Home > The Bank of Holland > Income and Expense
The Bank of Holland, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $10,579,000 | 1,768 |
| Total interest expense | $1,278,000 | 1,613 |
| Net interest income | $9,301,000 | 1,785 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $584,000 | 3,499 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $133,000 | 3,921 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $451,000 | 3,049 |
| Total noninterest expense | $4,730,000 | 2,777 |
| Salaries and employee benefits | $2,183,000 | 3,124 |
| Premises and equipment expense | $652,000 | 2,434 |
| Additional noninterest expense | $1,895,000 | 2,318 |
| Pre-tax net operating income | $5,155,000 | 1,244 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $1,394,000 | 1,087 |
| Income before extraordinary items | $3,761,000 | 1,358 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,761,000 | 1,358 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,761,000 | 1,358 |
| Net charge-offs | $-32,000 | 5,478 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $3,761,000 | 1,329 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $16,641,000 | 769 |
| Total interest expense | $2,497,000 | 553 |
| Net interest income | $14,144,000 | 799 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $1,323,000 | 1,775 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $194,000 | 2,552 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,129,000 | 1,427 |
| Total noninterest expense | $10,035,000 | 1,037 |
| Salaries and employee benefits | $3,992,000 | 1,373 |
| Premises and equipment expense | $795,000 | 1,468 |
| Additional noninterest expense | $5,248,000 | 653 |
| Pre-tax net operating income | $5,432,000 | 832 |
| Securities gains (losses) | $444,000 | 277 |
| Applicable income taxes | $391,000 | 1,869 |
| Income before extraordinary items | $5,485,000 | 672 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $5,483,000 | 670 |
| Minority interest net income | $2,000 | 70 |
| Net income of bank and minority interests. | $5,485,000 | 672 |
| Net charge-offs | $-32,000 | 5,610 |
| Cash dividends | $2,500,000 | 589 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $5,072,080 | 701 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $8,058,000 | 799 |
| Total interest expense | $1,292,000 | 536 |
| Net interest income | $6,766,000 | 833 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $673,000 | 1,718 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $98,000 | 2,511 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $575,000 | 1,356 |
| Total noninterest expense | $3,526,000 | 1,385 |
| Salaries and employee benefits | $1,476,000 | 1,793 |
| Premises and equipment expense | $364,000 | 1,616 |
| Additional noninterest expense | $1,686,000 | 950 |
| Pre-tax net operating income | $3,913,000 | 588 |
| Securities gains (losses) | $394,000 | 202 |
| Applicable income taxes | $1,255,000 | 534 |
| Income before extraordinary items | $3,052,000 | 590 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $3,056,000 | 587 |
| Minority interest net income | $-4,000 | 6,403 |
| Net income of bank and minority interests. | $3,052,000 | 590 |
| Net charge-offs | $-22,000 | 5,709 |
| Cash dividends | $1,000,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $2,772,260 | 631 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $31,848,000 | 787 |
| Total interest expense | $5,421,000 | 516 |
| Net interest income | $26,427,000 | 836 |
| Provision for loan and lease losses | $675,000 | 1,163 |
| Total noninterest income | $2,284,000 | 1,925 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $413,000 | 2,623 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,871,000 | 1,545 |
| Total noninterest expense | $13,997,000 | 1,381 |
| Salaries and employee benefits | $5,739,000 | 1,794 |
| Premises and equipment expense | $1,465,000 | 1,600 |
| Additional noninterest expense | $6,793,000 | 962 |
| Pre-tax net operating income | $14,039,000 | 609 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $3,748,000 | 610 |
| Income before extraordinary items | $10,291,000 | 662 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $10,254,000 | 663 |
| Minority interest net income | $37,000 | 60 |
| Net income of bank and minority interests. | $10,291,000 | 662 |
| Net charge-offs | $10,000 | 4,571 |
| Cash dividends | $500,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $10,291,000 | 650 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $23,056,000 | 815 |
| Total interest expense | $4,055,000 | 523 |
| Net interest income | $19,001,000 | 871 |
| Provision for loan and lease losses | $675,000 | 911 |
| Total noninterest income | $1,582,000 | 2,033 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $309,000 | 2,659 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $1,273,000 | 1,643 |
| Total noninterest expense | $10,565,000 | 1,387 |
| Salaries and employee benefits | $4,304,000 | 1,798 |
| Premises and equipment expense | $1,084,000 | 1,633 |
| Additional noninterest expense | $5,177,000 | 936 |
| Pre-tax net operating income | $9,343,000 | 675 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $2,386,000 | 705 |
| Income before extraordinary items | $6,957,000 | 731 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $6,929,000 | 732 |
| Minority interest net income | $28,000 | 61 |
| Net income of bank and minority interests. | $6,957,000 | 730 |
| Net charge-offs | $-41,000 | 5,982 |
| Cash dividends | $500,000 | 2,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $6,957,000 | 717 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $15,183,000 | 823 |
| Total interest expense | $2,658,000 | 543 |
| Net interest income | $12,525,000 | 868 |
| Provision for loan and lease losses | $450,000 | 910 |
| Total noninterest income | $997,000 | 2,095 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $204,000 | 2,662 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $793,000 | 1,708 |
| Total noninterest expense | $7,021,000 | 1,385 |
| Salaries and employee benefits | $2,852,000 | 1,808 |
| Premises and equipment expense | $738,000 | 1,612 |
| Additional noninterest expense | $3,431,000 | 938 |
| Pre-tax net operating income | $6,051,000 | 682 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $1,766,000 | 637 |
| Income before extraordinary items | $4,285,000 | 767 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,267,000 | 767 |
| Minority interest net income | $18,000 | 63 |
| Net income of bank and minority interests. | $4,285,000 | 768 |
| Net charge-offs | $119,000 | 2,029 |
| Cash dividends | $500,000 | 1,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $4,285,000 | 744 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $7,490,000 | 831 |
| Total interest expense | $1,319,000 | 552 |
| Net interest income | $6,171,000 | 885 |
| Provision for loan and lease losses | $225,000 | 909 |
| Total noninterest income | $422,000 | 2,290 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $102,000 | 2,634 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $320,000 | 1,920 |
| Total noninterest expense | $3,486,000 | 1,404 |
| Salaries and employee benefits | $1,393,000 | 1,865 |
| Premises and equipment expense | $376,000 | 1,605 |
| Additional noninterest expense | $1,717,000 | 938 |
| Pre-tax net operating income | $2,882,000 | 697 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $886,000 | 616 |
| Income before extraordinary items | $1,996,000 | 784 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,987,000 | 789 |
| Minority interest net income | $9,000 | 54 |
| Net income of bank and minority interests. | $1,996,000 | 785 |
| Net charge-offs | $215,000 | 903 |
| Cash dividends | $500,000 | 1,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $1,996,000 | 761 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $28,834,000 | 865 |
| Total interest expense | $5,217,000 | 626 |
| Net interest income | $23,617,000 | 907 |
| Provision for loan and lease losses | $1,420,000 | 828 |
| Total noninterest income | $4,305,000 | 1,262 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $402,000 | 2,801 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,903,000 | 957 |
| Total noninterest expense | $14,217,000 | 1,395 |
| Salaries and employee benefits | $5,912,000 | 1,740 |
| Premises and equipment expense | $1,516,000 | 1,563 |
| Additional noninterest expense | $6,789,000 | 1,003 |
| Pre-tax net operating income | $12,285,000 | 638 |
| Securities gains (losses) | $145,000 | 1,089 |
| Applicable income taxes | $3,819,000 | 567 |
| Income before extraordinary items | $8,611,000 | 741 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,574,000 | 745 |
| Minority interest net income | $37,000 | 62 |
| Net income of bank and minority interests. | $8,611,000 | 742 |
| Net charge-offs | $812,000 | 1,473 |
| Cash dividends | $5,000,000 | 558 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $8,510,950 | 726 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $21,425,000 | 880 |
| Total interest expense | $3,860,000 | 657 |
| Net interest income | $17,565,000 | 921 |
| Provision for loan and lease losses | $1,065,000 | 833 |
| Total noninterest income | $3,620,000 | 1,181 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $299,000 | 2,829 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,321,000 | 912 |
| Total noninterest expense | $10,921,000 | 1,366 |
| Salaries and employee benefits | $4,560,000 | 1,702 |
| Premises and equipment expense | $1,129,000 | 1,576 |
| Additional noninterest expense | $5,232,000 | 968 |
| Pre-tax net operating income | $9,199,000 | 658 |
| Securities gains (losses) | $141,000 | 1,011 |
| Applicable income taxes | $2,867,000 | 571 |
| Income before extraordinary items | $6,473,000 | 744 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $6,445,000 | 747 |
| Minority interest net income | $28,000 | 60 |
| Net income of bank and minority interests. | $6,473,000 | 746 |
| Net charge-offs | $559,000 | 1,481 |
| Cash dividends | $4,500,000 | 453 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,375,710 | 731 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $14,131,000 | 885 |
| Total interest expense | $2,580,000 | 690 |
| Net interest income | $11,551,000 | 923 |
| Provision for loan and lease losses | $710,000 | 868 |
| Total noninterest income | $2,580,000 | 1,132 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $195,000 | 2,842 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,385,000 | 865 |
| Total noninterest expense | $7,321,000 | 1,357 |
| Salaries and employee benefits | $3,123,000 | 1,662 |
| Premises and equipment expense | $759,000 | 1,577 |
| Additional noninterest expense | $3,439,000 | 973 |
| Pre-tax net operating income | $6,100,000 | 638 |
| Securities gains (losses) | $141,000 | 914 |
| Applicable income taxes | $1,915,000 | 557 |
| Income before extraordinary items | $4,326,000 | 735 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,308,000 | 736 |
| Minority interest net income | $18,000 | 61 |
| Net income of bank and minority interests. | $4,326,000 | 737 |
| Net charge-offs | $539,000 | 1,200 |
| Cash dividends | $3,000,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $4,228,710 | 711 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $7,037,000 | 897 |
| Total interest expense | $1,316,000 | 701 |
| Net interest income | $5,721,000 | 936 |
| Provision for loan and lease losses | $355,000 | 878 |
| Total noninterest income | $1,316,000 | 1,111 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $98,000 | 2,821 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,218,000 | 855 |
| Total noninterest expense | $3,784,000 | 1,332 |
| Salaries and employee benefits | $1,659,000 | 1,590 |
| Premises and equipment expense | $385,000 | 1,576 |
| Additional noninterest expense | $1,740,000 | 968 |
| Pre-tax net operating income | $2,898,000 | 666 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $880,000 | 591 |
| Income before extraordinary items | $2,018,000 | 773 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $2,009,000 | 777 |
| Minority interest net income | $9,000 | 63 |
| Net income of bank and minority interests. | $2,018,000 | 775 |
| Net charge-offs | $131,000 | 1,690 |
| Cash dividends | $1,500,000 | 384 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $2,018,000 | 735 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $29,143,000 | 899 |
| Total interest expense | $7,448,000 | 564 |
| Net interest income | $21,695,000 | 1,016 |
| Provision for loan and lease losses | $2,200,000 | 992 |
| Total noninterest income | $5,288,000 | 1,110 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $376,000 | 3,062 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $4,912,000 | 824 |
| Total noninterest expense | $14,400,000 | 1,369 |
| Salaries and employee benefits | $6,618,000 | 1,532 |
| Premises and equipment expense | $1,518,000 | 1,556 |
| Additional noninterest expense | $6,264,000 | 1,110 |
| Pre-tax net operating income | $10,383,000 | 690 |
| Securities gains (losses) | $1,037,000 | 500 |
| Applicable income taxes | $3,130,000 | 587 |
| Income before extraordinary items | $8,290,000 | 725 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,252,000 | 725 |
| Minority interest net income | $38,000 | 65 |
| Net income of bank and minority interests. | $8,290,000 | 725 |
| Net charge-offs | $1,106,000 | 1,725 |
| Cash dividends | $7,000,000 | 420 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $7,532,990 | 744 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $21,955,000 | 910 |
| Total interest expense | $5,474,000 | 613 |
| Net interest income | $16,481,000 | 1,006 |
| Provision for loan and lease losses | $1,562,000 | 1,043 |
| Total noninterest income | $3,502,000 | 1,193 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $281,000 | 3,104 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $3,221,000 | 894 |
| Total noninterest expense | $10,594,000 | 1,400 |
| Salaries and employee benefits | $4,738,000 | 1,598 |
| Premises and equipment expense | $1,165,000 | 1,542 |
| Additional noninterest expense | $4,691,000 | 1,092 |
| Pre-tax net operating income | $7,827,000 | 719 |
| Securities gains (losses) | $924,000 | 437 |
| Applicable income taxes | $2,663,000 | 564 |
| Income before extraordinary items | $6,088,000 | 757 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $6,060,000 | 760 |
| Minority interest net income | $28,000 | 65 |
| Net income of bank and minority interests. | $6,088,000 | 757 |
| Net charge-offs | $1,089,000 | 1,372 |
| Cash dividends | $5,500,000 | 340 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $5,441,200 | 776 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $14,600,000 | 916 |
| Total interest expense | $3,759,000 | 615 |
| Net interest income | $10,841,000 | 1,020 |
| Provision for loan and lease losses | $1,175,000 | 971 |
| Total noninterest income | $2,242,000 | 1,224 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $187,000 | 3,083 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,055,000 | 896 |
| Total noninterest expense | $7,008,000 | 1,405 |
| Salaries and employee benefits | $3,105,000 | 1,626 |
| Premises and equipment expense | $781,000 | 1,523 |
| Additional noninterest expense | $3,122,000 | 1,109 |
| Pre-tax net operating income | $4,900,000 | 758 |
| Securities gains (losses) | $924,000 | 302 |
| Applicable income taxes | $1,774,000 | 557 |
| Income before extraordinary items | $4,050,000 | 756 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,031,000 | 758 |
| Minority interest net income | $19,000 | 66 |
| Net income of bank and minority interests. | $4,050,000 | 756 |
| Net charge-offs | $630,000 | 1,559 |
| Cash dividends | $4,000,000 | 301 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $3,403,200 | 831 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $7,320,000 | 920 |
| Total interest expense | $1,999,000 | 594 |
| Net interest income | $5,321,000 | 1,039 |
| Provision for loan and lease losses | $387,000 | 1,284 |
| Total noninterest income | $921,000 | 1,397 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $90,000 | 3,159 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $831,000 | 1,042 |
| Total noninterest expense | $3,535,000 | 1,387 |
| Salaries and employee benefits | $1,590,000 | 1,590 |
| Premises and equipment expense | $399,000 | 1,489 |
| Additional noninterest expense | $1,546,000 | 1,098 |
| Pre-tax net operating income | $2,320,000 | 789 |
| Securities gains (losses) | $331,000 | 408 |
| Applicable income taxes | $803,000 | 595 |
| Income before extraordinary items | $1,848,000 | 810 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,838,000 | 816 |
| Minority interest net income | $10,000 | 60 |
| Net income of bank and minority interests. | $1,848,000 | 811 |
| Net charge-offs | $374,000 | 1,290 |
| Cash dividends | $2,500,000 | 218 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $1,616,300 | 875 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $30,695,000 | 910 |
| Total interest expense | $9,355,000 | 620 |
| Net interest income | $21,340,000 | 1,032 |
| Provision for loan and lease losses | $2,550,000 | 1,324 |
| Total noninterest income | $3,326,000 | 1,388 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $362,000 | 3,222 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,964,000 | 1,049 |
| Total noninterest expense | $13,292,000 | 1,452 |
| Salaries and employee benefits | $5,715,000 | 1,695 |
| Premises and equipment expense | $1,517,000 | 1,638 |
| Additional noninterest expense | $6,060,000 | 1,159 |
| Pre-tax net operating income | $8,824,000 | 699 |
| Securities gains (losses) | $306,000 | 1,120 |
| Applicable income taxes | $1,876,000 | 842 |
| Income before extraordinary items | $7,254,000 | 702 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,216,000 | 705 |
| Minority interest net income | $38,000 | 67 |
| Net income of bank and minority interests. | $7,254,000 | 702 |
| Net charge-offs | $2,064,000 | 1,517 |
| Cash dividends | $6,000,000 | 357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $7,012,260 | 688 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $23,175,000 | 922 |
| Total interest expense | $7,194,000 | 629 |
| Net interest income | $15,981,000 | 1,041 |
| Provision for loan and lease losses | $1,950,000 | 1,263 |
| Total noninterest income | $2,330,000 | 1,444 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $269,000 | 3,244 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,061,000 | 1,095 |
| Total noninterest expense | $9,314,000 | 1,572 |
| Salaries and employee benefits | $4,064,000 | 1,804 |
| Premises and equipment expense | $1,123,000 | 1,681 |
| Additional noninterest expense | $4,127,000 | 1,252 |
| Pre-tax net operating income | $7,047,000 | 680 |
| Securities gains (losses) | $75,000 | 2,024 |
| Applicable income taxes | $2,137,000 | 589 |
| Income before extraordinary items | $4,985,000 | 776 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,956,000 | 777 |
| Minority interest net income | $29,000 | 63 |
| Net income of bank and minority interests. | $4,985,000 | 776 |
| Net charge-offs | $1,472,000 | 1,510 |
| Cash dividends | $6,000,000 | 244 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $4,932,500 | 748 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $15,409,000 | 936 |
| Total interest expense | $4,893,000 | 644 |
| Net interest income | $10,516,000 | 1,058 |
| Provision for loan and lease losses | $1,350,000 | 1,227 |
| Total noninterest income | $1,559,000 | 1,433 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $174,000 | 3,286 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,385,000 | 1,078 |
| Total noninterest expense | $6,182,000 | 1,591 |
| Salaries and employee benefits | $2,775,000 | 1,767 |
| Premises and equipment expense | $742,000 | 1,707 |
| Additional noninterest expense | $2,665,000 | 1,321 |
| Pre-tax net operating income | $4,543,000 | 688 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,355,000 | 586 |
| Income before extraordinary items | $3,188,000 | 785 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,169,000 | 787 |
| Minority interest net income | $19,000 | 69 |
| Net income of bank and minority interests. | $3,188,000 | 785 |
| Net charge-offs | $1,225,000 | 1,298 |
| Cash dividends | $4,500,000 | 211 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $3,188,000 | 754 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $7,626,000 | 955 |
| Total interest expense | $2,544,000 | 639 |
| Net interest income | $5,082,000 | 1,089 |
| Provision for loan and lease losses | $750,000 | 1,063 |
| Total noninterest income | $985,000 | 1,226 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $81,000 | 3,410 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $904,000 | 886 |
| Total noninterest expense | $3,169,000 | 1,554 |
| Salaries and employee benefits | $1,493,000 | 1,668 |
| Premises and equipment expense | $370,000 | 1,742 |
| Additional noninterest expense | $1,306,000 | 1,348 |
| Pre-tax net operating income | $2,148,000 | 736 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $635,000 | 607 |
| Income before extraordinary items | $1,513,000 | 821 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,503,000 | 822 |
| Minority interest net income | $10,000 | 70 |
| Net income of bank and minority interests. | $1,513,000 | 821 |
| Net charge-offs | $828,000 | 967 |
| Cash dividends | $3,000,000 | 138 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,513,000 | 805 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $30,353,000 | 1,008 |
| Total interest expense | $11,405,000 | 701 |
| Net interest income | $18,948,000 | 1,187 |
| Provision for loan and lease losses | $3,755,000 | 1,394 |
| Total noninterest income | $3,877,000 | 1,298 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $333,000 | 3,438 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,544,000 | 945 |
| Total noninterest expense | $11,328,000 | 1,743 |
| Salaries and employee benefits | $5,357,000 | 1,806 |
| Premises and equipment expense | $1,403,000 | 1,832 |
| Additional noninterest expense | $4,568,000 | 1,579 |
| Pre-tax net operating income | $7,742,000 | 692 |
| Securities gains (losses) | $927,000 | 527 |
| Applicable income taxes | $2,539,000 | 605 |
| Income before extraordinary items | $6,130,000 | 729 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,091,000 | 731 |
| Minority interest net income | $39,000 | 77 |
| Net income of bank and minority interests. | $6,130,000 | 730 |
| Net charge-offs | $2,557,000 | 1,608 |
| Cash dividends | $3,400,000 | 485 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $5,471,830 | 764 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $22,586,000 | 1,034 |
| Total interest expense | $8,590,000 | 729 |
| Net interest income | $13,996,000 | 1,216 |
| Provision for loan and lease losses | $2,635,000 | 1,387 |
| Total noninterest income | $2,477,000 | 1,436 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $249,000 | 3,500 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,228,000 | 1,024 |
| Total noninterest expense | $8,043,000 | 1,821 |
| Salaries and employee benefits | $3,684,000 | 1,968 |
| Premises and equipment expense | $1,035,000 | 1,881 |
| Additional noninterest expense | $3,324,000 | 1,599 |
| Pre-tax net operating income | $5,795,000 | 720 |
| Securities gains (losses) | $514,000 | 720 |
| Applicable income taxes | $1,838,000 | 632 |
| Income before extraordinary items | $4,471,000 | 778 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $4,441,000 | 779 |
| Minority interest net income | $30,000 | 81 |
| Net income of bank and minority interests. | $4,471,000 | 778 |
| Net charge-offs | $1,730,000 | 1,648 |
| Cash dividends | $3,400,000 | 316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $4,106,060 | 799 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $14,824,000 | 1,061 |
| Total interest expense | $5,711,000 | 758 |
| Net interest income | $9,113,000 | 1,251 |
| Provision for loan and lease losses | $1,080,000 | 1,865 |
| Total noninterest income | $1,284,000 | 1,686 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $166,000 | 3,514 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,118,000 | 1,194 |
| Total noninterest expense | $5,293,000 | 1,855 |
| Salaries and employee benefits | $2,410,000 | 2,014 |
| Premises and equipment expense | $689,000 | 1,895 |
| Additional noninterest expense | $2,194,000 | 1,600 |
| Pre-tax net operating income | $4,024,000 | 693 |
| Securities gains (losses) | $214,000 | 917 |
| Applicable income taxes | $1,239,000 | 594 |
| Income before extraordinary items | $2,999,000 | 749 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,979,000 | 749 |
| Minority interest net income | $20,000 | 78 |
| Net income of bank and minority interests. | $2,999,000 | 749 |
| Net charge-offs | $783,000 | 1,959 |
| Cash dividends | $3,400,000 | 212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $2,847,060 | 761 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,405,000 | 1,084 |
| Total interest expense | $2,905,000 | 788 |
| Net interest income | $4,500,000 | 1,278 |
| Provision for loan and lease losses | $540,000 | 1,750 |
| Total noninterest income | $651,000 | 1,686 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $84,000 | 3,502 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $567,000 | 1,178 |
| Total noninterest expense | $2,503,000 | 1,976 |
| Salaries and employee benefits | $1,103,000 | 2,234 |
| Premises and equipment expense | $364,000 | 1,853 |
| Additional noninterest expense | $1,036,000 | 1,694 |
| Pre-tax net operating income | $2,108,000 | 643 |
| Securities gains (losses) | $47,000 | 1,172 |
| Applicable income taxes | $633,000 | 573 |
| Income before extraordinary items | $1,522,000 | 730 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,512,000 | 739 |
| Minority interest net income | $10,000 | 69 |
| Net income of bank and minority interests. | $1,522,000 | 734 |
| Net charge-offs | $150,000 | 2,719 |
| Cash dividends | $2,000,000 | 170 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,488,630 | 719 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $30,191,000 | 1,132 |
| Total interest expense | $14,360,000 | 811 |
| Net interest income | $15,831,000 | 1,401 |
| Provision for loan and lease losses | $1,678,000 | 2,713 |
| Total noninterest income | $2,866,000 | 1,670 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $322,000 | 3,754 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,544,000 | 1,161 |
| Total noninterest expense | $10,156,000 | 1,992 |
| Salaries and employee benefits | $4,413,000 | 2,230 |
| Premises and equipment expense | $1,488,000 | 1,823 |
| Additional noninterest expense | $4,255,000 | 1,756 |
| Pre-tax net operating income | $6,863,000 | 626 |
| Securities gains (losses) | $1,099,000 | 458 |
| Applicable income taxes | $2,348,000 | 499 |
| Income before extraordinary items | $5,614,000 | 598 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,574,000 | 603 |
| Minority interest net income | $40,000 | 74 |
| Net income of bank and minority interests. | $5,614,000 | 599 |
| Net charge-offs | $1,000,000 | 2,862 |
| Cash dividends | $1,000,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $4,833,710 | 704 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $22,628,000 | 1,157 |
| Total interest expense | $11,032,000 | 839 |
| Net interest income | $11,596,000 | 1,439 |
| Provision for loan and lease losses | $1,378,000 | 2,335 |
| Total noninterest income | $2,260,000 | 1,624 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $239,000 | 3,785 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,021,000 | 1,137 |
| Total noninterest expense | $7,762,000 | 1,936 |
| Salaries and employee benefits | $3,420,000 | 2,174 |
| Premises and equipment expense | $1,117,000 | 1,834 |
| Additional noninterest expense | $3,225,000 | 1,679 |
| Pre-tax net operating income | $4,716,000 | 720 |
| Securities gains (losses) | $884,000 | 428 |
| Applicable income taxes | $1,662,000 | 546 |
| Income before extraordinary items | $3,938,000 | 686 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $3,908,000 | 690 |
| Minority interest net income | $30,000 | 84 |
| Net income of bank and minority interests. | $3,938,000 | 688 |
| Net charge-offs | $866,000 | 2,365 |
| Cash dividends | $1,000,000 | 1,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,319,200 | 809 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $15,006,000 | 1,184 |
| Total interest expense | $7,401,000 | 875 |
| Net interest income | $7,605,000 | 1,470 |
| Provision for loan and lease losses | $828,000 | 2,290 |
| Total noninterest income | $1,730,000 | 1,487 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $159,000 | 3,768 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,571,000 | 1,054 |
| Total noninterest expense | $5,486,000 | 1,877 |
| Salaries and employee benefits | $2,519,000 | 1,999 |
| Premises and equipment expense | $750,000 | 1,843 |
| Additional noninterest expense | $2,217,000 | 1,641 |
| Pre-tax net operating income | $3,021,000 | 773 |
| Securities gains (losses) | $884,000 | 322 |
| Applicable income taxes | $1,202,000 | 526 |
| Income before extraordinary items | $2,703,000 | 676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,683,000 | 676 |
| Minority interest net income | $20,000 | 84 |
| Net income of bank and minority interests. | $2,703,000 | 677 |
| Net charge-offs | $361,000 | 2,718 |
| Cash dividends | $1,000,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,093,040 | 870 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,550,000 | 1,194 |
| Total interest expense | $3,790,000 | 897 |
| Net interest income | $3,760,000 | 1,483 |
| Provision for loan and lease losses | $533,000 | 1,719 |
| Total noninterest income | $729,000 | 1,652 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $81,000 | 3,683 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $648,000 | 1,176 |
| Total noninterest expense | $2,693,000 | 1,850 |
| Salaries and employee benefits | $1,325,000 | 1,944 |
| Premises and equipment expense | $376,000 | 1,877 |
| Additional noninterest expense | $992,000 | 1,629 |
| Pre-tax net operating income | $1,263,000 | 1,007 |
| Securities gains (losses) | $855,000 | 211 |
| Applicable income taxes | $686,000 | 479 |
| Income before extraordinary items | $1,432,000 | 724 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,422,000 | 728 |
| Minority interest net income | $10,000 | 78 |
| Net income of bank and minority interests. | $1,432,000 | 726 |
| Net charge-offs | $114,000 | 2,733 |
| Cash dividends | $1,000,000 | 426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $850,600 | 1,221 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $32,243,000 | 1,185 |
| Total interest expense | $17,867,000 | 897 |
| Net interest income | $14,376,000 | 1,557 |
| Provision for loan and lease losses | $1,300,000 | 2,331 |
| Total noninterest income | $1,742,000 | 2,370 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $299,000 | 4,018 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,443,000 | 1,640 |
| Total noninterest expense | $8,338,000 | 2,298 |
| Salaries and employee benefits | $3,542,000 | 2,794 |
| Premises and equipment expense | $1,395,000 | 1,958 |
| Additional noninterest expense | $3,401,000 | 1,799 |
| Pre-tax net operating income | $6,480,000 | 860 |
| Securities gains (losses) | $458,000 | 409 |
| Applicable income taxes | $2,238,000 | 614 |
| Income before extraordinary items | $4,700,000 | 863 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,700,000 | 863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $552,000 | 2,662 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,388,560 | 1,006 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $24,339,000 | 1,202 |
| Total interest expense | $13,715,000 | 908 |
| Net interest income | $10,624,000 | 1,588 |
| Provision for loan and lease losses | $975,000 | 1,855 |
| Total noninterest income | $1,307,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $216,000 | 4,109 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,091,000 | 1,698 |
| Total noninterest expense | $6,207,000 | 2,307 |
| Salaries and employee benefits | $2,646,000 | 2,822 |
| Premises and equipment expense | $1,040,000 | 1,964 |
| Additional noninterest expense | $2,521,000 | 1,761 |
| Pre-tax net operating income | $4,749,000 | 1,068 |
| Securities gains (losses) | $458,000 | 339 |
| Applicable income taxes | $1,680,000 | 753 |
| Income before extraordinary items | $3,527,000 | 1,043 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,527,000 | 1,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 1,935 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,215,560 | 1,220 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $16,253,000 | 1,218 |
| Total interest expense | $9,318,000 | 923 |
| Net interest income | $6,935,000 | 1,619 |
| Provision for loan and lease losses | $650,000 | 1,606 |
| Total noninterest income | $1,081,000 | 2,116 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $147,000 | 4,086 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $934,000 | 1,472 |
| Total noninterest expense | $4,260,000 | 2,243 |
| Salaries and employee benefits | $1,870,000 | 2,727 |
| Premises and equipment expense | $694,000 | 1,955 |
| Additional noninterest expense | $1,696,000 | 1,727 |
| Pre-tax net operating income | $3,106,000 | 1,137 |
| Securities gains (losses) | $292,000 | 456 |
| Applicable income taxes | $1,095,000 | 872 |
| Income before extraordinary items | $2,303,000 | 1,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,303,000 | 1,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $266,000 | 1,914 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,104,440 | 1,282 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,190,000 | 1,232 |
| Total interest expense | $4,860,000 | 937 |
| Net interest income | $3,330,000 | 1,671 |
| Provision for loan and lease losses | $325,000 | 1,299 |
| Total noninterest income | $637,000 | 1,868 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $75,000 | 4,016 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $562,000 | 1,296 |
| Total noninterest expense | $2,224,000 | 2,153 |
| Salaries and employee benefits | $985,000 | 2,619 |
| Premises and equipment expense | $354,000 | 1,922 |
| Additional noninterest expense | $885,000 | 1,615 |
| Pre-tax net operating income | $1,418,000 | 1,330 |
| Securities gains (losses) | $286,000 | 343 |
| Applicable income taxes | $548,000 | 932 |
| Income before extraordinary items | $1,156,000 | 1,305 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,156,000 | 1,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 1,484 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $961,520 | 1,503 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $31,910,000 | 1,339 |
| Total interest expense | $18,792,000 | 1,043 |
| Net interest income | $13,118,000 | 1,728 |
| Provision for loan and lease losses | $404,000 | 2,683 |
| Total noninterest income | $1,563,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $249,000 | 4,463 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,314,000 | 1,846 |
| Total noninterest expense | $7,473,000 | 2,441 |
| Salaries and employee benefits | $3,169,000 | 3,084 |
| Premises and equipment expense | $1,333,000 | 1,958 |
| Additional noninterest expense | $2,971,000 | 1,857 |
| Pre-tax net operating income | $6,804,000 | 1,252 |
| Securities gains (losses) | $54,000 | 769 |
| Applicable income taxes | $2,186,000 | 1,051 |
| Income before extraordinary items | $4,672,000 | 1,381 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,672,000 | 1,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 2,280 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,635,280 | 1,377 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,483,000 | 1,372 |
| Total interest expense | $13,613,000 | 1,075 |
| Net interest income | $9,870,000 | 1,723 |
| Provision for loan and lease losses | $366,000 | 1,987 |
| Total noninterest income | $1,017,000 | 2,881 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $174,000 | 4,635 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $843,000 | 2,056 |
| Total noninterest expense | $5,420,000 | 2,502 |
| Salaries and employee benefits | $2,321,000 | 3,128 |
| Premises and equipment expense | $994,000 | 1,946 |
| Additional noninterest expense | $2,105,000 | 1,915 |
| Pre-tax net operating income | $5,101,000 | 1,340 |
| Securities gains (losses) | $13,000 | 934 |
| Applicable income taxes | $1,624,000 | 1,146 |
| Income before extraordinary items | $3,490,000 | 1,459 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,490,000 | 1,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,136 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,481,160 | 1,455 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,237,000 | 1,427 |
| Total interest expense | $8,818,000 | 1,118 |
| Net interest income | $6,419,000 | 1,785 |
| Provision for loan and lease losses | $303,000 | 1,519 |
| Total noninterest income | $755,000 | 2,693 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $104,000 | 4,866 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $651,000 | 1,870 |
| Total noninterest expense | $3,576,000 | 2,553 |
| Salaries and employee benefits | $1,506,000 | 3,230 |
| Premises and equipment expense | $665,000 | 1,960 |
| Additional noninterest expense | $1,405,000 | 1,925 |
| Pre-tax net operating income | $3,295,000 | 1,425 |
| Securities gains (losses) | $13,000 | 798 |
| Applicable income taxes | $1,042,000 | 1,237 |
| Income before extraordinary items | $2,266,000 | 1,549 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,266,000 | 1,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,457 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,257,030 | 1,533 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,481,000 | 1,442 |
| Total interest expense | $4,316,000 | 1,131 |
| Net interest income | $3,165,000 | 1,819 |
| Provision for loan and lease losses | $151,000 | 1,421 |
| Total noninterest income | $389,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $52,000 | 4,797 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $337,000 | 1,802 |
| Total noninterest expense | $1,777,000 | 2,572 |
| Salaries and employee benefits | $773,000 | 3,175 |
| Premises and equipment expense | $331,000 | 1,972 |
| Additional noninterest expense | $673,000 | 1,965 |
| Pre-tax net operating income | $1,626,000 | 1,431 |
| Securities gains (losses) | $13,000 | 644 |
| Applicable income taxes | $503,000 | 1,279 |
| Income before extraordinary items | $1,136,000 | 1,517 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,136,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 895 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,127,030 | 1,522 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,298,000 | 1,407 |
| Total interest expense | $15,270,000 | 1,097 |
| Net interest income | $13,028,000 | 1,768 |
| Provision for loan and lease losses | $692,000 | 1,431 |
| Total noninterest income | $1,384,000 | 2,853 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $199,000 | 5,003 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,185,000 | 1,982 |
| Total noninterest expense | $6,746,000 | 2,595 |
| Salaries and employee benefits | $2,868,000 | 3,258 |
| Premises and equipment expense | $1,248,000 | 2,007 |
| Additional noninterest expense | $2,630,000 | 2,018 |
| Pre-tax net operating income | $6,974,000 | 1,415 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,265,000 | 1,205 |
| Income before extraordinary items | $4,709,000 | 1,542 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,709,000 | 1,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $496,000 | 1,183 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,709,000 | 1,522 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,788,000 | 1,430 |
| Total interest expense | $10,973,000 | 1,116 |
| Net interest income | $9,815,000 | 1,774 |
| Provision for loan and lease losses | $504,000 | 1,382 |
| Total noninterest income | $953,000 | 3,027 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $148,000 | 5,057 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $805,000 | 2,120 |
| Total noninterest expense | $5,073,000 | 2,592 |
| Salaries and employee benefits | $2,216,000 | 3,160 |
| Premises and equipment expense | $918,000 | 2,055 |
| Additional noninterest expense | $1,939,000 | 2,023 |
| Pre-tax net operating income | $5,191,000 | 1,458 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,695,000 | 1,268 |
| Income before extraordinary items | $3,496,000 | 1,582 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,496,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,214 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,496,000 | 1,567 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,233,000 | 1,464 |
| Total interest expense | $6,792,000 | 1,140 |
| Net interest income | $6,441,000 | 1,806 |
| Provision for loan and lease losses | $378,000 | 1,214 |
| Total noninterest income | $583,000 | 3,179 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $100,000 | 5,022 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $483,000 | 2,264 |
| Total noninterest expense | $3,399,000 | 2,591 |
| Salaries and employee benefits | $1,541,000 | 3,053 |
| Premises and equipment expense | $600,000 | 2,084 |
| Additional noninterest expense | $1,258,000 | 2,082 |
| Pre-tax net operating income | $3,247,000 | 1,547 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,084,000 | 1,311 |
| Income before extraordinary items | $2,163,000 | 1,687 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,163,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,804 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,163,000 | 1,672 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,360,000 | 1,491 |
| Total interest expense | $3,207,000 | 1,143 |
| Net interest income | $3,153,000 | 1,835 |
| Provision for loan and lease losses | $189,000 | 1,200 |
| Total noninterest income | $286,000 | 3,180 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $50,000 | 4,949 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $236,000 | 2,269 |
| Total noninterest expense | $1,701,000 | 2,594 |
| Salaries and employee benefits | $807,000 | 2,949 |
| Premises and equipment expense | $297,000 | 2,120 |
| Additional noninterest expense | $597,000 | 2,164 |
| Pre-tax net operating income | $1,549,000 | 1,585 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $511,000 | 1,377 |
| Income before extraordinary items | $1,038,000 | 1,727 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,038,000 | 1,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,486 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,038,000 | 1,711 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,662,000 | 1,545 |
| Total interest expense | $10,160,000 | 1,107 |
| Net interest income | $11,502,000 | 1,925 |
| Provision for loan and lease losses | $667,000 | 1,496 |
| Total noninterest income | $1,680,000 | 2,501 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $219,000 | 4,853 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,461,000 | 1,700 |
| Total noninterest expense | $6,366,000 | 2,603 |
| Salaries and employee benefits | $2,995,000 | 2,962 |
| Premises and equipment expense | $1,060,000 | 2,249 |
| Additional noninterest expense | $2,311,000 | 2,165 |
| Pre-tax net operating income | $6,149,000 | 1,549 |
| Securities gains (losses) | $-62,000 | 8,268 |
| Applicable income taxes | $1,963,000 | 1,386 |
| Income before extraordinary items | $4,124,000 | 1,703 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,124,000 | 1,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,901 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,166,160 | 1,662 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,584,000 | 1,578 |
| Total interest expense | $7,249,000 | 1,102 |
| Net interest income | $8,335,000 | 1,986 |
| Provision for loan and lease losses | $500,000 | 1,397 |
| Total noninterest income | $1,249,000 | 2,510 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $163,000 | 4,904 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,086,000 | 1,716 |
| Total noninterest expense | $4,645,000 | 2,640 |
| Salaries and employee benefits | $2,177,000 | 3,017 |
| Premises and equipment expense | $768,000 | 2,305 |
| Additional noninterest expense | $1,700,000 | 2,180 |
| Pre-tax net operating income | $4,439,000 | 1,614 |
| Securities gains (losses) | $-62,000 | 8,537 |
| Applicable income taxes | $1,402,000 | 1,458 |
| Income before extraordinary items | $2,975,000 | 1,766 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,975,000 | 1,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 2,307 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,017,160 | 1,718 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,957,000 | 1,611 |
| Total interest expense | $4,611,000 | 1,080 |
| Net interest income | $5,346,000 | 2,038 |
| Provision for loan and lease losses | $334,000 | 1,389 |
| Total noninterest income | $678,000 | 2,832 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $107,000 | 4,896 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $571,000 | 2,001 |
| Total noninterest expense | $2,920,000 | 2,772 |
| Salaries and employee benefits | $1,349,000 | 3,220 |
| Premises and equipment expense | $490,000 | 2,376 |
| Additional noninterest expense | $1,081,000 | 2,264 |
| Pre-tax net operating income | $2,770,000 | 1,671 |
| Securities gains (losses) | $-62,000 | 8,639 |
| Applicable income taxes | $848,000 | 1,549 |
| Income before extraordinary items | $1,860,000 | 1,835 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,860,000 | 1,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,529 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,902,780 | 1,758 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,785,000 | 1,635 |
| Total interest expense | $2,177,000 | 1,076 |
| Net interest income | $2,608,000 | 2,068 |
| Provision for loan and lease losses | $167,000 | 1,295 |
| Total noninterest income | $326,000 | 2,858 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $52,000 | 4,904 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $274,000 | 2,007 |
| Total noninterest expense | $1,394,000 | 2,891 |
| Salaries and employee benefits | $635,000 | 3,395 |
| Premises and equipment expense | $238,000 | 2,463 |
| Additional noninterest expense | $521,000 | 2,336 |
| Pre-tax net operating income | $1,373,000 | 1,662 |
| Securities gains (losses) | $-62,000 | 8,803 |
| Applicable income taxes | $384,000 | 1,655 |
| Income before extraordinary items | $927,000 | 1,824 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $927,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $971,020 | 1,698 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,346,000 | 1,866 |
| Total interest expense | $6,464,000 | 1,272 |
| Net interest income | $8,882,000 | 2,301 |
| Provision for loan and lease losses | $795,000 | 1,298 |
| Total noninterest income | $1,630,000 | 2,525 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $181,000 | 5,421 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,449,000 | 1,682 |
| Total noninterest expense | $5,465,000 | 2,874 |
| Salaries and employee benefits | $2,527,000 | 3,318 |
| Premises and equipment expense | $876,000 | 2,583 |
| Additional noninterest expense | $2,062,000 | 2,352 |
| Pre-tax net operating income | $4,252,000 | 1,947 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,415,000 | 1,678 |
| Income before extraordinary items | $2,837,000 | 2,177 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,837,000 | 2,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,010 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,837,000 | 2,134 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,885,000 | 1,938 |
| Total interest expense | $4,569,000 | 1,319 |
| Net interest income | $6,316,000 | 2,396 |
| Provision for loan and lease losses | $596,000 | 1,246 |
| Total noninterest income | $1,294,000 | 2,449 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $128,000 | 5,592 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,166,000 | 1,588 |
| Total noninterest expense | $4,102,000 | 2,854 |
| Salaries and employee benefits | $1,936,000 | 3,229 |
| Premises and equipment expense | $652,000 | 2,587 |
| Additional noninterest expense | $1,514,000 | 2,366 |
| Pre-tax net operating income | $2,912,000 | 2,119 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $964,000 | 1,835 |
| Income before extraordinary items | $1,948,000 | 2,381 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,948,000 | 2,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,153 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,948,000 | 2,329 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,908,000 | 2,010 |
| Total interest expense | $2,931,000 | 1,352 |
| Net interest income | $3,977,000 | 2,498 |
| Provision for loan and lease losses | $397,000 | 1,246 |
| Total noninterest income | $1,037,000 | 2,140 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $82,000 | 5,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $955,000 | 1,371 |
| Total noninterest expense | $2,783,000 | 2,807 |
| Salaries and employee benefits | $1,364,000 | 3,091 |
| Premises and equipment expense | $424,000 | 2,647 |
| Additional noninterest expense | $995,000 | 2,393 |
| Pre-tax net operating income | $1,834,000 | 2,199 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $611,000 | 1,900 |
| Income before extraordinary items | $1,223,000 | 2,486 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,223,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,223,000 | 2,420 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,349,000 | 2,088 |
| Total interest expense | $1,432,000 | 1,392 |
| Net interest income | $1,917,000 | 2,585 |
| Provision for loan and lease losses | $199,000 | 1,168 |
| Total noninterest income | $483,000 | 2,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 5,782 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $445,000 | 1,405 |
| Total noninterest expense | $1,376,000 | 2,850 |
| Salaries and employee benefits | $672,000 | 3,140 |
| Premises and equipment expense | $209,000 | 2,694 |
| Additional noninterest expense | $495,000 | 2,384 |
| Pre-tax net operating income | $825,000 | 2,361 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $285,000 | 2,001 |
| Income before extraordinary items | $540,000 | 2,752 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $540,000 | 2,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,469 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $540,000 | 2,664 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,677,000 | 2,273 |
| Total interest expense | $5,801,000 | 1,538 |
| Net interest income | $6,876,000 | 2,804 |
| Provision for loan and lease losses | $845,000 | 1,392 |
| Total noninterest income | $3,192,000 | 1,601 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $146,000 | 5,917 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,046,000 | 1,079 |
| Total noninterest expense | $5,838,000 | 2,656 |
| Salaries and employee benefits | $3,126,000 | 2,683 |
| Premises and equipment expense | $818,000 | 2,703 |
| Additional noninterest expense | $1,894,000 | 2,526 |
| Pre-tax net operating income | $3,385,000 | 2,271 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,165,000 | 1,970 |
| Income before extraordinary items | $2,220,000 | 2,636 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,220,000 | 2,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,873 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,220,000 | 2,512 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,447,000 | 2,319 |
| Total interest expense | $4,389,000 | 1,593 |
| Net interest income | $5,058,000 | 2,864 |
| Provision for loan and lease losses | $721,000 | 1,183 |
| Total noninterest income | $2,841,000 | 1,425 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $109,000 | 5,956 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,732,000 | 983 |
| Total noninterest expense | $4,586,000 | 2,565 |
| Salaries and employee benefits | $2,518,000 | 2,503 |
| Premises and equipment expense | $608,000 | 2,741 |
| Additional noninterest expense | $1,460,000 | 2,454 |
| Pre-tax net operating income | $2,592,000 | 2,308 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $892,000 | 2,035 |
| Income before extraordinary items | $1,700,000 | 2,684 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,700,000 | 2,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,621 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,700,000 | 2,541 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,096,000 | 2,404 |
| Total interest expense | $2,913,000 | 1,673 |
| Net interest income | $3,183,000 | 3,009 |
| Provision for loan and lease losses | $447,000 | 1,290 |
| Total noninterest income | $1,638,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $70,000 | 6,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,568,000 | 1,097 |
| Total noninterest expense | $2,775,000 | 2,789 |
| Salaries and employee benefits | $1,492,000 | 2,794 |
| Premises and equipment expense | $399,000 | 2,774 |
| Additional noninterest expense | $884,000 | 2,657 |
| Pre-tax net operating income | $1,599,000 | 2,467 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $555,000 | 2,164 |
| Income before extraordinary items | $1,044,000 | 2,880 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,044,000 | 2,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,044,000 | 2,712 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,918,000 | 2,510 |
| Total interest expense | $1,467,000 | 1,704 |
| Net interest income | $1,451,000 | 3,271 |
| Provision for loan and lease losses | $224,000 | 1,260 |
| Total noninterest income | $743,000 | 1,689 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $710,000 | 1,158 |
| Total noninterest expense | $1,301,000 | 2,941 |
| Salaries and employee benefits | $689,000 | 2,997 |
| Premises and equipment expense | $198,000 | 2,780 |
| Additional noninterest expense | $414,000 | 2,773 |
| Pre-tax net operating income | $669,000 | 2,840 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $230,000 | 2,456 |
| Income before extraordinary items | $439,000 | 3,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $439,000 | 3,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $439,000 | 3,076 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,759,000 | 2,606 |
| Total interest expense | $6,152,000 | 1,853 |
| Net interest income | $5,607,000 | 3,322 |
| Provision for loan and lease losses | $649,000 | 1,943 |
| Total noninterest income | $1,662,000 | 2,446 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $155,000 | 5,776 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,507,000 | 1,638 |
| Total noninterest expense | $4,245,000 | 3,395 |
| Salaries and employee benefits | $2,142,000 | 3,530 |
| Premises and equipment expense | $556,000 | 3,632 |
| Additional noninterest expense | $1,547,000 | 2,891 |
| Pre-tax net operating income | $2,375,000 | 2,998 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $820,000 | 2,552 |
| Income before extraordinary items | $1,555,000 | 3,408 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,555,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,701 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,555,000 | 3,293 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,369,000 | 2,979 |
| Total interest expense | $6,926,000 | 2,311 |
| Net interest income | $4,443,000 | 3,807 |
| Provision for loan and lease losses | $590,000 | 1,932 |
| Total noninterest income | $863,000 | 3,663 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $102,000 | 6,538 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $761,000 | 2,461 |
| Total noninterest expense | $3,181,000 | 4,141 |
| Salaries and employee benefits | $1,482,000 | 4,558 |
| Premises and equipment expense | $442,000 | 4,286 |
| Additional noninterest expense | $1,257,000 | 3,360 |
| Pre-tax net operating income | $1,535,000 | 3,796 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $528,000 | 3,232 |
| Income before extraordinary items | $1,007,000 | 4,279 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,007,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,101 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,007,000 | 4,157 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,985,000 | 3,724 |
| Total interest expense | $5,584,000 | 2,974 |
| Net interest income | $3,401,000 | 4,712 |
| Provision for loan and lease losses | $585,000 | 1,664 |
| Total noninterest income | $380,000 | 5,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 7,680 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,719 |
| Total noninterest expense | $2,607,000 | 4,713 |
| Salaries and employee benefits | $1,117,000 | 5,503 |
| Premises and equipment expense | $400,000 | 4,509 |
| Additional noninterest expense | $1,090,000 | 3,717 |
| Pre-tax net operating income | $589,000 | 6,628 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $-127,000 | 9,621 |
| Income before extraordinary items | $715,000 | 5,360 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $715,000 | 5,360 |
| 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 | $1,500,000 | 398 |
| Net operating income | $716,000 | 5,365 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,933,000 | 6,428 |
| Total interest expense | $2,084,000 | 5,853 |
| Net interest income | $1,849,000 | 6,913 |
| Provision for loan and lease losses | $396,000 | 2,134 |
| Total noninterest income | $203,000 | 7,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $13,000 | 8,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,061 |
| Total noninterest expense | $1,930,000 | 5,816 |
| Salaries and employee benefits | $1,259,000 | 4,990 |
| Premises and equipment expense | $244,000 | 6,130 |
| Additional noninterest expense | $427,000 | 7,068 |
| Pre-tax net operating income | $-274,000 | 9,691 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-274,000 | 9,739 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-274,000 | 9,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-274,000 | 9,719 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $210,000 | 10,354 |
| Total interest expense | $49,000 | 10,345 |
| Net interest income | $161,000 | 10,332 |
| Provision for loan and lease losses | $500,000 | 1,714 |
| Total noninterest income | $3,000 | 10,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 10,282 |
| Total noninterest expense | $387,000 | 10,093 |
| Salaries and employee benefits | $204,000 | 10,091 |
| Premises and equipment expense | $51,000 | 9,797 |
| Additional noninterest expense | $132,000 | 9,835 |
| Pre-tax net operating income | $-723,000 | 10,271 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-723,000 | 10,309 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-723,000 | 10,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $10,000,000 | 97 |
| Net operating income | $-723,000 | 10,285 |
* 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.