Home > The Citizens National Bank of Chillicothe > Income and Expense
The Citizens National Bank of Chillicothe, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,442,000 | 3,654 |
| Total interest expense | $733,000 | 4,294 |
| Net interest income | $5,709,000 | 3,488 |
| Provision for loan and lease losses | $270,000 | 3,531 |
| Total noninterest income | $697,000 | 3,894 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $215,000 | 4,127 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $482,000 | 3,392 |
| Total noninterest expense | $4,775,000 | 3,590 |
| Salaries and employee benefits | $2,383,000 | 3,689 |
| Premises and equipment expense | $669,000 | 3,126 |
| Additional noninterest expense | $1,723,000 | 3,457 |
| Pre-tax net operating income | $1,361,000 | 3,493 |
| Securities gains (losses) | $10,000 | 3,374 |
| Applicable income taxes | $390,000 | 2,431 |
| Income before extraordinary items | $981,000 | 3,945 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $981,000 | 3,945 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $981,000 | 3,947 |
| Net charge-offs | $96,000 | 4,461 |
| Cash dividends | $765,000 | 2,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $973,800 | 3,787 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 3,711 |
| Total interest expense | $573,000 | 4,336 |
| Net interest income | $4,280,000 | 3,549 |
| Provision for loan and lease losses | $270,000 | 3,108 |
| Total noninterest income | $522,000 | 3,930 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $163,000 | 4,159 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $359,000 | 3,423 |
| Total noninterest expense | $3,633,000 | 3,573 |
| Salaries and employee benefits | $1,773,000 | 3,715 |
| Premises and equipment expense | $507,000 | 3,133 |
| Additional noninterest expense | $1,353,000 | 3,366 |
| Pre-tax net operating income | $899,000 | 3,830 |
| Securities gains (losses) | $10,000 | 3,111 |
| Applicable income taxes | $250,000 | 2,640 |
| Income before extraordinary items | $659,000 | 4,204 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $659,000 | 4,204 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $659,000 | 4,204 |
| Net charge-offs | $51,000 | 4,492 |
| Cash dividends | $350,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $651,800 | 4,049 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,280,000 | 3,716 |
| Total interest expense | $392,000 | 4,382 |
| Net interest income | $2,888,000 | 3,538 |
| Provision for loan and lease losses | $180,000 | 3,106 |
| Total noninterest income | $347,000 | 3,926 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $107,000 | 4,175 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $240,000 | 3,401 |
| Total noninterest expense | $2,422,000 | 3,590 |
| Salaries and employee benefits | $1,163,000 | 3,783 |
| Premises and equipment expense | $333,000 | 3,179 |
| Additional noninterest expense | $926,000 | 3,325 |
| Pre-tax net operating income | $633,000 | 3,713 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $175,000 | 2,571 |
| Income before extraordinary items | $458,000 | 4,132 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $458,000 | 4,136 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $458,000 | 4,136 |
| Net charge-offs | $48,000 | 4,072 |
| Cash dividends | $350,000 | 1,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $458,000 | 3,940 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 3,691 |
| Total interest expense | $204,000 | 4,405 |
| Net interest income | $1,470,000 | 3,510 |
| Provision for loan and lease losses | $90,000 | 2,992 |
| Total noninterest income | $165,000 | 4,035 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $50,000 | 4,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $115,000 | 3,491 |
| Total noninterest expense | $1,250,000 | 3,527 |
| Salaries and employee benefits | $598,000 | 3,744 |
| Premises and equipment expense | $170,000 | 3,153 |
| Additional noninterest expense | $482,000 | 3,186 |
| Pre-tax net operating income | $295,000 | 3,868 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $81,000 | 2,631 |
| Income before extraordinary items | $214,000 | 4,263 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $214,000 | 4,266 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $214,000 | 4,267 |
| Net charge-offs | $52,000 | 2,991 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $214,000 | 4,116 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,813,000 | 3,738 |
| Total interest expense | $996,000 | 4,410 |
| Net interest income | $5,817,000 | 3,553 |
| Provision for loan and lease losses | $450,000 | 3,593 |
| Total noninterest income | $800,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $214,000 | 4,260 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $586,000 | 2,891 |
| Total noninterest expense | $4,841,000 | 3,626 |
| Salaries and employee benefits | $2,431,000 | 3,635 |
| Premises and equipment expense | $628,000 | 3,464 |
| Additional noninterest expense | $1,782,000 | 3,424 |
| Pre-tax net operating income | $1,326,000 | 3,236 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $362,000 | 2,347 |
| Income before extraordinary items | $964,000 | 3,624 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $964,000 | 3,627 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $964,000 | 3,626 |
| Net charge-offs | $396,000 | 3,461 |
| Cash dividends | $610,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $964,000 | 3,509 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,130,000 | 3,780 |
| Total interest expense | $767,000 | 4,463 |
| Net interest income | $4,363,000 | 3,557 |
| Provision for loan and lease losses | $375,000 | 3,310 |
| Total noninterest income | $598,000 | 3,531 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $166,000 | 4,219 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $432,000 | 2,916 |
| Total noninterest expense | $3,604,000 | 3,651 |
| Salaries and employee benefits | $1,754,000 | 3,761 |
| Premises and equipment expense | $482,000 | 3,441 |
| Additional noninterest expense | $1,368,000 | 3,376 |
| Pre-tax net operating income | $982,000 | 3,343 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $266,000 | 2,391 |
| Income before extraordinary items | $716,000 | 3,718 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $716,000 | 3,721 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $716,000 | 3,720 |
| Net charge-offs | $338,000 | 3,109 |
| Cash dividends | $275,000 | 2,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $716,000 | 3,605 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,421,000 | 3,814 |
| Total interest expense | $520,000 | 4,524 |
| Net interest income | $2,901,000 | 3,571 |
| Provision for loan and lease losses | $300,000 | 2,953 |
| Total noninterest income | $380,000 | 3,664 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $111,000 | 4,191 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $269,000 | 3,051 |
| Total noninterest expense | $2,430,000 | 3,651 |
| Salaries and employee benefits | $1,167,000 | 3,793 |
| Premises and equipment expense | $326,000 | 3,445 |
| Additional noninterest expense | $937,000 | 3,356 |
| Pre-tax net operating income | $551,000 | 3,622 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $141,000 | 2,570 |
| Income before extraordinary items | $410,000 | 3,939 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $410,000 | 3,940 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $410,000 | 3,941 |
| Net charge-offs | $340,000 | 2,545 |
| Cash dividends | $275,000 | 2,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $410,000 | 3,831 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,702,000 | 3,852 |
| Total interest expense | $266,000 | 4,585 |
| Net interest income | $1,436,000 | 3,592 |
| Provision for loan and lease losses | $180,000 | 2,550 |
| Total noninterest income | $169,000 | 3,923 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $54,000 | 4,208 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $115,000 | 3,335 |
| Total noninterest expense | $1,242,000 | 3,604 |
| Salaries and employee benefits | $586,000 | 3,796 |
| Premises and equipment expense | $165,000 | 3,456 |
| Additional noninterest expense | $491,000 | 3,239 |
| Pre-tax net operating income | $183,000 | 4,373 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $35,000 | 3,081 |
| Income before extraordinary items | $148,000 | 4,481 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $148,000 | 4,480 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $148,000 | 4,481 |
| Net charge-offs | $316,000 | 1,699 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $148,000 | 4,420 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,075,000 | 3,876 |
| Total interest expense | $1,339,000 | 4,535 |
| Net interest income | $5,736,000 | 3,590 |
| Provision for loan and lease losses | $450,000 | 4,287 |
| Total noninterest income | $802,000 | 3,650 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $247,000 | 4,029 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $555,000 | 3,036 |
| Total noninterest expense | $4,894,000 | 3,670 |
| Salaries and employee benefits | $2,270,000 | 3,867 |
| Premises and equipment expense | $648,000 | 3,513 |
| Additional noninterest expense | $1,976,000 | 3,288 |
| Pre-tax net operating income | $1,194,000 | 3,095 |
| Securities gains (losses) | $4,000 | 3,501 |
| Applicable income taxes | $304,000 | 2,351 |
| Income before extraordinary items | $894,000 | 3,435 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $894,000 | 3,432 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $894,000 | 3,435 |
| Net charge-offs | $160,000 | 4,993 |
| Cash dividends | $585,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $891,000 | 3,321 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,312,000 | 3,950 |
| Total interest expense | $1,018,000 | 4,650 |
| Net interest income | $4,294,000 | 3,647 |
| Provision for loan and lease losses | $375,000 | 3,997 |
| Total noninterest income | $611,000 | 3,650 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $183,000 | 4,118 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $428,000 | 3,008 |
| Total noninterest expense | $3,718,000 | 3,643 |
| Salaries and employee benefits | $1,667,000 | 3,967 |
| Premises and equipment expense | $497,000 | 3,512 |
| Additional noninterest expense | $1,554,000 | 3,114 |
| Pre-tax net operating income | $812,000 | 3,439 |
| Securities gains (losses) | $4,000 | 3,332 |
| Applicable income taxes | $198,000 | 2,565 |
| Income before extraordinary items | $618,000 | 3,725 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $618,000 | 3,725 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $618,000 | 3,726 |
| Net charge-offs | $128,000 | 4,667 |
| Cash dividends | $260,000 | 2,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $614,960 | 3,598 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,549,000 | 3,983 |
| Total interest expense | $688,000 | 4,725 |
| Net interest income | $2,861,000 | 3,644 |
| Provision for loan and lease losses | $300,000 | 3,591 |
| Total noninterest income | $449,000 | 3,427 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $101,000 | 4,468 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $348,000 | 2,616 |
| Total noninterest expense | $2,507,000 | 3,616 |
| Salaries and employee benefits | $1,097,000 | 4,028 |
| Premises and equipment expense | $332,000 | 3,535 |
| Additional noninterest expense | $1,078,000 | 3,000 |
| Pre-tax net operating income | $503,000 | 3,619 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $115,000 | 2,664 |
| Income before extraordinary items | $388,000 | 3,839 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $388,000 | 3,837 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $388,000 | 3,838 |
| Net charge-offs | $103,000 | 4,213 |
| Cash dividends | $260,000 | 2,056 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $388,000 | 3,730 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,939,000 | 3,795 |
| Total interest expense | $356,000 | 4,774 |
| Net interest income | $1,583,000 | 3,409 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $190,000 | 3,766 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $51,000 | 4,444 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $139,000 | 2,979 |
| Total noninterest expense | $1,280,000 | 3,586 |
| Salaries and employee benefits | $548,000 | 4,084 |
| Premises and equipment expense | $164,000 | 3,646 |
| Additional noninterest expense | $568,000 | 2,845 |
| Pre-tax net operating income | $343,000 | 3,116 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $91,000 | 2,211 |
| Income before extraordinary items | $252,000 | 3,471 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $252,000 | 3,468 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $252,000 | 3,470 |
| Net charge-offs | $1,000 | 5,481 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $252,000 | 3,343 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,624,000 | 3,950 |
| Total interest expense | $2,141,000 | 4,260 |
| Net interest income | $5,483,000 | 3,707 |
| Provision for loan and lease losses | $566,000 | 4,352 |
| Total noninterest income | $678,000 | 4,129 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $231,000 | 4,383 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $447,000 | 3,384 |
| Total noninterest expense | $5,051,000 | 3,659 |
| Salaries and employee benefits | $2,356,000 | 3,868 |
| Premises and equipment expense | $639,000 | 3,719 |
| Additional noninterest expense | $2,056,000 | 3,237 |
| Pre-tax net operating income | $544,000 | 3,891 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $42,000 | 3,352 |
| Income before extraordinary items | $502,000 | 3,865 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $502,000 | 3,863 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $502,000 | 3,864 |
| Net charge-offs | $464,000 | 3,892 |
| Cash dividends | $302,000 | 3,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $502,000 | 3,799 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,768,000 | 3,989 |
| Total interest expense | $1,724,000 | 4,224 |
| Net interest income | $4,044,000 | 3,764 |
| Provision for loan and lease losses | $316,000 | 4,512 |
| Total noninterest income | $498,000 | 4,236 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $194,000 | 4,173 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $304,000 | 3,601 |
| Total noninterest expense | $3,840,000 | 3,608 |
| Salaries and employee benefits | $1,785,000 | 3,877 |
| Premises and equipment expense | $495,000 | 3,646 |
| Additional noninterest expense | $1,560,000 | 3,183 |
| Pre-tax net operating income | $386,000 | 4,237 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $23,000 | 3,737 |
| Income before extraordinary items | $363,000 | 4,180 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $363,000 | 4,175 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $363,000 | 4,178 |
| Net charge-offs | $412,000 | 3,305 |
| Cash dividends | $165,000 | 3,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $363,000 | 4,099 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,893,000 | 3,981 |
| Total interest expense | $1,234,000 | 4,170 |
| Net interest income | $2,659,000 | 3,776 |
| Provision for loan and lease losses | $80,000 | 5,568 |
| Total noninterest income | $320,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $128,000 | 4,181 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $192,000 | 3,707 |
| Total noninterest expense | $2,665,000 | 3,542 |
| Salaries and employee benefits | $1,227,000 | 3,823 |
| Premises and equipment expense | $344,000 | 3,573 |
| Additional noninterest expense | $1,094,000 | 3,066 |
| Pre-tax net operating income | $234,000 | 4,448 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $7,000 | 4,133 |
| Income before extraordinary items | $227,000 | 4,381 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $227,000 | 4,378 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $227,000 | 4,378 |
| Net charge-offs | $212,000 | 3,353 |
| Cash dividends | $165,000 | 2,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $227,000 | 4,270 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,938,000 | 4,032 |
| Total interest expense | $652,000 | 4,143 |
| Net interest income | $1,286,000 | 3,858 |
| Provision for loan and lease losses | $35,000 | 5,303 |
| Total noninterest income | $153,000 | 4,339 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $63,000 | 4,164 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $90,000 | 3,816 |
| Total noninterest expense | $1,286,000 | 3,562 |
| Salaries and employee benefits | $614,000 | 3,857 |
| Premises and equipment expense | $183,000 | 3,462 |
| Additional noninterest expense | $489,000 | 3,065 |
| Pre-tax net operating income | $118,000 | 4,834 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $4,000 | 4,381 |
| Income before extraordinary items | $114,000 | 4,762 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $114,000 | 4,766 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $114,000 | 4,765 |
| Net charge-offs | $6,000 | 5,032 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $114,000 | 4,598 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,727,000 | 3,882 |
| Total interest expense | $3,351,000 | 3,952 |
| Net interest income | $5,376,000 | 3,759 |
| Provision for loan and lease losses | $116,000 | 5,886 |
| Total noninterest income | $667,000 | 4,245 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $315,000 | 3,928 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $352,000 | 3,816 |
| Total noninterest expense | $5,041,000 | 3,541 |
| Salaries and employee benefits | $2,473,000 | 3,814 |
| Premises and equipment expense | $674,000 | 3,597 |
| Additional noninterest expense | $1,894,000 | 3,001 |
| Pre-tax net operating income | $886,000 | 3,981 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $136,000 | 3,151 |
| Income before extraordinary items | $752,000 | 3,835 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $752,000 | 3,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 5,111 |
| Cash dividends | $290,000 | 4,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $750,300 | 3,957 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,609,000 | 3,917 |
| Total interest expense | $2,582,000 | 3,992 |
| Net interest income | $4,027,000 | 3,784 |
| Provision for loan and lease losses | $86,000 | 5,374 |
| Total noninterest income | $511,000 | 4,286 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $247,000 | 3,874 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $264,000 | 3,921 |
| Total noninterest expense | $3,755,000 | 3,546 |
| Salaries and employee benefits | $1,893,000 | 3,776 |
| Premises and equipment expense | $508,000 | 3,593 |
| Additional noninterest expense | $1,354,000 | 3,022 |
| Pre-tax net operating income | $697,000 | 4,349 |
| Securities gains (losses) | $-9,000 | 7,325 |
| Applicable income taxes | $108,000 | 3,541 |
| Income before extraordinary items | $580,000 | 4,187 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $580,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,992 |
| Cash dividends | $240,000 | 3,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $587,560 | 4,325 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,407,000 | 3,976 |
| Total interest expense | $1,779,000 | 4,037 |
| Net interest income | $2,628,000 | 3,841 |
| Provision for loan and lease losses | $56,000 | 5,080 |
| Total noninterest income | $337,000 | 4,379 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $162,000 | 3,906 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $175,000 | 4,029 |
| Total noninterest expense | $2,480,000 | 3,591 |
| Salaries and employee benefits | $1,274,000 | 3,789 |
| Premises and equipment expense | $345,000 | 3,591 |
| Additional noninterest expense | $861,000 | 3,136 |
| Pre-tax net operating income | $429,000 | 4,662 |
| Securities gains (losses) | $-4,000 | 8,032 |
| Applicable income taxes | $84,000 | 3,627 |
| Income before extraordinary items | $341,000 | 4,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $341,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,199 |
| Cash dividends | $241,000 | 3,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $344,200 | 4,706 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,202,000 | 4,062 |
| Total interest expense | $945,000 | 4,044 |
| Net interest income | $1,257,000 | 3,964 |
| Provision for loan and lease losses | $26,000 | 4,670 |
| Total noninterest income | $163,000 | 4,421 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $79,000 | 3,905 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $84,000 | 4,100 |
| Total noninterest expense | $1,205,000 | 3,691 |
| Salaries and employee benefits | $615,000 | 3,896 |
| Premises and equipment expense | $177,000 | 3,535 |
| Additional noninterest expense | $413,000 | 3,221 |
| Pre-tax net operating income | $189,000 | 5,057 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $32,000 | 3,996 |
| Income before extraordinary items | $157,000 | 5,147 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $157,000 | 5,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $157,000 | 5,040 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,541,000 | 4,186 |
| Total interest expense | $3,523,000 | 4,321 |
| Net interest income | $5,018,000 | 3,996 |
| Provision for loan and lease losses | $96,000 | 4,972 |
| Total noninterest income | $446,000 | 5,271 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $280,000 | 4,220 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $166,000 | 5,403 |
| Total noninterest expense | $4,539,000 | 3,732 |
| Salaries and employee benefits | $2,390,000 | 3,851 |
| Premises and equipment expense | $632,000 | 3,702 |
| Additional noninterest expense | $1,517,000 | 3,380 |
| Pre-tax net operating income | $829,000 | 5,113 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $98,000 | 4,498 |
| Income before extraordinary items | $733,000 | 4,955 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $733,000 | 4,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $325,000 | 2,192 |
| Cash dividends | $1,792,000 | 1,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $731,240 | 4,945 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,190,000 | 4,301 |
| Total interest expense | $2,517,000 | 4,462 |
| Net interest income | $3,673,000 | 4,077 |
| Provision for loan and lease losses | $72,000 | 4,634 |
| Total noninterest income | $325,000 | 5,381 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $202,000 | 4,322 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $123,000 | 5,430 |
| Total noninterest expense | $3,293,000 | 3,817 |
| Salaries and employee benefits | $1,720,000 | 3,951 |
| Premises and equipment expense | $453,000 | 3,819 |
| Additional noninterest expense | $1,120,000 | 3,375 |
| Pre-tax net operating income | $633,000 | 5,332 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $98,000 | 4,459 |
| Income before extraordinary items | $535,000 | 5,244 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $535,000 | 5,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,939 |
| Cash dividends | $1,497,000 | 1,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $535,000 | 5,227 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 4,340 |
| Total interest expense | $1,642,000 | 4,515 |
| Net interest income | $2,430,000 | 4,129 |
| Provision for loan and lease losses | $48,000 | 4,431 |
| Total noninterest income | $190,000 | 5,677 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $127,000 | 4,442 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $63,000 | 5,922 |
| Total noninterest expense | $2,133,000 | 3,935 |
| Salaries and employee benefits | $1,139,000 | 4,005 |
| Premises and equipment expense | $297,000 | 3,874 |
| Additional noninterest expense | $697,000 | 3,575 |
| Pre-tax net operating income | $439,000 | 5,319 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $98,000 | 4,148 |
| Income before extraordinary items | $341,000 | 5,389 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $341,000 | 5,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $204,000 | 3,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $341,000 | 5,378 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,043,000 | 4,342 |
| Total interest expense | $813,000 | 4,527 |
| Net interest income | $1,230,000 | 4,075 |
| Provision for loan and lease losses | $24,000 | 4,189 |
| Total noninterest income | $91,000 | 5,737 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $63,000 | 4,424 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $28,000 | 6,096 |
| Total noninterest expense | $1,062,000 | 3,950 |
| Salaries and employee benefits | $564,000 | 4,051 |
| Premises and equipment expense | $135,000 | 4,167 |
| Additional noninterest expense | $363,000 | 3,435 |
| Pre-tax net operating income | $235,000 | 5,176 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $45,000 | 4,231 |
| Income before extraordinary items | $190,000 | 5,184 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $190,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,691 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $190,000 | 5,170 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,277,000 | 4,459 |
| Total interest expense | $2,744,000 | 4,548 |
| Net interest income | $4,533,000 | 4,315 |
| Provision for loan and lease losses | $108,000 | 4,633 |
| Total noninterest income | $315,000 | 6,075 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $200,000 | 4,987 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $115,000 | 6,084 |
| Total noninterest expense | $4,139,000 | 3,893 |
| Salaries and employee benefits | $2,216,000 | 3,958 |
| Premises and equipment expense | $551,000 | 4,002 |
| Additional noninterest expense | $1,372,000 | 3,539 |
| Pre-tax net operating income | $601,000 | 6,189 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $148,000 | 4,612 |
| Income before extraordinary items | $453,000 | 6,322 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $453,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,250 |
| Cash dividends | $477,000 | 3,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $453,000 | 6,322 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,381,000 | 4,480 |
| Total interest expense | $1,965,000 | 4,597 |
| Net interest income | $3,416,000 | 4,328 |
| Provision for loan and lease losses | $81,000 | 4,485 |
| Total noninterest income | $226,000 | 6,223 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $139,000 | 5,188 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 6,082 |
| Total noninterest expense | $3,071,000 | 3,918 |
| Salaries and employee benefits | $1,650,000 | 3,967 |
| Premises and equipment expense | $418,000 | 3,998 |
| Additional noninterest expense | $1,003,000 | 3,595 |
| Pre-tax net operating income | $490,000 | 6,256 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $133,000 | 4,616 |
| Income before extraordinary items | $357,000 | 6,439 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $357,000 | 6,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,579 |
| Cash dividends | $204,000 | 4,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $357,000 | 6,437 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,494,000 | 4,512 |
| Total interest expense | $1,206,000 | 4,702 |
| Net interest income | $2,288,000 | 4,310 |
| Provision for loan and lease losses | $54,000 | 4,368 |
| Total noninterest income | $138,000 | 6,394 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $87,000 | 5,304 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $51,000 | 6,354 |
| Total noninterest expense | $1,996,000 | 4,012 |
| Salaries and employee benefits | $1,083,000 | 4,029 |
| Premises and equipment expense | $277,000 | 4,017 |
| Additional noninterest expense | $636,000 | 3,749 |
| Pre-tax net operating income | $376,000 | 6,020 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $87,000 | 4,702 |
| Income before extraordinary items | $289,000 | 6,086 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $289,000 | 6,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,282 |
| Cash dividends | $204,000 | 3,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $289,000 | 6,082 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,743,000 | 4,470 |
| Total interest expense | $573,000 | 4,708 |
| Net interest income | $1,170,000 | 4,228 |
| Provision for loan and lease losses | $27,000 | 4,199 |
| Total noninterest income | $65,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $31,000 | 6,011 |
| Total noninterest expense | $1,011,000 | 3,998 |
| Salaries and employee benefits | $559,000 | 3,957 |
| Premises and equipment expense | $146,000 | 3,863 |
| Additional noninterest expense | $306,000 | 3,834 |
| Pre-tax net operating income | $197,000 | 5,870 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $46,000 | 4,590 |
| Income before extraordinary items | $151,000 | 5,955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $151,000 | 5,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 1,941 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $151,000 | 5,952 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,826,000 | 4,225 |
| Total interest expense | $1,812,000 | 4,720 |
| Net interest income | $5,014,000 | 3,941 |
| Provision for loan and lease losses | $132,000 | 4,316 |
| Total noninterest income | $351,000 | 6,010 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $252,000 | 4,559 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $99,000 | 6,420 |
| Total noninterest expense | $3,844,000 | 3,988 |
| Salaries and employee benefits | $1,986,000 | 4,142 |
| Premises and equipment expense | $553,000 | 3,890 |
| Additional noninterest expense | $1,305,000 | 3,609 |
| Pre-tax net operating income | $1,389,000 | 4,567 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $387,000 | 3,749 |
| Income before extraordinary items | $1,002,000 | 4,838 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,002,000 | 4,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,583 |
| Cash dividends | $513,000 | 3,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,002,000 | 4,808 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,099,000 | 4,179 |
| Total interest expense | $1,317,000 | 4,673 |
| Net interest income | $3,782,000 | 3,918 |
| Provision for loan and lease losses | $105,000 | 4,091 |
| Total noninterest income | $213,000 | 6,472 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $196,000 | 4,503 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 8,089 |
| Total noninterest expense | $2,913,000 | 3,918 |
| Salaries and employee benefits | $1,505,000 | 4,083 |
| Premises and equipment expense | $415,000 | 3,864 |
| Additional noninterest expense | $993,000 | 3,518 |
| Pre-tax net operating income | $977,000 | 4,822 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $266,000 | 3,986 |
| Income before extraordinary items | $711,000 | 5,055 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $711,000 | 5,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 3,359 |
| Cash dividends | $204,000 | 4,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $711,000 | 5,008 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,388,000 | 4,127 |
| Total interest expense | $868,000 | 4,541 |
| Net interest income | $2,520,000 | 3,897 |
| Provision for loan and lease losses | $77,000 | 3,794 |
| Total noninterest income | $125,000 | 6,674 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $139,000 | 4,326 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-14,000 | 8,843 |
| Total noninterest expense | $1,952,000 | 3,883 |
| Salaries and employee benefits | $995,000 | 4,098 |
| Premises and equipment expense | $288,000 | 3,731 |
| Additional noninterest expense | $669,000 | 3,478 |
| Pre-tax net operating income | $616,000 | 4,945 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $165,000 | 4,107 |
| Income before extraordinary items | $451,000 | 5,147 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $451,000 | 5,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $204,000 | 3,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $451,000 | 5,094 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,692,000 | 4,110 |
| Total interest expense | $430,000 | 4,456 |
| Net interest income | $1,262,000 | 3,897 |
| Provision for loan and lease losses | $4,000 | 5,908 |
| Total noninterest income | $82,000 | 6,117 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $63,000 | 4,498 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,923 |
| Total noninterest expense | $1,044,000 | 3,725 |
| Salaries and employee benefits | $528,000 | 3,924 |
| Premises and equipment expense | $162,000 | 3,432 |
| Additional noninterest expense | $354,000 | 3,333 |
| Pre-tax net operating income | $296,000 | 5,029 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $78,000 | 4,150 |
| Income before extraordinary items | $218,000 | 5,199 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $218,000 | 5,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $218,000 | 5,169 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,728,000 | 3,926 |
| Total interest expense | $1,950,000 | 3,725 |
| Net interest income | $4,778,000 | 3,941 |
| Provision for loan and lease losses | $135,000 | 4,427 |
| Total noninterest income | $405,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $283,000 | 4,449 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $122,000 | 6,074 |
| Total noninterest expense | $3,957,000 | 3,783 |
| Salaries and employee benefits | $2,020,000 | 3,965 |
| Premises and equipment expense | $560,000 | 3,748 |
| Additional noninterest expense | $1,377,000 | 3,348 |
| Pre-tax net operating income | $1,091,000 | 5,015 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $232,000 | 4,552 |
| Income before extraordinary items | $867,000 | 5,073 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $867,000 | 5,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,468 |
| Cash dividends | $550,000 | 3,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $860,680 | 5,024 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,014,000 | 3,930 |
| Total interest expense | $1,494,000 | 3,622 |
| Net interest income | $3,520,000 | 3,992 |
| Provision for loan and lease losses | $108,000 | 4,154 |
| Total noninterest income | $297,000 | 5,844 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $218,000 | 4,420 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 6,329 |
| Total noninterest expense | $3,007,000 | 3,707 |
| Salaries and employee benefits | $1,550,000 | 3,860 |
| Premises and equipment expense | $415,000 | 3,774 |
| Additional noninterest expense | $1,042,000 | 3,302 |
| Pre-tax net operating income | $702,000 | 5,515 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $124,000 | 5,093 |
| Income before extraordinary items | $586,000 | 5,426 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $586,000 | 5,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,559 |
| Cash dividends | $240,000 | 3,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $579,360 | 5,381 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,302,000 | 3,962 |
| Total interest expense | $1,013,000 | 3,558 |
| Net interest income | $2,289,000 | 4,068 |
| Provision for loan and lease losses | $81,000 | 3,895 |
| Total noninterest income | $194,000 | 5,889 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $153,000 | 4,277 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $41,000 | 6,763 |
| Total noninterest expense | $2,022,000 | 3,699 |
| Salaries and employee benefits | $1,044,000 | 3,847 |
| Premises and equipment expense | $280,000 | 3,753 |
| Additional noninterest expense | $698,000 | 3,316 |
| Pre-tax net operating income | $380,000 | 5,982 |
| Securities gains (losses) | $-5,000 | 8,574 |
| Applicable income taxes | $38,000 | 5,863 |
| Income before extraordinary items | $337,000 | 5,767 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $337,000 | 5,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $240,000 | 3,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $341,500 | 5,654 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,639,000 | 3,977 |
| Total interest expense | $518,000 | 3,524 |
| Net interest income | $1,121,000 | 4,128 |
| Provision for loan and lease losses | $41,000 | 3,702 |
| Total noninterest income | $116,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $87,000 | 3,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $1,027,000 | 3,673 |
| Salaries and employee benefits | $525,000 | 3,847 |
| Premises and equipment expense | $142,000 | 3,735 |
| Additional noninterest expense | $360,000 | 3,207 |
| Pre-tax net operating income | $169,000 | 6,189 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $10,000 | 6,242 |
| Income before extraordinary items | $159,000 | 5,868 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $159,000 | 5,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $159,000 | 5,747 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,043,000 | 3,802 |
| Total interest expense | $2,458,000 | 3,375 |
| Net interest income | $4,585,000 | 3,947 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $371,000 | 6,126 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $253,000 | 4,733 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $118,000 | 6,251 |
| Total noninterest expense | $3,713,000 | 3,917 |
| Salaries and employee benefits | $1,825,000 | 4,217 |
| Premises and equipment expense | $546,000 | 3,802 |
| Additional noninterest expense | $1,342,000 | 3,404 |
| Pre-tax net operating income | $1,063,000 | 5,012 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $213,000 | 4,835 |
| Income before extraordinary items | $850,000 | 5,088 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $850,000 | 5,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,310 |
| Cash dividends | $530,000 | 3,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $850,000 | 4,923 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,312,000 | 3,835 |
| Total interest expense | $1,900,000 | 3,412 |
| Net interest income | $3,412,000 | 3,979 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $282,000 | 6,147 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $186,000 | 4,799 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $96,000 | 6,163 |
| Total noninterest expense | $2,771,000 | 3,917 |
| Salaries and employee benefits | $1,376,000 | 4,196 |
| Premises and equipment expense | $405,000 | 3,814 |
| Additional noninterest expense | $990,000 | 3,430 |
| Pre-tax net operating income | $788,000 | 5,178 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $160,000 | 4,998 |
| Income before extraordinary items | $628,000 | 5,279 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $628,000 | 5,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,610 |
| Cash dividends | $200,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $628,000 | 5,099 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,559,000 | 3,842 |
| Total interest expense | $1,297,000 | 3,449 |
| Net interest income | $2,262,000 | 4,002 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $186,000 | 6,157 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $123,000 | 4,793 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $63,000 | 6,165 |
| Total noninterest expense | $1,832,000 | 3,939 |
| Salaries and employee benefits | $912,000 | 4,216 |
| Premises and equipment expense | $273,000 | 3,763 |
| Additional noninterest expense | $647,000 | 3,468 |
| Pre-tax net operating income | $526,000 | 5,187 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $114,000 | 4,945 |
| Income before extraordinary items | $412,000 | 5,316 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $412,000 | 5,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,218 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $412,000 | 5,116 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 3,880 |
| Total interest expense | $648,000 | 3,530 |
| Net interest income | $1,120,000 | 4,041 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $93,000 | 6,074 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 4,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $31,000 | 6,166 |
| Total noninterest expense | $931,000 | 3,887 |
| Salaries and employee benefits | $463,000 | 4,138 |
| Premises and equipment expense | $136,000 | 3,779 |
| Additional noninterest expense | $332,000 | 3,346 |
| Pre-tax net operating income | $237,000 | 5,426 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $48,000 | 5,169 |
| Income before extraordinary items | $189,000 | 5,459 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $189,000 | 5,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $189,000 | 5,266 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,235,000 | 3,937 |
| Total interest expense | $2,837,000 | 3,693 |
| Net interest income | $4,398,000 | 4,071 |
| Provision for loan and lease losses | $180,000 | 4,547 |
| Total noninterest income | $378,000 | 5,915 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $257,000 | 4,625 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $121,000 | 6,044 |
| Total noninterest expense | $3,479,000 | 3,993 |
| Salaries and employee benefits | $1,806,000 | 4,079 |
| Premises and equipment expense | $463,000 | 4,186 |
| Additional noninterest expense | $1,210,000 | 3,590 |
| Pre-tax net operating income | $1,117,000 | 4,905 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $271,000 | 4,611 |
| Income before extraordinary items | $846,000 | 5,054 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $846,000 | 5,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,350 |
| Cash dividends | $500,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $846,000 | 4,922 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 4,314 |
| Total interest expense | $3,339,000 | 4,352 |
| Net interest income | $3,916,000 | 4,191 |
| Provision for loan and lease losses | $140,000 | 4,923 |
| Total noninterest income | $334,000 | 6,133 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $247,000 | 4,669 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $87,000 | 6,726 |
| Total noninterest expense | $3,109,000 | 4,215 |
| Salaries and employee benefits | $1,602,000 | 4,300 |
| Premises and equipment expense | $416,000 | 4,480 |
| Additional noninterest expense | $1,091,000 | 3,788 |
| Pre-tax net operating income | $1,001,000 | 4,896 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $231,000 | 4,745 |
| Income before extraordinary items | $770,000 | 4,970 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $770,000 | 4,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 3,270 |
| Cash dividends | $662,000 | 2,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $770,000 | 4,852 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,348,000 | 4,411 |
| Total interest expense | $3,307,000 | 4,568 |
| Net interest income | $4,041,000 | 4,148 |
| Provision for loan and lease losses | $385,000 | 2,345 |
| Total noninterest income | $361,000 | 5,821 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $244,000 | 4,583 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $117,000 | 6,051 |
| Total noninterest expense | $3,142,000 | 4,070 |
| Salaries and employee benefits | $1,610,000 | 4,130 |
| Premises and equipment expense | $371,000 | 4,747 |
| Additional noninterest expense | $1,161,000 | 3,538 |
| Pre-tax net operating income | $875,000 | 5,626 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $205,000 | 5,340 |
| Income before extraordinary items | $672,000 | 5,523 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $672,000 | 5,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,395 |
| Cash dividends | $595,000 | 3,256 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $672,000 | 5,527 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,238,000 | 4,276 |
| Total interest expense | $3,229,000 | 4,328 |
| Net interest income | $4,009,000 | 4,164 |
| Provision for loan and lease losses | $48,000 | 6,602 |
| Total noninterest income | $354,000 | 5,975 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $89,000 | 6,897 |
| Total noninterest expense | $2,935,000 | 4,291 |
| Salaries and employee benefits | $1,506,000 | 4,322 |
| Premises and equipment expense | $358,000 | 4,887 |
| Additional noninterest expense | $1,071,000 | 3,792 |
| Pre-tax net operating income | $1,380,000 | 4,343 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $366,000 | 4,378 |
| Income before extraordinary items | $1,014,000 | 4,393 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,014,000 | 4,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,102 |
| Cash dividends | $495,000 | 3,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,014,000 | 4,362 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,112,000 | 4,344 |
| Total interest expense | $3,276,000 | 4,403 |
| Net interest income | $3,836,000 | 4,267 |
| Provision for loan and lease losses | $36,000 | 7,078 |
| Total noninterest income | $262,000 | 6,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 8,120 |
| Total noninterest expense | $2,777,000 | 4,407 |
| Salaries and employee benefits | $1,438,000 | 4,392 |
| Premises and equipment expense | $285,000 | 5,544 |
| Additional noninterest expense | $1,054,000 | 3,775 |
| Pre-tax net operating income | $1,285,000 | 4,665 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $382,000 | 4,540 |
| Income before extraordinary items | $903,000 | 4,813 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $903,000 | 4,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $1,557,000 | 1,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $903,000 | 4,718 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,107,000 | 4,442 |
| Total interest expense | $3,363,000 | 4,264 |
| Net interest income | $3,744,000 | 4,477 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $319,000 | 6,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,218 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,518 |
| Total noninterest expense | $2,693,000 | 4,488 |
| Salaries and employee benefits | $1,310,000 | 4,755 |
| Premises and equipment expense | $217,000 | 6,538 |
| Additional noninterest expense | $1,166,000 | 3,429 |
| Pre-tax net operating income | $1,346,000 | 4,848 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $380,000 | 5,042 |
| Income before extraordinary items | $966,000 | 4,819 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $966,000 | 4,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,752 |
| Cash dividends | $483,000 | 3,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $966,000 | 4,760 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,082,000 | 4,528 |
| Total interest expense | $3,586,000 | 4,102 |
| Net interest income | $3,496,000 | 4,832 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $304,000 | 6,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,405 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,288 |
| Total noninterest expense | $2,452,000 | 5,080 |
| Salaries and employee benefits | $1,214,000 | 5,153 |
| Premises and equipment expense | $272,000 | 5,939 |
| Additional noninterest expense | $966,000 | 4,534 |
| Pre-tax net operating income | $1,348,000 | 4,719 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $363,000 | 5,207 |
| Income before extraordinary items | $985,000 | 4,571 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $985,000 | 4,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,970 |
| Cash dividends | $483,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $985,000 | 4,517 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,798,000 | 4,685 |
| Total interest expense | $3,438,000 | 4,221 |
| Net interest income | $3,360,000 | 5,034 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $323,000 | 6,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $212,000 | 5,481 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,893 |
| Total noninterest expense | $2,380,000 | 5,209 |
| Salaries and employee benefits | $1,135,000 | 5,466 |
| Premises and equipment expense | $250,000 | 6,348 |
| Additional noninterest expense | $995,000 | 4,367 |
| Pre-tax net operating income | $1,303,000 | 4,961 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $325,000 | 5,718 |
| Income before extraordinary items | $978,000 | 4,691 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $978,000 | 4,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,247 |
| Cash dividends | $483,000 | 3,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $978,000 | 4,664 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,556,000 | 4,487 |
| Total interest expense | $2,881,000 | 4,106 |
| Net interest income | $3,675,000 | 4,725 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $291,000 | 7,362 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $204,000 | 5,789 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 7,945 |
| Total noninterest expense | $2,413,000 | 5,316 |
| Salaries and employee benefits | $1,103,000 | 5,625 |
| Premises and equipment expense | $253,000 | 6,473 |
| Additional noninterest expense | $1,057,000 | 4,498 |
| Pre-tax net operating income | $1,553,000 | 4,281 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $389,000 | 4,862 |
| Income before extraordinary items | $1,164,000 | 3,971 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,164,000 | 3,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $483,000 | 3,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,164,000 | 4,014 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,464,000 | 4,632 |
| Total interest expense | $3,071,000 | 4,033 |
| Net interest income | $3,393,000 | 5,085 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $263,000 | 8,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 6,452 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 8,348 |
| Total noninterest expense | $2,258,000 | 5,744 |
| Salaries and employee benefits | $1,043,000 | 5,912 |
| Premises and equipment expense | $239,000 | 6,903 |
| Additional noninterest expense | $978,000 | 5,010 |
| Pre-tax net operating income | $1,378,000 | 4,649 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $334,000 | 5,684 |
| Income before extraordinary items | $1,051,000 | 4,505 |
| Extraordinary gains, net | $35,000 | 2,385 |
| Net income | $1,086,000 | 4,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 8,297 |
| Cash dividends | $414,000 | 3,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,045,680 | 4,286 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,484,000 | 5,153 |
| Total interest expense | $3,318,000 | 4,752 |
| Net interest income | $3,166,000 | 5,462 |
| Provision for loan and lease losses | $78,000 | 7,978 |
| Total noninterest income | $200,000 | 9,415 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 7,077 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 10,461 |
| Total noninterest expense | $2,127,000 | 6,092 |
| Salaries and employee benefits | $948,000 | 6,342 |
| Premises and equipment expense | $248,000 | 6,814 |
| Additional noninterest expense | $931,000 | 5,370 |
| Pre-tax net operating income | $1,161,000 | 5,049 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $209,000 | 7,384 |
| Income before extraordinary items | $952,000 | 4,708 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $952,000 | 4,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 8,560 |
| Cash dividends | $414,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $952,000 | 4,384 |
* 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.