Home > State Bank of Ledyard > Income and Expense
State Bank of Ledyard, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,169,000 | 6,542 |
| Total interest expense | $193,000 | 6,275 |
| Net interest income | $976,000 | 6,548 |
| Provision for loan and lease losses | $166,000 | 3,751 |
| Total noninterest income | $55,000 | 6,605 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $38,000 | 6,290 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $17,000 | 6,371 |
| Total noninterest expense | $518,000 | 6,924 |
| Salaries and employee benefits | $325,000 | 6,816 |
| Premises and equipment expense | $66,000 | 6,691 |
| Additional noninterest expense | $127,000 | 7,027 |
| Pre-tax net operating income | $347,000 | 5,137 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $19,000 | 4,178 |
| Income before extraordinary items | $328,000 | 5,217 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $328,000 | 5,215 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $328,000 | 5,215 |
| Net charge-offs | $142,000 | 3,655 |
| Cash dividends | $350,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $328,000 | 5,022 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $781,000 | 6,591 |
| Total interest expense | $134,000 | 6,320 |
| Net interest income | $647,000 | 6,597 |
| Provision for loan and lease losses | $126,000 | 3,559 |
| Total noninterest income | $35,000 | 6,673 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $26,000 | 6,302 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 6,480 |
| Total noninterest expense | $334,000 | 6,999 |
| Salaries and employee benefits | $205,000 | 6,914 |
| Premises and equipment expense | $45,000 | 6,725 |
| Additional noninterest expense | $84,000 | 7,091 |
| Pre-tax net operating income | $222,000 | 5,190 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $12,000 | 4,173 |
| Income before extraordinary items | $210,000 | 5,282 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $210,000 | 5,281 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $210,000 | 5,281 |
| Net charge-offs | $103,000 | 3,380 |
| Cash dividends | $350,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $210,000 | 5,076 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $399,000 | 6,632 |
| Total interest expense | $69,000 | 6,380 |
| Net interest income | $330,000 | 6,625 |
| Provision for loan and lease losses | $15,000 | 4,598 |
| Total noninterest income | $15,000 | 6,801 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $12,000 | 6,375 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,000 | 6,669 |
| Total noninterest expense | $166,000 | 7,065 |
| Salaries and employee benefits | $102,000 | 6,979 |
| Premises and equipment expense | $23,000 | 6,746 |
| Additional noninterest expense | $41,000 | 7,156 |
| Pre-tax net operating income | $164,000 | 4,801 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $9,000 | 4,034 |
| Income before extraordinary items | $155,000 | 4,792 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $155,000 | 4,795 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $155,000 | 4,796 |
| Net charge-offs | $-1,000 | 5,761 |
| Cash dividends | $350,000 | 1,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $155,000 | 4,649 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,624,000 | 6,686 |
| Total interest expense | $363,000 | 6,343 |
| Net interest income | $1,261,000 | 6,724 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $63,000 | 6,709 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $53,000 | 6,269 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $10,000 | 6,530 |
| Total noninterest expense | $673,000 | 7,133 |
| Salaries and employee benefits | $414,000 | 7,037 |
| Premises and equipment expense | $84,000 | 6,938 |
| Additional noninterest expense | $175,000 | 7,197 |
| Pre-tax net operating income | $651,000 | 4,393 |
| Securities gains (losses) | $2,000 | 3,652 |
| Applicable income taxes | $30,000 | 3,960 |
| Income before extraordinary items | $623,000 | 4,333 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $623,000 | 4,335 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $623,000 | 4,335 |
| Net charge-offs | $54,000 | 5,435 |
| Cash dividends | $405,000 | 2,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $621,100 | 4,212 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,227,000 | 6,750 |
| Total interest expense | $284,000 | 6,390 |
| Net interest income | $943,000 | 6,787 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $45,000 | 6,828 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $38,000 | 6,352 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $7,000 | 6,714 |
| Total noninterest expense | $488,000 | 7,200 |
| Salaries and employee benefits | $301,000 | 7,097 |
| Premises and equipment expense | $59,000 | 7,034 |
| Additional noninterest expense | $128,000 | 7,272 |
| Pre-tax net operating income | $500,000 | 4,477 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $22,000 | 4,001 |
| Income before extraordinary items | $478,000 | 4,394 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $478,000 | 4,395 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $478,000 | 4,395 |
| Net charge-offs | $61,000 | 4,837 |
| Cash dividends | $405,000 | 2,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $478,000 | 4,268 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $815,000 | 6,817 |
| Total interest expense | $195,000 | 6,458 |
| Net interest income | $620,000 | 6,853 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $29,000 | 6,922 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $24,000 | 6,404 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 6,772 |
| Total noninterest expense | $330,000 | 7,274 |
| Salaries and employee benefits | $201,000 | 7,163 |
| Premises and equipment expense | $39,000 | 7,097 |
| Additional noninterest expense | $90,000 | 7,325 |
| Pre-tax net operating income | $319,000 | 4,530 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $14,000 | 3,977 |
| Income before extraordinary items | $305,000 | 4,420 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $305,000 | 4,419 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $305,000 | 4,421 |
| Net charge-offs | $46,000 | 4,519 |
| Cash dividends | $405,000 | 1,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $305,000 | 4,338 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $405,000 | 6,872 |
| Total interest expense | $101,000 | 6,504 |
| Net interest income | $304,000 | 6,907 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $14,000 | 7,002 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $11,000 | 6,455 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $3,000 | 6,858 |
| Total noninterest expense | $163,000 | 7,330 |
| Salaries and employee benefits | $101,000 | 7,207 |
| Premises and equipment expense | $19,000 | 7,150 |
| Additional noninterest expense | $43,000 | 7,410 |
| Pre-tax net operating income | $155,000 | 4,595 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $5,000 | 4,051 |
| Income before extraordinary items | $150,000 | 4,454 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $150,000 | 4,453 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $150,000 | 4,454 |
| Net charge-offs | $46,000 | 3,425 |
| Cash dividends | $405,000 | 881 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $150,000 | 4,388 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 6,994 |
| Total interest expense | $413,000 | 6,759 |
| Net interest income | $1,174,000 | 7,000 |
| Provision for loan and lease losses | $81,000 | 6,171 |
| Total noninterest income | $85,000 | 6,788 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $52,000 | 6,202 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $33,000 | 6,362 |
| Total noninterest expense | $707,000 | 7,373 |
| Salaries and employee benefits | $421,000 | 7,282 |
| Premises and equipment expense | $77,000 | 7,258 |
| Additional noninterest expense | $209,000 | 7,391 |
| Pre-tax net operating income | $471,000 | 4,438 |
| Securities gains (losses) | $8,000 | 3,363 |
| Applicable income taxes | $24,000 | 3,939 |
| Income before extraordinary items | $455,000 | 4,443 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $455,000 | 4,443 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $455,000 | 4,443 |
| Net charge-offs | $85,000 | 5,548 |
| Cash dividends | $180,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $447,400 | 4,325 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,190,000 | 7,102 |
| Total interest expense | $306,000 | 6,912 |
| Net interest income | $884,000 | 7,102 |
| Provision for loan and lease losses | $61,000 | 6,100 |
| Total noninterest income | $67,000 | 6,900 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $36,000 | 6,334 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $31,000 | 6,404 |
| Total noninterest expense | $513,000 | 7,473 |
| Salaries and employee benefits | $300,000 | 7,395 |
| Premises and equipment expense | $57,000 | 7,348 |
| Additional noninterest expense | $156,000 | 7,481 |
| Pre-tax net operating income | $377,000 | 4,592 |
| Securities gains (losses) | $8,000 | 3,163 |
| Applicable income taxes | $18,000 | 4,039 |
| Income before extraordinary items | $367,000 | 4,590 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $367,000 | 4,594 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $367,000 | 4,593 |
| Net charge-offs | $86,000 | 5,056 |
| Cash dividends | $180,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $359,400 | 4,434 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $772,000 | 7,188 |
| Total interest expense | $197,000 | 7,025 |
| Net interest income | $575,000 | 7,171 |
| Provision for loan and lease losses | $41,000 | 5,988 |
| Total noninterest income | $50,000 | 6,850 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $21,000 | 6,463 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $29,000 | 6,184 |
| Total noninterest expense | $330,000 | 7,562 |
| Salaries and employee benefits | $201,000 | 7,448 |
| Premises and equipment expense | $38,000 | 7,402 |
| Additional noninterest expense | $91,000 | 7,616 |
| Pre-tax net operating income | $254,000 | 4,626 |
| Securities gains (losses) | $8,000 | 2,663 |
| Applicable income taxes | $15,000 | 3,923 |
| Income before extraordinary items | $247,000 | 4,598 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $247,000 | 4,598 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $247,000 | 4,598 |
| Net charge-offs | $4,000 | 6,102 |
| Cash dividends | $180,000 | 2,392 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $239,480 | 4,495 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $387,000 | 7,288 |
| Total interest expense | $97,000 | 7,159 |
| Net interest income | $290,000 | 7,245 |
| Provision for loan and lease losses | $20,000 | 5,721 |
| Total noninterest income | $36,000 | 6,531 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $9,000 | 6,608 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $27,000 | 5,578 |
| Total noninterest expense | $164,000 | 7,670 |
| Salaries and employee benefits | $97,000 | 7,576 |
| Premises and equipment expense | $20,000 | 7,448 |
| Additional noninterest expense | $47,000 | 7,696 |
| Pre-tax net operating income | $142,000 | 4,632 |
| Securities gains (losses) | $5,000 | 1,894 |
| Applicable income taxes | $9,000 | 3,859 |
| Income before extraordinary items | $138,000 | 4,522 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $138,000 | 4,522 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $138,000 | 4,521 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $180,000 | 1,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $133,300 | 4,468 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 7,426 |
| Total interest expense | $448,000 | 7,241 |
| Net interest income | $1,045,000 | 7,401 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $105,000 | 6,947 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $66,000 | 6,233 |
| Trading account gains and fees | $30,000 | 172 |
| Additional Noninterest Income | $9,000 | 7,208 |
| Total noninterest expense | $708,000 | 7,715 |
| Salaries and employee benefits | $407,000 | 7,626 |
| Premises and equipment expense | $87,000 | 7,488 |
| Additional noninterest expense | $214,000 | 7,706 |
| Pre-tax net operating income | $442,000 | 4,125 |
| Securities gains (losses) | $15,000 | 3,144 |
| Applicable income taxes | $11,000 | 3,858 |
| Income before extraordinary items | $446,000 | 4,026 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $446,000 | 4,025 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $446,000 | 4,025 |
| Net charge-offs | $241,000 | 4,771 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $431,300 | 4,003 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,153,000 | 7,482 |
| Total interest expense | $346,000 | 7,319 |
| Net interest income | $807,000 | 7,424 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $86,000 | 6,980 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $50,000 | 6,270 |
| Trading account gains and fees | $29,000 | 173 |
| Additional Noninterest Income | $7,000 | 7,377 |
| Total noninterest expense | $486,000 | 7,821 |
| Salaries and employee benefits | $293,000 | 7,717 |
| Premises and equipment expense | $59,000 | 7,626 |
| Additional noninterest expense | $134,000 | 7,870 |
| Pre-tax net operating income | $407,000 | 4,168 |
| Securities gains (losses) | $3,000 | 3,260 |
| Applicable income taxes | $20,000 | 3,792 |
| Income before extraordinary items | $390,000 | 4,090 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $390,000 | 4,085 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $390,000 | 4,088 |
| Net charge-offs | $8,000 | 6,593 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $387,150 | 4,006 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $776,000 | 7,542 |
| Total interest expense | $240,000 | 7,385 |
| Net interest income | $536,000 | 7,469 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $54,000 | 7,098 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $33,000 | 6,301 |
| Trading account gains and fees | $17,000 | 172 |
| Additional Noninterest Income | $4,000 | 7,529 |
| Total noninterest expense | $316,000 | 7,911 |
| Salaries and employee benefits | $192,000 | 7,817 |
| Premises and equipment expense | $39,000 | 7,712 |
| Additional noninterest expense | $85,000 | 7,973 |
| Pre-tax net operating income | $274,000 | 4,261 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $13,000 | 3,905 |
| Income before extraordinary items | $261,000 | 4,184 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $261,000 | 4,184 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $261,000 | 4,184 |
| Net charge-offs | $10,000 | 5,988 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $261,000 | 4,078 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $399,000 | 7,562 |
| Total interest expense | $126,000 | 7,420 |
| Net interest income | $273,000 | 7,476 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $20,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $16,000 | 6,311 |
| Trading account gains and fees | $2,000 | 160 |
| Additional Noninterest Income | $2,000 | 7,617 |
| Total noninterest expense | $161,000 | 7,942 |
| Salaries and employee benefits | $95,000 | 7,871 |
| Premises and equipment expense | $20,000 | 7,727 |
| Additional noninterest expense | $46,000 | 7,917 |
| Pre-tax net operating income | $132,000 | 4,680 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $7,000 | 4,167 |
| Income before extraordinary items | $125,000 | 4,633 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $125,000 | 4,637 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $125,000 | 4,636 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $125,000 | 4,463 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 7,485 |
| Total interest expense | $703,000 | 7,321 |
| Net interest income | $1,091,000 | 7,487 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $107,000 | 7,226 |
| Gross Fiduciary activities income | $2,000 | 1,351 |
| Service charges on deposit accounts | $83,000 | 6,156 |
| Trading account gains and fees | $11,000 | 135 |
| Additional Noninterest Income | $11,000 | 7,663 |
| Total noninterest expense | $687,000 | 7,937 |
| Salaries and employee benefits | $432,000 | 7,816 |
| Premises and equipment expense | $74,000 | 7,849 |
| Additional noninterest expense | $181,000 | 7,961 |
| Pre-tax net operating income | $511,000 | 4,835 |
| Securities gains (losses) | $21,000 | 2,144 |
| Applicable income taxes | $27,000 | 4,154 |
| Income before extraordinary items | $505,000 | 4,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $505,000 | 4,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,969 |
| Cash dividends | $500,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $485,050 | 4,661 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,364,000 | 7,538 |
| Total interest expense | $557,000 | 7,368 |
| Net interest income | $807,000 | 7,567 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $87,000 | 7,247 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $59,000 | 6,247 |
| Trading account gains and fees | $19,000 | 124 |
| Additional Noninterest Income | $9,000 | 7,809 |
| Total noninterest expense | $502,000 | 7,992 |
| Salaries and employee benefits | $332,000 | 7,825 |
| Premises and equipment expense | $42,000 | 8,069 |
| Additional noninterest expense | $128,000 | 8,042 |
| Pre-tax net operating income | $392,000 | 5,298 |
| Securities gains (losses) | $22,000 | 1,949 |
| Applicable income taxes | $21,000 | 4,585 |
| Income before extraordinary items | $393,000 | 4,825 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $393,000 | 4,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,831 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $372,100 | 5,059 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $908,000 | 7,619 |
| Total interest expense | $384,000 | 7,431 |
| Net interest income | $524,000 | 7,642 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $58,000 | 7,324 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $39,000 | 6,277 |
| Trading account gains and fees | $12,000 | 124 |
| Additional Noninterest Income | $7,000 | 7,835 |
| Total noninterest expense | $333,000 | 8,061 |
| Salaries and employee benefits | $221,000 | 7,899 |
| Premises and equipment expense | $27,000 | 8,131 |
| Additional noninterest expense | $85,000 | 8,099 |
| Pre-tax net operating income | $249,000 | 5,497 |
| Securities gains (losses) | $22,000 | 1,974 |
| Applicable income taxes | $14,000 | 4,858 |
| Income before extraordinary items | $257,000 | 5,238 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $257,000 | 5,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,731 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $236,100 | 5,302 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $464,000 | 7,669 |
| Total interest expense | $200,000 | 7,492 |
| Net interest income | $264,000 | 7,684 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $23,000 | 7,585 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 7,707 |
| Total noninterest expense | $174,000 | 8,062 |
| Salaries and employee benefits | $119,000 | 7,860 |
| Premises and equipment expense | $14,000 | 8,144 |
| Additional noninterest expense | $41,000 | 8,161 |
| Pre-tax net operating income | $113,000 | 5,862 |
| Securities gains (losses) | $28,000 | 1,404 |
| Applicable income taxes | $7,000 | 4,983 |
| Income before extraordinary items | $134,000 | 5,401 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $134,000 | 5,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,652 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $107,400 | 5,654 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,927,000 | 7,614 |
| Total interest expense | $862,000 | 7,390 |
| Net interest income | $1,065,000 | 7,669 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $102,000 | 7,535 |
| Gross Fiduciary activities income | $1,000 | 1,439 |
| Service charges on deposit accounts | $92,000 | 6,127 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $9,000 | 8,086 |
| Total noninterest expense | $639,000 | 8,171 |
| Salaries and employee benefits | $419,000 | 8,011 |
| Premises and equipment expense | $58,000 | 8,175 |
| Additional noninterest expense | $162,000 | 8,197 |
| Pre-tax net operating income | $528,000 | 5,898 |
| Securities gains (losses) | $30,000 | 971 |
| Applicable income taxes | $28,000 | 5,263 |
| Income before extraordinary items | $530,000 | 5,581 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $530,000 | 5,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,845 |
| Cash dividends | $500,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $501,500 | 5,660 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,445,000 | 7,653 |
| Total interest expense | $650,000 | 7,416 |
| Net interest income | $795,000 | 7,715 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $77,000 | 7,578 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $73,000 | 6,084 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,000 | 8,224 |
| Total noninterest expense | $473,000 | 8,166 |
| Salaries and employee benefits | $312,000 | 7,992 |
| Premises and equipment expense | $41,000 | 8,202 |
| Additional noninterest expense | $120,000 | 8,194 |
| Pre-tax net operating income | $399,000 | 6,174 |
| Securities gains (losses) | $22,000 | 807 |
| Applicable income taxes | $21,000 | 5,447 |
| Income before extraordinary items | $400,000 | 5,834 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $400,000 | 5,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,646 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $379,100 | 5,911 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $949,000 | 7,720 |
| Total interest expense | $417,000 | 7,504 |
| Net interest income | $532,000 | 7,772 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $50,000 | 7,657 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $47,000 | 6,168 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $319,000 | 8,209 |
| Salaries and employee benefits | $212,000 | 8,031 |
| Premises and equipment expense | $26,000 | 8,277 |
| Additional noninterest expense | $81,000 | 8,232 |
| Pre-tax net operating income | $263,000 | 6,280 |
| Securities gains (losses) | $29,000 | 633 |
| Applicable income taxes | $15,000 | 5,484 |
| Income before extraordinary items | $277,000 | 5,830 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $277,000 | 5,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $249,450 | 6,009 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $463,000 | 7,779 |
| Total interest expense | $204,000 | 7,551 |
| Net interest income | $259,000 | 7,858 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $21,000 | 7,834 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $19,000 | 6,411 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,000 | 8,219 |
| Total noninterest expense | $161,000 | 8,230 |
| Salaries and employee benefits | $110,000 | 8,030 |
| Premises and equipment expense | $13,000 | 8,301 |
| Additional noninterest expense | $38,000 | 8,309 |
| Pre-tax net operating income | $119,000 | 6,437 |
| Securities gains (losses) | $20,000 | 564 |
| Applicable income taxes | $7,000 | 5,533 |
| Income before extraordinary items | $132,000 | 5,904 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $132,000 | 5,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $113,000 | 6,181 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,760,000 | 7,727 |
| Total interest expense | $678,000 | 7,559 |
| Net interest income | $1,082,000 | 7,720 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $78,000 | 7,972 |
| Gross Fiduciary activities income | $1,000 | 1,470 |
| Service charges on deposit accounts | $70,000 | 6,585 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $7,000 | 8,343 |
| Total noninterest expense | $615,000 | 8,295 |
| Salaries and employee benefits | $404,000 | 8,142 |
| Premises and equipment expense | $56,000 | 8,301 |
| Additional noninterest expense | $155,000 | 8,345 |
| Pre-tax net operating income | $545,000 | 6,333 |
| Securities gains (losses) | $59,000 | 653 |
| Applicable income taxes | $30,000 | 5,757 |
| Income before extraordinary items | $574,000 | 5,908 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $574,000 | 5,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,587 |
| Cash dividends | $750,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $517,950 | 6,082 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,295,000 | 7,811 |
| Total interest expense | $494,000 | 7,606 |
| Net interest income | $801,000 | 7,822 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $56,000 | 8,078 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $51,000 | 6,691 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,420 |
| Total noninterest expense | $452,000 | 8,331 |
| Salaries and employee benefits | $300,000 | 8,156 |
| Premises and equipment expense | $40,000 | 8,377 |
| Additional noninterest expense | $112,000 | 8,401 |
| Pre-tax net operating income | $405,000 | 6,593 |
| Securities gains (losses) | $-5,000 | 7,392 |
| Applicable income taxes | $20,000 | 5,961 |
| Income before extraordinary items | $380,000 | 6,343 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $380,000 | 6,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,298 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $384,750 | 6,321 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $847,000 | 7,852 |
| Total interest expense | $322,000 | 7,608 |
| Net interest income | $525,000 | 7,899 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $37,000 | 8,133 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $33,000 | 6,762 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,000 | 8,426 |
| Total noninterest expense | $303,000 | 8,360 |
| Salaries and employee benefits | $202,000 | 8,191 |
| Premises and equipment expense | $27,000 | 8,391 |
| Additional noninterest expense | $74,000 | 8,437 |
| Pre-tax net operating income | $259,000 | 6,718 |
| Securities gains (losses) | $-9,000 | 7,829 |
| Applicable income taxes | $13,000 | 6,018 |
| Income before extraordinary items | $237,000 | 6,461 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $237,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $245,550 | 6,417 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $412,000 | 7,893 |
| Total interest expense | $151,000 | 7,667 |
| Net interest income | $261,000 | 7,916 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $17,000 | 8,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $14,000 | 6,901 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $153,000 | 8,371 |
| Salaries and employee benefits | $105,000 | 8,159 |
| Premises and equipment expense | $14,000 | 8,354 |
| Additional noninterest expense | $34,000 | 8,506 |
| Pre-tax net operating income | $125,000 | 6,740 |
| Securities gains (losses) | $8,000 | 624 |
| Applicable income taxes | $7,000 | 5,939 |
| Income before extraordinary items | $126,000 | 6,317 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $126,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $118,400 | 6,433 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,537,000 | 7,866 |
| Total interest expense | $475,000 | 7,699 |
| Net interest income | $1,062,000 | 7,855 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $92,000 | 8,016 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $76,000 | 6,656 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $15,000 | 8,273 |
| Total noninterest expense | $620,000 | 8,385 |
| Salaries and employee benefits | $404,000 | 8,195 |
| Premises and equipment expense | $56,000 | 8,395 |
| Additional noninterest expense | $160,000 | 8,441 |
| Pre-tax net operating income | $534,000 | 6,638 |
| Securities gains (losses) | $17,000 | 1,304 |
| Applicable income taxes | $27,000 | 6,197 |
| Income before extraordinary items | $524,000 | 6,278 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $524,000 | 6,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,831 |
| Cash dividends | $350,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $507,850 | 6,312 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,116,000 | 7,930 |
| Total interest expense | $332,000 | 7,761 |
| Net interest income | $784,000 | 7,922 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $69,000 | 8,064 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 6,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $7,000 | 8,472 |
| Total noninterest expense | $470,000 | 8,353 |
| Salaries and employee benefits | $309,000 | 8,150 |
| Premises and equipment expense | $42,000 | 8,401 |
| Additional noninterest expense | $119,000 | 8,453 |
| Pre-tax net operating income | $383,000 | 6,864 |
| Securities gains (losses) | $8,000 | 1,553 |
| Applicable income taxes | $19,000 | 6,314 |
| Income before extraordinary items | $372,000 | 6,528 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $372,000 | 6,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $150,000 | 4,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $364,400 | 6,532 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $709,000 | 8,006 |
| Total interest expense | $205,000 | 7,803 |
| Net interest income | $504,000 | 7,979 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $47,000 | 8,031 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $44,000 | 6,475 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,000 | 8,558 |
| Total noninterest expense | $316,000 | 8,337 |
| Salaries and employee benefits | $208,000 | 8,140 |
| Premises and equipment expense | $29,000 | 8,382 |
| Additional noninterest expense | $79,000 | 8,451 |
| Pre-tax net operating income | $235,000 | 6,995 |
| Securities gains (losses) | $6,000 | 1,523 |
| Applicable income taxes | $12,000 | 6,334 |
| Income before extraordinary items | $229,000 | 6,677 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $229,000 | 6,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $223,300 | 6,688 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 8,118 |
| Total interest expense | $96,000 | 7,901 |
| Net interest income | $242,000 | 8,116 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,000 | 8,574 |
| Total noninterest expense | $163,000 | 8,385 |
| Salaries and employee benefits | $109,000 | 8,164 |
| Premises and equipment expense | $14,000 | 8,464 |
| Additional noninterest expense | $40,000 | 8,488 |
| Pre-tax net operating income | $99,000 | 7,230 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $5,000 | 6,381 |
| Income before extraordinary items | $96,000 | 6,965 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $96,000 | 6,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $94,100 | 6,974 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 8,114 |
| Total interest expense | $339,000 | 7,921 |
| Net interest income | $952,000 | 8,093 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $98,000 | 8,099 |
| Gross Fiduciary activities income | $1,000 | 1,536 |
| Service charges on deposit accounts | $87,000 | 6,666 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $10,000 | 8,525 |
| Total noninterest expense | $602,000 | 8,517 |
| Salaries and employee benefits | $392,000 | 8,330 |
| Premises and equipment expense | $57,000 | 8,519 |
| Additional noninterest expense | $153,000 | 8,576 |
| Pre-tax net operating income | $448,000 | 6,872 |
| Securities gains (losses) | $28,000 | 2,163 |
| Applicable income taxes | $22,000 | 6,508 |
| Income before extraordinary items | $454,000 | 6,531 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $454,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,392 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $427,400 | 6,582 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $952,000 | 8,174 |
| Total interest expense | $249,000 | 7,980 |
| Net interest income | $703,000 | 8,149 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $70,000 | 8,209 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $66,000 | 6,698 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,732 |
| Total noninterest expense | $445,000 | 8,525 |
| Salaries and employee benefits | $295,000 | 8,305 |
| Premises and equipment expense | $42,000 | 8,552 |
| Additional noninterest expense | $108,000 | 8,633 |
| Pre-tax net operating income | $328,000 | 7,056 |
| Securities gains (losses) | $31,000 | 2,017 |
| Applicable income taxes | $16,000 | 6,628 |
| Income before extraordinary items | $343,000 | 6,652 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $343,000 | 6,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $250,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $313,240 | 6,751 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $615,000 | 8,273 |
| Total interest expense | $163,000 | 8,077 |
| Net interest income | $452,000 | 8,259 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $47,000 | 8,244 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $44,000 | 6,706 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,000 | 8,756 |
| Total noninterest expense | $294,000 | 8,589 |
| Salaries and employee benefits | $197,000 | 8,359 |
| Premises and equipment expense | $31,000 | 8,504 |
| Additional noninterest expense | $66,000 | 8,757 |
| Pre-tax net operating income | $205,000 | 7,148 |
| Securities gains (losses) | $4,000 | 2,826 |
| Applicable income taxes | $9,000 | 6,693 |
| Income before extraordinary items | $200,000 | 6,904 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $200,000 | 6,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $196,160 | 6,862 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $299,000 | 8,357 |
| Total interest expense | $81,000 | 8,145 |
| Net interest income | $218,000 | 8,346 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $22,000 | 8,321 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $2,000 | 8,709 |
| Total noninterest expense | $148,000 | 8,623 |
| Salaries and employee benefits | $101,000 | 8,369 |
| Premises and equipment expense | $14,000 | 8,600 |
| Additional noninterest expense | $33,000 | 8,795 |
| Pre-tax net operating income | $92,000 | 7,278 |
| Securities gains (losses) | $2,000 | 2,612 |
| Applicable income taxes | $5,000 | 6,601 |
| Income before extraordinary items | $89,000 | 7,081 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $89,000 | 7,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $87,100 | 7,023 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,347,000 | 8,231 |
| Total interest expense | $430,000 | 8,012 |
| Net interest income | $917,000 | 8,232 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $89,000 | 8,422 |
| Gross Fiduciary activities income | $1,000 | 1,575 |
| Service charges on deposit accounts | $79,000 | 6,910 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $9,000 | 8,800 |
| Total noninterest expense | $579,000 | 8,701 |
| Salaries and employee benefits | $376,000 | 8,506 |
| Premises and equipment expense | $58,000 | 8,647 |
| Additional noninterest expense | $145,000 | 8,782 |
| Pre-tax net operating income | $427,000 | 6,930 |
| Securities gains (losses) | $32,000 | 2,881 |
| Applicable income taxes | $23,000 | 6,728 |
| Income before extraordinary items | $436,000 | 6,637 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $436,000 | 6,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $320,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $405,600 | 6,633 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,024,000 | 8,299 |
| Total interest expense | $342,000 | 8,059 |
| Net interest income | $682,000 | 8,323 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $67,000 | 8,473 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $62,000 | 6,909 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,000 | 8,924 |
| Total noninterest expense | $431,000 | 8,725 |
| Salaries and employee benefits | $282,000 | 8,501 |
| Premises and equipment expense | $42,000 | 8,710 |
| Additional noninterest expense | $107,000 | 8,841 |
| Pre-tax net operating income | $318,000 | 7,081 |
| Securities gains (losses) | $24,000 | 2,852 |
| Applicable income taxes | $17,000 | 6,871 |
| Income before extraordinary items | $325,000 | 6,800 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $325,000 | 6,801 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $302,200 | 6,772 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $688,000 | 8,350 |
| Total interest expense | $241,000 | 8,067 |
| Net interest income | $447,000 | 8,381 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $43,000 | 8,517 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $40,000 | 6,948 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,000 | 8,960 |
| Total noninterest expense | $290,000 | 8,716 |
| Salaries and employee benefits | $188,000 | 8,531 |
| Premises and equipment expense | $28,000 | 8,729 |
| Additional noninterest expense | $74,000 | 8,816 |
| Pre-tax net operating income | $200,000 | 7,216 |
| Securities gains (losses) | $21,000 | 2,589 |
| Applicable income taxes | $11,000 | 6,920 |
| Income before extraordinary items | $210,000 | 6,881 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $210,000 | 6,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $190,050 | 6,867 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $351,000 | 8,391 |
| Total interest expense | $126,000 | 8,097 |
| Net interest income | $225,000 | 8,409 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $20,000 | 8,615 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $18,000 | 7,056 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $145,000 | 8,773 |
| Salaries and employee benefits | $98,000 | 8,525 |
| Premises and equipment expense | $13,000 | 8,800 |
| Additional noninterest expense | $34,000 | 8,932 |
| Pre-tax net operating income | $100,000 | 7,186 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $5,000 | 6,893 |
| Income before extraordinary items | $117,000 | 6,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $117,000 | 6,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $95,880 | 6,834 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 8,232 |
| Total interest expense | $684,000 | 7,860 |
| Net interest income | $950,000 | 8,341 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $62,000 | 8,848 |
| Gross Fiduciary activities income | $1,000 | 1,652 |
| Service charges on deposit accounts | $53,000 | 7,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 8,967 |
| Total noninterest expense | $546,000 | 8,897 |
| Salaries and employee benefits | $343,000 | 8,729 |
| Premises and equipment expense | $53,000 | 8,846 |
| Additional noninterest expense | $150,000 | 8,884 |
| Pre-tax net operating income | $466,000 | 6,900 |
| Securities gains (losses) | $-260,000 | 9,215 |
| Applicable income taxes | $10,000 | 7,292 |
| Income before extraordinary items | $196,000 | 7,858 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $196,000 | 7,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,227 |
| Cash dividends | $280,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $443,000 | 6,515 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,937,000 | 8,282 |
| Total interest expense | $943,000 | 8,135 |
| Net interest income | $994,000 | 8,300 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $59,000 | 9,059 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $50,000 | 7,603 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $8,000 | 9,210 |
| Total noninterest expense | $550,000 | 9,063 |
| Salaries and employee benefits | $353,000 | 8,823 |
| Premises and equipment expense | $51,000 | 9,106 |
| Additional noninterest expense | $146,000 | 9,084 |
| Pre-tax net operating income | $503,000 | 6,533 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $229,000 | 4,759 |
| Income before extraordinary items | $275,000 | 7,278 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $275,000 | 7,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $490,000 | 3,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $274,360 | 7,172 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 8,489 |
| Total interest expense | $881,000 | 8,471 |
| Net interest income | $1,037,000 | 8,409 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $53,000 | 9,290 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $44,000 | 7,773 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 9,477 |
| Total noninterest expense | $545,000 | 9,275 |
| Salaries and employee benefits | $354,000 | 8,973 |
| Premises and equipment expense | $50,000 | 9,363 |
| Additional noninterest expense | $141,000 | 9,314 |
| Pre-tax net operating income | $545,000 | 6,797 |
| Securities gains (losses) | $-15,000 | 8,587 |
| Applicable income taxes | $182,000 | 5,577 |
| Income before extraordinary items | $348,000 | 7,165 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $348,000 | 7,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,998 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $357,900 | 7,112 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 8,698 |
| Total interest expense | $824,000 | 8,629 |
| Net interest income | $994,000 | 8,649 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $53,000 | 9,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $42,000 | 8,025 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,676 |
| Total noninterest expense | $542,000 | 9,496 |
| Salaries and employee benefits | $363,000 | 9,109 |
| Premises and equipment expense | $46,000 | 9,708 |
| Additional noninterest expense | $133,000 | 9,674 |
| Pre-tax net operating income | $505,000 | 7,122 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $150,000 | 6,280 |
| Income before extraordinary items | $360,000 | 7,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $360,000 | 7,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 5,548 |
| Cash dividends | $200,000 | 5,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $356,450 | 7,219 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,844,000 | 8,872 |
| Total interest expense | $895,000 | 8,703 |
| Net interest income | $949,000 | 8,916 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $53,000 | 9,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 8,166 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,056 |
| Total noninterest expense | $542,000 | 9,637 |
| Salaries and employee benefits | $346,000 | 9,318 |
| Premises and equipment expense | $51,000 | 9,797 |
| Additional noninterest expense | $145,000 | 9,706 |
| Pre-tax net operating income | $460,000 | 7,583 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $125,000 | 7,175 |
| Income before extraordinary items | $338,000 | 7,602 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $338,000 | 7,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,814 |
| Cash dividends | $100,000 | 6,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $335,810 | 7,532 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,715,000 | 9,402 |
| Total interest expense | $798,000 | 9,267 |
| Net interest income | $917,000 | 9,380 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $47,000 | 10,338 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $36,000 | 8,783 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $511,000 | 10,087 |
| Salaries and employee benefits | $339,000 | 9,667 |
| Premises and equipment expense | $45,000 | 10,318 |
| Additional noninterest expense | $127,000 | 10,259 |
| Pre-tax net operating income | $453,000 | 8,172 |
| Securities gains (losses) | $6,000 | 2,665 |
| Applicable income taxes | $121,000 | 8,071 |
| Income before extraordinary items | $338,000 | 8,089 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $338,000 | 8,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,836 |
| Cash dividends | $100,000 | 6,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $333,560 | 8,084 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,676,000 | 9,842 |
| Total interest expense | $801,000 | 9,641 |
| Net interest income | $875,000 | 9,895 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $50,000 | 10,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 9,136 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 10,919 |
| Total noninterest expense | $519,000 | 10,508 |
| Salaries and employee benefits | $334,000 | 10,083 |
| Premises and equipment expense | $42,000 | 10,856 |
| Additional noninterest expense | $143,000 | 10,635 |
| Pre-tax net operating income | $406,000 | 8,465 |
| Securities gains (losses) | $18,000 | 2,073 |
| Applicable income taxes | $104,000 | 8,690 |
| Income before extraordinary items | $320,000 | 8,250 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $320,000 | 8,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $306,500 | 8,313 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,562,000 | 10,411 |
| Total interest expense | $683,000 | 10,373 |
| Net interest income | $879,000 | 10,312 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $56,000 | 11,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 9,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $515,000 | 10,953 |
| Salaries and employee benefits | $320,000 | 10,589 |
| Premises and equipment expense | $46,000 | 11,193 |
| Additional noninterest expense | $149,000 | 11,062 |
| Pre-tax net operating income | $420,000 | 8,942 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $129,000 | 8,642 |
| Income before extraordinary items | $302,000 | 8,921 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $302,000 | 8,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $294,300 | 8,962 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,381,000 | 10,977 |
| Total interest expense | $545,000 | 10,877 |
| Net interest income | $836,000 | 10,932 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $54,000 | 11,857 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 10,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $523,000 | 11,488 |
| Salaries and employee benefits | $302,000 | 11,186 |
| Premises and equipment expense | $45,000 | 11,810 |
| Additional noninterest expense | $176,000 | 11,454 |
| Pre-tax net operating income | $367,000 | 9,597 |
| Securities gains (losses) | $-10,000 | 9,836 |
| Applicable income taxes | $86,000 | 9,666 |
| Income before extraordinary items | $271,000 | 9,478 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $271,000 | 9,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 11,321 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $278,600 | 9,448 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 11,418 |
| Total interest expense | $559,000 | 11,373 |
| Net interest income | $855,000 | 11,327 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $42,000 | 12,725 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 10,719 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 12,687 |
| Total noninterest expense | $514,000 | 12,092 |
| Salaries and employee benefits | $283,000 | 11,842 |
| Premises and equipment expense | $46,000 | 12,340 |
| Additional noninterest expense | $185,000 | 11,942 |
| Pre-tax net operating income | $383,000 | 9,547 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $90,000 | 9,984 |
| Income before extraordinary items | $294,000 | 9,555 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $294,000 | 9,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $293,230 | 9,301 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 11,701 |
| Total interest expense | $786,000 | 11,394 |
| Net interest income | $826,000 | 11,807 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $80,000 | 12,281 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 11,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 10,352 |
| Total noninterest expense | $631,000 | 11,875 |
| Salaries and employee benefits | $340,000 | 11,553 |
| Premises and equipment expense | $45,000 | 12,878 |
| Additional noninterest expense | $246,000 | 11,589 |
| Pre-tax net operating income | $275,000 | 10,373 |
| Securities gains (losses) | $-1,000 | 12,730 |
| Applicable income taxes | $51,000 | 11,224 |
| Income before extraordinary items | $223,000 | 10,279 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $223,000 | 10,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 9,962 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $223,810 | 9,923 |
* 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.