Home > The Community Bank, A Massachusetts Cooperative Bank > Income and Expense
The Community Bank, A Massachusetts Cooperative Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,889,000 | 2,249 |
| Total interest expense | $1,869,000 | 1,822 |
| Net interest income | $7,020,000 | 2,335 |
| Provision for loan and lease losses | $85,000 | 4,548 |
| Total noninterest income | $737,000 | 3,321 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $455,000 | 2,162 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $282,000 | 3,765 |
| Total noninterest expense | $9,082,000 | 1,610 |
| Salaries and employee benefits | $3,794,000 | 1,993 |
| Premises and equipment expense | $944,000 | 1,886 |
| Additional noninterest expense | $4,344,000 | 1,187 |
| Pre-tax net operating income | $-1,410,000 | 6,912 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $3,000 | 4,607 |
| Income before extraordinary items | $-1,413,000 | 6,944 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-1,413,000 | 6,941 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,413,000 | 6,943 |
| Net charge-offs | $1,124,000 | 1,350 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-1,413,000 | 6,915 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,052,000 | 2,207 |
| Total interest expense | $1,250,000 | 1,876 |
| Net interest income | $4,802,000 | 2,265 |
| Provision for loan and lease losses | $325,000 | 2,305 |
| Total noninterest income | $631,000 | 2,845 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $321,000 | 2,039 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $310,000 | 3,025 |
| Total noninterest expense | $6,158,000 | 1,577 |
| Salaries and employee benefits | $2,562,000 | 1,965 |
| Premises and equipment expense | $638,000 | 1,861 |
| Additional noninterest expense | $2,958,000 | 1,161 |
| Pre-tax net operating income | $-1,050,000 | 6,979 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $2,000 | 4,564 |
| Income before extraordinary items | $-1,052,000 | 7,006 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,052,000 | 7,005 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,052,000 | 7,006 |
| Net charge-offs | $497,000 | 1,774 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-1,052,000 | 6,990 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,063,000 | 2,204 |
| Total interest expense | $637,000 | 1,926 |
| Net interest income | $2,426,000 | 2,257 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $413,000 | 2,435 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $162,000 | 2,011 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $251,000 | 2,337 |
| Total noninterest expense | $3,094,000 | 1,578 |
| Salaries and employee benefits | $1,264,000 | 1,986 |
| Premises and equipment expense | $319,000 | 1,867 |
| Additional noninterest expense | $1,511,000 | 1,129 |
| Pre-tax net operating income | $-255,000 | 6,908 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $1,000 | 4,577 |
| Income before extraordinary items | $-256,000 | 6,950 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-256,000 | 6,951 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-256,000 | 6,951 |
| Net charge-offs | $122,000 | 2,285 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-256,000 | 6,911 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,029,000 | 1,999 |
| Total interest expense | $2,832,000 | 2,060 |
| Net interest income | $11,197,000 | 1,957 |
| Provision for loan and lease losses | $1,480,000 | 1,906 |
| Total noninterest income | $1,283,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $854,000 | 1,697 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $429,000 | 3,332 |
| Total noninterest expense | $13,523,000 | 1,433 |
| Salaries and employee benefits | $5,449,000 | 1,776 |
| Premises and equipment expense | $1,425,000 | 1,739 |
| Additional noninterest expense | $6,649,000 | 1,047 |
| Pre-tax net operating income | $-2,523,000 | 6,861 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $2,731,000 | 620 |
| Income before extraordinary items | $-5,254,000 | 7,073 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,227,000 | 7,071 |
| Minority interest net income | $-27,000 | 7,340 |
| Net income of bank and minority interests. | $-5,254,000 | 7,072 |
| Net charge-offs | $1,947,000 | 1,582 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-5,254,000 | 7,067 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $10,597,000 | 2,007 |
| Total interest expense | $2,177,000 | 2,090 |
| Net interest income | $8,420,000 | 1,955 |
| Provision for loan and lease losses | $775,000 | 2,308 |
| Total noninterest income | $979,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $639,000 | 1,703 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $340,000 | 3,271 |
| Total noninterest expense | $10,566,000 | 1,391 |
| Salaries and employee benefits | $4,331,000 | 1,691 |
| Premises and equipment expense | $1,138,000 | 1,654 |
| Additional noninterest expense | $5,097,000 | 1,034 |
| Pre-tax net operating income | $-1,942,000 | 6,999 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $1,155,000 | 969 |
| Income before extraordinary items | $-3,097,000 | 7,156 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,070,000 | 7,156 |
| Minority interest net income | $-27,000 | 7,421 |
| Net income of bank and minority interests. | $-3,097,000 | 7,157 |
| Net charge-offs | $1,278,000 | 1,664 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-3,097,000 | 7,144 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,221,000 | 1,984 |
| Total interest expense | $1,504,000 | 2,097 |
| Net interest income | $5,717,000 | 1,930 |
| Provision for loan and lease losses | $750,000 | 1,800 |
| Total noninterest income | $674,000 | 2,606 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $424,000 | 1,687 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $250,000 | 3,161 |
| Total noninterest expense | $7,335,000 | 1,356 |
| Salaries and employee benefits | $2,952,000 | 1,674 |
| Premises and equipment expense | $818,000 | 1,537 |
| Additional noninterest expense | $3,565,000 | 1,017 |
| Pre-tax net operating income | $-1,694,000 | 7,130 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,154,000 | 679 |
| Income before extraordinary items | $-2,848,000 | 7,281 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,821,000 | 7,278 |
| Minority interest net income | $-27,000 | 7,501 |
| Net income of bank and minority interests. | $-2,848,000 | 7,282 |
| Net charge-offs | $1,230,000 | 1,294 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-2,848,000 | 7,274 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,682,000 | 1,961 |
| Total interest expense | $784,000 | 2,099 |
| Net interest income | $2,898,000 | 1,903 |
| Provision for loan and lease losses | $150,000 | 2,750 |
| Total noninterest income | $562,000 | 1,832 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $186,000 | 1,853 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $376,000 | 1,639 |
| Total noninterest expense | $3,410,000 | 1,454 |
| Salaries and employee benefits | $1,402,000 | 1,762 |
| Premises and equipment expense | $445,000 | 1,446 |
| Additional noninterest expense | $1,563,000 | 1,141 |
| Pre-tax net operating income | $-100,000 | 6,684 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-49,000 | 7,191 |
| Income before extraordinary items | $-51,000 | 6,586 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-43,000 | 6,565 |
| Minority interest net income | $-8,000 | 7,559 |
| Net income of bank and minority interests. | $-51,000 | 6,586 |
| Net charge-offs | $447,000 | 1,431 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-51,000 | 6,568 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,129,000 | 1,876 |
| Total interest expense | $4,319,000 | 1,859 |
| Net interest income | $11,810,000 | 1,863 |
| Provision for loan and lease losses | $1,491,000 | 2,480 |
| Total noninterest income | $1,541,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $795,000 | 1,839 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $746,000 | 2,592 |
| Total noninterest expense | $14,265,000 | 1,397 |
| Salaries and employee benefits | $5,707,000 | 1,707 |
| Premises and equipment expense | $1,607,000 | 1,590 |
| Additional noninterest expense | $6,951,000 | 1,063 |
| Pre-tax net operating income | $-2,405,000 | 6,846 |
| Securities gains (losses) | $38,000 | 2,818 |
| Applicable income taxes | $-772,000 | 7,267 |
| Income before extraordinary items | $-1,595,000 | 6,766 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,587,000 | 6,765 |
| Minority interest net income | $-8,000 | 7,639 |
| Net income of bank and minority interests. | $-1,595,000 | 6,767 |
| Net charge-offs | $3,008,000 | 1,467 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,620,460 | 6,744 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,306,000 | 1,881 |
| Total interest expense | $3,370,000 | 1,861 |
| Net interest income | $8,936,000 | 1,878 |
| Provision for loan and lease losses | $1,441,000 | 2,037 |
| Total noninterest income | $1,034,000 | 2,669 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $609,000 | 1,859 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $425,000 | 3,022 |
| Total noninterest expense | $10,720,000 | 1,392 |
| Salaries and employee benefits | $4,376,000 | 1,673 |
| Premises and equipment expense | $1,213,000 | 1,605 |
| Additional noninterest expense | $5,131,000 | 1,044 |
| Pre-tax net operating income | $-2,191,000 | 7,099 |
| Securities gains (losses) | $38,000 | 2,592 |
| Applicable income taxes | $-749,000 | 7,448 |
| Income before extraordinary items | $-1,404,000 | 7,022 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,402,000 | 7,019 |
| Minority interest net income | $-2,000 | 7,740 |
| Net income of bank and minority interests. | $-1,404,000 | 7,022 |
| Net charge-offs | $2,973,000 | 1,151 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-1,428,700 | 6,991 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,275,000 | 1,892 |
| Total interest expense | $2,339,000 | 1,860 |
| Net interest income | $5,936,000 | 1,888 |
| Provision for loan and lease losses | $972,000 | 1,978 |
| Total noninterest income | $947,000 | 2,128 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $424,000 | 1,790 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $523,000 | 2,031 |
| Total noninterest expense | $6,931,000 | 1,426 |
| Salaries and employee benefits | $2,955,000 | 1,673 |
| Premises and equipment expense | $819,000 | 1,598 |
| Additional noninterest expense | $3,157,000 | 1,126 |
| Pre-tax net operating income | $-1,020,000 | 7,022 |
| Securities gains (losses) | $43,000 | 1,985 |
| Applicable income taxes | $-333,000 | 7,414 |
| Income before extraordinary items | $-644,000 | 6,936 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-645,000 | 6,937 |
| Minority interest net income | $1,000 | 102 |
| Net income of bank and minority interests. | $-644,000 | 6,936 |
| Net charge-offs | $2,324,000 | 1,013 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-672,380 | 6,911 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 1,929 |
| Total interest expense | $1,233,000 | 1,865 |
| Net interest income | $2,921,000 | 1,943 |
| Provision for loan and lease losses | $237,000 | 2,766 |
| Total noninterest income | $660,000 | 1,670 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $212,000 | 1,786 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $448,000 | 1,404 |
| Total noninterest expense | $3,250,000 | 1,546 |
| Salaries and employee benefits | $1,501,000 | 1,662 |
| Premises and equipment expense | $411,000 | 1,645 |
| Additional noninterest expense | $1,338,000 | 1,326 |
| Pre-tax net operating income | $94,000 | 5,120 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $14,000 | 3,633 |
| Income before extraordinary items | $80,000 | 5,259 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $76,000 | 5,317 |
| Minority interest net income | $4,000 | 80 |
| Net income of bank and minority interests. | $80,000 | 5,259 |
| Net charge-offs | $1,734,000 | 720 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $80,000 | 5,138 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $18,800,000 | 1,820 |
| Total interest expense | $7,509,000 | 1,564 |
| Net interest income | $11,291,000 | 1,960 |
| Provision for loan and lease losses | $4,063,000 | 1,646 |
| Total noninterest income | $2,672,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $842,000 | 1,967 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,830,000 | 1,459 |
| Total noninterest expense | $12,887,000 | 1,607 |
| Salaries and employee benefits | $6,377,000 | 1,557 |
| Premises and equipment expense | $1,647,000 | 1,642 |
| Additional noninterest expense | $4,863,000 | 1,534 |
| Pre-tax net operating income | $-2,987,000 | 6,886 |
| Securities gains (losses) | $152,000 | 1,783 |
| Applicable income taxes | $-1,004,000 | 7,282 |
| Income before extraordinary items | $-1,831,000 | 6,696 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,825,000 | 6,692 |
| Minority interest net income | $-6,000 | 7,988 |
| Net income of bank and minority interests. | $-1,831,000 | 6,695 |
| Net charge-offs | $4,024,000 | 1,337 |
| Cash dividends | $92,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,929,800 | 6,728 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $14,442,000 | 1,795 |
| Total interest expense | $6,015,000 | 1,544 |
| Net interest income | $8,427,000 | 1,961 |
| Provision for loan and lease losses | $1,615,000 | 2,132 |
| Total noninterest income | $2,168,000 | 1,682 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $602,000 | 2,049 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,566,000 | 1,353 |
| Total noninterest expense | $9,640,000 | 1,589 |
| Salaries and employee benefits | $4,923,000 | 1,537 |
| Premises and equipment expense | $1,255,000 | 1,622 |
| Additional noninterest expense | $3,462,000 | 1,555 |
| Pre-tax net operating income | $-660,000 | 6,452 |
| Securities gains (losses) | $152,000 | 1,499 |
| Applicable income taxes | $-200,000 | 7,098 |
| Income before extraordinary items | $-308,000 | 6,247 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-304,000 | 6,244 |
| Minority interest net income | $-4,000 | 8,081 |
| Net income of bank and minority interests. | $-308,000 | 6,247 |
| Net charge-offs | $3,176,000 | 1,144 |
| Cash dividends | $92,000 | 3,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-405,280 | 6,336 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,839,000 | 1,793 |
| Total interest expense | $4,237,000 | 1,551 |
| Net interest income | $5,602,000 | 1,959 |
| Provision for loan and lease losses | $1,250,000 | 1,805 |
| Total noninterest income | $1,566,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $385,000 | 2,085 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,181,000 | 1,280 |
| Total noninterest expense | $6,317,000 | 1,636 |
| Salaries and employee benefits | $3,275,000 | 1,566 |
| Premises and equipment expense | $876,000 | 1,589 |
| Additional noninterest expense | $2,166,000 | 1,679 |
| Pre-tax net operating income | $-399,000 | 6,544 |
| Securities gains (losses) | $136,000 | 1,261 |
| Applicable income taxes | $-103,000 | 7,151 |
| Income before extraordinary items | $-160,000 | 6,301 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-156,000 | 6,294 |
| Minority interest net income | $-4,000 | 8,172 |
| Net income of bank and minority interests. | $-160,000 | 6,300 |
| Net charge-offs | $2,900,000 | 880 |
| Cash dividends | $92,000 | 3,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-247,040 | 6,448 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,015,000 | 1,784 |
| Total interest expense | $2,183,000 | 1,560 |
| Net interest income | $2,832,000 | 1,928 |
| Provision for loan and lease losses | $700,000 | 1,458 |
| Total noninterest income | $879,000 | 1,437 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $189,000 | 2,057 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $690,000 | 1,124 |
| Total noninterest expense | $3,188,000 | 1,579 |
| Salaries and employee benefits | $1,657,000 | 1,571 |
| Premises and equipment expense | $480,000 | 1,479 |
| Additional noninterest expense | $1,051,000 | 1,535 |
| Pre-tax net operating income | $-177,000 | 6,845 |
| Securities gains (losses) | $86,000 | 1,075 |
| Applicable income taxes | $2,000 | 4,551 |
| Income before extraordinary items | $-93,000 | 6,792 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-100,000 | 6,811 |
| Minority interest net income | $7,000 | 81 |
| Net income of bank and minority interests. | $-93,000 | 6,793 |
| Net charge-offs | $1,915,000 | 617 |
| Cash dividends | $92,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-179,000 | 6,917 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,599,000 | 1,705 |
| Total interest expense | $10,676,000 | 1,521 |
| Net interest income | $11,923,000 | 1,871 |
| Provision for loan and lease losses | $3,214,000 | 1,325 |
| Total noninterest income | $2,536,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $887,000 | 1,943 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,649,000 | 1,495 |
| Total noninterest expense | $11,918,000 | 1,640 |
| Salaries and employee benefits | $6,432,000 | 1,604 |
| Premises and equipment expense | $1,733,000 | 1,593 |
| Additional noninterest expense | $3,753,000 | 1,648 |
| Pre-tax net operating income | $-673,000 | 6,856 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-498,000 | 7,495 |
| Income before extraordinary items | $-175,000 | 6,451 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-175,000 | 6,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 3,015 |
| Cash dividends | $370,000 | 3,801 |
| Sale, conversion, retirement of capital stock, net | $-198,000 | 8,249 |
| Net operating income | $-175,000 | 6,598 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,910,000 | 1,751 |
| Total interest expense | $8,279,000 | 1,531 |
| Net interest income | $8,631,000 | 1,962 |
| Provision for loan and lease losses | $1,314,000 | 1,559 |
| Total noninterest income | $1,953,000 | 1,802 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $663,000 | 1,958 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,290,000 | 1,508 |
| Total noninterest expense | $9,031,000 | 1,616 |
| Salaries and employee benefits | $4,850,000 | 1,619 |
| Premises and equipment expense | $1,309,000 | 1,597 |
| Additional noninterest expense | $2,872,000 | 1,554 |
| Pre-tax net operating income | $239,000 | 5,885 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-65,000 | 7,475 |
| Income before extraordinary items | $304,000 | 5,187 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $304,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 2,298 |
| Cash dividends | $278,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $-198,000 | 8,341 |
| Net operating income | $304,000 | 5,370 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,221,000 | 1,790 |
| Total interest expense | $5,661,000 | 1,550 |
| Net interest income | $5,560,000 | 2,003 |
| Provision for loan and lease losses | $901,000 | 1,300 |
| Total noninterest income | $1,361,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $425,000 | 1,997 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $936,000 | 1,469 |
| Total noninterest expense | $5,904,000 | 1,649 |
| Salaries and employee benefits | $3,201,000 | 1,645 |
| Premises and equipment expense | $878,000 | 1,583 |
| Additional noninterest expense | $1,825,000 | 1,614 |
| Pre-tax net operating income | $116,000 | 6,314 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-106,000 | 7,865 |
| Income before extraordinary items | $222,000 | 5,459 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $222,000 | 5,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,779 |
| Cash dividends | $185,000 | 3,534 |
| Sale, conversion, retirement of capital stock, net | $-198,000 | 8,420 |
| Net operating income | $222,000 | 5,397 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,741,000 | 1,788 |
| Total interest expense | $2,974,000 | 1,580 |
| Net interest income | $2,767,000 | 2,010 |
| Provision for loan and lease losses | $189,000 | 1,890 |
| Total noninterest income | $738,000 | 1,669 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $211,000 | 1,982 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $527,000 | 1,364 |
| Total noninterest expense | $2,877,000 | 1,683 |
| Salaries and employee benefits | $1,560,000 | 1,686 |
| Premises and equipment expense | $442,000 | 1,579 |
| Additional noninterest expense | $875,000 | 1,643 |
| Pre-tax net operating income | $439,000 | 3,324 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $116,000 | 2,632 |
| Income before extraordinary items | $323,000 | 3,634 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $323,000 | 3,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,452 |
| Cash dividends | $93,000 | 2,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $323,000 | 3,542 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,930,000 | 1,843 |
| Total interest expense | $12,435,000 | 1,616 |
| Net interest income | $10,495,000 | 2,159 |
| Provision for loan and lease losses | $366,000 | 2,834 |
| Total noninterest income | $2,606,000 | 1,817 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $898,000 | 1,927 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,708,000 | 1,522 |
| Total noninterest expense | $10,595,000 | 1,754 |
| Salaries and employee benefits | $6,249,000 | 1,615 |
| Premises and equipment expense | $1,515,000 | 1,729 |
| Additional noninterest expense | $2,831,000 | 1,945 |
| Pre-tax net operating income | $2,140,000 | 3,176 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $651,000 | 2,395 |
| Income before extraordinary items | $1,489,000 | 3,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,489,000 | 3,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,768 |
| Cash dividends | $370,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,489,000 | 3,454 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,111,000 | 1,858 |
| Total interest expense | $9,282,000 | 1,620 |
| Net interest income | $7,829,000 | 2,178 |
| Provision for loan and lease losses | $270,000 | 2,452 |
| Total noninterest income | $1,925,000 | 1,841 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $664,000 | 1,946 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,261,000 | 1,544 |
| Total noninterest expense | $7,837,000 | 1,756 |
| Salaries and employee benefits | $4,624,000 | 1,629 |
| Premises and equipment expense | $1,160,000 | 1,697 |
| Additional noninterest expense | $2,053,000 | 1,964 |
| Pre-tax net operating income | $1,647,000 | 3,267 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $507,000 | 2,515 |
| Income before extraordinary items | $1,140,000 | 3,587 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,140,000 | 3,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,889 |
| Cash dividends | $278,000 | 3,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,140,000 | 3,566 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,260,000 | 1,900 |
| Total interest expense | $6,064,000 | 1,659 |
| Net interest income | $5,196,000 | 2,210 |
| Provision for loan and lease losses | $174,000 | 2,406 |
| Total noninterest income | $1,301,000 | 1,838 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $425,000 | 2,007 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $876,000 | 1,532 |
| Total noninterest expense | $5,231,000 | 1,770 |
| Salaries and employee benefits | $3,061,000 | 1,676 |
| Premises and equipment expense | $782,000 | 1,698 |
| Additional noninterest expense | $1,388,000 | 1,942 |
| Pre-tax net operating income | $1,092,000 | 3,333 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $335,000 | 2,604 |
| Income before extraordinary items | $757,000 | 3,643 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $757,000 | 3,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,311 |
| Cash dividends | $185,000 | 3,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $757,000 | 3,621 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,537,000 | 1,921 |
| Total interest expense | $2,952,000 | 1,690 |
| Net interest income | $2,585,000 | 2,223 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $664,000 | 1,807 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $185,000 | 2,202 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $479,000 | 1,408 |
| Total noninterest expense | $2,602,000 | 1,777 |
| Salaries and employee benefits | $1,545,000 | 1,690 |
| Premises and equipment expense | $400,000 | 1,669 |
| Additional noninterest expense | $657,000 | 1,998 |
| Pre-tax net operating income | $647,000 | 2,960 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $211,000 | 2,327 |
| Income before extraordinary items | $436,000 | 3,304 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $436,000 | 3,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,916 |
| Cash dividends | $92,000 | 3,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $436,000 | 3,279 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,763,000 | 2,002 |
| Total interest expense | $9,508,000 | 1,766 |
| Net interest income | $10,255,000 | 2,250 |
| Provision for loan and lease losses | $560,000 | 1,724 |
| Total noninterest income | $2,367,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $818,000 | 2,080 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,549,000 | 1,630 |
| Total noninterest expense | $9,772,000 | 1,821 |
| Salaries and employee benefits | $5,468,000 | 1,787 |
| Premises and equipment expense | $1,566,000 | 1,635 |
| Additional noninterest expense | $2,738,000 | 1,926 |
| Pre-tax net operating income | $2,290,000 | 3,346 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $730,000 | 2,610 |
| Income before extraordinary items | $1,560,000 | 3,691 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,560,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 2,728 |
| Cash dividends | $370,000 | 4,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,560,000 | 3,668 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,494,000 | 2,034 |
| Total interest expense | $6,766,000 | 1,797 |
| Net interest income | $7,728,000 | 2,259 |
| Provision for loan and lease losses | $433,000 | 1,594 |
| Total noninterest income | $1,795,000 | 1,956 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $609,000 | 2,095 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,186,000 | 1,606 |
| Total noninterest expense | $7,277,000 | 1,832 |
| Salaries and employee benefits | $4,070,000 | 1,806 |
| Premises and equipment expense | $1,184,000 | 1,634 |
| Additional noninterest expense | $2,023,000 | 1,932 |
| Pre-tax net operating income | $1,813,000 | 3,326 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $588,000 | 2,627 |
| Income before extraordinary items | $1,225,000 | 3,687 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,225,000 | 3,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,008 |
| Cash dividends | $278,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,225,000 | 3,674 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,393,000 | 2,048 |
| Total interest expense | $4,182,000 | 1,834 |
| Net interest income | $5,211,000 | 2,249 |
| Provision for loan and lease losses | $305,000 | 1,445 |
| Total noninterest income | $1,097,000 | 2,077 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $390,000 | 2,143 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $707,000 | 1,753 |
| Total noninterest expense | $4,742,000 | 1,872 |
| Salaries and employee benefits | $2,562,000 | 1,903 |
| Premises and equipment expense | $823,000 | 1,574 |
| Additional noninterest expense | $1,357,000 | 1,928 |
| Pre-tax net operating income | $1,261,000 | 3,255 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $415,000 | 2,566 |
| Income before extraordinary items | $846,000 | 3,600 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $846,000 | 3,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 1,480 |
| Cash dividends | $185,000 | 3,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $846,000 | 3,590 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,555,000 | 2,067 |
| Total interest expense | $1,919,000 | 1,903 |
| Net interest income | $2,636,000 | 2,212 |
| Provision for loan and lease losses | $130,000 | 1,639 |
| Total noninterest income | $513,000 | 2,159 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $186,000 | 2,168 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $327,000 | 1,814 |
| Total noninterest expense | $2,444,000 | 1,817 |
| Salaries and employee benefits | $1,346,000 | 1,835 |
| Premises and equipment expense | $411,000 | 1,588 |
| Additional noninterest expense | $687,000 | 1,903 |
| Pre-tax net operating income | $575,000 | 3,411 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $185,000 | 2,713 |
| Income before extraordinary items | $390,000 | 3,756 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $390,000 | 3,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 821 |
| Cash dividends | $92,000 | 3,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $390,000 | 3,742 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,173,000 | 2,061 |
| Total interest expense | $5,220,000 | 2,115 |
| Net interest income | $10,953,000 | 2,020 |
| Provision for loan and lease losses | $925,000 | 1,121 |
| Total noninterest income | $1,880,000 | 2,322 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $740,000 | 2,249 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,140,000 | 2,031 |
| Total noninterest expense | $9,021,000 | 1,877 |
| Salaries and employee benefits | $5,439,000 | 1,724 |
| Premises and equipment expense | $1,276,000 | 1,896 |
| Additional noninterest expense | $2,306,000 | 2,172 |
| Pre-tax net operating income | $2,887,000 | 2,840 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $986,000 | 2,286 |
| Income before extraordinary items | $1,901,000 | 3,225 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,901,000 | 3,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,232 |
| Cash dividends | $370,000 | 4,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,901,000 | 3,190 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,713,000 | 2,084 |
| Total interest expense | $3,548,000 | 2,189 |
| Net interest income | $8,165,000 | 2,022 |
| Provision for loan and lease losses | $475,000 | 1,467 |
| Total noninterest income | $1,361,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $541,000 | 2,288 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $820,000 | 2,087 |
| Total noninterest expense | $6,698,000 | 1,872 |
| Salaries and employee benefits | $4,096,000 | 1,685 |
| Premises and equipment expense | $916,000 | 1,962 |
| Additional noninterest expense | $1,686,000 | 2,194 |
| Pre-tax net operating income | $2,353,000 | 2,696 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $818,000 | 2,172 |
| Income before extraordinary items | $1,535,000 | 3,070 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,535,000 | 3,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,073 |
| Cash dividends | $277,000 | 3,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,535,000 | 3,034 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,563,000 | 2,085 |
| Total interest expense | $2,197,000 | 2,225 |
| Net interest income | $5,366,000 | 2,027 |
| Provision for loan and lease losses | $355,000 | 1,319 |
| Total noninterest income | $811,000 | 2,516 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $345,000 | 2,335 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $466,000 | 2,291 |
| Total noninterest expense | $4,325,000 | 1,917 |
| Salaries and employee benefits | $2,622,000 | 1,752 |
| Premises and equipment expense | $608,000 | 1,957 |
| Additional noninterest expense | $1,095,000 | 2,236 |
| Pre-tax net operating income | $1,497,000 | 2,760 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $517,000 | 2,229 |
| Income before extraordinary items | $980,000 | 3,140 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $980,000 | 3,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $185,000 | 3,629 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $980,000 | 3,094 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,696,000 | 2,095 |
| Total interest expense | $1,025,000 | 2,291 |
| Net interest income | $2,671,000 | 2,022 |
| Provision for loan and lease losses | $205,000 | 1,112 |
| Total noninterest income | $376,000 | 2,608 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $162,000 | 2,403 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $214,000 | 2,380 |
| Total noninterest expense | $2,123,000 | 1,949 |
| Salaries and employee benefits | $1,275,000 | 1,813 |
| Premises and equipment expense | $301,000 | 1,996 |
| Additional noninterest expense | $547,000 | 2,232 |
| Pre-tax net operating income | $719,000 | 2,794 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $247,000 | 2,291 |
| Income before extraordinary items | $472,000 | 3,182 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $472,000 | 3,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $92,000 | 3,038 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $472,000 | 3,144 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,506,000 | 2,299 |
| Total interest expense | $3,182,000 | 2,493 |
| Net interest income | $9,324,000 | 2,186 |
| Provision for loan and lease losses | $460,000 | 2,096 |
| Total noninterest income | $1,486,000 | 2,710 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $682,000 | 2,433 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $804,000 | 2,489 |
| Total noninterest expense | $7,851,000 | 2,039 |
| Salaries and employee benefits | $4,677,000 | 1,873 |
| Premises and equipment expense | $1,053,000 | 2,175 |
| Additional noninterest expense | $2,121,000 | 2,290 |
| Pre-tax net operating income | $2,499,000 | 3,013 |
| Securities gains (losses) | $22,000 | 2,338 |
| Applicable income taxes | $836,000 | 2,461 |
| Income before extraordinary items | $1,685,000 | 3,342 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,685,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,290 |
| Cash dividends | $476,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,670,260 | 3,297 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,081,000 | 2,340 |
| Total interest expense | $2,266,000 | 2,571 |
| Net interest income | $6,815,000 | 2,221 |
| Provision for loan and lease losses | $300,000 | 2,260 |
| Total noninterest income | $1,145,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $503,000 | 2,488 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $642,000 | 2,401 |
| Total noninterest expense | $5,818,000 | 2,054 |
| Salaries and employee benefits | $3,423,000 | 1,904 |
| Premises and equipment expense | $782,000 | 2,196 |
| Additional noninterest expense | $1,613,000 | 2,240 |
| Pre-tax net operating income | $1,842,000 | 3,089 |
| Securities gains (losses) | $22,000 | 2,247 |
| Applicable income taxes | $616,000 | 2,526 |
| Income before extraordinary items | $1,248,000 | 3,447 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,248,000 | 3,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,495 |
| Cash dividends | $383,000 | 3,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,233,260 | 3,388 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,828,000 | 2,409 |
| Total interest expense | $1,439,000 | 2,660 |
| Net interest income | $4,389,000 | 2,281 |
| Provision for loan and lease losses | $140,000 | 2,884 |
| Total noninterest income | $759,000 | 2,683 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $323,000 | 2,553 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $436,000 | 2,393 |
| Total noninterest expense | $3,787,000 | 2,115 |
| Salaries and employee benefits | $2,191,000 | 1,987 |
| Premises and equipment expense | $530,000 | 2,152 |
| Additional noninterest expense | $1,066,000 | 2,263 |
| Pre-tax net operating income | $1,221,000 | 3,070 |
| Securities gains (losses) | $22,000 | 1,980 |
| Applicable income taxes | $411,000 | 2,512 |
| Income before extraordinary items | $832,000 | 3,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $832,000 | 3,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,302 |
| Cash dividends | $291,000 | 2,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $817,260 | 3,388 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,775,000 | 2,518 |
| Total interest expense | $710,000 | 2,713 |
| Net interest income | $2,065,000 | 2,419 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $377,000 | 2,643 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $157,000 | 2,581 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $220,000 | 2,316 |
| Total noninterest expense | $1,856,000 | 2,161 |
| Salaries and employee benefits | $1,071,000 | 2,060 |
| Premises and equipment expense | $252,000 | 2,288 |
| Additional noninterest expense | $533,000 | 2,231 |
| Pre-tax net operating income | $541,000 | 3,329 |
| Securities gains (losses) | $22,000 | 1,655 |
| Applicable income taxes | $181,000 | 2,741 |
| Income before extraordinary items | $382,000 | 3,629 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $382,000 | 3,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,144 |
| Cash dividends | $198,000 | 2,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $367,040 | 3,616 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,169,000 | 2,555 |
| Total interest expense | $3,275,000 | 2,649 |
| Net interest income | $7,894,000 | 2,457 |
| Provision for loan and lease losses | $140,000 | 4,692 |
| Total noninterest income | $1,864,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $653,000 | 2,516 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,211,000 | 2,109 |
| Total noninterest expense | $7,393,000 | 2,129 |
| Salaries and employee benefits | $4,147,000 | 2,046 |
| Premises and equipment expense | $994,000 | 2,273 |
| Additional noninterest expense | $2,252,000 | 2,134 |
| Pre-tax net operating income | $2,225,000 | 3,136 |
| Securities gains (losses) | $198,000 | 1,352 |
| Applicable income taxes | $1,013,000 | 2,161 |
| Income before extraordinary items | $1,410,000 | 3,711 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,410,000 | 3,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,726 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,283,280 | 3,792 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,340,000 | 2,596 |
| Total interest expense | $2,490,000 | 2,690 |
| Net interest income | $5,850,000 | 2,496 |
| Provision for loan and lease losses | $95,000 | 4,748 |
| Total noninterest income | $1,486,000 | 2,381 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $490,000 | 2,515 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $996,000 | 2,052 |
| Total noninterest expense | $5,483,000 | 2,163 |
| Salaries and employee benefits | $3,022,000 | 2,120 |
| Premises and equipment expense | $748,000 | 2,272 |
| Additional noninterest expense | $1,713,000 | 2,098 |
| Pre-tax net operating income | $1,758,000 | 3,128 |
| Securities gains (losses) | $168,000 | 1,339 |
| Applicable income taxes | $859,000 | 2,098 |
| Income before extraordinary items | $1,067,000 | 3,830 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,067,000 | 3,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $959,480 | 3,912 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,587,000 | 2,613 |
| Total interest expense | $1,650,000 | 2,793 |
| Net interest income | $3,937,000 | 2,469 |
| Provision for loan and lease losses | $50,000 | 5,111 |
| Total noninterest income | $1,124,000 | 2,169 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $319,000 | 2,532 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $805,000 | 1,770 |
| Total noninterest expense | $3,634,000 | 2,162 |
| Salaries and employee benefits | $1,982,000 | 2,142 |
| Premises and equipment expense | $491,000 | 2,291 |
| Additional noninterest expense | $1,161,000 | 2,061 |
| Pre-tax net operating income | $1,377,000 | 2,784 |
| Securities gains (losses) | $168,000 | 1,153 |
| Applicable income taxes | $721,000 | 1,774 |
| Income before extraordinary items | $824,000 | 3,434 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $824,000 | 3,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $716,480 | 3,606 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,836,000 | 2,590 |
| Total interest expense | $824,000 | 2,861 |
| Net interest income | $2,012,000 | 2,412 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $522,000 | 2,219 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $155,000 | 2,520 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $367,000 | 1,844 |
| Total noninterest expense | $1,834,000 | 2,139 |
| Salaries and employee benefits | $1,002,000 | 2,109 |
| Premises and equipment expense | $255,000 | 2,214 |
| Additional noninterest expense | $577,000 | 2,042 |
| Pre-tax net operating income | $685,000 | 2,782 |
| Securities gains (losses) | $55,000 | 1,335 |
| Applicable income taxes | $547,000 | 1,269 |
| Income before extraordinary items | $193,000 | 5,421 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $193,000 | 5,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $157,800 | 5,715 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,954,000 | 2,571 |
| Total interest expense | $4,008,000 | 2,743 |
| Net interest income | $7,946,000 | 2,416 |
| Provision for loan and lease losses | $80,000 | 6,062 |
| Total noninterest income | $1,729,000 | 2,384 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $560,000 | 2,708 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,169,000 | 1,971 |
| Total noninterest expense | $6,901,000 | 2,174 |
| Salaries and employee benefits | $3,681,000 | 2,177 |
| Premises and equipment expense | $974,000 | 2,238 |
| Additional noninterest expense | $2,246,000 | 2,055 |
| Pre-tax net operating income | $2,694,000 | 2,730 |
| Securities gains (losses) | $6,000 | 3,879 |
| Applicable income taxes | $928,000 | 2,336 |
| Income before extraordinary items | $1,772,000 | 3,081 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,772,000 | 3,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,768,040 | 2,985 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,178,000 | 2,415 |
| Total interest expense | $6,456,000 | 2,484 |
| Net interest income | $7,722,000 | 2,316 |
| Provision for loan and lease losses | $279,000 | 3,380 |
| Total noninterest income | $1,254,000 | 2,840 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $473,000 | 2,966 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $781,000 | 2,427 |
| Total noninterest expense | $6,319,000 | 2,264 |
| Salaries and employee benefits | $3,196,000 | 2,350 |
| Premises and equipment expense | $970,000 | 2,206 |
| Additional noninterest expense | $2,153,000 | 2,088 |
| Pre-tax net operating income | $2,378,000 | 2,778 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $819,000 | 2,382 |
| Income before extraordinary items | $1,560,000 | 3,132 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,560,000 | 3,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,559,340 | 3,037 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,037,000 | 2,466 |
| Total interest expense | $7,119,000 | 2,379 |
| Net interest income | $6,918,000 | 2,574 |
| Provision for loan and lease losses | $421,000 | 2,179 |
| Total noninterest income | $1,338,000 | 2,548 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $375,000 | 3,404 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $963,000 | 1,905 |
| Total noninterest expense | $5,916,000 | 2,309 |
| Salaries and employee benefits | $2,951,000 | 2,428 |
| Premises and equipment expense | $1,023,000 | 2,024 |
| Additional noninterest expense | $1,942,000 | 2,231 |
| Pre-tax net operating income | $1,919,000 | 3,431 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $662,000 | 2,914 |
| Income before extraordinary items | $1,257,000 | 3,739 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,257,000 | 3,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,257,000 | 3,723 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,152,000 | 3,184 |
| Total interest expense | $4,775,000 | 3,057 |
| Net interest income | $5,377,000 | 3,224 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $1,116,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $311,000 | 3,884 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $805,000 | 2,152 |
| Total noninterest expense | $4,915,000 | 2,750 |
| Salaries and employee benefits | $2,314,000 | 3,016 |
| Premises and equipment expense | $635,000 | 3,103 |
| Additional noninterest expense | $1,966,000 | 2,224 |
| Pre-tax net operating income | $1,338,000 | 4,434 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $427,000 | 3,990 |
| Income before extraordinary items | $911,000 | 4,712 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $911,000 | 4,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $911,000 | 4,671 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,751,000 | 3,623 |
| Total interest expense | $4,062,000 | 3,636 |
| Net interest income | $4,689,000 | 3,613 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $1,405,000 | 2,386 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $274,000 | 4,217 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,131,000 | 1,700 |
| Total noninterest expense | $3,994,000 | 3,197 |
| Salaries and employee benefits | $1,897,000 | 3,507 |
| Premises and equipment expense | $489,000 | 3,771 |
| Additional noninterest expense | $1,608,000 | 2,612 |
| Pre-tax net operating income | $2,060,000 | 3,270 |
| Securities gains (losses) | $-132,000 | 10,405 |
| Applicable income taxes | $758,000 | 2,858 |
| Income before extraordinary items | $1,170,000 | 4,013 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,170,000 | 4,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 10,183 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,254,480 | 3,704 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,103,000 | 3,928 |
| Total interest expense | $3,784,000 | 3,882 |
| Net interest income | $4,319,000 | 3,957 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $1,454,000 | 2,262 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $280,000 | 4,285 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,174,000 | 1,579 |
| Total noninterest expense | $3,774,000 | 3,352 |
| Salaries and employee benefits | $1,870,000 | 3,511 |
| Premises and equipment expense | $441,000 | 4,106 |
| Additional noninterest expense | $1,463,000 | 2,794 |
| Pre-tax net operating income | $1,899,000 | 3,705 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $770,000 | 3,012 |
| Income before extraordinary items | $1,130,000 | 4,267 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,130,000 | 4,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,992 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,129,360 | 4,206 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,183,000 | 4,468 |
| Total interest expense | $3,648,000 | 4,029 |
| Net interest income | $3,535,000 | 4,791 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $1,199,000 | 2,685 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $269,000 | 4,562 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $930,000 | 1,906 |
| Total noninterest expense | $3,252,000 | 4,043 |
| Salaries and employee benefits | $1,679,000 | 3,892 |
| Premises and equipment expense | $438,000 | 4,216 |
| Additional noninterest expense | $1,135,000 | 3,955 |
| Pre-tax net operating income | $1,432,000 | 4,509 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $598,000 | 3,602 |
| Income before extraordinary items | $834,000 | 5,141 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $834,000 | 5,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 10,842 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $834,000 | 5,088 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,852,000 | 4,653 |
| Total interest expense | $3,345,000 | 4,328 |
| Net interest income | $3,507,000 | 4,870 |
| Provision for loan and lease losses | $-200,000 | 11,809 |
| Total noninterest income | $987,000 | 3,134 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $254,000 | 4,891 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $733,000 | 2,232 |
| Total noninterest expense | $3,256,000 | 4,003 |
| Salaries and employee benefits | $1,613,000 | 4,016 |
| Premises and equipment expense | $496,000 | 3,788 |
| Additional noninterest expense | $1,147,000 | 3,904 |
| Pre-tax net operating income | $1,438,000 | 4,604 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $596,000 | 3,678 |
| Income before extraordinary items | $842,000 | 5,249 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $842,000 | 5,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 11,542 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $842,000 | 5,232 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,597,000 | 4,462 |
| Total interest expense | $2,887,000 | 4,098 |
| Net interest income | $3,710,000 | 4,689 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $830,000 | 3,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $239,000 | 5,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $591,000 | 2,615 |
| Total noninterest expense | $3,362,000 | 3,984 |
| Salaries and employee benefits | $1,405,000 | 4,543 |
| Premises and equipment expense | $546,000 | 3,540 |
| Additional noninterest expense | $1,411,000 | 3,506 |
| Pre-tax net operating income | $1,168,000 | 5,343 |
| Securities gains (losses) | $-14,000 | 10,078 |
| Applicable income taxes | $415,000 | 4,632 |
| Income before extraordinary items | $739,000 | 5,671 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $739,000 | 5,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,906 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $747,960 | 5,696 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,559,000 | 4,577 |
| Total interest expense | $2,954,000 | 4,157 |
| Net interest income | $3,605,000 | 4,827 |
| Provision for loan and lease losses | $350,000 | 2,706 |
| Total noninterest income | $1,363,000 | 2,633 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $216,000 | 5,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,147,000 | 1,862 |
| Total noninterest expense | $3,175,000 | 4,292 |
| Salaries and employee benefits | $1,253,000 | 5,035 |
| Premises and equipment expense | $485,000 | 3,974 |
| Additional noninterest expense | $1,437,000 | 3,628 |
| Pre-tax net operating income | $1,443,000 | 4,469 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $588,000 | 3,672 |
| Income before extraordinary items | $883,000 | 5,175 |
| Extraordinary gains, net | $174,000 | 1,109 |
| Net income | $1,057,000 | 4,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,647 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $865,080 | 5,025 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,385,000 | 4,604 |
| Total interest expense | $3,895,000 | 4,179 |
| Net interest income | $3,490,000 | 5,026 |
| Provision for loan and lease losses | $145,000 | 6,193 |
| Total noninterest income | $633,000 | 4,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $180,000 | 6,393 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $453,000 | 3,414 |
| Total noninterest expense | $2,697,000 | 4,970 |
| Salaries and employee benefits | $1,145,000 | 5,397 |
| Premises and equipment expense | $436,000 | 4,467 |
| Additional noninterest expense | $1,116,000 | 4,630 |
| Pre-tax net operating income | $1,281,000 | 4,666 |
| Securities gains (losses) | $103,000 | 2,957 |
| Applicable income taxes | $547,000 | 3,707 |
| Income before extraordinary items | $837,000 | 5,184 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $837,000 | 5,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 4,698 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $771,080 | 5,191 |
* 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.