Home > The National Bank of Georgia > Income and Expense
The National Bank of Georgia, Income and Expense
| 2016-09-30 (YTD Data) | Rank | |
| Total interest income | $13,016,000 | 1,468 |
| Total interest expense | $2,168,000 | 1,000 |
| Net interest income | $10,848,000 | 1,550 |
| Provision for loan and lease losses | $119,000 | 2,588 |
| Total noninterest income | $1,043,000 | 2,587 |
| Gross Fiduciary activities income | $0 | 1,132 |
| Service charges on deposit accounts | $166,000 | 3,463 |
| Trading account gains and fees | $0 | 169 |
| Additional Noninterest Income | $877,000 | 2,202 |
| Total noninterest expense | $5,970,000 | 2,295 |
| Salaries and employee benefits | $3,957,000 | 2,003 |
| Premises and equipment expense | $423,000 | 3,155 |
| Additional noninterest expense | $1,590,000 | 2,655 |
| Pre-tax net operating income | $5,802,000 | 1,150 |
| Securities gains (losses) | $6,000 | 2,746 |
| Applicable income taxes | $2,141,000 | 835 |
| Income before extraordinary items | $3,667,000 | 1,439 |
| Extraordinary gains, net | $0 | 5 |
| Net income | $3,667,000 | 1,439 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $3,667,000 | 1,439 |
| Net charge-offs | $-39,000 | 5,293 |
| Cash dividends | $500,000 | 2,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 719 |
| Net operating income | $3,663,160 | 1,397 |
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $8,561,000 | 1,492 |
| Total interest expense | $1,420,000 | 1,011 |
| Net interest income | $7,141,000 | 1,574 |
| Provision for loan and lease losses | $24,000 | 3,461 |
| Total noninterest income | $649,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $109,000 | 3,490 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $540,000 | 2,280 |
| Total noninterest expense | $3,977,000 | 2,311 |
| Salaries and employee benefits | $2,642,000 | 2,006 |
| Premises and equipment expense | $280,000 | 3,185 |
| Additional noninterest expense | $1,055,000 | 2,682 |
| Pre-tax net operating income | $3,789,000 | 1,160 |
| Securities gains (losses) | $6,000 | 2,403 |
| Applicable income taxes | $1,401,000 | 840 |
| Income before extraordinary items | $2,394,000 | 1,445 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,394,000 | 1,445 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $2,394,000 | 1,445 |
| Net charge-offs | $-57,000 | 5,545 |
| Cash dividends | $500,000 | 1,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 705 |
| Net operating income | $2,390,160 | 1,400 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $4,229,000 | 1,509 |
| Total interest expense | $687,000 | 1,037 |
| Net interest income | $3,542,000 | 1,587 |
| Provision for loan and lease losses | $24,000 | 2,793 |
| Total noninterest income | $299,000 | 2,729 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $53,000 | 3,519 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $246,000 | 2,361 |
| Total noninterest expense | $1,988,000 | 2,313 |
| Salaries and employee benefits | $1,332,000 | 1,999 |
| Premises and equipment expense | $130,000 | 3,379 |
| Additional noninterest expense | $526,000 | 2,672 |
| Pre-tax net operating income | $1,829,000 | 1,172 |
| Securities gains (losses) | $6,000 | 1,655 |
| Applicable income taxes | $679,000 | 838 |
| Income before extraordinary items | $1,156,000 | 1,448 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $1,156,000 | 1,448 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $1,156,000 | 1,449 |
| Net charge-offs | $-45,000 | 5,705 |
| Cash dividends | $500,000 | 1,173 |
| Sale, conversion, retirement of capital stock, net | $0 | 659 |
| Net operating income | $1,152,160 | 1,419 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $16,436,000 | 1,498 |
| Total interest expense | $2,603,000 | 1,087 |
| Net interest income | $13,833,000 | 1,584 |
| Provision for loan and lease losses | $117,000 | 2,932 |
| Total noninterest income | $1,423,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $269,000 | 3,233 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $1,154,000 | 2,196 |
| Total noninterest expense | $7,969,000 | 2,303 |
| Salaries and employee benefits | $5,181,000 | 1,997 |
| Premises and equipment expense | $553,000 | 3,273 |
| Additional noninterest expense | $2,235,000 | 2,556 |
| Pre-tax net operating income | $7,170,000 | 1,177 |
| Securities gains (losses) | $46,000 | 1,704 |
| Applicable income taxes | $2,464,000 | 863 |
| Income before extraordinary items | $4,752,000 | 1,401 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $4,752,000 | 1,401 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $4,752,000 | 1,401 |
| Net charge-offs | $58,000 | 3,136 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $4,721,640 | 1,386 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $12,293,000 | 1,516 |
| Total interest expense | $1,939,000 | 1,099 |
| Net interest income | $10,354,000 | 1,601 |
| Provision for loan and lease losses | $57,000 | 3,158 |
| Total noninterest income | $1,079,000 | 2,563 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $205,000 | 3,219 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $874,000 | 2,192 |
| Total noninterest expense | $6,192,000 | 2,232 |
| Salaries and employee benefits | $4,021,000 | 1,940 |
| Premises and equipment expense | $411,000 | 3,340 |
| Additional noninterest expense | $1,760,000 | 2,464 |
| Pre-tax net operating income | $5,184,000 | 1,233 |
| Securities gains (losses) | $46,000 | 1,525 |
| Applicable income taxes | $1,809,000 | 906 |
| Income before extraordinary items | $3,421,000 | 1,476 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,421,000 | 1,477 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,421,000 | 1,477 |
| Net charge-offs | $74,000 | 2,434 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $3,391,100 | 1,444 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $8,157,000 | 1,525 |
| Total interest expense | $1,277,000 | 1,116 |
| Net interest income | $6,880,000 | 1,607 |
| Provision for loan and lease losses | $57,000 | 2,825 |
| Total noninterest income | $790,000 | 2,439 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $138,000 | 3,186 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $652,000 | 2,059 |
| Total noninterest expense | $4,161,000 | 2,230 |
| Salaries and employee benefits | $2,757,000 | 1,904 |
| Premises and equipment expense | $264,000 | 3,427 |
| Additional noninterest expense | $1,140,000 | 2,537 |
| Pre-tax net operating income | $3,452,000 | 1,221 |
| Securities gains (losses) | $23,000 | 1,643 |
| Applicable income taxes | $1,241,000 | 878 |
| Income before extraordinary items | $2,234,000 | 1,480 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,234,000 | 1,481 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $2,234,000 | 1,482 |
| Net charge-offs | $-4,000 | 4,963 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $2,219,280 | 1,455 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $4,047,000 | 1,533 |
| Total interest expense | $634,000 | 1,124 |
| Net interest income | $3,413,000 | 1,622 |
| Provision for loan and lease losses | $57,000 | 1,999 |
| Total noninterest income | $373,000 | 2,488 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $73,000 | 3,050 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $300,000 | 2,129 |
| Total noninterest expense | $2,052,000 | 2,259 |
| Salaries and employee benefits | $1,387,000 | 1,896 |
| Premises and equipment expense | $129,000 | 3,500 |
| Additional noninterest expense | $536,000 | 2,646 |
| Pre-tax net operating income | $1,677,000 | 1,209 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $626,000 | 867 |
| Income before extraordinary items | $1,051,000 | 1,525 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $1,051,000 | 1,526 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $1,051,000 | 1,527 |
| Net charge-offs | $-5,000 | 5,132 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $1,051,000 | 1,474 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $16,033,000 | 1,547 |
| Total interest expense | $2,616,000 | 1,133 |
| Net interest income | $13,417,000 | 1,649 |
| Provision for loan and lease losses | $135,000 | 2,871 |
| Total noninterest income | $1,203,000 | 2,840 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $266,000 | 3,426 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $937,000 | 2,409 |
| Total noninterest expense | $8,191,000 | 2,282 |
| Salaries and employee benefits | $5,196,000 | 1,970 |
| Premises and equipment expense | $507,000 | 3,598 |
| Additional noninterest expense | $2,488,000 | 2,429 |
| Pre-tax net operating income | $6,294,000 | 1,259 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $2,292,000 | 886 |
| Income before extraordinary items | $4,002,000 | 1,593 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $4,002,000 | 1,592 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $4,002,000 | 1,592 |
| Net charge-offs | $-83,000 | 6,100 |
| Cash dividends | $600,000 | 2,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,002,000 | 1,561 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $12,060,000 | 1,555 |
| Total interest expense | $2,007,000 | 1,122 |
| Net interest income | $10,053,000 | 1,658 |
| Provision for loan and lease losses | $86,000 | 3,001 |
| Total noninterest income | $998,000 | 2,701 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $199,000 | 3,475 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $799,000 | 2,257 |
| Total noninterest expense | $6,203,000 | 2,274 |
| Salaries and employee benefits | $3,889,000 | 1,982 |
| Premises and equipment expense | $378,000 | 3,665 |
| Additional noninterest expense | $1,936,000 | 2,324 |
| Pre-tax net operating income | $4,762,000 | 1,265 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $1,735,000 | 898 |
| Income before extraordinary items | $3,027,000 | 1,567 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,027,000 | 1,567 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $3,027,000 | 1,567 |
| Net charge-offs | $-56,000 | 6,067 |
| Cash dividends | $600,000 | 2,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $3,027,000 | 1,536 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $8,001,000 | 1,555 |
| Total interest expense | $1,381,000 | 1,093 |
| Net interest income | $6,620,000 | 1,665 |
| Provision for loan and lease losses | $86,000 | 2,526 |
| Total noninterest income | $655,000 | 2,707 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $126,000 | 3,559 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $529,000 | 2,240 |
| Total noninterest expense | $3,899,000 | 2,376 |
| Salaries and employee benefits | $2,579,000 | 1,998 |
| Premises and equipment expense | $245,000 | 3,752 |
| Additional noninterest expense | $1,075,000 | 2,719 |
| Pre-tax net operating income | $3,290,000 | 1,202 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $1,200,000 | 843 |
| Income before extraordinary items | $2,090,000 | 1,472 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,090,000 | 1,474 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $2,090,000 | 1,474 |
| Net charge-offs | $-49,000 | 6,139 |
| Cash dividends | $600,000 | 1,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $2,090,000 | 1,445 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $3,967,000 | 1,561 |
| Total interest expense | $677,000 | 1,119 |
| Net interest income | $3,290,000 | 1,661 |
| Provision for loan and lease losses | $86,000 | 1,731 |
| Total noninterest income | $239,000 | 3,132 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $60,000 | 3,626 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $179,000 | 2,720 |
| Total noninterest expense | $1,929,000 | 2,413 |
| Salaries and employee benefits | $1,277,000 | 2,030 |
| Premises and equipment expense | $108,000 | 4,038 |
| Additional noninterest expense | $544,000 | 2,702 |
| Pre-tax net operating income | $1,514,000 | 1,238 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $550,000 | 871 |
| Income before extraordinary items | $964,000 | 1,545 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $964,000 | 1,548 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $964,000 | 1,548 |
| Net charge-offs | $4,000 | 3,176 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $964,000 | 1,520 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $15,271,000 | 1,632 |
| Total interest expense | $2,584,000 | 1,304 |
| Net interest income | $12,687,000 | 1,694 |
| Provision for loan and lease losses | $314,000 | 2,390 |
| Total noninterest income | $560,000 | 4,240 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $199,000 | 4,105 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $361,000 | 3,825 |
| Total noninterest expense | $7,925,000 | 2,361 |
| Salaries and employee benefits | $5,174,000 | 1,972 |
| Premises and equipment expense | $450,000 | 3,967 |
| Additional noninterest expense | $2,301,000 | 2,663 |
| Pre-tax net operating income | $5,008,000 | 1,427 |
| Securities gains (losses) | $-79,000 | 6,517 |
| Applicable income taxes | $1,777,000 | 988 |
| Income before extraordinary items | $3,152,000 | 1,824 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,152,000 | 1,826 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,152,000 | 1,826 |
| Net charge-offs | $12,000 | 5,040 |
| Cash dividends | $300,000 | 3,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $3,202,560 | 1,776 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $11,379,000 | 1,656 |
| Total interest expense | $1,932,000 | 1,355 |
| Net interest income | $9,447,000 | 1,707 |
| Provision for loan and lease losses | $157,000 | 2,885 |
| Total noninterest income | $718,000 | 3,331 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $141,000 | 4,235 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $577,000 | 2,800 |
| Total noninterest expense | $6,000,000 | 2,348 |
| Salaries and employee benefits | $3,876,000 | 1,979 |
| Premises and equipment expense | $350,000 | 3,934 |
| Additional noninterest expense | $1,774,000 | 2,584 |
| Pre-tax net operating income | $4,008,000 | 1,379 |
| Securities gains (losses) | $11,000 | 2,471 |
| Applicable income taxes | $1,454,000 | 954 |
| Income before extraordinary items | $2,565,000 | 1,732 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,565,000 | 1,733 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,565,000 | 1,736 |
| Net charge-offs | $-9,000 | 6,104 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,557,960 | 1,694 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $7,525,000 | 1,667 |
| Total interest expense | $1,282,000 | 1,396 |
| Net interest income | $6,243,000 | 1,710 |
| Provision for loan and lease losses | $157,000 | 2,389 |
| Total noninterest income | $604,000 | 2,986 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $92,000 | 4,265 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $512,000 | 2,443 |
| Total noninterest expense | $4,068,000 | 2,320 |
| Salaries and employee benefits | $2,631,000 | 1,956 |
| Premises and equipment expense | $229,000 | 3,986 |
| Additional noninterest expense | $1,208,000 | 2,526 |
| Pre-tax net operating income | $2,622,000 | 1,384 |
| Securities gains (losses) | $11,000 | 2,258 |
| Applicable income taxes | $952,000 | 978 |
| Income before extraordinary items | $1,681,000 | 1,750 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,681,000 | 1,755 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,681,000 | 1,756 |
| Net charge-offs | $31,000 | 3,734 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,673,960 | 1,692 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,732,000 | 1,687 |
| Total interest expense | $627,000 | 1,477 |
| Net interest income | $3,105,000 | 1,732 |
| Provision for loan and lease losses | $157,000 | 1,570 |
| Total noninterest income | $353,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $45,000 | 4,283 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $308,000 | 2,192 |
| Total noninterest expense | $2,056,000 | 2,311 |
| Salaries and employee benefits | $1,315,000 | 1,976 |
| Premises and equipment expense | $110,000 | 4,105 |
| Additional noninterest expense | $631,000 | 2,430 |
| Pre-tax net operating income | $1,245,000 | 1,425 |
| Securities gains (losses) | $11,000 | 1,452 |
| Applicable income taxes | $453,000 | 993 |
| Income before extraordinary items | $803,000 | 1,763 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $803,000 | 1,765 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $803,000 | 1,765 |
| Net charge-offs | $101,000 | 1,882 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $795,960 | 1,719 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $14,936,000 | 1,773 |
| Total interest expense | $2,697,000 | 1,644 |
| Net interest income | $12,239,000 | 1,794 |
| Provision for loan and lease losses | $750,000 | 2,165 |
| Total noninterest income | $159,000 | 5,915 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $172,000 | 4,533 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-13,000 | 6,609 |
| Total noninterest expense | $8,032,000 | 2,348 |
| Salaries and employee benefits | $4,800,000 | 2,083 |
| Premises and equipment expense | $502,000 | 3,816 |
| Additional noninterest expense | $2,730,000 | 2,379 |
| Pre-tax net operating income | $3,616,000 | 1,772 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $1,281,000 | 1,232 |
| Income before extraordinary items | $2,335,000 | 2,304 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,335,000 | 2,305 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $2,335,000 | 2,306 |
| Net charge-offs | $740,000 | 2,155 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,335,000 | 2,184 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $11,227,000 | 1,793 |
| Total interest expense | $2,038,000 | 1,695 |
| Net interest income | $9,189,000 | 1,814 |
| Provision for loan and lease losses | $750,000 | 1,780 |
| Total noninterest income | $146,000 | 5,800 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $130,000 | 4,578 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $16,000 | 6,387 |
| Total noninterest expense | $6,011,000 | 2,357 |
| Salaries and employee benefits | $3,533,000 | 2,119 |
| Premises and equipment expense | $378,000 | 3,838 |
| Additional noninterest expense | $2,100,000 | 2,309 |
| Pre-tax net operating income | $2,574,000 | 1,928 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $909,000 | 1,327 |
| Income before extraordinary items | $1,665,000 | 2,465 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,665,000 | 2,466 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,665,000 | 2,466 |
| Net charge-offs | $729,000 | 1,776 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,665,000 | 2,333 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,535,000 | 1,792 |
| Total interest expense | $1,375,000 | 1,732 |
| Net interest income | $6,160,000 | 1,807 |
| Provision for loan and lease losses | $664,000 | 1,465 |
| Total noninterest income | $71,000 | 6,124 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $89,000 | 4,537 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-18,000 | 6,871 |
| Total noninterest expense | $3,789,000 | 2,494 |
| Salaries and employee benefits | $2,221,000 | 2,240 |
| Premises and equipment expense | $249,000 | 3,876 |
| Additional noninterest expense | $1,319,000 | 2,460 |
| Pre-tax net operating income | $1,778,000 | 1,844 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $629,000 | 1,278 |
| Income before extraordinary items | $1,149,000 | 2,350 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,149,000 | 2,350 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,149,000 | 2,350 |
| Net charge-offs | $664,000 | 1,505 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,149,000 | 2,214 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,864,000 | 1,768 |
| Total interest expense | $700,000 | 1,758 |
| Net interest income | $3,164,000 | 1,767 |
| Provision for loan and lease losses | $225,000 | 1,839 |
| Total noninterest income | $119,000 | 4,647 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $48,000 | 4,361 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $71,000 | 4,189 |
| Total noninterest expense | $1,834,000 | 2,561 |
| Salaries and employee benefits | $1,095,000 | 2,270 |
| Premises and equipment expense | $125,000 | 3,884 |
| Additional noninterest expense | $614,000 | 2,602 |
| Pre-tax net operating income | $1,224,000 | 1,420 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $441,000 | 989 |
| Income before extraordinary items | $783,000 | 1,833 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $783,000 | 1,834 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $783,000 | 1,834 |
| Net charge-offs | $121,000 | 2,296 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $783,000 | 1,732 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,780,000 | 1,904 |
| Total interest expense | $3,858,000 | 1,578 |
| Net interest income | $10,922,000 | 1,997 |
| Provision for loan and lease losses | $2,275,000 | 1,432 |
| Total noninterest income | $807,000 | 3,504 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $189,000 | 4,485 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $618,000 | 2,817 |
| Total noninterest expense | $7,746,000 | 2,438 |
| Salaries and employee benefits | $4,203,000 | 2,295 |
| Premises and equipment expense | $583,000 | 3,651 |
| Additional noninterest expense | $2,960,000 | 2,228 |
| Pre-tax net operating income | $1,708,000 | 2,801 |
| Securities gains (losses) | $27,000 | 2,953 |
| Applicable income taxes | $571,000 | 1,909 |
| Income before extraordinary items | $1,164,000 | 3,254 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,164,000 | 3,257 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,164,000 | 3,257 |
| Net charge-offs | $2,210,000 | 1,463 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,145,910 | 3,188 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,222,000 | 1,905 |
| Total interest expense | $2,890,000 | 1,632 |
| Net interest income | $8,332,000 | 1,971 |
| Provision for loan and lease losses | $1,709,000 | 1,381 |
| Total noninterest income | $400,000 | 4,331 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $140,000 | 4,522 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $260,000 | 3,681 |
| Total noninterest expense | $5,817,000 | 2,448 |
| Salaries and employee benefits | $3,266,000 | 2,220 |
| Premises and equipment expense | $458,000 | 3,571 |
| Additional noninterest expense | $2,093,000 | 2,362 |
| Pre-tax net operating income | $1,206,000 | 2,993 |
| Securities gains (losses) | $27,000 | 2,687 |
| Applicable income taxes | $402,000 | 1,938 |
| Income before extraordinary items | $831,000 | 3,445 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $831,000 | 3,447 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $831,000 | 3,447 |
| Net charge-offs | $1,461,000 | 1,523 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $812,910 | 3,368 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,495,000 | 1,913 |
| Total interest expense | $1,934,000 | 1,683 |
| Net interest income | $5,561,000 | 1,972 |
| Provision for loan and lease losses | $458,000 | 2,419 |
| Total noninterest income | $185,000 | 4,985 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $96,000 | 4,453 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $89,000 | 4,726 |
| Total noninterest expense | $3,818,000 | 2,487 |
| Salaries and employee benefits | $2,112,000 | 2,296 |
| Premises and equipment expense | $293,000 | 3,706 |
| Additional noninterest expense | $1,413,000 | 2,376 |
| Pre-tax net operating income | $1,470,000 | 1,915 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $513,000 | 1,296 |
| Income before extraordinary items | $957,000 | 2,361 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $957,000 | 2,361 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $957,000 | 2,361 |
| Net charge-offs | $288,000 | 2,727 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $957,000 | 2,271 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 1,918 |
| Total interest expense | $978,000 | 1,724 |
| Net interest income | $2,780,000 | 1,973 |
| Provision for loan and lease losses | $47,000 | 4,237 |
| Total noninterest income | $11,000 | 7,083 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $48,000 | 4,430 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-37,000 | 7,270 |
| Total noninterest expense | $1,762,000 | 2,691 |
| Salaries and employee benefits | $958,000 | 2,526 |
| Premises and equipment expense | $153,000 | 3,646 |
| Additional noninterest expense | $651,000 | 2,548 |
| Pre-tax net operating income | $982,000 | 1,463 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $350,000 | 983 |
| Income before extraordinary items | $632,000 | 1,829 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $632,000 | 1,828 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $632,000 | 1,829 |
| Net charge-offs | $36,000 | 3,608 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $632,000 | 1,779 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,826,000 | 1,913 |
| Total interest expense | $5,529,000 | 1,506 |
| Net interest income | $10,297,000 | 2,121 |
| Provision for loan and lease losses | $1,690,000 | 2,300 |
| Total noninterest income | $-545,000 | 7,496 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $217,000 | 4,267 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-762,000 | 7,456 |
| Total noninterest expense | $6,943,000 | 2,742 |
| Salaries and employee benefits | $3,704,000 | 2,596 |
| Premises and equipment expense | $672,000 | 3,405 |
| Additional noninterest expense | $2,567,000 | 2,619 |
| Pre-tax net operating income | $1,119,000 | 3,194 |
| Securities gains (losses) | $-16,000 | 7,066 |
| Applicable income taxes | $332,000 | 2,269 |
| Income before extraordinary items | $771,000 | 3,673 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $771,000 | 3,671 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $771,000 | 3,673 |
| Net charge-offs | $2,176,000 | 1,771 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $782,200 | 3,517 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,792,000 | 1,967 |
| Total interest expense | $4,118,000 | 1,574 |
| Net interest income | $7,674,000 | 2,158 |
| Provision for loan and lease losses | $1,578,000 | 1,914 |
| Total noninterest income | $91,000 | 6,638 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $171,000 | 4,246 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-80,000 | 7,372 |
| Total noninterest expense | $5,046,000 | 2,819 |
| Salaries and employee benefits | $2,715,000 | 2,648 |
| Premises and equipment expense | $513,000 | 3,416 |
| Additional noninterest expense | $1,818,000 | 2,704 |
| Pre-tax net operating income | $1,141,000 | 2,862 |
| Securities gains (losses) | $-16,000 | 7,244 |
| Applicable income taxes | $362,000 | 1,970 |
| Income before extraordinary items | $763,000 | 3,356 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $763,000 | 3,354 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $763,000 | 3,356 |
| Net charge-offs | $1,792,000 | 1,612 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $773,880 | 3,202 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,887,000 | 1,977 |
| Total interest expense | $2,733,000 | 1,654 |
| Net interest income | $5,154,000 | 2,142 |
| Provision for loan and lease losses | $511,000 | 2,816 |
| Total noninterest income | $-92,000 | 7,631 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $123,000 | 4,090 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-215,000 | 7,609 |
| Total noninterest expense | $3,396,000 | 2,792 |
| Salaries and employee benefits | $1,965,000 | 2,476 |
| Premises and equipment expense | $342,000 | 3,447 |
| Additional noninterest expense | $1,089,000 | 2,977 |
| Pre-tax net operating income | $1,155,000 | 2,112 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $394,000 | 1,459 |
| Income before extraordinary items | $761,000 | 2,593 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $761,000 | 2,590 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $761,000 | 2,592 |
| Net charge-offs | $552,000 | 2,332 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $761,000 | 2,486 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,972,000 | 2,014 |
| Total interest expense | $1,359,000 | 1,741 |
| Net interest income | $2,613,000 | 2,138 |
| Provision for loan and lease losses | $138,000 | 3,565 |
| Total noninterest income | $-108,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $65,000 | 3,983 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-173,000 | 7,793 |
| Total noninterest expense | $1,703,000 | 2,827 |
| Salaries and employee benefits | $971,000 | 2,537 |
| Premises and equipment expense | $183,000 | 3,357 |
| Additional noninterest expense | $549,000 | 2,931 |
| Pre-tax net operating income | $664,000 | 1,920 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $230,000 | 1,293 |
| Income before extraordinary items | $434,000 | 2,411 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $434,000 | 2,410 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $434,000 | 2,411 |
| Net charge-offs | $47,000 | 3,765 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $434,000 | 2,324 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,886,000 | 2,127 |
| Total interest expense | $6,155,000 | 1,886 |
| Net interest income | $9,731,000 | 2,242 |
| Provision for loan and lease losses | $2,563,000 | 2,146 |
| Total noninterest income | $393,000 | 5,156 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $265,000 | 4,118 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $128,000 | 5,326 |
| Total noninterest expense | $6,956,000 | 2,809 |
| Salaries and employee benefits | $3,915,000 | 2,499 |
| Premises and equipment expense | $864,000 | 2,923 |
| Additional noninterest expense | $2,177,000 | 3,115 |
| Pre-tax net operating income | $605,000 | 3,759 |
| Securities gains (losses) | $-148,000 | 7,361 |
| Applicable income taxes | $88,000 | 2,939 |
| Income before extraordinary items | $369,000 | 4,256 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $369,000 | 4,256 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $369,000 | 4,256 |
| Net charge-offs | $2,213,000 | 1,916 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $488,880 | 3,837 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,848,000 | 2,177 |
| Total interest expense | $4,639,000 | 1,949 |
| Net interest income | $7,209,000 | 2,278 |
| Provision for loan and lease losses | $1,682,000 | 2,097 |
| Total noninterest income | $166,000 | 6,194 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $206,000 | 4,075 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-40,000 | 7,743 |
| Total noninterest expense | $5,406,000 | 2,732 |
| Salaries and employee benefits | $3,130,000 | 2,380 |
| Premises and equipment expense | $653,000 | 2,934 |
| Additional noninterest expense | $1,623,000 | 3,090 |
| Pre-tax net operating income | $287,000 | 4,576 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $46,000 | 3,371 |
| Income before extraordinary items | $241,000 | 4,669 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $241,000 | 4,667 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $241,000 | 4,670 |
| Net charge-offs | $1,017,000 | 2,186 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $241,000 | 4,606 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,639,000 | 2,252 |
| Total interest expense | $3,063,000 | 2,056 |
| Net interest income | $4,576,000 | 2,375 |
| Provision for loan and lease losses | $1,161,000 | 1,899 |
| Total noninterest income | $780,000 | 2,561 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $134,000 | 4,095 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $646,000 | 1,893 |
| Total noninterest expense | $3,746,000 | 2,663 |
| Salaries and employee benefits | $2,207,000 | 2,290 |
| Premises and equipment expense | $440,000 | 2,952 |
| Additional noninterest expense | $1,099,000 | 3,056 |
| Pre-tax net operating income | $449,000 | 3,479 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $127,000 | 2,432 |
| Income before extraordinary items | $322,000 | 3,851 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $322,000 | 3,850 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $322,000 | 3,850 |
| Net charge-offs | $817,000 | 1,815 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $322,000 | 3,733 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,863,000 | 2,269 |
| Total interest expense | $1,517,000 | 2,147 |
| Net interest income | $2,346,000 | 2,321 |
| Provision for loan and lease losses | $272,000 | 2,469 |
| Total noninterest income | $525,000 | 2,060 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $65,000 | 4,118 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $460,000 | 1,465 |
| Total noninterest expense | $1,652,000 | 2,889 |
| Salaries and employee benefits | $957,000 | 2,646 |
| Premises and equipment expense | $224,000 | 2,955 |
| Additional noninterest expense | $471,000 | 3,164 |
| Pre-tax net operating income | $947,000 | 1,362 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $332,000 | 969 |
| Income before extraordinary items | $615,000 | 1,755 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $615,000 | 1,756 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $615,000 | 1,757 |
| Net charge-offs | $227,000 | 2,041 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $615,000 | 1,665 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,135,000 | 2,436 |
| Total interest expense | $6,124,000 | 2,470 |
| Net interest income | $9,011,000 | 2,419 |
| Provision for loan and lease losses | $2,327,000 | 1,634 |
| Total noninterest income | $1,002,000 | 3,400 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $285,000 | 4,112 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $717,000 | 2,617 |
| Total noninterest expense | $5,720,000 | 3,215 |
| Salaries and employee benefits | $3,399,000 | 2,908 |
| Premises and equipment expense | $679,000 | 3,585 |
| Additional noninterest expense | $1,642,000 | 3,393 |
| Pre-tax net operating income | $1,966,000 | 2,484 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $659,000 | 1,579 |
| Income before extraordinary items | $1,307,000 | 2,762 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,307,000 | 2,761 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $654,000 | 2,446 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,307,000 | 2,899 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,326,000 | 2,499 |
| Total interest expense | $4,573,000 | 2,579 |
| Net interest income | $6,753,000 | 2,445 |
| Provision for loan and lease losses | $756,000 | 2,162 |
| Total noninterest income | $844,000 | 3,230 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $220,000 | 4,080 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $624,000 | 2,475 |
| Total noninterest expense | $4,315,000 | 3,174 |
| Salaries and employee benefits | $2,613,000 | 2,860 |
| Premises and equipment expense | $515,000 | 3,572 |
| Additional noninterest expense | $1,187,000 | 3,417 |
| Pre-tax net operating income | $2,526,000 | 1,911 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $893,000 | 1,263 |
| Income before extraordinary items | $1,633,000 | 2,158 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,633,000 | 2,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $450,000 | 2,074 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,633,000 | 2,264 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,529,000 | 2,536 |
| Total interest expense | $3,026,000 | 2,690 |
| Net interest income | $4,503,000 | 2,421 |
| Provision for loan and lease losses | $541,000 | 1,831 |
| Total noninterest income | $569,000 | 3,239 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $144,000 | 4,121 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $425,000 | 2,485 |
| Total noninterest expense | $2,872,000 | 3,193 |
| Salaries and employee benefits | $1,754,000 | 2,877 |
| Premises and equipment expense | $358,000 | 3,499 |
| Additional noninterest expense | $760,000 | 3,487 |
| Pre-tax net operating income | $1,659,000 | 2,008 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $586,000 | 1,419 |
| Income before extraordinary items | $1,073,000 | 2,427 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,073,000 | 2,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 1,638 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,073,000 | 2,377 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,859,000 | 2,546 |
| Total interest expense | $1,593,000 | 2,730 |
| Net interest income | $2,266,000 | 2,418 |
| Provision for loan and lease losses | $379,000 | 1,190 |
| Total noninterest income | $302,000 | 3,123 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $78,000 | 3,924 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $224,000 | 2,407 |
| Total noninterest expense | $1,464,000 | 3,133 |
| Salaries and employee benefits | $890,000 | 2,864 |
| Premises and equipment expense | $173,000 | 3,598 |
| Additional noninterest expense | $401,000 | 3,305 |
| Pre-tax net operating income | $725,000 | 2,347 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $255,000 | 1,663 |
| Income before extraordinary items | $470,000 | 2,838 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $470,000 | 2,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,099 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $470,000 | 2,759 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,985,000 | 2,682 |
| Total interest expense | $6,957,000 | 2,648 |
| Net interest income | $8,028,000 | 2,720 |
| Provision for loan and lease losses | $354,000 | 2,900 |
| Total noninterest income | $1,702,000 | 2,487 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $395,000 | 3,542 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,307,000 | 1,853 |
| Total noninterest expense | $6,069,000 | 2,942 |
| Salaries and employee benefits | $4,044,000 | 2,479 |
| Premises and equipment expense | $634,000 | 3,695 |
| Additional noninterest expense | $1,391,000 | 3,636 |
| Pre-tax net operating income | $3,307,000 | 2,302 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,073,000 | 1,774 |
| Income before extraordinary items | $2,234,000 | 2,598 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,234,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 2,514 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $249,000 | 690 |
| Net operating income | $2,234,000 | 2,592 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,052,000 | 2,722 |
| Total interest expense | $5,147,000 | 2,674 |
| Net interest income | $5,905,000 | 2,771 |
| Provision for loan and lease losses | $210,000 | 2,918 |
| Total noninterest income | $1,404,000 | 2,326 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $294,000 | 3,551 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,110,000 | 1,684 |
| Total noninterest expense | $4,630,000 | 2,869 |
| Salaries and employee benefits | $3,231,000 | 2,332 |
| Premises and equipment expense | $470,000 | 3,717 |
| Additional noninterest expense | $929,000 | 3,923 |
| Pre-tax net operating income | $2,469,000 | 2,463 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $809,000 | 1,900 |
| Income before extraordinary items | $1,660,000 | 2,764 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,660,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,646 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $249,000 | 545 |
| Net operating income | $1,660,000 | 2,749 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,095,000 | 2,836 |
| Total interest expense | $3,268,000 | 2,787 |
| Net interest income | $3,827,000 | 2,870 |
| Provision for loan and lease losses | $95,000 | 3,362 |
| Total noninterest income | $627,000 | 3,061 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $198,000 | 3,540 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $429,000 | 2,476 |
| Total noninterest expense | $3,040,000 | 2,944 |
| Salaries and employee benefits | $2,136,000 | 2,388 |
| Premises and equipment expense | $312,000 | 3,745 |
| Additional noninterest expense | $592,000 | 4,055 |
| Pre-tax net operating income | $1,319,000 | 2,923 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $427,000 | 2,293 |
| Income before extraordinary items | $892,000 | 3,268 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $892,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,491 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $249,000 | 413 |
| Net operating income | $892,000 | 3,249 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,526,000 | 2,847 |
| Total interest expense | $1,624,000 | 2,781 |
| Net interest income | $1,902,000 | 2,880 |
| Provision for loan and lease losses | $54,000 | 3,005 |
| Total noninterest income | $343,000 | 2,850 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $85,000 | 3,779 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $258,000 | 2,176 |
| Total noninterest expense | $1,913,000 | 2,391 |
| Salaries and employee benefits | $1,456,000 | 1,779 |
| Premises and equipment expense | $154,000 | 3,807 |
| Additional noninterest expense | $303,000 | 3,941 |
| Pre-tax net operating income | $278,000 | 4,822 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $86,000 | 3,481 |
| Income before extraordinary items | $192,000 | 5,163 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $192,000 | 5,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 1,469 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $192,000 | 5,147 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,788,000 | 2,584 |
| Total interest expense | $6,576,000 | 2,400 |
| Net interest income | $8,212,000 | 2,693 |
| Provision for loan and lease losses | $450,000 | 2,064 |
| Total noninterest income | $1,587,000 | 2,607 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $367,000 | 3,717 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,220,000 | 1,939 |
| Total noninterest expense | $4,741,000 | 3,494 |
| Salaries and employee benefits | $2,861,000 | 3,266 |
| Premises and equipment expense | $609,000 | 3,726 |
| Additional noninterest expense | $1,271,000 | 3,767 |
| Pre-tax net operating income | $4,608,000 | 2,020 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,682,000 | 1,511 |
| Income before extraordinary items | $2,926,000 | 2,320 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,926,000 | 2,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $539,000 | 1,109 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 967 |
| Net operating income | $2,926,000 | 2,298 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,194,000 | 2,555 |
| Total interest expense | $4,950,000 | 2,335 |
| Net interest income | $6,244,000 | 2,702 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $1,289,000 | 2,479 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $287,000 | 3,656 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,002,000 | 1,823 |
| Total noninterest expense | $3,573,000 | 3,472 |
| Salaries and employee benefits | $2,192,000 | 3,202 |
| Premises and equipment expense | $463,000 | 3,687 |
| Additional noninterest expense | $918,000 | 3,863 |
| Pre-tax net operating income | $3,510,000 | 2,061 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,286,000 | 1,563 |
| Income before extraordinary items | $2,224,000 | 2,378 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,224,000 | 2,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 891 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,224,000 | 2,369 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,315,000 | 2,565 |
| Total interest expense | $3,178,000 | 2,311 |
| Net interest income | $4,137,000 | 2,716 |
| Provision for loan and lease losses | $450,000 | 1,060 |
| Total noninterest income | $782,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $198,000 | 3,571 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $584,000 | 2,002 |
| Total noninterest expense | $2,360,000 | 3,502 |
| Salaries and employee benefits | $1,441,000 | 3,252 |
| Premises and equipment expense | $306,000 | 3,714 |
| Additional noninterest expense | $613,000 | 3,844 |
| Pre-tax net operating income | $2,109,000 | 2,220 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $799,000 | 1,661 |
| Income before extraordinary items | $1,310,000 | 2,604 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,310,000 | 2,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 833 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,310,000 | 2,587 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 2,567 |
| Total interest expense | $1,528,000 | 2,298 |
| Net interest income | $2,063,000 | 2,712 |
| Provision for loan and lease losses | $78,000 | 2,364 |
| Total noninterest income | $461,000 | 2,318 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $106,000 | 3,341 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $355,000 | 1,706 |
| Total noninterest expense | $1,204,000 | 3,461 |
| Salaries and employee benefits | $766,000 | 3,083 |
| Premises and equipment expense | $145,000 | 3,885 |
| Additional noninterest expense | $293,000 | 3,968 |
| Pre-tax net operating income | $1,242,000 | 1,913 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $470,000 | 1,467 |
| Income before extraordinary items | $772,000 | 2,265 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $772,000 | 2,266 |
| 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 | $772,000 | 2,242 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,276,000 | 2,853 |
| Total interest expense | $4,501,000 | 2,412 |
| Net interest income | $6,775,000 | 3,122 |
| Provision for loan and lease losses | $428,000 | 2,154 |
| Total noninterest income | $1,144,000 | 3,242 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $286,000 | 4,298 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $858,000 | 2,436 |
| Total noninterest expense | $4,033,000 | 3,841 |
| Salaries and employee benefits | $2,573,000 | 3,400 |
| Premises and equipment expense | $507,000 | 4,135 |
| Additional noninterest expense | $953,000 | 4,578 |
| Pre-tax net operating income | $3,458,000 | 2,481 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,312,000 | 1,876 |
| Income before extraordinary items | $2,146,000 | 2,915 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,146,000 | 2,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,385 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 713 |
| Net operating income | $2,146,000 | 2,884 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,987,000 | 2,939 |
| Total interest expense | $3,124,000 | 2,460 |
| Net interest income | $4,863,000 | 3,212 |
| Provision for loan and lease losses | $341,000 | 1,987 |
| Total noninterest income | $861,000 | 3,247 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $191,000 | 4,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $670,000 | 2,383 |
| Total noninterest expense | $3,015,000 | 3,822 |
| Salaries and employee benefits | $1,922,000 | 3,398 |
| Premises and equipment expense | $367,000 | 4,232 |
| Additional noninterest expense | $726,000 | 4,513 |
| Pre-tax net operating income | $2,368,000 | 2,684 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $901,000 | 2,035 |
| Income before extraordinary items | $1,467,000 | 3,186 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,467,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,660 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 557 |
| Net operating income | $1,467,000 | 3,148 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,023,000 | 3,020 |
| Total interest expense | $1,911,000 | 2,507 |
| Net interest income | $3,112,000 | 3,305 |
| Provision for loan and lease losses | $212,000 | 2,047 |
| Total noninterest income | $607,000 | 3,068 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $128,000 | 4,513 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $479,000 | 2,256 |
| Total noninterest expense | $1,935,000 | 3,911 |
| Salaries and employee benefits | $1,257,000 | 3,424 |
| Premises and equipment expense | $223,000 | 4,459 |
| Additional noninterest expense | $455,000 | 4,691 |
| Pre-tax net operating income | $1,572,000 | 2,658 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $598,000 | 2,010 |
| Income before extraordinary items | $974,000 | 3,155 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $974,000 | 3,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 2,851 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 430 |
| Net operating income | $974,000 | 3,108 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,419,000 | 3,075 |
| Total interest expense | $898,000 | 2,542 |
| Net interest income | $1,521,000 | 3,371 |
| Provision for loan and lease losses | $107,000 | 1,919 |
| Total noninterest income | $309,000 | 3,001 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $65,000 | 4,425 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $244,000 | 2,195 |
| Total noninterest expense | $916,000 | 4,108 |
| Salaries and employee benefits | $594,000 | 3,596 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $216,000 | 4,823 |
| Pre-tax net operating income | $807,000 | 2,552 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $309,000 | 1,936 |
| Income before extraordinary items | $498,000 | 3,056 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $498,000 | 3,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 260 |
| Net operating income | $498,000 | 3,013 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,068,000 | 3,396 |
| Total interest expense | $2,807,000 | 2,766 |
| Net interest income | $5,261,000 | 3,661 |
| Provision for loan and lease losses | $340,000 | 2,675 |
| Total noninterest income | $881,000 | 3,824 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $212,000 | 5,105 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $669,000 | 2,785 |
| Total noninterest expense | $3,304,000 | 4,362 |
| Salaries and employee benefits | $2,120,000 | 3,803 |
| Premises and equipment expense | $398,000 | 4,779 |
| Additional noninterest expense | $786,000 | 5,152 |
| Pre-tax net operating income | $2,498,000 | 3,014 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $944,000 | 2,258 |
| Income before extraordinary items | $1,554,000 | 3,546 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,554,000 | 3,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,405 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,554,000 | 3,479 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,853,000 | 3,458 |
| Total interest expense | $1,985,000 | 2,858 |
| Net interest income | $3,868,000 | 3,696 |
| Provision for loan and lease losses | $317,000 | 2,163 |
| Total noninterest income | $605,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $154,000 | 5,204 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $451,000 | 2,981 |
| Total noninterest expense | $2,441,000 | 4,386 |
| Salaries and employee benefits | $1,558,000 | 3,845 |
| Premises and equipment expense | $295,000 | 4,803 |
| Additional noninterest expense | $588,000 | 5,105 |
| Pre-tax net operating income | $1,715,000 | 3,271 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $647,000 | 2,442 |
| Income before extraordinary items | $1,068,000 | 3,852 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,068,000 | 3,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,068,000 | 3,773 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,758,000 | 3,551 |
| Total interest expense | $1,235,000 | 3,008 |
| Net interest income | $2,523,000 | 3,751 |
| Provision for loan and lease losses | $281,000 | 1,670 |
| Total noninterest income | $369,000 | 4,296 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $101,000 | 5,244 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $268,000 | 3,186 |
| Total noninterest expense | $1,567,000 | 4,520 |
| Salaries and employee benefits | $1,001,000 | 3,972 |
| Premises and equipment expense | $192,000 | 4,896 |
| Additional noninterest expense | $374,000 | 5,289 |
| Pre-tax net operating income | $1,044,000 | 3,433 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $392,000 | 2,602 |
| Income before extraordinary items | $652,000 | 4,013 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $652,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $652,000 | 3,931 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 3,725 |
| Total interest expense | $595,000 | 3,139 |
| Net interest income | $1,189,000 | 3,924 |
| Provision for loan and lease losses | $94,000 | 2,217 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $51,000 | 5,172 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $136,000 | 3,110 |
| Total noninterest expense | $770,000 | 4,598 |
| Salaries and employee benefits | $505,000 | 3,975 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $170,000 | 5,605 |
| Pre-tax net operating income | $512,000 | 3,454 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $189,000 | 2,673 |
| Income before extraordinary items | $323,000 | 4,077 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $323,000 | 4,076 |
| 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 | $323,000 | 3,934 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,784,000 | 4,407 |
| Total interest expense | $2,179,000 | 3,744 |
| Net interest income | $3,605,000 | 4,695 |
| Provision for loan and lease losses | $443,000 | 2,396 |
| Total noninterest income | $911,000 | 3,917 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $112,000 | 6,376 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $799,000 | 2,742 |
| Total noninterest expense | $2,940,000 | 4,665 |
| Salaries and employee benefits | $1,955,000 | 3,998 |
| Premises and equipment expense | $352,000 | 5,142 |
| Additional noninterest expense | $633,000 | 5,812 |
| Pre-tax net operating income | $1,133,000 | 4,821 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $424,000 | 3,666 |
| Income before extraordinary items | $709,000 | 5,552 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $709,000 | 5,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,397 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,960,000 | 285 |
| Net operating income | $709,000 | 5,388 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,164,000 | 4,592 |
| Total interest expense | $1,592,000 | 3,957 |
| Net interest income | $2,572,000 | 4,872 |
| Provision for loan and lease losses | $373,000 | 2,138 |
| Total noninterest income | $742,000 | 3,805 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $74,000 | 6,631 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $668,000 | 2,652 |
| Total noninterest expense | $2,185,000 | 4,684 |
| Salaries and employee benefits | $1,463,000 | 4,003 |
| Premises and equipment expense | $259,000 | 5,208 |
| Additional noninterest expense | $463,000 | 5,880 |
| Pre-tax net operating income | $756,000 | 5,306 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $260,000 | 4,200 |
| Income before extraordinary items | $496,000 | 5,882 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $496,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,960,000 | 194 |
| Net operating income | $496,000 | 5,704 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,584,000 | 4,877 |
| Total interest expense | $1,014,000 | 4,205 |
| Net interest income | $1,570,000 | 5,189 |
| Provision for loan and lease losses | $173,000 | 2,798 |
| Total noninterest income | $476,000 | 3,849 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $47,000 | 6,687 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $429,000 | 2,676 |
| Total noninterest expense | $1,404,000 | 4,801 |
| Salaries and employee benefits | $936,000 | 4,128 |
| Premises and equipment expense | $167,000 | 5,295 |
| Additional noninterest expense | $301,000 | 5,968 |
| Pre-tax net operating income | $469,000 | 5,471 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $161,000 | 4,384 |
| Income before extraordinary items | $308,000 | 6,043 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $308,000 | 6,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,890,000 | 121 |
| Net operating income | $308,000 | 5,844 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,240,000 | 5,043 |
| Total interest expense | $495,000 | 4,366 |
| Net interest income | $745,000 | 5,339 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $236,000 | 3,767 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $21,000 | 6,829 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $215,000 | 2,596 |
| Total noninterest expense | $674,000 | 4,926 |
| Salaries and employee benefits | $451,000 | 4,238 |
| Premises and equipment expense | $78,000 | 5,518 |
| Additional noninterest expense | $145,000 | 6,052 |
| Pre-tax net operating income | $217,000 | 5,646 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $75,000 | 4,475 |
| Income before extraordinary items | $142,000 | 6,143 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $142,000 | 6,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $142,000 | 5,961 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 6,042 |
| Total interest expense | $1,470,000 | 5,791 |
| Net interest income | $2,370,000 | 6,084 |
| Provision for loan and lease losses | $518,000 | 2,329 |
| Total noninterest income | $618,000 | 4,653 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $75,000 | 7,046 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $543,000 | 3,136 |
| Total noninterest expense | $2,108,000 | 5,694 |
| Salaries and employee benefits | $1,317,000 | 5,162 |
| Premises and equipment expense | $271,000 | 5,879 |
| Additional noninterest expense | $520,000 | 6,391 |
| Pre-tax net operating income | $362,000 | 7,315 |
| Securities gains (losses) | $16,000 | 3,321 |
| Applicable income taxes | $16,000 | 7,144 |
| Income before extraordinary items | $362,000 | 7,021 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $362,000 | 7,022 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $346,640 | 6,977 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,849,000 | 7,405 |
| Total interest expense | $1,353,000 | 7,293 |
| Net interest income | $1,496,000 | 7,340 |
| Provision for loan and lease losses | $214,000 | 3,981 |
| Total noninterest income | $456,000 | 5,323 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $60,000 | 7,394 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $396,000 | 3,552 |
| Total noninterest expense | $1,512,000 | 6,771 |
| Salaries and employee benefits | $874,000 | 6,475 |
| Premises and equipment expense | $243,000 | 6,170 |
| Additional noninterest expense | $395,000 | 7,182 |
| Pre-tax net operating income | $226,000 | 7,760 |
| Securities gains (losses) | $29,000 | 2,852 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $255,000 | 7,403 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $255,000 | 7,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $226,000 | 7,440 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,089,000 | 9,332 |
| Total interest expense | $349,000 | 9,491 |
| Net interest income | $740,000 | 9,022 |
| Provision for loan and lease losses | $218,000 | 3,553 |
| Total noninterest income | $118,000 | 8,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $16,000 | 8,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,386 |
| Total noninterest expense | $1,217,000 | 7,452 |
| Salaries and employee benefits | $454,000 | 8,474 |
| Premises and equipment expense | $134,000 | 7,850 |
| Additional noninterest expense | $629,000 | 5,599 |
| Pre-tax net operating income | $-577,000 | 9,577 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-577,000 | 9,609 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-577,000 | 9,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $7,312,000 | 118 |
| Net operating income | $-577,000 | 9,608 |
* 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.