Home > Somerset Hills Bank > Income and Expense
Somerset Hills Bank, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,019,000 | 2,070 |
| Total interest expense | $235,000 | 3,308 |
| Net interest income | $2,784,000 | 1,915 |
| Provision for loan and lease losses | $25,000 | 3,416 |
| Total noninterest income | $519,000 | 2,181 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $80,000 | 3,235 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $439,000 | 1,729 |
| Total noninterest expense | $2,527,000 | 1,903 |
| Salaries and employee benefits | $1,240,000 | 2,083 |
| Premises and equipment expense | $347,000 | 1,730 |
| Additional noninterest expense | $940,000 | 1,697 |
| Pre-tax net operating income | $751,000 | 2,144 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $328,000 | 1,252 |
| Income before extraordinary items | $423,000 | 2,929 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $423,000 | 2,929 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $423,000 | 2,931 |
| Net charge-offs | $-9,000 | 6,154 |
| Cash dividends | $429,000 | 1,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $423,000 | 2,840 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $13,204,000 | 1,992 |
| Total interest expense | $1,289,000 | 3,053 |
| Net interest income | $11,915,000 | 1,835 |
| Provision for loan and lease losses | $290,000 | 3,458 |
| Total noninterest income | $2,348,000 | 1,956 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $322,000 | 3,357 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,026,000 | 1,511 |
| Total noninterest expense | $9,145,000 | 2,094 |
| Salaries and employee benefits | $5,198,000 | 1,941 |
| Premises and equipment expense | $1,328,000 | 1,783 |
| Additional noninterest expense | $2,619,000 | 2,464 |
| Pre-tax net operating income | $4,828,000 | 1,412 |
| Securities gains (losses) | $500,000 | 942 |
| Applicable income taxes | $1,871,000 | 924 |
| Income before extraordinary items | $3,457,000 | 1,648 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,457,000 | 1,648 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $3,457,000 | 1,649 |
| Net charge-offs | $114,000 | 4,310 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $3,132,000 | 1,683 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,061,000 | 1,994 |
| Total interest expense | $1,022,000 | 3,024 |
| Net interest income | $9,039,000 | 1,839 |
| Provision for loan and lease losses | $240,000 | 3,256 |
| Total noninterest income | $1,683,000 | 2,019 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $233,000 | 3,454 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,450,000 | 1,559 |
| Total noninterest expense | $6,633,000 | 2,166 |
| Salaries and employee benefits | $3,932,000 | 1,920 |
| Premises and equipment expense | $1,010,000 | 1,757 |
| Additional noninterest expense | $1,691,000 | 2,821 |
| Pre-tax net operating income | $3,849,000 | 1,372 |
| Securities gains (losses) | $161,000 | 1,609 |
| Applicable income taxes | $1,413,000 | 952 |
| Income before extraordinary items | $2,597,000 | 1,691 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,597,000 | 1,690 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,597,000 | 1,692 |
| Net charge-offs | $55,000 | 4,450 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $2,492,350 | 1,651 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,763,000 | 1,989 |
| Total interest expense | $695,000 | 3,075 |
| Net interest income | $6,068,000 | 1,826 |
| Provision for loan and lease losses | $165,000 | 3,233 |
| Total noninterest income | $1,102,000 | 2,022 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $147,000 | 3,557 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $955,000 | 1,561 |
| Total noninterest expense | $4,441,000 | 2,172 |
| Salaries and employee benefits | $2,633,000 | 1,904 |
| Premises and equipment expense | $681,000 | 1,731 |
| Additional noninterest expense | $1,127,000 | 2,836 |
| Pre-tax net operating income | $2,564,000 | 1,365 |
| Securities gains (losses) | $161,000 | 1,267 |
| Applicable income taxes | $960,000 | 922 |
| Income before extraordinary items | $1,765,000 | 1,652 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,765,000 | 1,649 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,765,000 | 1,652 |
| Net charge-offs | $58,000 | 3,900 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,660,350 | 1,656 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,455,000 | 1,960 |
| Total interest expense | $356,000 | 3,104 |
| Net interest income | $3,099,000 | 1,803 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $551,000 | 2,015 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $71,000 | 3,613 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $480,000 | 1,548 |
| Total noninterest expense | $2,282,000 | 2,101 |
| Salaries and employee benefits | $1,354,000 | 1,859 |
| Premises and equipment expense | $349,000 | 1,707 |
| Additional noninterest expense | $579,000 | 2,735 |
| Pre-tax net operating income | $1,293,000 | 1,354 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $450,000 | 971 |
| Income before extraordinary items | $843,000 | 1,725 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $843,000 | 1,726 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $843,000 | 1,726 |
| Net charge-offs | $56,000 | 2,935 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $843,000 | 1,620 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,640,000 | 2,048 |
| Total interest expense | $1,793,000 | 3,002 |
| Net interest income | $11,847,000 | 1,865 |
| Provision for loan and lease losses | $220,000 | 4,524 |
| Total noninterest income | $1,993,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $286,000 | 3,680 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,707,000 | 1,510 |
| Total noninterest expense | $9,520,000 | 2,006 |
| Salaries and employee benefits | $5,280,000 | 1,849 |
| Premises and equipment expense | $1,499,000 | 1,656 |
| Additional noninterest expense | $2,741,000 | 2,395 |
| Pre-tax net operating income | $4,100,000 | 1,404 |
| Securities gains (losses) | $9,000 | 3,367 |
| Applicable income taxes | $1,258,000 | 1,133 |
| Income before extraordinary items | $2,851,000 | 1,684 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,851,000 | 1,684 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,851,000 | 1,684 |
| Net charge-offs | $113,000 | 4,872 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $2,844,790 | 1,608 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,186,000 | 2,087 |
| Total interest expense | $1,359,000 | 3,098 |
| Net interest income | $8,827,000 | 1,879 |
| Provision for loan and lease losses | $200,000 | 4,143 |
| Total noninterest income | $1,490,000 | 2,011 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $213,000 | 3,729 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,277,000 | 1,494 |
| Total noninterest expense | $7,297,000 | 1,972 |
| Salaries and employee benefits | $3,955,000 | 1,861 |
| Premises and equipment expense | $1,141,000 | 1,650 |
| Additional noninterest expense | $2,201,000 | 2,258 |
| Pre-tax net operating income | $2,820,000 | 1,564 |
| Securities gains (losses) | $9,000 | 3,085 |
| Applicable income taxes | $817,000 | 1,266 |
| Income before extraordinary items | $2,012,000 | 1,823 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,012,000 | 1,823 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,012,000 | 1,823 |
| Net charge-offs | $108,000 | 4,355 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,005,610 | 1,752 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,702,000 | 2,131 |
| Total interest expense | $914,000 | 3,171 |
| Net interest income | $5,788,000 | 1,908 |
| Provision for loan and lease losses | $105,000 | 4,333 |
| Total noninterest income | $756,000 | 2,410 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $144,000 | 3,664 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $612,000 | 1,847 |
| Total noninterest expense | $4,577,000 | 2,107 |
| Salaries and employee benefits | $2,584,000 | 1,896 |
| Premises and equipment expense | $774,000 | 1,637 |
| Additional noninterest expense | $1,219,000 | 2,707 |
| Pre-tax net operating income | $1,862,000 | 1,556 |
| Securities gains (losses) | $9,000 | 2,392 |
| Applicable income taxes | $610,000 | 1,140 |
| Income before extraordinary items | $1,261,000 | 1,875 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,261,000 | 1,875 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,261,000 | 1,875 |
| Net charge-offs | $-6,000 | 6,894 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,254,970 | 1,813 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 2,155 |
| Total interest expense | $450,000 | 3,316 |
| Net interest income | $2,875,000 | 1,919 |
| Provision for loan and lease losses | $75,000 | 3,668 |
| Total noninterest income | $387,000 | 2,408 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $75,000 | 3,563 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $312,000 | 1,869 |
| Total noninterest expense | $2,325,000 | 2,087 |
| Salaries and employee benefits | $1,305,000 | 1,901 |
| Premises and equipment expense | $412,000 | 1,559 |
| Additional noninterest expense | $608,000 | 2,693 |
| Pre-tax net operating income | $862,000 | 1,663 |
| Securities gains (losses) | $9,000 | 1,340 |
| Applicable income taxes | $277,000 | 1,192 |
| Income before extraordinary items | $594,000 | 1,932 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $594,000 | 1,931 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $594,000 | 1,932 |
| Net charge-offs | $-3,000 | 6,584 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $587,880 | 1,898 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,473,000 | 2,242 |
| Total interest expense | $2,193,000 | 3,312 |
| Net interest income | $11,280,000 | 1,927 |
| Provision for loan and lease losses | $125,000 | 5,810 |
| Total noninterest income | $2,214,000 | 1,942 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $299,000 | 3,642 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,915,000 | 1,438 |
| Total noninterest expense | $9,553,000 | 2,032 |
| Salaries and employee benefits | $5,425,000 | 1,785 |
| Premises and equipment expense | $1,665,000 | 1,533 |
| Additional noninterest expense | $2,463,000 | 2,722 |
| Pre-tax net operating income | $3,816,000 | 1,310 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $1,246,000 | 1,031 |
| Income before extraordinary items | $2,570,000 | 1,600 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,570,000 | 1,600 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,570,000 | 1,602 |
| Net charge-offs | $361,000 | 4,063 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,570,000 | 1,548 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,099,000 | 2,294 |
| Total interest expense | $1,715,000 | 3,335 |
| Net interest income | $8,384,000 | 1,977 |
| Provision for loan and lease losses | $100,000 | 5,670 |
| Total noninterest income | $1,486,000 | 2,101 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $220,000 | 3,743 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,266,000 | 1,524 |
| Total noninterest expense | $7,208,000 | 2,010 |
| Salaries and employee benefits | $4,023,000 | 1,824 |
| Premises and equipment expense | $1,270,000 | 1,532 |
| Additional noninterest expense | $1,915,000 | 2,578 |
| Pre-tax net operating income | $2,562,000 | 1,540 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $817,000 | 1,182 |
| Income before extraordinary items | $1,745,000 | 1,890 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,745,000 | 1,891 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,745,000 | 1,892 |
| Net charge-offs | $94,000 | 4,970 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,745,000 | 1,792 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,689,000 | 2,330 |
| Total interest expense | $1,189,000 | 3,328 |
| Net interest income | $5,500,000 | 2,013 |
| Provision for loan and lease losses | $75,000 | 5,435 |
| Total noninterest income | $907,000 | 2,177 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $148,000 | 3,717 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $759,000 | 1,580 |
| Total noninterest expense | $4,831,000 | 2,020 |
| Salaries and employee benefits | $2,664,000 | 1,845 |
| Premises and equipment expense | $862,000 | 1,523 |
| Additional noninterest expense | $1,305,000 | 2,530 |
| Pre-tax net operating income | $1,501,000 | 1,724 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $446,000 | 1,333 |
| Income before extraordinary items | $1,055,000 | 2,013 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,055,000 | 2,012 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,055,000 | 2,013 |
| Net charge-offs | $-2,000 | 7,211 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,055,000 | 1,928 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,309,000 | 2,409 |
| Total interest expense | $641,000 | 3,273 |
| Net interest income | $2,668,000 | 2,097 |
| Provision for loan and lease losses | $75,000 | 4,293 |
| Total noninterest income | $422,000 | 2,279 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $79,000 | 3,603 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $343,000 | 1,689 |
| Total noninterest expense | $2,427,000 | 2,028 |
| Salaries and employee benefits | $1,357,000 | 1,847 |
| Premises and equipment expense | $435,000 | 1,551 |
| Additional noninterest expense | $635,000 | 2,576 |
| Pre-tax net operating income | $588,000 | 2,128 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $155,000 | 1,706 |
| Income before extraordinary items | $433,000 | 2,417 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $433,000 | 2,416 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $433,000 | 2,417 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $433,000 | 2,328 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,854,000 | 2,413 |
| Total interest expense | $3,391,000 | 3,118 |
| Net interest income | $10,463,000 | 2,098 |
| Provision for loan and lease losses | $950,000 | 3,582 |
| Total noninterest income | $2,931,000 | 1,642 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $293,000 | 3,915 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,638,000 | 1,132 |
| Total noninterest expense | $10,012,000 | 2,023 |
| Salaries and employee benefits | $5,411,000 | 1,833 |
| Premises and equipment expense | $1,882,000 | 1,442 |
| Additional noninterest expense | $2,719,000 | 2,557 |
| Pre-tax net operating income | $2,432,000 | 1,614 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $441,000 | 1,668 |
| Income before extraordinary items | $1,991,000 | 1,686 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,991,000 | 1,684 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,991,000 | 1,685 |
| Net charge-offs | $658,000 | 3,436 |
| Cash dividends | $259,000 | 3,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,991,000 | 1,634 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,394,000 | 2,440 |
| Total interest expense | $2,625,000 | 3,175 |
| Net interest income | $7,769,000 | 2,114 |
| Provision for loan and lease losses | $750,000 | 3,186 |
| Total noninterest income | $2,381,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $207,000 | 4,068 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,174,000 | 1,089 |
| Total noninterest expense | $7,700,000 | 1,953 |
| Salaries and employee benefits | $4,132,000 | 1,822 |
| Premises and equipment expense | $1,446,000 | 1,423 |
| Additional noninterest expense | $2,122,000 | 2,440 |
| Pre-tax net operating income | $1,700,000 | 1,847 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $227,000 | 2,192 |
| Income before extraordinary items | $1,473,000 | 1,815 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,473,000 | 1,814 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,473,000 | 1,815 |
| Net charge-offs | $655,000 | 2,702 |
| Cash dividends | $259,000 | 2,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,473,000 | 1,766 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,902,000 | 2,492 |
| Total interest expense | $1,795,000 | 3,236 |
| Net interest income | $5,107,000 | 2,138 |
| Provision for loan and lease losses | $600,000 | 2,697 |
| Total noninterest income | $1,787,000 | 1,454 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $135,000 | 4,079 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,652,000 | 1,025 |
| Total noninterest expense | $5,263,000 | 1,936 |
| Salaries and employee benefits | $2,756,000 | 1,839 |
| Premises and equipment expense | $978,000 | 1,430 |
| Additional noninterest expense | $1,529,000 | 2,296 |
| Pre-tax net operating income | $1,031,000 | 2,058 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $32,000 | 3,439 |
| Income before extraordinary items | $999,000 | 1,845 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $999,000 | 1,842 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $999,000 | 1,844 |
| Net charge-offs | $645,000 | 2,063 |
| Cash dividends | $259,000 | 2,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $999,000 | 1,790 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,464,000 | 2,507 |
| Total interest expense | $881,000 | 3,372 |
| Net interest income | $2,583,000 | 2,118 |
| Provision for loan and lease losses | $450,000 | 1,876 |
| Total noninterest income | $1,071,000 | 1,208 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $71,000 | 3,933 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,000,000 | 854 |
| Total noninterest expense | $2,654,000 | 1,875 |
| Salaries and employee benefits | $1,474,000 | 1,765 |
| Premises and equipment expense | $508,000 | 1,394 |
| Additional noninterest expense | $672,000 | 2,312 |
| Pre-tax net operating income | $550,000 | 2,207 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-82,000 | 7,521 |
| Income before extraordinary items | $632,000 | 1,699 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $632,000 | 1,700 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $632,000 | 1,701 |
| Net charge-offs | $646,000 | 1,201 |
| Cash dividends | $259,000 | 1,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $632,000 | 1,614 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,988,000 | 2,464 |
| Total interest expense | $4,275,000 | 3,345 |
| Net interest income | $10,713,000 | 2,067 |
| Provision for loan and lease losses | $515,000 | 3,758 |
| Total noninterest income | $1,740,000 | 2,373 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $313,000 | 3,941 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,427,000 | 1,658 |
| Total noninterest expense | $9,739,000 | 1,982 |
| Salaries and employee benefits | $5,119,000 | 1,964 |
| Premises and equipment expense | $1,917,000 | 1,444 |
| Additional noninterest expense | $2,703,000 | 2,206 |
| Pre-tax net operating income | $2,199,000 | 2,292 |
| Securities gains (losses) | $7,000 | 2,644 |
| Applicable income taxes | $599,000 | 1,672 |
| Income before extraordinary items | $1,607,000 | 2,397 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,607,000 | 2,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $897,000 | 2,083 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,601,890 | 2,539 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,337,000 | 2,497 |
| Total interest expense | $3,259,000 | 3,415 |
| Net interest income | $8,078,000 | 2,076 |
| Provision for loan and lease losses | $365,000 | 3,221 |
| Total noninterest income | $1,467,000 | 2,242 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $225,000 | 4,035 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,242,000 | 1,561 |
| Total noninterest expense | $7,415,000 | 1,933 |
| Salaries and employee benefits | $3,901,000 | 1,976 |
| Premises and equipment expense | $1,451,000 | 1,438 |
| Additional noninterest expense | $2,063,000 | 2,103 |
| Pre-tax net operating income | $1,765,000 | 2,515 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $499,000 | 1,902 |
| Income before extraordinary items | $1,266,000 | 2,654 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,266,000 | 2,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $507,000 | 1,948 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,266,000 | 2,784 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,632,000 | 2,515 |
| Total interest expense | $2,294,000 | 3,399 |
| Net interest income | $5,338,000 | 2,079 |
| Provision for loan and lease losses | $215,000 | 3,032 |
| Total noninterest income | $987,000 | 2,252 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $142,000 | 4,148 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $845,000 | 1,578 |
| Total noninterest expense | $4,955,000 | 1,938 |
| Salaries and employee benefits | $2,604,000 | 1,998 |
| Premises and equipment expense | $958,000 | 1,458 |
| Additional noninterest expense | $1,393,000 | 2,052 |
| Pre-tax net operating income | $1,155,000 | 2,665 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $323,000 | 2,128 |
| Income before extraordinary items | $832,000 | 2,974 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $832,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 1,572 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $832,000 | 2,930 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,951,000 | 2,499 |
| Total interest expense | $1,289,000 | 3,276 |
| Net interest income | $2,662,000 | 2,090 |
| Provision for loan and lease losses | $70,000 | 3,305 |
| Total noninterest income | $465,000 | 2,337 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $66,000 | 4,266 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $399,000 | 1,633 |
| Total noninterest expense | $2,426,000 | 1,975 |
| Salaries and employee benefits | $1,299,000 | 2,030 |
| Premises and equipment expense | $484,000 | 1,436 |
| Additional noninterest expense | $643,000 | 2,175 |
| Pre-tax net operating income | $631,000 | 2,611 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $176,000 | 2,125 |
| Income before extraordinary items | $455,000 | 2,904 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $455,000 | 2,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,506 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $455,000 | 2,822 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,867,000 | 2,302 |
| Total interest expense | $7,142,000 | 2,571 |
| Net interest income | $10,725,000 | 2,106 |
| Provision for loan and lease losses | $1,031,000 | 1,391 |
| Total noninterest income | $2,383,000 | 1,960 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $329,000 | 3,899 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,054,000 | 1,344 |
| Total noninterest expense | $11,120,000 | 1,659 |
| Salaries and employee benefits | $5,152,000 | 1,953 |
| Premises and equipment expense | $1,864,000 | 1,436 |
| Additional noninterest expense | $4,104,000 | 1,368 |
| Pre-tax net operating income | $957,000 | 4,823 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $539,000 | 2,638 |
| Income before extraordinary items | $421,000 | 5,979 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $421,000 | 5,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $419,080 | 5,978 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,515,000 | 2,295 |
| Total interest expense | $5,634,000 | 2,457 |
| Net interest income | $7,881,000 | 2,165 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $1,838,000 | 1,912 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $255,000 | 3,837 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,583,000 | 1,332 |
| Total noninterest expense | $7,420,000 | 1,849 |
| Salaries and employee benefits | $3,942,000 | 1,905 |
| Premises and equipment expense | $1,418,000 | 1,396 |
| Additional noninterest expense | $2,060,000 | 1,956 |
| Pre-tax net operating income | $2,254,000 | 2,618 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $666,000 | 2,151 |
| Income before extraordinary items | $1,588,000 | 2,847 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,588,000 | 2,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,588,000 | 2,835 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,865,000 | 2,353 |
| Total interest expense | $3,710,000 | 2,482 |
| Net interest income | $5,155,000 | 2,231 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,272,000 | 1,871 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $169,000 | 3,845 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,103,000 | 1,312 |
| Total noninterest expense | $4,884,000 | 1,891 |
| Salaries and employee benefits | $2,593,000 | 1,964 |
| Premises and equipment expense | $922,000 | 1,442 |
| Additional noninterest expense | $1,369,000 | 1,970 |
| Pre-tax net operating income | $1,543,000 | 2,625 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $470,000 | 2,155 |
| Income before extraordinary items | $1,073,000 | 2,877 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,073,000 | 2,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,073,000 | 2,859 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,380,000 | 2,375 |
| Total interest expense | $1,836,000 | 2,490 |
| Net interest income | $2,544,000 | 2,263 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $598,000 | 1,948 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $79,000 | 3,930 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $519,000 | 1,326 |
| Total noninterest expense | $2,378,000 | 1,943 |
| Salaries and employee benefits | $1,260,000 | 2,045 |
| Premises and equipment expense | $454,000 | 1,471 |
| Additional noninterest expense | $664,000 | 1,990 |
| Pre-tax net operating income | $764,000 | 2,638 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $239,000 | 2,155 |
| Income before extraordinary items | $525,000 | 2,906 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $525,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $525,000 | 2,891 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,782,000 | 2,450 |
| Total interest expense | $6,054,000 | 2,570 |
| Net interest income | $9,728,000 | 2,343 |
| Provision for loan and lease losses | $201,000 | 3,514 |
| Total noninterest income | $2,869,000 | 1,699 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $283,000 | 4,235 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,586,000 | 1,109 |
| Total noninterest expense | $8,999,000 | 1,957 |
| Salaries and employee benefits | $4,867,000 | 2,004 |
| Premises and equipment expense | $1,603,000 | 1,597 |
| Additional noninterest expense | $2,529,000 | 2,086 |
| Pre-tax net operating income | $3,397,000 | 2,540 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,176,000 | 1,977 |
| Income before extraordinary items | $2,221,000 | 2,872 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,221,000 | 2,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,221,000 | 2,861 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,504,000 | 2,491 |
| Total interest expense | $4,303,000 | 2,619 |
| Net interest income | $7,201,000 | 2,397 |
| Provision for loan and lease losses | $201,000 | 2,853 |
| Total noninterest income | $2,025,000 | 1,782 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $217,000 | 4,242 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,808,000 | 1,184 |
| Total noninterest expense | $6,654,000 | 1,982 |
| Salaries and employee benefits | $3,634,000 | 2,002 |
| Premises and equipment expense | $1,178,000 | 1,637 |
| Additional noninterest expense | $1,842,000 | 2,117 |
| Pre-tax net operating income | $2,371,000 | 2,775 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $821,000 | 2,161 |
| Income before extraordinary items | $1,550,000 | 3,135 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,550,000 | 3,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,550,000 | 3,122 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,378,000 | 2,548 |
| Total interest expense | $2,614,000 | 2,717 |
| Net interest income | $4,764,000 | 2,420 |
| Provision for loan and lease losses | $126,000 | 2,915 |
| Total noninterest income | $1,184,000 | 1,976 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $150,000 | 4,140 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,034,000 | 1,318 |
| Total noninterest expense | $4,325,000 | 2,033 |
| Salaries and employee benefits | $2,344,000 | 2,085 |
| Premises and equipment expense | $788,000 | 1,636 |
| Additional noninterest expense | $1,193,000 | 2,186 |
| Pre-tax net operating income | $1,497,000 | 2,883 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $525,000 | 2,237 |
| Income before extraordinary items | $972,000 | 3,283 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $972,000 | 3,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $972,000 | 3,275 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,551,000 | 2,588 |
| Total interest expense | $1,226,000 | 2,749 |
| Net interest income | $2,325,000 | 2,456 |
| Provision for loan and lease losses | $76,000 | 2,386 |
| Total noninterest income | $656,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $75,000 | 4,076 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $581,000 | 1,201 |
| Total noninterest expense | $2,148,000 | 2,057 |
| Salaries and employee benefits | $1,134,000 | 2,173 |
| Premises and equipment expense | $390,000 | 1,653 |
| Additional noninterest expense | $624,000 | 2,080 |
| Pre-tax net operating income | $757,000 | 2,811 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $270,000 | 2,149 |
| Income before extraordinary items | $487,000 | 3,231 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $487,000 | 3,230 |
| 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 | $487,000 | 3,208 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,605,000 | 2,783 |
| Total interest expense | $3,194,000 | 3,159 |
| Net interest income | $8,411,000 | 2,588 |
| Provision for loan and lease losses | $392,000 | 2,306 |
| Total noninterest income | $2,941,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $273,000 | 4,391 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,668,000 | 1,106 |
| Total noninterest expense | $8,403,000 | 1,988 |
| Salaries and employee benefits | $4,192,000 | 2,188 |
| Premises and equipment expense | $1,397,000 | 1,736 |
| Additional noninterest expense | $2,814,000 | 1,793 |
| Pre-tax net operating income | $2,557,000 | 3,115 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $429,000 | 3,592 |
| Income before extraordinary items | $2,126,000 | 2,936 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,126,000 | 2,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,127,660 | 2,906 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,130,000 | 2,890 |
| Total interest expense | $2,179,000 | 3,266 |
| Net interest income | $5,951,000 | 2,699 |
| Provision for loan and lease losses | $249,000 | 2,565 |
| Total noninterest income | $2,131,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $203,000 | 4,427 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,928,000 | 1,154 |
| Total noninterest expense | $6,241,000 | 1,986 |
| Salaries and employee benefits | $3,103,000 | 2,196 |
| Premises and equipment expense | $1,061,000 | 1,715 |
| Additional noninterest expense | $2,077,000 | 1,799 |
| Pre-tax net operating income | $1,592,000 | 3,594 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $527,000 | 2,845 |
| Income before extraordinary items | $1,063,000 | 3,998 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,063,000 | 3,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,064,340 | 3,947 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,025,000 | 3,018 |
| Total interest expense | $1,282,000 | 3,471 |
| Net interest income | $3,743,000 | 2,816 |
| Provision for loan and lease losses | $57,000 | 4,394 |
| Total noninterest income | $1,281,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $136,000 | 4,370 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,145,000 | 1,222 |
| Total noninterest expense | $4,106,000 | 2,010 |
| Salaries and employee benefits | $2,004,000 | 2,254 |
| Premises and equipment expense | $714,000 | 1,678 |
| Additional noninterest expense | $1,388,000 | 1,777 |
| Pre-tax net operating income | $861,000 | 4,102 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $254,000 | 3,383 |
| Income before extraordinary items | $607,000 | 4,387 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $607,000 | 4,388 |
| 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 | $607,000 | 4,336 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,342,000 | 3,173 |
| Total interest expense | $578,000 | 3,603 |
| Net interest income | $1,764,000 | 2,970 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $581,000 | 1,923 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $69,000 | 4,296 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $512,000 | 1,321 |
| Total noninterest expense | $2,033,000 | 2,033 |
| Salaries and employee benefits | $1,002,000 | 2,275 |
| Premises and equipment expense | $363,000 | 1,668 |
| Additional noninterest expense | $668,000 | 1,840 |
| Pre-tax net operating income | $312,000 | 4,893 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $50,000 | 4,748 |
| Income before extraordinary items | $262,000 | 4,732 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $262,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $262,000 | 4,693 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,202,000 | 3,355 |
| Total interest expense | $2,019,000 | 3,625 |
| Net interest income | $6,183,000 | 3,210 |
| Provision for loan and lease losses | $225,000 | 3,491 |
| Total noninterest income | $2,836,000 | 1,685 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $289,000 | 4,400 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,547,000 | 1,112 |
| Total noninterest expense | $7,331,000 | 2,173 |
| Salaries and employee benefits | $3,707,000 | 2,340 |
| Premises and equipment expense | $1,242,000 | 1,850 |
| Additional noninterest expense | $2,382,000 | 2,054 |
| Pre-tax net operating income | $1,463,000 | 4,307 |
| Securities gains (losses) | $9,000 | 2,866 |
| Applicable income taxes | $113,000 | 5,394 |
| Income before extraordinary items | $1,359,000 | 3,884 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,359,000 | 3,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,350,720 | 3,837 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,901,000 | 3,432 |
| Total interest expense | $1,494,000 | 3,622 |
| Net interest income | $4,407,000 | 3,331 |
| Provision for loan and lease losses | $150,000 | 3,509 |
| Total noninterest income | $2,177,000 | 1,659 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $214,000 | 4,460 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,963,000 | 1,103 |
| Total noninterest expense | $5,418,000 | 2,189 |
| Salaries and employee benefits | $2,769,000 | 2,334 |
| Premises and equipment expense | $909,000 | 1,896 |
| Additional noninterest expense | $1,740,000 | 2,076 |
| Pre-tax net operating income | $1,016,000 | 4,567 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $71,000 | 5,694 |
| Income before extraordinary items | $945,000 | 4,147 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $945,000 | 4,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,418 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $945,000 | 4,078 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,754,000 | 3,556 |
| Total interest expense | $996,000 | 3,610 |
| Net interest income | $2,758,000 | 3,493 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $1,442,000 | 1,663 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $138,000 | 4,532 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,304,000 | 1,107 |
| Total noninterest expense | $3,538,000 | 2,227 |
| Salaries and employee benefits | $1,805,000 | 2,386 |
| Premises and equipment expense | $585,000 | 1,959 |
| Additional noninterest expense | $1,148,000 | 2,105 |
| Pre-tax net operating income | $562,000 | 4,997 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $27,000 | 6,108 |
| Income before extraordinary items | $535,000 | 4,571 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $535,000 | 4,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $535,000 | 4,478 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,834,000 | 3,642 |
| Total interest expense | $516,000 | 3,537 |
| Net interest income | $1,318,000 | 3,610 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $561,000 | 1,990 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $67,000 | 4,509 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $494,000 | 1,309 |
| Total noninterest expense | $1,657,000 | 2,411 |
| Salaries and employee benefits | $866,000 | 2,504 |
| Premises and equipment expense | $294,000 | 1,968 |
| Additional noninterest expense | $497,000 | 2,374 |
| Pre-tax net operating income | $222,000 | 5,585 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $222,000 | 5,068 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $222,000 | 5,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $222,000 | 4,937 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,883,000 | 3,487 |
| Total interest expense | $2,583,000 | 3,262 |
| Net interest income | $5,300,000 | 3,532 |
| Provision for loan and lease losses | $336,000 | 2,926 |
| Total noninterest income | $4,564,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $185,000 | 5,437 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,379,000 | 838 |
| Total noninterest expense | $8,217,000 | 1,933 |
| Salaries and employee benefits | $4,593,000 | 1,874 |
| Premises and equipment expense | $1,131,000 | 2,016 |
| Additional noninterest expense | $2,493,000 | 1,932 |
| Pre-tax net operating income | $1,311,000 | 4,464 |
| Securities gains (losses) | $6,000 | 3,841 |
| Applicable income taxes | $144,000 | 5,328 |
| Income before extraordinary items | $1,173,000 | 4,192 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,173,000 | 4,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,104 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,167,660 | 4,040 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,118,000 | 3,438 |
| Total interest expense | $1,995,000 | 3,297 |
| Net interest income | $4,123,000 | 3,432 |
| Provision for loan and lease losses | $326,000 | 2,358 |
| Total noninterest income | $3,468,000 | 1,227 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $136,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,332,000 | 858 |
| Total noninterest expense | $6,303,000 | 1,884 |
| Salaries and employee benefits | $3,447,000 | 1,877 |
| Premises and equipment expense | $864,000 | 1,981 |
| Additional noninterest expense | $1,992,000 | 1,811 |
| Pre-tax net operating income | $962,000 | 4,653 |
| Securities gains (losses) | $6,000 | 3,549 |
| Applicable income taxes | $132,000 | 5,265 |
| Income before extraordinary items | $836,000 | 4,479 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $836,000 | 4,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,327 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $830,840 | 4,328 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,882,000 | 3,596 |
| Total interest expense | $1,331,000 | 3,377 |
| Net interest income | $2,551,000 | 3,641 |
| Provision for loan and lease losses | $212,000 | 2,399 |
| Total noninterest income | $2,222,000 | 1,261 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $87,000 | 5,574 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,135,000 | 877 |
| Total noninterest expense | $4,101,000 | 1,923 |
| Salaries and employee benefits | $2,188,000 | 1,947 |
| Premises and equipment expense | $560,000 | 2,046 |
| Additional noninterest expense | $1,353,000 | 1,775 |
| Pre-tax net operating income | $460,000 | 5,529 |
| Securities gains (losses) | $6,000 | 3,151 |
| Applicable income taxes | $84,000 | 5,355 |
| Income before extraordinary items | $382,000 | 5,532 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $382,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,832 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $377,080 | 5,354 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 3,763 |
| Total interest expense | $675,000 | 3,413 |
| Net interest income | $1,163,000 | 3,916 |
| Provision for loan and lease losses | $76,000 | 2,787 |
| Total noninterest income | $942,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $37,000 | 5,850 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $905,000 | 959 |
| Total noninterest expense | $1,886,000 | 2,074 |
| Salaries and employee benefits | $1,013,000 | 2,084 |
| Premises and equipment expense | $287,000 | 1,984 |
| Additional noninterest expense | $586,000 | 2,005 |
| Pre-tax net operating income | $143,000 | 6,558 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $39,000 | 5,433 |
| Income before extraordinary items | $110,000 | 6,717 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $110,000 | 6,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $105,560 | 6,632 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,759,000 | 4,168 |
| Total interest expense | $2,773,000 | 3,771 |
| Net interest income | $3,986,000 | 4,361 |
| Provision for loan and lease losses | $448,000 | 2,598 |
| Total noninterest income | $3,258,000 | 1,474 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $106,000 | 6,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,152,000 | 968 |
| Total noninterest expense | $6,519,000 | 2,293 |
| Salaries and employee benefits | $3,549,000 | 2,254 |
| Premises and equipment expense | $1,038,000 | 2,107 |
| Additional noninterest expense | $1,932,000 | 2,381 |
| Pre-tax net operating income | $277,000 | 7,638 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $108,000 | 5,890 |
| Income before extraordinary items | $179,000 | 7,950 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $179,000 | 7,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 4,660 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 187 |
| Net operating income | $172,600 | 7,870 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,499,000 | 4,675 |
| Total interest expense | $3,690,000 | 4,049 |
| Net interest income | $2,809,000 | 5,305 |
| Provision for loan and lease losses | $584,000 | 1,952 |
| Total noninterest income | $2,821,000 | 1,551 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $69,000 | 7,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,752,000 | 1,008 |
| Total noninterest expense | $5,473,000 | 2,587 |
| Salaries and employee benefits | $3,147,000 | 2,385 |
| Premises and equipment expense | $840,000 | 2,507 |
| Additional noninterest expense | $1,486,000 | 2,895 |
| Pre-tax net operating income | $-427,000 | 9,124 |
| Securities gains (losses) | $75,000 | 1,993 |
| Applicable income taxes | $77,000 | 6,310 |
| Income before extraordinary items | $-429,000 | 9,198 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-429,000 | 9,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,915 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-504,000 | 9,205 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,843,000 | 5,857 |
| Total interest expense | $2,804,000 | 5,177 |
| Net interest income | $2,039,000 | 6,507 |
| Provision for loan and lease losses | $233,000 | 3,434 |
| Total noninterest income | $1,531,000 | 2,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 7,545 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,478,000 | 1,392 |
| Total noninterest expense | $4,300,000 | 3,134 |
| Salaries and employee benefits | $2,426,000 | 2,913 |
| Premises and equipment expense | $675,000 | 2,959 |
| Additional noninterest expense | $1,199,000 | 3,436 |
| Pre-tax net operating income | $-963,000 | 9,714 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $22,000 | 7,798 |
| Income before extraordinary items | $-985,000 | 9,723 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-985,000 | 9,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,170 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $1,100,000 | 426 |
| Net operating income | $-985,000 | 9,728 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 8,591 |
| Total interest expense | $870,000 | 8,523 |
| Net interest income | $1,048,000 | 8,519 |
| Provision for loan and lease losses | $230,000 | 3,261 |
| Total noninterest income | $84,000 | 9,074 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $20,000 | 8,498 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 7,600 |
| Total noninterest expense | $2,342,000 | 5,101 |
| Salaries and employee benefits | $1,267,000 | 4,964 |
| Premises and equipment expense | $251,000 | 6,029 |
| Additional noninterest expense | $824,000 | 4,679 |
| Pre-tax net operating income | $-1,440,000 | 10,128 |
| Securities gains (losses) | $-27,000 | 9,628 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,467,000 | 10,130 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,467,000 | 10,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,178 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-1,440,000 | 10,122 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $382,000 | 10,280 |
| Total interest expense | $1,000 | 10,435 |
| Net interest income | $381,000 | 10,104 |
| Provision for loan and lease losses | $1,000 | 8,622 |
| Total noninterest income | $0 | 10,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $0 | 10,383 |
| Total noninterest expense | $792,000 | 8,797 |
| Salaries and employee benefits | $380,000 | 9,090 |
| Premises and equipment expense | $61,000 | 9,545 |
| Additional noninterest expense | $351,000 | 7,656 |
| Pre-tax net operating income | $-412,000 | 10,144 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-412,000 | 10,190 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-412,000 | 10,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $14,766,000 | 64 |
| Net operating income | $-412,000 | 10,164 |
* 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.