The Bank, Income and Expense
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,261,000 | 4,750 |
| Total interest expense | $2,754,000 | 4,231 |
| Net interest income | $2,507,000 | 5,210 |
| Provision for loan and lease losses | $29,000 | 5,583 |
| Total noninterest income | $537,000 | 4,247 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $324,000 | 3,375 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $211,000 | 4,386 |
| Total noninterest expense | $1,718,000 | 5,821 |
| Salaries and employee benefits | $1,007,000 | 5,624 |
| Premises and equipment expense | $116,000 | 7,191 |
| Additional noninterest expense | $595,000 | 5,322 |
| Pre-tax net operating income | $1,297,000 | 3,784 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $10,000 | 5,728 |
| Income before extraordinary items | $1,287,000 | 3,313 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,287,000 | 3,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,250 |
| Cash dividends | $1,048,000 | 1,940 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,287,000 | 3,298 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,478,000 | 4,779 |
| Total interest expense | $1,848,000 | 4,223 |
| Net interest income | $1,630,000 | 5,316 |
| Provision for loan and lease losses | $27,000 | 5,100 |
| Total noninterest income | $339,000 | 4,397 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $205,000 | 3,466 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $132,000 | 4,559 |
| Total noninterest expense | $1,155,000 | 5,836 |
| Salaries and employee benefits | $670,000 | 5,694 |
| Premises and equipment expense | $89,000 | 6,968 |
| Additional noninterest expense | $396,000 | 5,327 |
| Pre-tax net operating income | $787,000 | 4,051 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $6,000 | 5,846 |
| Income before extraordinary items | $781,000 | 3,572 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $781,000 | 3,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,485 |
| Cash dividends | $636,000 | 2,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $781,000 | 3,548 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,694,000 | 4,857 |
| Total interest expense | $891,000 | 4,300 |
| Net interest income | $803,000 | 5,375 |
| Provision for loan and lease losses | $26,000 | 4,092 |
| Total noninterest income | $150,000 | 4,643 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $92,000 | 3,616 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $57,000 | 4,859 |
| Total noninterest expense | $573,000 | 5,887 |
| Salaries and employee benefits | $333,000 | 5,760 |
| Premises and equipment expense | $52,000 | 6,733 |
| Additional noninterest expense | $188,000 | 5,464 |
| Pre-tax net operating income | $354,000 | 4,282 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $3,000 | 5,852 |
| Income before extraordinary items | $351,000 | 3,812 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $351,000 | 3,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,323 |
| Cash dividends | $370,000 | 1,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $351,000 | 3,790 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,015,000 | 5,014 |
| Total interest expense | $2,857,000 | 4,442 |
| Net interest income | $3,158,000 | 5,362 |
| Provision for loan and lease losses | $102,000 | 4,687 |
| Total noninterest income | $699,000 | 4,353 |
| Gross Fiduciary activities income | $2,000 | 1,427 |
| Service charges on deposit accounts | $412,000 | 3,476 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $285,000 | 4,407 |
| Total noninterest expense | $2,317,000 | 5,722 |
| Salaries and employee benefits | $1,395,000 | 5,423 |
| Premises and equipment expense | $181,000 | 6,913 |
| Additional noninterest expense | $741,000 | 5,479 |
| Pre-tax net operating income | $1,438,000 | 4,387 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $13,000 | 6,081 |
| Income before extraordinary items | $1,425,000 | 3,891 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,425,000 | 3,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,120 |
| Cash dividends | $880,000 | 2,790 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,425,000 | 3,867 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,390,000 | 5,082 |
| Total interest expense | $2,035,000 | 4,503 |
| Net interest income | $2,355,000 | 5,426 |
| Provision for loan and lease losses | $67,000 | 4,730 |
| Total noninterest income | $495,000 | 4,502 |
| Gross Fiduciary activities income | $2,000 | 1,362 |
| Service charges on deposit accounts | $301,000 | 3,568 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $192,000 | 4,614 |
| Total noninterest expense | $1,734,000 | 5,710 |
| Salaries and employee benefits | $1,047,000 | 5,404 |
| Premises and equipment expense | $137,000 | 6,927 |
| Additional noninterest expense | $550,000 | 5,494 |
| Pre-tax net operating income | $1,049,000 | 4,623 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $10,000 | 6,224 |
| Income before extraordinary items | $1,039,000 | 4,082 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,039,000 | 4,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,824 |
| Cash dividends | $879,000 | 2,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,039,000 | 4,064 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,829,000 | 5,155 |
| Total interest expense | $1,272,000 | 4,544 |
| Net interest income | $1,557,000 | 5,484 |
| Provision for loan and lease losses | $-7,000 | 8,493 |
| Total noninterest income | $304,000 | 4,702 |
| Gross Fiduciary activities income | $2,000 | 1,334 |
| Service charges on deposit accounts | $192,000 | 3,637 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $110,000 | 4,927 |
| Total noninterest expense | $1,149,000 | 5,751 |
| Salaries and employee benefits | $690,000 | 5,469 |
| Premises and equipment expense | $91,000 | 6,962 |
| Additional noninterest expense | $368,000 | 5,478 |
| Pre-tax net operating income | $719,000 | 4,570 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $6,000 | 6,279 |
| Income before extraordinary items | $713,000 | 4,020 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $713,000 | 4,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,609 |
| Cash dividends | $497,000 | 2,420 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $713,000 | 4,008 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,365,000 | 5,210 |
| Total interest expense | $593,000 | 4,611 |
| Net interest income | $772,000 | 5,507 |
| Provision for loan and lease losses | $2,000 | 5,907 |
| Total noninterest income | $134,000 | 4,950 |
| Gross Fiduciary activities income | $1,000 | 1,305 |
| Service charges on deposit accounts | $83,000 | 3,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,119 |
| Total noninterest expense | $576,000 | 5,749 |
| Salaries and employee benefits | $344,000 | 5,490 |
| Premises and equipment expense | $50,000 | 6,755 |
| Additional noninterest expense | $182,000 | 5,465 |
| Pre-tax net operating income | $328,000 | 4,745 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $325,000 | 4,213 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $325,000 | 4,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $250,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $325,000 | 4,197 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,904,000 | 5,210 |
| Total interest expense | $1,711,000 | 4,883 |
| Net interest income | $3,193,000 | 5,302 |
| Provision for loan and lease losses | $19,000 | 6,557 |
| Total noninterest income | $569,000 | 4,928 |
| Gross Fiduciary activities income | $2,000 | 1,452 |
| Service charges on deposit accounts | $306,000 | 4,127 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $261,000 | 4,638 |
| Total noninterest expense | $2,276,000 | 5,675 |
| Salaries and employee benefits | $1,326,000 | 5,461 |
| Premises and equipment expense | $188,000 | 6,848 |
| Additional noninterest expense | $762,000 | 5,323 |
| Pre-tax net operating income | $1,467,000 | 4,443 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $13,000 | 6,454 |
| Income before extraordinary items | $1,454,000 | 3,859 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,454,000 | 3,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,317 |
| Cash dividends | $1,026,000 | 2,385 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,454,000 | 3,832 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,575,000 | 5,286 |
| Total interest expense | $1,157,000 | 5,037 |
| Net interest income | $2,418,000 | 5,282 |
| Provision for loan and lease losses | $-1,000 | 8,565 |
| Total noninterest income | $451,000 | 4,819 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $234,000 | 4,103 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $215,000 | 4,440 |
| Total noninterest expense | $1,705,000 | 5,646 |
| Salaries and employee benefits | $998,000 | 5,426 |
| Premises and equipment expense | $133,000 | 6,961 |
| Additional noninterest expense | $574,000 | 5,251 |
| Pre-tax net operating income | $1,165,000 | 4,381 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $10,000 | 6,526 |
| Income before extraordinary items | $1,155,000 | 3,768 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,155,000 | 3,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $916,000 | 1,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,155,000 | 3,726 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,337,000 | 5,273 |
| Total interest expense | $705,000 | 5,129 |
| Net interest income | $1,632,000 | 5,239 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $277,000 | 4,993 |
| Gross Fiduciary activities income | $1,000 | 1,384 |
| Service charges on deposit accounts | $154,000 | 4,093 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $122,000 | 4,775 |
| Total noninterest expense | $1,136,000 | 5,641 |
| Salaries and employee benefits | $658,000 | 5,439 |
| Premises and equipment expense | $83,000 | 7,078 |
| Additional noninterest expense | $395,000 | 5,130 |
| Pre-tax net operating income | $773,000 | 4,359 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $6,000 | 6,566 |
| Income before extraordinary items | $767,000 | 3,732 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $767,000 | 3,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $519,000 | 2,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $767,000 | 3,689 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 5,355 |
| Total interest expense | $325,000 | 5,267 |
| Net interest income | $803,000 | 5,318 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $140,000 | 4,884 |
| Gross Fiduciary activities income | $1,000 | 1,320 |
| Service charges on deposit accounts | $74,000 | 4,114 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $65,000 | 4,607 |
| Total noninterest expense | $560,000 | 5,726 |
| Salaries and employee benefits | $324,000 | 5,546 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $197,000 | 5,135 |
| Pre-tax net operating income | $383,000 | 4,386 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $380,000 | 3,748 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $380,000 | 3,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $250,000 | 1,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $380,000 | 3,710 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,397,000 | 5,257 |
| Total interest expense | $1,243,000 | 5,022 |
| Net interest income | $3,154,000 | 5,267 |
| Provision for loan and lease losses | $41,000 | 6,153 |
| Total noninterest income | $612,000 | 4,770 |
| Gross Fiduciary activities income | $2,000 | 1,487 |
| Service charges on deposit accounts | $329,000 | 4,105 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $281,000 | 4,395 |
| Total noninterest expense | $2,194,000 | 5,711 |
| Salaries and employee benefits | $1,252,000 | 5,566 |
| Premises and equipment expense | $269,000 | 5,998 |
| Additional noninterest expense | $673,000 | 5,649 |
| Pre-tax net operating income | $1,531,000 | 4,201 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $13,000 | 6,689 |
| Income before extraordinary items | $1,518,000 | 3,602 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,518,000 | 3,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 4,883 |
| Cash dividends | $949,000 | 2,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,518,000 | 3,549 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,266,000 | 5,261 |
| Total interest expense | $920,000 | 5,026 |
| Net interest income | $2,346,000 | 5,279 |
| Provision for loan and lease losses | $-44,000 | 8,832 |
| Total noninterest income | $473,000 | 4,685 |
| Gross Fiduciary activities income | $2,000 | 1,430 |
| Service charges on deposit accounts | $250,000 | 4,105 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $221,000 | 4,315 |
| Total noninterest expense | $1,626,000 | 5,717 |
| Salaries and employee benefits | $933,000 | 5,543 |
| Premises and equipment expense | $198,000 | 6,006 |
| Additional noninterest expense | $495,000 | 5,670 |
| Pre-tax net operating income | $1,237,000 | 4,088 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $10,000 | 6,779 |
| Income before extraordinary items | $1,227,000 | 3,487 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,227,000 | 3,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,632 |
| Cash dividends | $818,000 | 1,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,227,000 | 3,401 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,143,000 | 5,330 |
| Total interest expense | $598,000 | 5,109 |
| Net interest income | $1,545,000 | 5,305 |
| Provision for loan and lease losses | $-50,000 | 8,928 |
| Total noninterest income | $307,000 | 4,762 |
| Gross Fiduciary activities income | $1,000 | 1,443 |
| Service charges on deposit accounts | $164,000 | 4,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $142,000 | 4,412 |
| Total noninterest expense | $1,064,000 | 5,799 |
| Salaries and employee benefits | $611,000 | 5,635 |
| Premises and equipment expense | $126,000 | 6,189 |
| Additional noninterest expense | $327,000 | 5,709 |
| Pre-tax net operating income | $838,000 | 3,989 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $832,000 | 3,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $832,000 | 3,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,726 |
| Cash dividends | $541,000 | 2,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $832,000 | 3,334 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,067,000 | 5,368 |
| Total interest expense | $301,000 | 5,153 |
| Net interest income | $766,000 | 5,355 |
| Provision for loan and lease losses | $-31,000 | 8,977 |
| Total noninterest income | $138,000 | 4,988 |
| Gross Fiduciary activities income | $1,000 | 1,344 |
| Service charges on deposit accounts | $77,000 | 4,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $60,000 | 4,738 |
| Total noninterest expense | $527,000 | 5,874 |
| Salaries and employee benefits | $304,000 | 5,700 |
| Premises and equipment expense | $58,000 | 6,408 |
| Additional noninterest expense | $165,000 | 5,693 |
| Pre-tax net operating income | $408,000 | 4,026 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $405,000 | 3,460 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $405,000 | 3,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,722 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $405,000 | 3,358 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,400,000 | 5,319 |
| Total interest expense | $1,558,000 | 4,763 |
| Net interest income | $2,842,000 | 5,476 |
| Provision for loan and lease losses | $51,000 | 6,233 |
| Total noninterest income | $679,000 | 4,637 |
| Gross Fiduciary activities income | $2,000 | 1,536 |
| Service charges on deposit accounts | $308,000 | 4,236 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $369,000 | 4,120 |
| Total noninterest expense | $2,096,000 | 5,837 |
| Salaries and employee benefits | $1,143,000 | 5,805 |
| Premises and equipment expense | $281,000 | 5,863 |
| Additional noninterest expense | $672,000 | 5,624 |
| Pre-tax net operating income | $1,374,000 | 4,356 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $459,000 | 3,533 |
| Income before extraordinary items | $915,000 | 4,890 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $915,000 | 4,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,047 |
| Cash dividends | $400,000 | 3,891 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $915,000 | 4,732 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,322,000 | 5,366 |
| Total interest expense | $1,232,000 | 4,731 |
| Net interest income | $2,090,000 | 5,579 |
| Provision for loan and lease losses | $43,000 | 6,051 |
| Total noninterest income | $527,000 | 4,599 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $230,000 | 4,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $296,000 | 4,066 |
| Total noninterest expense | $1,535,000 | 5,905 |
| Salaries and employee benefits | $845,000 | 5,820 |
| Premises and equipment expense | $191,000 | 6,116 |
| Additional noninterest expense | $499,000 | 5,646 |
| Pre-tax net operating income | $1,039,000 | 4,452 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $351,000 | 3,636 |
| Income before extraordinary items | $688,000 | 5,038 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $688,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,467 |
| Cash dividends | $400,000 | 3,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $688,000 | 4,852 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,219,000 | 5,390 |
| Total interest expense | $865,000 | 4,692 |
| Net interest income | $1,354,000 | 5,656 |
| Provision for loan and lease losses | $20,000 | 6,304 |
| Total noninterest income | $350,000 | 4,590 |
| Gross Fiduciary activities income | $1,000 | 1,488 |
| Service charges on deposit accounts | $149,000 | 4,309 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $200,000 | 4,036 |
| Total noninterest expense | $1,005,000 | 5,966 |
| Salaries and employee benefits | $556,000 | 5,866 |
| Premises and equipment expense | $123,000 | 6,193 |
| Additional noninterest expense | $326,000 | 5,704 |
| Pre-tax net operating income | $679,000 | 4,509 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $227,000 | 3,717 |
| Income before extraordinary items | $452,000 | 5,080 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $452,000 | 5,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $452,000 | 4,877 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,109,000 | 5,406 |
| Total interest expense | $446,000 | 4,694 |
| Net interest income | $663,000 | 5,712 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $163,000 | 4,677 |
| Gross Fiduciary activities income | $1,000 | 1,409 |
| Service charges on deposit accounts | $68,000 | 4,446 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $94,000 | 4,045 |
| Total noninterest expense | $497,000 | 6,014 |
| Salaries and employee benefits | $274,000 | 5,929 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $161,000 | 5,702 |
| Pre-tax net operating income | $308,000 | 4,726 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $104,000 | 3,866 |
| Income before extraordinary items | $204,000 | 5,283 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $204,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $200,000 | 2,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $204,000 | 5,091 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 5,294 |
| Total interest expense | $1,848,000 | 5,075 |
| Net interest income | $2,987,000 | 5,302 |
| Provision for loan and lease losses | $587,000 | 2,113 |
| Total noninterest income | $579,000 | 4,828 |
| Gross Fiduciary activities income | $3,000 | 1,565 |
| Service charges on deposit accounts | $305,000 | 4,190 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $271,000 | 4,480 |
| Total noninterest expense | $2,001,000 | 5,866 |
| Salaries and employee benefits | $1,079,000 | 5,868 |
| Premises and equipment expense | $296,000 | 5,632 |
| Additional noninterest expense | $626,000 | 5,784 |
| Pre-tax net operating income | $978,000 | 5,264 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $328,000 | 4,288 |
| Income before extraordinary items | $650,000 | 5,756 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $650,000 | 5,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,597 |
| Cash dividends | $208,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $-278,000 | 9,278 |
| Net operating income | $650,000 | 5,617 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,792,000 | 5,090 |
| Total interest expense | $2,932,000 | 4,819 |
| Net interest income | $2,860,000 | 5,248 |
| Provision for loan and lease losses | $132,000 | 5,025 |
| Total noninterest income | $537,000 | 4,871 |
| Gross Fiduciary activities income | $6,000 | 1,512 |
| Service charges on deposit accounts | $307,000 | 4,106 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $224,000 | 4,704 |
| Total noninterest expense | $1,981,000 | 5,765 |
| Salaries and employee benefits | $1,048,000 | 5,826 |
| Premises and equipment expense | $318,000 | 5,341 |
| Additional noninterest expense | $615,000 | 5,744 |
| Pre-tax net operating income | $1,284,000 | 4,261 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $434,000 | 3,576 |
| Income before extraordinary items | $850,000 | 4,721 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $850,000 | 4,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,575 |
| Cash dividends | $417,000 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $850,000 | 4,605 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,008,000 | 5,078 |
| Total interest expense | $2,962,000 | 4,967 |
| Net interest income | $3,046,000 | 5,104 |
| Provision for loan and lease losses | $99,000 | 5,366 |
| Total noninterest income | $440,000 | 5,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,422 |
| Total noninterest expense | $2,044,000 | 5,599 |
| Salaries and employee benefits | $1,056,000 | 5,710 |
| Premises and equipment expense | $355,000 | 4,888 |
| Additional noninterest expense | $633,000 | 5,569 |
| Pre-tax net operating income | $1,343,000 | 4,403 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $456,000 | 3,698 |
| Income before extraordinary items | $887,000 | 4,729 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $887,000 | 4,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,142 |
| Cash dividends | $214,000 | 5,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $887,000 | 4,728 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,809,000 | 5,057 |
| Total interest expense | $2,929,000 | 4,690 |
| Net interest income | $2,880,000 | 5,320 |
| Provision for loan and lease losses | $170,000 | 3,962 |
| Total noninterest income | $446,000 | 5,301 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $280,000 | 4,180 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,360 |
| Total noninterest expense | $1,798,000 | 6,087 |
| Salaries and employee benefits | $962,000 | 6,036 |
| Premises and equipment expense | $232,000 | 6,305 |
| Additional noninterest expense | $604,000 | 5,799 |
| Pre-tax net operating income | $1,358,000 | 4,393 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $460,000 | 3,802 |
| Income before extraordinary items | $898,000 | 4,752 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $898,000 | 4,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,405 |
| Cash dividends | $22,000 | 6,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $898,000 | 4,709 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,549,000 | 5,268 |
| Total interest expense | $2,818,000 | 4,944 |
| Net interest income | $2,731,000 | 5,511 |
| Provision for loan and lease losses | $164,000 | 3,980 |
| Total noninterest income | $444,000 | 5,299 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $284,000 | 4,097 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,504 |
| Total noninterest expense | $1,669,000 | 6,288 |
| Salaries and employee benefits | $878,000 | 6,314 |
| Premises and equipment expense | $241,000 | 6,084 |
| Additional noninterest expense | $550,000 | 6,089 |
| Pre-tax net operating income | $1,342,000 | 4,521 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $452,000 | 4,115 |
| Income before extraordinary items | $890,000 | 4,868 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $890,000 | 4,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,584 |
| Cash dividends | $154,000 | 5,743 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 726 |
| Net operating income | $890,000 | 4,764 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,652,000 | 6,086 |
| Total interest expense | $2,245,000 | 5,801 |
| Net interest income | $2,407,000 | 6,207 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $249,000 | 7,229 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 8,993 |
| Total noninterest expense | $1,463,000 | 6,886 |
| Salaries and employee benefits | $794,000 | 6,821 |
| Premises and equipment expense | $215,000 | 6,570 |
| Additional noninterest expense | $454,000 | 6,890 |
| Pre-tax net operating income | $1,165,000 | 5,337 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $382,000 | 5,024 |
| Income before extraordinary items | $783,000 | 5,529 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $783,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,092 |
| Cash dividends | $360,000 | 4,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $783,000 | 5,481 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,855,000 | 7,002 |
| Total interest expense | $1,782,000 | 6,881 |
| Net interest income | $2,073,000 | 7,002 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $198,000 | 8,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 6,268 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 9,496 |
| Total noninterest expense | $1,175,000 | 8,055 |
| Salaries and employee benefits | $656,000 | 7,812 |
| Premises and equipment expense | $179,000 | 7,451 |
| Additional noninterest expense | $340,000 | 8,455 |
| Pre-tax net operating income | $1,096,000 | 5,421 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $368,000 | 5,153 |
| Income before extraordinary items | $728,000 | 5,634 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $728,000 | 5,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $360,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $728,000 | 5,579 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,582,000 | 7,446 |
| Total interest expense | $1,599,000 | 7,418 |
| Net interest income | $1,983,000 | 7,355 |
| Provision for loan and lease losses | $-1,000 | 11,338 |
| Total noninterest income | $182,000 | 8,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $162,000 | 6,407 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,891 |
| Total noninterest expense | $1,109,000 | 8,542 |
| Salaries and employee benefits | $615,000 | 8,262 |
| Premises and equipment expense | $155,000 | 8,146 |
| Additional noninterest expense | $339,000 | 8,807 |
| Pre-tax net operating income | $1,057,000 | 5,760 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $354,000 | 5,391 |
| Income before extraordinary items | $703,000 | 5,974 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $703,000 | 5,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $375,000 | 4,026 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $703,000 | 5,959 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,977,000 | 8,093 |
| Total interest expense | $1,214,000 | 7,842 |
| Net interest income | $1,763,000 | 8,140 |
| Provision for loan and lease losses | $-1,000 | 11,674 |
| Total noninterest income | $192,000 | 8,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,508 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 11,111 |
| Total noninterest expense | $1,139,000 | 8,840 |
| Salaries and employee benefits | $578,000 | 8,771 |
| Premises and equipment expense | $158,000 | 8,341 |
| Additional noninterest expense | $403,000 | 8,800 |
| Pre-tax net operating income | $817,000 | 6,793 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $272,000 | 6,230 |
| Income before extraordinary items | $545,000 | 6,951 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $545,000 | 6,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 11,116 |
| Cash dividends | $360,000 | 3,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $545,000 | 7,003 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,010,000 | 8,324 |
| Total interest expense | $1,197,000 | 8,260 |
| Net interest income | $1,813,000 | 8,215 |
| Provision for loan and lease losses | $-5,000 | 12,459 |
| Total noninterest income | $212,000 | 8,992 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 11,102 |
| Total noninterest expense | $1,174,000 | 8,991 |
| Salaries and employee benefits | $598,000 | 8,818 |
| Premises and equipment expense | $167,000 | 8,450 |
| Additional noninterest expense | $409,000 | 9,165 |
| Pre-tax net operating income | $856,000 | 6,544 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $289,000 | 6,213 |
| Income before extraordinary items | $567,000 | 7,032 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $567,000 | 7,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 11,387 |
| Cash dividends | $240,000 | 4,974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $567,000 | 6,770 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,325,000 | 8,437 |
| Total interest expense | $1,551,000 | 8,363 |
| Net interest income | $1,774,000 | 8,421 |
| Provision for loan and lease losses | $81,000 | 7,858 |
| Total noninterest income | $232,000 | 8,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $207,000 | 5,857 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 12,163 |
| Total noninterest expense | $1,169,000 | 9,185 |
| Salaries and employee benefits | $603,000 | 8,780 |
| Premises and equipment expense | $164,000 | 8,734 |
| Additional noninterest expense | $402,000 | 9,542 |
| Pre-tax net operating income | $756,000 | 6,794 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $258,000 | 6,544 |
| Income before extraordinary items | $498,000 | 7,356 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $498,000 | 7,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 7,125 |
| Cash dividends | $180,000 | 5,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $498,000 | 6,967 |
* 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.