Home > RiverWood Bank > Income and Expense
RiverWood Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,307,000 | 3,706 |
| Total interest expense | $1,207,000 | 3,184 |
| Net interest income | $5,100,000 | 3,773 |
| Provision for loan and lease losses | $350,000 | 3,164 |
| Total noninterest income | $1,721,000 | 2,409 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $214,000 | 4,134 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,507,000 | 1,842 |
| Total noninterest expense | $6,291,000 | 2,928 |
| Salaries and employee benefits | $2,998,000 | 3,127 |
| Premises and equipment expense | $912,000 | 2,460 |
| Additional noninterest expense | $2,381,000 | 2,669 |
| Pre-tax net operating income | $180,000 | 5,720 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $21,000 | 4,198 |
| Income before extraordinary items | $159,000 | 5,890 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $159,000 | 5,888 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $159,000 | 5,890 |
| Net charge-offs | $658,000 | 2,293 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $159,000 | 5,739 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,789,000 | 3,750 |
| Total interest expense | $955,000 | 3,181 |
| Net interest income | $3,834,000 | 3,821 |
| Provision for loan and lease losses | $150,000 | 3,869 |
| Total noninterest income | $1,100,000 | 2,654 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $158,000 | 4,216 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $942,000 | 2,067 |
| Total noninterest expense | $4,715,000 | 2,939 |
| Salaries and employee benefits | $2,265,000 | 3,128 |
| Premises and equipment expense | $685,000 | 2,477 |
| Additional noninterest expense | $1,765,000 | 2,714 |
| Pre-tax net operating income | $69,000 | 6,097 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-6,000 | 6,736 |
| Income before extraordinary items | $75,000 | 6,188 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $75,000 | 6,186 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $75,000 | 6,187 |
| Net charge-offs | $551,000 | 2,063 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $75,000 | 6,053 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,097,000 | 3,840 |
| Total interest expense | $663,000 | 3,172 |
| Net interest income | $2,434,000 | 3,957 |
| Provision for loan and lease losses | $150,000 | 3,329 |
| Total noninterest income | $701,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $102,000 | 4,265 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $599,000 | 2,110 |
| Total noninterest expense | $3,072,000 | 2,998 |
| Salaries and employee benefits | $1,471,000 | 3,199 |
| Premises and equipment expense | $452,000 | 2,512 |
| Additional noninterest expense | $1,149,000 | 2,793 |
| Pre-tax net operating income | $-87,000 | 6,510 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-53,000 | 6,949 |
| Income before extraordinary items | $-34,000 | 6,538 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-34,000 | 6,538 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-34,000 | 6,538 |
| Net charge-offs | $466,000 | 1,849 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-34,000 | 6,427 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,550,000 | 3,891 |
| Total interest expense | $349,000 | 3,157 |
| Net interest income | $1,201,000 | 4,005 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $431,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $50,000 | 4,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $381,000 | 1,812 |
| Total noninterest expense | $1,718,000 | 2,718 |
| Salaries and employee benefits | $732,000 | 3,234 |
| Premises and equipment expense | $233,000 | 2,455 |
| Additional noninterest expense | $753,000 | 2,144 |
| Pre-tax net operating income | $-86,000 | 6,702 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-43,000 | 7,102 |
| Income before extraordinary items | $-43,000 | 6,696 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-43,000 | 6,698 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-43,000 | 6,698 |
| Net charge-offs | $192,000 | 1,885 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-43,000 | 6,614 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,131,000 | 3,628 |
| Total interest expense | $1,717,000 | 3,106 |
| Net interest income | $5,414,000 | 3,715 |
| Provision for loan and lease losses | $925,000 | 2,529 |
| Total noninterest income | $1,027,000 | 3,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 4,308 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $819,000 | 2,411 |
| Total noninterest expense | $8,551,000 | 2,220 |
| Salaries and employee benefits | $3,090,000 | 3,043 |
| Premises and equipment expense | $1,392,000 | 1,780 |
| Additional noninterest expense | $4,069,000 | 1,680 |
| Pre-tax net operating income | $-3,035,000 | 6,918 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-570,000 | 7,085 |
| Income before extraordinary items | $-2,465,000 | 6,895 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,465,000 | 6,894 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,465,000 | 6,895 |
| Net charge-offs | $1,758,000 | 1,686 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,465,000 | 6,878 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,502,000 | 3,596 |
| Total interest expense | $1,335,000 | 3,133 |
| Net interest income | $4,167,000 | 3,680 |
| Provision for loan and lease losses | $925,000 | 2,055 |
| Total noninterest income | $718,000 | 3,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 4,337 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $563,000 | 2,513 |
| Total noninterest expense | $7,130,000 | 2,018 |
| Salaries and employee benefits | $2,350,000 | 3,018 |
| Premises and equipment expense | $1,055,000 | 1,780 |
| Additional noninterest expense | $3,725,000 | 1,391 |
| Pre-tax net operating income | $-3,170,000 | 7,122 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-621,000 | 7,252 |
| Income before extraordinary items | $-2,549,000 | 7,110 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,549,000 | 7,111 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-2,549,000 | 7,111 |
| Net charge-offs | $1,770,000 | 1,325 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,549,000 | 7,095 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,781,000 | 3,556 |
| Total interest expense | $914,000 | 3,171 |
| Net interest income | $2,867,000 | 3,613 |
| Provision for loan and lease losses | $450,000 | 2,433 |
| Total noninterest income | $556,000 | 2,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 4,407 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $457,000 | 2,234 |
| Total noninterest expense | $3,563,000 | 2,654 |
| Salaries and employee benefits | $1,597,000 | 2,975 |
| Premises and equipment expense | $710,000 | 1,779 |
| Additional noninterest expense | $1,256,000 | 2,636 |
| Pre-tax net operating income | $-590,000 | 6,826 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-256,000 | 7,248 |
| Income before extraordinary items | $-334,000 | 6,738 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-334,000 | 6,738 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-334,000 | 6,739 |
| Net charge-offs | $853,000 | 1,609 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-334,000 | 6,712 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,959,000 | 3,463 |
| Total interest expense | $480,000 | 3,151 |
| Net interest income | $1,479,000 | 3,506 |
| Provision for loan and lease losses | $225,000 | 2,264 |
| Total noninterest income | $278,000 | 2,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 4,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $233,000 | 2,256 |
| Total noninterest expense | $2,086,000 | 2,324 |
| Salaries and employee benefits | $822,000 | 2,929 |
| Premises and equipment expense | $376,000 | 1,713 |
| Additional noninterest expense | $888,000 | 1,903 |
| Pre-tax net operating income | $-554,000 | 7,110 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-234,000 | 7,393 |
| Income before extraordinary items | $-320,000 | 7,001 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-320,000 | 7,001 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-320,000 | 7,001 |
| Net charge-offs | $427,000 | 1,467 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-320,000 | 6,987 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,235,000 | 3,479 |
| Total interest expense | $2,491,000 | 3,001 |
| Net interest income | $5,744,000 | 3,586 |
| Provision for loan and lease losses | $3,656,000 | 1,416 |
| Total noninterest income | $899,000 | 3,417 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $899,000 | 2,321 |
| Total noninterest expense | $9,638,000 | 2,018 |
| Salaries and employee benefits | $3,264,000 | 2,897 |
| Premises and equipment expense | $1,421,000 | 1,806 |
| Additional noninterest expense | $4,953,000 | 1,461 |
| Pre-tax net operating income | $-6,651,000 | 7,212 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-1,421,000 | 7,393 |
| Income before extraordinary items | $-5,230,000 | 7,187 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,230,000 | 7,187 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-5,230,000 | 7,187 |
| Net charge-offs | $2,518,000 | 1,625 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-5,230,000 | 7,168 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,314,000 | 3,484 |
| Total interest expense | $1,921,000 | 3,052 |
| Net interest income | $4,393,000 | 3,574 |
| Provision for loan and lease losses | $3,431,000 | 1,160 |
| Total noninterest income | $568,000 | 3,798 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $568,000 | 2,560 |
| Total noninterest expense | $4,892,000 | 2,892 |
| Salaries and employee benefits | $2,462,000 | 2,893 |
| Premises and equipment expense | $1,069,000 | 1,814 |
| Additional noninterest expense | $1,361,000 | 3,489 |
| Pre-tax net operating income | $-3,362,000 | 7,248 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-1,192,000 | 7,530 |
| Income before extraordinary items | $-2,170,000 | 7,163 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-2,170,000 | 7,161 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-2,170,000 | 7,163 |
| Net charge-offs | $2,471,000 | 1,316 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,170,000 | 7,143 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,281,000 | 3,472 |
| Total interest expense | $1,311,000 | 3,096 |
| Net interest income | $2,970,000 | 3,541 |
| Provision for loan and lease losses | $3,281,000 | 892 |
| Total noninterest income | $504,000 | 3,212 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $504,000 | 2,080 |
| Total noninterest expense | $3,255,000 | 2,902 |
| Salaries and employee benefits | $1,635,000 | 2,917 |
| Premises and equipment expense | $718,000 | 1,821 |
| Additional noninterest expense | $902,000 | 3,477 |
| Pre-tax net operating income | $-3,062,000 | 7,402 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-1,034,000 | 7,621 |
| Income before extraordinary items | $-2,028,000 | 7,337 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,028,000 | 7,337 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,028,000 | 7,337 |
| Net charge-offs | $2,410,000 | 977 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,028,000 | 7,329 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 3,482 |
| Total interest expense | $664,000 | 3,178 |
| Net interest income | $1,520,000 | 3,518 |
| Provision for loan and lease losses | $2,096,000 | 730 |
| Total noninterest income | $202,000 | 3,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $202,000 | 2,381 |
| Total noninterest expense | $1,734,000 | 2,791 |
| Salaries and employee benefits | $807,000 | 2,992 |
| Premises and equipment expense | $361,000 | 1,871 |
| Additional noninterest expense | $566,000 | 2,854 |
| Pre-tax net operating income | $-2,108,000 | 7,610 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-661,000 | 7,744 |
| Income before extraordinary items | $-1,447,000 | 7,565 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,447,000 | 7,566 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,447,000 | 7,566 |
| Net charge-offs | $1,539,000 | 775 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,447,000 | 7,558 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,218,000 | 3,435 |
| Total interest expense | $2,930,000 | 3,467 |
| Net interest income | $6,288,000 | 3,320 |
| Provision for loan and lease losses | $2,200,000 | 2,361 |
| Total noninterest income | $1,106,000 | 3,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,106,000 | 2,029 |
| Total noninterest expense | $6,379,000 | 3,028 |
| Salaries and employee benefits | $3,317,000 | 2,927 |
| Premises and equipment expense | $1,396,000 | 1,924 |
| Additional noninterest expense | $1,666,000 | 3,796 |
| Pre-tax net operating income | $-1,185,000 | 6,322 |
| Securities gains (losses) | $367,000 | 1,072 |
| Applicable income taxes | $3,000 | 4,116 |
| Income before extraordinary items | $-821,000 | 6,272 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-821,000 | 6,271 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-821,000 | 6,271 |
| Net charge-offs | $1,837,000 | 2,138 |
| Cash dividends | $492,000 | 2,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,188,000 | 6,437 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,953,000 | 3,469 |
| Total interest expense | $2,220,000 | 3,581 |
| Net interest income | $4,733,000 | 3,321 |
| Provision for loan and lease losses | $1,050,000 | 2,710 |
| Total noninterest income | $847,000 | 3,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $847,000 | 2,054 |
| Total noninterest expense | $4,839,000 | 3,005 |
| Salaries and employee benefits | $2,504,000 | 2,943 |
| Premises and equipment expense | $1,041,000 | 1,955 |
| Additional noninterest expense | $1,294,000 | 3,671 |
| Pre-tax net operating income | $-309,000 | 6,145 |
| Securities gains (losses) | $367,000 | 859 |
| Applicable income taxes | $3,000 | 4,321 |
| Income before extraordinary items | $55,000 | 5,534 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $55,000 | 5,534 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $55,000 | 5,534 |
| Net charge-offs | $722,000 | 2,602 |
| Cash dividends | $492,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-293,650 | 6,222 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,558,000 | 3,559 |
| Total interest expense | $1,475,000 | 3,719 |
| Net interest income | $3,083,000 | 3,379 |
| Provision for loan and lease losses | $330,000 | 3,562 |
| Total noninterest income | $615,000 | 2,996 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $615,000 | 1,963 |
| Total noninterest expense | $3,198,000 | 3,053 |
| Salaries and employee benefits | $1,757,000 | 2,836 |
| Premises and equipment expense | $689,000 | 1,994 |
| Additional noninterest expense | $752,000 | 4,058 |
| Pre-tax net operating income | $170,000 | 4,826 |
| Securities gains (losses) | $257,000 | 861 |
| Applicable income taxes | $2,000 | 4,423 |
| Income before extraordinary items | $425,000 | 3,383 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $425,000 | 3,378 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $425,000 | 3,381 |
| Net charge-offs | $307,000 | 2,895 |
| Cash dividends | $287,000 | 2,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $168,000 | 4,649 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,313,000 | 3,554 |
| Total interest expense | $755,000 | 3,753 |
| Net interest income | $1,558,000 | 3,345 |
| Provision for loan and lease losses | $90,000 | 4,033 |
| Total noninterest income | $219,000 | 3,636 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $219,000 | 2,387 |
| Total noninterest expense | $1,586,000 | 2,991 |
| Salaries and employee benefits | $928,000 | 2,724 |
| Premises and equipment expense | $346,000 | 2,021 |
| Additional noninterest expense | $312,000 | 4,280 |
| Pre-tax net operating income | $101,000 | 5,029 |
| Securities gains (losses) | $257,000 | 569 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $357,000 | 2,777 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $357,000 | 2,776 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $357,000 | 2,778 |
| Net charge-offs | $227,000 | 2,041 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $100,000 | 4,800 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,369,000 | 3,435 |
| Total interest expense | $4,073,000 | 3,476 |
| Net interest income | $6,296,000 | 3,349 |
| Provision for loan and lease losses | $715,000 | 3,211 |
| Total noninterest income | $753,000 | 3,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $753,000 | 2,526 |
| Total noninterest expense | $5,673,000 | 3,238 |
| Salaries and employee benefits | $3,350,000 | 2,949 |
| Premises and equipment expense | $1,250,000 | 2,158 |
| Additional noninterest expense | $1,073,000 | 4,612 |
| Pre-tax net operating income | $661,000 | 4,485 |
| Securities gains (losses) | $367,000 | 474 |
| Applicable income taxes | $4,000 | 4,719 |
| Income before extraordinary items | $1,024,000 | 3,240 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,024,000 | 3,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $546,000 | 2,681 |
| Cash dividends | $382,000 | 3,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $657,000 | 4,186 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,870,000 | 3,464 |
| Total interest expense | $3,190,000 | 3,468 |
| Net interest income | $4,680,000 | 3,380 |
| Provision for loan and lease losses | $400,000 | 3,072 |
| Total noninterest income | $566,000 | 4,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $566,000 | 2,608 |
| Total noninterest expense | $4,125,000 | 3,307 |
| Salaries and employee benefits | $2,462,000 | 3,033 |
| Premises and equipment expense | $943,000 | 2,162 |
| Additional noninterest expense | $720,000 | 4,870 |
| Pre-tax net operating income | $721,000 | 4,283 |
| Securities gains (losses) | $284,000 | 484 |
| Applicable income taxes | $3,000 | 5,129 |
| Income before extraordinary items | $1,002,000 | 3,099 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,002,000 | 3,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,144 |
| Cash dividends | $382,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $718,000 | 3,911 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,307,000 | 3,484 |
| Total interest expense | $2,211,000 | 3,489 |
| Net interest income | $3,096,000 | 3,403 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $389,000 | 4,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $389,000 | 2,629 |
| Total noninterest expense | $2,684,000 | 3,376 |
| Salaries and employee benefits | $1,610,000 | 3,121 |
| Premises and equipment expense | $633,000 | 2,137 |
| Additional noninterest expense | $441,000 | 5,116 |
| Pre-tax net operating income | $681,000 | 3,745 |
| Securities gains (losses) | $181,000 | 667 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $860,000 | 2,904 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $860,000 | 2,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,222 |
| Cash dividends | $224,000 | 3,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $679,000 | 3,326 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,663,000 | 3,559 |
| Total interest expense | $1,172,000 | 3,510 |
| Net interest income | $1,491,000 | 3,497 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $180,000 | 4,202 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $180,000 | 2,725 |
| Total noninterest expense | $1,298,000 | 3,481 |
| Salaries and employee benefits | $771,000 | 3,260 |
| Premises and equipment expense | $324,000 | 2,093 |
| Additional noninterest expense | $203,000 | 5,333 |
| Pre-tax net operating income | $313,000 | 4,059 |
| Securities gains (losses) | $96,000 | 733 |
| Applicable income taxes | $1,000 | 5,476 |
| Income before extraordinary items | $408,000 | 3,150 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $408,000 | 3,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,589 |
| Cash dividends | $224,000 | 2,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $312,000 | 3,628 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $11,012,000 | 3,524 |
| Total interest expense | $5,243,000 | 3,351 |
| Net interest income | $5,769,000 | 3,610 |
| Provision for loan and lease losses | $240,000 | 3,573 |
| Total noninterest income | $743,000 | 4,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $743,000 | 2,664 |
| Total noninterest expense | $5,036,000 | 3,423 |
| Salaries and employee benefits | $2,951,000 | 3,268 |
| Premises and equipment expense | $1,158,000 | 2,237 |
| Additional noninterest expense | $927,000 | 4,884 |
| Pre-tax net operating income | $1,236,000 | 4,296 |
| Securities gains (losses) | $415,000 | 292 |
| Applicable income taxes | $7,000 | 5,711 |
| Income before extraordinary items | $1,644,000 | 3,240 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,644,000 | 3,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,912 |
| Cash dividends | $1,107,000 | 2,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,229,000 | 3,884 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,131,000 | 3,570 |
| Total interest expense | $3,864,000 | 3,390 |
| Net interest income | $4,267,000 | 3,659 |
| Provision for loan and lease losses | $180,000 | 3,151 |
| Total noninterest income | $563,000 | 4,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $563,000 | 2,661 |
| Total noninterest expense | $3,737,000 | 3,429 |
| Salaries and employee benefits | $2,169,000 | 3,312 |
| Premises and equipment expense | $848,000 | 2,280 |
| Additional noninterest expense | $720,000 | 4,714 |
| Pre-tax net operating income | $913,000 | 4,563 |
| Securities gains (losses) | $300,000 | 313 |
| Applicable income taxes | $6,000 | 5,862 |
| Income before extraordinary items | $1,207,000 | 3,453 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,207,000 | 3,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,341 |
| Cash dividends | $862,000 | 2,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $907,000 | 4,087 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,337,000 | 3,615 |
| Total interest expense | $2,532,000 | 3,422 |
| Net interest income | $2,805,000 | 3,718 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $367,000 | 4,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $367,000 | 2,696 |
| Total noninterest expense | $2,493,000 | 3,442 |
| Salaries and employee benefits | $1,436,000 | 3,358 |
| Premises and equipment expense | $566,000 | 2,287 |
| Additional noninterest expense | $491,000 | 4,638 |
| Pre-tax net operating income | $559,000 | 4,829 |
| Securities gains (losses) | $230,000 | 286 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $784,000 | 3,559 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $784,000 | 3,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,834 |
| Cash dividends | $388,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $556,300 | 4,320 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,612,000 | 3,662 |
| Total interest expense | $1,226,000 | 3,487 |
| Net interest income | $1,386,000 | 3,743 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $148,000 | 4,668 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $148,000 | 3,050 |
| Total noninterest expense | $1,218,000 | 3,529 |
| Salaries and employee benefits | $696,000 | 3,473 |
| Premises and equipment expense | $279,000 | 2,344 |
| Additional noninterest expense | $243,000 | 4,627 |
| Pre-tax net operating income | $256,000 | 4,996 |
| Securities gains (losses) | $99,000 | 308 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $351,000 | 3,812 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $351,000 | 3,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 1,723 |
| Cash dividends | $388,000 | 1,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $252,990 | 4,518 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,954,000 | 3,580 |
| Total interest expense | $4,087,000 | 3,541 |
| Net interest income | $5,867,000 | 3,576 |
| Provision for loan and lease losses | $231,000 | 3,268 |
| Total noninterest income | $661,000 | 4,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $661,000 | 2,835 |
| Total noninterest expense | $5,283,000 | 3,202 |
| Salaries and employee benefits | $3,182,000 | 2,972 |
| Premises and equipment expense | $1,083,000 | 2,290 |
| Additional noninterest expense | $1,018,000 | 4,455 |
| Pre-tax net operating income | $1,014,000 | 5,169 |
| Securities gains (losses) | $403,000 | 271 |
| Applicable income taxes | $4,000 | 6,378 |
| Income before extraordinary items | $1,413,000 | 3,917 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,413,000 | 3,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $771,000 | 3,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,010,000 | 4,687 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,252,000 | 3,642 |
| Total interest expense | $2,883,000 | 3,605 |
| Net interest income | $4,369,000 | 3,617 |
| Provision for loan and lease losses | $171,000 | 3,183 |
| Total noninterest income | $496,000 | 4,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $496,000 | 2,855 |
| Total noninterest expense | $4,033,000 | 3,148 |
| Salaries and employee benefits | $2,416,000 | 2,934 |
| Premises and equipment expense | $818,000 | 2,273 |
| Additional noninterest expense | $799,000 | 4,266 |
| Pre-tax net operating income | $661,000 | 5,661 |
| Securities gains (losses) | $266,000 | 290 |
| Applicable income taxes | $3,000 | 6,487 |
| Income before extraordinary items | $924,000 | 4,351 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $924,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $536,000 | 2,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $658,000 | 5,137 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,673,000 | 3,688 |
| Total interest expense | $1,771,000 | 3,693 |
| Net interest income | $2,902,000 | 3,636 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $344,000 | 4,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $344,000 | 2,782 |
| Total noninterest expense | $2,638,000 | 3,205 |
| Salaries and employee benefits | $1,563,000 | 3,026 |
| Premises and equipment expense | $533,000 | 2,325 |
| Additional noninterest expense | $542,000 | 4,233 |
| Pre-tax net operating income | $488,000 | 5,464 |
| Securities gains (losses) | $180,000 | 282 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $666,000 | 4,190 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $666,000 | 4,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $407,000 | 2,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $486,000 | 4,943 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,240,000 | 3,757 |
| Total interest expense | $837,000 | 3,696 |
| Net interest income | $1,403,000 | 3,730 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $153,000 | 4,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $153,000 | 2,941 |
| Total noninterest expense | $1,289,000 | 3,290 |
| Salaries and employee benefits | $771,000 | 3,067 |
| Premises and equipment expense | $263,000 | 2,370 |
| Additional noninterest expense | $255,000 | 4,409 |
| Pre-tax net operating income | $207,000 | 5,773 |
| Securities gains (losses) | $70,000 | 296 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $276,000 | 4,616 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $276,000 | 4,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $111,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $206,000 | 5,293 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,631,000 | 3,885 |
| Total interest expense | $2,611,000 | 3,702 |
| Net interest income | $5,020,000 | 3,938 |
| Provision for loan and lease losses | $132,000 | 4,316 |
| Total noninterest income | $697,000 | 4,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $697,000 | 2,779 |
| Total noninterest expense | $4,783,000 | 3,361 |
| Salaries and employee benefits | $2,849,000 | 3,115 |
| Premises and equipment expense | $971,000 | 2,437 |
| Additional noninterest expense | $963,000 | 4,544 |
| Pre-tax net operating income | $802,000 | 5,865 |
| Securities gains (losses) | $352,000 | 366 |
| Applicable income taxes | $2,000 | 6,781 |
| Income before extraordinary items | $1,152,000 | 4,449 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,152,000 | 4,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,068 |
| Cash dividends | $225,000 | 4,773 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 471 |
| Net operating income | $800,000 | 5,320 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,504,000 | 3,956 |
| Total interest expense | $1,825,000 | 3,751 |
| Net interest income | $3,679,000 | 4,006 |
| Provision for loan and lease losses | $72,000 | 4,758 |
| Total noninterest income | $537,000 | 4,346 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $537,000 | 2,742 |
| Total noninterest expense | $3,516,000 | 3,382 |
| Salaries and employee benefits | $2,067,000 | 3,184 |
| Premises and equipment expense | $732,000 | 2,407 |
| Additional noninterest expense | $717,000 | 4,556 |
| Pre-tax net operating income | $628,000 | 5,883 |
| Securities gains (losses) | $253,000 | 420 |
| Applicable income taxes | $1,000 | 6,867 |
| Income before extraordinary items | $880,000 | 4,515 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $880,000 | 4,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,275 |
| Cash dividends | $225,000 | 3,898 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 340 |
| Net operating income | $627,000 | 5,316 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,483,000 | 4,053 |
| Total interest expense | $1,116,000 | 3,825 |
| Net interest income | $2,367,000 | 4,093 |
| Provision for loan and lease losses | $48,000 | 4,636 |
| Total noninterest income | $344,000 | 4,419 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $344,000 | 2,808 |
| Total noninterest expense | $2,262,000 | 3,460 |
| Salaries and employee benefits | $1,319,000 | 3,283 |
| Premises and equipment expense | $490,000 | 2,376 |
| Additional noninterest expense | $453,000 | 4,709 |
| Pre-tax net operating income | $401,000 | 5,971 |
| Securities gains (losses) | $112,000 | 534 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $513,000 | 4,837 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $513,000 | 4,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 2,209 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 238 |
| Net operating income | $401,000 | 5,400 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,625,000 | 4,228 |
| Total interest expense | $531,000 | 3,862 |
| Net interest income | $1,094,000 | 4,333 |
| Provision for loan and lease losses | $25,000 | 4,374 |
| Total noninterest income | $146,000 | 4,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $146,000 | 3,022 |
| Total noninterest expense | $1,108,000 | 3,547 |
| Salaries and employee benefits | $646,000 | 3,339 |
| Premises and equipment expense | $243,000 | 2,414 |
| Additional noninterest expense | $219,000 | 4,774 |
| Pre-tax net operating income | $107,000 | 7,119 |
| Securities gains (losses) | $38,000 | 620 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $145,000 | 6,171 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $145,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,244 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $107,000 | 6,735 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,841,000 | 4,340 |
| Total interest expense | $1,815,000 | 3,946 |
| Net interest income | $4,026,000 | 4,463 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $740,000 | 4,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $740,000 | 2,627 |
| Total noninterest expense | $3,906,000 | 3,831 |
| Salaries and employee benefits | $2,298,000 | 3,564 |
| Premises and equipment expense | $839,000 | 2,679 |
| Additional noninterest expense | $769,000 | 5,229 |
| Pre-tax net operating income | $836,000 | 5,683 |
| Securities gains (losses) | $186,000 | 862 |
| Applicable income taxes | $3,000 | 7,000 |
| Income before extraordinary items | $1,019,000 | 4,643 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,019,000 | 4,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,577 |
| Cash dividends | $159,000 | 5,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $833,000 | 5,102 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,257,000 | 4,408 |
| Total interest expense | $1,308,000 | 4,029 |
| Net interest income | $2,949,000 | 4,534 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $572,000 | 4,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $572,000 | 2,583 |
| Total noninterest expense | $2,930,000 | 3,779 |
| Salaries and employee benefits | $1,709,000 | 3,583 |
| Premises and equipment expense | $625,000 | 2,678 |
| Additional noninterest expense | $596,000 | 5,073 |
| Pre-tax net operating income | $591,000 | 5,938 |
| Securities gains (losses) | $123,000 | 1,042 |
| Applicable income taxes | $2,000 | 7,080 |
| Income before extraordinary items | $712,000 | 4,914 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $712,000 | 4,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,632 |
| Cash dividends | $84,000 | 4,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $589,000 | 5,322 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,678,000 | 4,600 |
| Total interest expense | $837,000 | 4,142 |
| Net interest income | $1,841,000 | 4,745 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $373,000 | 4,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $373,000 | 2,623 |
| Total noninterest expense | $1,905,000 | 3,893 |
| Salaries and employee benefits | $1,105,000 | 3,686 |
| Premises and equipment expense | $412,000 | 2,721 |
| Additional noninterest expense | $388,000 | 5,166 |
| Pre-tax net operating income | $309,000 | 6,447 |
| Securities gains (losses) | $80,000 | 1,164 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $389,000 | 5,382 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $389,000 | 5,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-63,000 | 8,795 |
| Cash dividends | $73,000 | 4,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $309,000 | 5,888 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,281,000 | 4,769 |
| Total interest expense | $414,000 | 4,219 |
| Net interest income | $867,000 | 4,925 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $164,000 | 4,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $164,000 | 2,783 |
| Total noninterest expense | $907,000 | 4,066 |
| Salaries and employee benefits | $558,000 | 3,675 |
| Premises and equipment expense | $192,000 | 2,926 |
| Additional noninterest expense | $157,000 | 5,860 |
| Pre-tax net operating income | $124,000 | 6,805 |
| Securities gains (losses) | $40,000 | 1,323 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $164,000 | 5,802 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $164,000 | 5,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,144 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $124,000 | 6,321 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,101,000 | 4,821 |
| Total interest expense | $1,648,000 | 4,604 |
| Net interest income | $3,453,000 | 4,848 |
| Provision for loan and lease losses | $716,000 | 1,597 |
| Total noninterest income | $913,000 | 3,913 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $913,000 | 2,528 |
| Total noninterest expense | $3,715,000 | 3,915 |
| Salaries and employee benefits | $2,410,000 | 3,361 |
| Premises and equipment expense | $623,000 | 3,421 |
| Additional noninterest expense | $682,000 | 5,587 |
| Pre-tax net operating income | $-65,000 | 8,615 |
| Securities gains (losses) | $403,000 | 869 |
| Applicable income taxes | $233,000 | 4,686 |
| Income before extraordinary items | $105,000 | 8,193 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $105,000 | 8,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $162,000 | 3,222 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-152,920 | 8,682 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,796,000 | 4,912 |
| Total interest expense | $1,237,000 | 4,716 |
| Net interest income | $2,559,000 | 4,893 |
| Provision for loan and lease losses | $91,000 | 4,804 |
| Total noninterest income | $721,000 | 3,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $721,000 | 2,507 |
| Total noninterest expense | $2,309,000 | 4,513 |
| Salaries and employee benefits | $1,447,000 | 4,037 |
| Premises and equipment expense | $450,000 | 3,524 |
| Additional noninterest expense | $412,000 | 6,259 |
| Pre-tax net operating income | $880,000 | 4,886 |
| Securities gains (losses) | $343,000 | 883 |
| Applicable income taxes | $466,000 | 3,151 |
| Income before extraordinary items | $757,000 | 4,752 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $757,000 | 4,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,181 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $537,480 | 5,489 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,528,000 | 4,953 |
| Total interest expense | $834,000 | 4,807 |
| Net interest income | $1,694,000 | 4,910 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $476,000 | 3,849 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $476,000 | 2,513 |
| Total noninterest expense | $1,523,000 | 4,535 |
| Salaries and employee benefits | $947,000 | 4,088 |
| Premises and equipment expense | $308,000 | 3,405 |
| Additional noninterest expense | $268,000 | 6,326 |
| Pre-tax net operating income | $587,000 | 4,888 |
| Securities gains (losses) | $218,000 | 992 |
| Applicable income taxes | $311,000 | 3,180 |
| Income before extraordinary items | $494,000 | 4,835 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $494,000 | 4,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,723 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $354,480 | 5,492 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,251,000 | 5,011 |
| Total interest expense | $416,000 | 4,918 |
| Net interest income | $835,000 | 4,944 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $208,000 | 4,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $208,000 | 2,655 |
| Total noninterest expense | $756,000 | 4,547 |
| Salaries and employee benefits | $460,000 | 4,168 |
| Premises and equipment expense | $153,000 | 3,437 |
| Additional noninterest expense | $143,000 | 6,099 |
| Pre-tax net operating income | $257,000 | 5,204 |
| Securities gains (losses) | $81,000 | 1,118 |
| Applicable income taxes | $128,000 | 3,508 |
| Income before extraordinary items | $210,000 | 5,201 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $210,000 | 5,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $158,160 | 5,696 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,284,000 | 4,984 |
| Total interest expense | $2,038,000 | 4,732 |
| Net interest income | $3,246,000 | 5,019 |
| Provision for loan and lease losses | $108,000 | 5,596 |
| Total noninterest income | $858,000 | 3,829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $858,000 | 2,395 |
| Total noninterest expense | $2,886,000 | 4,582 |
| Salaries and employee benefits | $1,724,000 | 4,227 |
| Premises and equipment expense | $596,000 | 3,437 |
| Additional noninterest expense | $566,000 | 6,123 |
| Pre-tax net operating income | $1,110,000 | 4,923 |
| Securities gains (losses) | $241,000 | 1,045 |
| Applicable income taxes | $535,000 | 3,330 |
| Income before extraordinary items | $816,000 | 5,145 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $816,000 | 5,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 4,549 |
| Cash dividends | $150,000 | 5,190 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 471 |
| Net operating income | $661,760 | 5,557 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,564,000 | 5,243 |
| Total interest expense | $2,860,000 | 4,906 |
| Net interest income | $2,704,000 | 5,447 |
| Provision for loan and lease losses | $31,000 | 7,199 |
| Total noninterest income | $780,000 | 3,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $780,000 | 2,428 |
| Total noninterest expense | $2,837,000 | 4,530 |
| Salaries and employee benefits | $1,593,000 | 4,313 |
| Premises and equipment expense | $675,000 | 3,045 |
| Additional noninterest expense | $569,000 | 6,040 |
| Pre-tax net operating income | $616,000 | 6,116 |
| Securities gains (losses) | $187,000 | 1,250 |
| Applicable income taxes | $329,000 | 4,096 |
| Income before extraordinary items | $474,000 | 6,199 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $474,000 | 6,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,148 |
| Cash dividends | $141,000 | 5,407 |
| Sale, conversion, retirement of capital stock, net | $1,017,000 | 400 |
| Net operating income | $354,320 | 6,695 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,749,000 | 5,920 |
| Total interest expense | $2,665,000 | 5,339 |
| Net interest income | $2,084,000 | 6,449 |
| Provision for loan and lease losses | $16,000 | 7,742 |
| Total noninterest income | $572,000 | 4,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $572,000 | 2,702 |
| Total noninterest expense | $2,470,000 | 4,899 |
| Salaries and employee benefits | $1,336,000 | 4,798 |
| Premises and equipment expense | $633,000 | 3,125 |
| Additional noninterest expense | $501,000 | 6,425 |
| Pre-tax net operating income | $170,000 | 8,496 |
| Securities gains (losses) | $30,000 | 843 |
| Applicable income taxes | $89,000 | 6,663 |
| Income before extraordinary items | $111,000 | 8,636 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $111,000 | 8,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $150,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $91,800 | 8,751 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,362,000 | 6,045 |
| Total interest expense | $2,094,000 | 5,827 |
| Net interest income | $2,268,000 | 6,150 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $474,000 | 5,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $474,000 | 3,058 |
| Total noninterest expense | $2,254,000 | 5,240 |
| Salaries and employee benefits | $1,231,000 | 5,070 |
| Premises and equipment expense | $494,000 | 3,799 |
| Additional noninterest expense | $529,000 | 6,284 |
| Pre-tax net operating income | $488,000 | 7,191 |
| Securities gains (losses) | $61,000 | 917 |
| Applicable income taxes | $219,000 | 5,510 |
| Income before extraordinary items | $330,000 | 7,395 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $330,000 | 7,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $150,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $290,960 | 7,635 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,467,000 | 6,086 |
| Total interest expense | $2,185,000 | 5,860 |
| Net interest income | $2,282,000 | 6,160 |
| Provision for loan and lease losses | $11,000 | 8,185 |
| Total noninterest income | $366,000 | 5,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $366,000 | 3,612 |
| Total noninterest expense | $1,842,000 | 5,898 |
| Salaries and employee benefits | $1,097,000 | 5,409 |
| Premises and equipment expense | $321,000 | 5,170 |
| Additional noninterest expense | $424,000 | 7,026 |
| Pre-tax net operating income | $795,000 | 6,118 |
| Securities gains (losses) | $172,000 | 987 |
| Applicable income taxes | $389,000 | 4,501 |
| Income before extraordinary items | $578,000 | 6,168 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $578,000 | 6,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 9,884 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $467,920 | 6,694 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,334,000 | 6,356 |
| Total interest expense | $2,099,000 | 6,082 |
| Net interest income | $2,235,000 | 6,466 |
| Provision for loan and lease losses | $30,000 | 7,369 |
| Total noninterest income | $406,000 | 5,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $406,000 | 3,251 |
| Total noninterest expense | $1,791,000 | 6,081 |
| Salaries and employee benefits | $1,062,000 | 5,626 |
| Premises and equipment expense | $295,000 | 5,499 |
| Additional noninterest expense | $434,000 | 7,070 |
| Pre-tax net operating income | $820,000 | 6,458 |
| Securities gains (losses) | $82,000 | 1,079 |
| Applicable income taxes | $351,000 | 5,291 |
| Income before extraordinary items | $551,000 | 6,664 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $551,000 | 6,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $150,000 | 5,875 |
| Sale, conversion, retirement of capital stock, net | $275,000 | 625 |
| Net operating income | $498,520 | 6,916 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,354,000 | 6,530 |
| Total interest expense | $2,132,000 | 6,161 |
| Net interest income | $2,222,000 | 6,721 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $369,000 | 6,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $369,000 | 3,566 |
| Total noninterest expense | $2,079,000 | 5,768 |
| Salaries and employee benefits | $1,034,000 | 5,858 |
| Premises and equipment expense | $286,000 | 5,766 |
| Additional noninterest expense | $759,000 | 5,408 |
| Pre-tax net operating income | $476,000 | 8,082 |
| Securities gains (losses) | $30,000 | 1,690 |
| Applicable income taxes | $287,000 | 5,982 |
| Income before extraordinary items | $219,000 | 9,123 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $219,000 | 9,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $128,000 | 6,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $199,800 | 9,251 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,895,000 | 7,120 |
| Total interest expense | $1,989,000 | 6,490 |
| Net interest income | $1,906,000 | 7,519 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $325,000 | 6,785 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $325,000 | 3,814 |
| Total noninterest expense | $1,644,000 | 6,855 |
| Salaries and employee benefits | $854,000 | 6,798 |
| Premises and equipment expense | $324,000 | 5,312 |
| Additional noninterest expense | $466,000 | 7,552 |
| Pre-tax net operating income | $563,000 | 8,094 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $55,000 | 10,091 |
| Income before extraordinary items | $516,000 | 7,130 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $516,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,002 |
| Cash dividends | $138,000 | 6,249 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $508,800 | 7,158 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,379,000 | 7,516 |
| Total interest expense | $1,577,000 | 6,659 |
| Net interest income | $1,802,000 | 8,039 |
| Provision for loan and lease losses | $6,000 | 8,739 |
| Total noninterest income | $336,000 | 6,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $336,000 | 3,820 |
| Total noninterest expense | $1,726,000 | 6,913 |
| Salaries and employee benefits | $880,000 | 6,749 |
| Premises and equipment expense | $314,000 | 5,513 |
| Additional noninterest expense | $532,000 | 7,585 |
| Pre-tax net operating income | $406,000 | 9,318 |
| Securities gains (losses) | $32,000 | 1,429 |
| Applicable income taxes | $166,000 | 8,002 |
| Income before extraordinary items | $272,000 | 9,466 |
| Extraordinary gains, net | $-247,000 | 12,563 |
| Net income | $25,000 | 11,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 11,188 |
| Cash dividends | $138,000 | 6,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $251,520 | 9,750 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,608,000 | 7,391 |
| Total interest expense | $1,648,000 | 6,746 |
| Net interest income | $1,960,000 | 7,797 |
| Provision for loan and lease losses | $-326,000 | 13,116 |
| Total noninterest income | $421,000 | 6,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $421,000 | 3,638 |
| Total noninterest expense | $1,720,000 | 7,132 |
| Salaries and employee benefits | $939,000 | 6,483 |
| Premises and equipment expense | $278,000 | 6,207 |
| Additional noninterest expense | $503,000 | 8,182 |
| Pre-tax net operating income | $987,000 | 5,931 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $159,000 | 8,437 |
| Income before extraordinary items | $828,000 | 5,417 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $828,000 | 5,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 4,468 |
| Cash dividends | $133,000 | 6,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $828,000 | 5,176 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 7,777 |
| Total interest expense | $2,117,000 | 6,820 |
| Net interest income | $1,682,000 | 8,714 |
| Provision for loan and lease losses | $-88,000 | 13,686 |
| Total noninterest income | $241,000 | 8,649 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $241,000 | 5,087 |
| Total noninterest expense | $1,511,000 | 7,872 |
| Salaries and employee benefits | $776,000 | 7,429 |
| Premises and equipment expense | $261,000 | 6,590 |
| Additional noninterest expense | $474,000 | 8,709 |
| Pre-tax net operating income | $500,000 | 8,414 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $105,000 | 9,775 |
| Income before extraordinary items | $395,000 | 8,271 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $395,000 | 8,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 13,409 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $1,117,000 | 393 |
| Net operating income | $395,000 | 7,911 |
* 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.