Home > River Valley Financial Bank > Income and Expense
River Valley Financial Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $13,283,000 | 1,522 |
| Total interest expense | $3,604,000 | 978 |
| Net interest income | $9,679,000 | 1,730 |
| Provision for loan and lease losses | $1,064,000 | 1,377 |
| Total noninterest income | $2,108,000 | 1,718 |
| Gross Fiduciary activities income | $110,000 | 830 |
| Service charges on deposit accounts | $853,000 | 1,257 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,145,000 | 1,823 |
| Total noninterest expense | $8,064,000 | 1,786 |
| Salaries and employee benefits | $4,487,000 | 1,677 |
| Premises and equipment expense | $1,132,000 | 1,578 |
| Additional noninterest expense | $2,445,000 | 2,013 |
| Pre-tax net operating income | $2,659,000 | 1,860 |
| Securities gains (losses) | $450,000 | 814 |
| Applicable income taxes | $764,000 | 1,488 |
| Income before extraordinary items | $2,345,000 | 1,836 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,345,000 | 1,835 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,345,000 | 1,837 |
| Net charge-offs | $1,426,000 | 1,156 |
| Cash dividends | $1,500,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $23,000 | 746 |
| Net operating income | $2,007,500 | 1,977 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $8,789,000 | 1,556 |
| Total interest expense | $2,441,000 | 1,006 |
| Net interest income | $6,348,000 | 1,755 |
| Provision for loan and lease losses | $796,000 | 1,304 |
| Total noninterest income | $1,355,000 | 1,754 |
| Gross Fiduciary activities income | $79,000 | 827 |
| Service charges on deposit accounts | $548,000 | 1,292 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $728,000 | 1,869 |
| Total noninterest expense | $5,370,000 | 1,795 |
| Salaries and employee benefits | $3,021,000 | 1,658 |
| Premises and equipment expense | $747,000 | 1,598 |
| Additional noninterest expense | $1,602,000 | 2,035 |
| Pre-tax net operating income | $1,537,000 | 2,100 |
| Securities gains (losses) | $331,000 | 791 |
| Applicable income taxes | $419,000 | 1,675 |
| Income before extraordinary items | $1,449,000 | 1,943 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,449,000 | 1,941 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,449,000 | 1,943 |
| Net charge-offs | $1,277,000 | 958 |
| Cash dividends | $1,000,000 | 957 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,190,820 | 2,153 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,458,000 | 1,548 |
| Total interest expense | $1,244,000 | 1,025 |
| Net interest income | $3,214,000 | 1,734 |
| Provision for loan and lease losses | $474,000 | 1,108 |
| Total noninterest income | $644,000 | 1,818 |
| Gross Fiduciary activities income | $31,000 | 867 |
| Service charges on deposit accounts | $266,000 | 1,329 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $347,000 | 1,934 |
| Total noninterest expense | $2,662,000 | 1,809 |
| Salaries and employee benefits | $1,512,000 | 1,667 |
| Premises and equipment expense | $374,000 | 1,593 |
| Additional noninterest expense | $776,000 | 2,086 |
| Pre-tax net operating income | $722,000 | 2,219 |
| Securities gains (losses) | $134,000 | 783 |
| Applicable income taxes | $179,000 | 1,859 |
| Income before extraordinary items | $677,000 | 2,060 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $677,000 | 2,061 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $677,000 | 2,062 |
| Net charge-offs | $1,299,000 | 566 |
| Cash dividends | $500,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $571,140 | 2,237 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $17,971,000 | 1,580 |
| Total interest expense | $5,728,000 | 1,052 |
| Net interest income | $12,243,000 | 1,819 |
| Provision for loan and lease losses | $2,717,000 | 1,280 |
| Total noninterest income | $2,546,000 | 1,694 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 4,944 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,400,000 | 1,207 |
| Total noninterest expense | $9,994,000 | 1,917 |
| Salaries and employee benefits | $5,683,000 | 1,705 |
| Premises and equipment expense | $1,535,000 | 1,614 |
| Additional noninterest expense | $2,776,000 | 2,360 |
| Pre-tax net operating income | $2,078,000 | 2,435 |
| Securities gains (losses) | $312,000 | 1,109 |
| Applicable income taxes | $328,000 | 2,447 |
| Income before extraordinary items | $2,062,000 | 2,204 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,062,000 | 2,205 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,062,000 | 2,205 |
| Net charge-offs | $2,796,000 | 1,256 |
| Cash dividends | $2,000,000 | 950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,793,680 | 2,380 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $13,561,000 | 1,585 |
| Total interest expense | $4,334,000 | 1,087 |
| Net interest income | $9,227,000 | 1,819 |
| Provision for loan and lease losses | $2,261,000 | 1,138 |
| Total noninterest income | $1,649,000 | 1,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $111,000 | 4,948 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,538,000 | 1,317 |
| Total noninterest expense | $7,248,000 | 1,981 |
| Salaries and employee benefits | $4,200,000 | 1,730 |
| Premises and equipment expense | $1,151,000 | 1,631 |
| Additional noninterest expense | $1,897,000 | 2,580 |
| Pre-tax net operating income | $1,367,000 | 2,752 |
| Securities gains (losses) | $270,000 | 981 |
| Applicable income taxes | $189,000 | 2,704 |
| Income before extraordinary items | $1,448,000 | 2,392 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,448,000 | 2,393 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,448,000 | 2,393 |
| Net charge-offs | $2,243,000 | 1,135 |
| Cash dividends | $1,500,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,210,400 | 2,616 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,033,000 | 1,606 |
| Total interest expense | $2,892,000 | 1,125 |
| Net interest income | $6,141,000 | 1,817 |
| Provision for loan and lease losses | $830,000 | 1,679 |
| Total noninterest income | $1,392,000 | 1,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 4,883 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,316,000 | 1,112 |
| Total noninterest expense | $4,753,000 | 2,037 |
| Salaries and employee benefits | $2,774,000 | 1,768 |
| Premises and equipment expense | $762,000 | 1,661 |
| Additional noninterest expense | $1,217,000 | 2,712 |
| Pre-tax net operating income | $1,950,000 | 1,489 |
| Securities gains (losses) | $165,000 | 834 |
| Applicable income taxes | $520,000 | 1,283 |
| Income before extraordinary items | $1,595,000 | 1,540 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,595,000 | 1,540 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,595,000 | 1,540 |
| Net charge-offs | $946,000 | 1,518 |
| Cash dividends | $1,000,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,471,250 | 1,579 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,610,000 | 1,589 |
| Total interest expense | $1,449,000 | 1,160 |
| Net interest income | $3,161,000 | 1,770 |
| Provision for loan and lease losses | $454,000 | 1,507 |
| Total noninterest income | $749,000 | 1,486 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 4,752 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $709,000 | 1,052 |
| Total noninterest expense | $2,378,000 | 2,036 |
| Salaries and employee benefits | $1,367,000 | 1,810 |
| Premises and equipment expense | $385,000 | 1,672 |
| Additional noninterest expense | $626,000 | 2,633 |
| Pre-tax net operating income | $1,078,000 | 1,345 |
| Securities gains (losses) | $126,000 | 466 |
| Applicable income taxes | $316,000 | 1,078 |
| Income before extraordinary items | $888,000 | 1,361 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $888,000 | 1,361 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $888,000 | 1,361 |
| Net charge-offs | $386,000 | 1,551 |
| Cash dividends | $500,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $794,760 | 1,447 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,696,000 | 1,630 |
| Total interest expense | $7,061,000 | 1,161 |
| Net interest income | $11,635,000 | 1,884 |
| Provision for loan and lease losses | $2,627,000 | 1,765 |
| Total noninterest income | $2,927,000 | 1,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,927,000 | 1,084 |
| Total noninterest expense | $9,298,000 | 2,074 |
| Salaries and employee benefits | $5,227,000 | 1,862 |
| Premises and equipment expense | $1,473,000 | 1,738 |
| Additional noninterest expense | $2,598,000 | 2,590 |
| Pre-tax net operating income | $2,637,000 | 1,815 |
| Securities gains (losses) | $724,000 | 647 |
| Applicable income taxes | $769,000 | 1,466 |
| Income before extraordinary items | $2,592,000 | 1,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,592,000 | 1,591 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,592,000 | 1,593 |
| Net charge-offs | $2,664,000 | 1,572 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,034,520 | 1,916 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,211,000 | 1,646 |
| Total interest expense | $5,521,000 | 1,164 |
| Net interest income | $8,690,000 | 1,918 |
| Provision for loan and lease losses | $1,915,000 | 1,707 |
| Total noninterest income | $1,946,000 | 1,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,946,000 | 1,116 |
| Total noninterest expense | $6,897,000 | 2,102 |
| Salaries and employee benefits | $3,861,000 | 1,885 |
| Premises and equipment expense | $1,104,000 | 1,760 |
| Additional noninterest expense | $1,932,000 | 2,556 |
| Pre-tax net operating income | $1,824,000 | 2,039 |
| Securities gains (losses) | $682,000 | 571 |
| Applicable income taxes | $568,000 | 1,536 |
| Income before extraordinary items | $1,938,000 | 1,700 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,938,000 | 1,704 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,938,000 | 1,704 |
| Net charge-offs | $1,818,000 | 1,598 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,412,860 | 2,157 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,515,000 | 1,664 |
| Total interest expense | $3,794,000 | 1,179 |
| Net interest income | $5,721,000 | 1,952 |
| Provision for loan and lease losses | $525,000 | 2,779 |
| Total noninterest income | $1,258,000 | 1,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,258,000 | 1,111 |
| Total noninterest expense | $4,606,000 | 2,106 |
| Salaries and employee benefits | $2,579,000 | 1,898 |
| Premises and equipment expense | $720,000 | 1,818 |
| Additional noninterest expense | $1,307,000 | 2,527 |
| Pre-tax net operating income | $1,848,000 | 1,409 |
| Securities gains (losses) | $284,000 | 745 |
| Applicable income taxes | $553,000 | 1,122 |
| Income before extraordinary items | $1,579,000 | 1,394 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,579,000 | 1,394 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,579,000 | 1,395 |
| Net charge-offs | $750,000 | 2,010 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,368,840 | 1,527 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 1,715 |
| Total interest expense | $1,929,000 | 1,213 |
| Net interest income | $2,779,000 | 2,014 |
| Provision for loan and lease losses | $165,000 | 3,229 |
| Total noninterest income | $610,000 | 1,763 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $610,000 | 1,113 |
| Total noninterest expense | $2,277,000 | 2,139 |
| Salaries and employee benefits | $1,272,000 | 1,942 |
| Premises and equipment expense | $369,000 | 1,831 |
| Additional noninterest expense | $636,000 | 2,573 |
| Pre-tax net operating income | $947,000 | 1,378 |
| Securities gains (losses) | $105,000 | 766 |
| Applicable income taxes | $269,000 | 1,137 |
| Income before extraordinary items | $783,000 | 1,404 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $783,000 | 1,405 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $783,000 | 1,406 |
| Net charge-offs | $152,000 | 2,709 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $705,300 | 1,489 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,185,000 | 1,783 |
| Total interest expense | $9,002,000 | 1,326 |
| Net interest income | $10,183,000 | 2,150 |
| Provision for loan and lease losses | $2,883,000 | 2,033 |
| Total noninterest income | $2,562,000 | 1,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,562,000 | 1,155 |
| Total noninterest expense | $8,502,000 | 2,323 |
| Salaries and employee benefits | $4,898,000 | 2,012 |
| Premises and equipment expense | $1,316,000 | 2,028 |
| Additional noninterest expense | $2,288,000 | 2,970 |
| Pre-tax net operating income | $1,360,000 | 2,498 |
| Securities gains (losses) | $1,131,000 | 441 |
| Applicable income taxes | $447,000 | 1,655 |
| Income before extraordinary items | $2,044,000 | 1,633 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,044,000 | 1,631 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,044,000 | 1,632 |
| Net charge-offs | $1,772,000 | 2,182 |
| Cash dividends | $400,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,116,580 | 2,544 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $14,317,000 | 1,816 |
| Total interest expense | $6,799,000 | 1,392 |
| Net interest income | $7,518,000 | 2,185 |
| Provision for loan and lease losses | $2,573,000 | 1,630 |
| Total noninterest income | $1,921,000 | 1,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,921,000 | 1,181 |
| Total noninterest expense | $6,495,000 | 2,287 |
| Salaries and employee benefits | $3,622,000 | 2,046 |
| Premises and equipment expense | $978,000 | 2,064 |
| Additional noninterest expense | $1,895,000 | 2,685 |
| Pre-tax net operating income | $371,000 | 4,282 |
| Securities gains (losses) | $984,000 | 394 |
| Applicable income taxes | $143,000 | 2,606 |
| Income before extraordinary items | $1,212,000 | 2,160 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,212,000 | 2,157 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,212,000 | 2,160 |
| Net charge-offs | $2,303,000 | 1,390 |
| Cash dividends | $400,000 | 2,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $336,240 | 4,206 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,508,000 | 1,858 |
| Total interest expense | $4,560,000 | 1,461 |
| Net interest income | $4,948,000 | 2,220 |
| Provision for loan and lease losses | $2,438,000 | 1,242 |
| Total noninterest income | $1,254,000 | 1,858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,254,000 | 1,230 |
| Total noninterest expense | $4,364,000 | 2,301 |
| Salaries and employee benefits | $2,443,000 | 2,058 |
| Premises and equipment expense | $657,000 | 2,084 |
| Additional noninterest expense | $1,264,000 | 2,706 |
| Pre-tax net operating income | $-600,000 | 6,724 |
| Securities gains (losses) | $823,000 | 346 |
| Applicable income taxes | $-162,000 | 7,261 |
| Income before extraordinary items | $385,000 | 3,540 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $385,000 | 3,538 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $385,000 | 3,539 |
| Net charge-offs | $2,277,000 | 1,042 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-438,000 | 6,670 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,826,000 | 1,848 |
| Total interest expense | $2,302,000 | 1,498 |
| Net interest income | $2,524,000 | 2,165 |
| Provision for loan and lease losses | $385,000 | 2,028 |
| Total noninterest income | $581,000 | 1,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $581,000 | 1,263 |
| Total noninterest expense | $2,228,000 | 2,201 |
| Salaries and employee benefits | $1,219,000 | 2,095 |
| Premises and equipment expense | $339,000 | 2,058 |
| Additional noninterest expense | $670,000 | 2,320 |
| Pre-tax net operating income | $492,000 | 2,410 |
| Securities gains (losses) | $353,000 | 445 |
| Applicable income taxes | $196,000 | 1,483 |
| Income before extraordinary items | $649,000 | 1,665 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $649,000 | 1,666 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $649,000 | 1,667 |
| Net charge-offs | $148,000 | 2,437 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $377,190 | 2,543 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $20,534,000 | 1,866 |
| Total interest expense | $10,432,000 | 1,552 |
| Net interest income | $10,102,000 | 2,201 |
| Provision for loan and lease losses | $1,080,000 | 2,587 |
| Total noninterest income | $2,538,000 | 1,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,538,000 | 1,106 |
| Total noninterest expense | $7,975,000 | 2,383 |
| Salaries and employee benefits | $5,055,000 | 1,993 |
| Premises and equipment expense | $1,329,000 | 2,040 |
| Additional noninterest expense | $1,591,000 | 3,471 |
| Pre-tax net operating income | $3,585,000 | 1,524 |
| Securities gains (losses) | $217,000 | 682 |
| Applicable income taxes | $951,000 | 1,253 |
| Income before extraordinary items | $2,851,000 | 1,435 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,851,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,291,000 | 1,700 |
| Cash dividends | $2,200,000 | 1,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,688,250 | 1,618 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,429,000 | 1,900 |
| Total interest expense | $7,950,000 | 1,586 |
| Net interest income | $7,479,000 | 2,237 |
| Provision for loan and lease losses | $645,000 | 2,370 |
| Total noninterest income | $1,926,000 | 1,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,926,000 | 1,136 |
| Total noninterest expense | $6,021,000 | 2,361 |
| Salaries and employee benefits | $3,750,000 | 2,053 |
| Premises and equipment expense | $1,037,000 | 1,969 |
| Additional noninterest expense | $1,234,000 | 3,309 |
| Pre-tax net operating income | $2,739,000 | 1,777 |
| Securities gains (losses) | $203,000 | 612 |
| Applicable income taxes | $821,000 | 1,347 |
| Income before extraordinary items | $2,121,000 | 1,684 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,121,000 | 1,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $957,000 | 1,344 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,974,840 | 1,893 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,215,000 | 1,933 |
| Total interest expense | $5,366,000 | 1,634 |
| Net interest income | $4,849,000 | 2,275 |
| Provision for loan and lease losses | $400,000 | 2,155 |
| Total noninterest income | $1,226,000 | 1,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,226,000 | 1,225 |
| Total noninterest expense | $3,923,000 | 2,412 |
| Salaries and employee benefits | $2,414,000 | 2,146 |
| Premises and equipment expense | $691,000 | 1,966 |
| Additional noninterest expense | $818,000 | 3,298 |
| Pre-tax net operating income | $1,752,000 | 1,907 |
| Securities gains (losses) | $183,000 | 659 |
| Applicable income taxes | $539,000 | 1,514 |
| Income before extraordinary items | $1,396,000 | 1,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,396,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $905,000 | 921 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,264,240 | 2,044 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,200,000 | 1,952 |
| Total interest expense | $2,811,000 | 1,674 |
| Net interest income | $2,389,000 | 2,302 |
| Provision for loan and lease losses | $200,000 | 1,810 |
| Total noninterest income | $598,000 | 1,962 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $598,000 | 1,235 |
| Total noninterest expense | $1,914,000 | 2,465 |
| Salaries and employee benefits | $1,149,000 | 2,290 |
| Premises and equipment expense | $360,000 | 1,889 |
| Additional noninterest expense | $405,000 | 3,277 |
| Pre-tax net operating income | $873,000 | 2,013 |
| Securities gains (losses) | $126,000 | 618 |
| Applicable income taxes | $285,000 | 1,527 |
| Income before extraordinary items | $714,000 | 1,999 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $714,000 | 2,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $355,000 | 881 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $624,540 | 2,164 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,735,000 | 2,029 |
| Total interest expense | $11,876,000 | 1,694 |
| Net interest income | $8,859,000 | 2,489 |
| Provision for loan and lease losses | $562,000 | 2,158 |
| Total noninterest income | $2,504,000 | 1,890 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,504,000 | 1,154 |
| Total noninterest expense | $7,289,000 | 2,493 |
| Salaries and employee benefits | $4,404,000 | 2,287 |
| Premises and equipment expense | $1,291,000 | 2,023 |
| Additional noninterest expense | $1,594,000 | 3,253 |
| Pre-tax net operating income | $3,512,000 | 2,191 |
| Securities gains (losses) | $86,000 | 647 |
| Applicable income taxes | $1,010,000 | 1,849 |
| Income before extraordinary items | $2,588,000 | 2,284 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,588,000 | 2,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $460,000 | 1,789 |
| Cash dividends | $2,000,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,526,080 | 2,324 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,370,000 | 2,052 |
| Total interest expense | $8,824,000 | 1,698 |
| Net interest income | $6,546,000 | 2,539 |
| Provision for loan and lease losses | $292,000 | 2,356 |
| Total noninterest income | $1,848,000 | 1,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,848,000 | 1,187 |
| Total noninterest expense | $5,481,000 | 2,472 |
| Salaries and employee benefits | $3,340,000 | 2,255 |
| Premises and equipment expense | $958,000 | 2,026 |
| Additional noninterest expense | $1,183,000 | 3,227 |
| Pre-tax net operating income | $2,621,000 | 2,347 |
| Securities gains (losses) | $67,000 | 577 |
| Applicable income taxes | $772,000 | 1,945 |
| Income before extraordinary items | $1,916,000 | 2,464 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,916,000 | 2,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,163 |
| Cash dividends | $1,500,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,868,430 | 2,497 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,072,000 | 2,093 |
| Total interest expense | $5,786,000 | 1,734 |
| Net interest income | $4,286,000 | 2,609 |
| Provision for loan and lease losses | $96,000 | 3,356 |
| Total noninterest income | $1,204,000 | 1,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,204,000 | 1,221 |
| Total noninterest expense | $3,594,000 | 2,541 |
| Salaries and employee benefits | $2,185,000 | 2,331 |
| Premises and equipment expense | $641,000 | 2,024 |
| Additional noninterest expense | $768,000 | 3,302 |
| Pre-tax net operating income | $1,800,000 | 2,341 |
| Securities gains (losses) | $26,000 | 656 |
| Applicable income taxes | $531,000 | 1,980 |
| Income before extraordinary items | $1,295,000 | 2,491 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,295,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 902 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,276,540 | 2,494 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,996,000 | 2,111 |
| Total interest expense | $2,893,000 | 1,719 |
| Net interest income | $2,103,000 | 2,642 |
| Provision for loan and lease losses | $48,000 | 3,154 |
| Total noninterest income | $577,000 | 2,010 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $577,000 | 1,231 |
| Total noninterest expense | $1,745,000 | 2,613 |
| Salaries and employee benefits | $1,068,000 | 2,399 |
| Premises and equipment expense | $310,000 | 2,104 |
| Additional noninterest expense | $367,000 | 3,397 |
| Pre-tax net operating income | $887,000 | 2,371 |
| Securities gains (losses) | $6,000 | 777 |
| Applicable income taxes | $264,000 | 2,020 |
| Income before extraordinary items | $629,000 | 2,533 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $629,000 | 2,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,338 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $624,800 | 2,527 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,043,000 | 2,077 |
| Total interest expense | $10,596,000 | 1,598 |
| Net interest income | $8,447,000 | 2,656 |
| Provision for loan and lease losses | $264,000 | 3,004 |
| Total noninterest income | $2,099,000 | 2,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,099,000 | 1,308 |
| Total noninterest expense | $6,825,000 | 2,573 |
| Salaries and employee benefits | $4,167,000 | 2,360 |
| Premises and equipment expense | $1,238,000 | 2,017 |
| Additional noninterest expense | $1,420,000 | 3,442 |
| Pre-tax net operating income | $3,457,000 | 2,509 |
| Securities gains (losses) | $57,000 | 659 |
| Applicable income taxes | $1,123,000 | 2,041 |
| Income before extraordinary items | $2,391,000 | 2,705 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,391,000 | 2,707 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,228 |
| Cash dividends | $2,000,000 | 1,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,352,240 | 2,737 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,007,000 | 2,099 |
| Total interest expense | $7,714,000 | 1,593 |
| Net interest income | $6,293,000 | 2,689 |
| Provision for loan and lease losses | $216,000 | 2,745 |
| Total noninterest income | $1,515,000 | 2,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,515,000 | 1,357 |
| Total noninterest expense | $5,112,000 | 2,576 |
| Salaries and employee benefits | $3,130,000 | 2,351 |
| Premises and equipment expense | $938,000 | 2,015 |
| Additional noninterest expense | $1,044,000 | 3,487 |
| Pre-tax net operating income | $2,480,000 | 2,671 |
| Securities gains (losses) | $66,000 | 500 |
| Applicable income taxes | $816,000 | 2,173 |
| Income before extraordinary items | $1,730,000 | 2,882 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,730,000 | 2,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,175 |
| Cash dividends | $1,500,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,685,120 | 2,930 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,263,000 | 2,080 |
| Total interest expense | $4,994,000 | 1,553 |
| Net interest income | $4,269,000 | 2,658 |
| Provision for loan and lease losses | $168,000 | 2,424 |
| Total noninterest income | $969,000 | 2,272 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $969,000 | 1,379 |
| Total noninterest expense | $3,396,000 | 2,593 |
| Salaries and employee benefits | $2,084,000 | 2,361 |
| Premises and equipment expense | $629,000 | 2,003 |
| Additional noninterest expense | $683,000 | 3,552 |
| Pre-tax net operating income | $1,674,000 | 2,653 |
| Securities gains (losses) | $59,000 | 426 |
| Applicable income taxes | $568,000 | 2,129 |
| Income before extraordinary items | $1,165,000 | 2,862 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,165,000 | 2,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,045 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,125,470 | 2,917 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,475,000 | 2,105 |
| Total interest expense | $2,384,000 | 1,539 |
| Net interest income | $2,091,000 | 2,686 |
| Provision for loan and lease losses | $84,000 | 2,291 |
| Total noninterest income | $456,000 | 2,332 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $456,000 | 1,436 |
| Total noninterest expense | $1,689,000 | 2,609 |
| Salaries and employee benefits | $1,033,000 | 2,382 |
| Premises and equipment expense | $314,000 | 2,011 |
| Additional noninterest expense | $342,000 | 3,506 |
| Pre-tax net operating income | $774,000 | 2,775 |
| Securities gains (losses) | $27,000 | 427 |
| Applicable income taxes | $265,000 | 2,175 |
| Income before extraordinary items | $536,000 | 3,000 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $536,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,335 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $517,910 | 3,060 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,389,000 | 2,034 |
| Total interest expense | $7,735,000 | 1,466 |
| Net interest income | $8,654,000 | 2,520 |
| Provision for loan and lease losses | $288,000 | 2,931 |
| Total noninterest income | $2,046,000 | 2,171 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,046,000 | 1,346 |
| Total noninterest expense | $6,823,000 | 2,440 |
| Salaries and employee benefits | $4,040,000 | 2,272 |
| Premises and equipment expense | $1,163,000 | 2,056 |
| Additional noninterest expense | $1,620,000 | 3,048 |
| Pre-tax net operating income | $3,589,000 | 2,417 |
| Securities gains (losses) | $280,000 | 424 |
| Applicable income taxes | $1,445,000 | 1,749 |
| Income before extraordinary items | $2,424,000 | 2,659 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,424,000 | 2,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,665 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $226,000 | 633 |
| Net operating income | $2,244,800 | 2,763 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,970,000 | 2,036 |
| Total interest expense | $5,495,000 | 1,454 |
| Net interest income | $6,475,000 | 2,503 |
| Provision for loan and lease losses | $216,000 | 2,832 |
| Total noninterest income | $1,567,000 | 2,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,567,000 | 1,317 |
| Total noninterest expense | $4,968,000 | 2,493 |
| Salaries and employee benefits | $2,912,000 | 2,328 |
| Premises and equipment expense | $865,000 | 2,059 |
| Additional noninterest expense | $1,191,000 | 3,061 |
| Pre-tax net operating income | $2,858,000 | 2,323 |
| Securities gains (losses) | $235,000 | 438 |
| Applicable income taxes | $1,120,000 | 1,738 |
| Income before extraordinary items | $1,973,000 | 2,510 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,973,000 | 2,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $358,000 | 1,105 |
| Cash dividends | $1,500,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $160,000 | 516 |
| Net operating income | $1,822,600 | 2,628 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,826,000 | 2,016 |
| Total interest expense | $3,509,000 | 1,431 |
| Net interest income | $4,317,000 | 2,480 |
| Provision for loan and lease losses | $144,000 | 2,762 |
| Total noninterest income | $1,038,000 | 2,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,038,000 | 1,310 |
| Total noninterest expense | $3,297,000 | 2,474 |
| Salaries and employee benefits | $1,929,000 | 2,330 |
| Premises and equipment expense | $571,000 | 2,067 |
| Additional noninterest expense | $797,000 | 3,026 |
| Pre-tax net operating income | $1,914,000 | 2,261 |
| Securities gains (losses) | $173,000 | 433 |
| Applicable income taxes | $768,000 | 1,673 |
| Income before extraordinary items | $1,319,000 | 2,459 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,319,000 | 2,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 878 |
| Cash dividends | $1,000,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 421 |
| Net operating income | $1,208,280 | 2,594 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,804,000 | 2,037 |
| Total interest expense | $1,686,000 | 1,419 |
| Net interest income | $2,118,000 | 2,525 |
| Provision for loan and lease losses | $72,000 | 2,641 |
| Total noninterest income | $545,000 | 2,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $545,000 | 1,248 |
| Total noninterest expense | $1,629,000 | 2,515 |
| Salaries and employee benefits | $973,000 | 2,341 |
| Premises and equipment expense | $286,000 | 2,083 |
| Additional noninterest expense | $370,000 | 3,221 |
| Pre-tax net operating income | $962,000 | 2,231 |
| Securities gains (losses) | $67,000 | 473 |
| Applicable income taxes | $433,000 | 1,519 |
| Income before extraordinary items | $596,000 | 2,634 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $596,000 | 2,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 595 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 309 |
| Net operating income | $553,120 | 2,746 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,644,000 | 2,092 |
| Total interest expense | $5,155,000 | 1,599 |
| Net interest income | $8,489,000 | 2,405 |
| Provision for loan and lease losses | $338,000 | 2,685 |
| Total noninterest income | $1,978,000 | 2,214 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,978,000 | 1,332 |
| Total noninterest expense | $6,135,000 | 2,577 |
| Salaries and employee benefits | $3,651,000 | 2,378 |
| Premises and equipment expense | $1,018,000 | 2,248 |
| Additional noninterest expense | $1,466,000 | 3,185 |
| Pre-tax net operating income | $3,994,000 | 2,067 |
| Securities gains (losses) | $349,000 | 573 |
| Applicable income taxes | $1,648,000 | 1,502 |
| Income before extraordinary items | $2,695,000 | 2,271 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,695,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $286,000 | 2,065 |
| Cash dividends | $500,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $230,000 | 560 |
| Net operating income | $2,471,640 | 2,390 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,930,000 | 2,144 |
| Total interest expense | $3,654,000 | 1,653 |
| Net interest income | $6,276,000 | 2,411 |
| Provision for loan and lease losses | $266,000 | 2,481 |
| Total noninterest income | $1,487,000 | 2,225 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,487,000 | 1,341 |
| Total noninterest expense | $4,461,000 | 2,636 |
| Salaries and employee benefits | $2,549,000 | 2,535 |
| Premises and equipment expense | $761,000 | 2,261 |
| Additional noninterest expense | $1,151,000 | 3,057 |
| Pre-tax net operating income | $3,036,000 | 2,053 |
| Securities gains (losses) | $324,000 | 567 |
| Applicable income taxes | $1,318,000 | 1,438 |
| Income before extraordinary items | $2,042,000 | 2,278 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,042,000 | 2,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,051 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 499 |
| Net operating income | $1,834,640 | 2,453 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,466,000 | 2,169 |
| Total interest expense | $2,360,000 | 1,691 |
| Net interest income | $4,106,000 | 2,437 |
| Provision for loan and lease losses | $194,000 | 2,269 |
| Total noninterest income | $908,000 | 2,352 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $908,000 | 1,425 |
| Total noninterest expense | $2,945,000 | 2,659 |
| Salaries and employee benefits | $1,694,000 | 2,540 |
| Premises and equipment expense | $498,000 | 2,299 |
| Additional noninterest expense | $753,000 | 3,110 |
| Pre-tax net operating income | $1,875,000 | 2,157 |
| Securities gains (losses) | $271,000 | 526 |
| Applicable income taxes | $822,000 | 1,503 |
| Income before extraordinary items | $1,324,000 | 2,315 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,324,000 | 2,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,991 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 408 |
| Net operating income | $1,150,560 | 2,551 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,235,000 | 2,161 |
| Total interest expense | $1,166,000 | 1,728 |
| Net interest income | $2,069,000 | 2,411 |
| Provision for loan and lease losses | $102,000 | 2,093 |
| Total noninterest income | $436,000 | 2,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $436,000 | 1,429 |
| Total noninterest expense | $1,402,000 | 2,805 |
| Salaries and employee benefits | $817,000 | 2,632 |
| Premises and equipment expense | $250,000 | 2,311 |
| Additional noninterest expense | $335,000 | 3,417 |
| Pre-tax net operating income | $1,001,000 | 2,003 |
| Securities gains (losses) | $111,000 | 744 |
| Applicable income taxes | $426,000 | 1,479 |
| Income before extraordinary items | $686,000 | 2,216 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $686,000 | 2,217 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $614,960 | 2,360 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,665,000 | 2,274 |
| Total interest expense | $5,008,000 | 1,786 |
| Net interest income | $7,657,000 | 2,518 |
| Provision for loan and lease losses | $508,000 | 2,139 |
| Total noninterest income | $1,460,000 | 2,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,460,000 | 1,860 |
| Total noninterest expense | $5,414,000 | 2,854 |
| Salaries and employee benefits | $3,214,000 | 2,616 |
| Premises and equipment expense | $930,000 | 2,417 |
| Additional noninterest expense | $1,270,000 | 3,567 |
| Pre-tax net operating income | $3,195,000 | 2,385 |
| Securities gains (losses) | $1,639,000 | 342 |
| Applicable income taxes | $1,869,000 | 1,348 |
| Income before extraordinary items | $2,965,000 | 2,065 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,965,000 | 2,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $522,000 | 1,562 |
| Cash dividends | $632,000 | 3,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,916,040 | 2,835 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,444,000 | 2,321 |
| Total interest expense | $3,792,000 | 1,845 |
| Net interest income | $5,652,000 | 2,576 |
| Provision for loan and lease losses | $360,000 | 2,185 |
| Total noninterest income | $859,000 | 3,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $859,000 | 2,265 |
| Total noninterest expense | $3,907,000 | 2,951 |
| Salaries and employee benefits | $2,244,000 | 2,775 |
| Premises and equipment expense | $693,000 | 2,433 |
| Additional noninterest expense | $970,000 | 3,478 |
| Pre-tax net operating income | $2,244,000 | 2,607 |
| Securities gains (losses) | $1,450,000 | 347 |
| Applicable income taxes | $1,440,000 | 1,398 |
| Income before extraordinary items | $2,254,000 | 2,093 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,254,000 | 2,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,530 |
| Cash dividends | $632,000 | 2,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,326,000 | 3,090 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,121,000 | 2,396 |
| Total interest expense | $2,579,000 | 1,872 |
| Net interest income | $3,542,000 | 2,740 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $532,000 | 3,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $532,000 | 2,363 |
| Total noninterest expense | $2,531,000 | 3,015 |
| Salaries and employee benefits | $1,462,000 | 2,845 |
| Premises and equipment expense | $434,000 | 2,564 |
| Additional noninterest expense | $635,000 | 3,538 |
| Pre-tax net operating income | $1,363,000 | 2,806 |
| Securities gains (losses) | $978,000 | 370 |
| Applicable income taxes | $915,000 | 1,467 |
| Income before extraordinary items | $1,426,000 | 2,204 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,426,000 | 2,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 1,344 |
| Cash dividends | $632,000 | 1,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $800,080 | 3,312 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,076,000 | 2,398 |
| Total interest expense | $1,321,000 | 1,862 |
| Net interest income | $1,755,000 | 2,764 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $142,000 | 5,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $142,000 | 3,320 |
| Total noninterest expense | $1,247,000 | 3,040 |
| Salaries and employee benefits | $722,000 | 2,876 |
| Premises and equipment expense | $202,000 | 2,737 |
| Additional noninterest expense | $323,000 | 3,421 |
| Pre-tax net operating income | $560,000 | 3,240 |
| Securities gains (losses) | $492,000 | 352 |
| Applicable income taxes | $434,000 | 1,531 |
| Income before extraordinary items | $618,000 | 2,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $618,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,329 |
| Cash dividends | $632,000 | 1,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $303,120 | 4,027 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,803,000 | 2,412 |
| Total interest expense | $5,616,000 | 2,008 |
| Net interest income | $7,187,000 | 2,657 |
| Provision for loan and lease losses | $570,000 | 2,158 |
| Total noninterest income | $1,456,000 | 2,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,456,000 | 1,683 |
| Total noninterest expense | $5,034,000 | 2,911 |
| Salaries and employee benefits | $2,922,000 | 2,691 |
| Premises and equipment expense | $858,000 | 2,519 |
| Additional noninterest expense | $1,254,000 | 3,486 |
| Pre-tax net operating income | $3,039,000 | 2,478 |
| Securities gains (losses) | $1,263,000 | 365 |
| Applicable income taxes | $1,676,000 | 1,499 |
| Income before extraordinary items | $2,626,000 | 2,263 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,626,000 | 2,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 2,275 |
| Cash dividends | $2,602,000 | 1,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,817,680 | 2,920 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,116,000 | 2,601 |
| Total interest expense | $6,661,000 | 2,406 |
| Net interest income | $6,455,000 | 2,751 |
| Provision for loan and lease losses | $412,000 | 2,561 |
| Total noninterest income | $1,105,000 | 3,109 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,105,000 | 1,902 |
| Total noninterest expense | $4,534,000 | 3,071 |
| Salaries and employee benefits | $2,555,000 | 2,895 |
| Premises and equipment expense | $558,000 | 3,573 |
| Additional noninterest expense | $1,421,000 | 3,013 |
| Pre-tax net operating income | $2,614,000 | 2,579 |
| Securities gains (losses) | $788,000 | 464 |
| Applicable income taxes | $1,328,000 | 1,667 |
| Income before extraordinary items | $2,074,000 | 2,442 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,074,000 | 2,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,336 |
| Cash dividends | $425,000 | 3,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,569,680 | 3,020 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,274,000 | 3,063 |
| Total interest expense | $5,619,000 | 2,955 |
| Net interest income | $5,655,000 | 3,113 |
| Provision for loan and lease losses | $264,000 | 3,126 |
| Total noninterest income | $1,218,000 | 2,727 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,218,000 | 1,637 |
| Total noninterest expense | $3,982,000 | 3,345 |
| Salaries and employee benefits | $2,294,000 | 3,064 |
| Premises and equipment expense | $572,000 | 3,398 |
| Additional noninterest expense | $1,116,000 | 3,656 |
| Pre-tax net operating income | $2,627,000 | 2,656 |
| Securities gains (losses) | $42,000 | 759 |
| Applicable income taxes | $988,000 | 2,145 |
| Income before extraordinary items | $1,681,000 | 2,963 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,681,000 | 2,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,779 |
| Cash dividends | $1,621,000 | 1,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,654,120 | 2,991 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,747,000 | 3,289 |
| Total interest expense | $4,565,000 | 3,182 |
| Net interest income | $5,182,000 | 3,344 |
| Provision for loan and lease losses | $256,000 | 3,005 |
| Total noninterest income | $1,249,000 | 2,628 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,249,000 | 1,586 |
| Total noninterest expense | $4,381,000 | 3,044 |
| Salaries and employee benefits | $2,438,000 | 2,876 |
| Premises and equipment expense | $585,000 | 3,343 |
| Additional noninterest expense | $1,358,000 | 3,110 |
| Pre-tax net operating income | $1,794,000 | 3,627 |
| Securities gains (losses) | $74,000 | 848 |
| Applicable income taxes | $771,000 | 2,716 |
| Income before extraordinary items | $1,097,000 | 4,161 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,097,000 | 4,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,925 |
| Cash dividends | $3,000,000 | 958 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,049,640 | 4,238 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,131,000 | 3,194 |
| Total interest expense | $4,913,000 | 3,052 |
| Net interest income | $5,218,000 | 3,259 |
| Provision for loan and lease losses | $275,000 | 2,807 |
| Total noninterest income | $1,313,000 | 2,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,313,000 | 1,526 |
| Total noninterest expense | $4,218,000 | 3,082 |
| Salaries and employee benefits | $2,255,000 | 2,987 |
| Premises and equipment expense | $473,000 | 3,856 |
| Additional noninterest expense | $1,490,000 | 2,800 |
| Pre-tax net operating income | $2,038,000 | 3,295 |
| Securities gains (losses) | $57,000 | 1,648 |
| Applicable income taxes | $856,000 | 2,582 |
| Income before extraordinary items | $1,239,000 | 3,831 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,239,000 | 3,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,563 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,202,520 | 3,838 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,602,000 | 4,722 |
| Total interest expense | $3,273,000 | 4,369 |
| Net interest income | $3,329,000 | 4,906 |
| Provision for loan and lease losses | $124,000 | 4,561 |
| Total noninterest income | $471,000 | 5,193 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $471,000 | 2,949 |
| Total noninterest expense | $2,385,000 | 4,974 |
| Salaries and employee benefits | $1,454,000 | 4,357 |
| Premises and equipment expense | $449,000 | 4,049 |
| Additional noninterest expense | $482,000 | 6,659 |
| Pre-tax net operating income | $1,291,000 | 4,992 |
| Securities gains (losses) | $30,000 | 1,635 |
| Applicable income taxes | $577,000 | 3,796 |
| Income before extraordinary items | $744,000 | 5,704 |
| Extraordinary gains, net | $202,000 | 11 |
| Net income | $946,000 | 4,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,774 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $724,800 | 5,747 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,732,000 | 5,353 |
| Total interest expense | $3,359,000 | 4,344 |
| Net interest income | $2,373,000 | 6,433 |
| Provision for loan and lease losses | $172,000 | 3,795 |
| Total noninterest income | $422,000 | 5,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $422,000 | 3,286 |
| Total noninterest expense | $2,730,000 | 4,664 |
| Salaries and employee benefits | $1,181,000 | 5,279 |
| Premises and equipment expense | $420,000 | 4,359 |
| Additional noninterest expense | $1,129,000 | 3,976 |
| Pre-tax net operating income | $-107,000 | 10,966 |
| Securities gains (losses) | $-9,000 | 10,223 |
| Applicable income taxes | $84,000 | 9,042 |
| Income before extraordinary items | $-200,000 | 11,109 |
| Extraordinary gains, net | $141,000 | 21 |
| Net income | $-59,000 | 10,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,072,000 | 143 |
| Net operating income | $-191,000 | 11,060 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,779,000 | 5,367 |
| Total interest expense | $3,598,000 | 4,053 |
| Net interest income | $2,181,000 | 6,910 |
| Provision for loan and lease losses | $11,000 | 8,279 |
| Total noninterest income | $308,000 | 6,990 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $308,000 | 3,935 |
| Total noninterest expense | $1,907,000 | 6,211 |
| Salaries and employee benefits | $961,000 | 6,241 |
| Premises and equipment expense | $389,000 | 4,649 |
| Additional noninterest expense | $557,000 | 6,796 |
| Pre-tax net operating income | $571,000 | 8,046 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $215,000 | 7,172 |
| Income before extraordinary items | $356,000 | 8,423 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $356,000 | 8,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $356,000 | 8,405 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,432,000 | 5,299 |
| Total interest expense | $2,858,000 | 4,138 |
| Net interest income | $2,574,000 | 6,318 |
| Provision for loan and lease losses | $49,000 | 6,214 |
| Total noninterest income | $279,000 | 7,533 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $279,000 | 4,304 |
| Total noninterest expense | $1,760,000 | 6,797 |
| Salaries and employee benefits | $851,000 | 6,919 |
| Premises and equipment expense | $468,000 | 4,029 |
| Additional noninterest expense | $441,000 | 8,408 |
| Pre-tax net operating income | $1,044,000 | 5,774 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $392,000 | 4,832 |
| Income before extraordinary items | $652,000 | 6,206 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $652,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $652,000 | 6,278 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,752,000 | 5,152 |
| Total interest expense | $3,051,000 | 4,060 |
| Net interest income | $2,701,000 | 6,164 |
| Provision for loan and lease losses | $93,000 | 5,955 |
| Total noninterest income | $296,000 | 7,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $296,000 | 4,506 |
| Total noninterest expense | $1,776,000 | 6,959 |
| Salaries and employee benefits | $887,000 | 6,793 |
| Premises and equipment expense | $559,000 | 3,532 |
| Additional noninterest expense | $330,000 | 10,071 |
| Pre-tax net operating income | $1,128,000 | 5,418 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $409,000 | 4,931 |
| Income before extraordinary items | $719,000 | 5,996 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $719,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 7,365 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $719,000 | 5,734 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,168,000 | 5,367 |
| Total interest expense | $3,654,000 | 4,397 |
| Net interest income | $2,514,000 | 6,561 |
| Provision for loan and lease losses | $179,000 | 5,591 |
| Total noninterest income | $238,000 | 8,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $238,000 | 5,127 |
| Total noninterest expense | $1,599,000 | 7,585 |
| Salaries and employee benefits | $797,000 | 7,274 |
| Premises and equipment expense | $504,000 | 3,947 |
| Additional noninterest expense | $298,000 | 10,855 |
| Pre-tax net operating income | $974,000 | 5,731 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $363,000 | 5,177 |
| Income before extraordinary items | $612,000 | 6,492 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $612,000 | 6,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $611,360 | 6,128 |
* 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.