Home > The Guernsey Bank > Income and Expense
The Guernsey Bank, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,403,000 | 4,102 |
| Total interest expense | $547,000 | 2,485 |
| Net interest income | $1,856,000 | 4,390 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $43,000 | 6,188 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $25,000 | 5,808 |
| Trading account gains and fees | $-47,000 | 6,638 |
| Additional Noninterest Income | $65,000 | 5,072 |
| Total noninterest expense | $1,977,000 | 3,897 |
| Salaries and employee benefits | $1,018,000 | 3,983 |
| Premises and equipment expense | $346,000 | 2,989 |
| Additional noninterest expense | $613,000 | 4,047 |
| Pre-tax net operating income | $-78,000 | 6,315 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $-78,000 | 6,329 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-78,000 | 6,330 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $-78,000 | 6,331 |
| Net charge-offs | $-5,000 | 5,456 |
| Cash dividends | $176,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $-78,000 | 6,319 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,203,000 | 4,120 |
| Total interest expense | $272,000 | 2,523 |
| Net interest income | $931,000 | 4,421 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $54,000 | 5,439 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $12,000 | 5,863 |
| Trading account gains and fees | $-4,000 | 6,693 |
| Additional Noninterest Income | $46,000 | 4,660 |
| Total noninterest expense | $1,026,000 | 3,835 |
| Salaries and employee benefits | $514,000 | 4,006 |
| Premises and equipment expense | $180,000 | 2,964 |
| Additional noninterest expense | $332,000 | 3,882 |
| Pre-tax net operating income | $-41,000 | 6,343 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $-41,000 | 6,366 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-41,000 | 6,366 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-41,000 | 6,367 |
| Net charge-offs | $-5,000 | 5,444 |
| Cash dividends | $113,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-41,000 | 6,358 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $5,300,000 | 3,923 |
| Total interest expense | $1,117,000 | 2,710 |
| Net interest income | $4,183,000 | 4,165 |
| Provision for loan and lease losses | $25,000 | 4,614 |
| Total noninterest income | $450,000 | 4,566 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $48,000 | 6,009 |
| Trading account gains and fees | $14,000 | 172 |
| Additional Noninterest Income | $388,000 | 3,711 |
| Total noninterest expense | $4,300,000 | 3,748 |
| Salaries and employee benefits | $2,112,000 | 3,951 |
| Premises and equipment expense | $699,000 | 2,973 |
| Additional noninterest expense | $1,489,000 | 3,675 |
| Pre-tax net operating income | $308,000 | 5,480 |
| Securities gains (losses) | $-430,000 | 6,701 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-122,000 | 6,353 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-122,000 | 6,354 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-122,000 | 6,355 |
| Net charge-offs | $158,000 | 3,279 |
| Cash dividends | $408,000 | 2,960 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $308,000 | 5,350 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,071,000 | 3,897 |
| Total interest expense | $835,000 | 2,804 |
| Net interest income | $3,236,000 | 4,121 |
| Provision for loan and lease losses | $25,000 | 4,386 |
| Total noninterest income | $461,000 | 4,159 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $36,000 | 6,086 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $425,000 | 3,262 |
| Total noninterest expense | $3,259,000 | 3,747 |
| Salaries and employee benefits | $1,595,000 | 3,953 |
| Premises and equipment expense | $519,000 | 3,020 |
| Additional noninterest expense | $1,145,000 | 3,618 |
| Pre-tax net operating income | $413,000 | 4,980 |
| Securities gains (losses) | $-430,000 | 6,826 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-17,000 | 6,366 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-17,000 | 6,368 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-17,000 | 6,367 |
| Net charge-offs | $158,000 | 2,805 |
| Cash dividends | $343,000 | 2,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $413,000 | 4,782 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,752,000 | 3,882 |
| Total interest expense | $571,000 | 2,814 |
| Net interest income | $2,181,000 | 4,080 |
| Provision for loan and lease losses | $25,000 | 4,134 |
| Total noninterest income | $366,000 | 3,862 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $24,000 | 6,093 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $342,000 | 3,020 |
| Total noninterest expense | $2,254,000 | 3,683 |
| Salaries and employee benefits | $1,104,000 | 3,878 |
| Premises and equipment expense | $353,000 | 2,974 |
| Additional noninterest expense | $797,000 | 3,508 |
| Pre-tax net operating income | $268,000 | 4,994 |
| Securities gains (losses) | $-24,000 | 6,743 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $244,000 | 5,033 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $244,000 | 5,036 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $244,000 | 5,037 |
| Net charge-offs | $163,000 | 2,292 |
| Cash dividends | $179,000 | 2,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $268,000 | 4,795 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 3,881 |
| Total interest expense | $293,000 | 2,829 |
| Net interest income | $1,101,000 | 4,060 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $220,000 | 3,499 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $13,000 | 6,030 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $207,000 | 2,736 |
| Total noninterest expense | $1,164,000 | 3,636 |
| Salaries and employee benefits | $555,000 | 3,907 |
| Premises and equipment expense | $179,000 | 2,971 |
| Additional noninterest expense | $430,000 | 3,333 |
| Pre-tax net operating income | $157,000 | 4,812 |
| Securities gains (losses) | $-14,000 | 6,839 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $143,000 | 4,810 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $143,000 | 4,811 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $143,000 | 4,812 |
| Net charge-offs | $10,000 | 3,448 |
| Cash dividends | $65,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $157,000 | 4,562 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,075,000 | 3,799 |
| Total interest expense | $1,367,000 | 2,911 |
| Net interest income | $4,708,000 | 3,967 |
| Provision for loan and lease losses | $115,000 | 4,549 |
| Total noninterest income | $-91,000 | 6,902 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $55,000 | 6,140 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-146,000 | 6,773 |
| Total noninterest expense | $4,502,000 | 3,726 |
| Salaries and employee benefits | $2,260,000 | 3,827 |
| Premises and equipment expense | $751,000 | 2,877 |
| Additional noninterest expense | $1,491,000 | 3,801 |
| Pre-tax net operating income | $0 | 6,147 |
| Securities gains (losses) | $987,000 | 533 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $987,000 | 3,936 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $987,000 | 3,936 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $987,000 | 3,938 |
| Net charge-offs | $-31,000 | 6,780 |
| Cash dividends | $800,000 | 2,220 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $0 | 6,168 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,634,000 | 3,817 |
| Total interest expense | $1,041,000 | 2,979 |
| Net interest income | $3,593,000 | 3,975 |
| Provision for loan and lease losses | $115,000 | 4,210 |
| Total noninterest income | $359,000 | 4,615 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $42,000 | 6,199 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $317,000 | 3,608 |
| Total noninterest expense | $3,315,000 | 3,809 |
| Salaries and employee benefits | $1,601,000 | 3,977 |
| Premises and equipment expense | $568,000 | 2,886 |
| Additional noninterest expense | $1,146,000 | 3,769 |
| Pre-tax net operating income | $522,000 | 4,666 |
| Securities gains (losses) | $738,000 | 555 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $1,260,000 | 2,967 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,260,000 | 2,967 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,260,000 | 2,966 |
| Net charge-offs | $-28,000 | 6,818 |
| Cash dividends | $735,000 | 1,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $522,000 | 4,411 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,128,000 | 3,820 |
| Total interest expense | $697,000 | 3,063 |
| Net interest income | $2,431,000 | 3,961 |
| Provision for loan and lease losses | $115,000 | 3,714 |
| Total noninterest income | $210,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $28,000 | 6,232 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $182,000 | 3,804 |
| Total noninterest expense | $2,177,000 | 3,857 |
| Salaries and employee benefits | $1,087,000 | 3,954 |
| Premises and equipment expense | $377,000 | 2,904 |
| Additional noninterest expense | $713,000 | 3,936 |
| Pre-tax net operating income | $349,000 | 4,647 |
| Securities gains (losses) | $694,000 | 404 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,043,000 | 2,546 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,043,000 | 2,546 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,043,000 | 2,546 |
| Net charge-offs | $-28,000 | 6,872 |
| Cash dividends | $608,000 | 1,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $349,000 | 4,399 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,573,000 | 3,847 |
| Total interest expense | $351,000 | 3,141 |
| Net interest income | $1,222,000 | 3,969 |
| Provision for loan and lease losses | $115,000 | 2,723 |
| Total noninterest income | $140,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $14,000 | 6,234 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $126,000 | 3,334 |
| Total noninterest expense | $1,064,000 | 3,933 |
| Salaries and employee benefits | $533,000 | 4,042 |
| Premises and equipment expense | $189,000 | 2,903 |
| Additional noninterest expense | $342,000 | 4,038 |
| Pre-tax net operating income | $183,000 | 4,639 |
| Securities gains (losses) | $510,000 | 275 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $693,000 | 2,022 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $693,000 | 2,023 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $693,000 | 2,024 |
| Net charge-offs | $-21,000 | 6,886 |
| Cash dividends | $517,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $183,000 | 4,382 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,543,000 | 3,842 |
| Total interest expense | $1,667,000 | 3,167 |
| Net interest income | $4,876,000 | 3,972 |
| Provision for loan and lease losses | $903,000 | 2,554 |
| Total noninterest income | $500,000 | 4,401 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $62,000 | 6,122 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $438,000 | 3,307 |
| Total noninterest expense | $4,517,000 | 3,791 |
| Salaries and employee benefits | $2,289,000 | 3,807 |
| Premises and equipment expense | $710,000 | 3,170 |
| Additional noninterest expense | $1,518,000 | 3,833 |
| Pre-tax net operating income | $-44,000 | 6,079 |
| Securities gains (losses) | $559,000 | 724 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $515,000 | 4,619 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $515,000 | 4,622 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $515,000 | 4,621 |
| Net charge-offs | $775,000 | 2,679 |
| Cash dividends | $560,000 | 2,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-44,000 | 6,109 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,922,000 | 3,869 |
| Total interest expense | $1,276,000 | 3,244 |
| Net interest income | $3,646,000 | 4,000 |
| Provision for loan and lease losses | $563,000 | 2,704 |
| Total noninterest income | $498,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $47,000 | 6,146 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $451,000 | 2,848 |
| Total noninterest expense | $3,402,000 | 3,798 |
| Salaries and employee benefits | $1,779,000 | 3,715 |
| Premises and equipment expense | $528,000 | 3,230 |
| Additional noninterest expense | $1,095,000 | 3,920 |
| Pre-tax net operating income | $179,000 | 5,550 |
| Securities gains (losses) | $348,000 | 834 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $527,000 | 4,224 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $527,000 | 4,226 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $527,000 | 4,226 |
| Net charge-offs | $523,000 | 2,616 |
| Cash dividends | $493,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $179,000 | 5,443 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,267,000 | 3,918 |
| Total interest expense | $868,000 | 3,292 |
| Net interest income | $2,399,000 | 4,047 |
| Provision for loan and lease losses | $320,000 | 2,866 |
| Total noninterest income | $382,000 | 3,655 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $32,000 | 6,121 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $350,000 | 2,653 |
| Total noninterest expense | $2,314,000 | 3,786 |
| Salaries and employee benefits | $1,230,000 | 3,630 |
| Premises and equipment expense | $339,000 | 3,337 |
| Additional noninterest expense | $745,000 | 3,919 |
| Pre-tax net operating income | $147,000 | 5,416 |
| Securities gains (losses) | $274,000 | 581 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $421,000 | 3,882 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $421,000 | 3,883 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $421,000 | 3,884 |
| Net charge-offs | $369,000 | 2,449 |
| Cash dividends | $446,000 | 1,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $147,000 | 5,291 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,638,000 | 3,939 |
| Total interest expense | $448,000 | 3,326 |
| Net interest income | $1,190,000 | 4,066 |
| Provision for loan and lease losses | $185,000 | 2,532 |
| Total noninterest income | $165,000 | 3,974 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $16,000 | 6,075 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $149,000 | 2,909 |
| Total noninterest expense | $1,169,000 | 3,771 |
| Salaries and employee benefits | $618,000 | 3,640 |
| Premises and equipment expense | $170,000 | 3,392 |
| Additional noninterest expense | $381,000 | 3,853 |
| Pre-tax net operating income | $1,000 | 6,316 |
| Securities gains (losses) | $225,000 | 310 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $226,000 | 3,763 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $226,000 | 3,764 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $226,000 | 3,763 |
| Net charge-offs | $184,000 | 2,178 |
| Cash dividends | $49,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,000 | 6,334 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,283,000 | 4,181 |
| Total interest expense | $2,323,000 | 3,168 |
| Net interest income | $3,960,000 | 4,611 |
| Provision for loan and lease losses | $163,000 | 5,566 |
| Total noninterest income | $426,000 | 4,857 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $75,000 | 5,846 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $351,000 | 3,709 |
| Total noninterest expense | $4,082,000 | 4,153 |
| Salaries and employee benefits | $2,106,000 | 4,090 |
| Premises and equipment expense | $661,000 | 3,458 |
| Additional noninterest expense | $1,315,000 | 4,360 |
| Pre-tax net operating income | $141,000 | 5,366 |
| Securities gains (losses) | $464,000 | 944 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $605,000 | 4,061 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $605,000 | 4,060 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $605,000 | 4,061 |
| Net charge-offs | $-57,000 | 7,576 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $141,000 | 5,351 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,684,000 | 4,285 |
| Total interest expense | $1,799,000 | 3,208 |
| Net interest income | $2,885,000 | 4,754 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $376,000 | 4,635 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $57,000 | 5,911 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $319,000 | 3,463 |
| Total noninterest expense | $2,886,000 | 4,334 |
| Salaries and employee benefits | $1,436,000 | 4,403 |
| Premises and equipment expense | $498,000 | 3,506 |
| Additional noninterest expense | $952,000 | 4,450 |
| Pre-tax net operating income | $375,000 | 4,598 |
| Securities gains (losses) | $11,000 | 3,082 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $386,000 | 4,518 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $386,000 | 4,521 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $386,000 | 4,521 |
| Net charge-offs | $-117,000 | 7,701 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $375,000 | 4,386 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,139,000 | 4,309 |
| Total interest expense | $1,214,000 | 3,276 |
| Net interest income | $1,925,000 | 4,768 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $261,000 | 4,520 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $40,000 | 5,874 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $221,000 | 3,339 |
| Total noninterest expense | $1,897,000 | 4,389 |
| Salaries and employee benefits | $902,000 | 4,571 |
| Premises and equipment expense | $335,000 | 3,505 |
| Additional noninterest expense | $660,000 | 4,329 |
| Pre-tax net operating income | $289,000 | 4,460 |
| Securities gains (losses) | $11,000 | 2,572 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $300,000 | 4,308 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $300,000 | 4,307 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $300,000 | 4,307 |
| Net charge-offs | $-51,000 | 7,700 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $289,000 | 4,225 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,585,000 | 4,342 |
| Total interest expense | $622,000 | 3,341 |
| Net interest income | $963,000 | 4,786 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $96,000 | 5,123 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $18,000 | 6,033 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $78,000 | 3,960 |
| Total noninterest expense | $938,000 | 4,469 |
| Salaries and employee benefits | $434,000 | 4,757 |
| Premises and equipment expense | $173,000 | 3,490 |
| Additional noninterest expense | $331,000 | 4,321 |
| Pre-tax net operating income | $121,000 | 4,826 |
| Securities gains (losses) | $11,000 | 1,699 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $132,000 | 4,601 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $132,000 | 4,602 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $132,000 | 4,600 |
| Net charge-offs | $-93,000 | 7,841 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $121,000 | 4,607 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,131,000 | 4,120 |
| Total interest expense | $2,955,000 | 3,444 |
| Net interest income | $4,176,000 | 4,450 |
| Provision for loan and lease losses | $1,232,000 | 3,177 |
| Total noninterest income | $464,000 | 4,862 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $67,000 | 6,218 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $397,000 | 3,562 |
| Total noninterest expense | $4,012,000 | 4,328 |
| Salaries and employee benefits | $1,919,000 | 4,491 |
| Premises and equipment expense | $665,000 | 3,605 |
| Additional noninterest expense | $1,428,000 | 4,223 |
| Pre-tax net operating income | $-604,000 | 6,054 |
| Securities gains (losses) | $283,000 | 1,290 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-321,000 | 5,944 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-321,000 | 5,943 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-321,000 | 5,943 |
| Net charge-offs | $1,008,000 | 2,846 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-604,000 | 6,138 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,456,000 | 4,134 |
| Total interest expense | $2,253,000 | 3,540 |
| Net interest income | $3,203,000 | 4,400 |
| Provision for loan and lease losses | $200,000 | 5,146 |
| Total noninterest income | $295,000 | 5,227 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $48,000 | 6,312 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $247,000 | 3,929 |
| Total noninterest expense | $2,879,000 | 4,464 |
| Salaries and employee benefits | $1,436,000 | 4,513 |
| Premises and equipment expense | $500,000 | 3,629 |
| Additional noninterest expense | $943,000 | 4,583 |
| Pre-tax net operating income | $419,000 | 4,126 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $419,000 | 3,980 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $419,000 | 3,976 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $419,000 | 3,979 |
| Net charge-offs | $265,000 | 3,890 |
| Cash dividends | $172,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $419,000 | 3,878 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,717,000 | 4,110 |
| Total interest expense | $1,518,000 | 3,635 |
| Net interest income | $2,199,000 | 4,296 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $253,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $31,000 | 6,373 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $222,000 | 3,487 |
| Total noninterest expense | $1,960,000 | 4,436 |
| Salaries and employee benefits | $990,000 | 4,467 |
| Premises and equipment expense | $336,000 | 3,629 |
| Additional noninterest expense | $634,000 | 4,562 |
| Pre-tax net operating income | $357,000 | 3,887 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $357,000 | 3,672 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $357,000 | 3,671 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $357,000 | 3,671 |
| Net charge-offs | $93,000 | 4,324 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $357,000 | 3,564 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,826,000 | 4,195 |
| Total interest expense | $747,000 | 3,787 |
| Net interest income | $1,079,000 | 4,344 |
| Provision for loan and lease losses | $40,000 | 5,160 |
| Total noninterest income | $136,000 | 4,626 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $15,000 | 6,393 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $121,000 | 3,340 |
| Total noninterest expense | $1,004,000 | 4,295 |
| Salaries and employee benefits | $532,000 | 4,259 |
| Premises and equipment expense | $174,000 | 3,586 |
| Additional noninterest expense | $298,000 | 4,431 |
| Pre-tax net operating income | $171,000 | 4,294 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $171,000 | 4,125 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $171,000 | 4,128 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $171,000 | 4,128 |
| Net charge-offs | $93,000 | 2,945 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $171,000 | 3,969 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,550,000 | 5,162 |
| Total interest expense | $2,660,000 | 4,583 |
| Net interest income | $2,890,000 | 5,512 |
| Provision for loan and lease losses | $110,000 | 5,937 |
| Total noninterest income | $1,436,000 | 2,716 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $71,000 | 6,319 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,365,000 | 1,710 |
| Total noninterest expense | $4,187,000 | 4,102 |
| Salaries and employee benefits | $2,421,000 | 3,865 |
| Premises and equipment expense | $672,000 | 3,605 |
| Additional noninterest expense | $1,094,000 | 4,553 |
| Pre-tax net operating income | $29,000 | 6,215 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $29,000 | 6,109 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $29,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,772 |
| Cash dividends | $117,000 | 4,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $29,000 | 6,256 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,951,000 | 5,376 |
| Total interest expense | $1,922,000 | 4,792 |
| Net interest income | $2,029,000 | 5,755 |
| Provision for loan and lease losses | $45,000 | 5,958 |
| Total noninterest income | $1,254,000 | 2,498 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $55,000 | 6,327 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,199,000 | 1,603 |
| Total noninterest expense | $3,210,000 | 4,013 |
| Salaries and employee benefits | $1,884,000 | 3,786 |
| Premises and equipment expense | $482,000 | 3,730 |
| Additional noninterest expense | $844,000 | 4,410 |
| Pre-tax net operating income | $28,000 | 6,655 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $28,000 | 6,498 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $28,000 | 6,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,512 |
| Cash dividends | $116,000 | 4,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $28,000 | 6,658 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 5,500 |
| Total interest expense | $1,259,000 | 4,985 |
| Net interest income | $1,319,000 | 5,831 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $881,000 | 2,451 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $35,000 | 6,396 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $846,000 | 1,577 |
| Total noninterest expense | $2,168,000 | 3,994 |
| Salaries and employee benefits | $1,282,000 | 3,772 |
| Premises and equipment expense | $319,000 | 3,777 |
| Additional noninterest expense | $567,000 | 4,354 |
| Pre-tax net operating income | $2,000 | 6,921 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $2,000 | 6,997 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,000 | 6,997 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,297 |
| Cash dividends | $42,000 | 4,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,000 | 6,942 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 5,577 |
| Total interest expense | $652,000 | 5,067 |
| Net interest income | $650,000 | 5,893 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $417,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $399,000 | 1,633 |
| Total noninterest expense | $1,070,000 | 4,039 |
| Salaries and employee benefits | $640,000 | 3,786 |
| Premises and equipment expense | $159,000 | 3,812 |
| Additional noninterest expense | $271,000 | 4,437 |
| Pre-tax net operating income | $-18,000 | 7,272 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-18,000 | 7,379 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-18,000 | 7,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $42,000 | 3,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-18,000 | 7,305 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,342,000 | 5,539 |
| Total interest expense | $2,804,000 | 4,976 |
| Net interest income | $2,538,000 | 5,934 |
| Provision for loan and lease losses | $60,000 | 5,449 |
| Total noninterest income | $1,106,000 | 3,332 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $67,000 | 6,488 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,039,000 | 2,174 |
| Total noninterest expense | $3,178,000 | 4,828 |
| Salaries and employee benefits | $1,917,000 | 4,529 |
| Premises and equipment expense | $358,000 | 5,348 |
| Additional noninterest expense | $903,000 | 4,955 |
| Pre-tax net operating income | $406,000 | 6,257 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $406,000 | 6,028 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $406,000 | 6,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,150 |
| Cash dividends | $230,000 | 4,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $406,000 | 6,019 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,032,000 | 5,543 |
| Total interest expense | $2,124,000 | 4,957 |
| Net interest income | $1,908,000 | 5,950 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $738,000 | 3,575 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $48,000 | 6,565 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $690,000 | 2,345 |
| Total noninterest expense | $2,252,000 | 4,978 |
| Salaries and employee benefits | $1,329,000 | 4,769 |
| Premises and equipment expense | $265,000 | 5,366 |
| Additional noninterest expense | $658,000 | 4,985 |
| Pre-tax net operating income | $349,000 | 6,371 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $349,000 | 6,057 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $349,000 | 6,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 2,249 |
| Cash dividends | $230,000 | 3,959 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $349,000 | 6,042 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,689,000 | 5,572 |
| Total interest expense | $1,412,000 | 4,974 |
| Net interest income | $1,277,000 | 5,992 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $383,000 | 4,130 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $33,000 | 6,573 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $350,000 | 2,769 |
| Total noninterest expense | $1,377,000 | 5,293 |
| Salaries and employee benefits | $779,000 | 5,223 |
| Premises and equipment expense | $172,000 | 5,477 |
| Additional noninterest expense | $426,000 | 5,074 |
| Pre-tax net operating income | $253,000 | 6,333 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $253,000 | 5,992 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $253,000 | 5,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $160,000 | 1,546 |
| Cash dividends | $188,000 | 3,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $253,000 | 5,979 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 5,582 |
| Total interest expense | $693,000 | 5,007 |
| Net interest income | $648,000 | 5,963 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $46,000 | 6,946 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $30,000 | 5,964 |
| Total noninterest expense | $536,000 | 6,104 |
| Salaries and employee benefits | $290,000 | 6,155 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $164,000 | 5,864 |
| Pre-tax net operating income | $143,000 | 6,133 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $143,000 | 5,743 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $143,000 | 5,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $67,000 | 3,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $143,000 | 5,726 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,723,000 | 5,706 |
| Total interest expense | $2,317,000 | 5,021 |
| Net interest income | $2,406,000 | 6,127 |
| Provision for loan and lease losses | $100,000 | 4,711 |
| Total noninterest income | $204,000 | 6,895 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $58,000 | 6,761 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $146,000 | 5,665 |
| Total noninterest expense | $2,136,000 | 5,968 |
| Salaries and employee benefits | $1,160,000 | 6,012 |
| Premises and equipment expense | $323,000 | 5,549 |
| Additional noninterest expense | $653,000 | 5,832 |
| Pre-tax net operating income | $374,000 | 6,859 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $374,000 | 6,611 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $374,000 | 6,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,543 |
| Cash dividends | $274,000 | 4,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $374,000 | 6,612 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,498,000 | 5,747 |
| Total interest expense | $1,690,000 | 5,018 |
| Net interest income | $1,808,000 | 6,180 |
| Provision for loan and lease losses | $70,000 | 4,662 |
| Total noninterest income | $160,000 | 6,857 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $43,000 | 6,864 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $117,000 | 5,568 |
| Total noninterest expense | $1,621,000 | 5,922 |
| Salaries and employee benefits | $868,000 | 5,997 |
| Premises and equipment expense | $255,000 | 5,419 |
| Additional noninterest expense | $498,000 | 5,788 |
| Pre-tax net operating income | $277,000 | 7,113 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $277,000 | 6,829 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $277,000 | 6,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,781 |
| Cash dividends | $270,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $277,000 | 6,832 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 5,736 |
| Total interest expense | $1,083,000 | 5,012 |
| Net interest income | $1,236,000 | 6,146 |
| Provision for loan and lease losses | $40,000 | 4,712 |
| Total noninterest income | $79,000 | 7,340 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $27,000 | 6,945 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $52,000 | 6,320 |
| Total noninterest expense | $1,087,000 | 5,923 |
| Salaries and employee benefits | $573,000 | 6,043 |
| Premises and equipment expense | $174,000 | 5,339 |
| Additional noninterest expense | $340,000 | 5,693 |
| Pre-tax net operating income | $188,000 | 7,152 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $188,000 | 6,837 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $188,000 | 6,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,097 |
| Cash dividends | $248,000 | 3,431 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $188,000 | 6,845 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 5,660 |
| Total interest expense | $534,000 | 4,933 |
| Net interest income | $640,000 | 6,070 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $37,000 | 7,412 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $13,000 | 6,977 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,429 |
| Total noninterest expense | $551,000 | 5,891 |
| Salaries and employee benefits | $284,000 | 6,099 |
| Premises and equipment expense | $89,000 | 5,311 |
| Additional noninterest expense | $178,000 | 5,545 |
| Pre-tax net operating income | $106,000 | 6,982 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $106,000 | 6,639 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 6,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $106,000 | 6,630 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,404,000 | 5,551 |
| Total interest expense | $1,666,000 | 4,970 |
| Net interest income | $2,738,000 | 5,794 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $138,000 | 7,596 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $63,000 | 6,871 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,850 |
| Total noninterest expense | $2,177,000 | 5,810 |
| Salaries and employee benefits | $1,097,000 | 6,071 |
| Premises and equipment expense | $493,000 | 4,226 |
| Additional noninterest expense | $587,000 | 6,127 |
| Pre-tax net operating income | $609,000 | 6,395 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $609,000 | 5,970 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $609,000 | 5,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,317 |
| Cash dividends | $145,000 | 5,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $609,000 | 5,941 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,226,000 | 5,588 |
| Total interest expense | $1,176,000 | 4,987 |
| Net interest income | $2,050,000 | 5,815 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $103,000 | 7,650 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $46,000 | 6,939 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,861 |
| Total noninterest expense | $1,664,000 | 5,721 |
| Salaries and employee benefits | $839,000 | 5,960 |
| Premises and equipment expense | $295,000 | 4,902 |
| Additional noninterest expense | $530,000 | 5,535 |
| Pre-tax net operating income | $399,000 | 6,800 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $399,000 | 6,386 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $399,000 | 6,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,651 |
| Cash dividends | $20,000 | 5,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $399,000 | 6,343 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 5,605 |
| Total interest expense | $718,000 | 5,065 |
| Net interest income | $1,371,000 | 5,789 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $67,000 | 7,654 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $29,000 | 6,990 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $38,000 | 6,863 |
| Total noninterest expense | $1,126,000 | 5,675 |
| Salaries and employee benefits | $576,000 | 5,881 |
| Premises and equipment expense | $208,000 | 4,682 |
| Additional noninterest expense | $342,000 | 5,608 |
| Pre-tax net operating income | $252,000 | 6,905 |
| Securities gains (losses) | $-9,000 | 8,110 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $243,000 | 6,570 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $243,000 | 6,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $20,000 | 4,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $252,000 | 6,453 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,000,000 | 5,729 |
| Total interest expense | $332,000 | 5,208 |
| Net interest income | $668,000 | 5,880 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $36,000 | 7,582 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $16,000 | 6,882 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,849 |
| Total noninterest expense | $557,000 | 5,743 |
| Salaries and employee benefits | $296,000 | 5,815 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $155,000 | 5,895 |
| Pre-tax net operating income | $117,000 | 6,996 |
| Securities gains (losses) | $-9,000 | 8,513 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $108,000 | 6,756 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $108,000 | 6,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $117,000 | 6,584 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 5,917 |
| Total interest expense | $1,209,000 | 5,088 |
| Net interest income | $2,349,000 | 6,189 |
| Provision for loan and lease losses | $85,000 | 5,258 |
| Total noninterest income | $179,000 | 7,337 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $64,000 | 7,054 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $115,000 | 6,174 |
| Total noninterest expense | $2,242,000 | 5,639 |
| Salaries and employee benefits | $1,159,000 | 5,798 |
| Premises and equipment expense | $370,000 | 5,027 |
| Additional noninterest expense | $713,000 | 5,464 |
| Pre-tax net operating income | $201,000 | 7,778 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $201,000 | 7,644 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $201,000 | 7,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,767 |
| Cash dividends | $33,000 | 5,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $201,000 | 7,599 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,622,000 | 5,974 |
| Total interest expense | $900,000 | 5,091 |
| Net interest income | $1,722,000 | 6,255 |
| Provision for loan and lease losses | $55,000 | 5,258 |
| Total noninterest income | $140,000 | 7,309 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $48,000 | 7,102 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $92,000 | 6,087 |
| Total noninterest expense | $1,693,000 | 5,590 |
| Salaries and employee benefits | $870,000 | 5,760 |
| Premises and equipment expense | $279,000 | 4,993 |
| Additional noninterest expense | $544,000 | 5,379 |
| Pre-tax net operating income | $114,000 | 8,059 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $114,000 | 7,995 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $114,000 | 7,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,796 |
| Cash dividends | $33,000 | 5,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $114,000 | 7,943 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 6,006 |
| Total interest expense | $592,000 | 5,136 |
| Net interest income | $1,143,000 | 6,293 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $100,000 | 7,246 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $30,000 | 7,195 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $70,000 | 5,848 |
| Total noninterest expense | $1,181,000 | 5,490 |
| Salaries and employee benefits | $595,000 | 5,719 |
| Premises and equipment expense | $185,000 | 5,027 |
| Additional noninterest expense | $401,000 | 5,055 |
| Pre-tax net operating income | $32,000 | 8,344 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $32,000 | 8,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 8,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $33,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $32,000 | 8,312 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $879,000 | 5,995 |
| Total interest expense | $285,000 | 5,323 |
| Net interest income | $594,000 | 6,191 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $43,000 | 7,478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $29,000 | 6,170 |
| Total noninterest expense | $542,000 | 5,776 |
| Salaries and employee benefits | $299,000 | 5,743 |
| Premises and equipment expense | $96,000 | 4,925 |
| Additional noninterest expense | $147,000 | 6,069 |
| Pre-tax net operating income | $80,000 | 7,464 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $80,000 | 7,219 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $80,000 | 7,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $80,000 | 7,142 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,271,000 | 6,233 |
| Total interest expense | $1,027,000 | 6,035 |
| Net interest income | $2,244,000 | 6,264 |
| Provision for loan and lease losses | $350,000 | 2,851 |
| Total noninterest income | $162,000 | 7,691 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $94,000 | 6,640 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $68,000 | 7,154 |
| Total noninterest expense | $2,447,000 | 5,293 |
| Salaries and employee benefits | $1,244,000 | 5,508 |
| Premises and equipment expense | $597,000 | 3,538 |
| Additional noninterest expense | $606,000 | 5,958 |
| Pre-tax net operating income | $-391,000 | 8,777 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-391,000 | 8,862 |
| Extraordinary gains, net | $-235,000 | 9,160 |
| Net income | $-626,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 2,406 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-391,000 | 8,798 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 6,395 |
| Total interest expense | $771,000 | 6,180 |
| Net interest income | $1,624,000 | 6,402 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $119,000 | 7,779 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $77,000 | 6,567 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 7,445 |
| Total noninterest expense | $1,854,000 | 5,234 |
| Salaries and employee benefits | $908,000 | 5,571 |
| Premises and equipment expense | $259,000 | 5,208 |
| Additional noninterest expense | $687,000 | 4,523 |
| Pre-tax net operating income | $-336,000 | 8,890 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-336,000 | 8,972 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-336,000 | 8,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 2,434 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-336,000 | 8,904 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,495,000 | 6,661 |
| Total interest expense | $528,000 | 6,216 |
| Net interest income | $967,000 | 6,743 |
| Provision for loan and lease losses | $195,000 | 2,557 |
| Total noninterest income | $78,000 | 7,809 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $51,000 | 6,554 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $27,000 | 7,458 |
| Total noninterest expense | $1,128,000 | 5,554 |
| Salaries and employee benefits | $576,000 | 5,753 |
| Premises and equipment expense | $184,000 | 4,966 |
| Additional noninterest expense | $368,000 | 5,299 |
| Pre-tax net operating income | $-278,000 | 8,975 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-278,000 | 9,053 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-278,000 | 9,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 1,864 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-278,000 | 8,982 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $703,000 | 6,906 |
| Total interest expense | $248,000 | 6,516 |
| Net interest income | $455,000 | 6,929 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $47,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $23,000 | 6,666 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $24,000 | 6,621 |
| Total noninterest expense | $552,000 | 5,622 |
| Salaries and employee benefits | $278,000 | 5,877 |
| Premises and equipment expense | $97,000 | 4,800 |
| Additional noninterest expense | $177,000 | 5,409 |
| Pre-tax net operating income | $-65,000 | 8,924 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-65,000 | 8,986 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-65,000 | 8,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-65,000 | 8,901 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,566,000 | 8,304 |
| Total interest expense | $523,000 | 8,316 |
| Net interest income | $1,043,000 | 8,206 |
| Provision for loan and lease losses | $29,000 | 7,260 |
| Total noninterest income | $76,000 | 8,681 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,786 |
| Total noninterest expense | $1,182,000 | 7,505 |
| Salaries and employee benefits | $659,000 | 7,458 |
| Premises and equipment expense | $188,000 | 6,919 |
| Additional noninterest expense | $335,000 | 7,552 |
| Pre-tax net operating income | $-92,000 | 8,756 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-92,000 | 8,831 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-92,000 | 8,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,776 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-92,000 | 8,768 |
* 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.