Home > The Home State Bank > Income and Expense
The Home State Bank, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $14,662,000 | 920 |
| Total interest expense | $1,032,000 | 1,378 |
| Net interest income | $13,630,000 | 870 |
| Provision for loan and lease losses | $-395,000 | 5,947 |
| Total noninterest income | $4,767,000 | 708 |
| Gross Fiduciary activities income | $436,000 | 486 |
| Service charges on deposit accounts | $761,000 | 812 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $3,570,000 | 645 |
| Total noninterest expense | $11,416,000 | 926 |
| Salaries and employee benefits | $6,937,000 | 848 |
| Premises and equipment expense | $1,219,000 | 988 |
| Additional noninterest expense | $3,260,000 | 1,004 |
| Pre-tax net operating income | $7,376,000 | 642 |
| Securities gains (losses) | $113,000 | 882 |
| Applicable income taxes | $0 | 4,338 |
| Income before extraordinary items | $7,489,000 | 519 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $7,489,000 | 516 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $7,489,000 | 518 |
| Net charge-offs | $-395,000 | 5,950 |
| Cash dividends | $2,135,000 | 713 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $7,376,000 | 515 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $7,368,000 | 910 |
| Total interest expense | $521,000 | 1,362 |
| Net interest income | $6,847,000 | 863 |
| Provision for loan and lease losses | $0 | 3,656 |
| Total noninterest income | $1,724,000 | 877 |
| Gross Fiduciary activities income | $203,000 | 498 |
| Service charges on deposit accounts | $364,000 | 842 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $1,157,000 | 845 |
| Total noninterest expense | $6,148,000 | 865 |
| Salaries and employee benefits | $3,853,000 | 771 |
| Premises and equipment expense | $569,000 | 1,052 |
| Additional noninterest expense | $1,726,000 | 949 |
| Pre-tax net operating income | $2,423,000 | 931 |
| Securities gains (losses) | $77,000 | 637 |
| Applicable income taxes | $0 | 4,259 |
| Income before extraordinary items | $2,500,000 | 732 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $2,500,000 | 731 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $2,500,000 | 731 |
| Net charge-offs | $-119,000 | 5,910 |
| Cash dividends | $996,000 | 762 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $2,423,000 | 733 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $28,710,000 | 901 |
| Total interest expense | $1,975,000 | 1,411 |
| Net interest income | $26,735,000 | 850 |
| Provision for loan and lease losses | $-950,000 | 6,032 |
| Total noninterest income | $6,848,000 | 901 |
| Gross Fiduciary activities income | $835,000 | 501 |
| Service charges on deposit accounts | $1,691,000 | 774 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $4,322,000 | 892 |
| Total noninterest expense | $23,086,000 | 898 |
| Salaries and employee benefits | $13,913,000 | 823 |
| Premises and equipment expense | $2,043,000 | 1,153 |
| Additional noninterest expense | $7,130,000 | 916 |
| Pre-tax net operating income | $11,447,000 | 779 |
| Securities gains (losses) | $192,000 | 771 |
| Applicable income taxes | $0 | 4,402 |
| Income before extraordinary items | $11,639,000 | 630 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $11,639,000 | 628 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $11,639,000 | 631 |
| Net charge-offs | $-553,000 | 6,021 |
| Cash dividends | $5,205,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $11,447,000 | 630 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $21,371,000 | 914 |
| Total interest expense | $1,470,000 | 1,423 |
| Net interest income | $19,901,000 | 862 |
| Provision for loan and lease losses | $-950,000 | 6,149 |
| Total noninterest income | $5,165,000 | 906 |
| Gross Fiduciary activities income | $636,000 | 497 |
| Service charges on deposit accounts | $1,269,000 | 778 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,260,000 | 896 |
| Total noninterest expense | $17,359,000 | 902 |
| Salaries and employee benefits | $10,465,000 | 827 |
| Premises and equipment expense | $1,669,000 | 1,082 |
| Additional noninterest expense | $5,225,000 | 939 |
| Pre-tax net operating income | $8,657,000 | 786 |
| Securities gains (losses) | $106,000 | 1,004 |
| Applicable income taxes | $0 | 4,489 |
| Income before extraordinary items | $8,763,000 | 634 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $8,763,000 | 632 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $8,763,000 | 634 |
| Net charge-offs | $-463,000 | 6,096 |
| Cash dividends | $2,296,000 | 876 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $8,657,000 | 624 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $14,111,000 | 920 |
| Total interest expense | $963,000 | 1,458 |
| Net interest income | $13,148,000 | 859 |
| Provision for loan and lease losses | $250,000 | 1,275 |
| Total noninterest income | $3,312,000 | 929 |
| Gross Fiduciary activities income | $371,000 | 530 |
| Service charges on deposit accounts | $825,000 | 782 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,116,000 | 929 |
| Total noninterest expense | $11,541,000 | 908 |
| Salaries and employee benefits | $7,126,000 | 814 |
| Premises and equipment expense | $1,114,000 | 1,086 |
| Additional noninterest expense | $3,301,000 | 997 |
| Pre-tax net operating income | $4,669,000 | 960 |
| Securities gains (losses) | $50,000 | 1,228 |
| Applicable income taxes | $0 | 4,497 |
| Income before extraordinary items | $4,719,000 | 782 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,719,000 | 781 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $4,719,000 | 782 |
| Net charge-offs | $-356,000 | 6,165 |
| Cash dividends | $1,169,000 | 1,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $4,669,000 | 769 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $6,936,000 | 929 |
| Total interest expense | $469,000 | 1,478 |
| Net interest income | $6,467,000 | 869 |
| Provision for loan and lease losses | $125,000 | 1,243 |
| Total noninterest income | $1,642,000 | 908 |
| Gross Fiduciary activities income | $235,000 | 487 |
| Service charges on deposit accounts | $379,000 | 819 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,028,000 | 907 |
| Total noninterest expense | $5,734,000 | 911 |
| Salaries and employee benefits | $3,585,000 | 815 |
| Premises and equipment expense | $592,000 | 1,029 |
| Additional noninterest expense | $1,557,000 | 1,041 |
| Pre-tax net operating income | $2,250,000 | 959 |
| Securities gains (losses) | $-7,000 | 6,219 |
| Applicable income taxes | $0 | 4,400 |
| Income before extraordinary items | $2,243,000 | 784 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $2,243,000 | 782 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $2,243,000 | 784 |
| Net charge-offs | $-336,000 | 6,301 |
| Cash dividends | $845,000 | 777 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $2,250,000 | 756 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $26,664,000 | 961 |
| Total interest expense | $1,964,000 | 1,509 |
| Net interest income | $24,700,000 | 890 |
| Provision for loan and lease losses | $1,000,000 | 868 |
| Total noninterest income | $6,769,000 | 891 |
| Gross Fiduciary activities income | $834,000 | 508 |
| Service charges on deposit accounts | $1,714,000 | 786 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,221,000 | 872 |
| Total noninterest expense | $21,422,000 | 948 |
| Salaries and employee benefits | $13,528,000 | 814 |
| Premises and equipment expense | $2,150,000 | 1,110 |
| Additional noninterest expense | $5,744,000 | 1,139 |
| Pre-tax net operating income | $9,047,000 | 922 |
| Securities gains (losses) | $-17,000 | 6,111 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $9,030,000 | 751 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $9,030,000 | 750 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $9,030,000 | 750 |
| Net charge-offs | $475,000 | 1,521 |
| Cash dividends | $4,130,000 | 708 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $9,047,000 | 733 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $19,808,000 | 972 |
| Total interest expense | $1,469,000 | 1,530 |
| Net interest income | $18,339,000 | 905 |
| Provision for loan and lease losses | $751,000 | 841 |
| Total noninterest income | $5,407,000 | 842 |
| Gross Fiduciary activities income | $633,000 | 501 |
| Service charges on deposit accounts | $1,293,000 | 787 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $3,481,000 | 802 |
| Total noninterest expense | $16,014,000 | 943 |
| Salaries and employee benefits | $10,211,000 | 812 |
| Premises and equipment expense | $1,638,000 | 1,103 |
| Additional noninterest expense | $4,165,000 | 1,187 |
| Pre-tax net operating income | $6,981,000 | 905 |
| Securities gains (losses) | $-17,000 | 6,227 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $6,964,000 | 729 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $6,964,000 | 728 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $6,964,000 | 728 |
| Net charge-offs | $566,000 | 1,047 |
| Cash dividends | $2,026,000 | 917 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $6,981,000 | 715 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $12,944,000 | 984 |
| Total interest expense | $979,000 | 1,539 |
| Net interest income | $11,965,000 | 918 |
| Provision for loan and lease losses | $500,000 | 845 |
| Total noninterest income | $3,385,000 | 867 |
| Gross Fiduciary activities income | $428,000 | 499 |
| Service charges on deposit accounts | $844,000 | 797 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $2,113,000 | 843 |
| Total noninterest expense | $10,665,000 | 939 |
| Salaries and employee benefits | $6,829,000 | 800 |
| Premises and equipment expense | $1,073,000 | 1,134 |
| Additional noninterest expense | $2,763,000 | 1,178 |
| Pre-tax net operating income | $4,185,000 | 978 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $4,185,000 | 774 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,185,000 | 774 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $4,185,000 | 775 |
| Net charge-offs | $261,000 | 1,367 |
| Cash dividends | $908,000 | 1,246 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $4,185,000 | 755 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $6,346,000 | 1,002 |
| Total interest expense | $487,000 | 1,572 |
| Net interest income | $5,859,000 | 944 |
| Provision for loan and lease losses | $251,000 | 824 |
| Total noninterest income | $1,664,000 | 837 |
| Gross Fiduciary activities income | $224,000 | 491 |
| Service charges on deposit accounts | $406,000 | 804 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $1,034,000 | 823 |
| Total noninterest expense | $5,394,000 | 935 |
| Salaries and employee benefits | $3,515,000 | 792 |
| Premises and equipment expense | $541,000 | 1,148 |
| Additional noninterest expense | $1,338,000 | 1,198 |
| Pre-tax net operating income | $1,878,000 | 1,037 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $1,878,000 | 833 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,878,000 | 835 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $1,878,000 | 834 |
| Net charge-offs | $446,000 | 551 |
| Cash dividends | $419,000 | 1,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $1,878,000 | 813 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $24,749,000 | 1,021 |
| Total interest expense | $2,049,000 | 1,664 |
| Net interest income | $22,700,000 | 952 |
| Provision for loan and lease losses | $1,000,000 | 1,089 |
| Total noninterest income | $6,590,000 | 927 |
| Gross Fiduciary activities income | $755,000 | 517 |
| Service charges on deposit accounts | $1,819,000 | 765 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,016,000 | 938 |
| Total noninterest expense | $20,749,000 | 984 |
| Salaries and employee benefits | $13,354,000 | 809 |
| Premises and equipment expense | $2,034,000 | 1,178 |
| Additional noninterest expense | $5,361,000 | 1,254 |
| Pre-tax net operating income | $7,541,000 | 1,014 |
| Securities gains (losses) | $283,000 | 716 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $7,824,000 | 803 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,824,000 | 802 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $7,824,000 | 804 |
| Net charge-offs | $237,000 | 2,823 |
| Cash dividends | $2,281,000 | 1,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $7,541,000 | 820 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $18,460,000 | 1,034 |
| Total interest expense | $1,549,000 | 1,690 |
| Net interest income | $16,911,000 | 967 |
| Provision for loan and lease losses | $750,000 | 1,115 |
| Total noninterest income | $5,550,000 | 858 |
| Gross Fiduciary activities income | $557,000 | 517 |
| Service charges on deposit accounts | $1,374,000 | 767 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,619,000 | 853 |
| Total noninterest expense | $15,450,000 | 995 |
| Salaries and employee benefits | $9,962,000 | 812 |
| Premises and equipment expense | $1,535,000 | 1,177 |
| Additional noninterest expense | $3,953,000 | 1,271 |
| Pre-tax net operating income | $6,261,000 | 934 |
| Securities gains (losses) | $243,000 | 737 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $6,504,000 | 741 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $6,504,000 | 741 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $6,504,000 | 743 |
| Net charge-offs | $153,000 | 2,844 |
| Cash dividends | $956,000 | 1,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $6,261,000 | 744 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $11,938,000 | 1,061 |
| Total interest expense | $1,036,000 | 1,726 |
| Net interest income | $10,902,000 | 991 |
| Provision for loan and lease losses | $500,000 | 1,162 |
| Total noninterest income | $3,824,000 | 843 |
| Gross Fiduciary activities income | $372,000 | 520 |
| Service charges on deposit accounts | $914,000 | 759 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,538,000 | 828 |
| Total noninterest expense | $10,456,000 | 966 |
| Salaries and employee benefits | $6,737,000 | 806 |
| Premises and equipment expense | $1,029,000 | 1,172 |
| Additional noninterest expense | $2,690,000 | 1,233 |
| Pre-tax net operating income | $3,770,000 | 1,002 |
| Securities gains (losses) | $403,000 | 441 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $4,173,000 | 750 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,173,000 | 752 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $4,173,000 | 752 |
| Net charge-offs | $164,000 | 2,290 |
| Cash dividends | $444,000 | 1,819 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $3,770,000 | 802 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,830,000 | 1,098 |
| Total interest expense | $515,000 | 1,784 |
| Net interest income | $5,315,000 | 1,024 |
| Provision for loan and lease losses | $250,000 | 1,141 |
| Total noninterest income | $2,028,000 | 813 |
| Gross Fiduciary activities income | $195,000 | 525 |
| Service charges on deposit accounts | $430,000 | 795 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,403,000 | 781 |
| Total noninterest expense | $5,300,000 | 967 |
| Salaries and employee benefits | $3,426,000 | 799 |
| Premises and equipment expense | $486,000 | 1,247 |
| Additional noninterest expense | $1,388,000 | 1,187 |
| Pre-tax net operating income | $1,793,000 | 1,025 |
| Securities gains (losses) | $142,000 | 574 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $1,935,000 | 797 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $1,935,000 | 798 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $1,935,000 | 799 |
| Net charge-offs | $116,000 | 1,773 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $1,793,000 | 814 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $23,387,000 | 1,143 |
| Total interest expense | $2,379,000 | 1,831 |
| Net interest income | $21,008,000 | 1,047 |
| Provision for loan and lease losses | $529,000 | 2,647 |
| Total noninterest income | $5,344,000 | 1,099 |
| Gross Fiduciary activities income | $615,000 | 552 |
| Service charges on deposit accounts | $1,857,000 | 766 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,872,000 | 1,195 |
| Total noninterest expense | $19,328,000 | 1,035 |
| Salaries and employee benefits | $12,091,000 | 864 |
| Premises and equipment expense | $1,961,000 | 1,202 |
| Additional noninterest expense | $5,276,000 | 1,290 |
| Pre-tax net operating income | $6,495,000 | 1,101 |
| Securities gains (losses) | $28,000 | 3,051 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $6,523,000 | 927 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,523,000 | 926 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $6,523,000 | 927 |
| Net charge-offs | $1,601,000 | 1,356 |
| Cash dividends | $1,250,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $6,495,000 | 860 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $17,587,000 | 1,157 |
| Total interest expense | $1,834,000 | 1,856 |
| Net interest income | $15,753,000 | 1,054 |
| Provision for loan and lease losses | $279,000 | 3,082 |
| Total noninterest income | $4,135,000 | 1,066 |
| Gross Fiduciary activities income | $444,000 | 566 |
| Service charges on deposit accounts | $1,382,000 | 781 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,309,000 | 1,136 |
| Total noninterest expense | $14,378,000 | 1,040 |
| Salaries and employee benefits | $8,952,000 | 873 |
| Premises and equipment expense | $1,483,000 | 1,202 |
| Additional noninterest expense | $3,943,000 | 1,289 |
| Pre-tax net operating income | $5,231,000 | 1,027 |
| Securities gains (losses) | $2,000 | 3,410 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $5,233,000 | 871 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $5,233,000 | 870 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $5,233,000 | 871 |
| Net charge-offs | $1,076,000 | 1,389 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $5,231,000 | 804 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $11,716,000 | 1,168 |
| Total interest expense | $1,280,000 | 1,829 |
| Net interest income | $10,436,000 | 1,064 |
| Provision for loan and lease losses | $279,000 | 2,546 |
| Total noninterest income | $2,419,000 | 1,153 |
| Gross Fiduciary activities income | $305,000 | 572 |
| Service charges on deposit accounts | $914,000 | 774 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,200,000 | 1,342 |
| Total noninterest expense | $9,712,000 | 1,022 |
| Salaries and employee benefits | $5,962,000 | 871 |
| Premises and equipment expense | $986,000 | 1,211 |
| Additional noninterest expense | $2,764,000 | 1,233 |
| Pre-tax net operating income | $2,864,000 | 1,244 |
| Securities gains (losses) | $2,000 | 3,012 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $2,866,000 | 1,052 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,866,000 | 1,052 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,866,000 | 1,052 |
| Net charge-offs | $1,021,000 | 1,122 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $2,864,000 | 987 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $5,839,000 | 1,185 |
| Total interest expense | $663,000 | 1,842 |
| Net interest income | $5,176,000 | 1,068 |
| Provision for loan and lease losses | $279,000 | 1,664 |
| Total noninterest income | $1,221,000 | 1,142 |
| Gross Fiduciary activities income | $160,000 | 562 |
| Service charges on deposit accounts | $428,000 | 809 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $633,000 | 1,274 |
| Total noninterest expense | $4,919,000 | 1,009 |
| Salaries and employee benefits | $3,006,000 | 860 |
| Premises and equipment expense | $520,000 | 1,152 |
| Additional noninterest expense | $1,393,000 | 1,210 |
| Pre-tax net operating income | $1,199,000 | 1,448 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $1,199,000 | 1,214 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,199,000 | 1,214 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,199,000 | 1,215 |
| Net charge-offs | $447,000 | 1,174 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $1,199,000 | 1,153 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $23,339,000 | 1,224 |
| Total interest expense | $3,210,000 | 1,846 |
| Net interest income | $20,129,000 | 1,106 |
| Provision for loan and lease losses | $4,546,000 | 848 |
| Total noninterest income | $3,375,000 | 1,375 |
| Gross Fiduciary activities income | $537,000 | 542 |
| Service charges on deposit accounts | $1,871,000 | 781 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $967,000 | 2,186 |
| Total noninterest expense | $18,813,000 | 1,037 |
| Salaries and employee benefits | $11,672,000 | 843 |
| Premises and equipment expense | $2,037,000 | 1,230 |
| Additional noninterest expense | $5,104,000 | 1,355 |
| Pre-tax net operating income | $145,000 | 5,623 |
| Securities gains (losses) | $988,000 | 450 |
| Applicable income taxes | $22,000 | 4,085 |
| Income before extraordinary items | $1,111,000 | 3,342 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,111,000 | 3,345 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,111,000 | 3,345 |
| Net charge-offs | $4,547,000 | 872 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $142,760 | 5,604 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $17,457,000 | 1,244 |
| Total interest expense | $2,494,000 | 1,852 |
| Net interest income | $14,963,000 | 1,121 |
| Provision for loan and lease losses | $3,446,000 | 836 |
| Total noninterest income | $2,482,000 | 1,387 |
| Gross Fiduciary activities income | $407,000 | 541 |
| Service charges on deposit accounts | $1,415,000 | 770 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $660,000 | 2,298 |
| Total noninterest expense | $14,114,000 | 1,057 |
| Salaries and employee benefits | $8,657,000 | 852 |
| Premises and equipment expense | $1,532,000 | 1,245 |
| Additional noninterest expense | $3,925,000 | 1,314 |
| Pre-tax net operating income | $-115,000 | 6,311 |
| Securities gains (losses) | $988,000 | 363 |
| Applicable income taxes | $25,000 | 3,953 |
| Income before extraordinary items | $848,000 | 3,412 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $848,000 | 3,414 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $848,000 | 3,414 |
| Net charge-offs | $3,081,000 | 937 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-110,360 | 6,345 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $11,450,000 | 1,273 |
| Total interest expense | $1,693,000 | 1,890 |
| Net interest income | $9,757,000 | 1,144 |
| Provision for loan and lease losses | $1,946,000 | 931 |
| Total noninterest income | $1,243,000 | 1,690 |
| Gross Fiduciary activities income | $284,000 | 538 |
| Service charges on deposit accounts | $937,000 | 775 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 6,181 |
| Total noninterest expense | $9,443,000 | 1,063 |
| Salaries and employee benefits | $5,739,000 | 870 |
| Premises and equipment expense | $964,000 | 1,322 |
| Additional noninterest expense | $2,740,000 | 1,295 |
| Pre-tax net operating income | $-389,000 | 6,722 |
| Securities gains (losses) | $913,000 | 216 |
| Applicable income taxes | $21,000 | 3,807 |
| Income before extraordinary items | $503,000 | 3,579 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $503,000 | 3,581 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $503,000 | 3,580 |
| Net charge-offs | $2,196,000 | 860 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-373,480 | 6,749 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,716,000 | 1,283 |
| Total interest expense | $859,000 | 1,930 |
| Net interest income | $4,857,000 | 1,153 |
| Provision for loan and lease losses | $1,146,000 | 778 |
| Total noninterest income | $782,000 | 1,444 |
| Gross Fiduciary activities income | $156,000 | 523 |
| Service charges on deposit accounts | $448,000 | 802 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $178,000 | 2,635 |
| Total noninterest expense | $4,824,000 | 1,035 |
| Salaries and employee benefits | $2,900,000 | 872 |
| Premises and equipment expense | $518,000 | 1,263 |
| Additional noninterest expense | $1,406,000 | 1,258 |
| Pre-tax net operating income | $-331,000 | 6,969 |
| Securities gains (losses) | $466,000 | 166 |
| Applicable income taxes | $21,000 | 3,412 |
| Income before extraordinary items | $114,000 | 4,839 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $114,000 | 4,837 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $114,000 | 4,839 |
| Net charge-offs | $2,102,000 | 526 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-277,440 | 6,949 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $23,996,000 | 1,284 |
| Total interest expense | $4,491,000 | 1,802 |
| Net interest income | $19,505,000 | 1,146 |
| Provision for loan and lease losses | $5,307,000 | 1,093 |
| Total noninterest income | $4,577,000 | 1,155 |
| Gross Fiduciary activities income | $513,000 | 545 |
| Service charges on deposit accounts | $2,209,000 | 674 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,855,000 | 1,471 |
| Total noninterest expense | $17,796,000 | 1,117 |
| Salaries and employee benefits | $11,113,000 | 881 |
| Premises and equipment expense | $2,040,000 | 1,268 |
| Additional noninterest expense | $4,643,000 | 1,552 |
| Pre-tax net operating income | $979,000 | 3,411 |
| Securities gains (losses) | $855,000 | 563 |
| Applicable income taxes | $24,000 | 3,939 |
| Income before extraordinary items | $1,810,000 | 2,193 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,810,000 | 2,195 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,810,000 | 2,196 |
| Net charge-offs | $6,222,000 | 854 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $963,550 | 3,156 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $18,090,000 | 1,299 |
| Total interest expense | $3,526,000 | 1,801 |
| Net interest income | $14,564,000 | 1,157 |
| Provision for loan and lease losses | $3,450,000 | 1,156 |
| Total noninterest income | $3,550,000 | 1,119 |
| Gross Fiduciary activities income | $384,000 | 545 |
| Service charges on deposit accounts | $1,725,000 | 665 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,441,000 | 1,374 |
| Total noninterest expense | $13,405,000 | 1,097 |
| Salaries and employee benefits | $8,277,000 | 877 |
| Premises and equipment expense | $1,554,000 | 1,267 |
| Additional noninterest expense | $3,574,000 | 1,485 |
| Pre-tax net operating income | $1,259,000 | 2,689 |
| Securities gains (losses) | $333,000 | 1,000 |
| Applicable income taxes | $20,000 | 3,999 |
| Income before extraordinary items | $1,572,000 | 2,065 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,572,000 | 2,067 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,572,000 | 2,067 |
| Net charge-offs | $4,060,000 | 907 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $2,141,000 | 193 |
| Net operating income | $1,242,330 | 2,355 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $12,170,000 | 1,302 |
| Total interest expense | $2,454,000 | 1,798 |
| Net interest income | $9,716,000 | 1,159 |
| Provision for loan and lease losses | $2,350,000 | 1,135 |
| Total noninterest income | $2,474,000 | 1,054 |
| Gross Fiduciary activities income | $261,000 | 549 |
| Service charges on deposit accounts | $1,176,000 | 651 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,037,000 | 1,257 |
| Total noninterest expense | $8,848,000 | 1,105 |
| Salaries and employee benefits | $5,457,000 | 897 |
| Premises and equipment expense | $1,013,000 | 1,307 |
| Additional noninterest expense | $2,378,000 | 1,491 |
| Pre-tax net operating income | $992,000 | 2,385 |
| Securities gains (losses) | $333,000 | 655 |
| Applicable income taxes | $20,000 | 3,787 |
| Income before extraordinary items | $1,305,000 | 1,677 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,305,000 | 1,676 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,305,000 | 1,677 |
| Net charge-offs | $3,452,000 | 732 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 811 |
| Net operating income | $978,660 | 2,080 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,146,000 | 1,313 |
| Total interest expense | $1,303,000 | 1,790 |
| Net interest income | $4,843,000 | 1,174 |
| Provision for loan and lease losses | $1,200,000 | 1,029 |
| Total noninterest income | $1,308,000 | 978 |
| Gross Fiduciary activities income | $140,000 | 540 |
| Service charges on deposit accounts | $556,000 | 696 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $612,000 | 1,110 |
| Total noninterest expense | $4,373,000 | 1,145 |
| Salaries and employee benefits | $2,696,000 | 911 |
| Premises and equipment expense | $528,000 | 1,302 |
| Additional noninterest expense | $1,149,000 | 1,538 |
| Pre-tax net operating income | $578,000 | 2,152 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $578,000 | 1,884 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $578,000 | 1,882 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $578,000 | 1,884 |
| Net charge-offs | $3,365,000 | 445 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 747 |
| Net operating income | $578,000 | 1,814 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $27,428,000 | 1,255 |
| Total interest expense | $8,510,000 | 1,413 |
| Net interest income | $18,918,000 | 1,177 |
| Provision for loan and lease losses | $5,233,000 | 1,387 |
| Total noninterest income | $4,519,000 | 1,191 |
| Gross Fiduciary activities income | $479,000 | 555 |
| Service charges on deposit accounts | $2,366,000 | 706 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,674,000 | 1,550 |
| Total noninterest expense | $17,432,000 | 1,190 |
| Salaries and employee benefits | $10,314,000 | 950 |
| Premises and equipment expense | $2,185,000 | 1,249 |
| Additional noninterest expense | $4,933,000 | 1,510 |
| Pre-tax net operating income | $772,000 | 3,401 |
| Securities gains (losses) | $657,000 | 717 |
| Applicable income taxes | $10,000 | 3,886 |
| Income before extraordinary items | $1,419,000 | 2,201 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,419,000 | 2,200 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,419,000 | 2,201 |
| Net charge-offs | $2,609,000 | 1,748 |
| Cash dividends | $1,362,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 1,045 |
| Net operating income | $768,570 | 3,149 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $21,181,000 | 1,239 |
| Total interest expense | $6,889,000 | 1,365 |
| Net interest income | $14,292,000 | 1,157 |
| Provision for loan and lease losses | $3,400,000 | 1,364 |
| Total noninterest income | $3,193,000 | 1,256 |
| Gross Fiduciary activities income | $370,000 | 550 |
| Service charges on deposit accounts | $1,770,000 | 702 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,053,000 | 1,763 |
| Total noninterest expense | $13,153,000 | 1,168 |
| Salaries and employee benefits | $7,964,000 | 942 |
| Premises and equipment expense | $1,645,000 | 1,252 |
| Additional noninterest expense | $3,544,000 | 1,518 |
| Pre-tax net operating income | $932,000 | 2,862 |
| Securities gains (losses) | $282,000 | 1,042 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,214,000 | 2,156 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,214,000 | 2,153 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,214,000 | 2,156 |
| Net charge-offs | $930,000 | 2,281 |
| Cash dividends | $1,363,000 | 953 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 963 |
| Net operating income | $932,000 | 2,546 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,329,000 | 1,250 |
| Total interest expense | $4,890,000 | 1,360 |
| Net interest income | $9,439,000 | 1,174 |
| Provision for loan and lease losses | $2,300,000 | 1,288 |
| Total noninterest income | $2,549,000 | 1,091 |
| Gross Fiduciary activities income | $253,000 | 548 |
| Service charges on deposit accounts | $1,156,000 | 715 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,140,000 | 1,303 |
| Total noninterest expense | $8,827,000 | 1,178 |
| Salaries and employee benefits | $5,436,000 | 939 |
| Premises and equipment expense | $1,105,000 | 1,272 |
| Additional noninterest expense | $2,286,000 | 1,600 |
| Pre-tax net operating income | $861,000 | 2,379 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $861,000 | 2,109 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $861,000 | 2,106 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $861,000 | 2,108 |
| Net charge-offs | $534,000 | 2,275 |
| Cash dividends | $732,000 | 1,230 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 943 |
| Net operating income | $861,000 | 2,048 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,220,000 | 1,256 |
| Total interest expense | $2,553,000 | 1,347 |
| Net interest income | $4,667,000 | 1,184 |
| Provision for loan and lease losses | $1,600,000 | 869 |
| Total noninterest income | $1,238,000 | 1,081 |
| Gross Fiduciary activities income | $135,000 | 539 |
| Service charges on deposit accounts | $542,000 | 744 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $561,000 | 1,290 |
| Total noninterest expense | $4,181,000 | 1,198 |
| Salaries and employee benefits | $2,676,000 | 954 |
| Premises and equipment expense | $538,000 | 1,330 |
| Additional noninterest expense | $967,000 | 1,677 |
| Pre-tax net operating income | $124,000 | 4,767 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $124,000 | 4,645 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $124,000 | 4,649 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $124,000 | 4,648 |
| Net charge-offs | $189,000 | 2,184 |
| Cash dividends | $610,000 | 711 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 825 |
| Net operating income | $124,000 | 4,476 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $31,125,000 | 1,232 |
| Total interest expense | $13,417,000 | 1,202 |
| Net interest income | $17,708,000 | 1,246 |
| Provision for loan and lease losses | $3,375,000 | 1,293 |
| Total noninterest income | $5,550,000 | 966 |
| Gross Fiduciary activities income | $553,000 | 546 |
| Service charges on deposit accounts | $2,458,000 | 706 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,539,000 | 1,105 |
| Total noninterest expense | $16,872,000 | 1,161 |
| Salaries and employee benefits | $10,831,000 | 925 |
| Premises and equipment expense | $2,155,000 | 1,269 |
| Additional noninterest expense | $3,886,000 | 1,597 |
| Pre-tax net operating income | $3,011,000 | 1,791 |
| Securities gains (losses) | $-563,000 | 7,588 |
| Applicable income taxes | $-76,000 | 7,028 |
| Income before extraordinary items | $2,524,000 | 1,604 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,524,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,141,000 | 1,820 |
| Cash dividends | $1,262,000 | 1,964 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 1,109 |
| Net operating income | $3,087,000 | 1,425 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,589,000 | 1,241 |
| Total interest expense | $10,456,000 | 1,208 |
| Net interest income | $13,133,000 | 1,278 |
| Provision for loan and lease losses | $1,675,000 | 1,330 |
| Total noninterest income | $4,349,000 | 976 |
| Gross Fiduciary activities income | $435,000 | 539 |
| Service charges on deposit accounts | $1,831,000 | 722 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,083,000 | 1,078 |
| Total noninterest expense | $12,875,000 | 1,136 |
| Salaries and employee benefits | $8,352,000 | 921 |
| Premises and equipment expense | $1,668,000 | 1,227 |
| Additional noninterest expense | $2,855,000 | 1,567 |
| Pre-tax net operating income | $2,932,000 | 1,665 |
| Securities gains (losses) | $-644,000 | 7,821 |
| Applicable income taxes | $-99,000 | 7,533 |
| Income before extraordinary items | $2,387,000 | 1,521 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,387,000 | 1,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $756,000 | 1,543 |
| Cash dividends | $1,153,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 986 |
| Net operating income | $3,031,000 | 1,295 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,591,000 | 1,275 |
| Total interest expense | $7,185,000 | 1,225 |
| Net interest income | $8,406,000 | 1,334 |
| Provision for loan and lease losses | $1,175,000 | 1,114 |
| Total noninterest income | $2,787,000 | 1,016 |
| Gross Fiduciary activities income | $295,000 | 549 |
| Service charges on deposit accounts | $1,175,000 | 738 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,317,000 | 1,161 |
| Total noninterest expense | $8,503,000 | 1,137 |
| Salaries and employee benefits | $5,547,000 | 934 |
| Premises and equipment expense | $1,116,000 | 1,222 |
| Additional noninterest expense | $1,840,000 | 1,599 |
| Pre-tax net operating income | $1,515,000 | 2,175 |
| Securities gains (losses) | $196,000 | 624 |
| Applicable income taxes | $9,000 | 5,023 |
| Income before extraordinary items | $1,702,000 | 1,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,702,000 | 1,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $341,000 | 1,666 |
| Cash dividends | $713,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 894 |
| Net operating income | $1,507,960 | 1,773 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,781,000 | 1,314 |
| Total interest expense | $3,801,000 | 1,230 |
| Net interest income | $3,980,000 | 1,399 |
| Provision for loan and lease losses | $192,000 | 1,865 |
| Total noninterest income | $1,284,000 | 1,082 |
| Gross Fiduciary activities income | $137,000 | 582 |
| Service charges on deposit accounts | $511,000 | 839 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $636,000 | 1,196 |
| Total noninterest expense | $4,184,000 | 1,160 |
| Salaries and employee benefits | $2,776,000 | 949 |
| Premises and equipment expense | $531,000 | 1,298 |
| Additional noninterest expense | $877,000 | 1,638 |
| Pre-tax net operating income | $888,000 | 1,987 |
| Securities gains (losses) | $187,000 | 465 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $1,067,000 | 1,407 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,067,000 | 1,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,479 |
| Cash dividends | $376,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 771 |
| Net operating income | $881,870 | 1,624 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $30,777,000 | 1,394 |
| Total interest expense | $14,092,000 | 1,417 |
| Net interest income | $16,685,000 | 1,344 |
| Provision for loan and lease losses | $975,000 | 1,452 |
| Total noninterest income | $6,086,000 | 938 |
| Gross Fiduciary activities income | $585,000 | 555 |
| Service charges on deposit accounts | $2,134,000 | 833 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,367,000 | 928 |
| Total noninterest expense | $16,261,000 | 1,151 |
| Salaries and employee benefits | $10,420,000 | 960 |
| Premises and equipment expense | $2,136,000 | 1,242 |
| Additional noninterest expense | $3,705,000 | 1,500 |
| Pre-tax net operating income | $5,535,000 | 1,510 |
| Securities gains (losses) | $18,000 | 1,138 |
| Applicable income taxes | $2,403,000 | 964 |
| Income before extraordinary items | $3,150,000 | 1,964 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,150,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $651,000 | 1,401 |
| Cash dividends | $440,000 | 3,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,138,480 | 1,952 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,726,000 | 1,421 |
| Total interest expense | $10,254,000 | 1,457 |
| Net interest income | $12,472,000 | 1,352 |
| Provision for loan and lease losses | $550,000 | 1,443 |
| Total noninterest income | $4,891,000 | 881 |
| Gross Fiduciary activities income | $442,000 | 553 |
| Service charges on deposit accounts | $1,582,000 | 832 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,867,000 | 853 |
| Total noninterest expense | $12,334,000 | 1,137 |
| Salaries and employee benefits | $8,036,000 | 924 |
| Premises and equipment expense | $1,550,000 | 1,278 |
| Additional noninterest expense | $2,748,000 | 1,477 |
| Pre-tax net operating income | $4,479,000 | 1,512 |
| Securities gains (losses) | $4,000 | 1,247 |
| Applicable income taxes | $1,018,000 | 1,624 |
| Income before extraordinary items | $3,465,000 | 1,472 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,465,000 | 1,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $622,000 | 909 |
| Cash dividends | $330,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,461,920 | 1,462 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,941,000 | 1,451 |
| Total interest expense | $6,587,000 | 1,520 |
| Net interest income | $8,354,000 | 1,364 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $3,659,000 | 828 |
| Gross Fiduciary activities income | $299,000 | 557 |
| Service charges on deposit accounts | $1,031,000 | 861 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,329,000 | 754 |
| Total noninterest expense | $8,206,000 | 1,149 |
| Salaries and employee benefits | $5,372,000 | 941 |
| Premises and equipment expense | $1,032,000 | 1,297 |
| Additional noninterest expense | $1,802,000 | 1,515 |
| Pre-tax net operating income | $3,507,000 | 1,347 |
| Securities gains (losses) | $-7,000 | 7,919 |
| Applicable income taxes | $888,000 | 1,390 |
| Income before extraordinary items | $2,612,000 | 1,363 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,612,000 | 1,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $219,000 | 3,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,617,250 | 1,339 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,391,000 | 1,461 |
| Total interest expense | $3,222,000 | 1,539 |
| Net interest income | $4,169,000 | 1,359 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $2,220,000 | 690 |
| Gross Fiduciary activities income | $137,000 | 589 |
| Service charges on deposit accounts | $478,000 | 905 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,605,000 | 584 |
| Total noninterest expense | $4,067,000 | 1,153 |
| Salaries and employee benefits | $2,725,000 | 937 |
| Premises and equipment expense | $558,000 | 1,207 |
| Additional noninterest expense | $784,000 | 1,710 |
| Pre-tax net operating income | $2,172,000 | 1,073 |
| Securities gains (losses) | $-7,000 | 8,210 |
| Applicable income taxes | $603,000 | 1,117 |
| Income before extraordinary items | $1,562,000 | 1,129 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,562,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,733 |
| Cash dividends | $110,000 | 3,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,567,040 | 1,107 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,252,000 | 1,411 |
| Total interest expense | $11,122,000 | 1,515 |
| Net interest income | $17,130,000 | 1,336 |
| Provision for loan and lease losses | $700,000 | 1,414 |
| Total noninterest income | $4,832,000 | 1,119 |
| Gross Fiduciary activities income | $559,000 | 560 |
| Service charges on deposit accounts | $2,201,000 | 798 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,072,000 | 1,317 |
| Total noninterest expense | $15,283,000 | 1,182 |
| Salaries and employee benefits | $10,118,000 | 951 |
| Premises and equipment expense | $1,781,000 | 1,442 |
| Additional noninterest expense | $3,384,000 | 1,558 |
| Pre-tax net operating income | $5,979,000 | 1,606 |
| Securities gains (losses) | $-17,000 | 7,486 |
| Applicable income taxes | $1,389,000 | 1,778 |
| Income before extraordinary items | $4,573,000 | 1,582 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,573,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $991,000 | 690 |
| Cash dividends | $854,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,586,090 | 1,565 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $20,847,000 | 1,428 |
| Total interest expense | $8,011,000 | 1,526 |
| Net interest income | $12,836,000 | 1,350 |
| Provision for loan and lease losses | $525,000 | 1,341 |
| Total noninterest income | $3,658,000 | 1,123 |
| Gross Fiduciary activities income | $419,000 | 557 |
| Service charges on deposit accounts | $1,693,000 | 792 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,546,000 | 1,337 |
| Total noninterest expense | $11,471,000 | 1,192 |
| Salaries and employee benefits | $7,696,000 | 945 |
| Premises and equipment expense | $1,245,000 | 1,563 |
| Additional noninterest expense | $2,530,000 | 1,559 |
| Pre-tax net operating income | $4,498,000 | 1,651 |
| Securities gains (losses) | $-12,000 | 7,658 |
| Applicable income taxes | $1,043,000 | 1,828 |
| Income before extraordinary items | $3,443,000 | 1,609 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,443,000 | 1,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $900,000 | 503 |
| Cash dividends | $756,000 | 2,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,452,240 | 1,583 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,640,000 | 1,420 |
| Total interest expense | $5,065,000 | 1,539 |
| Net interest income | $8,575,000 | 1,343 |
| Provision for loan and lease losses | $350,000 | 1,308 |
| Total noninterest income | $2,494,000 | 1,109 |
| Gross Fiduciary activities income | $287,000 | 561 |
| Service charges on deposit accounts | $1,133,000 | 771 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,074,000 | 1,289 |
| Total noninterest expense | $7,502,000 | 1,221 |
| Salaries and employee benefits | $5,115,000 | 957 |
| Premises and equipment expense | $839,000 | 1,550 |
| Additional noninterest expense | $1,548,000 | 1,711 |
| Pre-tax net operating income | $3,217,000 | 1,556 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $852,000 | 1,581 |
| Income before extraordinary items | $2,365,000 | 1,560 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,365,000 | 1,561 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $584,000 | 508 |
| Cash dividends | $671,000 | 1,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,365,000 | 1,543 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,607,000 | 1,431 |
| Total interest expense | $2,315,000 | 1,599 |
| Net interest income | $4,292,000 | 1,338 |
| Provision for loan and lease losses | $175,000 | 1,259 |
| Total noninterest income | $1,219,000 | 1,109 |
| Gross Fiduciary activities income | $133,000 | 585 |
| Service charges on deposit accounts | $537,000 | 792 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $549,000 | 1,250 |
| Total noninterest expense | $3,711,000 | 1,231 |
| Salaries and employee benefits | $2,544,000 | 963 |
| Premises and equipment expense | $466,000 | 1,392 |
| Additional noninterest expense | $701,000 | 1,861 |
| Pre-tax net operating income | $1,625,000 | 1,520 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $439,000 | 1,544 |
| Income before extraordinary items | $1,186,000 | 1,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,186,000 | 1,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $457,000 | 347 |
| Cash dividends | $585,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,186,000 | 1,511 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $24,545,000 | 1,359 |
| Total interest expense | $6,894,000 | 1,654 |
| Net interest income | $17,651,000 | 1,229 |
| Provision for loan and lease losses | $567,000 | 1,721 |
| Total noninterest income | $4,171,000 | 1,241 |
| Gross Fiduciary activities income | $560,000 | 558 |
| Service charges on deposit accounts | $2,123,000 | 811 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,488,000 | 1,671 |
| Total noninterest expense | $14,838,000 | 1,168 |
| Salaries and employee benefits | $9,657,000 | 945 |
| Premises and equipment expense | $1,931,000 | 1,271 |
| Additional noninterest expense | $3,250,000 | 1,566 |
| Pre-tax net operating income | $6,417,000 | 1,493 |
| Securities gains (losses) | $-88,000 | 8,386 |
| Applicable income taxes | $1,793,000 | 1,485 |
| Income before extraordinary items | $4,536,000 | 1,545 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,536,000 | 1,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $298,000 | 1,744 |
| Cash dividends | $2,289,000 | 1,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,599,360 | 1,509 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $18,063,000 | 1,350 |
| Total interest expense | $4,881,000 | 1,655 |
| Net interest income | $13,182,000 | 1,218 |
| Provision for loan and lease losses | $464,000 | 1,501 |
| Total noninterest income | $3,078,000 | 1,262 |
| Gross Fiduciary activities income | $426,000 | 549 |
| Service charges on deposit accounts | $1,575,000 | 824 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,077,000 | 1,732 |
| Total noninterest expense | $10,883,000 | 1,183 |
| Salaries and employee benefits | $7,170,000 | 943 |
| Premises and equipment expense | $1,471,000 | 1,238 |
| Additional noninterest expense | $2,242,000 | 1,673 |
| Pre-tax net operating income | $4,913,000 | 1,459 |
| Securities gains (losses) | $-40,000 | 8,403 |
| Applicable income taxes | $1,461,000 | 1,411 |
| Income before extraordinary items | $3,412,000 | 1,548 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,412,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $262,000 | 1,394 |
| Cash dividends | $215,000 | 3,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,440,000 | 1,506 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,769,000 | 1,340 |
| Total interest expense | $2,999,000 | 1,684 |
| Net interest income | $8,770,000 | 1,204 |
| Provision for loan and lease losses | $309,000 | 1,473 |
| Total noninterest income | $1,936,000 | 1,304 |
| Gross Fiduciary activities income | $293,000 | 546 |
| Service charges on deposit accounts | $1,033,000 | 819 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $610,000 | 1,909 |
| Total noninterest expense | $7,246,000 | 1,163 |
| Salaries and employee benefits | $4,813,000 | 930 |
| Premises and equipment expense | $1,018,000 | 1,180 |
| Additional noninterest expense | $1,415,000 | 1,748 |
| Pre-tax net operating income | $3,151,000 | 1,486 |
| Securities gains (losses) | $-30,000 | 8,475 |
| Applicable income taxes | $921,000 | 1,459 |
| Income before extraordinary items | $2,200,000 | 1,566 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,200,000 | 1,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 1,526 |
| Cash dividends | $142,000 | 3,923 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,221,000 | 1,527 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,715,000 | 1,342 |
| Total interest expense | $1,370,000 | 1,740 |
| Net interest income | $4,345,000 | 1,215 |
| Provision for loan and lease losses | $154,000 | 1,359 |
| Total noninterest income | $751,000 | 1,567 |
| Gross Fiduciary activities income | $133,000 | 581 |
| Service charges on deposit accounts | $468,000 | 873 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $150,000 | 2,977 |
| Total noninterest expense | $3,533,000 | 1,195 |
| Salaries and employee benefits | $2,348,000 | 948 |
| Premises and equipment expense | $526,000 | 1,152 |
| Additional noninterest expense | $659,000 | 1,864 |
| Pre-tax net operating income | $1,409,000 | 1,605 |
| Securities gains (losses) | $-13,000 | 8,592 |
| Applicable income taxes | $397,000 | 1,613 |
| Income before extraordinary items | $999,000 | 1,672 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $999,000 | 1,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,512 |
| Cash dividends | $69,000 | 3,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,008,360 | 1,634 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $21,646,000 | 1,313 |
| Total interest expense | $4,893,000 | 1,672 |
| Net interest income | $16,753,000 | 1,197 |
| Provision for loan and lease losses | $345,000 | 2,653 |
| Total noninterest income | $4,550,000 | 1,160 |
| Gross Fiduciary activities income | $552,000 | 538 |
| Service charges on deposit accounts | $2,275,000 | 772 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,723,000 | 1,473 |
| Total noninterest expense | $14,347,000 | 1,133 |
| Salaries and employee benefits | $9,328,000 | 923 |
| Premises and equipment expense | $2,185,000 | 1,059 |
| Additional noninterest expense | $2,834,000 | 1,724 |
| Pre-tax net operating income | $6,611,000 | 1,309 |
| Securities gains (losses) | $135,000 | 1,042 |
| Applicable income taxes | $2,094,000 | 1,217 |
| Income before extraordinary items | $4,652,000 | 1,383 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,652,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $965,000 | 805 |
| Cash dividends | $798,000 | 2,739 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,558,850 | 1,375 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,127,000 | 1,298 |
| Total interest expense | $3,613,000 | 1,670 |
| Net interest income | $12,514,000 | 1,191 |
| Provision for loan and lease losses | $345,000 | 2,034 |
| Total noninterest income | $3,566,000 | 1,134 |
| Gross Fiduciary activities income | $417,000 | 535 |
| Service charges on deposit accounts | $1,741,000 | 764 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,408,000 | 1,403 |
| Total noninterest expense | $10,683,000 | 1,136 |
| Salaries and employee benefits | $7,034,000 | 912 |
| Premises and equipment expense | $1,632,000 | 1,059 |
| Additional noninterest expense | $2,017,000 | 1,782 |
| Pre-tax net operating income | $5,052,000 | 1,294 |
| Securities gains (losses) | $116,000 | 1,082 |
| Applicable income taxes | $1,606,000 | 1,215 |
| Income before extraordinary items | $3,562,000 | 1,383 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,562,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $387,000 | 1,191 |
| Cash dividends | $233,000 | 3,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,481,960 | 1,367 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,650,000 | 1,299 |
| Total interest expense | $2,403,000 | 1,659 |
| Net interest income | $8,247,000 | 1,198 |
| Provision for loan and lease losses | $345,000 | 1,394 |
| Total noninterest income | $2,427,000 | 1,112 |
| Gross Fiduciary activities income | $284,000 | 530 |
| Service charges on deposit accounts | $1,185,000 | 735 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $958,000 | 1,368 |
| Total noninterest expense | $6,752,000 | 1,198 |
| Salaries and employee benefits | $4,458,000 | 951 |
| Premises and equipment expense | $1,069,000 | 1,090 |
| Additional noninterest expense | $1,225,000 | 1,947 |
| Pre-tax net operating income | $3,577,000 | 1,201 |
| Securities gains (losses) | $158,000 | 759 |
| Applicable income taxes | $1,261,000 | 1,069 |
| Income before extraordinary items | $2,474,000 | 1,312 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,474,000 | 1,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 1,565 |
| Cash dividends | $122,000 | 4,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,369,720 | 1,315 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,334,000 | 1,302 |
| Total interest expense | $1,219,000 | 1,651 |
| Net interest income | $4,115,000 | 1,201 |
| Provision for loan and lease losses | $345,000 | 722 |
| Total noninterest income | $1,125,000 | 1,145 |
| Gross Fiduciary activities income | $120,000 | 593 |
| Service charges on deposit accounts | $561,000 | 759 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $444,000 | 1,410 |
| Total noninterest expense | $3,326,000 | 1,227 |
| Salaries and employee benefits | $2,166,000 | 995 |
| Premises and equipment expense | $539,000 | 1,100 |
| Additional noninterest expense | $621,000 | 1,904 |
| Pre-tax net operating income | $1,569,000 | 1,334 |
| Securities gains (losses) | $101,000 | 797 |
| Applicable income taxes | $565,000 | 1,190 |
| Income before extraordinary items | $1,105,000 | 1,451 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,105,000 | 1,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 1,072 |
| Cash dividends | $61,000 | 3,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,038,340 | 1,455 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,015,000 | 1,286 |
| Total interest expense | $5,709,000 | 1,570 |
| Net interest income | $16,306,000 | 1,188 |
| Provision for loan and lease losses | $918,000 | 1,285 |
| Total noninterest income | $3,986,000 | 1,347 |
| Gross Fiduciary activities income | $481,000 | 577 |
| Service charges on deposit accounts | $1,450,000 | 1,197 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,055,000 | 1,446 |
| Total noninterest expense | $13,985,000 | 1,158 |
| Salaries and employee benefits | $9,109,000 | 941 |
| Premises and equipment expense | $2,082,000 | 1,094 |
| Additional noninterest expense | $2,794,000 | 1,739 |
| Pre-tax net operating income | $5,389,000 | 1,522 |
| Securities gains (losses) | $198,000 | 1,352 |
| Applicable income taxes | $1,849,000 | 1,361 |
| Income before extraordinary items | $3,738,000 | 1,659 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,738,000 | 1,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $541,000 | 1,506 |
| Cash dividends | $215,000 | 4,833 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 9,104 |
| Net operating income | $3,605,340 | 1,643 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,663,000 | 1,302 |
| Total interest expense | $4,380,000 | 1,596 |
| Net interest income | $12,283,000 | 1,191 |
| Provision for loan and lease losses | $790,000 | 1,098 |
| Total noninterest income | $3,029,000 | 1,358 |
| Gross Fiduciary activities income | $364,000 | 575 |
| Service charges on deposit accounts | $977,000 | 1,331 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,688,000 | 1,411 |
| Total noninterest expense | $10,345,000 | 1,179 |
| Salaries and employee benefits | $6,814,000 | 956 |
| Premises and equipment expense | $1,515,000 | 1,133 |
| Additional noninterest expense | $2,016,000 | 1,794 |
| Pre-tax net operating income | $4,177,000 | 1,522 |
| Securities gains (losses) | $228,000 | 1,153 |
| Applicable income taxes | $1,483,000 | 1,366 |
| Income before extraordinary items | $2,922,000 | 1,645 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,922,000 | 1,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,374 |
| Cash dividends | $161,000 | 4,294 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 9,167 |
| Net operating income | $2,771,520 | 1,638 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,155,000 | 1,304 |
| Total interest expense | $2,963,000 | 1,636 |
| Net interest income | $8,192,000 | 1,192 |
| Provision for loan and lease losses | $546,000 | 1,066 |
| Total noninterest income | $2,024,000 | 1,358 |
| Gross Fiduciary activities income | $226,000 | 604 |
| Service charges on deposit accounts | $642,000 | 1,341 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,156,000 | 1,374 |
| Total noninterest expense | $6,772,000 | 1,204 |
| Salaries and employee benefits | $4,492,000 | 963 |
| Premises and equipment expense | $958,000 | 1,192 |
| Additional noninterest expense | $1,322,000 | 1,822 |
| Pre-tax net operating income | $2,898,000 | 1,462 |
| Securities gains (losses) | $168,000 | 1,153 |
| Applicable income taxes | $1,065,000 | 1,304 |
| Income before extraordinary items | $2,001,000 | 1,621 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,001,000 | 1,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 1,459 |
| Cash dividends | $107,000 | 4,174 |
| Sale, conversion, retirement of capital stock, net | $-72,000 | 9,211 |
| Net operating income | $1,891,800 | 1,608 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,692,000 | 1,291 |
| Total interest expense | $1,495,000 | 1,671 |
| Net interest income | $4,197,000 | 1,168 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $1,001,000 | 1,331 |
| Gross Fiduciary activities income | $109,000 | 617 |
| Service charges on deposit accounts | $327,000 | 1,288 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $565,000 | 1,361 |
| Total noninterest expense | $3,320,000 | 1,208 |
| Salaries and employee benefits | $2,226,000 | 969 |
| Premises and equipment expense | $464,000 | 1,233 |
| Additional noninterest expense | $630,000 | 1,868 |
| Pre-tax net operating income | $1,728,000 | 1,246 |
| Securities gains (losses) | $149,000 | 801 |
| Applicable income taxes | $665,000 | 1,109 |
| Income before extraordinary items | $1,212,000 | 1,362 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,212,000 | 1,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 1,096 |
| Cash dividends | $54,000 | 3,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,115,150 | 1,372 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,780,000 | 1,288 |
| Total interest expense | $7,096,000 | 1,601 |
| Net interest income | $16,684,000 | 1,166 |
| Provision for loan and lease losses | $1,236,000 | 1,098 |
| Total noninterest income | $3,711,000 | 1,331 |
| Gross Fiduciary activities income | $448,000 | 610 |
| Service charges on deposit accounts | $1,459,000 | 1,102 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,804,000 | 1,427 |
| Total noninterest expense | $13,795,000 | 1,119 |
| Salaries and employee benefits | $8,380,000 | 965 |
| Premises and equipment expense | $2,231,000 | 980 |
| Additional noninterest expense | $3,184,000 | 1,490 |
| Pre-tax net operating income | $5,364,000 | 1,528 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,999,000 | 1,297 |
| Income before extraordinary items | $3,365,000 | 1,778 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,365,000 | 1,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,271 |
| Cash dividends | $255,000 | 4,565 |
| Sale, conversion, retirement of capital stock, net | $-1,309,000 | 9,325 |
| Net operating income | $3,365,000 | 1,725 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,104,000 | 2,258 |
| Total interest expense | $5,827,000 | 2,744 |
| Net interest income | $9,277,000 | 1,920 |
| Provision for loan and lease losses | $475,000 | 2,312 |
| Total noninterest income | $1,973,000 | 2,039 |
| Gross Fiduciary activities income | $362,000 | 677 |
| Service charges on deposit accounts | $1,014,000 | 1,459 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $597,000 | 2,837 |
| Total noninterest expense | $7,026,000 | 2,046 |
| Salaries and employee benefits | $4,133,000 | 1,806 |
| Premises and equipment expense | $1,001,000 | 2,127 |
| Additional noninterest expense | $1,892,000 | 2,364 |
| Pre-tax net operating income | $3,749,000 | 1,874 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,341,000 | 1,657 |
| Income before extraordinary items | $2,408,000 | 2,162 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,408,000 | 2,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-434,000 | 9,588 |
| Cash dividends | $128,000 | 5,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,408,000 | 2,092 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,605,000 | 2,561 |
| Total interest expense | $5,556,000 | 2,993 |
| Net interest income | $8,049,000 | 2,208 |
| Provision for loan and lease losses | $585,000 | 1,664 |
| Total noninterest income | $1,852,000 | 1,994 |
| Gross Fiduciary activities income | $260,000 | 748 |
| Service charges on deposit accounts | $1,048,000 | 1,297 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $544,000 | 2,813 |
| Total noninterest expense | $6,284,000 | 2,191 |
| Salaries and employee benefits | $3,632,000 | 1,970 |
| Premises and equipment expense | $915,000 | 2,252 |
| Additional noninterest expense | $1,737,000 | 2,470 |
| Pre-tax net operating income | $3,032,000 | 2,368 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,065,000 | 2,011 |
| Income before extraordinary items | $1,967,000 | 2,613 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,967,000 | 2,612 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 9,605 |
| Cash dividends | $114,000 | 5,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,967,000 | 2,607 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,716,000 | 3,007 |
| Total interest expense | $4,073,000 | 3,532 |
| Net interest income | $6,643,000 | 2,635 |
| Provision for loan and lease losses | $400,000 | 2,102 |
| Total noninterest income | $1,661,000 | 2,138 |
| Gross Fiduciary activities income | $185,000 | 883 |
| Service charges on deposit accounts | $1,008,000 | 1,303 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $468,000 | 3,080 |
| Total noninterest expense | $5,502,000 | 2,460 |
| Salaries and employee benefits | $3,079,000 | 2,281 |
| Premises and equipment expense | $869,000 | 2,334 |
| Additional noninterest expense | $1,554,000 | 2,781 |
| Pre-tax net operating income | $2,402,000 | 2,887 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $836,000 | 2,549 |
| Income before extraordinary items | $1,566,000 | 3,139 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,566,000 | 3,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,827 |
| Cash dividends | $102,000 | 6,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,566,000 | 3,108 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,551,000 | 3,366 |
| Total interest expense | $3,866,000 | 3,802 |
| Net interest income | $5,685,000 | 3,029 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $1,726,000 | 2,037 |
| Gross Fiduciary activities income | $123,000 | 968 |
| Service charges on deposit accounts | $767,000 | 1,653 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $836,000 | 2,095 |
| Total noninterest expense | $5,261,000 | 2,473 |
| Salaries and employee benefits | $2,673,000 | 2,523 |
| Premises and equipment expense | $1,245,000 | 1,569 |
| Additional noninterest expense | $1,343,000 | 3,049 |
| Pre-tax net operating income | $2,150,000 | 3,141 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $720,000 | 2,963 |
| Income before extraordinary items | $1,430,000 | 3,381 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,430,000 | 3,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 10,100 |
| Cash dividends | $90,000 | 6,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,430,000 | 3,291 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,900,000 | 4,020 |
| Total interest expense | $3,139,000 | 4,536 |
| Net interest income | $4,761,000 | 3,647 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $1,040,000 | 2,955 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,155 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $432,000 | 3,125 |
| Total noninterest expense | $3,757,000 | 3,366 |
| Salaries and employee benefits | $2,015,000 | 3,281 |
| Premises and equipment expense | $470,000 | 3,910 |
| Additional noninterest expense | $1,272,000 | 3,181 |
| Pre-tax net operating income | $1,944,000 | 3,636 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $664,000 | 3,398 |
| Income before extraordinary items | $1,280,000 | 3,850 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,280,000 | 3,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 10,605 |
| Cash dividends | $77,000 | 6,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,280,000 | 3,780 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,801,000 | 4,685 |
| Total interest expense | $2,560,000 | 5,416 |
| Net interest income | $4,241,000 | 4,095 |
| Provision for loan and lease losses | $75,000 | 5,702 |
| Total noninterest income | $869,000 | 3,481 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $527,000 | 2,584 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $342,000 | 3,746 |
| Total noninterest expense | $3,025,000 | 4,283 |
| Salaries and employee benefits | $1,665,000 | 3,921 |
| Premises and equipment expense | $389,000 | 4,641 |
| Additional noninterest expense | $971,000 | 4,513 |
| Pre-tax net operating income | $2,010,000 | 3,410 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $643,000 | 3,388 |
| Income before extraordinary items | $1,366,000 | 3,481 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,366,000 | 3,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 3,484 |
| Cash dividends | $58,000 | 7,411 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,366,680 | 3,430 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 4,847 |
| Total interest expense | $2,313,000 | 5,872 |
| Net interest income | $4,196,000 | 4,147 |
| Provision for loan and lease losses | $-400,000 | 11,887 |
| Total noninterest income | $819,000 | 3,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $477,000 | 2,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $342,000 | 3,668 |
| Total noninterest expense | $2,821,000 | 4,513 |
| Salaries and employee benefits | $1,410,000 | 4,540 |
| Premises and equipment expense | $410,000 | 4,442 |
| Additional noninterest expense | $1,001,000 | 4,345 |
| Pre-tax net operating income | $2,594,000 | 2,743 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $895,000 | 2,617 |
| Income before extraordinary items | $1,698,000 | 2,899 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,698,000 | 2,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-271,000 | 11,892 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $-950,000 | 10,518 |
| Net operating income | $1,698,650 | 2,860 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,359,000 | 5,355 |
| Total interest expense | $1,738,000 | 6,240 |
| Net interest income | $3,621,000 | 4,792 |
| Provision for loan and lease losses | $-440,000 | 12,447 |
| Total noninterest income | $717,000 | 4,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $453,000 | 3,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $264,000 | 4,440 |
| Total noninterest expense | $2,648,000 | 4,907 |
| Salaries and employee benefits | $1,313,000 | 4,830 |
| Premises and equipment expense | $373,000 | 4,863 |
| Additional noninterest expense | $962,000 | 4,870 |
| Pre-tax net operating income | $2,130,000 | 3,250 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $638,000 | 3,337 |
| Income before extraordinary items | $1,492,000 | 3,193 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,492,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 12,207 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $-950,000 | 12,571 |
| Net operating income | $1,492,000 | 3,220 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,571,000 | 6,229 |
| Total interest expense | $1,503,000 | 7,194 |
| Net interest income | $3,068,000 | 5,564 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $878,000 | 3,704 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $500,000 | 2,801 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $378,000 | 3,902 |
| Total noninterest expense | $2,637,000 | 5,035 |
| Salaries and employee benefits | $1,275,000 | 4,970 |
| Premises and equipment expense | $407,000 | 4,650 |
| Additional noninterest expense | $955,000 | 5,126 |
| Pre-tax net operating income | $1,309,000 | 4,838 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $102,000 | 9,679 |
| Income before extraordinary items | $1,211,000 | 3,984 |
| Extraordinary gains, net | $-140,000 | 12,985 |
| Net income | $1,071,000 | 4,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-143,000 | 13,039 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,207,320 | 3,795 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,168,000 | 7,290 |
| Total interest expense | $1,452,000 | 8,663 |
| Net interest income | $2,716,000 | 6,186 |
| Provision for loan and lease losses | $45,000 | 9,299 |
| Total noninterest income | $1,336,000 | 2,618 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $523,000 | 2,648 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $813,000 | 2,292 |
| Total noninterest expense | $2,459,000 | 5,393 |
| Salaries and employee benefits | $1,198,000 | 5,166 |
| Premises and equipment expense | $375,000 | 5,057 |
| Additional noninterest expense | $886,000 | 5,598 |
| Pre-tax net operating income | $1,548,000 | 3,938 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $510,000 | 3,950 |
| Income before extraordinary items | $1,038,000 | 4,346 |
| Extraordinary gains, net | $497,000 | 210 |
| Net income | $1,535,000 | 3,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,038,000 | 4,040 |
* 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.