Home > Queen City Federal Savings Bank > Income and Expense
Queen City Federal Savings Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,944,000 | 2,834 |
| Total interest expense | $853,000 | 3,341 |
| Net interest income | $4,091,000 | 2,688 |
| Provision for loan and lease losses | $370,000 | 2,692 |
| Total noninterest income | $239,000 | 4,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 2,569 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-11,000 | 7,031 |
| Total noninterest expense | $3,263,000 | 2,866 |
| Salaries and employee benefits | $1,217,000 | 3,659 |
| Premises and equipment expense | $391,000 | 3,010 |
| Additional noninterest expense | $1,655,000 | 2,056 |
| Pre-tax net operating income | $697,000 | 3,190 |
| Securities gains (losses) | $27,000 | 1,941 |
| Applicable income taxes | $265,000 | 1,932 |
| Income before extraordinary items | $459,000 | 3,743 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $459,000 | 3,743 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $459,000 | 3,744 |
| Net charge-offs | $220,000 | 3,009 |
| Cash dividends | $372,000 | 1,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $441,720 | 3,699 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,457,000 | 2,866 |
| Total interest expense | $442,000 | 3,362 |
| Net interest income | $2,015,000 | 2,711 |
| Provision for loan and lease losses | $200,000 | 2,421 |
| Total noninterest income | $280,000 | 2,938 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 2,627 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $161,000 | 2,782 |
| Total noninterest expense | $1,673,000 | 2,805 |
| Salaries and employee benefits | $609,000 | 3,682 |
| Premises and equipment expense | $203,000 | 2,949 |
| Additional noninterest expense | $861,000 | 1,965 |
| Pre-tax net operating income | $422,000 | 2,861 |
| Securities gains (losses) | $23,000 | 1,043 |
| Applicable income taxes | $168,000 | 1,678 |
| Income before extraordinary items | $277,000 | 3,384 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $277,000 | 3,381 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $277,000 | 3,382 |
| Net charge-offs | $97,000 | 2,770 |
| Cash dividends | $372,000 | 979 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $262,280 | 3,431 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,422,000 | 2,846 |
| Total interest expense | $2,474,000 | 3,020 |
| Net interest income | $7,948,000 | 2,741 |
| Provision for loan and lease losses | $1,542,000 | 2,424 |
| Total noninterest income | $1,138,000 | 2,998 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,138,000 | 2,024 |
| Total noninterest expense | $6,573,000 | 2,878 |
| Salaries and employee benefits | $2,486,000 | 3,595 |
| Premises and equipment expense | $832,000 | 2,900 |
| Additional noninterest expense | $3,255,000 | 2,139 |
| Pre-tax net operating income | $971,000 | 3,427 |
| Securities gains (losses) | $27,000 | 2,964 |
| Applicable income taxes | $253,000 | 2,515 |
| Income before extraordinary items | $745,000 | 3,740 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $745,000 | 3,739 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $745,000 | 3,741 |
| Net charge-offs | $1,495,000 | 2,186 |
| Cash dividends | $615,000 | 2,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $724,750 | 3,667 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,883,000 | 2,879 |
| Total interest expense | $1,964,000 | 3,001 |
| Net interest income | $5,919,000 | 2,788 |
| Provision for loan and lease losses | $1,217,000 | 2,257 |
| Total noninterest income | $807,000 | 3,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $807,000 | 2,060 |
| Total noninterest expense | $4,861,000 | 2,909 |
| Salaries and employee benefits | $1,874,000 | 3,626 |
| Premises and equipment expense | $644,000 | 2,863 |
| Additional noninterest expense | $2,343,000 | 2,191 |
| Pre-tax net operating income | $648,000 | 3,851 |
| Securities gains (losses) | $18,000 | 2,932 |
| Applicable income taxes | $133,000 | 2,890 |
| Income before extraordinary items | $533,000 | 3,999 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $533,000 | 4,002 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $533,000 | 4,002 |
| Net charge-offs | $1,067,000 | 2,114 |
| Cash dividends | $615,000 | 1,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $518,600 | 3,901 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,279,000 | 2,908 |
| Total interest expense | $1,378,000 | 2,977 |
| Net interest income | $3,901,000 | 2,810 |
| Provision for loan and lease losses | $992,000 | 1,961 |
| Total noninterest income | $434,000 | 3,490 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $434,000 | 2,302 |
| Total noninterest expense | $3,208,000 | 2,940 |
| Salaries and employee benefits | $1,223,000 | 3,710 |
| Premises and equipment expense | $467,000 | 2,662 |
| Additional noninterest expense | $1,518,000 | 2,236 |
| Pre-tax net operating income | $135,000 | 5,290 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $26,000 | 3,648 |
| Income before extraordinary items | $110,000 | 5,483 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $110,000 | 5,486 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $110,000 | 5,485 |
| Net charge-offs | $899,000 | 1,834 |
| Cash dividends | $615,000 | 1,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $109,190 | 5,361 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,648,000 | 2,950 |
| Total interest expense | $719,000 | 2,999 |
| Net interest income | $1,929,000 | 2,879 |
| Provision for loan and lease losses | $722,000 | 1,449 |
| Total noninterest income | $209,000 | 3,555 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $209,000 | 2,331 |
| Total noninterest expense | $1,547,000 | 3,077 |
| Salaries and employee benefits | $612,000 | 3,758 |
| Premises and equipment expense | $226,000 | 2,810 |
| Additional noninterest expense | $709,000 | 2,357 |
| Pre-tax net operating income | $-131,000 | 6,718 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $37,000 | 3,017 |
| Income before extraordinary items | $-168,000 | 6,882 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-168,000 | 6,883 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-168,000 | 6,882 |
| Net charge-offs | $666,000 | 1,372 |
| Cash dividends | $615,000 | 548 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-168,000 | 6,843 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,776,000 | 2,807 |
| Total interest expense | $3,267,000 | 3,208 |
| Net interest income | $8,509,000 | 2,553 |
| Provision for loan and lease losses | $1,145,000 | 3,288 |
| Total noninterest income | $750,000 | 3,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $750,000 | 2,559 |
| Total noninterest expense | $6,301,000 | 3,062 |
| Salaries and employee benefits | $2,568,000 | 3,612 |
| Premises and equipment expense | $804,000 | 3,118 |
| Additional noninterest expense | $2,929,000 | 2,401 |
| Pre-tax net operating income | $1,813,000 | 2,072 |
| Securities gains (losses) | $-39,000 | 7,141 |
| Applicable income taxes | $399,000 | 1,764 |
| Income before extraordinary items | $1,375,000 | 2,251 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,375,000 | 2,249 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,375,000 | 2,250 |
| Net charge-offs | $1,253,000 | 2,587 |
| Cash dividends | $2,052,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,405,420 | 2,191 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,980,000 | 2,802 |
| Total interest expense | $2,477,000 | 3,315 |
| Net interest income | $6,503,000 | 2,502 |
| Provision for loan and lease losses | $845,000 | 3,031 |
| Total noninterest income | $799,000 | 3,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $799,000 | 2,128 |
| Total noninterest expense | $5,058,000 | 2,876 |
| Salaries and employee benefits | $2,101,000 | 3,399 |
| Premises and equipment expense | $620,000 | 3,076 |
| Additional noninterest expense | $2,337,000 | 2,235 |
| Pre-tax net operating income | $1,399,000 | 2,166 |
| Securities gains (losses) | $-39,000 | 7,351 |
| Applicable income taxes | $603,000 | 1,233 |
| Income before extraordinary items | $757,000 | 2,978 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $757,000 | 2,976 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $757,000 | 2,979 |
| Net charge-offs | $584,000 | 2,831 |
| Cash dividends | $2,052,000 | 617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $781,960 | 2,840 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,068,000 | 2,797 |
| Total interest expense | $1,682,000 | 3,380 |
| Net interest income | $4,386,000 | 2,460 |
| Provision for loan and lease losses | $465,000 | 3,066 |
| Total noninterest income | $595,000 | 3,059 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $595,000 | 2,001 |
| Total noninterest expense | $3,412,000 | 2,877 |
| Salaries and employee benefits | $1,417,000 | 3,404 |
| Premises and equipment expense | $430,000 | 3,006 |
| Additional noninterest expense | $1,565,000 | 2,251 |
| Pre-tax net operating income | $1,104,000 | 1,948 |
| Securities gains (losses) | $-39,000 | 7,578 |
| Applicable income taxes | $955,000 | 643 |
| Income before extraordinary items | $110,000 | 5,122 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $110,000 | 5,120 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $110,000 | 5,121 |
| Net charge-offs | $545,000 | 2,256 |
| Cash dividends | $2,052,000 | 432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $134,960 | 4,884 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,046,000 | 2,821 |
| Total interest expense | $877,000 | 3,378 |
| Net interest income | $2,169,000 | 2,487 |
| Provision for loan and lease losses | $275,000 | 2,441 |
| Total noninterest income | $306,000 | 2,986 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $306,000 | 1,926 |
| Total noninterest expense | $1,565,000 | 3,027 |
| Salaries and employee benefits | $713,000 | 3,411 |
| Premises and equipment expense | $236,000 | 2,812 |
| Additional noninterest expense | $616,000 | 2,509 |
| Pre-tax net operating income | $635,000 | 1,961 |
| Securities gains (losses) | $-39,000 | 7,920 |
| Applicable income taxes | $487,000 | 692 |
| Income before extraordinary items | $109,000 | 4,827 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $109,000 | 4,831 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $109,000 | 4,830 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $2,052,000 | 207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $133,960 | 4,376 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,313,000 | 3,446 |
| Total interest expense | $3,526,000 | 3,827 |
| Net interest income | $6,787,000 | 3,146 |
| Provision for loan and lease losses | $410,000 | 4,100 |
| Total noninterest income | $799,000 | 3,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $799,000 | 2,451 |
| Total noninterest expense | $3,816,000 | 4,390 |
| Salaries and employee benefits | $1,725,000 | 4,919 |
| Premises and equipment expense | $461,000 | 4,691 |
| Additional noninterest expense | $1,630,000 | 3,410 |
| Pre-tax net operating income | $3,360,000 | 1,621 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,308,000 | 963 |
| Income before extraordinary items | $2,052,000 | 1,940 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,052,000 | 1,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 8,189 |
| Cash dividends | $2,775,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,052,000 | 2,060 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,844,000 | 3,473 |
| Total interest expense | $2,724,000 | 3,861 |
| Net interest income | $5,120,000 | 3,145 |
| Provision for loan and lease losses | $185,000 | 4,316 |
| Total noninterest income | $593,000 | 3,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $593,000 | 2,549 |
| Total noninterest expense | $2,803,000 | 4,439 |
| Salaries and employee benefits | $1,253,000 | 5,031 |
| Premises and equipment expense | $349,000 | 4,673 |
| Additional noninterest expense | $1,201,000 | 3,387 |
| Pre-tax net operating income | $2,725,000 | 1,794 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,069,000 | 1,096 |
| Income before extraordinary items | $1,656,000 | 2,130 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,656,000 | 2,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,587 |
| Cash dividends | $2,775,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,656,000 | 2,234 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,348,000 | 3,464 |
| Total interest expense | $1,856,000 | 3,926 |
| Net interest income | $3,492,000 | 3,060 |
| Provision for loan and lease losses | $80,000 | 4,586 |
| Total noninterest income | $393,000 | 4,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $393,000 | 2,619 |
| Total noninterest expense | $1,882,000 | 4,432 |
| Salaries and employee benefits | $824,000 | 5,126 |
| Premises and equipment expense | $239,000 | 4,627 |
| Additional noninterest expense | $819,000 | 3,293 |
| Pre-tax net operating income | $1,923,000 | 1,736 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $773,000 | 1,147 |
| Income before extraordinary items | $1,150,000 | 2,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,150,000 | 2,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,861 |
| Cash dividends | $2,775,000 | 592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,150,000 | 2,247 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 3,470 |
| Total interest expense | $964,000 | 3,996 |
| Net interest income | $1,788,000 | 3,000 |
| Provision for loan and lease losses | $35,000 | 4,234 |
| Total noninterest income | $188,000 | 4,124 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $188,000 | 2,671 |
| Total noninterest expense | $913,000 | 4,529 |
| Salaries and employee benefits | $394,000 | 5,289 |
| Premises and equipment expense | $125,000 | 4,513 |
| Additional noninterest expense | $394,000 | 3,356 |
| Pre-tax net operating income | $1,028,000 | 1,743 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $421,000 | 1,155 |
| Income before extraordinary items | $607,000 | 2,289 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $607,000 | 2,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,828 |
| Cash dividends | $2,775,000 | 316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $607,000 | 2,216 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,153,000 | 3,491 |
| Total interest expense | $3,790,000 | 4,150 |
| Net interest income | $7,363,000 | 2,964 |
| Provision for loan and lease losses | $335,000 | 2,995 |
| Total noninterest income | $1,121,000 | 3,292 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,121,000 | 2,070 |
| Total noninterest expense | $3,560,000 | 4,462 |
| Salaries and employee benefits | $1,688,000 | 4,952 |
| Premises and equipment expense | $405,000 | 4,994 |
| Additional noninterest expense | $1,467,000 | 3,483 |
| Pre-tax net operating income | $4,589,000 | 1,772 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,814,000 | 1,217 |
| Income before extraordinary items | $2,775,000 | 2,179 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,775,000 | 2,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,475 |
| Cash dividends | $2,844,000 | 1,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,775,000 | 2,160 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,385,000 | 3,484 |
| Total interest expense | $2,820,000 | 4,170 |
| Net interest income | $5,565,000 | 2,940 |
| Provision for loan and lease losses | $315,000 | 2,230 |
| Total noninterest income | $690,000 | 3,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $690,000 | 2,345 |
| Total noninterest expense | $2,550,000 | 4,598 |
| Salaries and employee benefits | $1,208,000 | 5,076 |
| Premises and equipment expense | $301,000 | 5,014 |
| Additional noninterest expense | $1,041,000 | 3,583 |
| Pre-tax net operating income | $3,390,000 | 1,902 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,334,000 | 1,335 |
| Income before extraordinary items | $2,056,000 | 2,319 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,056,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $2,844,000 | 920 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,056,000 | 2,301 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,573,000 | 3,507 |
| Total interest expense | $1,823,000 | 4,251 |
| Net interest income | $3,750,000 | 2,932 |
| Provision for loan and lease losses | $210,000 | 2,072 |
| Total noninterest income | $422,000 | 3,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $422,000 | 2,497 |
| Total noninterest expense | $1,602,000 | 4,810 |
| Salaries and employee benefits | $776,000 | 5,231 |
| Premises and equipment expense | $174,000 | 5,447 |
| Additional noninterest expense | $652,000 | 3,767 |
| Pre-tax net operating income | $2,360,000 | 1,896 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $933,000 | 1,336 |
| Income before extraordinary items | $1,427,000 | 2,291 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,427,000 | 2,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $2,844,000 | 682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,427,000 | 2,274 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,753,000 | 3,522 |
| Total interest expense | $877,000 | 4,341 |
| Net interest income | $1,876,000 | 2,925 |
| Provision for loan and lease losses | $105,000 | 1,929 |
| Total noninterest income | $236,000 | 3,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $236,000 | 2,304 |
| Total noninterest expense | $704,000 | 5,234 |
| Salaries and employee benefits | $355,000 | 5,541 |
| Premises and equipment expense | $79,000 | 5,713 |
| Additional noninterest expense | $270,000 | 4,283 |
| Pre-tax net operating income | $1,303,000 | 1,753 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $511,000 | 1,264 |
| Income before extraordinary items | $792,000 | 2,083 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $792,000 | 2,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,092 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $792,000 | 2,072 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,446,000 | 3,737 |
| Total interest expense | $3,298,000 | 4,077 |
| Net interest income | $6,148,000 | 3,460 |
| Provision for loan and lease losses | $220,000 | 3,350 |
| Total noninterest income | $1,236,000 | 3,063 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,236,000 | 1,925 |
| Total noninterest expense | $2,536,000 | 5,440 |
| Salaries and employee benefits | $1,560,000 | 5,064 |
| Premises and equipment expense | $225,000 | 6,465 |
| Additional noninterest expense | $751,000 | 5,427 |
| Pre-tax net operating income | $4,628,000 | 2,014 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,783,000 | 1,453 |
| Income before extraordinary items | $2,845,000 | 2,364 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,845,000 | 2,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,413 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,845,000 | 2,348 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,878,000 | 3,788 |
| Total interest expense | $2,387,000 | 4,082 |
| Net interest income | $4,491,000 | 3,548 |
| Provision for loan and lease losses | $100,000 | 4,067 |
| Total noninterest income | $921,000 | 3,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $921,000 | 1,945 |
| Total noninterest expense | $1,899,000 | 5,428 |
| Salaries and employee benefits | $1,162,000 | 5,073 |
| Premises and equipment expense | $164,000 | 6,553 |
| Additional noninterest expense | $573,000 | 5,367 |
| Pre-tax net operating income | $3,413,000 | 2,108 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,319,000 | 1,533 |
| Income before extraordinary items | $2,094,000 | 2,473 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,094,000 | 2,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,204 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,094,000 | 2,455 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,440,000 | 3,829 |
| Total interest expense | $1,518,000 | 4,087 |
| Net interest income | $2,922,000 | 3,616 |
| Provision for loan and lease losses | $20,000 | 5,511 |
| Total noninterest income | $580,000 | 3,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $580,000 | 2,012 |
| Total noninterest expense | $1,266,000 | 5,436 |
| Salaries and employee benefits | $752,000 | 5,181 |
| Premises and equipment expense | $114,000 | 6,467 |
| Additional noninterest expense | $400,000 | 5,206 |
| Pre-tax net operating income | $2,216,000 | 2,143 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $849,000 | 1,590 |
| Income before extraordinary items | $1,367,000 | 2,521 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,367,000 | 2,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,501 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,367,000 | 2,501 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,194,000 | 3,811 |
| Total interest expense | $797,000 | 3,828 |
| Net interest income | $1,397,000 | 3,739 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $250,000 | 3,467 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $250,000 | 2,195 |
| Total noninterest expense | $609,000 | 5,577 |
| Salaries and employee benefits | $364,000 | 5,319 |
| Premises and equipment expense | $59,000 | 6,404 |
| Additional noninterest expense | $186,000 | 5,401 |
| Pre-tax net operating income | $1,038,000 | 2,220 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $398,000 | 1,659 |
| Income before extraordinary items | $640,000 | 2,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $640,000 | 2,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,616 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $640,000 | 2,596 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,165,000 | 7,298 |
| Total interest expense | $752,000 | 6,896 |
| Net interest income | $1,413,000 | 7,406 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $280,000 | 6,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $280,000 | 4,495 |
| Total noninterest expense | $604,000 | 8,421 |
| Salaries and employee benefits | $383,000 | 8,262 |
| Premises and equipment expense | $48,000 | 8,494 |
| Additional noninterest expense | $173,000 | 8,381 |
| Pre-tax net operating income | $1,089,000 | 5,130 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $426,000 | 3,599 |
| Income before extraordinary items | $663,000 | 5,777 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $663,000 | 5,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,884 |
| Cash dividends | $5,600,000 | 601 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $663,000 | 5,751 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,805,000 | 3,346 |
| Total interest expense | $2,002,000 | 3,510 |
| Net interest income | $4,803,000 | 3,248 |
| Provision for loan and lease losses | $87,000 | 4,515 |
| Total noninterest income | $798,000 | 3,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $798,000 | 2,121 |
| Total noninterest expense | $2,043,000 | 5,065 |
| Salaries and employee benefits | $1,510,000 | 4,070 |
| Premises and equipment expense | $101,000 | 7,461 |
| Additional noninterest expense | $432,000 | 6,146 |
| Pre-tax net operating income | $3,471,000 | 1,996 |
| Securities gains (losses) | $-1,619,000 | 8,823 |
| Applicable income taxes | $696,000 | 2,399 |
| Income before extraordinary items | $1,156,000 | 3,765 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,156,000 | 3,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,505 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,192,160 | 2,284 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,593,000 | 3,254 |
| Total interest expense | $1,370,000 | 3,282 |
| Net interest income | $3,223,000 | 3,206 |
| Provision for loan and lease losses | $87,000 | 3,649 |
| Total noninterest income | $506,000 | 3,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $506,000 | 2,162 |
| Total noninterest expense | $1,377,000 | 5,034 |
| Salaries and employee benefits | $1,018,000 | 4,022 |
| Premises and equipment expense | $73,000 | 7,338 |
| Additional noninterest expense | $286,000 | 6,152 |
| Pre-tax net operating income | $2,265,000 | 1,980 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $870,000 | 1,517 |
| Income before extraordinary items | $1,395,000 | 2,347 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,395,000 | 2,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $258,000 | 1,010 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,395,000 | 2,318 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,257,000 | 3,274 |
| Total interest expense | $701,000 | 3,111 |
| Net interest income | $1,556,000 | 3,306 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $224,000 | 3,718 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $224,000 | 2,309 |
| Total noninterest expense | $685,000 | 5,075 |
| Salaries and employee benefits | $506,000 | 4,058 |
| Premises and equipment expense | $38,000 | 7,311 |
| Additional noninterest expense | $141,000 | 6,213 |
| Pre-tax net operating income | $1,095,000 | 2,012 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $436,000 | 1,507 |
| Income before extraordinary items | $659,000 | 2,432 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $659,000 | 2,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 1,063 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $659,000 | 2,393 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,964,000 | 3,113 |
| Total interest expense | $2,851,000 | 2,733 |
| Net interest income | $6,113,000 | 3,250 |
| Provision for loan and lease losses | $153,000 | 4,196 |
| Total noninterest income | $1,139,000 | 3,243 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,139,000 | 1,975 |
| Total noninterest expense | $2,783,000 | 4,917 |
| Salaries and employee benefits | $2,054,000 | 3,908 |
| Premises and equipment expense | $175,000 | 7,036 |
| Additional noninterest expense | $554,000 | 6,247 |
| Pre-tax net operating income | $4,316,000 | 1,922 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,701,000 | 1,455 |
| Income before extraordinary items | $2,615,000 | 2,330 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,615,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,326 |
| Cash dividends | $2,700,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,615,000 | 2,281 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,648,000 | 3,117 |
| Total interest expense | $2,137,000 | 2,709 |
| Net interest income | $4,511,000 | 3,274 |
| Provision for loan and lease losses | $144,000 | 3,617 |
| Total noninterest income | $849,000 | 3,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $849,000 | 1,992 |
| Total noninterest expense | $2,101,000 | 4,841 |
| Salaries and employee benefits | $1,544,000 | 3,866 |
| Premises and equipment expense | $126,000 | 7,104 |
| Additional noninterest expense | $431,000 | 6,076 |
| Pre-tax net operating income | $3,115,000 | 2,008 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,228,000 | 1,510 |
| Income before extraordinary items | $1,887,000 | 2,441 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,887,000 | 2,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,478 |
| Cash dividends | $2,700,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,887,000 | 2,382 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,318,000 | 3,174 |
| Total interest expense | $1,428,000 | 2,675 |
| Net interest income | $2,890,000 | 3,366 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $565,000 | 3,302 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $565,000 | 2,008 |
| Total noninterest expense | $1,401,000 | 4,877 |
| Salaries and employee benefits | $1,030,000 | 3,892 |
| Premises and equipment expense | $82,000 | 7,177 |
| Additional noninterest expense | $289,000 | 6,082 |
| Pre-tax net operating income | $1,934,000 | 2,098 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $762,000 | 1,584 |
| Income before extraordinary items | $1,172,000 | 2,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,172,000 | 2,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $2,700,000 | 547 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,172,000 | 2,514 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,236,000 | 3,083 |
| Total interest expense | $718,000 | 2,695 |
| Net interest income | $1,518,000 | 3,225 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $259,000 | 3,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $259,000 | 2,077 |
| Total noninterest expense | $705,000 | 4,893 |
| Salaries and employee benefits | $525,000 | 3,847 |
| Premises and equipment expense | $54,000 | 6,592 |
| Additional noninterest expense | $126,000 | 6,532 |
| Pre-tax net operating income | $1,012,000 | 1,990 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $394,000 | 1,572 |
| Income before extraordinary items | $618,000 | 2,431 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $618,000 | 2,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 1,471 |
| Cash dividends | $1,000,000 | 662 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $618,000 | 2,342 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,958,000 | 3,126 |
| Total interest expense | $3,134,000 | 2,752 |
| Net interest income | $5,824,000 | 3,265 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $970,000 | 3,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $970,000 | 2,437 |
| Total noninterest expense | $3,401,000 | 4,218 |
| Salaries and employee benefits | $2,590,000 | 3,171 |
| Premises and equipment expense | $153,000 | 7,361 |
| Additional noninterest expense | $658,000 | 5,698 |
| Pre-tax net operating income | $3,153,000 | 2,405 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,215,000 | 1,923 |
| Income before extraordinary items | $1,938,000 | 2,932 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,938,000 | 2,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 3,349 |
| Cash dividends | $8,000,000 | 444 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,938,000 | 2,809 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,564,000 | 3,231 |
| Total interest expense | $2,344,000 | 2,846 |
| Net interest income | $4,220,000 | 3,370 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $742,000 | 3,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $742,000 | 2,469 |
| Total noninterest expense | $2,670,000 | 4,034 |
| Salaries and employee benefits | $2,045,000 | 3,030 |
| Premises and equipment expense | $105,000 | 7,546 |
| Additional noninterest expense | $520,000 | 5,515 |
| Pre-tax net operating income | $2,112,000 | 2,731 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $808,000 | 2,193 |
| Income before extraordinary items | $1,304,000 | 3,275 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,304,000 | 3,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,955 |
| Cash dividends | $8,000,000 | 355 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,304,000 | 3,129 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,481,000 | 3,179 |
| Total interest expense | $1,578,000 | 2,912 |
| Net interest income | $2,903,000 | 3,289 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $486,000 | 3,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $486,000 | 2,481 |
| Total noninterest expense | $1,958,000 | 3,765 |
| Salaries and employee benefits | $1,511,000 | 2,759 |
| Premises and equipment expense | $70,000 | 7,554 |
| Additional noninterest expense | $377,000 | 5,216 |
| Pre-tax net operating income | $1,311,000 | 2,888 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $499,000 | 2,316 |
| Income before extraordinary items | $812,000 | 3,475 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $812,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,386 |
| Cash dividends | $5,000,000 | 343 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $812,000 | 3,287 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 3,166 |
| Total interest expense | $791,000 | 2,969 |
| Net interest income | $1,473,000 | 3,224 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $215,000 | 3,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $215,000 | 2,596 |
| Total noninterest expense | $1,161,000 | 3,253 |
| Salaries and employee benefits | $948,000 | 2,219 |
| Premises and equipment expense | $39,000 | 7,371 |
| Additional noninterest expense | $174,000 | 5,473 |
| Pre-tax net operating income | $467,000 | 3,665 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $177,000 | 2,907 |
| Income before extraordinary items | $290,000 | 4,340 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $290,000 | 4,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,251 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $290,000 | 4,147 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,640,000 | 2,855 |
| Total interest expense | $3,593,000 | 3,014 |
| Net interest income | $7,047,000 | 2,713 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $913,000 | 3,673 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $913,000 | 2,304 |
| Total noninterest expense | $2,995,000 | 4,466 |
| Salaries and employee benefits | $2,120,000 | 3,567 |
| Premises and equipment expense | $169,000 | 7,182 |
| Additional noninterest expense | $706,000 | 5,377 |
| Pre-tax net operating income | $4,665,000 | 1,740 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,896,000 | 1,341 |
| Income before extraordinary items | $2,769,000 | 2,163 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,769,000 | 2,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,201 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,769,000 | 2,080 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,118,000 | 3,035 |
| Total interest expense | $4,337,000 | 3,572 |
| Net interest income | $6,781,000 | 2,645 |
| Provision for loan and lease losses | $250,000 | 3,605 |
| Total noninterest income | $854,000 | 3,685 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $854,000 | 2,289 |
| Total noninterest expense | $2,944,000 | 4,397 |
| Salaries and employee benefits | $2,127,000 | 3,412 |
| Premises and equipment expense | $221,000 | 6,478 |
| Additional noninterest expense | $596,000 | 5,861 |
| Pre-tax net operating income | $4,441,000 | 1,616 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,723,000 | 1,327 |
| Income before extraordinary items | $2,718,000 | 1,927 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,718,000 | 1,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $501,000 | 1,562 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,718,000 | 1,856 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,701,000 | 2,953 |
| Total interest expense | $5,116,000 | 3,252 |
| Net interest income | $6,585,000 | 2,708 |
| Provision for loan and lease losses | $95,000 | 5,433 |
| Total noninterest income | $734,000 | 3,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $734,000 | 2,278 |
| Total noninterest expense | $2,828,000 | 4,432 |
| Salaries and employee benefits | $2,006,000 | 3,452 |
| Premises and equipment expense | $172,000 | 7,209 |
| Additional noninterest expense | $650,000 | 5,471 |
| Pre-tax net operating income | $4,396,000 | 1,670 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,739,000 | 1,324 |
| Income before extraordinary items | $2,657,000 | 1,965 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,657,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,972 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,657,000 | 1,968 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,343,000 | 3,120 |
| Total interest expense | $4,792,000 | 3,049 |
| Net interest income | $5,551,000 | 3,126 |
| Provision for loan and lease losses | $-607,000 | 10,187 |
| Total noninterest income | $706,000 | 3,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $706,000 | 2,367 |
| Total noninterest expense | $3,508,000 | 3,705 |
| Salaries and employee benefits | $2,719,000 | 2,590 |
| Premises and equipment expense | $210,000 | 6,645 |
| Additional noninterest expense | $579,000 | 5,955 |
| Pre-tax net operating income | $3,356,000 | 2,182 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,346,000 | 1,736 |
| Income before extraordinary items | $2,010,000 | 2,584 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,010,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,123 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,010,000 | 2,547 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,510,000 | 3,074 |
| Total interest expense | $4,638,000 | 3,212 |
| Net interest income | $5,872,000 | 2,942 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $761,000 | 3,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $761,000 | 2,247 |
| Total noninterest expense | $3,013,000 | 4,102 |
| Salaries and employee benefits | $2,096,000 | 3,186 |
| Premises and equipment expense | $177,000 | 7,107 |
| Additional noninterest expense | $740,000 | 4,938 |
| Pre-tax net operating income | $3,620,000 | 2,003 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,446,000 | 1,689 |
| Income before extraordinary items | $2,174,000 | 2,373 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,174,000 | 2,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,364 |
| Cash dividends | $6,000,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,174,000 | 2,297 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,418,000 | 3,106 |
| Total interest expense | $4,797,000 | 3,098 |
| Net interest income | $5,621,000 | 3,110 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $714,000 | 3,921 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $714,000 | 2,195 |
| Total noninterest expense | $2,821,000 | 4,309 |
| Salaries and employee benefits | $1,986,000 | 3,332 |
| Premises and equipment expense | $222,000 | 6,469 |
| Additional noninterest expense | $613,000 | 5,727 |
| Pre-tax net operating income | $3,514,000 | 2,139 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,428,000 | 1,774 |
| Income before extraordinary items | $2,086,000 | 2,492 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,086,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,868 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,086,000 | 2,433 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,003,000 | 3,278 |
| Total interest expense | $4,607,000 | 3,246 |
| Net interest income | $5,396,000 | 3,283 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $935,000 | 3,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $935,000 | 1,899 |
| Total noninterest expense | $2,962,000 | 4,345 |
| Salaries and employee benefits | $1,529,000 | 4,241 |
| Premises and equipment expense | $214,000 | 6,788 |
| Additional noninterest expense | $1,219,000 | 3,731 |
| Pre-tax net operating income | $3,369,000 | 2,116 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,309,000 | 1,840 |
| Income before extraordinary items | $2,060,000 | 2,395 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,060,000 | 2,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $6,000,000 | 597 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,060,000 | 2,342 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,886,000 | 3,313 |
| Total interest expense | $4,477,000 | 3,318 |
| Net interest income | $5,409,000 | 3,283 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $485,000 | 5,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $485,000 | 2,937 |
| Total noninterest expense | $2,696,000 | 4,679 |
| Salaries and employee benefits | $1,575,000 | 4,106 |
| Premises and equipment expense | $231,000 | 6,647 |
| Additional noninterest expense | $890,000 | 4,807 |
| Pre-tax net operating income | $3,198,000 | 2,311 |
| Securities gains (losses) | $-344,000 | 11,765 |
| Applicable income taxes | $1,161,000 | 2,085 |
| Income before extraordinary items | $1,693,000 | 2,909 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,693,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $5,000,000 | 632 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,913,160 | 2,582 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,882,000 | 3,802 |
| Total interest expense | $3,819,000 | 3,203 |
| Net interest income | $4,063,000 | 4,315 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $371,000 | 6,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $371,000 | 3,571 |
| Total noninterest expense | $2,258,000 | 5,616 |
| Salaries and employee benefits | $1,381,000 | 4,628 |
| Premises and equipment expense | $234,000 | 6,793 |
| Additional noninterest expense | $643,000 | 6,716 |
| Pre-tax net operating income | $2,176,000 | 3,211 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $882,000 | 2,538 |
| Income before extraordinary items | $1,294,000 | 3,606 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,294,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,674 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,294,000 | 3,642 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,765,000 | 3,924 |
| Total interest expense | $4,133,000 | 3,074 |
| Net interest income | $3,632,000 | 4,796 |
| Provision for loan and lease losses | $180,000 | 4,132 |
| Total noninterest income | $520,000 | 5,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $520,000 | 3,187 |
| Total noninterest expense | $2,058,000 | 6,182 |
| Salaries and employee benefits | $1,160,000 | 5,390 |
| Premises and equipment expense | $252,000 | 6,639 |
| Additional noninterest expense | $646,000 | 6,962 |
| Pre-tax net operating income | $1,914,000 | 3,456 |
| Securities gains (losses) | $129,000 | 2,164 |
| Applicable income taxes | $824,000 | 2,694 |
| Income before extraordinary items | $1,219,000 | 3,955 |
| Extraordinary gains, net | $520,000 | 447 |
| Net income | $1,739,000 | 2,928 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,136,440 | 3,997 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,857,000 | 3,915 |
| Total interest expense | $4,844,000 | 3,413 |
| Net interest income | $4,013,000 | 4,429 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $750,000 | 4,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $750,000 | 2,404 |
| Total noninterest expense | $1,898,000 | 6,667 |
| Salaries and employee benefits | $1,069,000 | 5,702 |
| Premises and equipment expense | $233,000 | 7,118 |
| Additional noninterest expense | $596,000 | 7,551 |
| Pre-tax net operating income | $2,625,000 | 2,355 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $1,070,000 | 1,986 |
| Income before extraordinary items | $1,575,000 | 2,927 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,575,000 | 2,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,562,200 | 2,724 |
* 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.