Home > Polk County Bank > Income and Expense
Polk County Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,868,000 | 5,306 |
| Total interest expense | $590,000 | 5,076 |
| Net interest income | $2,278,000 | 5,274 |
| Provision for loan and lease losses | $1,152,000 | 1,803 |
| Total noninterest income | $1,072,000 | 2,513 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $241,000 | 3,477 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $831,000 | 1,983 |
| Total noninterest expense | $4,475,000 | 3,075 |
| Salaries and employee benefits | $1,873,000 | 3,559 |
| Premises and equipment expense | $673,000 | 2,674 |
| Additional noninterest expense | $1,929,000 | 2,545 |
| Pre-tax net operating income | $-2,277,000 | 7,037 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $17,000 | 4,099 |
| Income before extraordinary items | $-2,294,000 | 7,091 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,294,000 | 7,092 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,294,000 | 7,092 |
| Net charge-offs | $578,000 | 2,511 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,294,000 | 7,076 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,963,000 | 5,287 |
| Total interest expense | $414,000 | 5,067 |
| Net interest income | $1,549,000 | 5,262 |
| Provision for loan and lease losses | $1,152,000 | 1,379 |
| Total noninterest income | $651,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $160,000 | 3,468 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $491,000 | 2,126 |
| Total noninterest expense | $2,960,000 | 3,131 |
| Salaries and employee benefits | $1,273,000 | 3,537 |
| Premises and equipment expense | $437,000 | 2,744 |
| Additional noninterest expense | $1,250,000 | 2,652 |
| Pre-tax net operating income | $-1,912,000 | 7,161 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $17,000 | 3,912 |
| Income before extraordinary items | $-1,929,000 | 7,202 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,929,000 | 7,203 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,929,000 | 7,203 |
| Net charge-offs | $517,000 | 2,106 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,929,000 | 7,193 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $999,000 | 5,265 |
| Total interest expense | $229,000 | 4,949 |
| Net interest income | $770,000 | 5,270 |
| Provision for loan and lease losses | $1,025,000 | 841 |
| Total noninterest income | $452,000 | 2,164 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $83,000 | 3,354 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $369,000 | 1,659 |
| Total noninterest expense | $1,541,000 | 3,038 |
| Salaries and employee benefits | $645,000 | 3,521 |
| Premises and equipment expense | $200,000 | 2,995 |
| Additional noninterest expense | $696,000 | 2,388 |
| Pre-tax net operating income | $-1,344,000 | 7,331 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $50,000 | 2,820 |
| Income before extraordinary items | $-1,394,000 | 7,353 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,394,000 | 7,353 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,394,000 | 7,354 |
| Net charge-offs | $451,000 | 1,421 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-1,394,000 | 7,351 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,962,000 | 4,838 |
| Total interest expense | $1,307,000 | 4,591 |
| Net interest income | $3,655,000 | 4,838 |
| Provision for loan and lease losses | $375,000 | 4,529 |
| Total noninterest income | $-526,000 | 7,491 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $416,000 | 2,999 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-942,000 | 7,483 |
| Total noninterest expense | $5,687,000 | 3,246 |
| Salaries and employee benefits | $2,417,000 | 3,673 |
| Premises and equipment expense | $927,000 | 2,644 |
| Additional noninterest expense | $2,343,000 | 2,821 |
| Pre-tax net operating income | $-2,933,000 | 6,906 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-2,933,000 | 6,986 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,933,000 | 6,987 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,933,000 | 6,987 |
| Net charge-offs | $1,621,000 | 2,093 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-2,933,000 | 6,963 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 4,856 |
| Total interest expense | $1,046,000 | 4,588 |
| Net interest income | $2,781,000 | 4,853 |
| Provision for loan and lease losses | $275,000 | 4,429 |
| Total noninterest income | $-353,000 | 7,614 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $321,000 | 3,020 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-674,000 | 7,611 |
| Total noninterest expense | $4,258,000 | 3,256 |
| Salaries and employee benefits | $1,897,000 | 3,589 |
| Premises and equipment expense | $704,000 | 2,644 |
| Additional noninterest expense | $1,657,000 | 2,939 |
| Pre-tax net operating income | $-2,105,000 | 7,083 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,105,000 | 7,153 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,105,000 | 7,151 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,105,000 | 7,153 |
| Net charge-offs | $1,228,000 | 1,970 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,105,000 | 7,130 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,596,000 | 4,852 |
| Total interest expense | $701,000 | 4,686 |
| Net interest income | $1,895,000 | 4,807 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $-440,000 | 7,734 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $223,000 | 2,945 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-663,000 | 7,733 |
| Total noninterest expense | $2,850,000 | 3,235 |
| Salaries and employee benefits | $1,247,000 | 3,647 |
| Premises and equipment expense | $474,000 | 2,627 |
| Additional noninterest expense | $1,129,000 | 2,871 |
| Pre-tax net operating income | $-1,395,000 | 7,136 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-1,395,000 | 7,213 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,395,000 | 7,212 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,395,000 | 7,213 |
| Net charge-offs | $450,000 | 2,561 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,395,000 | 7,201 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,370,000 | 4,753 |
| Total interest expense | $396,000 | 4,502 |
| Net interest income | $974,000 | 4,756 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $163,000 | 4,089 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $108,000 | 3,000 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $55,000 | 4,521 |
| Total noninterest expense | $1,538,000 | 3,094 |
| Salaries and employee benefits | $681,000 | 3,463 |
| Premises and equipment expense | $251,000 | 2,592 |
| Additional noninterest expense | $606,000 | 2,682 |
| Pre-tax net operating income | $-401,000 | 7,094 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-401,000 | 7,180 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-401,000 | 7,182 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-401,000 | 7,181 |
| Net charge-offs | $326,000 | 1,951 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-401,000 | 7,158 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,202,000 | 4,517 |
| Total interest expense | $2,475,000 | 3,921 |
| Net interest income | $3,727,000 | 4,777 |
| Provision for loan and lease losses | $4,380,000 | 1,566 |
| Total noninterest income | $867,000 | 3,602 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $572,000 | 2,624 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $295,000 | 4,013 |
| Total noninterest expense | $7,022,000 | 2,788 |
| Salaries and employee benefits | $2,838,000 | 3,344 |
| Premises and equipment expense | $883,000 | 2,869 |
| Additional noninterest expense | $3,301,000 | 2,160 |
| Pre-tax net operating income | $-6,808,000 | 7,337 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-5,000 | 6,195 |
| Income before extraordinary items | $-6,803,000 | 7,416 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,803,000 | 7,415 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,803,000 | 7,415 |
| Net charge-offs | $3,208,000 | 1,535 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-6,803,000 | 7,426 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,798,000 | 4,485 |
| Total interest expense | $1,977,000 | 3,877 |
| Net interest income | $2,821,000 | 4,755 |
| Provision for loan and lease losses | $4,380,000 | 1,146 |
| Total noninterest income | $1,210,000 | 2,487 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $450,000 | 2,551 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $760,000 | 2,185 |
| Total noninterest expense | $5,047,000 | 2,886 |
| Salaries and employee benefits | $2,321,000 | 3,114 |
| Premises and equipment expense | $689,000 | 2,804 |
| Additional noninterest expense | $2,037,000 | 2,532 |
| Pre-tax net operating income | $-5,396,000 | 7,528 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-5,000 | 6,609 |
| Income before extraordinary items | $-5,391,000 | 7,602 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,391,000 | 7,602 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,391,000 | 7,602 |
| Net charge-offs | $2,689,000 | 1,260 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-5,391,000 | 7,617 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,385,000 | 4,364 |
| Total interest expense | $1,393,000 | 3,859 |
| Net interest income | $1,992,000 | 4,592 |
| Provision for loan and lease losses | $4,380,000 | 832 |
| Total noninterest income | $474,000 | 3,522 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $307,000 | 2,497 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $167,000 | 3,929 |
| Total noninterest expense | $3,233,000 | 3,024 |
| Salaries and employee benefits | $1,553,000 | 3,146 |
| Premises and equipment expense | $461,000 | 2,838 |
| Additional noninterest expense | $1,219,000 | 2,779 |
| Pre-tax net operating income | $-5,147,000 | 7,749 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-5,000 | 6,750 |
| Income before extraordinary items | $-5,142,000 | 7,807 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,142,000 | 7,806 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,142,000 | 7,806 |
| Net charge-offs | $2,467,000 | 987 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-5,142,000 | 7,819 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 4,391 |
| Total interest expense | $749,000 | 3,777 |
| Net interest income | $948,000 | 4,734 |
| Provision for loan and lease losses | $240,000 | 2,611 |
| Total noninterest income | $299,000 | 3,030 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $144,000 | 2,555 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $155,000 | 2,912 |
| Total noninterest expense | $1,374,000 | 3,376 |
| Salaries and employee benefits | $713,000 | 3,411 |
| Premises and equipment expense | $242,000 | 2,750 |
| Additional noninterest expense | $419,000 | 3,447 |
| Pre-tax net operating income | $-367,000 | 7,158 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-367,000 | 7,297 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-367,000 | 7,298 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-367,000 | 7,298 |
| Net charge-offs | $567,000 | 1,287 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-367,000 | 7,254 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,852,000 | 3,575 |
| Total interest expense | $4,224,000 | 3,378 |
| Net interest income | $5,628,000 | 3,641 |
| Provision for loan and lease losses | $2,975,000 | 1,398 |
| Total noninterest income | $537,000 | 4,688 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $713,000 | 2,317 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-176,000 | 8,159 |
| Total noninterest expense | $6,273,000 | 2,949 |
| Salaries and employee benefits | $3,104,000 | 3,156 |
| Premises and equipment expense | $920,000 | 2,821 |
| Additional noninterest expense | $2,249,000 | 2,563 |
| Pre-tax net operating income | $-3,083,000 | 7,605 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-122,000 | 7,125 |
| Income before extraordinary items | $-2,961,000 | 7,603 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,961,000 | 7,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,559,000 | 882 |
| Cash dividends | $468,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,961,000 | 7,672 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,808,000 | 3,487 |
| Total interest expense | $3,242,000 | 3,424 |
| Net interest income | $4,566,000 | 3,468 |
| Provision for loan and lease losses | $2,270,000 | 1,089 |
| Total noninterest income | $711,000 | 3,608 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $513,000 | 2,400 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $198,000 | 4,435 |
| Total noninterest expense | $4,607,000 | 2,985 |
| Salaries and employee benefits | $2,335,000 | 3,178 |
| Premises and equipment expense | $684,000 | 2,867 |
| Additional noninterest expense | $1,588,000 | 2,642 |
| Pre-tax net operating income | $-1,600,000 | 7,767 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-12,000 | 7,313 |
| Income before extraordinary items | $-1,588,000 | 7,744 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,588,000 | 7,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,674,000 | 946 |
| Cash dividends | $257,000 | 3,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,588,000 | 7,829 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,483,000 | 3,398 |
| Total interest expense | $2,319,000 | 3,372 |
| Net interest income | $3,164,000 | 3,351 |
| Provision for loan and lease losses | $2,150,000 | 746 |
| Total noninterest income | $532,000 | 3,381 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $334,000 | 2,436 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $198,000 | 3,789 |
| Total noninterest expense | $3,190,000 | 2,895 |
| Salaries and employee benefits | $1,621,000 | 3,097 |
| Premises and equipment expense | $458,000 | 2,863 |
| Additional noninterest expense | $1,111,000 | 2,503 |
| Pre-tax net operating income | $-1,644,000 | 8,113 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-12,000 | 7,618 |
| Income before extraordinary items | $-1,632,000 | 8,171 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,632,000 | 8,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,413,000 | 695 |
| Cash dividends | $129,000 | 3,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,632,000 | 8,163 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,947,000 | 3,279 |
| Total interest expense | $1,243,000 | 3,370 |
| Net interest income | $1,704,000 | 3,151 |
| Provision for loan and lease losses | $111,000 | 2,585 |
| Total noninterest income | $245,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $155,000 | 2,548 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $90,000 | 3,968 |
| Total noninterest expense | $1,504,000 | 3,052 |
| Salaries and employee benefits | $764,000 | 3,295 |
| Premises and equipment expense | $242,000 | 2,723 |
| Additional noninterest expense | $498,000 | 2,739 |
| Pre-tax net operating income | $334,000 | 3,916 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-12,000 | 7,858 |
| Income before extraordinary items | $346,000 | 3,507 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $346,000 | 3,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,224 |
| Cash dividends | $109,000 | 2,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $346,000 | 3,403 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,959,000 | 3,292 |
| Total interest expense | $5,235,000 | 3,355 |
| Net interest income | $6,724,000 | 3,203 |
| Provision for loan and lease losses | $2,218,000 | 774 |
| Total noninterest income | $1,235,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $819,000 | 2,096 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $416,000 | 3,663 |
| Total noninterest expense | $5,871,000 | 3,017 |
| Salaries and employee benefits | $3,211,000 | 3,058 |
| Premises and equipment expense | $934,000 | 2,716 |
| Additional noninterest expense | $1,726,000 | 3,049 |
| Pre-tax net operating income | $-130,000 | 7,585 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $70,000 | 4,730 |
| Income before extraordinary items | $-200,000 | 7,713 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-200,000 | 7,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,493,000 | 757 |
| Cash dividends | $794,000 | 2,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-200,000 | 7,695 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,871,000 | 3,326 |
| Total interest expense | $3,948,000 | 3,331 |
| Net interest income | $4,923,000 | 3,275 |
| Provision for loan and lease losses | $1,005,000 | 893 |
| Total noninterest income | $1,023,000 | 2,866 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $621,000 | 2,049 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $402,000 | 3,194 |
| Total noninterest expense | $4,495,000 | 2,949 |
| Salaries and employee benefits | $2,542,000 | 2,881 |
| Premises and equipment expense | $714,000 | 2,669 |
| Additional noninterest expense | $1,239,000 | 3,099 |
| Pre-tax net operating income | $446,000 | 5,976 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $56,000 | 4,869 |
| Income before extraordinary items | $390,000 | 5,874 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $390,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $653,000 | 875 |
| Cash dividends | $623,000 | 2,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $390,000 | 5,854 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,821,000 | 3,385 |
| Total interest expense | $2,610,000 | 3,333 |
| Net interest income | $3,211,000 | 3,357 |
| Provision for loan and lease losses | $555,000 | 937 |
| Total noninterest income | $710,000 | 2,807 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $420,000 | 2,027 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $290,000 | 3,075 |
| Total noninterest expense | $3,024,000 | 2,963 |
| Salaries and employee benefits | $1,714,000 | 2,878 |
| Premises and equipment expense | $489,000 | 2,639 |
| Additional noninterest expense | $821,000 | 3,123 |
| Pre-tax net operating income | $342,000 | 5,800 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $38,000 | 4,963 |
| Income before extraordinary items | $304,000 | 5,626 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $304,000 | 5,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 805 |
| Cash dividends | $347,000 | 2,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $304,000 | 5,603 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,861,000 | 3,407 |
| Total interest expense | $1,298,000 | 3,326 |
| Net interest income | $1,563,000 | 3,434 |
| Provision for loan and lease losses | $209,000 | 1,122 |
| Total noninterest income | $298,000 | 3,122 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $214,000 | 1,950 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $84,000 | 4,109 |
| Total noninterest expense | $1,447,000 | 3,076 |
| Salaries and employee benefits | $796,000 | 3,099 |
| Premises and equipment expense | $237,000 | 2,713 |
| Additional noninterest expense | $414,000 | 3,082 |
| Pre-tax net operating income | $205,000 | 5,456 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $13,000 | 5,188 |
| Income before extraordinary items | $192,000 | 5,163 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $192,000 | 5,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 696 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $192,000 | 5,147 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,422,000 | 3,226 |
| Total interest expense | $4,500,000 | 3,291 |
| Net interest income | $6,922,000 | 3,133 |
| Provision for loan and lease losses | $1,298,000 | 806 |
| Total noninterest income | $1,008,000 | 3,529 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $856,000 | 2,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $152,000 | 5,590 |
| Total noninterest expense | $4,910,000 | 3,399 |
| Salaries and employee benefits | $2,697,000 | 3,417 |
| Premises and equipment expense | $568,000 | 3,920 |
| Additional noninterest expense | $1,645,000 | 3,058 |
| Pre-tax net operating income | $1,722,000 | 3,980 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $121,000 | 4,803 |
| Income before extraordinary items | $1,601,000 | 3,623 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,601,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,352,000 | 532 |
| Cash dividends | $1,143,000 | 2,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,601,000 | 3,601 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,501,000 | 3,226 |
| Total interest expense | $3,227,000 | 3,307 |
| Net interest income | $5,274,000 | 3,122 |
| Provision for loan and lease losses | $913,000 | 826 |
| Total noninterest income | $729,000 | 3,623 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $609,000 | 2,095 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $120,000 | 5,522 |
| Total noninterest expense | $3,301,000 | 3,691 |
| Salaries and employee benefits | $1,890,000 | 3,591 |
| Premises and equipment expense | $368,000 | 4,329 |
| Additional noninterest expense | $1,043,000 | 3,493 |
| Pre-tax net operating income | $1,789,000 | 3,355 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $115,000 | 4,785 |
| Income before extraordinary items | $1,674,000 | 2,952 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,674,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $937,000 | 490 |
| Cash dividends | $944,000 | 2,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,674,000 | 2,942 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,582,000 | 3,224 |
| Total interest expense | $2,006,000 | 3,369 |
| Net interest income | $3,576,000 | 3,082 |
| Provision for loan and lease losses | $647,000 | 767 |
| Total noninterest income | $454,000 | 3,747 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $380,000 | 2,194 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $74,000 | 5,701 |
| Total noninterest expense | $2,209,000 | 3,692 |
| Salaries and employee benefits | $1,257,000 | 3,610 |
| Premises and equipment expense | $247,000 | 4,309 |
| Additional noninterest expense | $705,000 | 3,447 |
| Pre-tax net operating income | $1,174,000 | 3,411 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $75,000 | 4,845 |
| Income before extraordinary items | $1,099,000 | 2,991 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,099,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $834,000 | 387 |
| Cash dividends | $619,000 | 2,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,099,000 | 2,977 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,616,000 | 3,320 |
| Total interest expense | $927,000 | 3,451 |
| Net interest income | $1,689,000 | 3,215 |
| Provision for loan and lease losses | $116,000 | 1,810 |
| Total noninterest income | $196,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $170,000 | 2,342 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $977,000 | 4,084 |
| Salaries and employee benefits | $577,000 | 3,869 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $280,000 | 4,112 |
| Pre-tax net operating income | $792,000 | 2,729 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $39,000 | 4,751 |
| Income before extraordinary items | $753,000 | 2,322 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $753,000 | 2,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $241,000 | 2,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $753,000 | 2,294 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,745,000 | 3,496 |
| Total interest expense | $2,703,000 | 3,610 |
| Net interest income | $6,042,000 | 3,403 |
| Provision for loan and lease losses | $570,000 | 1,710 |
| Total noninterest income | $975,000 | 3,626 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $756,000 | 2,214 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $219,000 | 4,993 |
| Total noninterest expense | $3,914,000 | 3,923 |
| Salaries and employee benefits | $2,263,000 | 3,777 |
| Premises and equipment expense | $491,000 | 4,241 |
| Additional noninterest expense | $1,160,000 | 3,952 |
| Pre-tax net operating income | $2,533,000 | 3,134 |
| Securities gains (losses) | $-93,000 | 8,405 |
| Applicable income taxes | $566,000 | 3,165 |
| Income before extraordinary items | $1,874,000 | 3,256 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,874,000 | 3,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,003 |
| Cash dividends | $1,654,000 | 1,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,945,610 | 3,124 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,393,000 | 3,512 |
| Total interest expense | $1,917,000 | 3,621 |
| Net interest income | $4,476,000 | 3,428 |
| Provision for loan and lease losses | $390,000 | 1,762 |
| Total noninterest income | $747,000 | 3,576 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $554,000 | 2,244 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,673 |
| Total noninterest expense | $2,701,000 | 4,155 |
| Salaries and employee benefits | $1,531,000 | 4,028 |
| Premises and equipment expense | $352,000 | 4,350 |
| Additional noninterest expense | $818,000 | 4,115 |
| Pre-tax net operating income | $2,132,000 | 2,915 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $538,000 | 2,819 |
| Income before extraordinary items | $1,594,000 | 2,990 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,594,000 | 2,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,790 |
| Cash dividends | $380,000 | 3,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,594,000 | 2,949 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,197,000 | 3,488 |
| Total interest expense | $1,199,000 | 3,619 |
| Net interest income | $2,998,000 | 3,405 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $442,000 | 3,797 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $359,000 | 2,252 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $83,000 | 5,536 |
| Total noninterest expense | $2,115,000 | 3,659 |
| Salaries and employee benefits | $1,050,000 | 3,930 |
| Premises and equipment expense | $241,000 | 4,256 |
| Additional noninterest expense | $824,000 | 2,938 |
| Pre-tax net operating income | $1,325,000 | 3,028 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $482,000 | 2,323 |
| Income before extraordinary items | $843,000 | 3,509 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $843,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,957 |
| Cash dividends | $290,000 | 3,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $843,000 | 3,463 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 3,643 |
| Total interest expense | $551,000 | 3,751 |
| Net interest income | $1,422,000 | 3,556 |
| Provision for loan and lease losses | $210,000 | 1,084 |
| Total noninterest income | $171,000 | 4,372 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $155,000 | 2,488 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $16,000 | 7,179 |
| Total noninterest expense | $895,000 | 4,186 |
| Salaries and employee benefits | $481,000 | 4,218 |
| Premises and equipment expense | $102,000 | 4,794 |
| Additional noninterest expense | $312,000 | 3,692 |
| Pre-tax net operating income | $488,000 | 3,742 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $457,000 | 1,447 |
| Income before extraordinary items | $31,000 | 8,075 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $31,000 | 8,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $210,000 | 2,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $31,000 | 8,047 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,112,000 | 3,760 |
| Total interest expense | $1,811,000 | 3,957 |
| Net interest income | $5,301,000 | 3,643 |
| Provision for loan and lease losses | $432,000 | 2,227 |
| Total noninterest income | $866,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $691,000 | 2,397 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $175,000 | 5,383 |
| Total noninterest expense | $3,750,000 | 3,946 |
| Salaries and employee benefits | $2,124,000 | 3,800 |
| Premises and equipment expense | $569,000 | 3,700 |
| Additional noninterest expense | $1,057,000 | 4,147 |
| Pre-tax net operating income | $1,985,000 | 3,518 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $689,000 | 2,792 |
| Income before extraordinary items | $1,296,000 | 3,994 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,296,000 | 3,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,149 |
| Cash dividends | $115,000 | 5,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,296,000 | 3,943 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,248,000 | 3,773 |
| Total interest expense | $1,312,000 | 4,022 |
| Net interest income | $3,936,000 | 3,647 |
| Provision for loan and lease losses | $340,000 | 2,055 |
| Total noninterest income | $615,000 | 4,013 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $463,000 | 2,657 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $152,000 | 5,098 |
| Total noninterest expense | $2,546,000 | 4,247 |
| Salaries and employee benefits | $1,351,000 | 4,305 |
| Premises and equipment expense | $447,000 | 3,560 |
| Additional noninterest expense | $748,000 | 4,300 |
| Pre-tax net operating income | $1,665,000 | 3,342 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $615,000 | 2,531 |
| Income before extraordinary items | $1,050,000 | 3,892 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,050,000 | 3,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,946 |
| Cash dividends | $115,000 | 4,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,050,000 | 3,816 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,496,000 | 3,774 |
| Total interest expense | $824,000 | 4,194 |
| Net interest income | $2,672,000 | 3,581 |
| Provision for loan and lease losses | $220,000 | 2,035 |
| Total noninterest income | $409,000 | 4,040 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $304,000 | 2,685 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $105,000 | 5,079 |
| Total noninterest expense | $1,736,000 | 4,185 |
| Salaries and employee benefits | $914,000 | 4,262 |
| Premises and equipment expense | $325,000 | 3,329 |
| Additional noninterest expense | $497,000 | 4,335 |
| Pre-tax net operating income | $1,125,000 | 3,271 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $443,000 | 2,392 |
| Income before extraordinary items | $682,000 | 3,907 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $682,000 | 3,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 2,088 |
| Cash dividends | $115,000 | 4,077 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $682,000 | 3,825 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,740,000 | 3,803 |
| Total interest expense | $397,000 | 4,362 |
| Net interest income | $1,343,000 | 3,559 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $181,000 | 4,308 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $132,000 | 2,944 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $49,000 | 5,162 |
| Total noninterest expense | $767,000 | 4,608 |
| Salaries and employee benefits | $411,000 | 4,642 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $261,000 | 4,169 |
| Pre-tax net operating income | $657,000 | 2,849 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $243,000 | 2,241 |
| Income before extraordinary items | $414,000 | 3,415 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $414,000 | 3,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 1,799 |
| Cash dividends | $15,000 | 3,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $414,000 | 3,301 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,826,000 | 3,902 |
| Total interest expense | $1,777,000 | 4,382 |
| Net interest income | $5,049,000 | 3,646 |
| Provision for loan and lease losses | $530,000 | 2,061 |
| Total noninterest income | $981,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $634,000 | 2,589 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $347,000 | 4,235 |
| Total noninterest expense | $3,381,000 | 4,240 |
| Salaries and employee benefits | $2,027,000 | 3,880 |
| Premises and equipment expense | $454,000 | 4,346 |
| Additional noninterest expense | $900,000 | 4,632 |
| Pre-tax net operating income | $2,119,000 | 3,263 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $750,000 | 2,655 |
| Income before extraordinary items | $1,369,000 | 3,794 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,369,000 | 3,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $522,000 | 1,562 |
| Cash dividends | $665,000 | 3,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,369,000 | 3,639 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,342,000 | 3,812 |
| Total interest expense | $1,368,000 | 4,437 |
| Net interest income | $3,974,000 | 3,541 |
| Provision for loan and lease losses | $430,000 | 1,923 |
| Total noninterest income | $524,000 | 4,619 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $483,000 | 2,557 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,480 |
| Total noninterest expense | $2,424,000 | 4,364 |
| Salaries and employee benefits | $1,413,000 | 4,126 |
| Premises and equipment expense | $327,000 | 4,467 |
| Additional noninterest expense | $684,000 | 4,540 |
| Pre-tax net operating income | $1,644,000 | 3,308 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $571,000 | 2,775 |
| Income before extraordinary items | $1,073,000 | 3,818 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,073,000 | 3,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,512 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,073,000 | 3,647 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,533,000 | 3,866 |
| Total interest expense | $930,000 | 4,482 |
| Net interest income | $2,603,000 | 3,586 |
| Provision for loan and lease losses | $356,000 | 1,566 |
| Total noninterest income | $342,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $304,000 | 2,617 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $38,000 | 7,030 |
| Total noninterest expense | $1,548,000 | 4,482 |
| Salaries and employee benefits | $873,000 | 4,342 |
| Premises and equipment expense | $219,000 | 4,445 |
| Additional noninterest expense | $456,000 | 4,553 |
| Pre-tax net operating income | $1,041,000 | 3,423 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $361,000 | 2,901 |
| Income before extraordinary items | $680,000 | 3,946 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $680,000 | 3,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,132 |
| Cash dividends | $215,000 | 3,366 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $680,000 | 3,764 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,687,000 | 4,052 |
| Total interest expense | $480,000 | 4,467 |
| Net interest income | $1,207,000 | 3,802 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $152,000 | 4,860 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $127,000 | 2,959 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 6,569 |
| Total noninterest expense | $774,000 | 4,466 |
| Salaries and employee benefits | $426,000 | 4,425 |
| Premises and equipment expense | $109,000 | 4,452 |
| Additional noninterest expense | $239,000 | 4,360 |
| Pre-tax net operating income | $475,000 | 3,620 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $157,000 | 3,145 |
| Income before extraordinary items | $318,000 | 4,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $318,000 | 4,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,279 |
| Cash dividends | $50,000 | 3,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $318,000 | 3,881 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,814,000 | 4,136 |
| Total interest expense | $2,005,000 | 4,786 |
| Net interest income | $4,809,000 | 3,776 |
| Provision for loan and lease losses | $671,000 | 1,897 |
| Total noninterest income | $595,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $472,000 | 3,121 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $123,000 | 6,013 |
| Total noninterest expense | $3,104,000 | 4,347 |
| Salaries and employee benefits | $1,788,000 | 4,112 |
| Premises and equipment expense | $494,000 | 3,965 |
| Additional noninterest expense | $822,000 | 4,836 |
| Pre-tax net operating income | $1,629,000 | 3,888 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $563,000 | 3,219 |
| Income before extraordinary items | $1,066,000 | 4,416 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,066,000 | 4,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,986 |
| Cash dividends | $157,000 | 5,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,066,000 | 4,309 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,590,000 | 4,627 |
| Total interest expense | $2,791,000 | 5,003 |
| Net interest income | $3,799,000 | 4,290 |
| Provision for loan and lease losses | $450,000 | 2,395 |
| Total noninterest income | $398,000 | 5,692 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $335,000 | 3,881 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $63,000 | 7,311 |
| Total noninterest expense | $2,728,000 | 4,660 |
| Salaries and employee benefits | $1,497,000 | 4,519 |
| Premises and equipment expense | $442,000 | 4,286 |
| Additional noninterest expense | $789,000 | 4,826 |
| Pre-tax net operating income | $1,019,000 | 4,851 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $324,000 | 4,119 |
| Income before extraordinary items | $695,000 | 5,252 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $695,000 | 5,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,683 |
| Cash dividends | $145,000 | 5,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $695,000 | 5,135 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,757,000 | 5,221 |
| Total interest expense | $2,756,000 | 5,232 |
| Net interest income | $3,001,000 | 5,159 |
| Provision for loan and lease losses | $561,000 | 1,710 |
| Total noninterest income | $309,000 | 6,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,389 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $45,000 | 7,994 |
| Total noninterest expense | $2,061,000 | 5,566 |
| Salaries and employee benefits | $1,218,000 | 5,163 |
| Premises and equipment expense | $303,000 | 5,387 |
| Additional noninterest expense | $540,000 | 6,130 |
| Pre-tax net operating income | $688,000 | 6,271 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $196,000 | 5,430 |
| Income before extraordinary items | $492,000 | 6,370 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $492,000 | 6,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,401 |
| Cash dividends | $287,000 | 4,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $492,000 | 6,386 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 6,106 |
| Total interest expense | $1,949,000 | 6,087 |
| Net interest income | $2,341,000 | 6,034 |
| Provision for loan and lease losses | $163,000 | 4,075 |
| Total noninterest income | $219,000 | 7,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $185,000 | 5,332 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,669 |
| Total noninterest expense | $1,810,000 | 6,067 |
| Salaries and employee benefits | $1,034,000 | 5,748 |
| Premises and equipment expense | $328,000 | 5,195 |
| Additional noninterest expense | $448,000 | 6,920 |
| Pre-tax net operating income | $587,000 | 6,757 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $158,000 | 6,174 |
| Income before extraordinary items | $427,000 | 6,836 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $427,000 | 6,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,426 |
| Cash dividends | $240,000 | 4,933 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $428,460 | 6,805 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,427,000 | 7,034 |
| Total interest expense | $1,604,000 | 6,969 |
| Net interest income | $1,823,000 | 7,004 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $197,000 | 7,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $163,000 | 5,710 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,816 |
| Total noninterest expense | $1,485,000 | 6,746 |
| Salaries and employee benefits | $901,000 | 6,205 |
| Premises and equipment expense | $252,000 | 5,932 |
| Additional noninterest expense | $332,000 | 7,825 |
| Pre-tax net operating income | $475,000 | 7,504 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $154,000 | 6,784 |
| Income before extraordinary items | $321,000 | 7,710 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $321,000 | 7,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,466 |
| Cash dividends | $88,000 | 6,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $321,000 | 7,624 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,435,000 | 8,465 |
| Total interest expense | $1,057,000 | 8,533 |
| Net interest income | $1,378,000 | 8,286 |
| Provision for loan and lease losses | $39,000 | 7,061 |
| Total noninterest income | $177,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $135,000 | 6,454 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $1,050,000 | 8,173 |
| Salaries and employee benefits | $641,000 | 7,655 |
| Premises and equipment expense | $80,000 | 9,436 |
| Additional noninterest expense | $329,000 | 8,029 |
| Pre-tax net operating income | $466,000 | 8,109 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $133,000 | 7,866 |
| Income before extraordinary items | $333,000 | 8,127 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $333,000 | 8,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,945 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $333,000 | 8,085 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,219,000 | 9,073 |
| Total interest expense | $998,000 | 9,010 |
| Net interest income | $1,221,000 | 8,985 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $139,000 | 9,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,151 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 10,237 |
| Total noninterest expense | $897,000 | 9,066 |
| Salaries and employee benefits | $525,000 | 8,673 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $301,000 | 8,872 |
| Pre-tax net operating income | $433,000 | 8,313 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $137,000 | 8,089 |
| Income before extraordinary items | $294,000 | 8,474 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $294,000 | 8,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,912 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $295,360 | 8,406 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 9,755 |
| Total interest expense | $902,000 | 9,612 |
| Net interest income | $1,071,000 | 9,714 |
| Provision for loan and lease losses | $102,000 | 4,548 |
| Total noninterest income | $135,000 | 9,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,452 |
| Total noninterest expense | $751,000 | 9,986 |
| Salaries and employee benefits | $472,000 | 9,337 |
| Premises and equipment expense | $71,000 | 10,456 |
| Additional noninterest expense | $208,000 | 10,322 |
| Pre-tax net operating income | $353,000 | 9,368 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $104,000 | 9,095 |
| Income before extraordinary items | $241,000 | 9,495 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $241,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,645 |
| Cash dividends | $50,000 | 7,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $246,600 | 9,430 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,547,000 | 10,646 |
| Total interest expense | $585,000 | 10,667 |
| Net interest income | $962,000 | 10,510 |
| Provision for loan and lease losses | $26,000 | 7,364 |
| Total noninterest income | $117,000 | 10,363 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 8,249 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 11,244 |
| Total noninterest expense | $704,000 | 10,688 |
| Salaries and employee benefits | $415,000 | 10,157 |
| Premises and equipment expense | $83,000 | 10,557 |
| Additional noninterest expense | $206,000 | 11,069 |
| Pre-tax net operating income | $349,000 | 9,740 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $111,000 | 9,116 |
| Income before extraordinary items | $231,000 | 9,913 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $231,000 | 9,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $235,760 | 9,926 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 11,428 |
| Total interest expense | $536,000 | 11,497 |
| Net interest income | $875,000 | 11,257 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $127,000 | 10,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 8,152 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,117 |
| Total noninterest expense | $619,000 | 11,545 |
| Salaries and employee benefits | $369,000 | 10,953 |
| Premises and equipment expense | $56,000 | 11,992 |
| Additional noninterest expense | $194,000 | 11,817 |
| Pre-tax net operating income | $323,000 | 10,035 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $94,000 | 9,895 |
| Income before extraordinary items | $229,000 | 10,283 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $229,000 | 10,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 6,608 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $-252,000 | 13,217 |
| Net operating income | $229,000 | 10,039 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,461,000 | 12,055 |
| Total interest expense | $616,000 | 12,223 |
| Net interest income | $845,000 | 11,728 |
| Provision for loan and lease losses | $54,000 | 8,887 |
| Total noninterest income | $127,000 | 11,002 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 8,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 12,236 |
| Total noninterest expense | $580,000 | 12,176 |
| Salaries and employee benefits | $335,000 | 11,607 |
| Premises and equipment expense | $48,000 | 12,755 |
| Additional noninterest expense | $197,000 | 12,284 |
| Pre-tax net operating income | $338,000 | 9,792 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $145,000 | 8,747 |
| Income before extraordinary items | $211,000 | 10,449 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $211,000 | 10,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 10,870 |
| Cash dividends | $35,000 | 8,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $199,480 | 10,271 |
* 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.