Home > Premier Commercial Bank > Income and Expense
Premier Commercial Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $8,506,000 | 1,612 |
| Total interest expense | $1,774,000 | 1,366 |
| Net interest income | $6,732,000 | 1,641 |
| Provision for loan and lease losses | $512,000 | 1,773 |
| Total noninterest income | $1,654,000 | 1,509 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $196,000 | 2,995 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,458,000 | 1,161 |
| Total noninterest expense | $5,648,000 | 1,717 |
| Salaries and employee benefits | $3,398,000 | 1,492 |
| Premises and equipment expense | $636,000 | 1,867 |
| Additional noninterest expense | $1,614,000 | 2,024 |
| Pre-tax net operating income | $2,226,000 | 1,552 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $868,000 | 1,001 |
| Income before extraordinary items | $1,358,000 | 2,060 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,358,000 | 2,057 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,358,000 | 2,060 |
| Net charge-offs | $349,000 | 2,155 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $131,000 | 324 |
| Net operating income | $1,358,000 | 1,950 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,365,000 | 1,582 |
| Total interest expense | $970,000 | 1,306 |
| Net interest income | $3,395,000 | 1,636 |
| Provision for loan and lease losses | $512,000 | 1,027 |
| Total noninterest income | $672,000 | 1,766 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $96,000 | 3,017 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $576,000 | 1,379 |
| Total noninterest expense | $2,725,000 | 1,771 |
| Salaries and employee benefits | $1,599,000 | 1,579 |
| Premises and equipment expense | $324,000 | 1,830 |
| Additional noninterest expense | $802,000 | 2,027 |
| Pre-tax net operating income | $830,000 | 1,970 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $319,000 | 1,242 |
| Income before extraordinary items | $511,000 | 2,548 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $511,000 | 2,550 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $511,000 | 2,551 |
| Net charge-offs | $225,000 | 1,739 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $-5,000 | 7,249 |
| Net operating income | $511,000 | 2,433 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $17,410,000 | 1,632 |
| Total interest expense | $4,625,000 | 1,320 |
| Net interest income | $12,785,000 | 1,757 |
| Provision for loan and lease losses | $2,250,000 | 1,440 |
| Total noninterest income | $4,965,000 | 1,055 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $458,000 | 2,762 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $4,507,000 | 768 |
| Total noninterest expense | $12,799,000 | 1,526 |
| Salaries and employee benefits | $7,329,000 | 1,359 |
| Premises and equipment expense | $1,362,000 | 1,824 |
| Additional noninterest expense | $4,108,000 | 1,672 |
| Pre-tax net operating income | $2,701,000 | 2,011 |
| Securities gains (losses) | $-54,000 | 7,028 |
| Applicable income taxes | $1,003,000 | 1,337 |
| Income before extraordinary items | $1,644,000 | 2,592 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,644,000 | 2,592 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,644,000 | 2,593 |
| Net charge-offs | $2,469,000 | 1,362 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $-351,000 | 7,322 |
| Net operating income | $1,678,560 | 2,482 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,954,000 | 1,660 |
| Total interest expense | $3,529,000 | 1,352 |
| Net interest income | $9,425,000 | 1,789 |
| Provision for loan and lease losses | $1,725,000 | 1,371 |
| Total noninterest income | $4,068,000 | 977 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $343,000 | 2,761 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $3,725,000 | 716 |
| Total noninterest expense | $9,376,000 | 1,559 |
| Salaries and employee benefits | $5,500,000 | 1,360 |
| Premises and equipment expense | $1,035,000 | 1,820 |
| Additional noninterest expense | $2,841,000 | 1,783 |
| Pre-tax net operating income | $2,392,000 | 1,808 |
| Securities gains (losses) | $-54,000 | 7,160 |
| Applicable income taxes | $901,000 | 1,172 |
| Income before extraordinary items | $1,437,000 | 2,408 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,437,000 | 2,409 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,437,000 | 2,409 |
| Net charge-offs | $2,094,000 | 1,181 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $139,000 | 506 |
| Net operating income | $1,471,560 | 2,255 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,519,000 | 1,698 |
| Total interest expense | $2,355,000 | 1,391 |
| Net interest income | $6,164,000 | 1,811 |
| Provision for loan and lease losses | $800,000 | 1,713 |
| Total noninterest income | $3,702,000 | 775 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $233,000 | 2,709 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,469,000 | 560 |
| Total noninterest expense | $7,089,000 | 1,396 |
| Salaries and employee benefits | $3,860,000 | 1,297 |
| Premises and equipment expense | $713,000 | 1,771 |
| Additional noninterest expense | $2,516,000 | 1,392 |
| Pre-tax net operating income | $1,977,000 | 1,470 |
| Securities gains (losses) | $-27,000 | 7,167 |
| Applicable income taxes | $759,000 | 960 |
| Income before extraordinary items | $1,191,000 | 1,967 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,191,000 | 1,967 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,191,000 | 1,967 |
| Net charge-offs | $459,000 | 2,234 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 952 |
| Net operating income | $1,208,280 | 1,876 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,214,000 | 1,727 |
| Total interest expense | $1,201,000 | 1,415 |
| Net interest income | $3,013,000 | 1,844 |
| Provision for loan and lease losses | $500,000 | 1,414 |
| Total noninterest income | $1,832,000 | 786 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $112,000 | 2,743 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,720,000 | 564 |
| Total noninterest expense | $3,515,000 | 1,412 |
| Salaries and employee benefits | $1,871,000 | 1,350 |
| Premises and equipment expense | $359,000 | 1,808 |
| Additional noninterest expense | $1,285,000 | 1,366 |
| Pre-tax net operating income | $830,000 | 1,723 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $323,000 | 1,054 |
| Income before extraordinary items | $507,000 | 2,225 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $507,000 | 2,223 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $507,000 | 2,224 |
| Net charge-offs | $467,000 | 1,388 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 891 |
| Net operating income | $507,000 | 2,182 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $17,916,000 | 1,688 |
| Total interest expense | $5,085,000 | 1,635 |
| Net interest income | $12,831,000 | 1,728 |
| Provision for loan and lease losses | $1,925,000 | 2,128 |
| Total noninterest income | $1,824,000 | 2,200 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $353,000 | 3,321 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,471,000 | 1,726 |
| Total noninterest expense | $11,022,000 | 1,785 |
| Salaries and employee benefits | $6,144,000 | 1,587 |
| Premises and equipment expense | $1,426,000 | 1,797 |
| Additional noninterest expense | $3,452,000 | 2,027 |
| Pre-tax net operating income | $1,708,000 | 2,514 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $629,000 | 1,682 |
| Income before extraordinary items | $1,079,000 | 3,087 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,079,000 | 3,084 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,079,000 | 3,087 |
| Net charge-offs | $1,270,000 | 2,367 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 556 |
| Net operating income | $1,079,000 | 2,974 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,570,000 | 1,708 |
| Total interest expense | $3,764,000 | 1,702 |
| Net interest income | $9,806,000 | 1,714 |
| Provision for loan and lease losses | $1,700,000 | 1,833 |
| Total noninterest income | $1,176,000 | 2,460 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $232,000 | 3,647 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $944,000 | 1,868 |
| Total noninterest expense | $8,025,000 | 1,826 |
| Salaries and employee benefits | $4,447,000 | 1,644 |
| Premises and equipment expense | $1,101,000 | 1,765 |
| Additional noninterest expense | $2,477,000 | 2,082 |
| Pre-tax net operating income | $1,257,000 | 2,693 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $461,000 | 1,748 |
| Income before extraordinary items | $796,000 | 3,292 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $796,000 | 3,290 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $796,000 | 3,292 |
| Net charge-offs | $751,000 | 2,547 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $277,000 | 452 |
| Net operating income | $796,000 | 3,165 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,048,000 | 1,731 |
| Total interest expense | $2,478,000 | 1,779 |
| Net interest income | $6,570,000 | 1,712 |
| Provision for loan and lease losses | $1,200,000 | 1,743 |
| Total noninterest income | $675,000 | 2,646 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $147,000 | 3,727 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $528,000 | 2,017 |
| Total noninterest expense | $5,182,000 | 1,894 |
| Salaries and employee benefits | $2,915,000 | 1,696 |
| Premises and equipment expense | $736,000 | 1,770 |
| Additional noninterest expense | $1,531,000 | 2,219 |
| Pre-tax net operating income | $863,000 | 2,657 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $318,000 | 1,683 |
| Income before extraordinary items | $545,000 | 3,255 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $545,000 | 3,251 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $545,000 | 3,254 |
| Net charge-offs | $729,000 | 2,035 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $274,000 | 338 |
| Net operating income | $545,000 | 3,143 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,506,000 | 1,784 |
| Total interest expense | $1,227,000 | 1,872 |
| Net interest income | $3,279,000 | 1,736 |
| Provision for loan and lease losses | $700,000 | 1,467 |
| Total noninterest income | $268,000 | 3,086 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $77,000 | 3,649 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $191,000 | 2,467 |
| Total noninterest expense | $2,458,000 | 2,007 |
| Salaries and employee benefits | $1,468,000 | 1,709 |
| Premises and equipment expense | $368,000 | 1,837 |
| Additional noninterest expense | $622,000 | 2,619 |
| Pre-tax net operating income | $389,000 | 2,887 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $141,000 | 1,791 |
| Income before extraordinary items | $248,000 | 3,512 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $248,000 | 3,509 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $248,000 | 3,511 |
| Net charge-offs | $428,000 | 1,711 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $220,000 | 220 |
| Net operating income | $248,000 | 3,379 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,050,000 | 1,704 |
| Total interest expense | $6,078,000 | 1,904 |
| Net interest income | $13,972,000 | 1,602 |
| Provision for loan and lease losses | $4,012,000 | 1,656 |
| Total noninterest income | $2,445,000 | 1,862 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $352,000 | 3,574 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,093,000 | 1,331 |
| Total noninterest expense | $11,274,000 | 1,810 |
| Salaries and employee benefits | $6,272,000 | 1,585 |
| Premises and equipment expense | $1,515,000 | 1,790 |
| Additional noninterest expense | $3,487,000 | 2,068 |
| Pre-tax net operating income | $1,131,000 | 2,798 |
| Securities gains (losses) | $53,000 | 2,587 |
| Applicable income taxes | $414,000 | 1,728 |
| Income before extraordinary items | $770,000 | 3,203 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $770,000 | 3,202 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $770,000 | 3,202 |
| Net charge-offs | $1,146,000 | 2,711 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $461,000 | 561 |
| Net operating income | $735,550 | 3,219 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,251,000 | 1,706 |
| Total interest expense | $4,714,000 | 1,928 |
| Net interest income | $10,537,000 | 1,598 |
| Provision for loan and lease losses | $3,212,000 | 1,420 |
| Total noninterest income | $1,819,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $267,000 | 3,560 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,552,000 | 1,358 |
| Total noninterest expense | $8,375,000 | 1,814 |
| Salaries and employee benefits | $4,701,000 | 1,598 |
| Premises and equipment expense | $1,132,000 | 1,811 |
| Additional noninterest expense | $2,542,000 | 2,076 |
| Pre-tax net operating income | $769,000 | 3,176 |
| Securities gains (losses) | $53,000 | 2,261 |
| Applicable income taxes | $282,000 | 1,991 |
| Income before extraordinary items | $540,000 | 3,553 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $540,000 | 3,550 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $540,000 | 3,553 |
| Net charge-offs | $417,000 | 3,289 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $445,000 | 454 |
| Net operating income | $505,020 | 3,580 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,273,000 | 1,725 |
| Total interest expense | $3,312,000 | 1,923 |
| Net interest income | $6,961,000 | 1,616 |
| Provision for loan and lease losses | $1,911,000 | 1,439 |
| Total noninterest income | $1,088,000 | 2,046 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $194,000 | 3,378 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $894,000 | 1,529 |
| Total noninterest expense | $5,592,000 | 1,838 |
| Salaries and employee benefits | $3,171,000 | 1,618 |
| Premises and equipment expense | $754,000 | 1,831 |
| Additional noninterest expense | $1,667,000 | 2,126 |
| Pre-tax net operating income | $546,000 | 3,165 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $186,000 | 2,039 |
| Income before extraordinary items | $360,000 | 3,659 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $360,000 | 3,658 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $360,000 | 3,658 |
| Net charge-offs | $277,000 | 3,032 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $441,000 | 363 |
| Net operating income | $360,000 | 3,547 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,160,000 | 1,738 |
| Total interest expense | $1,753,000 | 1,899 |
| Net interest income | $3,407,000 | 1,635 |
| Provision for loan and lease losses | $450,000 | 1,876 |
| Total noninterest income | $401,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $103,000 | 3,209 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $298,000 | 1,965 |
| Total noninterest expense | $2,821,000 | 1,752 |
| Salaries and employee benefits | $1,672,000 | 1,559 |
| Premises and equipment expense | $384,000 | 1,843 |
| Additional noninterest expense | $765,000 | 2,070 |
| Pre-tax net operating income | $537,000 | 2,245 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $201,000 | 1,448 |
| Income before extraordinary items | $336,000 | 2,911 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $336,000 | 2,912 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $336,000 | 2,912 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 994 |
| Net operating income | $336,000 | 2,779 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $21,803,000 | 1,771 |
| Total interest expense | $7,931,000 | 1,988 |
| Net interest income | $13,872,000 | 1,611 |
| Provision for loan and lease losses | $725,000 | 3,190 |
| Total noninterest income | $2,500,000 | 1,807 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $247,000 | 4,380 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,253,000 | 1,199 |
| Total noninterest expense | $12,319,000 | 1,591 |
| Salaries and employee benefits | $6,881,000 | 1,503 |
| Premises and equipment expense | $1,478,000 | 1,852 |
| Additional noninterest expense | $3,960,000 | 1,561 |
| Pre-tax net operating income | $3,328,000 | 1,634 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,297,000 | 971 |
| Income before extraordinary items | $2,031,000 | 1,961 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,031,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $499,000 | 561 |
| Net operating income | $2,031,000 | 2,084 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,148,000 | 1,826 |
| Total interest expense | $6,075,000 | 2,037 |
| Net interest income | $10,073,000 | 1,665 |
| Provision for loan and lease losses | $430,000 | 2,967 |
| Total noninterest income | $2,150,000 | 1,691 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $145,000 | 4,897 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,005,000 | 1,104 |
| Total noninterest expense | $9,851,000 | 1,477 |
| Salaries and employee benefits | $5,436,000 | 1,437 |
| Premises and equipment expense | $1,141,000 | 1,797 |
| Additional noninterest expense | $3,274,000 | 1,366 |
| Pre-tax net operating income | $1,942,000 | 2,361 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $745,000 | 1,451 |
| Income before extraordinary items | $1,197,000 | 2,761 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,197,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,316 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $490,000 | 386 |
| Net operating income | $1,197,000 | 2,908 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,572,000 | 1,874 |
| Total interest expense | $4,092,000 | 2,085 |
| Net interest income | $6,480,000 | 1,728 |
| Provision for loan and lease losses | $135,000 | 3,809 |
| Total noninterest income | $1,880,000 | 1,392 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $83,000 | 5,181 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,797,000 | 911 |
| Total noninterest expense | $6,981,000 | 1,379 |
| Salaries and employee benefits | $3,816,000 | 1,368 |
| Premises and equipment expense | $761,000 | 1,795 |
| Additional noninterest expense | $2,404,000 | 1,238 |
| Pre-tax net operating income | $1,244,000 | 2,530 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $477,000 | 1,661 |
| Income before extraordinary items | $767,000 | 3,133 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $767,000 | 3,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $490,000 | 264 |
| Net operating income | $767,000 | 3,072 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,432,000 | 1,887 |
| Total interest expense | $2,185,000 | 2,090 |
| Net interest income | $3,247,000 | 1,710 |
| Provision for loan and lease losses | $35,000 | 4,234 |
| Total noninterest income | $1,324,000 | 1,060 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $37,000 | 5,370 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,287,000 | 688 |
| Total noninterest expense | $3,721,000 | 1,298 |
| Salaries and employee benefits | $2,056,000 | 1,278 |
| Premises and equipment expense | $386,000 | 1,775 |
| Additional noninterest expense | $1,279,000 | 1,126 |
| Pre-tax net operating income | $815,000 | 2,119 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $316,000 | 1,424 |
| Income before extraordinary items | $499,000 | 2,699 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $499,000 | 2,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $262,000 | 182 |
| Net operating income | $499,000 | 2,629 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,207,000 | 1,827 |
| Total interest expense | $9,532,000 | 2,011 |
| Net interest income | $13,675,000 | 1,649 |
| Provision for loan and lease losses | $500,000 | 2,315 |
| Total noninterest income | $4,546,000 | 1,183 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $109,000 | 5,906 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,437,000 | 763 |
| Total noninterest expense | $13,203,000 | 1,394 |
| Salaries and employee benefits | $7,272,000 | 1,396 |
| Premises and equipment expense | $1,492,000 | 1,759 |
| Additional noninterest expense | $4,439,000 | 1,269 |
| Pre-tax net operating income | $4,518,000 | 1,795 |
| Securities gains (losses) | $13,000 | 1,241 |
| Applicable income taxes | $1,811,000 | 1,222 |
| Income before extraordinary items | $2,720,000 | 2,204 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,720,000 | 2,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $460,000 | 551 |
| Net operating income | $2,711,680 | 2,194 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,547,000 | 1,821 |
| Total interest expense | $7,036,000 | 2,035 |
| Net interest income | $10,511,000 | 1,617 |
| Provision for loan and lease losses | $500,000 | 1,569 |
| Total noninterest income | $3,177,000 | 1,240 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $64,000 | 6,263 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,113,000 | 809 |
| Total noninterest expense | $10,034,000 | 1,366 |
| Salaries and employee benefits | $5,603,000 | 1,343 |
| Premises and equipment expense | $1,100,000 | 1,782 |
| Additional noninterest expense | $3,331,000 | 1,232 |
| Pre-tax net operating income | $3,154,000 | 2,014 |
| Securities gains (losses) | $13,000 | 934 |
| Applicable income taxes | $1,264,000 | 1,393 |
| Income before extraordinary items | $1,903,000 | 2,480 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,903,000 | 2,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $459,000 | 426 |
| Net operating income | $1,894,680 | 2,461 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,497,000 | 1,863 |
| Total interest expense | $4,497,000 | 2,119 |
| Net interest income | $7,000,000 | 1,644 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $2,194,000 | 1,235 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $30,000 | 6,661 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,164,000 | 805 |
| Total noninterest expense | $6,685,000 | 1,384 |
| Salaries and employee benefits | $3,665,000 | 1,402 |
| Premises and equipment expense | $746,000 | 1,775 |
| Additional noninterest expense | $2,274,000 | 1,220 |
| Pre-tax net operating income | $2,209,000 | 1,990 |
| Securities gains (losses) | $13,000 | 798 |
| Applicable income taxes | $889,000 | 1,387 |
| Income before extraordinary items | $1,333,000 | 2,428 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,333,000 | 2,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $262,000 | 403 |
| Net operating income | $1,324,680 | 2,425 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,661,000 | 1,893 |
| Total interest expense | $2,236,000 | 2,116 |
| Net interest income | $3,425,000 | 1,679 |
| Provision for loan and lease losses | $125,000 | 1,705 |
| Total noninterest income | $1,086,000 | 1,223 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $7,000 | 7,153 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,079,000 | 787 |
| Total noninterest expense | $3,298,000 | 1,402 |
| Salaries and employee benefits | $1,747,000 | 1,481 |
| Premises and equipment expense | $371,000 | 1,797 |
| Additional noninterest expense | $1,180,000 | 1,159 |
| Pre-tax net operating income | $1,088,000 | 2,022 |
| Securities gains (losses) | $13,000 | 644 |
| Applicable income taxes | $443,000 | 1,407 |
| Income before extraordinary items | $658,000 | 2,448 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $658,000 | 2,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $649,680 | 2,454 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,677,000 | 2,011 |
| Total interest expense | $6,267,000 | 2,502 |
| Net interest income | $13,410,000 | 1,716 |
| Provision for loan and lease losses | $1,190,000 | 885 |
| Total noninterest income | $3,520,000 | 1,427 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $37,000 | 7,075 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,483,000 | 901 |
| Total noninterest expense | $11,230,000 | 1,576 |
| Salaries and employee benefits | $6,457,000 | 1,530 |
| Premises and equipment expense | $818,000 | 2,945 |
| Additional noninterest expense | $3,955,000 | 1,346 |
| Pre-tax net operating income | $4,510,000 | 2,045 |
| Securities gains (losses) | $-20,000 | 7,546 |
| Applicable income taxes | $1,790,000 | 1,450 |
| Income before extraordinary items | $2,700,000 | 2,461 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,700,000 | 2,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,089 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 766 |
| Net operating income | $2,712,800 | 2,429 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,059,000 | 2,088 |
| Total interest expense | $4,246,000 | 2,643 |
| Net interest income | $9,813,000 | 1,775 |
| Provision for loan and lease losses | $950,000 | 785 |
| Total noninterest income | $2,146,000 | 1,706 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $21,000 | 7,256 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,125,000 | 1,046 |
| Total noninterest expense | $8,005,000 | 1,671 |
| Salaries and employee benefits | $4,649,000 | 1,606 |
| Premises and equipment expense | $541,000 | 3,260 |
| Additional noninterest expense | $2,815,000 | 1,403 |
| Pre-tax net operating income | $3,004,000 | 2,325 |
| Securities gains (losses) | $-20,000 | 7,838 |
| Applicable income taxes | $1,184,000 | 1,664 |
| Income before extraordinary items | $1,800,000 | 2,794 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,800,000 | 2,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 593 |
| Net operating income | $1,812,800 | 2,773 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,054,000 | 2,124 |
| Total interest expense | $2,544,000 | 2,774 |
| Net interest income | $6,510,000 | 1,788 |
| Provision for loan and lease losses | $600,000 | 813 |
| Total noninterest income | $1,577,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $12,000 | 7,358 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,565,000 | 988 |
| Total noninterest expense | $5,328,000 | 1,678 |
| Salaries and employee benefits | $2,968,000 | 1,665 |
| Premises and equipment expense | $359,000 | 3,262 |
| Additional noninterest expense | $2,001,000 | 1,336 |
| Pre-tax net operating income | $2,159,000 | 2,186 |
| Securities gains (losses) | $-20,000 | 8,076 |
| Applicable income taxes | $852,000 | 1,581 |
| Income before extraordinary items | $1,287,000 | 2,636 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,287,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,299,800 | 2,605 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,050,000 | 2,300 |
| Total interest expense | $1,013,000 | 3,224 |
| Net interest income | $3,037,000 | 1,906 |
| Provision for loan and lease losses | $250,000 | 918 |
| Total noninterest income | $767,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $4,000 | 7,476 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $763,000 | 990 |
| Total noninterest expense | $2,689,000 | 1,666 |
| Salaries and employee benefits | $1,458,000 | 1,698 |
| Premises and equipment expense | $175,000 | 3,341 |
| Additional noninterest expense | $1,056,000 | 1,261 |
| Pre-tax net operating income | $865,000 | 2,546 |
| Securities gains (losses) | $-18,000 | 8,357 |
| Applicable income taxes | $334,000 | 1,880 |
| Income before extraordinary items | $513,000 | 3,097 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $513,000 | 3,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $524,520 | 3,029 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,419,000 | 2,820 |
| Total interest expense | $2,598,000 | 3,717 |
| Net interest income | $8,821,000 | 2,474 |
| Provision for loan and lease losses | $837,000 | 1,218 |
| Total noninterest income | $3,498,000 | 1,428 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $57,000 | 6,969 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,441,000 | 915 |
| Total noninterest expense | $8,275,000 | 2,021 |
| Salaries and employee benefits | $4,348,000 | 2,119 |
| Premises and equipment expense | $585,000 | 3,735 |
| Additional noninterest expense | $3,342,000 | 1,522 |
| Pre-tax net operating income | $3,207,000 | 2,619 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $1,279,000 | 1,914 |
| Income before extraordinary items | $1,930,000 | 3,176 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,930,000 | 3,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,928,720 | 3,150 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,676,000 | 3,049 |
| Total interest expense | $1,746,000 | 3,882 |
| Net interest income | $5,930,000 | 2,714 |
| Provision for loan and lease losses | $687,000 | 1,086 |
| Total noninterest income | $2,747,000 | 1,380 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $47,000 | 6,913 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,700,000 | 885 |
| Total noninterest expense | $5,939,000 | 2,088 |
| Salaries and employee benefits | $2,950,000 | 2,302 |
| Premises and equipment expense | $447,000 | 3,676 |
| Additional noninterest expense | $2,542,000 | 1,481 |
| Pre-tax net operating income | $2,051,000 | 2,995 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $712,000 | 2,368 |
| Income before extraordinary items | $1,339,000 | 3,411 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,339,000 | 3,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,339,000 | 3,365 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,631,000 | 3,228 |
| Total interest expense | $1,060,000 | 3,971 |
| Net interest income | $3,571,000 | 2,947 |
| Provision for loan and lease losses | $372,000 | 1,272 |
| Total noninterest income | $1,597,000 | 1,510 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,571,000 | 968 |
| Total noninterest expense | $3,734,000 | 2,200 |
| Salaries and employee benefits | $1,907,000 | 2,351 |
| Premises and equipment expense | $292,000 | 3,701 |
| Additional noninterest expense | $1,535,000 | 1,609 |
| Pre-tax net operating income | $1,062,000 | 3,561 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $369,000 | 2,738 |
| Income before extraordinary items | $693,000 | 4,018 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $693,000 | 4,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $693,000 | 3,960 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,138,000 | 3,406 |
| Total interest expense | $469,000 | 4,210 |
| Net interest income | $1,669,000 | 3,102 |
| Provision for loan and lease losses | $147,000 | 1,505 |
| Total noninterest income | $926,000 | 1,324 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $11,000 | 7,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $915,000 | 844 |
| Total noninterest expense | $1,978,000 | 2,088 |
| Salaries and employee benefits | $966,000 | 2,359 |
| Premises and equipment expense | $143,000 | 3,777 |
| Additional noninterest expense | $869,000 | 1,438 |
| Pre-tax net operating income | $470,000 | 3,840 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $160,000 | 2,993 |
| Income before extraordinary items | $310,000 | 4,275 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $310,000 | 4,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $310,000 | 4,230 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,596,000 | 4,489 |
| Total interest expense | $1,205,000 | 5,102 |
| Net interest income | $4,391,000 | 4,189 |
| Provision for loan and lease losses | $488,000 | 1,998 |
| Total noninterest income | $5,313,000 | 1,034 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $21,000 | 7,648 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,292,000 | 643 |
| Total noninterest expense | $7,364,000 | 2,164 |
| Salaries and employee benefits | $3,544,000 | 2,457 |
| Premises and equipment expense | $460,000 | 4,343 |
| Additional noninterest expense | $3,360,000 | 1,478 |
| Pre-tax net operating income | $1,852,000 | 3,716 |
| Securities gains (losses) | $-12,000 | 8,276 |
| Applicable income taxes | $667,000 | 2,847 |
| Income before extraordinary items | $1,173,000 | 4,259 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,173,000 | 4,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $35,000 | 5,946 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 225 |
| Net operating income | $1,180,680 | 4,179 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 4,757 |
| Total interest expense | $811,000 | 5,414 |
| Net interest income | $3,022,000 | 4,444 |
| Provision for loan and lease losses | $388,000 | 1,827 |
| Total noninterest income | $3,319,000 | 1,207 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $15,000 | 7,705 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,304,000 | 744 |
| Total noninterest expense | $5,001,000 | 2,385 |
| Salaries and employee benefits | $2,543,000 | 2,541 |
| Premises and equipment expense | $341,000 | 4,365 |
| Additional noninterest expense | $2,117,000 | 1,701 |
| Pre-tax net operating income | $952,000 | 4,723 |
| Securities gains (losses) | $-12,000 | 8,545 |
| Applicable income taxes | $304,000 | 3,777 |
| Income before extraordinary items | $636,000 | 5,208 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $636,000 | 5,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $35,000 | 5,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $644,160 | 5,099 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,359,000 | 5,030 |
| Total interest expense | $470,000 | 5,829 |
| Net interest income | $1,889,000 | 4,662 |
| Provision for loan and lease losses | $268,000 | 1,742 |
| Total noninterest income | $2,294,000 | 1,156 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $17,000 | 7,603 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,277,000 | 728 |
| Total noninterest expense | $3,321,000 | 2,402 |
| Salaries and employee benefits | $1,580,000 | 2,702 |
| Premises and equipment expense | $222,000 | 4,451 |
| Additional noninterest expense | $1,519,000 | 1,589 |
| Pre-tax net operating income | $594,000 | 4,862 |
| Securities gains (losses) | $-12,000 | 8,715 |
| Applicable income taxes | $169,000 | 4,052 |
| Income before extraordinary items | $413,000 | 5,245 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $413,000 | 5,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $421,520 | 5,104 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 5,243 |
| Total interest expense | $214,000 | 6,161 |
| Net interest income | $892,000 | 4,851 |
| Provision for loan and lease losses | $98,000 | 2,175 |
| Total noninterest income | $919,000 | 1,347 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,000 | 7,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $912,000 | 844 |
| Total noninterest expense | $1,484,000 | 2,650 |
| Salaries and employee benefits | $815,000 | 2,638 |
| Premises and equipment expense | $107,000 | 4,590 |
| Additional noninterest expense | $562,000 | 2,106 |
| Pre-tax net operating income | $229,000 | 5,501 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $229,000 | 4,991 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $229,000 | 4,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $229,000 | 4,865 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,518,000 | 6,027 |
| Total interest expense | $782,000 | 6,767 |
| Net interest income | $2,736,000 | 5,603 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $2,510,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $29,000 | 7,734 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,481,000 | 1,229 |
| Total noninterest expense | $4,071,000 | 3,666 |
| Salaries and employee benefits | $1,764,000 | 4,320 |
| Premises and equipment expense | $324,000 | 5,429 |
| Additional noninterest expense | $1,983,000 | 2,428 |
| Pre-tax net operating income | $875,000 | 5,475 |
| Securities gains (losses) | $50,000 | 2,510 |
| Applicable income taxes | $2,000 | 7,318 |
| Income before extraordinary items | $923,000 | 4,872 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $923,000 | 4,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,490,000 | 310 |
| Net operating income | $873,000 | 4,851 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,450,000 | 6,315 |
| Total interest expense | $578,000 | 6,951 |
| Net interest income | $1,872,000 | 5,936 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,491,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $36,000 | 7,530 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,455,000 | 1,566 |
| Total noninterest expense | $2,645,000 | 4,066 |
| Salaries and employee benefits | $1,109,000 | 4,875 |
| Premises and equipment expense | $217,000 | 5,749 |
| Additional noninterest expense | $1,319,000 | 2,668 |
| Pre-tax net operating income | $493,000 | 6,318 |
| Securities gains (losses) | $37,000 | 2,545 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $528,000 | 5,704 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $528,000 | 5,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,471,000 | 217 |
| Net operating income | $491,000 | 5,734 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,539,000 | 6,559 |
| Total interest expense | $386,000 | 7,063 |
| Net interest income | $1,153,000 | 6,186 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $888,000 | 2,555 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $26,000 | 7,472 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $862,000 | 1,691 |
| Total noninterest expense | $1,553,000 | 4,471 |
| Salaries and employee benefits | $644,000 | 5,393 |
| Premises and equipment expense | $58,000 | 7,874 |
| Additional noninterest expense | $851,000 | 2,733 |
| Pre-tax net operating income | $338,000 | 6,252 |
| Securities gains (losses) | $36,000 | 2,247 |
| Applicable income taxes | $2,000 | 7,353 |
| Income before extraordinary items | $372,000 | 5,594 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $372,000 | 5,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,471,000 | 134 |
| Net operating income | $336,360 | 5,617 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $684,000 | 6,967 |
| Total interest expense | $191,000 | 7,209 |
| Net interest income | $493,000 | 6,693 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $355,000 | 2,891 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $7,000 | 7,830 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $348,000 | 1,905 |
| Total noninterest expense | $655,000 | 5,036 |
| Salaries and employee benefits | $294,000 | 5,688 |
| Premises and equipment expense | $60,000 | 6,275 |
| Additional noninterest expense | $301,000 | 3,655 |
| Pre-tax net operating income | $118,000 | 6,932 |
| Securities gains (losses) | $21,000 | 1,872 |
| Applicable income taxes | $2,000 | 7,162 |
| Income before extraordinary items | $137,000 | 6,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $137,000 | 6,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $2,471,000 | 70 |
| Net operating income | $116,210 | 6,446 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,771,000 | 8,102 |
| Total interest expense | $525,000 | 8,311 |
| Net interest income | $1,246,000 | 7,842 |
| Provision for loan and lease losses | $250,000 | 3,856 |
| Total noninterest income | $1,233,000 | 3,013 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $27,000 | 7,890 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,206,000 | 1,936 |
| Total noninterest expense | $2,703,000 | 4,813 |
| Salaries and employee benefits | $1,230,000 | 5,393 |
| Premises and equipment expense | $220,000 | 6,524 |
| Additional noninterest expense | $1,253,000 | 3,491 |
| Pre-tax net operating income | $-474,000 | 8,966 |
| Securities gains (losses) | $44,000 | 2,517 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $-431,000 | 9,020 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-431,000 | 9,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-475,000 | 8,985 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $36,000 | 9,599 |
| Total interest expense | $2,000 | 9,586 |
| Net interest income | $34,000 | 9,586 |
| Provision for loan and lease losses | $15,000 | 7,716 |
| Total noninterest income | $2,000 | 9,537 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,000 | 8,358 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $0 | 9,480 |
| Total noninterest expense | $661,000 | 8,776 |
| Salaries and employee benefits | $298,000 | 9,072 |
| Premises and equipment expense | $68,000 | 8,826 |
| Additional noninterest expense | $295,000 | 7,895 |
| Pre-tax net operating income | $-640,000 | 9,224 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-640,000 | 9,297 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-640,000 | 9,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $7,318,000 | 114 |
| Net operating income | $-640,000 | 9,263 |
* 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.