Home > South Central Bank of Bowling Green, Inc. > Income and Expense
South Central Bank of Bowling Green, Inc., Income and Expense
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $7,984,000 | 2,894 |
| Total interest expense | $861,000 | 2,889 |
| Net interest income | $7,123,000 | 2,850 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $3,290,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $888,000 | 1,447 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,402,000 | 1,279 |
| Total noninterest expense | $8,057,000 | 2,311 |
| Salaries and employee benefits | $3,081,000 | 3,015 |
| Premises and equipment expense | $643,000 | 3,079 |
| Additional noninterest expense | $4,333,000 | 1,457 |
| Pre-tax net operating income | $2,356,000 | 2,695 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $703,000 | 1,889 |
| Income before extraordinary items | $1,653,000 | 3,067 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,653,000 | 3,067 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,653,000 | 3,068 |
| Net charge-offs | $96,000 | 3,220 |
| Cash dividends | $2,000,000 | 1,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,653,000 | 3,013 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $5,859,000 | 2,961 |
| Total interest expense | $650,000 | 2,920 |
| Net interest income | $5,209,000 | 2,939 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $2,468,000 | 1,463 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $662,000 | 1,458 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,806,000 | 1,278 |
| Total noninterest expense | $6,009,000 | 2,322 |
| Salaries and employee benefits | $2,298,000 | 3,050 |
| Premises and equipment expense | $490,000 | 3,080 |
| Additional noninterest expense | $3,221,000 | 1,476 |
| Pre-tax net operating income | $1,668,000 | 2,841 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $495,000 | 1,999 |
| Income before extraordinary items | $1,173,000 | 3,193 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,173,000 | 3,193 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,173,000 | 3,194 |
| Net charge-offs | $93,000 | 2,756 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,173,000 | 3,152 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $3,911,000 | 2,967 |
| Total interest expense | $434,000 | 2,945 |
| Net interest income | $3,477,000 | 2,936 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $1,660,000 | 1,450 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $422,000 | 1,496 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,238,000 | 1,255 |
| Total noninterest expense | $3,998,000 | 2,333 |
| Salaries and employee benefits | $1,517,000 | 3,092 |
| Premises and equipment expense | $328,000 | 3,094 |
| Additional noninterest expense | $2,153,000 | 1,466 |
| Pre-tax net operating income | $1,139,000 | 2,745 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $340,000 | 1,940 |
| Income before extraordinary items | $799,000 | 3,092 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $799,000 | 3,098 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $799,000 | 3,098 |
| Net charge-offs | $91,000 | 2,276 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $799,000 | 3,045 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,012,000 | 2,912 |
| Total interest expense | $217,000 | 2,982 |
| Net interest income | $1,795,000 | 2,869 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $732,000 | 1,541 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $203,000 | 1,529 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $529,000 | 1,360 |
| Total noninterest expense | $1,986,000 | 2,348 |
| Salaries and employee benefits | $763,000 | 3,099 |
| Premises and equipment expense | $166,000 | 3,128 |
| Additional noninterest expense | $1,057,000 | 1,483 |
| Pre-tax net operating income | $541,000 | 2,753 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $160,000 | 1,937 |
| Income before extraordinary items | $381,000 | 3,099 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $381,000 | 3,102 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $381,000 | 3,102 |
| Net charge-offs | $77,000 | 1,534 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $381,000 | 3,059 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $8,170,000 | 2,896 |
| Total interest expense | $1,054,000 | 2,835 |
| Net interest income | $7,116,000 | 2,875 |
| Provision for loan and lease losses | $156,000 | 3,236 |
| Total noninterest income | $3,366,000 | 1,488 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $893,000 | 1,500 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,473,000 | 1,303 |
| Total noninterest expense | $8,136,000 | 2,299 |
| Salaries and employee benefits | $2,985,000 | 3,121 |
| Premises and equipment expense | $652,000 | 3,107 |
| Additional noninterest expense | $4,499,000 | 1,471 |
| Pre-tax net operating income | $2,190,000 | 2,687 |
| Securities gains (losses) | $2,000 | 2,972 |
| Applicable income taxes | $665,000 | 1,861 |
| Income before extraordinary items | $1,527,000 | 3,123 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,527,000 | 3,125 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,527,000 | 3,126 |
| Net charge-offs | $380,000 | 2,311 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,525,600 | 3,065 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,251,000 | 2,868 |
| Total interest expense | $819,000 | 2,845 |
| Net interest income | $5,432,000 | 2,846 |
| Provision for loan and lease losses | $156,000 | 2,889 |
| Total noninterest income | $2,461,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $659,000 | 1,523 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,802,000 | 1,361 |
| Total noninterest expense | $6,188,000 | 2,291 |
| Salaries and employee benefits | $2,313,000 | 3,077 |
| Premises and equipment expense | $494,000 | 3,124 |
| Additional noninterest expense | $3,381,000 | 1,463 |
| Pre-tax net operating income | $1,549,000 | 2,862 |
| Securities gains (losses) | $2,000 | 2,831 |
| Applicable income taxes | $468,000 | 1,973 |
| Income before extraordinary items | $1,083,000 | 3,268 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,083,000 | 3,271 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,083,000 | 3,272 |
| Net charge-offs | $383,000 | 1,869 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,081,600 | 3,201 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,180,000 | 2,857 |
| Total interest expense | $573,000 | 2,805 |
| Net interest income | $3,607,000 | 2,846 |
| Provision for loan and lease losses | $124,000 | 2,695 |
| Total noninterest income | $1,678,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $425,000 | 1,540 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,253,000 | 1,352 |
| Total noninterest expense | $4,209,000 | 2,251 |
| Salaries and employee benefits | $1,573,000 | 3,053 |
| Premises and equipment expense | $332,000 | 3,127 |
| Additional noninterest expense | $2,304,000 | 1,422 |
| Pre-tax net operating income | $952,000 | 2,990 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $284,000 | 2,074 |
| Income before extraordinary items | $670,000 | 3,401 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $670,000 | 3,402 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $670,000 | 3,404 |
| Net charge-offs | $242,000 | 1,907 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $668,600 | 3,313 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,125,000 | 2,842 |
| Total interest expense | $296,000 | 2,805 |
| Net interest income | $1,829,000 | 2,821 |
| Provision for loan and lease losses | $124,000 | 1,877 |
| Total noninterest income | $751,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $201,000 | 1,613 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $550,000 | 1,469 |
| Total noninterest expense | $2,124,000 | 2,241 |
| Salaries and employee benefits | $791,000 | 3,074 |
| Premises and equipment expense | $172,000 | 3,062 |
| Additional noninterest expense | $1,161,000 | 1,401 |
| Pre-tax net operating income | $332,000 | 3,614 |
| Securities gains (losses) | $2,000 | 1,785 |
| Applicable income taxes | $93,000 | 2,479 |
| Income before extraordinary items | $241,000 | 3,949 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $241,000 | 3,951 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $241,000 | 3,952 |
| Net charge-offs | $199,000 | 1,357 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $239,560 | 3,877 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,960,000 | 2,838 |
| Total interest expense | $1,499,000 | 2,714 |
| Net interest income | $7,461,000 | 2,828 |
| Provision for loan and lease losses | $85,000 | 4,827 |
| Total noninterest income | $3,035,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $967,000 | 1,461 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,068,000 | 1,496 |
| Total noninterest expense | $8,299,000 | 2,267 |
| Salaries and employee benefits | $3,069,000 | 3,084 |
| Premises and equipment expense | $647,000 | 3,202 |
| Additional noninterest expense | $4,583,000 | 1,470 |
| Pre-tax net operating income | $2,112,000 | 2,711 |
| Securities gains (losses) | $3,000 | 3,606 |
| Applicable income taxes | $639,000 | 1,934 |
| Income before extraordinary items | $1,476,000 | 3,162 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,476,000 | 3,162 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,476,000 | 3,162 |
| Net charge-offs | $184,000 | 3,845 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,473,900 | 3,022 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,796,000 | 2,869 |
| Total interest expense | $1,160,000 | 2,754 |
| Net interest income | $5,636,000 | 2,845 |
| Provision for loan and lease losses | $22,000 | 5,359 |
| Total noninterest income | $2,146,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $727,000 | 1,464 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,419,000 | 1,577 |
| Total noninterest expense | $6,255,000 | 2,279 |
| Salaries and employee benefits | $2,377,000 | 3,030 |
| Premises and equipment expense | $484,000 | 3,245 |
| Additional noninterest expense | $3,394,000 | 1,493 |
| Pre-tax net operating income | $1,505,000 | 2,878 |
| Securities gains (losses) | $4,000 | 3,304 |
| Applicable income taxes | $450,000 | 2,051 |
| Income before extraordinary items | $1,059,000 | 3,318 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,059,000 | 3,320 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,059,000 | 3,320 |
| Net charge-offs | $145,000 | 3,634 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,056,200 | 3,183 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,440,000 | 2,935 |
| Total interest expense | $796,000 | 2,790 |
| Net interest income | $3,644,000 | 2,930 |
| Provision for loan and lease losses | $22,000 | 5,080 |
| Total noninterest income | $1,375,000 | 1,734 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $485,000 | 1,456 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $890,000 | 1,629 |
| Total noninterest expense | $4,123,000 | 2,308 |
| Salaries and employee benefits | $1,587,000 | 3,035 |
| Premises and equipment expense | $314,000 | 3,322 |
| Additional noninterest expense | $2,222,000 | 1,525 |
| Pre-tax net operating income | $874,000 | 3,111 |
| Securities gains (losses) | $2,000 | 3,012 |
| Applicable income taxes | $256,000 | 2,219 |
| Income before extraordinary items | $620,000 | 3,571 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $620,000 | 3,572 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $620,000 | 3,573 |
| Net charge-offs | $37,000 | 4,257 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $618,580 | 3,401 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,200,000 | 2,986 |
| Total interest expense | $413,000 | 2,804 |
| Net interest income | $1,787,000 | 3,009 |
| Provision for loan and lease losses | $22,000 | 4,438 |
| Total noninterest income | $764,000 | 1,583 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $243,000 | 1,435 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $521,000 | 1,464 |
| Total noninterest expense | $2,033,000 | 2,333 |
| Salaries and employee benefits | $763,000 | 3,133 |
| Premises and equipment expense | $161,000 | 3,281 |
| Additional noninterest expense | $1,109,000 | 1,515 |
| Pre-tax net operating income | $496,000 | 2,889 |
| Securities gains (losses) | $2,000 | 2,023 |
| Applicable income taxes | $149,000 | 2,042 |
| Income before extraordinary items | $349,000 | 3,354 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $349,000 | 3,357 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $349,000 | 3,357 |
| Net charge-offs | $22,000 | 3,626 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $347,600 | 3,194 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,586,000 | 2,862 |
| Total interest expense | $2,062,000 | 2,715 |
| Net interest income | $7,524,000 | 2,885 |
| Provision for loan and lease losses | $830,000 | 2,685 |
| Total noninterest income | $3,050,000 | 1,479 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,163,000 | 1,269 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,887,000 | 1,424 |
| Total noninterest expense | $8,058,000 | 2,347 |
| Salaries and employee benefits | $3,038,000 | 3,089 |
| Premises and equipment expense | $640,000 | 3,406 |
| Additional noninterest expense | $4,380,000 | 1,556 |
| Pre-tax net operating income | $1,686,000 | 2,831 |
| Securities gains (losses) | $221,000 | 1,372 |
| Applicable income taxes | $572,000 | 1,904 |
| Income before extraordinary items | $1,335,000 | 3,005 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,335,000 | 3,006 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,335,000 | 3,006 |
| Net charge-offs | $892,000 | 2,496 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,180,300 | 3,141 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,389,000 | 2,822 |
| Total interest expense | $1,609,000 | 2,713 |
| Net interest income | $5,780,000 | 2,841 |
| Provision for loan and lease losses | $568,000 | 2,697 |
| Total noninterest income | $2,174,000 | 1,525 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $870,000 | 1,278 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,304,000 | 1,475 |
| Total noninterest expense | $5,881,000 | 2,423 |
| Salaries and employee benefits | $2,281,000 | 3,093 |
| Premises and equipment expense | $497,000 | 3,370 |
| Additional noninterest expense | $3,103,000 | 1,644 |
| Pre-tax net operating income | $1,505,000 | 2,569 |
| Securities gains (losses) | $210,000 | 1,180 |
| Applicable income taxes | $532,000 | 1,683 |
| Income before extraordinary items | $1,183,000 | 2,742 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,183,000 | 2,744 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,183,000 | 2,744 |
| Net charge-offs | $627,000 | 2,418 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,038,100 | 2,888 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,055,000 | 2,779 |
| Total interest expense | $1,093,000 | 2,763 |
| Net interest income | $3,962,000 | 2,759 |
| Provision for loan and lease losses | $462,000 | 2,407 |
| Total noninterest income | $1,437,000 | 1,523 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $567,000 | 1,278 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $870,000 | 1,481 |
| Total noninterest expense | $3,907,000 | 2,451 |
| Salaries and employee benefits | $1,524,000 | 3,112 |
| Premises and equipment expense | $317,000 | 3,512 |
| Additional noninterest expense | $2,066,000 | 1,669 |
| Pre-tax net operating income | $1,030,000 | 2,488 |
| Securities gains (losses) | $210,000 | 708 |
| Applicable income taxes | $388,000 | 1,553 |
| Income before extraordinary items | $852,000 | 2,565 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $852,000 | 2,565 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $852,000 | 2,565 |
| Net charge-offs | $457,000 | 2,241 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $707,100 | 2,827 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,564,000 | 2,771 |
| Total interest expense | $552,000 | 2,823 |
| Net interest income | $2,012,000 | 2,716 |
| Provision for loan and lease losses | $158,000 | 2,702 |
| Total noninterest income | $736,000 | 1,508 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $269,000 | 1,322 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $467,000 | 1,411 |
| Total noninterest expense | $1,951,000 | 2,467 |
| Salaries and employee benefits | $745,000 | 3,171 |
| Premises and equipment expense | $163,000 | 3,486 |
| Additional noninterest expense | $1,043,000 | 1,651 |
| Pre-tax net operating income | $639,000 | 2,114 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $201,000 | 1,508 |
| Income before extraordinary items | $438,000 | 2,483 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $438,000 | 2,482 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $438,000 | 2,483 |
| Net charge-offs | $165,000 | 2,273 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $438,000 | 2,436 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,674,000 | 2,792 |
| Total interest expense | $2,749,000 | 2,785 |
| Net interest income | $7,925,000 | 2,749 |
| Provision for loan and lease losses | $1,753,000 | 2,247 |
| Total noninterest income | $3,283,000 | 1,452 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,378,000 | 1,096 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,905,000 | 1,444 |
| Total noninterest expense | $7,620,000 | 2,550 |
| Salaries and employee benefits | $2,858,000 | 3,248 |
| Premises and equipment expense | $672,000 | 3,405 |
| Additional noninterest expense | $4,090,000 | 1,761 |
| Pre-tax net operating income | $1,835,000 | 2,398 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $556,000 | 1,780 |
| Income before extraordinary items | $1,279,000 | 2,789 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,279,000 | 2,786 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,279,000 | 2,791 |
| Net charge-offs | $962,000 | 2,746 |
| Cash dividends | $1,176,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,279,000 | 2,682 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,109,000 | 2,815 |
| Total interest expense | $2,139,000 | 2,812 |
| Net interest income | $5,970,000 | 2,765 |
| Provision for loan and lease losses | $257,000 | 4,550 |
| Total noninterest income | $2,150,000 | 1,603 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,059,000 | 1,106 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,091,000 | 1,712 |
| Total noninterest expense | $5,747,000 | 2,524 |
| Salaries and employee benefits | $2,204,000 | 3,192 |
| Premises and equipment expense | $513,000 | 3,416 |
| Additional noninterest expense | $3,030,000 | 1,756 |
| Pre-tax net operating income | $2,116,000 | 1,814 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $671,000 | 1,371 |
| Income before extraordinary items | $1,445,000 | 2,209 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,445,000 | 2,210 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,445,000 | 2,212 |
| Net charge-offs | $142,000 | 4,548 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,445,000 | 2,114 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,480,000 | 2,813 |
| Total interest expense | $1,460,000 | 2,856 |
| Net interest income | $4,020,000 | 2,741 |
| Provision for loan and lease losses | $133,000 | 4,785 |
| Total noninterest income | $1,400,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $700,000 | 1,119 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $700,000 | 1,674 |
| Total noninterest expense | $3,841,000 | 2,517 |
| Salaries and employee benefits | $1,460,000 | 3,214 |
| Premises and equipment expense | $347,000 | 3,397 |
| Additional noninterest expense | $2,034,000 | 1,735 |
| Pre-tax net operating income | $1,446,000 | 1,772 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $459,000 | 1,301 |
| Income before extraordinary items | $987,000 | 2,146 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $987,000 | 2,144 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $987,000 | 2,148 |
| Net charge-offs | $122,000 | 4,025 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $987,000 | 2,068 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,814,000 | 2,802 |
| Total interest expense | $749,000 | 2,915 |
| Net interest income | $2,065,000 | 2,704 |
| Provision for loan and lease losses | $8,000 | 6,225 |
| Total noninterest income | $699,000 | 1,601 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $333,000 | 1,174 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $366,000 | 1,597 |
| Total noninterest expense | $1,993,000 | 2,453 |
| Salaries and employee benefits | $730,000 | 3,273 |
| Premises and equipment expense | $187,000 | 3,303 |
| Additional noninterest expense | $1,076,000 | 1,632 |
| Pre-tax net operating income | $763,000 | 1,693 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $243,000 | 1,235 |
| Income before extraordinary items | $520,000 | 2,075 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $520,000 | 2,074 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $520,000 | 2,075 |
| Net charge-offs | $28,000 | 4,202 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $520,000 | 1,991 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,852,000 | 2,787 |
| Total interest expense | $3,960,000 | 2,764 |
| Net interest income | $7,892,000 | 2,766 |
| Provision for loan and lease losses | $532,000 | 4,446 |
| Total noninterest income | $3,706,000 | 1,376 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,462,000 | 1,185 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,244,000 | 1,267 |
| Total noninterest expense | $8,713,000 | 2,275 |
| Salaries and employee benefits | $3,654,000 | 2,673 |
| Premises and equipment expense | $725,000 | 3,368 |
| Additional noninterest expense | $4,334,000 | 1,721 |
| Pre-tax net operating income | $2,353,000 | 1,666 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $684,000 | 1,266 |
| Income before extraordinary items | $1,669,000 | 1,942 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,669,000 | 1,939 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,669,000 | 1,941 |
| Net charge-offs | $162,000 | 5,236 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,669,000 | 1,901 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,783,000 | 2,861 |
| Total interest expense | $3,105,000 | 2,774 |
| Net interest income | $5,678,000 | 2,864 |
| Provision for loan and lease losses | $225,000 | 4,987 |
| Total noninterest income | $2,953,000 | 1,337 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,098,000 | 1,178 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,855,000 | 1,216 |
| Total noninterest expense | $6,026,000 | 2,452 |
| Salaries and employee benefits | $2,778,000 | 2,655 |
| Premises and equipment expense | $550,000 | 3,383 |
| Additional noninterest expense | $2,698,000 | 1,956 |
| Pre-tax net operating income | $2,380,000 | 1,355 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $753,000 | 1,049 |
| Income before extraordinary items | $1,627,000 | 1,648 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,627,000 | 1,646 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,627,000 | 1,648 |
| Net charge-offs | $90,000 | 5,155 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,627,000 | 1,602 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,794,000 | 2,915 |
| Total interest expense | $2,114,000 | 2,830 |
| Net interest income | $3,680,000 | 2,914 |
| Provision for loan and lease losses | $110,000 | 5,210 |
| Total noninterest income | $2,203,000 | 1,244 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $713,000 | 1,183 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,490,000 | 1,097 |
| Total noninterest expense | $4,056,000 | 2,464 |
| Salaries and employee benefits | $1,862,000 | 2,676 |
| Premises and equipment expense | $363,000 | 3,438 |
| Additional noninterest expense | $1,831,000 | 1,951 |
| Pre-tax net operating income | $1,717,000 | 1,335 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $526,000 | 1,045 |
| Income before extraordinary items | $1,191,000 | 1,562 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,191,000 | 1,559 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,191,000 | 1,561 |
| Net charge-offs | $46,000 | 4,993 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,191,000 | 1,538 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,894,000 | 2,948 |
| Total interest expense | $1,065,000 | 2,917 |
| Net interest income | $1,829,000 | 2,939 |
| Provision for loan and lease losses | $67,000 | 4,526 |
| Total noninterest income | $1,009,000 | 1,276 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $341,000 | 1,214 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $668,000 | 1,156 |
| Total noninterest expense | $1,871,000 | 2,572 |
| Salaries and employee benefits | $925,000 | 2,734 |
| Premises and equipment expense | $181,000 | 3,488 |
| Additional noninterest expense | $765,000 | 2,070 |
| Pre-tax net operating income | $900,000 | 1,433 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $308,000 | 1,032 |
| Income before extraordinary items | $592,000 | 1,826 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $592,000 | 1,827 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $592,000 | 1,828 |
| Net charge-offs | $5,000 | 5,094 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $592,000 | 1,719 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,524,000 | 2,918 |
| Total interest expense | $5,204,000 | 2,866 |
| Net interest income | $7,320,000 | 2,927 |
| Provision for loan and lease losses | $234,000 | 5,025 |
| Total noninterest income | $2,901,000 | 1,617 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,764,000 | 1,016 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,137,000 | 1,955 |
| Total noninterest expense | $7,393,000 | 2,560 |
| Salaries and employee benefits | $3,830,000 | 2,603 |
| Premises and equipment expense | $723,000 | 3,424 |
| Additional noninterest expense | $2,840,000 | 2,109 |
| Pre-tax net operating income | $2,594,000 | 2,031 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $893,000 | 1,294 |
| Income before extraordinary items | $1,701,000 | 2,301 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,701,000 | 2,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 4,925 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,701,000 | 2,433 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,509,000 | 2,948 |
| Total interest expense | $4,039,000 | 2,885 |
| Net interest income | $5,470,000 | 2,964 |
| Provision for loan and lease losses | $95,000 | 5,209 |
| Total noninterest income | $2,520,000 | 1,496 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,361,000 | 997 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,159,000 | 1,641 |
| Total noninterest expense | $5,591,000 | 2,533 |
| Salaries and employee benefits | $2,931,000 | 2,591 |
| Premises and equipment expense | $530,000 | 3,507 |
| Additional noninterest expense | $2,130,000 | 2,040 |
| Pre-tax net operating income | $2,304,000 | 2,066 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $791,000 | 1,379 |
| Income before extraordinary items | $1,513,000 | 2,310 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,513,000 | 2,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,512 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,513,000 | 2,425 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,402,000 | 2,961 |
| Total interest expense | $2,818,000 | 2,872 |
| Net interest income | $3,584,000 | 3,004 |
| Provision for loan and lease losses | $49,000 | 5,232 |
| Total noninterest income | $1,721,000 | 1,481 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $898,000 | 982 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $823,000 | 1,613 |
| Total noninterest expense | $3,743,000 | 2,524 |
| Salaries and employee benefits | $1,952,000 | 2,626 |
| Premises and equipment expense | $353,000 | 3,527 |
| Additional noninterest expense | $1,438,000 | 2,002 |
| Pre-tax net operating income | $1,513,000 | 2,181 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $520,000 | 1,553 |
| Income before extraordinary items | $993,000 | 2,578 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $993,000 | 2,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,143 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $993,000 | 2,537 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,205,000 | 3,036 |
| Total interest expense | $1,467,000 | 2,940 |
| Net interest income | $1,738,000 | 3,096 |
| Provision for loan and lease losses | $34,000 | 4,273 |
| Total noninterest income | $903,000 | 1,441 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $434,000 | 999 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $469,000 | 1,483 |
| Total noninterest expense | $1,861,000 | 2,531 |
| Salaries and employee benefits | $959,000 | 2,677 |
| Premises and equipment expense | $176,000 | 3,552 |
| Additional noninterest expense | $726,000 | 1,940 |
| Pre-tax net operating income | $746,000 | 2,299 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $257,000 | 1,654 |
| Income before extraordinary items | $489,000 | 2,748 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $489,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,303 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $489,000 | 2,671 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,265,000 | 2,999 |
| Total interest expense | $5,667,000 | 3,150 |
| Net interest income | $7,598,000 | 2,872 |
| Provision for loan and lease losses | $282,000 | 3,310 |
| Total noninterest income | $3,326,000 | 1,524 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,874,000 | 949 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,452,000 | 1,706 |
| Total noninterest expense | $7,290,000 | 2,491 |
| Salaries and employee benefits | $3,602,000 | 2,727 |
| Premises and equipment expense | $770,000 | 3,186 |
| Additional noninterest expense | $2,918,000 | 1,891 |
| Pre-tax net operating income | $3,352,000 | 2,266 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,177,000 | 1,670 |
| Income before extraordinary items | $2,175,000 | 2,652 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,175,000 | 2,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,389 |
| Cash dividends | $1,805,000 | 1,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,175,000 | 2,649 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,000,000 | 2,982 |
| Total interest expense | $4,221,000 | 3,172 |
| Net interest income | $5,779,000 | 2,829 |
| Provision for loan and lease losses | $120,000 | 3,851 |
| Total noninterest income | $2,438,000 | 1,555 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,382,000 | 949 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,056,000 | 1,763 |
| Total noninterest expense | $5,462,000 | 2,487 |
| Salaries and employee benefits | $2,703,000 | 2,720 |
| Premises and equipment expense | $605,000 | 3,051 |
| Additional noninterest expense | $2,154,000 | 1,867 |
| Pre-tax net operating income | $2,635,000 | 2,338 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $922,000 | 1,739 |
| Income before extraordinary items | $1,713,000 | 2,699 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,713,000 | 2,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 3,216 |
| Cash dividends | $70,000 | 4,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,713,000 | 2,677 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,581,000 | 3,022 |
| Total interest expense | $2,798,000 | 3,175 |
| Net interest income | $3,783,000 | 2,899 |
| Provision for loan and lease losses | $85,000 | 3,599 |
| Total noninterest income | $1,560,000 | 1,626 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $858,000 | 1,028 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $702,000 | 1,775 |
| Total noninterest expense | $3,635,000 | 2,519 |
| Salaries and employee benefits | $1,781,000 | 2,784 |
| Premises and equipment expense | $402,000 | 3,085 |
| Additional noninterest expense | $1,452,000 | 1,866 |
| Pre-tax net operating income | $1,623,000 | 2,541 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $568,000 | 1,907 |
| Income before extraordinary items | $1,055,000 | 2,917 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,055,000 | 2,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,722 |
| Cash dividends | $70,000 | 4,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,055,000 | 2,901 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,273,000 | 3,038 |
| Total interest expense | $1,399,000 | 3,169 |
| Net interest income | $1,874,000 | 2,931 |
| Provision for loan and lease losses | $85,000 | 2,287 |
| Total noninterest income | $687,000 | 1,762 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $383,000 | 1,119 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $304,000 | 1,944 |
| Total noninterest expense | $1,797,000 | 2,549 |
| Salaries and employee benefits | $895,000 | 2,799 |
| Premises and equipment expense | $196,000 | 3,164 |
| Additional noninterest expense | $706,000 | 1,887 |
| Pre-tax net operating income | $679,000 | 2,858 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $238,000 | 2,161 |
| Income before extraordinary items | $441,000 | 3,283 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $441,000 | 3,283 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,797 |
| Cash dividends | $30,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $441,000 | 3,256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,344,000 | 3,009 |
| Total interest expense | $4,866,000 | 3,100 |
| Net interest income | $7,478,000 | 2,928 |
| Provision for loan and lease losses | $488,000 | 1,946 |
| Total noninterest income | $2,889,000 | 1,694 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,530,000 | 1,155 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,359,000 | 1,792 |
| Total noninterest expense | $7,204,000 | 2,454 |
| Salaries and employee benefits | $3,650,000 | 2,651 |
| Premises and equipment expense | $845,000 | 2,861 |
| Additional noninterest expense | $2,709,000 | 1,949 |
| Pre-tax net operating income | $2,675,000 | 2,993 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $942,000 | 2,286 |
| Income before extraordinary items | $1,733,000 | 3,441 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,733,000 | 3,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 1,546 |
| Cash dividends | $70,000 | 5,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,733,000 | 3,427 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,074,000 | 3,039 |
| Total interest expense | $3,518,000 | 3,095 |
| Net interest income | $5,556,000 | 2,988 |
| Provision for loan and lease losses | $335,000 | 1,972 |
| Total noninterest income | $2,278,000 | 1,610 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,172,000 | 1,140 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,106,000 | 1,681 |
| Total noninterest expense | $5,380,000 | 2,453 |
| Salaries and employee benefits | $2,735,000 | 2,653 |
| Premises and equipment expense | $636,000 | 2,864 |
| Additional noninterest expense | $2,009,000 | 1,941 |
| Pre-tax net operating income | $2,119,000 | 2,996 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $742,000 | 2,312 |
| Income before extraordinary items | $1,377,000 | 3,390 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,377,000 | 3,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 1,619 |
| Cash dividends | $70,000 | 4,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,377,000 | 3,384 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,873,000 | 3,074 |
| Total interest expense | $2,191,000 | 3,155 |
| Net interest income | $3,682,000 | 3,006 |
| Provision for loan and lease losses | $263,000 | 1,691 |
| Total noninterest income | $1,532,000 | 1,604 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $787,000 | 1,119 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $745,000 | 1,681 |
| Total noninterest expense | $3,531,000 | 2,503 |
| Salaries and employee benefits | $1,819,000 | 2,657 |
| Premises and equipment expense | $417,000 | 2,891 |
| Additional noninterest expense | $1,295,000 | 2,036 |
| Pre-tax net operating income | $1,420,000 | 2,989 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $497,000 | 2,320 |
| Income before extraordinary items | $923,000 | 3,396 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $923,000 | 3,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,134 |
| Cash dividends | $30,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $923,000 | 3,387 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 3,088 |
| Total interest expense | $1,022,000 | 3,210 |
| Net interest income | $1,842,000 | 2,989 |
| Provision for loan and lease losses | $158,000 | 1,371 |
| Total noninterest income | $751,000 | 1,603 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $374,000 | 1,156 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $377,000 | 1,637 |
| Total noninterest expense | $1,751,000 | 2,531 |
| Salaries and employee benefits | $894,000 | 2,696 |
| Premises and equipment expense | $211,000 | 2,882 |
| Additional noninterest expense | $646,000 | 2,017 |
| Pre-tax net operating income | $684,000 | 3,013 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $240,000 | 2,338 |
| Income before extraordinary items | $444,000 | 3,440 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $444,000 | 3,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,365 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $444,000 | 3,418 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,538,000 | 3,022 |
| Total interest expense | $3,614,000 | 2,867 |
| Net interest income | $6,924,000 | 3,066 |
| Provision for loan and lease losses | $322,000 | 2,688 |
| Total noninterest income | $2,955,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,548,000 | 1,152 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,407,000 | 1,753 |
| Total noninterest expense | $7,052,000 | 2,379 |
| Salaries and employee benefits | $3,593,000 | 2,539 |
| Premises and equipment expense | $779,000 | 2,969 |
| Additional noninterest expense | $2,680,000 | 1,890 |
| Pre-tax net operating income | $2,505,000 | 3,155 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $856,000 | 2,498 |
| Income before extraordinary items | $1,649,000 | 3,560 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,649,000 | 3,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,118 |
| Cash dividends | $335,000 | 4,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,649,000 | 3,532 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,719,000 | 3,027 |
| Total interest expense | $2,607,000 | 2,832 |
| Net interest income | $5,112,000 | 3,092 |
| Provision for loan and lease losses | $242,000 | 2,600 |
| Total noninterest income | $2,285,000 | 1,585 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,138,000 | 1,163 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,147,000 | 1,641 |
| Total noninterest expense | $5,270,000 | 2,353 |
| Salaries and employee benefits | $2,673,000 | 2,518 |
| Premises and equipment expense | $588,000 | 2,931 |
| Additional noninterest expense | $2,009,000 | 1,855 |
| Pre-tax net operating income | $1,885,000 | 3,187 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $641,000 | 2,536 |
| Income before extraordinary items | $1,244,000 | 3,575 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,244,000 | 3,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,700 |
| Cash dividends | $135,000 | 4,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,244,000 | 3,547 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,003,000 | 3,029 |
| Total interest expense | $1,666,000 | 2,791 |
| Net interest income | $3,337,000 | 3,117 |
| Provision for loan and lease losses | $192,000 | 2,222 |
| Total noninterest income | $1,461,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $721,000 | 1,182 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $740,000 | 1,677 |
| Total noninterest expense | $3,520,000 | 2,341 |
| Salaries and employee benefits | $1,789,000 | 2,493 |
| Premises and equipment expense | $387,000 | 2,941 |
| Additional noninterest expense | $1,344,000 | 1,841 |
| Pre-tax net operating income | $1,086,000 | 3,507 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $369,000 | 2,738 |
| Income before extraordinary items | $717,000 | 3,928 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $717,000 | 3,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $85,000 | 4,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $717,000 | 3,876 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 3,096 |
| Total interest expense | $772,000 | 2,887 |
| Net interest income | $1,631,000 | 3,167 |
| Provision for loan and lease losses | $114,000 | 1,861 |
| Total noninterest income | $669,000 | 1,714 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $333,000 | 1,232 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $336,000 | 1,751 |
| Total noninterest expense | $1,747,000 | 2,362 |
| Salaries and employee benefits | $887,000 | 2,526 |
| Premises and equipment expense | $189,000 | 3,019 |
| Additional noninterest expense | $671,000 | 1,835 |
| Pre-tax net operating income | $439,000 | 4,033 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $149,000 | 3,105 |
| Income before extraordinary items | $290,000 | 4,471 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $290,000 | 4,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $40,000 | 3,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $290,000 | 4,427 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,271,000 | 3,026 |
| Total interest expense | $2,652,000 | 2,908 |
| Net interest income | $6,619,000 | 3,032 |
| Provision for loan and lease losses | $550,000 | 1,804 |
| Total noninterest income | $2,972,000 | 1,621 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,581,000 | 1,126 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,391,000 | 1,726 |
| Total noninterest expense | $6,838,000 | 2,336 |
| Salaries and employee benefits | $3,557,000 | 2,448 |
| Premises and equipment expense | $779,000 | 2,855 |
| Additional noninterest expense | $2,502,000 | 1,945 |
| Pre-tax net operating income | $2,203,000 | 3,290 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $753,000 | 2,626 |
| Income before extraordinary items | $1,450,000 | 3,715 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,450,000 | 3,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,291 |
| Cash dividends | $360,000 | 4,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,450,000 | 3,660 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,854,000 | 3,031 |
| Total interest expense | $1,929,000 | 2,926 |
| Net interest income | $4,925,000 | 3,043 |
| Provision for loan and lease losses | $450,000 | 1,575 |
| Total noninterest income | $2,314,000 | 1,574 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,204,000 | 1,112 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,110,000 | 1,647 |
| Total noninterest expense | $4,990,000 | 2,389 |
| Salaries and employee benefits | $2,659,000 | 2,433 |
| Premises and equipment expense | $576,000 | 2,896 |
| Additional noninterest expense | $1,755,000 | 2,058 |
| Pre-tax net operating income | $1,799,000 | 3,150 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $612,000 | 2,537 |
| Income before extraordinary items | $1,187,000 | 3,572 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,187,000 | 3,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,105 |
| Cash dividends | $355,000 | 3,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,187,000 | 3,499 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,486,000 | 3,057 |
| Total interest expense | $1,243,000 | 3,000 |
| Net interest income | $3,243,000 | 3,071 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $1,565,000 | 1,543 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $794,000 | 1,120 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $771,000 | 1,588 |
| Total noninterest expense | $3,266,000 | 2,432 |
| Salaries and employee benefits | $1,742,000 | 2,468 |
| Premises and equipment expense | $381,000 | 2,909 |
| Additional noninterest expense | $1,143,000 | 2,114 |
| Pre-tax net operating income | $1,242,000 | 3,030 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $422,000 | 2,470 |
| Income before extraordinary items | $820,000 | 3,465 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $820,000 | 3,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $310,000 | 2,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $820,000 | 3,377 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,253,000 | 3,064 |
| Total interest expense | $610,000 | 3,078 |
| Net interest income | $1,643,000 | 3,019 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $680,000 | 1,704 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $376,000 | 1,140 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $304,000 | 1,867 |
| Total noninterest expense | $1,581,000 | 2,525 |
| Salaries and employee benefits | $854,000 | 2,536 |
| Premises and equipment expense | $188,000 | 2,975 |
| Additional noninterest expense | $539,000 | 2,204 |
| Pre-tax net operating income | $592,000 | 3,108 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $201,000 | 2,572 |
| Income before extraordinary items | $391,000 | 3,569 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $391,000 | 3,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $391,000 | 3,454 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,297,000 | 3,024 |
| Total interest expense | $2,761,000 | 3,089 |
| Net interest income | $6,536,000 | 2,938 |
| Provision for loan and lease losses | $670,000 | 1,681 |
| Total noninterest income | $2,413,000 | 2,003 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $873,000 | 1,967 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,540,000 | 1,783 |
| Total noninterest expense | $5,849,000 | 2,651 |
| Salaries and employee benefits | $3,150,000 | 2,670 |
| Premises and equipment expense | $822,000 | 2,688 |
| Additional noninterest expense | $1,877,000 | 2,540 |
| Pre-tax net operating income | $2,430,000 | 2,954 |
| Securities gains (losses) | $44,000 | 2,634 |
| Applicable income taxes | $844,000 | 2,440 |
| Income before extraordinary items | $1,630,000 | 3,340 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,630,000 | 3,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 1,597 |
| Cash dividends | $390,000 | 3,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,600,960 | 3,238 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,974,000 | 3,067 |
| Total interest expense | $2,136,000 | 3,105 |
| Net interest income | $4,838,000 | 2,996 |
| Provision for loan and lease losses | $505,000 | 1,653 |
| Total noninterest income | $1,861,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $587,000 | 2,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,274,000 | 1,730 |
| Total noninterest expense | $4,353,000 | 2,673 |
| Salaries and employee benefits | $2,393,000 | 2,632 |
| Premises and equipment expense | $617,000 | 2,705 |
| Additional noninterest expense | $1,343,000 | 2,632 |
| Pre-tax net operating income | $1,841,000 | 3,024 |
| Securities gains (losses) | $44,000 | 2,422 |
| Applicable income taxes | $641,000 | 2,549 |
| Income before extraordinary items | $1,244,000 | 3,397 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,244,000 | 3,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 1,319 |
| Cash dividends | $355,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,214,960 | 3,302 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,633,000 | 3,093 |
| Total interest expense | $1,498,000 | 3,051 |
| Net interest income | $3,135,000 | 3,058 |
| Provision for loan and lease losses | $315,000 | 1,727 |
| Total noninterest income | $1,252,000 | 1,985 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $381,000 | 2,175 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $871,000 | 1,680 |
| Total noninterest expense | $2,769,000 | 2,792 |
| Salaries and employee benefits | $1,524,000 | 2,743 |
| Premises and equipment expense | $400,000 | 2,768 |
| Additional noninterest expense | $845,000 | 2,749 |
| Pre-tax net operating income | $1,303,000 | 2,906 |
| Securities gains (losses) | $44,000 | 2,102 |
| Applicable income taxes | $458,000 | 2,449 |
| Income before extraordinary items | $889,000 | 3,240 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $889,000 | 3,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $268,000 | 1,352 |
| Cash dividends | $325,000 | 2,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $859,960 | 3,148 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 3,097 |
| Total interest expense | $795,000 | 2,952 |
| Net interest income | $1,535,000 | 3,112 |
| Provision for loan and lease losses | $125,000 | 1,986 |
| Total noninterest income | $552,000 | 2,127 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $170,000 | 2,334 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $382,000 | 1,798 |
| Total noninterest expense | $1,341,000 | 2,860 |
| Salaries and employee benefits | $746,000 | 2,787 |
| Premises and equipment expense | $239,000 | 2,330 |
| Additional noninterest expense | $356,000 | 3,153 |
| Pre-tax net operating income | $621,000 | 3,001 |
| Securities gains (losses) | $41,000 | 1,496 |
| Applicable income taxes | $225,000 | 2,499 |
| Income before extraordinary items | $437,000 | 3,252 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $437,000 | 3,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 978 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $409,940 | 3,238 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,186,000 | 2,969 |
| Total interest expense | $3,939,000 | 2,789 |
| Net interest income | $6,247,000 | 3,040 |
| Provision for loan and lease losses | $525,000 | 2,307 |
| Total noninterest income | $1,834,000 | 2,292 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $716,000 | 2,214 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,118,000 | 2,032 |
| Total noninterest expense | $5,118,000 | 2,869 |
| Salaries and employee benefits | $2,846,000 | 2,766 |
| Premises and equipment expense | $924,000 | 2,350 |
| Additional noninterest expense | $1,348,000 | 3,254 |
| Pre-tax net operating income | $2,438,000 | 2,940 |
| Securities gains (losses) | $39,000 | 2,625 |
| Applicable income taxes | $845,000 | 2,503 |
| Income before extraordinary items | $1,632,000 | 3,281 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,632,000 | 3,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $430,000 | 1,848 |
| Cash dividends | $390,000 | 3,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,606,260 | 3,229 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,915,000 | 2,850 |
| Total interest expense | $5,765,000 | 2,769 |
| Net interest income | $6,150,000 | 2,885 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $1,564,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $756,000 | 2,004 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $808,000 | 2,369 |
| Total noninterest expense | $4,804,000 | 2,921 |
| Salaries and employee benefits | $2,670,000 | 2,790 |
| Premises and equipment expense | $843,000 | 2,502 |
| Additional noninterest expense | $1,291,000 | 3,276 |
| Pre-tax net operating income | $2,550,000 | 2,624 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $870,000 | 2,297 |
| Income before extraordinary items | $1,680,000 | 2,954 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,680,000 | 2,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $374,000 | 1,917 |
| Cash dividends | $365,000 | 4,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,680,000 | 2,858 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,014,000 | 2,897 |
| Total interest expense | $6,123,000 | 2,730 |
| Net interest income | $5,891,000 | 3,005 |
| Provision for loan and lease losses | $546,000 | 1,739 |
| Total noninterest income | $1,147,000 | 2,859 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $741,000 | 1,875 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $406,000 | 3,305 |
| Total noninterest expense | $4,329,000 | 3,112 |
| Salaries and employee benefits | $2,393,000 | 2,952 |
| Premises and equipment expense | $797,000 | 2,575 |
| Additional noninterest expense | $1,139,000 | 3,605 |
| Pre-tax net operating income | $2,163,000 | 3,123 |
| Securities gains (losses) | $9,000 | 1,192 |
| Applicable income taxes | $743,000 | 2,658 |
| Income before extraordinary items | $1,429,000 | 3,381 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,429,000 | 3,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $594,000 | 1,094 |
| Cash dividends | $225,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,423,060 | 3,379 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,212,000 | 3,167 |
| Total interest expense | $4,865,000 | 3,000 |
| Net interest income | $5,347,000 | 3,242 |
| Provision for loan and lease losses | $204,000 | 3,511 |
| Total noninterest income | $1,042,000 | 2,993 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $656,000 | 2,023 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $386,000 | 3,515 |
| Total noninterest expense | $4,111,000 | 3,234 |
| Salaries and employee benefits | $2,272,000 | 3,061 |
| Premises and equipment expense | $698,000 | 2,865 |
| Additional noninterest expense | $1,141,000 | 3,600 |
| Pre-tax net operating income | $2,074,000 | 3,239 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $705,000 | 2,890 |
| Income before extraordinary items | $1,369,000 | 3,482 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,369,000 | 3,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $355,000 | 4,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,369,000 | 3,447 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,942,000 | 3,255 |
| Total interest expense | $4,949,000 | 3,019 |
| Net interest income | $4,993,000 | 3,396 |
| Provision for loan and lease losses | $183,000 | 3,696 |
| Total noninterest income | $720,000 | 3,891 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $527,000 | 2,434 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $193,000 | 5,052 |
| Total noninterest expense | $3,326,000 | 3,771 |
| Salaries and employee benefits | $1,833,000 | 3,614 |
| Premises and equipment expense | $529,000 | 3,533 |
| Additional noninterest expense | $964,000 | 4,078 |
| Pre-tax net operating income | $2,204,000 | 3,082 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $755,000 | 2,862 |
| Income before extraordinary items | $1,466,000 | 3,316 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,466,000 | 3,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,022 |
| Cash dividends | $360,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,454,780 | 3,248 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,188,000 | 3,518 |
| Total interest expense | $4,667,000 | 3,186 |
| Net interest income | $4,521,000 | 3,807 |
| Provision for loan and lease losses | $204,000 | 3,400 |
| Total noninterest income | $746,000 | 3,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $522,000 | 2,521 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $224,000 | 4,685 |
| Total noninterest expense | $3,063,000 | 4,027 |
| Salaries and employee benefits | $1,728,000 | 3,782 |
| Premises and equipment expense | $447,000 | 4,067 |
| Additional noninterest expense | $888,000 | 4,360 |
| Pre-tax net operating income | $2,000,000 | 3,532 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $683,000 | 3,297 |
| Income before extraordinary items | $1,325,000 | 3,739 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,325,000 | 3,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,491 |
| Cash dividends | $325,000 | 4,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,319,720 | 3,682 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,937,000 | 4,073 |
| Total interest expense | $3,848,000 | 3,851 |
| Net interest income | $4,089,000 | 4,238 |
| Provision for loan and lease losses | $186,000 | 3,572 |
| Total noninterest income | $599,000 | 4,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $458,000 | 2,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 6,154 |
| Total noninterest expense | $2,709,000 | 4,692 |
| Salaries and employee benefits | $1,505,000 | 4,290 |
| Premises and equipment expense | $406,000 | 4,483 |
| Additional noninterest expense | $798,000 | 5,211 |
| Pre-tax net operating income | $1,793,000 | 3,743 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $610,000 | 3,535 |
| Income before extraordinary items | $1,183,000 | 3,918 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,183,000 | 3,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,783 |
| Cash dividends | $155,000 | 5,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,183,000 | 3,874 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,466,000 | 4,871 |
| Total interest expense | $3,201,000 | 4,479 |
| Net interest income | $3,265,000 | 5,149 |
| Provision for loan and lease losses | $137,000 | 3,822 |
| Total noninterest income | $516,000 | 5,073 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $409,000 | 3,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $107,000 | 7,021 |
| Total noninterest expense | $2,290,000 | 5,380 |
| Salaries and employee benefits | $1,191,000 | 5,246 |
| Premises and equipment expense | $332,000 | 5,224 |
| Additional noninterest expense | $767,000 | 5,433 |
| Pre-tax net operating income | $1,354,000 | 4,818 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $461,000 | 4,450 |
| Income before extraordinary items | $895,000 | 5,015 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $895,000 | 5,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $435,000 | 3,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $893,680 | 5,006 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,531,000 | 6,119 |
| Total interest expense | $1,826,000 | 5,997 |
| Net interest income | $2,705,000 | 6,091 |
| Provision for loan and lease losses | $62,000 | 5,552 |
| Total noninterest income | $400,000 | 6,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 4,248 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 7,838 |
| Total noninterest expense | $1,941,000 | 6,364 |
| Salaries and employee benefits | $985,000 | 6,160 |
| Premises and equipment expense | $264,000 | 6,286 |
| Additional noninterest expense | $692,000 | 6,380 |
| Pre-tax net operating income | $1,102,000 | 5,563 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $375,000 | 5,004 |
| Income before extraordinary items | $727,000 | 5,751 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $727,000 | 5,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $145,000 | 6,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $727,000 | 5,826 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,580,000 | 7,421 |
| Total interest expense | $1,437,000 | 7,415 |
| Net interest income | $2,143,000 | 7,320 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $329,000 | 7,275 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $253,000 | 5,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,800 |
| Total noninterest expense | $1,629,000 | 7,413 |
| Salaries and employee benefits | $762,000 | 7,558 |
| Premises and equipment expense | $285,000 | 6,106 |
| Additional noninterest expense | $582,000 | 7,499 |
| Pre-tax net operating income | $783,000 | 6,902 |
| Securities gains (losses) | $5,000 | 6,132 |
| Applicable income taxes | $288,000 | 6,233 |
| Income before extraordinary items | $500,000 | 7,562 |
| Extraordinary gains, net | $56,000 | 2,079 |
| Net income | $556,000 | 7,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $170,000 | 5,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $496,800 | 7,333 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,247,000 | 8,565 |
| Total interest expense | $1,494,000 | 8,527 |
| Net interest income | $1,753,000 | 8,493 |
| Provision for loan and lease losses | $114,000 | 6,935 |
| Total noninterest income | $282,000 | 7,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 9,979 |
| Total noninterest expense | $1,336,000 | 8,538 |
| Salaries and employee benefits | $628,000 | 8,568 |
| Premises and equipment expense | $226,000 | 7,260 |
| Additional noninterest expense | $482,000 | 8,632 |
| Pre-tax net operating income | $585,000 | 7,823 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $200,000 | 7,567 |
| Income before extraordinary items | $385,000 | 8,368 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $385,000 | 8,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 8,210 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,000 | 8,013 |
* 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.