Home > Premier Bank > Income and Expense
Premier Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,125,000 | 2,428 |
| Total interest expense | $1,155,000 | 2,765 |
| Net interest income | $6,970,000 | 2,348 |
| Provision for loan and lease losses | $657,000 | 1,923 |
| Total noninterest income | $1,310,000 | 2,391 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,003,000 | 1,067 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $307,000 | 3,659 |
| Total noninterest expense | $9,551,000 | 1,531 |
| Salaries and employee benefits | $3,377,000 | 2,203 |
| Premises and equipment expense | $1,067,000 | 1,660 |
| Additional noninterest expense | $5,107,000 | 1,018 |
| Pre-tax net operating income | $-1,928,000 | 6,966 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-1,928,000 | 6,990 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,928,000 | 6,987 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,928,000 | 6,989 |
| Net charge-offs | $2,838,000 | 701 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-1,928,000 | 6,974 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,526,000 | 2,403 |
| Total interest expense | $820,000 | 2,718 |
| Net interest income | $4,706,000 | 2,318 |
| Provision for loan and lease losses | $235,000 | 2,788 |
| Total noninterest income | $615,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $650,000 | 1,094 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-35,000 | 6,928 |
| Total noninterest expense | $5,665,000 | 1,713 |
| Salaries and employee benefits | $2,292,000 | 2,177 |
| Premises and equipment expense | $720,000 | 1,655 |
| Additional noninterest expense | $2,653,000 | 1,277 |
| Pre-tax net operating income | $-579,000 | 6,849 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-579,000 | 6,893 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-579,000 | 6,892 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-579,000 | 6,893 |
| Net charge-offs | $1,915,000 | 715 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-579,000 | 6,861 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,830,000 | 2,387 |
| Total interest expense | $448,000 | 2,622 |
| Net interest income | $2,382,000 | 2,301 |
| Provision for loan and lease losses | $9,000 | 4,893 |
| Total noninterest income | $341,000 | 2,724 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $307,000 | 1,147 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $34,000 | 5,214 |
| Total noninterest expense | $2,891,000 | 1,669 |
| Salaries and employee benefits | $1,161,000 | 2,155 |
| Premises and equipment expense | $366,000 | 1,630 |
| Additional noninterest expense | $1,364,000 | 1,232 |
| Pre-tax net operating income | $-177,000 | 6,827 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-177,000 | 6,887 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-177,000 | 6,888 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-177,000 | 6,888 |
| Net charge-offs | $255,000 | 1,636 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-177,000 | 6,848 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,588,000 | 2,222 |
| Total interest expense | $3,308,000 | 1,784 |
| Net interest income | $9,280,000 | 2,362 |
| Provision for loan and lease losses | $8,338,000 | 497 |
| Total noninterest income | $2,206,000 | 1,867 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,550,000 | 948 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $656,000 | 2,739 |
| Total noninterest expense | $13,491,000 | 1,437 |
| Salaries and employee benefits | $5,404,000 | 1,803 |
| Premises and equipment expense | $1,892,000 | 1,315 |
| Additional noninterest expense | $6,195,000 | 1,135 |
| Pre-tax net operating income | $-10,343,000 | 7,217 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-10,343,000 | 7,215 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-10,343,000 | 7,215 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-10,343,000 | 7,215 |
| Net charge-offs | $10,664,000 | 426 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-10,343,000 | 7,212 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,621,000 | 2,212 |
| Total interest expense | $2,670,000 | 1,739 |
| Net interest income | $6,951,000 | 2,365 |
| Provision for loan and lease losses | $7,673,000 | 405 |
| Total noninterest income | $1,981,000 | 1,628 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,161,000 | 949 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $820,000 | 1,996 |
| Total noninterest expense | $10,169,000 | 1,439 |
| Salaries and employee benefits | $4,277,000 | 1,707 |
| Premises and equipment expense | $1,475,000 | 1,288 |
| Additional noninterest expense | $4,417,000 | 1,175 |
| Pre-tax net operating income | $-8,910,000 | 7,323 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-8,910,000 | 7,328 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-8,910,000 | 7,329 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-8,910,000 | 7,329 |
| Net charge-offs | $9,111,000 | 375 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-8,910,000 | 7,320 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,518,000 | 2,189 |
| Total interest expense | $1,882,000 | 1,717 |
| Net interest income | $4,636,000 | 2,365 |
| Provision for loan and lease losses | $5,769,000 | 371 |
| Total noninterest income | $1,552,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $762,000 | 959 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $790,000 | 1,577 |
| Total noninterest expense | $6,735,000 | 1,467 |
| Salaries and employee benefits | $3,077,000 | 1,609 |
| Premises and equipment expense | $979,000 | 1,302 |
| Additional noninterest expense | $2,679,000 | 1,315 |
| Pre-tax net operating income | $-6,316,000 | 7,401 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-6,316,000 | 7,402 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-6,316,000 | 7,402 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-6,316,000 | 7,402 |
| Net charge-offs | $5,560,000 | 423 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-6,316,000 | 7,403 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,350,000 | 2,135 |
| Total interest expense | $955,000 | 1,750 |
| Net interest income | $2,395,000 | 2,280 |
| Provision for loan and lease losses | $3,322,000 | 337 |
| Total noninterest income | $805,000 | 1,412 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $364,000 | 983 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $441,000 | 1,471 |
| Total noninterest expense | $3,425,000 | 1,447 |
| Salaries and employee benefits | $1,600,000 | 1,569 |
| Premises and equipment expense | $497,000 | 1,314 |
| Additional noninterest expense | $1,328,000 | 1,320 |
| Pre-tax net operating income | $-3,547,000 | 7,478 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-3,547,000 | 7,474 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-3,547,000 | 7,474 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-3,547,000 | 7,474 |
| Net charge-offs | $2,606,000 | 455 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-3,547,000 | 7,478 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $17,476,000 | 1,732 |
| Total interest expense | $5,354,000 | 1,548 |
| Net interest income | $12,122,000 | 1,817 |
| Provision for loan and lease losses | $7,850,000 | 818 |
| Total noninterest income | $2,395,000 | 1,819 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,815,000 | 833 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $580,000 | 2,972 |
| Total noninterest expense | $15,198,000 | 1,318 |
| Salaries and employee benefits | $6,629,000 | 1,489 |
| Premises and equipment expense | $2,181,000 | 1,190 |
| Additional noninterest expense | $6,388,000 | 1,159 |
| Pre-tax net operating income | $-8,531,000 | 7,314 |
| Securities gains (losses) | $1,132,000 | 443 |
| Applicable income taxes | $3,625,000 | 466 |
| Income before extraordinary items | $-11,024,000 | 7,402 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-11,024,000 | 7,401 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-11,024,000 | 7,402 |
| Net charge-offs | $6,838,000 | 799 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 933 |
| Net operating income | $-12,156,000 | 7,418 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,752,000 | 1,684 |
| Total interest expense | $4,283,000 | 1,510 |
| Net interest income | $9,469,000 | 1,778 |
| Provision for loan and lease losses | $3,809,000 | 1,085 |
| Total noninterest income | $1,989,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,366,000 | 857 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $623,000 | 2,428 |
| Total noninterest expense | $11,132,000 | 1,343 |
| Salaries and employee benefits | $5,008,000 | 1,482 |
| Premises and equipment expense | $1,659,000 | 1,186 |
| Additional noninterest expense | $4,465,000 | 1,210 |
| Pre-tax net operating income | $-3,483,000 | 7,257 |
| Securities gains (losses) | $806,000 | 493 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-2,677,000 | 7,233 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,677,000 | 7,233 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,677,000 | 7,233 |
| Net charge-offs | $3,567,000 | 989 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 879 |
| Net operating income | $-3,483,000 | 7,310 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,517,000 | 1,663 |
| Total interest expense | $2,864,000 | 1,576 |
| Net interest income | $6,653,000 | 1,697 |
| Provision for loan and lease losses | $2,033,000 | 1,264 |
| Total noninterest income | $1,723,000 | 1,366 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $905,000 | 872 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $818,000 | 1,501 |
| Total noninterest expense | $7,351,000 | 1,356 |
| Salaries and employee benefits | $3,306,000 | 1,504 |
| Premises and equipment expense | $1,115,000 | 1,191 |
| Additional noninterest expense | $2,930,000 | 1,208 |
| Pre-tax net operating income | $-1,008,000 | 7,016 |
| Securities gains (losses) | $143,000 | 1,167 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-865,000 | 7,034 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-865,000 | 7,034 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-865,000 | 7,034 |
| Net charge-offs | $2,989,000 | 831 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 817 |
| Net operating income | $-1,008,000 | 7,072 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,950,000 | 1,629 |
| Total interest expense | $1,479,000 | 1,595 |
| Net interest income | $3,471,000 | 1,637 |
| Provision for loan and lease losses | $596,000 | 1,655 |
| Total noninterest income | $880,000 | 1,360 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $448,000 | 871 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $432,000 | 1,435 |
| Total noninterest expense | $3,641,000 | 1,385 |
| Salaries and employee benefits | $1,709,000 | 1,466 |
| Premises and equipment expense | $548,000 | 1,244 |
| Additional noninterest expense | $1,384,000 | 1,281 |
| Pre-tax net operating income | $114,000 | 4,901 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $114,000 | 4,793 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $114,000 | 4,793 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $114,000 | 4,792 |
| Net charge-offs | $1,946,000 | 657 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 755 |
| Net operating income | $114,000 | 4,686 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $22,004,000 | 1,559 |
| Total interest expense | $8,450,000 | 1,423 |
| Net interest income | $13,554,000 | 1,658 |
| Provision for loan and lease losses | $14,314,000 | 631 |
| Total noninterest income | $3,120,000 | 1,563 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,000,000 | 865 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,120,000 | 2,005 |
| Total noninterest expense | $14,889,000 | 1,374 |
| Salaries and employee benefits | $6,842,000 | 1,471 |
| Premises and equipment expense | $2,261,000 | 1,203 |
| Additional noninterest expense | $5,786,000 | 1,301 |
| Pre-tax net operating income | $-12,529,000 | 7,573 |
| Securities gains (losses) | $68,000 | 2,428 |
| Applicable income taxes | $-2,254,000 | 7,545 |
| Income before extraordinary items | $-10,207,000 | 7,564 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-10,207,000 | 7,563 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-10,207,000 | 7,563 |
| Net charge-offs | $11,023,000 | 639 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $52,000 | 1,053 |
| Net operating income | $-10,262,760 | 7,570 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,845,000 | 1,554 |
| Total interest expense | $6,766,000 | 1,399 |
| Net interest income | $10,079,000 | 1,669 |
| Provision for loan and lease losses | $6,196,000 | 896 |
| Total noninterest income | $1,942,000 | 1,816 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,480,000 | 868 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $462,000 | 2,945 |
| Total noninterest expense | $10,726,000 | 1,426 |
| Salaries and employee benefits | $5,028,000 | 1,509 |
| Premises and equipment expense | $1,710,000 | 1,207 |
| Additional noninterest expense | $3,988,000 | 1,366 |
| Pre-tax net operating income | $-4,901,000 | 7,497 |
| Securities gains (losses) | $68,000 | 2,099 |
| Applicable income taxes | $-2,174,000 | 7,738 |
| Income before extraordinary items | $-2,659,000 | 7,311 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,659,000 | 7,310 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,659,000 | 7,311 |
| Net charge-offs | $4,073,000 | 965 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 978 |
| Net operating income | $-2,702,520 | 7,317 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,390,000 | 1,562 |
| Total interest expense | $4,821,000 | 1,377 |
| Net interest income | $6,569,000 | 1,695 |
| Provision for loan and lease losses | $4,005,000 | 890 |
| Total noninterest income | $902,000 | 2,339 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $948,000 | 896 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-46,000 | 7,906 |
| Total noninterest expense | $7,187,000 | 1,443 |
| Salaries and employee benefits | $3,246,000 | 1,578 |
| Premises and equipment expense | $1,145,000 | 1,233 |
| Additional noninterest expense | $2,796,000 | 1,327 |
| Pre-tax net operating income | $-3,721,000 | 7,640 |
| Securities gains (losses) | $68,000 | 1,716 |
| Applicable income taxes | $-1,645,000 | 7,857 |
| Income before extraordinary items | $-2,008,000 | 7,486 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,008,000 | 7,486 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,008,000 | 7,485 |
| Net charge-offs | $3,182,000 | 823 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 951 |
| Net operating income | $-2,051,520 | 7,490 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,659,000 | 1,598 |
| Total interest expense | $2,573,000 | 1,338 |
| Net interest income | $3,086,000 | 1,802 |
| Provision for loan and lease losses | $1,358,000 | 986 |
| Total noninterest income | $449,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $463,000 | 885 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-14,000 | 8,007 |
| Total noninterest expense | $3,439,000 | 1,456 |
| Salaries and employee benefits | $1,567,000 | 1,651 |
| Premises and equipment expense | $566,000 | 1,259 |
| Additional noninterest expense | $1,306,000 | 1,261 |
| Pre-tax net operating income | $-1,262,000 | 7,704 |
| Securities gains (losses) | $10,000 | 1,902 |
| Applicable income taxes | $-666,000 | 7,924 |
| Income before extraordinary items | $-586,000 | 7,517 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-586,000 | 7,518 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-586,000 | 7,518 |
| Net charge-offs | $749,000 | 1,116 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 842 |
| Net operating income | $-592,400 | 7,499 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,605,000 | 1,514 |
| Total interest expense | $11,392,000 | 1,437 |
| Net interest income | $14,213,000 | 1,577 |
| Provision for loan and lease losses | $6,416,000 | 842 |
| Total noninterest income | $2,479,000 | 1,821 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,215,000 | 797 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $264,000 | 4,331 |
| Total noninterest expense | $13,495,000 | 1,446 |
| Salaries and employee benefits | $6,623,000 | 1,560 |
| Premises and equipment expense | $2,362,000 | 1,169 |
| Additional noninterest expense | $4,510,000 | 1,379 |
| Pre-tax net operating income | $-3,219,000 | 7,627 |
| Securities gains (losses) | $-967,000 | 7,730 |
| Applicable income taxes | $-1,907,000 | 7,902 |
| Income before extraordinary items | $-2,279,000 | 7,458 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,279,000 | 7,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,053,000 | 681 |
| Cash dividends | $705,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 999 |
| Net operating income | $-1,660,120 | 7,367 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,620,000 | 1,525 |
| Total interest expense | $8,652,000 | 1,474 |
| Net interest income | $10,968,000 | 1,546 |
| Provision for loan and lease losses | $2,393,000 | 1,051 |
| Total noninterest income | $2,640,000 | 1,443 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,645,000 | 810 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $995,000 | 1,822 |
| Total noninterest expense | $9,829,000 | 1,480 |
| Salaries and employee benefits | $4,921,000 | 1,592 |
| Premises and equipment expense | $1,773,000 | 1,171 |
| Additional noninterest expense | $3,135,000 | 1,432 |
| Pre-tax net operating income | $1,386,000 | 3,005 |
| Securities gains (losses) | $-967,000 | 7,916 |
| Applicable income taxes | $-125,000 | 7,575 |
| Income before extraordinary items | $544,000 | 4,281 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $544,000 | 4,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,158,000 | 790 |
| Cash dividends | $378,000 | 3,115 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 934 |
| Net operating income | $1,511,000 | 2,429 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,305,000 | 1,520 |
| Total interest expense | $6,018,000 | 1,467 |
| Net interest income | $7,287,000 | 1,534 |
| Provision for loan and lease losses | $1,214,000 | 1,088 |
| Total noninterest income | $1,783,000 | 1,446 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,056,000 | 821 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $727,000 | 1,738 |
| Total noninterest expense | $6,457,000 | 1,499 |
| Salaries and employee benefits | $3,226,000 | 1,630 |
| Premises and equipment expense | $1,170,000 | 1,178 |
| Additional noninterest expense | $2,061,000 | 1,420 |
| Pre-tax net operating income | $1,399,000 | 2,329 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $339,000 | 2,060 |
| Income before extraordinary items | $1,060,000 | 2,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,060,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,410,000 | 697 |
| Cash dividends | $215,000 | 3,341 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 900 |
| Net operating income | $1,060,000 | 2,402 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,930,000 | 1,484 |
| Total interest expense | $3,306,000 | 1,426 |
| Net interest income | $3,624,000 | 1,532 |
| Provision for loan and lease losses | $603,000 | 892 |
| Total noninterest income | $852,000 | 1,495 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $519,000 | 822 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $333,000 | 1,845 |
| Total noninterest expense | $3,062,000 | 1,578 |
| Salaries and employee benefits | $1,576,000 | 1,669 |
| Premises and equipment expense | $570,000 | 1,209 |
| Additional noninterest expense | $916,000 | 1,562 |
| Pre-tax net operating income | $811,000 | 2,132 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $211,000 | 1,899 |
| Income before extraordinary items | $600,000 | 2,317 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $600,000 | 2,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $698,000 | 579 |
| Cash dividends | $215,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 784 |
| Net operating income | $600,000 | 2,243 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,582,000 | 1,454 |
| Total interest expense | $14,781,000 | 1,355 |
| Net interest income | $14,801,000 | 1,537 |
| Provision for loan and lease losses | $2,912,000 | 638 |
| Total noninterest income | $3,835,000 | 1,344 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,194,000 | 814 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,641,000 | 1,573 |
| Total noninterest expense | $12,595,000 | 1,463 |
| Salaries and employee benefits | $6,293,000 | 1,607 |
| Premises and equipment expense | $2,313,000 | 1,142 |
| Additional noninterest expense | $3,989,000 | 1,392 |
| Pre-tax net operating income | $3,129,000 | 2,384 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $815,000 | 2,114 |
| Income before extraordinary items | $2,313,000 | 2,531 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,313,000 | 2,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,135,000 | 588 |
| Cash dividends | $883,000 | 2,840 |
| Sale, conversion, retirement of capital stock, net | $259,000 | 677 |
| Net operating income | $2,313,740 | 2,522 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,340,000 | 1,448 |
| Total interest expense | $11,108,000 | 1,352 |
| Net interest income | $11,232,000 | 1,528 |
| Provision for loan and lease losses | $832,000 | 1,047 |
| Total noninterest income | $2,876,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,604,000 | 820 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,272,000 | 1,533 |
| Total noninterest expense | $9,337,000 | 1,464 |
| Salaries and employee benefits | $4,754,000 | 1,597 |
| Premises and equipment expense | $1,721,000 | 1,155 |
| Additional noninterest expense | $2,862,000 | 1,407 |
| Pre-tax net operating income | $3,939,000 | 1,688 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,285,000 | 1,371 |
| Income before extraordinary items | $2,654,000 | 1,901 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,654,000 | 1,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $365,000 | 1,330 |
| Cash dividends | $434,000 | 3,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,654,000 | 1,886 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,763,000 | 1,477 |
| Total interest expense | $7,269,000 | 1,383 |
| Net interest income | $7,494,000 | 1,542 |
| Provision for loan and lease losses | $272,000 | 1,682 |
| Total noninterest income | $1,898,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,034,000 | 857 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $864,000 | 1,547 |
| Total noninterest expense | $6,259,000 | 1,470 |
| Salaries and employee benefits | $3,169,000 | 1,626 |
| Premises and equipment expense | $1,147,000 | 1,168 |
| Additional noninterest expense | $1,943,000 | 1,393 |
| Pre-tax net operating income | $2,861,000 | 1,614 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $952,000 | 1,316 |
| Income before extraordinary items | $1,909,000 | 1,815 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,909,000 | 1,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 1,840 |
| Cash dividends | $215,000 | 3,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,909,000 | 1,799 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,208,000 | 1,510 |
| Total interest expense | $3,504,000 | 1,418 |
| Net interest income | $3,704,000 | 1,563 |
| Provision for loan and lease losses | $159,000 | 1,372 |
| Total noninterest income | $843,000 | 1,488 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $434,000 | 989 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $409,000 | 1,566 |
| Total noninterest expense | $3,146,000 | 1,467 |
| Salaries and employee benefits | $1,599,000 | 1,623 |
| Premises and equipment expense | $567,000 | 1,193 |
| Additional noninterest expense | $980,000 | 1,365 |
| Pre-tax net operating income | $1,242,000 | 1,815 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $407,000 | 1,502 |
| Income before extraordinary items | $835,000 | 1,987 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $835,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,194 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $835,000 | 1,980 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,933,000 | 1,620 |
| Total interest expense | $10,603,000 | 1,597 |
| Net interest income | $14,330,000 | 1,602 |
| Provision for loan and lease losses | $1,049,000 | 1,005 |
| Total noninterest income | $3,708,000 | 1,363 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,903,000 | 927 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,805,000 | 1,461 |
| Total noninterest expense | $11,711,000 | 1,527 |
| Salaries and employee benefits | $5,915,000 | 1,658 |
| Premises and equipment expense | $2,279,000 | 1,126 |
| Additional noninterest expense | $3,517,000 | 1,500 |
| Pre-tax net operating income | $5,278,000 | 1,797 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,770,000 | 1,465 |
| Income before extraordinary items | $3,508,000 | 2,018 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,508,000 | 2,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,351 |
| Cash dividends | $768,000 | 3,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,508,000 | 2,007 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,828,000 | 1,680 |
| Total interest expense | $7,275,000 | 1,688 |
| Net interest income | $10,553,000 | 1,642 |
| Provision for loan and lease losses | $624,000 | 1,173 |
| Total noninterest income | $2,728,000 | 1,403 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,447,000 | 921 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,281,000 | 1,520 |
| Total noninterest expense | $8,608,000 | 1,560 |
| Salaries and employee benefits | $4,501,000 | 1,645 |
| Premises and equipment expense | $1,609,000 | 1,206 |
| Additional noninterest expense | $2,498,000 | 1,570 |
| Pre-tax net operating income | $4,049,000 | 1,820 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,295,000 | 1,551 |
| Income before extraordinary items | $2,754,000 | 1,976 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,754,000 | 1,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,342 |
| Cash dividends | $551,000 | 2,787 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,754,000 | 1,963 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,178,000 | 1,765 |
| Total interest expense | $4,332,000 | 1,779 |
| Net interest income | $6,846,000 | 1,692 |
| Provision for loan and lease losses | $310,000 | 1,428 |
| Total noninterest income | $1,769,000 | 1,431 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $939,000 | 934 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $830,000 | 1,552 |
| Total noninterest expense | $5,663,000 | 1,586 |
| Salaries and employee benefits | $2,985,000 | 1,658 |
| Premises and equipment expense | $1,048,000 | 1,233 |
| Additional noninterest expense | $1,630,000 | 1,613 |
| Pre-tax net operating income | $2,642,000 | 1,864 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $789,000 | 1,678 |
| Income before extraordinary items | $1,853,000 | 1,965 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,853,000 | 1,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,179 |
| Cash dividends | $332,000 | 2,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,853,000 | 1,946 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,338,000 | 1,806 |
| Total interest expense | $1,964,000 | 1,856 |
| Net interest income | $3,374,000 | 1,711 |
| Provision for loan and lease losses | $162,000 | 1,343 |
| Total noninterest income | $796,000 | 1,522 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $450,000 | 946 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $346,000 | 1,741 |
| Total noninterest expense | $2,797,000 | 1,610 |
| Salaries and employee benefits | $1,518,000 | 1,636 |
| Premises and equipment expense | $518,000 | 1,253 |
| Additional noninterest expense | $761,000 | 1,725 |
| Pre-tax net operating income | $1,211,000 | 1,958 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $360,000 | 1,787 |
| Income before extraordinary items | $851,000 | 2,070 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $851,000 | 2,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,683 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $851,000 | 2,058 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,540,000 | 1,916 |
| Total interest expense | $5,554,000 | 2,017 |
| Net interest income | $11,986,000 | 1,834 |
| Provision for loan and lease losses | $815,000 | 1,243 |
| Total noninterest income | $3,299,000 | 1,483 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,787,000 | 981 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,512,000 | 1,648 |
| Total noninterest expense | $10,206,000 | 1,672 |
| Salaries and employee benefits | $5,618,000 | 1,668 |
| Premises and equipment expense | $1,676,000 | 1,459 |
| Additional noninterest expense | $2,912,000 | 1,736 |
| Pre-tax net operating income | $4,264,000 | 2,122 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $1,516,000 | 1,694 |
| Income before extraordinary items | $2,737,000 | 2,425 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,737,000 | 2,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 2,022 |
| Cash dividends | $307,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,744,040 | 2,390 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,454,000 | 1,965 |
| Total interest expense | $3,816,000 | 2,063 |
| Net interest income | $8,638,000 | 1,903 |
| Provision for loan and lease losses | $607,000 | 1,194 |
| Total noninterest income | $2,422,000 | 1,513 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,331,000 | 986 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,091,000 | 1,708 |
| Total noninterest expense | $7,306,000 | 1,719 |
| Salaries and employee benefits | $4,027,000 | 1,718 |
| Premises and equipment expense | $1,200,000 | 1,518 |
| Additional noninterest expense | $2,079,000 | 1,798 |
| Pre-tax net operating income | $3,147,000 | 2,157 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $1,117,000 | 1,741 |
| Income before extraordinary items | $2,019,000 | 2,465 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,019,000 | 2,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,628 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,026,040 | 2,432 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,833,000 | 2,014 |
| Total interest expense | $2,313,000 | 2,126 |
| Net interest income | $5,520,000 | 1,965 |
| Provision for loan and lease losses | $301,000 | 1,503 |
| Total noninterest income | $1,507,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $877,000 | 972 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $630,000 | 1,865 |
| Total noninterest expense | $4,725,000 | 1,763 |
| Salaries and employee benefits | $2,591,000 | 1,771 |
| Premises and equipment expense | $792,000 | 1,526 |
| Additional noninterest expense | $1,342,000 | 1,842 |
| Pre-tax net operating income | $2,001,000 | 2,190 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $716,000 | 1,759 |
| Income before extraordinary items | $1,274,000 | 2,529 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,274,000 | 2,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 1,240 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,281,040 | 2,475 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,647,000 | 2,119 |
| Total interest expense | $1,035,000 | 2,266 |
| Net interest income | $2,612,000 | 2,064 |
| Provision for loan and lease losses | $117,000 | 1,831 |
| Total noninterest income | $727,000 | 1,600 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $405,000 | 1,019 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $322,000 | 1,815 |
| Total noninterest expense | $2,286,000 | 1,824 |
| Salaries and employee benefits | $1,237,000 | 1,857 |
| Premises and equipment expense | $402,000 | 1,503 |
| Additional noninterest expense | $647,000 | 1,893 |
| Pre-tax net operating income | $936,000 | 2,286 |
| Securities gains (losses) | $-11,000 | 8,547 |
| Applicable income taxes | $335,000 | 1,838 |
| Income before extraordinary items | $590,000 | 2,654 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $590,000 | 2,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-56,000 | 8,672 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $597,040 | 2,594 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,355,000 | 2,521 |
| Total interest expense | $3,386,000 | 2,371 |
| Net interest income | $7,969,000 | 2,556 |
| Provision for loan and lease losses | $621,000 | 1,599 |
| Total noninterest income | $2,281,000 | 2,004 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,446,000 | 1,239 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $835,000 | 2,427 |
| Total noninterest expense | $7,334,000 | 2,172 |
| Salaries and employee benefits | $3,886,000 | 2,240 |
| Premises and equipment expense | $1,301,000 | 1,777 |
| Additional noninterest expense | $2,147,000 | 2,267 |
| Pre-tax net operating income | $2,295,000 | 3,206 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $805,000 | 2,527 |
| Income before extraordinary items | $1,506,000 | 3,628 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,506,000 | 3,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $253,000 | 2,231 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,499,000 | 368 |
| Net operating income | $1,495,600 | 3,587 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,145,000 | 2,584 |
| Total interest expense | $2,429,000 | 2,409 |
| Net interest income | $5,716,000 | 2,621 |
| Provision for loan and lease losses | $402,000 | 1,762 |
| Total noninterest income | $1,577,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,026,000 | 1,308 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $551,000 | 2,647 |
| Total noninterest expense | $5,204,000 | 2,282 |
| Salaries and employee benefits | $2,761,000 | 2,343 |
| Premises and equipment expense | $944,000 | 1,837 |
| Additional noninterest expense | $1,499,000 | 2,393 |
| Pre-tax net operating income | $1,687,000 | 3,311 |
| Securities gains (losses) | $16,000 | 2,442 |
| Applicable income taxes | $592,000 | 2,589 |
| Income before extraordinary items | $1,111,000 | 3,741 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,111,000 | 3,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,193 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,499,000 | 280 |
| Net operating income | $1,100,600 | 3,695 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,209,000 | 2,689 |
| Total interest expense | $1,561,000 | 2,485 |
| Net interest income | $3,648,000 | 2,725 |
| Provision for loan and lease losses | $239,000 | 1,946 |
| Total noninterest income | $913,000 | 2,343 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $643,000 | 1,377 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $270,000 | 3,172 |
| Total noninterest expense | $3,317,000 | 2,406 |
| Salaries and employee benefits | $1,792,000 | 2,401 |
| Premises and equipment expense | $584,000 | 1,965 |
| Additional noninterest expense | $941,000 | 2,523 |
| Pre-tax net operating income | $1,005,000 | 3,525 |
| Securities gains (losses) | $16,000 | 2,165 |
| Applicable income taxes | $351,000 | 2,795 |
| Income before extraordinary items | $670,000 | 3,957 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $670,000 | 3,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,118 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,499,000 | 195 |
| Net operating income | $659,440 | 3,908 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,490,000 | 2,800 |
| Total interest expense | $766,000 | 2,548 |
| Net interest income | $1,724,000 | 2,886 |
| Provision for loan and lease losses | $118,000 | 1,889 |
| Total noninterest income | $410,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $295,000 | 1,452 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $115,000 | 3,415 |
| Total noninterest expense | $1,542,000 | 2,570 |
| Salaries and employee benefits | $854,000 | 2,536 |
| Premises and equipment expense | $268,000 | 2,159 |
| Additional noninterest expense | $420,000 | 2,778 |
| Pre-tax net operating income | $474,000 | 3,669 |
| Securities gains (losses) | $16,000 | 1,816 |
| Applicable income taxes | $168,000 | 2,876 |
| Income before extraordinary items | $322,000 | 4,084 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $322,000 | 4,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,025 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,295,000 | 110 |
| Net operating income | $311,440 | 4,045 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,554,000 | 3,244 |
| Total interest expense | $2,813,000 | 3,035 |
| Net interest income | $5,741,000 | 3,294 |
| Provision for loan and lease losses | $276,000 | 3,355 |
| Total noninterest income | $1,545,000 | 2,787 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,065,000 | 1,610 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $480,000 | 3,656 |
| Total noninterest expense | $5,192,000 | 2,960 |
| Salaries and employee benefits | $2,752,000 | 2,994 |
| Premises and equipment expense | $926,000 | 2,424 |
| Additional noninterest expense | $1,514,000 | 3,055 |
| Pre-tax net operating income | $1,818,000 | 3,612 |
| Securities gains (losses) | $47,000 | 2,570 |
| Applicable income taxes | $620,000 | 2,997 |
| Income before extraordinary items | $1,245,000 | 4,034 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,245,000 | 4,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-134,000 | 9,075 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $334,000 | 536 |
| Net operating income | $1,213,510 | 3,943 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,155,000 | 3,413 |
| Total interest expense | $2,066,000 | 3,204 |
| Net interest income | $4,089,000 | 3,465 |
| Provision for loan and lease losses | $161,000 | 3,767 |
| Total noninterest income | $1,125,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $771,000 | 1,679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $354,000 | 3,757 |
| Total noninterest expense | $3,665,000 | 3,100 |
| Salaries and employee benefits | $1,936,000 | 3,187 |
| Premises and equipment expense | $667,000 | 2,523 |
| Additional noninterest expense | $1,062,000 | 3,220 |
| Pre-tax net operating income | $1,388,000 | 3,687 |
| Securities gains (losses) | $47,000 | 2,363 |
| Applicable income taxes | $489,000 | 3,070 |
| Income before extraordinary items | $946,000 | 4,127 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $946,000 | 4,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,826 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $318,000 | 403 |
| Net operating income | $914,980 | 4,062 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,012,000 | 3,509 |
| Total interest expense | $1,374,000 | 3,300 |
| Net interest income | $2,638,000 | 3,553 |
| Provision for loan and lease losses | $55,000 | 5,021 |
| Total noninterest income | $744,000 | 2,895 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $512,000 | 1,649 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $232,000 | 3,755 |
| Total noninterest expense | $2,399,000 | 3,162 |
| Salaries and employee benefits | $1,291,000 | 3,174 |
| Premises and equipment expense | $427,000 | 2,602 |
| Additional noninterest expense | $681,000 | 3,311 |
| Pre-tax net operating income | $928,000 | 3,685 |
| Securities gains (losses) | $47,000 | 2,063 |
| Applicable income taxes | $333,000 | 3,047 |
| Income before extraordinary items | $642,000 | 4,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $642,000 | 4,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 9,006 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $334,000 | 286 |
| Net operating income | $610,980 | 4,043 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 3,521 |
| Total interest expense | $698,000 | 3,325 |
| Net interest income | $1,304,000 | 3,572 |
| Provision for loan and lease losses | $17,000 | 5,461 |
| Total noninterest income | $315,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $238,000 | 1,711 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 4,426 |
| Total noninterest expense | $1,176,000 | 3,213 |
| Salaries and employee benefits | $646,000 | 3,154 |
| Premises and equipment expense | $208,000 | 2,679 |
| Additional noninterest expense | $322,000 | 3,431 |
| Pre-tax net operating income | $426,000 | 3,892 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $144,000 | 3,290 |
| Income before extraordinary items | $282,000 | 4,407 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $282,000 | 4,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-88,000 | 9,190 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $318,000 | 169 |
| Net operating income | $282,000 | 4,210 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,939,000 | 3,663 |
| Total interest expense | $3,007,000 | 3,532 |
| Net interest income | $4,932,000 | 3,716 |
| Provision for loan and lease losses | $298,000 | 3,488 |
| Total noninterest income | $953,000 | 3,588 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $768,000 | 2,074 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $185,000 | 5,185 |
| Total noninterest expense | $3,883,000 | 3,635 |
| Salaries and employee benefits | $1,956,000 | 3,807 |
| Premises and equipment expense | $706,000 | 2,983 |
| Additional noninterest expense | $1,221,000 | 3,565 |
| Pre-tax net operating income | $1,704,000 | 3,787 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $600,000 | 3,120 |
| Income before extraordinary items | $1,104,000 | 4,313 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,104,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,818 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $1,226,000 | 353 |
| Net operating income | $1,104,000 | 4,207 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,384,000 | 4,279 |
| Total interest expense | $3,532,000 | 4,175 |
| Net interest income | $3,852,000 | 4,240 |
| Provision for loan and lease losses | $620,000 | 1,848 |
| Total noninterest income | $545,000 | 4,828 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $420,000 | 3,254 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $125,000 | 5,909 |
| Total noninterest expense | $3,334,000 | 3,983 |
| Salaries and employee benefits | $1,542,000 | 4,421 |
| Premises and equipment expense | $677,000 | 3,034 |
| Additional noninterest expense | $1,115,000 | 3,726 |
| Pre-tax net operating income | $443,000 | 6,779 |
| Securities gains (losses) | $36,000 | 2,670 |
| Applicable income taxes | $171,000 | 5,270 |
| Income before extraordinary items | $308,000 | 7,076 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $308,000 | 7,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,038,000 | 914 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,022,000 | 398 |
| Net operating income | $284,960 | 7,114 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,152,000 | 4,067 |
| Total interest expense | $4,404,000 | 3,689 |
| Net interest income | $3,748,000 | 4,399 |
| Provision for loan and lease losses | $2,207,000 | 568 |
| Total noninterest income | $244,000 | 6,832 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,125 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 7,934 |
| Total noninterest expense | $2,695,000 | 4,601 |
| Salaries and employee benefits | $1,291,000 | 4,927 |
| Premises and equipment expense | $659,000 | 3,032 |
| Additional noninterest expense | $745,000 | 4,966 |
| Pre-tax net operating income | $-910,000 | 9,694 |
| Securities gains (losses) | $-13,000 | 8,489 |
| Applicable income taxes | $-352,000 | 9,757 |
| Income before extraordinary items | $-571,000 | 9,608 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-571,000 | 9,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,136,000 | 459 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,044,000 | 352 |
| Net operating income | $-562,680 | 9,603 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,068,000 | 4,358 |
| Total interest expense | $3,782,000 | 3,765 |
| Net interest income | $3,286,000 | 4,843 |
| Provision for loan and lease losses | $1,839,000 | 605 |
| Total noninterest income | $237,000 | 7,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $129,000 | 6,188 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,454 |
| Total noninterest expense | $2,241,000 | 5,262 |
| Salaries and employee benefits | $1,100,000 | 5,499 |
| Premises and equipment expense | $773,000 | 2,623 |
| Additional noninterest expense | $368,000 | 7,552 |
| Pre-tax net operating income | $-557,000 | 9,888 |
| Securities gains (losses) | $-12,000 | 9,370 |
| Applicable income taxes | $-246,000 | 10,069 |
| Income before extraordinary items | $-323,000 | 9,782 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-323,000 | 9,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $704,000 | 928 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 948 |
| Net operating income | $-315,320 | 9,758 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,430,000 | 4,724 |
| Total interest expense | $3,570,000 | 4,049 |
| Net interest income | $2,860,000 | 5,319 |
| Provision for loan and lease losses | $171,000 | 3,894 |
| Total noninterest income | $371,000 | 5,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $252,000 | 4,407 |
| Total noninterest expense | $2,284,000 | 5,084 |
| Salaries and employee benefits | $1,040,000 | 5,622 |
| Premises and equipment expense | $826,000 | 2,365 |
| Additional noninterest expense | $418,000 | 7,071 |
| Pre-tax net operating income | $776,000 | 6,180 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $287,000 | 5,291 |
| Income before extraordinary items | $491,000 | 6,661 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $491,000 | 6,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,250 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $489,720 | 6,557 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,962,000 | 5,834 |
| Total interest expense | $2,813,000 | 4,974 |
| Net interest income | $2,149,000 | 6,624 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $610,000 | 4,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,811 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $492,000 | 2,856 |
| Total noninterest expense | $2,140,000 | 5,395 |
| Salaries and employee benefits | $961,000 | 6,000 |
| Premises and equipment expense | $695,000 | 2,758 |
| Additional noninterest expense | $484,000 | 6,640 |
| Pre-tax net operating income | $439,000 | 8,239 |
| Securities gains (losses) | $-30,000 | 10,516 |
| Applicable income taxes | $155,000 | 7,534 |
| Income before extraordinary items | $254,000 | 8,715 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $254,000 | 8,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $273,200 | 8,534 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,861,000 | 8,195 |
| Total interest expense | $1,520,000 | 7,526 |
| Net interest income | $1,341,000 | 8,663 |
| Provision for loan and lease losses | $140,000 | 4,234 |
| Total noninterest income | $418,000 | 5,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 7,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $322,000 | 3,909 |
| Total noninterest expense | $1,622,000 | 6,786 |
| Salaries and employee benefits | $711,000 | 7,457 |
| Premises and equipment expense | $528,000 | 3,616 |
| Additional noninterest expense | $383,000 | 8,025 |
| Pre-tax net operating income | $-3,000 | 10,807 |
| Securities gains (losses) | $24,000 | 1,866 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $21,000 | 10,735 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $21,000 | 10,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,146 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-3,000 | 10,778 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $900,000 | 11,425 |
| Total interest expense | $376,000 | 11,394 |
| Net interest income | $524,000 | 11,345 |
| Provision for loan and lease losses | $144,000 | 3,734 |
| Total noninterest income | $151,000 | 9,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 9,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,021 |
| Total noninterest expense | $1,027,000 | 8,834 |
| Salaries and employee benefits | $553,000 | 8,698 |
| Premises and equipment expense | $199,000 | 7,213 |
| Additional noninterest expense | $275,000 | 9,544 |
| Pre-tax net operating income | $-496,000 | 11,791 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-170,000 | 11,777 |
| Income before extraordinary items | $-326,000 | 11,750 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-326,000 | 11,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $-81,000 | 10,467 |
| Net operating income | $-326,000 | 11,738 |
* 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.