Home > The First National Bank of Fredericksburg > Income and Expense
The First National Bank of Fredericksburg, Income and Expense
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $5,577,000 | 3,008 |
| Total interest expense | $389,000 | 3,709 |
| Net interest income | $5,188,000 | 2,902 |
| Provision for loan and lease losses | $325,000 | 1,435 |
| Total noninterest income | $800,000 | 2,973 |
| Gross Fiduciary activities income | $77,000 | 817 |
| Service charges on deposit accounts | $119,000 | 4,109 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $604,000 | 2,659 |
| Total noninterest expense | $5,722,000 | 2,392 |
| Salaries and employee benefits | $2,595,000 | 2,765 |
| Premises and equipment expense | $777,000 | 2,153 |
| Additional noninterest expense | $2,350,000 | 1,908 |
| Pre-tax net operating income | $-59,000 | 6,008 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $-104,000 | 6,168 |
| Income before extraordinary items | $45,000 | 5,889 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $45,000 | 5,892 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $45,000 | 5,892 |
| Net charge-offs | $217,000 | 1,475 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $45,000 | 5,844 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 3,008 |
| Total interest expense | $265,000 | 3,696 |
| Net interest income | $3,451,000 | 2,907 |
| Provision for loan and lease losses | $125,000 | 1,961 |
| Total noninterest income | $534,000 | 2,973 |
| Gross Fiduciary activities income | $50,000 | 837 |
| Service charges on deposit accounts | $79,000 | 4,095 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $405,000 | 2,660 |
| Total noninterest expense | $3,628,000 | 2,518 |
| Salaries and employee benefits | $1,709,000 | 2,808 |
| Premises and equipment expense | $552,000 | 2,051 |
| Additional noninterest expense | $1,367,000 | 2,156 |
| Pre-tax net operating income | $232,000 | 5,116 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $30,000 | 3,682 |
| Income before extraordinary items | $202,000 | 5,110 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $202,000 | 5,112 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $202,000 | 5,114 |
| Net charge-offs | $55,000 | 2,233 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $202,000 | 5,064 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $1,845,000 | 3,035 |
| Total interest expense | $136,000 | 3,681 |
| Net interest income | $1,709,000 | 2,938 |
| Provision for loan and lease losses | $55,000 | 2,012 |
| Total noninterest income | $265,000 | 2,948 |
| Gross Fiduciary activities income | $28,000 | 833 |
| Service charges on deposit accounts | $41,000 | 4,018 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $196,000 | 2,662 |
| Total noninterest expense | $1,797,000 | 2,542 |
| Salaries and employee benefits | $861,000 | 2,816 |
| Premises and equipment expense | $269,000 | 2,125 |
| Additional noninterest expense | $667,000 | 2,192 |
| Pre-tax net operating income | $122,000 | 5,054 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $21,000 | 3,502 |
| Income before extraordinary items | $101,000 | 5,115 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $101,000 | 5,117 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $101,000 | 5,119 |
| Net charge-offs | $21,000 | 2,091 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $101,000 | 5,048 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $7,526,000 | 3,009 |
| Total interest expense | $576,000 | 3,724 |
| Net interest income | $6,950,000 | 2,911 |
| Provision for loan and lease losses | $212,000 | 2,400 |
| Total noninterest income | $1,150,000 | 2,893 |
| Gross Fiduciary activities income | $103,000 | 847 |
| Service charges on deposit accounts | $198,000 | 3,923 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $849,000 | 2,565 |
| Total noninterest expense | $7,560,000 | 2,424 |
| Salaries and employee benefits | $3,562,000 | 2,726 |
| Premises and equipment expense | $1,130,000 | 2,021 |
| Additional noninterest expense | $2,868,000 | 2,113 |
| Pre-tax net operating income | $328,000 | 5,423 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $27,000 | 3,928 |
| Income before extraordinary items | $301,000 | 5,404 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $301,000 | 5,402 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $301,000 | 5,403 |
| Net charge-offs | $202,000 | 2,446 |
| Cash dividends | $35,000 | 4,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $301,000 | 5,354 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $5,668,000 | 3,020 |
| Total interest expense | $434,000 | 3,770 |
| Net interest income | $5,234,000 | 2,926 |
| Provision for loan and lease losses | $200,000 | 2,067 |
| Total noninterest income | $839,000 | 2,962 |
| Gross Fiduciary activities income | $83,000 | 838 |
| Service charges on deposit accounts | $146,000 | 3,994 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $610,000 | 2,619 |
| Total noninterest expense | $5,572,000 | 2,477 |
| Salaries and employee benefits | $2,674,000 | 2,730 |
| Premises and equipment expense | $864,000 | 2,010 |
| Additional noninterest expense | $2,034,000 | 2,208 |
| Pre-tax net operating income | $301,000 | 5,336 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $9,000 | 4,218 |
| Income before extraordinary items | $292,000 | 5,263 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $292,000 | 5,263 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $292,000 | 5,265 |
| Net charge-offs | $135,000 | 2,396 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $292,000 | 5,221 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $3,745,000 | 3,050 |
| Total interest expense | $290,000 | 3,809 |
| Net interest income | $3,455,000 | 2,953 |
| Provision for loan and lease losses | $25,000 | 3,493 |
| Total noninterest income | $536,000 | 2,993 |
| Gross Fiduciary activities income | $45,000 | 871 |
| Service charges on deposit accounts | $94,000 | 4,049 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $397,000 | 2,632 |
| Total noninterest expense | $3,693,000 | 2,503 |
| Salaries and employee benefits | $1,775,000 | 2,753 |
| Premises and equipment expense | $588,000 | 1,981 |
| Additional noninterest expense | $1,330,000 | 2,237 |
| Pre-tax net operating income | $273,000 | 5,019 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $36,000 | 3,607 |
| Income before extraordinary items | $237,000 | 5,041 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $237,000 | 5,043 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $237,000 | 5,044 |
| Net charge-offs | $40,000 | 2,969 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $237,000 | 4,987 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,868,000 | 3,069 |
| Total interest expense | $148,000 | 3,816 |
| Net interest income | $1,720,000 | 2,971 |
| Provision for loan and lease losses | $10,000 | 3,356 |
| Total noninterest income | $262,000 | 2,991 |
| Gross Fiduciary activities income | $22,000 | 885 |
| Service charges on deposit accounts | $48,000 | 3,996 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $192,000 | 2,620 |
| Total noninterest expense | $1,844,000 | 2,515 |
| Salaries and employee benefits | $886,000 | 2,777 |
| Premises and equipment expense | $297,000 | 1,999 |
| Additional noninterest expense | $661,000 | 2,265 |
| Pre-tax net operating income | $128,000 | 5,035 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $16,000 | 3,623 |
| Income before extraordinary items | $112,000 | 5,023 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 5,026 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $112,000 | 5,025 |
| Net charge-offs | $-2,000 | 5,011 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $112,000 | 4,980 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $7,480,000 | 3,090 |
| Total interest expense | $645,000 | 3,930 |
| Net interest income | $6,835,000 | 2,957 |
| Provision for loan and lease losses | $174,000 | 3,133 |
| Total noninterest income | $1,201,000 | 2,911 |
| Gross Fiduciary activities income | $91,000 | 877 |
| Service charges on deposit accounts | $221,000 | 3,936 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $889,000 | 2,525 |
| Total noninterest expense | $7,576,000 | 2,461 |
| Salaries and employee benefits | $3,601,000 | 2,729 |
| Premises and equipment expense | $1,201,000 | 1,911 |
| Additional noninterest expense | $2,774,000 | 2,253 |
| Pre-tax net operating income | $286,000 | 5,530 |
| Securities gains (losses) | $129,000 | 1,159 |
| Applicable income taxes | $61,000 | 3,681 |
| Income before extraordinary items | $354,000 | 5,274 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $354,000 | 5,278 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $354,000 | 5,278 |
| Net charge-offs | $269,000 | 2,696 |
| Cash dividends | $37,000 | 4,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $244,350 | 5,532 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $5,648,000 | 3,103 |
| Total interest expense | $488,000 | 4,000 |
| Net interest income | $5,160,000 | 2,963 |
| Provision for loan and lease losses | $70,000 | 3,713 |
| Total noninterest income | $816,000 | 3,100 |
| Gross Fiduciary activities income | $69,000 | 870 |
| Service charges on deposit accounts | $165,000 | 3,976 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $582,000 | 2,791 |
| Total noninterest expense | $5,637,000 | 2,476 |
| Salaries and employee benefits | $2,794,000 | 2,647 |
| Premises and equipment expense | $899,000 | 1,931 |
| Additional noninterest expense | $1,944,000 | 2,363 |
| Pre-tax net operating income | $269,000 | 5,456 |
| Securities gains (losses) | $92,000 | 1,284 |
| Applicable income taxes | $63,000 | 3,596 |
| Income before extraordinary items | $298,000 | 5,273 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $298,000 | 5,274 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $298,000 | 5,275 |
| Net charge-offs | $196,000 | 2,595 |
| Cash dividends | $37,000 | 3,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $221,640 | 5,491 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,783,000 | 3,102 |
| Total interest expense | $330,000 | 4,033 |
| Net interest income | $3,453,000 | 2,953 |
| Provision for loan and lease losses | $70,000 | 3,283 |
| Total noninterest income | $541,000 | 3,158 |
| Gross Fiduciary activities income | $47,000 | 882 |
| Service charges on deposit accounts | $106,000 | 4,008 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $388,000 | 2,842 |
| Total noninterest expense | $3,769,000 | 2,466 |
| Salaries and employee benefits | $1,877,000 | 2,645 |
| Premises and equipment expense | $616,000 | 1,882 |
| Additional noninterest expense | $1,276,000 | 2,396 |
| Pre-tax net operating income | $155,000 | 5,575 |
| Securities gains (losses) | $92,000 | 1,164 |
| Applicable income taxes | $61,000 | 3,383 |
| Income before extraordinary items | $186,000 | 5,351 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $186,000 | 5,354 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $186,000 | 5,354 |
| Net charge-offs | $123,000 | 2,548 |
| Cash dividends | $37,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $117,000 | 5,650 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,889,000 | 3,122 |
| Total interest expense | $168,000 | 4,075 |
| Net interest income | $1,721,000 | 2,958 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $261,000 | 3,210 |
| Gross Fiduciary activities income | $22,000 | 898 |
| Service charges on deposit accounts | $51,000 | 4,059 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $188,000 | 2,864 |
| Total noninterest expense | $1,880,000 | 2,499 |
| Salaries and employee benefits | $947,000 | 2,641 |
| Premises and equipment expense | $308,000 | 1,920 |
| Additional noninterest expense | $625,000 | 2,452 |
| Pre-tax net operating income | $102,000 | 5,300 |
| Securities gains (losses) | $9,000 | 1,515 |
| Applicable income taxes | $19,000 | 3,634 |
| Income before extraordinary items | $92,000 | 5,338 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $92,000 | 5,340 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $92,000 | 5,340 |
| Net charge-offs | $69,000 | 2,178 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $84,530 | 5,334 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,971,000 | 3,117 |
| Total interest expense | $736,000 | 4,288 |
| Net interest income | $7,235,000 | 2,907 |
| Provision for loan and lease losses | $50,000 | 5,179 |
| Total noninterest income | $1,179,000 | 2,992 |
| Gross Fiduciary activities income | $89,000 | 900 |
| Service charges on deposit accounts | $238,000 | 3,953 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $852,000 | 2,592 |
| Total noninterest expense | $7,598,000 | 2,476 |
| Salaries and employee benefits | $3,772,000 | 2,590 |
| Premises and equipment expense | $1,202,000 | 1,936 |
| Additional noninterest expense | $2,624,000 | 2,461 |
| Pre-tax net operating income | $766,000 | 4,391 |
| Securities gains (losses) | $106,000 | 2,225 |
| Applicable income taxes | $180,000 | 3,088 |
| Income before extraordinary items | $692,000 | 4,499 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $692,000 | 4,496 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $692,000 | 4,498 |
| Net charge-offs | $109,000 | 4,355 |
| Cash dividends | $143,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $608,260 | 4,500 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,000,000 | 3,171 |
| Total interest expense | $555,000 | 4,408 |
| Net interest income | $5,445,000 | 2,937 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $767,000 | 3,236 |
| Gross Fiduciary activities income | $67,000 | 888 |
| Service charges on deposit accounts | $176,000 | 4,029 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $524,000 | 2,876 |
| Total noninterest expense | $5,577,000 | 2,532 |
| Salaries and employee benefits | $2,795,000 | 2,637 |
| Premises and equipment expense | $883,000 | 2,002 |
| Additional noninterest expense | $1,899,000 | 2,544 |
| Pre-tax net operating income | $635,000 | 4,372 |
| Securities gains (losses) | $41,000 | 2,548 |
| Applicable income taxes | $145,000 | 3,096 |
| Income before extraordinary items | $531,000 | 4,571 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $531,000 | 4,570 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $531,000 | 4,569 |
| Net charge-offs | $41,000 | 4,650 |
| Cash dividends | $71,000 | 3,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $498,610 | 4,472 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,940,000 | 3,228 |
| Total interest expense | $372,000 | 4,494 |
| Net interest income | $3,568,000 | 2,999 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $531,000 | 3,127 |
| Gross Fiduciary activities income | $45,000 | 906 |
| Service charges on deposit accounts | $117,000 | 4,012 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $369,000 | 2,759 |
| Total noninterest expense | $3,718,000 | 2,536 |
| Salaries and employee benefits | $1,867,000 | 2,647 |
| Premises and equipment expense | $581,000 | 2,017 |
| Additional noninterest expense | $1,270,000 | 2,544 |
| Pre-tax net operating income | $381,000 | 4,529 |
| Securities gains (losses) | $41,000 | 2,175 |
| Applicable income taxes | $75,000 | 3,281 |
| Income before extraordinary items | $347,000 | 4,596 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $347,000 | 4,598 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $347,000 | 4,598 |
| Net charge-offs | $33,000 | 4,339 |
| Cash dividends | $71,000 | 3,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $313,380 | 4,562 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,954,000 | 3,278 |
| Total interest expense | $186,000 | 4,615 |
| Net interest income | $1,768,000 | 3,039 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $270,000 | 3,119 |
| Gross Fiduciary activities income | $22,000 | 911 |
| Service charges on deposit accounts | $61,000 | 3,920 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $187,000 | 2,753 |
| Total noninterest expense | $1,825,000 | 2,571 |
| Salaries and employee benefits | $936,000 | 2,648 |
| Premises and equipment expense | $299,000 | 1,982 |
| Additional noninterest expense | $590,000 | 2,697 |
| Pre-tax net operating income | $213,000 | 4,423 |
| Securities gains (losses) | $-2,000 | 6,941 |
| Applicable income taxes | $37,000 | 3,289 |
| Income before extraordinary items | $174,000 | 4,601 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $174,000 | 4,604 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $174,000 | 4,604 |
| Net charge-offs | $4,000 | 4,348 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $175,640 | 4,460 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,053,000 | 3,316 |
| Total interest expense | $779,000 | 4,972 |
| Net interest income | $7,274,000 | 2,970 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $1,134,000 | 2,907 |
| Gross Fiduciary activities income | $91,000 | 853 |
| Service charges on deposit accounts | $251,000 | 3,949 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $792,000 | 2,465 |
| Total noninterest expense | $7,536,000 | 2,505 |
| Salaries and employee benefits | $3,538,000 | 2,726 |
| Premises and equipment expense | $1,259,000 | 1,966 |
| Additional noninterest expense | $2,739,000 | 2,398 |
| Pre-tax net operating income | $872,000 | 3,973 |
| Securities gains (losses) | $114,000 | 1,957 |
| Applicable income taxes | $172,000 | 3,023 |
| Income before extraordinary items | $814,000 | 3,916 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $814,000 | 3,921 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $814,000 | 3,920 |
| Net charge-offs | $173,000 | 4,475 |
| Cash dividends | $143,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $719,380 | 3,977 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,059,000 | 3,342 |
| Total interest expense | $588,000 | 5,088 |
| Net interest income | $5,471,000 | 2,973 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $802,000 | 3,004 |
| Gross Fiduciary activities income | $69,000 | 837 |
| Service charges on deposit accounts | $188,000 | 3,967 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $545,000 | 2,572 |
| Total noninterest expense | $5,688,000 | 2,487 |
| Salaries and employee benefits | $2,744,000 | 2,631 |
| Premises and equipment expense | $942,000 | 1,995 |
| Additional noninterest expense | $2,002,000 | 2,462 |
| Pre-tax net operating income | $585,000 | 4,254 |
| Securities gains (losses) | $114,000 | 1,668 |
| Applicable income taxes | $135,000 | 2,985 |
| Income before extraordinary items | $564,000 | 4,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $564,000 | 4,127 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $564,000 | 4,127 |
| Net charge-offs | $31,000 | 5,295 |
| Cash dividends | $71,000 | 3,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $471,660 | 4,288 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,075,000 | 3,338 |
| Total interest expense | $395,000 | 5,172 |
| Net interest income | $3,680,000 | 2,952 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $529,000 | 3,013 |
| Gross Fiduciary activities income | $47,000 | 857 |
| Service charges on deposit accounts | $120,000 | 4,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $362,000 | 2,583 |
| Total noninterest expense | $3,718,000 | 2,555 |
| Salaries and employee benefits | $1,830,000 | 2,637 |
| Premises and equipment expense | $635,000 | 1,987 |
| Additional noninterest expense | $1,253,000 | 2,640 |
| Pre-tax net operating income | $491,000 | 3,854 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $102,000 | 2,854 |
| Income before extraordinary items | $389,000 | 4,029 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $389,000 | 4,029 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $389,000 | 4,031 |
| Net charge-offs | $31,000 | 4,801 |
| Cash dividends | $74,000 | 2,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $389,000 | 3,935 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,052,000 | 3,339 |
| Total interest expense | $198,000 | 5,263 |
| Net interest income | $1,854,000 | 2,915 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $262,000 | 3,067 |
| Gross Fiduciary activities income | $24,000 | 859 |
| Service charges on deposit accounts | $61,000 | 3,971 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $177,000 | 2,640 |
| Total noninterest expense | $1,876,000 | 2,548 |
| Salaries and employee benefits | $915,000 | 2,651 |
| Premises and equipment expense | $336,000 | 1,925 |
| Additional noninterest expense | $625,000 | 2,635 |
| Pre-tax net operating income | $240,000 | 3,909 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $50,000 | 2,820 |
| Income before extraordinary items | $190,000 | 4,073 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $190,000 | 4,072 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $190,000 | 4,073 |
| Net charge-offs | $10,000 | 4,385 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $190,000 | 4,015 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,397,000 | 3,107 |
| Total interest expense | $888,000 | 5,488 |
| Net interest income | $8,509,000 | 2,577 |
| Provision for loan and lease losses | $810,000 | 3,386 |
| Total noninterest income | $1,236,000 | 2,863 |
| Gross Fiduciary activities income | $100,000 | 873 |
| Service charges on deposit accounts | $265,000 | 3,883 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $871,000 | 2,383 |
| Total noninterest expense | $7,927,000 | 2,436 |
| Salaries and employee benefits | $3,757,000 | 2,551 |
| Premises and equipment expense | $1,352,000 | 1,891 |
| Additional noninterest expense | $2,818,000 | 2,403 |
| Pre-tax net operating income | $1,008,000 | 3,359 |
| Securities gains (losses) | $-6,000 | 6,994 |
| Applicable income taxes | $186,000 | 2,777 |
| Income before extraordinary items | $816,000 | 3,572 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $816,000 | 3,569 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $816,000 | 3,572 |
| Net charge-offs | $310,000 | 4,254 |
| Cash dividends | $71,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 970 |
| Net operating income | $820,860 | 3,450 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,088,000 | 3,157 |
| Total interest expense | $687,000 | 5,580 |
| Net interest income | $6,401,000 | 2,596 |
| Provision for loan and lease losses | $495,000 | 3,554 |
| Total noninterest income | $821,000 | 3,107 |
| Gross Fiduciary activities income | $75,000 | 861 |
| Service charges on deposit accounts | $196,000 | 3,990 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $550,000 | 2,601 |
| Total noninterest expense | $5,840,000 | 2,480 |
| Salaries and employee benefits | $2,904,000 | 2,494 |
| Premises and equipment expense | $1,017,000 | 1,913 |
| Additional noninterest expense | $1,919,000 | 2,571 |
| Pre-tax net operating income | $887,000 | 3,300 |
| Securities gains (losses) | $-6,000 | 7,171 |
| Applicable income taxes | $185,000 | 2,633 |
| Income before extraordinary items | $696,000 | 3,519 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $696,000 | 3,517 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $696,000 | 3,519 |
| Net charge-offs | $81,000 | 5,118 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 842 |
| Net operating income | $700,740 | 3,379 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,752,000 | 3,171 |
| Total interest expense | $449,000 | 5,727 |
| Net interest income | $4,303,000 | 2,572 |
| Provision for loan and lease losses | $445,000 | 3,043 |
| Total noninterest income | $532,000 | 3,101 |
| Gross Fiduciary activities income | $50,000 | 873 |
| Service charges on deposit accounts | $129,000 | 4,009 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $353,000 | 2,590 |
| Total noninterest expense | $3,889,000 | 2,487 |
| Salaries and employee benefits | $1,935,000 | 2,521 |
| Premises and equipment expense | $654,000 | 1,988 |
| Additional noninterest expense | $1,300,000 | 2,542 |
| Pre-tax net operating income | $501,000 | 3,624 |
| Securities gains (losses) | $-6,000 | 7,275 |
| Applicable income taxes | $91,000 | 2,862 |
| Income before extraordinary items | $404,000 | 3,766 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $404,000 | 3,764 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $404,000 | 3,765 |
| Net charge-offs | $38,000 | 5,106 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 697 |
| Net operating income | $408,920 | 3,645 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,327,000 | 3,283 |
| Total interest expense | $248,000 | 5,610 |
| Net interest income | $2,079,000 | 2,677 |
| Provision for loan and lease losses | $425,000 | 1,997 |
| Total noninterest income | $257,000 | 3,169 |
| Gross Fiduciary activities income | $25,000 | 880 |
| Service charges on deposit accounts | $66,000 | 3,954 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $166,000 | 2,669 |
| Total noninterest expense | $1,911,000 | 2,560 |
| Salaries and employee benefits | $969,000 | 2,539 |
| Premises and equipment expense | $324,000 | 2,063 |
| Additional noninterest expense | $618,000 | 2,636 |
| Pre-tax net operating income | $0 | 6,250 |
| Securities gains (losses) | $-6,000 | 7,459 |
| Applicable income taxes | $-44,000 | 7,303 |
| Income before extraordinary items | $38,000 | 5,870 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $38,000 | 5,871 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $38,000 | 5,870 |
| Net charge-offs | $25,000 | 4,275 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 442 |
| Net operating income | $41,840 | 5,719 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,406,000 | 3,383 |
| Total interest expense | $1,205,000 | 5,661 |
| Net interest income | $8,201,000 | 2,663 |
| Provision for loan and lease losses | $850,000 | 3,761 |
| Total noninterest income | $1,153,000 | 3,059 |
| Gross Fiduciary activities income | $107,000 | 862 |
| Service charges on deposit accounts | $295,000 | 3,899 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $751,000 | 2,557 |
| Total noninterest expense | $8,004,000 | 2,463 |
| Salaries and employee benefits | $3,928,000 | 2,488 |
| Premises and equipment expense | $1,396,000 | 1,924 |
| Additional noninterest expense | $2,680,000 | 2,587 |
| Pre-tax net operating income | $500,000 | 4,000 |
| Securities gains (losses) | $7,000 | 3,362 |
| Applicable income taxes | $76,000 | 3,027 |
| Income before extraordinary items | $431,000 | 4,074 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $431,000 | 4,073 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $431,000 | 4,073 |
| Net charge-offs | $781,000 | 3,210 |
| Cash dividends | $426,000 | 2,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $425,050 | 4,027 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,944,000 | 3,475 |
| Total interest expense | $916,000 | 5,765 |
| Net interest income | $6,028,000 | 2,716 |
| Provision for loan and lease losses | $420,000 | 4,104 |
| Total noninterest income | $818,000 | 3,214 |
| Gross Fiduciary activities income | $83,000 | 843 |
| Service charges on deposit accounts | $217,000 | 3,954 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $518,000 | 2,752 |
| Total noninterest expense | $5,705,000 | 2,600 |
| Salaries and employee benefits | $2,875,000 | 2,565 |
| Premises and equipment expense | $1,010,000 | 2,006 |
| Additional noninterest expense | $1,820,000 | 2,785 |
| Pre-tax net operating income | $721,000 | 3,278 |
| Securities gains (losses) | $7,000 | 3,075 |
| Applicable income taxes | $123,000 | 2,729 |
| Income before extraordinary items | $605,000 | 3,379 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $605,000 | 3,377 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $605,000 | 3,379 |
| Net charge-offs | $160,000 | 4,531 |
| Cash dividends | $214,000 | 3,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $599,190 | 3,298 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,577,000 | 3,541 |
| Total interest expense | $605,000 | 5,898 |
| Net interest income | $3,972,000 | 2,739 |
| Provision for loan and lease losses | $100,000 | 5,300 |
| Total noninterest income | $553,000 | 3,190 |
| Gross Fiduciary activities income | $57,000 | 846 |
| Service charges on deposit accounts | $144,000 | 3,944 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $352,000 | 2,730 |
| Total noninterest expense | $3,701,000 | 2,695 |
| Salaries and employee benefits | $1,905,000 | 2,613 |
| Premises and equipment expense | $656,000 | 2,088 |
| Additional noninterest expense | $1,140,000 | 2,956 |
| Pre-tax net operating income | $724,000 | 2,706 |
| Securities gains (losses) | $7,000 | 2,683 |
| Applicable income taxes | $169,000 | 2,141 |
| Income before extraordinary items | $562,000 | 2,880 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $562,000 | 2,878 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $562,000 | 2,880 |
| Net charge-offs | $99,000 | 4,256 |
| Cash dividends | $214,000 | 2,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $556,610 | 2,796 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,275,000 | 3,594 |
| Total interest expense | $307,000 | 5,961 |
| Net interest income | $1,968,000 | 2,751 |
| Provision for loan and lease losses | $55,000 | 4,803 |
| Total noninterest income | $273,000 | 3,193 |
| Gross Fiduciary activities income | $28,000 | 866 |
| Service charges on deposit accounts | $73,000 | 3,879 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $172,000 | 2,722 |
| Total noninterest expense | $1,808,000 | 2,664 |
| Salaries and employee benefits | $949,000 | 2,666 |
| Premises and equipment expense | $300,000 | 2,298 |
| Additional noninterest expense | $559,000 | 2,726 |
| Pre-tax net operating income | $378,000 | 2,917 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $92,000 | 2,262 |
| Income before extraordinary items | $286,000 | 3,214 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $286,000 | 3,214 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $286,000 | 3,214 |
| Net charge-offs | $50,000 | 3,538 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $286,000 | 3,064 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,493,000 | 3,669 |
| Total interest expense | $2,514,000 | 4,731 |
| Net interest income | $6,979,000 | 3,061 |
| Provision for loan and lease losses | $210,000 | 5,144 |
| Total noninterest income | $1,181,000 | 3,066 |
| Gross Fiduciary activities income | $128,000 | 854 |
| Service charges on deposit accounts | $312,000 | 3,949 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $741,000 | 2,553 |
| Total noninterest expense | $7,110,000 | 2,647 |
| Salaries and employee benefits | $3,691,000 | 2,692 |
| Premises and equipment expense | $1,239,000 | 2,177 |
| Additional noninterest expense | $2,180,000 | 2,644 |
| Pre-tax net operating income | $840,000 | 4,080 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $150,000 | 3,067 |
| Income before extraordinary items | $691,000 | 3,961 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $691,000 | 3,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 5,038 |
| Cash dividends | $474,000 | 3,457 |
| Sale, conversion, retirement of capital stock, net | $-120,000 | 8,237 |
| Net operating income | $690,180 | 4,105 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,130,000 | 3,724 |
| Total interest expense | $2,049,000 | 4,629 |
| Net interest income | $5,081,000 | 3,159 |
| Provision for loan and lease losses | $10,000 | 6,725 |
| Total noninterest income | $853,000 | 3,208 |
| Gross Fiduciary activities income | $98,000 | 849 |
| Service charges on deposit accounts | $227,000 | 4,023 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $528,000 | 2,729 |
| Total noninterest expense | $5,059,000 | 2,756 |
| Salaries and employee benefits | $2,572,000 | 2,903 |
| Premises and equipment expense | $920,000 | 2,201 |
| Additional noninterest expense | $1,567,000 | 2,665 |
| Pre-tax net operating income | $865,000 | 3,952 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $185,000 | 2,998 |
| Income before extraordinary items | $681,000 | 3,873 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $681,000 | 3,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,531 |
| Cash dividends | $263,000 | 3,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $680,210 | 4,027 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,743,000 | 3,773 |
| Total interest expense | $1,432,000 | 4,642 |
| Net interest income | $3,311,000 | 3,226 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $565,000 | 3,258 |
| Gross Fiduciary activities income | $67,000 | 863 |
| Service charges on deposit accounts | $139,000 | 4,184 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $359,000 | 2,741 |
| Total noninterest expense | $3,330,000 | 2,794 |
| Salaries and employee benefits | $1,711,000 | 2,940 |
| Premises and equipment expense | $611,000 | 2,217 |
| Additional noninterest expense | $1,008,000 | 2,723 |
| Pre-tax net operating income | $546,000 | 4,218 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $119,000 | 3,271 |
| Income before extraordinary items | $428,000 | 4,337 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $428,000 | 4,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,962 |
| Cash dividends | $263,000 | 3,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $427,220 | 4,275 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,352,000 | 3,876 |
| Total interest expense | $741,000 | 4,729 |
| Net interest income | $1,611,000 | 3,304 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $266,000 | 3,382 |
| Gross Fiduciary activities income | $34,000 | 874 |
| Service charges on deposit accounts | $65,000 | 4,287 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $167,000 | 2,856 |
| Total noninterest expense | $1,644,000 | 2,812 |
| Salaries and employee benefits | $832,000 | 3,059 |
| Premises and equipment expense | $321,000 | 2,121 |
| Additional noninterest expense | $491,000 | 2,764 |
| Pre-tax net operating income | $233,000 | 4,674 |
| Securities gains (losses) | $4,000 | 2,294 |
| Applicable income taxes | $51,000 | 3,537 |
| Income before extraordinary items | $186,000 | 4,803 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $186,000 | 4,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,520 |
| Cash dividends | $50,000 | 3,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $182,880 | 4,736 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,146,000 | 3,741 |
| Total interest expense | $3,418,000 | 4,405 |
| Net interest income | $6,728,000 | 3,201 |
| Provision for loan and lease losses | $170,000 | 4,146 |
| Total noninterest income | $1,424,000 | 2,806 |
| Gross Fiduciary activities income | $149,000 | 850 |
| Service charges on deposit accounts | $274,000 | 4,278 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,001,000 | 2,216 |
| Total noninterest expense | $6,498,000 | 2,751 |
| Salaries and employee benefits | $3,329,000 | 2,952 |
| Premises and equipment expense | $1,196,000 | 2,170 |
| Additional noninterest expense | $1,973,000 | 2,697 |
| Pre-tax net operating income | $1,484,000 | 3,922 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $413,000 | 2,984 |
| Income before extraordinary items | $1,070,000 | 4,168 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,070,000 | 4,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,470 |
| Cash dividends | $470,000 | 3,817 |
| Sale, conversion, retirement of capital stock, net | $-307,000 | 8,466 |
| Net operating income | $1,070,720 | 4,156 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,655,000 | 3,736 |
| Total interest expense | $2,566,000 | 4,405 |
| Net interest income | $5,089,000 | 3,185 |
| Provision for loan and lease losses | $70,000 | 4,664 |
| Total noninterest income | $956,000 | 3,010 |
| Gross Fiduciary activities income | $99,000 | 871 |
| Service charges on deposit accounts | $221,000 | 4,119 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $636,000 | 2,475 |
| Total noninterest expense | $4,638,000 | 2,862 |
| Salaries and employee benefits | $2,348,000 | 3,096 |
| Premises and equipment expense | $889,000 | 2,172 |
| Additional noninterest expense | $1,401,000 | 2,772 |
| Pre-tax net operating income | $1,337,000 | 3,721 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $374,000 | 2,896 |
| Income before extraordinary items | $963,000 | 3,979 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $963,000 | 3,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 2,883 |
| Cash dividends | $463,000 | 3,030 |
| Sale, conversion, retirement of capital stock, net | $-103,000 | 8,491 |
| Net operating income | $963,000 | 3,960 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,033,000 | 3,770 |
| Total interest expense | $1,672,000 | 4,472 |
| Net interest income | $3,361,000 | 3,228 |
| Provision for loan and lease losses | $70,000 | 3,835 |
| Total noninterest income | $713,000 | 2,793 |
| Gross Fiduciary activities income | $67,000 | 882 |
| Service charges on deposit accounts | $140,000 | 4,239 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $506,000 | 2,227 |
| Total noninterest expense | $3,052,000 | 2,932 |
| Salaries and employee benefits | $1,583,000 | 3,102 |
| Premises and equipment expense | $589,000 | 2,188 |
| Additional noninterest expense | $880,000 | 2,938 |
| Pre-tax net operating income | $952,000 | 3,643 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $273,000 | 2,841 |
| Income before extraordinary items | $679,000 | 3,890 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $679,000 | 3,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,302 |
| Cash dividends | $463,000 | 2,541 |
| Sale, conversion, retirement of capital stock, net | $-103,000 | 8,559 |
| Net operating income | $679,000 | 3,882 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,433,000 | 3,856 |
| Total interest expense | $792,000 | 4,595 |
| Net interest income | $1,641,000 | 3,296 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $233,000 | 3,699 |
| Gross Fiduciary activities income | $30,000 | 910 |
| Service charges on deposit accounts | $62,000 | 4,457 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $141,000 | 3,128 |
| Total noninterest expense | $1,539,000 | 2,916 |
| Salaries and employee benefits | $779,000 | 3,157 |
| Premises and equipment expense | $305,000 | 2,143 |
| Additional noninterest expense | $455,000 | 2,826 |
| Pre-tax net operating income | $330,000 | 4,435 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $94,000 | 3,352 |
| Income before extraordinary items | $236,000 | 4,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $236,000 | 4,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $47,000 | 3,634 |
| Sale, conversion, retirement of capital stock, net | $-103,000 | 8,605 |
| Net operating income | $236,000 | 4,677 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,214,000 | 3,800 |
| Total interest expense | $2,686,000 | 4,607 |
| Net interest income | $6,528,000 | 3,300 |
| Provision for loan and lease losses | $70,000 | 5,172 |
| Total noninterest income | $893,000 | 3,789 |
| Gross Fiduciary activities income | $143,000 | 877 |
| Service charges on deposit accounts | $281,000 | 4,252 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $469,000 | 3,453 |
| Total noninterest expense | $5,948,000 | 2,887 |
| Salaries and employee benefits | $3,155,000 | 2,992 |
| Premises and equipment expense | $1,265,000 | 1,986 |
| Additional noninterest expense | $1,528,000 | 3,248 |
| Pre-tax net operating income | $1,403,000 | 4,447 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $398,000 | 3,439 |
| Income before extraordinary items | $1,005,000 | 4,703 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,005,000 | 4,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,801 |
| Cash dividends | $472,000 | 3,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,005,000 | 4,701 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,722,000 | 3,846 |
| Total interest expense | $1,940,000 | 4,637 |
| Net interest income | $4,782,000 | 3,386 |
| Provision for loan and lease losses | $55,000 | 4,965 |
| Total noninterest income | $773,000 | 3,472 |
| Gross Fiduciary activities income | $114,000 | 856 |
| Service charges on deposit accounts | $206,000 | 4,335 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $453,000 | 3,007 |
| Total noninterest expense | $4,327,000 | 2,962 |
| Salaries and employee benefits | $2,190,000 | 3,206 |
| Premises and equipment expense | $885,000 | 2,115 |
| Additional noninterest expense | $1,252,000 | 3,007 |
| Pre-tax net operating income | $1,173,000 | 4,352 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $335,000 | 3,437 |
| Income before extraordinary items | $838,000 | 4,591 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $838,000 | 4,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,367 |
| Cash dividends | $261,000 | 3,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $838,000 | 4,582 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,408,000 | 3,854 |
| Total interest expense | $1,262,000 | 4,567 |
| Net interest income | $3,146,000 | 3,432 |
| Provision for loan and lease losses | $35,000 | 4,878 |
| Total noninterest income | $486,000 | 3,597 |
| Gross Fiduciary activities income | $68,000 | 885 |
| Service charges on deposit accounts | $132,000 | 4,392 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $286,000 | 3,107 |
| Total noninterest expense | $2,867,000 | 2,999 |
| Salaries and employee benefits | $1,459,000 | 3,210 |
| Premises and equipment expense | $596,000 | 2,093 |
| Additional noninterest expense | $812,000 | 3,095 |
| Pre-tax net operating income | $730,000 | 4,538 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $208,000 | 3,564 |
| Income before extraordinary items | $522,000 | 4,776 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $522,000 | 4,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $261,000 | 3,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $522,000 | 4,765 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 3,904 |
| Total interest expense | $604,000 | 4,558 |
| Net interest income | $1,511,000 | 3,519 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $256,000 | 3,405 |
| Gross Fiduciary activities income | $26,000 | 942 |
| Service charges on deposit accounts | $97,000 | 3,541 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,200 |
| Total noninterest expense | $1,417,000 | 3,029 |
| Salaries and employee benefits | $732,000 | 3,211 |
| Premises and equipment expense | $290,000 | 2,161 |
| Additional noninterest expense | $395,000 | 3,166 |
| Pre-tax net operating income | $330,000 | 4,730 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $94,000 | 3,673 |
| Income before extraordinary items | $236,000 | 4,966 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $236,000 | 4,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $49,000 | 3,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $236,000 | 4,948 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,619,000 | 3,892 |
| Total interest expense | $1,445,000 | 5,320 |
| Net interest income | $6,174,000 | 3,347 |
| Provision for loan and lease losses | $11,000 | 6,790 |
| Total noninterest income | $885,000 | 3,839 |
| Gross Fiduciary activities income | $100,000 | 941 |
| Service charges on deposit accounts | $295,000 | 4,221 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $490,000 | 3,405 |
| Total noninterest expense | $5,785,000 | 2,838 |
| Salaries and employee benefits | $2,964,000 | 2,998 |
| Premises and equipment expense | $1,173,000 | 2,035 |
| Additional noninterest expense | $1,648,000 | 3,003 |
| Pre-tax net operating income | $1,263,000 | 4,793 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $350,000 | 3,910 |
| Income before extraordinary items | $913,000 | 5,045 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $913,000 | 5,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,038 |
| Cash dividends | $463,000 | 3,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $913,000 | 5,010 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,564,000 | 3,926 |
| Total interest expense | $949,000 | 5,583 |
| Net interest income | $4,615,000 | 3,344 |
| Provision for loan and lease losses | $11,000 | 6,464 |
| Total noninterest income | $729,000 | 3,646 |
| Gross Fiduciary activities income | $76,000 | 928 |
| Service charges on deposit accounts | $217,000 | 4,286 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $436,000 | 3,123 |
| Total noninterest expense | $4,158,000 | 2,920 |
| Salaries and employee benefits | $2,026,000 | 3,234 |
| Premises and equipment expense | $817,000 | 2,188 |
| Additional noninterest expense | $1,315,000 | 2,799 |
| Pre-tax net operating income | $1,175,000 | 4,350 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $340,000 | 3,569 |
| Income before extraordinary items | $835,000 | 4,645 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $835,000 | 4,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,742 |
| Cash dividends | $256,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $835,000 | 4,607 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,625,000 | 3,929 |
| Total interest expense | $564,000 | 5,731 |
| Net interest income | $3,061,000 | 3,349 |
| Provision for loan and lease losses | $6,000 | 6,298 |
| Total noninterest income | $490,000 | 3,578 |
| Gross Fiduciary activities income | $52,000 | 932 |
| Service charges on deposit accounts | $140,000 | 4,312 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $298,000 | 3,065 |
| Total noninterest expense | $2,771,000 | 2,914 |
| Salaries and employee benefits | $1,405,000 | 3,103 |
| Premises and equipment expense | $554,000 | 2,138 |
| Additional noninterest expense | $812,000 | 2,984 |
| Pre-tax net operating income | $774,000 | 4,353 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $225,000 | 3,582 |
| Income before extraordinary items | $549,000 | 4,651 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $549,000 | 4,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,599 |
| Cash dividends | $256,000 | 3,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $549,000 | 4,605 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 3,942 |
| Total interest expense | $257,000 | 5,891 |
| Net interest income | $1,529,000 | 3,357 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $215,000 | 3,796 |
| Gross Fiduciary activities income | $22,000 | 967 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $128,000 | 3,283 |
| Total noninterest expense | $1,342,000 | 3,001 |
| Salaries and employee benefits | $674,000 | 3,226 |
| Premises and equipment expense | $277,000 | 2,154 |
| Additional noninterest expense | $391,000 | 3,078 |
| Pre-tax net operating income | $402,000 | 4,263 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $120,000 | 3,471 |
| Income before extraordinary items | $282,000 | 4,541 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $282,000 | 4,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $49,000 | 3,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $282,000 | 4,498 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,717,000 | 3,935 |
| Total interest expense | $994,000 | 5,671 |
| Net interest income | $5,723,000 | 3,415 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $989,000 | 3,584 |
| Gross Fiduciary activities income | $94,000 | 948 |
| Service charges on deposit accounts | $303,000 | 4,287 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $592,000 | 3,014 |
| Total noninterest expense | $5,588,000 | 2,823 |
| Salaries and employee benefits | $2,850,000 | 2,972 |
| Premises and equipment expense | $1,152,000 | 2,000 |
| Additional noninterest expense | $1,586,000 | 2,993 |
| Pre-tax net operating income | $1,064,000 | 5,080 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $280,000 | 4,284 |
| Income before extraordinary items | $784,000 | 5,304 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $784,000 | 5,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 4,591 |
| Cash dividends | $408,000 | 3,860 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $784,000 | 5,233 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,896,000 | 3,995 |
| Total interest expense | $744,000 | 5,651 |
| Net interest income | $4,152,000 | 3,490 |
| Provision for loan and lease losses | $40,000 | 5,698 |
| Total noninterest income | $813,000 | 3,364 |
| Gross Fiduciary activities income | $66,000 | 968 |
| Service charges on deposit accounts | $215,000 | 4,451 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $532,000 | 2,693 |
| Total noninterest expense | $4,047,000 | 2,884 |
| Salaries and employee benefits | $2,017,000 | 3,103 |
| Premises and equipment expense | $842,000 | 2,054 |
| Additional noninterest expense | $1,188,000 | 2,962 |
| Pre-tax net operating income | $878,000 | 4,950 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $231,000 | 4,218 |
| Income before extraordinary items | $647,000 | 5,165 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $647,000 | 5,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $204,000 | 3,946 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $647,000 | 5,078 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,181,000 | 4,069 |
| Total interest expense | $503,000 | 5,631 |
| Net interest income | $2,678,000 | 3,575 |
| Provision for loan and lease losses | $32,000 | 5,260 |
| Total noninterest income | $564,000 | 3,306 |
| Gross Fiduciary activities income | $44,000 | 975 |
| Service charges on deposit accounts | $137,000 | 4,559 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $383,000 | 2,578 |
| Total noninterest expense | $2,715,000 | 2,879 |
| Salaries and employee benefits | $1,330,000 | 3,155 |
| Premises and equipment expense | $580,000 | 1,985 |
| Additional noninterest expense | $805,000 | 2,923 |
| Pre-tax net operating income | $495,000 | 5,330 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $126,000 | 4,529 |
| Income before extraordinary items | $369,000 | 5,538 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $369,000 | 5,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,880 |
| Cash dividends | $204,000 | 3,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $369,000 | 5,440 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,583,000 | 4,107 |
| Total interest expense | $266,000 | 5,540 |
| Net interest income | $1,317,000 | 3,615 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $258,000 | 3,444 |
| Gross Fiduciary activities income | $23,000 | 976 |
| Service charges on deposit accounts | $61,000 | 4,756 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $174,000 | 2,693 |
| Total noninterest expense | $1,364,000 | 2,868 |
| Salaries and employee benefits | $683,000 | 3,100 |
| Premises and equipment expense | $291,000 | 1,988 |
| Additional noninterest expense | $390,000 | 2,987 |
| Pre-tax net operating income | $202,000 | 5,799 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $46,000 | 4,955 |
| Income before extraordinary items | $156,000 | 5,914 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $156,000 | 5,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,346 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $156,000 | 5,791 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,612,000 | 3,995 |
| Total interest expense | $1,399,000 | 5,095 |
| Net interest income | $5,213,000 | 3,574 |
| Provision for loan and lease losses | $70,000 | 5,822 |
| Total noninterest income | $1,383,000 | 2,999 |
| Gross Fiduciary activities income | $81,000 | 1,000 |
| Service charges on deposit accounts | $282,000 | 4,460 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,020,000 | 2,360 |
| Total noninterest expense | $5,354,000 | 2,885 |
| Salaries and employee benefits | $2,664,000 | 3,096 |
| Premises and equipment expense | $1,084,000 | 2,097 |
| Additional noninterest expense | $1,606,000 | 2,893 |
| Pre-tax net operating income | $1,172,000 | 4,755 |
| Securities gains (losses) | $5,000 | 3,903 |
| Applicable income taxes | $294,000 | 4,311 |
| Income before extraordinary items | $883,000 | 4,983 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $883,000 | 4,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,408 |
| Cash dividends | $468,000 | 3,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $879,250 | 4,835 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,047,000 | 3,998 |
| Total interest expense | $1,089,000 | 5,111 |
| Net interest income | $3,958,000 | 3,553 |
| Provision for loan and lease losses | $20,000 | 6,734 |
| Total noninterest income | $948,000 | 3,243 |
| Gross Fiduciary activities income | $57,000 | 1,010 |
| Service charges on deposit accounts | $201,000 | 4,599 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $690,000 | 2,587 |
| Total noninterest expense | $3,795,000 | 3,021 |
| Salaries and employee benefits | $1,862,000 | 3,290 |
| Premises and equipment expense | $778,000 | 2,200 |
| Additional noninterest expense | $1,155,000 | 2,995 |
| Pre-tax net operating income | $1,091,000 | 4,324 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $282,000 | 4,030 |
| Income before extraordinary items | $809,000 | 4,564 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $809,000 | 4,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,484 |
| Cash dividends | $266,000 | 3,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $809,000 | 4,390 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,399,000 | 4,008 |
| Total interest expense | $771,000 | 5,040 |
| Net interest income | $2,628,000 | 3,558 |
| Provision for loan and lease losses | $10,000 | 6,790 |
| Total noninterest income | $614,000 | 3,292 |
| Gross Fiduciary activities income | $38,000 | 1,012 |
| Service charges on deposit accounts | $132,000 | 4,608 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $444,000 | 2,634 |
| Total noninterest expense | $2,438,000 | 3,115 |
| Salaries and employee benefits | $1,209,000 | 3,346 |
| Premises and equipment expense | $513,000 | 2,208 |
| Additional noninterest expense | $716,000 | 3,168 |
| Pre-tax net operating income | $794,000 | 4,085 |
| Securities gains (losses) | $3,000 | 3,367 |
| Applicable income taxes | $210,000 | 3,866 |
| Income before extraordinary items | $587,000 | 4,364 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $587,000 | 4,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $266,000 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $584,780 | 4,162 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,688,000 | 4,047 |
| Total interest expense | $412,000 | 4,946 |
| Net interest income | $1,276,000 | 3,640 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $287,000 | 3,355 |
| Gross Fiduciary activities income | $19,000 | 1,026 |
| Service charges on deposit accounts | $62,000 | 4,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $206,000 | 2,679 |
| Total noninterest expense | $1,203,000 | 3,139 |
| Salaries and employee benefits | $602,000 | 3,358 |
| Premises and equipment expense | $254,000 | 2,222 |
| Additional noninterest expense | $347,000 | 3,216 |
| Pre-tax net operating income | $360,000 | 4,318 |
| Securities gains (losses) | $2,000 | 2,590 |
| Applicable income taxes | $96,000 | 4,015 |
| Income before extraordinary items | $266,000 | 4,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $266,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $61,000 | 3,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $264,540 | 4,375 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,806,000 | 3,719 |
| Total interest expense | $2,281,000 | 4,401 |
| Net interest income | $5,525,000 | 3,366 |
| Provision for loan and lease losses | $185,000 | 4,507 |
| Total noninterest income | $818,000 | 3,936 |
| Gross Fiduciary activities income | $96,000 | 997 |
| Service charges on deposit accounts | $223,000 | 4,965 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $499,000 | 3,288 |
| Total noninterest expense | $4,927,000 | 2,962 |
| Salaries and employee benefits | $2,337,000 | 3,308 |
| Premises and equipment expense | $715,000 | 2,952 |
| Additional noninterest expense | $1,875,000 | 2,462 |
| Pre-tax net operating income | $1,231,000 | 4,632 |
| Securities gains (losses) | $13,000 | 3,457 |
| Applicable income taxes | $287,000 | 4,521 |
| Income before extraordinary items | $957,000 | 4,711 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $957,000 | 4,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,827 |
| Cash dividends | $430,000 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $946,990 | 4,620 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,822,000 | 3,698 |
| Total interest expense | $3,588,000 | 4,122 |
| Net interest income | $5,234,000 | 3,317 |
| Provision for loan and lease losses | $135,000 | 4,984 |
| Total noninterest income | $948,000 | 3,467 |
| Gross Fiduciary activities income | $103,000 | 989 |
| Service charges on deposit accounts | $277,000 | 4,365 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $568,000 | 2,923 |
| Total noninterest expense | $4,399,000 | 3,137 |
| Salaries and employee benefits | $2,166,000 | 3,354 |
| Premises and equipment expense | $653,000 | 3,122 |
| Additional noninterest expense | $1,580,000 | 2,748 |
| Pre-tax net operating income | $1,648,000 | 3,639 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $429,000 | 3,600 |
| Income before extraordinary items | $1,228,000 | 3,742 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,228,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,210 |
| Cash dividends | $391,000 | 3,941 |
| Sale, conversion, retirement of capital stock, net | $-180,000 | 9,513 |
| Net operating income | $1,221,340 | 3,643 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,534,000 | 3,920 |
| Total interest expense | $3,844,000 | 4,109 |
| Net interest income | $4,690,000 | 3,669 |
| Provision for loan and lease losses | $50,000 | 6,512 |
| Total noninterest income | $721,000 | 3,919 |
| Gross Fiduciary activities income | $60,000 | 1,023 |
| Service charges on deposit accounts | $283,000 | 4,222 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $378,000 | 3,482 |
| Total noninterest expense | $4,004,000 | 3,327 |
| Salaries and employee benefits | $1,905,000 | 3,623 |
| Premises and equipment expense | $594,000 | 3,301 |
| Additional noninterest expense | $1,505,000 | 2,810 |
| Pre-tax net operating income | $1,357,000 | 4,374 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $309,000 | 4,537 |
| Income before extraordinary items | $1,048,000 | 4,243 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,048,000 | 4,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,393 |
| Cash dividends | $375,000 | 4,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,048,000 | 4,251 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,781,000 | 4,019 |
| Total interest expense | $3,362,000 | 4,180 |
| Net interest income | $4,419,000 | 3,849 |
| Provision for loan and lease losses | $35,000 | 7,095 |
| Total noninterest income | $683,000 | 4,062 |
| Gross Fiduciary activities income | $52,000 | 1,095 |
| Service charges on deposit accounts | $241,000 | 4,621 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $390,000 | 3,487 |
| Total noninterest expense | $3,620,000 | 3,614 |
| Salaries and employee benefits | $1,760,000 | 3,814 |
| Premises and equipment expense | $567,000 | 3,418 |
| Additional noninterest expense | $1,293,000 | 3,231 |
| Pre-tax net operating income | $1,447,000 | 4,195 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $351,000 | 4,459 |
| Income before extraordinary items | $1,096,000 | 4,163 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,096,000 | 4,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,628 |
| Cash dividends | $347,000 | 4,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,096,000 | 4,115 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,244,000 | 4,276 |
| Total interest expense | $3,136,000 | 4,556 |
| Net interest income | $4,108,000 | 4,041 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $480,000 | 5,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 4,781 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,394 |
| Total noninterest expense | $3,337,000 | 3,754 |
| Salaries and employee benefits | $1,598,000 | 4,042 |
| Premises and equipment expense | $534,000 | 3,514 |
| Additional noninterest expense | $1,205,000 | 3,364 |
| Pre-tax net operating income | $1,197,000 | 4,891 |
| Securities gains (losses) | $51,000 | 1,715 |
| Applicable income taxes | $316,000 | 5,038 |
| Income before extraordinary items | $932,000 | 4,718 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $932,000 | 4,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $331,000 | 4,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $893,750 | 4,754 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,791,000 | 4,609 |
| Total interest expense | $2,806,000 | 4,977 |
| Net interest income | $3,985,000 | 4,251 |
| Provision for loan and lease losses | $21,000 | 7,856 |
| Total noninterest income | $318,000 | 6,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,568 |
| Total noninterest expense | $3,023,000 | 4,071 |
| Salaries and employee benefits | $1,447,000 | 4,378 |
| Premises and equipment expense | $448,000 | 4,061 |
| Additional noninterest expense | $1,128,000 | 3,528 |
| Pre-tax net operating income | $1,259,000 | 5,081 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $356,000 | 5,248 |
| Income before extraordinary items | $903,000 | 5,043 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $903,000 | 5,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,336 |
| Cash dividends | $298,000 | 4,642 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $903,000 | 4,988 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,368,000 | 4,955 |
| Total interest expense | $2,624,000 | 5,323 |
| Net interest income | $3,744,000 | 4,561 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $312,000 | 6,804 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $221,000 | 5,215 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 7,410 |
| Total noninterest expense | $2,850,000 | 4,481 |
| Salaries and employee benefits | $1,359,000 | 4,692 |
| Premises and equipment expense | $437,000 | 4,224 |
| Additional noninterest expense | $1,054,000 | 4,216 |
| Pre-tax net operating income | $1,206,000 | 5,106 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $374,000 | 5,106 |
| Income before extraordinary items | $832,000 | 5,156 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $832,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $265,000 | 4,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $832,000 | 5,099 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,081,000 | 5,147 |
| Total interest expense | $2,558,000 | 5,461 |
| Net interest income | $3,523,000 | 4,843 |
| Provision for loan and lease losses | $10,000 | 8,319 |
| Total noninterest income | $342,000 | 6,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,518 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,351 |
| Total noninterest expense | $2,676,000 | 4,704 |
| Salaries and employee benefits | $1,201,000 | 5,212 |
| Premises and equipment expense | $415,000 | 4,383 |
| Additional noninterest expense | $1,060,000 | 4,154 |
| Pre-tax net operating income | $1,179,000 | 5,309 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $356,000 | 5,372 |
| Income before extraordinary items | $823,000 | 5,340 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $823,000 | 5,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $267,000 | 4,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $823,000 | 5,314 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,234,000 | 5,454 |
| Total interest expense | $2,048,000 | 5,498 |
| Net interest income | $3,186,000 | 5,344 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $265,000 | 7,736 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,386 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $92,000 | 7,774 |
| Total noninterest expense | $2,481,000 | 5,191 |
| Salaries and employee benefits | $1,027,000 | 5,960 |
| Premises and equipment expense | $406,000 | 4,532 |
| Additional noninterest expense | $1,048,000 | 4,530 |
| Pre-tax net operating income | $930,000 | 6,260 |
| Securities gains (losses) | $-6,000 | 9,509 |
| Applicable income taxes | $258,000 | 6,414 |
| Income before extraordinary items | $666,000 | 6,121 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $666,000 | 6,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $234,000 | 5,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $670,320 | 6,170 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,007,000 | 5,779 |
| Total interest expense | $2,037,000 | 5,746 |
| Net interest income | $2,970,000 | 5,700 |
| Provision for loan and lease losses | $108,000 | 5,571 |
| Total noninterest income | $412,000 | 6,357 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,646 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 5,071 |
| Total noninterest expense | $2,158,000 | 5,965 |
| Salaries and employee benefits | $964,000 | 6,342 |
| Premises and equipment expense | $267,000 | 6,383 |
| Additional noninterest expense | $927,000 | 5,248 |
| Pre-tax net operating income | $1,116,000 | 5,465 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $183,000 | 7,947 |
| Income before extraordinary items | $933,000 | 4,950 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $933,000 | 5,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 12,066 |
| Cash dividends | $191,000 | 5,583 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 1,133 |
| Net operating income | $933,000 | 4,723 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,161,000 | 6,227 |
| Total interest expense | $2,415,000 | 6,154 |
| Net interest income | $2,746,000 | 6,129 |
| Provision for loan and lease losses | $185,000 | 5,429 |
| Total noninterest income | $253,000 | 8,443 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 6,503 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,942 |
| Total noninterest expense | $2,031,000 | 6,297 |
| Salaries and employee benefits | $918,000 | 6,517 |
| Premises and equipment expense | $288,000 | 6,154 |
| Additional noninterest expense | $825,000 | 5,918 |
| Pre-tax net operating income | $783,000 | 6,642 |
| Securities gains (losses) | $18,000 | 5,726 |
| Applicable income taxes | $226,000 | 7,072 |
| Income before extraordinary items | $575,000 | 6,738 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $575,000 | 6,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 4,493 |
| Cash dividends | $112,000 | 6,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $562,040 | 6,485 |
* 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.