Home > Santa Lucia Bank > Income and Expense
Santa Lucia Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,635,000 | 2,744 |
| Total interest expense | $865,000 | 4,180 |
| Net interest income | $6,770,000 | 2,439 |
| Provision for loan and lease losses | $530,000 | 2,789 |
| Total noninterest income | $446,000 | 4,104 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $257,000 | 3,357 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $189,000 | 4,176 |
| Total noninterest expense | $7,215,000 | 1,992 |
| Salaries and employee benefits | $3,537,000 | 2,041 |
| Premises and equipment expense | $904,000 | 2,068 |
| Additional noninterest expense | $2,774,000 | 1,833 |
| Pre-tax net operating income | $-529,000 | 6,630 |
| Securities gains (losses) | $105,000 | 1,749 |
| Applicable income taxes | $274,000 | 2,357 |
| Income before extraordinary items | $-698,000 | 6,769 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-698,000 | 6,769 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-698,000 | 6,769 |
| Net charge-offs | $2,056,000 | 1,201 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 472 |
| Net operating income | $-803,000 | 6,765 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,249,000 | 2,696 |
| Total interest expense | $618,000 | 4,136 |
| Net interest income | $4,631,000 | 2,367 |
| Provision for loan and lease losses | $530,000 | 2,237 |
| Total noninterest income | $343,000 | 3,858 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $181,000 | 3,207 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $162,000 | 3,833 |
| Total noninterest expense | $4,896,000 | 1,967 |
| Salaries and employee benefits | $2,453,000 | 1,989 |
| Premises and equipment expense | $577,000 | 2,172 |
| Additional noninterest expense | $1,866,000 | 1,833 |
| Pre-tax net operating income | $-452,000 | 6,764 |
| Securities gains (losses) | $105,000 | 1,113 |
| Applicable income taxes | $273,000 | 1,903 |
| Income before extraordinary items | $-620,000 | 6,890 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-620,000 | 6,889 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-620,000 | 6,890 |
| Net charge-offs | $2,165,000 | 870 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $175,000 | 329 |
| Net operating income | $-725,000 | 6,928 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,692,000 | 2,654 |
| Total interest expense | $335,000 | 4,026 |
| Net interest income | $2,357,000 | 2,314 |
| Provision for loan and lease losses | $370,000 | 1,728 |
| Total noninterest income | $158,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $91,000 | 3,174 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $67,000 | 4,206 |
| Total noninterest expense | $2,407,000 | 2,008 |
| Salaries and employee benefits | $1,249,000 | 1,963 |
| Premises and equipment expense | $157,000 | 3,576 |
| Additional noninterest expense | $1,001,000 | 1,711 |
| Pre-tax net operating income | $-262,000 | 6,894 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-262,000 | 6,952 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-262,000 | 6,952 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-262,000 | 6,952 |
| Net charge-offs | $902,000 | 919 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 448 |
| Net operating income | $-262,000 | 6,936 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,584,000 | 2,387 |
| Total interest expense | $2,218,000 | 3,286 |
| Net interest income | $10,366,000 | 2,110 |
| Provision for loan and lease losses | $15,198,000 | 472 |
| Total noninterest income | $1,022,000 | 3,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $479,000 | 2,720 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $543,000 | 3,073 |
| Total noninterest expense | $10,486,000 | 1,873 |
| Salaries and employee benefits | $5,176,000 | 1,881 |
| Premises and equipment expense | $1,219,000 | 2,072 |
| Additional noninterest expense | $4,091,000 | 1,760 |
| Pre-tax net operating income | $-14,296,000 | 7,441 |
| Securities gains (losses) | $588,000 | 777 |
| Applicable income taxes | $562,000 | 1,772 |
| Income before extraordinary items | $-14,270,000 | 7,458 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-14,270,000 | 7,458 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-14,270,000 | 7,458 |
| Net charge-offs | $7,585,000 | 746 |
| Cash dividends | $74,000 | 3,851 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 711 |
| Net operating income | $-14,858,000 | 7,464 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,599,000 | 2,405 |
| Total interest expense | $1,799,000 | 3,208 |
| Net interest income | $7,800,000 | 2,123 |
| Provision for loan and lease losses | $13,448,000 | 392 |
| Total noninterest income | $700,000 | 3,383 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $358,000 | 2,781 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $342,000 | 3,336 |
| Total noninterest expense | $7,840,000 | 1,870 |
| Salaries and employee benefits | $3,887,000 | 1,874 |
| Premises and equipment expense | $912,000 | 2,100 |
| Additional noninterest expense | $3,041,000 | 1,750 |
| Pre-tax net operating income | $-12,788,000 | 7,604 |
| Securities gains (losses) | $215,000 | 1,319 |
| Applicable income taxes | $562,000 | 1,548 |
| Income before extraordinary items | $-13,135,000 | 7,621 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-13,135,000 | 7,621 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-13,135,000 | 7,621 |
| Net charge-offs | $7,119,000 | 617 |
| Cash dividends | $74,000 | 3,328 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 649 |
| Net operating income | $-13,350,000 | 7,619 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,549,000 | 2,373 |
| Total interest expense | $1,262,000 | 3,186 |
| Net interest income | $5,287,000 | 2,086 |
| Provision for loan and lease losses | $8,748,000 | 396 |
| Total noninterest income | $471,000 | 3,329 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $241,000 | 2,777 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $230,000 | 3,265 |
| Total noninterest expense | $5,227,000 | 1,874 |
| Salaries and employee benefits | $2,656,000 | 1,849 |
| Premises and equipment expense | $603,000 | 2,144 |
| Additional noninterest expense | $1,968,000 | 1,786 |
| Pre-tax net operating income | $-8,217,000 | 7,652 |
| Securities gains (losses) | $215,000 | 912 |
| Applicable income taxes | $562,000 | 1,107 |
| Income before extraordinary items | $-8,564,000 | 7,671 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-8,564,000 | 7,671 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-8,564,000 | 7,671 |
| Net charge-offs | $4,405,000 | 629 |
| Cash dividends | $74,000 | 3,028 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 569 |
| Net operating income | $-8,779,000 | 7,676 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 2,384 |
| Total interest expense | $650,000 | 3,227 |
| Net interest income | $2,687,000 | 2,081 |
| Provision for loan and lease losses | $8,748,000 | 253 |
| Total noninterest income | $214,000 | 3,504 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $120,000 | 2,794 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $94,000 | 3,633 |
| Total noninterest expense | $2,373,000 | 2,063 |
| Salaries and employee benefits | $1,380,000 | 1,815 |
| Premises and equipment expense | $302,000 | 2,191 |
| Additional noninterest expense | $691,000 | 2,405 |
| Pre-tax net operating income | $-8,220,000 | 7,825 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $562,000 | 647 |
| Income before extraordinary items | $-8,782,000 | 7,838 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-8,782,000 | 7,839 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-8,782,000 | 7,839 |
| Net charge-offs | $908,000 | 1,107 |
| Cash dividends | $53,000 | 2,243 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 521 |
| Net operating income | $-8,782,000 | 7,838 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,848,000 | 2,414 |
| Total interest expense | $2,937,000 | 3,461 |
| Net interest income | $10,911,000 | 2,013 |
| Provision for loan and lease losses | $5,460,000 | 1,337 |
| Total noninterest income | $1,010,000 | 3,321 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $517,000 | 2,813 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $493,000 | 3,223 |
| Total noninterest expense | $9,685,000 | 2,084 |
| Salaries and employee benefits | $5,359,000 | 1,846 |
| Premises and equipment expense | $1,294,000 | 2,061 |
| Additional noninterest expense | $3,032,000 | 2,320 |
| Pre-tax net operating income | $-3,224,000 | 6,936 |
| Securities gains (losses) | $225,000 | 1,462 |
| Applicable income taxes | $-1,327,000 | 7,380 |
| Income before extraordinary items | $-1,672,000 | 6,643 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,672,000 | 6,643 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,672,000 | 6,643 |
| Net charge-offs | $4,384,000 | 1,259 |
| Cash dividends | $772,000 | 1,989 |
| Sale, conversion, retirement of capital stock, net | $136,000 | 819 |
| Net operating income | $-1,816,000 | 6,682 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,497,000 | 2,426 |
| Total interest expense | $2,241,000 | 3,550 |
| Net interest income | $8,256,000 | 1,991 |
| Provision for loan and lease losses | $750,000 | 3,186 |
| Total noninterest income | $728,000 | 3,455 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $379,000 | 2,868 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $349,000 | 3,398 |
| Total noninterest expense | $7,224,000 | 2,085 |
| Salaries and employee benefits | $4,033,000 | 1,861 |
| Premises and equipment expense | $493,000 | 3,653 |
| Additional noninterest expense | $2,698,000 | 1,956 |
| Pre-tax net operating income | $1,010,000 | 2,719 |
| Securities gains (losses) | $92,000 | 1,900 |
| Applicable income taxes | $382,000 | 1,677 |
| Income before extraordinary items | $720,000 | 3,068 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $720,000 | 3,066 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $720,000 | 3,069 |
| Net charge-offs | $583,000 | 2,832 |
| Cash dividends | $717,000 | 1,615 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 739 |
| Net operating income | $660,200 | 3,138 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,034,000 | 2,451 |
| Total interest expense | $1,508,000 | 3,655 |
| Net interest income | $5,526,000 | 1,985 |
| Provision for loan and lease losses | $350,000 | 3,472 |
| Total noninterest income | $467,000 | 3,554 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $251,000 | 2,856 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $216,000 | 3,531 |
| Total noninterest expense | $4,884,000 | 2,078 |
| Salaries and employee benefits | $2,731,000 | 1,851 |
| Premises and equipment expense | $643,000 | 2,123 |
| Additional noninterest expense | $1,510,000 | 2,322 |
| Pre-tax net operating income | $759,000 | 2,607 |
| Securities gains (losses) | $92,000 | 1,549 |
| Applicable income taxes | $303,000 | 1,518 |
| Income before extraordinary items | $548,000 | 2,930 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $548,000 | 2,928 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $548,000 | 2,929 |
| Net charge-offs | $486,000 | 2,384 |
| Cash dividends | $654,000 | 1,324 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 716 |
| Net operating income | $489,120 | 3,033 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,462,000 | 2,510 |
| Total interest expense | $737,000 | 3,809 |
| Net interest income | $2,725,000 | 2,005 |
| Provision for loan and lease losses | $240,000 | 2,611 |
| Total noninterest income | $231,000 | 3,535 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $121,000 | 2,875 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $110,000 | 3,505 |
| Total noninterest expense | $2,396,000 | 2,062 |
| Salaries and employee benefits | $1,380,000 | 1,878 |
| Premises and equipment expense | $332,000 | 2,097 |
| Additional noninterest expense | $684,000 | 2,274 |
| Pre-tax net operating income | $320,000 | 3,233 |
| Securities gains (losses) | $92,000 | 1,039 |
| Applicable income taxes | $144,000 | 1,783 |
| Income before extraordinary items | $268,000 | 3,322 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $268,000 | 3,322 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $268,000 | 3,323 |
| Net charge-offs | $418,000 | 1,501 |
| Cash dividends | $654,000 | 670 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 605 |
| Net operating income | $208,200 | 3,647 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,268,000 | 2,424 |
| Total interest expense | $3,649,000 | 3,743 |
| Net interest income | $11,619,000 | 1,919 |
| Provision for loan and lease losses | $975,000 | 2,744 |
| Total noninterest income | $1,003,000 | 3,392 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $554,000 | 2,798 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $449,000 | 3,382 |
| Total noninterest expense | $9,622,000 | 2,006 |
| Salaries and employee benefits | $5,650,000 | 1,807 |
| Premises and equipment expense | $1,320,000 | 2,049 |
| Additional noninterest expense | $2,652,000 | 2,236 |
| Pre-tax net operating income | $2,025,000 | 2,426 |
| Securities gains (losses) | $108,000 | 1,075 |
| Applicable income taxes | $782,000 | 1,420 |
| Income before extraordinary items | $1,351,000 | 2,709 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,351,000 | 2,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 3,361 |
| Cash dividends | $1,369,000 | 1,853 |
| Sale, conversion, retirement of capital stock, net | $321,000 | 655 |
| Net operating income | $1,281,880 | 2,935 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,576,000 | 2,454 |
| Total interest expense | $2,855,000 | 3,746 |
| Net interest income | $8,721,000 | 1,943 |
| Provision for loan and lease losses | $200,000 | 4,198 |
| Total noninterest income | $758,000 | 3,464 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $422,000 | 2,789 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $336,000 | 3,483 |
| Total noninterest expense | $7,142,000 | 2,010 |
| Salaries and employee benefits | $4,222,000 | 1,839 |
| Premises and equipment expense | $986,000 | 2,070 |
| Additional noninterest expense | $1,934,000 | 2,224 |
| Pre-tax net operating income | $2,137,000 | 2,200 |
| Securities gains (losses) | $108,000 | 917 |
| Applicable income taxes | $849,000 | 1,315 |
| Income before extraordinary items | $1,396,000 | 2,472 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,396,000 | 2,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,168 |
| Cash dividends | $1,339,000 | 1,450 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 749 |
| Net operating income | $1,326,880 | 2,692 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,785,000 | 2,478 |
| Total interest expense | $1,991,000 | 3,757 |
| Net interest income | $5,794,000 | 1,935 |
| Provision for loan and lease losses | $40,000 | 5,379 |
| Total noninterest income | $510,000 | 3,455 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $286,000 | 2,738 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $224,000 | 3,546 |
| Total noninterest expense | $4,738,000 | 2,021 |
| Salaries and employee benefits | $2,813,000 | 1,863 |
| Premises and equipment expense | $640,000 | 2,110 |
| Additional noninterest expense | $1,285,000 | 2,210 |
| Pre-tax net operating income | $1,526,000 | 2,160 |
| Securities gains (losses) | $108,000 | 913 |
| Applicable income taxes | $630,000 | 1,343 |
| Income before extraordinary items | $1,004,000 | 2,559 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,004,000 | 2,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,654 |
| Cash dividends | $773,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 666 |
| Net operating income | $934,880 | 2,668 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,048,000 | 2,449 |
| Total interest expense | $1,089,000 | 3,695 |
| Net interest income | $2,959,000 | 1,886 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $247,000 | 3,538 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $149,000 | 2,633 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $98,000 | 3,804 |
| Total noninterest expense | $2,377,000 | 2,015 |
| Salaries and employee benefits | $1,416,000 | 1,860 |
| Premises and equipment expense | $317,000 | 2,151 |
| Additional noninterest expense | $644,000 | 2,172 |
| Pre-tax net operating income | $829,000 | 2,076 |
| Securities gains (losses) | $108,000 | 681 |
| Applicable income taxes | $362,000 | 1,276 |
| Income before extraordinary items | $575,000 | 2,396 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $575,000 | 2,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,339 |
| Cash dividends | $688,000 | 1,046 |
| Sale, conversion, retirement of capital stock, net | $-67,000 | 8,445 |
| Net operating income | $505,880 | 2,593 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,594,000 | 2,341 |
| Total interest expense | $4,412,000 | 3,765 |
| Net interest income | $13,182,000 | 1,715 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,071,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $584,000 | 2,727 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $487,000 | 3,363 |
| Total noninterest expense | $8,971,000 | 2,048 |
| Salaries and employee benefits | $5,259,000 | 1,911 |
| Premises and equipment expense | $1,293,000 | 2,018 |
| Additional noninterest expense | $2,419,000 | 2,234 |
| Pre-tax net operating income | $5,282,000 | 1,576 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,076,000 | 1,106 |
| Income before extraordinary items | $3,206,000 | 1,932 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,206,000 | 1,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,104 |
| Cash dividends | $1,131,000 | 2,441 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 838 |
| Net operating income | $3,206,000 | 1,919 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,271,000 | 2,338 |
| Total interest expense | $3,259,000 | 3,810 |
| Net interest income | $10,012,000 | 1,697 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $792,000 | 3,416 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $437,000 | 2,726 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $355,000 | 3,427 |
| Total noninterest expense | $6,673,000 | 2,045 |
| Salaries and employee benefits | $3,905,000 | 1,927 |
| Premises and equipment expense | $965,000 | 2,009 |
| Additional noninterest expense | $1,803,000 | 2,213 |
| Pre-tax net operating income | $4,131,000 | 1,624 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,630,000 | 1,141 |
| Income before extraordinary items | $2,501,000 | 2,007 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,501,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,123 |
| Cash dividends | $1,044,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 766 |
| Net operating income | $2,501,000 | 1,996 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,769,000 | 2,373 |
| Total interest expense | $2,127,000 | 3,880 |
| Net interest income | $6,642,000 | 1,726 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $546,000 | 3,365 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $290,000 | 2,724 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $256,000 | 3,302 |
| Total noninterest expense | $4,415,000 | 2,084 |
| Salaries and employee benefits | $2,599,000 | 1,958 |
| Premises and equipment expense | $643,000 | 2,016 |
| Additional noninterest expense | $1,173,000 | 2,264 |
| Pre-tax net operating income | $2,773,000 | 1,664 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,079,000 | 1,206 |
| Income before extraordinary items | $1,694,000 | 2,020 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,694,000 | 2,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 8,364 |
| Cash dividends | $473,000 | 2,524 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 701 |
| Net operating income | $1,694,000 | 2,000 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,410,000 | 2,354 |
| Total interest expense | $1,044,000 | 3,897 |
| Net interest income | $3,366,000 | 1,717 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $292,000 | 3,164 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $141,000 | 2,722 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $151,000 | 3,007 |
| Total noninterest expense | $2,236,000 | 2,065 |
| Salaries and employee benefits | $1,314,000 | 1,955 |
| Premises and equipment expense | $328,000 | 1,990 |
| Additional noninterest expense | $594,000 | 2,210 |
| Pre-tax net operating income | $1,422,000 | 1,619 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $555,000 | 1,188 |
| Income before extraordinary items | $867,000 | 1,930 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $867,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,468 |
| Cash dividends | $386,000 | 1,714 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 588 |
| Net operating income | $867,000 | 1,919 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,019,000 | 2,297 |
| Total interest expense | $3,377,000 | 4,011 |
| Net interest income | $13,642,000 | 1,681 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $1,010,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $616,000 | 2,632 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $394,000 | 3,762 |
| Total noninterest expense | $8,473,000 | 2,075 |
| Salaries and employee benefits | $4,743,000 | 2,063 |
| Premises and equipment expense | $1,355,000 | 1,859 |
| Additional noninterest expense | $2,375,000 | 2,199 |
| Pre-tax net operating income | $5,939,000 | 1,623 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,369,000 | 1,167 |
| Income before extraordinary items | $3,570,000 | 1,981 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,570,000 | 1,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,923 |
| Cash dividends | $768,000 | 3,048 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 866 |
| Net operating income | $3,570,000 | 1,964 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,432,000 | 2,335 |
| Total interest expense | $2,370,000 | 4,099 |
| Net interest income | $10,062,000 | 1,728 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $766,000 | 3,487 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $468,000 | 2,611 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $298,000 | 3,741 |
| Total noninterest expense | $6,267,000 | 2,121 |
| Salaries and employee benefits | $3,519,000 | 2,085 |
| Premises and equipment expense | $994,000 | 1,912 |
| Additional noninterest expense | $1,754,000 | 2,223 |
| Pre-tax net operating income | $4,381,000 | 1,705 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,745,000 | 1,228 |
| Income before extraordinary items | $2,636,000 | 2,060 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,636,000 | 2,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 3,158 |
| Cash dividends | $767,000 | 2,302 |
| Sale, conversion, retirement of capital stock, net | $78,000 | 747 |
| Net operating income | $2,636,000 | 2,052 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,976,000 | 2,379 |
| Total interest expense | $1,446,000 | 4,213 |
| Net interest income | $6,530,000 | 1,782 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $519,000 | 3,442 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $306,000 | 2,617 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $213,000 | 3,629 |
| Total noninterest expense | $4,163,000 | 2,121 |
| Salaries and employee benefits | $2,332,000 | 2,104 |
| Premises and equipment expense | $651,000 | 1,937 |
| Additional noninterest expense | $1,180,000 | 2,212 |
| Pre-tax net operating income | $2,766,000 | 1,801 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,098,000 | 1,298 |
| Income before extraordinary items | $1,668,000 | 2,153 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,668,000 | 2,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,181 |
| Cash dividends | $382,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $68,000 | 595 |
| Net operating income | $1,668,000 | 2,137 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 2,410 |
| Total interest expense | $643,000 | 4,404 |
| Net interest income | $3,197,000 | 1,806 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $257,000 | 3,397 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $146,000 | 2,652 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $111,000 | 3,525 |
| Total noninterest expense | $2,087,000 | 2,117 |
| Salaries and employee benefits | $1,170,000 | 2,102 |
| Premises and equipment expense | $324,000 | 1,952 |
| Additional noninterest expense | $593,000 | 2,179 |
| Pre-tax net operating income | $1,307,000 | 1,840 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $515,000 | 1,365 |
| Income before extraordinary items | $792,000 | 2,213 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $792,000 | 2,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,228 |
| Cash dividends | $382,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 379 |
| Net operating income | $792,000 | 2,192 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,546,000 | 2,438 |
| Total interest expense | $1,984,000 | 4,454 |
| Net interest income | $11,562,000 | 1,915 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,058,000 | 3,417 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $603,000 | 2,652 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $455,000 | 3,538 |
| Total noninterest expense | $7,808,000 | 2,139 |
| Salaries and employee benefits | $4,242,000 | 2,165 |
| Premises and equipment expense | $1,149,000 | 2,087 |
| Additional noninterest expense | $2,417,000 | 2,074 |
| Pre-tax net operating income | $4,512,000 | 2,021 |
| Securities gains (losses) | $-6,000 | 7,363 |
| Applicable income taxes | $1,759,000 | 1,510 |
| Income before extraordinary items | $2,747,000 | 2,420 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,747,000 | 2,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,884 |
| Cash dividends | $730,000 | 2,996 |
| Sale, conversion, retirement of capital stock, net | $417,000 | 558 |
| Net operating income | $2,750,840 | 2,387 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,921,000 | 2,436 |
| Total interest expense | $1,424,000 | 4,457 |
| Net interest income | $8,497,000 | 1,940 |
| Provision for loan and lease losses | $230,000 | 2,673 |
| Total noninterest income | $790,000 | 3,438 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $449,000 | 2,661 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $341,000 | 3,571 |
| Total noninterest expense | $5,730,000 | 2,162 |
| Salaries and employee benefits | $3,126,000 | 2,179 |
| Premises and equipment expense | $838,000 | 2,129 |
| Additional noninterest expense | $1,766,000 | 2,105 |
| Pre-tax net operating income | $3,327,000 | 2,059 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $1,295,000 | 1,551 |
| Income before extraordinary items | $2,026,000 | 2,462 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,026,000 | 2,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,120 |
| Cash dividends | $729,000 | 2,251 |
| Sale, conversion, retirement of capital stock, net | $382,000 | 431 |
| Net operating income | $2,029,840 | 2,431 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,287,000 | 2,494 |
| Total interest expense | $884,000 | 4,491 |
| Net interest income | $5,403,000 | 2,011 |
| Provision for loan and lease losses | $170,000 | 2,439 |
| Total noninterest income | $496,000 | 3,541 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $292,000 | 2,675 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $204,000 | 3,731 |
| Total noninterest expense | $3,748,000 | 2,187 |
| Salaries and employee benefits | $2,051,000 | 2,204 |
| Premises and equipment expense | $548,000 | 2,167 |
| Additional noninterest expense | $1,149,000 | 2,140 |
| Pre-tax net operating income | $1,981,000 | 2,208 |
| Securities gains (losses) | $-6,000 | 7,982 |
| Applicable income taxes | $763,000 | 1,685 |
| Income before extraordinary items | $1,212,000 | 2,628 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,212,000 | 2,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,134 |
| Cash dividends | $350,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 513 |
| Net operating income | $1,215,840 | 2,581 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,007,000 | 2,565 |
| Total interest expense | $406,000 | 4,631 |
| Net interest income | $2,601,000 | 2,073 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $244,000 | 3,526 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $148,000 | 2,585 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $96,000 | 3,813 |
| Total noninterest expense | $1,843,000 | 2,249 |
| Salaries and employee benefits | $1,032,000 | 2,201 |
| Premises and equipment expense | $258,000 | 2,286 |
| Additional noninterest expense | $553,000 | 2,211 |
| Pre-tax net operating income | $942,000 | 2,268 |
| Securities gains (losses) | $-6,000 | 8,424 |
| Applicable income taxes | $359,000 | 1,734 |
| Income before extraordinary items | $577,000 | 2,701 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $577,000 | 2,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,877 |
| Cash dividends | $350,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 391 |
| Net operating income | $580,840 | 2,641 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,220,000 | 2,776 |
| Total interest expense | $1,343,000 | 4,807 |
| Net interest income | $8,877,000 | 2,302 |
| Provision for loan and lease losses | $110,000 | 4,839 |
| Total noninterest income | $1,190,000 | 3,148 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $579,000 | 2,785 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $611,000 | 2,960 |
| Total noninterest expense | $7,060,000 | 2,266 |
| Salaries and employee benefits | $3,812,000 | 2,283 |
| Premises and equipment expense | $962,000 | 2,374 |
| Additional noninterest expense | $2,286,000 | 2,125 |
| Pre-tax net operating income | $2,897,000 | 2,668 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $1,076,000 | 2,037 |
| Income before extraordinary items | $1,822,000 | 3,157 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,822,000 | 3,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $698,000 | 2,980 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 627 |
| Net operating income | $1,821,360 | 3,095 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,384,000 | 2,837 |
| Total interest expense | $981,000 | 4,833 |
| Net interest income | $6,403,000 | 2,361 |
| Provision for loan and lease losses | $60,000 | 5,125 |
| Total noninterest income | $874,000 | 3,208 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $429,000 | 2,824 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $445,000 | 3,000 |
| Total noninterest expense | $5,180,000 | 2,297 |
| Salaries and employee benefits | $2,833,000 | 2,287 |
| Premises and equipment expense | $720,000 | 2,369 |
| Additional noninterest expense | $1,627,000 | 2,222 |
| Pre-tax net operating income | $2,037,000 | 2,833 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $750,000 | 2,204 |
| Income before extraordinary items | $1,287,000 | 3,370 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,287,000 | 3,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,796 |
| Cash dividends | $697,000 | 2,215 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 562 |
| Net operating income | $1,287,000 | 3,281 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,758,000 | 2,922 |
| Total interest expense | $641,000 | 4,906 |
| Net interest income | $4,117,000 | 2,431 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $633,000 | 3,053 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $279,000 | 2,869 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $354,000 | 2,707 |
| Total noninterest expense | $3,458,000 | 2,293 |
| Salaries and employee benefits | $1,890,000 | 2,288 |
| Premises and equipment expense | $485,000 | 2,350 |
| Additional noninterest expense | $1,083,000 | 2,231 |
| Pre-tax net operating income | $1,232,000 | 3,055 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $449,000 | 2,370 |
| Income before extraordinary items | $783,000 | 3,576 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $783,000 | 3,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $349,000 | 2,678 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 445 |
| Net operating income | $783,000 | 3,491 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,350,000 | 2,963 |
| Total interest expense | $318,000 | 4,996 |
| Net interest income | $2,032,000 | 2,458 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $368,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $130,000 | 2,974 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $238,000 | 2,201 |
| Total noninterest expense | $1,712,000 | 2,328 |
| Salaries and employee benefits | $947,000 | 2,300 |
| Premises and equipment expense | $245,000 | 2,355 |
| Additional noninterest expense | $520,000 | 2,278 |
| Pre-tax net operating income | $658,000 | 2,844 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $243,000 | 2,241 |
| Income before extraordinary items | $415,000 | 3,407 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $415,000 | 3,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $349,000 | 1,586 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 293 |
| Net operating income | $415,000 | 3,292 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,158,000 | 3,069 |
| Total interest expense | $1,324,000 | 5,274 |
| Net interest income | $7,834,000 | 2,472 |
| Provision for loan and lease losses | $115,000 | 5,108 |
| Total noninterest income | $1,312,000 | 3,115 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $591,000 | 2,723 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $721,000 | 2,912 |
| Total noninterest expense | $6,590,000 | 2,380 |
| Salaries and employee benefits | $3,569,000 | 2,369 |
| Premises and equipment expense | $949,000 | 2,371 |
| Additional noninterest expense | $2,072,000 | 2,329 |
| Pre-tax net operating income | $2,441,000 | 2,940 |
| Securities gains (losses) | $44,000 | 2,634 |
| Applicable income taxes | $873,000 | 2,375 |
| Income before extraordinary items | $1,612,000 | 3,377 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,612,000 | 3,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,740 |
| Cash dividends | $685,000 | 2,982 |
| Sale, conversion, retirement of capital stock, net | $280,000 | 553 |
| Net operating income | $1,583,400 | 3,262 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,815,000 | 3,127 |
| Total interest expense | $999,000 | 5,389 |
| Net interest income | $5,816,000 | 2,509 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $1,031,000 | 3,067 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $446,000 | 2,722 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $585,000 | 2,864 |
| Total noninterest expense | $4,846,000 | 2,440 |
| Salaries and employee benefits | $2,630,000 | 2,412 |
| Premises and equipment expense | $708,000 | 2,382 |
| Additional noninterest expense | $1,508,000 | 2,380 |
| Pre-tax net operating income | $1,911,000 | 2,938 |
| Securities gains (losses) | $44,000 | 2,422 |
| Applicable income taxes | $690,000 | 2,414 |
| Income before extraordinary items | $1,265,000 | 3,358 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,265,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,833 |
| Cash dividends | $685,000 | 2,209 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 482 |
| Net operating income | $1,236,400 | 3,252 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,523,000 | 3,155 |
| Total interest expense | $677,000 | 5,454 |
| Net interest income | $3,846,000 | 2,530 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $713,000 | 2,968 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $299,000 | 2,656 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $414,000 | 2,744 |
| Total noninterest expense | $3,200,000 | 2,455 |
| Salaries and employee benefits | $1,722,000 | 2,443 |
| Premises and equipment expense | $464,000 | 2,405 |
| Additional noninterest expense | $1,014,000 | 2,336 |
| Pre-tax net operating income | $1,299,000 | 2,912 |
| Securities gains (losses) | $44,000 | 2,102 |
| Applicable income taxes | $467,000 | 2,417 |
| Income before extraordinary items | $876,000 | 3,278 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $876,000 | 3,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,113 |
| Cash dividends | $339,000 | 2,711 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 466 |
| Net operating income | $847,400 | 3,178 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,189,000 | 3,251 |
| Total interest expense | $344,000 | 5,493 |
| Net interest income | $1,845,000 | 2,628 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $360,000 | 2,861 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $149,000 | 2,595 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $211,000 | 2,629 |
| Total noninterest expense | $1,573,000 | 2,468 |
| Salaries and employee benefits | $850,000 | 2,478 |
| Premises and equipment expense | $228,000 | 2,440 |
| Additional noninterest expense | $495,000 | 2,353 |
| Pre-tax net operating income | $602,000 | 3,071 |
| Securities gains (losses) | $44,000 | 1,461 |
| Applicable income taxes | $236,000 | 2,418 |
| Income before extraordinary items | $410,000 | 3,398 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $410,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $339,000 | 1,647 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 288 |
| Net operating income | $381,840 | 3,417 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,421,000 | 3,489 |
| Total interest expense | $1,614,000 | 5,499 |
| Net interest income | $6,807,000 | 2,801 |
| Provision for loan and lease losses | $30,000 | 7,191 |
| Total noninterest income | $1,089,000 | 3,293 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $574,000 | 2,659 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $515,000 | 3,232 |
| Total noninterest expense | $6,069,000 | 2,434 |
| Salaries and employee benefits | $3,218,000 | 2,461 |
| Premises and equipment expense | $926,000 | 2,343 |
| Additional noninterest expense | $1,925,000 | 2,394 |
| Pre-tax net operating income | $1,797,000 | 3,660 |
| Securities gains (losses) | $147,000 | 1,406 |
| Applicable income taxes | $673,000 | 2,928 |
| Income before extraordinary items | $1,271,000 | 3,937 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,271,000 | 3,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,624 |
| Cash dividends | $672,000 | 2,970 |
| Sale, conversion, retirement of capital stock, net | $174,000 | 580 |
| Net operating income | $1,175,450 | 4,039 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,885,000 | 3,682 |
| Total interest expense | $2,467,000 | 5,445 |
| Net interest income | $6,418,000 | 2,765 |
| Provision for loan and lease losses | $110,000 | 5,436 |
| Total noninterest income | $1,019,000 | 3,300 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $494,000 | 2,862 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $525,000 | 3,045 |
| Total noninterest expense | $5,122,000 | 2,772 |
| Salaries and employee benefits | $2,777,000 | 2,685 |
| Premises and equipment expense | $736,000 | 2,832 |
| Additional noninterest expense | $1,609,000 | 2,702 |
| Pre-tax net operating income | $2,205,000 | 2,946 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $797,000 | 2,432 |
| Income before extraordinary items | $1,408,000 | 3,386 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,408,000 | 3,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,796 |
| Cash dividends | $648,000 | 3,012 |
| Sale, conversion, retirement of capital stock, net | $87,000 | 674 |
| Net operating income | $1,408,000 | 3,287 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,094,000 | 3,695 |
| Total interest expense | $2,554,000 | 5,482 |
| Net interest income | $6,540,000 | 2,721 |
| Provision for loan and lease losses | $240,000 | 3,322 |
| Total noninterest income | $823,000 | 3,599 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $479,000 | 2,792 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $344,000 | 3,654 |
| Total noninterest expense | $4,670,000 | 2,904 |
| Salaries and employee benefits | $2,447,000 | 2,883 |
| Premises and equipment expense | $668,000 | 2,989 |
| Additional noninterest expense | $1,555,000 | 2,720 |
| Pre-tax net operating income | $2,453,000 | 2,805 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $918,000 | 2,283 |
| Income before extraordinary items | $1,535,000 | 3,198 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,535,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $565,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $-427,000 | 9,827 |
| Net operating income | $1,535,000 | 3,185 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,895,000 | 3,954 |
| Total interest expense | $2,191,000 | 5,663 |
| Net interest income | $5,704,000 | 3,055 |
| Provision for loan and lease losses | $150,000 | 4,234 |
| Total noninterest income | $921,000 | 3,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $509,000 | 2,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $412,000 | 3,349 |
| Total noninterest expense | $4,617,000 | 2,919 |
| Salaries and employee benefits | $2,273,000 | 3,058 |
| Premises and equipment expense | $672,000 | 2,964 |
| Additional noninterest expense | $1,672,000 | 2,574 |
| Pre-tax net operating income | $1,858,000 | 3,527 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $690,000 | 2,933 |
| Income before extraordinary items | $1,168,000 | 3,956 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,168,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,958 |
| Cash dividends | $574,000 | 3,255 |
| Sale, conversion, retirement of capital stock, net | $144,000 | 755 |
| Net operating income | $1,168,000 | 3,930 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,168,000 | 4,317 |
| Total interest expense | $2,136,000 | 5,948 |
| Net interest income | $5,032,000 | 3,364 |
| Provision for loan and lease losses | $75,000 | 5,712 |
| Total noninterest income | $781,000 | 3,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $452,000 | 2,802 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $329,000 | 3,820 |
| Total noninterest expense | $4,035,000 | 3,179 |
| Salaries and employee benefits | $2,002,000 | 3,333 |
| Premises and equipment expense | $572,000 | 3,311 |
| Additional noninterest expense | $1,461,000 | 2,846 |
| Pre-tax net operating income | $1,703,000 | 3,794 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $645,000 | 3,219 |
| Income before extraordinary items | $1,058,000 | 4,310 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,058,000 | 4,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,026 |
| Cash dividends | $501,000 | 3,492 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 669 |
| Net operating income | $1,058,000 | 4,216 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,624,000 | 4,709 |
| Total interest expense | $1,910,000 | 6,446 |
| Net interest income | $4,714,000 | 3,684 |
| Provision for loan and lease losses | $38,000 | 7,082 |
| Total noninterest income | $712,000 | 3,923 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $421,000 | 3,089 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $291,000 | 4,002 |
| Total noninterest expense | $3,853,000 | 3,283 |
| Salaries and employee benefits | $1,908,000 | 3,448 |
| Premises and equipment expense | $465,000 | 3,944 |
| Additional noninterest expense | $1,480,000 | 2,765 |
| Pre-tax net operating income | $1,535,000 | 4,411 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $600,000 | 3,668 |
| Income before extraordinary items | $935,000 | 4,928 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $935,000 | 4,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,402 |
| Cash dividends | $394,000 | 4,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $935,000 | 4,858 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,187,000 | 5,064 |
| Total interest expense | $1,859,000 | 6,715 |
| Net interest income | $4,328,000 | 4,012 |
| Provision for loan and lease losses | $21,000 | 7,918 |
| Total noninterest income | $795,000 | 3,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $430,000 | 3,124 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $365,000 | 3,597 |
| Total noninterest expense | $3,816,000 | 3,484 |
| Salaries and employee benefits | $1,888,000 | 3,520 |
| Premises and equipment expense | $467,000 | 3,997 |
| Additional noninterest expense | $1,461,000 | 3,191 |
| Pre-tax net operating income | $1,286,000 | 4,862 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $499,000 | 4,154 |
| Income before extraordinary items | $787,000 | 5,373 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $787,000 | 5,377 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,891 |
| Cash dividends | $220,000 | 5,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $787,000 | 5,311 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,162,000 | 5,088 |
| Total interest expense | $1,671,000 | 7,217 |
| Net interest income | $4,491,000 | 3,909 |
| Provision for loan and lease losses | $255,000 | 2,517 |
| Total noninterest income | $675,000 | 4,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $442,000 | 3,055 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,691 |
| Total noninterest expense | $4,125,000 | 3,227 |
| Salaries and employee benefits | $1,904,000 | 3,458 |
| Premises and equipment expense | $494,000 | 3,798 |
| Additional noninterest expense | $1,727,000 | 2,715 |
| Pre-tax net operating income | $786,000 | 6,891 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $258,000 | 6,532 |
| Income before extraordinary items | $528,000 | 7,040 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $528,000 | 7,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,253 |
| Cash dividends | $75,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $528,000 | 7,017 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,351,000 | 6,307 |
| Total interest expense | $1,123,000 | 8,202 |
| Net interest income | $3,228,000 | 5,286 |
| Provision for loan and lease losses | $38,000 | 6,695 |
| Total noninterest income | $577,000 | 4,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $402,000 | 3,361 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 5,718 |
| Total noninterest expense | $3,027,000 | 4,372 |
| Salaries and employee benefits | $1,352,000 | 4,713 |
| Premises and equipment expense | $391,000 | 4,674 |
| Additional noninterest expense | $1,284,000 | 3,812 |
| Pre-tax net operating income | $740,000 | 7,193 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $307,000 | 5,793 |
| Income before extraordinary items | $433,000 | 7,869 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $433,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,075 |
| Cash dividends | $66,000 | 7,598 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 994 |
| Net operating income | $433,000 | 7,925 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,000,000 | 6,878 |
| Total interest expense | $1,364,000 | 7,660 |
| Net interest income | $2,636,000 | 6,279 |
| Provision for loan and lease losses | $302,000 | 2,963 |
| Total noninterest income | $524,000 | 5,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $389,000 | 3,534 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,905 |
| Total noninterest expense | $2,568,000 | 5,154 |
| Salaries and employee benefits | $1,148,000 | 5,438 |
| Premises and equipment expense | $323,000 | 5,544 |
| Additional noninterest expense | $1,097,000 | 4,545 |
| Pre-tax net operating income | $290,000 | 10,321 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $116,000 | 9,390 |
| Income before extraordinary items | $174,000 | 10,935 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $174,000 | 11,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $272,000 | 2,604 |
| Cash dividends | $65,000 | 7,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $174,000 | 10,734 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,969,000 | 7,549 |
| Total interest expense | $1,619,000 | 8,138 |
| Net interest income | $2,350,000 | 6,889 |
| Provision for loan and lease losses | $467,000 | 3,154 |
| Total noninterest income | $482,000 | 5,790 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,740 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 7,695 |
| Total noninterest expense | $2,311,000 | 5,664 |
| Salaries and employee benefits | $1,138,000 | 5,430 |
| Premises and equipment expense | $351,000 | 5,357 |
| Additional noninterest expense | $822,000 | 5,938 |
| Pre-tax net operating income | $54,000 | 12,387 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $13,000 | 12,284 |
| Income before extraordinary items | $41,000 | 12,631 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $41,000 | 12,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $579,000 | 2,222 |
| Cash dividends | $32,000 | 8,174 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,141 |
| Net operating income | $41,000 | 12,379 |
* 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.