Home > The Bank of Georgia > Income and Expense
The Bank of Georgia, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $7,342,000 | 2,428 |
| Total interest expense | $1,346,000 | 1,538 |
| Net interest income | $5,996,000 | 2,612 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $-6,817,000 | 6,267 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $378,000 | 2,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-7,195,000 | 6,276 |
| Total noninterest expense | $5,252,000 | 2,574 |
| Salaries and employee benefits | $977,000 | 4,782 |
| Premises and equipment expense | $688,000 | 2,336 |
| Additional noninterest expense | $3,587,000 | 1,309 |
| Pre-tax net operating income | $-6,073,000 | 6,265 |
| Securities gains (losses) | $613,000 | 259 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $-5,460,000 | 6,258 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,460,000 | 6,259 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-5,460,000 | 6,259 |
| Net charge-offs | $231,000 | 1,415 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $-6,073,000 | 6,259 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $5,060,000 | 2,367 |
| Total interest expense | $926,000 | 1,505 |
| Net interest income | $4,134,000 | 2,534 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $-7,270,000 | 6,345 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $245,000 | 2,143 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-7,515,000 | 6,354 |
| Total noninterest expense | $2,713,000 | 3,104 |
| Salaries and employee benefits | $-170,000 | 6,348 |
| Premises and equipment expense | $452,000 | 2,381 |
| Additional noninterest expense | $2,431,000 | 1,301 |
| Pre-tax net operating income | $-5,849,000 | 6,346 |
| Securities gains (losses) | $612,000 | 217 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $-5,237,000 | 6,338 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-5,237,000 | 6,337 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $-5,237,000 | 6,337 |
| Net charge-offs | $169,000 | 1,304 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $-5,849,000 | 6,338 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,600,000 | 2,306 |
| Total interest expense | $469,000 | 1,478 |
| Net interest income | $2,131,000 | 2,462 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $-5,349,000 | 6,416 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $118,000 | 2,199 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-5,467,000 | 6,424 |
| Total noninterest expense | $345,000 | 5,688 |
| Salaries and employee benefits | $-1,175,000 | 6,419 |
| Premises and equipment expense | $233,000 | 2,367 |
| Additional noninterest expense | $1,287,000 | 1,219 |
| Pre-tax net operating income | $-3,563,000 | 6,415 |
| Securities gains (losses) | $613,000 | 136 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $-2,950,000 | 6,405 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $-2,950,000 | 6,406 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $-2,950,000 | 6,406 |
| Net charge-offs | $16,000 | 2,251 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $-3,563,000 | 6,406 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $10,805,000 | 2,224 |
| Total interest expense | $2,000,000 | 1,482 |
| Net interest income | $8,805,000 | 2,402 |
| Provision for loan and lease losses | $5,856,000 | 190 |
| Total noninterest income | $5,781,000 | 986 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $554,000 | 2,109 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $5,227,000 | 725 |
| Total noninterest expense | $11,622,000 | 1,651 |
| Salaries and employee benefits | $4,398,000 | 2,294 |
| Premises and equipment expense | $946,000 | 2,348 |
| Additional noninterest expense | $6,278,000 | 1,054 |
| Pre-tax net operating income | $-2,892,000 | 6,456 |
| Securities gains (losses) | $507,000 | 390 |
| Applicable income taxes | $2,000 | 4,394 |
| Income before extraordinary items | $-2,387,000 | 6,439 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-2,387,000 | 6,438 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-2,387,000 | 6,438 |
| Net charge-offs | $6,096,000 | 200 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-2,894,000 | 6,452 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $8,068,000 | 2,250 |
| Total interest expense | $1,510,000 | 1,490 |
| Net interest income | $6,558,000 | 2,438 |
| Provision for loan and lease losses | $5,856,000 | 154 |
| Total noninterest income | $6,274,000 | 739 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $400,000 | 2,194 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $5,874,000 | 549 |
| Total noninterest expense | $8,575,000 | 1,680 |
| Salaries and employee benefits | $3,287,000 | 2,312 |
| Premises and equipment expense | $718,000 | 2,350 |
| Additional noninterest expense | $4,570,000 | 1,081 |
| Pre-tax net operating income | $-1,599,000 | 6,513 |
| Securities gains (losses) | $513,000 | 293 |
| Applicable income taxes | $2,000 | 4,434 |
| Income before extraordinary items | $-1,088,000 | 6,488 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,088,000 | 6,487 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $-1,088,000 | 6,487 |
| Net charge-offs | $6,091,000 | 158 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $-1,601,000 | 6,510 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $5,478,000 | 2,211 |
| Total interest expense | $1,009,000 | 1,488 |
| Net interest income | $4,469,000 | 2,370 |
| Provision for loan and lease losses | $5,855,000 | 118 |
| Total noninterest income | $6,564,000 | 528 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $254,000 | 2,242 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $6,310,000 | 374 |
| Total noninterest expense | $5,342,000 | 1,780 |
| Salaries and employee benefits | $2,183,000 | 2,320 |
| Premises and equipment expense | $473,000 | 2,387 |
| Additional noninterest expense | $2,686,000 | 1,201 |
| Pre-tax net operating income | $-164,000 | 6,382 |
| Securities gains (losses) | $34,000 | 1,385 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-130,000 | 6,374 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-130,000 | 6,375 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-130,000 | 6,376 |
| Net charge-offs | $5,737,000 | 127 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-164,000 | 6,379 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,734,000 | 2,213 |
| Total interest expense | $507,000 | 1,495 |
| Net interest income | $2,227,000 | 2,362 |
| Provision for loan and lease losses | $150,000 | 1,189 |
| Total noninterest income | $658,000 | 1,671 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $127,000 | 2,211 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $531,000 | 1,353 |
| Total noninterest expense | $2,400,000 | 1,978 |
| Salaries and employee benefits | $1,070,000 | 2,367 |
| Premises and equipment expense | $228,000 | 2,501 |
| Additional noninterest expense | $1,102,000 | 1,431 |
| Pre-tax net operating income | $335,000 | 3,625 |
| Securities gains (losses) | $34,000 | 774 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $369,000 | 3,169 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $369,000 | 3,170 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $369,000 | 3,171 |
| Net charge-offs | $66,000 | 1,651 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $335,000 | 3,305 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $11,784,000 | 2,088 |
| Total interest expense | $2,379,000 | 1,431 |
| Net interest income | $9,405,000 | 2,223 |
| Provision for loan and lease losses | $450,000 | 1,964 |
| Total noninterest income | $576,000 | 4,192 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $547,000 | 2,230 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $29,000 | 6,115 |
| Total noninterest expense | $10,277,000 | 1,853 |
| Salaries and employee benefits | $4,862,000 | 2,097 |
| Premises and equipment expense | $930,000 | 2,394 |
| Additional noninterest expense | $4,485,000 | 1,474 |
| Pre-tax net operating income | $-746,000 | 6,531 |
| Securities gains (losses) | $157,000 | 1,040 |
| Applicable income taxes | $1,976,000 | 910 |
| Income before extraordinary items | $-2,565,000 | 6,702 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,565,000 | 6,702 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-2,565,000 | 6,702 |
| Net charge-offs | $1,651,000 | 881 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $-2,722,000 | 6,701 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $9,024,000 | 2,058 |
| Total interest expense | $1,823,000 | 1,446 |
| Net interest income | $7,201,000 | 2,175 |
| Provision for loan and lease losses | $450,000 | 1,622 |
| Total noninterest income | $777,000 | 3,191 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $405,000 | 2,259 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $372,000 | 3,421 |
| Total noninterest expense | $7,754,000 | 1,844 |
| Salaries and employee benefits | $3,656,000 | 2,090 |
| Premises and equipment expense | $702,000 | 2,405 |
| Additional noninterest expense | $3,396,000 | 1,457 |
| Pre-tax net operating income | $-226,000 | 6,499 |
| Securities gains (losses) | $94,000 | 1,265 |
| Applicable income taxes | $-150,000 | 6,719 |
| Income before extraordinary items | $18,000 | 6,292 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $18,000 | 6,294 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $18,000 | 6,293 |
| Net charge-offs | $1,501,000 | 739 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-42,160 | 6,365 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $6,137,000 | 2,018 |
| Total interest expense | $1,232,000 | 1,450 |
| Net interest income | $4,905,000 | 2,129 |
| Provision for loan and lease losses | $300,000 | 1,629 |
| Total noninterest income | $617,000 | 2,958 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $259,000 | 2,296 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $358,000 | 2,951 |
| Total noninterest expense | $5,155,000 | 1,853 |
| Salaries and employee benefits | $2,442,000 | 2,101 |
| Premises and equipment expense | $454,000 | 2,470 |
| Additional noninterest expense | $2,259,000 | 1,445 |
| Pre-tax net operating income | $67,000 | 5,988 |
| Securities gains (losses) | $94,000 | 1,150 |
| Applicable income taxes | $-52,000 | 6,705 |
| Income before extraordinary items | $213,000 | 5,189 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $213,000 | 5,191 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $213,000 | 5,192 |
| Net charge-offs | $178,000 | 2,216 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $119,000 | 5,637 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,042,000 | 2,054 |
| Total interest expense | $625,000 | 1,480 |
| Net interest income | $2,417,000 | 2,173 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $339,000 | 2,830 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $128,000 | 2,308 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $211,000 | 2,710 |
| Total noninterest expense | $2,473,000 | 1,932 |
| Salaries and employee benefits | $1,193,000 | 2,166 |
| Premises and equipment expense | $225,000 | 2,520 |
| Additional noninterest expense | $1,055,000 | 1,540 |
| Pre-tax net operating income | $133,000 | 5,004 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-6,000 | 6,721 |
| Income before extraordinary items | $139,000 | 4,839 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $139,000 | 4,840 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $139,000 | 4,841 |
| Net charge-offs | $49,000 | 2,434 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $139,000 | 4,737 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $12,897,000 | 2,029 |
| Total interest expense | $3,208,000 | 1,391 |
| Net interest income | $9,689,000 | 2,223 |
| Provision for loan and lease losses | $1,091,000 | 1,680 |
| Total noninterest income | $747,000 | 3,772 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $613,000 | 2,116 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $134,000 | 5,051 |
| Total noninterest expense | $10,009,000 | 1,912 |
| Salaries and employee benefits | $4,240,000 | 2,329 |
| Premises and equipment expense | $1,003,000 | 2,275 |
| Additional noninterest expense | $4,766,000 | 1,421 |
| Pre-tax net operating income | $-664,000 | 6,557 |
| Securities gains (losses) | $169,000 | 1,838 |
| Applicable income taxes | $-276,000 | 6,824 |
| Income before extraordinary items | $-219,000 | 6,473 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-219,000 | 6,467 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-219,000 | 6,469 |
| Net charge-offs | $1,099,000 | 1,727 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-327,160 | 6,454 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,363,000 | 1,936 |
| Total interest expense | $2,506,000 | 1,400 |
| Net interest income | $7,857,000 | 2,090 |
| Provision for loan and lease losses | $900,000 | 1,552 |
| Total noninterest income | $885,000 | 3,005 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $466,000 | 2,114 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $419,000 | 3,207 |
| Total noninterest expense | $7,688,000 | 1,862 |
| Salaries and employee benefits | $3,151,000 | 2,344 |
| Premises and equipment expense | $782,000 | 2,228 |
| Additional noninterest expense | $3,755,000 | 1,353 |
| Pre-tax net operating income | $154,000 | 5,853 |
| Securities gains (losses) | $21,000 | 2,854 |
| Applicable income taxes | $-49,000 | 6,847 |
| Income before extraordinary items | $224,000 | 5,624 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $224,000 | 5,623 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $224,000 | 5,623 |
| Net charge-offs | $983,000 | 1,487 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $203,000 | 5,530 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,120,000 | 1,883 |
| Total interest expense | $1,759,000 | 1,381 |
| Net interest income | $5,361,000 | 2,058 |
| Provision for loan and lease losses | $600,000 | 1,572 |
| Total noninterest income | $567,000 | 3,021 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $317,000 | 2,064 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $250,000 | 3,341 |
| Total noninterest expense | $5,058,000 | 1,898 |
| Salaries and employee benefits | $2,060,000 | 2,393 |
| Premises and equipment expense | $532,000 | 2,168 |
| Additional noninterest expense | $2,466,000 | 1,379 |
| Pre-tax net operating income | $270,000 | 4,972 |
| Securities gains (losses) | $28,000 | 2,353 |
| Applicable income taxes | $31,000 | 3,812 |
| Income before extraordinary items | $267,000 | 4,970 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $267,000 | 4,973 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $267,000 | 4,973 |
| Net charge-offs | $635,000 | 1,550 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $241,800 | 4,904 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,524,000 | 1,924 |
| Total interest expense | $956,000 | 1,323 |
| Net interest income | $2,568,000 | 2,137 |
| Provision for loan and lease losses | $300,000 | 1,500 |
| Total noninterest income | $548,000 | 2,022 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $152,000 | 2,115 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $396,000 | 1,766 |
| Total noninterest expense | $2,666,000 | 1,804 |
| Salaries and employee benefits | $1,124,000 | 2,221 |
| Premises and equipment expense | $282,000 | 2,084 |
| Additional noninterest expense | $1,260,000 | 1,334 |
| Pre-tax net operating income | $150,000 | 4,931 |
| Securities gains (losses) | $11,000 | 1,753 |
| Applicable income taxes | $-21,000 | 7,032 |
| Income before extraordinary items | $182,000 | 4,526 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $182,000 | 4,529 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $182,000 | 4,529 |
| Net charge-offs | $211,000 | 1,800 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $171,000 | 4,498 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,620,000 | 1,932 |
| Total interest expense | $4,899,000 | 1,234 |
| Net interest income | $9,721,000 | 2,258 |
| Provision for loan and lease losses | $3,387,000 | 1,079 |
| Total noninterest income | $1,003,000 | 3,110 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $674,000 | 2,049 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $329,000 | 3,730 |
| Total noninterest expense | $11,122,000 | 1,745 |
| Salaries and employee benefits | $5,294,000 | 1,842 |
| Premises and equipment expense | $1,230,000 | 2,012 |
| Additional noninterest expense | $4,598,000 | 1,499 |
| Pre-tax net operating income | $-3,785,000 | 6,985 |
| Securities gains (losses) | $67,000 | 2,372 |
| Applicable income taxes | $-215,000 | 6,937 |
| Income before extraordinary items | $-3,503,000 | 6,990 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,503,000 | 6,991 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-3,503,000 | 6,991 |
| Net charge-offs | $5,259,000 | 764 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-3,565,980 | 6,973 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,096,000 | 1,928 |
| Total interest expense | $3,773,000 | 1,258 |
| Net interest income | $7,323,000 | 2,253 |
| Provision for loan and lease losses | $1,551,000 | 1,475 |
| Total noninterest income | $1,123,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $510,000 | 2,035 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $613,000 | 2,393 |
| Total noninterest expense | $8,256,000 | 1,756 |
| Salaries and employee benefits | $3,989,000 | 1,837 |
| Premises and equipment expense | $955,000 | 1,963 |
| Additional noninterest expense | $3,312,000 | 1,542 |
| Pre-tax net operating income | $-1,361,000 | 6,891 |
| Securities gains (losses) | $36,000 | 2,537 |
| Applicable income taxes | $-530,000 | 7,224 |
| Income before extraordinary items | $-795,000 | 6,797 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-795,000 | 6,798 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-795,000 | 6,797 |
| Net charge-offs | $2,284,000 | 1,121 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-818,040 | 6,770 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,480,000 | 1,919 |
| Total interest expense | $2,542,000 | 1,295 |
| Net interest income | $4,938,000 | 2,225 |
| Provision for loan and lease losses | $756,000 | 1,793 |
| Total noninterest income | $816,000 | 2,298 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $334,000 | 2,055 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $482,000 | 2,155 |
| Total noninterest expense | $5,444,000 | 1,791 |
| Salaries and employee benefits | $2,687,000 | 1,828 |
| Premises and equipment expense | $624,000 | 2,022 |
| Additional noninterest expense | $2,133,000 | 1,616 |
| Pre-tax net operating income | $-446,000 | 6,759 |
| Securities gains (losses) | $36,000 | 1,782 |
| Applicable income taxes | $-164,000 | 7,189 |
| Income before extraordinary items | $-246,000 | 6,680 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-246,000 | 6,681 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-246,000 | 6,681 |
| Net charge-offs | $363,000 | 2,472 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-269,040 | 6,675 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 1,938 |
| Total interest expense | $1,290,000 | 1,320 |
| Net interest income | $2,433,000 | 2,250 |
| Provision for loan and lease losses | $671,000 | 1,179 |
| Total noninterest income | $396,000 | 2,360 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $156,000 | 2,143 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $240,000 | 2,208 |
| Total noninterest expense | $2,783,000 | 1,770 |
| Salaries and employee benefits | $1,298,000 | 1,907 |
| Premises and equipment expense | $310,000 | 2,061 |
| Additional noninterest expense | $1,175,000 | 1,483 |
| Pre-tax net operating income | $-625,000 | 7,140 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-250,000 | 7,405 |
| Income before extraordinary items | $-375,000 | 7,053 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-375,000 | 7,053 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-375,000 | 7,053 |
| Net charge-offs | $189,000 | 2,164 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-375,000 | 7,038 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,488,000 | 1,835 |
| Total interest expense | $6,448,000 | 1,287 |
| Net interest income | $10,040,000 | 2,182 |
| Provision for loan and lease losses | $2,966,000 | 1,623 |
| Total noninterest income | $940,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $674,000 | 2,104 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $266,000 | 4,154 |
| Total noninterest expense | $11,302,000 | 1,749 |
| Salaries and employee benefits | $5,530,000 | 1,756 |
| Premises and equipment expense | $1,273,000 | 1,998 |
| Additional noninterest expense | $4,499,000 | 1,600 |
| Pre-tax net operating income | $-3,288,000 | 6,955 |
| Securities gains (losses) | $-5,000 | 6,980 |
| Applicable income taxes | $-848,000 | 7,283 |
| Income before extraordinary items | $-2,445,000 | 6,926 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,445,000 | 6,926 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,445,000 | 6,927 |
| Net charge-offs | $2,927,000 | 1,486 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-2,441,300 | 6,908 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,625,000 | 1,837 |
| Total interest expense | $4,984,000 | 1,294 |
| Net interest income | $7,641,000 | 2,165 |
| Provision for loan and lease losses | $2,233,000 | 1,541 |
| Total noninterest income | $930,000 | 2,873 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $507,000 | 2,148 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $423,000 | 3,033 |
| Total noninterest expense | $8,756,000 | 1,689 |
| Salaries and employee benefits | $4,167,000 | 1,762 |
| Premises and equipment expense | $972,000 | 1,984 |
| Additional noninterest expense | $3,617,000 | 1,464 |
| Pre-tax net operating income | $-2,418,000 | 7,124 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-498,000 | 7,370 |
| Income before extraordinary items | $-1,920,000 | 7,123 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,920,000 | 7,121 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,920,000 | 7,123 |
| Net charge-offs | $1,619,000 | 1,710 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,920,000 | 7,095 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,495,000 | 1,841 |
| Total interest expense | $3,404,000 | 1,315 |
| Net interest income | $5,091,000 | 2,178 |
| Provision for loan and lease losses | $719,000 | 2,338 |
| Total noninterest income | $878,000 | 2,226 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $340,000 | 2,144 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $538,000 | 1,997 |
| Total noninterest expense | $6,062,000 | 1,631 |
| Salaries and employee benefits | $2,792,000 | 1,761 |
| Premises and equipment expense | $647,000 | 2,007 |
| Additional noninterest expense | $2,623,000 | 1,357 |
| Pre-tax net operating income | $-812,000 | 6,914 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-325,000 | 7,410 |
| Income before extraordinary items | $-487,000 | 6,849 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-487,000 | 6,851 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-487,000 | 6,850 |
| Net charge-offs | $781,000 | 1,963 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-487,000 | 6,805 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,345,000 | 1,843 |
| Total interest expense | $1,780,000 | 1,317 |
| Net interest income | $2,565,000 | 2,171 |
| Provision for loan and lease losses | $536,000 | 1,755 |
| Total noninterest income | $404,000 | 2,350 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $157,000 | 2,264 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $247,000 | 2,086 |
| Total noninterest expense | $3,035,000 | 1,652 |
| Salaries and employee benefits | $1,421,000 | 1,761 |
| Premises and equipment expense | $332,000 | 2,024 |
| Additional noninterest expense | $1,282,000 | 1,391 |
| Pre-tax net operating income | $-602,000 | 7,238 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-241,000 | 7,593 |
| Income before extraordinary items | $-361,000 | 7,145 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-361,000 | 7,148 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-361,000 | 7,146 |
| Net charge-offs | $746,000 | 1,266 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-361,000 | 7,114 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $18,355,000 | 1,850 |
| Total interest expense | $10,250,000 | 1,167 |
| Net interest income | $8,105,000 | 2,697 |
| Provision for loan and lease losses | $11,528,000 | 775 |
| Total noninterest income | $-356,000 | 7,861 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $717,000 | 2,205 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-1,073,000 | 7,882 |
| Total noninterest expense | $11,623,000 | 1,759 |
| Salaries and employee benefits | $5,504,000 | 1,801 |
| Premises and equipment expense | $1,306,000 | 2,041 |
| Additional noninterest expense | $4,813,000 | 1,547 |
| Pre-tax net operating income | $-15,402,000 | 7,636 |
| Securities gains (losses) | $-277,000 | 7,478 |
| Applicable income taxes | $-6,157,000 | 7,807 |
| Income before extraordinary items | $-9,522,000 | 7,538 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,522,000 | 7,537 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,522,000 | 7,537 |
| Net charge-offs | $12,655,000 | 568 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,344,720 | 7,536 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,750,000 | 1,886 |
| Total interest expense | $7,928,000 | 1,184 |
| Net interest income | $5,822,000 | 2,812 |
| Provision for loan and lease losses | $9,212,000 | 663 |
| Total noninterest income | $-230,000 | 7,962 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $551,000 | 2,178 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-781,000 | 7,991 |
| Total noninterest expense | $8,495,000 | 1,782 |
| Salaries and employee benefits | $4,241,000 | 1,773 |
| Premises and equipment expense | $1,026,000 | 1,979 |
| Additional noninterest expense | $3,228,000 | 1,677 |
| Pre-tax net operating income | $-12,115,000 | 7,789 |
| Securities gains (losses) | $-277,000 | 7,644 |
| Applicable income taxes | $-4,957,000 | 7,897 |
| Income before extraordinary items | $-7,435,000 | 7,711 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-7,435,000 | 7,710 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-7,435,000 | 7,710 |
| Net charge-offs | $8,379,000 | 579 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-7,257,720 | 7,709 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,201,000 | 1,919 |
| Total interest expense | $5,383,000 | 1,222 |
| Net interest income | $3,818,000 | 2,842 |
| Provision for loan and lease losses | $7,205,000 | 576 |
| Total noninterest income | $673,000 | 2,808 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $362,000 | 2,188 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $311,000 | 2,946 |
| Total noninterest expense | $6,281,000 | 1,643 |
| Salaries and employee benefits | $2,863,000 | 1,780 |
| Premises and equipment expense | $682,000 | 2,016 |
| Additional noninterest expense | $2,736,000 | 1,362 |
| Pre-tax net operating income | $-8,995,000 | 7,898 |
| Securities gains (losses) | $-277,000 | 7,834 |
| Applicable income taxes | $-3,709,000 | 7,999 |
| Income before extraordinary items | $-5,563,000 | 7,830 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-5,563,000 | 7,829 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-5,563,000 | 7,829 |
| Net charge-offs | $4,121,000 | 668 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-5,385,720 | 7,834 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,682,000 | 1,903 |
| Total interest expense | $2,720,000 | 1,257 |
| Net interest income | $1,962,000 | 2,755 |
| Provision for loan and lease losses | $2,309,000 | 677 |
| Total noninterest income | $441,000 | 2,327 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $174,000 | 2,198 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $267,000 | 2,109 |
| Total noninterest expense | $2,569,000 | 1,926 |
| Salaries and employee benefits | $1,460,000 | 1,774 |
| Premises and equipment expense | $330,000 | 2,110 |
| Additional noninterest expense | $779,000 | 2,033 |
| Pre-tax net operating income | $-2,475,000 | 7,893 |
| Securities gains (losses) | $-27,000 | 7,894 |
| Applicable income taxes | $-1,001,000 | 8,007 |
| Income before extraordinary items | $-1,501,000 | 7,831 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,501,000 | 7,832 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,501,000 | 7,832 |
| Net charge-offs | $1,361,000 | 787 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,483,720 | 7,818 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $21,966,000 | 1,754 |
| Total interest expense | $11,729,000 | 1,391 |
| Net interest income | $10,237,000 | 2,177 |
| Provision for loan and lease losses | $6,382,000 | 843 |
| Total noninterest income | $1,068,000 | 3,271 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $743,000 | 2,246 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $325,000 | 3,958 |
| Total noninterest expense | $10,782,000 | 1,805 |
| Salaries and employee benefits | $6,107,000 | 1,673 |
| Premises and equipment expense | $1,292,000 | 2,095 |
| Additional noninterest expense | $3,383,000 | 1,810 |
| Pre-tax net operating income | $-5,859,000 | 7,851 |
| Securities gains (losses) | $72,000 | 1,357 |
| Applicable income taxes | $-2,659,000 | 7,992 |
| Income before extraordinary items | $-3,128,000 | 7,632 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,128,000 | 7,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,903,000 | 1,026 |
| Cash dividends | $200,000 | 4,486 |
| Sale, conversion, retirement of capital stock, net | $1,200,000 | 402 |
| Net operating income | $-3,174,080 | 7,702 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,931,000 | 1,748 |
| Total interest expense | $8,860,000 | 1,437 |
| Net interest income | $8,071,000 | 2,077 |
| Provision for loan and lease losses | $1,996,000 | 1,193 |
| Total noninterest income | $1,356,000 | 2,372 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $531,000 | 2,341 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $825,000 | 2,078 |
| Total noninterest expense | $8,153,000 | 1,775 |
| Salaries and employee benefits | $4,721,000 | 1,649 |
| Premises and equipment expense | $986,000 | 2,070 |
| Additional noninterest expense | $2,446,000 | 1,811 |
| Pre-tax net operating income | $-722,000 | 7,390 |
| Securities gains (losses) | $84,000 | 1,074 |
| Applicable income taxes | $-169,000 | 7,624 |
| Income before extraordinary items | $-469,000 | 7,163 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-469,000 | 7,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,275,000 | 1,123 |
| Cash dividends | $200,000 | 3,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-531,160 | 7,350 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,584,000 | 1,733 |
| Total interest expense | $5,956,000 | 1,482 |
| Net interest income | $5,628,000 | 1,980 |
| Provision for loan and lease losses | $690,000 | 1,551 |
| Total noninterest income | $924,000 | 2,363 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $335,000 | 2,430 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $589,000 | 2,020 |
| Total noninterest expense | $5,387,000 | 1,788 |
| Salaries and employee benefits | $3,204,000 | 1,644 |
| Premises and equipment expense | $639,000 | 2,113 |
| Additional noninterest expense | $1,544,000 | 1,870 |
| Pre-tax net operating income | $475,000 | 4,453 |
| Securities gains (losses) | $6,000 | 2,681 |
| Applicable income taxes | $107,000 | 3,382 |
| Income before extraordinary items | $374,000 | 4,612 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $374,000 | 4,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,449 |
| Cash dividends | $100,000 | 4,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $369,320 | 4,574 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,078,000 | 1,698 |
| Total interest expense | $3,048,000 | 1,539 |
| Net interest income | $3,030,000 | 1,845 |
| Provision for loan and lease losses | $345,000 | 1,266 |
| Total noninterest income | $462,000 | 2,348 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $149,000 | 2,633 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $313,000 | 1,924 |
| Total noninterest expense | $2,759,000 | 1,745 |
| Salaries and employee benefits | $1,636,000 | 1,615 |
| Premises and equipment expense | $311,000 | 2,185 |
| Additional noninterest expense | $812,000 | 1,754 |
| Pre-tax net operating income | $388,000 | 3,607 |
| Securities gains (losses) | $6,000 | 2,176 |
| Applicable income taxes | $104,000 | 2,753 |
| Income before extraordinary items | $290,000 | 3,877 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $290,000 | 3,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,023 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $285,560 | 3,838 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,666,000 | 1,615 |
| Total interest expense | $12,571,000 | 1,599 |
| Net interest income | $14,095,000 | 1,600 |
| Provision for loan and lease losses | $2,297,000 | 756 |
| Total noninterest income | $1,530,000 | 2,672 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $643,000 | 2,540 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $887,000 | 2,404 |
| Total noninterest expense | $9,905,000 | 1,867 |
| Salaries and employee benefits | $6,062,000 | 1,650 |
| Premises and equipment expense | $1,154,000 | 2,250 |
| Additional noninterest expense | $2,689,000 | 2,041 |
| Pre-tax net operating income | $3,423,000 | 2,234 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $980,000 | 1,886 |
| Income before extraordinary items | $2,443,000 | 2,426 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,443,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,130,000 | 939 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,443,000 | 2,414 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,036,000 | 1,608 |
| Total interest expense | $9,325,000 | 1,610 |
| Net interest income | $10,711,000 | 1,593 |
| Provision for loan and lease losses | $728,000 | 1,174 |
| Total noninterest income | $1,311,000 | 2,429 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $472,000 | 2,566 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $839,000 | 2,066 |
| Total noninterest expense | $7,264,000 | 1,888 |
| Salaries and employee benefits | $4,559,000 | 1,656 |
| Premises and equipment expense | $824,000 | 2,340 |
| Additional noninterest expense | $1,881,000 | 2,121 |
| Pre-tax net operating income | $4,030,000 | 1,656 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,331,000 | 1,338 |
| Income before extraordinary items | $2,699,000 | 1,866 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,699,000 | 1,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,741 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,699,000 | 1,855 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,096,000 | 1,657 |
| Total interest expense | $6,097,000 | 1,649 |
| Net interest income | $6,999,000 | 1,645 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $979,000 | 2,277 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $305,000 | 2,615 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $674,000 | 1,832 |
| Total noninterest expense | $4,797,000 | 1,921 |
| Salaries and employee benefits | $3,056,000 | 1,680 |
| Premises and equipment expense | $532,000 | 2,426 |
| Additional noninterest expense | $1,209,000 | 2,197 |
| Pre-tax net operating income | $2,881,000 | 1,610 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $951,000 | 1,317 |
| Income before extraordinary items | $1,930,000 | 1,791 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,930,000 | 1,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,151 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,930,000 | 1,779 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,293,000 | 1,722 |
| Total interest expense | $2,920,000 | 1,701 |
| Net interest income | $3,373,000 | 1,711 |
| Provision for loan and lease losses | $173,000 | 1,301 |
| Total noninterest income | $457,000 | 2,341 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $151,000 | 2,593 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $306,000 | 1,932 |
| Total noninterest expense | $2,330,000 | 1,982 |
| Salaries and employee benefits | $1,467,000 | 1,766 |
| Premises and equipment expense | $252,000 | 2,575 |
| Additional noninterest expense | $611,000 | 2,155 |
| Pre-tax net operating income | $1,327,000 | 1,716 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $441,000 | 1,417 |
| Income before extraordinary items | $886,000 | 1,899 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $886,000 | 1,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,253 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $886,000 | 1,890 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,552,000 | 1,861 |
| Total interest expense | $8,134,000 | 2,015 |
| Net interest income | $13,418,000 | 1,714 |
| Provision for loan and lease losses | $612,000 | 1,581 |
| Total noninterest income | $1,609,000 | 2,582 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $542,000 | 2,897 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,067,000 | 2,125 |
| Total noninterest expense | $8,500,000 | 2,071 |
| Salaries and employee benefits | $5,554,000 | 1,762 |
| Premises and equipment expense | $884,000 | 2,753 |
| Additional noninterest expense | $2,062,000 | 2,507 |
| Pre-tax net operating income | $5,915,000 | 1,633 |
| Securities gains (losses) | $5,000 | 1,264 |
| Applicable income taxes | $1,992,000 | 1,343 |
| Income before extraordinary items | $3,928,000 | 1,818 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,928,000 | 1,820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 2,203 |
| Cash dividends | $100,000 | 5,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,924,700 | 1,796 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,798,000 | 1,898 |
| Total interest expense | $5,818,000 | 2,046 |
| Net interest income | $9,980,000 | 1,745 |
| Provision for loan and lease losses | $379,000 | 1,778 |
| Total noninterest income | $1,257,000 | 2,515 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $367,000 | 3,122 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $890,000 | 1,994 |
| Total noninterest expense | $6,340,000 | 2,081 |
| Salaries and employee benefits | $4,154,000 | 1,765 |
| Premises and equipment expense | $647,000 | 2,826 |
| Additional noninterest expense | $1,539,000 | 2,490 |
| Pre-tax net operating income | $4,518,000 | 1,641 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,456,000 | 1,420 |
| Income before extraordinary items | $3,062,000 | 1,798 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,062,000 | 1,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,698 |
| Cash dividends | $100,000 | 4,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,062,000 | 1,778 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,295,000 | 1,900 |
| Total interest expense | $3,723,000 | 2,018 |
| Net interest income | $6,572,000 | 1,767 |
| Provision for loan and lease losses | $266,000 | 1,674 |
| Total noninterest income | $778,000 | 2,642 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $208,000 | 3,467 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $570,000 | 2,031 |
| Total noninterest expense | $4,138,000 | 2,134 |
| Salaries and employee benefits | $2,700,000 | 1,821 |
| Premises and equipment expense | $427,000 | 2,831 |
| Additional noninterest expense | $1,011,000 | 2,534 |
| Pre-tax net operating income | $2,946,000 | 1,684 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $950,000 | 1,461 |
| Income before extraordinary items | $1,996,000 | 1,840 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,996,000 | 1,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,294 |
| Cash dividends | $100,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,996,000 | 1,820 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,969,000 | 1,921 |
| Total interest expense | $1,743,000 | 2,048 |
| Net interest income | $3,226,000 | 1,791 |
| Provision for loan and lease losses | $153,000 | 1,404 |
| Total noninterest income | $360,000 | 2,720 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $97,000 | 3,541 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $263,000 | 2,134 |
| Total noninterest expense | $2,043,000 | 2,168 |
| Salaries and employee benefits | $1,336,000 | 1,846 |
| Premises and equipment expense | $199,000 | 3,035 |
| Additional noninterest expense | $508,000 | 2,510 |
| Pre-tax net operating income | $1,390,000 | 1,742 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $468,000 | 1,474 |
| Income before extraordinary items | $922,000 | 1,931 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $922,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $922,000 | 1,909 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,797,000 | 1,996 |
| Total interest expense | $5,703,000 | 1,972 |
| Net interest income | $11,094,000 | 2,000 |
| Provision for loan and lease losses | $386,000 | 2,333 |
| Total noninterest income | $1,512,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $341,000 | 3,903 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,171,000 | 2,002 |
| Total noninterest expense | $7,704,000 | 2,166 |
| Salaries and employee benefits | $5,000,000 | 1,858 |
| Premises and equipment expense | $840,000 | 2,764 |
| Additional noninterest expense | $1,864,000 | 2,671 |
| Pre-tax net operating income | $4,516,000 | 2,020 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,459,000 | 1,732 |
| Income before extraordinary items | $3,057,000 | 2,211 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,057,000 | 2,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,813 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,057,000 | 2,182 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,237,000 | 1,991 |
| Total interest expense | $4,080,000 | 1,953 |
| Net interest income | $8,157,000 | 2,023 |
| Provision for loan and lease losses | $290,000 | 2,252 |
| Total noninterest income | $1,074,000 | 2,770 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $253,000 | 3,932 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $821,000 | 2,083 |
| Total noninterest expense | $5,765,000 | 2,145 |
| Salaries and employee benefits | $3,721,000 | 1,858 |
| Premises and equipment expense | $632,000 | 2,743 |
| Additional noninterest expense | $1,412,000 | 2,607 |
| Pre-tax net operating income | $3,176,000 | 2,135 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $984,000 | 1,904 |
| Income before extraordinary items | $2,192,000 | 2,323 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,192,000 | 2,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,359 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,192,000 | 2,285 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,966,000 | 1,989 |
| Total interest expense | $2,579,000 | 1,936 |
| Net interest income | $5,387,000 | 2,019 |
| Provision for loan and lease losses | $193,000 | 2,216 |
| Total noninterest income | $634,000 | 2,974 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $164,000 | 3,942 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $470,000 | 2,280 |
| Total noninterest expense | $3,792,000 | 2,153 |
| Salaries and employee benefits | $2,414,000 | 1,893 |
| Premises and equipment expense | $421,000 | 2,711 |
| Additional noninterest expense | $957,000 | 2,546 |
| Pre-tax net operating income | $2,036,000 | 2,156 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $624,000 | 1,942 |
| Income before extraordinary items | $1,412,000 | 2,331 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,412,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,412,000 | 2,303 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 1,971 |
| Total interest expense | $1,216,000 | 1,948 |
| Net interest income | $2,734,000 | 1,967 |
| Provision for loan and lease losses | $97,000 | 2,118 |
| Total noninterest income | $276,000 | 3,240 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $71,000 | 4,223 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $205,000 | 2,446 |
| Total noninterest expense | $1,890,000 | 2,186 |
| Salaries and employee benefits | $1,202,000 | 1,904 |
| Premises and equipment expense | $210,000 | 2,749 |
| Additional noninterest expense | $478,000 | 2,541 |
| Pre-tax net operating income | $1,023,000 | 2,129 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $320,000 | 1,889 |
| Income before extraordinary items | $703,000 | 2,322 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $703,000 | 2,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $703,000 | 2,280 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,502,000 | 2,123 |
| Total interest expense | $4,177,000 | 1,954 |
| Net interest income | $9,325,000 | 2,185 |
| Provision for loan and lease losses | $585,000 | 1,707 |
| Total noninterest income | $733,000 | 4,281 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $311,000 | 4,239 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $422,000 | 3,619 |
| Total noninterest expense | $6,511,000 | 2,449 |
| Salaries and employee benefits | $3,983,000 | 2,182 |
| Premises and equipment expense | $751,000 | 2,946 |
| Additional noninterest expense | $1,777,000 | 2,674 |
| Pre-tax net operating income | $2,962,000 | 2,618 |
| Securities gains (losses) | $-51,000 | 8,599 |
| Applicable income taxes | $889,000 | 2,361 |
| Income before extraordinary items | $2,022,000 | 2,887 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,022,000 | 2,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,315 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $8,500,000 | 137 |
| Net operating income | $2,057,190 | 2,778 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,721,000 | 2,192 |
| Total interest expense | $3,107,000 | 1,924 |
| Net interest income | $6,614,000 | 2,278 |
| Provision for loan and lease losses | $430,000 | 1,671 |
| Total noninterest income | $430,000 | 4,954 |
| 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 | $199,000 | 4,514 |
| Total noninterest expense | $4,533,000 | 2,584 |
| Salaries and employee benefits | $2,706,000 | 2,396 |
| Premises and equipment expense | $542,000 | 3,038 |
| Additional noninterest expense | $1,285,000 | 2,733 |
| Pre-tax net operating income | $2,081,000 | 2,780 |
| Securities gains (losses) | $17,000 | 2,413 |
| Applicable income taxes | $661,000 | 2,412 |
| Income before extraordinary items | $1,437,000 | 3,063 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,437,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,548 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $8,500,000 | 103 |
| Net operating income | $1,425,440 | 3,018 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,186,000 | 2,268 |
| Total interest expense | $2,048,000 | 1,933 |
| Net interest income | $4,138,000 | 2,416 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $237,000 | 5,418 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $158,000 | 4,210 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $79,000 | 5,623 |
| Total noninterest expense | $2,908,000 | 2,700 |
| Salaries and employee benefits | $1,729,000 | 2,490 |
| Premises and equipment expense | $345,000 | 3,175 |
| Additional noninterest expense | $834,000 | 2,824 |
| Pre-tax net operating income | $1,317,000 | 2,882 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $423,000 | 2,463 |
| Income before extraordinary items | $900,000 | 3,220 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $900,000 | 3,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,817 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 168 |
| Net operating income | $895,920 | 3,143 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,064,000 | 2,291 |
| Total interest expense | $1,037,000 | 1,932 |
| Net interest income | $2,027,000 | 2,464 |
| Provision for loan and lease losses | $80,000 | 2,465 |
| Total noninterest income | $105,000 | 5,670 |
| 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 | $26,000 | 6,361 |
| Total noninterest expense | $1,450,000 | 2,714 |
| Salaries and employee benefits | $879,000 | 2,465 |
| Premises and equipment expense | $164,000 | 3,328 |
| Additional noninterest expense | $407,000 | 2,865 |
| Pre-tax net operating income | $602,000 | 3,072 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $210,000 | 2,492 |
| Income before extraordinary items | $393,000 | 3,561 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $393,000 | 3,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $392,350 | 3,447 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,198,000 | 2,545 |
| Total interest expense | $4,593,000 | 1,940 |
| Net interest income | $6,605,000 | 2,910 |
| Provision for loan and lease losses | $266,000 | 3,435 |
| Total noninterest income | $300,000 | 6,598 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $222,000 | 5,034 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $78,000 | 6,928 |
| Total noninterest expense | $4,626,000 | 3,273 |
| Salaries and employee benefits | $2,615,000 | 3,150 |
| Premises and equipment expense | $570,000 | 3,673 |
| Additional noninterest expense | $1,441,000 | 3,200 |
| Pre-tax net operating income | $2,013,000 | 3,390 |
| Securities gains (losses) | $86,000 | 2,025 |
| Applicable income taxes | $730,000 | 2,711 |
| Income before extraordinary items | $1,369,000 | 3,794 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,369,000 | 3,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 5,982 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 489 |
| Net operating income | $1,313,100 | 3,720 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,207,000 | 2,632 |
| Total interest expense | $3,499,000 | 1,997 |
| Net interest income | $4,708,000 | 3,062 |
| Provision for loan and lease losses | $168,000 | 3,708 |
| Total noninterest income | $214,000 | 6,735 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $160,000 | 5,152 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $54,000 | 7,104 |
| Total noninterest expense | $3,304,000 | 3,400 |
| Salaries and employee benefits | $1,860,000 | 3,293 |
| Premises and equipment expense | $401,000 | 3,850 |
| Additional noninterest expense | $1,043,000 | 3,273 |
| Pre-tax net operating income | $1,450,000 | 3,586 |
| Securities gains (losses) | $86,000 | 1,875 |
| Applicable income taxes | $520,000 | 2,958 |
| Income before extraordinary items | $1,016,000 | 3,946 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,016,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,436 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 365 |
| Net operating income | $959,240 | 3,913 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,337,000 | 2,716 |
| Total interest expense | $2,371,000 | 2,018 |
| Net interest income | $2,966,000 | 3,225 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $200,000 | 6,006 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $99,000 | 5,299 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $101,000 | 5,311 |
| Total noninterest expense | $2,126,000 | 3,499 |
| Salaries and employee benefits | $1,195,000 | 3,368 |
| Premises and equipment expense | $262,000 | 3,895 |
| Additional noninterest expense | $669,000 | 3,372 |
| Pre-tax net operating income | $890,000 | 3,784 |
| Securities gains (losses) | $78,000 | 1,705 |
| Applicable income taxes | $333,000 | 3,047 |
| Income before extraordinary items | $635,000 | 4,130 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $635,000 | 4,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 262 |
| Net operating income | $583,520 | 4,167 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 2,744 |
| Total interest expense | $1,207,000 | 2,042 |
| Net interest income | $1,452,000 | 3,267 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $68,000 | 6,777 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $48,000 | 5,295 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $20,000 | 6,924 |
| Total noninterest expense | $1,080,000 | 3,442 |
| Salaries and employee benefits | $595,000 | 3,393 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $339,000 | 3,282 |
| Pre-tax net operating income | $365,000 | 4,274 |
| Securities gains (losses) | $24,000 | 1,809 |
| Applicable income taxes | $127,000 | 3,521 |
| Income before extraordinary items | $262,000 | 4,603 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $262,000 | 4,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 137 |
| Net operating income | $245,920 | 4,572 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,568,000 | 3,138 |
| Total interest expense | $4,914,000 | 2,283 |
| Net interest income | $4,654,000 | 3,875 |
| Provision for loan and lease losses | $885,000 | 1,508 |
| Total noninterest income | $236,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $168,000 | 5,621 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $68,000 | 7,131 |
| Total noninterest expense | $3,408,000 | 4,055 |
| Salaries and employee benefits | $1,987,000 | 3,757 |
| Premises and equipment expense | $333,000 | 5,244 |
| Additional noninterest expense | $1,088,000 | 3,920 |
| Pre-tax net operating income | $597,000 | 6,432 |
| Securities gains (losses) | $180,000 | 1,243 |
| Applicable income taxes | $218,000 | 4,993 |
| Income before extraordinary items | $559,000 | 6,148 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $559,000 | 6,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 4,008 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $2,600,000 | 248 |
| Net operating income | $429,400 | 6,568 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,776,000 | 4,116 |
| Total interest expense | $4,680,000 | 3,343 |
| Net interest income | $3,096,000 | 4,946 |
| Provision for loan and lease losses | $660,000 | 1,754 |
| Total noninterest income | $147,000 | 7,891 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $108,000 | 6,430 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $39,000 | 8,049 |
| Total noninterest expense | $2,296,000 | 5,250 |
| Salaries and employee benefits | $1,306,000 | 5,016 |
| Premises and equipment expense | $236,000 | 6,262 |
| Additional noninterest expense | $754,000 | 4,996 |
| Pre-tax net operating income | $287,000 | 7,477 |
| Securities gains (losses) | $83,000 | 1,904 |
| Applicable income taxes | $64,000 | 6,472 |
| Income before extraordinary items | $306,000 | 7,097 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $306,000 | 7,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $237,110 | 7,385 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,086,000 | 7,329 |
| Total interest expense | $1,261,000 | 7,671 |
| Net interest income | $1,825,000 | 6,877 |
| Provision for loan and lease losses | $455,000 | 2,034 |
| Total noninterest income | $62,000 | 9,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $40,000 | 7,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 8,890 |
| Total noninterest expense | $1,429,000 | 6,936 |
| Salaries and employee benefits | $779,000 | 6,831 |
| Premises and equipment expense | $143,000 | 7,710 |
| Additional noninterest expense | $507,000 | 6,382 |
| Pre-tax net operating income | $3,000 | 9,107 |
| Securities gains (losses) | $14,000 | 1,057 |
| Applicable income taxes | $3,000 | 8,258 |
| Income before extraordinary items | $14,000 | 9,089 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $14,000 | 9,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $10,945,000 | 55 |
| Net operating income | $2,520 | 9,129 |
* 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.