Home > The Bank of Waynesboro > Income and Expense
The Bank of Waynesboro, Income and Expense
| 2020-06-30 (YTD Data) | Rank | |
| Total interest income | $4,172,000 | 2,864 |
| Total interest expense | $515,000 | 3,094 |
| Net interest income | $3,657,000 | 2,778 |
| Provision for loan and lease losses | $416,000 | 1,767 |
| Total noninterest income | $741,000 | 2,360 |
| Gross Fiduciary activities income | $0 | 970 |
| Service charges on deposit accounts | $236,000 | 1,697 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $505,000 | 2,361 |
| Total noninterest expense | $3,200,000 | 2,578 |
| Salaries and employee benefits | $1,790,000 | 2,660 |
| Premises and equipment expense | $269,000 | 2,935 |
| Additional noninterest expense | $1,141,000 | 2,295 |
| Pre-tax net operating income | $782,000 | 3,256 |
| Securities gains (losses) | $7,000 | 1,953 |
| Applicable income taxes | $180,000 | 2,144 |
| Income before extraordinary items | $609,000 | 3,446 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $609,000 | 3,446 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $609,000 | 3,446 |
| Net charge-offs | $22,000 | 2,145 |
| Cash dividends | $0 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 504 |
| Net operating income | $603,470 | 3,394 |
| 2020-03-31 (YTD Data) | Rank | |
| Total interest income | $2,161,000 | 2,804 |
| Total interest expense | $272,000 | 3,140 |
| Net interest income | $1,889,000 | 2,699 |
| Provision for loan and lease losses | $158,000 | 1,606 |
| Total noninterest income | $249,000 | 2,740 |
| Gross Fiduciary activities income | $0 | 941 |
| Service charges on deposit accounts | $149,000 | 1,633 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 3,179 |
| Total noninterest expense | $1,388,000 | 2,844 |
| Salaries and employee benefits | $850,000 | 2,744 |
| Premises and equipment expense | $127,000 | 3,055 |
| Additional noninterest expense | $411,000 | 2,881 |
| Pre-tax net operating income | $592,000 | 2,566 |
| Securities gains (losses) | $6,000 | 1,418 |
| Applicable income taxes | $146,000 | 1,654 |
| Income before extraordinary items | $452,000 | 2,764 |
| Extraordinary gains, net | $0 | 4 |
| Net income | $452,000 | 2,763 |
| Minority interest net income | $0 | 56 |
| Net income of bank and minority interests. | $452,000 | 2,765 |
| Net charge-offs | $11,000 | 1,834 |
| Cash dividends | $0 | 2,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 482 |
| Net operating income | $447,260 | 2,766 |
| 2019-12-31 (YTD Data) | Rank | |
| Total interest income | $8,910,000 | 2,787 |
| Total interest expense | $1,074,000 | 3,202 |
| Net interest income | $7,836,000 | 2,656 |
| Provision for loan and lease losses | $421,000 | 1,639 |
| Total noninterest income | $1,426,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,051 |
| Service charges on deposit accounts | $554,000 | 1,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $872,000 | 2,407 |
| Total noninterest expense | $5,426,000 | 2,862 |
| Salaries and employee benefits | $3,364,000 | 2,726 |
| Premises and equipment expense | $551,000 | 2,953 |
| Additional noninterest expense | $1,511,000 | 3,074 |
| Pre-tax net operating income | $3,415,000 | 2,274 |
| Securities gains (losses) | $34,000 | 1,408 |
| Applicable income taxes | $731,000 | 1,672 |
| Income before extraordinary items | $2,718,000 | 2,444 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $2,718,000 | 2,445 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $2,718,000 | 2,446 |
| Net charge-offs | $419,000 | 1,168 |
| Cash dividends | $1,800,000 | 1,685 |
| Sale, conversion, retirement of capital stock, net | $0 | 626 |
| Net operating income | $2,691,140 | 2,419 |
| 2019-09-30 (YTD Data) | Rank | |
| Total interest income | $6,689,000 | 2,812 |
| Total interest expense | $789,000 | 3,261 |
| Net interest income | $5,900,000 | 2,683 |
| Provision for loan and lease losses | $418,000 | 1,323 |
| Total noninterest income | $1,184,000 | 2,243 |
| Gross Fiduciary activities income | $0 | 1,014 |
| Service charges on deposit accounts | $410,000 | 1,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $774,000 | 2,211 |
| Total noninterest expense | $4,014,000 | 2,899 |
| Salaries and employee benefits | $2,538,000 | 2,732 |
| Premises and equipment expense | $400,000 | 3,019 |
| Additional noninterest expense | $1,076,000 | 3,200 |
| Pre-tax net operating income | $2,652,000 | 2,278 |
| Securities gains (losses) | $16,000 | 1,515 |
| Applicable income taxes | $560,000 | 1,702 |
| Income before extraordinary items | $2,108,000 | 2,443 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $2,108,000 | 2,444 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $2,108,000 | 2,444 |
| Net charge-offs | $87,000 | 1,851 |
| Cash dividends | $900,000 | 1,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 590 |
| Net operating income | $2,095,360 | 2,427 |
| 2019-06-30 (YTD Data) | Rank | |
| Total interest income | $4,448,000 | 2,821 |
| Total interest expense | $501,000 | 3,313 |
| Net interest income | $3,947,000 | 2,694 |
| Provision for loan and lease losses | $415,000 | 986 |
| Total noninterest income | $939,000 | 2,019 |
| Gross Fiduciary activities income | $0 | 1,004 |
| Service charges on deposit accounts | $260,000 | 1,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $679,000 | 1,876 |
| Total noninterest expense | $2,698,000 | 2,891 |
| Salaries and employee benefits | $1,689,000 | 2,755 |
| Premises and equipment expense | $274,000 | 2,989 |
| Additional noninterest expense | $735,000 | 3,178 |
| Pre-tax net operating income | $1,773,000 | 2,246 |
| Securities gains (losses) | $10,000 | 1,220 |
| Applicable income taxes | $341,000 | 1,758 |
| Income before extraordinary items | $1,442,000 | 2,387 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $1,442,000 | 2,386 |
| Minority interest net income | $0 | 69 |
| Net income of bank and minority interests. | $1,442,000 | 2,387 |
| Net charge-offs | $21,000 | 2,329 |
| Cash dividends | $900,000 | 1,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 573 |
| Net operating income | $1,433,900 | 2,366 |
| 2019-03-31 (YTD Data) | Rank | |
| Total interest income | $2,195,000 | 2,860 |
| Total interest expense | $230,000 | 3,406 |
| Net interest income | $1,965,000 | 2,720 |
| Provision for loan and lease losses | $12,000 | 3,026 |
| Total noninterest income | $296,000 | 2,533 |
| Gross Fiduciary activities income | $0 | 972 |
| Service charges on deposit accounts | $128,000 | 1,868 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $168,000 | 2,621 |
| Total noninterest expense | $1,323,000 | 2,955 |
| Salaries and employee benefits | $839,000 | 2,786 |
| Premises and equipment expense | $135,000 | 3,043 |
| Additional noninterest expense | $349,000 | 3,277 |
| Pre-tax net operating income | $926,000 | 2,159 |
| Securities gains (losses) | $9,000 | 735 |
| Applicable income taxes | $235,000 | 1,450 |
| Income before extraordinary items | $700,000 | 2,368 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $700,000 | 2,366 |
| Minority interest net income | $0 | 52 |
| Net income of bank and minority interests. | $700,000 | 2,367 |
| Net charge-offs | $23,000 | 1,634 |
| Cash dividends | $0 | 2,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 529 |
| Net operating income | $692,890 | 2,370 |
| 2018-12-31 (YTD Data) | Rank | |
| Total interest income | $8,103,000 | 2,912 |
| Total interest expense | $721,000 | 3,408 |
| Net interest income | $7,382,000 | 2,802 |
| Provision for loan and lease losses | $162,000 | 2,571 |
| Total noninterest income | $1,123,000 | 2,702 |
| Gross Fiduciary activities income | $0 | 1,098 |
| Service charges on deposit accounts | $622,000 | 1,693 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $501,000 | 3,061 |
| Total noninterest expense | $5,288,000 | 2,946 |
| Salaries and employee benefits | $3,249,000 | 2,811 |
| Premises and equipment expense | $560,000 | 2,962 |
| Additional noninterest expense | $1,479,000 | 3,191 |
| Pre-tax net operating income | $3,055,000 | 2,473 |
| Securities gains (losses) | $3,000 | 894 |
| Applicable income taxes | $747,000 | 1,632 |
| Income before extraordinary items | $2,311,000 | 2,714 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $2,311,000 | 2,712 |
| Minority interest net income | $0 | 72 |
| Net income of bank and minority interests. | $2,311,000 | 2,713 |
| Net charge-offs | $124,000 | 1,994 |
| Cash dividends | $1,650,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 671 |
| Net operating income | $2,308,630 | 2,703 |
| 2018-09-30 (YTD Data) | Rank | |
| Total interest income | $5,971,000 | 2,951 |
| Total interest expense | $516,000 | 3,425 |
| Net interest income | $5,455,000 | 2,838 |
| Provision for loan and lease losses | $84,000 | 2,844 |
| Total noninterest income | $830,000 | 2,750 |
| Gross Fiduciary activities income | $0 | 1,048 |
| Service charges on deposit accounts | $476,000 | 1,676 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $354,000 | 3,176 |
| Total noninterest expense | $3,905,000 | 2,989 |
| Salaries and employee benefits | $2,398,000 | 2,846 |
| Premises and equipment expense | $434,000 | 2,927 |
| Additional noninterest expense | $1,073,000 | 3,264 |
| Pre-tax net operating income | $2,296,000 | 2,517 |
| Securities gains (losses) | $2,000 | 952 |
| Applicable income taxes | $569,000 | 1,678 |
| Income before extraordinary items | $1,729,000 | 2,769 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,729,000 | 2,768 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $1,729,000 | 2,768 |
| Net charge-offs | $62,000 | 2,052 |
| Cash dividends | $750,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 633 |
| Net operating income | $1,727,420 | 2,757 |
| 2018-06-30 (YTD Data) | Rank | |
| Total interest income | $3,866,000 | 2,986 |
| Total interest expense | $323,000 | 3,456 |
| Net interest income | $3,543,000 | 2,897 |
| Provision for loan and lease losses | $5,000 | 3,680 |
| Total noninterest income | $543,000 | 2,766 |
| Gross Fiduciary activities income | $0 | 1,037 |
| Service charges on deposit accounts | $320,000 | 1,645 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $223,000 | 3,238 |
| Total noninterest expense | $2,572,000 | 3,037 |
| Salaries and employee benefits | $1,585,000 | 2,891 |
| Premises and equipment expense | $280,000 | 2,995 |
| Additional noninterest expense | $707,000 | 3,312 |
| Pre-tax net operating income | $1,509,000 | 2,512 |
| Securities gains (losses) | $2,000 | 815 |
| Applicable income taxes | $374,000 | 1,668 |
| Income before extraordinary items | $1,137,000 | 2,751 |
| Extraordinary gains, net | $0 | 6 |
| Net income | $1,137,000 | 2,750 |
| Minority interest net income | $0 | 65 |
| Net income of bank and minority interests. | $1,137,000 | 2,750 |
| Net charge-offs | $63,000 | 1,604 |
| Cash dividends | $750,000 | 1,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 620 |
| Net operating income | $1,135,420 | 2,744 |
| 2018-03-31 (YTD Data) | Rank | |
| Total interest income | $1,866,000 | 3,057 |
| Total interest expense | $147,000 | 3,556 |
| Net interest income | $1,719,000 | 2,969 |
| Provision for loan and lease losses | $0 | 3,508 |
| Total noninterest income | $266,000 | 2,777 |
| Gross Fiduciary activities income | $0 | 1,003 |
| Service charges on deposit accounts | $150,000 | 1,752 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 3,148 |
| Total noninterest expense | $1,251,000 | 3,102 |
| Salaries and employee benefits | $768,000 | 2,963 |
| Premises and equipment expense | $135,000 | 3,086 |
| Additional noninterest expense | $348,000 | 3,358 |
| Pre-tax net operating income | $734,000 | 2,522 |
| Securities gains (losses) | $2,000 | 619 |
| Applicable income taxes | $182,000 | 1,661 |
| Income before extraordinary items | $554,000 | 2,739 |
| Extraordinary gains, net | $0 | 7 |
| Net income | $554,000 | 2,739 |
| Minority interest net income | $0 | 52 |
| Net income of bank and minority interests. | $554,000 | 2,739 |
| Net charge-offs | $10,000 | 1,963 |
| Cash dividends | $0 | 2,774 |
| Sale, conversion, retirement of capital stock, net | $0 | 580 |
| Net operating income | $552,420 | 2,737 |
| 2017-12-31 (YTD Data) | Rank | |
| Total interest income | $7,284,000 | 3,051 |
| Total interest expense | $490,000 | 3,699 |
| Net interest income | $6,794,000 | 2,950 |
| Provision for loan and lease losses | $378,000 | 1,720 |
| Total noninterest income | $1,863,000 | 2,124 |
| Gross Fiduciary activities income | $0 | 1,137 |
| Service charges on deposit accounts | $708,000 | 1,554 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,155,000 | 2,116 |
| Total noninterest expense | $4,619,000 | 3,255 |
| Salaries and employee benefits | $2,795,000 | 3,126 |
| Premises and equipment expense | $437,000 | 3,504 |
| Additional noninterest expense | $1,387,000 | 3,374 |
| Pre-tax net operating income | $3,660,000 | 2,163 |
| Securities gains (losses) | $-7,000 | 5,011 |
| Applicable income taxes | $1,161,000 | 1,742 |
| Income before extraordinary items | $2,492,000 | 2,336 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $2,492,000 | 2,336 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $2,492,000 | 2,336 |
| Net charge-offs | $463,000 | 1,147 |
| Cash dividends | $1,800,000 | 1,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 711 |
| Net operating income | $2,496,760 | 2,303 |
| 2017-09-30 (YTD Data) | Rank | |
| Total interest income | $5,446,000 | 3,076 |
| Total interest expense | $358,000 | 3,761 |
| Net interest income | $5,088,000 | 2,972 |
| Provision for loan and lease losses | $39,000 | 3,437 |
| Total noninterest income | $883,000 | 2,743 |
| Gross Fiduciary activities income | $0 | 1,093 |
| Service charges on deposit accounts | $523,000 | 1,585 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $360,000 | 3,233 |
| Total noninterest expense | $3,492,000 | 3,256 |
| Salaries and employee benefits | $2,109,000 | 3,127 |
| Premises and equipment expense | $339,000 | 3,473 |
| Additional noninterest expense | $1,044,000 | 3,387 |
| Pre-tax net operating income | $2,440,000 | 2,403 |
| Securities gains (losses) | $-7,000 | 5,348 |
| Applicable income taxes | $873,000 | 1,586 |
| Income before extraordinary items | $1,560,000 | 2,790 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,560,000 | 2,789 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,560,000 | 2,790 |
| Net charge-offs | $275,000 | 1,176 |
| Cash dividends | $750,000 | 1,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 677 |
| Net operating income | $1,564,480 | 2,765 |
| 2017-06-30 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 3,056 |
| Total interest expense | $237,000 | 3,750 |
| Net interest income | $3,405,000 | 2,950 |
| Provision for loan and lease losses | $0 | 3,871 |
| Total noninterest income | $596,000 | 2,723 |
| Gross Fiduciary activities income | $0 | 1,079 |
| Service charges on deposit accounts | $322,000 | 1,663 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $274,000 | 3,064 |
| Total noninterest expense | $2,288,000 | 3,317 |
| Salaries and employee benefits | $1,366,000 | 3,199 |
| Premises and equipment expense | $220,000 | 3,542 |
| Additional noninterest expense | $702,000 | 3,390 |
| Pre-tax net operating income | $1,713,000 | 2,259 |
| Securities gains (losses) | $-5,000 | 5,412 |
| Applicable income taxes | $616,000 | 1,519 |
| Income before extraordinary items | $1,092,000 | 2,679 |
| Extraordinary gains, net | $0 | 11 |
| Net income | $1,092,000 | 2,678 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,092,000 | 2,679 |
| Net charge-offs | $182,000 | 1,112 |
| Cash dividends | $750,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $1,095,200 | 2,658 |
| 2017-03-31 (YTD Data) | Rank | |
| Total interest income | $1,752,000 | 3,141 |
| Total interest expense | $119,000 | 3,733 |
| Net interest income | $1,633,000 | 3,032 |
| Provision for loan and lease losses | $0 | 3,537 |
| Total noninterest income | $294,000 | 2,736 |
| Gross Fiduciary activities income | $0 | 1,045 |
| Service charges on deposit accounts | $148,000 | 1,776 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 2,965 |
| Total noninterest expense | $1,141,000 | 3,351 |
| Salaries and employee benefits | $688,000 | 3,220 |
| Premises and equipment expense | $108,000 | 3,605 |
| Additional noninterest expense | $345,000 | 3,421 |
| Pre-tax net operating income | $786,000 | 2,318 |
| Securities gains (losses) | $0 | 1,153 |
| Applicable income taxes | $282,000 | 1,541 |
| Income before extraordinary items | $504,000 | 2,740 |
| Extraordinary gains, net | $0 | 8 |
| Net income | $504,000 | 2,740 |
| Minority interest net income | $0 | 55 |
| Net income of bank and minority interests. | $504,000 | 2,740 |
| Net charge-offs | $63,000 | 1,185 |
| Cash dividends | $0 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 632 |
| Net operating income | $504,000 | 2,725 |
| 2016-12-31 (YTD Data) | Rank | |
| Total interest income | $6,943,000 | 3,139 |
| Total interest expense | $502,000 | 3,636 |
| Net interest income | $6,441,000 | 3,047 |
| Provision for loan and lease losses | $0 | 4,332 |
| Total noninterest income | $1,089,000 | 2,905 |
| Gross Fiduciary activities income | $0 | 1,172 |
| Service charges on deposit accounts | $642,000 | 1,722 |
| Trading account gains and fees | $0 | 170 |
| Additional Noninterest Income | $447,000 | 3,403 |
| Total noninterest expense | $4,465,000 | 3,430 |
| Salaries and employee benefits | $2,617,000 | 3,317 |
| Premises and equipment expense | $461,000 | 3,524 |
| Additional noninterest expense | $1,387,000 | 3,503 |
| Pre-tax net operating income | $3,065,000 | 2,364 |
| Securities gains (losses) | $6,000 | 2,819 |
| Applicable income taxes | $1,096,000 | 1,557 |
| Income before extraordinary items | $1,975,000 | 2,818 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,975,000 | 2,816 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,975,000 | 2,817 |
| Net charge-offs | $61,000 | 2,991 |
| Cash dividends | $1,425,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 759 |
| Net operating income | $1,971,160 | 2,769 |
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $5,192,000 | 3,160 |
| Total interest expense | $380,000 | 3,647 |
| Net interest income | $4,812,000 | 3,067 |
| Provision for loan and lease losses | $0 | 4,186 |
| Total noninterest income | $805,000 | 2,936 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $453,000 | 1,797 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $352,000 | 3,360 |
| Total noninterest expense | $3,328,000 | 3,436 |
| Salaries and employee benefits | $1,938,000 | 3,331 |
| Premises and equipment expense | $339,000 | 3,571 |
| Additional noninterest expense | $1,051,000 | 3,505 |
| Pre-tax net operating income | $2,289,000 | 2,401 |
| Securities gains (losses) | $6,000 | 2,746 |
| Applicable income taxes | $851,000 | 1,573 |
| Income before extraordinary items | $1,444,000 | 2,880 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $1,444,000 | 2,880 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,444,000 | 2,880 |
| Net charge-offs | $34,000 | 2,829 |
| Cash dividends | $675,000 | 2,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $1,440,160 | 2,834 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $3,418,000 | 3,193 |
| Total interest expense | $255,000 | 3,652 |
| Net interest income | $3,163,000 | 3,110 |
| Provision for loan and lease losses | $0 | 4,017 |
| Total noninterest income | $467,000 | 3,153 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $271,000 | 1,930 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $196,000 | 3,631 |
| Total noninterest expense | $2,193,000 | 3,484 |
| Salaries and employee benefits | $1,282,000 | 3,375 |
| Premises and equipment expense | $206,000 | 3,766 |
| Additional noninterest expense | $705,000 | 3,518 |
| Pre-tax net operating income | $1,437,000 | 2,476 |
| Securities gains (losses) | $6,000 | 2,403 |
| Applicable income taxes | $533,000 | 1,601 |
| Income before extraordinary items | $910,000 | 2,955 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $910,000 | 2,953 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $910,000 | 2,954 |
| Net charge-offs | $43,000 | 2,261 |
| Cash dividends | $675,000 | 1,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $906,160 | 2,889 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 3,214 |
| Total interest expense | $129,000 | 3,655 |
| Net interest income | $1,568,000 | 3,133 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $226,000 | 3,172 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $131,000 | 1,977 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $95,000 | 3,625 |
| Total noninterest expense | $1,068,000 | 3,567 |
| Salaries and employee benefits | $619,000 | 3,460 |
| Premises and equipment expense | $103,000 | 3,806 |
| Additional noninterest expense | $346,000 | 3,568 |
| Pre-tax net operating income | $726,000 | 2,426 |
| Securities gains (losses) | $1,000 | 1,958 |
| Applicable income taxes | $260,000 | 1,612 |
| Income before extraordinary items | $467,000 | 2,855 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $467,000 | 2,854 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $467,000 | 2,855 |
| Net charge-offs | $37,000 | 1,626 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $466,360 | 2,815 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $6,604,000 | 3,245 |
| Total interest expense | $541,000 | 3,587 |
| Net interest income | $6,063,000 | 3,172 |
| Provision for loan and lease losses | $8,000 | 4,264 |
| Total noninterest income | $886,000 | 3,282 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $572,000 | 1,902 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $314,000 | 3,919 |
| Total noninterest expense | $4,214,000 | 3,604 |
| Salaries and employee benefits | $2,461,000 | 3,453 |
| Premises and equipment expense | $414,000 | 3,841 |
| Additional noninterest expense | $1,339,000 | 3,668 |
| Pre-tax net operating income | $2,727,000 | 2,482 |
| Securities gains (losses) | $27,000 | 2,055 |
| Applicable income taxes | $986,000 | 1,603 |
| Income before extraordinary items | $1,768,000 | 2,946 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,768,000 | 2,948 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,768,000 | 2,948 |
| Net charge-offs | $342,000 | 1,494 |
| Cash dividends | $1,200,000 | 1,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $1,750,720 | 2,914 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $4,939,000 | 3,275 |
| Total interest expense | $412,000 | 3,609 |
| Net interest income | $4,527,000 | 3,199 |
| Provision for loan and lease losses | $8,000 | 4,086 |
| Total noninterest income | $627,000 | 3,396 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $418,000 | 1,971 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $209,000 | 4,084 |
| Total noninterest expense | $3,135,000 | 3,638 |
| Salaries and employee benefits | $1,819,000 | 3,493 |
| Premises and equipment expense | $320,000 | 3,833 |
| Additional noninterest expense | $996,000 | 3,702 |
| Pre-tax net operating income | $2,011,000 | 2,563 |
| Securities gains (losses) | $26,000 | 1,874 |
| Applicable income taxes | $729,000 | 1,662 |
| Income before extraordinary items | $1,308,000 | 3,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,308,000 | 3,039 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,308,000 | 3,040 |
| Net charge-offs | $207,000 | 1,523 |
| Cash dividends | $600,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $1,291,360 | 3,002 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $3,241,000 | 3,318 |
| Total interest expense | $277,000 | 3,624 |
| Net interest income | $2,964,000 | 3,248 |
| Provision for loan and lease losses | $8,000 | 3,847 |
| Total noninterest income | $346,000 | 3,683 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $262,000 | 2,028 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $84,000 | 4,697 |
| Total noninterest expense | $2,072,000 | 3,695 |
| Salaries and employee benefits | $1,219,000 | 3,509 |
| Premises and equipment expense | $210,000 | 3,890 |
| Additional noninterest expense | $643,000 | 3,808 |
| Pre-tax net operating income | $1,230,000 | 2,692 |
| Securities gains (losses) | $26,000 | 1,576 |
| Applicable income taxes | $448,000 | 1,733 |
| Income before extraordinary items | $808,000 | 3,134 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $808,000 | 3,134 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $808,000 | 3,135 |
| Net charge-offs | $179,000 | 1,260 |
| Cash dividends | $600,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $791,360 | 3,116 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,611,000 | 3,341 |
| Total interest expense | $141,000 | 3,605 |
| Net interest income | $1,470,000 | 3,268 |
| Provision for loan and lease losses | $6,000 | 3,402 |
| Total noninterest income | $142,000 | 4,007 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $128,000 | 2,046 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $14,000 | 5,610 |
| Total noninterest expense | $1,037,000 | 3,710 |
| Salaries and employee benefits | $607,000 | 3,543 |
| Premises and equipment expense | $104,000 | 3,947 |
| Additional noninterest expense | $326,000 | 3,770 |
| Pre-tax net operating income | $569,000 | 2,790 |
| Securities gains (losses) | $25,000 | 1,138 |
| Applicable income taxes | $211,000 | 1,776 |
| Income before extraordinary items | $383,000 | 3,205 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $383,000 | 3,208 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $383,000 | 3,208 |
| Net charge-offs | $53,000 | 1,514 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $367,000 | 3,203 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $6,639,000 | 3,308 |
| Total interest expense | $621,000 | 3,541 |
| Net interest income | $6,018,000 | 3,240 |
| Provision for loan and lease losses | $154,000 | 2,752 |
| Total noninterest income | $899,000 | 3,280 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $602,000 | 1,956 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $297,000 | 4,032 |
| Total noninterest expense | $4,005,000 | 3,834 |
| Salaries and employee benefits | $2,348,000 | 3,643 |
| Premises and equipment expense | $425,000 | 3,954 |
| Additional noninterest expense | $1,232,000 | 4,005 |
| Pre-tax net operating income | $2,758,000 | 2,408 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $983,000 | 1,557 |
| Income before extraordinary items | $1,775,000 | 2,916 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,775,000 | 2,915 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,775,000 | 2,916 |
| Net charge-offs | $210,000 | 2,403 |
| Cash dividends | $1,200,000 | 1,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,775,000 | 2,876 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $5,014,000 | 3,318 |
| Total interest expense | $473,000 | 3,562 |
| Net interest income | $4,541,000 | 3,247 |
| Provision for loan and lease losses | $15,000 | 4,038 |
| Total noninterest income | $685,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $455,000 | 1,950 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $230,000 | 4,022 |
| Total noninterest expense | $3,021,000 | 3,837 |
| Salaries and employee benefits | $1,791,000 | 3,594 |
| Premises and equipment expense | $329,000 | 3,955 |
| Additional noninterest expense | $901,000 | 4,080 |
| Pre-tax net operating income | $2,190,000 | 2,369 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $788,000 | 1,534 |
| Income before extraordinary items | $1,402,000 | 2,862 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,402,000 | 2,863 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $1,402,000 | 2,863 |
| Net charge-offs | $88,000 | 2,805 |
| Cash dividends | $600,000 | 2,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $1,402,000 | 2,811 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $3,321,000 | 3,343 |
| Total interest expense | $316,000 | 3,593 |
| Net interest income | $3,005,000 | 3,268 |
| Provision for loan and lease losses | $6,000 | 4,008 |
| Total noninterest income | $474,000 | 3,210 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $298,000 | 1,959 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $176,000 | 3,828 |
| Total noninterest expense | $2,053,000 | 3,816 |
| Salaries and employee benefits | $1,197,000 | 3,615 |
| Premises and equipment expense | $214,000 | 4,039 |
| Additional noninterest expense | $642,000 | 3,942 |
| Pre-tax net operating income | $1,420,000 | 2,357 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $413,000 | 1,730 |
| Income before extraordinary items | $1,007,000 | 2,628 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,007,000 | 2,632 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,007,000 | 2,632 |
| Net charge-offs | $54,000 | 2,722 |
| Cash dividends | $600,000 | 1,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $1,007,000 | 2,582 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,642,000 | 3,377 |
| Total interest expense | $157,000 | 3,672 |
| Net interest income | $1,485,000 | 3,295 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $239,000 | 3,132 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $144,000 | 2,006 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $95,000 | 3,652 |
| Total noninterest expense | $993,000 | 3,920 |
| Salaries and employee benefits | $599,000 | 3,643 |
| Premises and equipment expense | $95,000 | 4,329 |
| Additional noninterest expense | $299,000 | 4,107 |
| Pre-tax net operating income | $731,000 | 2,250 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $216,000 | 1,642 |
| Income before extraordinary items | $515,000 | 2,507 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $515,000 | 2,510 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $515,000 | 2,510 |
| Net charge-offs | $16,000 | 2,612 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $515,000 | 2,464 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,497,000 | 3,441 |
| Total interest expense | $705,000 | 3,731 |
| Net interest income | $5,792,000 | 3,350 |
| Provision for loan and lease losses | $167,000 | 3,176 |
| Total noninterest income | $903,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $633,000 | 1,973 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $270,000 | 4,221 |
| Total noninterest expense | $4,013,000 | 3,913 |
| Salaries and employee benefits | $2,320,000 | 3,729 |
| Premises and equipment expense | $439,000 | 4,016 |
| Additional noninterest expense | $1,254,000 | 4,088 |
| Pre-tax net operating income | $2,515,000 | 2,458 |
| Securities gains (losses) | $34,000 | 2,048 |
| Applicable income taxes | $904,000 | 1,566 |
| Income before extraordinary items | $1,645,000 | 2,985 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,645,000 | 2,987 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,645,000 | 2,988 |
| Net charge-offs | $313,000 | 2,531 |
| Cash dividends | $1,200,000 | 1,704 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 867 |
| Net operating income | $1,622,900 | 2,951 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,824,000 | 3,484 |
| Total interest expense | $539,000 | 3,769 |
| Net interest income | $4,285,000 | 3,405 |
| Provision for loan and lease losses | $3,000 | 4,879 |
| Total noninterest income | $700,000 | 3,377 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $464,000 | 2,012 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $236,000 | 4,097 |
| Total noninterest expense | $3,003,000 | 3,934 |
| Salaries and employee benefits | $1,761,000 | 3,706 |
| Premises and equipment expense | $329,000 | 4,067 |
| Additional noninterest expense | $913,000 | 4,166 |
| Pre-tax net operating income | $1,979,000 | 2,444 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $724,000 | 1,547 |
| Income before extraordinary items | $1,255,000 | 2,983 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,255,000 | 2,987 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,255,000 | 2,987 |
| Net charge-offs | $204,000 | 2,537 |
| Cash dividends | $600,000 | 1,911 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 800 |
| Net operating income | $1,255,000 | 2,919 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,229,000 | 3,492 |
| Total interest expense | $371,000 | 3,754 |
| Net interest income | $2,858,000 | 3,406 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $465,000 | 3,417 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $295,000 | 2,065 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $170,000 | 4,030 |
| Total noninterest expense | $2,008,000 | 3,947 |
| Salaries and employee benefits | $1,188,000 | 3,705 |
| Premises and equipment expense | $217,000 | 4,107 |
| Additional noninterest expense | $603,000 | 4,178 |
| Pre-tax net operating income | $1,315,000 | 2,428 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $481,000 | 1,552 |
| Income before extraordinary items | $834,000 | 2,982 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $834,000 | 2,984 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $834,000 | 2,985 |
| Net charge-offs | $119,000 | 2,582 |
| Cash dividends | $600,000 | 1,519 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 752 |
| Net operating income | $834,000 | 2,891 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,564,000 | 3,590 |
| Total interest expense | $194,000 | 3,737 |
| Net interest income | $1,370,000 | 3,520 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $235,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $141,000 | 2,133 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $94,000 | 3,847 |
| Total noninterest expense | $1,025,000 | 3,941 |
| Salaries and employee benefits | $579,000 | 3,793 |
| Premises and equipment expense | $117,000 | 3,948 |
| Additional noninterest expense | $329,000 | 4,003 |
| Pre-tax net operating income | $580,000 | 2,610 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $211,000 | 1,653 |
| Income before extraordinary items | $369,000 | 3,171 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $369,000 | 3,171 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $369,000 | 3,173 |
| Net charge-offs | $71,000 | 2,158 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 645 |
| Net operating income | $369,000 | 3,077 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,647,000 | 3,577 |
| Total interest expense | $975,000 | 3,665 |
| Net interest income | $5,672,000 | 3,503 |
| Provision for loan and lease losses | $130,000 | 4,401 |
| Total noninterest income | $841,000 | 3,556 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $582,000 | 2,207 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $259,000 | 4,256 |
| Total noninterest expense | $3,984,000 | 4,048 |
| Salaries and employee benefits | $2,306,000 | 3,773 |
| Premises and equipment expense | $435,000 | 4,143 |
| Additional noninterest expense | $1,243,000 | 4,274 |
| Pre-tax net operating income | $2,399,000 | 2,482 |
| Securities gains (losses) | $7,000 | 3,461 |
| Applicable income taxes | $851,000 | 1,622 |
| Income before extraordinary items | $1,555,000 | 3,056 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,555,000 | 3,055 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,555,000 | 3,056 |
| Net charge-offs | $234,000 | 3,601 |
| Cash dividends | $1,200,000 | 1,725 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 6,986 |
| Net operating income | $1,550,450 | 2,938 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,006,000 | 3,631 |
| Total interest expense | $759,000 | 3,698 |
| Net interest income | $4,247,000 | 3,566 |
| Provision for loan and lease losses | $90,000 | 4,446 |
| Total noninterest income | $607,000 | 3,665 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $433,000 | 2,247 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $174,000 | 4,430 |
| Total noninterest expense | $2,920,000 | 4,129 |
| Salaries and employee benefits | $1,695,000 | 3,829 |
| Premises and equipment expense | $324,000 | 4,200 |
| Additional noninterest expense | $901,000 | 4,380 |
| Pre-tax net operating income | $1,844,000 | 2,502 |
| Securities gains (losses) | $7,000 | 3,196 |
| Applicable income taxes | $666,000 | 1,637 |
| Income before extraordinary items | $1,185,000 | 3,106 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,185,000 | 3,105 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,185,000 | 3,104 |
| Net charge-offs | $152,000 | 3,579 |
| Cash dividends | $600,000 | 1,829 |
| Sale, conversion, retirement of capital stock, net | $-6,000 | 7,093 |
| Net operating income | $1,180,520 | 2,962 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,388,000 | 3,621 |
| Total interest expense | $520,000 | 3,731 |
| Net interest income | $2,868,000 | 3,551 |
| Provision for loan and lease losses | $90,000 | 3,970 |
| Total noninterest income | $362,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $279,000 | 2,285 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 4,887 |
| Total noninterest expense | $1,961,000 | 4,130 |
| Salaries and employee benefits | $1,155,000 | 3,800 |
| Premises and equipment expense | $238,000 | 3,993 |
| Additional noninterest expense | $568,000 | 4,529 |
| Pre-tax net operating income | $1,179,000 | 2,549 |
| Securities gains (losses) | $8,000 | 2,780 |
| Applicable income taxes | $427,000 | 1,658 |
| Income before extraordinary items | $760,000 | 3,157 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $760,000 | 3,155 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $760,000 | 3,157 |
| Net charge-offs | $144,000 | 3,084 |
| Cash dividends | $600,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $754,880 | 3,014 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,734,000 | 3,588 |
| Total interest expense | $262,000 | 3,829 |
| Net interest income | $1,472,000 | 3,502 |
| Provision for loan and lease losses | $90,000 | 2,992 |
| Total noninterest income | $157,000 | 4,126 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $134,000 | 2,346 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $23,000 | 5,595 |
| Total noninterest expense | $935,000 | 4,272 |
| Salaries and employee benefits | $572,000 | 3,845 |
| Premises and equipment expense | $102,000 | 4,355 |
| Additional noninterest expense | $261,000 | 4,754 |
| Pre-tax net operating income | $604,000 | 2,513 |
| Securities gains (losses) | $5,000 | 1,907 |
| Applicable income taxes | $220,000 | 1,622 |
| Income before extraordinary items | $389,000 | 3,132 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $389,000 | 3,135 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $389,000 | 3,136 |
| Net charge-offs | $54,000 | 2,963 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $385,800 | 2,996 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,541,000 | 3,489 |
| Total interest expense | $1,359,000 | 3,684 |
| Net interest income | $6,182,000 | 3,391 |
| Provision for loan and lease losses | $710,000 | 2,926 |
| Total noninterest income | $678,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $558,000 | 2,362 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $120,000 | 5,119 |
| Total noninterest expense | $3,612,000 | 4,407 |
| Salaries and employee benefits | $1,957,000 | 4,230 |
| Premises and equipment expense | $442,000 | 4,337 |
| Additional noninterest expense | $1,213,000 | 4,420 |
| Pre-tax net operating income | $2,538,000 | 2,105 |
| Securities gains (losses) | $45,000 | 2,657 |
| Applicable income taxes | $925,000 | 1,416 |
| Income before extraordinary items | $1,658,000 | 2,574 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,658,000 | 2,575 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,658,000 | 2,576 |
| Net charge-offs | $483,000 | 3,219 |
| Cash dividends | $600,000 | 2,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,629,200 | 2,528 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,659,000 | 3,528 |
| Total interest expense | $1,073,000 | 3,661 |
| Net interest income | $4,586,000 | 3,427 |
| Provision for loan and lease losses | $520,000 | 2,824 |
| Total noninterest income | $548,000 | 3,716 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $413,000 | 2,399 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $135,000 | 4,689 |
| Total noninterest expense | $2,749,000 | 4,361 |
| Salaries and employee benefits | $1,514,000 | 4,157 |
| Premises and equipment expense | $339,000 | 4,340 |
| Additional noninterest expense | $896,000 | 4,466 |
| Pre-tax net operating income | $1,865,000 | 2,199 |
| Securities gains (losses) | $43,000 | 2,413 |
| Applicable income taxes | $688,000 | 1,437 |
| Income before extraordinary items | $1,220,000 | 2,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,220,000 | 2,696 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,220,000 | 2,696 |
| Net charge-offs | $439,000 | 2,816 |
| Cash dividends | $300,000 | 2,322 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,192,480 | 2,638 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,835,000 | 3,507 |
| Total interest expense | $745,000 | 3,668 |
| Net interest income | $3,090,000 | 3,409 |
| Provision for loan and lease losses | $180,000 | 3,659 |
| Total noninterest income | $398,000 | 3,562 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $268,000 | 2,425 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $130,000 | 4,181 |
| Total noninterest expense | $1,817,000 | 4,432 |
| Salaries and employee benefits | $980,000 | 4,264 |
| Premises and equipment expense | $222,000 | 4,422 |
| Additional noninterest expense | $615,000 | 4,467 |
| Pre-tax net operating income | $1,491,000 | 1,892 |
| Securities gains (losses) | $43,000 | 1,678 |
| Applicable income taxes | $559,000 | 1,229 |
| Income before extraordinary items | $975,000 | 2,328 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $975,000 | 2,328 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $975,000 | 2,328 |
| Net charge-offs | $216,000 | 3,032 |
| Cash dividends | $300,000 | 1,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $947,480 | 2,290 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,924,000 | 3,519 |
| Total interest expense | $391,000 | 3,656 |
| Net interest income | $1,533,000 | 3,403 |
| Provision for loan and lease losses | $90,000 | 3,467 |
| Total noninterest income | $191,000 | 3,682 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $127,000 | 2,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $64,000 | 4,293 |
| Total noninterest expense | $858,000 | 4,607 |
| Salaries and employee benefits | $459,000 | 4,460 |
| Premises and equipment expense | $110,000 | 4,476 |
| Additional noninterest expense | $289,000 | 4,629 |
| Pre-tax net operating income | $776,000 | 1,815 |
| Securities gains (losses) | $43,000 | 812 |
| Applicable income taxes | $301,000 | 1,121 |
| Income before extraordinary items | $518,000 | 2,192 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $518,000 | 2,191 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $518,000 | 2,192 |
| Net charge-offs | $69,000 | 3,084 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $490,480 | 2,240 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,925,000 | 3,579 |
| Total interest expense | $2,153,000 | 3,368 |
| Net interest income | $5,772,000 | 3,575 |
| Provision for loan and lease losses | $333,000 | 4,709 |
| Total noninterest income | $576,000 | 4,319 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $548,000 | 2,472 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $28,000 | 6,461 |
| Total noninterest expense | $3,409,000 | 4,668 |
| Salaries and employee benefits | $1,979,000 | 4,268 |
| Premises and equipment expense | $428,000 | 4,581 |
| Additional noninterest expense | $1,002,000 | 5,086 |
| Pre-tax net operating income | $2,606,000 | 1,832 |
| Securities gains (losses) | $9,000 | 3,335 |
| Applicable income taxes | $939,000 | 1,286 |
| Income before extraordinary items | $1,676,000 | 2,324 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,676,000 | 2,322 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,676,000 | 2,325 |
| Net charge-offs | $323,000 | 4,208 |
| Cash dividends | $210,000 | 3,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,670,240 | 2,234 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,901,000 | 3,672 |
| Total interest expense | $1,662,000 | 3,416 |
| Net interest income | $4,239,000 | 3,678 |
| Provision for loan and lease losses | $270,000 | 4,458 |
| Total noninterest income | $491,000 | 4,111 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $420,000 | 2,491 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $71,000 | 5,635 |
| Total noninterest expense | $2,561,000 | 4,673 |
| Salaries and employee benefits | $1,459,000 | 4,344 |
| Premises and equipment expense | $330,000 | 4,598 |
| Additional noninterest expense | $772,000 | 5,020 |
| Pre-tax net operating income | $1,899,000 | 1,981 |
| Securities gains (losses) | $2,000 | 3,465 |
| Applicable income taxes | $692,000 | 1,348 |
| Income before extraordinary items | $1,209,000 | 2,531 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,209,000 | 2,527 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,209,000 | 2,532 |
| Net charge-offs | $217,000 | 4,133 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,207,720 | 2,401 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 3,720 |
| Total interest expense | $1,148,000 | 3,419 |
| Net interest income | $2,751,000 | 3,761 |
| Provision for loan and lease losses | $180,000 | 4,360 |
| Total noninterest income | $225,000 | 4,818 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $283,000 | 2,472 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-58,000 | 7,468 |
| Total noninterest expense | $1,645,000 | 4,780 |
| Salaries and employee benefits | $956,000 | 4,426 |
| Premises and equipment expense | $217,000 | 4,649 |
| Additional noninterest expense | $472,000 | 5,237 |
| Pre-tax net operating income | $1,151,000 | 2,119 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $417,000 | 1,411 |
| Income before extraordinary items | $735,000 | 2,663 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $735,000 | 2,658 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $735,000 | 2,662 |
| Net charge-offs | $82,000 | 4,452 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $734,360 | 2,569 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,941,000 | 3,791 |
| Total interest expense | $613,000 | 3,380 |
| Net interest income | $1,328,000 | 3,867 |
| Provision for loan and lease losses | $90,000 | 4,075 |
| Total noninterest income | $28,000 | 6,814 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $134,000 | 2,560 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-106,000 | 7,744 |
| Total noninterest expense | $803,000 | 4,902 |
| Salaries and employee benefits | $464,000 | 4,559 |
| Premises and equipment expense | $109,000 | 4,723 |
| Additional noninterest expense | $230,000 | 5,344 |
| Pre-tax net operating income | $463,000 | 2,553 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $165,000 | 1,636 |
| Income before extraordinary items | $298,000 | 3,143 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $298,000 | 3,140 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $298,000 | 3,143 |
| Net charge-offs | $10,000 | 4,830 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $298,000 | 3,031 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,961,000 | 3,835 |
| Total interest expense | $2,806,000 | 3,599 |
| Net interest income | $5,155,000 | 3,865 |
| Provision for loan and lease losses | $26,000 | 7,116 |
| Total noninterest income | $1,025,000 | 3,292 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $555,000 | 2,677 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $470,000 | 3,315 |
| Total noninterest expense | $3,504,000 | 4,713 |
| Salaries and employee benefits | $1,993,000 | 4,381 |
| Premises and equipment expense | $467,000 | 4,566 |
| Additional noninterest expense | $1,044,000 | 5,131 |
| Pre-tax net operating income | $2,650,000 | 1,508 |
| Securities gains (losses) | $-87,000 | 7,264 |
| Applicable income taxes | $927,000 | 1,026 |
| Income before extraordinary items | $1,636,000 | 1,969 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,636,000 | 1,966 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,636,000 | 1,968 |
| Net charge-offs | $136,000 | 5,422 |
| Cash dividends | $360,000 | 2,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,691,680 | 1,888 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,010,000 | 3,860 |
| Total interest expense | $2,122,000 | 3,706 |
| Net interest income | $3,888,000 | 3,856 |
| Provision for loan and lease losses | $26,000 | 6,853 |
| Total noninterest income | $821,000 | 3,208 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $408,000 | 2,718 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $413,000 | 3,124 |
| Total noninterest expense | $2,607,000 | 4,752 |
| Salaries and employee benefits | $1,501,000 | 4,386 |
| Premises and equipment expense | $354,000 | 4,577 |
| Additional noninterest expense | $752,000 | 5,224 |
| Pre-tax net operating income | $2,076,000 | 1,569 |
| Securities gains (losses) | $-109,000 | 7,488 |
| Applicable income taxes | $720,000 | 1,072 |
| Income before extraordinary items | $1,247,000 | 2,105 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,247,000 | 2,103 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,247,000 | 2,105 |
| Net charge-offs | $49,000 | 5,697 |
| Cash dividends | $180,000 | 3,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,316,760 | 1,981 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,998,000 | 3,903 |
| Total interest expense | $1,420,000 | 3,809 |
| Net interest income | $2,578,000 | 3,853 |
| Provision for loan and lease losses | $21,000 | 6,663 |
| Total noninterest income | $610,000 | 3,013 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $259,000 | 2,787 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $351,000 | 2,736 |
| Total noninterest expense | $1,768,000 | 4,742 |
| Salaries and employee benefits | $1,021,000 | 4,371 |
| Premises and equipment expense | $235,000 | 4,627 |
| Additional noninterest expense | $512,000 | 5,181 |
| Pre-tax net operating income | $1,399,000 | 1,615 |
| Securities gains (losses) | $-168,000 | 7,756 |
| Applicable income taxes | $450,000 | 1,173 |
| Income before extraordinary items | $781,000 | 2,273 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $781,000 | 2,270 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $781,000 | 2,272 |
| Net charge-offs | $45,000 | 5,014 |
| Cash dividends | $180,000 | 2,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $888,520 | 1,984 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,991,000 | 3,960 |
| Total interest expense | $711,000 | 3,899 |
| Net interest income | $1,280,000 | 3,868 |
| Provision for loan and lease losses | $10,000 | 6,289 |
| Total noninterest income | $432,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $122,000 | 2,852 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $310,000 | 1,902 |
| Total noninterest expense | $857,000 | 4,748 |
| Salaries and employee benefits | $517,000 | 4,358 |
| Premises and equipment expense | $118,000 | 4,670 |
| Additional noninterest expense | $222,000 | 5,311 |
| Pre-tax net operating income | $845,000 | 1,520 |
| Securities gains (losses) | $-248,000 | 8,057 |
| Applicable income taxes | $218,000 | 1,361 |
| Income before extraordinary items | $379,000 | 2,675 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $379,000 | 2,674 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $379,000 | 2,676 |
| Net charge-offs | $7,000 | 4,941 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $537,720 | 1,878 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,853,000 | 3,842 |
| Total interest expense | $3,563,000 | 3,808 |
| Net interest income | $5,290,000 | 3,794 |
| Provision for loan and lease losses | $175,000 | 5,379 |
| Total noninterest income | $829,000 | 3,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $650,000 | 2,488 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $179,000 | 5,025 |
| Total noninterest expense | $3,402,000 | 4,730 |
| Salaries and employee benefits | $2,073,000 | 4,334 |
| Premises and equipment expense | $463,000 | 4,677 |
| Additional noninterest expense | $866,000 | 5,256 |
| Pre-tax net operating income | $2,542,000 | 2,057 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $923,000 | 1,273 |
| Income before extraordinary items | $1,619,000 | 2,379 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,619,000 | 2,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 3,098 |
| Cash dividends | $360,000 | 3,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,619,000 | 2,513 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,687,000 | 3,886 |
| Total interest expense | $2,790,000 | 3,801 |
| Net interest income | $3,897,000 | 3,862 |
| Provision for loan and lease losses | $42,000 | 6,061 |
| Total noninterest income | $622,000 | 3,894 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $495,000 | 2,484 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $127,000 | 5,222 |
| Total noninterest expense | $2,568,000 | 4,695 |
| Salaries and employee benefits | $1,589,000 | 4,286 |
| Premises and equipment expense | $346,000 | 4,699 |
| Additional noninterest expense | $633,000 | 5,263 |
| Pre-tax net operating income | $1,909,000 | 2,381 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $698,000 | 1,540 |
| Income before extraordinary items | $1,211,000 | 2,744 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,211,000 | 2,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 2,597 |
| Cash dividends | $360,000 | 3,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,211,000 | 2,883 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,491,000 | 3,919 |
| Total interest expense | $1,976,000 | 3,779 |
| Net interest income | $2,515,000 | 3,955 |
| Provision for loan and lease losses | $27,000 | 5,773 |
| Total noninterest income | $408,000 | 3,973 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $317,000 | 2,525 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $91,000 | 5,205 |
| Total noninterest expense | $1,707,000 | 4,726 |
| Salaries and employee benefits | $1,065,000 | 4,316 |
| Premises and equipment expense | $226,000 | 4,788 |
| Additional noninterest expense | $416,000 | 5,306 |
| Pre-tax net operating income | $1,189,000 | 2,604 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $434,000 | 1,776 |
| Income before extraordinary items | $755,000 | 3,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $755,000 | 3,171 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,002 |
| Cash dividends | $240,000 | 3,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $755,000 | 3,117 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,336,000 | 3,899 |
| Total interest expense | $1,069,000 | 3,746 |
| Net interest income | $1,267,000 | 3,940 |
| Provision for loan and lease losses | $13,000 | 5,304 |
| Total noninterest income | $200,000 | 4,001 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $151,000 | 2,601 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $49,000 | 5,091 |
| Total noninterest expense | $823,000 | 4,848 |
| Salaries and employee benefits | $514,000 | 4,454 |
| Premises and equipment expense | $113,000 | 4,801 |
| Additional noninterest expense | $196,000 | 5,438 |
| Pre-tax net operating income | $631,000 | 2,611 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $231,000 | 1,776 |
| Income before extraordinary items | $400,000 | 3,188 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $400,000 | 3,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,249 |
| Cash dividends | $90,000 | 3,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $400,000 | 3,111 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,595,000 | 3,868 |
| Total interest expense | $4,660,000 | 3,630 |
| Net interest income | $4,935,000 | 4,042 |
| Provision for loan and lease losses | $241,000 | 3,567 |
| Total noninterest income | $938,000 | 3,665 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $734,000 | 2,281 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $204,000 | 5,019 |
| Total noninterest expense | $3,385,000 | 4,634 |
| Salaries and employee benefits | $2,056,000 | 4,305 |
| Premises and equipment expense | $463,000 | 4,588 |
| Additional noninterest expense | $866,000 | 5,073 |
| Pre-tax net operating income | $2,247,000 | 3,069 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $815,000 | 2,114 |
| Income before extraordinary items | $1,434,000 | 3,546 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,434,000 | 3,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $697,000 | 1,338 |
| Cash dividends | $180,000 | 4,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,432,720 | 3,540 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,171,000 | 3,898 |
| Total interest expense | $3,480,000 | 3,655 |
| Net interest income | $3,691,000 | 4,058 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $688,000 | 3,714 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $537,000 | 2,311 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $151,000 | 5,079 |
| Total noninterest expense | $2,557,000 | 4,588 |
| Salaries and employee benefits | $1,556,000 | 4,260 |
| Premises and equipment expense | $355,000 | 4,505 |
| Additional noninterest expense | $646,000 | 5,057 |
| Pre-tax net operating income | $1,597,000 | 3,331 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $577,000 | 2,349 |
| Income before extraordinary items | $1,020,000 | 3,846 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,020,000 | 3,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 2,469 |
| Cash dividends | $180,000 | 4,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,020,000 | 3,833 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,713,000 | 3,947 |
| Total interest expense | $2,267,000 | 3,715 |
| Net interest income | $2,446,000 | 4,108 |
| Provision for loan and lease losses | $208,000 | 2,111 |
| Total noninterest income | $462,000 | 3,718 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $341,000 | 2,402 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $121,000 | 4,742 |
| Total noninterest expense | $1,710,000 | 4,592 |
| Salaries and employee benefits | $1,033,000 | 4,318 |
| Premises and equipment expense | $237,000 | 4,530 |
| Additional noninterest expense | $440,000 | 4,978 |
| Pre-tax net operating income | $990,000 | 3,555 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $356,000 | 2,532 |
| Income before extraordinary items | $634,000 | 4,053 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $634,000 | 4,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,632 |
| Cash dividends | $90,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $634,000 | 4,041 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,306,000 | 4,006 |
| Total interest expense | $1,101,000 | 3,762 |
| Net interest income | $1,205,000 | 4,152 |
| Provision for loan and lease losses | $103,000 | 1,981 |
| Total noninterest income | $212,000 | 3,888 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $153,000 | 2,568 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $59,000 | 4,788 |
| Total noninterest expense | $841,000 | 4,651 |
| Salaries and employee benefits | $515,000 | 4,339 |
| Premises and equipment expense | $116,000 | 4,609 |
| Additional noninterest expense | $210,000 | 5,109 |
| Pre-tax net operating income | $473,000 | 3,651 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $170,000 | 2,611 |
| Income before extraordinary items | $303,000 | 4,146 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $303,000 | 4,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-42,000 | 8,343 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $303,000 | 4,125 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,561,000 | 4,020 |
| Total interest expense | $3,833,000 | 3,694 |
| Net interest income | $4,728,000 | 4,182 |
| Provision for loan and lease losses | $970,000 | 1,063 |
| Total noninterest income | $857,000 | 3,887 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $655,000 | 2,507 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $202,000 | 5,109 |
| Total noninterest expense | $3,240,000 | 4,636 |
| Salaries and employee benefits | $1,943,000 | 4,375 |
| Premises and equipment expense | $462,000 | 4,482 |
| Additional noninterest expense | $835,000 | 5,104 |
| Pre-tax net operating income | $1,375,000 | 4,491 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $459,000 | 3,262 |
| Income before extraordinary items | $916,000 | 4,902 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $916,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 2,920 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $916,000 | 4,900 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,271,000 | 4,049 |
| Total interest expense | $2,755,000 | 3,719 |
| Net interest income | $3,516,000 | 4,239 |
| Provision for loan and lease losses | $866,000 | 876 |
| Total noninterest income | $633,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $487,000 | 2,533 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $146,000 | 5,185 |
| Total noninterest expense | $2,436,000 | 4,619 |
| Salaries and employee benefits | $1,454,000 | 4,344 |
| Premises and equipment expense | $365,000 | 4,351 |
| Additional noninterest expense | $617,000 | 5,130 |
| Pre-tax net operating income | $847,000 | 5,113 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $291,000 | 3,627 |
| Income before extraordinary items | $556,000 | 5,543 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $556,000 | 5,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,707 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $556,000 | 5,542 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,099,000 | 4,059 |
| Total interest expense | $1,741,000 | 3,735 |
| Net interest income | $2,358,000 | 4,214 |
| Provision for loan and lease losses | $263,000 | 1,691 |
| Total noninterest income | $427,000 | 3,898 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $324,000 | 2,507 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $103,000 | 5,064 |
| Total noninterest expense | $1,611,000 | 4,652 |
| Salaries and employee benefits | $955,000 | 4,408 |
| Premises and equipment expense | $239,000 | 4,399 |
| Additional noninterest expense | $417,000 | 5,063 |
| Pre-tax net operating income | $911,000 | 4,017 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $326,000 | 2,928 |
| Income before extraordinary items | $585,000 | 4,504 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $585,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $585,000 | 4,496 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,985,000 | 4,101 |
| Total interest expense | $833,000 | 3,716 |
| Net interest income | $1,152,000 | 4,278 |
| Provision for loan and lease losses | $163,000 | 1,338 |
| Total noninterest income | $214,000 | 3,836 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $154,000 | 2,544 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $60,000 | 4,759 |
| Total noninterest expense | $794,000 | 4,723 |
| Salaries and employee benefits | $468,000 | 4,493 |
| Premises and equipment expense | $117,000 | 4,489 |
| Additional noninterest expense | $209,000 | 5,045 |
| Pre-tax net operating income | $409,000 | 4,226 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $144,000 | 3,099 |
| Income before extraordinary items | $265,000 | 4,722 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $265,000 | 4,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,463 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $265,000 | 4,702 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,799,000 | 4,236 |
| Total interest expense | $2,365,000 | 3,967 |
| Net interest income | $4,434,000 | 4,303 |
| Provision for loan and lease losses | $476,000 | 1,983 |
| Total noninterest income | $892,000 | 3,818 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $685,000 | 2,389 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $207,000 | 5,094 |
| Total noninterest expense | $3,238,000 | 4,537 |
| Salaries and employee benefits | $1,900,000 | 4,283 |
| Premises and equipment expense | $456,000 | 4,451 |
| Additional noninterest expense | $882,000 | 4,843 |
| Pre-tax net operating income | $1,612,000 | 4,213 |
| Securities gains (losses) | $-61,000 | 8,259 |
| Applicable income taxes | $551,000 | 3,207 |
| Income before extraordinary items | $1,000,000 | 4,845 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,000,000 | 4,846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,176 |
| Cash dividends | $210,000 | 4,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,039,040 | 4,698 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,958,000 | 4,274 |
| Total interest expense | $1,625,000 | 4,070 |
| Net interest income | $3,333,000 | 4,307 |
| Provision for loan and lease losses | $299,000 | 2,218 |
| Total noninterest income | $666,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $499,000 | 2,457 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $167,000 | 4,991 |
| Total noninterest expense | $2,380,000 | 4,573 |
| Salaries and employee benefits | $1,391,000 | 4,336 |
| Premises and equipment expense | $332,000 | 4,517 |
| Additional noninterest expense | $657,000 | 4,820 |
| Pre-tax net operating income | $1,320,000 | 4,079 |
| Securities gains (losses) | $-24,000 | 8,251 |
| Applicable income taxes | $464,000 | 3,078 |
| Income before extraordinary items | $832,000 | 4,654 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $832,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 2,093 |
| Cash dividends | $90,000 | 4,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $847,360 | 4,564 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,196,000 | 4,306 |
| Total interest expense | $985,000 | 4,179 |
| Net interest income | $2,211,000 | 4,289 |
| Provision for loan and lease losses | $154,000 | 2,578 |
| Total noninterest income | $422,000 | 3,924 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $319,000 | 2,498 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $103,000 | 5,124 |
| Total noninterest expense | $1,564,000 | 4,603 |
| Salaries and employee benefits | $905,000 | 4,401 |
| Premises and equipment expense | $214,000 | 4,590 |
| Additional noninterest expense | $445,000 | 4,762 |
| Pre-tax net operating income | $915,000 | 3,953 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $325,000 | 2,961 |
| Income before extraordinary items | $579,000 | 4,508 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $579,000 | 4,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,316 |
| Cash dividends | $90,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $586,040 | 4,429 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 4,431 |
| Total interest expense | $438,000 | 4,408 |
| Net interest income | $1,087,000 | 4,364 |
| Provision for loan and lease losses | $79,000 | 2,431 |
| Total noninterest income | $201,000 | 3,969 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $145,000 | 2,637 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $56,000 | 4,934 |
| Total noninterest expense | $762,000 | 4,697 |
| Salaries and employee benefits | $450,000 | 4,444 |
| Premises and equipment expense | $107,000 | 4,643 |
| Additional noninterest expense | $205,000 | 4,984 |
| Pre-tax net operating income | $447,000 | 3,979 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $160,000 | 2,993 |
| Income before extraordinary items | $287,000 | 4,492 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $287,000 | 4,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,042 |
| Cash dividends | $90,000 | 3,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $287,000 | 4,448 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,264,000 | 4,674 |
| Total interest expense | $1,240,000 | 5,029 |
| Net interest income | $4,024,000 | 4,469 |
| Provision for loan and lease losses | $357,000 | 2,593 |
| Total noninterest income | $680,000 | 4,466 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $456,000 | 3,349 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $224,000 | 4,865 |
| Total noninterest expense | $2,671,000 | 5,065 |
| Salaries and employee benefits | $1,613,000 | 4,708 |
| Premises and equipment expense | $361,000 | 5,101 |
| Additional noninterest expense | $697,000 | 5,540 |
| Pre-tax net operating income | $1,676,000 | 3,965 |
| Securities gains (losses) | $2,000 | 3,489 |
| Applicable income taxes | $586,000 | 3,072 |
| Income before extraordinary items | $1,092,000 | 4,461 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,092,000 | 4,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,064 |
| Cash dividends | $540,000 | 3,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,090,700 | 4,392 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,872,000 | 4,719 |
| Total interest expense | $869,000 | 5,185 |
| Net interest income | $3,003,000 | 4,465 |
| Provision for loan and lease losses | $289,000 | 2,341 |
| Total noninterest income | $491,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $315,000 | 3,545 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $176,000 | 4,774 |
| Total noninterest expense | $1,914,000 | 5,188 |
| Salaries and employee benefits | $1,136,000 | 4,860 |
| Premises and equipment expense | $267,000 | 5,121 |
| Additional noninterest expense | $511,000 | 5,573 |
| Pre-tax net operating income | $1,291,000 | 3,976 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $458,000 | 3,060 |
| Income before extraordinary items | $834,000 | 4,502 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $834,000 | 4,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,336 |
| Cash dividends | $390,000 | 3,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $833,350 | 4,426 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,515,000 | 4,826 |
| Total interest expense | $547,000 | 5,398 |
| Net interest income | $1,968,000 | 4,522 |
| Provision for loan and lease losses | $152,000 | 2,676 |
| Total noninterest income | $323,000 | 4,632 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $198,000 | 3,674 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $125,000 | 4,692 |
| Total noninterest expense | $1,228,000 | 5,356 |
| Salaries and employee benefits | $725,000 | 5,040 |
| Premises and equipment expense | $174,000 | 5,230 |
| Additional noninterest expense | $329,000 | 5,697 |
| Pre-tax net operating income | $911,000 | 3,766 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $332,000 | 2,895 |
| Income before extraordinary items | $580,000 | 4,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $580,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $257,000 | 1,150 |
| Cash dividends | $240,000 | 3,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $579,360 | 4,252 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,222,000 | 4,943 |
| Total interest expense | $266,000 | 5,540 |
| Net interest income | $956,000 | 4,613 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $176,000 | 4,381 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $100,000 | 3,583 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $76,000 | 4,277 |
| Total noninterest expense | $619,000 | 5,346 |
| Salaries and employee benefits | $357,000 | 5,120 |
| Premises and equipment expense | $86,000 | 5,308 |
| Additional noninterest expense | $176,000 | 5,500 |
| Pre-tax net operating income | $453,000 | 3,772 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $164,000 | 2,923 |
| Income before extraordinary items | $289,000 | 4,369 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $289,000 | 4,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 791 |
| Cash dividends | $90,000 | 2,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $289,000 | 4,242 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,495,000 | 5,246 |
| Total interest expense | $1,150,000 | 5,709 |
| Net interest income | $3,345,000 | 4,943 |
| Provision for loan and lease losses | $205,000 | 3,973 |
| Total noninterest income | $515,000 | 5,356 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $333,000 | 4,066 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $182,000 | 5,477 |
| Total noninterest expense | $2,100,000 | 5,830 |
| Salaries and employee benefits | $1,261,000 | 5,466 |
| Premises and equipment expense | $286,000 | 5,806 |
| Additional noninterest expense | $553,000 | 6,238 |
| Pre-tax net operating income | $1,555,000 | 4,032 |
| Securities gains (losses) | $23,000 | 3,134 |
| Applicable income taxes | $553,000 | 3,214 |
| Income before extraordinary items | $1,025,000 | 4,580 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,025,000 | 4,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,926 |
| Cash dividends | $435,000 | 3,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,010,050 | 4,450 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,317,000 | 5,369 |
| Total interest expense | $889,000 | 5,756 |
| Net interest income | $2,428,000 | 5,073 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $384,000 | 5,413 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $240,000 | 4,171 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $144,000 | 5,419 |
| Total noninterest expense | $1,523,000 | 5,927 |
| Salaries and employee benefits | $921,000 | 5,521 |
| Premises and equipment expense | $204,000 | 5,957 |
| Additional noninterest expense | $398,000 | 6,354 |
| Pre-tax net operating income | $1,224,000 | 4,013 |
| Securities gains (losses) | $16,000 | 3,083 |
| Applicable income taxes | $451,000 | 3,206 |
| Income before extraordinary items | $789,000 | 4,634 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $789,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $285,000 | 3,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $778,760 | 4,495 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,180,000 | 5,449 |
| Total interest expense | $613,000 | 5,776 |
| Net interest income | $1,567,000 | 5,198 |
| Provision for loan and lease losses | $35,000 | 5,611 |
| Total noninterest income | $249,000 | 5,468 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $162,000 | 4,116 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $87,000 | 5,586 |
| Total noninterest expense | $995,000 | 6,002 |
| Salaries and employee benefits | $601,000 | 5,610 |
| Premises and equipment expense | $134,000 | 5,977 |
| Additional noninterest expense | $260,000 | 6,414 |
| Pre-tax net operating income | $786,000 | 4,106 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $289,000 | 3,310 |
| Income before extraordinary items | $512,000 | 4,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $512,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,893 |
| Cash dividends | $195,000 | 3,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $502,400 | 4,584 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,059,000 | 5,583 |
| Total interest expense | $315,000 | 5,787 |
| Net interest income | $744,000 | 5,344 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $81,000 | 4,048 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $44,000 | 5,509 |
| Total noninterest expense | $485,000 | 6,101 |
| Salaries and employee benefits | $292,000 | 5,706 |
| Premises and equipment expense | $69,000 | 5,897 |
| Additional noninterest expense | $124,000 | 6,544 |
| Pre-tax net operating income | $369,000 | 4,244 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $133,000 | 3,442 |
| Income before extraordinary items | $236,000 | 4,864 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $236,000 | 4,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,875 |
| Cash dividends | $90,000 | 3,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $236,000 | 4,671 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,626,000 | 5,442 |
| Total interest expense | $1,465,000 | 5,806 |
| Net interest income | $3,161,000 | 5,130 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $376,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $293,000 | 4,281 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 6,810 |
| Total noninterest expense | $1,879,000 | 6,096 |
| Salaries and employee benefits | $1,120,000 | 5,746 |
| Premises and equipment expense | $250,000 | 6,143 |
| Additional noninterest expense | $509,000 | 6,455 |
| Pre-tax net operating income | $1,658,000 | 3,846 |
| Securities gains (losses) | $10,000 | 3,604 |
| Applicable income taxes | $609,000 | 3,094 |
| Income before extraordinary items | $1,059,000 | 4,431 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,059,000 | 4,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-80,000 | 9,213 |
| Cash dividends | $420,000 | 3,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,052,600 | 4,341 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,367,000 | 5,367 |
| Total interest expense | $2,526,000 | 5,365 |
| Net interest income | $2,841,000 | 5,274 |
| Provision for loan and lease losses | $275,000 | 3,402 |
| Total noninterest income | $285,000 | 6,548 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $226,000 | 4,871 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $59,000 | 7,428 |
| Total noninterest expense | $1,912,000 | 5,905 |
| Salaries and employee benefits | $1,074,000 | 5,730 |
| Premises and equipment expense | $288,000 | 5,656 |
| Additional noninterest expense | $550,000 | 6,156 |
| Pre-tax net operating income | $939,000 | 5,064 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $302,000 | 4,245 |
| Income before extraordinary items | $638,000 | 5,461 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $638,000 | 5,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-88,000 | 9,490 |
| Cash dividends | $300,000 | 4,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $637,320 | 5,342 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,148,000 | 4,989 |
| Total interest expense | $3,329,000 | 4,547 |
| Net interest income | $2,819,000 | 5,377 |
| Provision for loan and lease losses | $1,952,000 | 621 |
| Total noninterest income | $259,000 | 6,679 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 5,749 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,248 |
| Total noninterest expense | $1,886,000 | 5,889 |
| Salaries and employee benefits | $1,066,000 | 5,670 |
| Premises and equipment expense | $327,000 | 5,170 |
| Additional noninterest expense | $493,000 | 6,475 |
| Pre-tax net operating income | $-760,000 | 9,653 |
| Securities gains (losses) | $-236,000 | 9,600 |
| Applicable income taxes | $-469,000 | 9,789 |
| Income before extraordinary items | $-527,000 | 9,582 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-527,000 | 9,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,205,000 | 455 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-375,960 | 9,504 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,040,000 | 4,927 |
| Total interest expense | $2,863,000 | 4,762 |
| Net interest income | $3,177,000 | 4,959 |
| Provision for loan and lease losses | $1,110,000 | 892 |
| Total noninterest income | $290,000 | 6,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 5,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,379 |
| Total noninterest expense | $1,647,000 | 6,418 |
| Salaries and employee benefits | $936,000 | 6,164 |
| Premises and equipment expense | $325,000 | 5,223 |
| Additional noninterest expense | $386,000 | 7,390 |
| Pre-tax net operating income | $710,000 | 6,282 |
| Securities gains (losses) | $11,000 | 1,705 |
| Applicable income taxes | $159,000 | 6,165 |
| Income before extraordinary items | $562,000 | 6,091 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $562,000 | 6,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $356,000 | 1,591 |
| Cash dividends | $330,000 | 4,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $553,420 | 6,118 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,784,000 | 5,138 |
| Total interest expense | $2,762,000 | 5,013 |
| Net interest income | $3,022,000 | 5,108 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $507,000 | 4,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,047 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $299,000 | 4,037 |
| Total noninterest expense | $1,616,000 | 6,403 |
| Salaries and employee benefits | $902,000 | 6,200 |
| Premises and equipment expense | $328,000 | 5,097 |
| Additional noninterest expense | $386,000 | 7,338 |
| Pre-tax net operating income | $1,613,000 | 3,965 |
| Securities gains (losses) | $17,000 | 2,560 |
| Applicable income taxes | $491,000 | 3,883 |
| Income before extraordinary items | $1,139,000 | 4,087 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,139,000 | 4,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $373,000 | 1,590 |
| Cash dividends | $660,000 | 2,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,127,100 | 4,023 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,726,000 | 5,241 |
| Total interest expense | $2,597,000 | 5,269 |
| Net interest income | $3,129,000 | 5,127 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $344,000 | 6,218 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 5,896 |
| Total noninterest expense | $1,543,000 | 6,682 |
| Salaries and employee benefits | $923,000 | 6,176 |
| Premises and equipment expense | $252,000 | 6,030 |
| Additional noninterest expense | $368,000 | 7,644 |
| Pre-tax net operating income | $1,630,000 | 4,166 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $499,000 | 4,213 |
| Income before extraordinary items | $1,133,000 | 4,255 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,133,000 | 4,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,018 |
| Cash dividends | $735,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,131,620 | 4,197 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,449,000 | 5,565 |
| Total interest expense | $2,532,000 | 5,457 |
| Net interest income | $2,917,000 | 5,556 |
| Provision for loan and lease losses | $426,000 | 1,984 |
| Total noninterest income | $426,000 | 5,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $260,000 | 4,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 5,678 |
| Total noninterest expense | $1,559,000 | 6,950 |
| Salaries and employee benefits | $828,000 | 6,848 |
| Premises and equipment expense | $185,000 | 7,320 |
| Additional noninterest expense | $546,000 | 6,715 |
| Pre-tax net operating income | $1,358,000 | 4,687 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $341,000 | 5,418 |
| Income before extraordinary items | $1,017,000 | 4,428 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,017,000 | 4,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 2,114 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,017,000 | 4,367 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,090,000 | 5,907 |
| Total interest expense | $2,390,000 | 5,754 |
| Net interest income | $2,700,000 | 5,967 |
| Provision for loan and lease losses | $448,000 | 1,727 |
| Total noninterest income | $318,000 | 6,877 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $179,000 | 6,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $139,000 | 6,201 |
| Total noninterest expense | $1,508,000 | 7,251 |
| Salaries and employee benefits | $754,000 | 7,373 |
| Premises and equipment expense | $147,000 | 8,349 |
| Additional noninterest expense | $607,000 | 6,489 |
| Pre-tax net operating income | $1,062,000 | 5,741 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $229,000 | 6,976 |
| Income before extraordinary items | $840,000 | 5,260 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $840,000 | 5,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 1,732 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $834,470 | 5,266 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,517,000 | 6,134 |
| Total interest expense | $1,837,000 | 5,977 |
| Net interest income | $2,680,000 | 6,135 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $286,000 | 7,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $149,000 | 6,913 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,499 |
| Total noninterest expense | $1,536,000 | 7,490 |
| Salaries and employee benefits | $779,000 | 7,323 |
| Premises and equipment expense | $148,000 | 8,603 |
| Additional noninterest expense | $609,000 | 6,968 |
| Pre-tax net operating income | $1,310,000 | 4,914 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $350,000 | 5,275 |
| Income before extraordinary items | $963,000 | 4,655 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $963,000 | 4,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,438 |
| Cash dividends | $600,000 | 2,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $960,810 | 4,716 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,341,000 | 6,481 |
| Total interest expense | $1,614,000 | 6,841 |
| Net interest income | $2,727,000 | 6,117 |
| Provision for loan and lease losses | $200,000 | 3,901 |
| Total noninterest income | $267,000 | 8,113 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 7,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 7,302 |
| Total noninterest expense | $1,424,000 | 8,094 |
| Salaries and employee benefits | $695,000 | 8,025 |
| Premises and equipment expense | $151,000 | 8,878 |
| Additional noninterest expense | $578,000 | 7,532 |
| Pre-tax net operating income | $1,370,000 | 4,669 |
| Securities gains (losses) | $130,000 | 2,156 |
| Applicable income taxes | $444,000 | 4,631 |
| Income before extraordinary items | $1,056,000 | 4,478 |
| Extraordinary gains, net | $-11,000 | 12,328 |
| Net income | $1,045,000 | 4,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,964 |
| Cash dividends | $660,000 | 2,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $965,000 | 4,577 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,421,000 | 6,986 |
| Total interest expense | $1,896,000 | 7,364 |
| Net interest income | $2,525,000 | 6,541 |
| Provision for loan and lease losses | $140,000 | 6,292 |
| Total noninterest income | $235,000 | 8,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 7,780 |
| Total noninterest expense | $1,337,000 | 8,533 |
| Salaries and employee benefits | $633,000 | 8,526 |
| Premises and equipment expense | $156,000 | 8,945 |
| Additional noninterest expense | $548,000 | 8,005 |
| Pre-tax net operating income | $1,283,000 | 4,658 |
| Securities gains (losses) | $11,000 | 6,349 |
| Applicable income taxes | $387,000 | 4,916 |
| Income before extraordinary items | $907,000 | 4,905 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $907,000 | 4,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 4,775 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $899,300 | 4,622 |
* 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.