | 3,134 |
| Premises and equipment expense | $536,000 | 4,162 |
| Additional noninterest expense | $1,571,000 | 3,289 |
| Pre-tax net operating income | $4,976,000 | 1,647 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,773,000 | 1,248 |
| Income before extraordinary items | $3,203,000 | 1,933 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,203,000 | 1,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,180 |
| Cash dividends | $896,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $181,000 | 781 |
| Net operating income | $3,203,000 | 1,920 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,262,000 | 2,174 |
| Total interest expense | $6,998,000 | 2,045 |
| Net interest income | $7,264,000 | 2,318 |
| Provision for loan and lease losses | $336,000 | 2,149 |
| Total noninterest income | $779,000 | 3,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $238,000 | 3,975 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $541,000 | 2,711 |
| Total noninterest expense | $3,834,000 | 3,365 |
| Salaries and employee benefits | $2,328,000 | 3,116 |
| Premises and equipment expense | $431,000 | 3,947 |
| Additional noninterest expense | $1,075,000 | 3,499 |
| Pre-tax net operating income | $3,873,000 | 1,720 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,302,000 | 1,359 |
| Income before extraordinary items | $2,571,000 | 1,961 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,571,000 | 1,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,382 |
| Cash dividends | $297,000 | 3,677 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 644 |
| Net operating income | $2,571,000 | 1,947 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,403,000 | 2,214 |
| Total interest expense | $4,565,000 | 2,085 |
| Net interest income | $4,838,000 | 2,344 |
| Provision for loan and lease losses | $249,000 | 1,826 |
| Total noninterest income | $560,000 | 3,314 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $155,000 | 4,025 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $405,000 | 2,554 |
| Total noninterest expense | $2,510,000 | 3,428 |
| Salaries and employee benefits | $1,561,000 | 3,134 |
| Premises and equipment expense | $282,000 | 4,020 |
| Additional noninterest expense | $667,000 | 3,694 |
| Pre-tax net operating income | $2,639,000 | 1,731 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $886,000 | 1,395 |
| Income before extraordinary items | $1,753,000 | 1,960 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,753,000 | 1,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,314 |
| Cash dividends | $198,000 | 3,706 |
| Sale, conversion, retirement of capital stock, net | $118,000 | 572 |
| Net operating income | $1,753,000 | 1,941 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,487,000 | 2,319 |
| Total interest expense | $2,217,000 | 2,131 |
| Net interest income | $2,270,000 | 2,483 |
| Provision for loan and lease losses | $97,000 | 2,082 |
| Total noninterest income | $210,000 | 3,905 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $78,000 | 3,968 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $132,000 | 3,238 |
| Total noninterest expense | $1,221,000 | 3,525 |
| Salaries and employee benefits | $787,000 | 3,129 |
| Premises and equipment expense | $133,000 | 4,204 |
| Additional noninterest expense | $301,000 | 3,963 |
| Pre-tax net operating income | $1,162,000 | 1,916 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $388,000 | 1,560 |
| Income before extraordinary items | $774,000 | 2,125 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $774,000 | 2,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,992 |
| Cash dividends | $99,000 | 3,184 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 397 |
| Net operating income | $774,000 | 2,116 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,263,000 | 2,834 |
| Total interest expense | $5,773,000 | 2,674 |
| Net interest income | $7,490,000 | 2,924 |
| Provision for loan and lease losses | $750,000 | 1,331 |
| Total noninterest income | $1,711,000 | 2,469 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $221,000 | 4,783 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,490,000 | 1,675 |
| Total noninterest expense | $4,354,000 | 3,725 |
| Salaries and employee benefits | $2,648,000 | 3,464 |
| Premises and equipment expense | $455,000 | 4,531 |
| Additional noninterest expense | $1,251,000 | 3,814 |
| Pre-tax net operating income | $4,097,000 | 2,223 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,385,000 | 1,783 |
| Income before extraordinary items | $2,712,000 | 2,448 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,712,000 | 2,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,321 |
| Cash dividends | $445,000 | 3,921 |
| Sale, conversion, retirement of capital stock, net | $5,761,000 | 296 |
| Net operating income | $2,712,000 | 2,430 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,277,000 | 2,982 |
| Total interest expense | $3,908,000 | 2,834 |
| Net interest income | $5,369,000 | 3,075 |
| Provision for loan and lease losses | $507,000 | 1,373 |
| Total noninterest income | $1,318,000 | 2,449 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $198,000 | 4,413 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,120,000 | 1,669 |
| Total noninterest expense | $3,325,000 | 3,669 |
| Salaries and employee benefits | $2,008,000 | 3,438 |
| Premises and equipment expense | $342,000 | 4,527 |
| Additional noninterest expense | $975,000 | 3,673 |
| Pre-tax net operating income | $2,855,000 | 2,414 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $963,000 | 1,932 |
| Income before extraordinary items | $1,892,000 | 2,694 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,892,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $4,558,000 | 250 |
| Net operating income | $1,892,000 | 2,676 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,756,000 | 3,133 |
| Total interest expense | $2,346,000 | 2,983 |
| Net interest income | $3,410,000 | 3,202 |
| Provision for loan and lease losses | $367,000 | 1,246 |
| Total noninterest income | $1,080,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $126,000 | 4,497 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $954,000 | 1,397 |
| Total noninterest expense | $2,241,000 | 3,652 |
| Salaries and employee benefits | $1,362,000 | 3,397 |
| Premises and equipment expense | $212,000 | 4,755 |
| Additional noninterest expense | $667,000 | 3,623 |
| Pre-tax net operating income | $1,882,000 | 2,426 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $633,000 | 1,982 |
| Income before extraordinary items | $1,249,000 | 2,705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,249,000 | 2,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,249,000 | 2,691 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,607,000 | 3,330 |
| Total interest expense | $1,030,000 | 3,186 |
| Net interest income | $1,577,000 | 3,400 |
| Provision for loan and lease losses | $240,000 | 964 |
| Total noninterest income | $575,000 | 1,994 |
| 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 | $518,000 | 1,314 |
| Total noninterest expense | $1,145,000 | 3,608 |
| Salaries and employee benefits | $581,000 | 3,854 |
| Premises and equipment expense | $71,000 | 5,930 |
| Additional noninterest expense | $493,000 | 2,571 |
| Pre-tax net operating income | $767,000 | 2,791 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $236,000 | 2,360 |
| Income before extraordinary items | $531,000 | 3,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $531,000 | 3,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $531,000 | 3,000 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 3,831 |
| Total interest expense | $2,874,000 | 3,461 |
| Net interest income | $4,900,000 | 4,008 |
| Provision for loan and lease losses | $328,000 | 2,652 |
| Total noninterest income | $1,358,000 | 2,870 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $162,000 | 5,470 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,196,000 | 1,969 |
| Total noninterest expense | $3,254,000 | 4,518 |
| Salaries and employee benefits | $1,808,000 | 4,465 |
| Premises and equipment expense | $219,000 | 6,533 |
| Additional noninterest expense | $1,227,000 | 3,807 |
| Pre-tax net operating income | $2,676,000 | 3,022 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $628,000 | 2,997 |
| Income before extraordinary items | $2,048,000 | 3,046 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,048,000 | 3,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,206 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 796 |
| Net operating income | $2,048,000 | 3,004 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 3,983 |
| Total interest expense | $1,992,000 | 3,520 |
| Net interest income | $3,476,000 | 4,172 |
| Provision for loan and lease losses | $258,000 | 2,485 |
| Total noninterest income | $1,089,000 | 2,741 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $114,000 | 5,625 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $975,000 | 1,852 |
| Total noninterest expense | $2,395,000 | 4,550 |
| Salaries and employee benefits | $1,350,000 | 4,449 |
| Premises and equipment expense | $154,000 | 6,648 |
| Additional noninterest expense | $891,000 | 3,838 |
| Pre-tax net operating income | $1,912,000 | 3,151 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $306,000 | 3,774 |
| Income before extraordinary items | $1,606,000 | 2,974 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,606,000 | 2,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,359 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 700 |
| Net operating income | $1,606,000 | 2,934 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,388,000 | 4,127 |
| Total interest expense | $1,238,000 | 3,540 |
| Net interest income | $2,150,000 | 4,382 |
| Provision for loan and lease losses | $178,000 | 2,385 |
| Total noninterest income | $485,000 | 3,600 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $69,000 | 5,752 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $416,000 | 2,479 |
| Total noninterest expense | $1,536,000 | 4,657 |
| Salaries and employee benefits | $864,000 | 4,549 |
| Premises and equipment expense | $100,000 | 6,702 |
| Additional noninterest expense | $572,000 | 3,946 |
| Pre-tax net operating income | $921,000 | 3,929 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $61,000 | 5,341 |
| Income before extraordinary items | $860,000 | 3,461 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $860,000 | 3,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,614 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 582 |
| Net operating income | $860,000 | 3,419 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 4,311 |
| Total interest expense | $565,000 | 3,680 |
| Net interest income | $1,018,000 | 4,567 |
| Provision for loan and lease losses | $53,000 | 3,110 |
| Total noninterest income | $89,000 | 5,942 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $28,000 | 6,092 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,744 |
| Total noninterest expense | $754,000 | 4,730 |
| Salaries and employee benefits | $435,000 | 4,548 |
| Premises and equipment expense | $49,000 | 6,814 |
| Additional noninterest expense | $270,000 | 4,122 |
| Pre-tax net operating income | $300,000 | 4,995 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $300,000 | 4,376 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $300,000 | 4,377 |
| 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 | $7,000 | 450 |
| Net operating income | $300,000 | 4,339 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,578,000 | 5,119 |
| Total interest expense | $1,415,000 | 4,673 |
| Net interest income | $3,163,000 | 5,257 |
| Provision for loan and lease losses | $479,000 | 2,043 |
| Total noninterest income | $513,000 | 5,203 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $114,000 | 6,273 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $399,000 | 3,724 |
| Total noninterest expense | $2,415,000 | 5,420 |
| Salaries and employee benefits | $1,300,000 | 5,433 |
| Premises and equipment expense | $249,000 | 6,197 |
| Additional noninterest expense | $866,000 | 4,829 |
| Pre-tax net operating income | $782,000 | 5,846 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $782,000 | 5,310 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $782,000 | 5,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,850 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $92,000 | 671 |
| Net operating income | $782,000 | 5,239 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,105,000 | 5,433 |
| Total interest expense | $907,000 | 5,066 |
| Net interest income | $2,198,000 | 5,480 |
| Provision for loan and lease losses | $305,000 | 2,238 |
| Total noninterest income | $384,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $112,000 | 5,841 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $272,000 | 3,913 |
| Total noninterest expense | $1,776,000 | 5,449 |
| Salaries and employee benefits | $933,000 | 5,543 |
| Premises and equipment expense | $241,000 | 5,464 |
| Additional noninterest expense | $602,000 | 5,035 |
| Pre-tax net operating income | $501,000 | 6,319 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $501,000 | 5,806 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $501,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 528 |
| Net operating income | $501,000 | 5,743 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,931,000 | 5,662 |
| Total interest expense | $531,000 | 5,479 |
| Net interest income | $1,400,000 | 5,624 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $169,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $35,000 | 7,014 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 4,528 |
| Total noninterest expense | $1,127,000 | 5,637 |
| Salaries and employee benefits | $617,000 | 5,610 |
| Premises and equipment expense | $163,000 | 5,430 |
| Additional noninterest expense | $347,000 | 5,539 |
| Pre-tax net operating income | $232,000 | 6,959 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $232,000 | 6,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $232,000 | 6,611 |
| 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 | $88,000 | 422 |
| Net operating income | $232,000 | 6,522 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $908,000 | 5,892 |
| Total interest expense | $260,000 | 5,608 |
| Net interest income | $648,000 | 5,879 |
| Provision for loan and lease losses | $80,000 | 2,465 |
| Total noninterest income | $60,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $46,000 | 5,276 |
| Total noninterest expense | $552,000 | 5,712 |
| Salaries and employee benefits | $296,000 | 5,771 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $169,000 | 5,625 |
| Pre-tax net operating income | $76,000 | 7,524 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $76,000 | 7,310 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $76,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $76,000 | 7,223 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,678,000 | 6,867 |
| Total interest expense | $766,000 | 6,821 |
| Net interest income | $1,912,000 | 6,716 |
| Provision for loan and lease losses | $322,000 | 3,006 |
| Total noninterest income | $390,000 | 6,020 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $26,000 | 7,765 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $364,000 | 4,144 |
| Total noninterest expense | $1,765,000 | 6,414 |
| Salaries and employee benefits | $955,000 | 6,424 |
| Premises and equipment expense | $215,000 | 6,608 |
| Additional noninterest expense | $595,000 | 6,017 |
| Pre-tax net operating income | $215,000 | 7,775 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $215,000 | 7,699 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $215,000 | 7,702 |
| 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 | $2,740,000 | 299 |
| Net operating income | $215,000 | 7,565 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,873,000 | 7,130 |
| Total interest expense | $540,000 | 7,125 |
| Net interest income | $1,333,000 | 6,981 |
| Provision for loan and lease losses | $275,000 | 2,660 |
| Total noninterest income | $221,000 | 6,671 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $18,000 | 7,855 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $203,000 | 4,761 |
| Total noninterest expense | $1,156,000 | 6,812 |
| Salaries and employee benefits | $649,000 | 6,703 |
| Premises and equipment expense | $121,000 | 7,260 |
| Additional noninterest expense | $386,000 | 6,447 |
| Pre-tax net operating income | $123,000 | 8,113 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $123,000 | 8,076 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $123,000 | 8,080 |
| 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 | $2,740,000 | 203 |
| Net operating income | $123,000 | 7,942 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 7,445 |
| Total interest expense | $335,000 | 7,426 |
| Net interest income | $786,000 | 7,320 |
| Provision for loan and lease losses | $147,000 | 3,175 |
| Total noninterest income | $87,000 | 7,636 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $9,000 | 7,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $78,000 | 5,763 |
| Total noninterest expense | $726,000 | 6,999 |
| Salaries and employee benefits | $422,000 | 6,799 |
| Premises and equipment expense | $76,000 | 7,385 |
| Additional noninterest expense | $228,000 | 6,791 |
| Pre-tax net operating income | $0 | 8,658 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $0 | 8,760 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $0 | 8,762 |
| 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 | $2,740,000 | 125 |
| Net operating income | $0 | 8,652 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 7,686 |
| Total interest expense | $157,000 | 7,662 |
| Net interest income | $355,000 | 7,578 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $36,000 | 7,906 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,000 | 7,983 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 6,104 |
| Total noninterest expense | $357,000 | 7,070 |
| Salaries and employee benefits | $213,000 | 6,782 |
| Premises and equipment expense | $51,000 | 6,736 |
| Additional noninterest expense | $93,000 | 7,327 |
| Pre-tax net operating income | $-41,000 | 8,865 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-41,000 | 8,935 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-41,000 | 8,932 |
| 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 | $2,602,000 | 66 |
| Net operating income | $-41,000 | 8,845 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 8,820 |
| Total interest expense | $280,000 | 8,929 |
| Net interest income | $752,000 | 8,660 |
| Provision for loan and lease losses | $217,000 | 4,198 |
| Total noninterest income | $61,000 | 8,862 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $21,000 | 7,965 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $40,000 | 7,875 |
| Total noninterest expense | $1,324,000 | 7,192 |
| Salaries and employee benefits | $718,000 | 7,204 |
| Premises and equipment expense | $190,000 | 6,887 |
| Additional noninterest expense | $416,000 | 7,038 |
| Pre-tax net operating income | $-728,000 | 9,065 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-728,000 | 9,119 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-728,000 | 9,115 |
| 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 | $0 | 862 |
| Net operating income | $-728,000 | 9,076 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,000 | 9,603 |
| Total interest expense | $3,000 | 9,583 |
| Net interest income | $25,000 | 9,589 |
| Provision for loan and lease losses | $8,000 | 8,004 |
| Total noninterest income | $20,000 | 9,419 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $0 | 8,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $20,000 | 8,732 |
| Total noninterest expense | $599,000 | 8,936 |
| Salaries and employee benefits | $80,000 | 9,569 |
| Premises and equipment expense | $17,000 | 9,519 |
| Additional noninterest expense | $502,000 | 6,423 |
| Pre-tax net operating income | $-562,000 | 9,195 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-562,000 | 9,262 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-562,000 | 9,263 |
| 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 | $7,421,000 | 111 |
| Net operating income | $-562,000 | 9,224 |
* 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.