Home > Seneca National Bank > Income and Expense
Seneca National Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $828,000 | 5,461 |
| Total interest expense | $168,000 | 4,852 |
| Net interest income | $660,000 | 5,510 |
| Provision for loan and lease losses | $60,000 | 3,447 |
| Total noninterest income | $682,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $23,000 | 5,630 |
| Trading account gains and fees | $1,000 | 141 |
| Additional Noninterest Income | $658,000 | 1,234 |
| Total noninterest expense | $469,000 | 5,898 |
| Salaries and employee benefits | $285,000 | 5,603 |
| Premises and equipment expense | $39,000 | 6,220 |
| Additional noninterest expense | $145,000 | 5,982 |
| Pre-tax net operating income | $813,000 | 1,999 |
| Securities gains (losses) | $321,000 | 429 |
| Applicable income taxes | $155,000 | 1,992 |
| Income before extraordinary items | $979,000 | 1,493 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $979,000 | 1,494 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $979,000 | 1,494 |
| Net charge-offs | $26,000 | 3,512 |
| Cash dividends | $130,000 | 1,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $702,940 | 1,905 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,445,000 | 5,487 |
| Total interest expense | $844,000 | 4,802 |
| Net interest income | $2,601,000 | 5,570 |
| Provision for loan and lease losses | $210,000 | 4,576 |
| Total noninterest income | $319,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $115,000 | 5,321 |
| Trading account gains and fees | $14,000 | 131 |
| Additional Noninterest Income | $190,000 | 4,525 |
| Total noninterest expense | $2,116,000 | 5,714 |
| Salaries and employee benefits | $1,076,000 | 5,743 |
| Premises and equipment expense | $144,000 | 6,461 |
| Additional noninterest expense | $896,000 | 5,172 |
| Pre-tax net operating income | $594,000 | 4,522 |
| Securities gains (losses) | $2,000 | 3,652 |
| Applicable income taxes | $56,000 | 3,708 |
| Income before extraordinary items | $540,000 | 4,548 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $540,000 | 4,551 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $540,000 | 4,550 |
| Net charge-offs | $20,000 | 5,907 |
| Cash dividends | $250,000 | 3,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $538,180 | 4,436 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,575,000 | 5,548 |
| Total interest expense | $654,000 | 4,846 |
| Net interest income | $1,921,000 | 5,639 |
| Provision for loan and lease losses | $150,000 | 4,478 |
| Total noninterest income | $270,000 | 5,003 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $92,000 | 5,253 |
| Trading account gains and fees | $27,000 | 125 |
| Additional Noninterest Income | $151,000 | 4,512 |
| Total noninterest expense | $1,653,000 | 5,645 |
| Salaries and employee benefits | $801,000 | 5,767 |
| Premises and equipment expense | $106,000 | 6,541 |
| Additional noninterest expense | $746,000 | 4,949 |
| Pre-tax net operating income | $388,000 | 4,803 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $34,000 | 3,813 |
| Income before extraordinary items | $354,000 | 4,834 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $354,000 | 4,835 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $354,000 | 4,835 |
| Net charge-offs | $22,000 | 5,495 |
| Cash dividends | $110,000 | 3,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $354,000 | 4,707 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 5,608 |
| Total interest expense | $456,000 | 4,850 |
| Net interest income | $1,243,000 | 5,731 |
| Provision for loan and lease losses | $90,000 | 4,488 |
| Total noninterest income | $202,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $62,000 | 5,219 |
| Trading account gains and fees | $46,000 | 117 |
| Additional Noninterest Income | $94,000 | 4,639 |
| Total noninterest expense | $1,115,000 | 5,682 |
| Salaries and employee benefits | $533,000 | 5,821 |
| Premises and equipment expense | $70,000 | 6,587 |
| Additional noninterest expense | $512,000 | 4,939 |
| Pre-tax net operating income | $240,000 | 4,889 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $26,000 | 3,713 |
| Income before extraordinary items | $214,000 | 4,917 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $214,000 | 4,917 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $214,000 | 4,917 |
| Net charge-offs | $23,000 | 4,982 |
| Cash dividends | $53,000 | 3,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $214,000 | 4,824 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $847,000 | 5,651 |
| Total interest expense | $238,000 | 4,860 |
| Net interest income | $609,000 | 5,795 |
| Provision for loan and lease losses | $40,000 | 4,390 |
| Total noninterest income | $103,000 | 4,870 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $30,000 | 5,223 |
| Trading account gains and fees | $21,000 | 126 |
| Additional Noninterest Income | $52,000 | 4,604 |
| Total noninterest expense | $592,000 | 5,579 |
| Salaries and employee benefits | $269,000 | 5,843 |
| Premises and equipment expense | $33,000 | 6,698 |
| Additional noninterest expense | $290,000 | 4,621 |
| Pre-tax net operating income | $80,000 | 5,379 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $80,000 | 5,289 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $80,000 | 5,287 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $80,000 | 5,289 |
| Net charge-offs | $100,000 | 2,729 |
| Cash dividends | $21,000 | 2,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $80,000 | 5,229 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,499,000 | 5,709 |
| Total interest expense | $1,222,000 | 4,763 |
| Net interest income | $2,277,000 | 5,977 |
| Provision for loan and lease losses | $185,000 | 5,430 |
| Total noninterest income | $320,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $137,000 | 5,057 |
| Trading account gains and fees | $-8,000 | 7,588 |
| Additional Noninterest Income | $191,000 | 4,659 |
| Total noninterest expense | $2,001,000 | 6,011 |
| Salaries and employee benefits | $1,046,000 | 5,926 |
| Premises and equipment expense | $139,000 | 6,727 |
| Additional noninterest expense | $816,000 | 5,586 |
| Pre-tax net operating income | $411,000 | 4,602 |
| Securities gains (losses) | $283,000 | 1,313 |
| Applicable income taxes | $143,000 | 2,969 |
| Income before extraordinary items | $551,000 | 4,172 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $551,000 | 4,173 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $551,000 | 4,174 |
| Net charge-offs | $573,000 | 3,470 |
| Cash dividends | $67,000 | 3,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $327,430 | 4,704 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,667,000 | 5,786 |
| Total interest expense | $962,000 | 4,797 |
| Net interest income | $1,705,000 | 6,080 |
| Provision for loan and lease losses | $120,000 | 5,511 |
| Total noninterest income | $219,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $108,000 | 5,060 |
| Trading account gains and fees | $-13,000 | 7,698 |
| Additional Noninterest Income | $124,000 | 4,938 |
| Total noninterest expense | $1,503,000 | 6,043 |
| Salaries and employee benefits | $784,000 | 5,991 |
| Premises and equipment expense | $103,000 | 6,809 |
| Additional noninterest expense | $616,000 | 5,586 |
| Pre-tax net operating income | $301,000 | 4,860 |
| Securities gains (losses) | $283,000 | 1,124 |
| Applicable income taxes | $131,000 | 2,902 |
| Income before extraordinary items | $453,000 | 4,292 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $453,000 | 4,293 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $453,000 | 4,293 |
| Net charge-offs | $577,000 | 2,881 |
| Cash dividends | $41,000 | 3,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $232,260 | 4,997 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,789,000 | 5,806 |
| Total interest expense | $670,000 | 4,801 |
| Net interest income | $1,119,000 | 6,140 |
| Provision for loan and lease losses | $80,000 | 5,382 |
| Total noninterest income | $142,000 | 5,572 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $70,000 | 5,108 |
| Trading account gains and fees | $-15,000 | 7,762 |
| Additional Noninterest Income | $87,000 | 4,851 |
| Total noninterest expense | $986,000 | 6,116 |
| Salaries and employee benefits | $522,000 | 6,032 |
| Premises and equipment expense | $68,000 | 6,872 |
| Additional noninterest expense | $396,000 | 5,682 |
| Pre-tax net operating income | $195,000 | 4,964 |
| Securities gains (losses) | $283,000 | 748 |
| Applicable income taxes | $119,000 | 2,634 |
| Income before extraordinary items | $359,000 | 3,967 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $359,000 | 3,965 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $359,000 | 3,966 |
| Net charge-offs | $414,000 | 2,666 |
| Cash dividends | $41,000 | 3,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $146,750 | 5,091 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $888,000 | 5,902 |
| Total interest expense | $344,000 | 4,872 |
| Net interest income | $544,000 | 6,239 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $82,000 | 5,381 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $30,000 | 5,359 |
| Trading account gains and fees | $4,000 | 158 |
| Additional Noninterest Income | $48,000 | 4,761 |
| Total noninterest expense | $488,000 | 6,215 |
| Salaries and employee benefits | $262,000 | 6,105 |
| Premises and equipment expense | $33,000 | 6,994 |
| Additional noninterest expense | $193,000 | 5,774 |
| Pre-tax net operating income | $108,000 | 4,960 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $13,000 | 3,663 |
| Income before extraordinary items | $95,000 | 5,046 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $95,000 | 5,047 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $95,000 | 5,046 |
| Net charge-offs | $4,000 | 5,215 |
| Cash dividends | $21,000 | 2,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $95,000 | 4,928 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,539,000 | 5,998 |
| Total interest expense | $1,527,000 | 5,123 |
| Net interest income | $2,012,000 | 6,338 |
| Provision for loan and lease losses | $550,000 | 4,387 |
| Total noninterest income | $394,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $128,000 | 5,400 |
| Trading account gains and fees | $14,000 | 189 |
| Additional Noninterest Income | $252,000 | 4,260 |
| Total noninterest expense | $2,144,000 | 6,066 |
| Salaries and employee benefits | $1,097,000 | 6,035 |
| Premises and equipment expense | $139,000 | 7,035 |
| Additional noninterest expense | $908,000 | 5,506 |
| Pre-tax net operating income | $-288,000 | 5,794 |
| Securities gains (losses) | $1,000 | 3,653 |
| Applicable income taxes | $-197,000 | 6,758 |
| Income before extraordinary items | $-90,000 | 5,688 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-90,000 | 5,687 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-90,000 | 5,687 |
| Net charge-offs | $148,000 | 5,338 |
| Cash dividends | $46,000 | 4,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-90,640 | 5,666 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,662,000 | 6,052 |
| Total interest expense | $1,163,000 | 5,234 |
| Net interest income | $1,499,000 | 6,372 |
| Provision for loan and lease losses | $550,000 | 3,654 |
| Total noninterest income | $304,000 | 5,168 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $95,000 | 5,432 |
| Trading account gains and fees | $28,000 | 175 |
| Additional Noninterest Income | $181,000 | 4,448 |
| Total noninterest expense | $1,598,000 | 6,087 |
| Salaries and employee benefits | $832,000 | 6,047 |
| Premises and equipment expense | $104,000 | 7,086 |
| Additional noninterest expense | $662,000 | 5,570 |
| Pre-tax net operating income | $-345,000 | 6,179 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $-190,000 | 7,084 |
| Income before extraordinary items | $-154,000 | 6,057 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-154,000 | 6,058 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-154,000 | 6,057 |
| Net charge-offs | $106,000 | 5,010 |
| Cash dividends | $26,000 | 4,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-154,640 | 6,032 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,774,000 | 6,113 |
| Total interest expense | $777,000 | 5,336 |
| Net interest income | $997,000 | 6,398 |
| Provision for loan and lease losses | $120,000 | 5,054 |
| Total noninterest income | $219,000 | 5,067 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $63,000 | 5,461 |
| Trading account gains and fees | $17,000 | 172 |
| Additional Noninterest Income | $139,000 | 4,255 |
| Total noninterest expense | $1,070,000 | 6,140 |
| Salaries and employee benefits | $563,000 | 6,081 |
| Premises and equipment expense | $69,000 | 7,151 |
| Additional noninterest expense | $438,000 | 5,600 |
| Pre-tax net operating income | $26,000 | 5,649 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $-38,000 | 6,963 |
| Income before extraordinary items | $65,000 | 5,465 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $65,000 | 5,461 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $65,000 | 5,461 |
| Net charge-offs | $47,000 | 4,972 |
| Cash dividends | $5,000 | 3,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $64,000 | 5,384 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $883,000 | 6,165 |
| Total interest expense | $384,000 | 5,469 |
| Net interest income | $499,000 | 6,412 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $102,000 | 5,174 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $32,000 | 5,411 |
| Trading account gains and fees | $2,000 | 160 |
| Additional Noninterest Income | $68,000 | 4,284 |
| Total noninterest expense | $511,000 | 6,213 |
| Salaries and employee benefits | $284,000 | 6,106 |
| Premises and equipment expense | $34,000 | 7,208 |
| Additional noninterest expense | $193,000 | 5,692 |
| Pre-tax net operating income | $60,000 | 5,492 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-2,000 | 7,082 |
| Income before extraordinary items | $62,000 | 5,518 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $62,000 | 5,521 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $62,000 | 5,521 |
| Net charge-offs | $47,000 | 3,624 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $62,000 | 5,338 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,031,000 | 5,990 |
| Total interest expense | $2,066,000 | 5,214 |
| Net interest income | $1,965,000 | 6,453 |
| Provision for loan and lease losses | $380,000 | 4,218 |
| Total noninterest income | $350,000 | 5,555 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $146,000 | 5,365 |
| Trading account gains and fees | $-24,000 | 8,196 |
| Additional Noninterest Income | $228,000 | 4,630 |
| Total noninterest expense | $2,192,000 | 5,995 |
| Salaries and employee benefits | $1,208,000 | 5,975 |
| Premises and equipment expense | $143,000 | 7,200 |
| Additional noninterest expense | $841,000 | 5,343 |
| Pre-tax net operating income | $-257,000 | 6,603 |
| Securities gains (losses) | $-480,000 | 7,533 |
| Applicable income taxes | $-344,000 | 7,364 |
| Income before extraordinary items | $-393,000 | 6,640 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-393,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 4,162 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 368 |
| Net operating income | $-85,800 | 6,489 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,100,000 | 6,001 |
| Total interest expense | $1,634,000 | 5,217 |
| Net interest income | $1,466,000 | 6,520 |
| Provision for loan and lease losses | $195,000 | 4,255 |
| Total noninterest income | $263,000 | 5,633 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $111,000 | 5,379 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $152,000 | 4,925 |
| Total noninterest expense | $1,556,000 | 6,132 |
| Salaries and employee benefits | $919,000 | 5,923 |
| Premises and equipment expense | $109,000 | 7,250 |
| Additional noninterest expense | $528,000 | 5,764 |
| Pre-tax net operating income | $-22,000 | 6,791 |
| Securities gains (losses) | $-480,000 | 7,763 |
| Applicable income taxes | $-239,000 | 7,693 |
| Income before extraordinary items | $-263,000 | 6,980 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-263,000 | 6,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,926 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $44,200 | 6,597 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 6,006 |
| Total interest expense | $1,150,000 | 5,232 |
| Net interest income | $979,000 | 6,530 |
| Provision for loan and lease losses | $155,000 | 3,554 |
| Total noninterest income | $182,000 | 5,630 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $78,000 | 5,295 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $104,000 | 4,986 |
| Total noninterest expense | $1,044,000 | 6,159 |
| Salaries and employee benefits | $624,000 | 5,933 |
| Premises and equipment expense | $71,000 | 7,323 |
| Additional noninterest expense | $349,000 | 5,785 |
| Pre-tax net operating income | $-38,000 | 7,065 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $-59,000 | 7,778 |
| Income before extraordinary items | $22,000 | 6,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $22,000 | 6,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $21,360 | 6,830 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,105,000 | 5,998 |
| Total interest expense | $618,000 | 5,197 |
| Net interest income | $487,000 | 6,567 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $97,000 | 5,495 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $41,000 | 5,179 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $56,000 | 4,821 |
| Total noninterest expense | $512,000 | 6,238 |
| Salaries and employee benefits | $313,000 | 5,968 |
| Premises and equipment expense | $33,000 | 7,431 |
| Additional noninterest expense | $166,000 | 5,895 |
| Pre-tax net operating income | $72,000 | 6,337 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $7,000 | 4,983 |
| Income before extraordinary items | $66,000 | 6,327 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $66,000 | 6,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $65,100 | 6,248 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,220,000 | 6,122 |
| Total interest expense | $2,248,000 | 5,561 |
| Net interest income | $1,972,000 | 6,533 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $412,000 | 5,430 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $185,000 | 5,053 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $227,000 | 4,809 |
| Total noninterest expense | $1,990,000 | 6,230 |
| Salaries and employee benefits | $814,000 | 6,937 |
| Premises and equipment expense | $140,000 | 7,332 |
| Additional noninterest expense | $1,036,000 | 4,547 |
| Pre-tax net operating income | $394,000 | 6,287 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $56,000 | 4,866 |
| Income before extraordinary items | $338,000 | 6,285 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $338,000 | 6,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $338,000 | 6,268 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 6,219 |
| Total interest expense | $1,601,000 | 5,703 |
| Net interest income | $1,487,000 | 6,555 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $302,000 | 5,522 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $143,000 | 5,025 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $159,000 | 4,967 |
| Total noninterest expense | $1,464,000 | 6,269 |
| Salaries and employee benefits | $604,000 | 6,931 |
| Premises and equipment expense | $103,000 | 7,362 |
| Additional noninterest expense | $757,000 | 4,565 |
| Pre-tax net operating income | $325,000 | 6,472 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $52,000 | 4,920 |
| Income before extraordinary items | $273,000 | 6,455 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $273,000 | 6,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,266 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $273,000 | 6,445 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,958,000 | 6,344 |
| Total interest expense | $991,000 | 5,896 |
| Net interest income | $967,000 | 6,664 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $206,000 | 5,511 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $100,000 | 4,947 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $106,000 | 5,014 |
| Total noninterest expense | $957,000 | 6,364 |
| Salaries and employee benefits | $395,000 | 7,028 |
| Premises and equipment expense | $67,000 | 7,418 |
| Additional noninterest expense | $495,000 | 4,615 |
| Pre-tax net operating income | $216,000 | 6,537 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $35,000 | 5,013 |
| Income before extraordinary items | $181,000 | 6,517 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $181,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,692 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $181,000 | 6,510 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $926,000 | 6,487 |
| Total interest expense | $447,000 | 6,119 |
| Net interest income | $479,000 | 6,700 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $109,000 | 5,358 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $53,000 | 4,757 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $56,000 | 4,901 |
| Total noninterest expense | $459,000 | 6,496 |
| Salaries and employee benefits | $181,000 | 7,251 |
| Premises and equipment expense | $31,000 | 7,555 |
| Additional noninterest expense | $247,000 | 4,583 |
| Pre-tax net operating income | $129,000 | 6,307 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $25,000 | 4,759 |
| Income before extraordinary items | $104,000 | 6,337 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $104,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $104,000 | 6,319 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,550,000 | 6,392 |
| Total interest expense | $1,621,000 | 5,932 |
| Net interest income | $1,929,000 | 6,634 |
| Provision for loan and lease losses | $18,000 | 6,359 |
| Total noninterest income | $406,000 | 5,574 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $199,000 | 5,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $207,000 | 5,061 |
| Total noninterest expense | $1,806,000 | 6,431 |
| Salaries and employee benefits | $668,000 | 7,379 |
| Premises and equipment expense | $141,000 | 7,362 |
| Additional noninterest expense | $997,000 | 4,524 |
| Pre-tax net operating income | $511,000 | 6,448 |
| Securities gains (losses) | $-9,000 | 7,249 |
| Applicable income taxes | $136,000 | 4,709 |
| Income before extraordinary items | $366,000 | 6,654 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $366,000 | 6,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,999 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $372,570 | 6,623 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 6,422 |
| Total interest expense | $1,178,000 | 5,953 |
| Net interest income | $1,468,000 | 6,676 |
| Provision for loan and lease losses | $18,000 | 6,058 |
| Total noninterest income | $319,000 | 5,508 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $152,000 | 5,015 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,918 |
| Total noninterest expense | $1,341,000 | 6,466 |
| Salaries and employee benefits | $493,000 | 7,399 |
| Premises and equipment expense | $103,000 | 7,419 |
| Additional noninterest expense | $745,000 | 4,515 |
| Pre-tax net operating income | $428,000 | 6,504 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $127,000 | 4,685 |
| Income before extraordinary items | $301,000 | 6,722 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $301,000 | 6,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $301,000 | 6,724 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,777,000 | 6,414 |
| Total interest expense | $774,000 | 5,895 |
| Net interest income | $1,003,000 | 6,653 |
| Provision for loan and lease losses | $18,000 | 5,601 |
| Total noninterest income | $207,000 | 5,553 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $101,000 | 4,997 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $106,000 | 5,005 |
| Total noninterest expense | $891,000 | 6,501 |
| Salaries and employee benefits | $329,000 | 7,437 |
| Premises and equipment expense | $67,000 | 7,475 |
| Additional noninterest expense | $495,000 | 4,518 |
| Pre-tax net operating income | $301,000 | 6,452 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $91,000 | 4,629 |
| Income before extraordinary items | $210,000 | 6,676 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $210,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $210,000 | 6,681 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $872,000 | 6,432 |
| Total interest expense | $372,000 | 5,881 |
| Net interest income | $500,000 | 6,683 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $91,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,486 |
| Total noninterest expense | $449,000 | 6,486 |
| Salaries and employee benefits | $181,000 | 7,240 |
| Premises and equipment expense | $34,000 | 7,467 |
| Additional noninterest expense | $234,000 | 4,666 |
| Pre-tax net operating income | $130,000 | 6,676 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $33,000 | 4,927 |
| Income before extraordinary items | $97,000 | 6,781 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $97,000 | 6,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $97,000 | 6,779 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 6,588 |
| Total interest expense | $1,155,000 | 5,921 |
| Net interest income | $1,845,000 | 6,839 |
| Provision for loan and lease losses | $36,000 | 6,047 |
| Total noninterest income | $434,000 | 5,549 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $213,000 | 4,906 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $221,000 | 4,978 |
| Total noninterest expense | $1,755,000 | 6,477 |
| Salaries and employee benefits | $674,000 | 7,360 |
| Premises and equipment expense | $137,000 | 7,433 |
| Additional noninterest expense | $944,000 | 4,607 |
| Pre-tax net operating income | $488,000 | 6,791 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $137,000 | 5,090 |
| Income before extraordinary items | $351,000 | 6,973 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $351,000 | 6,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,620 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $351,000 | 6,958 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,199,000 | 6,643 |
| Total interest expense | $829,000 | 5,921 |
| Net interest income | $1,370,000 | 6,892 |
| Provision for loan and lease losses | $36,000 | 5,642 |
| Total noninterest income | $314,000 | 5,671 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $161,000 | 4,927 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $153,000 | 5,160 |
| Total noninterest expense | $1,318,000 | 6,467 |
| Salaries and employee benefits | $500,000 | 7,371 |
| Premises and equipment expense | $104,000 | 7,419 |
| Additional noninterest expense | $714,000 | 4,568 |
| Pre-tax net operating income | $330,000 | 7,069 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $91,000 | 5,337 |
| Income before extraordinary items | $239,000 | 7,247 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $239,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $239,000 | 7,209 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,445,000 | 6,647 |
| Total interest expense | $541,000 | 5,842 |
| Net interest income | $904,000 | 6,927 |
| Provision for loan and lease losses | $36,000 | 4,958 |
| Total noninterest income | $207,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $103,000 | 4,972 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $104,000 | 5,107 |
| Total noninterest expense | $873,000 | 6,492 |
| Salaries and employee benefits | $325,000 | 7,426 |
| Premises and equipment expense | $72,000 | 7,364 |
| Additional noninterest expense | $476,000 | 4,539 |
| Pre-tax net operating income | $202,000 | 7,213 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $55,000 | 5,432 |
| Income before extraordinary items | $147,000 | 7,375 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $147,000 | 7,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $147,000 | 7,329 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $696,000 | 6,761 |
| Total interest expense | $255,000 | 5,910 |
| Net interest income | $441,000 | 7,035 |
| Provision for loan and lease losses | $18,000 | 4,743 |
| Total noninterest income | $102,000 | 5,632 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $47,000 | 5,132 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $55,000 | 4,967 |
| Total noninterest expense | $426,000 | 6,606 |
| Salaries and employee benefits | $163,000 | 7,473 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $224,000 | 4,712 |
| Pre-tax net operating income | $99,000 | 7,230 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $27,000 | 5,406 |
| Income before extraordinary items | $72,000 | 7,389 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $72,000 | 7,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $72,000 | 7,353 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 6,929 |
| Total interest expense | $802,000 | 6,258 |
| Net interest income | $1,653,000 | 7,110 |
| Provision for loan and lease losses | $74,000 | 5,437 |
| Total noninterest income | $462,000 | 5,461 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $240,000 | 4,827 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $222,000 | 4,894 |
| Total noninterest expense | $1,571,000 | 6,764 |
| Salaries and employee benefits | $629,000 | 7,550 |
| Premises and equipment expense | $130,000 | 7,584 |
| Additional noninterest expense | $812,000 | 5,046 |
| Pre-tax net operating income | $470,000 | 6,804 |
| Securities gains (losses) | $11,000 | 2,784 |
| Applicable income taxes | $144,000 | 5,152 |
| Income before extraordinary items | $337,000 | 7,069 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $337,000 | 7,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,720 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $329,300 | 7,055 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,827,000 | 6,962 |
| Total interest expense | $603,000 | 6,237 |
| Net interest income | $1,224,000 | 7,149 |
| Provision for loan and lease losses | $56,000 | 5,245 |
| Total noninterest income | $347,000 | 5,497 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $190,000 | 4,760 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $157,000 | 5,023 |
| Total noninterest expense | $1,167,000 | 6,751 |
| Salaries and employee benefits | $466,000 | 7,531 |
| Premises and equipment expense | $93,000 | 7,655 |
| Additional noninterest expense | $608,000 | 5,008 |
| Pre-tax net operating income | $348,000 | 6,961 |
| Securities gains (losses) | $11,000 | 2,659 |
| Applicable income taxes | $111,000 | 5,226 |
| Income before extraordinary items | $248,000 | 7,217 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $248,000 | 7,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,955 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $240,410 | 7,189 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,212,000 | 7,004 |
| Total interest expense | $407,000 | 6,246 |
| Net interest income | $805,000 | 7,212 |
| Provision for loan and lease losses | $38,000 | 5,097 |
| Total noninterest income | $252,000 | 5,264 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $130,000 | 4,686 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $122,000 | 4,745 |
| Total noninterest expense | $777,000 | 6,805 |
| Salaries and employee benefits | $301,000 | 7,673 |
| Premises and equipment expense | $62,000 | 7,681 |
| Additional noninterest expense | $414,000 | 4,949 |
| Pre-tax net operating income | $242,000 | 6,882 |
| Securities gains (losses) | $11,000 | 2,367 |
| Applicable income taxes | $79,000 | 5,131 |
| Income before extraordinary items | $174,000 | 7,123 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $174,000 | 7,123 |
| 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 | $0 | 638 |
| Net operating income | $166,410 | 7,129 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $619,000 | 6,996 |
| Total interest expense | $210,000 | 6,211 |
| Net interest income | $409,000 | 7,209 |
| Provision for loan and lease losses | $20,000 | 4,792 |
| Total noninterest income | $105,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $62,000 | 4,721 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $43,000 | 5,417 |
| Total noninterest expense | $387,000 | 6,853 |
| Salaries and employee benefits | $146,000 | 7,753 |
| Premises and equipment expense | $32,000 | 7,669 |
| Additional noninterest expense | $209,000 | 4,912 |
| Pre-tax net operating income | $107,000 | 7,030 |
| Securities gains (losses) | $5,000 | 2,336 |
| Applicable income taxes | $36,000 | 5,209 |
| Income before extraordinary items | $76,000 | 7,310 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $76,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $72,600 | 7,293 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,536,000 | 7,002 |
| Total interest expense | $877,000 | 6,484 |
| Net interest income | $1,659,000 | 7,127 |
| Provision for loan and lease losses | $131,000 | 4,799 |
| Total noninterest income | $568,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $232,000 | 4,921 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $336,000 | 4,281 |
| Total noninterest expense | $1,529,000 | 6,834 |
| Salaries and employee benefits | $564,000 | 7,847 |
| Premises and equipment expense | $130,000 | 7,667 |
| Additional noninterest expense | $835,000 | 4,914 |
| Pre-tax net operating income | $567,000 | 6,458 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $200,000 | 4,931 |
| Income before extraordinary items | $368,000 | 6,954 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $368,000 | 6,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,670 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $367,350 | 6,808 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,906,000 | 7,081 |
| Total interest expense | $651,000 | 6,656 |
| Net interest income | $1,255,000 | 7,141 |
| Provision for loan and lease losses | $92,000 | 4,797 |
| Total noninterest income | $456,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $169,000 | 5,025 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $287,000 | 4,118 |
| Total noninterest expense | $1,114,000 | 6,912 |
| Salaries and employee benefits | $418,000 | 7,840 |
| Premises and equipment expense | $94,000 | 7,751 |
| Additional noninterest expense | $602,000 | 4,990 |
| Pre-tax net operating income | $505,000 | 6,258 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $180,000 | 4,819 |
| Income before extraordinary items | $326,000 | 6,795 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $326,000 | 6,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $325,360 | 6,627 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,290,000 | 7,082 |
| Total interest expense | $433,000 | 6,781 |
| Net interest income | $857,000 | 7,095 |
| Provision for loan and lease losses | $53,000 | 5,070 |
| Total noninterest income | $309,000 | 4,913 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $107,000 | 5,112 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $202,000 | 4,014 |
| Total noninterest expense | $716,000 | 7,030 |
| Salaries and employee benefits | $269,000 | 7,935 |
| Premises and equipment expense | $62,000 | 7,773 |
| Additional noninterest expense | $385,000 | 5,142 |
| Pre-tax net operating income | $397,000 | 5,877 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $142,000 | 4,596 |
| Income before extraordinary items | $256,000 | 6,464 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $256,000 | 6,464 |
| 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 | $0 | 589 |
| Net operating income | $255,360 | 6,273 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $642,000 | 7,139 |
| Total interest expense | $216,000 | 6,859 |
| Net interest income | $426,000 | 7,113 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $135,000 | 5,152 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $83,000 | 4,275 |
| Total noninterest expense | $347,000 | 7,141 |
| Salaries and employee benefits | $130,000 | 8,035 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $185,000 | 5,250 |
| Pre-tax net operating income | $190,000 | 5,958 |
| Securities gains (losses) | $1,000 | 2,714 |
| Applicable income taxes | $68,000 | 4,629 |
| Income before extraordinary items | $123,000 | 6,508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $123,000 | 6,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $122,360 | 6,346 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,533,000 | 7,328 |
| Total interest expense | $1,038,000 | 6,837 |
| Net interest income | $1,495,000 | 7,447 |
| Provision for loan and lease losses | $264,000 | 3,738 |
| Total noninterest income | $394,000 | 5,817 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $164,000 | 5,663 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $230,000 | 4,752 |
| Total noninterest expense | $1,265,000 | 7,331 |
| Salaries and employee benefits | $479,000 | 8,221 |
| Premises and equipment expense | $116,000 | 7,934 |
| Additional noninterest expense | $670,000 | 5,549 |
| Pre-tax net operating income | $360,000 | 7,328 |
| Securities gains (losses) | $8,000 | 3,732 |
| Applicable income taxes | $134,000 | 5,655 |
| Income before extraordinary items | $234,000 | 7,658 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $234,000 | 7,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,507 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $228,880 | 7,588 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,249,000 | 7,993 |
| Total interest expense | $1,288,000 | 7,429 |
| Net interest income | $961,000 | 8,371 |
| Provision for loan and lease losses | $121,000 | 5,176 |
| Total noninterest income | $280,000 | 6,582 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $93,000 | 6,705 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $187,000 | 5,069 |
| Total noninterest expense | $977,000 | 8,021 |
| Salaries and employee benefits | $352,000 | 8,832 |
| Premises and equipment expense | $124,000 | 7,941 |
| Additional noninterest expense | $501,000 | 6,429 |
| Pre-tax net operating income | $143,000 | 8,127 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $53,000 | 6,661 |
| Income before extraordinary items | $90,000 | 8,404 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $90,000 | 8,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,083 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $90,000 | 8,302 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 8,644 |
| Total interest expense | $980,000 | 8,269 |
| Net interest income | $804,000 | 8,889 |
| Provision for loan and lease losses | $80,000 | 5,752 |
| Total noninterest income | $105,000 | 8,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 7,980 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,177 |
| Total noninterest expense | $768,000 | 8,653 |
| Salaries and employee benefits | $309,000 | 9,208 |
| Premises and equipment expense | $99,000 | 8,459 |
| Additional noninterest expense | $360,000 | 7,480 |
| Pre-tax net operating income | $61,000 | 8,939 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $20,000 | 7,844 |
| Income before extraordinary items | $41,000 | 8,989 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $41,000 | 8,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $41,000 | 8,973 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $807,000 | 9,767 |
| Total interest expense | $385,000 | 9,674 |
| Net interest income | $422,000 | 9,794 |
| Provision for loan and lease losses | $148,000 | 4,314 |
| Total noninterest income | $96,000 | 8,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 8,666 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 7,013 |
| Total noninterest expense | $679,000 | 9,086 |
| Salaries and employee benefits | $277,000 | 9,598 |
| Premises and equipment expense | $88,000 | 8,858 |
| Additional noninterest expense | $314,000 | 8,015 |
| Pre-tax net operating income | $-309,000 | 9,717 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-105,000 | 9,928 |
| Income before extraordinary items | $-204,000 | 9,682 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-204,000 | 9,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,452,000 | 336 |
| Net operating income | $-204,000 | 9,659 |
* 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.