Home > The Elgin State Bank > Income and Expense
The Elgin State Bank, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,243,000 | 2,700 |
| Total interest expense | $1,115,000 | 2,719 |
| Net interest income | $4,128,000 | 2,667 |
| Provision for loan and lease losses | $85,000 | 4,593 |
| Total noninterest income | $287,000 | 4,187 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $277,000 | 2,362 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $10,000 | 6,590 |
| Total noninterest expense | $4,033,000 | 2,386 |
| Salaries and employee benefits | $1,757,000 | 2,751 |
| Premises and equipment expense | $483,000 | 2,517 |
| Additional noninterest expense | $1,793,000 | 1,899 |
| Pre-tax net operating income | $297,000 | 4,633 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $4,000 | 4,365 |
| Income before extraordinary items | $293,000 | 4,479 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $293,000 | 4,477 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $293,000 | 4,479 |
| Net charge-offs | $661,000 | 1,851 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $293,000 | 4,410 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,652,000 | 2,687 |
| Total interest expense | $592,000 | 2,669 |
| Net interest income | $2,060,000 | 2,658 |
| Provision for loan and lease losses | $85,000 | 3,582 |
| Total noninterest income | $113,000 | 4,698 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $139,000 | 2,337 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-26,000 | 7,245 |
| Total noninterest expense | $2,076,000 | 2,336 |
| Salaries and employee benefits | $877,000 | 2,767 |
| Premises and equipment expense | $260,000 | 2,408 |
| Additional noninterest expense | $939,000 | 1,803 |
| Pre-tax net operating income | $12,000 | 6,187 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $12,000 | 6,224 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $12,000 | 6,223 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $12,000 | 6,224 |
| Net charge-offs | $323,000 | 1,676 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $12,000 | 6,187 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,191,000 | 2,460 |
| Total interest expense | $3,143,000 | 2,499 |
| Net interest income | $9,048,000 | 2,416 |
| Provision for loan and lease losses | $5,061,000 | 1,137 |
| Total noninterest income | $643,000 | 4,094 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $631,000 | 2,203 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $12,000 | 6,752 |
| Total noninterest expense | $8,410,000 | 2,299 |
| Salaries and employee benefits | $3,745,000 | 2,563 |
| Premises and equipment expense | $975,000 | 2,533 |
| Additional noninterest expense | $3,690,000 | 1,927 |
| Pre-tax net operating income | $-3,780,000 | 7,009 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-3,780,000 | 7,081 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,780,000 | 7,081 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,780,000 | 7,082 |
| Net charge-offs | $5,210,000 | 975 |
| Cash dividends | $50,000 | 3,945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,780,000 | 7,057 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,247,000 | 2,493 |
| Total interest expense | $2,419,000 | 2,540 |
| Net interest income | $6,828,000 | 2,431 |
| Provision for loan and lease losses | $495,000 | 3,554 |
| Total noninterest income | $840,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $481,000 | 2,227 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $359,000 | 3,267 |
| Total noninterest expense | $6,207,000 | 2,344 |
| Salaries and employee benefits | $2,862,000 | 2,536 |
| Premises and equipment expense | $734,000 | 2,561 |
| Additional noninterest expense | $2,611,000 | 1,981 |
| Pre-tax net operating income | $966,000 | 3,154 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $14,000 | 4,127 |
| Income before extraordinary items | $952,000 | 2,979 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $952,000 | 2,976 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $952,000 | 2,979 |
| Net charge-offs | $1,567,000 | 1,743 |
| Cash dividends | $50,000 | 3,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $952,000 | 2,849 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,234,000 | 2,490 |
| Total interest expense | $1,574,000 | 2,689 |
| Net interest income | $4,660,000 | 2,387 |
| Provision for loan and lease losses | $320,000 | 3,503 |
| Total noninterest income | $495,000 | 3,245 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $335,000 | 2,167 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $160,000 | 3,879 |
| Total noninterest expense | $4,099,000 | 2,369 |
| Salaries and employee benefits | $1,916,000 | 2,535 |
| Premises and equipment expense | $495,000 | 2,561 |
| Additional noninterest expense | $1,688,000 | 2,036 |
| Pre-tax net operating income | $736,000 | 2,943 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $11,000 | 4,050 |
| Income before extraordinary items | $725,000 | 2,688 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $725,000 | 2,683 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $725,000 | 2,687 |
| Net charge-offs | $381,000 | 2,759 |
| Cash dividends | $50,000 | 3,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $725,000 | 2,599 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,281,000 | 2,430 |
| Total interest expense | $778,000 | 2,822 |
| Net interest income | $2,503,000 | 2,231 |
| Provision for loan and lease losses | $75,000 | 4,293 |
| Total noninterest income | $339,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $166,000 | 2,165 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $173,000 | 2,609 |
| Total noninterest expense | $1,963,000 | 2,485 |
| Salaries and employee benefits | $961,000 | 2,562 |
| Premises and equipment expense | $269,000 | 2,427 |
| Additional noninterest expense | $733,000 | 2,308 |
| Pre-tax net operating income | $804,000 | 1,609 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $12,000 | 3,714 |
| Income before extraordinary items | $792,000 | 1,389 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $792,000 | 1,391 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $792,000 | 1,391 |
| Net charge-offs | $173,000 | 2,592 |
| Cash dividends | $50,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $792,000 | 1,340 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,235,000 | 2,352 |
| Total interest expense | $3,760,000 | 2,875 |
| Net interest income | $10,475,000 | 2,096 |
| Provision for loan and lease losses | $7,815,000 | 1,041 |
| Total noninterest income | $1,317,000 | 2,793 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $706,000 | 2,234 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $611,000 | 2,875 |
| Total noninterest expense | $7,822,000 | 2,513 |
| Salaries and employee benefits | $4,153,000 | 2,369 |
| Premises and equipment expense | $1,031,000 | 2,509 |
| Additional noninterest expense | $2,638,000 | 2,621 |
| Pre-tax net operating income | $-3,845,000 | 7,036 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-3,845,000 | 7,137 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,845,000 | 7,136 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,845,000 | 7,135 |
| Net charge-offs | $4,999,000 | 1,143 |
| Cash dividends | $1,337,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,845,000 | 7,128 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,769,000 | 2,362 |
| Total interest expense | $2,874,000 | 2,954 |
| Net interest income | $7,895,000 | 2,081 |
| Provision for loan and lease losses | $1,365,000 | 2,343 |
| Total noninterest income | $1,056,000 | 2,721 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $517,000 | 2,294 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $539,000 | 2,697 |
| Total noninterest expense | $5,974,000 | 2,472 |
| Salaries and employee benefits | $3,288,000 | 2,267 |
| Premises and equipment expense | $776,000 | 2,531 |
| Additional noninterest expense | $1,910,000 | 2,660 |
| Pre-tax net operating income | $1,612,000 | 1,930 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $24,000 | 3,714 |
| Income before extraordinary items | $1,588,000 | 1,685 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,588,000 | 1,684 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,588,000 | 1,685 |
| Net charge-offs | $1,027,000 | 2,175 |
| Cash dividends | $1,337,000 | 974 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,588,000 | 1,643 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,247,000 | 2,370 |
| Total interest expense | $1,945,000 | 3,031 |
| Net interest income | $5,302,000 | 2,072 |
| Provision for loan and lease losses | $185,000 | 4,435 |
| Total noninterest income | $705,000 | 2,738 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $323,000 | 2,389 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $382,000 | 2,620 |
| Total noninterest expense | $3,935,000 | 2,541 |
| Salaries and employee benefits | $2,189,000 | 2,307 |
| Premises and equipment expense | $530,000 | 2,515 |
| Additional noninterest expense | $1,216,000 | 2,789 |
| Pre-tax net operating income | $1,887,000 | 1,214 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $29,000 | 3,509 |
| Income before extraordinary items | $1,858,000 | 1,025 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,858,000 | 1,024 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,858,000 | 1,025 |
| Net charge-offs | $71,000 | 4,599 |
| Cash dividends | $1,029,000 | 863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,858,000 | 993 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,570,000 | 2,427 |
| Total interest expense | $1,009,000 | 3,025 |
| Net interest income | $2,561,000 | 2,138 |
| Provision for loan and lease losses | $75,000 | 4,299 |
| Total noninterest income | $316,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $155,000 | 2,392 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $161,000 | 2,856 |
| Total noninterest expense | $1,903,000 | 2,540 |
| Salaries and employee benefits | $1,097,000 | 2,336 |
| Premises and equipment expense | $280,000 | 2,442 |
| Additional noninterest expense | $526,000 | 2,876 |
| Pre-tax net operating income | $899,000 | 1,436 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $12,000 | 3,875 |
| Income before extraordinary items | $887,000 | 1,237 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $887,000 | 1,239 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $887,000 | 1,239 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $260,000 | 1,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $887,000 | 1,164 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,674,000 | 2,518 |
| Total interest expense | $5,239,000 | 2,852 |
| Net interest income | $9,435,000 | 2,326 |
| Provision for loan and lease losses | $125,000 | 5,768 |
| Total noninterest income | $1,297,000 | 2,898 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $673,000 | 2,420 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $624,000 | 2,829 |
| Total noninterest expense | $7,506,000 | 2,524 |
| Salaries and employee benefits | $4,106,000 | 2,457 |
| Premises and equipment expense | $1,023,000 | 2,571 |
| Additional noninterest expense | $2,377,000 | 2,450 |
| Pre-tax net operating income | $3,101,000 | 1,742 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $5,000 | 4,660 |
| Income before extraordinary items | $3,096,000 | 1,317 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,096,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,209 |
| Cash dividends | $2,143,000 | 1,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,096,000 | 1,421 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,984,000 | 2,575 |
| Total interest expense | $4,060,000 | 2,872 |
| Net interest income | $6,924,000 | 2,386 |
| Provision for loan and lease losses | $50,000 | 5,872 |
| Total noninterest income | $1,017,000 | 2,876 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $504,000 | 2,442 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $513,000 | 2,770 |
| Total noninterest expense | $5,475,000 | 2,578 |
| Salaries and employee benefits | $3,023,000 | 2,526 |
| Premises and equipment expense | $766,000 | 2,590 |
| Additional noninterest expense | $1,686,000 | 2,507 |
| Pre-tax net operating income | $2,416,000 | 1,991 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-6,000 | 7,282 |
| Income before extraordinary items | $2,422,000 | 1,508 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,422,000 | 1,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,747 |
| Cash dividends | $1,753,000 | 1,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,422,000 | 1,590 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,345,000 | 2,599 |
| Total interest expense | $2,905,000 | 2,787 |
| Net interest income | $4,440,000 | 2,467 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $683,000 | 2,895 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $324,000 | 2,481 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $359,000 | 2,741 |
| Total noninterest expense | $3,657,000 | 2,582 |
| Salaries and employee benefits | $2,042,000 | 2,527 |
| Premises and equipment expense | $524,000 | 2,533 |
| Additional noninterest expense | $1,091,000 | 2,542 |
| Pre-tax net operating income | $1,466,000 | 2,241 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-19,000 | 7,649 |
| Income before extraordinary items | $1,485,000 | 1,822 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,485,000 | 1,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,966 |
| Cash dividends | $1,385,000 | 1,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,485,000 | 1,791 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,819,000 | 2,575 |
| Total interest expense | $1,653,000 | 2,636 |
| Net interest income | $2,166,000 | 2,517 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $318,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $158,000 | 2,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $160,000 | 2,933 |
| Total noninterest expense | $1,776,000 | 2,650 |
| Salaries and employee benefits | $1,031,000 | 2,516 |
| Premises and equipment expense | $270,000 | 2,494 |
| Additional noninterest expense | $475,000 | 2,842 |
| Pre-tax net operating income | $708,000 | 2,394 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $16,000 | 4,511 |
| Income before extraordinary items | $692,000 | 2,052 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $692,000 | 2,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,778 |
| Cash dividends | $839,000 | 884 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $692,000 | 1,990 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,554,000 | 2,464 |
| Total interest expense | $7,056,000 | 2,605 |
| Net interest income | $9,498,000 | 2,341 |
| Provision for loan and lease losses | $-568,000 | 8,498 |
| Total noninterest income | $1,260,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $722,000 | 2,315 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $538,000 | 3,186 |
| Total noninterest expense | $6,779,000 | 2,670 |
| Salaries and employee benefits | $3,806,000 | 2,607 |
| Premises and equipment expense | $1,103,000 | 2,358 |
| Additional noninterest expense | $1,870,000 | 2,831 |
| Pre-tax net operating income | $4,547,000 | 1,787 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $50,000 | 4,935 |
| Income before extraordinary items | $4,497,000 | 1,436 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,497,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-526,000 | 8,504 |
| Cash dividends | $2,178,000 | 1,524 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,497,000 | 1,419 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,359,000 | 2,482 |
| Total interest expense | $5,210,000 | 2,641 |
| Net interest income | $7,149,000 | 2,344 |
| Provision for loan and lease losses | $-20,000 | 8,331 |
| Total noninterest income | $938,000 | 3,054 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $547,000 | 2,270 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $391,000 | 3,247 |
| Total noninterest expense | $4,992,000 | 2,690 |
| Salaries and employee benefits | $2,877,000 | 2,582 |
| Premises and equipment expense | $830,000 | 2,328 |
| Additional noninterest expense | $1,285,000 | 3,007 |
| Pre-tax net operating income | $3,115,000 | 2,037 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $33,000 | 5,207 |
| Income before extraordinary items | $3,082,000 | 1,642 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,082,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $1,612,000 | 1,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,082,000 | 1,629 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,149,000 | 2,528 |
| Total interest expense | $3,417,000 | 2,676 |
| Net interest income | $4,732,000 | 2,389 |
| Provision for loan and lease losses | $-20,000 | 8,382 |
| Total noninterest income | $592,000 | 3,181 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $357,000 | 2,322 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $235,000 | 3,473 |
| Total noninterest expense | $3,330,000 | 2,716 |
| Salaries and employee benefits | $1,934,000 | 2,595 |
| Premises and equipment expense | $566,000 | 2,287 |
| Additional noninterest expense | $830,000 | 3,100 |
| Pre-tax net operating income | $2,014,000 | 2,147 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $37,000 | 4,979 |
| Income before extraordinary items | $1,977,000 | 1,750 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,977,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,115 |
| Cash dividends | $1,271,000 | 1,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,977,000 | 1,734 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,133,000 | 2,489 |
| Total interest expense | $1,708,000 | 2,667 |
| Net interest income | $2,425,000 | 2,346 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $329,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $180,000 | 2,252 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $149,000 | 3,039 |
| Total noninterest expense | $1,719,000 | 2,648 |
| Salaries and employee benefits | $970,000 | 2,609 |
| Premises and equipment expense | $297,000 | 2,203 |
| Additional noninterest expense | $452,000 | 2,841 |
| Pre-tax net operating income | $1,035,000 | 2,104 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,000 | 6,046 |
| Income before extraordinary items | $1,034,000 | 1,665 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,034,000 | 1,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,797 |
| Cash dividends | $583,000 | 1,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,034,000 | 1,655 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,778,000 | 2,588 |
| Total interest expense | $5,639,000 | 2,732 |
| Net interest income | $9,139,000 | 2,480 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,902,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $752,000 | 2,230 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,150,000 | 2,025 |
| Total noninterest expense | $6,546,000 | 2,674 |
| Salaries and employee benefits | $3,673,000 | 2,631 |
| Premises and equipment expense | $1,037,000 | 2,383 |
| Additional noninterest expense | $1,836,000 | 2,762 |
| Pre-tax net operating income | $4,495,000 | 2,056 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $431,000 | 3,337 |
| Income before extraordinary items | $4,064,000 | 1,763 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,064,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,049 |
| Cash dividends | $2,402,000 | 1,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,064,000 | 1,745 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,832,000 | 2,621 |
| Total interest expense | $4,037,000 | 2,757 |
| Net interest income | $6,795,000 | 2,529 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,577,000 | 2,154 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $577,000 | 2,197 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,000,000 | 1,825 |
| Total noninterest expense | $4,946,000 | 2,651 |
| Salaries and employee benefits | $2,781,000 | 2,618 |
| Premises and equipment expense | $791,000 | 2,358 |
| Additional noninterest expense | $1,374,000 | 2,758 |
| Pre-tax net operating income | $3,426,000 | 2,102 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $103,000 | 4,896 |
| Income before extraordinary items | $3,323,000 | 1,677 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,323,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 2,579 |
| Cash dividends | $1,862,000 | 1,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,323,000 | 1,660 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,942,000 | 2,670 |
| Total interest expense | $2,541,000 | 2,780 |
| Net interest income | $4,401,000 | 2,595 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,184,000 | 1,976 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $380,000 | 2,194 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $804,000 | 1,590 |
| Total noninterest expense | $3,380,000 | 2,605 |
| Salaries and employee benefits | $1,883,000 | 2,568 |
| Premises and equipment expense | $550,000 | 2,259 |
| Additional noninterest expense | $947,000 | 2,698 |
| Pre-tax net operating income | $2,205,000 | 2,149 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $149,000 | 4,017 |
| Income before extraordinary items | $2,056,000 | 1,773 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,056,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,304 |
| Cash dividends | $1,514,000 | 1,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,056,000 | 1,761 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,323,000 | 2,718 |
| Total interest expense | $1,211,000 | 2,775 |
| Net interest income | $2,112,000 | 2,666 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $855,000 | 1,432 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $195,000 | 2,087 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $660,000 | 1,090 |
| Total noninterest expense | $1,813,000 | 2,444 |
| Salaries and employee benefits | $977,000 | 2,501 |
| Premises and equipment expense | $318,000 | 1,993 |
| Additional noninterest expense | $518,000 | 2,470 |
| Pre-tax net operating income | $1,154,000 | 2,050 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $47,000 | 4,563 |
| Income before extraordinary items | $1,107,000 | 1,623 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,107,000 | 1,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $439,000 | 1,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,107,000 | 1,601 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,630,000 | 2,594 |
| Total interest expense | $3,903,000 | 2,706 |
| Net interest income | $8,727,000 | 2,493 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $1,514,000 | 2,674 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $884,000 | 1,941 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $630,000 | 2,969 |
| Total noninterest expense | $7,267,000 | 2,301 |
| Salaries and employee benefits | $3,698,000 | 2,472 |
| Premises and equipment expense | $1,359,000 | 1,781 |
| Additional noninterest expense | $2,210,000 | 2,263 |
| Pre-tax net operating income | $2,969,000 | 2,777 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-550,000 | 8,774 |
| Income before extraordinary items | $3,519,000 | 1,951 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,519,000 | 1,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 8,598 |
| Cash dividends | $1,586,000 | 1,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,519,000 | 1,931 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,351,000 | 2,578 |
| Total interest expense | $2,745,000 | 2,724 |
| Net interest income | $6,606,000 | 2,464 |
| Provision for loan and lease losses | $150,000 | 3,463 |
| Total noninterest income | $1,119,000 | 2,700 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $662,000 | 1,938 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $457,000 | 3,039 |
| Total noninterest expense | $5,314,000 | 2,333 |
| Salaries and employee benefits | $2,795,000 | 2,408 |
| Premises and equipment expense | $1,025,000 | 1,764 |
| Additional noninterest expense | $1,494,000 | 2,465 |
| Pre-tax net operating income | $2,261,000 | 2,782 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-581,000 | 8,828 |
| Income before extraordinary items | $2,842,000 | 1,841 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,842,000 | 1,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 8,620 |
| Cash dividends | $1,011,000 | 1,765 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,842,000 | 1,805 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,120,000 | 2,560 |
| Total interest expense | $1,728,000 | 2,710 |
| Net interest income | $4,392,000 | 2,452 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $719,000 | 2,723 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $421,000 | 1,981 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $298,000 | 3,065 |
| Total noninterest expense | $3,601,000 | 2,284 |
| Salaries and employee benefits | $1,893,000 | 2,366 |
| Premises and equipment expense | $709,000 | 1,693 |
| Additional noninterest expense | $999,000 | 2,432 |
| Pre-tax net operating income | $1,360,000 | 2,961 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-652,000 | 8,844 |
| Income before extraordinary items | $2,012,000 | 1,695 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,012,000 | 1,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-99,000 | 8,662 |
| Cash dividends | $614,000 | 1,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,012,000 | 1,671 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,991,000 | 2,577 |
| Total interest expense | $843,000 | 2,668 |
| Net interest income | $2,148,000 | 2,488 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $344,000 | 2,750 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $196,000 | 2,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $148,000 | 3,002 |
| Total noninterest expense | $1,812,000 | 2,287 |
| Salaries and employee benefits | $966,000 | 2,359 |
| Premises and equipment expense | $361,000 | 1,673 |
| Additional noninterest expense | $485,000 | 2,513 |
| Pre-tax net operating income | $605,000 | 3,201 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-568,000 | 8,914 |
| Income before extraordinary items | $1,173,000 | 1,449 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,173,000 | 1,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-102,000 | 8,793 |
| Cash dividends | $106,000 | 2,867 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,173,000 | 1,424 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,046,000 | 2,581 |
| Total interest expense | $3,129,000 | 2,529 |
| Net interest income | $7,917,000 | 2,567 |
| Provision for loan and lease losses | $760,000 | 1,346 |
| Total noninterest income | $1,611,000 | 2,552 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $932,000 | 1,879 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $679,000 | 2,750 |
| Total noninterest expense | $7,205,000 | 2,206 |
| Salaries and employee benefits | $3,945,000 | 2,208 |
| Premises and equipment expense | $1,371,000 | 1,701 |
| Additional noninterest expense | $1,889,000 | 2,545 |
| Pre-tax net operating income | $1,563,000 | 4,145 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $390,000 | 3,763 |
| Income before extraordinary items | $1,173,000 | 4,259 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,173,000 | 4,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,235 |
| Cash dividends | $425,000 | 3,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,173,000 | 4,198 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,998,000 | 2,634 |
| Total interest expense | $2,340,000 | 2,499 |
| Net interest income | $5,658,000 | 2,647 |
| Provision for loan and lease losses | $610,000 | 1,220 |
| Total noninterest income | $1,231,000 | 2,532 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $722,000 | 1,832 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $509,000 | 2,768 |
| Total noninterest expense | $5,316,000 | 2,226 |
| Salaries and employee benefits | $2,941,000 | 2,207 |
| Premises and equipment expense | $1,031,000 | 1,691 |
| Additional noninterest expense | $1,344,000 | 2,632 |
| Pre-tax net operating income | $963,000 | 4,690 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $210,000 | 4,367 |
| Income before extraordinary items | $753,000 | 4,777 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $753,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,153 |
| Cash dividends | $212,000 | 3,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $753,000 | 4,686 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,313,000 | 2,625 |
| Total interest expense | $1,578,000 | 2,457 |
| Net interest income | $3,735,000 | 2,658 |
| Provision for loan and lease losses | $535,000 | 925 |
| Total noninterest income | $821,000 | 2,543 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $484,000 | 1,806 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $337,000 | 2,802 |
| Total noninterest expense | $3,574,000 | 2,208 |
| Salaries and employee benefits | $1,970,000 | 2,199 |
| Premises and equipment expense | $704,000 | 1,643 |
| Additional noninterest expense | $900,000 | 2,620 |
| Pre-tax net operating income | $447,000 | 5,587 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $64,000 | 5,369 |
| Income before extraordinary items | $383,000 | 5,425 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $383,000 | 5,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-130,000 | 8,934 |
| Cash dividends | $212,000 | 3,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $383,000 | 5,335 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,643,000 | 2,637 |
| Total interest expense | $787,000 | 2,487 |
| Net interest income | $1,856,000 | 2,665 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $410,000 | 2,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $238,000 | 1,794 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $172,000 | 2,705 |
| Total noninterest expense | $1,798,000 | 2,221 |
| Salaries and employee benefits | $963,000 | 2,267 |
| Premises and equipment expense | $355,000 | 1,651 |
| Additional noninterest expense | $480,000 | 2,461 |
| Pre-tax net operating income | $318,000 | 4,684 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $70,000 | 4,347 |
| Income before extraordinary items | $248,000 | 4,782 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $248,000 | 4,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-140,000 | 9,004 |
| Cash dividends | $106,000 | 2,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $248,000 | 4,660 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,772,000 | 2,628 |
| Total interest expense | $3,451,000 | 2,525 |
| Net interest income | $7,321,000 | 2,644 |
| Provision for loan and lease losses | $950,000 | 1,246 |
| Total noninterest income | $1,988,000 | 2,329 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $852,000 | 2,012 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,136,000 | 2,195 |
| Total noninterest expense | $7,104,000 | 2,215 |
| Salaries and employee benefits | $3,890,000 | 2,185 |
| Premises and equipment expense | $1,288,000 | 1,764 |
| Additional noninterest expense | $1,926,000 | 2,499 |
| Pre-tax net operating income | $1,255,000 | 4,568 |
| Securities gains (losses) | $168,000 | 1,457 |
| Applicable income taxes | $343,000 | 4,071 |
| Income before extraordinary items | $1,080,000 | 4,433 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,080,000 | 4,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $401,000 | 1,875 |
| Cash dividends | $425,000 | 3,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $952,320 | 4,611 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,054,000 | 2,672 |
| Total interest expense | $2,702,000 | 2,526 |
| Net interest income | $5,352,000 | 2,719 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,539,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $579,000 | 2,194 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $960,000 | 2,113 |
| Total noninterest expense | $5,350,000 | 2,196 |
| Salaries and employee benefits | $3,040,000 | 2,100 |
| Premises and equipment expense | $922,000 | 1,864 |
| Additional noninterest expense | $1,388,000 | 2,563 |
| Pre-tax net operating income | $1,316,000 | 3,809 |
| Securities gains (losses) | $168,000 | 1,339 |
| Applicable income taxes | $423,000 | 3,325 |
| Income before extraordinary items | $1,061,000 | 3,841 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,061,000 | 3,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,234 |
| Cash dividends | $319,000 | 3,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $941,720 | 3,963 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,431,000 | 2,678 |
| Total interest expense | $1,864,000 | 2,530 |
| Net interest income | $3,567,000 | 2,722 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $987,000 | 2,379 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $337,000 | 2,419 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $650,000 | 2,081 |
| Total noninterest expense | $3,538,000 | 2,217 |
| Salaries and employee benefits | $2,020,000 | 2,106 |
| Premises and equipment expense | $627,000 | 1,817 |
| Additional noninterest expense | $891,000 | 2,641 |
| Pre-tax net operating income | $866,000 | 3,853 |
| Securities gains (losses) | $295,000 | 814 |
| Applicable income taxes | $350,000 | 2,946 |
| Income before extraordinary items | $811,000 | 3,480 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $811,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,995 |
| Cash dividends | $213,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $604,500 | 4,072 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,803,000 | 2,625 |
| Total interest expense | $982,000 | 2,480 |
| Net interest income | $1,821,000 | 2,655 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $472,000 | 2,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $144,000 | 2,659 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $328,000 | 1,986 |
| Total noninterest expense | $1,694,000 | 2,298 |
| Salaries and employee benefits | $965,000 | 2,185 |
| Premises and equipment expense | $315,000 | 1,814 |
| Additional noninterest expense | $414,000 | 2,773 |
| Pre-tax net operating income | $524,000 | 3,382 |
| Securities gains (losses) | $295,000 | 518 |
| Applicable income taxes | $266,000 | 2,227 |
| Income before extraordinary items | $553,000 | 2,725 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $553,000 | 2,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $106,000 | 2,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $352,400 | 3,607 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,923,000 | 2,578 |
| Total interest expense | $4,895,000 | 2,293 |
| Net interest income | $7,028,000 | 2,721 |
| Provision for loan and lease losses | $1,100,000 | 1,234 |
| Total noninterest income | $1,218,000 | 3,044 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $527,000 | 2,847 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $691,000 | 2,729 |
| Total noninterest expense | $6,103,000 | 2,421 |
| Salaries and employee benefits | $3,517,000 | 2,274 |
| Premises and equipment expense | $1,118,000 | 1,975 |
| Additional noninterest expense | $1,468,000 | 2,999 |
| Pre-tax net operating income | $1,043,000 | 5,099 |
| Securities gains (losses) | $300,000 | 894 |
| Applicable income taxes | $341,000 | 4,215 |
| Income before extraordinary items | $1,002,000 | 4,587 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,002,000 | 4,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,062,000 | 914 |
| Cash dividends | $424,000 | 3,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $777,000 | 5,143 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,025,000 | 2,619 |
| Total interest expense | $6,127,000 | 2,609 |
| Net interest income | $6,898,000 | 2,597 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $1,119,000 | 3,082 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $527,000 | 2,726 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $592,000 | 2,851 |
| Total noninterest expense | $5,728,000 | 2,480 |
| Salaries and employee benefits | $3,121,000 | 2,405 |
| Premises and equipment expense | $1,055,000 | 2,017 |
| Additional noninterest expense | $1,552,000 | 2,788 |
| Pre-tax net operating income | $1,929,000 | 3,262 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $566,000 | 3,075 |
| Income before extraordinary items | $1,363,000 | 3,472 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,363,000 | 3,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,587 |
| Cash dividends | $673,000 | 2,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,363,000 | 3,373 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,137,000 | 2,649 |
| Total interest expense | $5,558,000 | 2,987 |
| Net interest income | $7,579,000 | 2,349 |
| Provision for loan and lease losses | $354,000 | 2,554 |
| Total noninterest income | $827,000 | 3,585 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $383,000 | 3,361 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $444,000 | 3,138 |
| Total noninterest expense | $5,030,000 | 2,703 |
| Salaries and employee benefits | $2,605,000 | 2,733 |
| Premises and equipment expense | $1,176,000 | 1,779 |
| Additional noninterest expense | $1,249,000 | 3,298 |
| Pre-tax net operating income | $3,022,000 | 2,378 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,028,000 | 2,076 |
| Income before extraordinary items | $1,994,000 | 2,578 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,994,000 | 2,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 1,760 |
| Cash dividends | $991,000 | 2,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,994,000 | 2,575 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,324,000 | 2,850 |
| Total interest expense | $5,174,000 | 2,821 |
| Net interest income | $6,150,000 | 2,858 |
| Provision for loan and lease losses | $260,000 | 2,969 |
| Total noninterest income | $577,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $363,000 | 3,475 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $214,000 | 4,785 |
| Total noninterest expense | $4,649,000 | 2,909 |
| Salaries and employee benefits | $2,388,000 | 2,931 |
| Premises and equipment expense | $1,027,000 | 1,992 |
| Additional noninterest expense | $1,234,000 | 3,344 |
| Pre-tax net operating income | $1,818,000 | 3,586 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $610,000 | 3,184 |
| Income before extraordinary items | $1,208,000 | 3,857 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,208,000 | 3,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,985 |
| Cash dividends | $638,000 | 3,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,208,000 | 3,825 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,719,000 | 3,017 |
| Total interest expense | $4,684,000 | 3,181 |
| Net interest income | $6,035,000 | 2,848 |
| Provision for loan and lease losses | $550,000 | 1,597 |
| Total noninterest income | $575,000 | 4,515 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $350,000 | 3,495 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $225,000 | 4,672 |
| Total noninterest expense | $3,906,000 | 3,274 |
| Salaries and employee benefits | $2,085,000 | 3,199 |
| Premises and equipment expense | $696,000 | 2,781 |
| Additional noninterest expense | $1,125,000 | 3,558 |
| Pre-tax net operating income | $2,154,000 | 3,130 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $776,000 | 2,808 |
| Income before extraordinary items | $1,378,000 | 3,492 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,378,000 | 3,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,524 |
| Cash dividends | $673,000 | 2,924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,378,000 | 3,397 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,692,000 | 3,337 |
| Total interest expense | $3,445,000 | 4,195 |
| Net interest income | $6,247,000 | 2,794 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $520,000 | 4,874 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $366,000 | 3,484 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $154,000 | 5,614 |
| Total noninterest expense | $3,039,000 | 4,052 |
| Salaries and employee benefits | $1,899,000 | 3,462 |
| Premises and equipment expense | $472,000 | 3,899 |
| Additional noninterest expense | $668,000 | 5,403 |
| Pre-tax net operating income | $3,608,000 | 2,084 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,331,000 | 1,899 |
| Income before extraordinary items | $2,277,000 | 2,308 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,277,000 | 2,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 2,047 |
| Cash dividends | $956,000 | 2,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,277,000 | 2,248 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,992,000 | 3,624 |
| Total interest expense | $3,339,000 | 4,361 |
| Net interest income | $5,653,000 | 3,128 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $575,000 | 4,702 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $397,000 | 3,356 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $178,000 | 5,501 |
| Total noninterest expense | $3,010,000 | 4,299 |
| Salaries and employee benefits | $1,755,000 | 3,753 |
| Premises and equipment expense | $455,000 | 4,071 |
| Additional noninterest expense | $800,000 | 5,201 |
| Pre-tax net operating income | $3,158,000 | 2,262 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,152,000 | 2,073 |
| Income before extraordinary items | $2,006,000 | 2,458 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,006,000 | 2,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-55,000 | 11,064 |
| Cash dividends | $956,000 | 2,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,006,000 | 2,411 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,323,000 | 3,873 |
| Total interest expense | $2,761,000 | 5,121 |
| Net interest income | $5,562,000 | 3,192 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $683,000 | 4,167 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $478,000 | 2,831 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $205,000 | 5,061 |
| Total noninterest expense | $2,963,000 | 4,331 |
| Salaries and employee benefits | $1,613,000 | 4,016 |
| Premises and equipment expense | $457,000 | 4,069 |
| Additional noninterest expense | $893,000 | 4,795 |
| Pre-tax net operating income | $3,252,000 | 2,274 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $1,188,000 | 2,047 |
| Income before extraordinary items | $2,064,000 | 2,437 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,064,000 | 2,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,295 |
| Cash dividends | $956,000 | 2,142 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,064,000 | 2,406 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,175,000 | 4,126 |
| Total interest expense | $2,122,000 | 5,332 |
| Net interest income | $5,053,000 | 3,521 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $791,000 | 3,754 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $459,000 | 3,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $332,000 | 3,841 |
| Total noninterest expense | $2,954,000 | 4,481 |
| Salaries and employee benefits | $1,508,000 | 4,264 |
| Premises and equipment expense | $462,000 | 4,074 |
| Additional noninterest expense | $984,000 | 4,771 |
| Pre-tax net operating income | $2,854,000 | 2,484 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $1,071,000 | 2,089 |
| Income before extraordinary items | $1,783,000 | 2,718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,783,000 | 2,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,160 |
| Cash dividends | $885,000 | 2,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,783,000 | 2,730 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,525,000 | 4,598 |
| Total interest expense | $2,223,000 | 5,334 |
| Net interest income | $4,302,000 | 4,124 |
| Provision for loan and lease losses | $122,000 | 5,164 |
| Total noninterest income | $1,089,000 | 3,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $662,000 | 2,695 |
| Total noninterest expense | $3,053,000 | 4,440 |
| Salaries and employee benefits | $1,686,000 | 3,846 |
| Premises and equipment expense | $462,000 | 4,150 |
| Additional noninterest expense | $905,000 | 5,341 |
| Pre-tax net operating income | $2,216,000 | 3,007 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $755,000 | 2,889 |
| Income before extraordinary items | $1,463,000 | 3,314 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,463,000 | 3,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 12,387 |
| Cash dividends | $815,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,461,680 | 3,140 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 5,099 |
| Total interest expense | $2,536,000 | 5,924 |
| Net interest income | $4,034,000 | 4,403 |
| Provision for loan and lease losses | $57,000 | 8,768 |
| Total noninterest income | $1,119,000 | 3,017 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $408,000 | 3,410 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $711,000 | 2,509 |
| Total noninterest expense | $3,024,000 | 4,504 |
| Salaries and employee benefits | $1,729,000 | 3,697 |
| Premises and equipment expense | $439,000 | 4,443 |
| Additional noninterest expense | $856,000 | 5,755 |
| Pre-tax net operating income | $2,072,000 | 3,008 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $636,000 | 3,274 |
| Income before extraordinary items | $1,436,000 | 3,207 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,436,000 | 3,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 12,606 |
| Cash dividends | $814,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,436,000 | 2,964 |
* 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.