Home > Southern Heritage Bank > Income and Expense
Southern Heritage Bank, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $4,750,000 | 2,511 |
| Total interest expense | $449,000 | 2,616 |
| Net interest income | $4,301,000 | 2,484 |
| Provision for loan and lease losses | $126,000 | 2,063 |
| Total noninterest income | $1,503,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $235,000 | 2,173 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,268,000 | 1,334 |
| Total noninterest expense | $4,238,000 | 2,196 |
| Salaries and employee benefits | $2,416,000 | 2,156 |
| Premises and equipment expense | $299,000 | 3,049 |
| Additional noninterest expense | $1,523,000 | 1,947 |
| Pre-tax net operating income | $1,440,000 | 2,469 |
| Securities gains (losses) | $36,000 | 1,641 |
| Applicable income taxes | $363,000 | 1,960 |
| Income before extraordinary items | $1,113,000 | 2,620 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,113,000 | 2,619 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,113,000 | 2,619 |
| Net charge-offs | $10,000 | 3,081 |
| Cash dividends | $500,000 | 1,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $1,086,000 | 2,593 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $2,462,000 | 2,438 |
| Total interest expense | $215,000 | 2,713 |
| Net interest income | $2,247,000 | 2,401 |
| Provision for loan and lease losses | $51,000 | 2,123 |
| Total noninterest income | $664,000 | 1,726 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $107,000 | 2,312 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $557,000 | 1,412 |
| Total noninterest expense | $1,966,000 | 2,342 |
| Salaries and employee benefits | $1,179,000 | 2,208 |
| Premises and equipment expense | $147,000 | 3,102 |
| Additional noninterest expense | $640,000 | 2,259 |
| Pre-tax net operating income | $894,000 | 2,091 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $242,000 | 1,678 |
| Income before extraordinary items | $652,000 | 2,316 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $652,000 | 2,316 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $652,000 | 2,316 |
| Net charge-offs | $-38,000 | 5,657 |
| Cash dividends | $250,000 | 1,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $652,000 | 2,267 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $9,345,000 | 2,510 |
| Total interest expense | $764,000 | 2,906 |
| Net interest income | $8,581,000 | 2,436 |
| Provision for loan and lease losses | $676,000 | 1,082 |
| Total noninterest income | $3,002,000 | 1,604 |
| Gross Fiduciary activities income | $1,000 | 1,155 |
| Service charges on deposit accounts | $442,000 | 2,344 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $2,559,000 | 1,289 |
| Total noninterest expense | $8,069,000 | 2,280 |
| Salaries and employee benefits | $4,778,000 | 2,132 |
| Premises and equipment expense | $643,000 | 2,965 |
| Additional noninterest expense | $2,648,000 | 2,219 |
| Pre-tax net operating income | $2,838,000 | 2,416 |
| Securities gains (losses) | $237,000 | 661 |
| Applicable income taxes | $666,000 | 1,969 |
| Income before extraordinary items | $2,409,000 | 2,401 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,409,000 | 2,403 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,409,000 | 2,403 |
| Net charge-offs | $304,000 | 1,586 |
| Cash dividends | $1,050,000 | 2,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $2,224,140 | 2,488 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $6,895,000 | 2,566 |
| Total interest expense | $556,000 | 2,994 |
| Net interest income | $6,339,000 | 2,475 |
| Provision for loan and lease losses | $302,000 | 1,498 |
| Total noninterest income | $2,348,000 | 1,581 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $331,000 | 2,359 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,017,000 | 1,271 |
| Total noninterest expense | $6,003,000 | 2,291 |
| Salaries and employee benefits | $3,574,000 | 2,146 |
| Premises and equipment expense | $471,000 | 3,052 |
| Additional noninterest expense | $1,958,000 | 2,248 |
| Pre-tax net operating income | $2,382,000 | 2,263 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $585,000 | 1,866 |
| Income before extraordinary items | $1,797,000 | 2,444 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,797,000 | 2,445 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,797,000 | 2,445 |
| Net charge-offs | $-66,000 | 5,701 |
| Cash dividends | $800,000 | 1,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $1,797,000 | 2,407 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,527,000 | 2,606 |
| Total interest expense | $353,000 | 3,108 |
| Net interest income | $4,174,000 | 2,506 |
| Provision for loan and lease losses | $126,000 | 1,954 |
| Total noninterest income | $1,526,000 | 1,603 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $214,000 | 2,385 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,312,000 | 1,295 |
| Total noninterest expense | $3,983,000 | 2,309 |
| Salaries and employee benefits | $2,366,000 | 2,173 |
| Premises and equipment expense | $309,000 | 3,096 |
| Additional noninterest expense | $1,308,000 | 2,254 |
| Pre-tax net operating income | $1,591,000 | 2,242 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $403,000 | 1,841 |
| Income before extraordinary items | $1,188,000 | 2,452 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,188,000 | 2,454 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $1,188,000 | 2,454 |
| Net charge-offs | $-32,000 | 5,610 |
| Cash dividends | $600,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $1,188,000 | 2,395 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,229,000 | 2,632 |
| Total interest expense | $163,000 | 3,311 |
| Net interest income | $2,066,000 | 2,527 |
| Provision for loan and lease losses | $75,000 | 1,675 |
| Total noninterest income | $776,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $104,000 | 2,410 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $672,000 | 1,223 |
| Total noninterest expense | $1,959,000 | 2,353 |
| Salaries and employee benefits | $1,182,000 | 2,181 |
| Premises and equipment expense | $151,000 | 3,188 |
| Additional noninterest expense | $626,000 | 2,324 |
| Pre-tax net operating income | $808,000 | 2,194 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $214,000 | 1,760 |
| Income before extraordinary items | $594,000 | 2,406 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $594,000 | 2,408 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $594,000 | 2,408 |
| Net charge-offs | $-52,000 | 5,957 |
| Cash dividends | $300,000 | 1,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $594,000 | 2,337 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $2,285,000 | 5,459 |
| Total interest expense | $161,000 | 5,711 |
| Net interest income | $2,124,000 | 5,365 |
| Provision for loan and lease losses | $76,000 | 3,445 |
| Total noninterest income | $639,000 | 3,883 |
| Gross Fiduciary activities income | $1,000 | 1,202 |
| Service charges on deposit accounts | $110,000 | 4,847 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $528,000 | 3,203 |
| Total noninterest expense | $1,970,000 | 5,295 |
| Salaries and employee benefits | $1,228,000 | 5,036 |
| Premises and equipment expense | $162,000 | 5,595 |
| Additional noninterest expense | $580,000 | 5,433 |
| Pre-tax net operating income | $717,000 | 4,623 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $161,000 | 3,109 |
| Income before extraordinary items | $556,000 | 4,789 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $556,000 | 4,788 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $556,000 | 4,789 |
| Net charge-offs | $18,000 | 4,348 |
| Cash dividends | $250,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $556,000 | 4,742 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $6,485,000 | 2,745 |
| Total interest expense | $753,000 | 2,606 |
| Net interest income | $5,732,000 | 2,744 |
| Provision for loan and lease losses | $3,000 | 4,338 |
| Total noninterest income | $1,894,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $338,000 | 2,474 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,556,000 | 1,414 |
| Total noninterest expense | $5,147,000 | 2,654 |
| Salaries and employee benefits | $2,794,000 | 2,648 |
| Premises and equipment expense | $469,000 | 3,173 |
| Additional noninterest expense | $1,884,000 | 2,389 |
| Pre-tax net operating income | $2,476,000 | 2,164 |
| Securities gains (losses) | $508,000 | 298 |
| Applicable income taxes | $773,000 | 1,544 |
| Income before extraordinary items | $2,211,000 | 2,053 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,211,000 | 2,052 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $2,211,000 | 2,051 |
| Net charge-offs | $26,000 | 3,704 |
| Cash dividends | $6,437,000 | 356 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,835,080 | 2,315 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,336,000 | 2,746 |
| Total interest expense | $506,000 | 2,613 |
| Net interest income | $3,830,000 | 2,737 |
| Provision for loan and lease losses | $77,000 | 2,600 |
| Total noninterest income | $1,230,000 | 1,808 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $218,000 | 2,517 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $1,012,000 | 1,435 |
| Total noninterest expense | $3,411,000 | 2,667 |
| Salaries and employee benefits | $1,885,000 | 2,643 |
| Premises and equipment expense | $296,000 | 3,326 |
| Additional noninterest expense | $1,230,000 | 2,427 |
| Pre-tax net operating income | $1,572,000 | 2,197 |
| Securities gains (losses) | $326,000 | 331 |
| Applicable income taxes | $477,000 | 1,583 |
| Income before extraordinary items | $1,421,000 | 2,073 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,421,000 | 2,077 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,421,000 | 2,076 |
| Net charge-offs | $21,000 | 3,384 |
| Cash dividends | $532,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,176,500 | 2,324 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,171,000 | 2,736 |
| Total interest expense | $253,000 | 2,652 |
| Net interest income | $1,918,000 | 2,722 |
| Provision for loan and lease losses | $76,000 | 1,800 |
| Total noninterest income | $627,000 | 1,739 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $107,000 | 2,533 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $520,000 | 1,381 |
| Total noninterest expense | $1,652,000 | 2,755 |
| Salaries and employee benefits | $903,000 | 2,742 |
| Premises and equipment expense | $147,000 | 3,389 |
| Additional noninterest expense | $602,000 | 2,474 |
| Pre-tax net operating income | $817,000 | 2,066 |
| Securities gains (losses) | $93,000 | 468 |
| Applicable income taxes | $224,000 | 1,615 |
| Income before extraordinary items | $686,000 | 2,034 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $686,000 | 2,037 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $686,000 | 2,037 |
| Net charge-offs | $37,000 | 2,083 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $616,250 | 2,191 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,199,000 | 2,624 |
| Total interest expense | $1,079,000 | 2,793 |
| Net interest income | $8,120,000 | 2,569 |
| Provision for loan and lease losses | $124,000 | 3,458 |
| Total noninterest income | $2,642,000 | 1,786 |
| Gross Fiduciary activities income | $1,000 | 1,245 |
| Service charges on deposit accounts | $490,000 | 2,418 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,151,000 | 1,429 |
| Total noninterest expense | $7,081,000 | 2,604 |
| Salaries and employee benefits | $3,904,000 | 2,535 |
| Premises and equipment expense | $609,000 | 3,275 |
| Additional noninterest expense | $2,568,000 | 2,396 |
| Pre-tax net operating income | $3,557,000 | 1,884 |
| Securities gains (losses) | $164,000 | 1,017 |
| Applicable income taxes | $897,000 | 1,573 |
| Income before extraordinary items | $2,824,000 | 1,988 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,824,000 | 1,991 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $2,824,000 | 1,992 |
| Net charge-offs | $429,000 | 2,179 |
| Cash dividends | $675,000 | 2,409 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 819 |
| Net operating income | $2,699,360 | 2,013 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,974,000 | 2,614 |
| Total interest expense | $827,000 | 2,822 |
| Net interest income | $6,147,000 | 2,561 |
| Provision for loan and lease losses | $3,000 | 4,879 |
| Total noninterest income | $1,944,000 | 1,827 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $376,000 | 2,390 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,568,000 | 1,501 |
| Total noninterest expense | $5,104,000 | 2,694 |
| Salaries and employee benefits | $2,795,000 | 2,646 |
| Premises and equipment expense | $454,000 | 3,322 |
| Additional noninterest expense | $1,855,000 | 2,469 |
| Pre-tax net operating income | $2,984,000 | 1,754 |
| Securities gains (losses) | $190,000 | 844 |
| Applicable income taxes | $801,000 | 1,448 |
| Income before extraordinary items | $2,373,000 | 1,852 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,373,000 | 1,856 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,373,000 | 1,857 |
| Net charge-offs | $455,000 | 1,689 |
| Cash dividends | $675,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 772 |
| Net operating income | $2,230,500 | 1,893 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,670,000 | 2,605 |
| Total interest expense | $569,000 | 2,823 |
| Net interest income | $4,101,000 | 2,551 |
| Provision for loan and lease losses | $2,000 | 4,732 |
| Total noninterest income | $1,316,000 | 1,831 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $252,000 | 2,347 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,064,000 | 1,513 |
| Total noninterest expense | $3,392,000 | 2,703 |
| Salaries and employee benefits | $1,862,000 | 2,662 |
| Premises and equipment expense | $302,000 | 3,336 |
| Additional noninterest expense | $1,228,000 | 2,479 |
| Pre-tax net operating income | $2,023,000 | 1,701 |
| Securities gains (losses) | $165,000 | 832 |
| Applicable income taxes | $631,000 | 1,289 |
| Income before extraordinary items | $1,557,000 | 1,865 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,557,000 | 1,870 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,557,000 | 1,871 |
| Net charge-offs | $55,000 | 3,270 |
| Cash dividends | $625,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 740 |
| Net operating income | $1,439,850 | 1,918 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,331,000 | 2,616 |
| Total interest expense | $289,000 | 2,863 |
| Net interest income | $2,042,000 | 2,573 |
| Provision for loan and lease losses | $121,000 | 1,887 |
| Total noninterest income | $650,000 | 1,845 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $134,000 | 2,222 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $516,000 | 1,538 |
| Total noninterest expense | $1,619,000 | 2,846 |
| Salaries and employee benefits | $906,000 | 2,754 |
| Premises and equipment expense | $147,000 | 3,434 |
| Additional noninterest expense | $566,000 | 2,686 |
| Pre-tax net operating income | $952,000 | 1,792 |
| Securities gains (losses) | $169,000 | 521 |
| Applicable income taxes | $329,000 | 1,249 |
| Income before extraordinary items | $792,000 | 1,792 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $792,000 | 1,793 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $792,000 | 1,794 |
| Net charge-offs | $-36,000 | 6,623 |
| Cash dividends | $50,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 708 |
| Net operating income | $672,010 | 1,979 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,580,000 | 2,666 |
| Total interest expense | $1,366,000 | 2,912 |
| Net interest income | $8,214,000 | 2,613 |
| Provision for loan and lease losses | $979,000 | 1,792 |
| Total noninterest income | $2,468,000 | 1,886 |
| Gross Fiduciary activities income | $1,000 | 1,273 |
| Service charges on deposit accounts | $473,000 | 2,603 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,994,000 | 1,526 |
| Total noninterest expense | $6,713,000 | 2,767 |
| Salaries and employee benefits | $3,761,000 | 2,595 |
| Premises and equipment expense | $711,000 | 2,986 |
| Additional noninterest expense | $2,241,000 | 2,822 |
| Pre-tax net operating income | $2,990,000 | 2,103 |
| Securities gains (losses) | $847,000 | 616 |
| Applicable income taxes | $1,080,000 | 1,396 |
| Income before extraordinary items | $2,757,000 | 2,003 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,757,000 | 2,002 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,757,000 | 2,004 |
| Net charge-offs | $1,301,000 | 1,539 |
| Cash dividends | $150,000 | 3,779 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 862 |
| Net operating income | $2,147,160 | 2,324 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,113,000 | 2,757 |
| Total interest expense | $1,032,000 | 2,998 |
| Net interest income | $6,081,000 | 2,685 |
| Provision for loan and lease losses | $558,000 | 2,143 |
| Total noninterest income | $1,713,000 | 1,994 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $351,000 | 2,645 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,362,000 | 1,618 |
| Total noninterest expense | $4,975,000 | 2,804 |
| Salaries and employee benefits | $2,762,000 | 2,668 |
| Premises and equipment expense | $539,000 | 2,995 |
| Additional noninterest expense | $1,674,000 | 2,848 |
| Pre-tax net operating income | $2,261,000 | 2,149 |
| Securities gains (losses) | $721,000 | 566 |
| Applicable income taxes | $857,000 | 1,377 |
| Income before extraordinary items | $2,125,000 | 2,002 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,125,000 | 2,001 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,125,000 | 2,003 |
| Net charge-offs | $1,165,000 | 1,320 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 809 |
| Net operating income | $1,613,090 | 2,384 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,712,000 | 2,797 |
| Total interest expense | $696,000 | 3,069 |
| Net interest income | $4,016,000 | 2,714 |
| Provision for loan and lease losses | $352,000 | 2,222 |
| Total noninterest income | $1,026,000 | 2,122 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $234,000 | 2,629 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $792,000 | 1,764 |
| Total noninterest expense | $3,265,000 | 2,840 |
| Salaries and employee benefits | $1,802,000 | 2,729 |
| Premises and equipment expense | $358,000 | 3,008 |
| Additional noninterest expense | $1,105,000 | 2,878 |
| Pre-tax net operating income | $1,425,000 | 2,227 |
| Securities gains (losses) | $612,000 | 446 |
| Applicable income taxes | $592,000 | 1,337 |
| Income before extraordinary items | $1,445,000 | 1,948 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,445,000 | 1,946 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,445,000 | 1,948 |
| Net charge-offs | $1,197,000 | 1,000 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 789 |
| Net operating income | $1,010,480 | 2,467 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 2,820 |
| Total interest expense | $361,000 | 3,079 |
| Net interest income | $2,004,000 | 2,727 |
| Provision for loan and lease losses | $271,000 | 1,690 |
| Total noninterest income | $592,000 | 1,925 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $122,000 | 2,515 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $470,000 | 1,574 |
| Total noninterest expense | $1,641,000 | 2,827 |
| Salaries and employee benefits | $901,000 | 2,736 |
| Premises and equipment expense | $182,000 | 3,006 |
| Additional noninterest expense | $558,000 | 2,823 |
| Pre-tax net operating income | $684,000 | 2,306 |
| Securities gains (losses) | $291,000 | 467 |
| Applicable income taxes | $279,000 | 1,363 |
| Income before extraordinary items | $696,000 | 2,017 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $696,000 | 2,018 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $696,000 | 2,019 |
| Net charge-offs | $24,000 | 3,566 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 688 |
| Net operating income | $489,390 | 2,534 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,642,000 | 2,841 |
| Total interest expense | $1,803,000 | 2,991 |
| Net interest income | $7,839,000 | 2,796 |
| Provision for loan and lease losses | $680,000 | 2,983 |
| Total noninterest income | $2,624,000 | 1,660 |
| Gross Fiduciary activities income | $2,000 | 1,223 |
| Service charges on deposit accounts | $549,000 | 2,382 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,073,000 | 1,324 |
| Total noninterest expense | $6,784,000 | 2,736 |
| Salaries and employee benefits | $3,612,000 | 2,671 |
| Premises and equipment expense | $765,000 | 3,009 |
| Additional noninterest expense | $2,407,000 | 2,664 |
| Pre-tax net operating income | $2,999,000 | 1,834 |
| Securities gains (losses) | $157,000 | 1,665 |
| Applicable income taxes | $833,000 | 1,518 |
| Income before extraordinary items | $2,323,000 | 1,989 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,323,000 | 1,990 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,323,000 | 1,990 |
| Net charge-offs | $1,416,000 | 1,964 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 936 |
| Net operating income | $2,206,820 | 2,001 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,207,000 | 2,892 |
| Total interest expense | $1,399,000 | 3,027 |
| Net interest income | $5,808,000 | 2,825 |
| Provision for loan and lease losses | $79,000 | 5,215 |
| Total noninterest income | $1,904,000 | 1,667 |
| Gross Fiduciary activities income | $2,000 | 1,160 |
| Service charges on deposit accounts | $416,000 | 2,387 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,486,000 | 1,345 |
| Total noninterest expense | $4,994,000 | 2,777 |
| Salaries and employee benefits | $2,594,000 | 2,769 |
| Premises and equipment expense | $577,000 | 3,016 |
| Additional noninterest expense | $1,823,000 | 2,653 |
| Pre-tax net operating income | $2,639,000 | 1,658 |
| Securities gains (losses) | $20,000 | 2,810 |
| Applicable income taxes | $727,000 | 1,382 |
| Income before extraordinary items | $1,932,000 | 1,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,932,000 | 1,896 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,932,000 | 1,897 |
| Net charge-offs | $960,000 | 1,934 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 864 |
| Net operating income | $1,917,400 | 1,810 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,801,000 | 2,907 |
| Total interest expense | $967,000 | 3,031 |
| Net interest income | $3,834,000 | 2,843 |
| Provision for loan and lease losses | $3,000 | 6,142 |
| Total noninterest income | $1,212,000 | 1,728 |
| Gross Fiduciary activities income | $2,000 | 1,136 |
| Service charges on deposit accounts | $273,000 | 2,390 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $937,000 | 1,409 |
| Total noninterest expense | $3,343,000 | 2,796 |
| Salaries and employee benefits | $1,693,000 | 2,837 |
| Premises and equipment expense | $378,000 | 3,075 |
| Additional noninterest expense | $1,272,000 | 2,604 |
| Pre-tax net operating income | $1,700,000 | 1,670 |
| Securities gains (losses) | $-90,000 | 7,308 |
| Applicable income taxes | $372,000 | 1,597 |
| Income before extraordinary items | $1,238,000 | 1,903 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,238,000 | 1,903 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,238,000 | 1,903 |
| Net charge-offs | $784,000 | 1,687 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 801 |
| Net operating income | $1,307,300 | 1,744 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,380,000 | 2,956 |
| Total interest expense | $487,000 | 3,110 |
| Net interest income | $1,893,000 | 2,855 |
| Provision for loan and lease losses | $2,000 | 5,755 |
| Total noninterest income | $608,000 | 1,736 |
| Gross Fiduciary activities income | $1,000 | 1,126 |
| Service charges on deposit accounts | $143,000 | 2,279 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $464,000 | 1,416 |
| Total noninterest expense | $1,640,000 | 2,867 |
| Salaries and employee benefits | $830,000 | 2,906 |
| Premises and equipment expense | $185,000 | 3,179 |
| Additional noninterest expense | $625,000 | 2,635 |
| Pre-tax net operating income | $859,000 | 1,669 |
| Securities gains (losses) | $-63,000 | 7,358 |
| Applicable income taxes | $259,000 | 1,251 |
| Income before extraordinary items | $537,000 | 2,127 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $537,000 | 2,126 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $537,000 | 2,127 |
| Net charge-offs | $484,000 | 1,356 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 722 |
| Net operating income | $579,210 | 1,923 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,946,000 | 2,973 |
| Total interest expense | $2,466,000 | 3,028 |
| Net interest income | $7,480,000 | 2,909 |
| Provision for loan and lease losses | $569,000 | 3,952 |
| Total noninterest income | $2,284,000 | 1,888 |
| Gross Fiduciary activities income | $1,000 | 1,307 |
| Service charges on deposit accounts | $728,000 | 1,982 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,555,000 | 1,654 |
| Total noninterest expense | $6,685,000 | 2,834 |
| Salaries and employee benefits | $3,283,000 | 2,877 |
| Premises and equipment expense | $763,000 | 3,090 |
| Additional noninterest expense | $2,639,000 | 2,556 |
| Pre-tax net operating income | $2,510,000 | 1,885 |
| Securities gains (losses) | $-88,000 | 7,214 |
| Applicable income taxes | $783,000 | 1,454 |
| Income before extraordinary items | $1,639,000 | 2,366 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,639,000 | 2,364 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,639,000 | 2,367 |
| Net charge-offs | $927,000 | 2,789 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 1,003 |
| Net operating income | $1,698,840 | 2,203 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,535,000 | 3,011 |
| Total interest expense | $1,908,000 | 3,073 |
| Net interest income | $5,627,000 | 2,930 |
| Provision for loan and lease losses | $568,000 | 3,332 |
| Total noninterest income | $1,670,000 | 1,935 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $572,000 | 1,958 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,098,000 | 1,702 |
| Total noninterest expense | $4,919,000 | 2,882 |
| Salaries and employee benefits | $2,448,000 | 2,905 |
| Premises and equipment expense | $576,000 | 3,125 |
| Additional noninterest expense | $1,895,000 | 2,611 |
| Pre-tax net operating income | $1,810,000 | 2,055 |
| Securities gains (losses) | $-11,000 | 7,213 |
| Applicable income taxes | $609,000 | 1,454 |
| Income before extraordinary items | $1,190,000 | 2,559 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,190,000 | 2,555 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,190,000 | 2,560 |
| Net charge-offs | $568,000 | 2,902 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 951 |
| Net operating income | $1,197,260 | 2,413 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,065,000 | 3,016 |
| Total interest expense | $1,318,000 | 3,088 |
| Net interest income | $3,747,000 | 2,937 |
| Provision for loan and lease losses | $566,000 | 2,681 |
| Total noninterest income | $1,018,000 | 2,025 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $381,000 | 1,975 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $637,000 | 1,790 |
| Total noninterest expense | $3,241,000 | 2,912 |
| Salaries and employee benefits | $1,592,000 | 2,978 |
| Premises and equipment expense | $380,000 | 3,167 |
| Additional noninterest expense | $1,269,000 | 2,591 |
| Pre-tax net operating income | $958,000 | 2,459 |
| Securities gains (losses) | $32,000 | 2,144 |
| Applicable income taxes | $320,000 | 1,676 |
| Income before extraordinary items | $670,000 | 2,848 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $670,000 | 2,844 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $670,000 | 2,846 |
| Net charge-offs | $469,000 | 2,529 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 882 |
| Net operating income | $648,240 | 2,803 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,556,000 | 3,052 |
| Total interest expense | $692,000 | 3,088 |
| Net interest income | $1,864,000 | 2,968 |
| Provision for loan and lease losses | $244,000 | 2,738 |
| Total noninterest income | $508,000 | 2,011 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $186,000 | 1,999 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $322,000 | 1,756 |
| Total noninterest expense | $1,598,000 | 2,980 |
| Salaries and employee benefits | $772,000 | 3,105 |
| Premises and equipment expense | $188,000 | 3,284 |
| Additional noninterest expense | $638,000 | 2,564 |
| Pre-tax net operating income | $530,000 | 2,302 |
| Securities gains (losses) | $-13,000 | 7,520 |
| Applicable income taxes | $160,000 | 1,668 |
| Income before extraordinary items | $357,000 | 2,774 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $357,000 | 2,771 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $357,000 | 2,774 |
| Net charge-offs | $541,000 | 1,522 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 825 |
| Net operating income | $365,970 | 2,611 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,359,000 | 3,149 |
| Total interest expense | $4,000,000 | 2,735 |
| Net interest income | $6,359,000 | 3,291 |
| Provision for loan and lease losses | $977,000 | 3,546 |
| Total noninterest income | $2,061,000 | 2,086 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $896,000 | 1,852 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,165,000 | 1,948 |
| Total noninterest expense | $6,741,000 | 2,886 |
| Salaries and employee benefits | $3,228,000 | 2,996 |
| Premises and equipment expense | $789,000 | 3,152 |
| Additional noninterest expense | $2,724,000 | 2,553 |
| Pre-tax net operating income | $702,000 | 3,550 |
| Securities gains (losses) | $284,000 | 1,286 |
| Applicable income taxes | $73,000 | 3,059 |
| Income before extraordinary items | $913,000 | 2,921 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $913,000 | 2,919 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $913,000 | 2,921 |
| Net charge-offs | $2,379,000 | 1,846 |
| Cash dividends | $163,000 | 3,802 |
| Sale, conversion, retirement of capital stock, net | $4,542,000 | 201 |
| Net operating income | $648,880 | 3,420 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,671,000 | 3,234 |
| Total interest expense | $3,139,000 | 2,748 |
| Net interest income | $4,532,000 | 3,448 |
| Provision for loan and lease losses | $707,000 | 3,261 |
| Total noninterest income | $1,524,000 | 2,148 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $666,000 | 1,880 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $858,000 | 2,033 |
| Total noninterest expense | $4,932,000 | 2,948 |
| Salaries and employee benefits | $2,429,000 | 3,008 |
| Premises and equipment expense | $602,000 | 3,155 |
| Additional noninterest expense | $1,901,000 | 2,676 |
| Pre-tax net operating income | $417,000 | 4,138 |
| Securities gains (losses) | $258,000 | 1,121 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $675,000 | 3,199 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $675,000 | 3,197 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $675,000 | 3,199 |
| Net charge-offs | $1,851,000 | 1,574 |
| Cash dividends | $132,000 | 3,420 |
| Sale, conversion, retirement of capital stock, net | $4,531,000 | 163 |
| Net operating income | $417,000 | 3,887 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,098,000 | 3,265 |
| Total interest expense | $2,180,000 | 2,760 |
| Net interest income | $2,918,000 | 3,535 |
| Provision for loan and lease losses | $495,000 | 2,986 |
| Total noninterest income | $1,056,000 | 2,092 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $435,000 | 1,884 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $621,000 | 1,955 |
| Total noninterest expense | $3,235,000 | 3,022 |
| Salaries and employee benefits | $1,647,000 | 3,010 |
| Premises and equipment expense | $406,000 | 3,142 |
| Additional noninterest expense | $1,182,000 | 2,871 |
| Pre-tax net operating income | $244,000 | 4,407 |
| Securities gains (losses) | $259,000 | 856 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $503,000 | 3,083 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $503,000 | 3,081 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $503,000 | 3,082 |
| Net charge-offs | $1,759,000 | 1,222 |
| Cash dividends | $97,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $4,521,000 | 119 |
| Net operating income | $244,000 | 4,173 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,545,000 | 3,300 |
| Total interest expense | $1,136,000 | 2,758 |
| Net interest income | $1,409,000 | 3,626 |
| Provision for loan and lease losses | $53,000 | 4,848 |
| Total noninterest income | $512,000 | 2,104 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $206,000 | 1,911 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $306,000 | 1,926 |
| Total noninterest expense | $1,565,000 | 3,027 |
| Salaries and employee benefits | $821,000 | 3,037 |
| Premises and equipment expense | $214,000 | 3,070 |
| Additional noninterest expense | $530,000 | 2,857 |
| Pre-tax net operating income | $303,000 | 3,323 |
| Securities gains (losses) | $151,000 | 792 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $454,000 | 2,317 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $454,000 | 2,317 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $454,000 | 2,319 |
| Net charge-offs | $1,415,000 | 768 |
| Cash dividends | $53,000 | 2,620 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 870 |
| Net operating income | $303,000 | 2,956 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,823,000 | 3,083 |
| Total interest expense | $5,326,000 | 2,810 |
| Net interest income | $6,497,000 | 3,266 |
| Provision for loan and lease losses | $3,954,000 | 1,183 |
| Total noninterest income | $2,146,000 | 2,027 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,007,000 | 1,749 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,139,000 | 1,952 |
| Total noninterest expense | $6,911,000 | 2,718 |
| Salaries and employee benefits | $3,501,000 | 2,825 |
| Premises and equipment expense | $893,000 | 2,889 |
| Additional noninterest expense | $2,517,000 | 2,323 |
| Pre-tax net operating income | $-2,222,000 | 7,422 |
| Securities gains (losses) | $-1,844,000 | 7,869 |
| Applicable income taxes | $-1,526,000 | 7,848 |
| Income before extraordinary items | $-2,540,000 | 7,516 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,540,000 | 7,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,323,000 | 1,679 |
| Cash dividends | $512,000 | 3,325 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 1,160 |
| Net operating income | $-1,359,840 | 7,265 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,516,000 | 2,946 |
| Total interest expense | $4,015,000 | 2,895 |
| Net interest income | $5,501,000 | 2,946 |
| Provision for loan and lease losses | $1,537,000 | 1,401 |
| Total noninterest income | $1,198,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $780,000 | 1,717 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $418,000 | 3,111 |
| Total noninterest expense | $5,144,000 | 2,717 |
| Salaries and employee benefits | $2,665,000 | 2,801 |
| Premises and equipment expense | $667,000 | 2,929 |
| Additional noninterest expense | $1,812,000 | 2,347 |
| Pre-tax net operating income | $18,000 | 6,686 |
| Securities gains (losses) | $234,000 | 554 |
| Applicable income taxes | $-109,000 | 7,549 |
| Income before extraordinary items | $361,000 | 4,940 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $361,000 | 4,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $951,000 | 1,352 |
| Cash dividends | $448,000 | 2,913 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 1,035 |
| Net operating income | $127,000 | 6,199 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,441,000 | 2,947 |
| Total interest expense | $2,716,000 | 2,966 |
| Net interest income | $3,725,000 | 2,897 |
| Provision for loan and lease losses | $122,000 | 3,949 |
| Total noninterest income | $765,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $467,000 | 1,850 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $298,000 | 3,026 |
| Total noninterest expense | $3,492,000 | 2,685 |
| Salaries and employee benefits | $1,836,000 | 2,760 |
| Premises and equipment expense | $444,000 | 2,940 |
| Additional noninterest expense | $1,212,000 | 2,319 |
| Pre-tax net operating income | $876,000 | 3,234 |
| Securities gains (losses) | $242,000 | 535 |
| Applicable income taxes | $297,000 | 2,225 |
| Income before extraordinary items | $821,000 | 2,992 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $821,000 | 2,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 1,900 |
| Cash dividends | $385,000 | 2,633 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 951 |
| Net operating income | $644,340 | 3,430 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,350,000 | 2,924 |
| Total interest expense | $1,460,000 | 2,957 |
| Net interest income | $1,890,000 | 2,845 |
| Provision for loan and lease losses | $118,000 | 2,515 |
| Total noninterest income | $368,000 | 2,756 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $225,000 | 1,887 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $143,000 | 3,122 |
| Total noninterest expense | $1,725,000 | 2,705 |
| Salaries and employee benefits | $915,000 | 2,781 |
| Premises and equipment expense | $219,000 | 2,978 |
| Additional noninterest expense | $591,000 | 2,345 |
| Pre-tax net operating income | $415,000 | 3,470 |
| Securities gains (losses) | $200,000 | 443 |
| Applicable income taxes | $172,000 | 2,154 |
| Income before extraordinary items | $443,000 | 2,965 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $443,000 | 2,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 1,535 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 822 |
| Net operating income | $299,000 | 3,722 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,107,000 | 2,662 |
| Total interest expense | $7,139,000 | 2,572 |
| Net interest income | $7,968,000 | 2,736 |
| Provision for loan and lease losses | $4,253,000 | 476 |
| Total noninterest income | $1,329,000 | 2,929 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $913,000 | 1,906 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $416,000 | 3,663 |
| Total noninterest expense | $6,368,000 | 2,810 |
| Salaries and employee benefits | $3,213,000 | 3,054 |
| Premises and equipment expense | $871,000 | 2,882 |
| Additional noninterest expense | $2,284,000 | 2,363 |
| Pre-tax net operating income | $-1,324,000 | 8,146 |
| Securities gains (losses) | $74,000 | 686 |
| Applicable income taxes | $-858,000 | 8,386 |
| Income before extraordinary items | $-392,000 | 7,828 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-392,000 | 7,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,765,000 | 388 |
| Cash dividends | $478,000 | 3,793 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 885 |
| Net operating income | $-439,360 | 7,838 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,338,000 | 2,662 |
| Total interest expense | $5,417,000 | 2,546 |
| Net interest income | $5,921,000 | 2,761 |
| Provision for loan and lease losses | $2,941,000 | 389 |
| Total noninterest income | $950,000 | 3,022 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $673,000 | 1,919 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $277,000 | 3,900 |
| Total noninterest expense | $4,817,000 | 2,753 |
| Salaries and employee benefits | $2,462,000 | 2,970 |
| Premises and equipment expense | $650,000 | 2,870 |
| Additional noninterest expense | $1,705,000 | 2,326 |
| Pre-tax net operating income | $-887,000 | 8,259 |
| Securities gains (losses) | $11,000 | 979 |
| Applicable income taxes | $-536,000 | 8,450 |
| Income before extraordinary items | $-340,000 | 8,034 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-340,000 | 8,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,057 |
| Cash dividends | $307,000 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 900 |
| Net operating income | $-347,040 | 8,025 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,539,000 | 2,686 |
| Total interest expense | $3,628,000 | 2,548 |
| Net interest income | $3,911,000 | 2,810 |
| Provision for loan and lease losses | $2,440,000 | 280 |
| Total noninterest income | $579,000 | 3,237 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $437,000 | 1,970 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $142,000 | 4,425 |
| Total noninterest expense | $3,127,000 | 2,861 |
| Salaries and employee benefits | $1,611,000 | 3,053 |
| Premises and equipment expense | $422,000 | 2,965 |
| Additional noninterest expense | $1,094,000 | 2,416 |
| Pre-tax net operating income | $-1,077,000 | 8,472 |
| Securities gains (losses) | $3,000 | 1,133 |
| Applicable income taxes | $-535,000 | 8,555 |
| Income before extraordinary items | $-539,000 | 8,351 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-539,000 | 8,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,019 |
| Cash dividends | $207,000 | 3,580 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 792 |
| Net operating income | $-540,920 | 8,345 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,804,000 | 2,659 |
| Total interest expense | $1,802,000 | 2,538 |
| Net interest income | $2,002,000 | 2,755 |
| Provision for loan and lease losses | $26,000 | 4,092 |
| Total noninterest income | $274,000 | 3,317 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $205,000 | 2,009 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $69,000 | 4,489 |
| Total noninterest expense | $1,554,000 | 2,890 |
| Salaries and employee benefits | $822,000 | 3,014 |
| Premises and equipment expense | $208,000 | 3,009 |
| Additional noninterest expense | $524,000 | 2,512 |
| Pre-tax net operating income | $696,000 | 2,814 |
| Securities gains (losses) | $4,000 | 855 |
| Applicable income taxes | $209,000 | 2,343 |
| Income before extraordinary items | $491,000 | 3,068 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $491,000 | 3,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $95,000 | 3,209 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 742 |
| Net operating income | $488,200 | 3,062 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,984,000 | 2,691 |
| Total interest expense | $5,607,000 | 2,749 |
| Net interest income | $8,377,000 | 2,664 |
| Provision for loan and lease losses | $756,000 | 1,325 |
| Total noninterest income | $1,323,000 | 2,939 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,031,000 | 1,711 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $292,000 | 4,350 |
| Total noninterest expense | $5,672,000 | 3,012 |
| Salaries and employee benefits | $3,013,000 | 3,116 |
| Premises and equipment expense | $786,000 | 3,052 |
| Additional noninterest expense | $1,873,000 | 2,718 |
| Pre-tax net operating income | $3,272,000 | 2,623 |
| Securities gains (losses) | $191,000 | 394 |
| Applicable income taxes | $1,160,000 | 1,993 |
| Income before extraordinary items | $2,303,000 | 2,793 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,303,000 | 2,794 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $821,000 | 823 |
| Cash dividends | $176,000 | 5,070 |
| Sale, conversion, retirement of capital stock, net | $226,000 | 744 |
| Net operating income | $2,175,030 | 2,912 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,181,000 | 2,751 |
| Total interest expense | $3,931,000 | 2,821 |
| Net interest income | $6,250,000 | 2,701 |
| Provision for loan and lease losses | $435,000 | 1,584 |
| Total noninterest income | $1,033,000 | 2,865 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $815,000 | 1,632 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $218,000 | 4,354 |
| Total noninterest expense | $4,195,000 | 3,043 |
| Salaries and employee benefits | $2,276,000 | 3,081 |
| Premises and equipment expense | $559,000 | 3,176 |
| Additional noninterest expense | $1,360,000 | 2,785 |
| Pre-tax net operating income | $2,653,000 | 2,541 |
| Securities gains (losses) | $196,000 | 339 |
| Applicable income taxes | $956,000 | 1,941 |
| Income before extraordinary items | $1,893,000 | 2,693 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,893,000 | 2,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 1,305 |
| Cash dividends | $176,000 | 4,304 |
| Sale, conversion, retirement of capital stock, net | $36,000 | 854 |
| Net operating income | $1,763,640 | 2,824 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,516,000 | 2,816 |
| Total interest expense | $2,398,000 | 2,921 |
| Net interest income | $4,118,000 | 2,726 |
| Provision for loan and lease losses | $169,000 | 2,419 |
| Total noninterest income | $692,000 | 2,846 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $555,000 | 1,584 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 4,474 |
| Total noninterest expense | $2,740,000 | 3,100 |
| Salaries and employee benefits | $1,491,000 | 3,135 |
| Premises and equipment expense | $353,000 | 3,306 |
| Additional noninterest expense | $896,000 | 2,827 |
| Pre-tax net operating income | $1,901,000 | 2,410 |
| Securities gains (losses) | $13,000 | 684 |
| Applicable income taxes | $652,000 | 1,944 |
| Income before extraordinary items | $1,262,000 | 2,683 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,262,000 | 2,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $243,000 | 958 |
| Cash dividends | $176,000 | 3,853 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 731 |
| Net operating income | $1,253,420 | 2,686 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,108,000 | 2,884 |
| Total interest expense | $1,119,000 | 2,976 |
| Net interest income | $1,989,000 | 2,792 |
| Provision for loan and lease losses | $51,000 | 3,086 |
| Total noninterest income | $343,000 | 2,830 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $279,000 | 1,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $1,332,000 | 3,192 |
| Salaries and employee benefits | $720,000 | 3,253 |
| Premises and equipment expense | $179,000 | 3,284 |
| Additional noninterest expense | $433,000 | 2,904 |
| Pre-tax net operating income | $949,000 | 2,372 |
| Securities gains (losses) | $10,000 | 584 |
| Applicable income taxes | $327,000 | 1,910 |
| Income before extraordinary items | $632,000 | 2,637 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $632,000 | 2,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 604 |
| Cash dividends | $84,000 | 3,259 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 539 |
| Net operating income | $625,400 | 2,637 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,550,000 | 3,020 |
| Total interest expense | $3,385,000 | 3,023 |
| Net interest income | $7,165,000 | 2,987 |
| Provision for loan and lease losses | $374,000 | 2,399 |
| Total noninterest income | $1,523,000 | 2,661 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,287,000 | 1,369 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $236,000 | 4,845 |
| Total noninterest expense | $5,040,000 | 3,221 |
| Salaries and employee benefits | $2,638,000 | 3,325 |
| Premises and equipment expense | $704,000 | 3,212 |
| Additional noninterest expense | $1,698,000 | 2,919 |
| Pre-tax net operating income | $3,274,000 | 2,577 |
| Securities gains (losses) | $-5,000 | 7,296 |
| Applicable income taxes | $1,105,000 | 2,124 |
| Income before extraordinary items | $2,164,000 | 2,895 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,164,000 | 2,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,012 |
| Cash dividends | $274,000 | 4,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,167,300 | 2,857 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,566,000 | 3,082 |
| Total interest expense | $2,372,000 | 3,057 |
| Net interest income | $5,194,000 | 3,057 |
| Provision for loan and lease losses | $298,000 | 2,221 |
| Total noninterest income | $1,183,000 | 2,609 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $989,000 | 1,326 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $193,000 | 4,673 |
| Total noninterest expense | $3,736,000 | 3,220 |
| Salaries and employee benefits | $1,926,000 | 3,391 |
| Premises and equipment expense | $522,000 | 3,238 |
| Additional noninterest expense | $1,288,000 | 2,852 |
| Pre-tax net operating income | $2,343,000 | 2,701 |
| Securities gains (losses) | $-6,000 | 7,744 |
| Applicable income taxes | $787,000 | 2,223 |
| Income before extraordinary items | $1,550,000 | 3,047 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,550,000 | 3,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,419 |
| Cash dividends | $197,000 | 4,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,553,960 | 3,005 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,842,000 | 3,130 |
| Total interest expense | $1,467,000 | 3,101 |
| Net interest income | $3,375,000 | 3,086 |
| Provision for loan and lease losses | $187,000 | 2,263 |
| Total noninterest income | $796,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $659,000 | 1,306 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $137,000 | 4,512 |
| Total noninterest expense | $2,476,000 | 3,227 |
| Salaries and employee benefits | $1,261,000 | 3,412 |
| Premises and equipment expense | $347,000 | 3,221 |
| Additional noninterest expense | $868,000 | 2,810 |
| Pre-tax net operating income | $1,508,000 | 2,738 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $519,000 | 2,224 |
| Income before extraordinary items | $985,000 | 3,128 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $985,000 | 3,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,534 |
| Cash dividends | $126,000 | 4,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $987,600 | 3,080 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 3,201 |
| Total interest expense | $683,000 | 3,179 |
| Net interest income | $1,635,000 | 3,160 |
| Provision for loan and lease losses | $129,000 | 1,651 |
| Total noninterest income | $394,000 | 2,514 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $320,000 | 1,280 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $74,000 | 4,342 |
| Total noninterest expense | $1,185,000 | 3,345 |
| Salaries and employee benefits | $570,000 | 3,711 |
| Premises and equipment expense | $177,000 | 3,187 |
| Additional noninterest expense | $438,000 | 2,767 |
| Pre-tax net operating income | $715,000 | 2,807 |
| Securities gains (losses) | $-3,000 | 8,297 |
| Applicable income taxes | $255,000 | 2,240 |
| Income before extraordinary items | $457,000 | 3,274 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $457,000 | 3,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,934 |
| Cash dividends | $58,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $458,920 | 3,222 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,020,000 | 3,408 |
| Total interest expense | $2,363,000 | 3,189 |
| Net interest income | $5,657,000 | 3,453 |
| Provision for loan and lease losses | $452,000 | 2,136 |
| Total noninterest income | $1,384,000 | 2,835 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,187,000 | 1,484 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $197,000 | 5,139 |
| Total noninterest expense | $4,383,000 | 3,491 |
| Salaries and employee benefits | $2,185,000 | 3,712 |
| Premises and equipment expense | $702,000 | 3,123 |
| Additional noninterest expense | $1,496,000 | 3,127 |
| Pre-tax net operating income | $2,206,000 | 3,287 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $806,000 | 2,522 |
| Income before extraordinary items | $1,416,000 | 3,772 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,416,000 | 3,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,625 |
| Cash dividends | $185,000 | 4,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,405,760 | 3,737 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,814,000 | 3,472 |
| Total interest expense | $1,705,000 | 3,233 |
| Net interest income | $4,109,000 | 3,521 |
| Provision for loan and lease losses | $362,000 | 1,927 |
| Total noninterest income | $985,000 | 2,966 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $840,000 | 1,570 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $145,000 | 5,198 |
| Total noninterest expense | $3,126,000 | 3,583 |
| Salaries and employee benefits | $1,592,000 | 3,777 |
| Premises and equipment expense | $521,000 | 3,141 |
| Additional noninterest expense | $1,013,000 | 3,386 |
| Pre-tax net operating income | $1,606,000 | 3,426 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $581,000 | 2,628 |
| Income before extraordinary items | $1,043,000 | 3,900 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,043,000 | 3,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,946 |
| Cash dividends | $25,000 | 5,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,031,480 | 3,861 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,781,000 | 3,530 |
| Total interest expense | $1,100,000 | 3,309 |
| Net interest income | $2,681,000 | 3,571 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $609,000 | 3,130 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $499,000 | 1,759 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $110,000 | 4,970 |
| Total noninterest expense | $2,030,000 | 3,689 |
| Salaries and employee benefits | $1,052,000 | 3,832 |
| Premises and equipment expense | $348,000 | 3,141 |
| Additional noninterest expense | $630,000 | 3,599 |
| Pre-tax net operating income | $1,080,000 | 3,353 |
| Securities gains (losses) | $20,000 | 2,036 |
| Applicable income taxes | $403,000 | 2,544 |
| Income before extraordinary items | $697,000 | 3,852 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $697,000 | 3,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $684,200 | 3,819 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 3,617 |
| Total interest expense | $534,000 | 3,442 |
| Net interest income | $1,312,000 | 3,626 |
| Provision for loan and lease losses | $113,000 | 1,932 |
| Total noninterest income | $256,000 | 3,469 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $202,000 | 2,061 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $54,000 | 4,970 |
| Total noninterest expense | $979,000 | 3,823 |
| Salaries and employee benefits | $511,000 | 3,936 |
| Premises and equipment expense | $178,000 | 3,109 |
| Additional noninterest expense | $290,000 | 3,846 |
| Pre-tax net operating income | $476,000 | 3,657 |
| Securities gains (losses) | $25,000 | 1,594 |
| Applicable income taxes | $182,000 | 2,728 |
| Income before extraordinary items | $319,000 | 4,110 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $319,000 | 4,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $303,000 | 4,117 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,988,000 | 3,832 |
| Total interest expense | $2,007,000 | 4,019 |
| Net interest income | $4,981,000 | 3,688 |
| Provision for loan and lease losses | $283,000 | 3,314 |
| Total noninterest income | $823,000 | 4,173 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $669,000 | 2,457 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $154,000 | 5,780 |
| Total noninterest expense | $3,955,000 | 3,748 |
| Salaries and employee benefits | $1,971,000 | 3,976 |
| Premises and equipment expense | $686,000 | 3,128 |
| Additional noninterest expense | $1,298,000 | 3,492 |
| Pre-tax net operating income | $1,566,000 | 4,015 |
| Securities gains (losses) | $-26,000 | 8,900 |
| Applicable income taxes | $507,000 | 3,351 |
| Income before extraordinary items | $1,033,000 | 4,554 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,033,000 | 4,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,958 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,050,420 | 4,333 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,177,000 | 3,915 |
| Total interest expense | $1,492,000 | 4,159 |
| Net interest income | $3,685,000 | 3,756 |
| Provision for loan and lease losses | $219,000 | 3,197 |
| Total noninterest income | $612,000 | 4,237 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $478,000 | 2,578 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $134,000 | 5,555 |
| Total noninterest expense | $2,901,000 | 3,795 |
| Salaries and employee benefits | $1,481,000 | 3,959 |
| Premises and equipment expense | $508,000 | 3,180 |
| Additional noninterest expense | $912,000 | 3,677 |
| Pre-tax net operating income | $1,177,000 | 4,129 |
| Securities gains (losses) | $-32,000 | 9,049 |
| Applicable income taxes | $363,000 | 3,579 |
| Income before extraordinary items | $782,000 | 4,661 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $782,000 | 4,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,148 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $803,760 | 4,415 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,410,000 | 3,991 |
| Total interest expense | $1,004,000 | 4,244 |
| Net interest income | $2,406,000 | 3,819 |
| Provision for loan and lease losses | $149,000 | 3,161 |
| Total noninterest income | $390,000 | 4,308 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $302,000 | 2,635 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $88,000 | 5,563 |
| Total noninterest expense | $1,896,000 | 3,846 |
| Salaries and employee benefits | $978,000 | 3,992 |
| Premises and equipment expense | $334,000 | 3,202 |
| Additional noninterest expense | $584,000 | 3,777 |
| Pre-tax net operating income | $751,000 | 4,233 |
| Securities gains (losses) | $-18,000 | 9,101 |
| Applicable income taxes | $220,000 | 3,779 |
| Income before extraordinary items | $513,000 | 4,730 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $513,000 | 4,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,423 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $525,600 | 4,461 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,633,000 | 4,157 |
| Total interest expense | $497,000 | 4,357 |
| Net interest income | $1,136,000 | 3,992 |
| Provision for loan and lease losses | $87,000 | 2,637 |
| Total noninterest income | $185,000 | 4,352 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $147,000 | 2,616 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $38,000 | 5,786 |
| Total noninterest expense | $904,000 | 3,977 |
| Salaries and employee benefits | $461,000 | 4,157 |
| Premises and equipment expense | $164,000 | 3,248 |
| Additional noninterest expense | $279,000 | 3,874 |
| Pre-tax net operating income | $330,000 | 4,541 |
| Securities gains (losses) | $-9,000 | 9,150 |
| Applicable income taxes | $60,000 | 4,823 |
| Income before extraordinary items | $261,000 | 4,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $261,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $268,290 | 4,333 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,911,000 | 4,610 |
| Total interest expense | $1,729,000 | 5,268 |
| Net interest income | $4,182,000 | 4,207 |
| Provision for loan and lease losses | $546,000 | 2,235 |
| Total noninterest income | $619,000 | 4,645 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $469,000 | 3,137 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $150,000 | 5,605 |
| Total noninterest expense | $3,241,000 | 4,201 |
| Salaries and employee benefits | $1,701,000 | 4,270 |
| Premises and equipment expense | $496,000 | 3,948 |
| Additional noninterest expense | $1,044,000 | 4,031 |
| Pre-tax net operating income | $1,014,000 | 5,171 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,024,000 | 4,528 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,024,000 | 4,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,727 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,014,000 | 4,433 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,570,000 | 5,919 |
| Total interest expense | $2,191,000 | 5,822 |
| Net interest income | $2,379,000 | 5,883 |
| Provision for loan and lease losses | $261,000 | 3,512 |
| Total noninterest income | $424,000 | 5,526 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $314,000 | 4,046 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $110,000 | 6,201 |
| Total noninterest expense | $2,671,000 | 4,740 |
| Salaries and employee benefits | $1,400,000 | 4,753 |
| Premises and equipment expense | $428,000 | 4,388 |
| Additional noninterest expense | $843,000 | 4,619 |
| Pre-tax net operating income | $-129,000 | 8,894 |
| Securities gains (losses) | $93,000 | 1,809 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-36,000 | 8,882 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-36,000 | 8,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,919 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 838 |
| Net operating income | $-129,000 | 8,930 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,151,000 | 7,255 |
| Total interest expense | $1,423,000 | 7,302 |
| Net interest income | $1,728,000 | 7,056 |
| Provision for loan and lease losses | $286,000 | 2,964 |
| Total noninterest income | $182,000 | 7,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 5,596 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 8,953 |
| Total noninterest expense | $1,800,000 | 6,056 |
| Salaries and employee benefits | $956,000 | 6,104 |
| Premises and equipment expense | $366,000 | 4,797 |
| Additional noninterest expense | $478,000 | 6,598 |
| Pre-tax net operating income | $-176,000 | 9,317 |
| Securities gains (losses) | $-9,000 | 8,282 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-185,000 | 9,362 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-185,000 | 9,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,007 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-176,000 | 9,351 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 9,484 |
| Total interest expense | $353,000 | 9,724 |
| Net interest income | $787,000 | 9,090 |
| Provision for loan and lease losses | $215,000 | 3,402 |
| Total noninterest income | $59,000 | 9,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,676 |
| Total noninterest expense | $1,390,000 | 7,063 |
| Salaries and employee benefits | $765,000 | 6,920 |
| Premises and equipment expense | $190,000 | 6,970 |
| Additional noninterest expense | $435,000 | 7,006 |
| Pre-tax net operating income | $-759,000 | 9,988 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-759,000 | 10,018 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-759,000 | 10,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $10,061,000 | 73 |
| Net operating income | $-759,000 | 10,007 |
* 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.