Home > The Exchange National Bank of Cottonwood Falls > Income and Expense
The Exchange National Bank of Cottonwood Falls, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $616,000 | 6,817 |
| Total interest expense | $66,000 | 6,895 |
| Net interest income | $550,000 | 6,770 |
| Provision for loan and lease losses | $40,000 | 4,724 |
| Total noninterest income | $93,000 | 5,880 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $24,000 | 6,374 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $69,000 | 5,126 |
| Total noninterest expense | $564,000 | 6,583 |
| Salaries and employee benefits | $291,000 | 6,611 |
| Premises and equipment expense | $47,000 | 6,704 |
| Additional noninterest expense | $226,000 | 6,289 |
| Pre-tax net operating income | $39,000 | 6,147 |
| Securities gains (losses) | $91,000 | 1,661 |
| Applicable income taxes | $-63,000 | 6,968 |
| Income before extraordinary items | $193,000 | 5,368 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $193,000 | 5,367 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $193,000 | 5,367 |
| Net charge-offs | $-6,000 | 6,510 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $102,000 | 5,778 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $304,000 | 6,887 |
| Total interest expense | $34,000 | 6,960 |
| Net interest income | $270,000 | 6,840 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $34,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $12,000 | 6,375 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $22,000 | 5,635 |
| Total noninterest expense | $270,000 | 6,682 |
| Salaries and employee benefits | $140,000 | 6,704 |
| Premises and equipment expense | $23,000 | 6,746 |
| Additional noninterest expense | $107,000 | 6,415 |
| Pre-tax net operating income | $34,000 | 6,092 |
| Securities gains (losses) | $91,000 | 960 |
| Applicable income taxes | $-19,000 | 7,025 |
| Income before extraordinary items | $144,000 | 4,916 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $144,000 | 4,918 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $144,000 | 4,919 |
| Net charge-offs | $-3,000 | 6,199 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $53,000 | 5,809 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,291,000 | 6,912 |
| Total interest expense | $178,000 | 6,973 |
| Net interest income | $1,113,000 | 6,850 |
| Provision for loan and lease losses | $14,000 | 6,298 |
| Total noninterest income | $121,000 | 6,267 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $56,000 | 6,232 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $65,000 | 5,715 |
| Total noninterest expense | $1,345,000 | 6,482 |
| Salaries and employee benefits | $764,000 | 6,354 |
| Premises and equipment expense | $102,000 | 6,810 |
| Additional noninterest expense | $479,000 | 6,337 |
| Pre-tax net operating income | $-125,000 | 6,160 |
| Securities gains (losses) | $67,000 | 2,372 |
| Applicable income taxes | $-5,000 | 6,552 |
| Income before extraordinary items | $-53,000 | 6,224 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-53,000 | 6,226 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-53,000 | 6,226 |
| Net charge-offs | $33,000 | 5,696 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-113,970 | 6,193 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $969,000 | 6,982 |
| Total interest expense | $142,000 | 7,033 |
| Net interest income | $827,000 | 6,920 |
| Provision for loan and lease losses | $14,000 | 6,121 |
| Total noninterest income | $94,000 | 6,316 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $43,000 | 6,245 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $51,000 | 5,768 |
| Total noninterest expense | $965,000 | 6,567 |
| Salaries and employee benefits | $520,000 | 6,518 |
| Premises and equipment expense | $83,000 | 6,776 |
| Additional noninterest expense | $362,000 | 6,374 |
| Pre-tax net operating income | $-58,000 | 6,233 |
| Securities gains (losses) | $67,000 | 2,106 |
| Applicable income taxes | $1,000 | 4,642 |
| Income before extraordinary items | $8,000 | 6,227 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,000 | 6,229 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $8,000 | 6,229 |
| Net charge-offs | $33,000 | 5,252 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-51,630 | 6,256 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $672,000 | 7,005 |
| Total interest expense | $100,000 | 7,088 |
| Net interest income | $572,000 | 6,939 |
| Provision for loan and lease losses | $9,000 | 6,021 |
| Total noninterest income | $65,000 | 6,354 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $29,000 | 6,234 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 5,786 |
| Total noninterest expense | $643,000 | 6,629 |
| Salaries and employee benefits | $349,000 | 6,561 |
| Premises and equipment expense | $56,000 | 6,818 |
| Additional noninterest expense | $238,000 | 6,457 |
| Pre-tax net operating income | $-15,000 | 6,248 |
| Securities gains (losses) | $39,000 | 1,734 |
| Applicable income taxes | $4,000 | 4,365 |
| Income before extraordinary items | $20,000 | 6,191 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $20,000 | 6,190 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $20,000 | 6,191 |
| Net charge-offs | $26,000 | 4,913 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-12,370 | 6,273 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $328,000 | 7,082 |
| Total interest expense | $51,000 | 7,150 |
| Net interest income | $277,000 | 6,994 |
| Provision for loan and lease losses | $5,000 | 5,624 |
| Total noninterest income | $36,000 | 6,311 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $15,000 | 6,157 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $21,000 | 5,759 |
| Total noninterest expense | $318,000 | 6,703 |
| Salaries and employee benefits | $174,000 | 6,604 |
| Premises and equipment expense | $27,000 | 6,899 |
| Additional noninterest expense | $117,000 | 6,538 |
| Pre-tax net operating income | $-10,000 | 6,395 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $6,000 | 3,979 |
| Income before extraordinary items | $-16,000 | 6,469 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-16,000 | 6,469 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-16,000 | 6,469 |
| Net charge-offs | $37,000 | 3,587 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-16,000 | 6,450 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,270,000 | 7,208 |
| Total interest expense | $253,000 | 7,192 |
| Net interest income | $1,017,000 | 7,156 |
| Provision for loan and lease losses | $300,000 | 4,839 |
| Total noninterest income | $110,000 | 6,598 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $64,000 | 6,018 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $46,000 | 6,173 |
| Total noninterest expense | $1,285,000 | 6,762 |
| Salaries and employee benefits | $698,000 | 6,687 |
| Premises and equipment expense | $114,000 | 6,932 |
| Additional noninterest expense | $473,000 | 6,597 |
| Pre-tax net operating income | $-458,000 | 6,235 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-45,000 | 6,705 |
| Income before extraordinary items | $-413,000 | 6,321 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-413,000 | 6,322 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-413,000 | 6,322 |
| Net charge-offs | $128,000 | 5,204 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-413,000 | 6,269 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,003,000 | 7,273 |
| Total interest expense | $195,000 | 7,298 |
| Net interest income | $808,000 | 7,190 |
| Provision for loan and lease losses | $264,000 | 4,512 |
| Total noninterest income | $90,000 | 6,652 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $49,000 | 6,082 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $41,000 | 6,178 |
| Total noninterest expense | $986,000 | 6,791 |
| Salaries and employee benefits | $508,000 | 6,797 |
| Premises and equipment expense | $109,000 | 6,753 |
| Additional noninterest expense | $369,000 | 6,585 |
| Pre-tax net operating income | $-352,000 | 6,436 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-51,000 | 6,981 |
| Income before extraordinary items | $-301,000 | 6,525 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-301,000 | 6,526 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-301,000 | 6,525 |
| Net charge-offs | $123,000 | 4,696 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-301,000 | 6,447 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $695,000 | 7,294 |
| Total interest expense | $132,000 | 7,376 |
| Net interest income | $563,000 | 7,199 |
| Provision for loan and lease losses | $259,000 | 3,846 |
| Total noninterest income | $54,000 | 6,781 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $31,000 | 6,151 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $23,000 | 6,361 |
| Total noninterest expense | $651,000 | 6,848 |
| Salaries and employee benefits | $336,000 | 6,853 |
| Premises and equipment expense | $75,000 | 6,744 |
| Additional noninterest expense | $240,000 | 6,655 |
| Pre-tax net operating income | $-293,000 | 6,564 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-58,000 | 7,100 |
| Income before extraordinary items | $-235,000 | 6,610 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-235,000 | 6,612 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-235,000 | 6,611 |
| Net charge-offs | $123,000 | 4,015 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-235,000 | 6,557 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 7,373 |
| Total interest expense | $71,000 | 7,427 |
| Net interest income | $286,000 | 7,264 |
| Provision for loan and lease losses | $155,000 | 3,289 |
| Total noninterest income | $32,000 | 6,672 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $14,000 | 6,285 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $18,000 | 6,058 |
| Total noninterest expense | $319,000 | 6,972 |
| Salaries and employee benefits | $166,000 | 6,961 |
| Premises and equipment expense | $37,000 | 6,851 |
| Additional noninterest expense | $116,000 | 6,786 |
| Pre-tax net operating income | $-156,000 | 6,771 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-32,000 | 7,257 |
| Income before extraordinary items | $-124,000 | 6,806 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-124,000 | 6,807 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-124,000 | 6,806 |
| Net charge-offs | $-1,000 | 6,806 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-124,000 | 6,760 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,535,000 | 7,397 |
| Total interest expense | $326,000 | 7,527 |
| Net interest income | $1,209,000 | 7,230 |
| Provision for loan and lease losses | $298,000 | 5,283 |
| Total noninterest income | $88,000 | 7,083 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $64,000 | 6,271 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $24,000 | 6,867 |
| Total noninterest expense | $1,276,000 | 7,061 |
| Salaries and employee benefits | $718,000 | 6,926 |
| Premises and equipment expense | $133,000 | 7,076 |
| Additional noninterest expense | $425,000 | 7,018 |
| Pre-tax net operating income | $-277,000 | 5,786 |
| Securities gains (losses) | $-63,000 | 7,214 |
| Applicable income taxes | $-171,000 | 6,715 |
| Income before extraordinary items | $-169,000 | 5,783 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-169,000 | 5,782 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-169,000 | 5,782 |
| Net charge-offs | $322,000 | 4,393 |
| Cash dividends | $26,000 | 4,537 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-128,680 | 5,719 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 7,400 |
| Total interest expense | $254,000 | 7,600 |
| Net interest income | $985,000 | 7,167 |
| Provision for loan and lease losses | $8,000 | 7,164 |
| Total noninterest income | $69,000 | 7,180 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $48,000 | 6,312 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $21,000 | 6,957 |
| Total noninterest expense | $1,005,000 | 7,026 |
| Salaries and employee benefits | $554,000 | 6,895 |
| Premises and equipment expense | $114,000 | 6,964 |
| Additional noninterest expense | $337,000 | 6,975 |
| Pre-tax net operating income | $41,000 | 5,520 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $17,000 | 3,848 |
| Income before extraordinary items | $24,000 | 5,680 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $24,000 | 5,680 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $24,000 | 5,680 |
| Net charge-offs | $-8,000 | 7,848 |
| Cash dividends | $26,000 | 4,039 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $24,000 | 5,618 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $859,000 | 7,410 |
| Total interest expense | $172,000 | 7,694 |
| Net interest income | $687,000 | 7,122 |
| Provision for loan and lease losses | $3,000 | 7,092 |
| Total noninterest income | $47,000 | 7,216 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $31,000 | 6,373 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $16,000 | 6,961 |
| Total noninterest expense | $667,000 | 7,093 |
| Salaries and employee benefits | $370,000 | 6,964 |
| Premises and equipment expense | $77,000 | 7,004 |
| Additional noninterest expense | $220,000 | 7,048 |
| Pre-tax net operating income | $64,000 | 5,435 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $12,000 | 3,934 |
| Income before extraordinary items | $52,000 | 5,565 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $52,000 | 5,562 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $52,000 | 5,562 |
| Net charge-offs | $-8,000 | 7,866 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $52,000 | 5,489 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $450,000 | 7,407 |
| Total interest expense | $89,000 | 7,742 |
| Net interest income | $361,000 | 7,067 |
| Provision for loan and lease losses | $1,000 | 6,705 |
| Total noninterest income | $28,000 | 7,100 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $16,000 | 6,311 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $12,000 | 6,706 |
| Total noninterest expense | $320,000 | 7,153 |
| Salaries and employee benefits | $187,000 | 6,984 |
| Premises and equipment expense | $38,000 | 7,069 |
| Additional noninterest expense | $95,000 | 7,159 |
| Pre-tax net operating income | $68,000 | 5,398 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $5,000 | 4,285 |
| Income before extraordinary items | $63,000 | 5,505 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $63,000 | 5,508 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $63,000 | 5,508 |
| Net charge-offs | $-9,000 | 7,845 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $63,000 | 5,325 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,721,000 | 7,528 |
| Total interest expense | $450,000 | 7,756 |
| Net interest income | $1,271,000 | 7,275 |
| Provision for loan and lease losses | $-66,000 | 8,242 |
| Total noninterest income | $98,000 | 7,318 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $72,000 | 6,294 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $26,000 | 7,270 |
| Total noninterest expense | $1,219,000 | 7,246 |
| Salaries and employee benefits | $694,000 | 7,173 |
| Premises and equipment expense | $123,000 | 7,401 |
| Additional noninterest expense | $402,000 | 7,035 |
| Pre-tax net operating income | $216,000 | 5,706 |
| Securities gains (losses) | $-143,000 | 7,290 |
| Applicable income taxes | $-32,000 | 6,903 |
| Income before extraordinary items | $105,000 | 5,844 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $105,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-92,000 | 8,224 |
| Cash dividends | $64,000 | 5,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $248,000 | 5,465 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,327,000 | 7,578 |
| Total interest expense | $350,000 | 7,834 |
| Net interest income | $977,000 | 7,304 |
| Provision for loan and lease losses | $-97,000 | 8,327 |
| Total noninterest income | $75,000 | 7,415 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $53,000 | 6,369 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $22,000 | 7,355 |
| Total noninterest expense | $934,000 | 7,218 |
| Salaries and employee benefits | $525,000 | 7,159 |
| Premises and equipment expense | $102,000 | 7,330 |
| Additional noninterest expense | $307,000 | 6,997 |
| Pre-tax net operating income | $215,000 | 5,981 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-31,000 | 7,394 |
| Income before extraordinary items | $246,000 | 5,468 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $246,000 | 5,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-120,000 | 8,287 |
| Cash dividends | $26,000 | 4,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $246,000 | 5,641 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $900,000 | 7,631 |
| Total interest expense | $240,000 | 7,907 |
| Net interest income | $660,000 | 7,308 |
| Provision for loan and lease losses | $13,000 | 6,212 |
| Total noninterest income | $53,000 | 7,420 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $35,000 | 6,396 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $18,000 | 7,278 |
| Total noninterest expense | $631,000 | 7,257 |
| Salaries and employee benefits | $351,000 | 7,227 |
| Premises and equipment expense | $70,000 | 7,346 |
| Additional noninterest expense | $210,000 | 6,980 |
| Pre-tax net operating income | $69,000 | 6,574 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $38,000 | 4,270 |
| Income before extraordinary items | $31,000 | 6,814 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $31,000 | 6,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-120,000 | 8,364 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $31,000 | 6,759 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $453,000 | 7,700 |
| Total interest expense | $127,000 | 7,942 |
| Net interest income | $326,000 | 7,376 |
| Provision for loan and lease losses | $7,000 | 5,635 |
| Total noninterest income | $28,000 | 7,392 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $316,000 | 7,287 |
| Salaries and employee benefits | $170,000 | 7,320 |
| Premises and equipment expense | $35,000 | 7,353 |
| Additional noninterest expense | $111,000 | 6,884 |
| Pre-tax net operating income | $31,000 | 6,842 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $20,000 | 4,373 |
| Income before extraordinary items | $11,000 | 7,128 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $11,000 | 7,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $11,000 | 7,044 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,951,000 | 7,598 |
| Total interest expense | $529,000 | 7,919 |
| Net interest income | $1,422,000 | 7,224 |
| Provision for loan and lease losses | $346,000 | 2,933 |
| Total noninterest income | $101,000 | 7,548 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $78,000 | 6,337 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $23,000 | 7,725 |
| Total noninterest expense | $1,274,000 | 7,245 |
| Salaries and employee benefits | $693,000 | 7,268 |
| Premises and equipment expense | $147,000 | 7,284 |
| Additional noninterest expense | $434,000 | 6,895 |
| Pre-tax net operating income | $-97,000 | 7,554 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-27,000 | 7,871 |
| Income before extraordinary items | $-70,000 | 7,597 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-70,000 | 7,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $638,000 | 1,419 |
| Cash dividends | $86,000 | 5,436 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-70,000 | 7,573 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,483,000 | 7,620 |
| Total interest expense | $402,000 | 7,945 |
| Net interest income | $1,081,000 | 7,243 |
| Provision for loan and lease losses | $25,000 | 5,669 |
| Total noninterest income | $75,000 | 7,609 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $58,000 | 6,367 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $17,000 | 7,773 |
| Total noninterest expense | $940,000 | 7,259 |
| Salaries and employee benefits | $520,000 | 7,240 |
| Premises and equipment expense | $102,000 | 7,372 |
| Additional noninterest expense | $318,000 | 6,924 |
| Pre-tax net operating income | $191,000 | 7,001 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $60,000 | 4,828 |
| Income before extraordinary items | $131,000 | 7,121 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $131,000 | 7,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,536 |
| Cash dividends | $34,000 | 5,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $131,000 | 7,108 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,002,000 | 7,643 |
| Total interest expense | $271,000 | 7,982 |
| Net interest income | $731,000 | 7,266 |
| Provision for loan and lease losses | $23,000 | 5,257 |
| Total noninterest income | $49,000 | 7,679 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $36,000 | 6,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,000 | 7,713 |
| Total noninterest expense | $616,000 | 7,338 |
| Salaries and employee benefits | $346,000 | 7,315 |
| Premises and equipment expense | $69,000 | 7,380 |
| Additional noninterest expense | $201,000 | 7,056 |
| Pre-tax net operating income | $141,000 | 7,010 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $41,000 | 4,901 |
| Income before extraordinary items | $100,000 | 7,122 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $100,000 | 7,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $100,000 | 7,112 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $484,000 | 7,734 |
| Total interest expense | $134,000 | 8,024 |
| Net interest income | $350,000 | 7,390 |
| Provision for loan and lease losses | $11,000 | 4,971 |
| Total noninterest income | $26,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $307,000 | 7,383 |
| Salaries and employee benefits | $172,000 | 7,369 |
| Premises and equipment expense | $33,000 | 7,469 |
| Additional noninterest expense | $102,000 | 7,049 |
| Pre-tax net operating income | $58,000 | 7,191 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $21,000 | 4,889 |
| Income before extraordinary items | $37,000 | 7,345 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $37,000 | 7,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $37,000 | 7,335 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,908,000 | 7,616 |
| Total interest expense | $511,000 | 7,895 |
| Net interest income | $1,397,000 | 7,311 |
| Provision for loan and lease losses | $66,000 | 5,233 |
| Total noninterest income | $103,000 | 7,703 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $87,000 | 6,326 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 8,092 |
| Total noninterest expense | $1,258,000 | 7,295 |
| Salaries and employee benefits | $647,000 | 7,447 |
| Premises and equipment expense | $143,000 | 7,335 |
| Additional noninterest expense | $468,000 | 6,689 |
| Pre-tax net operating income | $176,000 | 7,484 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $51,000 | 5,432 |
| Income before extraordinary items | $125,000 | 7,579 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $125,000 | 7,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,178 |
| Cash dividends | $49,000 | 5,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $125,000 | 7,572 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,427,000 | 7,677 |
| Total interest expense | $376,000 | 7,947 |
| Net interest income | $1,051,000 | 7,372 |
| Provision for loan and lease losses | $35,000 | 5,538 |
| Total noninterest income | $71,000 | 7,872 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $66,000 | 6,390 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,000 | 8,420 |
| Total noninterest expense | $916,000 | 7,346 |
| Salaries and employee benefits | $469,000 | 7,511 |
| Premises and equipment expense | $99,000 | 7,479 |
| Additional noninterest expense | $348,000 | 6,725 |
| Pre-tax net operating income | $171,000 | 7,535 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $75,000 | 5,174 |
| Income before extraordinary items | $96,000 | 7,744 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $96,000 | 7,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,111 |
| Cash dividends | $26,000 | 5,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $96,000 | 7,745 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $948,000 | 7,685 |
| Total interest expense | $247,000 | 7,946 |
| Net interest income | $701,000 | 7,425 |
| Provision for loan and lease losses | $23,000 | 5,452 |
| Total noninterest income | $57,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,440 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $14,000 | 7,856 |
| Total noninterest expense | $594,000 | 7,445 |
| Salaries and employee benefits | $302,000 | 7,613 |
| Premises and equipment expense | $66,000 | 7,495 |
| Additional noninterest expense | $226,000 | 6,830 |
| Pre-tax net operating income | $141,000 | 7,443 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $50,000 | 5,228 |
| Income before extraordinary items | $91,000 | 7,599 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $91,000 | 7,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $91,000 | 7,604 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $468,000 | 7,717 |
| Total interest expense | $120,000 | 7,952 |
| Net interest income | $348,000 | 7,453 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $31,000 | 7,631 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $19,000 | 6,578 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $290,000 | 7,504 |
| Salaries and employee benefits | $142,000 | 7,729 |
| Premises and equipment expense | $34,000 | 7,467 |
| Additional noninterest expense | $114,000 | 6,766 |
| Pre-tax net operating income | $77,000 | 7,349 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $25,000 | 5,191 |
| Income before extraordinary items | $52,000 | 7,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $52,000 | 7,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,062 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $52,000 | 7,510 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,835,000 | 7,607 |
| Total interest expense | $399,000 | 7,893 |
| Net interest income | $1,436,000 | 7,382 |
| Provision for loan and lease losses | $216,000 | 3,461 |
| Total noninterest income | $102,000 | 7,917 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $89,000 | 6,442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $13,000 | 8,328 |
| Total noninterest expense | $1,097,000 | 7,576 |
| Salaries and employee benefits | $543,000 | 7,782 |
| Premises and equipment expense | $120,000 | 7,644 |
| Additional noninterest expense | $434,000 | 6,911 |
| Pre-tax net operating income | $225,000 | 7,629 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $79,000 | 5,551 |
| Income before extraordinary items | $146,000 | 7,808 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $146,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,752 |
| Cash dividends | $57,000 | 5,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $146,000 | 7,771 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 7,629 |
| Total interest expense | $290,000 | 7,916 |
| Net interest income | $1,087,000 | 7,404 |
| Provision for loan and lease losses | $184,000 | 3,103 |
| Total noninterest income | $85,000 | 7,840 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $67,000 | 6,478 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $18,000 | 8,051 |
| Total noninterest expense | $829,000 | 7,559 |
| Salaries and employee benefits | $408,000 | 7,747 |
| Premises and equipment expense | $97,000 | 7,518 |
| Additional noninterest expense | $324,000 | 6,930 |
| Pre-tax net operating income | $159,000 | 7,801 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $54,000 | 5,741 |
| Income before extraordinary items | $105,000 | 7,929 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $105,000 | 7,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $290,000 | 1,289 |
| Cash dividends | $23,000 | 5,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $105,000 | 7,906 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $913,000 | 7,632 |
| Total interest expense | $184,000 | 7,928 |
| Net interest income | $729,000 | 7,399 |
| Provision for loan and lease losses | $169,000 | 2,457 |
| Total noninterest income | $62,000 | 7,736 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $45,000 | 6,448 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $17,000 | 7,791 |
| Total noninterest expense | $541,000 | 7,601 |
| Salaries and employee benefits | $261,000 | 7,833 |
| Premises and equipment expense | $64,000 | 7,531 |
| Additional noninterest expense | $216,000 | 6,911 |
| Pre-tax net operating income | $81,000 | 7,953 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $29,000 | 5,891 |
| Income before extraordinary items | $52,000 | 8,095 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $52,000 | 8,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 1,037 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $52,000 | 8,061 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $444,000 | 7,720 |
| Total interest expense | $88,000 | 7,991 |
| Net interest income | $356,000 | 7,497 |
| Provision for loan and lease losses | $113,000 | 1,870 |
| Total noninterest income | $34,000 | 7,645 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $20,000 | 6,602 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,363 |
| Total noninterest expense | $253,000 | 7,774 |
| Salaries and employee benefits | $118,000 | 8,040 |
| Premises and equipment expense | $32,000 | 7,605 |
| Additional noninterest expense | $103,000 | 7,065 |
| Pre-tax net operating income | $24,000 | 8,212 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $13,000 | 5,949 |
| Income before extraordinary items | $11,000 | 8,344 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $11,000 | 8,343 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 715 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $11,000 | 8,317 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,763,000 | 7,616 |
| Total interest expense | $349,000 | 7,875 |
| Net interest income | $1,414,000 | 7,437 |
| Provision for loan and lease losses | $209,000 | 3,619 |
| Total noninterest income | $130,000 | 7,795 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $100,000 | 6,482 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,956 |
| Total noninterest expense | $1,051,000 | 7,711 |
| Salaries and employee benefits | $545,000 | 7,848 |
| Premises and equipment expense | $113,000 | 7,802 |
| Additional noninterest expense | $393,000 | 7,156 |
| Pre-tax net operating income | $284,000 | 7,488 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $63,000 | 5,889 |
| Income before extraordinary items | $221,000 | 7,543 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $221,000 | 7,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,254 |
| Cash dividends | $86,000 | 5,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $221,000 | 7,505 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 7,664 |
| Total interest expense | $262,000 | 7,915 |
| Net interest income | $1,057,000 | 7,462 |
| Provision for loan and lease losses | $148,000 | 3,572 |
| Total noninterest income | $100,000 | 7,803 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $74,000 | 6,546 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 7,845 |
| Total noninterest expense | $818,000 | 7,609 |
| Salaries and employee benefits | $423,000 | 7,744 |
| Premises and equipment expense | $106,000 | 7,410 |
| Additional noninterest expense | $289,000 | 7,184 |
| Pre-tax net operating income | $191,000 | 7,739 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $46,000 | 6,019 |
| Income before extraordinary items | $145,000 | 7,807 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $145,000 | 7,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $38,000 | 5,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $145,000 | 7,766 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $890,000 | 7,685 |
| Total interest expense | $177,000 | 7,966 |
| Net interest income | $713,000 | 7,467 |
| Provision for loan and lease losses | $107,000 | 3,361 |
| Total noninterest income | $70,000 | 7,781 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $52,000 | 6,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 7,850 |
| Total noninterest expense | $548,000 | 7,641 |
| Salaries and employee benefits | $288,000 | 7,765 |
| Premises and equipment expense | $73,000 | 7,393 |
| Additional noninterest expense | $187,000 | 7,286 |
| Pre-tax net operating income | $128,000 | 7,704 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $30,000 | 6,027 |
| Income before extraordinary items | $98,000 | 7,789 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $98,000 | 7,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,060 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $98,000 | 7,727 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $445,000 | 7,728 |
| Total interest expense | $90,000 | 7,997 |
| Net interest income | $355,000 | 7,507 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $36,000 | 7,745 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $23,000 | 6,604 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $13,000 | 7,451 |
| Total noninterest expense | $285,000 | 7,612 |
| Salaries and employee benefits | $152,000 | 7,665 |
| Premises and equipment expense | $37,000 | 7,419 |
| Additional noninterest expense | $96,000 | 7,245 |
| Pre-tax net operating income | $91,000 | 7,292 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $53,000 | 4,770 |
| Income before extraordinary items | $38,000 | 8,000 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 8,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $38,000 | 7,938 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,918,000 | 7,636 |
| Total interest expense | $468,000 | 7,852 |
| Net interest income | $1,450,000 | 7,436 |
| Provision for loan and lease losses | $322,000 | 3,006 |
| Total noninterest income | $151,000 | 7,795 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $111,000 | 6,395 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $40,000 | 7,815 |
| Total noninterest expense | $1,118,000 | 7,642 |
| Salaries and employee benefits | $638,000 | 7,551 |
| Premises and equipment expense | $124,000 | 7,752 |
| Additional noninterest expense | $356,000 | 7,406 |
| Pre-tax net operating income | $161,000 | 7,960 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $44,000 | 6,374 |
| Income before extraordinary items | $117,000 | 8,143 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $117,000 | 8,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,678 |
| Cash dividends | $113,000 | 5,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $117,000 | 8,027 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,465,000 | 7,691 |
| Total interest expense | $374,000 | 7,888 |
| Net interest income | $1,091,000 | 7,481 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $119,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $87,000 | 6,376 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 7,787 |
| Total noninterest expense | $827,000 | 7,658 |
| Salaries and employee benefits | $466,000 | 7,574 |
| Premises and equipment expense | $108,000 | 7,495 |
| Additional noninterest expense | $253,000 | 7,533 |
| Pre-tax net operating income | $248,000 | 7,450 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $121,000 | 5,356 |
| Income before extraordinary items | $127,000 | 8,059 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $127,000 | 8,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 1,703 |
| Cash dividends | $68,000 | 4,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $127,000 | 7,924 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $999,000 | 7,688 |
| Total interest expense | $262,000 | 7,922 |
| Net interest income | $737,000 | 7,478 |
| Provision for loan and lease losses | $119,000 | 3,596 |
| Total noninterest income | $82,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $56,000 | 6,407 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $26,000 | 7,515 |
| Total noninterest expense | $527,000 | 7,779 |
| Salaries and employee benefits | $305,000 | 7,649 |
| Premises and equipment expense | $72,000 | 7,506 |
| Additional noninterest expense | $150,000 | 7,776 |
| Pre-tax net operating income | $173,000 | 7,436 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $66,000 | 5,622 |
| Income before extraordinary items | $107,000 | 7,878 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $107,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $107,000 | 7,703 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $501,000 | 7,733 |
| Total interest expense | $136,000 | 7,945 |
| Net interest income | $365,000 | 7,507 |
| Provision for loan and lease losses | $3,000 | 6,662 |
| Total noninterest income | $40,000 | 7,748 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $25,000 | 6,543 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $15,000 | 7,351 |
| Total noninterest expense | $260,000 | 7,841 |
| Salaries and employee benefits | $151,000 | 7,693 |
| Premises and equipment expense | $36,000 | 7,540 |
| Additional noninterest expense | $73,000 | 7,858 |
| Pre-tax net operating income | $142,000 | 6,566 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $64,000 | 4,721 |
| Income before extraordinary items | $78,000 | 7,334 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $78,000 | 7,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 3,174 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $78,000 | 7,180 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,191,000 | 7,655 |
| Total interest expense | $730,000 | 7,728 |
| Net interest income | $1,461,000 | 7,497 |
| Provision for loan and lease losses | $49,000 | 6,749 |
| Total noninterest income | $160,000 | 7,719 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $119,000 | 6,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $41,000 | 7,847 |
| Total noninterest expense | $1,004,000 | 7,927 |
| Salaries and employee benefits | $577,000 | 7,808 |
| Premises and equipment expense | $127,000 | 7,789 |
| Additional noninterest expense | $300,000 | 7,802 |
| Pre-tax net operating income | $568,000 | 6,522 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $237,000 | 4,847 |
| Income before extraordinary items | $331,000 | 7,168 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $331,000 | 7,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,987 |
| Cash dividends | $143,000 | 5,265 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $331,000 | 7,064 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,587,000 | 7,654 |
| Total interest expense | $1,081,000 | 7,851 |
| Net interest income | $1,506,000 | 7,320 |
| Provision for loan and lease losses | $72,000 | 6,148 |
| Total noninterest income | $151,000 | 7,833 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $111,000 | 6,380 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $40,000 | 8,001 |
| Total noninterest expense | $1,012,000 | 7,926 |
| Salaries and employee benefits | $576,000 | 7,777 |
| Premises and equipment expense | $135,000 | 7,770 |
| Additional noninterest expense | $301,000 | 7,850 |
| Pre-tax net operating income | $573,000 | 6,266 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $232,000 | 4,735 |
| Income before extraordinary items | $341,000 | 6,879 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $341,000 | 6,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,996 |
| Cash dividends | $139,000 | 5,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $341,000 | 6,769 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,579,000 | 7,831 |
| Total interest expense | $1,133,000 | 7,943 |
| Net interest income | $1,446,000 | 7,552 |
| Provision for loan and lease losses | $33,000 | 7,143 |
| Total noninterest income | $136,000 | 8,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 6,681 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,092 |
| Total noninterest expense | $952,000 | 8,155 |
| Salaries and employee benefits | $537,000 | 8,048 |
| Premises and equipment expense | $133,000 | 7,865 |
| Additional noninterest expense | $282,000 | 8,088 |
| Pre-tax net operating income | $597,000 | 6,601 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $248,000 | 5,004 |
| Income before extraordinary items | $349,000 | 7,159 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $349,000 | 7,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $135,000 | 5,638 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $349,000 | 7,155 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,345,000 | 8,078 |
| Total interest expense | $979,000 | 8,226 |
| Net interest income | $1,366,000 | 7,846 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $119,000 | 8,544 |
| 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 | $40,000 | 8,414 |
| Total noninterest expense | $889,000 | 8,461 |
| Salaries and employee benefits | $502,000 | 8,333 |
| Premises and equipment expense | $127,000 | 8,090 |
| Additional noninterest expense | $260,000 | 8,465 |
| Pre-tax net operating income | $584,000 | 6,771 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $247,000 | 5,242 |
| Income before extraordinary items | $337,000 | 7,361 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $337,000 | 7,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,311 |
| Cash dividends | $116,000 | 5,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $337,000 | 7,333 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,398,000 | 8,214 |
| Total interest expense | $999,000 | 8,424 |
| Net interest income | $1,399,000 | 7,908 |
| Provision for loan and lease losses | $53,000 | 6,503 |
| Total noninterest income | $114,000 | 8,780 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,296 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,816 |
| Total noninterest expense | $861,000 | 8,566 |
| Salaries and employee benefits | $488,000 | 8,435 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $262,000 | 8,479 |
| Pre-tax net operating income | $599,000 | 6,926 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $239,000 | 5,749 |
| Income before extraordinary items | $360,000 | 7,481 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $360,000 | 7,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,552 |
| Cash dividends | $116,000 | 6,119 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $360,000 | 7,395 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,327,000 | 8,605 |
| Total interest expense | $1,004,000 | 8,683 |
| Net interest income | $1,323,000 | 8,417 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $123,000 | 9,012 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,910 |
| Total noninterest expense | $865,000 | 8,800 |
| Salaries and employee benefits | $482,000 | 8,738 |
| Premises and equipment expense | $120,000 | 8,493 |
| Additional noninterest expense | $263,000 | 8,699 |
| Pre-tax net operating income | $581,000 | 7,511 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $229,000 | 6,507 |
| Income before extraordinary items | $352,000 | 7,977 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $352,000 | 7,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $111,000 | 6,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $352,000 | 7,923 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 9,082 |
| Total interest expense | $933,000 | 9,228 |
| Net interest income | $1,279,000 | 8,822 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $127,000 | 9,407 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 7,800 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,363 |
| Total noninterest expense | $852,000 | 9,226 |
| Salaries and employee benefits | $485,000 | 8,993 |
| Premises and equipment expense | $111,000 | 8,998 |
| Additional noninterest expense | $256,000 | 9,326 |
| Pre-tax net operating income | $554,000 | 7,669 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $211,000 | 6,981 |
| Income before extraordinary items | $343,000 | 8,053 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $343,000 | 8,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $105,000 | 6,579 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $343,000 | 8,000 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,022,000 | 9,685 |
| Total interest expense | $841,000 | 9,820 |
| Net interest income | $1,181,000 | 9,392 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $156,000 | 9,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,198 |
| Total noninterest expense | $840,000 | 9,599 |
| Salaries and employee benefits | $458,000 | 9,471 |
| Premises and equipment expense | $99,000 | 9,652 |
| Additional noninterest expense | $283,000 | 9,437 |
| Pre-tax net operating income | $497,000 | 8,453 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $169,000 | 7,942 |
| Income before extraordinary items | $328,000 | 8,687 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $328,000 | 8,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,972 |
| Cash dividends | $98,000 | 6,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $328,000 | 8,651 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,813,000 | 10,145 |
| Total interest expense | $726,000 | 9,953 |
| Net interest income | $1,087,000 | 10,113 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $139,000 | 9,938 |
| 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 | $58,000 | 9,194 |
| Total noninterest expense | $866,000 | 9,924 |
| Salaries and employee benefits | $463,000 | 9,727 |
| Premises and equipment expense | $93,000 | 10,249 |
| Additional noninterest expense | $310,000 | 9,844 |
| Pre-tax net operating income | $360,000 | 9,666 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $99,000 | 9,383 |
| Income before extraordinary items | $261,000 | 9,576 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $261,000 | 9,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 11,294 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $261,000 | 9,632 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 10,857 |
| Total interest expense | $681,000 | 10,703 |
| Net interest income | $993,000 | 10,811 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $185,000 | 9,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 9,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 7,444 |
| Total noninterest expense | $816,000 | 10,585 |
| Salaries and employee benefits | $400,000 | 10,634 |
| Premises and equipment expense | $108,000 | 10,198 |
| Additional noninterest expense | $308,000 | 10,343 |
| Pre-tax net operating income | $362,000 | 9,710 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $4,000 | 11,985 |
| Income before extraordinary items | $358,000 | 8,850 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $358,000 | 9,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $90,000 | 7,115 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $358,000 | 8,596 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,678,000 | 11,559 |
| Total interest expense | $851,000 | 11,091 |
| Net interest income | $827,000 | 11,802 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $75,000 | 12,416 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 10,593 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 11,632 |
| Total noninterest expense | $738,000 | 11,317 |
| Salaries and employee benefits | $381,000 | 11,076 |
| Premises and equipment expense | $110,000 | 10,377 |
| Additional noninterest expense | $247,000 | 11,574 |
| Pre-tax net operating income | $164,000 | 11,387 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $45,000 | 11,390 |
| Income before extraordinary items | $119,000 | 11,692 |
| Extraordinary gains, net | $30,000 | 1,127 |
| Net income | $149,000 | 11,367 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 13,072 |
| Cash dividends | $83,000 | 6,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $119,000 | 11,373 |
* 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.