Home > PathFinder Bank > Income and Expense
PathFinder Bank, Income and Expense
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $5,733,000 | 1,153 |
| Total interest expense | $669,000 | 1,071 |
| Net interest income | $5,064,000 | 1,160 |
| Provision for loan and lease losses | $210,000 | 929 |
| Total noninterest income | $872,000 | 1,434 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $262,000 | 1,138 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $610,000 | 1,333 |
| Total noninterest expense | $4,605,000 | 1,130 |
| Salaries and employee benefits | $2,613,000 | 1,118 |
| Premises and equipment expense | $556,000 | 1,070 |
| Additional noninterest expense | $1,436,000 | 1,128 |
| Pre-tax net operating income | $1,121,000 | 1,769 |
| Securities gains (losses) | $80,000 | 630 |
| Applicable income taxes | $352,000 | 1,344 |
| Income before extraordinary items | $849,000 | 1,890 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $855,000 | 1,879 |
| Minority interest net income | $-6,000 | 6,111 |
| Net income of bank and minority interests. | $849,000 | 1,891 |
| Net charge-offs | $66,000 | 1,265 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $792,200 | 1,959 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $21,562,000 | 1,187 |
| Total interest expense | $2,357,000 | 1,182 |
| Net interest income | $19,205,000 | 1,194 |
| Provision for loan and lease losses | $1,350,000 | 621 |
| Total noninterest income | $3,488,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $1,093,000 | 1,138 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $2,395,000 | 1,338 |
| Total noninterest expense | $17,221,000 | 1,165 |
| Salaries and employee benefits | $9,432,000 | 1,189 |
| Premises and equipment expense | $2,234,000 | 1,057 |
| Additional noninterest expense | $5,555,000 | 1,161 |
| Pre-tax net operating income | $4,122,000 | 1,822 |
| Securities gains (losses) | $422,000 | 415 |
| Applicable income taxes | $1,235,000 | 1,395 |
| Income before extraordinary items | $3,309,000 | 1,888 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $3,266,000 | 1,909 |
| Minority interest net income | $43,000 | 56 |
| Net income of bank and minority interests. | $3,309,000 | 1,890 |
| Net charge-offs | $993,000 | 698 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $3,000,940 | 2,021 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $15,936,000 | 1,208 |
| Total interest expense | $1,737,000 | 1,210 |
| Net interest income | $14,199,000 | 1,206 |
| Provision for loan and lease losses | $1,004,000 | 589 |
| Total noninterest income | $2,628,000 | 1,444 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $811,000 | 1,149 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,817,000 | 1,345 |
| Total noninterest expense | $12,778,000 | 1,186 |
| Salaries and employee benefits | $7,028,000 | 1,204 |
| Premises and equipment expense | $1,719,000 | 1,058 |
| Additional noninterest expense | $4,031,000 | 1,193 |
| Pre-tax net operating income | $3,045,000 | 1,876 |
| Securities gains (losses) | $188,000 | 678 |
| Applicable income taxes | $908,000 | 1,459 |
| Income before extraordinary items | $2,325,000 | 2,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,292,000 | 2,034 |
| Minority interest net income | $33,000 | 58 |
| Net income of bank and minority interests. | $2,325,000 | 2,012 |
| Net charge-offs | $621,000 | 738 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $2,189,640 | 2,065 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $10,447,000 | 1,219 |
| Total interest expense | $1,126,000 | 1,246 |
| Net interest income | $9,321,000 | 1,223 |
| Provision for loan and lease losses | $784,000 | 526 |
| Total noninterest income | $1,604,000 | 1,544 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $526,000 | 1,155 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,078,000 | 1,477 |
| Total noninterest expense | $8,301,000 | 1,216 |
| Salaries and employee benefits | $4,614,000 | 1,215 |
| Premises and equipment expense | $1,103,000 | 1,095 |
| Additional noninterest expense | $2,584,000 | 1,239 |
| Pre-tax net operating income | $1,840,000 | 2,021 |
| Securities gains (losses) | $101,000 | 843 |
| Applicable income taxes | $569,000 | 1,506 |
| Income before extraordinary items | $1,372,000 | 2,201 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,349,000 | 2,228 |
| Minority interest net income | $23,000 | 57 |
| Net income of bank and minority interests. | $1,372,000 | 2,204 |
| Net charge-offs | $233,000 | 1,083 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $1,300,290 | 2,245 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $5,118,000 | 1,243 |
| Total interest expense | $543,000 | 1,299 |
| Net interest income | $4,575,000 | 1,236 |
| Provision for loan and lease losses | $383,000 | 515 |
| Total noninterest income | $754,000 | 1,577 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $253,000 | 1,180 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $501,000 | 1,504 |
| Total noninterest expense | $4,144,000 | 1,226 |
| Salaries and employee benefits | $2,318,000 | 1,210 |
| Premises and equipment expense | $577,000 | 1,056 |
| Additional noninterest expense | $1,249,000 | 1,257 |
| Pre-tax net operating income | $802,000 | 2,203 |
| Securities gains (losses) | $52,000 | 826 |
| Applicable income taxes | $253,000 | 1,599 |
| Income before extraordinary items | $601,000 | 2,386 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $593,000 | 2,411 |
| Minority interest net income | $8,000 | 54 |
| Net income of bank and minority interests. | $601,000 | 2,388 |
| Net charge-offs | $270,000 | 588 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $564,600 | 2,427 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $19,870,000 | 1,273 |
| Total interest expense | $2,453,000 | 1,191 |
| Net interest income | $17,417,000 | 1,283 |
| Provision for loan and lease losses | $1,206,000 | 729 |
| Total noninterest income | $3,144,000 | 1,511 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $1,109,000 | 1,191 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,035,000 | 1,434 |
| Total noninterest expense | $15,383,000 | 1,286 |
| Salaries and employee benefits | $8,541,000 | 1,254 |
| Premises and equipment expense | $1,857,000 | 1,289 |
| Additional noninterest expense | $4,985,000 | 1,302 |
| Pre-tax net operating income | $3,972,000 | 1,845 |
| Securities gains (losses) | $309,000 | 595 |
| Applicable income taxes | $1,251,000 | 1,331 |
| Income before extraordinary items | $3,030,000 | 2,007 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $2,974,000 | 2,034 |
| Minority interest net income | $56,000 | 58 |
| Net income of bank and minority interests. | $3,030,000 | 2,006 |
| Net charge-offs | $898,000 | 982 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,810,610 | 2,074 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $14,668,000 | 1,300 |
| Total interest expense | $1,895,000 | 1,169 |
| Net interest income | $12,773,000 | 1,314 |
| Provision for loan and lease losses | $930,000 | 708 |
| Total noninterest income | $2,351,000 | 1,515 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $831,000 | 1,194 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,520,000 | 1,442 |
| Total noninterest expense | $11,271,000 | 1,319 |
| Salaries and employee benefits | $6,337,000 | 1,268 |
| Premises and equipment expense | $1,373,000 | 1,311 |
| Additional noninterest expense | $3,561,000 | 1,358 |
| Pre-tax net operating income | $2,923,000 | 1,900 |
| Securities gains (losses) | $29,000 | 1,798 |
| Applicable income taxes | $815,000 | 1,495 |
| Income before extraordinary items | $2,137,000 | 2,111 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,090,000 | 2,152 |
| Minority interest net income | $47,000 | 60 |
| Net income of bank and minority interests. | $2,137,000 | 2,109 |
| Net charge-offs | $800,000 | 799 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $2,116,120 | 2,084 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $9,576,000 | 1,327 |
| Total interest expense | $1,280,000 | 1,157 |
| Net interest income | $8,296,000 | 1,339 |
| Provision for loan and lease losses | $520,000 | 821 |
| Total noninterest income | $1,552,000 | 1,523 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $539,000 | 1,203 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,013,000 | 1,432 |
| Total noninterest expense | $7,526,000 | 1,321 |
| Salaries and employee benefits | $4,254,000 | 1,262 |
| Premises and equipment expense | $890,000 | 1,353 |
| Additional noninterest expense | $2,382,000 | 1,354 |
| Pre-tax net operating income | $1,802,000 | 1,976 |
| Securities gains (losses) | $26,000 | 1,520 |
| Applicable income taxes | $501,000 | 1,539 |
| Income before extraordinary items | $1,327,000 | 2,183 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,290,000 | 2,223 |
| Minority interest net income | $37,000 | 55 |
| Net income of bank and minority interests. | $1,327,000 | 2,186 |
| Net charge-offs | $395,000 | 1,046 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,308,020 | 2,155 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $4,748,000 | 1,336 |
| Total interest expense | $655,000 | 1,146 |
| Net interest income | $4,093,000 | 1,356 |
| Provision for loan and lease losses | $245,000 | 863 |
| Total noninterest income | $770,000 | 1,496 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $254,000 | 1,254 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $516,000 | 1,387 |
| Total noninterest expense | $3,834,000 | 1,312 |
| Salaries and employee benefits | $2,139,000 | 1,273 |
| Premises and equipment expense | $462,000 | 1,326 |
| Additional noninterest expense | $1,233,000 | 1,305 |
| Pre-tax net operating income | $784,000 | 2,118 |
| Securities gains (losses) | $2,000 | 1,528 |
| Applicable income taxes | $204,000 | 1,695 |
| Income before extraordinary items | $582,000 | 2,312 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $552,000 | 2,406 |
| Minority interest net income | $30,000 | 40 |
| Net income of bank and minority interests. | $582,000 | 2,314 |
| Net charge-offs | $287,000 | 735 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $580,520 | 2,284 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $18,994,000 | 1,334 |
| Total interest expense | $3,101,000 | 1,083 |
| Net interest income | $15,893,000 | 1,365 |
| Provision for loan and lease losses | $1,032,000 | 1,064 |
| Total noninterest income | $2,892,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $1,095,000 | 1,241 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,797,000 | 1,644 |
| Total noninterest expense | $14,600,000 | 1,355 |
| Salaries and employee benefits | $7,782,000 | 1,361 |
| Premises and equipment expense | $1,684,000 | 1,413 |
| Additional noninterest expense | $5,134,000 | 1,308 |
| Pre-tax net operating income | $3,153,000 | 2,091 |
| Securities gains (losses) | $365,000 | 600 |
| Applicable income taxes | $917,000 | 1,548 |
| Income before extraordinary items | $2,601,000 | 2,139 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,602,000 | 2,141 |
| Minority interest net income | $-1,000 | 6,793 |
| Net income of bank and minority interests. | $2,601,000 | 2,143 |
| Net charge-offs | $492,000 | 2,028 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $2,330,900 | 2,277 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $14,239,000 | 1,348 |
| Total interest expense | $2,387,000 | 1,096 |
| Net interest income | $11,852,000 | 1,371 |
| Provision for loan and lease losses | $816,000 | 1,035 |
| Total noninterest income | $2,155,000 | 1,694 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $794,000 | 1,293 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,361,000 | 1,668 |
| Total noninterest expense | $10,571,000 | 1,399 |
| Salaries and employee benefits | $5,665,000 | 1,396 |
| Premises and equipment expense | $1,283,000 | 1,398 |
| Additional noninterest expense | $3,623,000 | 1,385 |
| Pre-tax net operating income | $2,620,000 | 1,969 |
| Securities gains (losses) | $116,000 | 1,120 |
| Applicable income taxes | $740,000 | 1,523 |
| Income before extraordinary items | $1,996,000 | 2,139 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,996,000 | 2,146 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,996,000 | 2,146 |
| Net charge-offs | $232,000 | 2,401 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,911,320 | 2,145 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $9,528,000 | 1,331 |
| Total interest expense | $1,650,000 | 1,077 |
| Net interest income | $7,878,000 | 1,367 |
| Provision for loan and lease losses | $600,000 | 990 |
| Total noninterest income | $1,533,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $498,000 | 1,340 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,035,000 | 1,543 |
| Total noninterest expense | $6,942,000 | 1,419 |
| Salaries and employee benefits | $3,707,000 | 1,417 |
| Premises and equipment expense | $848,000 | 1,423 |
| Additional noninterest expense | $2,387,000 | 1,389 |
| Pre-tax net operating income | $1,869,000 | 1,831 |
| Securities gains (losses) | $99,000 | 1,117 |
| Applicable income taxes | $532,000 | 1,451 |
| Income before extraordinary items | $1,436,000 | 2,004 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,436,000 | 2,011 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,436,000 | 2,010 |
| Net charge-offs | $237,000 | 1,922 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,363,730 | 2,006 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $4,769,000 | 1,332 |
| Total interest expense | $856,000 | 1,077 |
| Net interest income | $3,913,000 | 1,371 |
| Provision for loan and lease losses | $324,000 | 943 |
| Total noninterest income | $561,000 | 2,050 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $229,000 | 1,431 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $332,000 | 2,090 |
| Total noninterest expense | $3,414,000 | 1,450 |
| Salaries and employee benefits | $1,843,000 | 1,440 |
| Premises and equipment expense | $432,000 | 1,411 |
| Additional noninterest expense | $1,139,000 | 1,432 |
| Pre-tax net operating income | $736,000 | 2,181 |
| Securities gains (losses) | $39,000 | 1,029 |
| Applicable income taxes | $210,000 | 1,658 |
| Income before extraordinary items | $565,000 | 2,358 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $565,000 | 2,360 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $565,000 | 2,360 |
| Net charge-offs | $139,000 | 1,648 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $536,530 | 2,368 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $18,916,000 | 1,404 |
| Total interest expense | $3,739,000 | 1,199 |
| Net interest income | $15,177,000 | 1,445 |
| Provision for loan and lease losses | $825,000 | 2,024 |
| Total noninterest income | $2,312,000 | 1,978 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,020,000 | 1,395 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,292,000 | 2,028 |
| Total noninterest expense | $13,181,000 | 1,487 |
| Salaries and employee benefits | $7,184,000 | 1,420 |
| Premises and equipment expense | $1,738,000 | 1,361 |
| Additional noninterest expense | $4,259,000 | 1,584 |
| Pre-tax net operating income | $3,483,000 | 1,829 |
| Securities gains (losses) | $375,000 | 1,171 |
| Applicable income taxes | $1,002,000 | 1,468 |
| Income before extraordinary items | $2,856,000 | 1,942 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,856,000 | 1,940 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,856,000 | 1,943 |
| Net charge-offs | $304,000 | 3,288 |
| Cash dividends | $1,200,000 | 1,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,578,500 | 1,987 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $14,113,000 | 1,436 |
| Total interest expense | $2,849,000 | 1,241 |
| Net interest income | $11,264,000 | 1,480 |
| Provision for loan and lease losses | $650,000 | 1,939 |
| Total noninterest income | $1,702,000 | 2,005 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $765,000 | 1,404 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $937,000 | 2,075 |
| Total noninterest expense | $9,729,000 | 1,510 |
| Salaries and employee benefits | $5,368,000 | 1,422 |
| Premises and equipment expense | $1,314,000 | 1,371 |
| Additional noninterest expense | $3,047,000 | 1,649 |
| Pre-tax net operating income | $2,587,000 | 1,917 |
| Securities gains (losses) | $179,000 | 1,515 |
| Applicable income taxes | $692,000 | 1,600 |
| Income before extraordinary items | $2,074,000 | 2,045 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,074,000 | 2,043 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,074,000 | 2,046 |
| Net charge-offs | $197,000 | 3,325 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,939,750 | 2,043 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $9,429,000 | 1,452 |
| Total interest expense | $1,926,000 | 1,261 |
| Net interest income | $7,503,000 | 1,489 |
| Provision for loan and lease losses | $375,000 | 2,150 |
| Total noninterest income | $1,130,000 | 1,983 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $498,000 | 1,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $632,000 | 2,045 |
| Total noninterest expense | $6,620,000 | 1,480 |
| Salaries and employee benefits | $3,711,000 | 1,389 |
| Premises and equipment expense | $873,000 | 1,363 |
| Additional noninterest expense | $2,036,000 | 1,644 |
| Pre-tax net operating income | $1,638,000 | 1,995 |
| Securities gains (losses) | $161,000 | 1,267 |
| Applicable income taxes | $451,000 | 1,589 |
| Income before extraordinary items | $1,348,000 | 2,065 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,348,000 | 2,063 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,348,000 | 2,065 |
| Net charge-offs | $142,000 | 3,103 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,227,250 | 2,106 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,702,000 | 1,465 |
| Total interest expense | $973,000 | 1,298 |
| Net interest income | $3,729,000 | 1,497 |
| Provision for loan and lease losses | $225,000 | 1,839 |
| Total noninterest income | $509,000 | 2,119 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $236,000 | 1,477 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $273,000 | 2,230 |
| Total noninterest expense | $3,347,000 | 1,469 |
| Salaries and employee benefits | $1,926,000 | 1,340 |
| Premises and equipment expense | $457,000 | 1,308 |
| Additional noninterest expense | $964,000 | 1,728 |
| Pre-tax net operating income | $666,000 | 2,347 |
| Securities gains (losses) | $112,000 | 864 |
| Applicable income taxes | $195,000 | 1,757 |
| Income before extraordinary items | $583,000 | 2,311 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $583,000 | 2,313 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $583,000 | 2,314 |
| Net charge-offs | $93,000 | 2,501 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $499,000 | 2,486 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $18,722,000 | 1,525 |
| Total interest expense | $4,177,000 | 1,449 |
| Net interest income | $14,545,000 | 1,537 |
| Provision for loan and lease losses | $940,000 | 2,507 |
| Total noninterest income | $2,090,000 | 1,934 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,040,000 | 1,426 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,050,000 | 2,073 |
| Total noninterest expense | $12,760,000 | 1,532 |
| Salaries and employee benefits | $6,840,000 | 1,449 |
| Premises and equipment expense | $1,720,000 | 1,450 |
| Additional noninterest expense | $4,200,000 | 1,628 |
| Pre-tax net operating income | $2,935,000 | 1,868 |
| Securities gains (losses) | $791,000 | 546 |
| Applicable income taxes | $1,152,000 | 1,227 |
| Income before extraordinary items | $2,574,000 | 1,837 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,574,000 | 1,838 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,574,000 | 1,838 |
| Net charge-offs | $608,000 | 2,940 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $2,028,210 | 2,164 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $14,058,000 | 1,538 |
| Total interest expense | $3,161,000 | 1,498 |
| Net interest income | $10,897,000 | 1,546 |
| Provision for loan and lease losses | $670,000 | 2,506 |
| Total noninterest income | $1,561,000 | 1,945 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $780,000 | 1,434 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $781,000 | 2,076 |
| Total noninterest expense | $9,597,000 | 1,526 |
| Salaries and employee benefits | $5,097,000 | 1,450 |
| Premises and equipment expense | $1,268,000 | 1,487 |
| Additional noninterest expense | $3,232,000 | 1,580 |
| Pre-tax net operating income | $2,191,000 | 1,944 |
| Securities gains (losses) | $791,000 | 433 |
| Applicable income taxes | $910,000 | 1,164 |
| Income before extraordinary items | $2,072,000 | 1,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,072,000 | 1,785 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,072,000 | 1,785 |
| Net charge-offs | $315,000 | 3,191 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,526,210 | 2,191 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,329,000 | 1,560 |
| Total interest expense | $2,128,000 | 1,534 |
| Net interest income | $7,201,000 | 1,559 |
| Provision for loan and lease losses | $525,000 | 2,246 |
| Total noninterest income | $1,125,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $514,000 | 1,420 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $611,000 | 1,850 |
| Total noninterest expense | $6,535,000 | 1,504 |
| Salaries and employee benefits | $3,362,000 | 1,489 |
| Premises and equipment expense | $842,000 | 1,501 |
| Additional noninterest expense | $2,331,000 | 1,490 |
| Pre-tax net operating income | $1,266,000 | 2,144 |
| Securities gains (losses) | $323,000 | 522 |
| Applicable income taxes | $477,000 | 1,364 |
| Income before extraordinary items | $1,112,000 | 2,078 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,112,000 | 2,078 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,112,000 | 2,078 |
| Net charge-offs | $167,000 | 3,300 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $885,900 | 2,408 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,610,000 | 1,589 |
| Total interest expense | $1,062,000 | 1,598 |
| Net interest income | $3,548,000 | 1,574 |
| Provision for loan and lease losses | $263,000 | 2,126 |
| Total noninterest income | $589,000 | 1,770 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $257,000 | 1,396 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $332,000 | 1,786 |
| Total noninterest expense | $3,224,000 | 1,530 |
| Salaries and employee benefits | $1,662,000 | 1,517 |
| Premises and equipment expense | $316,000 | 2,031 |
| Additional noninterest expense | $1,246,000 | 1,401 |
| Pre-tax net operating income | $650,000 | 2,089 |
| Securities gains (losses) | $27,000 | 990 |
| Applicable income taxes | $203,000 | 1,493 |
| Income before extraordinary items | $474,000 | 2,355 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $474,000 | 2,354 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $474,000 | 2,355 |
| Net charge-offs | $144,000 | 2,394 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $455,100 | 2,376 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,261,000 | 1,659 |
| Total interest expense | $4,644,000 | 1,755 |
| Net interest income | $13,617,000 | 1,631 |
| Provision for loan and lease losses | $1,050,000 | 2,967 |
| Total noninterest income | $2,462,000 | 1,784 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,266,000 | 1,187 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,196,000 | 1,956 |
| Total noninterest expense | $11,398,000 | 1,734 |
| Salaries and employee benefits | $5,877,000 | 1,662 |
| Premises and equipment expense | $1,091,000 | 2,295 |
| Additional noninterest expense | $4,430,000 | 1,623 |
| Pre-tax net operating income | $3,631,000 | 1,373 |
| Securities gains (losses) | $212,000 | 1,540 |
| Applicable income taxes | $1,105,000 | 1,141 |
| Income before extraordinary items | $2,738,000 | 1,519 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,738,000 | 1,520 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,738,000 | 1,521 |
| Net charge-offs | $480,000 | 3,708 |
| Cash dividends | $700,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,587,480 | 1,543 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,633,000 | 1,698 |
| Total interest expense | $3,489,000 | 1,815 |
| Net interest income | $10,144,000 | 1,664 |
| Provision for loan and lease losses | $788,000 | 2,874 |
| Total noninterest income | $1,823,000 | 1,810 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $962,000 | 1,214 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $861,000 | 1,982 |
| Total noninterest expense | $8,491,000 | 1,744 |
| Salaries and employee benefits | $4,420,000 | 1,651 |
| Premises and equipment expense | $833,000 | 2,307 |
| Additional noninterest expense | $3,238,000 | 1,647 |
| Pre-tax net operating income | $2,688,000 | 1,461 |
| Securities gains (losses) | $173,000 | 1,490 |
| Applicable income taxes | $857,000 | 1,137 |
| Income before extraordinary items | $2,004,000 | 1,654 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,004,000 | 1,657 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,004,000 | 1,657 |
| Net charge-offs | $283,000 | 3,803 |
| Cash dividends | $700,000 | 1,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,882,900 | 1,663 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,010,000 | 1,743 |
| Total interest expense | $2,318,000 | 1,876 |
| Net interest income | $6,692,000 | 1,683 |
| Provision for loan and lease losses | $525,000 | 2,779 |
| Total noninterest income | $1,239,000 | 1,733 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $662,000 | 1,177 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $577,000 | 1,909 |
| Total noninterest expense | $5,603,000 | 1,767 |
| Salaries and employee benefits | $2,940,000 | 1,682 |
| Premises and equipment expense | $564,000 | 2,280 |
| Additional noninterest expense | $2,099,000 | 1,683 |
| Pre-tax net operating income | $1,803,000 | 1,447 |
| Securities gains (losses) | $29,000 | 2,194 |
| Applicable income taxes | $548,000 | 1,141 |
| Income before extraordinary items | $1,284,000 | 1,694 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,284,000 | 1,693 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,284,000 | 1,694 |
| Net charge-offs | $147,000 | 3,852 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,263,700 | 1,645 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 1,790 |
| Total interest expense | $1,151,000 | 1,990 |
| Net interest income | $3,342,000 | 1,700 |
| Provision for loan and lease losses | $263,000 | 2,604 |
| Total noninterest income | $645,000 | 1,697 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $342,000 | 1,145 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $303,000 | 1,833 |
| Total noninterest expense | $2,773,000 | 1,796 |
| Salaries and employee benefits | $1,501,000 | 1,662 |
| Premises and equipment expense | $272,000 | 2,398 |
| Additional noninterest expense | $1,000,000 | 1,744 |
| Pre-tax net operating income | $951,000 | 1,372 |
| Securities gains (losses) | $12,000 | 1,679 |
| Applicable income taxes | $287,000 | 1,085 |
| Income before extraordinary items | $676,000 | 1,614 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $676,000 | 1,616 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $676,000 | 1,616 |
| Net charge-offs | $61,000 | 3,562 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $667,600 | 1,573 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,959,000 | 1,884 |
| Total interest expense | $5,879,000 | 1,952 |
| Net interest income | $12,080,000 | 1,836 |
| Provision for loan and lease losses | $876,000 | 3,709 |
| Total noninterest income | $2,518,000 | 1,823 |
| Gross Fiduciary activities income | $3,000 | 1,289 |
| Service charges on deposit accounts | $1,405,000 | 1,230 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,110,000 | 2,025 |
| Total noninterest expense | $10,854,000 | 1,875 |
| Salaries and employee benefits | $5,417,000 | 1,830 |
| Premises and equipment expense | $1,075,000 | 2,438 |
| Additional noninterest expense | $4,362,000 | 1,710 |
| Pre-tax net operating income | $2,868,000 | 1,399 |
| Securities gains (losses) | $116,000 | 2,013 |
| Applicable income taxes | $1,152,000 | 869 |
| Income before extraordinary items | $1,832,000 | 1,817 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,832,000 | 1,814 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,832,000 | 1,816 |
| Net charge-offs | $271,000 | 4,626 |
| Cash dividends | $825,000 | 1,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,757,760 | 1,832 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,377,000 | 1,931 |
| Total interest expense | $4,563,000 | 1,986 |
| Net interest income | $8,814,000 | 1,879 |
| Provision for loan and lease losses | $654,000 | 3,393 |
| Total noninterest income | $1,892,000 | 1,851 |
| Gross Fiduciary activities income | $3,000 | 1,227 |
| Service charges on deposit accounts | $978,000 | 1,311 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $911,000 | 1,949 |
| Total noninterest expense | $8,040,000 | 1,881 |
| Salaries and employee benefits | $4,044,000 | 1,852 |
| Premises and equipment expense | $946,000 | 2,137 |
| Additional noninterest expense | $3,050,000 | 1,758 |
| Pre-tax net operating income | $2,012,000 | 1,614 |
| Securities gains (losses) | $21,000 | 2,721 |
| Applicable income taxes | $695,000 | 1,097 |
| Income before extraordinary items | $1,338,000 | 1,991 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,338,000 | 1,990 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,338,000 | 1,991 |
| Net charge-offs | $166,000 | 4,478 |
| Cash dividends | $825,000 | 1,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,324,140 | 1,974 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,940,000 | 1,970 |
| Total interest expense | $3,202,000 | 1,981 |
| Net interest income | $5,738,000 | 1,914 |
| Provision for loan and lease losses | $407,000 | 3,245 |
| Total noninterest income | $1,245,000 | 1,867 |
| Gross Fiduciary activities income | $2,000 | 1,233 |
| Service charges on deposit accounts | $631,000 | 1,345 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $612,000 | 1,967 |
| Total noninterest expense | $5,273,000 | 1,932 |
| Salaries and employee benefits | $2,688,000 | 1,884 |
| Premises and equipment expense | $632,000 | 2,159 |
| Additional noninterest expense | $1,953,000 | 1,843 |
| Pre-tax net operating income | $1,303,000 | 1,710 |
| Securities gains (losses) | $-211,000 | 7,799 |
| Applicable income taxes | $374,000 | 1,327 |
| Income before extraordinary items | $718,000 | 2,430 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $718,000 | 2,428 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $718,000 | 2,430 |
| Net charge-offs | $107,000 | 4,176 |
| Cash dividends | $825,000 | 1,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $857,260 | 2,056 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,459,000 | 1,993 |
| Total interest expense | $1,673,000 | 1,980 |
| Net interest income | $2,786,000 | 1,956 |
| Provision for loan and lease losses | $135,000 | 3,447 |
| Total noninterest income | $655,000 | 1,775 |
| Gross Fiduciary activities income | $2,000 | 1,166 |
| Service charges on deposit accounts | $165,000 | 2,274 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $488,000 | 1,419 |
| Total noninterest expense | $2,523,000 | 1,972 |
| Salaries and employee benefits | $1,372,000 | 1,881 |
| Premises and equipment expense | $317,000 | 2,197 |
| Additional noninterest expense | $834,000 | 1,922 |
| Pre-tax net operating income | $783,000 | 1,639 |
| Securities gains (losses) | $87,000 | 1,066 |
| Applicable income taxes | $242,000 | 1,251 |
| Income before extraordinary items | $628,000 | 1,717 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $628,000 | 1,718 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $628,000 | 1,719 |
| Net charge-offs | $54,000 | 3,467 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $565,360 | 1,796 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,528,000 | 2,060 |
| Total interest expense | $7,412,000 | 2,097 |
| Net interest income | $11,116,000 | 1,997 |
| Provision for loan and lease losses | $820,000 | 3,005 |
| Total noninterest income | $2,415,000 | 1,855 |
| Gross Fiduciary activities income | $11,000 | 1,215 |
| Service charges on deposit accounts | $1,677,000 | 1,060 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $727,000 | 2,594 |
| Total noninterest expense | $9,675,000 | 1,997 |
| Salaries and employee benefits | $5,035,000 | 2,009 |
| Premises and equipment expense | $1,144,000 | 2,343 |
| Additional noninterest expense | $3,496,000 | 1,751 |
| Pre-tax net operating income | $3,036,000 | 1,775 |
| Securities gains (losses) | $-2,190,000 | 7,916 |
| Applicable income taxes | $202,000 | 2,801 |
| Income before extraordinary items | $644,000 | 4,059 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $644,000 | 4,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,603 |
| Cash dividends | $900,000 | 2,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,308,400 | 1,849 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,812,000 | 2,117 |
| Total interest expense | $5,633,000 | 2,153 |
| Net interest income | $8,179,000 | 2,047 |
| Provision for loan and lease losses | $550,000 | 2,590 |
| Total noninterest income | $1,696,000 | 2,021 |
| Gross Fiduciary activities income | $7,000 | 1,205 |
| Service charges on deposit accounts | $1,212,000 | 1,123 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $477,000 | 2,890 |
| Total noninterest expense | $7,113,000 | 2,018 |
| Salaries and employee benefits | $3,762,000 | 2,046 |
| Premises and equipment expense | $854,000 | 2,362 |
| Additional noninterest expense | $2,497,000 | 1,778 |
| Pre-tax net operating income | $2,212,000 | 2,132 |
| Securities gains (losses) | $-2,151,000 | 8,073 |
| Applicable income taxes | $54,000 | 4,059 |
| Income before extraordinary items | $7,000 | 6,573 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $7,000 | 6,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,747 |
| Cash dividends | $900,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,383,640 | 2,598 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,106,000 | 2,162 |
| Total interest expense | $3,817,000 | 2,203 |
| Net interest income | $5,289,000 | 2,104 |
| Provision for loan and lease losses | $280,000 | 2,650 |
| Total noninterest income | $1,176,000 | 1,978 |
| Gross Fiduciary activities income | $5,000 | 1,218 |
| Service charges on deposit accounts | $691,000 | 1,283 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $480,000 | 2,309 |
| Total noninterest expense | $4,801,000 | 1,995 |
| Salaries and employee benefits | $2,511,000 | 2,069 |
| Premises and equipment expense | $588,000 | 2,297 |
| Additional noninterest expense | $1,702,000 | 1,719 |
| Pre-tax net operating income | $1,384,000 | 2,347 |
| Securities gains (losses) | $-342,000 | 8,323 |
| Applicable income taxes | $255,000 | 2,399 |
| Income before extraordinary items | $787,000 | 3,090 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $787,000 | 3,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,615 |
| Cash dividends | $900,000 | 1,547 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,046,920 | 2,436 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,564,000 | 2,205 |
| Total interest expense | $2,006,000 | 2,230 |
| Net interest income | $2,558,000 | 2,162 |
| Provision for loan and lease losses | $145,000 | 2,228 |
| Total noninterest income | $581,000 | 2,006 |
| Gross Fiduciary activities income | $2,000 | 1,203 |
| Service charges on deposit accounts | $133,000 | 2,851 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $446,000 | 1,517 |
| Total noninterest expense | $2,423,000 | 1,980 |
| Salaries and employee benefits | $1,310,000 | 2,015 |
| Premises and equipment expense | $340,000 | 2,001 |
| Additional noninterest expense | $773,000 | 1,821 |
| Pre-tax net operating income | $571,000 | 2,812 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $153,000 | 2,294 |
| Income before extraordinary items | $418,000 | 3,098 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $418,000 | 3,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $900,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $418,000 | 3,019 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,427,000 | 2,367 |
| Total interest expense | $8,135,000 | 2,286 |
| Net interest income | $9,292,000 | 2,393 |
| Provision for loan and lease losses | $365,000 | 2,842 |
| Total noninterest income | $2,350,000 | 1,976 |
| Gross Fiduciary activities income | $7,000 | 1,300 |
| Service charges on deposit accounts | $1,752,000 | 1,022 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $591,000 | 3,020 |
| Total noninterest expense | $9,544,000 | 1,944 |
| Salaries and employee benefits | $5,094,000 | 1,976 |
| Premises and equipment expense | $1,233,000 | 2,110 |
| Additional noninterest expense | $3,217,000 | 1,725 |
| Pre-tax net operating income | $1,733,000 | 3,617 |
| Securities gains (losses) | $379,000 | 308 |
| Applicable income taxes | $469,000 | 2,825 |
| Income before extraordinary items | $1,643,000 | 3,241 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,643,000 | 3,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,171 |
| Cash dividends | $900,000 | 2,792 |
| Sale, conversion, retirement of capital stock, net | $-42,000 | 8,427 |
| Net operating income | $1,347,380 | 3,665 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,986,000 | 2,383 |
| Total interest expense | $6,091,000 | 2,289 |
| Net interest income | $6,895,000 | 2,428 |
| Provision for loan and lease losses | $280,000 | 2,407 |
| Total noninterest income | $1,722,000 | 2,011 |
| Gross Fiduciary activities income | $5,000 | 1,269 |
| Service charges on deposit accounts | $1,254,000 | 1,051 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $463,000 | 2,970 |
| Total noninterest expense | $7,189,000 | 1,912 |
| Salaries and employee benefits | $3,764,000 | 1,995 |
| Premises and equipment expense | $919,000 | 2,109 |
| Additional noninterest expense | $2,506,000 | 1,628 |
| Pre-tax net operating income | $1,148,000 | 4,049 |
| Securities gains (losses) | $108,000 | 480 |
| Applicable income taxes | $285,000 | 3,270 |
| Income before extraordinary items | $971,000 | 3,962 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $971,000 | 3,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 2,498 |
| Cash dividends | $900,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $-42,000 | 8,466 |
| Net operating income | $887,840 | 4,128 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,633,000 | 2,403 |
| Total interest expense | $4,038,000 | 2,307 |
| Net interest income | $4,595,000 | 2,458 |
| Provision for loan and lease losses | $125,000 | 2,906 |
| Total noninterest income | $1,134,000 | 2,044 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $632,000 | 1,396 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $502,000 | 2,237 |
| Total noninterest expense | $4,854,000 | 1,898 |
| Salaries and employee benefits | $2,501,000 | 2,038 |
| Premises and equipment expense | $630,000 | 2,057 |
| Additional noninterest expense | $1,723,000 | 1,570 |
| Pre-tax net operating income | $750,000 | 4,157 |
| Securities gains (losses) | $-4,000 | 7,813 |
| Applicable income taxes | $166,000 | 3,510 |
| Income before extraordinary items | $580,000 | 4,233 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $580,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,634 |
| Cash dividends | $900,000 | 1,666 |
| Sale, conversion, retirement of capital stock, net | $-42,000 | 8,544 |
| Net operating income | $583,120 | 4,207 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,305,000 | 2,408 |
| Total interest expense | $2,025,000 | 2,294 |
| Net interest income | $2,280,000 | 2,476 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $517,000 | 2,160 |
| Gross Fiduciary activities income | $2,000 | 1,213 |
| Service charges on deposit accounts | $368,000 | 1,165 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $147,000 | 3,058 |
| Total noninterest expense | $2,377,000 | 1,945 |
| Salaries and employee benefits | $1,147,000 | 2,243 |
| Premises and equipment expense | $280,000 | 2,337 |
| Additional noninterest expense | $950,000 | 1,410 |
| Pre-tax net operating income | $370,000 | 4,183 |
| Securities gains (losses) | $-3,000 | 8,110 |
| Applicable income taxes | $79,000 | 3,593 |
| Income before extraordinary items | $288,000 | 4,280 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $288,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,512 |
| Cash dividends | $900,000 | 881 |
| Sale, conversion, retirement of capital stock, net | $-42,000 | 8,595 |
| Net operating income | $290,340 | 4,236 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,028,000 | 2,418 |
| Total interest expense | $7,075,000 | 2,261 |
| Net interest income | $8,953,000 | 2,519 |
| Provision for loan and lease losses | $23,000 | 6,241 |
| Total noninterest income | $2,013,000 | 2,213 |
| Gross Fiduciary activities income | $7,000 | 1,322 |
| Service charges on deposit accounts | $1,581,000 | 1,119 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $425,000 | 3,626 |
| Total noninterest expense | $9,360,000 | 1,902 |
| Salaries and employee benefits | $4,554,000 | 2,140 |
| Premises and equipment expense | $1,013,000 | 2,445 |
| Additional noninterest expense | $3,793,000 | 1,396 |
| Pre-tax net operating income | $1,583,000 | 4,177 |
| Securities gains (losses) | $293,000 | 327 |
| Applicable income taxes | $393,000 | 3,456 |
| Income before extraordinary items | $1,483,000 | 3,799 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,483,000 | 3,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,144 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 1,034 |
| Net operating income | $1,251,530 | 4,163 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,889,000 | 2,428 |
| Total interest expense | $5,167,000 | 2,257 |
| Net interest income | $6,722,000 | 2,554 |
| Provision for loan and lease losses | $23,000 | 5,896 |
| Total noninterest income | $1,497,000 | 2,227 |
| Gross Fiduciary activities income | $5,000 | 1,291 |
| Service charges on deposit accounts | $1,199,000 | 1,117 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $293,000 | 3,776 |
| Total noninterest expense | $6,870,000 | 1,923 |
| Salaries and employee benefits | $3,421,000 | 2,150 |
| Premises and equipment expense | $768,000 | 2,422 |
| Additional noninterest expense | $2,681,000 | 1,473 |
| Pre-tax net operating income | $1,326,000 | 4,060 |
| Securities gains (losses) | $-9,000 | 7,556 |
| Applicable income taxes | $258,000 | 3,789 |
| Income before extraordinary items | $1,059,000 | 4,033 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,059,000 | 4,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,754 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,066,200 | 4,006 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,885,000 | 2,410 |
| Total interest expense | $3,382,000 | 2,207 |
| Net interest income | $4,503,000 | 2,539 |
| Provision for loan and lease losses | $23,000 | 5,452 |
| Total noninterest income | $1,024,000 | 2,179 |
| Gross Fiduciary activities income | $2,000 | 1,334 |
| Service charges on deposit accounts | $804,000 | 1,103 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $218,000 | 3,574 |
| Total noninterest expense | $4,551,000 | 1,943 |
| Salaries and employee benefits | $2,244,000 | 2,184 |
| Premises and equipment expense | $524,000 | 2,365 |
| Additional noninterest expense | $1,783,000 | 1,488 |
| Pre-tax net operating income | $953,000 | 3,908 |
| Securities gains (losses) | $-9,000 | 7,829 |
| Applicable income taxes | $172,000 | 3,811 |
| Income before extraordinary items | $772,000 | 3,828 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $772,000 | 3,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 2,844 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $779,380 | 3,806 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,913,000 | 2,371 |
| Total interest expense | $1,645,000 | 2,162 |
| Net interest income | $2,268,000 | 2,505 |
| Provision for loan and lease losses | $22,000 | 4,442 |
| Total noninterest income | $500,000 | 2,189 |
| Gross Fiduciary activities income | $2,000 | 1,247 |
| Service charges on deposit accounts | $402,000 | 1,070 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,801 |
| Total noninterest expense | $2,330,000 | 1,913 |
| Salaries and employee benefits | $1,170,000 | 2,102 |
| Premises and equipment expense | $266,000 | 2,343 |
| Additional noninterest expense | $894,000 | 1,472 |
| Pre-tax net operating income | $416,000 | 4,186 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $59,000 | 4,298 |
| Income before extraordinary items | $355,000 | 3,990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $355,000 | 3,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $356,720 | 3,963 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,266,000 | 2,178 |
| Total interest expense | $5,990,000 | 1,884 |
| Net interest income | $9,276,000 | 2,386 |
| Provision for loan and lease losses | $311,000 | 2,741 |
| Total noninterest income | $1,796,000 | 2,377 |
| Gross Fiduciary activities income | $4,000 | 1,396 |
| Service charges on deposit accounts | $1,521,000 | 1,170 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $271,000 | 4,558 |
| Total noninterest expense | $9,630,000 | 1,763 |
| Salaries and employee benefits | $4,690,000 | 1,963 |
| Premises and equipment expense | $984,000 | 2,399 |
| Additional noninterest expense | $3,956,000 | 1,301 |
| Pre-tax net operating income | $1,131,000 | 5,035 |
| Securities gains (losses) | $-205,000 | 8,584 |
| Applicable income taxes | $143,000 | 5,049 |
| Income before extraordinary items | $783,000 | 5,388 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $783,000 | 5,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $458,000 | 1,250 |
| Cash dividends | $900,000 | 2,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $957,250 | 4,907 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,437,000 | 2,129 |
| Total interest expense | $4,388,000 | 1,821 |
| Net interest income | $7,049,000 | 2,327 |
| Provision for loan and lease losses | $228,000 | 2,692 |
| Total noninterest income | $1,361,000 | 2,371 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $1,098,000 | 1,200 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $261,000 | 4,052 |
| Total noninterest expense | $7,114,000 | 1,773 |
| Salaries and employee benefits | $3,494,000 | 1,953 |
| Premises and equipment expense | $732,000 | 2,407 |
| Additional noninterest expense | $2,888,000 | 1,320 |
| Pre-tax net operating income | $1,068,000 | 4,611 |
| Securities gains (losses) | $-192,000 | 8,720 |
| Applicable income taxes | $174,000 | 4,624 |
| Income before extraordinary items | $702,000 | 5,084 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $702,000 | 5,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $254,000 | 1,430 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $855,600 | 4,542 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,554,000 | 2,091 |
| Total interest expense | $2,857,000 | 1,774 |
| Net interest income | $4,697,000 | 2,310 |
| Provision for loan and lease losses | $138,000 | 2,810 |
| Total noninterest income | $834,000 | 2,467 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $682,000 | 1,247 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $151,000 | 4,308 |
| Total noninterest expense | $4,725,000 | 1,763 |
| Salaries and employee benefits | $2,316,000 | 1,953 |
| Premises and equipment expense | $467,000 | 2,480 |
| Additional noninterest expense | $1,942,000 | 1,282 |
| Pre-tax net operating income | $668,000 | 4,735 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $133,000 | 4,417 |
| Income before extraordinary items | $535,000 | 4,714 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $535,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,091 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $535,000 | 4,665 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,731,000 | 2,070 |
| Total interest expense | $1,419,000 | 1,688 |
| Net interest income | $2,312,000 | 2,325 |
| Provision for loan and lease losses | $72,000 | 2,641 |
| Total noninterest income | $410,000 | 2,457 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $312,000 | 1,314 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $2,324,000 | 1,797 |
| Salaries and employee benefits | $1,166,000 | 1,957 |
| Premises and equipment expense | $227,000 | 2,562 |
| Additional noninterest expense | $931,000 | 1,332 |
| Pre-tax net operating income | $326,000 | 4,785 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $92,000 | 3,902 |
| Income before extraordinary items | $235,000 | 5,030 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $235,000 | 5,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,544 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $234,280 | 5,000 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,701,000 | 1,935 |
| Total interest expense | $5,306,000 | 1,549 |
| Net interest income | $9,395,000 | 2,169 |
| Provision for loan and lease losses | $738,000 | 1,392 |
| Total noninterest income | $1,872,000 | 2,302 |
| Gross Fiduciary activities income | $4,000 | 1,430 |
| Service charges on deposit accounts | $1,137,000 | 1,546 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $731,000 | 2,650 |
| Total noninterest expense | $8,915,000 | 1,813 |
| Salaries and employee benefits | $4,409,000 | 1,978 |
| Premises and equipment expense | $953,000 | 2,392 |
| Additional noninterest expense | $3,553,000 | 1,399 |
| Pre-tax net operating income | $1,614,000 | 4,067 |
| Securities gains (losses) | $442,000 | 486 |
| Applicable income taxes | $599,000 | 3,036 |
| Income before extraordinary items | $1,457,000 | 3,709 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,457,000 | 3,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $626,000 | 1,115 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,143,180 | 4,261 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,993,000 | 1,921 |
| Total interest expense | $3,945,000 | 1,532 |
| Net interest income | $7,048,000 | 2,147 |
| Provision for loan and lease losses | $407,000 | 1,741 |
| Total noninterest income | $1,395,000 | 2,320 |
| Gross Fiduciary activities income | $2,000 | 1,430 |
| Service charges on deposit accounts | $832,000 | 1,581 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $561,000 | 2,618 |
| Total noninterest expense | $6,650,000 | 1,817 |
| Salaries and employee benefits | $3,309,000 | 1,974 |
| Premises and equipment expense | $765,000 | 2,244 |
| Additional noninterest expense | $2,576,000 | 1,432 |
| Pre-tax net operating income | $1,386,000 | 3,779 |
| Securities gains (losses) | $238,000 | 689 |
| Applicable income taxes | $470,000 | 3,011 |
| Income before extraordinary items | $1,154,000 | 3,638 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,154,000 | 3,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 1,706 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $985,020 | 3,975 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,341,000 | 1,909 |
| Total interest expense | $2,621,000 | 1,510 |
| Net interest income | $4,720,000 | 2,120 |
| Provision for loan and lease losses | $295,000 | 1,617 |
| Total noninterest income | $853,000 | 2,480 |
| Gross Fiduciary activities income | $2,000 | 1,383 |
| Service charges on deposit accounts | $528,000 | 1,658 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $323,000 | 2,863 |
| Total noninterest expense | $4,406,000 | 1,814 |
| Salaries and employee benefits | $2,202,000 | 1,980 |
| Premises and equipment expense | $517,000 | 2,211 |
| Additional noninterest expense | $1,687,000 | 1,433 |
| Pre-tax net operating income | $872,000 | 3,881 |
| Securities gains (losses) | $154,000 | 774 |
| Applicable income taxes | $298,000 | 3,096 |
| Income before extraordinary items | $728,000 | 3,771 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $728,000 | 3,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,519 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $618,660 | 4,082 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,581,000 | 1,960 |
| Total interest expense | $1,285,000 | 1,558 |
| Net interest income | $2,296,000 | 2,184 |
| Provision for loan and lease losses | $188,000 | 1,215 |
| Total noninterest income | $451,000 | 2,336 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $256,000 | 1,663 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $194,000 | 2,516 |
| Total noninterest expense | $2,170,000 | 1,850 |
| Salaries and employee benefits | $1,113,000 | 1,977 |
| Premises and equipment expense | $269,000 | 2,153 |
| Additional noninterest expense | $788,000 | 1,526 |
| Pre-tax net operating income | $389,000 | 4,150 |
| Securities gains (losses) | $154,000 | 613 |
| Applicable income taxes | $156,000 | 3,014 |
| Income before extraordinary items | $387,000 | 3,597 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $387,000 | 3,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 1,104 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $277,660 | 4,355 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,628,000 | 1,819 |
| Total interest expense | $5,707,000 | 1,571 |
| Net interest income | $9,921,000 | 1,979 |
| Provision for loan and lease losses | $598,000 | 1,886 |
| Total noninterest income | $1,561,000 | 2,766 |
| Gross Fiduciary activities income | $7,000 | 1,410 |
| Service charges on deposit accounts | $964,000 | 1,792 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $590,000 | 3,291 |
| Total noninterest expense | $8,703,000 | 1,818 |
| Salaries and employee benefits | $4,086,000 | 2,081 |
| Premises and equipment expense | $980,000 | 2,295 |
| Additional noninterest expense | $3,637,000 | 1,359 |
| Pre-tax net operating income | $2,181,000 | 3,191 |
| Securities gains (losses) | $439,000 | 825 |
| Applicable income taxes | $790,000 | 2,558 |
| Income before extraordinary items | $1,830,000 | 3,064 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,830,000 | 3,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,988 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,522,700 | 3,361 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,794,000 | 1,844 |
| Total interest expense | $4,374,000 | 1,601 |
| Net interest income | $7,420,000 | 1,984 |
| Provision for loan and lease losses | $492,000 | 1,691 |
| Total noninterest income | $1,251,000 | 2,697 |
| Gross Fiduciary activities income | $7,000 | 1,337 |
| Service charges on deposit accounts | $702,000 | 1,845 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $542,000 | 2,987 |
| Total noninterest expense | $6,526,000 | 1,826 |
| Salaries and employee benefits | $3,009,000 | 2,128 |
| Premises and equipment expense | $738,000 | 2,296 |
| Additional noninterest expense | $2,779,000 | 1,325 |
| Pre-tax net operating income | $1,653,000 | 3,287 |
| Securities gains (losses) | $419,000 | 769 |
| Applicable income taxes | $620,000 | 2,606 |
| Income before extraordinary items | $1,452,000 | 3,030 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,452,000 | 3,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,848 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,158,700 | 3,418 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,065,000 | 1,806 |
| Total interest expense | $3,012,000 | 1,601 |
| Net interest income | $5,053,000 | 1,935 |
| Provision for loan and lease losses | $366,000 | 1,519 |
| Total noninterest income | $779,000 | 2,811 |
| Gross Fiduciary activities income | $6,000 | 1,307 |
| Service charges on deposit accounts | $449,000 | 1,885 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $324,000 | 3,145 |
| Total noninterest expense | $4,387,000 | 1,805 |
| Salaries and employee benefits | $2,000,000 | 2,118 |
| Premises and equipment expense | $492,000 | 2,287 |
| Additional noninterest expense | $1,895,000 | 1,303 |
| Pre-tax net operating income | $1,079,000 | 3,336 |
| Securities gains (losses) | $417,000 | 646 |
| Applicable income taxes | $284,000 | 3,334 |
| Income before extraordinary items | $1,212,000 | 2,550 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,212,000 | 2,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 1,370 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $874,230 | 3,113 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,140,000 | 1,778 |
| Total interest expense | $1,545,000 | 1,597 |
| Net interest income | $2,595,000 | 1,883 |
| Provision for loan and lease losses | $106,000 | 2,255 |
| Total noninterest income | $266,000 | 3,503 |
| Gross Fiduciary activities income | $5,000 | 1,228 |
| Service charges on deposit accounts | $192,000 | 2,085 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $69,000 | 4,643 |
| Total noninterest expense | $2,170,000 | 1,812 |
| Salaries and employee benefits | $1,013,000 | 2,084 |
| Premises and equipment expense | $250,000 | 2,253 |
| Additional noninterest expense | $907,000 | 1,332 |
| Pre-tax net operating income | $585,000 | 3,143 |
| Securities gains (losses) | $62,000 | 1,269 |
| Applicable income taxes | $19,000 | 6,113 |
| Income before extraordinary items | $628,000 | 2,423 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $628,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 1,818 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $567,860 | 2,531 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,008,000 | 1,922 |
| Total interest expense | $6,894,000 | 1,655 |
| Net interest income | $9,114,000 | 2,127 |
| Provision for loan and lease losses | $1,375,000 | 1,017 |
| Total noninterest income | $1,349,000 | 2,831 |
| Gross Fiduciary activities income | $16,000 | 1,333 |
| Service charges on deposit accounts | $757,000 | 2,102 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $576,000 | 3,042 |
| Total noninterest expense | $7,617,000 | 1,974 |
| Salaries and employee benefits | $3,411,000 | 2,343 |
| Premises and equipment expense | $771,000 | 2,757 |
| Additional noninterest expense | $3,435,000 | 1,382 |
| Pre-tax net operating income | $1,471,000 | 4,176 |
| Securities gains (losses) | $390,000 | 764 |
| Applicable income taxes | $514,000 | 3,390 |
| Income before extraordinary items | $1,347,000 | 3,792 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,347,000 | 3,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,574,000 | 651 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,066,200 | 4,308 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,465,000 | 2,084 |
| Total interest expense | $8,493,000 | 1,911 |
| Net interest income | $7,972,000 | 2,249 |
| Provision for loan and lease losses | $708,000 | 1,651 |
| Total noninterest income | $925,000 | 3,525 |
| Gross Fiduciary activities income | $11,000 | 1,408 |
| Service charges on deposit accounts | $634,000 | 2,331 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $280,000 | 4,261 |
| Total noninterest expense | $6,617,000 | 2,171 |
| Salaries and employee benefits | $2,630,000 | 2,830 |
| Premises and equipment expense | $802,000 | 2,625 |
| Additional noninterest expense | $3,185,000 | 1,465 |
| Pre-tax net operating income | $1,572,000 | 3,733 |
| Securities gains (losses) | $749,000 | 478 |
| Applicable income taxes | $666,000 | 2,764 |
| Income before extraordinary items | $1,655,000 | 2,997 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,655,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 2,227 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,123,210 | 3,855 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,040,000 | 2,185 |
| Total interest expense | $8,584,000 | 2,007 |
| Net interest income | $7,456,000 | 2,380 |
| Provision for loan and lease losses | $244,000 | 3,295 |
| Total noninterest income | $960,000 | 3,225 |
| Gross Fiduciary activities income | $6,000 | 1,249 |
| Service charges on deposit accounts | $546,000 | 2,486 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $408,000 | 3,296 |
| Total noninterest expense | $7,559,000 | 1,842 |
| Salaries and employee benefits | $3,257,000 | 2,194 |
| Premises and equipment expense | $639,000 | 3,104 |
| Additional noninterest expense | $3,663,000 | 1,244 |
| Pre-tax net operating income | $613,000 | 6,540 |
| Securities gains (losses) | $2,000 | 1,609 |
| Applicable income taxes | $252,000 | 4,961 |
| Income before extraordinary items | $363,000 | 7,083 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $363,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,263 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $361,720 | 7,088 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,774,000 | 2,210 |
| Total interest expense | $7,104,000 | 2,098 |
| Net interest income | $7,670,000 | 2,304 |
| Provision for loan and lease losses | $373,000 | 2,221 |
| Total noninterest income | $961,000 | 3,182 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $488,000 | 2,685 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $473,000 | 3,063 |
| Total noninterest expense | $7,004,000 | 1,961 |
| Salaries and employee benefits | $2,907,000 | 2,411 |
| Premises and equipment expense | $726,000 | 2,783 |
| Additional noninterest expense | $3,371,000 | 1,371 |
| Pre-tax net operating income | $1,254,000 | 4,638 |
| Securities gains (losses) | $124,000 | 656 |
| Applicable income taxes | $459,000 | 3,807 |
| Income before extraordinary items | $919,000 | 4,685 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $919,000 | 4,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 2,719 |
| Cash dividends | $3,000,000 | 958 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $835,920 | 4,923 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,115,000 | 2,307 |
| Total interest expense | $7,030,000 | 2,156 |
| Net interest income | $7,085,000 | 2,400 |
| Provision for loan and lease losses | $381,000 | 2,145 |
| Total noninterest income | $842,000 | 3,482 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $423,000 | 2,979 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $419,000 | 3,334 |
| Total noninterest expense | $6,357,000 | 2,064 |
| Salaries and employee benefits | $2,794,000 | 2,415 |
| Premises and equipment expense | $594,000 | 3,203 |
| Additional noninterest expense | $2,969,000 | 1,468 |
| Pre-tax net operating income | $1,189,000 | 4,910 |
| Securities gains (losses) | $559,000 | 514 |
| Applicable income taxes | $559,000 | 3,584 |
| Income before extraordinary items | $1,189,000 | 3,957 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,189,000 | 3,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,000 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $808,880 | 5,074 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,225,000 | 2,295 |
| Total interest expense | $6,891,000 | 2,194 |
| Net interest income | $7,334,000 | 2,379 |
| Provision for loan and lease losses | $261,000 | 2,874 |
| Total noninterest income | $852,000 | 3,425 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $378,000 | 3,381 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $474,000 | 2,939 |
| Total noninterest expense | $5,593,000 | 2,306 |
| Salaries and employee benefits | $2,784,000 | 2,385 |
| Premises and equipment expense | $524,000 | 3,562 |
| Additional noninterest expense | $2,285,000 | 1,860 |
| Pre-tax net operating income | $2,332,000 | 3,090 |
| Securities gains (losses) | $335,000 | 534 |
| Applicable income taxes | $813,000 | 2,890 |
| Income before extraordinary items | $1,854,000 | 2,762 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,854,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 1,805 |
| Cash dividends | $3,485,000 | 839 |
| Sale, conversion, retirement of capital stock, net | $624,000 | 508 |
| Net operating income | $1,619,500 | 3,066 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $13,258,000 | 2,516 |
| Total interest expense | $6,445,000 | 2,393 |
| Net interest income | $6,813,000 | 2,584 |
| Provision for loan and lease losses | $636,000 | 1,439 |
| Total noninterest income | $753,000 | 3,867 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $398,000 | 3,353 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $355,000 | 3,662 |
| Total noninterest expense | $5,227,000 | 2,601 |
| Salaries and employee benefits | $2,265,000 | 2,950 |
| Premises and equipment expense | $609,000 | 3,160 |
| Additional noninterest expense | $2,353,000 | 2,122 |
| Pre-tax net operating income | $1,703,000 | 3,918 |
| Securities gains (losses) | $107,000 | 930 |
| Applicable income taxes | $538,000 | 3,913 |
| Income before extraordinary items | $1,272,000 | 3,685 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,272,000 | 3,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,481 |
| Cash dividends | $374,000 | 4,070 |
| Sale, conversion, retirement of capital stock, net | $-50,000 | 11,329 |
| Net operating income | $1,197,100 | 3,837 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,248,000 | 2,731 |
| Total interest expense | $6,259,000 | 2,452 |
| Net interest income | $5,989,000 | 2,978 |
| Provision for loan and lease losses | $103,000 | 4,535 |
| Total noninterest income | $638,000 | 4,380 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $362,000 | 3,661 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $276,000 | 4,212 |
| Total noninterest expense | $5,189,000 | 2,612 |
| Salaries and employee benefits | $2,171,000 | 3,070 |
| Premises and equipment expense | $560,000 | 3,408 |
| Additional noninterest expense | $2,458,000 | 2,026 |
| Pre-tax net operating income | $1,335,000 | 4,865 |
| Securities gains (losses) | $44,000 | 1,402 |
| Applicable income taxes | $389,000 | 5,037 |
| Income before extraordinary items | $990,000 | 4,665 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $990,000 | 4,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,456 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $5,239,000 | 92 |
| Net operating income | $958,320 | 4,747 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,560,000 | 2,874 |
| Total interest expense | $4,697,000 | 2,612 |
| Net interest income | $5,863,000 | 3,061 |
| Provision for loan and lease losses | $65,000 | 5,465 |
| Total noninterest income | $518,000 | 5,161 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $339,000 | 3,945 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $179,000 | 5,633 |
| Total noninterest expense | $4,361,000 | 3,158 |
| Salaries and employee benefits | $1,687,000 | 3,850 |
| Premises and equipment expense | $445,000 | 4,194 |
| Additional noninterest expense | $2,229,000 | 2,355 |
| Pre-tax net operating income | $1,955,000 | 3,496 |
| Securities gains (losses) | $-156,000 | 11,818 |
| Applicable income taxes | $653,000 | 3,269 |
| Income before extraordinary items | $1,146,000 | 4,031 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,146,000 | 4,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,245,840 | 3,757 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,965,000 | 3,095 |
| Total interest expense | $4,062,000 | 3,130 |
| Net interest income | $5,903,000 | 3,072 |
| Provision for loan and lease losses | $33,000 | 8,295 |
| Total noninterest income | $448,000 | 6,015 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $307,000 | 4,337 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $141,000 | 6,763 |
| Total noninterest expense | $3,470,000 | 3,934 |
| Salaries and employee benefits | $1,435,000 | 4,448 |
| Premises and equipment expense | $605,000 | 3,303 |
| Additional noninterest expense | $1,430,000 | 3,646 |
| Pre-tax net operating income | $2,848,000 | 2,416 |
| Securities gains (losses) | $14,000 | 5,105 |
| Applicable income taxes | $1,060,000 | 2,124 |
| Income before extraordinary items | $1,802,000 | 2,760 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,802,000 | 2,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 6,087 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,793,040 | 2,619 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $10,129,000 | 3,448 |
| Total interest expense | $5,204,000 | 3,193 |
| Net interest income | $4,925,000 | 3,697 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $355,000 | 7,050 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $95,000 | 8,668 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $260,000 | 4,843 |
| Total noninterest expense | $3,313,000 | 4,144 |
| Salaries and employee benefits | $1,338,000 | 4,698 |
| Premises and equipment expense | $553,000 | 3,633 |
| Additional noninterest expense | $1,422,000 | 3,752 |
| Pre-tax net operating income | $1,889,000 | 3,279 |
| Securities gains (losses) | $-287,000 | 13,873 |
| Applicable income taxes | $467,000 | 4,225 |
| Income before extraordinary items | $1,135,000 | 4,004 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,135,000 | 4,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,338,770 | 3,180 |
* 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.