Home > The First National Bank of Niagara > Income and Expense
The First National Bank of Niagara, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $1,359,000 | 4,930 |
| Total interest expense | $212,000 | 3,956 |
| Net interest income | $1,147,000 | 4,996 |
| Provision for loan and lease losses | $70,000 | 2,604 |
| Total noninterest income | $163,000 | 4,656 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $45,000 | 4,677 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $118,000 | 4,264 |
| Total noninterest expense | $1,085,000 | 4,855 |
| Salaries and employee benefits | $598,000 | 4,826 |
| Premises and equipment expense | $107,000 | 4,875 |
| Additional noninterest expense | $380,000 | 4,717 |
| Pre-tax net operating income | $155,000 | 5,255 |
| Securities gains (losses) | $0 | 2,835 |
| Applicable income taxes | $4,000 | 4,116 |
| Income before extraordinary items | $151,000 | 5,227 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $151,000 | 5,227 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $151,000 | 5,227 |
| Net charge-offs | $69,000 | 1,919 |
| Cash dividends | $68,000 | 3,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $151,000 | 5,167 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $665,000 | 5,008 |
| Total interest expense | $110,000 | 3,933 |
| Net interest income | $555,000 | 5,090 |
| Provision for loan and lease losses | $46,000 | 2,230 |
| Total noninterest income | $84,000 | 4,599 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $22,000 | 4,718 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $62,000 | 4,171 |
| Total noninterest expense | $531,000 | 4,929 |
| Salaries and employee benefits | $296,000 | 4,883 |
| Premises and equipment expense | $55,000 | 4,876 |
| Additional noninterest expense | $180,000 | 4,862 |
| Pre-tax net operating income | $62,000 | 5,375 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $-3,000 | 5,928 |
| Income before extraordinary items | $65,000 | 5,313 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $65,000 | 5,314 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $65,000 | 5,314 |
| Net charge-offs | $61,000 | 1,311 |
| Cash dividends | $35,000 | 2,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $65,000 | 5,254 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $2,680,000 | 5,000 |
| Total interest expense | $467,000 | 3,854 |
| Net interest income | $2,213,000 | 5,103 |
| Provision for loan and lease losses | $10,000 | 4,216 |
| Total noninterest income | $347,000 | 4,642 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $94,000 | 4,787 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $253,000 | 4,173 |
| Total noninterest expense | $2,268,000 | 4,867 |
| Salaries and employee benefits | $1,221,000 | 4,857 |
| Premises and equipment expense | $218,000 | 4,970 |
| Additional noninterest expense | $829,000 | 4,622 |
| Pre-tax net operating income | $282,000 | 5,317 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $3,000 | 4,252 |
| Income before extraordinary items | $279,000 | 5,285 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $279,000 | 5,288 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $279,000 | 5,288 |
| Net charge-offs | $22,000 | 3,711 |
| Cash dividends | $188,000 | 3,735 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $279,000 | 5,239 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 5,058 |
| Total interest expense | $354,000 | 3,885 |
| Net interest income | $1,652,000 | 5,168 |
| Provision for loan and lease losses | $0 | 4,232 |
| Total noninterest income | $253,000 | 4,719 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $69,000 | 4,864 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $184,000 | 4,244 |
| Total noninterest expense | $1,686,000 | 4,902 |
| Salaries and employee benefits | $928,000 | 4,870 |
| Premises and equipment expense | $163,000 | 5,028 |
| Additional noninterest expense | $595,000 | 4,751 |
| Pre-tax net operating income | $219,000 | 5,421 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $6,000 | 4,240 |
| Income before extraordinary items | $213,000 | 5,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 5,398 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $213,000 | 5,399 |
| Net charge-offs | $20,000 | 3,350 |
| Cash dividends | $153,000 | 3,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $213,000 | 5,344 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $1,339,000 | 5,105 |
| Total interest expense | $239,000 | 3,896 |
| Net interest income | $1,100,000 | 5,207 |
| Provision for loan and lease losses | $0 | 4,069 |
| Total noninterest income | $169,000 | 4,732 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $46,000 | 4,868 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $123,000 | 4,275 |
| Total noninterest expense | $1,078,000 | 5,019 |
| Salaries and employee benefits | $606,000 | 4,954 |
| Premises and equipment expense | $113,000 | 5,002 |
| Additional noninterest expense | $359,000 | 4,974 |
| Pre-tax net operating income | $191,000 | 5,270 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $22,000 | 3,825 |
| Income before extraordinary items | $169,000 | 5,275 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $169,000 | 5,276 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $169,000 | 5,279 |
| Net charge-offs | $12,000 | 3,188 |
| Cash dividends | $103,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $169,000 | 5,231 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $647,000 | 5,186 |
| Total interest expense | $121,000 | 3,910 |
| Net interest income | $526,000 | 5,313 |
| Provision for loan and lease losses | $0 | 3,703 |
| Total noninterest income | $79,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $21,000 | 4,993 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $58,000 | 4,358 |
| Total noninterest expense | $541,000 | 5,053 |
| Salaries and employee benefits | $302,000 | 5,002 |
| Premises and equipment expense | $60,000 | 4,962 |
| Additional noninterest expense | $179,000 | 5,007 |
| Pre-tax net operating income | $64,000 | 5,515 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $-1,000 | 6,179 |
| Income before extraordinary items | $65,000 | 5,467 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $65,000 | 5,469 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $65,000 | 5,469 |
| Net charge-offs | $7,000 | 2,613 |
| Cash dividends | $50,000 | 2,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $65,000 | 5,403 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 5,237 |
| Total interest expense | $523,000 | 3,922 |
| Net interest income | $2,114,000 | 5,369 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $306,000 | 4,970 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $105,000 | 4,920 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $201,000 | 4,531 |
| Total noninterest expense | $2,237,000 | 5,077 |
| Salaries and employee benefits | $1,234,000 | 5,029 |
| Premises and equipment expense | $241,000 | 5,073 |
| Additional noninterest expense | $762,000 | 5,015 |
| Pre-tax net operating income | $183,000 | 5,703 |
| Securities gains (losses) | $65,000 | 1,555 |
| Applicable income taxes | $-20,000 | 6,163 |
| Income before extraordinary items | $268,000 | 5,479 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $268,000 | 5,478 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $268,000 | 5,479 |
| Net charge-offs | $33,000 | 4,049 |
| Cash dividends | $175,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $203,000 | 5,612 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $1,983,000 | 5,294 |
| Total interest expense | $397,000 | 3,965 |
| Net interest income | $1,586,000 | 5,431 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $218,000 | 5,078 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $78,000 | 5,000 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $140,000 | 4,661 |
| Total noninterest expense | $1,669,000 | 5,122 |
| Salaries and employee benefits | $928,000 | 5,046 |
| Premises and equipment expense | $184,000 | 5,078 |
| Additional noninterest expense | $557,000 | 5,093 |
| Pre-tax net operating income | $135,000 | 5,794 |
| Securities gains (losses) | $65,000 | 1,277 |
| Applicable income taxes | $-12,000 | 6,300 |
| Income before extraordinary items | $212,000 | 5,524 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $212,000 | 5,525 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $212,000 | 5,526 |
| Net charge-offs | $32,000 | 3,574 |
| Cash dividends | $135,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $147,000 | 5,708 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 5,406 |
| Total interest expense | $269,000 | 3,977 |
| Net interest income | $992,000 | 5,572 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $152,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $51,000 | 5,044 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $101,000 | 4,544 |
| Total noninterest expense | $1,109,000 | 5,170 |
| Salaries and employee benefits | $618,000 | 5,090 |
| Premises and equipment expense | $130,000 | 5,029 |
| Additional noninterest expense | $361,000 | 5,169 |
| Pre-tax net operating income | $35,000 | 6,054 |
| Securities gains (losses) | $65,000 | 1,021 |
| Applicable income taxes | $-23,000 | 6,420 |
| Income before extraordinary items | $123,000 | 5,631 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $123,000 | 5,632 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $123,000 | 5,633 |
| Net charge-offs | $-4,000 | 5,382 |
| Cash dividends | $60,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $58,000 | 5,921 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $620,000 | 5,486 |
| Total interest expense | $135,000 | 4,020 |
| Net interest income | $485,000 | 5,665 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $78,000 | 4,983 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $24,000 | 5,131 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $54,000 | 4,450 |
| Total noninterest expense | $559,000 | 5,211 |
| Salaries and employee benefits | $310,000 | 5,151 |
| Premises and equipment expense | $71,000 | 4,911 |
| Additional noninterest expense | $178,000 | 5,242 |
| Pre-tax net operating income | $4,000 | 6,166 |
| Securities gains (losses) | $65,000 | 565 |
| Applicable income taxes | $-5,000 | 6,419 |
| Income before extraordinary items | $74,000 | 5,440 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $74,000 | 5,440 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $74,000 | 5,440 |
| Net charge-offs | $4,000 | 3,176 |
| Cash dividends | $50,000 | 2,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $9,000 | 6,128 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,755,000 | 5,368 |
| Total interest expense | $594,000 | 4,104 |
| Net interest income | $2,161,000 | 5,515 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $356,000 | 4,907 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $93,000 | 5,342 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $263,000 | 4,264 |
| Total noninterest expense | $2,309,000 | 5,204 |
| Salaries and employee benefits | $1,291,000 | 5,104 |
| Premises and equipment expense | $224,000 | 5,384 |
| Additional noninterest expense | $794,000 | 5,094 |
| Pre-tax net operating income | $208,000 | 5,702 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $-46,000 | 6,407 |
| Income before extraordinary items | $254,000 | 5,542 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $254,000 | 5,547 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $254,000 | 5,547 |
| Net charge-offs | $143,000 | 3,387 |
| Cash dividends | $190,000 | 3,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $254,000 | 5,484 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,095,000 | 5,406 |
| Total interest expense | $454,000 | 4,142 |
| Net interest income | $1,641,000 | 5,551 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $278,000 | 4,928 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $69,000 | 5,413 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $209,000 | 4,256 |
| Total noninterest expense | $1,759,000 | 5,191 |
| Salaries and employee benefits | $991,000 | 5,093 |
| Premises and equipment expense | $167,000 | 5,434 |
| Additional noninterest expense | $601,000 | 5,077 |
| Pre-tax net operating income | $160,000 | 5,796 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $-31,000 | 6,595 |
| Income before extraordinary items | $191,000 | 5,675 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $191,000 | 5,676 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $191,000 | 5,676 |
| Net charge-offs | $113,000 | 3,135 |
| Cash dividends | $140,000 | 3,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $191,000 | 5,608 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 5,445 |
| Total interest expense | $308,000 | 4,173 |
| Net interest income | $1,078,000 | 5,593 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $184,000 | 4,968 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $46,000 | 5,411 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $138,000 | 4,316 |
| Total noninterest expense | $1,180,000 | 5,199 |
| Salaries and employee benefits | $671,000 | 5,083 |
| Premises and equipment expense | $114,000 | 5,401 |
| Additional noninterest expense | $395,000 | 5,125 |
| Pre-tax net operating income | $82,000 | 5,911 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-25,000 | 6,646 |
| Income before extraordinary items | $107,000 | 5,803 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $107,000 | 5,804 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $107,000 | 5,805 |
| Net charge-offs | $82,000 | 2,933 |
| Cash dividends | $90,000 | 3,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $107,000 | 5,712 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $694,000 | 5,479 |
| Total interest expense | $154,000 | 4,261 |
| Net interest income | $540,000 | 5,624 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $79,000 | 5,192 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $22,000 | 5,472 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $57,000 | 4,549 |
| Total noninterest expense | $598,000 | 5,210 |
| Salaries and employee benefits | $342,000 | 5,083 |
| Premises and equipment expense | $59,000 | 5,371 |
| Additional noninterest expense | $197,000 | 5,173 |
| Pre-tax net operating income | $21,000 | 6,143 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-21,000 | 6,799 |
| Income before extraordinary items | $42,000 | 5,942 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $42,000 | 5,944 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $42,000 | 5,944 |
| Net charge-offs | $12,000 | 3,363 |
| Cash dividends | $50,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $42,000 | 5,862 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 5,510 |
| Total interest expense | $682,000 | 4,470 |
| Net interest income | $2,254,000 | 5,660 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $360,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $98,000 | 5,473 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $262,000 | 4,227 |
| Total noninterest expense | $2,289,000 | 5,381 |
| Salaries and employee benefits | $1,292,000 | 5,222 |
| Premises and equipment expense | $218,000 | 5,591 |
| Additional noninterest expense | $779,000 | 5,319 |
| Pre-tax net operating income | $325,000 | 5,351 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-6,000 | 6,518 |
| Income before extraordinary items | $331,000 | 5,389 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $331,000 | 5,386 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $331,000 | 5,387 |
| Net charge-offs | $-4,000 | 6,481 |
| Cash dividends | $200,000 | 3,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $331,000 | 5,190 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,203,000 | 5,602 |
| Total interest expense | $515,000 | 4,576 |
| Net interest income | $1,688,000 | 5,747 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $277,000 | 4,995 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $73,000 | 5,557 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $204,000 | 4,221 |
| Total noninterest expense | $1,727,000 | 5,407 |
| Salaries and employee benefits | $975,000 | 5,242 |
| Premises and equipment expense | $166,000 | 5,630 |
| Additional noninterest expense | $586,000 | 5,374 |
| Pre-tax net operating income | $238,000 | 5,536 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-12,000 | 6,761 |
| Income before extraordinary items | $250,000 | 5,524 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $250,000 | 5,524 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $250,000 | 5,524 |
| Net charge-offs | $-11,000 | 6,627 |
| Cash dividends | $150,000 | 3,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $250,000 | 5,335 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,473,000 | 5,647 |
| Total interest expense | $344,000 | 4,684 |
| Net interest income | $1,129,000 | 5,777 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $186,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $49,000 | 5,552 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $137,000 | 4,209 |
| Total noninterest expense | $1,146,000 | 5,446 |
| Salaries and employee benefits | $653,000 | 5,253 |
| Premises and equipment expense | $111,000 | 5,632 |
| Additional noninterest expense | $382,000 | 5,445 |
| Pre-tax net operating income | $169,000 | 5,487 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-11,000 | 6,837 |
| Income before extraordinary items | $180,000 | 5,452 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $180,000 | 5,452 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $180,000 | 5,452 |
| Net charge-offs | $-14,000 | 6,719 |
| Cash dividends | $100,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $180,000 | 5,260 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $730,000 | 5,703 |
| Total interest expense | $171,000 | 4,797 |
| Net interest income | $559,000 | 5,832 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $87,000 | 5,145 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $24,000 | 5,577 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $63,000 | 4,373 |
| Total noninterest expense | $574,000 | 5,477 |
| Salaries and employee benefits | $330,000 | 5,273 |
| Premises and equipment expense | $58,000 | 5,568 |
| Additional noninterest expense | $186,000 | 5,516 |
| Pre-tax net operating income | $72,000 | 5,697 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-22,000 | 7,037 |
| Income before extraordinary items | $94,000 | 5,445 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $94,000 | 5,445 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $94,000 | 5,445 |
| Net charge-offs | $-25,000 | 6,932 |
| Cash dividends | $50,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $94,000 | 5,283 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,093,000 | 5,696 |
| Total interest expense | $726,000 | 5,122 |
| Net interest income | $2,367,000 | 5,764 |
| Provision for loan and lease losses | $90,000 | 5,433 |
| Total noninterest income | $329,000 | 5,067 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $120,000 | 5,261 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $209,000 | 4,411 |
| Total noninterest expense | $2,176,000 | 5,659 |
| Salaries and employee benefits | $1,257,000 | 5,419 |
| Premises and equipment expense | $226,000 | 5,808 |
| Additional noninterest expense | $693,000 | 5,710 |
| Pre-tax net operating income | $430,000 | 4,895 |
| Securities gains (losses) | $1,000 | 3,733 |
| Applicable income taxes | $75,000 | 3,546 |
| Income before extraordinary items | $356,000 | 5,071 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $356,000 | 5,074 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $356,000 | 5,074 |
| Net charge-offs | $197,000 | 4,311 |
| Cash dividends | $200,000 | 3,331 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $355,170 | 4,950 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 5,756 |
| Total interest expense | $551,000 | 5,221 |
| Net interest income | $1,771,000 | 5,812 |
| Provision for loan and lease losses | $90,000 | 5,036 |
| Total noninterest income | $253,000 | 5,093 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $94,000 | 5,214 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $159,000 | 4,438 |
| Total noninterest expense | $1,639,000 | 5,667 |
| Salaries and employee benefits | $937,000 | 5,433 |
| Premises and equipment expense | $171,000 | 5,826 |
| Additional noninterest expense | $531,000 | 5,707 |
| Pre-tax net operating income | $295,000 | 5,135 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $48,000 | 3,645 |
| Income before extraordinary items | $247,000 | 5,285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $247,000 | 5,285 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $247,000 | 5,285 |
| Net charge-offs | $201,000 | 3,712 |
| Cash dividends | $150,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $247,000 | 5,158 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,555,000 | 5,789 |
| Total interest expense | $372,000 | 5,297 |
| Net interest income | $1,183,000 | 5,848 |
| Provision for loan and lease losses | $60,000 | 4,872 |
| Total noninterest income | $170,000 | 5,097 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $59,000 | 5,293 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $111,000 | 4,391 |
| Total noninterest expense | $1,105,000 | 5,710 |
| Salaries and employee benefits | $622,000 | 5,500 |
| Premises and equipment expense | $119,000 | 5,787 |
| Additional noninterest expense | $364,000 | 5,716 |
| Pre-tax net operating income | $188,000 | 5,186 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $31,000 | 3,615 |
| Income before extraordinary items | $157,000 | 5,320 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $157,000 | 5,319 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $157,000 | 5,320 |
| Net charge-offs | $14,000 | 5,222 |
| Cash dividends | $100,000 | 2,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $157,000 | 5,229 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $769,000 | 5,860 |
| Total interest expense | $189,000 | 5,372 |
| Net interest income | $580,000 | 5,901 |
| Provision for loan and lease losses | $30,000 | 4,582 |
| Total noninterest income | $67,000 | 5,553 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $26,000 | 5,445 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 4,959 |
| Total noninterest expense | $554,000 | 5,737 |
| Salaries and employee benefits | $311,000 | 5,536 |
| Premises and equipment expense | $65,000 | 5,671 |
| Additional noninterest expense | $178,000 | 5,797 |
| Pre-tax net operating income | $63,000 | 5,577 |
| Securities gains (losses) | $26,000 | 999 |
| Applicable income taxes | $14,000 | 3,619 |
| Income before extraordinary items | $75,000 | 5,351 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $75,000 | 5,350 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $75,000 | 5,351 |
| Net charge-offs | $-3,000 | 6,584 |
| Cash dividends | $50,000 | 2,222 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $53,160 | 5,605 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,259,000 | 5,877 |
| Total interest expense | $864,000 | 5,558 |
| Net interest income | $2,395,000 | 5,851 |
| Provision for loan and lease losses | $138,000 | 5,736 |
| Total noninterest income | $318,000 | 5,303 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $131,000 | 5,133 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $187,000 | 4,684 |
| Total noninterest expense | $2,173,000 | 5,834 |
| Salaries and employee benefits | $1,250,000 | 5,567 |
| Premises and equipment expense | $217,000 | 6,069 |
| Additional noninterest expense | $706,000 | 5,880 |
| Pre-tax net operating income | $402,000 | 4,629 |
| Securities gains (losses) | $18,000 | 3,151 |
| Applicable income taxes | $92,000 | 3,288 |
| Income before extraordinary items | $328,000 | 4,848 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $328,000 | 4,851 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $328,000 | 4,851 |
| Net charge-offs | $15,000 | 6,458 |
| Cash dividends | $190,000 | 3,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $313,960 | 4,752 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,452,000 | 5,966 |
| Total interest expense | $660,000 | 5,674 |
| Net interest income | $1,792,000 | 5,952 |
| Provision for loan and lease losses | $112,000 | 5,579 |
| Total noninterest income | $228,000 | 5,465 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $101,000 | 5,165 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $127,000 | 4,894 |
| Total noninterest expense | $1,633,000 | 5,861 |
| Salaries and employee benefits | $951,000 | 5,565 |
| Premises and equipment expense | $161,000 | 6,149 |
| Additional noninterest expense | $521,000 | 5,950 |
| Pre-tax net operating income | $275,000 | 4,946 |
| Securities gains (losses) | $8,000 | 3,163 |
| Applicable income taxes | $59,000 | 3,478 |
| Income before extraordinary items | $224,000 | 5,197 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $224,000 | 5,199 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $224,000 | 5,200 |
| Net charge-offs | $9,000 | 6,301 |
| Cash dividends | $140,000 | 2,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $217,680 | 5,061 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,640,000 | 6,013 |
| Total interest expense | $445,000 | 5,740 |
| Net interest income | $1,195,000 | 5,962 |
| Provision for loan and lease losses | $75,000 | 5,435 |
| Total noninterest income | $145,000 | 5,537 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $67,000 | 5,190 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $78,000 | 5,012 |
| Total noninterest expense | $1,107,000 | 5,863 |
| Salaries and employee benefits | $645,000 | 5,550 |
| Premises and equipment expense | $110,000 | 6,131 |
| Additional noninterest expense | $352,000 | 5,937 |
| Pre-tax net operating income | $158,000 | 5,168 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $28,000 | 3,609 |
| Income before extraordinary items | $130,000 | 5,350 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $130,000 | 5,351 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $130,000 | 5,352 |
| Net charge-offs | $23,000 | 5,442 |
| Cash dividends | $90,000 | 2,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $130,000 | 5,218 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $816,000 | 6,094 |
| Total interest expense | $224,000 | 5,856 |
| Net interest income | $592,000 | 6,034 |
| Provision for loan and lease losses | $38,000 | 5,148 |
| Total noninterest income | $73,000 | 5,579 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $33,000 | 5,208 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $40,000 | 5,053 |
| Total noninterest expense | $560,000 | 5,901 |
| Salaries and employee benefits | $331,000 | 5,531 |
| Premises and equipment expense | $57,000 | 6,162 |
| Additional noninterest expense | $172,000 | 6,032 |
| Pre-tax net operating income | $67,000 | 5,449 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $10,000 | 3,808 |
| Income before extraordinary items | $57,000 | 5,594 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $57,000 | 5,595 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $57,000 | 5,594 |
| Net charge-offs | $6,000 | 5,069 |
| Cash dividends | $40,000 | 2,355 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $57,000 | 5,493 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,466,000 | 6,039 |
| Total interest expense | $1,074,000 | 5,881 |
| Net interest income | $2,392,000 | 5,938 |
| Provision for loan and lease losses | $220,000 | 5,673 |
| Total noninterest income | $313,000 | 5,537 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $141,000 | 5,257 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $172,000 | 4,888 |
| Total noninterest expense | $2,319,000 | 5,868 |
| Salaries and employee benefits | $1,363,000 | 5,466 |
| Premises and equipment expense | $228,000 | 6,252 |
| Additional noninterest expense | $728,000 | 6,042 |
| Pre-tax net operating income | $166,000 | 4,898 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $2,000 | 4,160 |
| Income before extraordinary items | $164,000 | 4,934 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $164,000 | 4,936 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $164,000 | 4,936 |
| Net charge-offs | $122,000 | 5,521 |
| Cash dividends | $106,000 | 4,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $164,000 | 4,871 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,618,000 | 6,083 |
| Total interest expense | $828,000 | 5,958 |
| Net interest income | $1,790,000 | 5,969 |
| Provision for loan and lease losses | $180,000 | 5,277 |
| Total noninterest income | $258,000 | 5,464 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $99,000 | 5,379 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $159,000 | 4,665 |
| Total noninterest expense | $1,738,000 | 5,894 |
| Salaries and employee benefits | $1,030,000 | 5,491 |
| Premises and equipment expense | $170,000 | 6,309 |
| Additional noninterest expense | $538,000 | 6,085 |
| Pre-tax net operating income | $130,000 | 5,183 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $6,000 | 4,171 |
| Income before extraordinary items | $124,000 | 5,211 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $124,000 | 5,209 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $124,000 | 5,209 |
| Net charge-offs | $120,000 | 4,886 |
| Cash dividends | $68,000 | 3,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $124,000 | 5,149 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,755,000 | 6,134 |
| Total interest expense | $559,000 | 6,056 |
| Net interest income | $1,196,000 | 5,973 |
| Provision for loan and lease losses | $120,000 | 5,054 |
| Total noninterest income | $175,000 | 5,452 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $59,000 | 5,550 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $116,000 | 4,544 |
| Total noninterest expense | $1,149,000 | 5,959 |
| Salaries and employee benefits | $681,000 | 5,582 |
| Premises and equipment expense | $121,000 | 6,226 |
| Additional noninterest expense | $347,000 | 6,175 |
| Pre-tax net operating income | $102,000 | 5,200 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $16,000 | 3,810 |
| Income before extraordinary items | $86,000 | 5,314 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $86,000 | 5,310 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $86,000 | 5,310 |
| Net charge-offs | $95,000 | 4,299 |
| Cash dividends | $50,000 | 3,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $86,000 | 5,226 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $883,000 | 6,165 |
| Total interest expense | $283,000 | 6,133 |
| Net interest income | $600,000 | 5,982 |
| Provision for loan and lease losses | $60,000 | 4,614 |
| Total noninterest income | $106,000 | 5,107 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $25,000 | 5,766 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $81,000 | 3,986 |
| Total noninterest expense | $550,000 | 6,022 |
| Salaries and employee benefits | $337,000 | 5,660 |
| Premises and equipment expense | $62,000 | 6,236 |
| Additional noninterest expense | $151,000 | 6,292 |
| Pre-tax net operating income | $96,000 | 5,078 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $28,000 | 3,336 |
| Income before extraordinary items | $68,000 | 5,423 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $68,000 | 5,428 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $68,000 | 5,427 |
| Net charge-offs | $51,000 | 3,523 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $68,000 | 5,244 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,950,000 | 6,034 |
| Total interest expense | $1,413,000 | 6,096 |
| Net interest income | $2,537,000 | 5,873 |
| Provision for loan and lease losses | $150,000 | 5,553 |
| Total noninterest income | $274,000 | 5,977 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $115,000 | 5,704 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $159,000 | 5,220 |
| Total noninterest expense | $2,160,000 | 6,037 |
| Salaries and employee benefits | $1,305,000 | 5,743 |
| Premises and equipment expense | $231,000 | 6,410 |
| Additional noninterest expense | $624,000 | 6,134 |
| Pre-tax net operating income | $501,000 | 4,867 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $149,000 | 3,073 |
| Income before extraordinary items | $352,000 | 4,907 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $352,000 | 4,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 5,088 |
| Cash dividends | $3,519,000 | 779 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $352,000 | 5,073 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,009,000 | 6,075 |
| Total interest expense | $1,088,000 | 6,155 |
| Net interest income | $1,921,000 | 5,900 |
| Provision for loan and lease losses | $120,000 | 4,934 |
| Total noninterest income | $206,000 | 6,061 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $84,000 | 5,776 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $122,000 | 5,275 |
| Total noninterest expense | $1,616,000 | 6,018 |
| Salaries and employee benefits | $983,000 | 5,742 |
| Premises and equipment expense | $178,000 | 6,384 |
| Additional noninterest expense | $455,000 | 6,152 |
| Pre-tax net operating income | $391,000 | 5,301 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $119,000 | 3,448 |
| Income before extraordinary items | $272,000 | 5,333 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $272,000 | 5,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,115 |
| Cash dividends | $19,000 | 4,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $272,000 | 5,506 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,035,000 | 6,102 |
| Total interest expense | $752,000 | 6,213 |
| Net interest income | $1,283,000 | 5,893 |
| Provision for loan and lease losses | $75,000 | 4,654 |
| Total noninterest income | $144,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $54,000 | 5,837 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $90,000 | 5,223 |
| Total noninterest expense | $1,071,000 | 6,083 |
| Salaries and employee benefits | $662,000 | 5,757 |
| Premises and equipment expense | $114,000 | 6,502 |
| Additional noninterest expense | $295,000 | 6,229 |
| Pre-tax net operating income | $281,000 | 5,366 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $86,000 | 3,602 |
| Income before extraordinary items | $195,000 | 5,644 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,165 |
| Cash dividends | $12,000 | 4,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $195,000 | 5,585 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,047,000 | 6,113 |
| Total interest expense | $404,000 | 6,235 |
| Net interest income | $643,000 | 5,920 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $65,000 | 6,240 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 5,402 |
| Total noninterest expense | $541,000 | 6,096 |
| Salaries and employee benefits | $331,000 | 5,811 |
| Premises and equipment expense | $60,000 | 6,417 |
| Additional noninterest expense | $150,000 | 6,176 |
| Pre-tax net operating income | $137,000 | 5,581 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $42,000 | 3,739 |
| Income before extraordinary items | $95,000 | 5,908 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $95,000 | 5,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $6,000 | 3,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $95,000 | 5,823 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,420,000 | 6,018 |
| Total interest expense | $1,804,000 | 6,048 |
| Net interest income | $2,616,000 | 5,855 |
| Provision for loan and lease losses | $60,000 | 5,449 |
| Total noninterest income | $308,000 | 5,988 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $116,000 | 5,820 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $192,000 | 5,146 |
| Total noninterest expense | $2,066,000 | 6,138 |
| Salaries and employee benefits | $1,249,000 | 5,864 |
| Premises and equipment expense | $225,000 | 6,484 |
| Additional noninterest expense | $592,000 | 6,152 |
| Pre-tax net operating income | $798,000 | 5,184 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $254,000 | 3,594 |
| Income before extraordinary items | $544,000 | 5,530 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $544,000 | 5,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,251 |
| Cash dividends | $25,000 | 5,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $544,000 | 5,516 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,319,000 | 6,050 |
| Total interest expense | $1,351,000 | 6,088 |
| Net interest income | $1,968,000 | 5,885 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $199,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $115,000 | 5,553 |
| Total noninterest expense | $1,551,000 | 6,122 |
| Salaries and employee benefits | $931,000 | 5,862 |
| Premises and equipment expense | $194,000 | 6,145 |
| Additional noninterest expense | $426,000 | 6,229 |
| Pre-tax net operating income | $571,000 | 5,534 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $184,000 | 3,813 |
| Income before extraordinary items | $387,000 | 5,887 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $387,000 | 5,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,396 |
| Cash dividends | $19,000 | 5,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $387,000 | 5,871 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,172,000 | 6,112 |
| Total interest expense | $878,000 | 6,165 |
| Net interest income | $1,294,000 | 5,960 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $137,000 | 6,282 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $55,000 | 5,947 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $82,000 | 5,477 |
| Total noninterest expense | $1,027,000 | 6,178 |
| Salaries and employee benefits | $622,000 | 5,903 |
| Premises and equipment expense | $133,000 | 6,120 |
| Additional noninterest expense | $272,000 | 6,377 |
| Pre-tax net operating income | $374,000 | 5,646 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $120,000 | 3,926 |
| Income before extraordinary items | $254,000 | 5,986 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $254,000 | 5,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,719 |
| Cash dividends | $13,000 | 4,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $254,000 | 5,973 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,064,000 | 6,173 |
| Total interest expense | $436,000 | 6,197 |
| Net interest income | $628,000 | 6,045 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $68,000 | 6,298 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $41,000 | 5,473 |
| Total noninterest expense | $522,000 | 6,172 |
| Salaries and employee benefits | $311,000 | 5,936 |
| Premises and equipment expense | $80,000 | 5,684 |
| Additional noninterest expense | $131,000 | 6,472 |
| Pre-tax net operating income | $159,000 | 5,964 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $50,000 | 4,122 |
| Income before extraordinary items | $109,000 | 6,258 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $109,000 | 6,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,797 |
| Cash dividends | $6,000 | 3,913 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $109,000 | 6,242 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,090,000 | 6,064 |
| Total interest expense | $1,466,000 | 6,172 |
| Net interest income | $2,624,000 | 5,879 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $262,000 | 6,453 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $114,000 | 5,967 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $148,000 | 5,635 |
| Total noninterest expense | $1,960,000 | 6,218 |
| Salaries and employee benefits | $1,225,000 | 5,844 |
| Premises and equipment expense | $255,000 | 6,160 |
| Additional noninterest expense | $480,000 | 6,629 |
| Pre-tax net operating income | $866,000 | 5,493 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $282,000 | 3,895 |
| Income before extraordinary items | $584,000 | 5,871 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $584,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,181 |
| Cash dividends | $25,000 | 5,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $584,000 | 5,868 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,008,000 | 6,124 |
| Total interest expense | $1,044,000 | 6,230 |
| Net interest income | $1,964,000 | 5,954 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $190,000 | 6,561 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $84,000 | 6,055 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $106,000 | 5,740 |
| Total noninterest expense | $1,504,000 | 6,143 |
| Salaries and employee benefits | $954,000 | 5,690 |
| Premises and equipment expense | $201,000 | 6,060 |
| Additional noninterest expense | $349,000 | 6,714 |
| Pre-tax net operating income | $605,000 | 5,843 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $197,000 | 4,151 |
| Income before extraordinary items | $408,000 | 6,189 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $408,000 | 6,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $19,000 | 5,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $408,000 | 6,195 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,974,000 | 6,142 |
| Total interest expense | $661,000 | 6,257 |
| Net interest income | $1,313,000 | 5,974 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $118,000 | 6,707 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $50,000 | 6,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $68,000 | 5,845 |
| Total noninterest expense | $1,005,000 | 6,156 |
| Salaries and employee benefits | $650,000 | 5,657 |
| Premises and equipment expense | $136,000 | 6,020 |
| Additional noninterest expense | $219,000 | 6,917 |
| Pre-tax net operating income | $396,000 | 5,922 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $129,000 | 4,223 |
| Income before extraordinary items | $267,000 | 6,245 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $267,000 | 6,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,722 |
| Cash dividends | $13,000 | 5,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $267,000 | 6,252 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $955,000 | 6,214 |
| Total interest expense | $314,000 | 6,292 |
| Net interest income | $641,000 | 6,067 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $48,000 | 7,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,377 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $26,000 | 6,300 |
| Total noninterest expense | $510,000 | 6,123 |
| Salaries and employee benefits | $332,000 | 5,624 |
| Premises and equipment expense | $70,000 | 5,955 |
| Additional noninterest expense | $108,000 | 6,919 |
| Pre-tax net operating income | $164,000 | 6,242 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $51,000 | 4,470 |
| Income before extraordinary items | $113,000 | 6,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,092 |
| Cash dividends | $6,000 | 3,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $113,000 | 6,515 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,843,000 | 5,938 |
| Total interest expense | $1,084,000 | 6,091 |
| Net interest income | $2,759,000 | 5,769 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $255,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $106,000 | 6,202 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $149,000 | 5,744 |
| Total noninterest expense | $2,031,000 | 6,064 |
| Salaries and employee benefits | $1,302,000 | 5,524 |
| Premises and equipment expense | $274,000 | 5,971 |
| Additional noninterest expense | $455,000 | 6,815 |
| Pre-tax net operating income | $923,000 | 5,575 |
| Securities gains (losses) | $44,000 | 973 |
| Applicable income taxes | $321,000 | 4,047 |
| Income before extraordinary items | $646,000 | 5,831 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $646,000 | 5,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,162 |
| Cash dividends | $25,000 | 5,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $616,520 | 5,920 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,848,000 | 5,947 |
| Total interest expense | $771,000 | 6,112 |
| Net interest income | $2,077,000 | 5,778 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $199,000 | 6,599 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 6,199 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 5,667 |
| Total noninterest expense | $1,495,000 | 6,094 |
| Salaries and employee benefits | $965,000 | 5,537 |
| Premises and equipment expense | $195,000 | 6,101 |
| Additional noninterest expense | $335,000 | 6,838 |
| Pre-tax net operating income | $736,000 | 5,539 |
| Securities gains (losses) | $44,000 | 930 |
| Applicable income taxes | $265,000 | 3,995 |
| Income before extraordinary items | $515,000 | 5,833 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $515,000 | 5,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $19,000 | 5,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $485,960 | 5,938 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,874,000 | 5,933 |
| Total interest expense | $496,000 | 6,062 |
| Net interest income | $1,378,000 | 5,767 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $129,000 | 6,618 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $990,000 | 6,106 |
| Salaries and employee benefits | $637,000 | 5,548 |
| Premises and equipment expense | $128,000 | 6,137 |
| Additional noninterest expense | $225,000 | 6,824 |
| Pre-tax net operating income | $487,000 | 5,539 |
| Securities gains (losses) | $44,000 | 835 |
| Applicable income taxes | $180,000 | 3,968 |
| Income before extraordinary items | $351,000 | 5,775 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $351,000 | 5,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,392 |
| Cash dividends | $13,000 | 4,994 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $321,960 | 5,915 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $917,000 | 5,984 |
| Total interest expense | $240,000 | 6,080 |
| Net interest income | $677,000 | 5,833 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $63,000 | 6,658 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,847 |
| Total noninterest expense | $503,000 | 6,084 |
| Salaries and employee benefits | $323,000 | 5,558 |
| Premises and equipment expense | $69,000 | 5,998 |
| Additional noninterest expense | $111,000 | 6,877 |
| Pre-tax net operating income | $222,000 | 5,724 |
| Securities gains (losses) | $38,000 | 620 |
| Applicable income taxes | $88,000 | 3,973 |
| Income before extraordinary items | $172,000 | 5,780 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $172,000 | 5,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $6,000 | 3,823 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $146,920 | 6,105 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 5,796 |
| Total interest expense | $853,000 | 6,088 |
| Net interest income | $2,864,000 | 5,548 |
| Provision for loan and lease losses | $80,000 | 5,318 |
| Total noninterest income | $266,000 | 6,636 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $112,000 | 6,300 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $154,000 | 5,630 |
| Total noninterest expense | $1,846,000 | 6,288 |
| Salaries and employee benefits | $1,225,000 | 5,629 |
| Premises and equipment expense | $220,000 | 6,530 |
| Additional noninterest expense | $401,000 | 7,118 |
| Pre-tax net operating income | $1,204,000 | 4,794 |
| Securities gains (losses) | $5,000 | 3,151 |
| Applicable income taxes | $428,000 | 3,601 |
| Income before extraordinary items | $781,000 | 5,315 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $781,000 | 5,317 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,315 |
| Cash dividends | $25,000 | 6,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $777,750 | 5,257 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,770,000 | 5,802 |
| Total interest expense | $627,000 | 6,144 |
| Net interest income | $2,143,000 | 5,556 |
| Provision for loan and lease losses | $65,000 | 5,027 |
| Total noninterest income | $204,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $83,000 | 6,357 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $121,000 | 5,552 |
| Total noninterest expense | $1,346,000 | 6,329 |
| Salaries and employee benefits | $896,000 | 5,668 |
| Premises and equipment expense | $180,000 | 6,281 |
| Additional noninterest expense | $270,000 | 7,330 |
| Pre-tax net operating income | $936,000 | 4,769 |
| Securities gains (losses) | $5,000 | 3,038 |
| Applicable income taxes | $338,000 | 3,576 |
| Income before extraordinary items | $603,000 | 5,350 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $603,000 | 5,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,640 |
| Cash dividends | $19,000 | 5,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $599,800 | 5,282 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,832,000 | 5,830 |
| Total interest expense | $416,000 | 6,184 |
| Net interest income | $1,416,000 | 5,587 |
| Provision for loan and lease losses | $40,000 | 5,015 |
| Total noninterest income | $129,000 | 6,772 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $54,000 | 6,404 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $75,000 | 5,718 |
| Total noninterest expense | $890,000 | 6,398 |
| Salaries and employee benefits | $593,000 | 5,730 |
| Premises and equipment expense | $122,000 | 6,279 |
| Additional noninterest expense | $175,000 | 7,431 |
| Pre-tax net operating income | $615,000 | 4,766 |
| Securities gains (losses) | $5,000 | 2,738 |
| Applicable income taxes | $224,000 | 3,572 |
| Income before extraordinary items | $396,000 | 5,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $396,000 | 5,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,933 |
| Cash dividends | $13,000 | 5,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $392,800 | 5,272 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $903,000 | 5,909 |
| Total interest expense | $211,000 | 6,201 |
| Net interest income | $692,000 | 5,676 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $60,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $25,000 | 6,482 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $35,000 | 5,821 |
| Total noninterest expense | $450,000 | 6,407 |
| Salaries and employee benefits | $312,000 | 5,616 |
| Premises and equipment expense | $59,000 | 6,355 |
| Additional noninterest expense | $79,000 | 7,660 |
| Pre-tax net operating income | $287,000 | 4,913 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $106,000 | 3,688 |
| Income before extraordinary items | $181,000 | 5,576 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $181,000 | 5,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $6,000 | 3,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $181,000 | 5,456 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,685,000 | 5,900 |
| Total interest expense | $1,022,000 | 6,054 |
| Net interest income | $2,663,000 | 5,687 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $332,000 | 6,375 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $125,000 | 6,206 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $207,000 | 5,216 |
| Total noninterest expense | $1,770,000 | 6,404 |
| Salaries and employee benefits | $1,131,000 | 5,838 |
| Premises and equipment expense | $259,000 | 6,074 |
| Additional noninterest expense | $380,000 | 7,277 |
| Pre-tax net operating income | $1,045,000 | 5,062 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $380,000 | 3,888 |
| Income before extraordinary items | $665,000 | 5,718 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $665,000 | 5,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,439 |
| Cash dividends | $25,000 | 6,105 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $665,000 | 5,550 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 5,981 |
| Total interest expense | $800,000 | 6,076 |
| Net interest income | $1,940,000 | 5,814 |
| Provision for loan and lease losses | $165,000 | 3,731 |
| Total noninterest income | $267,000 | 6,259 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $92,000 | 6,274 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $175,000 | 5,035 |
| Total noninterest expense | $1,290,000 | 6,466 |
| Salaries and employee benefits | $842,000 | 5,838 |
| Premises and equipment expense | $179,000 | 6,311 |
| Additional noninterest expense | $269,000 | 7,408 |
| Pre-tax net operating income | $752,000 | 5,311 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $276,000 | 4,077 |
| Income before extraordinary items | $476,000 | 5,972 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $476,000 | 5,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,530 |
| Cash dividends | $19,000 | 5,379 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $476,000 | 5,808 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,817,000 | 6,038 |
| Total interest expense | $561,000 | 6,038 |
| Net interest income | $1,256,000 | 5,916 |
| Provision for loan and lease losses | $115,000 | 3,633 |
| Total noninterest income | $177,000 | 6,263 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $59,000 | 6,330 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $118,000 | 5,021 |
| Total noninterest expense | $843,000 | 6,548 |
| Salaries and employee benefits | $543,000 | 5,960 |
| Premises and equipment expense | $119,000 | 6,291 |
| Additional noninterest expense | $181,000 | 7,379 |
| Pre-tax net operating income | $475,000 | 5,445 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $175,000 | 4,229 |
| Income before extraordinary items | $300,000 | 6,099 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $300,000 | 6,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,006 |
| Cash dividends | $12,000 | 5,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $300,000 | 5,899 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $895,000 | 6,116 |
| Total interest expense | $293,000 | 6,005 |
| Net interest income | $602,000 | 6,052 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $90,000 | 6,155 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $30,000 | 6,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $60,000 | 4,921 |
| Total noninterest expense | $422,000 | 6,552 |
| Salaries and employee benefits | $271,000 | 5,968 |
| Premises and equipment expense | $57,000 | 6,435 |
| Additional noninterest expense | $94,000 | 7,306 |
| Pre-tax net operating income | $180,000 | 6,085 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $67,000 | 4,650 |
| Income before extraordinary items | $113,000 | 6,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 6,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $6,000 | 3,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $113,000 | 6,488 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,773,000 | 6,096 |
| Total interest expense | $1,418,000 | 5,896 |
| Net interest income | $2,355,000 | 6,099 |
| Provision for loan and lease losses | $260,000 | 3,766 |
| Total noninterest income | $242,000 | 6,928 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $117,000 | 6,301 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 5,983 |
| Total noninterest expense | $1,634,000 | 6,593 |
| Salaries and employee benefits | $1,027,000 | 6,035 |
| Premises and equipment expense | $245,000 | 6,211 |
| Additional noninterest expense | $362,000 | 7,402 |
| Pre-tax net operating income | $703,000 | 6,069 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $233,000 | 4,874 |
| Income before extraordinary items | $470,000 | 6,534 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $470,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 2,359 |
| Cash dividends | $25,000 | 6,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $470,000 | 6,395 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,900,000 | 6,436 |
| Total interest expense | $1,802,000 | 6,410 |
| Net interest income | $2,098,000 | 6,281 |
| Provision for loan and lease losses | $70,000 | 6,194 |
| Total noninterest income | $252,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $112,000 | 6,368 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $140,000 | 5,673 |
| Total noninterest expense | $1,595,000 | 6,591 |
| Salaries and employee benefits | $987,000 | 6,029 |
| Premises and equipment expense | $242,000 | 6,183 |
| Additional noninterest expense | $366,000 | 7,387 |
| Pre-tax net operating income | $685,000 | 5,882 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $222,000 | 4,836 |
| Income before extraordinary items | $463,000 | 6,243 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $463,000 | 6,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 4,086 |
| Cash dividends | $25,000 | 6,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $463,000 | 6,123 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,794,000 | 6,653 |
| Total interest expense | $1,864,000 | 6,484 |
| Net interest income | $1,930,000 | 6,678 |
| Provision for loan and lease losses | $60,000 | 6,179 |
| Total noninterest income | $191,000 | 7,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 6,968 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,206 |
| Total noninterest expense | $1,420,000 | 6,950 |
| Salaries and employee benefits | $883,000 | 6,369 |
| Premises and equipment expense | $241,000 | 6,174 |
| Additional noninterest expense | $296,000 | 7,974 |
| Pre-tax net operating income | $641,000 | 6,437 |
| Securities gains (losses) | $1,000 | 1,732 |
| Applicable income taxes | $221,000 | 5,214 |
| Income before extraordinary items | $421,000 | 6,723 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $421,000 | 6,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,889 |
| Cash dividends | $25,000 | 6,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $420,340 | 6,738 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,562,000 | 6,768 |
| Total interest expense | $1,703,000 | 6,542 |
| Net interest income | $1,859,000 | 6,892 |
| Provision for loan and lease losses | $40,000 | 6,849 |
| Total noninterest income | $219,000 | 7,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,870 |
| Total noninterest expense | $1,361,000 | 7,140 |
| Salaries and employee benefits | $848,000 | 6,540 |
| Premises and equipment expense | $238,000 | 6,214 |
| Additional noninterest expense | $275,000 | 8,342 |
| Pre-tax net operating income | $677,000 | 6,399 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $234,000 | 5,357 |
| Income before extraordinary items | $443,000 | 6,746 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $443,000 | 6,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,369 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $443,000 | 6,719 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,365,000 | 7,099 |
| Total interest expense | $1,675,000 | 6,819 |
| Net interest income | $1,690,000 | 7,310 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $199,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $72,000 | 7,483 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $127,000 | 6,070 |
| Total noninterest expense | $1,258,000 | 7,384 |
| Salaries and employee benefits | $739,000 | 6,978 |
| Premises and equipment expense | $223,000 | 6,369 |
| Additional noninterest expense | $296,000 | 8,150 |
| Pre-tax net operating income | $631,000 | 6,758 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $221,000 | 5,943 |
| Income before extraordinary items | $410,000 | 7,149 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $410,000 | 7,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,135 |
| Cash dividends | $25,000 | 7,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $410,000 | 7,058 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,165,000 | 7,558 |
| Total interest expense | $1,532,000 | 7,272 |
| Net interest income | $1,633,000 | 7,700 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $189,000 | 7,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,689 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,492 |
| Total noninterest expense | $1,116,000 | 7,955 |
| Salaries and employee benefits | $686,000 | 7,397 |
| Premises and equipment expense | $182,000 | 7,166 |
| Additional noninterest expense | $248,000 | 8,870 |
| Pre-tax net operating income | $706,000 | 6,954 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $248,000 | 6,282 |
| Income before extraordinary items | $458,000 | 7,245 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $458,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,272 |
| Cash dividends | $25,000 | 7,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $458,000 | 7,191 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,849,000 | 8,211 |
| Total interest expense | $1,324,000 | 8,036 |
| Net interest income | $1,525,000 | 8,214 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $174,000 | 8,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 8,427 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,864 |
| Total noninterest expense | $1,032,000 | 8,556 |
| Salaries and employee benefits | $642,000 | 7,887 |
| Premises and equipment expense | $177,000 | 7,497 |
| Additional noninterest expense | $213,000 | 9,784 |
| Pre-tax net operating income | $617,000 | 7,327 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $213,000 | 6,931 |
| Income before extraordinary items | $404,000 | 7,592 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $404,000 | 7,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $25,000 | 7,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $404,000 | 7,527 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,605,000 | 8,794 |
| Total interest expense | $1,212,000 | 8,549 |
| Net interest income | $1,394,000 | 8,802 |
| Provision for loan and lease losses | $104,000 | 4,516 |
| Total noninterest income | $147,000 | 9,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 9,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,273 |
| Total noninterest expense | $1,000,000 | 8,952 |
| Salaries and employee benefits | $585,000 | 8,455 |
| Premises and equipment expense | $168,000 | 7,858 |
| Additional noninterest expense | $247,000 | 9,853 |
| Pre-tax net operating income | $437,000 | 8,829 |
| Securities gains (losses) | $62,000 | 1,174 |
| Applicable income taxes | $165,000 | 8,017 |
| Income before extraordinary items | $334,000 | 8,621 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $334,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $25,000 | 8,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $292,460 | 8,990 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 9,369 |
| Total interest expense | $879,000 | 9,224 |
| Net interest income | $1,355,000 | 9,298 |
| Provision for loan and lease losses | $44,000 | 6,435 |
| Total noninterest income | $112,000 | 10,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 9,795 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 8,873 |
| Total noninterest expense | $913,000 | 9,714 |
| Salaries and employee benefits | $517,000 | 9,235 |
| Premises and equipment expense | $137,000 | 8,902 |
| Additional noninterest expense | $259,000 | 10,419 |
| Pre-tax net operating income | $509,000 | 8,596 |
| Securities gains (losses) | $-81,000 | 11,391 |
| Applicable income taxes | $128,000 | 8,751 |
| Income before extraordinary items | $301,000 | 9,139 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $301,000 | 9,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $25,000 | 8,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $357,700 | 8,623 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,197,000 | 9,792 |
| Total interest expense | $904,000 | 9,532 |
| Net interest income | $1,293,000 | 9,754 |
| Provision for loan and lease losses | $95,000 | 5,900 |
| Total noninterest income | $97,000 | 11,399 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 10,936 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 8,889 |
| Total noninterest expense | $872,000 | 10,335 |
| Salaries and employee benefits | $469,000 | 9,966 |
| Premises and equipment expense | $144,000 | 9,078 |
| Additional noninterest expense | $259,000 | 10,962 |
| Pre-tax net operating income | $423,000 | 9,233 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $151,000 | 8,625 |
| Income before extraordinary items | $272,000 | 9,793 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $272,000 | 9,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $25,000 | 8,549 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $272,000 | 9,534 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,295,000 | 10,300 |
| Total interest expense | $1,177,000 | 9,691 |
| Net interest income | $1,118,000 | 10,634 |
| Provision for loan and lease losses | $44,000 | 9,347 |
| Total noninterest income | $59,000 | 12,872 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 11,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,988 |
| Total noninterest expense | $774,000 | 11,133 |
| Salaries and employee benefits | $379,000 | 11,109 |
| Premises and equipment expense | $141,000 | 9,376 |
| Additional noninterest expense | $254,000 | 11,476 |
| Pre-tax net operating income | $359,000 | 9,595 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $138,000 | 8,935 |
| Income before extraordinary items | $221,000 | 10,307 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $221,000 | 10,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $25,000 | 8,340 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $221,000 | 9,962 |
* 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.