Home > The Emmet County State Bank > Income and Expense
The Emmet County State Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,867,000 | 5,908 |
| Total interest expense | $180,000 | 6,368 |
| Net interest income | $1,687,000 | 5,748 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $121,000 | 5,981 |
| Gross Fiduciary activities income | $18,000 | 1,033 |
| Service charges on deposit accounts | $66,000 | 5,680 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $37,000 | 5,978 |
| Total noninterest expense | $1,406,000 | 5,814 |
| Salaries and employee benefits | $830,000 | 5,577 |
| Premises and equipment expense | $192,000 | 5,336 |
| Additional noninterest expense | $384,000 | 6,096 |
| Pre-tax net operating income | $402,000 | 4,984 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $20,000 | 4,156 |
| Income before extraordinary items | $382,000 | 5,039 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $382,000 | 5,040 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $382,000 | 5,040 |
| Net charge-offs | $-24,000 | 6,786 |
| Cash dividends | $200,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $382,000 | 4,858 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,242,000 | 5,964 |
| Total interest expense | $121,000 | 6,441 |
| Net interest income | $1,121,000 | 5,789 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $88,000 | 5,936 |
| Gross Fiduciary activities income | $18,000 | 1,001 |
| Service charges on deposit accounts | $45,000 | 5,675 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $25,000 | 6,001 |
| Total noninterest expense | $961,000 | 5,816 |
| Salaries and employee benefits | $558,000 | 5,607 |
| Premises and equipment expense | $127,000 | 5,388 |
| Additional noninterest expense | $276,000 | 6,046 |
| Pre-tax net operating income | $248,000 | 5,066 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $12,000 | 4,173 |
| Income before extraordinary items | $236,000 | 5,129 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $236,000 | 5,129 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $236,000 | 5,129 |
| Net charge-offs | $-46,000 | 6,967 |
| Cash dividends | $200,000 | 2,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $236,000 | 4,936 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $636,000 | 5,969 |
| Total interest expense | $62,000 | 6,507 |
| Net interest income | $574,000 | 5,785 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $54,000 | 5,763 |
| Gross Fiduciary activities income | $18,000 | 929 |
| Service charges on deposit accounts | $25,000 | 5,510 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $11,000 | 6,162 |
| Total noninterest expense | $499,000 | 5,769 |
| Salaries and employee benefits | $285,000 | 5,603 |
| Premises and equipment expense | $67,000 | 5,306 |
| Additional noninterest expense | $147,000 | 5,955 |
| Pre-tax net operating income | $129,000 | 5,120 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $7,000 | 4,126 |
| Income before extraordinary items | $122,000 | 5,127 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $122,000 | 5,128 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $122,000 | 5,129 |
| Net charge-offs | $-46,000 | 7,055 |
| Cash dividends | $200,000 | 1,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $122,000 | 4,984 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,657,000 | 5,980 |
| Total interest expense | $301,000 | 6,552 |
| Net interest income | $2,356,000 | 5,769 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $210,000 | 5,679 |
| Gross Fiduciary activities income | $18,000 | 1,042 |
| Service charges on deposit accounts | $108,000 | 5,402 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $84,000 | 5,479 |
| Total noninterest expense | $2,016,000 | 5,805 |
| Salaries and employee benefits | $1,153,000 | 5,600 |
| Premises and equipment expense | $313,000 | 5,141 |
| Additional noninterest expense | $550,000 | 6,130 |
| Pre-tax net operating income | $550,000 | 4,617 |
| Securities gains (losses) | $28,000 | 2,935 |
| Applicable income taxes | $34,000 | 3,920 |
| Income before extraordinary items | $544,000 | 4,537 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $544,000 | 4,540 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $544,000 | 4,539 |
| Net charge-offs | $152,000 | 4,584 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $517,680 | 4,499 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,979,000 | 6,056 |
| Total interest expense | $232,000 | 6,619 |
| Net interest income | $1,747,000 | 5,846 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $141,000 | 5,910 |
| Gross Fiduciary activities income | $18,000 | 991 |
| Service charges on deposit accounts | $83,000 | 5,407 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $40,000 | 5,981 |
| Total noninterest expense | $1,517,000 | 5,830 |
| Salaries and employee benefits | $876,000 | 5,581 |
| Premises and equipment expense | $250,000 | 5,048 |
| Additional noninterest expense | $391,000 | 6,251 |
| Pre-tax net operating income | $371,000 | 4,856 |
| Securities gains (losses) | $28,000 | 2,663 |
| Applicable income taxes | $20,000 | 4,044 |
| Income before extraordinary items | $379,000 | 4,743 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 4,744 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $379,000 | 4,744 |
| Net charge-offs | $109,000 | 4,344 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $352,400 | 4,714 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 6,126 |
| Total interest expense | $162,000 | 6,670 |
| Net interest income | $1,144,000 | 5,913 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $99,000 | 5,870 |
| Gross Fiduciary activities income | $18,000 | 952 |
| Service charges on deposit accounts | $55,000 | 5,408 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $26,000 | 6,062 |
| Total noninterest expense | $1,013,000 | 5,884 |
| Salaries and employee benefits | $586,000 | 5,615 |
| Premises and equipment expense | $169,000 | 5,059 |
| Additional noninterest expense | $258,000 | 6,343 |
| Pre-tax net operating income | $230,000 | 4,944 |
| Securities gains (losses) | $2,000 | 2,702 |
| Applicable income taxes | $12,000 | 4,034 |
| Income before extraordinary items | $220,000 | 4,875 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $220,000 | 4,874 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $220,000 | 4,875 |
| Net charge-offs | $57,000 | 4,347 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $218,100 | 4,804 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $648,000 | 6,177 |
| Total interest expense | $81,000 | 6,760 |
| Net interest income | $567,000 | 5,940 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $58,000 | 5,767 |
| Gross Fiduciary activities income | $18,000 | 891 |
| Service charges on deposit accounts | $25,000 | 5,503 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $15,000 | 6,083 |
| Total noninterest expense | $513,000 | 5,893 |
| Salaries and employee benefits | $291,000 | 5,680 |
| Premises and equipment expense | $86,000 | 5,068 |
| Additional noninterest expense | $136,000 | 6,314 |
| Pre-tax net operating income | $112,000 | 5,014 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $6,000 | 3,979 |
| Income before extraordinary items | $106,000 | 4,923 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $106,000 | 4,921 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $106,000 | 4,923 |
| Net charge-offs | $25,000 | 3,891 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $106,000 | 4,870 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,929,000 | 6,086 |
| Total interest expense | $414,000 | 6,756 |
| Net interest income | $2,515,000 | 5,753 |
| Provision for loan and lease losses | $64,000 | 6,326 |
| Total noninterest income | $163,000 | 6,204 |
| Gross Fiduciary activities income | $16,000 | 1,090 |
| Service charges on deposit accounts | $85,000 | 5,691 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $62,000 | 5,920 |
| Total noninterest expense | $2,198,000 | 5,807 |
| Salaries and employee benefits | $1,229,000 | 5,616 |
| Premises and equipment expense | $351,000 | 5,050 |
| Additional noninterest expense | $618,000 | 6,157 |
| Pre-tax net operating income | $416,000 | 4,582 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $20,000 | 4,002 |
| Income before extraordinary items | $396,000 | 4,635 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $396,000 | 4,636 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $396,000 | 4,636 |
| Net charge-offs | $54,000 | 5,854 |
| Cash dividends | $1,115,000 | 1,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $396,000 | 4,485 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 6,158 |
| Total interest expense | $323,000 | 6,844 |
| Net interest income | $1,908,000 | 5,816 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $119,000 | 6,339 |
| Gross Fiduciary activities income | $16,000 | 1,036 |
| Service charges on deposit accounts | $61,000 | 5,835 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $42,000 | 6,168 |
| Total noninterest expense | $1,599,000 | 5,918 |
| Salaries and employee benefits | $927,000 | 5,628 |
| Premises and equipment expense | $232,000 | 5,410 |
| Additional noninterest expense | $440,000 | 6,294 |
| Pre-tax net operating income | $428,000 | 4,418 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $21,000 | 3,981 |
| Income before extraordinary items | $407,000 | 4,444 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $407,000 | 4,446 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $407,000 | 4,446 |
| Net charge-offs | $54,000 | 5,452 |
| Cash dividends | $380,000 | 2,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $407,000 | 4,265 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,492,000 | 6,204 |
| Total interest expense | $223,000 | 6,889 |
| Net interest income | $1,269,000 | 5,839 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $80,000 | 6,370 |
| Gross Fiduciary activities income | $16,000 | 1,009 |
| Service charges on deposit accounts | $40,000 | 5,874 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $24,000 | 6,327 |
| Total noninterest expense | $1,064,000 | 5,953 |
| Salaries and employee benefits | $619,000 | 5,651 |
| Premises and equipment expense | $152,000 | 5,483 |
| Additional noninterest expense | $293,000 | 6,321 |
| Pre-tax net operating income | $285,000 | 4,485 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $14,000 | 3,954 |
| Income before extraordinary items | $271,000 | 4,469 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $271,000 | 4,469 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $271,000 | 4,469 |
| Net charge-offs | $4,000 | 6,102 |
| Cash dividends | $280,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $271,000 | 4,325 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $734,000 | 6,312 |
| Total interest expense | $114,000 | 6,998 |
| Net interest income | $620,000 | 5,935 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $49,000 | 6,156 |
| Gross Fiduciary activities income | $16,000 | 937 |
| Service charges on deposit accounts | $20,000 | 5,909 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $13,000 | 6,398 |
| Total noninterest expense | $518,000 | 6,083 |
| Salaries and employee benefits | $305,000 | 5,775 |
| Premises and equipment expense | $74,000 | 5,638 |
| Additional noninterest expense | $139,000 | 6,477 |
| Pre-tax net operating income | $151,000 | 4,549 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $8,000 | 3,919 |
| Income before extraordinary items | $143,000 | 4,463 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $143,000 | 4,463 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $143,000 | 4,462 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $280,000 | 1,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $143,000 | 4,348 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,234,000 | 6,193 |
| Total interest expense | $645,000 | 6,807 |
| Net interest income | $2,589,000 | 5,747 |
| Provision for loan and lease losses | $366,000 | 4,993 |
| Total noninterest income | $193,000 | 6,278 |
| Gross Fiduciary activities income | $25,000 | 1,063 |
| Service charges on deposit accounts | $86,000 | 5,946 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $82,000 | 5,886 |
| Total noninterest expense | $2,106,000 | 6,109 |
| Salaries and employee benefits | $1,228,000 | 5,789 |
| Premises and equipment expense | $295,000 | 5,692 |
| Additional noninterest expense | $583,000 | 6,510 |
| Pre-tax net operating income | $310,000 | 4,470 |
| Securities gains (losses) | $52,000 | 2,600 |
| Applicable income taxes | $17,000 | 3,730 |
| Income before extraordinary items | $345,000 | 4,335 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $345,000 | 4,335 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $345,000 | 4,336 |
| Net charge-offs | $349,000 | 4,297 |
| Cash dividends | $434,000 | 2,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $295,600 | 4,419 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 6,206 |
| Total interest expense | $515,000 | 6,831 |
| Net interest income | $1,968,000 | 5,743 |
| Provision for loan and lease losses | $236,000 | 4,927 |
| Total noninterest income | $129,000 | 6,541 |
| Gross Fiduciary activities income | $25,000 | 996 |
| Service charges on deposit accounts | $60,000 | 6,072 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $44,000 | 6,345 |
| Total noninterest expense | $1,531,000 | 6,203 |
| Salaries and employee benefits | $923,000 | 5,798 |
| Premises and equipment expense | $215,000 | 5,801 |
| Additional noninterest expense | $393,000 | 6,726 |
| Pre-tax net operating income | $330,000 | 4,425 |
| Securities gains (losses) | $52,000 | 2,277 |
| Applicable income taxes | $19,000 | 3,811 |
| Income before extraordinary items | $363,000 | 4,180 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $363,000 | 4,175 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $363,000 | 4,178 |
| Net charge-offs | $308,000 | 3,667 |
| Cash dividends | $434,000 | 2,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $313,600 | 4,314 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,689,000 | 6,225 |
| Total interest expense | $369,000 | 6,844 |
| Net interest income | $1,320,000 | 5,742 |
| Provision for loan and lease losses | $60,000 | 5,816 |
| Total noninterest income | $89,000 | 6,551 |
| Gross Fiduciary activities income | $25,000 | 958 |
| Service charges on deposit accounts | $37,000 | 6,182 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $27,000 | 6,503 |
| Total noninterest expense | $1,004,000 | 6,288 |
| Salaries and employee benefits | $605,000 | 5,902 |
| Premises and equipment expense | $145,000 | 5,826 |
| Additional noninterest expense | $254,000 | 6,819 |
| Pre-tax net operating income | $345,000 | 3,946 |
| Securities gains (losses) | $52,000 | 1,889 |
| Applicable income taxes | $19,000 | 3,735 |
| Income before extraordinary items | $378,000 | 3,571 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $378,000 | 3,569 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $378,000 | 3,570 |
| Net charge-offs | $66,000 | 4,659 |
| Cash dividends | $434,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $328,600 | 3,691 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $845,000 | 6,273 |
| Total interest expense | $198,000 | 6,829 |
| Net interest income | $647,000 | 5,797 |
| Provision for loan and lease losses | $25,000 | 5,698 |
| Total noninterest income | $54,000 | 6,268 |
| Gross Fiduciary activities income | $22,000 | 897 |
| Service charges on deposit accounts | $18,000 | 6,172 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $14,000 | 6,542 |
| Total noninterest expense | $486,000 | 6,330 |
| Salaries and employee benefits | $298,000 | 5,988 |
| Premises and equipment expense | $72,000 | 5,887 |
| Additional noninterest expense | $116,000 | 6,839 |
| Pre-tax net operating income | $190,000 | 4,133 |
| Securities gains (losses) | $52,000 | 1,287 |
| Applicable income taxes | $12,000 | 3,875 |
| Income before extraordinary items | $230,000 | 3,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $230,000 | 3,618 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $230,000 | 3,619 |
| Net charge-offs | $5,000 | 5,094 |
| Cash dividends | $9,000 | 2,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $180,600 | 3,890 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,838,000 | 6,102 |
| Total interest expense | $1,136,000 | 6,555 |
| Net interest income | $2,702,000 | 5,706 |
| Provision for loan and lease losses | $390,000 | 4,176 |
| Total noninterest income | $179,000 | 6,642 |
| Gross Fiduciary activities income | $21,000 | 1,104 |
| Service charges on deposit accounts | $84,000 | 6,142 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $74,000 | 6,311 |
| Total noninterest expense | $2,053,000 | 6,170 |
| Salaries and employee benefits | $1,231,000 | 5,899 |
| Premises and equipment expense | $304,000 | 5,762 |
| Additional noninterest expense | $518,000 | 6,555 |
| Pre-tax net operating income | $438,000 | 5,045 |
| Securities gains (losses) | $109,000 | 1,068 |
| Applicable income taxes | $26,000 | 4,165 |
| Income before extraordinary items | $521,000 | 4,385 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $521,000 | 4,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $424,000 | 3,028 |
| Cash dividends | $1,522,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $417,450 | 4,870 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,922,000 | 6,138 |
| Total interest expense | $898,000 | 6,560 |
| Net interest income | $2,024,000 | 5,764 |
| Provision for loan and lease losses | $350,000 | 3,295 |
| Total noninterest income | $117,000 | 6,945 |
| Gross Fiduciary activities income | $22,000 | 1,040 |
| Service charges on deposit accounts | $59,000 | 6,247 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $36,000 | 6,941 |
| Total noninterest expense | $1,521,000 | 6,189 |
| Salaries and employee benefits | $915,000 | 5,935 |
| Premises and equipment expense | $225,000 | 5,806 |
| Additional noninterest expense | $381,000 | 6,585 |
| Pre-tax net operating income | $270,000 | 5,756 |
| Securities gains (losses) | $118,000 | 858 |
| Applicable income taxes | $21,000 | 4,585 |
| Income before extraordinary items | $367,000 | 4,910 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $367,000 | 4,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 2,307 |
| Cash dividends | $473,000 | 2,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $254,900 | 5,604 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,974,000 | 6,169 |
| Total interest expense | $630,000 | 6,589 |
| Net interest income | $1,344,000 | 5,785 |
| Provision for loan and lease losses | $200,000 | 3,141 |
| Total noninterest income | $84,000 | 6,882 |
| Gross Fiduciary activities income | $22,000 | 997 |
| Service charges on deposit accounts | $39,000 | 6,277 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $23,000 | 7,064 |
| Total noninterest expense | $1,047,000 | 6,148 |
| Salaries and employee benefits | $623,000 | 5,939 |
| Premises and equipment expense | $148,000 | 5,864 |
| Additional noninterest expense | $276,000 | 6,399 |
| Pre-tax net operating income | $181,000 | 5,935 |
| Securities gains (losses) | $114,000 | 875 |
| Applicable income taxes | $21,000 | 4,649 |
| Income before extraordinary items | $274,000 | 5,151 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $274,000 | 5,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,579 |
| Cash dividends | $375,000 | 2,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $167,980 | 5,792 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 6,149 |
| Total interest expense | $340,000 | 6,588 |
| Net interest income | $692,000 | 5,728 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $56,000 | 6,473 |
| Gross Fiduciary activities income | $22,000 | 935 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $13,000 | 6,970 |
| Total noninterest expense | $476,000 | 6,421 |
| Salaries and employee benefits | $291,000 | 6,180 |
| Premises and equipment expense | $67,000 | 6,170 |
| Additional noninterest expense | $118,000 | 6,754 |
| Pre-tax net operating income | $272,000 | 4,370 |
| Securities gains (losses) | $92,000 | 759 |
| Applicable income taxes | $18,000 | 4,432 |
| Income before extraordinary items | $346,000 | 3,507 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $346,000 | 3,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $277,000 | 1,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $258,600 | 4,032 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,227,000 | 6,115 |
| Total interest expense | $1,696,000 | 6,182 |
| Net interest income | $2,531,000 | 5,945 |
| Provision for loan and lease losses | $60,000 | 5,449 |
| Total noninterest income | $186,000 | 6,842 |
| Gross Fiduciary activities income | $2,000 | 1,406 |
| Service charges on deposit accounts | $112,000 | 5,867 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $72,000 | 6,672 |
| Total noninterest expense | $2,077,000 | 6,127 |
| Salaries and employee benefits | $1,203,000 | 5,978 |
| Premises and equipment expense | $356,000 | 5,358 |
| Additional noninterest expense | $518,000 | 6,480 |
| Pre-tax net operating income | $580,000 | 5,746 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $28,000 | 5,263 |
| Income before extraordinary items | $552,000 | 5,506 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $552,000 | 5,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,243 |
| Cash dividends | $1,173,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $552,000 | 5,493 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,144,000 | 6,179 |
| Total interest expense | $1,266,000 | 6,217 |
| Net interest income | $1,878,000 | 5,991 |
| Provision for loan and lease losses | $60,000 | 4,834 |
| Total noninterest income | $121,000 | 7,076 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $80,000 | 5,982 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $39,000 | 7,085 |
| Total noninterest expense | $1,580,000 | 6,062 |
| Salaries and employee benefits | $906,000 | 5,945 |
| Premises and equipment expense | $270,000 | 5,315 |
| Additional noninterest expense | $404,000 | 6,376 |
| Pre-tax net operating income | $359,000 | 6,332 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $18,000 | 5,533 |
| Income before extraordinary items | $341,000 | 6,098 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $341,000 | 6,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,281 |
| Cash dividends | $1,173,000 | 1,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $341,000 | 6,082 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,086,000 | 6,213 |
| Total interest expense | $824,000 | 6,302 |
| Net interest income | $1,262,000 | 6,024 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $80,000 | 7,121 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $54,000 | 5,982 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $24,000 | 7,211 |
| Total noninterest expense | $1,069,000 | 6,055 |
| Salaries and employee benefits | $608,000 | 5,966 |
| Premises and equipment expense | $183,000 | 5,293 |
| Additional noninterest expense | $278,000 | 6,322 |
| Pre-tax net operating income | $273,000 | 6,210 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $13,000 | 5,554 |
| Income before extraordinary items | $260,000 | 5,944 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $260,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,435 |
| Cash dividends | $1,075,000 | 1,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $260,000 | 5,931 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,026,000 | 6,263 |
| Total interest expense | $398,000 | 6,384 |
| Net interest income | $628,000 | 6,045 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $36,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $24,000 | 6,111 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $551,000 | 6,010 |
| Salaries and employee benefits | $304,000 | 6,001 |
| Premises and equipment expense | $91,000 | 5,339 |
| Additional noninterest expense | $156,000 | 6,015 |
| Pre-tax net operating income | $113,000 | 6,503 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $5,000 | 5,693 |
| Income before extraordinary items | $108,000 | 6,275 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $108,000 | 6,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $250,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $108,000 | 6,256 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,987,000 | 6,130 |
| Total interest expense | $1,371,000 | 6,304 |
| Net interest income | $2,616,000 | 5,892 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $144,000 | 7,355 |
| Gross Fiduciary activities income | $2,000 | 1,427 |
| Service charges on deposit accounts | $95,000 | 6,218 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $47,000 | 7,312 |
| Total noninterest expense | $2,168,000 | 5,925 |
| Salaries and employee benefits | $1,267,000 | 5,736 |
| Premises and equipment expense | $360,000 | 5,247 |
| Additional noninterest expense | $541,000 | 6,348 |
| Pre-tax net operating income | $592,000 | 6,212 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $29,000 | 5,777 |
| Income before extraordinary items | $563,000 | 5,943 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $563,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $266,000 | 4,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $563,000 | 5,940 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,941,000 | 6,188 |
| Total interest expense | $960,000 | 6,411 |
| Net interest income | $1,981,000 | 5,924 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $124,000 | 7,242 |
| Gross Fiduciary activities income | $2,000 | 1,362 |
| Service charges on deposit accounts | $75,000 | 6,229 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 7,016 |
| Total noninterest expense | $1,583,000 | 5,990 |
| Salaries and employee benefits | $946,000 | 5,714 |
| Premises and equipment expense | $240,000 | 5,602 |
| Additional noninterest expense | $397,000 | 6,415 |
| Pre-tax net operating income | $522,000 | 6,130 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $497,000 | 5,775 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $497,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,425 |
| Cash dividends | $266,000 | 3,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $497,000 | 5,775 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 6,210 |
| Total interest expense | $616,000 | 6,397 |
| Net interest income | $1,313,000 | 5,974 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $85,000 | 7,248 |
| Gross Fiduciary activities income | $2,000 | 1,334 |
| Service charges on deposit accounts | $52,000 | 6,195 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,060 |
| Total noninterest expense | $1,054,000 | 6,004 |
| Salaries and employee benefits | $633,000 | 5,736 |
| Premises and equipment expense | $164,000 | 5,536 |
| Additional noninterest expense | $257,000 | 6,501 |
| Pre-tax net operating income | $344,000 | 6,190 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $327,000 | 5,827 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $327,000 | 5,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $206,000 | 3,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $327,000 | 5,826 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 6,234 |
| Total interest expense | $292,000 | 6,433 |
| Net interest income | $655,000 | 6,002 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | $2,000 | 1,247 |
| Service charges on deposit accounts | $23,000 | 6,323 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 6,859 |
| Total noninterest expense | $540,000 | 5,949 |
| Salaries and employee benefits | $311,000 | 5,816 |
| Premises and equipment expense | $93,000 | 5,175 |
| Additional noninterest expense | $136,000 | 6,338 |
| Pre-tax net operating income | $158,000 | 6,308 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $150,000 | 5,967 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $150,000 | 5,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $206,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $150,000 | 5,964 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,379,000 | 6,287 |
| Total interest expense | $875,000 | 6,593 |
| Net interest income | $2,504,000 | 6,041 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $157,000 | 7,426 |
| Gross Fiduciary activities income | $2,000 | 1,452 |
| Service charges on deposit accounts | $101,000 | 6,278 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $54,000 | 7,294 |
| Total noninterest expense | $2,095,000 | 5,956 |
| Salaries and employee benefits | $1,243,000 | 5,677 |
| Premises and equipment expense | $330,000 | 5,470 |
| Additional noninterest expense | $522,000 | 6,451 |
| Pre-tax net operating income | $566,000 | 6,534 |
| Securities gains (losses) | $-117,000 | 8,465 |
| Applicable income taxes | $22,000 | 6,289 |
| Income before extraordinary items | $427,000 | 6,664 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $427,000 | 6,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,815 |
| Cash dividends | $650,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $538,150 | 6,195 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,480,000 | 6,346 |
| Total interest expense | $565,000 | 6,843 |
| Net interest income | $1,915,000 | 6,015 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $121,000 | 7,423 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $72,000 | 6,383 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $47,000 | 7,147 |
| Total noninterest expense | $1,551,000 | 5,963 |
| Salaries and employee benefits | $930,000 | 5,669 |
| Premises and equipment expense | $264,000 | 5,247 |
| Additional noninterest expense | $357,000 | 6,683 |
| Pre-tax net operating income | $485,000 | 6,455 |
| Securities gains (losses) | $-117,000 | 8,650 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $350,000 | 6,649 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $350,000 | 6,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,559 |
| Cash dividends | $650,000 | 2,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $461,150 | 6,042 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 6,344 |
| Total interest expense | $341,000 | 6,946 |
| Net interest income | $1,279,000 | 5,990 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $71,000 | 7,596 |
| Gross Fiduciary activities income | $2,000 | 1,342 |
| Service charges on deposit accounts | $43,000 | 6,506 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $1,036,000 | 5,942 |
| Salaries and employee benefits | $626,000 | 5,617 |
| Premises and equipment expense | $177,000 | 5,221 |
| Additional noninterest expense | $233,000 | 6,740 |
| Pre-tax net operating income | $314,000 | 6,508 |
| Securities gains (losses) | $-82,000 | 8,677 |
| Applicable income taxes | $11,000 | 6,378 |
| Income before extraordinary items | $221,000 | 6,757 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $221,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,591 |
| Cash dividends | $650,000 | 1,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $298,900 | 6,086 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $778,000 | 6,463 |
| Total interest expense | $145,000 | 7,235 |
| Net interest income | $633,000 | 6,060 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $37,000 | 7,531 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $24,000 | 6,339 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $13,000 | 7,447 |
| Total noninterest expense | $526,000 | 5,934 |
| Salaries and employee benefits | $322,000 | 5,568 |
| Premises and equipment expense | $91,000 | 5,179 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $144,000 | 6,647 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $136,000 | 6,312 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $136,000 | 6,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $650,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $136,950 | 6,258 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,179,000 | 6,263 |
| Total interest expense | $556,000 | 7,109 |
| Net interest income | $2,623,000 | 5,848 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $140,000 | 7,697 |
| Gross Fiduciary activities income | $6,000 | 1,382 |
| Service charges on deposit accounts | $94,000 | 6,566 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $40,000 | 7,684 |
| Total noninterest expense | $2,003,000 | 5,998 |
| Salaries and employee benefits | $1,245,000 | 5,583 |
| Premises and equipment expense | $341,000 | 5,302 |
| Additional noninterest expense | $417,000 | 7,035 |
| Pre-tax net operating income | $760,000 | 5,913 |
| Securities gains (losses) | $-32,000 | 8,501 |
| Applicable income taxes | $36,000 | 6,235 |
| Income before extraordinary items | $692,000 | 5,620 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $692,000 | 5,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,680 |
| Cash dividends | $1,417,000 | 1,806 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $722,400 | 5,428 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,378,000 | 6,274 |
| Total interest expense | $424,000 | 7,080 |
| Net interest income | $1,954,000 | 5,865 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $114,000 | 7,623 |
| Gross Fiduciary activities income | $5,000 | 1,342 |
| Service charges on deposit accounts | $68,000 | 6,656 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $41,000 | 7,315 |
| Total noninterest expense | $1,495,000 | 5,977 |
| Salaries and employee benefits | $924,000 | 5,583 |
| Premises and equipment expense | $263,000 | 5,174 |
| Additional noninterest expense | $308,000 | 7,021 |
| Pre-tax net operating income | $573,000 | 6,005 |
| Securities gains (losses) | $-27,000 | 8,715 |
| Applicable income taxes | $27,000 | 6,358 |
| Income before extraordinary items | $519,000 | 5,727 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $519,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,357 |
| Cash dividends | $1,358,000 | 1,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $544,650 | 5,536 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,577,000 | 6,306 |
| Total interest expense | $291,000 | 7,043 |
| Net interest income | $1,286,000 | 5,914 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $75,000 | 7,690 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $44,000 | 6,706 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $997,000 | 6,006 |
| Salaries and employee benefits | $621,000 | 5,582 |
| Premises and equipment expense | $175,000 | 5,210 |
| Additional noninterest expense | $201,000 | 7,113 |
| Pre-tax net operating income | $364,000 | 6,095 |
| Securities gains (losses) | $-27,000 | 8,843 |
| Applicable income taxes | $17,000 | 6,384 |
| Income before extraordinary items | $320,000 | 5,891 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $320,000 | 5,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,450 |
| Cash dividends | $1,298,000 | 1,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $345,650 | 5,625 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $793,000 | 6,298 |
| Total interest expense | $150,000 | 7,036 |
| Net interest income | $643,000 | 5,910 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $38,000 | 7,671 |
| Gross Fiduciary activities income | $5,000 | 1,183 |
| Service charges on deposit accounts | $21,000 | 6,734 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $495,000 | 6,076 |
| Salaries and employee benefits | $310,000 | 5,642 |
| Premises and equipment expense | $85,000 | 5,341 |
| Additional noninterest expense | $100,000 | 7,147 |
| Pre-tax net operating income | $186,000 | 5,992 |
| Securities gains (losses) | $14,000 | 1,880 |
| Applicable income taxes | $9,000 | 6,307 |
| Income before extraordinary items | $191,000 | 5,458 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $191,000 | 5,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,637 |
| Cash dividends | $1,238,000 | 556 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $177,700 | 5,504 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 6,110 |
| Total interest expense | $740,000 | 6,905 |
| Net interest income | $2,675,000 | 5,667 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $127,000 | 8,028 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $88,000 | 6,750 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $35,000 | 7,968 |
| Total noninterest expense | $2,232,000 | 5,625 |
| Salaries and employee benefits | $1,366,000 | 5,171 |
| Premises and equipment expense | $402,000 | 4,716 |
| Additional noninterest expense | $464,000 | 6,765 |
| Pre-tax net operating income | $570,000 | 6,443 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $-7,000 | 8,748 |
| Income before extraordinary items | $578,000 | 6,022 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $578,000 | 6,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,677 |
| Cash dividends | $1,345,000 | 1,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $577,000 | 5,865 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,599,000 | 6,149 |
| Total interest expense | $578,000 | 6,951 |
| Net interest income | $2,021,000 | 5,686 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $106,000 | 7,949 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $64,000 | 6,860 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $38,000 | 7,573 |
| Total noninterest expense | $1,657,000 | 5,636 |
| Salaries and employee benefits | $1,031,000 | 5,147 |
| Premises and equipment expense | $279,000 | 4,966 |
| Additional noninterest expense | $347,000 | 6,739 |
| Pre-tax net operating income | $470,000 | 6,412 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $23,000 | 6,733 |
| Income before extraordinary items | $448,000 | 6,107 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $448,000 | 6,108 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,464 |
| Cash dividends | $1,271,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $447,050 | 5,944 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 6,160 |
| Total interest expense | $403,000 | 6,961 |
| Net interest income | $1,346,000 | 5,682 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $72,000 | 7,929 |
| Gross Fiduciary activities income | $4,000 | 1,366 |
| Service charges on deposit accounts | $42,000 | 6,879 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $26,000 | 7,515 |
| Total noninterest expense | $1,108,000 | 5,617 |
| Salaries and employee benefits | $692,000 | 5,123 |
| Premises and equipment expense | $150,000 | 5,648 |
| Additional noninterest expense | $266,000 | 6,347 |
| Pre-tax net operating income | $310,000 | 6,443 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $295,000 | 6,132 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $295,000 | 6,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $1,197,000 | 1,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $295,000 | 5,936 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $875,000 | 6,191 |
| Total interest expense | $207,000 | 6,979 |
| Net interest income | $668,000 | 5,687 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $35,000 | 7,955 |
| Gross Fiduciary activities income | $4,000 | 1,265 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $12,000 | 7,671 |
| Total noninterest expense | $562,000 | 5,559 |
| Salaries and employee benefits | $354,000 | 5,036 |
| Premises and equipment expense | $80,000 | 5,448 |
| Additional noninterest expense | $128,000 | 6,459 |
| Pre-tax net operating income | $141,000 | 6,585 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $6,000 | 6,816 |
| Income before extraordinary items | $135,000 | 6,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $135,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $1,123,000 | 626 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $135,000 | 6,099 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,119,000 | 5,809 |
| Total interest expense | $1,216,000 | 6,387 |
| Net interest income | $2,903,000 | 5,381 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $142,000 | 7,921 |
| Gross Fiduciary activities income | $5,000 | 1,497 |
| Service charges on deposit accounts | $90,000 | 6,759 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $47,000 | 7,677 |
| Total noninterest expense | $2,136,000 | 5,635 |
| Salaries and employee benefits | $1,348,000 | 5,076 |
| Premises and equipment expense | $306,000 | 5,510 |
| Additional noninterest expense | $482,000 | 6,607 |
| Pre-tax net operating income | $909,000 | 5,455 |
| Securities gains (losses) | $32,000 | 2,782 |
| Applicable income taxes | $47,000 | 6,576 |
| Income before extraordinary items | $894,000 | 4,899 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $894,000 | 4,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,261 |
| Cash dividends | $684,000 | 2,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $863,600 | 4,865 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,756,000 | 5,790 |
| Total interest expense | $2,132,000 | 5,911 |
| Net interest income | $2,624,000 | 5,557 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $151,000 | 7,833 |
| Gross Fiduciary activities income | $5,000 | 1,541 |
| Service charges on deposit accounts | $85,000 | 6,877 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $61,000 | 7,372 |
| Total noninterest expense | $2,122,000 | 5,519 |
| Salaries and employee benefits | $1,311,000 | 4,996 |
| Premises and equipment expense | $299,000 | 5,528 |
| Additional noninterest expense | $512,000 | 6,359 |
| Pre-tax net operating income | $653,000 | 5,971 |
| Securities gains (losses) | $20,000 | 3,157 |
| Applicable income taxes | $333,000 | 4,072 |
| Income before extraordinary items | $340,000 | 6,891 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $340,000 | 6,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,589 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $327,200 | 6,849 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,066,000 | 5,686 |
| Total interest expense | $2,399,000 | 5,709 |
| Net interest income | $2,667,000 | 5,584 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $142,000 | 8,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 7,272 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,011 |
| Total noninterest expense | $2,080,000 | 5,536 |
| Salaries and employee benefits | $1,254,000 | 5,032 |
| Premises and equipment expense | $375,000 | 4,718 |
| Additional noninterest expense | $451,000 | 6,765 |
| Pre-tax net operating income | $729,000 | 6,120 |
| Securities gains (losses) | $-115,000 | 9,456 |
| Applicable income taxes | $178,000 | 5,633 |
| Income before extraordinary items | $436,000 | 6,648 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $436,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,434 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $517,650 | 6,241 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,946,000 | 5,617 |
| Total interest expense | $2,448,000 | 5,259 |
| Net interest income | $2,498,000 | 5,803 |
| Provision for loan and lease losses | $160,000 | 4,104 |
| Total noninterest income | $176,000 | 7,764 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $79,000 | 7,144 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 6,712 |
| Total noninterest expense | $2,077,000 | 5,551 |
| Salaries and employee benefits | $1,215,000 | 5,121 |
| Premises and equipment expense | $365,000 | 4,829 |
| Additional noninterest expense | $497,000 | 6,542 |
| Pre-tax net operating income | $437,000 | 7,425 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $99,000 | 6,931 |
| Income before extraordinary items | $340,000 | 7,351 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $340,000 | 7,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 2,912 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $338,460 | 7,328 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,309,000 | 5,444 |
| Total interest expense | $2,422,000 | 5,487 |
| Net interest income | $2,887,000 | 5,277 |
| Provision for loan and lease losses | $1,039,000 | 942 |
| Total noninterest income | $162,000 | 8,057 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 6,978 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $68,000 | 7,535 |
| Total noninterest expense | $2,217,000 | 5,183 |
| Salaries and employee benefits | $1,254,000 | 4,899 |
| Premises and equipment expense | $302,000 | 5,364 |
| Additional noninterest expense | $661,000 | 5,387 |
| Pre-tax net operating income | $-207,000 | 9,997 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $-136,000 | 10,268 |
| Income before extraordinary items | $-63,000 | 9,918 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-63,000 | 9,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $604,000 | 1,082 |
| Cash dividends | $800,000 | 2,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-68,120 | 9,888 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,202,000 | 5,638 |
| Total interest expense | $2,189,000 | 5,900 |
| Net interest income | $3,013,000 | 5,287 |
| Provision for loan and lease losses | $400,000 | 2,088 |
| Total noninterest income | $163,000 | 8,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 7,630 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 7,323 |
| Total noninterest expense | $2,195,000 | 5,300 |
| Salaries and employee benefits | $1,269,000 | 4,865 |
| Premises and equipment expense | $307,000 | 5,388 |
| Additional noninterest expense | $619,000 | 5,688 |
| Pre-tax net operating income | $581,000 | 7,511 |
| Securities gains (losses) | $38,000 | 1,502 |
| Applicable income taxes | $156,000 | 7,525 |
| Income before extraordinary items | $463,000 | 7,213 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $463,000 | 7,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $404,000 | 1,584 |
| Cash dividends | $350,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $434,500 | 7,363 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,064,000 | 5,883 |
| Total interest expense | $2,246,000 | 5,956 |
| Net interest income | $2,818,000 | 5,702 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $164,000 | 8,793 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 8,436 |
| Total noninterest expense | $1,902,000 | 6,159 |
| Salaries and employee benefits | $1,153,000 | 5,382 |
| Premises and equipment expense | $255,000 | 6,180 |
| Additional noninterest expense | $494,000 | 7,108 |
| Pre-tax net operating income | $880,000 | 6,162 |
| Securities gains (losses) | $104,000 | 937 |
| Applicable income taxes | $297,000 | 5,863 |
| Income before extraordinary items | $687,000 | 5,816 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $687,000 | 5,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $496,000 | 1,433 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $614,200 | 6,126 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 6,105 |
| Total interest expense | $2,122,000 | 6,227 |
| Net interest income | $2,750,000 | 5,893 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $177,000 | 8,836 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,310 |
| Total noninterest expense | $1,862,000 | 6,321 |
| Salaries and employee benefits | $1,068,000 | 5,732 |
| Premises and equipment expense | $275,000 | 5,986 |
| Additional noninterest expense | $519,000 | 7,111 |
| Pre-tax net operating income | $1,065,000 | 5,732 |
| Securities gains (losses) | $263,000 | 564 |
| Applicable income taxes | $415,000 | 4,823 |
| Income before extraordinary items | $913,000 | 4,940 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $913,000 | 4,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 11,673 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $731,530 | 5,789 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,274,000 | 6,386 |
| Total interest expense | $1,655,000 | 6,457 |
| Net interest income | $2,619,000 | 6,231 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $223,000 | 8,336 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 8,649 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $142,000 | 6,367 |
| Total noninterest expense | $1,798,000 | 6,692 |
| Salaries and employee benefits | $996,000 | 6,106 |
| Premises and equipment expense | $277,000 | 6,051 |
| Additional noninterest expense | $525,000 | 7,635 |
| Pre-tax net operating income | $1,044,000 | 5,774 |
| Securities gains (losses) | $-162,000 | 11,839 |
| Applicable income taxes | $247,000 | 6,586 |
| Income before extraordinary items | $635,000 | 6,304 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $635,000 | 6,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-113,000 | 12,266 |
| Cash dividends | $400,000 | 3,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $751,640 | 5,676 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,610,000 | 6,188 |
| Total interest expense | $1,769,000 | 6,427 |
| Net interest income | $2,841,000 | 5,901 |
| Provision for loan and lease losses | $90,000 | 6,008 |
| Total noninterest income | $342,000 | 7,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 7,418 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 5,584 |
| Total noninterest expense | $1,936,000 | 6,503 |
| Salaries and employee benefits | $1,023,000 | 5,995 |
| Premises and equipment expense | $282,000 | 6,153 |
| Additional noninterest expense | $631,000 | 7,067 |
| Pre-tax net operating income | $1,157,000 | 5,310 |
| Securities gains (losses) | $88,000 | 2,680 |
| Applicable income taxes | $380,000 | 5,186 |
| Income before extraordinary items | $865,000 | 5,237 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $865,000 | 5,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 5,361 |
| Cash dividends | $425,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $804,280 | 5,314 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,302,000 | 6,081 |
| Total interest expense | $2,555,000 | 5,885 |
| Net interest income | $2,747,000 | 6,128 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $304,000 | 7,675 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,767 |
| Total noninterest expense | $1,780,000 | 7,016 |
| Salaries and employee benefits | $974,000 | 6,173 |
| Premises and equipment expense | $277,000 | 6,329 |
| Additional noninterest expense | $529,000 | 8,202 |
| Pre-tax net operating income | $1,271,000 | 4,691 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $390,000 | 4,891 |
| Income before extraordinary items | $899,000 | 4,937 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $899,000 | 4,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-224,000 | 13,859 |
| Cash dividends | $300,000 | 3,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $886,400 | 4,681 |
* 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.