Home > REGENTS BANK > Income and Expense
REGENTS BANK, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $13,921,000 | 903 |
| Total interest expense | $609,000 | 2,676 |
| Net interest income | $13,312,000 | 791 |
| Provision for loan and lease losses | $1,532,000 | 471 |
| Total noninterest income | $1,434,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $381,000 | 1,686 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,053,000 | 1,528 |
| Total noninterest expense | $11,520,000 | 888 |
| Salaries and employee benefits | $5,673,000 | 950 |
| Premises and equipment expense | $1,181,000 | 1,016 |
| Additional noninterest expense | $4,666,000 | 735 |
| Pre-tax net operating income | $1,694,000 | 1,993 |
| Securities gains (losses) | $40,000 | 1,658 |
| Applicable income taxes | $716,000 | 1,180 |
| Income before extraordinary items | $1,018,000 | 2,613 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,018,000 | 2,618 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,018,000 | 2,618 |
| Net charge-offs | $309,000 | 1,657 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $992,400 | 2,562 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $7,046,000 | 894 |
| Total interest expense | $325,000 | 2,611 |
| Net interest income | $6,721,000 | 784 |
| Provision for loan and lease losses | $913,000 | 430 |
| Total noninterest income | $1,157,000 | 1,215 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $191,000 | 1,672 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $966,000 | 1,019 |
| Total noninterest expense | $6,179,000 | 832 |
| Salaries and employee benefits | $2,914,000 | 940 |
| Premises and equipment expense | $622,000 | 993 |
| Additional noninterest expense | $2,643,000 | 647 |
| Pre-tax net operating income | $786,000 | 2,066 |
| Securities gains (losses) | $40,000 | 1,018 |
| Applicable income taxes | $343,000 | 1,208 |
| Income before extraordinary items | $483,000 | 2,657 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $483,000 | 2,660 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $483,000 | 2,659 |
| Net charge-offs | $66,000 | 2,216 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $457,400 | 2,677 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $16,941,000 | 1,565 |
| Total interest expense | $540,000 | 4,982 |
| Net interest income | $16,401,000 | 1,331 |
| Provision for loan and lease losses | $3,479,000 | 686 |
| Total noninterest income | $845,000 | 3,549 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $692,000 | 1,919 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $153,000 | 4,915 |
| Total noninterest expense | $11,768,000 | 1,643 |
| Salaries and employee benefits | $6,213,000 | 1,627 |
| Premises and equipment expense | $1,466,000 | 1,610 |
| Additional noninterest expense | $4,089,000 | 1,653 |
| Pre-tax net operating income | $1,999,000 | 2,811 |
| Securities gains (losses) | $99,000 | 2,279 |
| Applicable income taxes | $866,000 | 1,607 |
| Income before extraordinary items | $1,232,000 | 3,478 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,232,000 | 3,480 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,232,000 | 3,481 |
| Net charge-offs | $1,969,000 | 1,172 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,168,640 | 3,454 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,874,000 | 1,708 |
| Total interest expense | $355,000 | 5,343 |
| Net interest income | $11,519,000 | 1,445 |
| Provision for loan and lease losses | $1,352,000 | 1,174 |
| Total noninterest income | $621,000 | 3,626 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $524,000 | 1,921 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $97,000 | 5,163 |
| Total noninterest expense | $8,132,000 | 1,769 |
| Salaries and employee benefits | $4,499,000 | 1,669 |
| Premises and equipment expense | $1,006,000 | 1,768 |
| Additional noninterest expense | $2,627,000 | 1,885 |
| Pre-tax net operating income | $2,656,000 | 1,862 |
| Securities gains (losses) | $105,000 | 1,935 |
| Applicable income taxes | $1,104,000 | 1,141 |
| Income before extraordinary items | $1,657,000 | 2,473 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,657,000 | 2,474 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,657,000 | 2,474 |
| Net charge-offs | $220,000 | 3,187 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,589,800 | 2,409 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $8,036,000 | 1,693 |
| Total interest expense | $230,000 | 5,507 |
| Net interest income | $7,806,000 | 1,421 |
| Provision for loan and lease losses | $791,000 | 1,309 |
| Total noninterest income | $430,000 | 3,522 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $372,000 | 1,821 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $58,000 | 5,301 |
| Total noninterest expense | $4,991,000 | 1,927 |
| Salaries and employee benefits | $2,733,000 | 1,829 |
| Premises and equipment expense | $664,000 | 1,787 |
| Additional noninterest expense | $1,594,000 | 2,048 |
| Pre-tax net operating income | $2,454,000 | 1,414 |
| Securities gains (losses) | $45,000 | 2,110 |
| Applicable income taxes | $999,000 | 891 |
| Income before extraordinary items | $1,500,000 | 1,887 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,500,000 | 1,886 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,500,000 | 1,887 |
| Net charge-offs | $222,000 | 2,622 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,471,200 | 1,827 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 2,191 |
| Total interest expense | $95,000 | 5,962 |
| Net interest income | $2,993,000 | 1,861 |
| Provision for loan and lease losses | $100,000 | 2,838 |
| Total noninterest income | $164,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $143,000 | 2,221 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $21,000 | 5,676 |
| Total noninterest expense | $2,015,000 | 2,353 |
| Salaries and employee benefits | $1,114,000 | 2,241 |
| Premises and equipment expense | $307,000 | 1,940 |
| Additional noninterest expense | $594,000 | 2,683 |
| Pre-tax net operating income | $1,042,000 | 1,621 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $417,000 | 1,034 |
| Income before extraordinary items | $625,000 | 2,177 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $625,000 | 2,178 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $625,000 | 2,179 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $625,000 | 2,079 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,917,000 | 2,013 |
| Total interest expense | $659,000 | 5,331 |
| Net interest income | $13,258,000 | 1,689 |
| Provision for loan and lease losses | $542,000 | 3,342 |
| Total noninterest income | $907,000 | 3,286 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $734,000 | 1,913 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $173,000 | 4,643 |
| Total noninterest expense | $10,991,000 | 1,759 |
| Salaries and employee benefits | $5,966,000 | 1,642 |
| Premises and equipment expense | $1,342,000 | 1,858 |
| Additional noninterest expense | $3,683,000 | 1,831 |
| Pre-tax net operating income | $2,632,000 | 2,053 |
| Securities gains (losses) | $109,000 | 1,992 |
| Applicable income taxes | $1,050,000 | 1,300 |
| Income before extraordinary items | $1,691,000 | 2,549 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,691,000 | 2,549 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,691,000 | 2,550 |
| Net charge-offs | $648,000 | 2,869 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,621,240 | 2,545 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,551,000 | 2,018 |
| Total interest expense | $513,000 | 5,366 |
| Net interest income | $10,038,000 | 1,683 |
| Provision for loan and lease losses | $542,000 | 2,759 |
| Total noninterest income | $681,000 | 3,296 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $545,000 | 1,932 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $136,000 | 4,675 |
| Total noninterest expense | $8,230,000 | 1,761 |
| Salaries and employee benefits | $4,466,000 | 1,646 |
| Premises and equipment expense | $1,011,000 | 1,856 |
| Additional noninterest expense | $2,753,000 | 1,846 |
| Pre-tax net operating income | $1,947,000 | 2,125 |
| Securities gains (losses) | $96,000 | 1,825 |
| Applicable income taxes | $791,000 | 1,304 |
| Income before extraordinary items | $1,252,000 | 2,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,252,000 | 2,646 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,252,000 | 2,646 |
| Net charge-offs | $774,000 | 2,182 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,190,560 | 2,641 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,068,000 | 2,023 |
| Total interest expense | $355,000 | 5,396 |
| Net interest income | $6,713,000 | 1,669 |
| Provision for loan and lease losses | $542,000 | 2,215 |
| Total noninterest income | $459,000 | 3,284 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $358,000 | 1,937 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 4,526 |
| Total noninterest expense | $5,379,000 | 1,814 |
| Salaries and employee benefits | $2,985,000 | 1,660 |
| Premises and equipment expense | $688,000 | 1,841 |
| Additional noninterest expense | $1,706,000 | 2,003 |
| Pre-tax net operating income | $1,251,000 | 2,164 |
| Securities gains (losses) | $90,000 | 1,211 |
| Applicable income taxes | $519,000 | 1,288 |
| Income before extraordinary items | $822,000 | 2,628 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $822,000 | 2,628 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $822,000 | 2,628 |
| Net charge-offs | $890,000 | 1,576 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $764,400 | 2,664 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 2,064 |
| Total interest expense | $185,000 | 5,410 |
| Net interest income | $3,291,000 | 1,697 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $230,000 | 3,309 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $175,000 | 1,941 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $55,000 | 4,514 |
| Total noninterest expense | $2,700,000 | 1,821 |
| Salaries and employee benefits | $1,527,000 | 1,629 |
| Premises and equipment expense | $355,000 | 1,826 |
| Additional noninterest expense | $818,000 | 2,063 |
| Pre-tax net operating income | $821,000 | 1,742 |
| Securities gains (losses) | $90,000 | 564 |
| Applicable income taxes | $351,000 | 982 |
| Income before extraordinary items | $560,000 | 2,038 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $560,000 | 2,037 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $560,000 | 2,038 |
| Net charge-offs | $-11,000 | 7,030 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $502,400 | 2,202 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,083,000 | 1,999 |
| Total interest expense | $974,000 | 5,286 |
| Net interest income | $14,109,000 | 1,581 |
| Provision for loan and lease losses | $3,518,000 | 1,454 |
| Total noninterest income | $894,000 | 3,429 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $763,000 | 1,912 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $131,000 | 5,118 |
| Total noninterest expense | $10,367,000 | 1,894 |
| Salaries and employee benefits | $5,626,000 | 1,728 |
| Premises and equipment expense | $1,376,000 | 1,871 |
| Additional noninterest expense | $3,365,000 | 2,069 |
| Pre-tax net operating income | $1,118,000 | 3,195 |
| Securities gains (losses) | $-43,000 | 7,139 |
| Applicable income taxes | $444,000 | 2,008 |
| Income before extraordinary items | $631,000 | 3,999 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $631,000 | 3,998 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $631,000 | 3,999 |
| Net charge-offs | $1,643,000 | 2,070 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $658,520 | 3,801 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,380,000 | 2,035 |
| Total interest expense | $775,000 | 5,302 |
| Net interest income | $10,605,000 | 1,597 |
| Provision for loan and lease losses | $3,518,000 | 1,139 |
| Total noninterest income | $667,000 | 3,481 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $581,000 | 1,937 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $86,000 | 5,387 |
| Total noninterest expense | $7,848,000 | 1,867 |
| Salaries and employee benefits | $4,222,000 | 1,737 |
| Premises and equipment expense | $1,049,000 | 1,860 |
| Additional noninterest expense | $2,577,000 | 2,008 |
| Pre-tax net operating income | $-94,000 | 6,151 |
| Securities gains (losses) | $-2,000 | 7,110 |
| Applicable income taxes | $-28,000 | 6,920 |
| Income before extraordinary items | $-68,000 | 6,261 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-68,000 | 6,262 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-68,000 | 6,262 |
| Net charge-offs | $1,757,000 | 1,635 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-66,580 | 6,151 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,427,000 | 2,094 |
| Total interest expense | $557,000 | 5,238 |
| Net interest income | $6,870,000 | 1,636 |
| Provision for loan and lease losses | $3,518,000 | 841 |
| Total noninterest income | $425,000 | 3,525 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $366,000 | 2,023 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $59,000 | 5,402 |
| Total noninterest expense | $5,233,000 | 1,871 |
| Salaries and employee benefits | $2,799,000 | 1,755 |
| Premises and equipment expense | $711,000 | 1,836 |
| Additional noninterest expense | $1,723,000 | 2,002 |
| Pre-tax net operating income | $-1,456,000 | 7,154 |
| Securities gains (losses) | $10,000 | 2,597 |
| Applicable income taxes | $-548,000 | 7,496 |
| Income before extraordinary items | $-898,000 | 7,052 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-898,000 | 7,052 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-898,000 | 7,052 |
| Net charge-offs | $1,766,000 | 1,233 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-904,400 | 7,022 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,612,000 | 2,220 |
| Total interest expense | $284,000 | 5,318 |
| Net interest income | $3,328,000 | 1,705 |
| Provision for loan and lease losses | $842,000 | 1,319 |
| Total noninterest income | $200,000 | 3,636 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $183,000 | 2,028 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $17,000 | 6,134 |
| Total noninterest expense | $2,639,000 | 1,889 |
| Salaries and employee benefits | $1,358,000 | 1,841 |
| Premises and equipment expense | $334,000 | 2,011 |
| Additional noninterest expense | $947,000 | 1,827 |
| Pre-tax net operating income | $47,000 | 5,691 |
| Securities gains (losses) | $-6,000 | 7,459 |
| Applicable income taxes | $12,000 | 3,714 |
| Income before extraordinary items | $29,000 | 6,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $29,000 | 6,001 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $29,000 | 6,000 |
| Net charge-offs | $-13,000 | 7,555 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $33,260 | 5,830 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,214,000 | 2,203 |
| Total interest expense | $1,630,000 | 4,969 |
| Net interest income | $13,584,000 | 1,656 |
| Provision for loan and lease losses | $2,812,000 | 2,058 |
| Total noninterest income | $843,000 | 3,662 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $710,000 | 2,226 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $133,000 | 5,270 |
| Total noninterest expense | $9,034,000 | 2,202 |
| Salaries and employee benefits | $4,976,000 | 1,979 |
| Premises and equipment expense | $1,361,000 | 1,973 |
| Additional noninterest expense | $2,697,000 | 2,575 |
| Pre-tax net operating income | $2,581,000 | 1,532 |
| Securities gains (losses) | $-477,000 | 7,582 |
| Applicable income taxes | $852,000 | 1,079 |
| Income before extraordinary items | $1,252,000 | 2,405 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,252,000 | 2,403 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,252,000 | 2,404 |
| Net charge-offs | $3,220,000 | 1,531 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,557,280 | 2,021 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,492,000 | 2,217 |
| Total interest expense | $1,315,000 | 4,935 |
| Net interest income | $10,177,000 | 1,657 |
| Provision for loan and lease losses | $2,178,000 | 1,806 |
| Total noninterest income | $638,000 | 3,725 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $532,000 | 2,239 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $106,000 | 5,301 |
| Total noninterest expense | $6,650,000 | 2,239 |
| Salaries and employee benefits | $3,751,000 | 1,983 |
| Premises and equipment expense | $985,000 | 2,046 |
| Additional noninterest expense | $1,914,000 | 2,654 |
| Pre-tax net operating income | $1,987,000 | 1,640 |
| Securities gains (losses) | $-429,000 | 7,718 |
| Applicable income taxes | $556,000 | 1,313 |
| Income before extraordinary items | $1,002,000 | 2,480 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,002,000 | 2,478 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,002,000 | 2,481 |
| Net charge-offs | $1,804,000 | 1,599 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,276,560 | 2,031 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,781,000 | 2,227 |
| Total interest expense | $922,000 | 4,931 |
| Net interest income | $6,859,000 | 1,649 |
| Provision for loan and lease losses | $1,327,000 | 1,762 |
| Total noninterest income | $420,000 | 3,756 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $354,000 | 2,222 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $66,000 | 5,442 |
| Total noninterest expense | $4,541,000 | 2,218 |
| Salaries and employee benefits | $2,544,000 | 1,983 |
| Premises and equipment expense | $648,000 | 2,110 |
| Additional noninterest expense | $1,349,000 | 2,561 |
| Pre-tax net operating income | $1,411,000 | 1,601 |
| Securities gains (losses) | $-297,000 | 7,842 |
| Applicable income taxes | $390,000 | 1,289 |
| Income before extraordinary items | $724,000 | 2,409 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $724,000 | 2,407 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $724,000 | 2,409 |
| Net charge-offs | $876,000 | 1,743 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $917,050 | 1,925 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,874,000 | 2,263 |
| Total interest expense | $478,000 | 4,954 |
| Net interest income | $3,396,000 | 1,645 |
| Provision for loan and lease losses | $1,177,000 | 1,072 |
| Total noninterest income | $210,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $180,000 | 2,146 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $30,000 | 5,617 |
| Total noninterest expense | $2,154,000 | 2,267 |
| Salaries and employee benefits | $1,272,000 | 2,019 |
| Premises and equipment expense | $314,000 | 2,215 |
| Additional noninterest expense | $568,000 | 2,687 |
| Pre-tax net operating income | $275,000 | 3,477 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $84,000 | 2,361 |
| Income before extraordinary items | $191,000 | 3,941 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $191,000 | 3,943 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $191,000 | 3,943 |
| Net charge-offs | $608,000 | 1,244 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $191,000 | 3,784 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,796,000 | 2,133 |
| Total interest expense | $3,725,000 | 3,695 |
| Net interest income | $14,071,000 | 1,588 |
| Provision for loan and lease losses | $1,759,000 | 1,959 |
| Total noninterest income | $981,000 | 3,455 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $595,000 | 2,663 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $386,000 | 3,649 |
| Total noninterest expense | $8,746,000 | 2,186 |
| Salaries and employee benefits | $5,015,000 | 2,026 |
| Premises and equipment expense | $1,250,000 | 2,158 |
| Additional noninterest expense | $2,481,000 | 2,360 |
| Pre-tax net operating income | $4,547,000 | 1,196 |
| Securities gains (losses) | $-2,830,000 | 7,981 |
| Applicable income taxes | $509,000 | 1,841 |
| Income before extraordinary items | $1,208,000 | 2,899 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,208,000 | 2,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 3,617 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,189,000 | 1,378 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,629,000 | 2,141 |
| Total interest expense | $2,994,000 | 3,632 |
| Net interest income | $10,635,000 | 1,585 |
| Provision for loan and lease losses | $1,224,000 | 1,632 |
| Total noninterest income | $731,000 | 3,551 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $412,000 | 2,830 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $319,000 | 3,587 |
| Total noninterest expense | $6,597,000 | 2,173 |
| Salaries and employee benefits | $3,880,000 | 1,987 |
| Premises and equipment expense | $945,000 | 2,156 |
| Additional noninterest expense | $1,772,000 | 2,394 |
| Pre-tax net operating income | $3,545,000 | 1,390 |
| Securities gains (losses) | $-2,026,000 | 8,065 |
| Applicable income taxes | $566,000 | 1,748 |
| Income before extraordinary items | $953,000 | 3,207 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $953,000 | 3,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,975 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,249,640 | 1,695 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,136,000 | 2,156 |
| Total interest expense | $2,168,000 | 3,539 |
| Net interest income | $6,968,000 | 1,612 |
| Provision for loan and lease losses | $1,001,000 | 1,218 |
| Total noninterest income | $481,000 | 3,590 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $265,000 | 2,884 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $216,000 | 3,615 |
| Total noninterest expense | $4,368,000 | 2,192 |
| Salaries and employee benefits | $2,554,000 | 2,029 |
| Premises and equipment expense | $631,000 | 2,150 |
| Additional noninterest expense | $1,183,000 | 2,386 |
| Pre-tax net operating income | $2,080,000 | 1,632 |
| Securities gains (losses) | $-1,924,000 | 8,395 |
| Applicable income taxes | $35,000 | 4,323 |
| Income before extraordinary items | $121,000 | 6,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 6,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,621,720 | 1,638 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,744,000 | 2,133 |
| Total interest expense | $1,303,000 | 3,244 |
| Net interest income | $3,441,000 | 1,611 |
| Provision for loan and lease losses | $262,000 | 1,537 |
| Total noninterest income | $250,000 | 3,514 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $122,000 | 3,018 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $128,000 | 3,321 |
| Total noninterest expense | $2,079,000 | 2,293 |
| Salaries and employee benefits | $1,251,000 | 2,098 |
| Premises and equipment expense | $303,000 | 2,244 |
| Additional noninterest expense | $525,000 | 2,605 |
| Pre-tax net operating income | $1,350,000 | 1,393 |
| Securities gains (losses) | $-1,308,000 | 8,467 |
| Applicable income taxes | $-6,000 | 7,806 |
| Income before extraordinary items | $48,000 | 6,608 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $48,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,356,000 | 1,073 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,613,000 | 2,034 |
| Total interest expense | $6,214,000 | 2,929 |
| Net interest income | $14,399,000 | 1,573 |
| Provision for loan and lease losses | $565,000 | 2,148 |
| Total noninterest income | $678,000 | 4,374 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $321,000 | 3,957 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $357,000 | 3,949 |
| Total noninterest expense | $8,876,000 | 2,073 |
| Salaries and employee benefits | $4,904,000 | 2,059 |
| Premises and equipment expense | $1,272,000 | 2,053 |
| Additional noninterest expense | $2,700,000 | 2,036 |
| Pre-tax net operating income | $5,636,000 | 1,483 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,242,000 | 1,030 |
| Income before extraordinary items | $3,394,000 | 1,841 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,394,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,649 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,394,000 | 1,829 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,456,000 | 2,040 |
| Total interest expense | $4,620,000 | 2,944 |
| Net interest income | $10,836,000 | 1,578 |
| Provision for loan and lease losses | $416,000 | 1,804 |
| Total noninterest income | $656,000 | 3,828 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $225,000 | 4,080 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $431,000 | 3,070 |
| Total noninterest expense | $6,696,000 | 2,040 |
| Salaries and employee benefits | $3,724,000 | 2,016 |
| Premises and equipment expense | $967,000 | 2,006 |
| Additional noninterest expense | $2,005,000 | 1,999 |
| Pre-tax net operating income | $4,380,000 | 1,544 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,723,000 | 1,091 |
| Income before extraordinary items | $2,657,000 | 1,896 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,657,000 | 1,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,360 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,657,000 | 1,884 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,182,000 | 2,073 |
| Total interest expense | $3,010,000 | 3,002 |
| Net interest income | $7,172,000 | 1,609 |
| Provision for loan and lease losses | $353,000 | 1,357 |
| Total noninterest income | $421,000 | 3,922 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $141,000 | 4,215 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $280,000 | 3,130 |
| Total noninterest expense | $4,478,000 | 2,057 |
| Salaries and employee benefits | $2,498,000 | 2,040 |
| Premises and equipment expense | $650,000 | 1,999 |
| Additional noninterest expense | $1,330,000 | 2,026 |
| Pre-tax net operating income | $2,762,000 | 1,666 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,085,000 | 1,200 |
| Income before extraordinary items | $1,677,000 | 2,033 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,677,000 | 2,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,577 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,677,000 | 2,017 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,936,000 | 2,132 |
| Total interest expense | $1,443,000 | 3,088 |
| Net interest income | $3,493,000 | 1,645 |
| Provision for loan and lease losses | $250,000 | 954 |
| Total noninterest income | $176,000 | 4,282 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $65,000 | 4,347 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $111,000 | 3,572 |
| Total noninterest expense | $2,213,000 | 2,083 |
| Salaries and employee benefits | $1,263,000 | 2,037 |
| Premises and equipment expense | $315,000 | 2,063 |
| Additional noninterest expense | $635,000 | 2,070 |
| Pre-tax net operating income | $1,206,000 | 1,855 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $473,000 | 1,339 |
| Income before extraordinary items | $733,000 | 2,221 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $733,000 | 2,221 |
| 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 | $733,000 | 2,207 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,175,000 | 2,264 |
| Total interest expense | $4,755,000 | 3,154 |
| Net interest income | $12,420,000 | 1,861 |
| Provision for loan and lease losses | $727,000 | 1,364 |
| Total noninterest income | $641,000 | 4,567 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $210,000 | 4,878 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $431,000 | 3,601 |
| Total noninterest expense | $7,938,000 | 2,224 |
| Salaries and employee benefits | $4,333,000 | 2,255 |
| Premises and equipment expense | $1,225,000 | 2,042 |
| Additional noninterest expense | $2,380,000 | 2,194 |
| Pre-tax net operating income | $4,396,000 | 2,085 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,782,000 | 1,454 |
| Income before extraordinary items | $2,614,000 | 2,520 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,614,000 | 2,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,635 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,614,000 | 2,497 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,365,000 | 2,350 |
| Total interest expense | $3,342,000 | 3,225 |
| Net interest income | $9,023,000 | 1,948 |
| Provision for loan and lease losses | $426,000 | 1,611 |
| Total noninterest income | $414,000 | 4,937 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $161,000 | 4,884 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $253,000 | 4,074 |
| Total noninterest expense | $5,831,000 | 2,266 |
| Salaries and employee benefits | $3,167,000 | 2,322 |
| Premises and equipment expense | $901,000 | 2,085 |
| Additional noninterest expense | $1,763,000 | 2,209 |
| Pre-tax net operating income | $3,180,000 | 2,220 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,257,000 | 1,596 |
| Income before extraordinary items | $1,923,000 | 2,648 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,923,000 | 2,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 1,588 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,923,000 | 2,640 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,720,000 | 2,444 |
| Total interest expense | $2,003,000 | 3,373 |
| Net interest income | $5,717,000 | 2,049 |
| Provision for loan and lease losses | $322,000 | 1,382 |
| Total noninterest income | $205,000 | 5,582 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $118,000 | 4,641 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 5,421 |
| Total noninterest expense | $3,793,000 | 2,332 |
| Salaries and employee benefits | $2,075,000 | 2,366 |
| Premises and equipment expense | $559,000 | 2,226 |
| Additional noninterest expense | $1,159,000 | 2,245 |
| Pre-tax net operating income | $1,807,000 | 2,512 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $714,000 | 1,831 |
| Income before extraordinary items | $1,093,000 | 3,000 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,093,000 | 3,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 1,145 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,093,000 | 2,987 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,665,000 | 2,517 |
| Total interest expense | $896,000 | 3,554 |
| Net interest income | $2,769,000 | 2,095 |
| Provision for loan and lease losses | $46,000 | 3,241 |
| Total noninterest income | $101,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $55,000 | 4,737 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $46,000 | 5,273 |
| Total noninterest expense | $1,863,000 | 2,374 |
| Salaries and employee benefits | $1,052,000 | 2,345 |
| Premises and equipment expense | $267,000 | 2,333 |
| Additional noninterest expense | $544,000 | 2,356 |
| Pre-tax net operating income | $961,000 | 2,345 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $380,000 | 1,723 |
| Income before extraordinary items | $581,000 | 2,809 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $581,000 | 2,808 |
| 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 | $581,000 | 2,796 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,571,000 | 3,008 |
| Total interest expense | $1,952,000 | 4,504 |
| Net interest income | $8,619,000 | 2,529 |
| Provision for loan and lease losses | $545,000 | 1,771 |
| Total noninterest income | $694,000 | 4,406 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $231,000 | 4,744 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $463,000 | 3,511 |
| Total noninterest expense | $6,272,000 | 2,642 |
| Salaries and employee benefits | $3,464,000 | 2,623 |
| Premises and equipment expense | $1,036,000 | 2,293 |
| Additional noninterest expense | $1,772,000 | 2,794 |
| Pre-tax net operating income | $2,496,000 | 3,167 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $967,000 | 2,307 |
| Income before extraordinary items | $1,529,000 | 3,741 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,529,000 | 3,742 |
| 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 | $1,529,000 | 3,707 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,326,000 | 3,161 |
| Total interest expense | $1,256,000 | 4,817 |
| Net interest income | $6,070,000 | 2,647 |
| Provision for loan and lease losses | $291,000 | 2,246 |
| Total noninterest income | $464,000 | 4,742 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $182,000 | 4,659 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $282,000 | 3,910 |
| Total noninterest expense | $4,493,000 | 2,728 |
| Salaries and employee benefits | $2,560,000 | 2,608 |
| Premises and equipment expense | $746,000 | 2,358 |
| Additional noninterest expense | $1,187,000 | 3,069 |
| Pre-tax net operating income | $1,750,000 | 3,366 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $693,000 | 2,404 |
| Income before extraordinary items | $1,057,000 | 4,015 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,057,000 | 4,015 |
| 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 | $1,057,000 | 3,968 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,464,000 | 3,330 |
| Total interest expense | $677,000 | 5,251 |
| Net interest income | $3,787,000 | 2,786 |
| Provision for loan and lease losses | $166,000 | 2,472 |
| Total noninterest income | $263,000 | 5,103 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $125,000 | 4,565 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $138,000 | 4,501 |
| Total noninterest expense | $2,841,000 | 2,845 |
| Salaries and employee benefits | $1,596,000 | 2,768 |
| Premises and equipment expense | $469,000 | 2,469 |
| Additional noninterest expense | $776,000 | 3,102 |
| Pre-tax net operating income | $1,043,000 | 3,603 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $413,000 | 2,563 |
| Income before extraordinary items | $630,000 | 4,291 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $630,000 | 4,293 |
| 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 | $630,000 | 4,235 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,116,000 | 3,435 |
| Total interest expense | $290,000 | 5,571 |
| Net interest income | $1,826,000 | 2,880 |
| Provision for loan and lease losses | $-12,000 | 8,733 |
| Total noninterest income | $102,000 | 5,632 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,797 |
| Total noninterest expense | $1,339,000 | 3,008 |
| Salaries and employee benefits | $770,000 | 2,859 |
| Premises and equipment expense | $213,000 | 2,712 |
| Additional noninterest expense | $356,000 | 3,320 |
| Pre-tax net operating income | $601,000 | 3,216 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $238,000 | 2,337 |
| Income before extraordinary items | $363,000 | 3,878 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $363,000 | 3,880 |
| 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 | $363,000 | 3,834 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,326,000 | 4,100 |
| Total interest expense | $763,000 | 6,375 |
| Net interest income | $5,563,000 | 3,514 |
| Provision for loan and lease losses | $345,000 | 2,653 |
| Total noninterest income | $581,000 | 4,891 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $281,000 | 4,462 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $300,000 | 4,267 |
| Total noninterest expense | $4,872,000 | 3,188 |
| Salaries and employee benefits | $2,592,000 | 3,248 |
| Premises and equipment expense | $935,000 | 2,437 |
| Additional noninterest expense | $1,345,000 | 3,426 |
| Pre-tax net operating income | $927,000 | 5,423 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-574,000 | 8,908 |
| Income before extraordinary items | $1,501,000 | 3,643 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,501,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,501,000 | 3,581 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,444,000 | 4,280 |
| Total interest expense | $537,000 | 6,513 |
| Net interest income | $3,907,000 | 3,667 |
| Provision for loan and lease losses | $266,000 | 2,481 |
| Total noninterest income | $473,000 | 4,685 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $223,000 | 4,376 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $250,000 | 4,065 |
| Total noninterest expense | $3,595,000 | 3,222 |
| Salaries and employee benefits | $1,933,000 | 3,236 |
| Premises and equipment expense | $729,000 | 2,345 |
| Additional noninterest expense | $933,000 | 3,607 |
| Pre-tax net operating income | $519,000 | 6,241 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $-310,000 | 8,948 |
| Income before extraordinary items | $829,000 | 4,519 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $829,000 | 4,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $829,000 | 4,440 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,755,000 | 4,514 |
| Total interest expense | $349,000 | 6,625 |
| Net interest income | $2,406,000 | 3,897 |
| Provision for loan and lease losses | $160,000 | 2,593 |
| Total noninterest income | $353,000 | 4,404 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $155,000 | 4,246 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $198,000 | 3,753 |
| Total noninterest expense | $2,343,000 | 3,298 |
| Salaries and employee benefits | $1,260,000 | 3,308 |
| Premises and equipment expense | $481,000 | 2,365 |
| Additional noninterest expense | $602,000 | 3,737 |
| Pre-tax net operating income | $256,000 | 6,788 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-250,000 | 9,009 |
| Income before extraordinary items | $506,000 | 4,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $506,000 | 4,705 |
| 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 | $506,000 | 4,615 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 4,716 |
| Total interest expense | $166,000 | 6,810 |
| Net interest income | $1,136,000 | 4,077 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $211,000 | 3,938 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $79,000 | 4,141 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $132,000 | 3,164 |
| Total noninterest expense | $1,159,000 | 3,320 |
| Salaries and employee benefits | $631,000 | 3,321 |
| Premises and equipment expense | $232,000 | 2,460 |
| Additional noninterest expense | $296,000 | 3,780 |
| Pre-tax net operating income | $138,000 | 6,608 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-221,000 | 9,073 |
| Income before extraordinary items | $359,000 | 3,788 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $359,000 | 3,787 |
| 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 | $359,000 | 3,670 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,333,000 | 5,367 |
| Total interest expense | $589,000 | 7,426 |
| Net interest income | $3,744,000 | 4,582 |
| Provision for loan and lease losses | $285,000 | 3,294 |
| Total noninterest income | $876,000 | 4,014 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $221,000 | 5,043 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $655,000 | 3,092 |
| Total noninterest expense | $4,164,000 | 3,600 |
| Salaries and employee benefits | $2,194,000 | 3,628 |
| Premises and equipment expense | $879,000 | 2,543 |
| Additional noninterest expense | $1,091,000 | 3,999 |
| Pre-tax net operating income | $171,000 | 7,924 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $171,000 | 7,905 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $171,000 | 7,906 |
| 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 | $0 | 868 |
| Net operating income | $171,000 | 7,778 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,085,000 | 5,609 |
| Total interest expense | $432,000 | 7,630 |
| Net interest income | $2,653,000 | 4,766 |
| Provision for loan and lease losses | $175,000 | 3,642 |
| Total noninterest income | $549,000 | 4,468 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $150,000 | 5,302 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $399,000 | 3,535 |
| Total noninterest expense | $2,994,000 | 3,716 |
| Salaries and employee benefits | $1,619,000 | 3,673 |
| Premises and equipment expense | $634,000 | 2,633 |
| Additional noninterest expense | $741,000 | 4,301 |
| Pre-tax net operating income | $33,000 | 8,523 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $33,000 | 8,606 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $33,000 | 8,607 |
| 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 | $0 | 722 |
| Net operating income | $33,000 | 8,497 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,975,000 | 5,791 |
| Total interest expense | $286,000 | 7,757 |
| Net interest income | $1,689,000 | 4,919 |
| Provision for loan and lease losses | $125,000 | 3,389 |
| Total noninterest income | $400,000 | 4,242 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $313,000 | 3,214 |
| Total noninterest expense | $1,952,000 | 3,773 |
| Salaries and employee benefits | $1,070,000 | 3,695 |
| Premises and equipment expense | $403,000 | 2,744 |
| Additional noninterest expense | $479,000 | 4,383 |
| Pre-tax net operating income | $12,000 | 8,597 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $12,000 | 8,695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $12,000 | 8,696 |
| 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 | $0 | 589 |
| Net operating income | $12,000 | 8,578 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $945,000 | 5,952 |
| Total interest expense | $129,000 | 8,053 |
| Net interest income | $816,000 | 5,019 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $280,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $242,000 | 2,407 |
| Total noninterest expense | $980,000 | 3,727 |
| Salaries and employee benefits | $545,000 | 3,627 |
| Premises and equipment expense | $189,000 | 2,896 |
| Additional noninterest expense | $246,000 | 4,267 |
| Pre-tax net operating income | $41,000 | 8,135 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $41,000 | 8,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,077 |
| 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 | $0 | 419 |
| Net operating income | $41,000 | 7,929 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,543,000 | 7,316 |
| Total interest expense | $443,000 | 8,533 |
| Net interest income | $2,100,000 | 6,470 |
| Provision for loan and lease losses | $556,000 | 2,202 |
| Total noninterest income | $381,000 | 5,897 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $288,000 | 4,346 |
| Total noninterest expense | $3,541,000 | 3,920 |
| Salaries and employee benefits | $1,912,000 | 3,885 |
| Premises and equipment expense | $760,000 | 2,790 |
| Additional noninterest expense | $869,000 | 4,655 |
| Pre-tax net operating income | $-1,616,000 | 9,222 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,000 | 7,615 |
| Income before extraordinary items | $-1,617,000 | 9,254 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-1,617,000 | 9,252 |
| 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 | $-1,617,000 | 9,224 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $172,000 | 9,546 |
| Total interest expense | $45,000 | 9,505 |
| Net interest income | $127,000 | 9,538 |
| Provision for loan and lease losses | $172,000 | 4,506 |
| Total noninterest income | $4,000 | 9,518 |
| 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 | $2,000 | 9,423 |
| Total noninterest expense | $874,000 | 8,268 |
| Salaries and employee benefits | $453,000 | 8,384 |
| Premises and equipment expense | $185,000 | 7,000 |
| Additional noninterest expense | $236,000 | 8,352 |
| Pre-tax net operating income | $-915,000 | 9,331 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-915,000 | 9,397 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-915,000 | 9,398 |
| 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 | $10,000,000 | 73 |
| Net operating income | $-915,000 | 9,365 |
* 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.