Home > Palm Desert National Bank > Income and Expense
Palm Desert National Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 5,193 |
| Total interest expense | $197,000 | 4,486 |
| Net interest income | $737,000 | 5,281 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $-103,000 | 7,208 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $72,000 | 3,586 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-175,000 | 7,195 |
| Total noninterest expense | $2,610,000 | 1,834 |
| Salaries and employee benefits | $661,000 | 3,493 |
| Premises and equipment expense | $190,000 | 2,894 |
| Additional noninterest expense | $1,759,000 | 970 |
| Pre-tax net operating income | $-1,976,000 | 7,238 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-1,976,000 | 7,243 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,976,000 | 7,243 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,976,000 | 7,243 |
| Net charge-offs | $246,000 | 1,663 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,976,000 | 7,239 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,528,000 | 4,815 |
| Total interest expense | $1,010,000 | 4,369 |
| Net interest income | $3,518,000 | 4,886 |
| Provision for loan and lease losses | $130,000 | 5,088 |
| Total noninterest income | $6,744,000 | 820 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $309,000 | 3,539 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $6,435,000 | 588 |
| Total noninterest expense | $14,349,000 | 1,363 |
| Salaries and employee benefits | $3,259,000 | 2,921 |
| Premises and equipment expense | $902,000 | 2,638 |
| Additional noninterest expense | $10,188,000 | 705 |
| Pre-tax net operating income | $-4,217,000 | 7,011 |
| Securities gains (losses) | $-212,000 | 7,166 |
| Applicable income taxes | $1,000 | 4,639 |
| Income before extraordinary items | $-4,430,000 | 7,042 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,430,000 | 7,043 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,430,000 | 7,043 |
| Net charge-offs | $2,134,000 | 1,493 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-4,218,000 | 7,017 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,512,000 | 4,784 |
| Total interest expense | $800,000 | 4,362 |
| Net interest income | $2,712,000 | 4,837 |
| Provision for loan and lease losses | $130,000 | 4,688 |
| Total noninterest income | $6,449,000 | 691 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $234,000 | 3,532 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $6,215,000 | 499 |
| Total noninterest expense | $11,186,000 | 1,324 |
| Salaries and employee benefits | $2,637,000 | 2,729 |
| Premises and equipment expense | $705,000 | 2,553 |
| Additional noninterest expense | $7,844,000 | 678 |
| Pre-tax net operating income | $-2,155,000 | 7,018 |
| Securities gains (losses) | $-212,000 | 7,286 |
| Applicable income taxes | $1,000 | 4,642 |
| Income before extraordinary items | $-2,368,000 | 7,101 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,368,000 | 7,102 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,368,000 | 7,102 |
| Net charge-offs | $1,521,000 | 1,482 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,156,000 | 7,058 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 4,652 |
| Total interest expense | $572,000 | 4,300 |
| Net interest income | $1,933,000 | 4,682 |
| Provision for loan and lease losses | $130,000 | 4,080 |
| Total noninterest income | $6,273,000 | 530 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $151,000 | 3,578 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,122,000 | 365 |
| Total noninterest expense | $8,125,000 | 1,231 |
| Salaries and employee benefits | $1,986,000 | 2,435 |
| Premises and equipment expense | $483,000 | 2,517 |
| Additional noninterest expense | $5,656,000 | 649 |
| Pre-tax net operating income | $-49,000 | 6,329 |
| Securities gains (losses) | $-212,000 | 7,388 |
| Applicable income taxes | $1,000 | 4,573 |
| Income before extraordinary items | $-262,000 | 6,694 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-262,000 | 6,695 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-262,000 | 6,695 |
| Net charge-offs | $927,000 | 1,537 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-50,000 | 6,368 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,165,000 | 4,875 |
| Total interest expense | $297,000 | 4,324 |
| Net interest income | $868,000 | 4,968 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $1,243,000 | 1,054 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $76,000 | 3,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,167,000 | 735 |
| Total noninterest expense | $3,560,000 | 1,401 |
| Salaries and employee benefits | $1,155,000 | 2,131 |
| Premises and equipment expense | $270,000 | 2,320 |
| Additional noninterest expense | $2,135,000 | 833 |
| Pre-tax net operating income | $-1,449,000 | 7,345 |
| Securities gains (losses) | $-212,000 | 7,469 |
| Applicable income taxes | $1,000 | 4,403 |
| Income before extraordinary items | $-1,662,000 | 7,378 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,662,000 | 7,379 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,662,000 | 7,379 |
| Net charge-offs | $996,000 | 862 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,450,000 | 7,357 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,042,000 | 3,215 |
| Total interest expense | $2,010,000 | 3,549 |
| Net interest income | $7,032,000 | 3,064 |
| Provision for loan and lease losses | $2,958,000 | 1,626 |
| Total noninterest income | $7,000,000 | 832 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $646,000 | 2,176 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $6,354,000 | 618 |
| Total noninterest expense | $17,756,000 | 1,121 |
| Salaries and employee benefits | $5,263,000 | 1,845 |
| Premises and equipment expense | $1,352,000 | 1,891 |
| Additional noninterest expense | $11,141,000 | 683 |
| Pre-tax net operating income | $-6,682,000 | 7,214 |
| Securities gains (losses) | $396,000 | 1,056 |
| Applicable income taxes | $625,000 | 1,688 |
| Income before extraordinary items | $-6,911,000 | 7,278 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-6,911,000 | 7,278 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-6,911,000 | 7,278 |
| Net charge-offs | $5,937,000 | 890 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-7,307,000 | 7,278 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,116,000 | 3,149 |
| Total interest expense | $1,614,000 | 3,508 |
| Net interest income | $5,502,000 | 3,000 |
| Provision for loan and lease losses | $1,451,000 | 2,023 |
| Total noninterest income | $3,616,000 | 1,098 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $514,000 | 2,126 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $3,102,000 | 810 |
| Total noninterest expense | $13,799,000 | 1,065 |
| Salaries and employee benefits | $4,018,000 | 1,827 |
| Premises and equipment expense | $1,024,000 | 1,900 |
| Additional noninterest expense | $8,757,000 | 627 |
| Pre-tax net operating income | $-6,132,000 | 7,424 |
| Securities gains (losses) | $329,000 | 1,008 |
| Applicable income taxes | $625,000 | 1,434 |
| Income before extraordinary items | $-6,428,000 | 7,487 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-6,428,000 | 7,487 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-6,428,000 | 7,487 |
| Net charge-offs | $2,241,000 | 1,402 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-6,757,000 | 7,482 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,861,000 | 3,108 |
| Total interest expense | $1,120,000 | 3,489 |
| Net interest income | $3,741,000 | 2,941 |
| Provision for loan and lease losses | $1,151,000 | 1,795 |
| Total noninterest income | $2,538,000 | 1,033 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $344,000 | 2,121 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,194,000 | 746 |
| Total noninterest expense | $9,457,000 | 1,037 |
| Salaries and employee benefits | $2,746,000 | 1,791 |
| Premises and equipment expense | $698,000 | 1,873 |
| Additional noninterest expense | $6,013,000 | 604 |
| Pre-tax net operating income | $-4,329,000 | 7,518 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $625,000 | 1,026 |
| Income before extraordinary items | $-4,954,000 | 7,583 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-4,954,000 | 7,583 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-4,954,000 | 7,583 |
| Net charge-offs | $1,632,000 | 1,309 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-4,954,000 | 7,575 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 3,083 |
| Total interest expense | $613,000 | 3,380 |
| Net interest income | $1,910,000 | 2,910 |
| Provision for loan and lease losses | $446,000 | 1,968 |
| Total noninterest income | $1,309,000 | 977 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $166,000 | 2,165 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,143,000 | 711 |
| Total noninterest expense | $5,779,000 | 866 |
| Salaries and employee benefits | $1,389,000 | 1,805 |
| Premises and equipment expense | $355,000 | 1,899 |
| Additional noninterest expense | $4,035,000 | 459 |
| Pre-tax net operating income | $-3,006,000 | 7,691 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-3,006,000 | 7,716 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-3,006,000 | 7,717 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-3,006,000 | 7,717 |
| Net charge-offs | $1,163,000 | 933 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-3,006,000 | 7,708 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,076,000 | 2,539 |
| Total interest expense | $2,982,000 | 3,421 |
| Net interest income | $10,094,000 | 2,166 |
| Provision for loan and lease losses | $19,789,000 | 503 |
| Total noninterest income | $5,491,000 | 1,016 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $683,000 | 2,304 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,808,000 | 739 |
| Total noninterest expense | $15,705,000 | 1,317 |
| Salaries and employee benefits | $6,225,000 | 1,597 |
| Premises and equipment expense | $1,611,000 | 1,678 |
| Additional noninterest expense | $7,869,000 | 998 |
| Pre-tax net operating income | $-19,909,000 | 7,711 |
| Securities gains (losses) | $54,000 | 2,574 |
| Applicable income taxes | $-318,000 | 6,885 |
| Income before extraordinary items | $-19,537,000 | 7,731 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-19,537,000 | 7,729 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-19,537,000 | 7,729 |
| Net charge-offs | $17,675,000 | 447 |
| Cash dividends | $2,605,000 | 679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-19,589,920 | 7,734 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,244,000 | 2,488 |
| Total interest expense | $2,270,000 | 3,522 |
| Net interest income | $7,974,000 | 2,066 |
| Provision for loan and lease losses | $12,452,000 | 524 |
| Total noninterest income | $4,304,000 | 989 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $485,000 | 2,419 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,819,000 | 718 |
| Total noninterest expense | $11,663,000 | 1,316 |
| Salaries and employee benefits | $4,681,000 | 1,606 |
| Premises and equipment expense | $1,236,000 | 1,652 |
| Additional noninterest expense | $5,746,000 | 981 |
| Pre-tax net operating income | $-11,837,000 | 7,785 |
| Securities gains (losses) | $54,000 | 2,250 |
| Applicable income taxes | $-128,000 | 6,991 |
| Income before extraordinary items | $-11,655,000 | 7,818 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-11,655,000 | 7,817 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-11,655,000 | 7,817 |
| Net charge-offs | $10,966,000 | 475 |
| Cash dividends | $2,605,000 | 482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-11,708,460 | 7,819 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,093,000 | 2,425 |
| Total interest expense | $1,623,000 | 3,472 |
| Net interest income | $5,470,000 | 1,998 |
| Provision for loan and lease losses | $7,736,000 | 542 |
| Total noninterest income | $2,431,000 | 1,140 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $343,000 | 2,276 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,088,000 | 857 |
| Total noninterest expense | $7,969,000 | 1,310 |
| Salaries and employee benefits | $3,209,000 | 1,600 |
| Premises and equipment expense | $832,000 | 1,668 |
| Additional noninterest expense | $3,928,000 | 977 |
| Pre-tax net operating income | $-7,804,000 | 7,866 |
| Securities gains (losses) | $54,000 | 1,861 |
| Applicable income taxes | $-53,000 | 7,017 |
| Income before extraordinary items | $-7,697,000 | 7,905 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,697,000 | 7,904 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,697,000 | 7,904 |
| Net charge-offs | $8,011,000 | 435 |
| Cash dividends | $2,605,000 | 341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-7,750,460 | 7,912 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 2,280 |
| Total interest expense | $954,000 | 3,190 |
| Net interest income | $2,886,000 | 1,902 |
| Provision for loan and lease losses | $6,318,000 | 347 |
| Total noninterest income | $1,251,000 | 1,071 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $178,000 | 2,161 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,073,000 | 803 |
| Total noninterest expense | $3,933,000 | 1,276 |
| Salaries and employee benefits | $1,639,000 | 1,585 |
| Premises and equipment expense | $443,000 | 1,607 |
| Additional noninterest expense | $1,851,000 | 897 |
| Pre-tax net operating income | $-6,114,000 | 8,062 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-42,000 | 7,398 |
| Income before extraordinary items | $-6,072,000 | 8,080 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,072,000 | 8,080 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-6,072,000 | 8,080 |
| Net charge-offs | $4,455,000 | 339 |
| Cash dividends | $2,605,000 | 177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-6,072,000 | 8,084 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,162,000 | 2,098 |
| Total interest expense | $7,140,000 | 2,167 |
| Net interest income | $11,022,000 | 2,015 |
| Provision for loan and lease losses | $13,651,000 | 479 |
| Total noninterest income | $36,480,000 | 231 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $742,000 | 2,249 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $35,738,000 | 163 |
| Total noninterest expense | $25,350,000 | 785 |
| Salaries and employee benefits | $8,968,000 | 1,098 |
| Premises and equipment expense | $2,172,000 | 1,258 |
| Additional noninterest expense | $14,210,000 | 496 |
| Pre-tax net operating income | $8,501,000 | 648 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $3,351,000 | 425 |
| Income before extraordinary items | $5,150,000 | 788 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,150,000 | 788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,524,000 | 390 |
| Cash dividends | $1,479,000 | 1,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $5,150,000 | 848 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,007,000 | 2,093 |
| Total interest expense | $5,871,000 | 2,083 |
| Net interest income | $8,136,000 | 2,057 |
| Provision for loan and lease losses | $8,632,000 | 452 |
| Total noninterest income | $34,871,000 | 206 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $535,000 | 2,325 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $34,336,000 | 158 |
| Total noninterest expense | $21,873,000 | 674 |
| Salaries and employee benefits | $8,313,000 | 929 |
| Premises and equipment expense | $1,736,000 | 1,192 |
| Additional noninterest expense | $11,824,000 | 437 |
| Pre-tax net operating income | $12,502,000 | 412 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $3,943,000 | 378 |
| Income before extraordinary items | $8,559,000 | 426 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $8,559,000 | 425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,681,000 | 404 |
| Cash dividends | $1,329,000 | 1,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $8,559,000 | 447 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,445,000 | 2,091 |
| Total interest expense | $4,177,000 | 2,058 |
| Net interest income | $5,268,000 | 2,108 |
| Provision for loan and lease losses | $4,840,000 | 447 |
| Total noninterest income | $15,391,000 | 279 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $337,000 | 2,415 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $15,054,000 | 202 |
| Total noninterest expense | $14,484,000 | 669 |
| Salaries and employee benefits | $5,627,000 | 919 |
| Premises and equipment expense | $1,341,000 | 1,042 |
| Additional noninterest expense | $7,516,000 | 441 |
| Pre-tax net operating income | $1,335,000 | 2,417 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $47,000 | 4,114 |
| Income before extraordinary items | $1,288,000 | 2,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,288,000 | 2,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,630,000 | 630 |
| Cash dividends | $1,189,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,288,000 | 2,007 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,085,000 | 2,001 |
| Total interest expense | $2,615,000 | 1,804 |
| Net interest income | $2,470,000 | 2,241 |
| Provision for loan and lease losses | $2,360,000 | 360 |
| Total noninterest income | $7,616,000 | 287 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $160,000 | 2,478 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,456,000 | 210 |
| Total noninterest expense | $7,805,000 | 613 |
| Salaries and employee benefits | $2,872,000 | 896 |
| Premises and equipment expense | $724,000 | 952 |
| Additional noninterest expense | $4,209,000 | 388 |
| Pre-tax net operating income | $-79,000 | 7,494 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-79,000 | 7,591 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-79,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-157,000 | 8,451 |
| Cash dividends | $559,000 | 1,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-79,000 | 7,544 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,924,000 | 2,011 |
| Total interest expense | $9,901,000 | 1,962 |
| Net interest income | $11,023,000 | 2,058 |
| Provision for loan and lease losses | $1,272,000 | 1,196 |
| Total noninterest income | $26,796,000 | 306 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $726,000 | 2,300 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $26,070,000 | 219 |
| Total noninterest expense | $29,518,000 | 630 |
| Salaries and employee benefits | $12,086,000 | 814 |
| Premises and equipment expense | $2,658,000 | 977 |
| Additional noninterest expense | $14,774,000 | 431 |
| Pre-tax net operating income | $7,029,000 | 1,211 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $246,000 | 3,638 |
| Income before extraordinary items | $6,783,000 | 964 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,783,000 | 962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,621 |
| Cash dividends | $5,667,000 | 669 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,783,000 | 950 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,433,000 | 2,042 |
| Total interest expense | $7,394,000 | 1,969 |
| Net interest income | $8,039,000 | 2,123 |
| Provision for loan and lease losses | $822,000 | 1,060 |
| Total noninterest income | $20,283,000 | 303 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $568,000 | 2,212 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $19,715,000 | 216 |
| Total noninterest expense | $22,334,000 | 613 |
| Salaries and employee benefits | $9,184,000 | 802 |
| Premises and equipment expense | $2,027,000 | 953 |
| Additional noninterest expense | $11,123,000 | 418 |
| Pre-tax net operating income | $5,166,000 | 1,321 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $181,000 | 3,833 |
| Income before extraordinary items | $4,985,000 | 1,055 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,985,000 | 1,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 8,315 |
| Cash dividends | $4,967,000 | 584 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,985,000 | 1,038 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,070,000 | 2,095 |
| Total interest expense | $5,014,000 | 1,953 |
| Net interest income | $5,056,000 | 2,271 |
| Provision for loan and lease losses | $212,000 | 2,065 |
| Total noninterest income | $13,748,000 | 316 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $377,000 | 2,216 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,371,000 | 231 |
| Total noninterest expense | $14,790,000 | 634 |
| Salaries and employee benefits | $6,073,000 | 831 |
| Premises and equipment expense | $1,310,000 | 994 |
| Additional noninterest expense | $7,407,000 | 429 |
| Pre-tax net operating income | $3,802,000 | 1,247 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $133,000 | 3,800 |
| Income before extraordinary items | $3,669,000 | 978 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,669,000 | 977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-115,000 | 8,462 |
| Cash dividends | $3,440,000 | 585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,669,000 | 957 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,927,000 | 2,139 |
| Total interest expense | $2,859,000 | 1,744 |
| Net interest income | $2,068,000 | 2,683 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $7,364,000 | 296 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $183,000 | 2,224 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,181,000 | 219 |
| Total noninterest expense | $7,434,000 | 632 |
| Salaries and employee benefits | $3,052,000 | 832 |
| Premises and equipment expense | $648,000 | 1,022 |
| Additional noninterest expense | $3,734,000 | 414 |
| Pre-tax net operating income | $1,848,000 | 1,264 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $65,000 | 3,816 |
| Income before extraordinary items | $1,783,000 | 984 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,783,000 | 983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,219 |
| Cash dividends | $1,358,000 | 632 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,783,000 | 971 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,825,000 | 2,192 |
| Total interest expense | $7,193,000 | 2,236 |
| Net interest income | $10,632,000 | 2,173 |
| Provision for loan and lease losses | $600,000 | 1,606 |
| Total noninterest income | $20,987,000 | 364 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $681,000 | 2,433 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,306,000 | 261 |
| Total noninterest expense | $23,767,000 | 735 |
| Salaries and employee benefits | $11,185,000 | 871 |
| Premises and equipment expense | $2,496,000 | 1,001 |
| Additional noninterest expense | $10,086,000 | 559 |
| Pre-tax net operating income | $7,252,000 | 1,356 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $526,000 | 3,086 |
| Income before extraordinary items | $6,726,000 | 1,112 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,726,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 1,637 |
| Cash dividends | $6,696,000 | 550 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,726,000 | 1,098 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,217,000 | 2,211 |
| Total interest expense | $5,085,000 | 2,286 |
| Net interest income | $8,132,000 | 2,155 |
| Provision for loan and lease losses | $540,000 | 1,310 |
| Total noninterest income | $15,719,000 | 378 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $505,000 | 2,466 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,214,000 | 281 |
| Total noninterest expense | $17,648,000 | 759 |
| Salaries and employee benefits | $8,398,000 | 874 |
| Premises and equipment expense | $1,861,000 | 1,019 |
| Additional noninterest expense | $7,389,000 | 576 |
| Pre-tax net operating income | $5,663,000 | 1,350 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $470,000 | 2,942 |
| Income before extraordinary items | $5,193,000 | 1,110 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,193,000 | 1,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 913 |
| Cash dividends | $5,792,000 | 460 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,193,000 | 1,099 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,729,000 | 2,195 |
| Total interest expense | $3,396,000 | 2,192 |
| Net interest income | $5,333,000 | 2,185 |
| Provision for loan and lease losses | $360,000 | 1,269 |
| Total noninterest income | $11,238,000 | 368 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $339,000 | 2,416 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,899,000 | 274 |
| Total noninterest expense | $12,104,000 | 740 |
| Salaries and employee benefits | $5,776,000 | 843 |
| Premises and equipment expense | $1,243,000 | 1,015 |
| Additional noninterest expense | $5,085,000 | 555 |
| Pre-tax net operating income | $4,107,000 | 1,228 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $416,000 | 2,559 |
| Income before extraordinary items | $3,691,000 | 1,046 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,691,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 633 |
| Cash dividends | $4,361,000 | 424 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,691,000 | 1,030 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 2,280 |
| Total interest expense | $1,750,000 | 2,035 |
| Net interest income | $2,337,000 | 2,446 |
| Provision for loan and lease losses | $180,000 | 1,225 |
| Total noninterest income | $6,723,000 | 318 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $176,000 | 2,265 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,547,000 | 237 |
| Total noninterest expense | $6,376,000 | 709 |
| Salaries and employee benefits | $2,986,000 | 813 |
| Premises and equipment expense | $626,000 | 1,010 |
| Additional noninterest expense | $2,764,000 | 517 |
| Pre-tax net operating income | $2,504,000 | 1,000 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $360,000 | 1,787 |
| Income before extraordinary items | $2,144,000 | 887 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,144,000 | 886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,292 |
| Cash dividends | $1,833,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,144,000 | 868 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,610,000 | 2,598 |
| Total interest expense | $3,625,000 | 2,857 |
| Net interest income | $8,985,000 | 2,445 |
| Provision for loan and lease losses | $570,000 | 1,710 |
| Total noninterest income | $21,552,000 | 379 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $675,000 | 2,416 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $20,877,000 | 284 |
| Total noninterest expense | $23,277,000 | 737 |
| Salaries and employee benefits | $11,183,000 | 812 |
| Premises and equipment expense | $2,356,000 | 1,019 |
| Additional noninterest expense | $9,738,000 | 575 |
| Pre-tax net operating income | $6,690,000 | 1,431 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $589,000 | 3,103 |
| Income before extraordinary items | $6,101,000 | 1,183 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,101,000 | 1,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $3,552,000 | 904 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,101,000 | 1,163 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,824,000 | 2,706 |
| Total interest expense | $2,368,000 | 3,063 |
| Net interest income | $6,456,000 | 2,514 |
| Provision for loan and lease losses | $480,000 | 1,448 |
| Total noninterest income | $16,474,000 | 376 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $513,000 | 2,391 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,961,000 | 288 |
| Total noninterest expense | $17,087,000 | 740 |
| Salaries and employee benefits | $7,901,000 | 857 |
| Premises and equipment expense | $1,743,000 | 1,024 |
| Additional noninterest expense | $7,443,000 | 554 |
| Pre-tax net operating income | $5,363,000 | 1,342 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $542,000 | 2,811 |
| Income before extraordinary items | $4,821,000 | 1,126 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,821,000 | 1,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,839 |
| Cash dividends | $2,953,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,821,000 | 1,105 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,607,000 | 2,749 |
| Total interest expense | $1,468,000 | 3,097 |
| Net interest income | $4,139,000 | 2,572 |
| Provision for loan and lease losses | $220,000 | 1,996 |
| Total noninterest income | $10,862,000 | 370 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $332,000 | 2,415 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $10,530,000 | 285 |
| Total noninterest expense | $11,484,000 | 729 |
| Salaries and employee benefits | $5,241,000 | 853 |
| Premises and equipment expense | $1,139,000 | 1,036 |
| Additional noninterest expense | $5,104,000 | 544 |
| Pre-tax net operating income | $3,297,000 | 1,420 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $820,000 | 1,590 |
| Income before extraordinary items | $2,477,000 | 1,409 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,477,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,656 |
| Cash dividends | $1,470,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,477,000 | 1,385 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,631,000 | 2,863 |
| Total interest expense | $745,000 | 2,977 |
| Net interest income | $1,886,000 | 2,787 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $5,589,000 | 353 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $167,000 | 2,345 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $5,422,000 | 278 |
| Total noninterest expense | $5,902,000 | 710 |
| Salaries and employee benefits | $2,620,000 | 849 |
| Premises and equipment expense | $572,000 | 1,044 |
| Additional noninterest expense | $2,710,000 | 513 |
| Pre-tax net operating income | $1,513,000 | 1,505 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $758,000 | 942 |
| Income before extraordinary items | $755,000 | 2,191 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $755,000 | 2,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $755,000 | 2,150 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,048,000 | 3,078 |
| Total interest expense | $2,830,000 | 2,747 |
| Net interest income | $6,218,000 | 3,200 |
| Provision for loan and lease losses | $385,000 | 2,439 |
| Total noninterest income | $24,326,000 | 339 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $604,000 | 2,689 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $23,722,000 | 259 |
| Total noninterest expense | $24,835,000 | 663 |
| Salaries and employee benefits | $9,217,000 | 935 |
| Premises and equipment expense | $2,302,000 | 997 |
| Additional noninterest expense | $13,316,000 | 432 |
| Pre-tax net operating income | $5,324,000 | 1,602 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,191,000 | 1,169 |
| Income before extraordinary items | $3,133,000 | 2,002 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,133,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 1,436 |
| Cash dividends | $275,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,133,000 | 1,950 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,542,000 | 3,156 |
| Total interest expense | $2,304,000 | 2,539 |
| Net interest income | $4,238,000 | 3,435 |
| Provision for loan and lease losses | $265,000 | 2,488 |
| Total noninterest income | $18,750,000 | 343 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $455,000 | 2,690 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,295,000 | 259 |
| Total noninterest expense | $18,432,000 | 667 |
| Salaries and employee benefits | $6,830,000 | 935 |
| Premises and equipment expense | $1,771,000 | 961 |
| Additional noninterest expense | $9,831,000 | 439 |
| Pre-tax net operating income | $4,291,000 | 1,498 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,766,000 | 1,128 |
| Income before extraordinary items | $2,525,000 | 1,886 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,525,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,386 |
| Cash dividends | $137,000 | 4,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,525,000 | 1,837 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,214,000 | 3,241 |
| Total interest expense | $1,562,000 | 2,484 |
| Net interest income | $2,652,000 | 3,609 |
| Provision for loan and lease losses | $205,000 | 2,159 |
| Total noninterest income | $12,581,000 | 331 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $303,000 | 2,690 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $12,278,000 | 259 |
| Total noninterest expense | $11,937,000 | 681 |
| Salaries and employee benefits | $4,490,000 | 944 |
| Premises and equipment expense | $1,121,000 | 1,027 |
| Additional noninterest expense | $6,326,000 | 446 |
| Pre-tax net operating income | $3,091,000 | 1,376 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,272,000 | 1,063 |
| Income before extraordinary items | $1,819,000 | 1,745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,819,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 1,136 |
| Cash dividends | $137,000 | 3,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,819,000 | 1,692 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,025,000 | 3,367 |
| Total interest expense | $803,000 | 2,439 |
| Net interest income | $1,222,000 | 3,840 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $6,162,000 | 331 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $148,000 | 2,703 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,014,000 | 255 |
| Total noninterest expense | $5,857,000 | 692 |
| Salaries and employee benefits | $2,204,000 | 977 |
| Premises and equipment expense | $559,000 | 1,056 |
| Additional noninterest expense | $3,094,000 | 447 |
| Pre-tax net operating income | $1,407,000 | 1,478 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $579,000 | 1,158 |
| Income before extraordinary items | $828,000 | 1,885 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $828,000 | 1,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 843 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $828,000 | 1,797 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,615,000 | 3,218 |
| Total interest expense | $2,592,000 | 3,251 |
| Net interest income | $6,023,000 | 3,173 |
| Provision for loan and lease losses | $345,000 | 2,886 |
| Total noninterest income | $16,083,000 | 466 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $693,000 | 2,379 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $15,390,000 | 336 |
| Total noninterest expense | $17,297,000 | 935 |
| Salaries and employee benefits | $7,306,000 | 1,168 |
| Premises and equipment expense | $1,809,000 | 1,255 |
| Additional noninterest expense | $8,182,000 | 660 |
| Pre-tax net operating income | $4,464,000 | 1,801 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,862,000 | 1,349 |
| Income before extraordinary items | $2,602,000 | 2,295 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,602,000 | 2,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 9,031 |
| Cash dividends | $875,000 | 2,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,602,000 | 2,195 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,557,000 | 3,234 |
| Total interest expense | $1,953,000 | 3,343 |
| Net interest income | $4,604,000 | 3,128 |
| Provision for loan and lease losses | $255,000 | 2,819 |
| Total noninterest income | $10,811,000 | 529 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $538,000 | 2,332 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,273,000 | 383 |
| Total noninterest expense | $11,959,000 | 1,034 |
| Salaries and employee benefits | $5,210,000 | 1,245 |
| Premises and equipment expense | $1,301,000 | 1,320 |
| Additional noninterest expense | $5,448,000 | 721 |
| Pre-tax net operating income | $3,201,000 | 1,941 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,317,000 | 1,483 |
| Income before extraordinary items | $1,884,000 | 2,454 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,884,000 | 2,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 9,056 |
| Cash dividends | $575,000 | 2,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,884,000 | 2,333 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,353,000 | 3,261 |
| Total interest expense | $1,366,000 | 3,318 |
| Net interest income | $2,987,000 | 3,204 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $6,817,000 | 553 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $364,000 | 2,268 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,453,000 | 394 |
| Total noninterest expense | $7,605,000 | 1,071 |
| Salaries and employee benefits | $3,389,000 | 1,276 |
| Premises and equipment expense | $842,000 | 1,366 |
| Additional noninterest expense | $3,374,000 | 772 |
| Pre-tax net operating income | $2,019,000 | 2,018 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $831,000 | 1,573 |
| Income before extraordinary items | $1,188,000 | 2,604 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,188,000 | 2,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 9,031 |
| Cash dividends | $400,000 | 2,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,188,000 | 2,454 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,120,000 | 3,360 |
| Total interest expense | $653,000 | 3,506 |
| Net interest income | $1,467,000 | 3,232 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $3,273,000 | 558 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $176,000 | 2,262 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,097,000 | 404 |
| Total noninterest expense | $3,675,000 | 1,086 |
| Salaries and employee benefits | $1,687,000 | 1,287 |
| Premises and equipment expense | $411,000 | 1,413 |
| Additional noninterest expense | $1,577,000 | 802 |
| Pre-tax net operating income | $975,000 | 2,088 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $401,000 | 1,617 |
| Income before extraordinary items | $574,000 | 2,640 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $574,000 | 2,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 9,133 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $574,000 | 2,501 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,357,000 | 3,516 |
| Total interest expense | $2,578,000 | 4,004 |
| Net interest income | $5,779,000 | 3,244 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $11,372,000 | 579 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $741,000 | 2,141 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,631,000 | 421 |
| Total noninterest expense | $13,704,000 | 1,123 |
| Salaries and employee benefits | $5,772,000 | 1,413 |
| Premises and equipment expense | $1,673,000 | 1,308 |
| Additional noninterest expense | $6,259,000 | 808 |
| Pre-tax net operating income | $3,327,000 | 2,300 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,369,000 | 1,774 |
| Income before extraordinary items | $1,958,000 | 2,848 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,958,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 9,097 |
| Cash dividends | $124,000 | 5,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,958,000 | 2,762 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,697,000 | 4,154 |
| Total interest expense | $3,034,000 | 4,689 |
| Net interest income | $4,663,000 | 3,635 |
| Provision for loan and lease losses | $170,000 | 4,530 |
| Total noninterest income | $9,287,000 | 635 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $418,000 | 3,265 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,869,000 | 447 |
| Total noninterest expense | $10,838,000 | 1,354 |
| Salaries and employee benefits | $4,547,000 | 1,651 |
| Premises and equipment expense | $1,550,000 | 1,378 |
| Additional noninterest expense | $4,741,000 | 1,018 |
| Pre-tax net operating income | $2,942,000 | 2,307 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,211,000 | 1,793 |
| Income before extraordinary items | $1,731,000 | 2,886 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,731,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 9,244 |
| Cash dividends | $293,000 | 4,443 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 304 |
| Net operating income | $1,731,000 | 2,798 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,934,000 | 4,617 |
| Total interest expense | $2,803,000 | 5,179 |
| Net interest income | $4,131,000 | 4,073 |
| Provision for loan and lease losses | $355,000 | 2,545 |
| Total noninterest income | $8,047,000 | 672 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $396,000 | 3,271 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $7,651,000 | 487 |
| Total noninterest expense | $8,789,000 | 1,603 |
| Salaries and employee benefits | $3,566,000 | 1,996 |
| Premises and equipment expense | $1,408,000 | 1,477 |
| Additional noninterest expense | $3,815,000 | 1,199 |
| Pre-tax net operating income | $3,034,000 | 2,367 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,249,000 | 1,773 |
| Income before extraordinary items | $1,785,000 | 2,816 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,785,000 | 2,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $392,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,785,000 | 2,811 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,567,000 | 5,195 |
| Total interest expense | $2,266,000 | 5,542 |
| Net interest income | $3,301,000 | 4,830 |
| Provision for loan and lease losses | $210,000 | 3,440 |
| Total noninterest income | $8,205,000 | 695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $440,000 | 2,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,765,000 | 505 |
| Total noninterest expense | $9,347,000 | 1,488 |
| Salaries and employee benefits | $3,063,000 | 2,289 |
| Premises and equipment expense | $1,635,000 | 1,239 |
| Additional noninterest expense | $4,649,000 | 1,011 |
| Pre-tax net operating income | $1,949,000 | 3,403 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $802,000 | 2,637 |
| Income before extraordinary items | $1,147,000 | 4,010 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,147,000 | 4,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,166 |
| Cash dividends | $392,000 | 4,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,147,000 | 3,972 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,225,000 | 5,499 |
| Total interest expense | $1,606,000 | 6,961 |
| Net interest income | $3,619,000 | 4,457 |
| Provision for loan and lease losses | $130,000 | 4,466 |
| Total noninterest income | $7,788,000 | 702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $411,000 | 3,061 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,377,000 | 506 |
| Total noninterest expense | $8,650,000 | 1,535 |
| Salaries and employee benefits | $2,708,000 | 2,493 |
| Premises and equipment expense | $1,475,000 | 1,315 |
| Additional noninterest expense | $4,467,000 | 1,033 |
| Pre-tax net operating income | $2,627,000 | 2,662 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,077,000 | 2,175 |
| Income before extraordinary items | $1,550,000 | 3,176 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,550,000 | 3,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,386 |
| Cash dividends | $294,000 | 4,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,550,000 | 3,086 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,556,000 | 5,370 |
| Total interest expense | $1,774,000 | 6,737 |
| Net interest income | $3,782,000 | 4,439 |
| Provision for loan and lease losses | $285,000 | 2,727 |
| Total noninterest income | $6,263,000 | 796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $535,000 | 2,459 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,728,000 | 561 |
| Total noninterest expense | $8,888,000 | 1,475 |
| Salaries and employee benefits | $2,410,000 | 2,745 |
| Premises and equipment expense | $1,404,000 | 1,389 |
| Additional noninterest expense | $5,074,000 | 952 |
| Pre-tax net operating income | $872,000 | 6,244 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $351,000 | 5,291 |
| Income before extraordinary items | $521,000 | 6,856 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $521,000 | 6,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 2,446 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $521,000 | 6,799 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,019,000 | 5,911 |
| Total interest expense | $1,489,000 | 7,605 |
| Net interest income | $3,530,000 | 4,795 |
| Provision for loan and lease losses | $445,000 | 1,911 |
| Total noninterest income | $3,170,000 | 1,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $521,000 | 2,621 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,649,000 | 957 |
| Total noninterest expense | $5,686,000 | 2,421 |
| Salaries and employee benefits | $2,126,000 | 3,146 |
| Premises and equipment expense | $947,000 | 2,108 |
| Additional noninterest expense | $2,613,000 | 1,944 |
| Pre-tax net operating income | $569,000 | 7,575 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $240,000 | 6,578 |
| Income before extraordinary items | $332,000 | 8,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $332,000 | 8,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $637,000 | 1,197 |
| Cash dividends | $666,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $330,080 | 8,103 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,997,000 | 5,987 |
| Total interest expense | $868,000 | 9,739 |
| Net interest income | $4,129,000 | 4,206 |
| Provision for loan and lease losses | $-150,000 | 11,777 |
| Total noninterest income | $1,130,000 | 2,828 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $511,000 | 2,658 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $619,000 | 2,485 |
| Total noninterest expense | $4,234,000 | 3,157 |
| Salaries and employee benefits | $2,137,000 | 3,107 |
| Premises and equipment expense | $936,000 | 2,149 |
| Additional noninterest expense | $1,161,000 | 3,853 |
| Pre-tax net operating income | $1,175,000 | 5,325 |
| Securities gains (losses) | $45,000 | 1,385 |
| Applicable income taxes | $506,000 | 4,161 |
| Income before extraordinary items | $714,000 | 5,896 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $714,000 | 5,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 11,551 |
| Cash dividends | $607,000 | 2,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $685,200 | 6,055 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,737,000 | 5,914 |
| Total interest expense | $742,000 | 9,869 |
| Net interest income | $3,995,000 | 4,388 |
| Provision for loan and lease losses | $340,000 | 2,067 |
| Total noninterest income | $1,326,000 | 2,537 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $615,000 | 2,209 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $711,000 | 2,306 |
| Total noninterest expense | $3,813,000 | 3,570 |
| Salaries and employee benefits | $1,640,000 | 3,945 |
| Premises and equipment expense | $749,000 | 2,674 |
| Additional noninterest expense | $1,424,000 | 3,477 |
| Pre-tax net operating income | $1,168,000 | 5,343 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $331,000 | 5,497 |
| Income before extraordinary items | $837,000 | 5,179 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $837,000 | 5,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $797,000 | 1,016 |
| Cash dividends | $98,000 | 7,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $837,000 | 5,241 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,330,000 | 5,475 |
| Total interest expense | $1,091,000 | 8,721 |
| Net interest income | $4,239,000 | 4,174 |
| Provision for loan and lease losses | $1,638,000 | 934 |
| Total noninterest income | $1,100,000 | 3,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $770,000 | 1,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $330,000 | 4,236 |
| Total noninterest expense | $5,360,000 | 2,666 |
| Salaries and employee benefits | $2,036,000 | 3,227 |
| Premises and equipment expense | $843,000 | 2,424 |
| Additional noninterest expense | $2,481,000 | 2,249 |
| Pre-tax net operating income | $-1,659,000 | 13,051 |
| Securities gains (losses) | $17,000 | 4,881 |
| Applicable income taxes | $-558,000 | 13,143 |
| Income before extraordinary items | $-1,084,000 | 13,010 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-1,084,000 | 13,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,151,000 | 1,048 |
| Cash dividends | $137,000 | 6,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-1,095,220 | 12,969 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,497,000 | 4,549 |
| Total interest expense | $1,752,000 | 7,758 |
| Net interest income | $5,745,000 | 3,200 |
| Provision for loan and lease losses | $1,015,000 | 1,812 |
| Total noninterest income | $1,785,000 | 2,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,003,000 | 1,330 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $782,000 | 2,338 |
| Total noninterest expense | $5,717,000 | 2,529 |
| Salaries and employee benefits | $2,126,000 | 3,037 |
| Premises and equipment expense | $895,000 | 2,321 |
| Additional noninterest expense | $2,696,000 | 2,182 |
| Pre-tax net operating income | $798,000 | 6,574 |
| Securities gains (losses) | $92,000 | 3,137 |
| Applicable income taxes | $303,000 | 5,887 |
| Income before extraordinary items | $587,000 | 6,659 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $587,000 | 6,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $765,000 | 1,866 |
| Cash dividends | $607,000 | 2,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $526,280 | 6,737 |
* 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.