Home > Texas Coastal Bank > Income and Expense
Texas Coastal Bank, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $648,000 | 6,773 |
| Total interest expense | $84,000 | 6,755 |
| Net interest income | $564,000 | 6,742 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $78,000 | 6,047 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $67,000 | 5,048 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 6,430 |
| Total noninterest expense | $1,040,000 | 5,652 |
| Salaries and employee benefits | $444,000 | 6,005 |
| Premises and equipment expense | $102,000 | 5,767 |
| Additional noninterest expense | $494,000 | 4,886 |
| Pre-tax net operating income | $-398,000 | 6,756 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $5,000 | 4,421 |
| Income before extraordinary items | $-403,000 | 6,824 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-403,000 | 6,825 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-403,000 | 6,825 |
| Net charge-offs | $35,000 | 4,302 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 880 |
| Net operating income | $-403,000 | 6,776 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $343,000 | 6,778 |
| Total interest expense | $43,000 | 6,827 |
| Net interest income | $300,000 | 6,726 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $39,000 | 6,108 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $32,000 | 5,116 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $7,000 | 6,416 |
| Total noninterest expense | $488,000 | 5,819 |
| Salaries and employee benefits | $230,000 | 5,984 |
| Premises and equipment expense | $54,000 | 5,718 |
| Additional noninterest expense | $204,000 | 5,306 |
| Pre-tax net operating income | $-149,000 | 6,803 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $2,000 | 4,463 |
| Income before extraordinary items | $-151,000 | 6,866 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-151,000 | 6,867 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-151,000 | 6,867 |
| Net charge-offs | $18,000 | 3,743 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 776 |
| Net operating income | $-151,000 | 6,819 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,492,000 | 6,774 |
| Total interest expense | $214,000 | 6,862 |
| Net interest income | $1,278,000 | 6,709 |
| Provision for loan and lease losses | $80,000 | 5,528 |
| Total noninterest income | $177,000 | 5,862 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $149,000 | 4,906 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $28,000 | 6,248 |
| Total noninterest expense | $1,880,000 | 5,930 |
| Salaries and employee benefits | $877,000 | 6,109 |
| Premises and equipment expense | $222,000 | 5,832 |
| Additional noninterest expense | $781,000 | 5,445 |
| Pre-tax net operating income | $-505,000 | 6,412 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $189,000 | 2,967 |
| Income before extraordinary items | $-694,000 | 6,554 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-694,000 | 6,554 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-694,000 | 6,553 |
| Net charge-offs | $189,000 | 4,360 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $620,000 | 385 |
| Net operating income | $-694,000 | 6,525 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,089,000 | 6,870 |
| Total interest expense | $169,000 | 6,916 |
| Net interest income | $920,000 | 6,815 |
| Provision for loan and lease losses | $80,000 | 5,195 |
| Total noninterest income | $138,000 | 5,934 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $118,000 | 4,831 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $20,000 | 6,393 |
| Total noninterest expense | $1,417,000 | 5,954 |
| Salaries and employee benefits | $681,000 | 6,062 |
| Premises and equipment expense | $161,000 | 5,932 |
| Additional noninterest expense | $575,000 | 5,530 |
| Pre-tax net operating income | $-439,000 | 6,570 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-157,000 | 7,057 |
| Income before extraordinary items | $-282,000 | 6,563 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-282,000 | 6,564 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-282,000 | 6,564 |
| Net charge-offs | $189,000 | 3,776 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $614,000 | 325 |
| Net operating income | $-282,000 | 6,510 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $735,000 | 6,923 |
| Total interest expense | $119,000 | 6,962 |
| Net interest income | $616,000 | 6,863 |
| Provision for loan and lease losses | $64,000 | 4,845 |
| Total noninterest income | $101,000 | 5,841 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $87,000 | 4,645 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $14,000 | 6,448 |
| Total noninterest expense | $914,000 | 6,071 |
| Salaries and employee benefits | $430,000 | 6,209 |
| Premises and equipment expense | $107,000 | 5,976 |
| Additional noninterest expense | $377,000 | 5,662 |
| Pre-tax net operating income | $-261,000 | 6,617 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-97,000 | 7,103 |
| Income before extraordinary items | $-164,000 | 6,588 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-164,000 | 6,588 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-164,000 | 6,588 |
| Net charge-offs | $194,000 | 3,152 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-164,000 | 6,550 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $372,000 | 6,949 |
| Total interest expense | $64,000 | 6,977 |
| Net interest income | $308,000 | 6,895 |
| Provision for loan and lease losses | $6,000 | 5,552 |
| Total noninterest income | $52,000 | 5,888 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $47,000 | 4,460 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 6,705 |
| Total noninterest expense | $453,000 | 6,121 |
| Salaries and employee benefits | $206,000 | 6,339 |
| Premises and equipment expense | $53,000 | 6,034 |
| Additional noninterest expense | $194,000 | 5,618 |
| Pre-tax net operating income | $-99,000 | 6,683 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-40,000 | 7,158 |
| Income before extraordinary items | $-59,000 | 6,609 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-59,000 | 6,609 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-59,000 | 6,609 |
| Net charge-offs | $123,000 | 2,540 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-59,000 | 6,600 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,559,000 | 7,008 |
| Total interest expense | $353,000 | 6,910 |
| Net interest income | $1,206,000 | 6,972 |
| Provision for loan and lease losses | $580,000 | 3,910 |
| Total noninterest income | $263,000 | 5,590 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $211,000 | 4,312 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $52,000 | 6,081 |
| Total noninterest expense | $1,664,000 | 6,343 |
| Salaries and employee benefits | $762,000 | 6,529 |
| Premises and equipment expense | $223,000 | 6,011 |
| Additional noninterest expense | $679,000 | 5,959 |
| Pre-tax net operating income | $-775,000 | 6,383 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-292,000 | 7,045 |
| Income before extraordinary items | $-483,000 | 6,358 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-483,000 | 6,359 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-483,000 | 6,359 |
| Net charge-offs | $531,000 | 3,575 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-483,000 | 6,309 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,146,000 | 7,139 |
| Total interest expense | $280,000 | 6,990 |
| Net interest income | $866,000 | 7,118 |
| Provision for loan and lease losses | $18,000 | 6,703 |
| Total noninterest income | $200,000 | 5,687 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $159,000 | 4,381 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $41,000 | 6,178 |
| Total noninterest expense | $1,034,000 | 6,713 |
| Salaries and employee benefits | $552,000 | 6,643 |
| Premises and equipment expense | $166,000 | 6,081 |
| Additional noninterest expense | $316,000 | 6,799 |
| Pre-tax net operating income | $14,000 | 5,924 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $14,000 | 6,067 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $14,000 | 6,068 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $14,000 | 6,068 |
| Net charge-offs | $110,000 | 4,812 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $14,000 | 5,950 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $845,000 | 7,101 |
| Total interest expense | $202,000 | 7,004 |
| Net interest income | $643,000 | 7,034 |
| Provision for loan and lease losses | $12,000 | 6,560 |
| Total noninterest income | $222,000 | 4,838 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $108,000 | 4,348 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $114,000 | 4,418 |
| Total noninterest expense | $742,000 | 6,632 |
| Salaries and employee benefits | $372,000 | 6,673 |
| Premises and equipment expense | $106,000 | 6,216 |
| Additional noninterest expense | $264,000 | 6,497 |
| Pre-tax net operating income | $111,000 | 5,437 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $30,000 | 3,574 |
| Income before extraordinary items | $81,000 | 5,672 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $81,000 | 5,675 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $81,000 | 5,674 |
| Net charge-offs | $9,000 | 5,868 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $81,000 | 5,551 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $422,000 | 7,205 |
| Total interest expense | $108,000 | 7,053 |
| Net interest income | $314,000 | 7,151 |
| Provision for loan and lease losses | $6,000 | 6,295 |
| Total noninterest income | $143,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $51,000 | 4,444 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $92,000 | 3,675 |
| Total noninterest expense | $354,000 | 6,800 |
| Salaries and employee benefits | $190,000 | 6,724 |
| Premises and equipment expense | $53,000 | 6,291 |
| Additional noninterest expense | $111,000 | 6,858 |
| Pre-tax net operating income | $97,000 | 5,086 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $20,000 | 3,454 |
| Income before extraordinary items | $77,000 | 5,304 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $77,000 | 5,304 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $77,000 | 5,304 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $77,000 | 5,190 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,716,000 | 7,258 |
| Total interest expense | $457,000 | 7,221 |
| Net interest income | $1,259,000 | 7,170 |
| Provision for loan and lease losses | $388,000 | 4,909 |
| Total noninterest income | $418,000 | 5,048 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $359,000 | 3,537 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $59,000 | 6,205 |
| Total noninterest expense | $1,933,000 | 6,312 |
| Salaries and employee benefits | $626,000 | 7,150 |
| Premises and equipment expense | $304,000 | 5,610 |
| Additional noninterest expense | $1,003,000 | 5,226 |
| Pre-tax net operating income | $-644,000 | 6,071 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-225,000 | 6,803 |
| Income before extraordinary items | $-419,000 | 6,027 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-419,000 | 6,025 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-419,000 | 6,026 |
| Net charge-offs | $40,000 | 6,338 |
| Cash dividends | $82,000 | 4,242 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 1,109 |
| Net operating income | $-419,000 | 6,027 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,285,000 | 7,347 |
| Total interest expense | $340,000 | 7,336 |
| Net interest income | $945,000 | 7,235 |
| Provision for loan and lease losses | $136,000 | 5,600 |
| Total noninterest income | $351,000 | 4,917 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $317,000 | 3,240 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $34,000 | 6,615 |
| Total noninterest expense | $1,576,000 | 6,132 |
| Salaries and employee benefits | $463,000 | 7,208 |
| Premises and equipment expense | $209,000 | 5,863 |
| Additional noninterest expense | $904,000 | 4,712 |
| Pre-tax net operating income | $-416,000 | 6,253 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-143,000 | 7,025 |
| Income before extraordinary items | $-273,000 | 6,206 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-273,000 | 6,207 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-273,000 | 6,206 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $56,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 1,032 |
| Net operating income | $-273,000 | 6,191 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $834,000 | 7,457 |
| Total interest expense | $218,000 | 7,497 |
| Net interest income | $616,000 | 7,304 |
| Provision for loan and lease losses | $8,000 | 6,978 |
| Total noninterest income | $244,000 | 4,855 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $224,000 | 3,103 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $20,000 | 6,800 |
| Total noninterest expense | $695,000 | 7,020 |
| Salaries and employee benefits | $295,000 | 7,344 |
| Premises and equipment expense | $123,000 | 6,197 |
| Additional noninterest expense | $277,000 | 6,658 |
| Pre-tax net operating income | $157,000 | 4,902 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $37,000 | 3,347 |
| Income before extraordinary items | $120,000 | 5,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 5,053 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $120,000 | 5,054 |
| Net charge-offs | $3,000 | 6,371 |
| Cash dividends | $56,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $120,000 | 4,968 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $428,000 | 7,478 |
| Total interest expense | $105,000 | 7,613 |
| Net interest income | $323,000 | 7,257 |
| Provision for loan and lease losses | $2,000 | 6,666 |
| Total noninterest income | $121,000 | 4,858 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $110,000 | 3,094 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $11,000 | 6,794 |
| Total noninterest expense | $360,000 | 6,934 |
| Salaries and employee benefits | $154,000 | 7,328 |
| Premises and equipment expense | $64,000 | 6,148 |
| Additional noninterest expense | $142,000 | 6,451 |
| Pre-tax net operating income | $82,000 | 5,223 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $20,000 | 3,565 |
| Income before extraordinary items | $62,000 | 5,518 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $62,000 | 5,521 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $62,000 | 5,521 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $28,000 | 2,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $62,000 | 5,338 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,746,000 | 7,513 |
| Total interest expense | $590,000 | 7,525 |
| Net interest income | $1,156,000 | 7,412 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $446,000 | 5,078 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $388,000 | 3,515 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $58,000 | 6,606 |
| Total noninterest expense | $1,336,000 | 7,109 |
| Salaries and employee benefits | $604,000 | 7,399 |
| Premises and equipment expense | $229,000 | 6,427 |
| Additional noninterest expense | $503,000 | 6,605 |
| Pre-tax net operating income | $266,000 | 5,549 |
| Securities gains (losses) | $30,000 | 1,931 |
| Applicable income taxes | $82,000 | 3,546 |
| Income before extraordinary items | $214,000 | 5,437 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $214,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 5,360 |
| Cash dividends | $194,000 | 4,552 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $192,400 | 5,666 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,293,000 | 7,608 |
| Total interest expense | $458,000 | 7,598 |
| Net interest income | $835,000 | 7,527 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $322,000 | 5,236 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $281,000 | 3,611 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $41,000 | 6,819 |
| Total noninterest expense | $956,000 | 7,184 |
| Salaries and employee benefits | $441,000 | 7,475 |
| Premises and equipment expense | $170,000 | 6,474 |
| Additional noninterest expense | $345,000 | 6,797 |
| Pre-tax net operating income | $201,000 | 6,033 |
| Securities gains (losses) | $22,000 | 1,949 |
| Applicable income taxes | $53,000 | 4,068 |
| Income before extraordinary items | $170,000 | 5,849 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $170,000 | 5,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,400 |
| Cash dividends | $84,000 | 4,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $153,280 | 6,101 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $871,000 | 7,665 |
| Total interest expense | $320,000 | 7,651 |
| Net interest income | $551,000 | 7,573 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $209,000 | 5,341 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $179,000 | 3,703 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $30,000 | 6,778 |
| Total noninterest expense | $632,000 | 7,254 |
| Salaries and employee benefits | $289,000 | 7,570 |
| Premises and equipment expense | $112,000 | 6,544 |
| Additional noninterest expense | $231,000 | 6,792 |
| Pre-tax net operating income | $128,000 | 6,249 |
| Securities gains (losses) | $22,000 | 1,974 |
| Applicable income taxes | $32,000 | 4,379 |
| Income before extraordinary items | $118,000 | 6,223 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $118,000 | 6,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $56,000 | 4,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $100,620 | 6,281 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $436,000 | 7,738 |
| Total interest expense | $166,000 | 7,720 |
| Net interest income | $270,000 | 7,652 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $101,000 | 5,405 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $85,000 | 3,772 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $16,000 | 6,737 |
| Total noninterest expense | $318,000 | 7,282 |
| Salaries and employee benefits | $139,000 | 7,647 |
| Premises and equipment expense | $60,000 | 6,417 |
| Additional noninterest expense | $119,000 | 6,738 |
| Pre-tax net operating income | $53,000 | 6,574 |
| Securities gains (losses) | $22,000 | 1,537 |
| Applicable income taxes | $11,000 | 4,747 |
| Income before extraordinary items | $64,000 | 6,357 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $64,000 | 6,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $28,000 | 3,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $45,300 | 6,555 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,831,000 | 7,678 |
| Total interest expense | $644,000 | 7,742 |
| Net interest income | $1,187,000 | 7,520 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $436,000 | 5,315 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $388,000 | 3,579 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $48,000 | 7,133 |
| Total noninterest expense | $1,258,000 | 7,267 |
| Salaries and employee benefits | $524,000 | 7,734 |
| Premises and equipment expense | $255,000 | 6,202 |
| Additional noninterest expense | $479,000 | 6,678 |
| Pre-tax net operating income | $365,000 | 6,377 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $120,000 | 4,330 |
| Income before extraordinary items | $245,000 | 6,624 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $245,000 | 6,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,188 |
| Cash dividends | $193,000 | 4,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $245,000 | 6,609 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,363,000 | 7,728 |
| Total interest expense | $478,000 | 7,800 |
| Net interest income | $885,000 | 7,586 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $339,000 | 5,283 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $301,000 | 3,509 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $38,000 | 7,108 |
| Total noninterest expense | $914,000 | 7,316 |
| Salaries and employee benefits | $380,000 | 7,764 |
| Premises and equipment expense | $187,000 | 6,246 |
| Additional noninterest expense | $347,000 | 6,761 |
| Pre-tax net operating income | $310,000 | 6,524 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $99,000 | 4,451 |
| Income before extraordinary items | $211,000 | 6,757 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $211,000 | 6,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,218 |
| Cash dividends | $83,000 | 4,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $211,000 | 6,744 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $895,000 | 7,800 |
| Total interest expense | $318,000 | 7,844 |
| Net interest income | $577,000 | 7,660 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $223,000 | 5,352 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $197,000 | 3,549 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $26,000 | 7,121 |
| Total noninterest expense | $608,000 | 7,366 |
| Salaries and employee benefits | $256,000 | 7,805 |
| Premises and equipment expense | $120,000 | 6,367 |
| Additional noninterest expense | $232,000 | 6,777 |
| Pre-tax net operating income | $192,000 | 6,685 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $61,000 | 4,599 |
| Income before extraordinary items | $131,000 | 6,900 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $131,000 | 6,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,902 |
| Cash dividends | $56,000 | 4,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $131,000 | 6,886 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $438,000 | 7,861 |
| Total interest expense | $159,000 | 7,875 |
| Net interest income | $279,000 | 7,754 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $101,000 | 5,536 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $90,000 | 3,661 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $289,000 | 7,498 |
| Salaries and employee benefits | $124,000 | 7,893 |
| Premises and equipment expense | $50,000 | 6,802 |
| Additional noninterest expense | $115,000 | 6,805 |
| Pre-tax net operating income | $91,000 | 6,775 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $28,000 | 4,668 |
| Income before extraordinary items | $63,000 | 6,968 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $63,000 | 6,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $28,000 | 3,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $63,000 | 6,951 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 7,785 |
| Total interest expense | $507,000 | 7,905 |
| Net interest income | $1,178,000 | 7,610 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $420,000 | 5,499 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $372,000 | 3,687 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 7,298 |
| Total noninterest expense | $1,209,000 | 7,369 |
| Salaries and employee benefits | $527,000 | 7,798 |
| Premises and equipment expense | $234,000 | 6,371 |
| Additional noninterest expense | $448,000 | 6,803 |
| Pre-tax net operating income | $389,000 | 6,818 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $122,000 | 4,794 |
| Income before extraordinary items | $267,000 | 7,039 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $267,000 | 7,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,999 |
| Cash dividends | $193,000 | 5,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $267,000 | 7,032 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,253,000 | 7,850 |
| Total interest expense | $366,000 | 7,972 |
| Net interest income | $887,000 | 7,667 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $310,000 | 5,563 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $274,000 | 3,751 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $36,000 | 7,336 |
| Total noninterest expense | $894,000 | 7,398 |
| Salaries and employee benefits | $384,000 | 7,839 |
| Premises and equipment expense | $178,000 | 6,364 |
| Additional noninterest expense | $332,000 | 6,862 |
| Pre-tax net operating income | $303,000 | 6,993 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $98,000 | 4,946 |
| Income before extraordinary items | $205,000 | 7,200 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $205,000 | 7,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,110 |
| Cash dividends | $84,000 | 4,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $205,000 | 7,197 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $810,000 | 7,910 |
| Total interest expense | $226,000 | 8,038 |
| Net interest income | $584,000 | 7,739 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $228,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $202,000 | 3,521 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $26,000 | 7,282 |
| Total noninterest expense | $585,000 | 7,468 |
| Salaries and employee benefits | $244,000 | 7,939 |
| Premises and equipment expense | $110,000 | 6,558 |
| Additional noninterest expense | $231,000 | 6,773 |
| Pre-tax net operating income | $227,000 | 6,900 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $68,000 | 4,956 |
| Income before extraordinary items | $159,000 | 7,086 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $159,000 | 7,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,422 |
| Cash dividends | $56,000 | 4,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $159,000 | 7,098 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $393,000 | 7,955 |
| Total interest expense | $109,000 | 8,065 |
| Net interest income | $284,000 | 7,810 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $126,000 | 5,087 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $112,000 | 3,228 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,173 |
| Total noninterest expense | $291,000 | 7,498 |
| Salaries and employee benefits | $112,000 | 8,075 |
| Premises and equipment expense | $61,000 | 6,319 |
| Additional noninterest expense | $118,000 | 6,671 |
| Pre-tax net operating income | $119,000 | 6,808 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $40,000 | 4,735 |
| Income before extraordinary items | $79,000 | 7,056 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $28,000 | 3,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $79,000 | 7,062 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,529,000 | 7,875 |
| Total interest expense | $287,000 | 8,219 |
| Net interest income | $1,242,000 | 7,633 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $535,000 | 5,076 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $339,000 | 3,917 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $196,000 | 5,204 |
| Total noninterest expense | $1,230,000 | 7,352 |
| Salaries and employee benefits | $596,000 | 7,633 |
| Premises and equipment expense | $202,000 | 6,706 |
| Additional noninterest expense | $432,000 | 6,920 |
| Pre-tax net operating income | $547,000 | 6,592 |
| Securities gains (losses) | $-33,000 | 8,031 |
| Applicable income taxes | $175,000 | 4,828 |
| Income before extraordinary items | $339,000 | 7,013 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $339,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,288 |
| Cash dividends | $194,000 | 4,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $360,780 | 6,922 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 7,918 |
| Total interest expense | $204,000 | 8,265 |
| Net interest income | $916,000 | 7,705 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $431,000 | 4,934 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $247,000 | 3,988 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $184,000 | 4,793 |
| Total noninterest expense | $830,000 | 7,558 |
| Salaries and employee benefits | $371,000 | 7,892 |
| Premises and equipment expense | $140,000 | 6,866 |
| Additional noninterest expense | $319,000 | 6,968 |
| Pre-tax net operating income | $517,000 | 6,327 |
| Securities gains (losses) | $-33,000 | 8,363 |
| Applicable income taxes | $164,000 | 4,713 |
| Income before extraordinary items | $320,000 | 6,813 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $320,000 | 6,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,608 |
| Cash dividends | $84,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $341,780 | 6,659 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $731,000 | 7,954 |
| Total interest expense | $129,000 | 8,277 |
| Net interest income | $602,000 | 7,738 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $325,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $156,000 | 4,066 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $169,000 | 4,061 |
| Total noninterest expense | $540,000 | 7,606 |
| Salaries and employee benefits | $249,000 | 7,897 |
| Premises and equipment expense | $87,000 | 6,993 |
| Additional noninterest expense | $204,000 | 7,044 |
| Pre-tax net operating income | $387,000 | 6,061 |
| Securities gains (losses) | $-33,000 | 8,503 |
| Applicable income taxes | $120,000 | 4,564 |
| Income before extraordinary items | $234,000 | 6,644 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $234,000 | 6,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $56,000 | 4,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $255,780 | 6,421 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $372,000 | 7,975 |
| Total interest expense | $62,000 | 8,358 |
| Net interest income | $310,000 | 7,766 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $98,000 | 5,732 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $73,000 | 4,143 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $272,000 | 7,645 |
| Salaries and employee benefits | $127,000 | 7,925 |
| Premises and equipment expense | $43,000 | 7,087 |
| Additional noninterest expense | $102,000 | 7,090 |
| Pre-tax net operating income | $136,000 | 6,741 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $46,000 | 4,870 |
| Income before extraordinary items | $90,000 | 7,057 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $90,000 | 7,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $28,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $90,000 | 7,020 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,409,000 | 8,003 |
| Total interest expense | $224,000 | 8,383 |
| Net interest income | $1,185,000 | 7,759 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $396,000 | 5,819 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $317,000 | 4,197 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $79,000 | 6,787 |
| Total noninterest expense | $1,040,000 | 7,735 |
| Salaries and employee benefits | $491,000 | 8,000 |
| Premises and equipment expense | $140,000 | 7,441 |
| Additional noninterest expense | $409,000 | 7,068 |
| Pre-tax net operating income | $541,000 | 6,577 |
| Securities gains (losses) | $-91,000 | 8,707 |
| Applicable income taxes | $153,000 | 5,073 |
| Income before extraordinary items | $297,000 | 7,245 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $297,000 | 7,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $166,000 | 5,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $357,060 | 6,933 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,076,000 | 8,003 |
| Total interest expense | $164,000 | 8,444 |
| Net interest income | $912,000 | 7,756 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $293,000 | 5,875 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $231,000 | 4,286 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $62,000 | 6,751 |
| Total noninterest expense | $791,000 | 7,666 |
| Salaries and employee benefits | $382,000 | 7,926 |
| Premises and equipment expense | $105,000 | 7,429 |
| Additional noninterest expense | $304,000 | 7,052 |
| Pre-tax net operating income | $414,000 | 6,672 |
| Securities gains (losses) | $-91,000 | 8,882 |
| Applicable income taxes | $110,000 | 5,239 |
| Income before extraordinary items | $213,000 | 7,404 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $213,000 | 7,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,697 |
| Cash dividends | $56,000 | 4,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $273,060 | 7,002 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $718,000 | 8,039 |
| Total interest expense | $105,000 | 8,540 |
| Net interest income | $613,000 | 7,774 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $186,000 | 5,987 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $148,000 | 4,361 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $38,000 | 6,883 |
| Total noninterest expense | $522,000 | 7,734 |
| Salaries and employee benefits | $256,000 | 7,978 |
| Premises and equipment expense | $69,000 | 7,486 |
| Additional noninterest expense | $197,000 | 7,168 |
| Pre-tax net operating income | $277,000 | 6,655 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $94,000 | 4,923 |
| Income before extraordinary items | $183,000 | 7,044 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $183,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $28,000 | 4,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $183,000 | 6,972 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 8,093 |
| Total interest expense | $52,000 | 8,600 |
| Net interest income | $305,000 | 7,816 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $95,000 | 5,901 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $79,000 | 4,141 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $16,000 | 7,156 |
| Total noninterest expense | $263,000 | 7,771 |
| Salaries and employee benefits | $128,000 | 8,003 |
| Premises and equipment expense | $35,000 | 7,507 |
| Additional noninterest expense | $100,000 | 7,147 |
| Pre-tax net operating income | $137,000 | 6,628 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $47,000 | 4,925 |
| Income before extraordinary items | $90,000 | 7,065 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $90,000 | 7,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $28,000 | 3,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $90,000 | 6,975 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,396,000 | 8,180 |
| Total interest expense | $244,000 | 8,626 |
| Net interest income | $1,152,000 | 7,880 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $370,000 | 6,129 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $286,000 | 4,418 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $84,000 | 6,810 |
| Total noninterest expense | $1,019,000 | 7,838 |
| Salaries and employee benefits | $463,000 | 8,210 |
| Premises and equipment expense | $134,000 | 7,616 |
| Additional noninterest expense | $422,000 | 7,028 |
| Pre-tax net operating income | $503,000 | 6,672 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $78,000 | 5,957 |
| Income before extraordinary items | $425,000 | 6,689 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $425,000 | 6,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $110,000 | 5,483 |
| Sale, conversion, retirement of capital stock, net | $200,000 | 601 |
| Net operating income | $425,000 | 6,528 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,029,000 | 8,293 |
| Total interest expense | $187,000 | 8,719 |
| Net interest income | $842,000 | 7,999 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $284,000 | 6,135 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $212,000 | 4,456 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $72,000 | 6,652 |
| Total noninterest expense | $764,000 | 7,831 |
| Salaries and employee benefits | $346,000 | 8,217 |
| Premises and equipment expense | $100,000 | 7,626 |
| Additional noninterest expense | $318,000 | 6,989 |
| Pre-tax net operating income | $362,000 | 6,890 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $51,000 | 6,185 |
| Income before extraordinary items | $311,000 | 6,890 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $311,000 | 6,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $311,000 | 6,719 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $679,000 | 8,368 |
| Total interest expense | $129,000 | 8,767 |
| Net interest income | $550,000 | 8,068 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $164,000 | 6,429 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $123,000 | 4,793 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $41,000 | 6,905 |
| Total noninterest expense | $509,000 | 7,856 |
| Salaries and employee benefits | $230,000 | 8,249 |
| Premises and equipment expense | $64,000 | 7,719 |
| Additional noninterest expense | $215,000 | 6,954 |
| Pre-tax net operating income | $205,000 | 7,171 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $20,000 | 6,596 |
| Income before extraordinary items | $185,000 | 7,108 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $185,000 | 7,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $185,000 | 6,922 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $346,000 | 8,408 |
| Total interest expense | $64,000 | 8,843 |
| Net interest income | $282,000 | 8,061 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $76,000 | 6,544 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $65,000 | 4,539 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $261,000 | 7,832 |
| Salaries and employee benefits | $113,000 | 8,316 |
| Premises and equipment expense | $35,000 | 7,597 |
| Additional noninterest expense | $113,000 | 6,807 |
| Pre-tax net operating income | $97,000 | 7,240 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $8,000 | 6,684 |
| Income before extraordinary items | $89,000 | 7,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $89,000 | 7,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $89,000 | 6,956 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,321,000 | 8,567 |
| Total interest expense | $324,000 | 8,842 |
| Net interest income | $997,000 | 8,263 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $501,000 | 5,209 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $213,000 | 5,064 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $288,000 | 4,346 |
| Total noninterest expense | $1,073,000 | 7,772 |
| Salaries and employee benefits | $503,000 | 8,132 |
| Premises and equipment expense | $126,000 | 7,806 |
| Additional noninterest expense | $444,000 | 6,850 |
| Pre-tax net operating income | $425,000 | 7,055 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $432,000 | 6,688 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $432,000 | 6,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $425,000 | 6,592 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,256,000 | 8,943 |
| Total interest expense | $602,000 | 8,822 |
| Net interest income | $654,000 | 8,934 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $245,000 | 6,907 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $163,000 | 5,625 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $82,000 | 6,833 |
| Total noninterest expense | $1,065,000 | 7,791 |
| Salaries and employee benefits | $470,000 | 8,309 |
| Premises and equipment expense | $141,000 | 7,677 |
| Additional noninterest expense | $454,000 | 6,757 |
| Pre-tax net operating income | $-166,000 | 8,932 |
| Securities gains (losses) | $23,000 | 3,041 |
| Applicable income taxes | $-50,000 | 9,159 |
| Income before extraordinary items | $-93,000 | 8,949 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-93,000 | 8,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-107,950 | 8,911 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 8,899 |
| Total interest expense | $680,000 | 8,901 |
| Net interest income | $865,000 | 8,765 |
| Provision for loan and lease losses | $-664,000 | 9,882 |
| Total noninterest income | $204,000 | 7,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $177,000 | 5,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 8,667 |
| Total noninterest expense | $1,506,000 | 6,739 |
| Salaries and employee benefits | $468,000 | 8,410 |
| Premises and equipment expense | $136,000 | 7,816 |
| Additional noninterest expense | $902,000 | 4,325 |
| Pre-tax net operating income | $227,000 | 8,248 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $17,000 | 7,911 |
| Income before extraordinary items | $210,000 | 8,010 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $210,000 | 8,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-628,000 | 9,882 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $210,000 | 8,013 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 8,896 |
| Total interest expense | $677,000 | 8,999 |
| Net interest income | $964,000 | 8,712 |
| Provision for loan and lease losses | $367,000 | 2,244 |
| Total noninterest income | $281,000 | 6,616 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,178 |
| Total noninterest expense | $1,053,000 | 7,969 |
| Salaries and employee benefits | $391,000 | 8,936 |
| Premises and equipment expense | $141,000 | 7,831 |
| Additional noninterest expense | $521,000 | 6,356 |
| Pre-tax net operating income | $-175,000 | 9,602 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $5,000 | 8,598 |
| Income before extraordinary items | $-180,000 | 9,658 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-180,000 | 9,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,758 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-180,000 | 9,635 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,548,000 | 9,225 |
| Total interest expense | $762,000 | 9,037 |
| Net interest income | $786,000 | 9,293 |
| Provision for loan and lease losses | $965,000 | 1,005 |
| Total noninterest income | $476,000 | 5,079 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $247,000 | 4,531 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $229,000 | 4,630 |
| Total noninterest expense | $897,000 | 8,440 |
| Salaries and employee benefits | $368,000 | 9,173 |
| Premises and equipment expense | $137,000 | 7,934 |
| Additional noninterest expense | $392,000 | 7,279 |
| Pre-tax net operating income | $-600,000 | 10,232 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-600,000 | 10,274 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-600,000 | 10,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $939,000 | 797 |
| Cash dividends | $150,000 | 5,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-600,000 | 10,246 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,308,000 | 9,921 |
| Total interest expense | $510,000 | 10,079 |
| Net interest income | $798,000 | 9,674 |
| Provision for loan and lease losses | $8,000 | 8,510 |
| Total noninterest income | $302,000 | 6,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,473 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,946 |
| Total noninterest expense | $700,000 | 9,402 |
| Salaries and employee benefits | $310,000 | 9,882 |
| Premises and equipment expense | $128,000 | 8,292 |
| Additional noninterest expense | $262,000 | 8,709 |
| Pre-tax net operating income | $392,000 | 8,488 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $136,000 | 7,823 |
| Income before extraordinary items | $256,000 | 8,699 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $256,000 | 8,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,261 |
| Cash dividends | $213,000 | 5,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $256,000 | 8,658 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $917,000 | 10,912 |
| Total interest expense | $294,000 | 11,088 |
| Net interest income | $623,000 | 10,598 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $322,000 | 6,693 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $196,000 | 5,636 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 6,462 |
| Total noninterest expense | $646,000 | 10,007 |
| Salaries and employee benefits | $267,000 | 10,606 |
| Premises and equipment expense | $126,000 | 8,634 |
| Additional noninterest expense | $253,000 | 9,368 |
| Pre-tax net operating income | $299,000 | 9,141 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $100,000 | 8,748 |
| Income before extraordinary items | $199,000 | 9,312 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $199,000 | 9,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $199,000 | 9,253 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 11,536 |
| Total interest expense | $243,000 | 11,691 |
| Net interest income | $545,000 | 11,288 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $268,000 | 7,470 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 5,038 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,586 |
| Total noninterest expense | $714,000 | 10,127 |
| Salaries and employee benefits | $249,000 | 11,159 |
| Premises and equipment expense | $92,000 | 9,856 |
| Additional noninterest expense | $373,000 | 8,468 |
| Pre-tax net operating income | $99,000 | 11,094 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $16,000 | 10,816 |
| Income before extraordinary items | $83,000 | 11,076 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $83,000 | 11,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 10,004 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $83,000 | 11,058 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $835,000 | 12,015 |
| Total interest expense | $185,000 | 12,374 |
| Net interest income | $650,000 | 11,554 |
| Provision for loan and lease losses | $26,000 | 7,364 |
| Total noninterest income | $270,000 | 7,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 5,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 11,420 |
| Total noninterest expense | $842,000 | 10,040 |
| Salaries and employee benefits | $239,000 | 11,761 |
| Premises and equipment expense | $78,000 | 10,708 |
| Additional noninterest expense | $525,000 | 7,635 |
| Pre-tax net operating income | $52,000 | 11,905 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $7,000 | 11,444 |
| Income before extraordinary items | $45,000 | 11,840 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $45,000 | 11,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,352 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $45,000 | 11,877 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $873,000 | 12,539 |
| Total interest expense | $213,000 | 12,950 |
| Net interest income | $660,000 | 12,008 |
| Provision for loan and lease losses | $27,000 | 8,602 |
| Total noninterest income | $245,000 | 8,435 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,578 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 11,745 |
| Total noninterest expense | $645,000 | 11,403 |
| Salaries and employee benefits | $226,000 | 12,403 |
| Premises and equipment expense | $77,000 | 11,269 |
| Additional noninterest expense | $342,000 | 9,932 |
| Pre-tax net operating income | $233,000 | 10,760 |
| Securities gains (losses) | $43,000 | 3,630 |
| Applicable income taxes | $91,000 | 9,959 |
| Income before extraordinary items | $185,000 | 10,816 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $185,000 | 10,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $187,000 | 5,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $156,190 | 10,918 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 12,999 |
| Total interest expense | $253,000 | 13,590 |
| Net interest income | $761,000 | 12,072 |
| Provision for loan and lease losses | $72,000 | 8,175 |
| Total noninterest income | $235,000 | 8,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,774 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $23,000 | 12,330 |
| Total noninterest expense | $585,000 | 12,154 |
| Salaries and employee benefits | $226,000 | 12,873 |
| Premises and equipment expense | $82,000 | 11,425 |
| Additional noninterest expense | $277,000 | 11,175 |
| Pre-tax net operating income | $339,000 | 9,786 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $116,000 | 9,484 |
| 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 | $44,000 | 7,838 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $223,000 | 9,930 |
* 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.