Home > Skylands Community Bank > Income and Expense
Skylands Community Bank, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $44,557,000 | 460 |
| Total interest expense | $6,442,000 | 698 |
| Net interest income | $38,115,000 | 434 |
| Provision for loan and lease losses | $21,155,000 | 168 |
| Total noninterest income | $6,616,000 | 680 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $2,452,000 | 469 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $4,164,000 | 663 |
| Total noninterest expense | $24,361,000 | 624 |
| Salaries and employee benefits | $8,860,000 | 839 |
| Premises and equipment expense | $3,877,000 | 488 |
| Additional noninterest expense | $11,624,000 | 483 |
| Pre-tax net operating income | $-785,000 | 6,723 |
| Securities gains (losses) | $358,000 | 802 |
| Applicable income taxes | $-19,000 | 6,835 |
| Income before extraordinary items | $-408,000 | 6,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-408,000 | 6,649 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-408,000 | 6,649 |
| Net charge-offs | $8,528,000 | 399 |
| Cash dividends | $2,150,000 | 603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-751,680 | 6,749 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $29,939,000 | 468 |
| Total interest expense | $4,497,000 | 703 |
| Net interest income | $25,442,000 | 436 |
| Provision for loan and lease losses | $13,473,000 | 185 |
| Total noninterest income | $4,420,000 | 681 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,570,000 | 487 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,850,000 | 644 |
| Total noninterest expense | $15,938,000 | 642 |
| Salaries and employee benefits | $5,841,000 | 855 |
| Premises and equipment expense | $2,567,000 | 498 |
| Additional noninterest expense | $7,530,000 | 501 |
| Pre-tax net operating income | $451,000 | 4,001 |
| Securities gains (losses) | $358,000 | 476 |
| Applicable income taxes | $272,000 | 1,905 |
| Income before extraordinary items | $537,000 | 3,434 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $537,000 | 3,435 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $537,000 | 3,435 |
| Net charge-offs | $6,884,000 | 355 |
| Cash dividends | $2,150,000 | 394 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $300,720 | 4,367 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $14,978,000 | 475 |
| Total interest expense | $2,347,000 | 706 |
| Net interest income | $12,631,000 | 440 |
| Provision for loan and lease losses | $3,500,000 | 322 |
| Total noninterest income | $2,349,000 | 651 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $758,000 | 493 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,591,000 | 602 |
| Total noninterest expense | $8,203,000 | 630 |
| Salaries and employee benefits | $2,898,000 | 873 |
| Premises and equipment expense | $1,326,000 | 498 |
| Additional noninterest expense | $3,979,000 | 470 |
| Pre-tax net operating income | $3,277,000 | 512 |
| Securities gains (losses) | $358,000 | 218 |
| Applicable income taxes | $1,417,000 | 357 |
| Income before extraordinary items | $2,218,000 | 591 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,218,000 | 590 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,218,000 | 591 |
| Net charge-offs | $2,150,000 | 518 |
| Cash dividends | $750,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,988,880 | 645 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $63,267,000 | 471 |
| Total interest expense | $13,689,000 | 580 |
| Net interest income | $49,578,000 | 448 |
| Provision for loan and lease losses | $6,621,000 | 916 |
| Total noninterest income | $7,830,000 | 762 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,333,000 | 456 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,497,000 | 802 |
| Total noninterest expense | $31,777,000 | 644 |
| Salaries and employee benefits | $11,868,000 | 833 |
| Premises and equipment expense | $5,194,000 | 495 |
| Additional noninterest expense | $14,715,000 | 525 |
| Pre-tax net operating income | $19,010,000 | 315 |
| Securities gains (losses) | $311,000 | 1,233 |
| Applicable income taxes | $5,763,000 | 329 |
| Income before extraordinary items | $13,558,000 | 343 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $13,558,000 | 343 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $13,558,000 | 344 |
| Net charge-offs | $6,905,000 | 795 |
| Cash dividends | $9,200,000 | 188 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $13,340,300 | 334 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $47,921,000 | 466 |
| Total interest expense | $10,559,000 | 587 |
| Net interest income | $37,362,000 | 442 |
| Provision for loan and lease losses | $5,196,000 | 855 |
| Total noninterest income | $5,484,000 | 786 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,537,000 | 453 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,947,000 | 843 |
| Total noninterest expense | $23,429,000 | 645 |
| Salaries and employee benefits | $8,946,000 | 819 |
| Premises and equipment expense | $3,867,000 | 495 |
| Additional noninterest expense | $10,616,000 | 523 |
| Pre-tax net operating income | $14,221,000 | 318 |
| Securities gains (losses) | $236,000 | 1,246 |
| Applicable income taxes | $4,225,000 | 330 |
| Income before extraordinary items | $10,232,000 | 342 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $10,232,000 | 343 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $10,232,000 | 343 |
| Net charge-offs | $2,580,000 | 1,279 |
| Cash dividends | $9,200,000 | 117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $10,064,440 | 336 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $32,142,000 | 466 |
| Total interest expense | $7,121,000 | 594 |
| Net interest income | $25,021,000 | 442 |
| Provision for loan and lease losses | $3,701,000 | 803 |
| Total noninterest income | $3,243,000 | 848 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,673,000 | 454 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,570,000 | 945 |
| Total noninterest expense | $15,402,000 | 650 |
| Salaries and employee benefits | $5,912,000 | 822 |
| Premises and equipment expense | $2,600,000 | 498 |
| Additional noninterest expense | $6,890,000 | 535 |
| Pre-tax net operating income | $9,161,000 | 324 |
| Securities gains (losses) | $571,000 | 424 |
| Applicable income taxes | $2,958,000 | 298 |
| Income before extraordinary items | $6,774,000 | 333 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $6,774,000 | 332 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $6,774,000 | 333 |
| Net charge-offs | $1,957,000 | 1,139 |
| Cash dividends | $9,200,000 | 72 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $6,374,300 | 340 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $16,200,000 | 478 |
| Total interest expense | $3,628,000 | 627 |
| Net interest income | $12,572,000 | 448 |
| Provision for loan and lease losses | $2,700,000 | 593 |
| Total noninterest income | $1,626,000 | 832 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $828,000 | 457 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $798,000 | 935 |
| Total noninterest expense | $7,592,000 | 662 |
| Salaries and employee benefits | $2,826,000 | 876 |
| Premises and equipment expense | $1,375,000 | 489 |
| Additional noninterest expense | $3,391,000 | 541 |
| Pre-tax net operating income | $3,906,000 | 353 |
| Securities gains (losses) | $371,000 | 318 |
| Applicable income taxes | $1,261,000 | 321 |
| Income before extraordinary items | $3,016,000 | 359 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,016,000 | 361 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $3,016,000 | 361 |
| Net charge-offs | $976,000 | 1,056 |
| Cash dividends | $9,200,000 | 38 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $2,752,590 | 386 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $65,897,000 | 492 |
| Total interest expense | $19,242,000 | 596 |
| Net interest income | $46,655,000 | 457 |
| Provision for loan and lease losses | $9,000,000 | 948 |
| Total noninterest income | $6,487,000 | 890 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,489,000 | 482 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,998,000 | 1,041 |
| Total noninterest expense | $30,900,000 | 677 |
| Salaries and employee benefits | $11,632,000 | 841 |
| Premises and equipment expense | $5,119,000 | 520 |
| Additional noninterest expense | $14,149,000 | 579 |
| Pre-tax net operating income | $13,242,000 | 316 |
| Securities gains (losses) | $1,473,000 | 353 |
| Applicable income taxes | $4,020,000 | 314 |
| Income before extraordinary items | $10,695,000 | 299 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $10,695,000 | 300 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $10,695,000 | 301 |
| Net charge-offs | $5,961,000 | 1,002 |
| Cash dividends | $2,700,000 | 659 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $9,619,710 | 336 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $49,455,000 | 514 |
| Total interest expense | $15,145,000 | 603 |
| Net interest income | $34,310,000 | 476 |
| Provision for loan and lease losses | $7,800,000 | 759 |
| Total noninterest income | $4,921,000 | 890 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,633,000 | 474 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,288,000 | 1,048 |
| Total noninterest expense | $23,062,000 | 682 |
| Salaries and employee benefits | $8,669,000 | 866 |
| Premises and equipment expense | $3,840,000 | 533 |
| Additional noninterest expense | $10,553,000 | 558 |
| Pre-tax net operating income | $8,369,000 | 394 |
| Securities gains (losses) | $1,457,000 | 268 |
| Applicable income taxes | $2,436,000 | 391 |
| Income before extraordinary items | $7,390,000 | 354 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $7,390,000 | 353 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $7,390,000 | 354 |
| Net charge-offs | $3,933,000 | 985 |
| Cash dividends | $2,700,000 | 464 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $6,297,250 | 411 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $32,746,000 | 534 |
| Total interest expense | $10,494,000 | 609 |
| Net interest income | $22,252,000 | 493 |
| Provision for loan and lease losses | $5,200,000 | 716 |
| Total noninterest income | $3,167,000 | 917 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,737,000 | 476 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,430,000 | 1,142 |
| Total noninterest expense | $15,335,000 | 701 |
| Salaries and employee benefits | $5,704,000 | 893 |
| Premises and equipment expense | $2,558,000 | 540 |
| Additional noninterest expense | $7,073,000 | 563 |
| Pre-tax net operating income | $4,884,000 | 444 |
| Securities gains (losses) | $1,403,000 | 213 |
| Applicable income taxes | $1,650,000 | 395 |
| Income before extraordinary items | $4,637,000 | 379 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,637,000 | 376 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $4,637,000 | 378 |
| Net charge-offs | $3,652,000 | 730 |
| Cash dividends | $2,700,000 | 328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $3,598,780 | 468 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $16,324,000 | 540 |
| Total interest expense | $5,374,000 | 619 |
| Net interest income | $10,950,000 | 491 |
| Provision for loan and lease losses | $2,600,000 | 623 |
| Total noninterest income | $1,506,000 | 934 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $853,000 | 473 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $653,000 | 1,170 |
| Total noninterest expense | $7,266,000 | 696 |
| Salaries and employee benefits | $2,768,000 | 929 |
| Premises and equipment expense | $1,314,000 | 530 |
| Additional noninterest expense | $3,184,000 | 557 |
| Pre-tax net operating income | $2,590,000 | 457 |
| Securities gains (losses) | $939,000 | 198 |
| Applicable income taxes | $954,000 | 363 |
| Income before extraordinary items | $2,575,000 | 371 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,575,000 | 371 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $2,575,000 | 373 |
| Net charge-offs | $604,000 | 1,249 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,889,530 | 488 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $69,223,000 | 541 |
| Total interest expense | $26,119,000 | 603 |
| Net interest income | $43,104,000 | 503 |
| Provision for loan and lease losses | $8,047,000 | 708 |
| Total noninterest income | $6,679,000 | 835 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,330,000 | 516 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,349,000 | 886 |
| Total noninterest expense | $28,192,000 | 710 |
| Salaries and employee benefits | $11,602,000 | 861 |
| Premises and equipment expense | $5,108,000 | 540 |
| Additional noninterest expense | $11,482,000 | 609 |
| Pre-tax net operating income | $13,544,000 | 391 |
| Securities gains (losses) | $-1,904,000 | 7,879 |
| Applicable income taxes | $2,490,000 | 549 |
| Income before extraordinary items | $9,150,000 | 422 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,150,000 | 422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,085,000 | 803 |
| Cash dividends | $4,550,000 | 616 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,191 |
| Net operating income | $10,654,160 | 388 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $52,191,000 | 560 |
| Total interest expense | $20,123,000 | 619 |
| Net interest income | $32,068,000 | 524 |
| Provision for loan and lease losses | $2,797,000 | 946 |
| Total noninterest income | $5,133,000 | 852 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,437,000 | 536 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,696,000 | 881 |
| Total noninterest expense | $21,153,000 | 705 |
| Salaries and employee benefits | $8,924,000 | 862 |
| Premises and equipment expense | $3,837,000 | 540 |
| Additional noninterest expense | $8,392,000 | 581 |
| Pre-tax net operating income | $13,251,000 | 393 |
| Securities gains (losses) | $-1,910,000 | 8,053 |
| Applicable income taxes | $2,701,000 | 505 |
| Income before extraordinary items | $8,640,000 | 423 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $8,640,000 | 422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,003,000 | 1,300 |
| Cash dividends | $4,550,000 | 495 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,287 |
| Net operating income | $10,091,600 | 381 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $34,959,000 | 562 |
| Total interest expense | $13,944,000 | 617 |
| Net interest income | $21,015,000 | 530 |
| Provision for loan and lease losses | $2,164,000 | 743 |
| Total noninterest income | $3,560,000 | 835 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,560,000 | 552 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,000,000 | 844 |
| Total noninterest expense | $14,097,000 | 689 |
| Salaries and employee benefits | $5,980,000 | 866 |
| Premises and equipment expense | $2,578,000 | 534 |
| Additional noninterest expense | $5,539,000 | 565 |
| Pre-tax net operating income | $8,314,000 | 442 |
| Securities gains (losses) | $487,000 | 323 |
| Applicable income taxes | $2,123,000 | 493 |
| Income before extraordinary items | $6,678,000 | 414 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,678,000 | 413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $875,000 | 937 |
| Cash dividends | $1,350,000 | 1,087 |
| Sale, conversion, retirement of capital stock, net | $-2,000 | 8,364 |
| Net operating income | $6,307,880 | 428 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $17,789,000 | 570 |
| Total interest expense | $7,576,000 | 616 |
| Net interest income | $10,213,000 | 543 |
| Provision for loan and lease losses | $1,600,000 | 450 |
| Total noninterest income | $1,603,000 | 918 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $774,000 | 548 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $829,000 | 976 |
| Total noninterest expense | $6,929,000 | 689 |
| Salaries and employee benefits | $2,899,000 | 887 |
| Premises and equipment expense | $1,335,000 | 519 |
| Additional noninterest expense | $2,695,000 | 560 |
| Pre-tax net operating income | $3,287,000 | 598 |
| Securities gains (losses) | $151,000 | 540 |
| Applicable income taxes | $562,000 | 912 |
| Income before extraordinary items | $2,876,000 | 531 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,876,000 | 532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 553 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,749,160 | 529 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $71,222,000 | 594 |
| Total interest expense | $33,109,000 | 607 |
| Net interest income | $38,113,000 | 589 |
| Provision for loan and lease losses | $1,950,000 | 860 |
| Total noninterest income | $5,573,000 | 1,010 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,387,000 | 745 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,186,000 | 965 |
| Total noninterest expense | $27,288,000 | 694 |
| Salaries and employee benefits | $11,435,000 | 867 |
| Premises and equipment expense | $4,945,000 | 535 |
| Additional noninterest expense | $10,908,000 | 542 |
| Pre-tax net operating income | $14,448,000 | 614 |
| Securities gains (losses) | $62,000 | 731 |
| Applicable income taxes | $4,275,000 | 611 |
| Income before extraordinary items | $10,235,000 | 635 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $10,235,000 | 633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 2,479 |
| Cash dividends | $1,700,000 | 1,822 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 8,412 |
| Net operating income | $10,190,980 | 623 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $52,796,000 | 598 |
| Total interest expense | $24,549,000 | 612 |
| Net interest income | $28,247,000 | 593 |
| Provision for loan and lease losses | $1,214,000 | 761 |
| Total noninterest income | $4,040,000 | 1,035 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,671,000 | 781 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,369,000 | 973 |
| Total noninterest expense | $20,014,000 | 698 |
| Salaries and employee benefits | $8,709,000 | 854 |
| Premises and equipment expense | $3,698,000 | 539 |
| Additional noninterest expense | $7,607,000 | 558 |
| Pre-tax net operating income | $11,059,000 | 645 |
| Securities gains (losses) | $108,000 | 480 |
| Applicable income taxes | $3,259,000 | 648 |
| Income before extraordinary items | $7,908,000 | 659 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $7,908,000 | 657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,530 |
| Cash dividends | $1,700,000 | 1,374 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 8,458 |
| Net operating income | $7,831,320 | 651 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $34,928,000 | 615 |
| Total interest expense | $16,116,000 | 626 |
| Net interest income | $18,812,000 | 613 |
| Provision for loan and lease losses | $357,000 | 1,347 |
| Total noninterest income | $2,584,000 | 1,091 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,109,000 | 800 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,475,000 | 1,060 |
| Total noninterest expense | $13,504,000 | 700 |
| Salaries and employee benefits | $5,970,000 | 849 |
| Premises and equipment expense | $2,471,000 | 554 |
| Additional noninterest expense | $5,063,000 | 572 |
| Pre-tax net operating income | $7,535,000 | 658 |
| Securities gains (losses) | $108,000 | 397 |
| Applicable income taxes | $2,235,000 | 667 |
| Income before extraordinary items | $5,408,000 | 680 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,408,000 | 679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,451 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $-15,000 | 8,530 |
| Net operating income | $5,331,320 | 678 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,816,000 | 1,086 |
| Total interest expense | $4,301,000 | 1,134 |
| Net interest income | $5,515,000 | 1,008 |
| Provision for loan and lease losses | $96,000 | 2,086 |
| Total noninterest income | $840,000 | 1,501 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $430,000 | 996 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $410,000 | 1,563 |
| Total noninterest expense | $2,979,000 | 1,544 |
| Salaries and employee benefits | $1,346,000 | 1,910 |
| Premises and equipment expense | $470,000 | 1,428 |
| Additional noninterest expense | $1,163,000 | 1,172 |
| Pre-tax net operating income | $3,280,000 | 740 |
| Securities gains (losses) | $55,000 | 400 |
| Applicable income taxes | $1,041,000 | 709 |
| Income before extraordinary items | $2,294,000 | 784 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,294,000 | 783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,074 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,256,050 | 785 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $34,667,000 | 1,139 |
| Total interest expense | $13,230,000 | 1,278 |
| Net interest income | $21,437,000 | 1,036 |
| Provision for loan and lease losses | $300,000 | 2,748 |
| Total noninterest income | $3,264,000 | 1,502 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,631,000 | 1,083 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,633,000 | 1,565 |
| Total noninterest expense | $11,358,000 | 1,569 |
| Salaries and employee benefits | $5,073,000 | 1,918 |
| Premises and equipment expense | $1,634,000 | 1,576 |
| Additional noninterest expense | $4,651,000 | 1,157 |
| Pre-tax net operating income | $13,043,000 | 768 |
| Securities gains (losses) | $16,000 | 966 |
| Applicable income taxes | $4,035,000 | 753 |
| Income before extraordinary items | $9,024,000 | 821 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,024,000 | 820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,089 |
| Cash dividends | $5,100,000 | 693 |
| Sale, conversion, retirement of capital stock, net | $-240,000 | 8,620 |
| Net operating income | $9,012,960 | 813 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $25,421,000 | 1,167 |
| Total interest expense | $9,321,000 | 1,315 |
| Net interest income | $16,100,000 | 1,057 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $2,380,000 | 1,548 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,182,000 | 1,130 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,198,000 | 1,591 |
| Total noninterest expense | $8,496,000 | 1,583 |
| Salaries and employee benefits | $3,799,000 | 1,913 |
| Premises and equipment expense | $1,230,000 | 1,575 |
| Additional noninterest expense | $3,467,000 | 1,170 |
| Pre-tax net operating income | $9,759,000 | 799 |
| Securities gains (losses) | $16,000 | 804 |
| Applicable income taxes | $3,036,000 | 781 |
| Income before extraordinary items | $6,739,000 | 865 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,739,000 | 864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,946 |
| Cash dividends | $2,700,000 | 901 |
| Sale, conversion, retirement of capital stock, net | $-240,000 | 8,704 |
| Net operating income | $6,727,960 | 857 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $16,472,000 | 1,183 |
| Total interest expense | $5,758,000 | 1,351 |
| Net interest income | $10,714,000 | 1,059 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $1,548,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $760,000 | 1,163 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $788,000 | 1,618 |
| Total noninterest expense | $5,630,000 | 1,599 |
| Salaries and employee benefits | $2,493,000 | 1,950 |
| Premises and equipment expense | $813,000 | 1,593 |
| Additional noninterest expense | $2,324,000 | 1,167 |
| Pre-tax net operating income | $6,482,000 | 802 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $2,035,000 | 785 |
| Income before extraordinary items | $4,448,000 | 878 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,448,000 | 879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,365 |
| Cash dividends | $1,100,000 | 1,328 |
| Sale, conversion, retirement of capital stock, net | $-240,000 | 8,742 |
| Net operating income | $4,447,310 | 862 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $7,971,000 | 1,197 |
| Total interest expense | $2,624,000 | 1,400 |
| Net interest income | $5,347,000 | 1,061 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $721,000 | 1,656 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $366,000 | 1,183 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $355,000 | 1,706 |
| Total noninterest expense | $2,769,000 | 1,629 |
| Salaries and employee benefits | $1,200,000 | 2,048 |
| Premises and equipment expense | $409,000 | 1,594 |
| Additional noninterest expense | $1,160,000 | 1,152 |
| Pre-tax net operating income | $3,224,000 | 805 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,009,000 | 782 |
| Income before extraordinary items | $2,215,000 | 860 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,215,000 | 859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $-240,000 | 8,764 |
| Net operating income | $2,215,000 | 844 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $28,062,000 | 1,190 |
| Total interest expense | $7,004,000 | 1,626 |
| Net interest income | $21,058,000 | 1,011 |
| Provision for loan and lease losses | $250,000 | 3,152 |
| Total noninterest income | $3,546,000 | 1,405 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,354,000 | 1,305 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,192,000 | 1,273 |
| Total noninterest expense | $10,217,000 | 1,670 |
| Salaries and employee benefits | $4,459,000 | 2,060 |
| Premises and equipment expense | $1,431,000 | 1,706 |
| Additional noninterest expense | $4,327,000 | 1,191 |
| Pre-tax net operating income | $14,137,000 | 704 |
| Securities gains (losses) | $42,000 | 986 |
| Applicable income taxes | $4,606,000 | 688 |
| Income before extraordinary items | $9,573,000 | 758 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,573,000 | 760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,327 |
| Cash dividends | $7,000,000 | 500 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,544,440 | 746 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,416,000 | 1,183 |
| Total interest expense | $4,828,000 | 1,672 |
| Net interest income | $15,588,000 | 1,010 |
| Provision for loan and lease losses | $175,000 | 3,250 |
| Total noninterest income | $2,752,000 | 1,376 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $983,000 | 1,330 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,769,000 | 1,203 |
| Total noninterest expense | $7,571,000 | 1,670 |
| Salaries and employee benefits | $3,277,000 | 2,091 |
| Premises and equipment expense | $1,078,000 | 1,691 |
| Additional noninterest expense | $3,216,000 | 1,183 |
| Pre-tax net operating income | $10,594,000 | 695 |
| Securities gains (losses) | $42,000 | 946 |
| Applicable income taxes | $3,484,000 | 689 |
| Income before extraordinary items | $7,152,000 | 754 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,152,000 | 755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $900,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $7,123,860 | 738 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,264,000 | 1,181 |
| Total interest expense | $3,013,000 | 1,679 |
| Net interest income | $10,251,000 | 1,015 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $2,037,000 | 1,246 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $641,000 | 1,334 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,396,000 | 1,058 |
| Total noninterest expense | $5,026,000 | 1,665 |
| Salaries and employee benefits | $2,188,000 | 2,071 |
| Premises and equipment expense | $713,000 | 1,682 |
| Additional noninterest expense | $2,125,000 | 1,171 |
| Pre-tax net operating income | $7,162,000 | 678 |
| Securities gains (losses) | $42,000 | 858 |
| Applicable income taxes | $2,371,000 | 664 |
| Income before extraordinary items | $4,833,000 | 731 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,833,000 | 731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,825 |
| Cash dividends | $900,000 | 1,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,804,860 | 716 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,505,000 | 1,181 |
| Total interest expense | $1,401,000 | 1,709 |
| Net interest income | $5,104,000 | 1,018 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $1,241,000 | 1,058 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $318,000 | 1,291 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $923,000 | 835 |
| Total noninterest expense | $2,478,000 | 1,699 |
| Salaries and employee benefits | $1,072,000 | 2,128 |
| Premises and equipment expense | $375,000 | 1,623 |
| Additional noninterest expense | $1,031,000 | 1,204 |
| Pre-tax net operating income | $3,817,000 | 650 |
| Securities gains (losses) | $42,000 | 592 |
| Applicable income taxes | $1,280,000 | 637 |
| Income before extraordinary items | $2,579,000 | 691 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,579,000 | 691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,544 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,550,860 | 678 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $23,469,000 | 1,205 |
| Total interest expense | $4,243,000 | 1,920 |
| Net interest income | $19,226,000 | 1,036 |
| Provision for loan and lease losses | $250,000 | 3,237 |
| Total noninterest income | $2,605,000 | 1,808 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,340,000 | 1,324 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,265,000 | 1,843 |
| Total noninterest expense | $9,246,000 | 1,747 |
| Salaries and employee benefits | $4,065,000 | 2,132 |
| Premises and equipment expense | $1,253,000 | 1,834 |
| Additional noninterest expense | $3,928,000 | 1,262 |
| Pre-tax net operating income | $12,335,000 | 721 |
| Securities gains (losses) | $148,000 | 990 |
| Applicable income taxes | $4,194,000 | 675 |
| Income before extraordinary items | $8,289,000 | 801 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $8,289,000 | 801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,079 |
| Cash dividends | $3,130,000 | 938 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $8,191,320 | 782 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $17,251,000 | 1,211 |
| Total interest expense | $3,056,000 | 1,959 |
| Net interest income | $14,195,000 | 1,040 |
| Provision for loan and lease losses | $175,000 | 3,272 |
| Total noninterest income | $1,940,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,009,000 | 1,329 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $931,000 | 1,866 |
| Total noninterest expense | $6,829,000 | 1,766 |
| Salaries and employee benefits | $2,962,000 | 2,197 |
| Premises and equipment expense | $930,000 | 1,860 |
| Additional noninterest expense | $2,937,000 | 1,256 |
| Pre-tax net operating income | $9,131,000 | 738 |
| Securities gains (losses) | $148,000 | 943 |
| Applicable income taxes | $3,192,000 | 686 |
| Income before extraordinary items | $6,087,000 | 825 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $6,087,000 | 826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $3,130,000 | 675 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,989,320 | 802 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,312,000 | 1,216 |
| Total interest expense | $2,014,000 | 1,955 |
| Net interest income | $9,298,000 | 1,050 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $1,271,000 | 1,829 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $662,000 | 1,338 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $609,000 | 1,905 |
| Total noninterest expense | $4,462,000 | 1,792 |
| Salaries and employee benefits | $1,882,000 | 2,302 |
| Premises and equipment expense | $624,000 | 1,835 |
| Additional noninterest expense | $1,956,000 | 1,239 |
| Pre-tax net operating income | $6,007,000 | 743 |
| Securities gains (losses) | $148,000 | 794 |
| Applicable income taxes | $2,121,000 | 693 |
| Income before extraordinary items | $4,034,000 | 813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,034,000 | 813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,038 |
| Cash dividends | $1,044,000 | 1,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,936,320 | 796 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,625,000 | 1,229 |
| Total interest expense | $1,004,000 | 1,985 |
| Net interest income | $4,621,000 | 1,070 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $617,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $319,000 | 1,342 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $298,000 | 1,895 |
| Total noninterest expense | $2,191,000 | 1,832 |
| Salaries and employee benefits | $886,000 | 2,440 |
| Premises and equipment expense | $314,000 | 1,850 |
| Additional noninterest expense | $991,000 | 1,216 |
| Pre-tax net operating income | $3,047,000 | 735 |
| Securities gains (losses) | $80,000 | 921 |
| Applicable income taxes | $1,087,000 | 687 |
| Income before extraordinary items | $2,040,000 | 816 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,040,000 | 816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,919 |
| Cash dividends | $1,044,000 | 645 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,988,000 | 785 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,623,000 | 1,301 |
| Total interest expense | $4,269,000 | 2,086 |
| Net interest income | $17,354,000 | 1,113 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $2,625,000 | 1,871 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,337,000 | 1,298 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,288,000 | 2,019 |
| Total noninterest expense | $8,620,000 | 1,840 |
| Salaries and employee benefits | $3,607,000 | 2,354 |
| Premises and equipment expense | $1,140,000 | 1,998 |
| Additional noninterest expense | $3,873,000 | 1,283 |
| Pre-tax net operating income | $11,359,000 | 766 |
| Securities gains (losses) | $522,000 | 727 |
| Applicable income taxes | $4,316,000 | 695 |
| Income before extraordinary items | $7,565,000 | 858 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,565,000 | 860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,345 |
| Cash dividends | $2,860,000 | 1,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,230,920 | 837 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,094,000 | 1,345 |
| Total interest expense | $3,292,000 | 2,110 |
| Net interest income | $12,802,000 | 1,150 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $1,947,000 | 1,948 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $984,000 | 1,325 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $963,000 | 2,108 |
| Total noninterest expense | $6,272,000 | 1,893 |
| Salaries and employee benefits | $2,628,000 | 2,413 |
| Premises and equipment expense | $850,000 | 2,022 |
| Additional noninterest expense | $2,794,000 | 1,321 |
| Pre-tax net operating income | $8,477,000 | 801 |
| Securities gains (losses) | $523,000 | 663 |
| Applicable income taxes | $3,269,000 | 715 |
| Income before extraordinary items | $5,731,000 | 888 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $5,731,000 | 888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,671 |
| Cash dividends | $2,145,000 | 953 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,396,280 | 868 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,789,000 | 1,357 |
| Total interest expense | $2,287,000 | 2,099 |
| Net interest income | $8,502,000 | 1,153 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,247,000 | 1,995 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $635,000 | 1,349 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $612,000 | 2,167 |
| Total noninterest expense | $4,062,000 | 1,939 |
| Salaries and employee benefits | $1,683,000 | 2,489 |
| Premises and equipment expense | $564,000 | 2,032 |
| Additional noninterest expense | $1,815,000 | 1,361 |
| Pre-tax net operating income | $5,687,000 | 786 |
| Securities gains (losses) | $465,000 | 601 |
| Applicable income taxes | $2,215,000 | 713 |
| Income before extraordinary items | $3,937,000 | 857 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,937,000 | 858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 9,010 |
| Cash dividends | $715,000 | 1,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,639,400 | 861 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,204,000 | 1,418 |
| Total interest expense | $1,165,000 | 2,103 |
| Net interest income | $4,039,000 | 1,218 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $590,000 | 2,024 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $310,000 | 1,345 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $280,000 | 2,211 |
| Total noninterest expense | $2,010,000 | 1,949 |
| Salaries and employee benefits | $803,000 | 2,614 |
| Premises and equipment expense | $295,000 | 1,937 |
| Additional noninterest expense | $912,000 | 1,325 |
| Pre-tax net operating income | $2,619,000 | 861 |
| Securities gains (losses) | $465,000 | 368 |
| Applicable income taxes | $1,183,000 | 687 |
| Income before extraordinary items | $1,901,000 | 880 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,901,000 | 879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 9,120 |
| Cash dividends | $715,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,603,400 | 967 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,089,000 | 1,458 |
| Total interest expense | $5,192,000 | 2,156 |
| Net interest income | $15,897,000 | 1,214 |
| Provision for loan and lease losses | $150,000 | 4,907 |
| Total noninterest income | $2,193,000 | 1,981 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,164,000 | 1,395 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,029,000 | 2,136 |
| Total noninterest expense | $8,586,000 | 1,767 |
| Salaries and employee benefits | $3,665,000 | 2,188 |
| Premises and equipment expense | $1,178,000 | 1,886 |
| Additional noninterest expense | $3,743,000 | 1,289 |
| Pre-tax net operating income | $9,354,000 | 917 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,527,000 | 800 |
| Income before extraordinary items | $5,827,000 | 1,076 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,827,000 | 1,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,928 |
| Cash dividends | $3,090,000 | 906 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,827,000 | 1,033 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $20,948,000 | 1,623 |
| Total interest expense | $7,509,000 | 2,137 |
| Net interest income | $13,439,000 | 1,316 |
| Provision for loan and lease losses | $250,000 | 3,605 |
| Total noninterest income | $1,671,000 | 2,315 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $966,000 | 1,531 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $705,000 | 2,565 |
| Total noninterest expense | $8,749,000 | 1,662 |
| Salaries and employee benefits | $3,314,000 | 2,263 |
| Premises and equipment expense | $1,116,000 | 1,923 |
| Additional noninterest expense | $4,319,000 | 1,104 |
| Pre-tax net operating income | $6,111,000 | 1,228 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,534,000 | 966 |
| Income before extraordinary items | $3,577,000 | 1,503 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,577,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,177 |
| Cash dividends | $2,317,000 | 1,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,577,000 | 1,442 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,720,000 | 3,838 |
| Total interest expense | $3,485,000 | 4,401 |
| Net interest income | $5,235,000 | 3,335 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $519,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $308,000 | 3,977 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $211,000 | 4,675 |
| Total noninterest expense | $3,261,000 | 3,946 |
| Salaries and employee benefits | $1,459,000 | 4,457 |
| Premises and equipment expense | $406,000 | 4,463 |
| Additional noninterest expense | $1,396,000 | 2,997 |
| Pre-tax net operating income | $2,243,000 | 3,044 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,029,000 | 2,074 |
| Income before extraordinary items | $1,214,000 | 3,831 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,214,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,985 |
| Cash dividends | $864,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $2,516,000 | 317 |
| Net operating income | $1,214,000 | 3,814 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,367,000 | 2,123 |
| Total interest expense | $5,855,000 | 2,518 |
| Net interest income | $9,512,000 | 1,835 |
| Provision for loan and lease losses | $871,000 | 1,098 |
| Total noninterest income | $981,000 | 3,131 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $652,000 | 2,038 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $329,000 | 3,807 |
| Total noninterest expense | $5,819,000 | 2,341 |
| Salaries and employee benefits | $2,771,000 | 2,535 |
| Premises and equipment expense | $800,000 | 2,542 |
| Additional noninterest expense | $2,248,000 | 1,939 |
| Pre-tax net operating income | $3,803,000 | 1,935 |
| Securities gains (losses) | $47,000 | 1,000 |
| Applicable income taxes | $1,416,000 | 1,668 |
| Income before extraordinary items | $2,434,000 | 2,152 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,434,000 | 2,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $361,000 | 1,571 |
| Cash dividends | $505,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 667 |
| Net operating income | $2,403,920 | 2,150 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,551,000 | 2,605 |
| Total interest expense | $5,171,000 | 2,898 |
| Net interest income | $7,380,000 | 2,313 |
| Provision for loan and lease losses | $664,000 | 1,377 |
| Total noninterest income | $813,000 | 3,587 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $596,000 | 2,152 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $217,000 | 4,751 |
| Total noninterest expense | $4,727,000 | 2,750 |
| Salaries and employee benefits | $2,283,000 | 2,955 |
| Premises and equipment expense | $616,000 | 3,088 |
| Additional noninterest expense | $1,828,000 | 2,283 |
| Pre-tax net operating income | $2,802,000 | 2,529 |
| Securities gains (losses) | $62,000 | 1,582 |
| Applicable income taxes | $1,033,000 | 2,258 |
| Income before extraordinary items | $1,831,000 | 2,756 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,831,000 | 2,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,765 |
| Cash dividends | $146,000 | 5,851 |
| Sale, conversion, retirement of capital stock, net | $244,000 | 658 |
| Net operating income | $1,791,320 | 2,726 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,376,000 | 3,116 |
| Total interest expense | $4,325,000 | 3,406 |
| Net interest income | $6,051,000 | 2,886 |
| Provision for loan and lease losses | $633,000 | 1,442 |
| Total noninterest income | $670,000 | 4,093 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $517,000 | 2,542 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $153,000 | 5,635 |
| Total noninterest expense | $3,837,000 | 3,295 |
| Salaries and employee benefits | $1,786,000 | 3,668 |
| Premises and equipment expense | $455,000 | 4,006 |
| Additional noninterest expense | $1,596,000 | 2,575 |
| Pre-tax net operating income | $2,251,000 | 3,190 |
| Securities gains (losses) | $-10,000 | 10,039 |
| Applicable income taxes | $817,000 | 2,882 |
| Income before extraordinary items | $1,424,000 | 3,509 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,424,000 | 3,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,319 |
| Cash dividends | $112,000 | 6,331 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 855 |
| Net operating income | $1,430,400 | 3,415 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,186,000 | 3,951 |
| Total interest expense | $3,652,000 | 4,022 |
| Net interest income | $4,534,000 | 3,878 |
| Provision for loan and lease losses | $488,000 | 1,770 |
| Total noninterest income | $468,000 | 5,394 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,809 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,505 |
| Total noninterest expense | $3,325,000 | 3,970 |
| Salaries and employee benefits | $1,566,000 | 4,154 |
| Premises and equipment expense | $448,000 | 4,127 |
| Additional noninterest expense | $1,311,000 | 3,506 |
| Pre-tax net operating income | $1,189,000 | 5,154 |
| Securities gains (losses) | $31,000 | 1,673 |
| Applicable income taxes | $470,000 | 4,359 |
| Income before extraordinary items | $750,000 | 5,525 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $750,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,667 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 869 |
| Net operating income | $730,160 | 5,572 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,928,000 | 5,252 |
| Total interest expense | $3,065,000 | 4,663 |
| Net interest income | $2,863,000 | 5,715 |
| Provision for loan and lease losses | $267,000 | 2,452 |
| Total noninterest income | $227,000 | 8,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,888 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 9,820 |
| Total noninterest expense | $2,533,000 | 4,943 |
| Salaries and employee benefits | $1,166,000 | 5,341 |
| Premises and equipment expense | $323,000 | 5,325 |
| Additional noninterest expense | $1,044,000 | 4,200 |
| Pre-tax net operating income | $290,000 | 9,823 |
| Securities gains (losses) | $144,000 | 795 |
| Applicable income taxes | $164,000 | 8,034 |
| Income before extraordinary items | $270,000 | 9,225 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $270,000 | 9,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,275 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $2,559,000 | 179 |
| Net operating income | $177,840 | 10,158 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,708,000 | 7,060 |
| Total interest expense | $1,473,000 | 6,966 |
| Net interest income | $2,235,000 | 7,005 |
| Provision for loan and lease losses | $68,000 | 5,388 |
| Total noninterest income | $146,000 | 9,773 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 7,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 10,793 |
| Total noninterest expense | $1,869,000 | 6,524 |
| Salaries and employee benefits | $795,000 | 7,238 |
| Premises and equipment expense | $219,000 | 7,072 |
| Additional noninterest expense | $855,000 | 5,402 |
| Pre-tax net operating income | $444,000 | 9,036 |
| Securities gains (losses) | $167,000 | 565 |
| Applicable income taxes | $106,000 | 9,219 |
| Income before extraordinary items | $505,000 | 7,268 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $505,000 | 7,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,491 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 1,111 |
| Net operating income | $366,390 | 8,532 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,851,000 | 8,583 |
| Total interest expense | $1,187,000 | 8,309 |
| Net interest income | $1,664,000 | 8,597 |
| Provision for loan and lease losses | $71,000 | 6,619 |
| Total noninterest income | $127,000 | 10,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $1,475,000 | 7,911 |
| Salaries and employee benefits | $728,000 | 7,795 |
| Premises and equipment expense | $193,000 | 7,830 |
| Additional noninterest expense | $554,000 | 7,731 |
| Pre-tax net operating income | $245,000 | 10,656 |
| Securities gains (losses) | $261,000 | 1,423 |
| Applicable income taxes | $31,000 | 11,357 |
| Income before extraordinary items | $475,000 | 7,742 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $475,000 | 7,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $1,501,000 | 399 |
| Net operating income | $229,660 | 10,033 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 10,264 |
| Total interest expense | $1,169,000 | 9,721 |
| Net interest income | $1,149,000 | 10,518 |
| Provision for loan and lease losses | $175,000 | 5,648 |
| Total noninterest income | $105,000 | 11,587 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 10,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 10,527 |
| Total noninterest expense | $1,285,000 | 8,715 |
| Salaries and employee benefits | $592,000 | 8,875 |
| Premises and equipment expense | $167,000 | 8,636 |
| Additional noninterest expense | $526,000 | 8,233 |
| Pre-tax net operating income | $-206,000 | 13,099 |
| Securities gains (losses) | $414,000 | 1,250 |
| Applicable income taxes | $57,000 | 11,058 |
| Income before extraordinary items | $151,000 | 11,258 |
| Extraordinary gains, net | $57,000 | 951 |
| Net income | $208,000 | 10,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 10,157 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-151,220 | 12,984 |
* 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.