Home > The First National Bank of Southern Kansas > Income and Expense
The First National Bank of Southern Kansas, Income and Expense
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,031,000 | 6,253 |
| Total interest expense | $112,000 | 6,509 |
| Net interest income | $919,000 | 6,133 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $244,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $73,000 | 4,902 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $171,000 | 3,882 |
| Total noninterest expense | $1,082,000 | 5,575 |
| Salaries and employee benefits | $654,000 | 5,250 |
| Premises and equipment expense | $75,000 | 6,220 |
| Additional noninterest expense | $353,000 | 5,612 |
| Pre-tax net operating income | $81,000 | 5,960 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $45,000 | 3,604 |
| Income before extraordinary items | $36,000 | 6,295 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $36,000 | 6,295 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $36,000 | 6,295 |
| Net charge-offs | $5,000 | 5,162 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $36,000 | 6,158 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $523,000 | 6,289 |
| Total interest expense | $58,000 | 6,562 |
| Net interest income | $465,000 | 6,153 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $99,000 | 4,948 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $36,000 | 4,904 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $63,000 | 4,373 |
| Total noninterest expense | $552,000 | 5,571 |
| Salaries and employee benefits | $350,000 | 5,130 |
| Premises and equipment expense | $36,000 | 6,314 |
| Additional noninterest expense | $166,000 | 5,756 |
| Pre-tax net operating income | $12,000 | 6,305 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $23,000 | 3,599 |
| Income before extraordinary items | $-11,000 | 6,585 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-11,000 | 6,585 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-11,000 | 6,585 |
| Net charge-offs | $7,000 | 4,174 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-11,000 | 6,485 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,383,000 | 6,182 |
| Total interest expense | $304,000 | 6,537 |
| Net interest income | $2,079,000 | 6,005 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $587,000 | 4,117 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $171,000 | 4,667 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $416,000 | 3,375 |
| Total noninterest expense | $2,353,000 | 5,473 |
| Salaries and employee benefits | $1,424,000 | 5,092 |
| Premises and equipment expense | $169,000 | 6,263 |
| Additional noninterest expense | $760,000 | 5,507 |
| Pre-tax net operating income | $313,000 | 5,205 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $79,000 | 3,510 |
| Income before extraordinary items | $234,000 | 5,447 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $234,000 | 5,449 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $234,000 | 5,449 |
| Net charge-offs | $-19,000 | 7,087 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $683,000 | 375 |
| Net operating income | $234,000 | 5,331 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 6,203 |
| Total interest expense | $244,000 | 6,564 |
| Net interest income | $1,582,000 | 6,025 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $423,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $127,000 | 4,697 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $296,000 | 3,479 |
| Total noninterest expense | $1,757,000 | 5,511 |
| Salaries and employee benefits | $1,060,000 | 5,108 |
| Premises and equipment expense | $126,000 | 6,306 |
| Additional noninterest expense | $571,000 | 5,554 |
| Pre-tax net operating income | $248,000 | 5,293 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $68,000 | 3,464 |
| Income before extraordinary items | $180,000 | 5,572 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $180,000 | 5,573 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $180,000 | 5,573 |
| Net charge-offs | $-18,000 | 7,098 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $683,000 | 314 |
| Net operating income | $180,000 | 5,440 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,233,000 | 6,233 |
| Total interest expense | $177,000 | 6,570 |
| Net interest income | $1,056,000 | 6,062 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $260,000 | 4,407 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $90,000 | 4,586 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $170,000 | 3,753 |
| Total noninterest expense | $1,187,000 | 5,534 |
| Salaries and employee benefits | $703,000 | 5,160 |
| Premises and equipment expense | $81,000 | 6,409 |
| Additional noninterest expense | $403,000 | 5,515 |
| Pre-tax net operating income | $129,000 | 5,526 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $45,000 | 3,423 |
| Income before extraordinary items | $84,000 | 5,800 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $84,000 | 5,799 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $84,000 | 5,800 |
| Net charge-offs | $-16,000 | 7,111 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $683,000 | 191 |
| Net operating income | $84,000 | 5,721 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $628,000 | 6,233 |
| Total interest expense | $100,000 | 6,519 |
| Net interest income | $528,000 | 6,076 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $121,000 | 4,584 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $42,000 | 4,666 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $79,000 | 3,929 |
| Total noninterest expense | $611,000 | 5,509 |
| Salaries and employee benefits | $377,000 | 5,012 |
| Premises and equipment expense | $41,000 | 6,442 |
| Additional noninterest expense | $193,000 | 5,629 |
| Pre-tax net operating income | $38,000 | 5,907 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $23,000 | 3,360 |
| Income before extraordinary items | $15,000 | 6,185 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $15,000 | 6,184 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $15,000 | 6,185 |
| Net charge-offs | $-15,000 | 7,126 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $598,000 | 125 |
| Net operating income | $15,000 | 6,146 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,816,000 | 6,156 |
| Total interest expense | $593,000 | 6,276 |
| Net interest income | $2,223,000 | 6,034 |
| Provision for loan and lease losses | $300,000 | 4,839 |
| Total noninterest income | $521,000 | 4,479 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $167,000 | 4,739 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $354,000 | 3,701 |
| Total noninterest expense | $2,531,000 | 5,479 |
| Salaries and employee benefits | $1,539,000 | 4,997 |
| Premises and equipment expense | $162,000 | 6,527 |
| Additional noninterest expense | $830,000 | 5,547 |
| Pre-tax net operating income | $-87,000 | 5,920 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-91,000 | 6,819 |
| Income before extraordinary items | $4,000 | 5,949 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,000 | 5,949 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $4,000 | 5,949 |
| Net charge-offs | $-27,000 | 7,528 |
| Cash dividends | $46,000 | 3,985 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $4,000 | 5,819 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,154,000 | 6,231 |
| Total interest expense | $459,000 | 6,362 |
| Net interest income | $1,695,000 | 6,094 |
| Provision for loan and lease losses | $300,000 | 4,314 |
| Total noninterest income | $303,000 | 5,035 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $125,000 | 4,809 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $178,000 | 4,370 |
| Total noninterest expense | $1,823,000 | 5,599 |
| Salaries and employee benefits | $1,073,000 | 5,217 |
| Premises and equipment expense | $121,000 | 6,620 |
| Additional noninterest expense | $629,000 | 5,532 |
| Pre-tax net operating income | $-125,000 | 6,190 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $60,000 | 3,466 |
| Income before extraordinary items | $-185,000 | 6,422 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-185,000 | 6,423 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-185,000 | 6,422 |
| Net charge-offs | $-26,000 | 7,576 |
| Cash dividends | $46,000 | 3,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-185,000 | 6,332 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 6,286 |
| Total interest expense | $303,000 | 6,474 |
| Net interest income | $1,127,000 | 6,121 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $178,000 | 5,217 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $77,000 | 4,938 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $101,000 | 4,633 |
| Total noninterest expense | $1,201,000 | 5,666 |
| Salaries and employee benefits | $701,000 | 5,313 |
| Premises and equipment expense | $77,000 | 6,712 |
| Additional noninterest expense | $423,000 | 5,538 |
| Pre-tax net operating income | $104,000 | 5,483 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $38,000 | 3,460 |
| Income before extraordinary items | $66,000 | 5,773 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $66,000 | 5,775 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $66,000 | 5,774 |
| Net charge-offs | $4,000 | 6,102 |
| Cash dividends | $46,000 | 3,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $66,000 | 5,658 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $730,000 | 6,325 |
| Total interest expense | $153,000 | 6,574 |
| Net interest income | $577,000 | 6,091 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $78,000 | 5,464 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $36,000 | 5,055 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $42,000 | 4,970 |
| Total noninterest expense | $556,000 | 5,915 |
| Salaries and employee benefits | $323,000 | 5,600 |
| Premises and equipment expense | $38,000 | 6,814 |
| Additional noninterest expense | $195,000 | 5,755 |
| Pre-tax net operating income | $99,000 | 5,062 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $23,000 | 3,365 |
| Income before extraordinary items | $76,000 | 5,317 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $76,000 | 5,317 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $76,000 | 5,317 |
| Net charge-offs | $-1,000 | 6,806 |
| Cash dividends | $46,000 | 2,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $76,000 | 5,201 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,110,000 | 6,288 |
| Total interest expense | $694,000 | 6,699 |
| Net interest income | $2,416,000 | 5,915 |
| Provision for loan and lease losses | $154,000 | 6,036 |
| Total noninterest income | $371,000 | 5,248 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $164,000 | 4,998 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $207,000 | 4,578 |
| Total noninterest expense | $2,535,000 | 5,644 |
| Salaries and employee benefits | $1,478,000 | 5,246 |
| Premises and equipment expense | $177,000 | 6,674 |
| Additional noninterest expense | $880,000 | 5,576 |
| Pre-tax net operating income | $98,000 | 5,096 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $45,000 | 3,312 |
| Income before extraordinary items | $53,000 | 5,337 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $53,000 | 5,336 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $53,000 | 5,336 |
| Net charge-offs | $159,000 | 5,261 |
| Cash dividends | $40,000 | 4,456 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $53,000 | 5,276 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,360,000 | 6,323 |
| Total interest expense | $533,000 | 6,788 |
| Net interest income | $1,827,000 | 5,919 |
| Provision for loan and lease losses | $85,000 | 6,170 |
| Total noninterest income | $273,000 | 5,367 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $120,000 | 5,077 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $153,000 | 4,721 |
| Total noninterest expense | $1,736,000 | 5,895 |
| Salaries and employee benefits | $1,003,000 | 5,571 |
| Premises and equipment expense | $116,000 | 6,934 |
| Additional noninterest expense | $617,000 | 5,751 |
| Pre-tax net operating income | $279,000 | 4,610 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $8,000 | 4,112 |
| Income before extraordinary items | $271,000 | 4,545 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $271,000 | 4,544 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $271,000 | 4,546 |
| Net charge-offs | $88,000 | 5,172 |
| Cash dividends | $40,000 | 3,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $271,000 | 4,469 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 6,364 |
| Total interest expense | $358,000 | 6,891 |
| Net interest income | $1,224,000 | 5,923 |
| Provision for loan and lease losses | $63,000 | 5,798 |
| Total noninterest income | $186,000 | 5,348 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $76,000 | 5,160 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $110,000 | 4,632 |
| Total noninterest expense | $1,170,000 | 5,923 |
| Salaries and employee benefits | $684,000 | 5,563 |
| Premises and equipment expense | $75,000 | 7,046 |
| Additional noninterest expense | $411,000 | 5,757 |
| Pre-tax net operating income | $177,000 | 4,777 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $8,000 | 4,086 |
| Income before extraordinary items | $169,000 | 4,739 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $169,000 | 4,736 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $169,000 | 4,736 |
| Net charge-offs | $42,000 | 5,063 |
| Cash dividends | $40,000 | 3,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $169,000 | 4,644 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $809,000 | 6,365 |
| Total interest expense | $189,000 | 6,906 |
| Net interest income | $620,000 | 5,915 |
| Provision for loan and lease losses | $25,000 | 5,698 |
| Total noninterest income | $83,000 | 5,525 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $35,000 | 5,255 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $48,000 | 4,911 |
| Total noninterest expense | $562,000 | 5,968 |
| Salaries and employee benefits | $335,000 | 5,681 |
| Premises and equipment expense | $36,000 | 7,140 |
| Additional noninterest expense | $191,000 | 5,708 |
| Pre-tax net operating income | $116,000 | 4,859 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $8,000 | 4,098 |
| Income before extraordinary items | $108,000 | 4,842 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $108,000 | 4,847 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $108,000 | 4,845 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $40,000 | 2,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $108,000 | 4,673 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,578,000 | 6,270 |
| Total interest expense | $1,178,000 | 6,475 |
| Net interest income | $2,400,000 | 5,994 |
| Provision for loan and lease losses | $392,000 | 4,170 |
| Total noninterest income | $548,000 | 4,650 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $185,000 | 4,937 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $363,000 | 3,754 |
| Total noninterest expense | $2,642,000 | 5,490 |
| Salaries and employee benefits | $1,574,000 | 5,186 |
| Premises and equipment expense | $148,000 | 7,161 |
| Additional noninterest expense | $920,000 | 5,083 |
| Pre-tax net operating income | $-86,000 | 6,440 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $21,000 | 4,257 |
| Income before extraordinary items | $-107,000 | 6,367 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-107,000 | 6,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $340,000 | 3,356 |
| Cash dividends | $47,000 | 5,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-107,000 | 6,516 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,736,000 | 6,303 |
| Total interest expense | $965,000 | 6,421 |
| Net interest income | $1,771,000 | 6,083 |
| Provision for loan and lease losses | $392,000 | 3,117 |
| Total noninterest income | $340,000 | 5,134 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $142,000 | 4,935 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $198,000 | 4,435 |
| Total noninterest expense | $1,971,000 | 5,495 |
| Salaries and employee benefits | $1,127,000 | 5,343 |
| Premises and equipment expense | $107,000 | 7,267 |
| Additional noninterest expense | $737,000 | 4,803 |
| Pre-tax net operating income | $-252,000 | 7,071 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $59,000 | 4,002 |
| Income before extraordinary items | $-311,000 | 7,034 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-311,000 | 7,031 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 2,392 |
| Cash dividends | $47,000 | 4,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-311,000 | 7,182 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,890,000 | 6,272 |
| Total interest expense | $693,000 | 6,375 |
| Net interest income | $1,197,000 | 6,072 |
| Provision for loan and lease losses | $197,000 | 3,191 |
| Total noninterest income | $204,000 | 5,386 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $94,000 | 4,946 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $110,000 | 4,890 |
| Total noninterest expense | $1,330,000 | 5,499 |
| Salaries and employee benefits | $762,000 | 5,361 |
| Premises and equipment expense | $71,000 | 7,323 |
| Additional noninterest expense | $497,000 | 4,737 |
| Pre-tax net operating income | $-126,000 | 7,240 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $41,000 | 4,216 |
| Income before extraordinary items | $-167,000 | 7,358 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-167,000 | 7,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,909 |
| Cash dividends | $47,000 | 4,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-167,000 | 7,331 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,010,000 | 6,197 |
| Total interest expense | $376,000 | 6,364 |
| Net interest income | $634,000 | 5,955 |
| Provision for loan and lease losses | $91,000 | 2,842 |
| Total noninterest income | $99,000 | 5,443 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $47,000 | 4,917 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $52,000 | 4,970 |
| Total noninterest expense | $640,000 | 5,628 |
| Salaries and employee benefits | $352,000 | 5,614 |
| Premises and equipment expense | $33,000 | 7,431 |
| Additional noninterest expense | $255,000 | 4,622 |
| Pre-tax net operating income | $2,000 | 7,144 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $22,000 | 4,307 |
| Income before extraordinary items | $-20,000 | 7,390 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-20,000 | 7,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,099 |
| Cash dividends | $47,000 | 3,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-20,000 | 7,321 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,598,000 | 5,934 |
| Total interest expense | $1,840,000 | 6,012 |
| Net interest income | $2,758,000 | 5,706 |
| Provision for loan and lease losses | $439,000 | 2,551 |
| Total noninterest income | $594,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $190,000 | 5,003 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $404,000 | 3,712 |
| Total noninterest expense | $2,597,000 | 5,487 |
| Salaries and employee benefits | $1,501,000 | 5,301 |
| Premises and equipment expense | $135,000 | 7,396 |
| Additional noninterest expense | $961,000 | 4,774 |
| Pre-tax net operating income | $316,000 | 6,546 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $73,000 | 4,697 |
| Income before extraordinary items | $243,000 | 6,633 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $243,000 | 6,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,760 |
| Cash dividends | $30,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $243,000 | 6,617 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,555,000 | 5,875 |
| Total interest expense | $1,466,000 | 5,910 |
| Net interest income | $2,089,000 | 5,717 |
| Provision for loan and lease losses | $189,000 | 3,086 |
| Total noninterest income | $346,000 | 5,238 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $138,000 | 5,088 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $208,000 | 4,415 |
| Total noninterest expense | $1,841,000 | 5,628 |
| Salaries and employee benefits | $1,036,000 | 5,523 |
| Premises and equipment expense | $97,000 | 7,433 |
| Additional noninterest expense | $708,000 | 4,763 |
| Pre-tax net operating income | $405,000 | 6,154 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $258,000 | 3,390 |
| Income before extraordinary items | $147,000 | 7,044 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $147,000 | 7,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,280 |
| Cash dividends | $30,000 | 5,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $147,000 | 7,035 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,485,000 | 5,786 |
| Total interest expense | $1,037,000 | 5,776 |
| Net interest income | $1,448,000 | 5,664 |
| Provision for loan and lease losses | $114,000 | 3,113 |
| Total noninterest income | $234,000 | 5,249 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $89,000 | 5,167 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $145,000 | 4,376 |
| Total noninterest expense | $1,218,000 | 5,682 |
| Salaries and employee benefits | $701,000 | 5,546 |
| Premises and equipment expense | $63,000 | 7,498 |
| Additional noninterest expense | $454,000 | 4,889 |
| Pre-tax net operating income | $350,000 | 5,761 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $258,000 | 2,923 |
| Income before extraordinary items | $92,000 | 7,172 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $92,000 | 7,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 2,221 |
| Cash dividends | $30,000 | 4,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $92,000 | 7,164 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,269,000 | 5,739 |
| Total interest expense | $541,000 | 5,662 |
| Net interest income | $728,000 | 5,661 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $114,000 | 5,237 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $43,000 | 5,170 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $71,000 | 4,430 |
| Total noninterest expense | $577,000 | 5,864 |
| Salaries and employee benefits | $324,000 | 5,842 |
| Premises and equipment expense | $31,000 | 7,555 |
| Additional noninterest expense | $222,000 | 4,909 |
| Pre-tax net operating income | $265,000 | 4,929 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $129,000 | 2,943 |
| Income before extraordinary items | $136,000 | 5,846 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $136,000 | 5,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 1,781 |
| Cash dividends | $30,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $136,000 | 5,826 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,396,000 | 5,889 |
| Total interest expense | $1,668,000 | 5,863 |
| Net interest income | $2,728,000 | 5,789 |
| Provision for loan and lease losses | $186,000 | 3,661 |
| Total noninterest income | $629,000 | 4,610 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $206,000 | 4,921 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $423,000 | 3,643 |
| Total noninterest expense | $2,408,000 | 5,604 |
| Salaries and employee benefits | $1,462,000 | 5,288 |
| Premises and equipment expense | $127,000 | 7,528 |
| Additional noninterest expense | $819,000 | 5,165 |
| Pre-tax net operating income | $763,000 | 5,745 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $283,000 | 3,887 |
| Income before extraordinary items | $480,000 | 6,229 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $480,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,851 |
| Cash dividends | $35,000 | 5,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $480,000 | 6,226 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,211,000 | 5,976 |
| Total interest expense | $1,239,000 | 5,841 |
| Net interest income | $1,972,000 | 5,944 |
| Provision for loan and lease losses | $112,000 | 3,920 |
| Total noninterest income | $397,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $159,000 | 4,912 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,179 |
| Total noninterest expense | $1,720,000 | 5,738 |
| Salaries and employee benefits | $1,025,000 | 5,472 |
| Premises and equipment expense | $92,000 | 7,577 |
| Additional noninterest expense | $603,000 | 5,195 |
| Pre-tax net operating income | $537,000 | 6,081 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $144,000 | 4,510 |
| Income before extraordinary items | $393,000 | 6,268 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $393,000 | 6,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,854 |
| Cash dividends | $35,000 | 5,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $393,000 | 6,263 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 6,077 |
| Total interest expense | $767,000 | 5,917 |
| Net interest income | $1,262,000 | 6,088 |
| Provision for loan and lease losses | $76,000 | 3,776 |
| Total noninterest income | $260,000 | 5,056 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $107,000 | 4,870 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $153,000 | 4,278 |
| Total noninterest expense | $1,167,000 | 5,700 |
| Salaries and employee benefits | $706,000 | 5,396 |
| Premises and equipment expense | $58,000 | 7,664 |
| Additional noninterest expense | $403,000 | 5,184 |
| Pre-tax net operating income | $279,000 | 6,591 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $60,000 | 5,067 |
| Income before extraordinary items | $219,000 | 6,593 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $219,000 | 6,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $35,000 | 4,888 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $219,000 | 6,589 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $977,000 | 6,154 |
| Total interest expense | $366,000 | 5,920 |
| Net interest income | $611,000 | 6,186 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $115,000 | 5,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,677 |
| Total noninterest expense | $541,000 | 5,946 |
| Salaries and employee benefits | $342,000 | 5,508 |
| Premises and equipment expense | $25,000 | 7,853 |
| Additional noninterest expense | $174,000 | 5,609 |
| Pre-tax net operating income | $165,000 | 6,229 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $21,000 | 5,307 |
| Income before extraordinary items | $144,000 | 6,046 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $35,000 | 3,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $144,000 | 6,045 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,335,000 | 6,324 |
| Total interest expense | $1,074,000 | 6,107 |
| Net interest income | $2,261,000 | 6,308 |
| Provision for loan and lease losses | $58,000 | 5,597 |
| Total noninterest income | $580,000 | 4,873 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $179,000 | 5,271 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $401,000 | 3,775 |
| Total noninterest expense | $2,436,000 | 5,452 |
| Salaries and employee benefits | $1,492,000 | 5,065 |
| Premises and equipment expense | $124,000 | 7,598 |
| Additional noninterest expense | $820,000 | 5,086 |
| Pre-tax net operating income | $347,000 | 7,236 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $78,000 | 5,566 |
| Income before extraordinary items | $269,000 | 7,311 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $269,000 | 7,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,835 |
| Cash dividends | $25,000 | 5,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $269,000 | 7,291 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,437,000 | 6,384 |
| Total interest expense | $776,000 | 6,091 |
| Net interest income | $1,661,000 | 6,394 |
| Provision for loan and lease losses | $58,000 | 5,018 |
| Total noninterest income | $311,000 | 5,694 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $128,000 | 5,401 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $183,000 | 4,802 |
| Total noninterest expense | $1,732,000 | 5,594 |
| Salaries and employee benefits | $1,045,000 | 5,278 |
| Premises and equipment expense | $77,000 | 7,839 |
| Additional noninterest expense | $610,000 | 5,064 |
| Pre-tax net operating income | $182,000 | 7,706 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $139,000 | 4,889 |
| Income before extraordinary items | $43,000 | 8,211 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $43,000 | 8,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,778 |
| Cash dividends | $25,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $43,000 | 8,179 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,588,000 | 6,395 |
| Total interest expense | $468,000 | 6,202 |
| Net interest income | $1,120,000 | 6,371 |
| Provision for loan and lease losses | $58,000 | 4,382 |
| Total noninterest income | $201,000 | 5,719 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $83,000 | 5,411 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $118,000 | 4,849 |
| Total noninterest expense | $1,190,000 | 5,503 |
| Salaries and employee benefits | $709,000 | 5,206 |
| Premises and equipment expense | $54,000 | 7,770 |
| Additional noninterest expense | $427,000 | 4,879 |
| Pre-tax net operating income | $73,000 | 8,015 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $97,000 | 4,848 |
| Income before extraordinary items | $-24,000 | 8,432 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-24,000 | 8,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $25,000 | 4,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-24,000 | 8,399 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $788,000 | 6,420 |
| Total interest expense | $235,000 | 6,135 |
| Net interest income | $553,000 | 6,433 |
| Provision for loan and lease losses | $11,000 | 5,337 |
| Total noninterest income | $95,000 | 5,801 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $41,000 | 5,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $553,000 | 5,761 |
| Salaries and employee benefits | $331,000 | 5,472 |
| Premises and equipment expense | $30,000 | 7,706 |
| Additional noninterest expense | $192,000 | 5,230 |
| Pre-tax net operating income | $84,000 | 7,434 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $46,000 | 4,870 |
| Income before extraordinary items | $38,000 | 7,964 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $38,000 | 7,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $25,000 | 3,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $38,000 | 7,937 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,186,000 | 6,256 |
| Total interest expense | $783,000 | 6,322 |
| Net interest income | $2,403,000 | 6,127 |
| Provision for loan and lease losses | $95,000 | 5,096 |
| Total noninterest income | $587,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $215,000 | 5,073 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $372,000 | 3,850 |
| Total noninterest expense | $2,444,000 | 5,383 |
| Salaries and employee benefits | $1,509,000 | 4,926 |
| Premises and equipment expense | $121,000 | 7,699 |
| Additional noninterest expense | $814,000 | 5,033 |
| Pre-tax net operating income | $451,000 | 6,861 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $121,000 | 5,326 |
| Income before extraordinary items | $330,000 | 7,108 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $330,000 | 7,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,826 |
| Cash dividends | $33,000 | 5,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $330,000 | 7,052 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,405,000 | 6,237 |
| Total interest expense | $581,000 | 6,328 |
| Net interest income | $1,824,000 | 6,097 |
| Provision for loan and lease losses | $79,000 | 4,750 |
| Total noninterest income | $339,000 | 5,550 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $163,000 | 5,094 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $176,000 | 4,774 |
| Total noninterest expense | $1,779,000 | 5,442 |
| Salaries and employee benefits | $1,066,000 | 5,081 |
| Premises and equipment expense | $93,000 | 7,655 |
| Additional noninterest expense | $620,000 | 4,947 |
| Pre-tax net operating income | $305,000 | 7,178 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $200,000 | 4,434 |
| Income before extraordinary items | $105,000 | 8,041 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $105,000 | 8,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 3,278 |
| Cash dividends | $33,000 | 5,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $105,000 | 7,989 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,605,000 | 6,248 |
| Total interest expense | $367,000 | 6,492 |
| Net interest income | $1,238,000 | 6,062 |
| Provision for loan and lease losses | $51,000 | 4,664 |
| Total noninterest income | $215,000 | 5,659 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $105,000 | 5,166 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $110,000 | 4,970 |
| Total noninterest expense | $1,138,000 | 5,605 |
| Salaries and employee benefits | $692,000 | 5,213 |
| Premises and equipment expense | $61,000 | 7,711 |
| Additional noninterest expense | $385,000 | 5,193 |
| Pre-tax net operating income | $264,000 | 6,744 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $152,000 | 4,229 |
| Income before extraordinary items | $112,000 | 7,661 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $112,000 | 7,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,778 |
| Cash dividends | $33,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $112,000 | 7,590 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $811,000 | 6,222 |
| Total interest expense | $190,000 | 6,474 |
| Net interest income | $621,000 | 6,039 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $127,000 | 5,178 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $50,000 | 5,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $77,000 | 4,245 |
| Total noninterest expense | $593,000 | 5,492 |
| Salaries and employee benefits | $358,000 | 5,107 |
| Premises and equipment expense | $29,000 | 7,823 |
| Additional noninterest expense | $206,000 | 4,963 |
| Pre-tax net operating income | $155,000 | 6,374 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $76,000 | 4,215 |
| Income before extraordinary items | $79,000 | 7,246 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $79,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $33,000 | 3,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $79,000 | 7,166 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,635,000 | 5,936 |
| Total interest expense | $921,000 | 6,346 |
| Net interest income | $2,714,000 | 5,625 |
| Provision for loan and lease losses | $594,000 | 1,898 |
| Total noninterest income | $647,000 | 4,765 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $220,000 | 5,059 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $427,000 | 3,845 |
| Total noninterest expense | $2,100,000 | 5,830 |
| Salaries and employee benefits | $1,183,000 | 5,693 |
| Premises and equipment expense | $132,000 | 7,638 |
| Additional noninterest expense | $785,000 | 5,119 |
| Pre-tax net operating income | $667,000 | 6,106 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $276,000 | 4,407 |
| Income before extraordinary items | $391,000 | 6,855 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $391,000 | 6,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 1,623 |
| Cash dividends | $17,000 | 6,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $391,000 | 6,699 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,693,000 | 6,030 |
| Total interest expense | $710,000 | 6,423 |
| Net interest income | $1,983,000 | 5,739 |
| Provision for loan and lease losses | $455,000 | 1,790 |
| Total noninterest income | $366,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $158,000 | 5,187 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $208,000 | 4,724 |
| Total noninterest expense | $1,533,000 | 5,912 |
| Salaries and employee benefits | $855,000 | 5,777 |
| Premises and equipment expense | $98,000 | 7,671 |
| Additional noninterest expense | $580,000 | 5,135 |
| Pre-tax net operating income | $361,000 | 6,894 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $220,000 | 4,501 |
| Income before extraordinary items | $141,000 | 7,962 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $141,000 | 7,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,562 |
| Cash dividends | $17,000 | 5,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $141,000 | 7,820 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,825,000 | 6,020 |
| Total interest expense | $478,000 | 6,519 |
| Net interest income | $1,347,000 | 5,679 |
| Provision for loan and lease losses | $131,000 | 3,324 |
| Total noninterest income | $234,000 | 5,637 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $103,000 | 5,211 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $131,000 | 4,832 |
| Total noninterest expense | $990,000 | 6,025 |
| Salaries and employee benefits | $552,000 | 5,902 |
| Premises and equipment expense | $66,000 | 7,663 |
| Additional noninterest expense | $372,000 | 5,262 |
| Pre-tax net operating income | $460,000 | 5,529 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $135,000 | 4,667 |
| Income before extraordinary items | $325,000 | 5,928 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $325,000 | 5,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,283 |
| Cash dividends | $17,000 | 5,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $325,000 | 5,705 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $901,000 | 6,098 |
| Total interest expense | $257,000 | 6,407 |
| Net interest income | $644,000 | 5,819 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $50,000 | 5,192 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $55,000 | 5,085 |
| Total noninterest expense | $497,000 | 6,014 |
| Salaries and employee benefits | $290,000 | 5,735 |
| Premises and equipment expense | $35,000 | 7,597 |
| Additional noninterest expense | $172,000 | 5,511 |
| Pre-tax net operating income | $197,000 | 5,876 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $60,000 | 4,823 |
| Income before extraordinary items | $137,000 | 6,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $137,000 | 6,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,406 |
| Cash dividends | $17,000 | 3,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $137,000 | 6,058 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,604,000 | 6,241 |
| Total interest expense | $1,181,000 | 6,477 |
| Net interest income | $2,423,000 | 6,012 |
| Provision for loan and lease losses | $235,000 | 4,028 |
| Total noninterest income | $493,000 | 5,257 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $201,000 | 5,177 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $292,000 | 4,321 |
| Total noninterest expense | $1,984,000 | 5,891 |
| Salaries and employee benefits | $1,119,000 | 5,749 |
| Premises and equipment expense | $102,000 | 8,142 |
| Additional noninterest expense | $763,000 | 5,100 |
| Pre-tax net operating income | $697,000 | 6,098 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $252,000 | 4,747 |
| Income before extraordinary items | $445,000 | 6,626 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $445,000 | 6,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 3,083 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $445,000 | 6,503 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,433,000 | 6,817 |
| Total interest expense | $1,564,000 | 6,859 |
| Net interest income | $1,869,000 | 6,671 |
| Provision for loan and lease losses | $215,000 | 3,959 |
| Total noninterest income | $351,000 | 6,017 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $153,000 | 5,765 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $198,000 | 4,944 |
| Total noninterest expense | $1,691,000 | 6,359 |
| Salaries and employee benefits | $970,000 | 6,091 |
| Premises and equipment expense | $143,000 | 7,644 |
| Additional noninterest expense | $578,000 | 5,982 |
| Pre-tax net operating income | $314,000 | 7,347 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $54,000 | 6,641 |
| Income before extraordinary items | $260,000 | 7,373 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $260,000 | 7,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,101 |
| Cash dividends | $22,000 | 6,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $260,000 | 7,254 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,010,000 | 7,403 |
| Total interest expense | $1,446,000 | 7,264 |
| Net interest income | $1,564,000 | 7,355 |
| Provision for loan and lease losses | $100,000 | 5,274 |
| Total noninterest income | $275,000 | 6,521 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,220 |
| Total noninterest expense | $1,286,000 | 7,284 |
| Salaries and employee benefits | $753,000 | 6,958 |
| Premises and equipment expense | $60,000 | 9,173 |
| Additional noninterest expense | $473,000 | 6,630 |
| Pre-tax net operating income | $453,000 | 7,225 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $132,000 | 6,132 |
| Income before extraordinary items | $321,000 | 7,342 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $321,000 | 7,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $321,000 | 7,346 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,663,000 | 7,729 |
| Total interest expense | $1,234,000 | 7,554 |
| Net interest income | $1,429,000 | 7,735 |
| Provision for loan and lease losses | $140,000 | 4,418 |
| Total noninterest income | $259,000 | 6,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,565 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $243,000 | 4,494 |
| Total noninterest expense | $1,157,000 | 7,679 |
| Salaries and employee benefits | $662,000 | 7,433 |
| Premises and equipment expense | $61,000 | 9,406 |
| Additional noninterest expense | $434,000 | 7,016 |
| Pre-tax net operating income | $391,000 | 7,641 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $132,000 | 6,486 |
| Income before extraordinary items | $259,000 | 7,873 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $259,000 | 7,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 3,156 |
| Cash dividends | $19,000 | 6,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $259,000 | 7,843 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,315,000 | 8,295 |
| Total interest expense | $1,044,000 | 8,305 |
| Net interest income | $1,271,000 | 8,179 |
| Provision for loan and lease losses | $54,000 | 6,469 |
| Total noninterest income | $260,000 | 6,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,758 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $243,000 | 4,485 |
| Total noninterest expense | $1,168,000 | 7,628 |
| Salaries and employee benefits | $654,000 | 7,455 |
| Premises and equipment expense | $185,000 | 6,955 |
| Additional noninterest expense | $329,000 | 7,852 |
| Pre-tax net operating income | $309,000 | 8,335 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $93,000 | 7,642 |
| Income before extraordinary items | $216,000 | 8,504 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $216,000 | 8,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,193 |
| Cash dividends | $48,000 | 6,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $216,000 | 8,425 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,744,000 | 9,365 |
| Total interest expense | $747,000 | 9,417 |
| Net interest income | $997,000 | 9,201 |
| Provision for loan and lease losses | $118,000 | 4,844 |
| Total noninterest income | $167,000 | 8,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,106 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 5,775 |
| Total noninterest expense | $922,000 | 8,600 |
| Salaries and employee benefits | $525,000 | 8,423 |
| Premises and equipment expense | $112,000 | 8,682 |
| Additional noninterest expense | $285,000 | 8,477 |
| Pre-tax net operating income | $124,000 | 9,973 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $6,000 | 9,950 |
| Income before extraordinary items | $119,000 | 9,842 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $119,000 | 9,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,981 |
| Cash dividends | $19,000 | 7,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $118,050 | 9,804 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,463,000 | 10,164 |
| Total interest expense | $647,000 | 10,129 |
| Net interest income | $816,000 | 10,070 |
| Provision for loan and lease losses | $30,000 | 7,397 |
| Total noninterest income | $131,000 | 9,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,517 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,916 |
| Total noninterest expense | $680,000 | 9,874 |
| Salaries and employee benefits | $406,000 | 9,566 |
| Premises and equipment expense | $44,000 | 10,805 |
| Additional noninterest expense | $230,000 | 9,603 |
| Pre-tax net operating income | $237,000 | 9,564 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $55,000 | 9,603 |
| Income before extraordinary items | $182,000 | 9,473 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $182,000 | 9,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $81,000 | 7,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $182,000 | 9,414 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,380,000 | 10,719 |
| Total interest expense | $602,000 | 10,655 |
| Net interest income | $778,000 | 10,600 |
| Provision for loan and lease losses | $29,000 | 7,212 |
| Total noninterest income | $145,000 | 9,397 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 9,934 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $122,000 | 6,598 |
| Total noninterest expense | $721,000 | 10,105 |
| Salaries and employee benefits | $426,000 | 9,728 |
| Premises and equipment expense | $54,000 | 10,964 |
| Additional noninterest expense | $241,000 | 9,924 |
| Pre-tax net operating income | $173,000 | 10,625 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $31,000 | 10,571 |
| Income before extraordinary items | $142,000 | 10,538 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $142,000 | 10,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,181 |
| Cash dividends | $107,000 | 6,659 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $142,000 | 10,505 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 11,379 |
| Total interest expense | $458,000 | 11,284 |
| Net interest income | $730,000 | 11,275 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $120,000 | 10,295 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 10,462 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,636 |
| Total noninterest expense | $716,000 | 10,631 |
| Salaries and employee benefits | $423,000 | 10,073 |
| Premises and equipment expense | $49,000 | 11,666 |
| Additional noninterest expense | $244,000 | 10,595 |
| Pre-tax net operating income | $134,000 | 11,383 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $26,000 | 11,018 |
| Income before extraordinary items | $108,000 | 11,310 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $108,000 | 11,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,399 |
| Cash dividends | $60,000 | 7,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $108,000 | 11,347 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 11,910 |
| Total interest expense | $486,000 | 11,752 |
| Net interest income | $705,000 | 11,856 |
| Provision for loan and lease losses | $8,000 | 9,904 |
| Total noninterest income | $120,000 | 10,833 |
| 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 | $97,000 | 7,960 |
| Total noninterest expense | $700,000 | 11,170 |
| Salaries and employee benefits | $412,000 | 10,509 |
| Premises and equipment expense | $49,000 | 12,246 |
| Additional noninterest expense | $239,000 | 11,210 |
| Pre-tax net operating income | $117,000 | 11,741 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $9,000 | 11,851 |
| Income before extraordinary items | $108,000 | 11,719 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $108,000 | 11,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 6,126 |
| Cash dividends | $57,000 | 7,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $108,000 | 11,519 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,417,000 | 12,151 |
| Total interest expense | $684,000 | 11,900 |
| Net interest income | $733,000 | 12,176 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $103,000 | 11,644 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $24,000 | 11,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,899 |
| Total noninterest expense | $699,000 | 11,523 |
| Salaries and employee benefits | $369,000 | 11,230 |
| Premises and equipment expense | $62,000 | 12,181 |
| Additional noninterest expense | $268,000 | 11,302 |
| Pre-tax net operating income | $101,000 | 12,017 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $22,000 | 12,047 |
| Income before extraordinary items | $79,000 | 12,232 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $79,000 | 12,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 7,780 |
| Cash dividends | $72,000 | 7,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $79,000 | 11,938 |
* 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.