Home > Security Exchange Bank > Income and Expense
Security Exchange Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $974,000 | 5,107 |
| Total interest expense | $417,000 | 2,783 |
| Net interest income | $557,000 | 5,842 |
| Provision for loan and lease losses | $79,000 | 3,154 |
| Total noninterest income | $361,000 | 2,632 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $9,000 | 6,588 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $352,000 | 1,917 |
| Total noninterest expense | $1,120,000 | 3,819 |
| Salaries and employee benefits | $382,000 | 4,893 |
| Premises and equipment expense | $63,000 | 5,405 |
| Additional noninterest expense | $675,000 | 2,371 |
| Pre-tax net operating income | $-281,000 | 6,930 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $-281,000 | 6,973 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-281,000 | 6,973 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-281,000 | 6,973 |
| Net charge-offs | $681,000 | 886 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-281,000 | 6,941 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,699,000 | 4,226 |
| Total interest expense | $2,342,000 | 2,444 |
| Net interest income | $3,357,000 | 5,008 |
| Provision for loan and lease losses | $458,000 | 3,571 |
| Total noninterest income | $-1,950,000 | 7,296 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $48,000 | 6,359 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-1,998,000 | 7,274 |
| Total noninterest expense | $5,084,000 | 3,493 |
| Salaries and employee benefits | $1,583,000 | 4,824 |
| Premises and equipment expense | $241,000 | 5,682 |
| Additional noninterest expense | $3,260,000 | 2,048 |
| Pre-tax net operating income | $-4,135,000 | 7,004 |
| Securities gains (losses) | $781,000 | 557 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $-3,354,000 | 6,979 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,354,000 | 6,980 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,354,000 | 6,980 |
| Net charge-offs | $1,070,000 | 2,276 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-4,135,000 | 7,006 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,470,000 | 4,121 |
| Total interest expense | $1,863,000 | 2,422 |
| Net interest income | $2,607,000 | 4,943 |
| Provision for loan and lease losses | $365,000 | 3,342 |
| Total noninterest income | $-716,000 | 7,332 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $40,000 | 6,308 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-756,000 | 7,291 |
| Total noninterest expense | $3,801,000 | 3,509 |
| Salaries and employee benefits | $1,214,000 | 4,748 |
| Premises and equipment expense | $180,000 | 5,746 |
| Additional noninterest expense | $2,407,000 | 2,069 |
| Pre-tax net operating income | $-2,275,000 | 7,036 |
| Securities gains (losses) | $287,000 | 952 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-1,988,000 | 7,060 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,988,000 | 7,061 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,988,000 | 7,061 |
| Net charge-offs | $844,000 | 2,082 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-2,275,000 | 7,072 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,969,000 | 4,175 |
| Total interest expense | $1,313,000 | 2,384 |
| Net interest income | $1,656,000 | 5,083 |
| Provision for loan and lease losses | $365,000 | 2,714 |
| Total noninterest income | $-940,000 | 7,449 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $28,000 | 6,269 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-968,000 | 7,434 |
| Total noninterest expense | $2,449,000 | 3,631 |
| Salaries and employee benefits | $835,000 | 4,709 |
| Premises and equipment expense | $120,000 | 5,770 |
| Additional noninterest expense | $1,494,000 | 2,243 |
| Pre-tax net operating income | $-2,098,000 | 7,183 |
| Securities gains (losses) | $58,000 | 1,504 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,040,000 | 7,210 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,040,000 | 7,211 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,040,000 | 7,211 |
| Net charge-offs | $641,000 | 1,883 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,098,000 | 7,206 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,503,000 | 4,156 |
| Total interest expense | $705,000 | 2,301 |
| Net interest income | $798,000 | 5,180 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $-35,000 | 7,376 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $16,000 | 6,075 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-51,000 | 7,302 |
| Total noninterest expense | $1,116,000 | 3,895 |
| Salaries and employee benefits | $427,000 | 4,683 |
| Premises and equipment expense | $61,000 | 5,802 |
| Additional noninterest expense | $628,000 | 2,630 |
| Pre-tax net operating income | $-353,000 | 6,992 |
| Securities gains (losses) | $29,000 | 968 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-324,000 | 7,004 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-324,000 | 7,004 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-324,000 | 7,004 |
| Net charge-offs | $301,000 | 1,748 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-353,000 | 7,029 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,623,000 | 4,052 |
| Total interest expense | $3,924,000 | 2,032 |
| Net interest income | $2,699,000 | 5,597 |
| Provision for loan and lease losses | $1,016,000 | 3,019 |
| Total noninterest income | $-669,000 | 7,510 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $95,000 | 5,546 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-764,000 | 7,457 |
| Total noninterest expense | $4,528,000 | 3,881 |
| Salaries and employee benefits | $1,626,000 | 4,825 |
| Premises and equipment expense | $256,000 | 5,759 |
| Additional noninterest expense | $2,646,000 | 2,547 |
| Pre-tax net operating income | $-3,514,000 | 6,987 |
| Securities gains (losses) | $440,000 | 985 |
| Applicable income taxes | $-3,000 | 6,510 |
| Income before extraordinary items | $-3,071,000 | 7,008 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,071,000 | 7,008 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,071,000 | 7,009 |
| Net charge-offs | $2,743,000 | 1,548 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,511,000 | 7,033 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,998,000 | 4,113 |
| Total interest expense | $3,087,000 | 2,027 |
| Net interest income | $1,911,000 | 5,809 |
| Provision for loan and lease losses | $1,016,000 | 2,480 |
| Total noninterest income | $327,000 | 4,892 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $74,000 | 5,590 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $253,000 | 3,822 |
| Total noninterest expense | $3,398,000 | 3,882 |
| Salaries and employee benefits | $1,224,000 | 4,845 |
| Premises and equipment expense | $195,000 | 5,778 |
| Additional noninterest expense | $1,979,000 | 2,508 |
| Pre-tax net operating income | $-2,176,000 | 7,097 |
| Securities gains (losses) | $421,000 | 855 |
| Applicable income taxes | $-3,000 | 6,790 |
| Income before extraordinary items | $-1,752,000 | 7,094 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,752,000 | 7,092 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,752,000 | 7,094 |
| Net charge-offs | $1,650,000 | 1,691 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,173,000 | 7,145 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,742,000 | 3,836 |
| Total interest expense | $2,154,000 | 2,014 |
| Net interest income | $1,588,000 | 5,279 |
| Provision for loan and lease losses | $349,000 | 3,405 |
| Total noninterest income | $28,000 | 7,227 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $55,000 | 5,455 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-27,000 | 7,405 |
| Total noninterest expense | $2,254,000 | 3,901 |
| Salaries and employee benefits | $838,000 | 4,799 |
| Premises and equipment expense | $132,000 | 5,782 |
| Additional noninterest expense | $1,284,000 | 2,569 |
| Pre-tax net operating income | $-987,000 | 7,007 |
| Securities gains (losses) | $77,000 | 1,608 |
| Applicable income taxes | $-3,000 | 6,868 |
| Income before extraordinary items | $-907,000 | 7,056 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-907,000 | 7,056 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-907,000 | 7,056 |
| Net charge-offs | $459,000 | 2,544 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-984,000 | 7,058 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 3,777 |
| Total interest expense | $1,148,000 | 1,995 |
| Net interest income | $800,000 | 5,294 |
| Provision for loan and lease losses | $-221,000 | 7,902 |
| Total noninterest income | $-127,000 | 7,820 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $28,000 | 5,463 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-155,000 | 7,780 |
| Total noninterest expense | $1,111,000 | 3,975 |
| Salaries and employee benefits | $422,000 | 4,840 |
| Premises and equipment expense | $71,000 | 5,721 |
| Additional noninterest expense | $618,000 | 2,636 |
| Pre-tax net operating income | $-217,000 | 6,859 |
| Securities gains (losses) | $41,000 | 1,226 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-176,000 | 6,899 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-176,000 | 6,900 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-176,000 | 6,899 |
| Net charge-offs | $398,000 | 1,784 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-217,000 | 6,921 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,020,000 | 3,816 |
| Total interest expense | $6,097,000 | 1,899 |
| Net interest income | $1,923,000 | 6,433 |
| Provision for loan and lease losses | $5,999,000 | 1,241 |
| Total noninterest income | $-263,000 | 7,841 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $102,000 | 5,725 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-365,000 | 7,758 |
| Total noninterest expense | $3,802,000 | 4,478 |
| Salaries and employee benefits | $1,600,000 | 5,009 |
| Premises and equipment expense | $277,000 | 5,825 |
| Additional noninterest expense | $1,925,000 | 3,409 |
| Pre-tax net operating income | $-8,141,000 | 7,409 |
| Securities gains (losses) | $224,000 | 1,469 |
| Applicable income taxes | $-1,390,000 | 7,398 |
| Income before extraordinary items | $-6,527,000 | 7,397 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,527,000 | 7,395 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,527,000 | 7,395 |
| Net charge-offs | $3,976,000 | 1,346 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,218 |
| Net operating income | $-6,710,680 | 7,423 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,157,000 | 3,787 |
| Total interest expense | $4,704,000 | 1,931 |
| Net interest income | $1,453,000 | 6,451 |
| Provision for loan and lease losses | $3,141,000 | 1,444 |
| Total noninterest income | $-69,000 | 7,902 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $74,000 | 5,821 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-143,000 | 7,842 |
| Total noninterest expense | $2,453,000 | 4,935 |
| Salaries and employee benefits | $1,239,000 | 4,951 |
| Premises and equipment expense | $209,000 | 5,863 |
| Additional noninterest expense | $1,005,000 | 4,365 |
| Pre-tax net operating income | $-4,210,000 | 7,433 |
| Securities gains (losses) | $158,000 | 1,471 |
| Applicable income taxes | $-600,000 | 7,392 |
| Income before extraordinary items | $-3,452,000 | 7,430 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,452,000 | 7,430 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,452,000 | 7,430 |
| Net charge-offs | $1,920,000 | 1,537 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 1,137 |
| Net operating income | $-3,586,300 | 7,451 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,212,000 | 3,765 |
| Total interest expense | $3,183,000 | 1,992 |
| Net interest income | $1,029,000 | 6,326 |
| Provision for loan and lease losses | $775,000 | 2,368 |
| Total noninterest income | $20,000 | 7,685 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $46,000 | 5,925 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-26,000 | 7,867 |
| Total noninterest expense | $1,486,000 | 5,278 |
| Salaries and employee benefits | $839,000 | 4,949 |
| Premises and equipment expense | $141,000 | 5,887 |
| Additional noninterest expense | $506,000 | 5,223 |
| Pre-tax net operating income | $-1,212,000 | 7,123 |
| Securities gains (losses) | $126,000 | 1,320 |
| Applicable income taxes | $-415,000 | 7,529 |
| Income before extraordinary items | $-671,000 | 6,922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-671,000 | 6,922 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-671,000 | 6,922 |
| Net charge-offs | $517,000 | 2,314 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,093 |
| Net operating income | $-751,640 | 6,973 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,156,000 | 3,736 |
| Total interest expense | $1,609,000 | 2,042 |
| Net interest income | $547,000 | 6,199 |
| Provision for loan and lease losses | $515,000 | 1,742 |
| Total noninterest income | $36,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $24,000 | 5,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $12,000 | 6,706 |
| Total noninterest expense | $738,000 | 5,226 |
| Salaries and employee benefits | $422,000 | 4,979 |
| Premises and equipment expense | $73,000 | 5,857 |
| Additional noninterest expense | $243,000 | 5,023 |
| Pre-tax net operating income | $-670,000 | 7,462 |
| Securities gains (losses) | $41,000 | 1,384 |
| Applicable income taxes | $-240,000 | 7,755 |
| Income before extraordinary items | $-389,000 | 7,326 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-389,000 | 7,327 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-389,000 | 7,327 |
| Net charge-offs | $329,000 | 1,692 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 980 |
| Net operating income | $-415,240 | 7,326 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,405,000 | 3,427 |
| Total interest expense | $6,485,000 | 2,346 |
| Net interest income | $3,920,000 | 4,638 |
| Provision for loan and lease losses | $3,015,000 | 1,387 |
| Total noninterest income | $-303,000 | 8,213 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $119,000 | 5,662 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-422,000 | 8,210 |
| Total noninterest expense | $3,450,000 | 4,687 |
| Salaries and employee benefits | $2,009,000 | 4,432 |
| Premises and equipment expense | $292,000 | 5,859 |
| Additional noninterest expense | $1,149,000 | 4,425 |
| Pre-tax net operating income | $-2,848,000 | 7,555 |
| Securities gains (losses) | $4,000 | 2,823 |
| Applicable income taxes | $-1,085,000 | 7,731 |
| Income before extraordinary items | $-1,759,000 | 7,306 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,759,000 | 7,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,995,000 | 1,290 |
| Cash dividends | $125,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $80,000 | 1,029 |
| Net operating income | $-1,761,560 | 7,404 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,892,000 | 3,455 |
| Total interest expense | $4,804,000 | 2,464 |
| Net interest income | $3,088,000 | 4,532 |
| Provision for loan and lease losses | $2,770,000 | 949 |
| Total noninterest income | $-371,000 | 8,329 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $79,000 | 5,863 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-450,000 | 8,334 |
| Total noninterest expense | $2,600,000 | 4,662 |
| Salaries and employee benefits | $1,507,000 | 4,458 |
| Premises and equipment expense | $214,000 | 5,932 |
| Additional noninterest expense | $879,000 | 4,279 |
| Pre-tax net operating income | $-2,653,000 | 7,968 |
| Securities gains (losses) | $4,000 | 2,700 |
| Applicable income taxes | $-1,008,000 | 8,048 |
| Income before extraordinary items | $-1,641,000 | 7,762 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,641,000 | 7,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,810,000 | 884 |
| Cash dividends | $125,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $72,000 | 868 |
| Net operating income | $-1,643,560 | 7,849 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,567,000 | 3,361 |
| Total interest expense | $3,235,000 | 2,534 |
| Net interest income | $2,332,000 | 4,159 |
| Provision for loan and lease losses | $852,000 | 1,357 |
| Total noninterest income | $-275,000 | 8,412 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $52,000 | 5,887 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $-327,000 | 8,414 |
| Total noninterest expense | $1,687,000 | 4,766 |
| Salaries and employee benefits | $1,005,000 | 4,504 |
| Premises and equipment expense | $141,000 | 5,996 |
| Additional noninterest expense | $541,000 | 4,501 |
| Pre-tax net operating income | $-482,000 | 7,588 |
| Securities gains (losses) | $4,000 | 2,798 |
| Applicable income taxes | $-186,000 | 7,968 |
| Income before extraordinary items | $-292,000 | 7,513 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-292,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,885 |
| Cash dividends | $125,000 | 3,902 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,019 |
| Net operating income | $-294,560 | 7,498 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,897,000 | 3,324 |
| Total interest expense | $1,685,000 | 2,601 |
| Net interest income | $1,212,000 | 4,080 |
| Provision for loan and lease losses | $54,000 | 3,716 |
| Total noninterest income | $45,000 | 6,809 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $21,000 | 6,395 |
| Total noninterest expense | $864,000 | 4,710 |
| Salaries and employee benefits | $546,000 | 4,253 |
| Premises and equipment expense | $71,000 | 6,004 |
| Additional noninterest expense | $247,000 | 4,727 |
| Pre-tax net operating income | $339,000 | 3,879 |
| Securities gains (losses) | $4,000 | 2,294 |
| Applicable income taxes | $127,000 | 2,519 |
| Income before extraordinary items | $216,000 | 4,506 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $216,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $125,000 | 2,728 |
| Sale, conversion, retirement of capital stock, net | $4,000 | 922 |
| Net operating income | $213,440 | 4,439 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $12,441,000 | 3,185 |
| Total interest expense | $6,843,000 | 2,692 |
| Net interest income | $5,598,000 | 3,693 |
| Provision for loan and lease losses | $388,000 | 2,746 |
| Total noninterest income | $102,000 | 7,535 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $72,000 | 6,409 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $30,000 | 7,542 |
| Total noninterest expense | $2,977,000 | 5,025 |
| Salaries and employee benefits | $1,885,000 | 4,593 |
| Premises and equipment expense | $295,000 | 5,813 |
| Additional noninterest expense | $797,000 | 5,357 |
| Pre-tax net operating income | $2,335,000 | 2,975 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $872,000 | 2,032 |
| Income before extraordinary items | $1,463,000 | 3,505 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,463,000 | 3,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,283 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 865 |
| Net operating income | $1,463,000 | 3,491 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $9,248,000 | 3,217 |
| Total interest expense | $5,057,000 | 2,719 |
| Net interest income | $4,191,000 | 3,701 |
| Provision for loan and lease losses | $300,000 | 2,302 |
| Total noninterest income | $67,000 | 7,716 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $54,000 | 6,449 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $13,000 | 7,921 |
| Total noninterest expense | $2,245,000 | 4,986 |
| Salaries and employee benefits | $1,445,000 | 4,499 |
| Premises and equipment expense | $219,000 | 5,843 |
| Additional noninterest expense | $581,000 | 5,400 |
| Pre-tax net operating income | $1,713,000 | 3,192 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $639,000 | 2,202 |
| Income before extraordinary items | $1,074,000 | 3,718 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,074,000 | 3,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,450 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 779 |
| Net operating income | $1,074,000 | 3,706 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,034,000 | 3,275 |
| Total interest expense | $3,286,000 | 2,773 |
| Net interest income | $2,748,000 | 3,774 |
| Provision for loan and lease losses | $232,000 | 1,948 |
| Total noninterest income | $68,000 | 7,336 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $35,000 | 6,515 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $1,505,000 | 4,996 |
| Salaries and employee benefits | $973,000 | 4,496 |
| Premises and equipment expense | $147,000 | 5,868 |
| Additional noninterest expense | $385,000 | 5,417 |
| Pre-tax net operating income | $1,079,000 | 3,356 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $402,000 | 2,374 |
| Income before extraordinary items | $677,000 | 3,900 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $677,000 | 3,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $86,000 | 632 |
| Net operating income | $677,000 | 3,888 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,927,000 | 3,348 |
| Total interest expense | $1,590,000 | 2,841 |
| Net interest income | $1,337,000 | 3,845 |
| Provision for loan and lease losses | $130,000 | 1,659 |
| Total noninterest income | $30,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $724,000 | 5,138 |
| Salaries and employee benefits | $487,000 | 4,530 |
| Premises and equipment expense | $72,000 | 5,967 |
| Additional noninterest expense | $165,000 | 5,838 |
| Pre-tax net operating income | $513,000 | 3,470 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $191,000 | 2,458 |
| Income before extraordinary items | $322,000 | 4,008 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $322,000 | 4,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,389 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 397 |
| Net operating income | $322,000 | 3,989 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,481,000 | 3,730 |
| Total interest expense | $4,773,000 | 3,147 |
| Net interest income | $4,708,000 | 4,205 |
| Provision for loan and lease losses | $398,000 | 2,287 |
| Total noninterest income | $239,000 | 6,608 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $73,000 | 6,538 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $166,000 | 5,449 |
| Total noninterest expense | $2,836,000 | 5,075 |
| Salaries and employee benefits | $1,884,000 | 4,475 |
| Premises and equipment expense | $281,000 | 5,906 |
| Additional noninterest expense | $671,000 | 5,760 |
| Pre-tax net operating income | $1,713,000 | 3,996 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $656,000 | 2,758 |
| Income before extraordinary items | $1,057,000 | 4,593 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,057,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,967 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $227,000 | 740 |
| Net operating income | $1,057,000 | 4,583 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,768,000 | 3,835 |
| Total interest expense | $3,375,000 | 3,201 |
| Net interest income | $3,393,000 | 4,356 |
| Provision for loan and lease losses | $306,000 | 2,114 |
| Total noninterest income | $213,000 | 6,339 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $55,000 | 6,616 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $158,000 | 5,034 |
| Total noninterest expense | $2,120,000 | 5,069 |
| Salaries and employee benefits | $1,411,000 | 4,450 |
| Premises and equipment expense | $212,000 | 5,907 |
| Additional noninterest expense | $497,000 | 5,792 |
| Pre-tax net operating income | $1,180,000 | 4,337 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $442,000 | 3,036 |
| Income before extraordinary items | $738,000 | 4,891 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $738,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,074 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $738,000 | 4,879 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 3,988 |
| Total interest expense | $2,077,000 | 3,276 |
| Net interest income | $2,125,000 | 4,532 |
| Provision for loan and lease losses | $178,000 | 2,331 |
| Total noninterest income | $186,000 | 5,799 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $36,000 | 6,669 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $150,000 | 4,318 |
| Total noninterest expense | $1,377,000 | 5,182 |
| Salaries and employee benefits | $916,000 | 4,550 |
| Premises and equipment expense | $139,000 | 5,966 |
| Additional noninterest expense | $322,000 | 5,862 |
| Pre-tax net operating income | $756,000 | 4,448 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $283,000 | 3,127 |
| Income before extraordinary items | $473,000 | 5,020 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $473,000 | 5,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $473,000 | 5,007 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 4,064 |
| Total interest expense | $947,000 | 3,392 |
| Net interest income | $1,067,000 | 4,515 |
| Provision for loan and lease losses | $81,000 | 2,323 |
| Total noninterest income | $164,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $145,000 | 3,030 |
| Total noninterest expense | $691,000 | 5,170 |
| Salaries and employee benefits | $449,000 | 4,646 |
| Premises and equipment expense | $69,000 | 5,991 |
| Additional noninterest expense | $173,000 | 5,628 |
| Pre-tax net operating income | $459,000 | 3,948 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $172,000 | 2,826 |
| Income before extraordinary items | $287,000 | 4,529 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $287,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $287,000 | 4,512 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,989,000 | 4,151 |
| Total interest expense | $2,916,000 | 3,417 |
| Net interest income | $4,073,000 | 4,569 |
| Provision for loan and lease losses | $331,000 | 2,620 |
| Total noninterest income | $100,000 | 7,941 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $85,000 | 6,496 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,273 |
| Total noninterest expense | $2,288,000 | 5,658 |
| Salaries and employee benefits | $1,512,000 | 5,019 |
| Premises and equipment expense | $205,000 | 6,681 |
| Additional noninterest expense | $571,000 | 6,210 |
| Pre-tax net operating income | $1,554,000 | 4,286 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $554,000 | 3,192 |
| Income before extraordinary items | $1,000,000 | 4,845 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,000,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,495 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 809 |
| Net operating income | $1,000,000 | 4,814 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,025,000 | 4,227 |
| Total interest expense | $2,054,000 | 3,445 |
| Net interest income | $2,971,000 | 4,677 |
| Provision for loan and lease losses | $302,000 | 2,181 |
| Total noninterest income | $67,000 | 8,085 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $57,000 | 6,690 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $10,000 | 8,374 |
| Total noninterest expense | $1,631,000 | 5,791 |
| Salaries and employee benefits | $1,089,000 | 5,135 |
| Premises and equipment expense | $149,000 | 6,734 |
| Additional noninterest expense | $393,000 | 6,409 |
| Pre-tax net operating income | $1,105,000 | 4,524 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $398,000 | 3,333 |
| Income before extraordinary items | $707,000 | 5,068 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $707,000 | 5,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,846 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $707,000 | 5,027 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,210,000 | 4,295 |
| Total interest expense | $1,264,000 | 3,499 |
| Net interest income | $1,946,000 | 4,707 |
| Provision for loan and lease losses | $246,000 | 1,811 |
| Total noninterest income | $43,000 | 8,121 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $37,000 | 6,721 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $6,000 | 8,403 |
| Total noninterest expense | $1,092,000 | 5,763 |
| Salaries and employee benefits | $715,000 | 5,177 |
| Premises and equipment expense | $98,000 | 6,741 |
| Additional noninterest expense | $279,000 | 6,210 |
| Pre-tax net operating income | $651,000 | 4,794 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $233,000 | 3,526 |
| Income before extraordinary items | $418,000 | 5,330 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $418,000 | 5,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 1,332 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $418,000 | 5,295 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,519,000 | 4,447 |
| Total interest expense | $572,000 | 3,642 |
| Net interest income | $947,000 | 4,801 |
| Provision for loan and lease losses | $85,000 | 2,331 |
| Total noninterest income | $22,000 | 8,118 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $19,000 | 6,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $542,000 | 5,821 |
| Salaries and employee benefits | $357,000 | 5,220 |
| Premises and equipment expense | $51,000 | 6,715 |
| Additional noninterest expense | $134,000 | 6,370 |
| Pre-tax net operating income | $342,000 | 4,652 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $123,000 | 3,424 |
| Income before extraordinary items | $219,000 | 5,184 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $219,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,325 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $219,000 | 5,156 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,124,000 | 4,760 |
| Total interest expense | $1,626,000 | 4,283 |
| Net interest income | $3,498,000 | 4,899 |
| Provision for loan and lease losses | $241,000 | 3,310 |
| Total noninterest income | $123,000 | 7,868 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $119,000 | 6,186 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,000 | 8,722 |
| Total noninterest expense | $1,865,000 | 6,253 |
| Salaries and employee benefits | $1,178,000 | 5,742 |
| Premises and equipment expense | $206,000 | 6,689 |
| Additional noninterest expense | $481,000 | 6,660 |
| Pre-tax net operating income | $1,515,000 | 4,226 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $543,000 | 3,199 |
| Income before extraordinary items | $973,000 | 4,776 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $973,000 | 4,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,704 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 784 |
| Net operating income | $972,360 | 4,708 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,655,000 | 4,911 |
| Total interest expense | $1,129,000 | 4,467 |
| Net interest income | $2,526,000 | 5,027 |
| Provision for loan and lease losses | $94,000 | 4,388 |
| Total noninterest income | $98,000 | 7,826 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $97,000 | 6,103 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000 | 8,861 |
| Total noninterest expense | $1,343,000 | 6,338 |
| Salaries and employee benefits | $855,000 | 5,813 |
| Premises and equipment expense | $150,000 | 6,731 |
| Additional noninterest expense | $338,000 | 6,812 |
| Pre-tax net operating income | $1,187,000 | 4,178 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $427,000 | 3,194 |
| Income before extraordinary items | $761,000 | 4,752 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $761,000 | 4,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 5,128 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 654 |
| Net operating income | $760,360 | 4,666 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,323,000 | 5,083 |
| Total interest expense | $704,000 | 4,652 |
| Net interest income | $1,619,000 | 5,160 |
| Provision for loan and lease losses | $71,000 | 4,092 |
| Total noninterest income | $76,000 | 7,672 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,495 |
| Total noninterest expense | $848,000 | 6,555 |
| Salaries and employee benefits | $535,000 | 6,054 |
| Premises and equipment expense | $95,000 | 6,896 |
| Additional noninterest expense | $218,000 | 6,931 |
| Pre-tax net operating income | $776,000 | 4,193 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $279,000 | 3,199 |
| Income before extraordinary items | $498,000 | 4,755 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $498,000 | 4,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 550 |
| Net operating income | $497,360 | 4,662 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 5,287 |
| Total interest expense | $330,000 | 4,886 |
| Net interest income | $765,000 | 5,361 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $40,000 | 7,603 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $37,000 | 5,836 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $426,000 | 6,582 |
| Salaries and employee benefits | $262,000 | 6,167 |
| Premises and equipment expense | $45,000 | 7,009 |
| Additional noninterest expense | $119,000 | 6,689 |
| Pre-tax net operating income | $319,000 | 4,674 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $114,000 | 3,563 |
| Income before extraordinary items | $206,000 | 5,263 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $206,000 | 5,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 373 |
| Net operating income | $205,360 | 5,153 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 5,577 |
| Total interest expense | $1,317,000 | 5,289 |
| Net interest income | $2,763,000 | 5,574 |
| Provision for loan and lease losses | $275,000 | 3,362 |
| Total noninterest income | $200,000 | 7,356 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $167,000 | 5,657 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $33,000 | 8,018 |
| Total noninterest expense | $1,452,000 | 6,979 |
| Salaries and employee benefits | $894,000 | 6,611 |
| Premises and equipment expense | $170,000 | 7,137 |
| Additional noninterest expense | $388,000 | 7,231 |
| Pre-tax net operating income | $1,236,000 | 4,613 |
| Securities gains (losses) | $69,000 | 2,220 |
| Applicable income taxes | $451,000 | 3,563 |
| Income before extraordinary items | $854,000 | 5,068 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $854,000 | 5,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,824 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 753 |
| Net operating income | $809,150 | 5,052 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,046,000 | 5,660 |
| Total interest expense | $1,018,000 | 5,327 |
| Net interest income | $2,028,000 | 5,674 |
| Provision for loan and lease losses | $236,000 | 2,975 |
| Total noninterest income | $138,000 | 7,529 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $120,000 | 5,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,330 |
| Total noninterest expense | $1,063,000 | 7,042 |
| Salaries and employee benefits | $650,000 | 6,695 |
| Premises and equipment expense | $128,000 | 7,145 |
| Additional noninterest expense | $285,000 | 7,273 |
| Pre-tax net operating income | $867,000 | 4,932 |
| Securities gains (losses) | $69,000 | 2,046 |
| Applicable income taxes | $343,000 | 3,680 |
| Income before extraordinary items | $593,000 | 5,431 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $593,000 | 5,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 592 |
| Net operating income | $548,840 | 5,440 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,001,000 | 5,749 |
| Total interest expense | $702,000 | 5,331 |
| Net interest income | $1,299,000 | 5,801 |
| Provision for loan and lease losses | $186,000 | 2,627 |
| Total noninterest income | $88,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $78,000 | 5,817 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $690,000 | 7,140 |
| Salaries and employee benefits | $427,000 | 6,767 |
| Premises and equipment expense | $85,000 | 7,152 |
| Additional noninterest expense | $178,000 | 7,425 |
| Pre-tax net operating income | $511,000 | 5,263 |
| Securities gains (losses) | $51,000 | 2,000 |
| Applicable income taxes | $206,000 | 3,907 |
| Income before extraordinary items | $356,000 | 5,685 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $356,000 | 5,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 457 |
| Net operating income | $323,360 | 5,725 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $978,000 | 5,845 |
| Total interest expense | $357,000 | 5,395 |
| Net interest income | $621,000 | 5,945 |
| Provision for loan and lease losses | $159,000 | 1,626 |
| Total noninterest income | $42,000 | 7,669 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $344,000 | 7,168 |
| Salaries and employee benefits | $211,000 | 6,813 |
| Premises and equipment expense | $47,000 | 6,953 |
| Additional noninterest expense | $86,000 | 7,511 |
| Pre-tax net operating income | $160,000 | 6,337 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $57,000 | 4,911 |
| Income before extraordinary items | $103,000 | 6,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $35,000 | 283 |
| Net operating income | $103,000 | 6,674 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,907,000 | 6,947 |
| Total interest expense | $1,116,000 | 6,636 |
| Net interest income | $1,791,000 | 6,975 |
| Provision for loan and lease losses | $202,000 | 4,327 |
| Total noninterest income | $212,000 | 7,192 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $158,000 | 5,732 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $54,000 | 7,501 |
| Total noninterest expense | $1,186,000 | 7,497 |
| Salaries and employee benefits | $746,000 | 7,099 |
| Premises and equipment expense | $168,000 | 7,198 |
| Additional noninterest expense | $272,000 | 8,010 |
| Pre-tax net operating income | $615,000 | 6,373 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $13,000 | 7,204 |
| Income before extraordinary items | $634,000 | 5,826 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $634,000 | 5,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 769 |
| Net operating income | $602,640 | 5,813 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,573,000 | 8,666 |
| Total interest expense | $573,000 | 8,881 |
| Net interest income | $1,000,000 | 8,285 |
| Provision for loan and lease losses | $173,000 | 4,499 |
| Total noninterest income | $110,000 | 8,362 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $90,000 | 6,770 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $20,000 | 8,732 |
| Total noninterest expense | $1,079,000 | 7,753 |
| Salaries and employee benefits | $634,000 | 7,509 |
| Premises and equipment expense | $156,000 | 7,420 |
| Additional noninterest expense | $289,000 | 7,943 |
| Pre-tax net operating income | $-142,000 | 8,909 |
| Securities gains (losses) | $10,000 | 3,593 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-132,000 | 8,986 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-132,000 | 8,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-142,000 | 8,937 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $726,000 | 9,575 |
| Total interest expense | $184,000 | 9,675 |
| Net interest income | $542,000 | 9,387 |
| Provision for loan and lease losses | $89,000 | 5,579 |
| Total noninterest income | $20,000 | 9,671 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $14,000 | 8,357 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,605 |
| Total noninterest expense | $954,000 | 8,143 |
| Salaries and employee benefits | $514,000 | 8,179 |
| Premises and equipment expense | $154,000 | 7,532 |
| Additional noninterest expense | $286,000 | 8,058 |
| Pre-tax net operating income | $-481,000 | 9,522 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-481,000 | 9,557 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-481,000 | 9,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,857,000 | 99 |
| Net operating income | $-481,000 | 9,558 |
* 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.