Home > Summit Bank > Income and Expense
Summit Bank, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,473,000 | 2,237 |
| Total interest expense | $461,000 | 3,267 |
| Net interest income | $5,012,000 | 2,089 |
| Provision for loan and lease losses | $64,000 | 3,351 |
| Total noninterest income | $414,000 | 3,651 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $154,000 | 3,305 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $260,000 | 3,407 |
| Total noninterest expense | $3,420,000 | 2,691 |
| Salaries and employee benefits | $2,407,000 | 2,131 |
| Premises and equipment expense | $252,000 | 3,767 |
| Additional noninterest expense | $761,000 | 3,624 |
| Pre-tax net operating income | $1,942,000 | 1,767 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $1,942,000 | 1,556 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,942,000 | 1,559 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,942,000 | 1,561 |
| Net charge-offs | $30,000 | 3,750 |
| Cash dividends | $530,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 532 |
| Net operating income | $1,942,000 | 1,497 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,696,000 | 2,293 |
| Total interest expense | $242,000 | 3,246 |
| Net interest income | $2,454,000 | 2,141 |
| Provision for loan and lease losses | $64,000 | 2,555 |
| Total noninterest income | $211,000 | 3,568 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $76,000 | 3,310 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $135,000 | 3,334 |
| Total noninterest expense | $1,701,000 | 2,729 |
| Salaries and employee benefits | $1,209,000 | 2,133 |
| Premises and equipment expense | $123,000 | 3,841 |
| Additional noninterest expense | $369,000 | 3,716 |
| Pre-tax net operating income | $900,000 | 1,873 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $900,000 | 1,622 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $900,000 | 1,623 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $900,000 | 1,624 |
| Net charge-offs | $27,000 | 2,862 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 492 |
| Net operating income | $900,000 | 1,570 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,772,000 | 2,391 |
| Total interest expense | $1,136,000 | 3,312 |
| Net interest income | $9,636,000 | 2,234 |
| Provision for loan and lease losses | $440,000 | 2,897 |
| Total noninterest income | $882,000 | 3,473 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $273,000 | 3,665 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $609,000 | 3,079 |
| Total noninterest expense | $6,624,000 | 2,800 |
| Salaries and employee benefits | $4,523,000 | 2,208 |
| Premises and equipment expense | $524,000 | 3,708 |
| Additional noninterest expense | $1,577,000 | 3,668 |
| Pre-tax net operating income | $3,454,000 | 1,842 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $3,454,000 | 1,650 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,454,000 | 1,650 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $3,454,000 | 1,651 |
| Net charge-offs | $215,000 | 3,687 |
| Cash dividends | $1,221,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 585 |
| Net operating income | $3,454,000 | 1,561 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,938,000 | 2,485 |
| Total interest expense | $866,000 | 3,387 |
| Net interest income | $7,072,000 | 2,313 |
| Provision for loan and lease losses | $350,000 | 2,768 |
| Total noninterest income | $621,000 | 3,626 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $200,000 | 3,757 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $421,000 | 3,198 |
| Total noninterest expense | $4,957,000 | 2,814 |
| Salaries and employee benefits | $3,396,000 | 2,198 |
| Premises and equipment expense | $393,000 | 3,752 |
| Additional noninterest expense | $1,168,000 | 3,722 |
| Pre-tax net operating income | $2,386,000 | 2,056 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $2,386,000 | 1,811 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,386,000 | 1,810 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,386,000 | 1,812 |
| Net charge-offs | $215,000 | 3,218 |
| Cash dividends | $675,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 507 |
| Net operating income | $2,386,000 | 1,714 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,178,000 | 2,550 |
| Total interest expense | $587,000 | 3,451 |
| Net interest income | $4,591,000 | 2,377 |
| Provision for loan and lease losses | $200,000 | 2,964 |
| Total noninterest income | $401,000 | 3,654 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $128,000 | 3,835 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $273,000 | 3,201 |
| Total noninterest expense | $3,382,000 | 2,761 |
| Salaries and employee benefits | $2,240,000 | 2,220 |
| Premises and equipment expense | $264,000 | 3,740 |
| Additional noninterest expense | $878,000 | 3,439 |
| Pre-tax net operating income | $1,410,000 | 2,247 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,410,000 | 1,988 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,410,000 | 1,986 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,410,000 | 1,988 |
| Net charge-offs | $192,000 | 2,804 |
| Cash dividends | $393,000 | 1,871 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 461 |
| Net operating income | $1,410,000 | 1,887 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,523,000 | 2,628 |
| Total interest expense | $301,000 | 3,505 |
| Net interest income | $2,222,000 | 2,465 |
| Provision for loan and lease losses | $105,000 | 2,781 |
| Total noninterest income | $199,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $61,000 | 3,920 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $138,000 | 3,187 |
| Total noninterest expense | $1,698,000 | 2,747 |
| Salaries and employee benefits | $1,120,000 | 2,228 |
| Premises and equipment expense | $135,000 | 3,709 |
| Additional noninterest expense | $443,000 | 3,399 |
| Pre-tax net operating income | $618,000 | 2,477 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $618,000 | 2,203 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $618,000 | 2,205 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $618,000 | 2,206 |
| Net charge-offs | $-3,000 | 6,199 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 361 |
| Net operating income | $618,000 | 2,101 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,334,000 | 2,941 |
| Total interest expense | $1,227,000 | 3,904 |
| Net interest income | $8,107,000 | 2,696 |
| Provision for loan and lease losses | $327,000 | 4,002 |
| Total noninterest income | $1,082,000 | 2,982 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $248,000 | 3,977 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $834,000 | 2,379 |
| Total noninterest expense | $6,299,000 | 2,935 |
| Salaries and employee benefits | $4,080,000 | 2,361 |
| Premises and equipment expense | $479,000 | 4,151 |
| Additional noninterest expense | $1,740,000 | 3,503 |
| Pre-tax net operating income | $2,563,000 | 2,087 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $2,563,000 | 1,842 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,563,000 | 1,843 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,563,000 | 1,843 |
| Net charge-offs | $348,000 | 3,623 |
| Cash dividends | $675,000 | 2,086 |
| Sale, conversion, retirement of capital stock, net | $351,000 | 454 |
| Net operating income | $2,563,000 | 1,763 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,899,000 | 3,013 |
| Total interest expense | $898,000 | 4,101 |
| Net interest income | $6,001,000 | 2,741 |
| Provision for loan and lease losses | $215,000 | 4,060 |
| Total noninterest income | $716,000 | 3,212 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $187,000 | 3,982 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $529,000 | 2,622 |
| Total noninterest expense | $4,589,000 | 3,004 |
| Salaries and employee benefits | $2,936,000 | 2,448 |
| Premises and equipment expense | $340,000 | 4,333 |
| Additional noninterest expense | $1,313,000 | 3,472 |
| Pre-tax net operating income | $1,913,000 | 2,152 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $1,913,000 | 1,906 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,913,000 | 1,906 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,913,000 | 1,906 |
| Net charge-offs | $215,000 | 3,631 |
| Cash dividends | $285,000 | 2,400 |
| Sale, conversion, retirement of capital stock, net | $289,000 | 410 |
| Net operating income | $1,913,000 | 1,813 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,550,000 | 3,053 |
| Total interest expense | $602,000 | 4,193 |
| Net interest income | $3,948,000 | 2,770 |
| Provision for loan and lease losses | $60,000 | 4,872 |
| Total noninterest income | $341,000 | 3,872 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $126,000 | 3,948 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $215,000 | 3,374 |
| Total noninterest expense | $3,019,000 | 3,086 |
| Salaries and employee benefits | $1,898,000 | 2,537 |
| Premises and equipment expense | $225,000 | 4,389 |
| Additional noninterest expense | $896,000 | 3,465 |
| Pre-tax net operating income | $1,210,000 | 2,218 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $1,210,000 | 1,945 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,210,000 | 1,945 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,210,000 | 1,945 |
| Net charge-offs | $144,000 | 3,458 |
| Cash dividends | $196,000 | 2,323 |
| Sale, conversion, retirement of capital stock, net | $271,000 | 279 |
| Net operating income | $1,210,000 | 1,872 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,204,000 | 3,146 |
| Total interest expense | $315,000 | 4,182 |
| Net interest income | $1,889,000 | 2,859 |
| Provision for loan and lease losses | $30,000 | 4,582 |
| Total noninterest income | $171,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $64,000 | 3,860 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $107,000 | 3,447 |
| Total noninterest expense | $1,473,000 | 3,151 |
| Salaries and employee benefits | $932,000 | 2,597 |
| Premises and equipment expense | $104,000 | 4,611 |
| Additional noninterest expense | $437,000 | 3,525 |
| Pre-tax net operating income | $557,000 | 2,368 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $557,000 | 2,048 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $557,000 | 2,047 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $557,000 | 2,048 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $258,000 | 181 |
| Net operating income | $557,000 | 2,011 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,085,000 | 3,193 |
| Total interest expense | $1,772,000 | 3,864 |
| Net interest income | $7,313,000 | 2,966 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $270,000 | 5,561 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $283,000 | 3,747 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-13,000 | 7,043 |
| Total noninterest expense | $5,460,000 | 3,359 |
| Salaries and employee benefits | $3,492,000 | 2,739 |
| Premises and equipment expense | $411,000 | 4,689 |
| Additional noninterest expense | $1,557,000 | 3,906 |
| Pre-tax net operating income | $2,123,000 | 2,137 |
| Securities gains (losses) | $3,000 | 3,556 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $2,126,000 | 1,916 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,126,000 | 1,917 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,126,000 | 1,918 |
| Net charge-offs | $395,000 | 3,946 |
| Cash dividends | $516,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 854 |
| Net operating income | $2,123,000 | 1,850 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,859,000 | 3,243 |
| Total interest expense | $1,382,000 | 3,915 |
| Net interest income | $5,477,000 | 3,007 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $114,000 | 6,387 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $215,000 | 3,790 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-101,000 | 7,389 |
| Total noninterest expense | $4,085,000 | 3,350 |
| Salaries and employee benefits | $2,527,000 | 2,828 |
| Premises and equipment expense | $316,000 | 4,710 |
| Additional noninterest expense | $1,242,000 | 3,719 |
| Pre-tax net operating income | $1,506,000 | 2,365 |
| Securities gains (losses) | $3,000 | 3,393 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $1,509,000 | 2,131 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,509,000 | 2,133 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,509,000 | 2,134 |
| Net charge-offs | $-114,000 | 7,698 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 768 |
| Net operating income | $1,506,000 | 2,039 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,618,000 | 3,249 |
| Total interest expense | $944,000 | 3,948 |
| Net interest income | $3,674,000 | 2,991 |
| Provision for loan and lease losses | $150,000 | 4,587 |
| Total noninterest income | $286,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $146,000 | 3,736 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $140,000 | 4,091 |
| Total noninterest expense | $2,834,000 | 3,252 |
| Salaries and employee benefits | $1,673,000 | 2,849 |
| Premises and equipment expense | $212,000 | 4,704 |
| Additional noninterest expense | $949,000 | 3,341 |
| Pre-tax net operating income | $976,000 | 2,422 |
| Securities gains (losses) | $-1,000 | 7,170 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $975,000 | 2,164 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $975,000 | 2,162 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $975,000 | 2,166 |
| Net charge-offs | $1,023,000 | 1,700 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 626 |
| Net operating income | $976,000 | 2,084 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 3,248 |
| Total interest expense | $479,000 | 4,050 |
| Net interest income | $1,878,000 | 2,952 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $168,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $73,000 | 3,752 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $95,000 | 3,602 |
| Total noninterest expense | $1,470,000 | 3,201 |
| Salaries and employee benefits | $834,000 | 2,910 |
| Premises and equipment expense | $108,000 | 4,747 |
| Additional noninterest expense | $528,000 | 3,025 |
| Pre-tax net operating income | $576,000 | 2,159 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $576,000 | 1,893 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $576,000 | 1,891 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $576,000 | 1,893 |
| Net charge-offs | $392,000 | 1,795 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 437 |
| Net operating income | $576,000 | 1,823 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,752,000 | 3,292 |
| Total interest expense | $2,964,000 | 3,435 |
| Net interest income | $6,788,000 | 3,123 |
| Provision for loan and lease losses | $4,360,000 | 1,573 |
| Total noninterest income | $1,130,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $589,000 | 2,570 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $541,000 | 3,072 |
| Total noninterest expense | $5,794,000 | 3,267 |
| Salaries and employee benefits | $3,546,000 | 2,749 |
| Premises and equipment expense | $458,000 | 4,618 |
| Additional noninterest expense | $1,790,000 | 3,611 |
| Pre-tax net operating income | $-2,236,000 | 6,698 |
| Securities gains (losses) | $7,000 | 3,362 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-2,229,000 | 6,817 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,229,000 | 6,814 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-2,229,000 | 6,815 |
| Net charge-offs | $3,304,000 | 1,516 |
| Cash dividends | $152,000 | 3,864 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 1,084 |
| Net operating income | $-2,236,000 | 6,813 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,378,000 | 3,325 |
| Total interest expense | $2,399,000 | 3,385 |
| Net interest income | $4,979,000 | 3,205 |
| Provision for loan and lease losses | $4,360,000 | 1,149 |
| Total noninterest income | $958,000 | 2,901 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $518,000 | 2,292 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $440,000 | 3,030 |
| Total noninterest expense | $4,454,000 | 3,217 |
| Salaries and employee benefits | $2,727,000 | 2,710 |
| Premises and equipment expense | $343,000 | 4,674 |
| Additional noninterest expense | $1,384,000 | 3,489 |
| Pre-tax net operating income | $-2,877,000 | 7,257 |
| Securities gains (losses) | $7,000 | 3,075 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-2,870,000 | 7,359 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-2,870,000 | 7,359 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-2,870,000 | 7,359 |
| Net charge-offs | $1,837,000 | 1,581 |
| Cash dividends | $152,000 | 3,302 |
| Sale, conversion, retirement of capital stock, net | $30,000 | 1,018 |
| Net operating income | $-2,877,000 | 7,345 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,939,000 | 3,346 |
| Total interest expense | $1,741,000 | 3,310 |
| Net interest income | $3,198,000 | 3,282 |
| Provision for loan and lease losses | $955,000 | 2,124 |
| Total noninterest income | $750,000 | 2,628 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $437,000 | 1,880 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $313,000 | 2,929 |
| Total noninterest expense | $2,980,000 | 3,232 |
| Salaries and employee benefits | $1,858,000 | 2,684 |
| Premises and equipment expense | $227,000 | 4,718 |
| Additional noninterest expense | $895,000 | 3,568 |
| Pre-tax net operating income | $13,000 | 5,724 |
| Securities gains (losses) | $7,000 | 2,683 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $20,000 | 5,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $20,000 | 5,796 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $20,000 | 5,796 |
| Net charge-offs | $601,000 | 2,131 |
| Cash dividends | $152,000 | 2,946 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 1,032 |
| Net operating income | $13,000 | 5,755 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,455,000 | 3,391 |
| Total interest expense | $937,000 | 3,230 |
| Net interest income | $1,518,000 | 3,412 |
| Provision for loan and lease losses | $225,000 | 2,683 |
| Total noninterest income | $317,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $194,000 | 2,017 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $123,000 | 3,311 |
| Total noninterest expense | $1,476,000 | 3,186 |
| Salaries and employee benefits | $930,000 | 2,716 |
| Premises and equipment expense | $117,000 | 4,700 |
| Additional noninterest expense | $429,000 | 3,388 |
| Pre-tax net operating income | $134,000 | 4,663 |
| Securities gains (losses) | $7,000 | 2,001 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $141,000 | 4,444 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $141,000 | 4,447 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $141,000 | 4,447 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 915 |
| Net operating income | $134,000 | 4,369 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,405,000 | 3,174 |
| Total interest expense | $4,766,000 | 3,086 |
| Net interest income | $6,639,000 | 3,203 |
| Provision for loan and lease losses | $926,000 | 2,828 |
| Total noninterest income | $569,000 | 4,582 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $146,000 | 5,365 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $423,000 | 3,489 |
| Total noninterest expense | $5,850,000 | 3,155 |
| Salaries and employee benefits | $3,513,000 | 2,814 |
| Premises and equipment expense | $441,000 | 4,810 |
| Additional noninterest expense | $1,896,000 | 2,997 |
| Pre-tax net operating income | $432,000 | 5,063 |
| Securities gains (losses) | $28,000 | 1,976 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $460,000 | 4,580 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $460,000 | 4,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 3,333 |
| Cash dividends | $587,000 | 3,157 |
| Sale, conversion, retirement of capital stock, net | $1,590,000 | 356 |
| Net operating income | $432,000 | 4,822 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,643,000 | 3,206 |
| Total interest expense | $3,642,000 | 3,139 |
| Net interest income | $5,001,000 | 3,222 |
| Provision for loan and lease losses | $605,000 | 2,464 |
| Total noninterest income | $424,000 | 4,695 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $110,000 | 5,401 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $314,000 | 3,614 |
| Total noninterest expense | $4,288,000 | 3,193 |
| Salaries and employee benefits | $2,732,000 | 2,747 |
| Premises and equipment expense | $328,000 | 4,857 |
| Additional noninterest expense | $1,228,000 | 3,326 |
| Pre-tax net operating income | $532,000 | 4,839 |
| Securities gains (losses) | $20,000 | 2,014 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $552,000 | 4,253 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $552,000 | 4,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,632 |
| Cash dividends | $323,000 | 3,295 |
| Sale, conversion, retirement of capital stock, net | $-119,000 | 8,332 |
| Net operating income | $532,000 | 4,475 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,829,000 | 3,217 |
| Total interest expense | $2,519,000 | 3,165 |
| Net interest income | $3,310,000 | 3,227 |
| Provision for loan and lease losses | $330,000 | 2,398 |
| Total noninterest income | $291,000 | 4,699 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $76,000 | 5,344 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $215,000 | 3,625 |
| Total noninterest expense | $2,784,000 | 3,284 |
| Salaries and employee benefits | $1,807,000 | 2,802 |
| Premises and equipment expense | $213,000 | 4,963 |
| Additional noninterest expense | $764,000 | 3,474 |
| Pre-tax net operating income | $487,000 | 4,412 |
| Securities gains (losses) | $20,000 | 2,041 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $507,000 | 3,986 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $507,000 | 3,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,578 |
| Cash dividends | $294,000 | 3,025 |
| Sale, conversion, retirement of capital stock, net | $-102,000 | 8,409 |
| Net operating income | $487,000 | 4,021 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,013,000 | 3,219 |
| Total interest expense | $1,356,000 | 3,141 |
| Net interest income | $1,657,000 | 3,228 |
| Provision for loan and lease losses | $130,000 | 2,351 |
| Total noninterest income | $159,000 | 4,488 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $41,000 | 5,179 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $118,000 | 3,465 |
| Total noninterest expense | $1,324,000 | 3,430 |
| Salaries and employee benefits | $883,000 | 2,891 |
| Premises and equipment expense | $106,000 | 4,999 |
| Additional noninterest expense | $335,000 | 3,792 |
| Pre-tax net operating income | $362,000 | 3,756 |
| Securities gains (losses) | $14,000 | 1,798 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $376,000 | 3,321 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $376,000 | 3,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 1,501 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 771 |
| Net operating income | $362,000 | 3,314 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,377,000 | 2,799 |
| Total interest expense | $7,020,000 | 2,623 |
| Net interest income | $7,357,000 | 2,966 |
| Provision for loan and lease losses | $223,000 | 3,708 |
| Total noninterest income | $437,000 | 5,308 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $88,000 | 6,198 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $349,000 | 3,990 |
| Total noninterest expense | $4,455,000 | 3,787 |
| Salaries and employee benefits | $3,022,000 | 3,210 |
| Premises and equipment expense | $406,000 | 4,987 |
| Additional noninterest expense | $1,027,000 | 4,573 |
| Pre-tax net operating income | $3,116,000 | 2,389 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $264,000 | 3,544 |
| Income before extraordinary items | $2,852,000 | 2,117 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,852,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,313 |
| Cash dividends | $1,060,000 | 2,529 |
| Sale, conversion, retirement of capital stock, net | $315,000 | 637 |
| Net operating income | $2,852,000 | 2,103 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,956,000 | 2,751 |
| Total interest expense | $5,367,000 | 2,570 |
| Net interest income | $5,589,000 | 2,927 |
| Provision for loan and lease losses | $173,000 | 3,280 |
| Total noninterest income | $352,000 | 5,195 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $56,000 | 6,413 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $296,000 | 3,760 |
| Total noninterest expense | $3,343,000 | 3,775 |
| Salaries and employee benefits | $2,269,000 | 3,190 |
| Premises and equipment expense | $283,000 | 5,175 |
| Additional noninterest expense | $791,000 | 4,394 |
| Pre-tax net operating income | $2,425,000 | 2,488 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $165,000 | 3,944 |
| Income before extraordinary items | $2,260,000 | 2,155 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,260,000 | 2,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,536 |
| Cash dividends | $775,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $310,000 | 499 |
| Net operating income | $2,260,000 | 2,138 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,100,000 | 2,833 |
| Total interest expense | $3,474,000 | 2,638 |
| Net interest income | $3,626,000 | 3,034 |
| Provision for loan and lease losses | $94,000 | 3,390 |
| Total noninterest income | $275,000 | 4,857 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $37,000 | 6,450 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $238,000 | 3,449 |
| Total noninterest expense | $2,178,000 | 3,868 |
| Salaries and employee benefits | $1,493,000 | 3,259 |
| Premises and equipment expense | $187,000 | 5,229 |
| Additional noninterest expense | $498,000 | 4,595 |
| Pre-tax net operating income | $1,629,000 | 2,538 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $182,000 | 3,388 |
| Income before extraordinary items | $1,447,000 | 2,265 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,447,000 | 2,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $405,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $306,000 | 376 |
| Net operating income | $1,447,000 | 2,249 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,531,000 | 2,841 |
| Total interest expense | $1,723,000 | 2,652 |
| Net interest income | $1,808,000 | 3,032 |
| Provision for loan and lease losses | $74,000 | 2,544 |
| Total noninterest income | $183,000 | 4,217 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $18,000 | 6,477 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $165,000 | 2,856 |
| Total noninterest expense | $1,036,000 | 4,027 |
| Salaries and employee benefits | $741,000 | 3,294 |
| Premises and equipment expense | $91,000 | 5,339 |
| Additional noninterest expense | $204,000 | 5,201 |
| Pre-tax net operating income | $881,000 | 2,382 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $175,000 | 2,577 |
| Income before extraordinary items | $706,000 | 2,310 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $706,000 | 2,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $706,000 | 2,289 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,060,000 | 3,075 |
| Total interest expense | $5,375,000 | 2,844 |
| Net interest income | $6,685,000 | 3,240 |
| Provision for loan and lease losses | $138,000 | 4,185 |
| Total noninterest income | $313,000 | 6,091 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $56,000 | 6,795 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $257,000 | 4,603 |
| Total noninterest expense | $3,821,000 | 4,120 |
| Salaries and employee benefits | $2,422,000 | 3,696 |
| Premises and equipment expense | $360,000 | 5,247 |
| Additional noninterest expense | $1,039,000 | 4,386 |
| Pre-tax net operating income | $3,039,000 | 2,751 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,188,000 | 1,966 |
| Income before extraordinary items | $1,851,000 | 3,283 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,851,000 | 3,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,226 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $-223,000 | 8,616 |
| Net operating income | $1,851,000 | 3,266 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,787,000 | 3,129 |
| Total interest expense | $3,831,000 | 2,888 |
| Net interest income | $4,956,000 | 3,298 |
| Provision for loan and lease losses | $138,000 | 3,538 |
| Total noninterest income | $225,000 | 6,235 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $43,000 | 6,864 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $182,000 | 4,732 |
| Total noninterest expense | $2,727,000 | 4,255 |
| Salaries and employee benefits | $1,789,000 | 3,743 |
| Premises and equipment expense | $265,000 | 5,296 |
| Additional noninterest expense | $673,000 | 4,841 |
| Pre-tax net operating income | $2,316,000 | 2,819 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $890,000 | 2,041 |
| Income before extraordinary items | $1,426,000 | 3,313 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,426,000 | 3,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,123 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,426,000 | 3,301 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,600,000 | 3,216 |
| Total interest expense | $2,346,000 | 2,983 |
| Net interest income | $3,254,000 | 3,340 |
| Provision for loan and lease losses | $190,000 | 2,197 |
| Total noninterest income | $146,000 | 6,279 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $24,000 | 7,037 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $122,000 | 4,712 |
| Total noninterest expense | $1,789,000 | 4,322 |
| Salaries and employee benefits | $1,174,000 | 3,799 |
| Premises and equipment expense | $171,000 | 5,399 |
| Additional noninterest expense | $444,000 | 4,866 |
| Pre-tax net operating income | $1,421,000 | 2,988 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $551,000 | 2,171 |
| Income before extraordinary items | $870,000 | 3,535 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $870,000 | 3,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,084 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $870,000 | 3,523 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,599,000 | 3,340 |
| Total interest expense | $1,041,000 | 3,162 |
| Net interest income | $1,558,000 | 3,436 |
| Provision for loan and lease losses | $132,000 | 1,626 |
| Total noninterest income | $41,000 | 7,270 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $9,000 | 7,226 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $32,000 | 5,945 |
| Total noninterest expense | $868,000 | 4,433 |
| Salaries and employee benefits | $569,000 | 3,904 |
| Premises and equipment expense | $85,000 | 5,458 |
| Additional noninterest expense | $214,000 | 4,968 |
| Pre-tax net operating income | $599,000 | 3,315 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $231,000 | 2,397 |
| Income before extraordinary items | $368,000 | 3,886 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $368,000 | 3,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,786 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $368,000 | 3,868 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,030,000 | 4,132 |
| Total interest expense | $2,536,000 | 3,783 |
| Net interest income | $4,494,000 | 4,261 |
| Provision for loan and lease losses | $612,000 | 1,596 |
| Total noninterest income | $334,000 | 6,113 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $41,000 | 7,214 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $293,000 | 4,389 |
| Total noninterest expense | $2,950,000 | 4,821 |
| Salaries and employee benefits | $1,947,000 | 4,200 |
| Premises and equipment expense | $289,000 | 5,831 |
| Additional noninterest expense | $714,000 | 5,530 |
| Pre-tax net operating income | $1,266,000 | 4,788 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $417,000 | 3,643 |
| Income before extraordinary items | $849,000 | 5,214 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $849,000 | 5,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,559 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $7,396,000 | 251 |
| Net operating income | $849,000 | 5,179 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,703,000 | 4,446 |
| Total interest expense | $1,669,000 | 3,997 |
| Net interest income | $3,034,000 | 4,602 |
| Provision for loan and lease losses | $415,000 | 1,668 |
| Total noninterest income | $207,000 | 6,536 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 7,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $176,000 | 4,883 |
| Total noninterest expense | $2,193,000 | 4,824 |
| Salaries and employee benefits | $1,437,000 | 4,219 |
| Premises and equipment expense | $212,000 | 5,899 |
| Additional noninterest expense | $544,000 | 5,455 |
| Pre-tax net operating income | $633,000 | 5,866 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $178,000 | 4,587 |
| Income before extraordinary items | $455,000 | 6,100 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $455,000 | 6,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,359 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $7,396,000 | 176 |
| Net operating income | $455,000 | 6,075 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,754,000 | 4,775 |
| Total interest expense | $922,000 | 4,376 |
| Net interest income | $1,832,000 | 4,891 |
| Provision for loan and lease losses | $273,000 | 1,663 |
| Total noninterest income | $181,000 | 5,963 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $22,000 | 7,213 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $159,000 | 4,187 |
| Total noninterest expense | $1,427,000 | 4,896 |
| Salaries and employee benefits | $946,000 | 4,251 |
| Premises and equipment expense | $140,000 | 5,912 |
| Additional noninterest expense | $341,000 | 5,616 |
| Pre-tax net operating income | $313,000 | 6,514 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $36,000 | 5,754 |
| Income before extraordinary items | $277,000 | 6,291 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $277,000 | 6,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $7,396,000 | 112 |
| Net operating income | $277,000 | 6,240 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,218,000 | 5,129 |
| Total interest expense | $403,000 | 4,652 |
| Net interest income | $815,000 | 5,281 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $142,000 | 4,842 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $130,000 | 3,252 |
| Total noninterest expense | $696,000 | 5,017 |
| Salaries and employee benefits | $461,000 | 4,352 |
| Premises and equipment expense | $67,000 | 6,074 |
| Additional noninterest expense | $168,000 | 5,629 |
| Pre-tax net operating income | $111,000 | 7,068 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-40,000 | 8,786 |
| Income before extraordinary items | $151,000 | 6,074 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $151,000 | 6,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $7,396,000 | 56 |
| Net operating income | $151,000 | 6,039 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,198,000 | 6,248 |
| Total interest expense | $1,059,000 | 5,496 |
| Net interest income | $2,139,000 | 6,446 |
| Provision for loan and lease losses | $139,000 | 4,397 |
| Total noninterest income | $227,000 | 6,948 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $44,000 | 7,380 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $183,000 | 5,292 |
| Total noninterest expense | $1,785,000 | 6,388 |
| Salaries and employee benefits | $1,079,000 | 6,044 |
| Premises and equipment expense | $181,000 | 6,967 |
| Additional noninterest expense | $525,000 | 6,397 |
| Pre-tax net operating income | $442,000 | 6,896 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $-92,000 | 8,723 |
| Income before extraordinary items | $534,000 | 6,233 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $534,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,972 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $534,000 | 6,145 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 6,485 |
| Total interest expense | $732,000 | 5,699 |
| Net interest income | $1,480,000 | 6,662 |
| Provision for loan and lease losses | $91,000 | 4,413 |
| Total noninterest income | $142,000 | 7,288 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $32,000 | 7,451 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 5,753 |
| Total noninterest expense | $1,245,000 | 6,575 |
| Salaries and employee benefits | $707,000 | 6,431 |
| Premises and equipment expense | $126,000 | 7,104 |
| Additional noninterest expense | $412,000 | 6,219 |
| Pre-tax net operating income | $286,000 | 7,291 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $286,000 | 6,993 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $286,000 | 6,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,743 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $286,000 | 6,922 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,381,000 | 6,710 |
| Total interest expense | $462,000 | 5,877 |
| Net interest income | $919,000 | 6,892 |
| Provision for loan and lease losses | $47,000 | 4,814 |
| Total noninterest income | $46,000 | 8,272 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $22,000 | 7,457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $24,000 | 7,531 |
| Total noninterest expense | $792,000 | 6,748 |
| Salaries and employee benefits | $449,000 | 6,616 |
| Premises and equipment expense | $78,000 | 7,274 |
| Additional noninterest expense | $265,000 | 6,344 |
| Pre-tax net operating income | $126,000 | 7,716 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $126,000 | 7,533 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $126,000 | 7,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $126,000 | 7,464 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $655,000 | 6,874 |
| Total interest expense | $217,000 | 6,120 |
| Net interest income | $438,000 | 7,052 |
| Provision for loan and lease losses | $24,000 | 4,604 |
| Total noninterest income | $19,000 | 8,452 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $367,000 | 7,001 |
| Salaries and employee benefits | $205,000 | 6,912 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $124,000 | 6,581 |
| Pre-tax net operating income | $66,000 | 7,667 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $66,000 | 7,471 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $66,000 | 7,473 |
| 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 | $66,000 | 7,395 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,050,000 | 7,488 |
| Total interest expense | $740,000 | 6,905 |
| Net interest income | $1,310,000 | 7,647 |
| Provision for loan and lease losses | $235,000 | 3,720 |
| Total noninterest income | $79,000 | 8,516 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $35,000 | 7,652 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $44,000 | 7,707 |
| Total noninterest expense | $1,308,000 | 7,249 |
| Salaries and employee benefits | $730,000 | 7,188 |
| Premises and equipment expense | $130,000 | 7,667 |
| Additional noninterest expense | $448,000 | 6,859 |
| Pre-tax net operating income | $-154,000 | 8,664 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-154,000 | 8,756 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-154,000 | 8,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-154,000 | 8,683 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,450,000 | 7,712 |
| Total interest expense | $534,000 | 7,149 |
| Net interest income | $916,000 | 7,848 |
| Provision for loan and lease losses | $202,000 | 3,320 |
| Total noninterest income | $61,000 | 8,549 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $25,000 | 7,738 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 7,634 |
| Total noninterest expense | $942,000 | 7,343 |
| Salaries and employee benefits | $524,000 | 7,273 |
| Premises and equipment expense | $96,000 | 7,711 |
| Additional noninterest expense | $322,000 | 6,959 |
| Pre-tax net operating income | $-167,000 | 8,799 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-167,000 | 8,874 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-167,000 | 8,875 |
| 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 | $-167,000 | 8,807 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $892,000 | 7,929 |
| Total interest expense | $335,000 | 7,426 |
| Net interest income | $557,000 | 8,041 |
| Provision for loan and lease losses | $119,000 | 3,596 |
| Total noninterest income | $35,000 | 8,698 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $16,000 | 7,783 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $19,000 | 7,898 |
| Total noninterest expense | $596,000 | 7,494 |
| Salaries and employee benefits | $329,000 | 7,444 |
| Premises and equipment expense | $65,000 | 7,693 |
| Additional noninterest expense | $202,000 | 7,115 |
| Pre-tax net operating income | $-123,000 | 8,853 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-123,000 | 8,938 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-123,000 | 8,938 |
| 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 | $-123,000 | 8,856 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $410,000 | 8,133 |
| Total interest expense | $164,000 | 7,562 |
| Net interest income | $246,000 | 8,267 |
| Provision for loan and lease losses | $53,000 | 3,599 |
| Total noninterest income | $18,000 | 8,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $8,000 | 7,776 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $272,000 | 7,736 |
| Salaries and employee benefits | $150,000 | 7,715 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $90,000 | 7,412 |
| Pre-tax net operating income | $-61,000 | 8,916 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-61,000 | 8,979 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-61,000 | 8,976 |
| 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 | $-61,000 | 8,893 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 8,634 |
| Total interest expense | $566,000 | 8,202 |
| Net interest income | $678,000 | 8,770 |
| Provision for loan and lease losses | $132,000 | 5,166 |
| Total noninterest income | $70,000 | 8,746 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $21,000 | 7,965 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $49,000 | 7,624 |
| Total noninterest expense | $1,166,000 | 7,547 |
| Salaries and employee benefits | $626,000 | 7,605 |
| Premises and equipment expense | $132,000 | 7,696 |
| Additional noninterest expense | $408,000 | 7,103 |
| Pre-tax net operating income | $-550,000 | 9,002 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-550,000 | 9,055 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-550,000 | 9,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $6,031,000 | 124 |
| Net operating income | $-550,000 | 9,015 |
* 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.