Home > Ridgestone Bank > Income and Expense
Ridgestone Bank, Income and Expense
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $22,309,000 | 907 |
| Total interest expense | $2,632,000 | 829 |
| Net interest income | $19,677,000 | 911 |
| Provision for loan and lease losses | $3,444,000 | 264 |
| Total noninterest income | $31,364,000 | 256 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $224,000 | 2,958 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $31,140,000 | 191 |
| Total noninterest expense | $23,465,000 | 682 |
| Salaries and employee benefits | $16,031,000 | 556 |
| Premises and equipment expense | $806,000 | 2,036 |
| Additional noninterest expense | $6,628,000 | 747 |
| Pre-tax net operating income | $24,132,000 | 358 |
| Securities gains (losses) | $0 | 3,160 |
| Applicable income taxes | $9,381,000 | 298 |
| Income before extraordinary items | $14,751,000 | 412 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $14,751,000 | 411 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $14,751,000 | 412 |
| Net charge-offs | $3,809,000 | 187 |
| Cash dividends | $3,135,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 413 |
| Net operating income | $14,751,000 | 405 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $14,614,000 | 922 |
| Total interest expense | $1,718,000 | 848 |
| Net interest income | $12,896,000 | 932 |
| Provision for loan and lease losses | $2,293,000 | 257 |
| Total noninterest income | $19,579,000 | 256 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $154,000 | 2,907 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $19,425,000 | 193 |
| Total noninterest expense | $14,910,000 | 714 |
| Salaries and employee benefits | $10,429,000 | 563 |
| Premises and equipment expense | $556,000 | 1,977 |
| Additional noninterest expense | $3,925,000 | 840 |
| Pre-tax net operating income | $15,272,000 | 361 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $6,157,000 | 289 |
| Income before extraordinary items | $9,115,000 | 430 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $9,115,000 | 429 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $9,115,000 | 429 |
| Net charge-offs | $1,633,000 | 248 |
| Cash dividends | $1,445,000 | 991 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 352 |
| Net operating income | $9,115,000 | 420 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $7,552,000 | 888 |
| Total interest expense | $826,000 | 878 |
| Net interest income | $6,726,000 | 880 |
| Provision for loan and lease losses | $761,000 | 343 |
| Total noninterest income | $8,805,000 | 263 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $83,000 | 2,745 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $8,722,000 | 201 |
| Total noninterest expense | $7,602,000 | 706 |
| Salaries and employee benefits | $5,386,000 | 546 |
| Premises and equipment expense | $285,000 | 1,953 |
| Additional noninterest expense | $1,931,000 | 844 |
| Pre-tax net operating income | $7,168,000 | 370 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $2,901,000 | 306 |
| Income before extraordinary items | $4,267,000 | 440 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $4,267,000 | 440 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $4,267,000 | 440 |
| Net charge-offs | $28,000 | 1,781 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 244 |
| Net operating income | $4,267,000 | 430 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $26,104,000 | 997 |
| Total interest expense | $2,947,000 | 959 |
| Net interest income | $23,157,000 | 996 |
| Provision for loan and lease losses | $3,340,000 | 290 |
| Total noninterest income | $30,172,000 | 302 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $304,000 | 3,006 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $29,868,000 | 233 |
| Total noninterest expense | $30,504,000 | 675 |
| Salaries and employee benefits | $18,721,000 | 604 |
| Premises and equipment expense | $1,079,000 | 2,058 |
| Additional noninterest expense | $10,704,000 | 636 |
| Pre-tax net operating income | $19,485,000 | 501 |
| Securities gains (losses) | $99,000 | 1,182 |
| Applicable income taxes | $8,049,000 | 376 |
| Income before extraordinary items | $11,535,000 | 637 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $11,535,000 | 635 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $11,535,000 | 638 |
| Net charge-offs | $1,707,000 | 436 |
| Cash dividends | $4,624,000 | 708 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 449 |
| Net operating income | $11,471,640 | 627 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $18,695,000 | 1,048 |
| Total interest expense | $2,142,000 | 1,002 |
| Net interest income | $16,553,000 | 1,047 |
| Provision for loan and lease losses | $1,829,000 | 356 |
| Total noninterest income | $21,661,000 | 321 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $218,000 | 3,107 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,443,000 | 245 |
| Total noninterest expense | $23,531,000 | 673 |
| Salaries and employee benefits | $13,564,000 | 647 |
| Premises and equipment expense | $831,000 | 2,038 |
| Additional noninterest expense | $9,136,000 | 558 |
| Pre-tax net operating income | $12,854,000 | 561 |
| Securities gains (losses) | $99,000 | 1,051 |
| Applicable income taxes | $5,334,000 | 435 |
| Income before extraordinary items | $7,619,000 | 727 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,619,000 | 725 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $7,619,000 | 727 |
| Net charge-offs | $-13,000 | 5,227 |
| Cash dividends | $2,774,000 | 770 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 382 |
| Net operating income | $7,555,640 | 716 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $12,263,000 | 1,064 |
| Total interest expense | $1,365,000 | 1,048 |
| Net interest income | $10,898,000 | 1,053 |
| Provision for loan and lease losses | $1,320,000 | 342 |
| Total noninterest income | $14,849,000 | 318 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $134,000 | 3,242 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $14,715,000 | 242 |
| Total noninterest expense | $17,116,000 | 625 |
| Salaries and employee benefits | $9,101,000 | 631 |
| Premises and equipment expense | $554,000 | 2,043 |
| Additional noninterest expense | $7,461,000 | 468 |
| Pre-tax net operating income | $7,311,000 | 655 |
| Securities gains (losses) | $73,000 | 1,005 |
| Applicable income taxes | $3,043,000 | 472 |
| Income before extraordinary items | $4,341,000 | 834 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,341,000 | 834 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $4,341,000 | 834 |
| Net charge-offs | $158,000 | 1,345 |
| Cash dividends | $1,850,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 314 |
| Net operating income | $4,294,280 | 817 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $5,629,000 | 1,138 |
| Total interest expense | $660,000 | 1,086 |
| Net interest income | $4,969,000 | 1,148 |
| Provision for loan and lease losses | $374,000 | 532 |
| Total noninterest income | $7,049,000 | 318 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $58,000 | 3,437 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $6,991,000 | 238 |
| Total noninterest expense | $6,482,000 | 811 |
| Salaries and employee benefits | $4,580,000 | 629 |
| Premises and equipment expense | $286,000 | 2,020 |
| Additional noninterest expense | $1,616,000 | 1,001 |
| Pre-tax net operating income | $5,162,000 | 470 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $2,085,000 | 369 |
| Income before extraordinary items | $3,077,000 | 586 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $3,077,000 | 583 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $3,077,000 | 586 |
| Net charge-offs | $246,000 | 634 |
| Cash dividends | $925,000 | 724 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 202 |
| Net operating income | $3,077,000 | 573 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $22,054,000 | 1,164 |
| Total interest expense | $2,508,000 | 1,165 |
| Net interest income | $19,546,000 | 1,152 |
| Provision for loan and lease losses | $4,536,000 | 234 |
| Total noninterest income | $29,691,000 | 286 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $539,000 | 2,160 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $29,152,000 | 213 |
| Total noninterest expense | $24,905,000 | 806 |
| Salaries and employee benefits | $16,229,000 | 682 |
| Premises and equipment expense | $1,011,000 | 2,219 |
| Additional noninterest expense | $7,665,000 | 850 |
| Pre-tax net operating income | $19,796,000 | 454 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $7,792,000 | 369 |
| Income before extraordinary items | $12,004,000 | 568 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $12,004,000 | 565 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $12,004,000 | 568 |
| Net charge-offs | $5,385,000 | 222 |
| Cash dividends | $14,692,000 | 257 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 515 |
| Net operating income | $12,004,000 | 555 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $16,177,000 | 1,196 |
| Total interest expense | $1,863,000 | 1,189 |
| Net interest income | $14,314,000 | 1,182 |
| Provision for loan and lease losses | $3,505,000 | 221 |
| Total noninterest income | $23,015,000 | 276 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $419,000 | 2,093 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $22,596,000 | 204 |
| Total noninterest expense | $18,051,000 | 835 |
| Salaries and employee benefits | $11,784,000 | 705 |
| Premises and equipment expense | $735,000 | 2,308 |
| Additional noninterest expense | $5,532,000 | 880 |
| Pre-tax net operating income | $15,773,000 | 440 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $6,207,000 | 350 |
| Income before extraordinary items | $9,566,000 | 534 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $9,566,000 | 531 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $9,566,000 | 534 |
| Net charge-offs | $3,179,000 | 257 |
| Cash dividends | $8,172,000 | 296 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 421 |
| Net operating income | $9,566,000 | 521 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $10,445,000 | 1,217 |
| Total interest expense | $1,220,000 | 1,216 |
| Net interest income | $9,225,000 | 1,212 |
| Provision for loan and lease losses | $3,128,000 | 176 |
| Total noninterest income | $16,323,000 | 265 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $294,000 | 1,981 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $16,029,000 | 193 |
| Total noninterest expense | $11,764,000 | 851 |
| Salaries and employee benefits | $7,340,000 | 746 |
| Premises and equipment expense | $470,000 | 2,396 |
| Additional noninterest expense | $3,954,000 | 818 |
| Pre-tax net operating income | $10,656,000 | 431 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $4,193,000 | 338 |
| Income before extraordinary items | $6,463,000 | 509 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $6,463,000 | 508 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $6,463,000 | 509 |
| Net charge-offs | $2,874,000 | 214 |
| Cash dividends | $8,172,000 | 213 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 355 |
| Net operating income | $6,463,000 | 504 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $5,088,000 | 1,245 |
| Total interest expense | $611,000 | 1,236 |
| Net interest income | $4,477,000 | 1,248 |
| Provision for loan and lease losses | $1,717,000 | 166 |
| Total noninterest income | $7,290,000 | 279 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $169,000 | 1,775 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $7,121,000 | 206 |
| Total noninterest expense | $5,565,000 | 904 |
| Salaries and employee benefits | $3,482,000 | 803 |
| Premises and equipment expense | $210,000 | 2,671 |
| Additional noninterest expense | $1,873,000 | 846 |
| Pre-tax net operating income | $4,485,000 | 484 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $1,761,000 | 374 |
| Income before extraordinary items | $2,724,000 | 586 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,724,000 | 587 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $2,724,000 | 587 |
| Net charge-offs | $505,000 | 499 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 229 |
| Net operating income | $2,724,000 | 580 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $20,278,000 | 1,247 |
| Total interest expense | $2,908,000 | 1,159 |
| Net interest income | $17,370,000 | 1,270 |
| Provision for loan and lease losses | $5,425,000 | 250 |
| Total noninterest income | $19,468,000 | 415 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $571,000 | 2,153 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $18,897,000 | 301 |
| Total noninterest expense | $19,513,000 | 1,053 |
| Salaries and employee benefits | $12,292,000 | 879 |
| Premises and equipment expense | $954,000 | 2,333 |
| Additional noninterest expense | $6,267,000 | 1,080 |
| Pre-tax net operating income | $11,900,000 | 659 |
| Securities gains (losses) | $146,000 | 1,085 |
| Applicable income taxes | $4,742,000 | 471 |
| Income before extraordinary items | $7,304,000 | 859 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,304,000 | 861 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $7,304,000 | 861 |
| Net charge-offs | $7,746,000 | 231 |
| Cash dividends | $350,000 | 3,137 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 618 |
| Net operating income | $7,210,560 | 851 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $14,897,000 | 1,283 |
| Total interest expense | $2,254,000 | 1,161 |
| Net interest income | $12,643,000 | 1,293 |
| Provision for loan and lease losses | $3,901,000 | 261 |
| Total noninterest income | $14,522,000 | 430 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $402,000 | 2,274 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $14,120,000 | 315 |
| Total noninterest expense | $13,893,000 | 1,098 |
| Salaries and employee benefits | $8,665,000 | 933 |
| Premises and equipment expense | $705,000 | 2,399 |
| Additional noninterest expense | $4,523,000 | 1,120 |
| Pre-tax net operating income | $9,371,000 | 646 |
| Securities gains (losses) | $137,000 | 1,027 |
| Applicable income taxes | $3,738,000 | 476 |
| Income before extraordinary items | $5,770,000 | 827 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $5,770,000 | 829 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $5,770,000 | 829 |
| Net charge-offs | $5,468,000 | 241 |
| Cash dividends | $350,000 | 2,461 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 533 |
| Net operating income | $5,682,320 | 818 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $9,593,000 | 1,325 |
| Total interest expense | $1,554,000 | 1,156 |
| Net interest income | $8,039,000 | 1,345 |
| Provision for loan and lease losses | $3,245,000 | 231 |
| Total noninterest income | $11,374,000 | 389 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $237,000 | 2,466 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $11,137,000 | 284 |
| Total noninterest expense | $9,204,000 | 1,105 |
| Salaries and employee benefits | $5,491,000 | 983 |
| Premises and equipment expense | $461,000 | 2,439 |
| Additional noninterest expense | $3,252,000 | 1,031 |
| Pre-tax net operating income | $6,964,000 | 576 |
| Securities gains (losses) | $128,000 | 958 |
| Applicable income taxes | $2,789,000 | 434 |
| Income before extraordinary items | $4,303,000 | 736 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,303,000 | 737 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $4,303,000 | 738 |
| Net charge-offs | $2,079,000 | 433 |
| Cash dividends | $350,000 | 2,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $4,221,080 | 712 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $4,860,000 | 1,311 |
| Total interest expense | $804,000 | 1,155 |
| Net interest income | $4,056,000 | 1,328 |
| Provision for loan and lease losses | $1,167,000 | 334 |
| Total noninterest income | $5,152,000 | 415 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $104,000 | 2,709 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $5,048,000 | 300 |
| Total noninterest expense | $4,360,000 | 1,174 |
| Salaries and employee benefits | $2,724,000 | 1,006 |
| Premises and equipment expense | $225,000 | 2,520 |
| Additional noninterest expense | $1,411,000 | 1,167 |
| Pre-tax net operating income | $3,681,000 | 558 |
| Securities gains (losses) | $73,000 | 772 |
| Applicable income taxes | $1,475,000 | 424 |
| Income before extraordinary items | $2,279,000 | 691 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $2,279,000 | 691 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $2,279,000 | 692 |
| Net charge-offs | $2,183,000 | 241 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $2,232,280 | 677 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $20,652,000 | 1,298 |
| Total interest expense | $4,476,000 | 1,012 |
| Net interest income | $16,176,000 | 1,355 |
| Provision for loan and lease losses | $8,447,000 | 319 |
| Total noninterest income | $14,960,000 | 507 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $414,000 | 2,862 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $14,546,000 | 378 |
| Total noninterest expense | $19,272,000 | 1,041 |
| Salaries and employee benefits | $9,900,000 | 1,058 |
| Premises and equipment expense | $814,000 | 2,700 |
| Additional noninterest expense | $8,558,000 | 824 |
| Pre-tax net operating income | $3,417,000 | 1,863 |
| Securities gains (losses) | $249,000 | 1,508 |
| Applicable income taxes | $1,435,000 | 1,133 |
| Income before extraordinary items | $2,231,000 | 2,394 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,231,000 | 2,394 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,231,000 | 2,395 |
| Net charge-offs | $10,893,000 | 295 |
| Cash dividends | $240,000 | 3,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,071,640 | 2,398 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $15,205,000 | 1,342 |
| Total interest expense | $3,629,000 | 970 |
| Net interest income | $11,576,000 | 1,443 |
| Provision for loan and lease losses | $6,625,000 | 324 |
| Total noninterest income | $10,369,000 | 535 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $335,000 | 2,746 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $10,034,000 | 394 |
| Total noninterest expense | $14,020,000 | 1,066 |
| Salaries and employee benefits | $7,101,000 | 1,101 |
| Premises and equipment expense | $582,000 | 2,838 |
| Additional noninterest expense | $6,337,000 | 824 |
| Pre-tax net operating income | $1,300,000 | 3,148 |
| Securities gains (losses) | $249,000 | 1,264 |
| Applicable income taxes | $604,000 | 1,745 |
| Income before extraordinary items | $945,000 | 3,536 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $945,000 | 3,536 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $945,000 | 3,538 |
| Net charge-offs | $7,806,000 | 316 |
| Cash dividends | $240,000 | 2,764 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $785,640 | 3,730 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $10,089,000 | 1,356 |
| Total interest expense | $2,560,000 | 960 |
| Net interest income | $7,529,000 | 1,486 |
| Provision for loan and lease losses | $3,911,000 | 371 |
| Total noninterest income | $5,553,000 | 623 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $204,000 | 2,903 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,349,000 | 454 |
| Total noninterest expense | $8,662,000 | 1,158 |
| Salaries and employee benefits | $4,616,000 | 1,136 |
| Premises and equipment expense | $366,000 | 2,972 |
| Additional noninterest expense | $3,680,000 | 944 |
| Pre-tax net operating income | $509,000 | 4,091 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $196,000 | 2,467 |
| Income before extraordinary items | $313,000 | 4,751 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $313,000 | 4,754 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $313,000 | 4,754 |
| Net charge-offs | $2,539,000 | 578 |
| Cash dividends | $240,000 | 2,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $313,000 | 4,563 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,991,000 | 1,381 |
| Total interest expense | $1,352,000 | 941 |
| Net interest income | $3,639,000 | 1,536 |
| Provision for loan and lease losses | $2,191,000 | 327 |
| Total noninterest income | $3,182,000 | 557 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $97,000 | 2,987 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,085,000 | 405 |
| Total noninterest expense | $4,281,000 | 1,170 |
| Salaries and employee benefits | $2,327,000 | 1,118 |
| Premises and equipment expense | $194,000 | 2,849 |
| Additional noninterest expense | $1,760,000 | 969 |
| Pre-tax net operating income | $349,000 | 3,558 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $134,000 | 2,158 |
| Income before extraordinary items | $215,000 | 4,255 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $215,000 | 4,259 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $215,000 | 4,259 |
| Net charge-offs | $309,000 | 1,460 |
| Cash dividends | $240,000 | 1,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $215,000 | 4,106 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $22,014,000 | 1,301 |
| Total interest expense | $6,483,000 | 939 |
| Net interest income | $15,531,000 | 1,432 |
| Provision for loan and lease losses | $7,325,000 | 569 |
| Total noninterest income | $10,582,000 | 581 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $401,000 | 3,019 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $10,181,000 | 418 |
| Total noninterest expense | $16,989,000 | 1,158 |
| Salaries and employee benefits | $8,119,000 | 1,227 |
| Premises and equipment expense | $649,000 | 3,372 |
| Additional noninterest expense | $8,221,000 | 869 |
| Pre-tax net operating income | $1,799,000 | 2,706 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $691,000 | 1,689 |
| Income before extraordinary items | $1,108,000 | 3,348 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,108,000 | 3,351 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,108,000 | 3,351 |
| Net charge-offs | $5,400,000 | 754 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 879 |
| Net operating income | $1,108,000 | 3,246 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $16,880,000 | 1,281 |
| Total interest expense | $5,073,000 | 938 |
| Net interest income | $11,807,000 | 1,428 |
| Provision for loan and lease losses | $4,881,000 | 629 |
| Total noninterest income | $9,288,000 | 530 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $305,000 | 3,004 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $8,983,000 | 373 |
| Total noninterest expense | $12,708,000 | 1,158 |
| Salaries and employee benefits | $5,876,000 | 1,264 |
| Premises and equipment expense | $451,000 | 3,611 |
| Additional noninterest expense | $6,381,000 | 836 |
| Pre-tax net operating income | $3,506,000 | 1,289 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $1,367,000 | 856 |
| Income before extraordinary items | $2,139,000 | 1,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,139,000 | 1,738 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,139,000 | 1,738 |
| Net charge-offs | $3,679,000 | 803 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,139,000 | 1,660 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $11,572,000 | 1,256 |
| Total interest expense | $3,439,000 | 952 |
| Net interest income | $8,133,000 | 1,366 |
| Provision for loan and lease losses | $2,364,000 | 820 |
| Total noninterest income | $6,021,000 | 548 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $198,000 | 3,058 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,823,000 | 379 |
| Total noninterest expense | $7,811,000 | 1,281 |
| Salaries and employee benefits | $3,620,000 | 1,380 |
| Premises and equipment expense | $338,000 | 3,346 |
| Additional noninterest expense | $3,853,000 | 942 |
| Pre-tax net operating income | $3,979,000 | 775 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,558,000 | 539 |
| Income before extraordinary items | $2,421,000 | 1,025 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,421,000 | 1,023 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,421,000 | 1,025 |
| Net charge-offs | $1,518,000 | 1,110 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,421,000 | 991 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,507,000 | 1,332 |
| Total interest expense | $1,746,000 | 976 |
| Net interest income | $3,761,000 | 1,485 |
| Provision for loan and lease losses | $163,000 | 2,672 |
| Total noninterest income | $3,377,000 | 499 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $95,000 | 3,089 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,282,000 | 356 |
| Total noninterest expense | $3,731,000 | 1,333 |
| Salaries and employee benefits | $1,789,000 | 1,414 |
| Premises and equipment expense | $160,000 | 3,534 |
| Additional noninterest expense | $1,782,000 | 997 |
| Pre-tax net operating income | $3,244,000 | 515 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,273,000 | 388 |
| Income before extraordinary items | $1,971,000 | 666 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,971,000 | 663 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,971,000 | 666 |
| Net charge-offs | $-335,000 | 7,538 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,971,000 | 651 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $23,136,000 | 1,331 |
| Total interest expense | $8,036,000 | 1,035 |
| Net interest income | $15,100,000 | 1,483 |
| Provision for loan and lease losses | $17,641,000 | 421 |
| Total noninterest income | $11,449,000 | 572 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $398,000 | 3,091 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $11,051,000 | 425 |
| Total noninterest expense | $19,304,000 | 1,028 |
| Salaries and employee benefits | $6,022,000 | 1,615 |
| Premises and equipment expense | $678,000 | 3,380 |
| Additional noninterest expense | $12,604,000 | 603 |
| Pre-tax net operating income | $-10,396,000 | 7,367 |
| Securities gains (losses) | $569,000 | 797 |
| Applicable income taxes | $-1,404,000 | 7,387 |
| Income before extraordinary items | $-8,423,000 | 7,338 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,423,000 | 7,338 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-8,423,000 | 7,338 |
| Net charge-offs | $15,251,000 | 432 |
| Cash dividends | $113,000 | 3,646 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 1,017 |
| Net operating income | $-8,912,340 | 7,334 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $17,625,000 | 1,328 |
| Total interest expense | $6,089,000 | 1,060 |
| Net interest income | $11,536,000 | 1,473 |
| Provision for loan and lease losses | $11,291,000 | 457 |
| Total noninterest income | $9,074,000 | 549 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $289,000 | 3,215 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $8,785,000 | 399 |
| Total noninterest expense | $9,490,000 | 1,558 |
| Salaries and employee benefits | $4,314,000 | 1,700 |
| Premises and equipment expense | $514,000 | 3,408 |
| Additional noninterest expense | $4,662,000 | 1,164 |
| Pre-tax net operating income | $-171,000 | 6,257 |
| Securities gains (losses) | $569,000 | 654 |
| Applicable income taxes | $279,000 | 2,214 |
| Income before extraordinary items | $119,000 | 5,652 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $119,000 | 5,653 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $119,000 | 5,653 |
| Net charge-offs | $9,652,000 | 473 |
| Cash dividends | $113,000 | 3,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-245,160 | 6,400 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $12,032,000 | 1,314 |
| Total interest expense | $4,128,000 | 1,084 |
| Net interest income | $7,904,000 | 1,440 |
| Provision for loan and lease losses | $7,444,000 | 457 |
| Total noninterest income | $7,130,000 | 480 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $178,000 | 3,381 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $6,952,000 | 341 |
| Total noninterest expense | $5,971,000 | 1,650 |
| Salaries and employee benefits | $2,776,000 | 1,768 |
| Premises and equipment expense | $354,000 | 3,337 |
| Additional noninterest expense | $2,841,000 | 1,257 |
| Pre-tax net operating income | $1,619,000 | 1,602 |
| Securities gains (losses) | $569,000 | 426 |
| Applicable income taxes | $996,000 | 720 |
| Income before extraordinary items | $1,192,000 | 1,820 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,192,000 | 1,819 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,192,000 | 1,820 |
| Net charge-offs | $5,674,000 | 527 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $827,840 | 2,350 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,969,000 | 1,356 |
| Total interest expense | $2,099,000 | 1,121 |
| Net interest income | $3,870,000 | 1,483 |
| Provision for loan and lease losses | $2,054,000 | 739 |
| Total noninterest income | $1,762,000 | 790 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $82,000 | 3,542 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,680,000 | 547 |
| Total noninterest expense | $2,801,000 | 1,776 |
| Salaries and employee benefits | $1,429,000 | 1,750 |
| Premises and equipment expense | $174,000 | 3,469 |
| Additional noninterest expense | $1,198,000 | 1,479 |
| Pre-tax net operating income | $777,000 | 1,666 |
| Securities gains (losses) | $569,000 | 224 |
| Applicable income taxes | $660,000 | 547 |
| Income before extraordinary items | $686,000 | 1,591 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $686,000 | 1,593 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $686,000 | 1,593 |
| Net charge-offs | $580,000 | 1,468 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $321,840 | 2,897 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,138,000 | 1,360 |
| Total interest expense | $9,164,000 | 1,299 |
| Net interest income | $15,974,000 | 1,386 |
| Provision for loan and lease losses | $12,369,000 | 724 |
| Total noninterest income | $11,615,000 | 582 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $328,000 | 3,711 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $11,287,000 | 412 |
| Total noninterest expense | $11,046,000 | 1,845 |
| Salaries and employee benefits | $6,767,000 | 1,483 |
| Premises and equipment expense | $875,000 | 2,892 |
| Additional noninterest expense | $3,404,000 | 2,102 |
| Pre-tax net operating income | $4,174,000 | 995 |
| Securities gains (losses) | $704,000 | 677 |
| Applicable income taxes | $1,884,000 | 593 |
| Income before extraordinary items | $2,994,000 | 1,136 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,994,000 | 1,134 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,994,000 | 1,135 |
| Net charge-offs | $8,587,000 | 770 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $295,000 | 638 |
| Net operating income | $2,543,440 | 1,296 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $18,904,000 | 1,381 |
| Total interest expense | $6,880,000 | 1,368 |
| Net interest income | $12,024,000 | 1,382 |
| Provision for loan and lease losses | $8,319,000 | 724 |
| Total noninterest income | $7,772,000 | 634 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $246,000 | 3,729 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $7,526,000 | 446 |
| Total noninterest expense | $8,015,000 | 1,885 |
| Salaries and employee benefits | $4,887,000 | 1,542 |
| Premises and equipment expense | $669,000 | 2,880 |
| Additional noninterest expense | $2,459,000 | 2,142 |
| Pre-tax net operating income | $3,462,000 | 956 |
| Securities gains (losses) | $428,000 | 784 |
| Applicable income taxes | $1,518,000 | 584 |
| Income before extraordinary items | $2,372,000 | 1,141 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,372,000 | 1,139 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,372,000 | 1,141 |
| Net charge-offs | $5,613,000 | 751 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,098,080 | 1,246 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,288,000 | 1,454 |
| Total interest expense | $4,793,000 | 1,383 |
| Net interest income | $7,495,000 | 1,494 |
| Provision for loan and lease losses | $4,892,000 | 747 |
| Total noninterest income | $4,286,000 | 734 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $166,000 | 3,694 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $4,120,000 | 510 |
| Total noninterest expense | $5,052,000 | 2,014 |
| Salaries and employee benefits | $3,250,000 | 1,575 |
| Premises and equipment expense | $434,000 | 2,983 |
| Additional noninterest expense | $1,368,000 | 2,538 |
| Pre-tax net operating income | $1,837,000 | 1,246 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $712,000 | 821 |
| Income before extraordinary items | $1,125,000 | 1,656 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,125,000 | 1,653 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,125,000 | 1,655 |
| Net charge-offs | $3,685,000 | 724 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,125,000 | 1,621 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,055,000 | 1,494 |
| Total interest expense | $2,501,000 | 1,379 |
| Net interest income | $3,554,000 | 1,569 |
| Provision for loan and lease losses | $1,765,000 | 817 |
| Total noninterest income | $832,000 | 1,509 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $79,000 | 3,735 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $753,000 | 1,061 |
| Total noninterest expense | $2,315,000 | 2,139 |
| Salaries and employee benefits | $1,614,000 | 1,608 |
| Premises and equipment expense | $220,000 | 3,005 |
| Additional noninterest expense | $481,000 | 3,106 |
| Pre-tax net operating income | $306,000 | 3,306 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $115,000 | 2,038 |
| 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 | $796,000 | 1,078 |
| 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 | $23,405,000 | 1,657 |
| Total interest expense | $11,417,000 | 1,435 |
| Net interest income | $11,988,000 | 1,860 |
| Provision for loan and lease losses | $3,420,000 | 1,285 |
| Total noninterest income | $4,717,000 | 1,115 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $325,000 | 3,870 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,392,000 | 727 |
| Total noninterest expense | $9,416,000 | 2,045 |
| Salaries and employee benefits | $6,881,000 | 1,503 |
| Premises and equipment expense | $755,000 | 3,330 |
| Additional noninterest expense | $1,780,000 | 3,164 |
| Pre-tax net operating income | $3,869,000 | 1,408 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,510,000 | 863 |
| Income before extraordinary items | $2,359,000 | 1,700 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,359,000 | 1,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,386,000 | 1,633 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $417,000 | 588 |
| Net operating income | $2,359,000 | 1,812 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,478,000 | 1,695 |
| Total interest expense | $8,524,000 | 1,491 |
| Net interest income | $8,954,000 | 1,892 |
| Provision for loan and lease losses | $2,670,000 | 977 |
| Total noninterest income | $4,287,000 | 987 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $247,000 | 3,874 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,040,000 | 648 |
| Total noninterest expense | $7,181,000 | 1,998 |
| Salaries and employee benefits | $5,375,000 | 1,465 |
| Premises and equipment expense | $541,000 | 3,456 |
| Additional noninterest expense | $1,265,000 | 3,235 |
| Pre-tax net operating income | $3,390,000 | 1,443 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,325,000 | 932 |
| Income before extraordinary items | $2,065,000 | 1,729 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,065,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,065,000 | 1,254 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 631 |
| Net operating income | $2,065,000 | 1,826 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,438,000 | 1,753 |
| Total interest expense | $5,578,000 | 1,569 |
| Net interest income | $5,860,000 | 1,920 |
| Provision for loan and lease losses | $1,415,000 | 990 |
| Total noninterest income | $2,590,000 | 1,084 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $163,000 | 3,892 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,427,000 | 737 |
| Total noninterest expense | $4,701,000 | 2,038 |
| Salaries and employee benefits | $3,545,000 | 1,488 |
| Premises and equipment expense | $351,000 | 3,541 |
| Additional noninterest expense | $805,000 | 3,342 |
| Pre-tax net operating income | $2,334,000 | 1,468 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $913,000 | 1,009 |
| Income before extraordinary items | $1,421,000 | 1,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,421,000 | 1,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 1,924 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $2,166,000 | 146 |
| Net operating income | $1,421,000 | 1,855 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,647,000 | 1,816 |
| Total interest expense | $2,945,000 | 1,593 |
| Net interest income | $2,702,000 | 2,063 |
| Provision for loan and lease losses | $705,000 | 792 |
| Total noninterest income | $1,210,000 | 1,141 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $79,000 | 3,905 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,131,000 | 782 |
| Total noninterest expense | $2,322,000 | 2,064 |
| Salaries and employee benefits | $1,803,000 | 1,474 |
| Premises and equipment expense | $162,000 | 3,751 |
| Additional noninterest expense | $357,000 | 3,620 |
| Pre-tax net operating income | $885,000 | 1,991 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $329,000 | 1,383 |
| Income before extraordinary items | $556,000 | 2,464 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $556,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,254 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 239 |
| Net operating income | $556,000 | 2,389 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,292,000 | 2,499 |
| Total interest expense | $8,244,000 | 2,261 |
| Net interest income | $8,048,000 | 2,708 |
| Provision for loan and lease losses | $1,800,000 | 917 |
| Total noninterest income | $3,563,000 | 1,429 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $168,000 | 5,227 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,395,000 | 921 |
| Total noninterest expense | $7,536,000 | 2,421 |
| Salaries and employee benefits | $5,999,000 | 1,671 |
| Premises and equipment expense | $499,000 | 4,366 |
| Additional noninterest expense | $1,038,000 | 4,539 |
| Pre-tax net operating income | $2,275,000 | 3,037 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $742,000 | 2,233 |
| Income before extraordinary items | $1,533,000 | 3,393 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,533,000 | 3,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,544 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $3,037,000 | 317 |
| Net operating income | $1,533,000 | 3,377 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,007,000 | 2,735 |
| Total interest expense | $5,480,000 | 2,520 |
| Net interest income | $5,527,000 | 2,961 |
| Provision for loan and lease losses | $1,250,000 | 739 |
| Total noninterest income | $1,540,000 | 2,179 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $118,000 | 5,364 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,422,000 | 1,428 |
| Total noninterest expense | $5,283,000 | 2,563 |
| Salaries and employee benefits | $4,174,000 | 1,814 |
| Premises and equipment expense | $360,000 | 4,465 |
| Additional noninterest expense | $749,000 | 4,597 |
| Pre-tax net operating income | $534,000 | 5,658 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $82,000 | 4,599 |
| Income before extraordinary items | $452,000 | 5,572 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $452,000 | 5,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,682 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $-120,000 | 8,495 |
| Net operating income | $452,000 | 5,559 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,062,000 | 2,853 |
| Total interest expense | $3,208,000 | 2,825 |
| Net interest income | $3,854,000 | 2,851 |
| Provision for loan and lease losses | $575,000 | 920 |
| Total noninterest income | $505,000 | 3,534 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $73,000 | 5,514 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $432,000 | 2,471 |
| Total noninterest expense | $3,592,000 | 2,542 |
| Salaries and employee benefits | $2,673,000 | 1,914 |
| Premises and equipment expense | $201,000 | 5,023 |
| Additional noninterest expense | $718,000 | 3,492 |
| Pre-tax net operating income | $192,000 | 6,685 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-21,000 | 8,208 |
| Income before extraordinary items | $213,000 | 6,282 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $213,000 | 6,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,811 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $-120,000 | 8,565 |
| Net operating income | $213,000 | 6,275 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,784,000 | 3,481 |
| Total interest expense | $1,256,000 | 3,423 |
| Net interest income | $1,528,000 | 3,498 |
| Provision for loan and lease losses | $100,000 | 2,001 |
| Total noninterest income | $280,000 | 3,270 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $34,000 | 5,592 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $246,000 | 2,237 |
| Total noninterest expense | $1,711,000 | 2,661 |
| Salaries and employee benefits | $1,263,000 | 2,037 |
| Premises and equipment expense | $103,000 | 4,951 |
| Additional noninterest expense | $345,000 | 3,571 |
| Pre-tax net operating income | $-3,000 | 7,871 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-58,000 | 8,440 |
| Income before extraordinary items | $55,000 | 7,082 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $55,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 653 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $55,000 | 7,065 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,258,000 | 7,337 |
| Total interest expense | $921,000 | 7,089 |
| Net interest income | $1,337,000 | 7,394 |
| Provision for loan and lease losses | $500,000 | 1,903 |
| Total noninterest income | $431,000 | 5,445 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $34,000 | 7,114 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $397,000 | 3,747 |
| Total noninterest expense | $2,114,000 | 6,001 |
| Salaries and employee benefits | $1,551,000 | 5,078 |
| Premises and equipment expense | $84,000 | 7,984 |
| Additional noninterest expense | $479,000 | 6,633 |
| Pre-tax net operating income | $-846,000 | 8,379 |
| Securities gains (losses) | $19,000 | 922 |
| Applicable income taxes | $-444,000 | 8,559 |
| Income before extraordinary items | $-383,000 | 8,243 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-383,000 | 8,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,178 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-395,160 | 8,243 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $230,000 | 8,672 |
| Total interest expense | $115,000 | 8,528 |
| Net interest income | $115,000 | 8,697 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $16,000 | 8,493 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $6,000 | 7,517 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,238 |
| Total noninterest expense | $245,000 | 8,649 |
| Salaries and employee benefits | $166,000 | 8,567 |
| Premises and equipment expense | $21,000 | 8,591 |
| Additional noninterest expense | $58,000 | 8,663 |
| Pre-tax net operating income | $-114,000 | 8,234 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-56,000 | 8,518 |
| Income before extraordinary items | $-58,000 | 8,204 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-58,000 | 8,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,190 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-58,000 | 8,194 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,068,000 | 4,878 |
| Total interest expense | $1,477,000 | 4,157 |
| Net interest income | $1,591,000 | 5,415 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $149,000 | 6,249 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $58,000 | 6,028 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 5,325 |
| Total noninterest expense | $1,344,000 | 5,249 |
| Salaries and employee benefits | $893,000 | 4,641 |
| Premises and equipment expense | $123,000 | 6,290 |
| Additional noninterest expense | $328,000 | 5,807 |
| Pre-tax net operating income | $271,000 | 6,635 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $71,000 | 4,907 |
| Income before extraordinary items | $200,000 | 6,754 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $200,000 | 6,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,207 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 734 |
| Net operating income | $200,000 | 6,763 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,572,000 | 4,756 |
| Total interest expense | $740,000 | 4,039 |
| Net interest income | $832,000 | 5,282 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $70,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,444 |
| Total noninterest expense | $663,000 | 5,301 |
| Salaries and employee benefits | $441,000 | 4,709 |
| Premises and equipment expense | $66,000 | 6,124 |
| Additional noninterest expense | $156,000 | 5,942 |
| Pre-tax net operating income | $164,000 | 6,242 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $47,000 | 4,563 |
| Income before extraordinary items | $117,000 | 6,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $117,000 | 6,455 |
| 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 | $14,000 | 530 |
| Net operating income | $117,000 | 6,450 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,379,000 | 4,439 |
| Total interest expense | $2,548,000 | 3,768 |
| Net interest income | $3,831,000 | 4,753 |
| Provision for loan and lease losses | $305,000 | 2,776 |
| Total noninterest income | $399,000 | 5,722 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $146,000 | 5,664 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $253,000 | 4,704 |
| Total noninterest expense | $2,814,000 | 5,001 |
| Salaries and employee benefits | $1,834,000 | 4,406 |
| Premises and equipment expense | $293,000 | 5,796 |
| Additional noninterest expense | $687,000 | 5,636 |
| Pre-tax net operating income | $1,111,000 | 5,074 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $369,000 | 3,827 |
| Income before extraordinary items | $742,000 | 5,534 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $742,000 | 5,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 1,679 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $742,000 | 5,499 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,705,000 | 4,445 |
| Total interest expense | $1,834,000 | 3,736 |
| Net interest income | $2,871,000 | 4,775 |
| Provision for loan and lease losses | $230,000 | 2,673 |
| Total noninterest income | $313,000 | 5,679 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $112,000 | 5,656 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $201,000 | 4,596 |
| Total noninterest expense | $2,125,000 | 4,933 |
| Salaries and employee benefits | $1,380,000 | 4,365 |
| Premises and equipment expense | $229,000 | 5,686 |
| Additional noninterest expense | $516,000 | 5,614 |
| Pre-tax net operating income | $829,000 | 5,250 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $276,000 | 3,931 |
| Income before extraordinary items | $553,000 | 5,666 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $553,000 | 5,669 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 1,224 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $553,000 | 5,618 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 4,482 |
| Total interest expense | $1,147,000 | 3,749 |
| Net interest income | $1,888,000 | 4,782 |
| Provision for loan and lease losses | $155,000 | 2,569 |
| Total noninterest income | $232,000 | 5,412 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $78,000 | 5,536 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $154,000 | 4,261 |
| Total noninterest expense | $1,417,000 | 4,928 |
| Salaries and employee benefits | $932,000 | 4,297 |
| Premises and equipment expense | $152,000 | 5,667 |
| Additional noninterest expense | $333,000 | 5,686 |
| Pre-tax net operating income | $548,000 | 5,240 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $183,000 | 3,945 |
| Income before extraordinary items | $365,000 | 5,678 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $365,000 | 5,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 783 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $365,000 | 5,640 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,458,000 | 4,574 |
| Total interest expense | $537,000 | 3,828 |
| Net interest income | $921,000 | 4,885 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $97,000 | 5,759 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $37,000 | 5,594 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,776 |
| Total noninterest expense | $712,000 | 4,936 |
| Salaries and employee benefits | $463,000 | 4,335 |
| Premises and equipment expense | $76,000 | 5,710 |
| Additional noninterest expense | $173,000 | 5,535 |
| Pre-tax net operating income | $246,000 | 5,482 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $82,000 | 4,078 |
| Income before extraordinary items | $164,000 | 5,905 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $164,000 | 5,906 |
| 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 | $164,000 | 5,867 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,492,000 | 5,180 |
| Total interest expense | $1,265,000 | 4,963 |
| Net interest income | $3,227,000 | 5,181 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $579,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $204,000 | 5,173 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $375,000 | 3,827 |
| Total noninterest expense | $3,046,000 | 4,609 |
| Salaries and employee benefits | $1,922,000 | 4,124 |
| Premises and equipment expense | $270,000 | 5,990 |
| Additional noninterest expense | $854,000 | 4,875 |
| Pre-tax net operating income | $710,000 | 6,071 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $255,000 | 4,440 |
| Income before extraordinary items | $455,000 | 6,525 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $455,000 | 6,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,270 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $455,000 | 6,465 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,278,000 | 5,255 |
| Total interest expense | $908,000 | 5,063 |
| Net interest income | $2,370,000 | 5,240 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $454,000 | 4,805 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $152,000 | 5,231 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $302,000 | 3,720 |
| Total noninterest expense | $2,330,000 | 4,526 |
| Salaries and employee benefits | $1,448,000 | 4,072 |
| Premises and equipment expense | $200,000 | 5,981 |
| Additional noninterest expense | $682,000 | 4,624 |
| Pre-tax net operating income | $494,000 | 6,356 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $174,000 | 4,650 |
| Income before extraordinary items | $320,000 | 6,785 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $320,000 | 6,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $320,000 | 6,709 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,141,000 | 5,331 |
| Total interest expense | $600,000 | 5,104 |
| Net interest income | $1,541,000 | 5,311 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $341,000 | 4,483 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $99,000 | 5,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $242,000 | 3,379 |
| Total noninterest expense | $1,586,000 | 4,479 |
| Salaries and employee benefits | $859,000 | 4,475 |
| Premises and equipment expense | $131,000 | 6,070 |
| Additional noninterest expense | $596,000 | 3,765 |
| Pre-tax net operating income | $296,000 | 6,533 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $92,000 | 4,946 |
| Income before extraordinary items | $204,000 | 6,865 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $204,000 | 6,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $204,000 | 6,782 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,100,000 | 5,266 |
| Total interest expense | $300,000 | 5,164 |
| Net interest income | $800,000 | 5,217 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $141,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $49,000 | 5,252 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $92,000 | 3,884 |
| Total noninterest expense | $787,000 | 4,525 |
| Salaries and employee benefits | $429,000 | 4,485 |
| Premises and equipment expense | $59,000 | 6,355 |
| Additional noninterest expense | $299,000 | 3,759 |
| Pre-tax net operating income | $154,000 | 6,389 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $48,000 | 4,889 |
| Income before extraordinary items | $106,000 | 6,771 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $106,000 | 6,773 |
| 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 | $106,000 | 6,655 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,896,000 | 4,965 |
| Total interest expense | $1,384,000 | 5,130 |
| Net interest income | $3,512,000 | 4,785 |
| Provision for loan and lease losses | $393,000 | 2,628 |
| Total noninterest income | $881,000 | 4,000 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $173,000 | 5,573 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $708,000 | 2,953 |
| Total noninterest expense | $2,850,000 | 4,772 |
| Salaries and employee benefits | $1,516,000 | 4,811 |
| Premises and equipment expense | $243,000 | 6,261 |
| Additional noninterest expense | $1,091,000 | 3,999 |
| Pre-tax net operating income | $1,150,000 | 4,787 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $404,000 | 3,759 |
| Income before extraordinary items | $746,000 | 5,414 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $746,000 | 5,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $399,000 | 1,879 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $746,000 | 5,266 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,733,000 | 4,976 |
| Total interest expense | $1,063,000 | 5,200 |
| Net interest income | $2,670,000 | 4,750 |
| Provision for loan and lease losses | $348,000 | 2,271 |
| Total noninterest income | $762,000 | 3,751 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $126,000 | 5,684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $636,000 | 2,730 |
| Total noninterest expense | $2,118,000 | 4,794 |
| Salaries and employee benefits | $1,102,000 | 4,900 |
| Premises and equipment expense | $181,000 | 6,279 |
| Additional noninterest expense | $835,000 | 3,949 |
| Pre-tax net operating income | $966,000 | 4,646 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $344,000 | 3,673 |
| Income before extraordinary items | $622,000 | 5,305 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $622,000 | 5,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,407 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $622,000 | 5,122 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,524,000 | 4,957 |
| Total interest expense | $730,000 | 5,212 |
| Net interest income | $1,794,000 | 4,721 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $472,000 | 3,868 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $80,000 | 5,768 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $392,000 | 2,832 |
| Total noninterest expense | $1,503,000 | 4,584 |
| Salaries and employee benefits | $794,000 | 4,637 |
| Premises and equipment expense | $128,000 | 6,096 |
| Additional noninterest expense | $581,000 | 3,793 |
| Pre-tax net operating income | $688,000 | 4,474 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $247,000 | 3,573 |
| Income before extraordinary items | $441,000 | 5,143 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $441,000 | 5,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $441,000 | 4,938 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,248,000 | 5,019 |
| Total interest expense | $379,000 | 5,190 |
| Net interest income | $869,000 | 4,807 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $217,000 | 3,964 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $181,000 | 2,891 |
| Total noninterest expense | $738,000 | 4,631 |
| Salaries and employee benefits | $388,000 | 4,714 |
| Premises and equipment expense | $60,000 | 6,275 |
| Additional noninterest expense | $290,000 | 3,754 |
| Pre-tax net operating income | $318,000 | 4,639 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $113,000 | 3,736 |
| Income before extraordinary items | $205,000 | 5,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $205,000 | 5,270 |
| 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 | $205,000 | 5,079 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,536,000 | 5,500 |
| Total interest expense | $1,603,000 | 5,520 |
| Net interest income | $2,933,000 | 5,358 |
| Provision for loan and lease losses | $260,000 | 3,766 |
| Total noninterest income | $634,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $149,000 | 5,848 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $485,000 | 3,339 |
| Total noninterest expense | $2,517,000 | 5,061 |
| Salaries and employee benefits | $1,465,000 | 4,777 |
| Premises and equipment expense | $282,000 | 5,756 |
| Additional noninterest expense | $770,000 | 5,066 |
| Pre-tax net operating income | $790,000 | 5,805 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $264,000 | 4,665 |
| Income before extraordinary items | $526,000 | 6,281 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $526,000 | 6,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,776 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $526,000 | 6,131 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,888,000 | 5,700 |
| Total interest expense | $2,581,000 | 5,300 |
| Net interest income | $2,307,000 | 5,989 |
| Provision for loan and lease losses | $133,000 | 5,016 |
| Total noninterest income | $504,000 | 5,052 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $104,000 | 6,509 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $400,000 | 3,532 |
| Total noninterest expense | $2,329,000 | 5,198 |
| Salaries and employee benefits | $1,297,000 | 5,039 |
| Premises and equipment expense | $332,000 | 5,204 |
| Additional noninterest expense | $700,000 | 5,307 |
| Pre-tax net operating income | $349,000 | 7,190 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $95,000 | 6,066 |
| Income before extraordinary items | $254,000 | 7,413 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $254,000 | 7,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 2,323 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $254,000 | 7,301 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,211,000 | 5,595 |
| Total interest expense | $2,816,000 | 5,160 |
| Net interest income | $2,395,000 | 5,970 |
| Provision for loan and lease losses | $43,000 | 6,774 |
| Total noninterest income | $371,000 | 5,748 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 6,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $282,000 | 4,056 |
| Total noninterest expense | $2,488,000 | 4,871 |
| Salaries and employee benefits | $1,200,000 | 5,230 |
| Premises and equipment expense | $469,000 | 3,990 |
| Additional noninterest expense | $819,000 | 4,656 |
| Pre-tax net operating income | $235,000 | 8,213 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $58,000 | 7,112 |
| Income before extraordinary items | $177,000 | 8,224 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $177,000 | 8,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $177,000 | 8,229 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,778,000 | 5,728 |
| Total interest expense | $2,419,000 | 5,306 |
| Net interest income | $2,359,000 | 6,014 |
| Provision for loan and lease losses | $282,000 | 2,811 |
| Total noninterest income | $340,000 | 6,090 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,370 |
| Total noninterest expense | $2,212,000 | 5,306 |
| Salaries and employee benefits | $1,092,000 | 5,534 |
| Premises and equipment expense | $430,000 | 4,285 |
| Additional noninterest expense | $690,000 | 5,286 |
| Pre-tax net operating income | $205,000 | 8,561 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-375,000 | 10,112 |
| Income before extraordinary items | $580,000 | 5,991 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $580,000 | 5,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,463 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $580,000 | 5,963 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,829,000 | 5,816 |
| Total interest expense | $2,883,000 | 4,872 |
| Net interest income | $1,946,000 | 6,770 |
| Provision for loan and lease losses | $65,000 | 5,993 |
| Total noninterest income | $504,000 | 4,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $32,000 | 8,466 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $472,000 | 3,088 |
| Total noninterest expense | $2,203,000 | 5,215 |
| Salaries and employee benefits | $1,127,000 | 5,313 |
| Premises and equipment expense | $391,000 | 4,506 |
| Additional noninterest expense | $685,000 | 5,248 |
| Pre-tax net operating income | $182,000 | 9,000 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-200,000 | 10,316 |
| Income before extraordinary items | $382,000 | 7,329 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $382,000 | 7,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,233 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $382,000 | 7,248 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,561,000 | 7,098 |
| Total interest expense | $2,126,000 | 6,032 |
| Net interest income | $1,435,000 | 8,139 |
| Provision for loan and lease losses | $290,000 | 2,696 |
| Total noninterest income | $297,000 | 6,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,059 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $274,000 | 4,129 |
| Total noninterest expense | $1,900,000 | 5,851 |
| Salaries and employee benefits | $1,012,000 | 5,807 |
| Premises and equipment expense | $356,000 | 4,828 |
| Additional noninterest expense | $532,000 | 6,261 |
| Pre-tax net operating income | $-458,000 | 10,728 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-458,000 | 10,742 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-458,000 | 10,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-458,000 | 10,724 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,490,000 | 10,128 |
| Total interest expense | $1,026,000 | 8,927 |
| Net interest income | $464,000 | 10,960 |
| Provision for loan and lease losses | $326,000 | 2,422 |
| Total noninterest income | $86,000 | 10,166 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 9,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,815 |
| Total noninterest expense | $1,514,000 | 7,074 |
| Salaries and employee benefits | $715,000 | 7,424 |
| Premises and equipment expense | $291,000 | 5,710 |
| Additional noninterest expense | $508,000 | 6,991 |
| Pre-tax net operating income | $-1,290,000 | 11,371 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-1,290,000 | 11,387 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-1,290,000 | 11,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-1,290,000 | 11,373 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $23,000 | 11,961 |
| Total interest expense | $4,000 | 11,943 |
| Net interest income | $19,000 | 11,958 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $0 | 11,937 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 10,339 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 11,920 |
| Total noninterest expense | $580,000 | 10,662 |
| Salaries and employee benefits | $250,000 | 11,149 |
| Premises and equipment expense | $248,000 | 6,385 |
| Additional noninterest expense | $82,000 | 11,751 |
| Pre-tax net operating income | $-570,000 | 11,812 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-570,000 | 11,812 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-570,000 | 11,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-570,000 | 11,802 |
* 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.