Home > Peoples Bank of the South > Income and Expense
Peoples Bank of the South, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,318,000 | 4,423 |
| Total interest expense | $467,000 | 4,092 |
| Net interest income | $2,851,000 | 4,426 |
| Provision for loan and lease losses | $203,000 | 2,560 |
| Total noninterest income | $1,823,000 | 1,920 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $422,000 | 2,185 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,401,000 | 1,631 |
| Total noninterest expense | $3,589,000 | 3,532 |
| Salaries and employee benefits | $1,305,000 | 4,413 |
| Premises and equipment expense | $374,000 | 3,777 |
| Additional noninterest expense | $1,910,000 | 2,402 |
| Pre-tax net operating income | $882,000 | 3,894 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $316,000 | 2,386 |
| Income before extraordinary items | $566,000 | 4,406 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $566,000 | 4,409 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $566,000 | 4,410 |
| Net charge-offs | $-17,000 | 6,236 |
| Cash dividends | $190,000 | 2,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $566,000 | 4,328 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,278,000 | 4,377 |
| Total interest expense | $313,000 | 4,141 |
| Net interest income | $1,965,000 | 4,361 |
| Provision for loan and lease losses | $134,000 | 2,618 |
| Total noninterest income | $1,605,000 | 1,569 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $277,000 | 2,180 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,328,000 | 1,296 |
| Total noninterest expense | $2,694,000 | 3,236 |
| Salaries and employee benefits | $872,000 | 4,435 |
| Premises and equipment expense | $255,000 | 3,743 |
| Additional noninterest expense | $1,567,000 | 1,997 |
| Pre-tax net operating income | $742,000 | 3,466 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $274,000 | 2,117 |
| Income before extraordinary items | $468,000 | 4,053 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $468,000 | 4,056 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $468,000 | 4,056 |
| Net charge-offs | $23,000 | 3,924 |
| Cash dividends | $100,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $468,000 | 3,947 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,123,000 | 4,435 |
| Total interest expense | $151,000 | 4,304 |
| Net interest income | $972,000 | 4,412 |
| Provision for loan and lease losses | $61,000 | 2,586 |
| Total noninterest income | $186,000 | 3,792 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $139,000 | 2,159 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $47,000 | 4,783 |
| Total noninterest expense | $972,000 | 4,066 |
| Salaries and employee benefits | $438,000 | 4,469 |
| Premises and equipment expense | $120,000 | 3,899 |
| Additional noninterest expense | $414,000 | 3,424 |
| Pre-tax net operating income | $125,000 | 5,065 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $48,000 | 3,009 |
| Income before extraordinary items | $77,000 | 5,505 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $77,000 | 5,506 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $77,000 | 5,506 |
| Net charge-offs | $0 | 4,145 |
| Cash dividends | $50,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $77,000 | 5,404 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,686,000 | 4,466 |
| Total interest expense | $762,000 | 4,223 |
| Net interest income | $3,924,000 | 4,457 |
| Provision for loan and lease losses | $67,000 | 5,005 |
| Total noninterest income | $784,000 | 3,684 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $534,000 | 2,353 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $250,000 | 4,312 |
| Total noninterest expense | $4,361,000 | 3,803 |
| Salaries and employee benefits | $2,149,000 | 3,962 |
| Premises and equipment expense | $518,000 | 3,732 |
| Additional noninterest expense | $1,694,000 | 3,500 |
| Pre-tax net operating income | $280,000 | 5,476 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $108,000 | 3,458 |
| Income before extraordinary items | $172,000 | 5,858 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $172,000 | 5,857 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $172,000 | 5,858 |
| Net charge-offs | $-56,000 | 6,873 |
| Cash dividends | $180,000 | 3,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $172,000 | 5,692 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,511,000 | 4,543 |
| Total interest expense | $584,000 | 4,295 |
| Net interest income | $2,927,000 | 4,539 |
| Provision for loan and lease losses | $36,000 | 5,153 |
| Total noninterest income | $567,000 | 3,786 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $395,000 | 2,410 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $172,000 | 4,449 |
| Total noninterest expense | $3,227,000 | 3,859 |
| Salaries and employee benefits | $1,570,000 | 4,038 |
| Premises and equipment expense | $399,000 | 3,711 |
| Additional noninterest expense | $1,258,000 | 3,517 |
| Pre-tax net operating income | $231,000 | 5,571 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $231,000 | 5,591 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $231,000 | 5,590 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $231,000 | 5,590 |
| Net charge-offs | $-94,000 | 7,032 |
| Cash dividends | $90,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $231,000 | 5,413 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,324,000 | 4,598 |
| Total interest expense | $396,000 | 4,355 |
| Net interest income | $1,928,000 | 4,599 |
| Provision for loan and lease losses | $22,000 | 5,080 |
| Total noninterest income | $318,000 | 4,093 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $267,000 | 2,364 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $51,000 | 5,425 |
| Total noninterest expense | $2,071,000 | 3,980 |
| Salaries and employee benefits | $1,079,000 | 3,975 |
| Premises and equipment expense | $262,000 | 3,753 |
| Additional noninterest expense | $730,000 | 3,875 |
| Pre-tax net operating income | $153,000 | 5,583 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $153,000 | 5,613 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $153,000 | 5,612 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $153,000 | 5,612 |
| Net charge-offs | $-6,000 | 6,510 |
| Cash dividends | $90,000 | 3,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $153,000 | 5,432 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,170,000 | 4,626 |
| Total interest expense | $207,000 | 4,375 |
| Net interest income | $963,000 | 4,642 |
| Provision for loan and lease losses | $8,000 | 4,929 |
| Total noninterest income | $142,000 | 4,336 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $137,000 | 2,302 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,000 | 6,528 |
| Total noninterest expense | $1,039,000 | 4,000 |
| Salaries and employee benefits | $533,000 | 4,042 |
| Premises and equipment expense | $151,000 | 3,441 |
| Additional noninterest expense | $355,000 | 3,946 |
| Pre-tax net operating income | $58,000 | 5,846 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $58,000 | 5,890 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $58,000 | 5,890 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $58,000 | 5,890 |
| Net charge-offs | $-18,000 | 6,852 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $58,000 | 5,747 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,689,000 | 4,726 |
| Total interest expense | $1,036,000 | 4,326 |
| Net interest income | $3,653,000 | 4,777 |
| Provision for loan and lease losses | $-297,000 | 7,301 |
| Total noninterest income | $488,000 | 4,449 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $536,000 | 2,436 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-48,000 | 6,822 |
| Total noninterest expense | $4,145,000 | 4,021 |
| Salaries and employee benefits | $2,043,000 | 4,126 |
| Premises and equipment expense | $635,000 | 3,432 |
| Additional noninterest expense | $1,467,000 | 3,911 |
| Pre-tax net operating income | $293,000 | 5,263 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $111,000 | 3,314 |
| Income before extraordinary items | $182,000 | 5,620 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $182,000 | 5,622 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $182,000 | 5,622 |
| Net charge-offs | $-210,000 | 7,295 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $182,000 | 5,501 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,532,000 | 4,770 |
| Total interest expense | $808,000 | 4,338 |
| Net interest income | $2,724,000 | 4,825 |
| Provision for loan and lease losses | $-310,000 | 7,384 |
| Total noninterest income | $312,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $404,000 | 2,437 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-92,000 | 7,051 |
| Total noninterest expense | $2,990,000 | 4,126 |
| Salaries and employee benefits | $1,548,000 | 4,095 |
| Premises and equipment expense | $473,000 | 3,492 |
| Additional noninterest expense | $969,000 | 4,257 |
| Pre-tax net operating income | $356,000 | 4,906 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $105,000 | 3,166 |
| Income before extraordinary items | $251,000 | 5,270 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $251,000 | 5,270 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $251,000 | 5,270 |
| Net charge-offs | $-250,000 | 7,382 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $251,000 | 5,145 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,378,000 | 4,796 |
| Total interest expense | $554,000 | 4,381 |
| Net interest income | $1,824,000 | 4,834 |
| Provision for loan and lease losses | $-310,000 | 7,463 |
| Total noninterest income | $147,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $258,000 | 2,496 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-111,000 | 7,216 |
| Total noninterest expense | $1,951,000 | 4,232 |
| Salaries and employee benefits | $1,036,000 | 4,113 |
| Premises and equipment expense | $318,000 | 3,505 |
| Additional noninterest expense | $597,000 | 4,541 |
| Pre-tax net operating income | $330,000 | 4,483 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $105,000 | 2,832 |
| Income before extraordinary items | $225,000 | 4,852 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $225,000 | 4,851 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $225,000 | 4,852 |
| Net charge-offs | $-287,000 | 7,465 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $225,000 | 4,763 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 4,780 |
| Total interest expense | $281,000 | 4,471 |
| Net interest income | $930,000 | 4,778 |
| Provision for loan and lease losses | $-310,000 | 7,535 |
| Total noninterest income | $-12,000 | 7,342 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $127,000 | 2,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-139,000 | 7,396 |
| Total noninterest expense | $955,000 | 4,314 |
| Salaries and employee benefits | $521,000 | 4,114 |
| Premises and equipment expense | $146,000 | 3,772 |
| Additional noninterest expense | $288,000 | 4,638 |
| Pre-tax net operating income | $273,000 | 3,687 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $87,000 | 2,333 |
| Income before extraordinary items | $186,000 | 4,115 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $186,000 | 4,114 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $186,000 | 4,115 |
| Net charge-offs | $-357,000 | 7,543 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $186,000 | 4,059 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,096,000 | 4,767 |
| Total interest expense | $1,387,000 | 4,454 |
| Net interest income | $3,709,000 | 4,792 |
| Provision for loan and lease losses | $132,000 | 5,767 |
| Total noninterest income | $633,000 | 4,124 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $518,000 | 2,580 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $115,000 | 5,271 |
| Total noninterest expense | $4,638,000 | 3,816 |
| Salaries and employee benefits | $2,172,000 | 3,997 |
| Premises and equipment expense | $650,000 | 3,501 |
| Additional noninterest expense | $1,816,000 | 3,514 |
| Pre-tax net operating income | $-428,000 | 6,215 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-136,000 | 6,894 |
| Income before extraordinary items | $-292,000 | 6,233 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-292,000 | 6,234 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-292,000 | 6,234 |
| Net charge-offs | $685,000 | 3,200 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-292,000 | 6,183 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,849,000 | 4,843 |
| Total interest expense | $1,081,000 | 4,508 |
| Net interest income | $2,768,000 | 4,867 |
| Provision for loan and lease losses | $82,000 | 5,892 |
| Total noninterest income | $477,000 | 4,167 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $392,000 | 2,626 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $85,000 | 5,403 |
| Total noninterest expense | $3,471,000 | 3,823 |
| Salaries and employee benefits | $1,649,000 | 4,000 |
| Premises and equipment expense | $491,000 | 3,532 |
| Additional noninterest expense | $1,331,000 | 3,546 |
| Pre-tax net operating income | $-308,000 | 6,400 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-308,000 | 6,531 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-308,000 | 6,532 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-308,000 | 6,531 |
| Net charge-offs | $641,000 | 2,729 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-308,000 | 6,453 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,598,000 | 4,849 |
| Total interest expense | $753,000 | 4,498 |
| Net interest income | $1,845,000 | 4,878 |
| Provision for loan and lease losses | $82,000 | 5,370 |
| Total noninterest income | $321,000 | 4,117 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $268,000 | 2,580 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $53,000 | 5,522 |
| Total noninterest expense | $2,316,000 | 3,828 |
| Salaries and employee benefits | $1,099,000 | 4,022 |
| Premises and equipment expense | $331,000 | 3,545 |
| Additional noninterest expense | $886,000 | 3,531 |
| Pre-tax net operating income | $-232,000 | 6,481 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-232,000 | 6,607 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-232,000 | 6,609 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-232,000 | 6,608 |
| Net charge-offs | $569,000 | 2,296 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-232,000 | 6,554 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,335,000 | 4,832 |
| Total interest expense | $388,000 | 4,553 |
| Net interest income | $947,000 | 4,831 |
| Provision for loan and lease losses | $7,000 | 6,262 |
| Total noninterest income | $155,000 | 4,197 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $126,000 | 2,692 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $29,000 | 5,481 |
| Total noninterest expense | $1,094,000 | 4,018 |
| Salaries and employee benefits | $546,000 | 4,091 |
| Premises and equipment expense | $162,000 | 3,682 |
| Additional noninterest expense | $386,000 | 3,886 |
| Pre-tax net operating income | $1,000 | 6,236 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $1,000 | 6,374 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,000 | 6,376 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,000 | 6,375 |
| Net charge-offs | $248,000 | 2,229 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,000 | 6,266 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,093,000 | 4,572 |
| Total interest expense | $2,073,000 | 4,339 |
| Net interest income | $4,020,000 | 4,561 |
| Provision for loan and lease losses | $1,110,000 | 3,339 |
| Total noninterest income | $570,000 | 4,474 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $559,000 | 2,667 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $11,000 | 7,168 |
| Total noninterest expense | $4,310,000 | 4,127 |
| Salaries and employee benefits | $2,262,000 | 3,988 |
| Premises and equipment expense | $704,000 | 3,442 |
| Additional noninterest expense | $1,344,000 | 4,403 |
| Pre-tax net operating income | $-830,000 | 6,185 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-359,000 | 6,924 |
| Income before extraordinary items | $-471,000 | 6,063 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-471,000 | 6,063 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-471,000 | 6,064 |
| Net charge-offs | $1,234,000 | 2,605 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-471,000 | 6,056 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,691,000 | 4,561 |
| Total interest expense | $1,620,000 | 4,375 |
| Net interest income | $3,071,000 | 4,512 |
| Provision for loan and lease losses | $810,000 | 3,086 |
| Total noninterest income | $558,000 | 3,984 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $416,000 | 2,692 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $142,000 | 4,865 |
| Total noninterest expense | $3,339,000 | 4,031 |
| Salaries and employee benefits | $1,694,000 | 4,016 |
| Premises and equipment expense | $485,000 | 3,703 |
| Additional noninterest expense | $1,160,000 | 3,960 |
| Pre-tax net operating income | $-520,000 | 6,349 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-233,000 | 7,135 |
| Income before extraordinary items | $-287,000 | 6,224 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-287,000 | 6,225 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-287,000 | 6,224 |
| Net charge-offs | $592,000 | 2,820 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-287,000 | 6,212 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,129,000 | 4,598 |
| Total interest expense | $1,089,000 | 4,485 |
| Net interest income | $2,040,000 | 4,521 |
| Provision for loan and lease losses | $780,000 | 2,365 |
| Total noninterest income | $381,000 | 3,941 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $273,000 | 2,694 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $108,000 | 4,657 |
| Total noninterest expense | $2,152,000 | 4,171 |
| Salaries and employee benefits | $1,123,000 | 4,066 |
| Premises and equipment expense | $304,000 | 3,890 |
| Additional noninterest expense | $725,000 | 4,162 |
| Pre-tax net operating income | $-511,000 | 6,649 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-511,000 | 6,780 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-511,000 | 6,781 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-511,000 | 6,781 |
| Net charge-offs | $340,000 | 2,787 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-511,000 | 6,759 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 4,633 |
| Total interest expense | $555,000 | 4,548 |
| Net interest income | $1,009,000 | 4,553 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $179,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $132,000 | 2,709 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $47,000 | 4,942 |
| Total noninterest expense | $1,019,000 | 4,255 |
| Salaries and employee benefits | $556,000 | 4,127 |
| Premises and equipment expense | $179,000 | 3,512 |
| Additional noninterest expense | $284,000 | 4,577 |
| Pre-tax net operating income | $169,000 | 4,320 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $53,000 | 2,828 |
| Income before extraordinary items | $116,000 | 4,738 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $116,000 | 4,742 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $116,000 | 4,741 |
| Net charge-offs | $9,000 | 4,815 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $116,000 | 4,571 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,288,000 | 4,807 |
| Total interest expense | $2,440,000 | 4,807 |
| Net interest income | $3,848,000 | 4,695 |
| Provision for loan and lease losses | $753,000 | 3,135 |
| Total noninterest income | $619,000 | 4,398 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $578,000 | 2,715 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $41,000 | 6,952 |
| Total noninterest expense | $3,688,000 | 4,480 |
| Salaries and employee benefits | $2,107,000 | 4,281 |
| Premises and equipment expense | $522,000 | 4,344 |
| Additional noninterest expense | $1,059,000 | 4,654 |
| Pre-tax net operating income | $26,000 | 6,226 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $26,000 | 4,165 |
| Income before extraordinary items | $0 | 6,229 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $0 | 6,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,155 |
| Cash dividends | $352,000 | 3,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $0 | 6,365 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,701,000 | 4,892 |
| Total interest expense | $1,821,000 | 4,943 |
| Net interest income | $2,880,000 | 4,735 |
| Provision for loan and lease losses | $237,000 | 3,926 |
| Total noninterest income | $453,000 | 4,556 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $418,000 | 2,806 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $35,000 | 6,964 |
| Total noninterest expense | $2,693,000 | 4,544 |
| Salaries and employee benefits | $1,506,000 | 4,461 |
| Premises and equipment expense | $450,000 | 3,941 |
| Additional noninterest expense | $737,000 | 4,803 |
| Pre-tax net operating income | $403,000 | 5,253 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $118,000 | 3,458 |
| Income before extraordinary items | $285,000 | 5,283 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $285,000 | 5,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,309 |
| Cash dividends | $352,000 | 3,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $285,000 | 5,456 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 4,987 |
| Total interest expense | $1,213,000 | 5,081 |
| Net interest income | $1,883,000 | 4,810 |
| Provision for loan and lease losses | $155,000 | 3,554 |
| Total noninterest income | $342,000 | 4,337 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $269,000 | 2,856 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $73,000 | 5,568 |
| Total noninterest expense | $1,833,000 | 4,510 |
| Salaries and employee benefits | $992,000 | 4,541 |
| Premises and equipment expense | $282,000 | 4,146 |
| Additional noninterest expense | $559,000 | 4,392 |
| Pre-tax net operating income | $237,000 | 5,578 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $66,000 | 3,840 |
| Income before extraordinary items | $171,000 | 5,822 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $171,000 | 5,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,182 |
| Cash dividends | $352,000 | 2,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $171,000 | 5,761 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,533,000 | 5,110 |
| Total interest expense | $623,000 | 5,184 |
| Net interest income | $910,000 | 4,916 |
| Provision for loan and lease losses | $91,000 | 2,842 |
| Total noninterest income | $168,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $134,000 | 2,840 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $34,000 | 5,717 |
| Total noninterest expense | $857,000 | 4,732 |
| Salaries and employee benefits | $472,000 | 4,750 |
| Premises and equipment expense | $128,000 | 4,456 |
| Additional noninterest expense | $257,000 | 4,594 |
| Pre-tax net operating income | $130,000 | 5,661 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $49,000 | 3,578 |
| Income before extraordinary items | $81,000 | 6,109 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $81,000 | 6,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,413 |
| Cash dividends | $352,000 | 1,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $81,000 | 6,013 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,754,000 | 5,363 |
| Total interest expense | $2,442,000 | 5,327 |
| Net interest income | $3,312,000 | 5,225 |
| Provision for loan and lease losses | $388,000 | 2,746 |
| Total noninterest income | $640,000 | 4,497 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $431,000 | 3,379 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $209,000 | 4,974 |
| Total noninterest expense | $3,226,000 | 4,786 |
| Salaries and employee benefits | $1,832,000 | 4,689 |
| Premises and equipment expense | $538,000 | 4,150 |
| Additional noninterest expense | $856,000 | 5,126 |
| Pre-tax net operating income | $338,000 | 6,474 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $46,000 | 4,982 |
| Income before extraordinary items | $292,000 | 6,461 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $292,000 | 6,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $653,000 | 1,398 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $292,000 | 6,443 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 5,425 |
| Total interest expense | $1,813,000 | 5,369 |
| Net interest income | $2,402,000 | 5,349 |
| Provision for loan and lease losses | $133,000 | 3,717 |
| Total noninterest income | $469,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $303,000 | 3,498 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $166,000 | 4,870 |
| Total noninterest expense | $2,273,000 | 4,943 |
| Salaries and employee benefits | $1,234,000 | 5,003 |
| Premises and equipment expense | $442,000 | 3,879 |
| Additional noninterest expense | $597,000 | 5,311 |
| Pre-tax net operating income | $465,000 | 5,907 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $46,000 | 5,004 |
| Income before extraordinary items | $419,000 | 5,734 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $419,000 | 5,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 2,445 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $419,000 | 5,720 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,775,000 | 5,486 |
| Total interest expense | $1,199,000 | 5,382 |
| Net interest income | $1,576,000 | 5,429 |
| Provision for loan and lease losses | $87,000 | 3,577 |
| Total noninterest income | $287,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $195,000 | 3,565 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $92,000 | 5,270 |
| Total noninterest expense | $1,475,000 | 5,063 |
| Salaries and employee benefits | $823,000 | 5,041 |
| Premises and equipment expense | $286,000 | 3,972 |
| Additional noninterest expense | $366,000 | 5,561 |
| Pre-tax net operating income | $301,000 | 6,029 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $58,000 | 4,642 |
| Income before extraordinary items | $243,000 | 6,062 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $243,000 | 6,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,089 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $243,000 | 6,049 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 5,490 |
| Total interest expense | $606,000 | 5,355 |
| Net interest income | $783,000 | 5,461 |
| Provision for loan and lease losses | $42,000 | 3,392 |
| Total noninterest income | $158,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $93,000 | 3,596 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $65,000 | 4,594 |
| Total noninterest expense | $728,000 | 5,117 |
| Salaries and employee benefits | $412,000 | 5,062 |
| Premises and equipment expense | $133,000 | 4,204 |
| Additional noninterest expense | $183,000 | 5,540 |
| Pre-tax net operating income | $171,000 | 5,810 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $45,000 | 4,231 |
| Income before extraordinary items | $126,000 | 5,995 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $126,000 | 5,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,876 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $126,000 | 5,979 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,164,000 | 5,466 |
| Total interest expense | $2,201,000 | 5,149 |
| Net interest income | $2,963,000 | 5,562 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $490,000 | 5,180 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $362,000 | 3,746 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $128,000 | 5,909 |
| Total noninterest expense | $2,839,000 | 5,070 |
| Salaries and employee benefits | $1,567,000 | 5,046 |
| Premises and equipment expense | $452,000 | 4,551 |
| Additional noninterest expense | $820,000 | 5,163 |
| Pre-tax net operating income | $614,000 | 6,146 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $134,000 | 4,731 |
| Income before extraordinary items | $480,000 | 6,229 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $480,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,463 |
| Cash dividends | $317,000 | 4,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $480,000 | 6,226 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,792,000 | 5,521 |
| Total interest expense | $1,606,000 | 5,166 |
| Net interest income | $2,186,000 | 5,663 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $358,000 | 5,243 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $263,000 | 3,838 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $95,000 | 5,936 |
| Total noninterest expense | $2,105,000 | 5,095 |
| Salaries and employee benefits | $1,191,000 | 4,988 |
| Premises and equipment expense | $334,000 | 4,598 |
| Additional noninterest expense | $580,000 | 5,315 |
| Pre-tax net operating income | $439,000 | 6,456 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $95,000 | 4,971 |
| Income before extraordinary items | $344,000 | 6,481 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $344,000 | 6,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,801 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $344,000 | 6,488 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,497,000 | 5,537 |
| Total interest expense | $1,056,000 | 5,088 |
| Net interest income | $1,441,000 | 5,722 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $221,000 | 5,416 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $165,000 | 3,947 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,195 |
| Total noninterest expense | $1,407,000 | 5,100 |
| Salaries and employee benefits | $808,000 | 4,955 |
| Premises and equipment expense | $216,000 | 4,701 |
| Additional noninterest expense | $383,000 | 5,359 |
| Pre-tax net operating income | $255,000 | 6,739 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $45,000 | 5,301 |
| Income before extraordinary items | $210,000 | 6,676 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $210,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 1,348 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $210,000 | 6,681 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,222,000 | 5,555 |
| Total interest expense | $510,000 | 5,062 |
| Net interest income | $712,000 | 5,757 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $103,000 | 5,530 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $81,000 | 3,912 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $22,000 | 6,566 |
| Total noninterest expense | $663,000 | 5,301 |
| Salaries and employee benefits | $386,000 | 5,132 |
| Premises and equipment expense | $105,000 | 4,798 |
| Additional noninterest expense | $172,000 | 5,648 |
| Pre-tax net operating income | $152,000 | 6,393 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $56,000 | 4,357 |
| Income before extraordinary items | $96,000 | 6,799 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $96,000 | 6,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 1,117 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $96,000 | 6,797 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,526,000 | 5,471 |
| Total interest expense | $1,820,000 | 4,709 |
| Net interest income | $2,706,000 | 5,824 |
| Provision for loan and lease losses | $536,000 | 1,794 |
| Total noninterest income | $472,000 | 5,376 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $339,000 | 3,917 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $133,000 | 5,931 |
| Total noninterest expense | $2,630,000 | 5,203 |
| Salaries and employee benefits | $1,394,000 | 5,303 |
| Premises and equipment expense | $437,000 | 4,594 |
| Additional noninterest expense | $799,000 | 5,176 |
| Pre-tax net operating income | $12,000 | 8,208 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $12,000 | 6,486 |
| Income before extraordinary items | $0 | 8,280 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $0 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,355 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $0 | 8,254 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 5,503 |
| Total interest expense | $1,302,000 | 4,708 |
| Net interest income | $2,023,000 | 5,855 |
| Provision for loan and lease losses | $267,000 | 2,436 |
| Total noninterest income | $366,000 | 5,317 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $256,000 | 3,909 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $110,000 | 5,788 |
| Total noninterest expense | $1,852,000 | 5,394 |
| Salaries and employee benefits | $974,000 | 5,499 |
| Premises and equipment expense | $288,000 | 4,976 |
| Additional noninterest expense | $590,000 | 5,180 |
| Pre-tax net operating income | $270,000 | 7,327 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $190,000 | 4,487 |
| Income before extraordinary items | $80,000 | 8,059 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $80,000 | 8,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,377 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $80,000 | 8,030 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 5,535 |
| Total interest expense | $812,000 | 4,740 |
| Net interest income | $1,333,000 | 5,877 |
| Provision for loan and lease losses | $244,000 | 1,820 |
| Total noninterest income | $244,000 | 5,272 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $165,000 | 3,927 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $79,000 | 5,647 |
| Total noninterest expense | $1,209,000 | 5,449 |
| Salaries and employee benefits | $633,000 | 5,575 |
| Premises and equipment expense | $188,000 | 5,028 |
| Additional noninterest expense | $388,000 | 5,189 |
| Pre-tax net operating income | $124,000 | 7,712 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $142,000 | 4,334 |
| Income before extraordinary items | $-18,000 | 8,421 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-18,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,240 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-18,000 | 8,390 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,031,000 | 5,639 |
| Total interest expense | $385,000 | 4,791 |
| Net interest income | $646,000 | 5,993 |
| Provision for loan and lease losses | $9,000 | 5,480 |
| Total noninterest income | $119,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $78,000 | 3,986 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,596 |
| Total noninterest expense | $582,000 | 5,606 |
| Salaries and employee benefits | $292,000 | 5,864 |
| Premises and equipment expense | $91,000 | 5,179 |
| Additional noninterest expense | $199,000 | 5,090 |
| Pre-tax net operating income | $174,000 | 6,269 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $65,000 | 4,405 |
| Income before extraordinary items | $109,000 | 6,743 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $109,000 | 6,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $109,000 | 6,710 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,928,000 | 5,605 |
| Total interest expense | $1,348,000 | 4,795 |
| Net interest income | $2,580,000 | 5,913 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $439,000 | 5,592 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $328,000 | 4,120 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $111,000 | 6,236 |
| Total noninterest expense | $2,147,000 | 5,781 |
| Salaries and employee benefits | $1,165,000 | 5,779 |
| Premises and equipment expense | $324,000 | 5,456 |
| Additional noninterest expense | $658,000 | 5,722 |
| Pre-tax net operating income | $812,000 | 5,756 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $307,000 | 4,140 |
| Income before extraordinary items | $505,000 | 6,338 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $505,000 | 6,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,515 |
| Cash dividends | $199,000 | 4,911 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $505,000 | 6,272 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,917,000 | 5,633 |
| Total interest expense | $986,000 | 4,817 |
| Net interest income | $1,931,000 | 5,909 |
| Provision for loan and lease losses | $32,000 | 5,939 |
| Total noninterest income | $309,000 | 5,745 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $241,000 | 4,185 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $68,000 | 6,593 |
| Total noninterest expense | $1,535,000 | 5,883 |
| Salaries and employee benefits | $830,000 | 5,899 |
| Premises and equipment expense | $233,000 | 5,552 |
| Additional noninterest expense | $472,000 | 5,797 |
| Pre-tax net operating income | $673,000 | 5,602 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $257,000 | 4,031 |
| Income before extraordinary items | $416,000 | 6,222 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $416,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $22,000 | 5,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $416,000 | 6,154 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 5,711 |
| Total interest expense | $641,000 | 4,906 |
| Net interest income | $1,259,000 | 5,994 |
| Provision for loan and lease losses | $5,000 | 6,663 |
| Total noninterest income | $197,000 | 5,855 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $153,000 | 4,277 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $44,000 | 6,668 |
| Total noninterest expense | $1,022,000 | 5,926 |
| Salaries and employee benefits | $569,000 | 5,854 |
| Premises and equipment expense | $149,000 | 5,683 |
| Additional noninterest expense | $304,000 | 5,936 |
| Pre-tax net operating income | $429,000 | 5,692 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $170,000 | 4,043 |
| Income before extraordinary items | $259,000 | 6,364 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $259,000 | 6,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,147 |
| Cash dividends | $22,000 | 4,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $259,000 | 6,277 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $936,000 | 5,799 |
| Total interest expense | $319,000 | 4,985 |
| Net interest income | $617,000 | 6,066 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $89,000 | 6,038 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $71,000 | 4,385 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $512,000 | 5,967 |
| Salaries and employee benefits | $286,000 | 5,878 |
| Premises and equipment expense | $70,000 | 5,876 |
| Additional noninterest expense | $156,000 | 5,881 |
| Pre-tax net operating income | $194,000 | 5,890 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $83,000 | 4,079 |
| Income before extraordinary items | $111,000 | 6,682 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $111,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $111,000 | 6,562 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,683,000 | 5,902 |
| Total interest expense | $1,347,000 | 5,220 |
| Net interest income | $2,336,000 | 6,121 |
| Provision for loan and lease losses | $59,000 | 6,101 |
| Total noninterest income | $328,000 | 6,398 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $251,000 | 4,748 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $77,000 | 6,944 |
| Total noninterest expense | $1,917,000 | 6,135 |
| Salaries and employee benefits | $1,082,000 | 5,989 |
| Premises and equipment expense | $277,000 | 5,900 |
| Additional noninterest expense | $558,000 | 6,207 |
| Pre-tax net operating income | $688,000 | 6,047 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $291,000 | 4,330 |
| Income before extraordinary items | $397,000 | 6,827 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $397,000 | 6,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 772 |
| Net operating income | $397,000 | 6,668 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,737,000 | 5,987 |
| Total interest expense | $1,023,000 | 5,305 |
| Net interest income | $1,714,000 | 6,229 |
| Provision for loan and lease losses | $40,000 | 6,097 |
| Total noninterest income | $246,000 | 6,448 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $181,000 | 4,859 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $65,000 | 6,817 |
| Total noninterest expense | $1,418,000 | 6,131 |
| Salaries and employee benefits | $793,000 | 6,028 |
| Premises and equipment expense | $207,000 | 5,905 |
| Additional noninterest expense | $418,000 | 6,206 |
| Pre-tax net operating income | $502,000 | 6,273 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $184,000 | 4,786 |
| Income before extraordinary items | $318,000 | 6,845 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $318,000 | 6,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 604 |
| Net operating income | $318,000 | 6,670 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,783,000 | 6,095 |
| Total interest expense | $683,000 | 5,423 |
| Net interest income | $1,100,000 | 6,359 |
| Provision for loan and lease losses | $16,000 | 6,529 |
| Total noninterest income | $153,000 | 6,594 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $116,000 | 4,923 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $37,000 | 7,072 |
| Total noninterest expense | $911,000 | 6,294 |
| Salaries and employee benefits | $508,000 | 6,205 |
| Premises and equipment expense | $132,000 | 6,008 |
| Additional noninterest expense | $271,000 | 6,287 |
| Pre-tax net operating income | $326,000 | 6,322 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $115,000 | 4,928 |
| Income before extraordinary items | $211,000 | 6,875 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $211,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,344 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 479 |
| Net operating income | $211,000 | 6,673 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $881,000 | 6,162 |
| Total interest expense | $340,000 | 5,528 |
| Net interest income | $541,000 | 6,416 |
| Provision for loan and lease losses | $7,000 | 6,361 |
| Total noninterest income | $73,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $58,000 | 4,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 7,351 |
| Total noninterest expense | $454,000 | 6,315 |
| Salaries and employee benefits | $250,000 | 6,257 |
| Premises and equipment expense | $63,000 | 6,146 |
| Additional noninterest expense | $141,000 | 6,147 |
| Pre-tax net operating income | $153,000 | 6,427 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $54,000 | 4,991 |
| Income before extraordinary items | $99,000 | 6,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 300 |
| Net operating income | $99,000 | 6,755 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,538,000 | 6,302 |
| Total interest expense | $1,505,000 | 5,711 |
| Net interest income | $2,033,000 | 6,578 |
| Provision for loan and lease losses | $64,000 | 6,398 |
| Total noninterest income | $343,000 | 6,146 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $244,000 | 4,758 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $99,000 | 6,467 |
| Total noninterest expense | $1,801,000 | 6,262 |
| Salaries and employee benefits | $949,000 | 6,320 |
| Premises and equipment expense | $289,000 | 5,697 |
| Additional noninterest expense | $563,000 | 6,143 |
| Pre-tax net operating income | $511,000 | 6,725 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $182,000 | 5,244 |
| Income before extraordinary items | $329,000 | 7,182 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $329,000 | 7,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,491 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $329,000 | 7,076 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,638,000 | 6,648 |
| Total interest expense | $1,950,000 | 6,172 |
| Net interest income | $1,688,000 | 7,001 |
| Provision for loan and lease losses | $252,000 | 3,587 |
| Total noninterest income | $358,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $246,000 | 4,679 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $112,000 | 6,154 |
| Total noninterest expense | $1,513,000 | 6,767 |
| Salaries and employee benefits | $789,000 | 6,830 |
| Premises and equipment expense | $245,000 | 6,143 |
| Additional noninterest expense | $479,000 | 6,589 |
| Pre-tax net operating income | $281,000 | 7,505 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $81,000 | 6,246 |
| Income before extraordinary items | $200,000 | 7,735 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $200,000 | 7,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,067 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $390,000 | 530 |
| Net operating income | $200,000 | 7,615 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,962,000 | 7,456 |
| Total interest expense | $1,630,000 | 6,896 |
| Net interest income | $1,332,000 | 7,795 |
| Provision for loan and lease losses | $367,000 | 2,442 |
| Total noninterest income | $308,000 | 6,235 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 4,998 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $1,202,000 | 7,496 |
| Salaries and employee benefits | $636,000 | 7,515 |
| Premises and equipment expense | $223,000 | 6,414 |
| Additional noninterest expense | $343,000 | 7,604 |
| Pre-tax net operating income | $71,000 | 8,905 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $14,000 | 7,972 |
| Income before extraordinary items | $57,000 | 8,937 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $57,000 | 8,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,795 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $208,000 | 632 |
| Net operating income | $57,000 | 8,920 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 8,536 |
| Total interest expense | $968,000 | 8,260 |
| Net interest income | $1,005,000 | 8,618 |
| Provision for loan and lease losses | $195,000 | 3,609 |
| Total noninterest income | $222,000 | 7,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,013 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,095 |
| Total noninterest expense | $984,000 | 8,177 |
| Salaries and employee benefits | $552,000 | 8,025 |
| Premises and equipment expense | $177,000 | 7,184 |
| Additional noninterest expense | $255,000 | 8,516 |
| Pre-tax net operating income | $48,000 | 9,243 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $15,000 | 8,345 |
| Income before extraordinary items | $33,000 | 9,316 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $33,000 | 9,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,056 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $33,000 | 9,282 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $477,000 | 10,235 |
| Total interest expense | $146,000 | 10,250 |
| Net interest income | $331,000 | 10,166 |
| Provision for loan and lease losses | $91,000 | 5,294 |
| Total noninterest income | $78,000 | 9,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,571 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,120 |
| Total noninterest expense | $639,000 | 9,297 |
| Salaries and employee benefits | $341,000 | 9,352 |
| Premises and equipment expense | $56,000 | 9,684 |
| Additional noninterest expense | $242,000 | 8,682 |
| Pre-tax net operating income | $-321,000 | 10,087 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-92,000 | 10,215 |
| Income before extraordinary items | $-229,000 | 10,069 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-229,000 | 10,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,720 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $2,900,000 | 342 |
| Net operating income | $-229,000 | 10,039 |
* 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.