Home > The Bank of Northern Michigan > Income and Expense
The Bank of Northern Michigan, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $10,627,000 | 1,760 |
| Total interest expense | $1,678,000 | 1,251 |
| Net interest income | $8,949,000 | 1,850 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $1,067,000 | 2,577 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $166,000 | 3,584 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $901,000 | 2,160 |
| Total noninterest expense | $6,724,000 | 2,093 |
| Salaries and employee benefits | $3,118,000 | 2,406 |
| Premises and equipment expense | $804,000 | 2,094 |
| Additional noninterest expense | $2,802,000 | 1,620 |
| Pre-tax net operating income | $3,292,000 | 1,772 |
| Securities gains (losses) | $349,000 | 424 |
| Applicable income taxes | $625,000 | 1,812 |
| Income before extraordinary items | $3,016,000 | 1,615 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,007,000 | 1,622 |
| Minority interest net income | $9,000 | 65 |
| Net income of bank and minority interests. | $3,016,000 | 1,616 |
| Net charge-offs | $18,000 | 3,406 |
| Cash dividends | $2,000,000 | 975 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $2,726,330 | 1,734 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $7,234,000 | 1,721 |
| Total interest expense | $1,216,000 | 1,162 |
| Net interest income | $6,018,000 | 1,832 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $865,000 | 2,326 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $108,000 | 3,605 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $757,000 | 1,868 |
| Total noninterest expense | $4,796,000 | 1,990 |
| Salaries and employee benefits | $2,160,000 | 2,343 |
| Premises and equipment expense | $575,000 | 1,988 |
| Additional noninterest expense | $2,061,000 | 1,499 |
| Pre-tax net operating income | $2,087,000 | 1,840 |
| Securities gains (losses) | $349,000 | 344 |
| Applicable income taxes | $368,000 | 1,929 |
| Income before extraordinary items | $2,068,000 | 1,576 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,059,000 | 1,586 |
| Minority interest net income | $9,000 | 63 |
| Net income of bank and minority interests. | $2,068,000 | 1,579 |
| Net charge-offs | $18,000 | 3,008 |
| Cash dividends | $2,000,000 | 690 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $1,771,350 | 1,748 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $3,624,000 | 1,724 |
| Total interest expense | $636,000 | 1,121 |
| Net interest income | $2,988,000 | 1,842 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $364,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $55,000 | 3,545 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $309,000 | 2,082 |
| Total noninterest expense | $2,159,000 | 2,183 |
| Salaries and employee benefits | $961,000 | 2,603 |
| Premises and equipment expense | $279,000 | 2,068 |
| Additional noninterest expense | $919,000 | 1,638 |
| Pre-tax net operating income | $1,193,000 | 1,605 |
| Securities gains (losses) | $220,000 | 331 |
| Applicable income taxes | $377,000 | 1,236 |
| Income before extraordinary items | $1,036,000 | 1,545 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $1,031,000 | 1,558 |
| Minority interest net income | $5,000 | 58 |
| Net income of bank and minority interests. | $1,036,000 | 1,547 |
| Net charge-offs | $30,000 | 1,887 |
| Cash dividends | $1,000,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $875,400 | 1,724 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $14,441,000 | 1,733 |
| Total interest expense | $2,624,000 | 1,130 |
| Net interest income | $11,817,000 | 1,856 |
| Provision for loan and lease losses | $75,000 | 3,450 |
| Total noninterest income | $1,107,000 | 2,954 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $234,000 | 3,662 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $873,000 | 2,526 |
| Total noninterest expense | $8,349,000 | 2,246 |
| Salaries and employee benefits | $3,394,000 | 2,825 |
| Premises and equipment expense | $1,210,000 | 1,906 |
| Additional noninterest expense | $3,745,000 | 1,660 |
| Pre-tax net operating income | $4,500,000 | 1,677 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $1,066,000 | 1,487 |
| Income before extraordinary items | $3,434,000 | 1,797 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $3,413,000 | 1,809 |
| Minority interest net income | $21,000 | 63 |
| Net income of bank and minority interests. | $3,434,000 | 1,796 |
| Net charge-offs | $-196,000 | 6,246 |
| Cash dividends | $2,250,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,434,000 | 1,765 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $10,292,000 | 1,836 |
| Total interest expense | $1,951,000 | 1,145 |
| Net interest income | $8,341,000 | 1,953 |
| Provision for loan and lease losses | $75,000 | 3,094 |
| Total noninterest income | $766,000 | 3,105 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $176,000 | 3,701 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $590,000 | 2,668 |
| Total noninterest expense | $6,352,000 | 2,220 |
| Salaries and employee benefits | $2,559,000 | 2,816 |
| Premises and equipment expense | $914,000 | 1,902 |
| Additional noninterest expense | $2,879,000 | 1,628 |
| Pre-tax net operating income | $2,680,000 | 2,029 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $527,000 | 1,936 |
| Income before extraordinary items | $2,153,000 | 2,096 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,137,000 | 2,109 |
| Minority interest net income | $16,000 | 65 |
| Net income of bank and minority interests. | $2,153,000 | 2,094 |
| Net charge-offs | $-96,000 | 6,196 |
| Cash dividends | $1,500,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $2,153,000 | 2,055 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $6,830,000 | 1,837 |
| Total interest expense | $1,271,000 | 1,167 |
| Net interest income | $5,559,000 | 1,939 |
| Provision for loan and lease losses | $50,000 | 2,981 |
| Total noninterest income | $474,000 | 3,210 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $115,000 | 3,703 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $359,000 | 2,797 |
| Total noninterest expense | $4,227,000 | 2,226 |
| Salaries and employee benefits | $1,655,000 | 2,898 |
| Premises and equipment expense | $621,000 | 1,885 |
| Additional noninterest expense | $1,951,000 | 1,594 |
| Pre-tax net operating income | $1,756,000 | 2,013 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $457,000 | 1,624 |
| Income before extraordinary items | $1,299,000 | 2,211 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,288,000 | 2,224 |
| Minority interest net income | $11,000 | 67 |
| Net income of bank and minority interests. | $1,299,000 | 2,214 |
| Net charge-offs | $13,000 | 3,613 |
| Cash dividends | $1,000,000 | 1,145 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,299,000 | 2,165 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $3,401,000 | 1,844 |
| Total interest expense | $630,000 | 1,200 |
| Net interest income | $2,771,000 | 1,945 |
| Provision for loan and lease losses | $25,000 | 2,805 |
| Total noninterest income | $229,000 | 3,224 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $56,000 | 3,746 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $173,000 | 2,764 |
| Total noninterest expense | $2,073,000 | 2,263 |
| Salaries and employee benefits | $789,000 | 3,025 |
| Premises and equipment expense | $305,000 | 1,952 |
| Additional noninterest expense | $979,000 | 1,582 |
| Pre-tax net operating income | $902,000 | 1,916 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $263,000 | 1,465 |
| Income before extraordinary items | $639,000 | 2,166 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $634,000 | 2,184 |
| Minority interest net income | $5,000 | 55 |
| Net income of bank and minority interests. | $639,000 | 2,168 |
| Net charge-offs | $-52,000 | 6,327 |
| Cash dividends | $1,000,000 | 600 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $639,000 | 2,117 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $13,765,000 | 1,818 |
| Total interest expense | $2,544,000 | 1,333 |
| Net interest income | $11,221,000 | 1,899 |
| Provision for loan and lease losses | $630,000 | 1,585 |
| Total noninterest income | $2,079,000 | 2,113 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $235,000 | 3,820 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,844,000 | 1,611 |
| Total noninterest expense | $8,601,000 | 2,191 |
| Salaries and employee benefits | $3,336,000 | 2,895 |
| Premises and equipment expense | $1,223,000 | 1,887 |
| Additional noninterest expense | $4,042,000 | 1,605 |
| Pre-tax net operating income | $4,069,000 | 1,704 |
| Securities gains (losses) | $108,000 | 1,265 |
| Applicable income taxes | $1,251,000 | 1,272 |
| Income before extraordinary items | $2,926,000 | 1,933 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,904,000 | 1,946 |
| Minority interest net income | $22,000 | 70 |
| Net income of bank and minority interests. | $2,926,000 | 1,935 |
| Net charge-offs | $533,000 | 1,952 |
| Cash dividends | $2,500,000 | 997 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $2,850,400 | 1,930 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $10,325,000 | 1,819 |
| Total interest expense | $1,887,000 | 1,394 |
| Net interest income | $8,438,000 | 1,903 |
| Provision for loan and lease losses | $585,000 | 1,359 |
| Total noninterest income | $1,728,000 | 2,005 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $177,000 | 3,844 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,551,000 | 1,517 |
| Total noninterest expense | $6,369,000 | 2,225 |
| Salaries and employee benefits | $2,543,000 | 2,875 |
| Premises and equipment expense | $926,000 | 1,874 |
| Additional noninterest expense | $2,900,000 | 1,660 |
| Pre-tax net operating income | $3,212,000 | 1,642 |
| Securities gains (losses) | $117,000 | 1,114 |
| Applicable income taxes | $991,000 | 1,262 |
| Income before extraordinary items | $2,338,000 | 1,878 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,322,000 | 1,893 |
| Minority interest net income | $16,000 | 66 |
| Net income of bank and minority interests. | $2,338,000 | 1,883 |
| Net charge-offs | $542,000 | 1,517 |
| Cash dividends | $1,500,000 | 1,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,256,100 | 1,871 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $6,869,000 | 1,823 |
| Total interest expense | $1,261,000 | 1,428 |
| Net interest income | $5,608,000 | 1,898 |
| Provision for loan and lease losses | $390,000 | 1,405 |
| Total noninterest income | $1,027,000 | 2,196 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $117,000 | 3,825 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $910,000 | 1,696 |
| Total noninterest expense | $4,344,000 | 2,166 |
| Salaries and employee benefits | $1,782,000 | 2,776 |
| Premises and equipment expense | $622,000 | 1,872 |
| Additional noninterest expense | $1,940,000 | 1,649 |
| Pre-tax net operating income | $1,901,000 | 1,807 |
| Securities gains (losses) | $117,000 | 1,008 |
| Applicable income taxes | $592,000 | 1,368 |
| Income before extraordinary items | $1,426,000 | 2,017 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,415,000 | 2,038 |
| Minority interest net income | $11,000 | 66 |
| Net income of bank and minority interests. | $1,426,000 | 2,023 |
| Net charge-offs | $602,000 | 1,098 |
| Cash dividends | $1,000,000 | 1,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,342,930 | 2,034 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,496,000 | 1,807 |
| Total interest expense | $650,000 | 1,422 |
| Net interest income | $2,846,000 | 1,875 |
| Provision for loan and lease losses | $195,000 | 1,390 |
| Total noninterest income | $599,000 | 1,955 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $57,000 | 3,854 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $542,000 | 1,483 |
| Total noninterest expense | $2,259,000 | 2,106 |
| Salaries and employee benefits | $970,000 | 2,578 |
| Premises and equipment expense | $317,000 | 1,870 |
| Additional noninterest expense | $972,000 | 1,648 |
| Pre-tax net operating income | $991,000 | 1,722 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $290,000 | 1,367 |
| Income before extraordinary items | $701,000 | 1,996 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $696,000 | 2,007 |
| Minority interest net income | $5,000 | 65 |
| Net income of bank and minority interests. | $701,000 | 1,998 |
| Net charge-offs | $156,000 | 1,546 |
| Cash dividends | $500,000 | 922 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $701,000 | 1,914 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $15,059,000 | 1,759 |
| Total interest expense | $3,898,000 | 1,146 |
| Net interest income | $11,161,000 | 1,957 |
| Provision for loan and lease losses | $1,825,000 | 1,151 |
| Total noninterest income | $1,930,000 | 2,245 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $234,000 | 3,986 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,696,000 | 1,710 |
| Total noninterest expense | $8,260,000 | 2,286 |
| Salaries and employee benefits | $3,294,000 | 2,931 |
| Premises and equipment expense | $1,319,000 | 1,795 |
| Additional noninterest expense | $3,647,000 | 1,807 |
| Pre-tax net operating income | $3,006,000 | 2,092 |
| Securities gains (losses) | $744,000 | 691 |
| Applicable income taxes | $879,000 | 1,596 |
| Income before extraordinary items | $2,871,000 | 1,935 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,849,000 | 1,943 |
| Minority interest net income | $22,000 | 70 |
| Net income of bank and minority interests. | $2,871,000 | 1,936 |
| Net charge-offs | $1,184,000 | 1,645 |
| Cash dividends | $2,500,000 | 1,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,298,120 | 2,220 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,481,000 | 1,760 |
| Total interest expense | $2,896,000 | 1,231 |
| Net interest income | $8,585,000 | 1,940 |
| Provision for loan and lease losses | $1,419,000 | 1,129 |
| Total noninterest income | $1,282,000 | 2,426 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $176,000 | 4,029 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,106,000 | 1,866 |
| Total noninterest expense | $6,239,000 | 2,286 |
| Salaries and employee benefits | $2,458,000 | 2,953 |
| Premises and equipment expense | $1,006,000 | 1,768 |
| Additional noninterest expense | $2,775,000 | 1,788 |
| Pre-tax net operating income | $2,209,000 | 2,171 |
| Securities gains (losses) | $653,000 | 607 |
| Applicable income taxes | $818,000 | 1,427 |
| Income before extraordinary items | $2,044,000 | 2,069 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,027,000 | 2,079 |
| Minority interest net income | $17,000 | 69 |
| Net income of bank and minority interests. | $2,044,000 | 2,070 |
| Net charge-offs | $927,000 | 1,545 |
| Cash dividends | $2,000,000 | 766 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,580,370 | 2,418 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 1,741 |
| Total interest expense | $1,996,000 | 1,227 |
| Net interest income | $5,778,000 | 1,914 |
| Provision for loan and lease losses | $1,012,000 | 1,084 |
| Total noninterest income | $623,000 | 2,876 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $115,000 | 4,062 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $508,000 | 2,310 |
| Total noninterest expense | $4,129,000 | 2,306 |
| Salaries and employee benefits | $1,599,000 | 3,020 |
| Premises and equipment expense | $680,000 | 1,733 |
| Additional noninterest expense | $1,850,000 | 1,798 |
| Pre-tax net operating income | $1,260,000 | 2,424 |
| Securities gains (losses) | $653,000 | 426 |
| Applicable income taxes | $550,000 | 1,397 |
| Income before extraordinary items | $1,363,000 | 2,053 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,352,000 | 2,061 |
| Minority interest net income | $11,000 | 71 |
| Net income of bank and minority interests. | $1,363,000 | 2,053 |
| Net charge-offs | $839,000 | 1,293 |
| Cash dividends | $1,500,000 | 681 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $899,370 | 2,677 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,983,000 | 1,718 |
| Total interest expense | $1,058,000 | 1,206 |
| Net interest income | $2,925,000 | 1,898 |
| Provision for loan and lease losses | $406,000 | 1,235 |
| Total noninterest income | $258,000 | 3,199 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $55,000 | 4,115 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $203,000 | 2,634 |
| Total noninterest expense | $2,020,000 | 2,343 |
| Salaries and employee benefits | $821,000 | 2,973 |
| Premises and equipment expense | $339,000 | 1,746 |
| Additional noninterest expense | $860,000 | 1,917 |
| Pre-tax net operating income | $757,000 | 2,106 |
| Securities gains (losses) | $178,000 | 652 |
| Applicable income taxes | $271,000 | 1,389 |
| Income before extraordinary items | $664,000 | 2,085 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $658,000 | 2,106 |
| Minority interest net income | $6,000 | 62 |
| Net income of bank and minority interests. | $664,000 | 2,087 |
| Net charge-offs | $470,000 | 1,142 |
| Cash dividends | $1,000,000 | 457 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $537,620 | 2,344 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $16,822,000 | 1,683 |
| Total interest expense | $5,120,000 | 1,173 |
| Net interest income | $11,702,000 | 1,884 |
| Provision for loan and lease losses | $2,000,000 | 1,561 |
| Total noninterest income | $1,454,000 | 2,500 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $249,000 | 3,973 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,205,000 | 1,900 |
| Total noninterest expense | $8,121,000 | 2,335 |
| Salaries and employee benefits | $3,160,000 | 2,981 |
| Premises and equipment expense | $1,343,000 | 1,855 |
| Additional noninterest expense | $3,618,000 | 1,861 |
| Pre-tax net operating income | $3,035,000 | 1,821 |
| Securities gains (losses) | $193,000 | 1,488 |
| Applicable income taxes | $405,000 | 2,244 |
| Income before extraordinary items | $2,823,000 | 1,704 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,800,000 | 1,716 |
| Minority interest net income | $23,000 | 73 |
| Net income of bank and minority interests. | $2,823,000 | 1,705 |
| Net charge-offs | $1,456,000 | 1,920 |
| Cash dividends | $1,500,000 | 1,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $2,655,090 | 1,711 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,612,000 | 1,700 |
| Total interest expense | $3,984,000 | 1,175 |
| Net interest income | $8,628,000 | 1,914 |
| Provision for loan and lease losses | $1,250,000 | 1,706 |
| Total noninterest income | $1,082,000 | 2,502 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $188,000 | 3,967 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $894,000 | 1,901 |
| Total noninterest expense | $5,914,000 | 2,410 |
| Salaries and employee benefits | $2,344,000 | 3,022 |
| Premises and equipment expense | $1,000,000 | 1,881 |
| Additional noninterest expense | $2,570,000 | 1,970 |
| Pre-tax net operating income | $2,546,000 | 1,705 |
| Securities gains (losses) | $76,000 | 2,017 |
| Applicable income taxes | $689,000 | 1,436 |
| Income before extraordinary items | $1,933,000 | 1,896 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,916,000 | 1,905 |
| Minority interest net income | $17,000 | 68 |
| Net income of bank and minority interests. | $1,933,000 | 1,896 |
| Net charge-offs | $1,175,000 | 1,744 |
| Cash dividends | $1,500,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,876,760 | 1,842 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,432,000 | 1,716 |
| Total interest expense | $2,727,000 | 1,185 |
| Net interest income | $5,705,000 | 1,933 |
| Provision for loan and lease losses | $750,000 | 1,800 |
| Total noninterest income | $705,000 | 2,528 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $122,000 | 4,006 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $583,000 | 1,905 |
| Total noninterest expense | $3,965,000 | 2,431 |
| Salaries and employee benefits | $1,608,000 | 2,963 |
| Premises and equipment expense | $683,000 | 1,856 |
| Additional noninterest expense | $1,674,000 | 2,036 |
| Pre-tax net operating income | $1,695,000 | 1,677 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $441,000 | 1,439 |
| Income before extraordinary items | $1,254,000 | 1,886 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,242,000 | 1,896 |
| Minority interest net income | $12,000 | 73 |
| Net income of bank and minority interests. | $1,254,000 | 1,886 |
| Net charge-offs | $619,000 | 1,921 |
| Cash dividends | $1,000,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,254,000 | 1,815 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,223,000 | 1,723 |
| Total interest expense | $1,420,000 | 1,185 |
| Net interest income | $2,803,000 | 1,958 |
| Provision for loan and lease losses | $450,000 | 1,516 |
| Total noninterest income | $498,000 | 1,988 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $58,000 | 4,076 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $440,000 | 1,474 |
| Total noninterest expense | $2,027,000 | 2,394 |
| Salaries and employee benefits | $840,000 | 2,876 |
| Premises and equipment expense | $353,000 | 1,836 |
| Additional noninterest expense | $834,000 | 2,028 |
| Pre-tax net operating income | $824,000 | 1,732 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $212,000 | 1,445 |
| Income before extraordinary items | $612,000 | 1,891 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $606,000 | 1,900 |
| Minority interest net income | $6,000 | 75 |
| Net income of bank and minority interests. | $612,000 | 1,891 |
| Net charge-offs | $167,000 | 2,262 |
| Cash dividends | $500,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $612,000 | 1,839 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $17,012,000 | 1,774 |
| Total interest expense | $6,758,000 | 1,216 |
| Net interest income | $10,254,000 | 2,130 |
| Provision for loan and lease losses | $1,945,000 | 2,111 |
| Total noninterest income | $1,449,000 | 2,574 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $231,000 | 4,153 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,218,000 | 1,936 |
| Total noninterest expense | $7,550,000 | 2,569 |
| Salaries and employee benefits | $3,115,000 | 3,009 |
| Premises and equipment expense | $1,264,000 | 2,007 |
| Additional noninterest expense | $3,171,000 | 2,190 |
| Pre-tax net operating income | $2,208,000 | 2,068 |
| Securities gains (losses) | $654,000 | 708 |
| Applicable income taxes | $657,000 | 1,641 |
| Income before extraordinary items | $2,205,000 | 1,860 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,181,000 | 1,874 |
| Minority interest net income | $24,000 | 85 |
| Net income of bank and minority interests. | $2,205,000 | 1,862 |
| Net charge-offs | $1,359,000 | 2,288 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,701,420 | 2,200 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,642,000 | 1,833 |
| Total interest expense | $5,199,000 | 1,229 |
| Net interest income | $7,443,000 | 2,240 |
| Provision for loan and lease losses | $1,494,000 | 1,984 |
| Total noninterest income | $883,000 | 2,968 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $172,000 | 4,237 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $711,000 | 2,237 |
| Total noninterest expense | $5,432,000 | 2,649 |
| Salaries and employee benefits | $2,191,000 | 3,214 |
| Premises and equipment expense | $943,000 | 2,041 |
| Additional noninterest expense | $2,298,000 | 2,229 |
| Pre-tax net operating income | $1,400,000 | 2,514 |
| Securities gains (losses) | $344,000 | 976 |
| Applicable income taxes | $356,000 | 1,986 |
| Income before extraordinary items | $1,388,000 | 2,291 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,370,000 | 2,316 |
| Minority interest net income | $18,000 | 88 |
| Net income of bank and minority interests. | $1,388,000 | 2,292 |
| Net charge-offs | $769,000 | 2,511 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,112,800 | 2,570 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,343,000 | 1,879 |
| Total interest expense | $3,509,000 | 1,267 |
| Net interest income | $4,834,000 | 2,309 |
| Provision for loan and lease losses | $1,042,000 | 1,894 |
| Total noninterest income | $592,000 | 2,898 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $113,000 | 4,263 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $479,000 | 2,145 |
| Total noninterest expense | $3,518,000 | 2,721 |
| Salaries and employee benefits | $1,387,000 | 3,371 |
| Premises and equipment expense | $630,000 | 2,055 |
| Additional noninterest expense | $1,501,000 | 2,258 |
| Pre-tax net operating income | $866,000 | 2,651 |
| Securities gains (losses) | $162,000 | 1,077 |
| Applicable income taxes | $191,000 | 2,173 |
| Income before extraordinary items | $837,000 | 2,429 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $825,000 | 2,445 |
| Minority interest net income | $12,000 | 82 |
| Net income of bank and minority interests. | $837,000 | 2,428 |
| Net charge-offs | $724,000 | 2,044 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $705,780 | 2,653 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,123,000 | 1,938 |
| Total interest expense | $1,796,000 | 1,302 |
| Net interest income | $2,327,000 | 2,423 |
| Provision for loan and lease losses | $452,000 | 1,917 |
| Total noninterest income | $307,000 | 2,809 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $57,000 | 4,229 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $250,000 | 2,070 |
| Total noninterest expense | $1,758,000 | 2,762 |
| Salaries and employee benefits | $698,000 | 3,403 |
| Premises and equipment expense | $323,000 | 2,070 |
| Additional noninterest expense | $737,000 | 2,292 |
| Pre-tax net operating income | $424,000 | 2,735 |
| Securities gains (losses) | $24,000 | 1,449 |
| Applicable income taxes | $74,000 | 2,428 |
| Income before extraordinary items | $374,000 | 2,672 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $368,000 | 2,706 |
| Minority interest net income | $6,000 | 74 |
| Net income of bank and minority interests. | $374,000 | 2,673 |
| Net charge-offs | $525,000 | 1,549 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $354,080 | 2,681 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,982,000 | 1,997 |
| Total interest expense | $8,420,000 | 1,425 |
| Net interest income | $8,562,000 | 2,530 |
| Provision for loan and lease losses | $2,150,000 | 2,394 |
| Total noninterest income | $1,658,000 | 2,403 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $229,000 | 4,399 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,429,000 | 1,707 |
| Total noninterest expense | $7,095,000 | 2,762 |
| Salaries and employee benefits | $3,205,000 | 3,009 |
| Premises and equipment expense | $1,257,000 | 2,125 |
| Additional noninterest expense | $2,633,000 | 2,624 |
| Pre-tax net operating income | $975,000 | 3,028 |
| Securities gains (losses) | $643,000 | 736 |
| Applicable income taxes | $270,000 | 2,124 |
| Income before extraordinary items | $1,348,000 | 2,284 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,322,000 | 2,319 |
| Minority interest net income | $26,000 | 82 |
| Net income of bank and minority interests. | $1,348,000 | 2,282 |
| Net charge-offs | $1,399,000 | 2,461 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $814,310 | 3,048 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,833,000 | 2,017 |
| Total interest expense | $6,496,000 | 1,450 |
| Net interest income | $6,337,000 | 2,576 |
| Provision for loan and lease losses | $1,400,000 | 2,309 |
| Total noninterest income | $1,426,000 | 2,243 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $168,000 | 4,460 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,258,000 | 1,562 |
| Total noninterest expense | $5,739,000 | 2,582 |
| Salaries and employee benefits | $2,487,000 | 2,958 |
| Premises and equipment expense | $896,000 | 2,249 |
| Additional noninterest expense | $2,356,000 | 2,217 |
| Pre-tax net operating income | $624,000 | 3,524 |
| Securities gains (losses) | $488,000 | 716 |
| Applicable income taxes | $196,000 | 2,338 |
| Income before extraordinary items | $916,000 | 2,622 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $897,000 | 2,654 |
| Minority interest net income | $19,000 | 91 |
| Net income of bank and minority interests. | $916,000 | 2,622 |
| Net charge-offs | $984,000 | 2,222 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $515,840 | 3,553 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,508,000 | 2,066 |
| Total interest expense | $4,417,000 | 1,498 |
| Net interest income | $4,091,000 | 2,655 |
| Provision for loan and lease losses | $1,025,000 | 2,036 |
| Total noninterest income | $1,134,000 | 1,994 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $108,000 | 4,500 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,026,000 | 1,409 |
| Total noninterest expense | $3,948,000 | 2,530 |
| Salaries and employee benefits | $1,692,000 | 2,937 |
| Premises and equipment expense | $606,000 | 2,250 |
| Additional noninterest expense | $1,650,000 | 2,154 |
| Pre-tax net operating income | $252,000 | 4,370 |
| Securities gains (losses) | $488,000 | 518 |
| Applicable income taxes | $165,000 | 2,169 |
| Income before extraordinary items | $575,000 | 2,842 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $562,000 | 2,878 |
| Minority interest net income | $13,000 | 86 |
| Net income of bank and minority interests. | $575,000 | 2,842 |
| Net charge-offs | $682,000 | 2,008 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $194,360 | 4,486 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,299,000 | 2,069 |
| Total interest expense | $2,279,000 | 1,509 |
| Net interest income | $2,020,000 | 2,687 |
| Provision for loan and lease losses | $650,000 | 1,529 |
| Total noninterest income | $445,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $48,000 | 4,692 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $397,000 | 1,625 |
| Total noninterest expense | $1,898,000 | 2,548 |
| Salaries and employee benefits | $825,000 | 3,025 |
| Premises and equipment expense | $306,000 | 2,259 |
| Additional noninterest expense | $767,000 | 2,064 |
| Pre-tax net operating income | $-83,000 | 6,598 |
| Securities gains (losses) | $483,000 | 349 |
| Applicable income taxes | $120,000 | 1,991 |
| Income before extraordinary items | $280,000 | 3,246 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $274,000 | 3,287 |
| Minority interest net income | $6,000 | 82 |
| Net income of bank and minority interests. | $280,000 | 3,246 |
| Net charge-offs | $392,000 | 1,563 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-58,100 | 6,581 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,294,000 | 2,192 |
| Total interest expense | $9,773,000 | 1,660 |
| Net interest income | $7,521,000 | 2,863 |
| Provision for loan and lease losses | $1,070,000 | 2,604 |
| Total noninterest income | $1,223,000 | 3,008 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $212,000 | 4,682 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,011,000 | 2,100 |
| Total noninterest expense | $6,300,000 | 2,937 |
| Salaries and employee benefits | $2,666,000 | 3,586 |
| Premises and equipment expense | $1,095,000 | 2,423 |
| Additional noninterest expense | $2,539,000 | 2,312 |
| Pre-tax net operating income | $1,374,000 | 3,169 |
| Securities gains (losses) | $419,000 | 440 |
| Applicable income taxes | $552,000 | 1,747 |
| Income before extraordinary items | $1,241,000 | 2,844 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,241,000 | 2,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $909,000 | 2,068 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $951,890 | 3,524 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,806,000 | 2,264 |
| Total interest expense | $7,351,000 | 1,725 |
| Net interest income | $5,455,000 | 2,972 |
| Provision for loan and lease losses | $810,000 | 2,080 |
| Total noninterest income | $1,091,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $156,000 | 4,749 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $935,000 | 1,917 |
| Total noninterest expense | $4,792,000 | 2,881 |
| Salaries and employee benefits | $2,058,000 | 3,523 |
| Premises and equipment expense | $797,000 | 2,504 |
| Additional noninterest expense | $1,937,000 | 2,222 |
| Pre-tax net operating income | $944,000 | 3,791 |
| Securities gains (losses) | $283,000 | 486 |
| Applicable income taxes | $372,000 | 2,242 |
| Income before extraordinary items | $855,000 | 3,434 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $855,000 | 3,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 1,687 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $656,900 | 4,098 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,456,000 | 2,310 |
| Total interest expense | $4,938,000 | 1,793 |
| Net interest income | $3,518,000 | 3,035 |
| Provision for loan and lease losses | $550,000 | 1,800 |
| Total noninterest income | $888,000 | 2,439 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $104,000 | 4,763 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $784,000 | 1,654 |
| Total noninterest expense | $3,261,000 | 2,829 |
| Salaries and employee benefits | $1,457,000 | 3,414 |
| Premises and equipment expense | $503,000 | 2,627 |
| Additional noninterest expense | $1,301,000 | 2,176 |
| Pre-tax net operating income | $595,000 | 4,042 |
| Securities gains (losses) | $233,000 | 550 |
| Applicable income taxes | $251,000 | 2,422 |
| Income before extraordinary items | $577,000 | 3,722 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $577,000 | 3,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,851 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $413,900 | 4,347 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,273,000 | 2,357 |
| Total interest expense | $2,566,000 | 1,826 |
| Net interest income | $1,707,000 | 3,145 |
| Provision for loan and lease losses | $290,000 | 1,438 |
| Total noninterest income | $272,000 | 3,330 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $50,000 | 4,810 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $222,000 | 2,418 |
| Total noninterest expense | $1,687,000 | 2,745 |
| Salaries and employee benefits | $746,000 | 3,369 |
| Premises and equipment expense | $243,000 | 2,714 |
| Additional noninterest expense | $698,000 | 2,019 |
| Pre-tax net operating income | $2,000 | 7,144 |
| Securities gains (losses) | $240,000 | 397 |
| Applicable income taxes | $62,000 | 3,341 |
| Income before extraordinary items | $180,000 | 4,885 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $180,000 | 4,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 1,268 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,400 | 7,160 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,184,000 | 2,513 |
| Total interest expense | $9,305,000 | 2,054 |
| Net interest income | $6,879,000 | 3,150 |
| Provision for loan and lease losses | $588,000 | 2,087 |
| Total noninterest income | $1,250,000 | 3,056 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $193,000 | 4,979 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,057,000 | 2,147 |
| Total noninterest expense | $6,152,000 | 2,901 |
| Salaries and employee benefits | $3,009,000 | 3,218 |
| Premises and equipment expense | $1,079,000 | 2,406 |
| Additional noninterest expense | $2,064,000 | 2,588 |
| Pre-tax net operating income | $1,389,000 | 4,041 |
| Securities gains (losses) | $32,000 | 946 |
| Applicable income taxes | $421,000 | 2,963 |
| Income before extraordinary items | $1,000,000 | 4,329 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,000,000 | 4,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $321,000 | 2,212 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $977,600 | 4,362 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,816,000 | 2,567 |
| Total interest expense | $6,729,000 | 2,114 |
| Net interest income | $5,087,000 | 3,188 |
| Provision for loan and lease losses | $370,000 | 1,978 |
| Total noninterest income | $1,031,000 | 2,849 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $142,000 | 5,040 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $889,000 | 1,993 |
| Total noninterest expense | $4,623,000 | 2,877 |
| Salaries and employee benefits | $2,290,000 | 3,166 |
| Premises and equipment expense | $610,000 | 3,029 |
| Additional noninterest expense | $1,723,000 | 2,309 |
| Pre-tax net operating income | $1,125,000 | 4,094 |
| Securities gains (losses) | $7,000 | 1,103 |
| Applicable income taxes | $338,000 | 3,027 |
| Income before extraordinary items | $794,000 | 4,365 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $794,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $228,000 | 1,801 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $789,100 | 4,372 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,616,000 | 2,660 |
| Total interest expense | $4,248,000 | 2,215 |
| Net interest income | $3,368,000 | 3,223 |
| Provision for loan and lease losses | $231,000 | 1,953 |
| Total noninterest income | $742,000 | 2,715 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $92,000 | 5,104 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $650,000 | 1,873 |
| Total noninterest expense | $3,148,000 | 2,843 |
| Salaries and employee benefits | $1,594,000 | 3,077 |
| Premises and equipment expense | $417,000 | 2,996 |
| Additional noninterest expense | $1,137,000 | 2,338 |
| Pre-tax net operating income | $731,000 | 4,222 |
| Securities gains (losses) | $7,000 | 933 |
| Applicable income taxes | $219,000 | 3,143 |
| Income before extraordinary items | $519,000 | 4,468 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $519,000 | 4,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 1,892 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $514,100 | 4,486 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,593,000 | 2,798 |
| Total interest expense | $1,994,000 | 2,324 |
| Net interest income | $1,599,000 | 3,358 |
| Provision for loan and lease losses | $92,000 | 2,137 |
| Total noninterest income | $325,000 | 2,959 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $46,000 | 5,043 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $279,000 | 2,057 |
| Total noninterest expense | $1,580,000 | 2,846 |
| Salaries and employee benefits | $813,000 | 3,048 |
| Premises and equipment expense | $210,000 | 2,992 |
| Additional noninterest expense | $557,000 | 2,367 |
| Pre-tax net operating income | $252,000 | 5,034 |
| Securities gains (losses) | $7,000 | 755 |
| Applicable income taxes | $72,000 | 3,714 |
| Income before extraordinary items | $187,000 | 5,219 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $187,000 | 5,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 1,190 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $181,960 | 5,259 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,039,000 | 2,880 |
| Total interest expense | $6,824,000 | 2,334 |
| Net interest income | $6,215,000 | 3,433 |
| Provision for loan and lease losses | $513,000 | 1,862 |
| Total noninterest income | $1,014,000 | 3,515 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $168,000 | 5,323 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $846,000 | 2,487 |
| Total noninterest expense | $5,292,000 | 3,199 |
| Salaries and employee benefits | $2,626,000 | 3,487 |
| Premises and equipment expense | $728,000 | 3,234 |
| Additional noninterest expense | $1,938,000 | 2,648 |
| Pre-tax net operating income | $1,424,000 | 4,409 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $453,000 | 3,286 |
| Income before extraordinary items | $971,000 | 4,785 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $971,000 | 4,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 1,993 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $971,000 | 4,771 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,483,000 | 2,937 |
| Total interest expense | $4,881,000 | 2,361 |
| Net interest income | $4,602,000 | 3,487 |
| Provision for loan and lease losses | $347,000 | 1,917 |
| Total noninterest income | $703,000 | 3,704 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $122,000 | 5,437 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $581,000 | 2,631 |
| Total noninterest expense | $3,851,000 | 3,260 |
| Salaries and employee benefits | $1,903,000 | 3,575 |
| Premises and equipment expense | $529,000 | 3,322 |
| Additional noninterest expense | $1,419,000 | 2,692 |
| Pre-tax net operating income | $1,107,000 | 4,501 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $359,000 | 3,333 |
| Income before extraordinary items | $748,000 | 4,866 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $748,000 | 4,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,805 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $748,000 | 4,854 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,100,000 | 2,980 |
| Total interest expense | $3,132,000 | 2,342 |
| Net interest income | $2,968,000 | 3,575 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $417,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $82,000 | 5,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $335,000 | 2,820 |
| Total noninterest expense | $2,496,000 | 3,350 |
| Salaries and employee benefits | $1,221,000 | 3,699 |
| Premises and equipment expense | $339,000 | 3,408 |
| Additional noninterest expense | $936,000 | 2,723 |
| Pre-tax net operating income | $709,000 | 4,603 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $237,000 | 3,397 |
| Income before extraordinary items | $472,000 | 5,024 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $472,000 | 5,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,129 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $472,000 | 5,011 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,006,000 | 2,963 |
| Total interest expense | $1,541,000 | 2,283 |
| Net interest income | $1,465,000 | 3,610 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $209,000 | 3,888 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $39,000 | 5,460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $170,000 | 2,755 |
| Total noninterest expense | $1,213,000 | 3,435 |
| Salaries and employee benefits | $596,000 | 3,786 |
| Premises and equipment expense | $163,000 | 3,538 |
| Additional noninterest expense | $454,000 | 2,788 |
| Pre-tax net operating income | $371,000 | 4,450 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $125,000 | 3,281 |
| Income before extraordinary items | $246,000 | 4,888 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $246,000 | 4,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $246,000 | 4,872 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,734,000 | 2,959 |
| Total interest expense | $5,193,000 | 2,125 |
| Net interest income | $5,541,000 | 3,655 |
| Provision for loan and lease losses | $279,000 | 2,985 |
| Total noninterest income | $807,000 | 4,018 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $179,000 | 5,271 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $628,000 | 2,975 |
| Total noninterest expense | $3,951,000 | 3,897 |
| Salaries and employee benefits | $2,002,000 | 4,119 |
| Premises and equipment expense | $482,000 | 4,291 |
| Additional noninterest expense | $1,467,000 | 3,282 |
| Pre-tax net operating income | $2,118,000 | 3,553 |
| Securities gains (losses) | $-47,000 | 8,155 |
| Applicable income taxes | $677,000 | 2,869 |
| Income before extraordinary items | $1,394,000 | 3,961 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,394,000 | 3,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,136 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,425,490 | 3,879 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,749,000 | 3,012 |
| Total interest expense | $3,769,000 | 2,087 |
| Net interest income | $3,980,000 | 3,779 |
| Provision for loan and lease losses | $209,000 | 2,891 |
| Total noninterest income | $686,000 | 3,779 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $136,000 | 5,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $550,000 | 2,697 |
| Total noninterest expense | $2,900,000 | 3,932 |
| Salaries and employee benefits | $1,457,000 | 4,180 |
| Premises and equipment expense | $333,000 | 4,509 |
| Additional noninterest expense | $1,110,000 | 3,232 |
| Pre-tax net operating income | $1,557,000 | 3,646 |
| Securities gains (losses) | $-47,000 | 8,458 |
| Applicable income taxes | $477,000 | 3,029 |
| Income before extraordinary items | $1,033,000 | 4,068 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,033,000 | 4,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,064,960 | 3,946 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,877,000 | 3,108 |
| Total interest expense | $2,400,000 | 2,065 |
| Net interest income | $2,477,000 | 3,951 |
| Provision for loan and lease losses | $140,000 | 2,787 |
| Total noninterest income | $351,000 | 4,355 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $91,000 | 5,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $260,000 | 3,314 |
| Total noninterest expense | $1,796,000 | 4,158 |
| Salaries and employee benefits | $920,000 | 4,340 |
| Premises and equipment expense | $192,000 | 4,954 |
| Additional noninterest expense | $684,000 | 3,424 |
| Pre-tax net operating income | $892,000 | 4,013 |
| Securities gains (losses) | $-47,000 | 8,580 |
| Applicable income taxes | $259,000 | 3,353 |
| Income before extraordinary items | $586,000 | 4,482 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $586,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $618,430 | 4,286 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,339,000 | 3,182 |
| Total interest expense | $1,127,000 | 2,090 |
| Net interest income | $1,212,000 | 4,029 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $159,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $41,000 | 5,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $118,000 | 3,435 |
| Total noninterest expense | $813,000 | 4,512 |
| Salaries and employee benefits | $439,000 | 4,517 |
| Premises and equipment expense | $86,000 | 5,371 |
| Additional noninterest expense | $288,000 | 3,930 |
| Pre-tax net operating income | $488,000 | 3,742 |
| Securities gains (losses) | $-47,000 | 8,778 |
| Applicable income taxes | $123,000 | 3,424 |
| Income before extraordinary items | $318,000 | 4,205 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $318,000 | 4,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $351,840 | 3,906 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,241,000 | 3,339 |
| Total interest expense | $3,808,000 | 2,135 |
| Net interest income | $4,433,000 | 4,163 |
| Provision for loan and lease losses | $229,000 | 3,467 |
| Total noninterest income | $848,000 | 3,912 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $157,000 | 5,693 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $691,000 | 2,725 |
| Total noninterest expense | $3,318,000 | 4,349 |
| Salaries and employee benefits | $1,826,000 | 4,291 |
| Premises and equipment expense | $308,000 | 5,606 |
| Additional noninterest expense | $1,184,000 | 3,785 |
| Pre-tax net operating income | $1,734,000 | 3,871 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $571,000 | 3,119 |
| Income before extraordinary items | $1,163,000 | 4,288 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,163,000 | 4,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,862 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,163,000 | 4,217 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,919,000 | 3,422 |
| Total interest expense | $2,729,000 | 2,185 |
| Net interest income | $3,190,000 | 4,295 |
| Provision for loan and lease losses | $199,000 | 3,004 |
| Total noninterest income | $666,000 | 3,844 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $115,000 | 5,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $551,000 | 2,647 |
| Total noninterest expense | $2,494,000 | 4,306 |
| Salaries and employee benefits | $1,394,000 | 4,194 |
| Premises and equipment expense | $225,000 | 5,643 |
| Additional noninterest expense | $875,000 | 3,817 |
| Pre-tax net operating income | $1,163,000 | 4,234 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $379,000 | 3,397 |
| Income before extraordinary items | $784,000 | 4,677 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $784,000 | 4,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,216 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $784,000 | 4,597 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,811,000 | 3,509 |
| Total interest expense | $1,757,000 | 2,231 |
| Net interest income | $2,054,000 | 4,389 |
| Provision for loan and lease losses | $169,000 | 2,521 |
| Total noninterest income | $506,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $72,000 | 5,920 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $434,000 | 2,399 |
| Total noninterest expense | $1,718,000 | 4,234 |
| Salaries and employee benefits | $993,000 | 4,001 |
| Premises and equipment expense | $150,000 | 5,660 |
| Additional noninterest expense | $575,000 | 3,873 |
| Pre-tax net operating income | $673,000 | 4,544 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $216,000 | 3,626 |
| Income before extraordinary items | $457,000 | 4,963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $457,000 | 4,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,524 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $457,000 | 4,879 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 3,590 |
| Total interest expense | $877,000 | 2,257 |
| Net interest income | $985,000 | 4,532 |
| Provision for loan and lease losses | $85,000 | 2,404 |
| Total noninterest income | $206,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $173,000 | 2,700 |
| Total noninterest expense | $836,000 | 4,346 |
| Salaries and employee benefits | $501,000 | 3,997 |
| Premises and equipment expense | $71,000 | 5,842 |
| Additional noninterest expense | $264,000 | 4,140 |
| Pre-tax net operating income | $270,000 | 5,079 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $94,000 | 3,887 |
| Income before extraordinary items | $176,000 | 5,644 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $176,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,147 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $176,000 | 5,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,203,000 | 3,726 |
| Total interest expense | $3,461,000 | 2,514 |
| Net interest income | $3,742,000 | 4,584 |
| Provision for loan and lease losses | $233,000 | 3,741 |
| Total noninterest income | $1,505,000 | 2,839 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $117,000 | 6,317 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,388,000 | 1,922 |
| Total noninterest expense | $3,223,000 | 4,389 |
| Salaries and employee benefits | $1,907,000 | 4,080 |
| Premises and equipment expense | $302,000 | 5,646 |
| Additional noninterest expense | $1,014,000 | 4,228 |
| Pre-tax net operating income | $1,791,000 | 3,644 |
| Securities gains (losses) | $15,000 | 3,390 |
| Applicable income taxes | $624,000 | 2,978 |
| Income before extraordinary items | $1,182,000 | 4,177 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,182,000 | 4,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,172,250 | 4,025 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,391,000 | 3,783 |
| Total interest expense | $2,617,000 | 2,589 |
| Net interest income | $2,774,000 | 4,640 |
| Provision for loan and lease losses | $175,000 | 3,642 |
| Total noninterest income | $1,302,000 | 2,607 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $82,000 | 6,466 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,220,000 | 1,782 |
| Total noninterest expense | $2,455,000 | 4,331 |
| Salaries and employee benefits | $1,488,000 | 3,943 |
| Premises and equipment expense | $211,000 | 5,852 |
| Additional noninterest expense | $756,000 | 4,238 |
| Pre-tax net operating income | $1,446,000 | 3,594 |
| Securities gains (losses) | $15,000 | 3,125 |
| Applicable income taxes | $504,000 | 3,012 |
| Income before extraordinary items | $957,000 | 4,097 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $957,000 | 4,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $947,100 | 3,948 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,547,000 | 3,852 |
| Total interest expense | $1,766,000 | 2,627 |
| Net interest income | $1,781,000 | 4,751 |
| Provision for loan and lease losses | $116,000 | 3,625 |
| Total noninterest income | $780,000 | 2,808 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $49,000 | 6,621 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $731,000 | 1,902 |
| Total noninterest expense | $1,543,000 | 4,496 |
| Salaries and employee benefits | $911,000 | 4,219 |
| Premises and equipment expense | $123,000 | 6,193 |
| Additional noninterest expense | $509,000 | 4,184 |
| Pre-tax net operating income | $902,000 | 3,754 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $311,000 | 3,180 |
| Income before extraordinary items | $591,000 | 4,345 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $591,000 | 4,344 |
| 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 | $591,000 | 4,135 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,720,000 | 3,980 |
| Total interest expense | $891,000 | 2,666 |
| Net interest income | $829,000 | 4,964 |
| Provision for loan and lease losses | $58,000 | 3,492 |
| Total noninterest income | $381,000 | 2,762 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $358,000 | 1,871 |
| Total noninterest expense | $757,000 | 4,541 |
| Salaries and employee benefits | $446,000 | 4,270 |
| Premises and equipment expense | $62,000 | 6,190 |
| Additional noninterest expense | $249,000 | 4,226 |
| Pre-tax net operating income | $395,000 | 4,064 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $137,000 | 3,381 |
| Income before extraordinary items | $258,000 | 4,634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 4,634 |
| 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 | $258,000 | 4,426 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,750,000 | 4,175 |
| Total interest expense | $3,571,000 | 3,037 |
| Net interest income | $3,179,000 | 5,103 |
| Provision for loan and lease losses | $415,000 | 2,759 |
| Total noninterest income | $1,061,000 | 3,339 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $79,000 | 6,958 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $982,000 | 2,209 |
| Total noninterest expense | $2,662,000 | 4,868 |
| Salaries and employee benefits | $1,443,000 | 4,837 |
| Premises and equipment expense | $297,000 | 5,624 |
| Additional noninterest expense | $922,000 | 4,456 |
| Pre-tax net operating income | $1,163,000 | 4,799 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $405,000 | 3,866 |
| Income before extraordinary items | $758,000 | 5,348 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $758,000 | 5,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,632 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $758,000 | 5,206 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,144,000 | 5,521 |
| Total interest expense | $2,899,000 | 4,858 |
| Net interest income | $2,245,000 | 6,060 |
| Provision for loan and lease losses | $527,000 | 2,116 |
| Total noninterest income | $680,000 | 4,259 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $30,000 | 7,982 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $650,000 | 2,692 |
| Total noninterest expense | $2,236,000 | 5,327 |
| Salaries and employee benefits | $1,150,000 | 5,482 |
| Premises and equipment expense | $316,000 | 5,361 |
| Additional noninterest expense | $770,000 | 4,920 |
| Pre-tax net operating income | $162,000 | 8,055 |
| Securities gains (losses) | $12,000 | 3,497 |
| Applicable income taxes | $-125,000 | 9,303 |
| Income before extraordinary items | $299,000 | 7,155 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $299,000 | 7,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $287,000 | 7,098 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,313,000 | 8,112 |
| Total interest expense | $1,165,000 | 7,879 |
| Net interest income | $1,148,000 | 8,193 |
| Provision for loan and lease losses | $450,000 | 2,054 |
| Total noninterest income | $245,000 | 6,823 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 8,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $233,000 | 4,442 |
| Total noninterest expense | $1,507,000 | 6,736 |
| Salaries and employee benefits | $778,000 | 6,836 |
| Premises and equipment expense | $192,000 | 6,890 |
| Additional noninterest expense | $537,000 | 6,149 |
| Pre-tax net operating income | $-564,000 | 9,570 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-564,000 | 9,604 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-564,000 | 9,603 |
| 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 | $6,700,000 | 132 |
| Net operating income | $-564,000 | 9,604 |
* 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.