Home > The Peoples State Bank > Income and Expense
The Peoples State Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $14,253,000 | 1,430 |
| Total interest expense | $2,238,000 | 1,551 |
| Net interest income | $12,015,000 | 1,377 |
| Provision for loan and lease losses | $154,000 | 3,850 |
| Total noninterest income | $2,579,000 | 1,475 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,433,000 | 753 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,146,000 | 1,821 |
| Total noninterest expense | $10,628,000 | 1,398 |
| Salaries and employee benefits | $5,408,000 | 1,408 |
| Premises and equipment expense | $1,558,000 | 1,141 |
| Additional noninterest expense | $3,662,000 | 1,390 |
| Pre-tax net operating income | $3,812,000 | 1,387 |
| Securities gains (losses) | $-194,000 | 7,067 |
| Applicable income taxes | $875,000 | 1,360 |
| Income before extraordinary items | $2,743,000 | 1,601 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,743,000 | 1,602 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,743,000 | 1,602 |
| Net charge-offs | $-103,000 | 7,040 |
| Cash dividends | $682,000 | 1,705 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 754 |
| Net operating income | $2,890,440 | 1,439 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $9,398,000 | 1,453 |
| Total interest expense | $1,575,000 | 1,537 |
| Net interest income | $7,823,000 | 1,417 |
| Provision for loan and lease losses | $135,000 | 3,493 |
| Total noninterest income | $1,700,000 | 1,478 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $923,000 | 767 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $777,000 | 1,782 |
| Total noninterest expense | $7,214,000 | 1,372 |
| Salaries and employee benefits | $3,700,000 | 1,394 |
| Premises and equipment expense | $1,028,000 | 1,151 |
| Additional noninterest expense | $2,486,000 | 1,367 |
| Pre-tax net operating income | $2,174,000 | 1,582 |
| Securities gains (losses) | $-194,000 | 7,148 |
| Applicable income taxes | $446,000 | 1,606 |
| Income before extraordinary items | $1,534,000 | 1,848 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,534,000 | 1,847 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,534,000 | 1,848 |
| Net charge-offs | $144,000 | 3,084 |
| Cash dividends | $258,000 | 2,299 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 725 |
| Net operating income | $1,683,380 | 1,631 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,675,000 | 1,475 |
| Total interest expense | $813,000 | 1,549 |
| Net interest income | $3,862,000 | 1,437 |
| Provision for loan and lease losses | $5,000 | 5,057 |
| Total noninterest income | $850,000 | 1,465 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $436,000 | 795 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $414,000 | 1,710 |
| Total noninterest expense | $3,504,000 | 1,398 |
| Salaries and employee benefits | $1,740,000 | 1,470 |
| Premises and equipment expense | $513,000 | 1,169 |
| Additional noninterest expense | $1,251,000 | 1,346 |
| Pre-tax net operating income | $1,203,000 | 1,442 |
| Securities gains (losses) | $-169,000 | 7,228 |
| Applicable income taxes | $243,000 | 1,518 |
| Income before extraordinary items | $791,000 | 1,819 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $791,000 | 1,820 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $791,000 | 1,820 |
| Net charge-offs | $183,000 | 1,931 |
| Cash dividends | $258,000 | 1,382 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 673 |
| Net operating income | $919,440 | 1,489 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $18,951,000 | 1,503 |
| Total interest expense | $3,830,000 | 1,586 |
| Net interest income | $15,121,000 | 1,463 |
| Provision for loan and lease losses | $729,000 | 2,878 |
| Total noninterest income | $3,379,000 | 1,373 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,985,000 | 738 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,394,000 | 1,724 |
| Total noninterest expense | $15,130,000 | 1,298 |
| Salaries and employee benefits | $7,849,000 | 1,255 |
| Premises and equipment expense | $2,070,000 | 1,207 |
| Additional noninterest expense | $5,211,000 | 1,329 |
| Pre-tax net operating income | $2,641,000 | 2,046 |
| Securities gains (losses) | $1,816,000 | 260 |
| Applicable income taxes | $1,167,000 | 1,210 |
| Income before extraordinary items | $3,290,000 | 1,491 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,290,000 | 1,491 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,290,000 | 1,491 |
| Net charge-offs | $143,000 | 4,643 |
| Cash dividends | $3,290,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 903 |
| Net operating income | $1,946,160 | 2,235 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $14,297,000 | 1,510 |
| Total interest expense | $2,989,000 | 1,583 |
| Net interest income | $11,308,000 | 1,478 |
| Provision for loan and lease losses | $38,000 | 5,732 |
| Total noninterest income | $2,583,000 | 1,361 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,481,000 | 741 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,102,000 | 1,647 |
| Total noninterest expense | $11,557,000 | 1,281 |
| Salaries and employee benefits | $5,850,000 | 1,271 |
| Premises and equipment expense | $1,560,000 | 1,221 |
| Additional noninterest expense | $4,147,000 | 1,249 |
| Pre-tax net operating income | $2,296,000 | 1,874 |
| Securities gains (losses) | $1,348,000 | 260 |
| Applicable income taxes | $971,000 | 1,112 |
| Income before extraordinary items | $2,673,000 | 1,422 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,673,000 | 1,422 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,673,000 | 1,422 |
| Net charge-offs | $121,000 | 4,243 |
| Cash dividends | $2,394,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 849 |
| Net operating income | $1,688,960 | 2,010 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $9,535,000 | 1,523 |
| Total interest expense | $2,061,000 | 1,588 |
| Net interest income | $7,474,000 | 1,489 |
| Provision for loan and lease losses | $21,000 | 5,690 |
| Total noninterest income | $1,735,000 | 1,346 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $954,000 | 766 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $781,000 | 1,590 |
| Total noninterest expense | $8,167,000 | 1,220 |
| Salaries and employee benefits | $4,178,000 | 1,199 |
| Premises and equipment expense | $1,057,000 | 1,215 |
| Additional noninterest expense | $2,932,000 | 1,210 |
| Pre-tax net operating income | $1,021,000 | 2,500 |
| Securities gains (losses) | $650,000 | 288 |
| Applicable income taxes | $555,000 | 1,235 |
| Income before extraordinary items | $1,116,000 | 2,070 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,116,000 | 2,070 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,116,000 | 2,070 |
| Net charge-offs | $84,000 | 4,015 |
| Cash dividends | $1,385,000 | 612 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 801 |
| Net operating income | $680,500 | 2,893 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,726,000 | 1,550 |
| Total interest expense | $1,053,000 | 1,608 |
| Net interest income | $3,673,000 | 1,519 |
| Provision for loan and lease losses | $3,000 | 5,694 |
| Total noninterest income | $913,000 | 1,300 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $448,000 | 802 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $465,000 | 1,415 |
| Total noninterest expense | $3,603,000 | 1,381 |
| Salaries and employee benefits | $1,776,000 | 1,427 |
| Premises and equipment expense | $532,000 | 1,231 |
| Additional noninterest expense | $1,295,000 | 1,359 |
| Pre-tax net operating income | $980,000 | 1,469 |
| Securities gains (losses) | $509,000 | 153 |
| Applicable income taxes | $408,000 | 873 |
| Income before extraordinary items | $1,081,000 | 1,139 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,081,000 | 1,138 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,081,000 | 1,138 |
| Net charge-offs | $53,000 | 3,302 |
| Cash dividends | $1,075,000 | 360 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 742 |
| Net operating income | $709,430 | 1,606 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $19,324,000 | 1,594 |
| Total interest expense | $4,473,000 | 1,807 |
| Net interest income | $14,851,000 | 1,506 |
| Provision for loan and lease losses | $532,000 | 4,033 |
| Total noninterest income | $3,803,000 | 1,317 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,259,000 | 663 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,544,000 | 1,665 |
| Total noninterest expense | $15,550,000 | 1,289 |
| Salaries and employee benefits | $7,540,000 | 1,305 |
| Premises and equipment expense | $2,088,000 | 1,241 |
| Additional noninterest expense | $5,922,000 | 1,247 |
| Pre-tax net operating income | $2,572,000 | 1,847 |
| Securities gains (losses) | $1,257,000 | 402 |
| Applicable income taxes | $846,000 | 1,390 |
| Income before extraordinary items | $2,983,000 | 1,409 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,983,000 | 1,412 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,983,000 | 1,413 |
| Net charge-offs | $994,000 | 2,694 |
| Cash dividends | $2,983,000 | 557 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,002,540 | 1,940 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,803,000 | 1,595 |
| Total interest expense | $3,423,000 | 1,839 |
| Net interest income | $11,380,000 | 1,499 |
| Provision for loan and lease losses | $181,000 | 4,999 |
| Total noninterest income | $2,998,000 | 1,255 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,717,000 | 668 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,281,000 | 1,515 |
| Total noninterest expense | $11,379,000 | 1,300 |
| Salaries and employee benefits | $5,566,000 | 1,326 |
| Premises and equipment expense | $1,546,000 | 1,279 |
| Additional noninterest expense | $4,267,000 | 1,267 |
| Pre-tax net operating income | $2,818,000 | 1,393 |
| Securities gains (losses) | $637,000 | 604 |
| Applicable income taxes | $762,000 | 1,250 |
| Income before extraordinary items | $2,693,000 | 1,241 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,693,000 | 1,245 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,693,000 | 1,245 |
| Net charge-offs | $743,000 | 2,566 |
| Cash dividends | $1,495,000 | 751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $2,196,140 | 1,454 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $10,047,000 | 1,576 |
| Total interest expense | $2,305,000 | 1,887 |
| Net interest income | $7,742,000 | 1,471 |
| Provision for loan and lease losses | $83,000 | 5,362 |
| Total noninterest income | $2,047,000 | 1,217 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,158,000 | 660 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $889,000 | 1,411 |
| Total noninterest expense | $7,592,000 | 1,299 |
| Salaries and employee benefits | $3,858,000 | 1,275 |
| Premises and equipment expense | $1,019,000 | 1,300 |
| Additional noninterest expense | $2,715,000 | 1,316 |
| Pre-tax net operating income | $2,114,000 | 1,236 |
| Securities gains (losses) | $649,000 | 374 |
| Applicable income taxes | $655,000 | 993 |
| Income before extraordinary items | $2,108,000 | 1,070 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,108,000 | 1,072 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,108,000 | 1,071 |
| Net charge-offs | $545,000 | 2,344 |
| Cash dividends | $1,095,000 | 646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,614,760 | 1,318 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,933,000 | 1,634 |
| Total interest expense | $1,144,000 | 2,003 |
| Net interest income | $3,789,000 | 1,519 |
| Provision for loan and lease losses | $73,000 | 4,417 |
| Total noninterest income | $1,031,000 | 1,201 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $563,000 | 686 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $468,000 | 1,367 |
| Total noninterest expense | $3,659,000 | 1,378 |
| Salaries and employee benefits | $1,814,000 | 1,385 |
| Premises and equipment expense | $502,000 | 1,354 |
| Additional noninterest expense | $1,343,000 | 1,319 |
| Pre-tax net operating income | $1,088,000 | 1,201 |
| Securities gains (losses) | $346,000 | 340 |
| Applicable income taxes | $345,000 | 930 |
| Income before extraordinary items | $1,089,000 | 1,006 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,089,000 | 1,009 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,089,000 | 1,010 |
| Net charge-offs | $102,000 | 3,082 |
| Cash dividends | $555,000 | 603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $826,040 | 1,287 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,707,000 | 1,653 |
| Total interest expense | $6,098,000 | 1,898 |
| Net interest income | $14,609,000 | 1,543 |
| Provision for loan and lease losses | $1,781,000 | 2,638 |
| Total noninterest income | $3,818,000 | 1,346 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,664,000 | 623 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,154,000 | 1,967 |
| Total noninterest expense | $14,469,000 | 1,413 |
| Salaries and employee benefits | $7,316,000 | 1,377 |
| Premises and equipment expense | $2,040,000 | 1,323 |
| Additional noninterest expense | $5,113,000 | 1,459 |
| Pre-tax net operating income | $2,177,000 | 1,789 |
| Securities gains (losses) | $1,261,000 | 400 |
| Applicable income taxes | $293,000 | 2,046 |
| Income before extraordinary items | $3,145,000 | 1,067 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,145,000 | 1,065 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $3,145,000 | 1,066 |
| Net charge-offs | $1,302,000 | 2,544 |
| Cash dividends | $2,232,000 | 817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,997,490 | 1,630 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,915,000 | 1,644 |
| Total interest expense | $4,954,000 | 1,843 |
| Net interest income | $10,961,000 | 1,535 |
| Provision for loan and lease losses | $1,304,000 | 2,400 |
| Total noninterest income | $2,867,000 | 1,369 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,997,000 | 623 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $870,000 | 2,010 |
| Total noninterest expense | $10,888,000 | 1,405 |
| Salaries and employee benefits | $5,538,000 | 1,376 |
| Premises and equipment expense | $1,519,000 | 1,350 |
| Additional noninterest expense | $3,831,000 | 1,414 |
| Pre-tax net operating income | $1,636,000 | 1,899 |
| Securities gains (losses) | $463,000 | 735 |
| Applicable income taxes | $24,000 | 3,714 |
| Income before extraordinary items | $2,075,000 | 1,289 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,075,000 | 1,288 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,075,000 | 1,289 |
| Net charge-offs | $1,133,000 | 2,069 |
| Cash dividends | $1,262,000 | 1,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,616,630 | 1,612 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,866,000 | 1,637 |
| Total interest expense | $3,739,000 | 1,734 |
| Net interest income | $7,127,000 | 1,569 |
| Provision for loan and lease losses | $863,000 | 2,247 |
| Total noninterest income | $2,112,000 | 1,285 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,286,000 | 649 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $826,000 | 1,607 |
| Total noninterest expense | $7,275,000 | 1,427 |
| Salaries and employee benefits | $3,714,000 | 1,404 |
| Premises and equipment expense | $1,015,000 | 1,369 |
| Additional noninterest expense | $2,546,000 | 1,454 |
| Pre-tax net operating income | $1,101,000 | 1,956 |
| Securities gains (losses) | $318,000 | 721 |
| Applicable income taxes | $-33,000 | 6,929 |
| Income before extraordinary items | $1,452,000 | 1,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,452,000 | 1,307 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,452,000 | 1,307 |
| Net charge-offs | $545,000 | 2,256 |
| Cash dividends | $1,019,000 | 872 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,134,000 | 1,611 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,631,000 | 1,606 |
| Total interest expense | $1,976,000 | 1,718 |
| Net interest income | $3,655,000 | 1,523 |
| Provision for loan and lease losses | $320,000 | 2,218 |
| Total noninterest income | $907,000 | 1,402 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $610,000 | 661 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $297,000 | 1,971 |
| Total noninterest expense | $3,555,000 | 1,398 |
| Salaries and employee benefits | $1,825,000 | 1,438 |
| Premises and equipment expense | $518,000 | 1,371 |
| Additional noninterest expense | $1,212,000 | 1,344 |
| Pre-tax net operating income | $687,000 | 1,839 |
| Securities gains (losses) | $21,000 | 1,659 |
| Applicable income taxes | $13,000 | 3,831 |
| Income before extraordinary items | $695,000 | 1,558 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $695,000 | 1,560 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $695,000 | 1,560 |
| Net charge-offs | $92,000 | 2,958 |
| Cash dividends | $612,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $674,420 | 1,513 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,735,000 | 1,506 |
| Total interest expense | $11,243,000 | 1,451 |
| Net interest income | $14,492,000 | 1,547 |
| Provision for loan and lease losses | $3,628,000 | 1,232 |
| Total noninterest income | $4,194,000 | 1,229 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,941,000 | 587 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,253,000 | 1,823 |
| Total noninterest expense | $14,555,000 | 1,341 |
| Salaries and employee benefits | $8,097,000 | 1,239 |
| Premises and equipment expense | $2,019,000 | 1,362 |
| Additional noninterest expense | $4,439,000 | 1,398 |
| Pre-tax net operating income | $503,000 | 4,859 |
| Securities gains (losses) | $-72,000 | 7,206 |
| Applicable income taxes | $-679,000 | 7,596 |
| Income before extraordinary items | $1,110,000 | 3,090 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,110,000 | 3,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,035,000 | 993 |
| Cash dividends | $1,746,000 | 1,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,182,000 | 3,093 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,762,000 | 1,515 |
| Total interest expense | $8,890,000 | 1,430 |
| Net interest income | $10,872,000 | 1,555 |
| Provision for loan and lease losses | $1,353,000 | 1,526 |
| Total noninterest income | $3,472,000 | 1,165 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,225,000 | 588 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,247,000 | 1,553 |
| Total noninterest expense | $10,456,000 | 1,385 |
| Salaries and employee benefits | $5,758,000 | 1,343 |
| Premises and equipment expense | $1,497,000 | 1,384 |
| Additional noninterest expense | $3,201,000 | 1,402 |
| Pre-tax net operating income | $2,535,000 | 1,903 |
| Securities gains (losses) | $-72,000 | 7,505 |
| Applicable income taxes | $227,000 | 2,774 |
| Income before extraordinary items | $2,236,000 | 1,618 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,236,000 | 1,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,288,000 | 1,115 |
| Cash dividends | $1,096,000 | 1,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,301,520 | 1,659 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,201,000 | 1,535 |
| Total interest expense | $6,009,000 | 1,471 |
| Net interest income | $7,192,000 | 1,560 |
| Provision for loan and lease losses | $1,286,000 | 1,049 |
| Total noninterest income | $2,592,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,478,000 | 583 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,114,000 | 1,299 |
| Total noninterest expense | $6,759,000 | 1,422 |
| Salaries and employee benefits | $3,750,000 | 1,392 |
| Premises and equipment expense | $974,000 | 1,421 |
| Additional noninterest expense | $2,035,000 | 1,444 |
| Pre-tax net operating income | $1,739,000 | 1,917 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $190,000 | 2,752 |
| Income before extraordinary items | $1,549,000 | 1,747 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,549,000 | 1,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $928,000 | 909 |
| Cash dividends | $1,096,000 | 1,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,549,000 | 1,715 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,759,000 | 1,535 |
| Total interest expense | $3,210,000 | 1,463 |
| Net interest income | $3,549,000 | 1,567 |
| Provision for loan and lease losses | $242,000 | 1,628 |
| Total noninterest income | $1,540,000 | 953 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $719,000 | 594 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $821,000 | 984 |
| Total noninterest expense | $3,326,000 | 1,438 |
| Salaries and employee benefits | $1,843,000 | 1,437 |
| Premises and equipment expense | $476,000 | 1,460 |
| Additional noninterest expense | $1,007,000 | 1,426 |
| Pre-tax net operating income | $1,521,000 | 1,244 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $304,000 | 1,461 |
| Income before extraordinary items | $1,217,000 | 1,234 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,217,000 | 1,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 971 |
| Cash dividends | $675,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,217,000 | 1,197 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,554,000 | 1,622 |
| Total interest expense | $13,493,000 | 1,487 |
| Net interest income | $13,061,000 | 1,735 |
| Provision for loan and lease losses | $257,000 | 3,459 |
| Total noninterest income | $5,008,000 | 1,100 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,185,000 | 545 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,823,000 | 1,448 |
| Total noninterest expense | $12,850,000 | 1,439 |
| Salaries and employee benefits | $7,530,000 | 1,334 |
| Premises and equipment expense | $1,725,000 | 1,539 |
| Additional noninterest expense | $3,595,000 | 1,539 |
| Pre-tax net operating income | $4,962,000 | 1,655 |
| Securities gains (losses) | $-21,000 | 7,772 |
| Applicable income taxes | $860,000 | 2,052 |
| Income before extraordinary items | $4,081,000 | 1,560 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,081,000 | 1,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 1,819 |
| Cash dividends | $1,660,000 | 1,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,098,430 | 1,538 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,506,000 | 1,660 |
| Total interest expense | $9,931,000 | 1,516 |
| Net interest income | $9,575,000 | 1,775 |
| Provision for loan and lease losses | $211,000 | 2,911 |
| Total noninterest income | $3,235,000 | 1,217 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,380,000 | 538 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $855,000 | 2,036 |
| Total noninterest expense | $8,987,000 | 1,516 |
| Salaries and employee benefits | $5,065,000 | 1,497 |
| Premises and equipment expense | $1,407,000 | 1,412 |
| Additional noninterest expense | $2,515,000 | 1,622 |
| Pre-tax net operating income | $3,612,000 | 1,816 |
| Securities gains (losses) | $9,000 | 1,036 |
| Applicable income taxes | $799,000 | 1,910 |
| Income before extraordinary items | $2,822,000 | 1,783 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,822,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 1,632 |
| Cash dividends | $1,215,000 | 1,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,814,980 | 1,778 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,760,000 | 1,708 |
| Total interest expense | $6,465,000 | 1,554 |
| Net interest income | $6,295,000 | 1,826 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $2,162,000 | 1,250 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,581,000 | 552 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $581,000 | 2,027 |
| Total noninterest expense | $5,888,000 | 1,562 |
| Salaries and employee benefits | $3,348,000 | 1,534 |
| Premises and equipment expense | $913,000 | 1,461 |
| Additional noninterest expense | $1,627,000 | 1,665 |
| Pre-tax net operating income | $2,419,000 | 1,858 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $542,000 | 1,956 |
| Income before extraordinary items | $1,876,000 | 1,848 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,876,000 | 1,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 1,947 |
| Cash dividends | $965,000 | 1,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,876,780 | 1,828 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,240,000 | 1,734 |
| Total interest expense | $3,145,000 | 1,584 |
| Net interest income | $3,095,000 | 1,859 |
| Provision for loan and lease losses | $87,000 | 2,267 |
| Total noninterest income | $1,034,000 | 1,281 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $768,000 | 540 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $266,000 | 2,127 |
| Total noninterest expense | $2,890,000 | 1,590 |
| Salaries and employee benefits | $1,668,000 | 1,560 |
| Premises and equipment expense | $449,000 | 1,488 |
| Additional noninterest expense | $773,000 | 1,737 |
| Pre-tax net operating income | $1,152,000 | 1,927 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $256,000 | 2,058 |
| Income before extraordinary items | $895,000 | 1,881 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $895,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,972 |
| Cash dividends | $340,000 | 1,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $895,780 | 1,872 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,775,000 | 1,849 |
| Total interest expense | $10,156,000 | 1,649 |
| Net interest income | $11,619,000 | 1,997 |
| Provision for loan and lease losses | $478,000 | 1,983 |
| Total noninterest income | $4,627,000 | 1,169 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,781,000 | 615 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,846,000 | 1,444 |
| Total noninterest expense | $11,736,000 | 1,521 |
| Salaries and employee benefits | $6,650,000 | 1,493 |
| Premises and equipment expense | $1,900,000 | 1,358 |
| Additional noninterest expense | $3,186,000 | 1,645 |
| Pre-tax net operating income | $4,032,000 | 2,248 |
| Securities gains (losses) | $3,000 | 1,365 |
| Applicable income taxes | $786,000 | 2,504 |
| Income before extraordinary items | $3,249,000 | 2,135 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,249,000 | 2,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,646,000 | 459 |
| Cash dividends | $720,000 | 3,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,246,570 | 2,125 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,822,000 | 1,893 |
| Total interest expense | $7,143,000 | 1,712 |
| Net interest income | $8,679,000 | 2,018 |
| Provision for loan and lease losses | $335,000 | 1,972 |
| Total noninterest income | $3,199,000 | 1,255 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,075,000 | 622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,124,000 | 1,663 |
| Total noninterest expense | $8,461,000 | 1,587 |
| Salaries and employee benefits | $4,687,000 | 1,593 |
| Premises and equipment expense | $1,430,000 | 1,363 |
| Additional noninterest expense | $2,344,000 | 1,679 |
| Pre-tax net operating income | $3,082,000 | 2,284 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $632,000 | 2,516 |
| Income before extraordinary items | $2,450,000 | 2,183 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,450,000 | 2,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,584,000 | 324 |
| Cash dividends | $585,000 | 2,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,450,000 | 2,170 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,101,000 | 1,927 |
| Total interest expense | $4,288,000 | 1,794 |
| Net interest income | $5,813,000 | 2,013 |
| Provision for loan and lease losses | $181,000 | 2,258 |
| Total noninterest income | $1,794,000 | 1,417 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,360,000 | 624 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $434,000 | 2,423 |
| Total noninterest expense | $5,539,000 | 1,619 |
| Salaries and employee benefits | $3,075,000 | 1,611 |
| Premises and equipment expense | $939,000 | 1,375 |
| Additional noninterest expense | $1,525,000 | 1,736 |
| Pre-tax net operating income | $1,887,000 | 2,424 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $372,000 | 2,726 |
| Income before extraordinary items | $1,515,000 | 2,319 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,515,000 | 2,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,432,000 | 265 |
| Cash dividends | $325,000 | 2,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,515,000 | 2,304 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,808,000 | 1,973 |
| Total interest expense | $1,970,000 | 1,848 |
| Net interest income | $2,838,000 | 2,044 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $850,000 | 1,442 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $630,000 | 657 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $220,000 | 2,353 |
| Total noninterest expense | $2,662,000 | 1,683 |
| Salaries and employee benefits | $1,507,000 | 1,647 |
| Premises and equipment expense | $475,000 | 1,368 |
| Additional noninterest expense | $680,000 | 1,921 |
| Pre-tax net operating income | $1,014,000 | 2,252 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $211,000 | 2,537 |
| Income before extraordinary items | $803,000 | 2,177 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $803,000 | 2,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,296 |
| Cash dividends | $225,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $803,000 | 2,156 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,660,000 | 2,008 |
| Total interest expense | $5,851,000 | 1,931 |
| Net interest income | $10,809,000 | 2,056 |
| Provision for loan and lease losses | $1,720,000 | 618 |
| Total noninterest income | $3,417,000 | 1,449 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,684,000 | 641 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $733,000 | 2,690 |
| Total noninterest expense | $10,291,000 | 1,658 |
| Salaries and employee benefits | $5,407,000 | 1,731 |
| Premises and equipment expense | $1,544,000 | 1,578 |
| Additional noninterest expense | $3,340,000 | 1,524 |
| Pre-tax net operating income | $2,215,000 | 3,440 |
| Securities gains (losses) | $-27,000 | 7,960 |
| Applicable income taxes | $259,000 | 4,319 |
| Income before extraordinary items | $1,929,000 | 3,179 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,929,000 | 3,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $601,000 | 996 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,952,760 | 3,118 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,159,000 | 2,007 |
| Total interest expense | $4,068,000 | 1,959 |
| Net interest income | $8,091,000 | 2,041 |
| Provision for loan and lease losses | $551,000 | 1,282 |
| Total noninterest income | $2,566,000 | 1,464 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,013,000 | 635 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $553,000 | 2,689 |
| Total noninterest expense | $7,429,000 | 1,695 |
| Salaries and employee benefits | $3,963,000 | 1,750 |
| Premises and equipment expense | $1,122,000 | 1,617 |
| Additional noninterest expense | $2,344,000 | 1,597 |
| Pre-tax net operating income | $2,677,000 | 2,441 |
| Securities gains (losses) | $-27,000 | 8,295 |
| Applicable income taxes | $548,000 | 2,792 |
| Income before extraordinary items | $2,102,000 | 2,396 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,102,000 | 2,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $543,000 | 782 |
| Cash dividends | $150,000 | 4,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,123,330 | 2,349 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,874,000 | 2,006 |
| Total interest expense | $2,461,000 | 2,023 |
| Net interest income | $5,413,000 | 2,006 |
| Provision for loan and lease losses | $398,000 | 1,203 |
| Total noninterest income | $1,703,000 | 1,453 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,295,000 | 646 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $408,000 | 2,507 |
| Total noninterest expense | $4,825,000 | 1,729 |
| Salaries and employee benefits | $2,565,000 | 1,786 |
| Premises and equipment expense | $737,000 | 1,631 |
| Additional noninterest expense | $1,523,000 | 1,620 |
| Pre-tax net operating income | $1,893,000 | 2,276 |
| Securities gains (losses) | $-27,000 | 8,446 |
| Applicable income taxes | $401,000 | 2,611 |
| Income before extraordinary items | $1,465,000 | 2,273 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,465,000 | 2,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $448,000 | 651 |
| Cash dividends | $150,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,486,330 | 2,215 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,785,000 | 2,045 |
| Total interest expense | $1,163,000 | 2,026 |
| Net interest income | $2,622,000 | 2,056 |
| Provision for loan and lease losses | $126,000 | 1,668 |
| Total noninterest income | $791,000 | 1,506 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $628,000 | 644 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $163,000 | 2,830 |
| Total noninterest expense | $2,247,000 | 1,860 |
| Salaries and employee benefits | $1,261,000 | 1,832 |
| Premises and equipment expense | $345,000 | 1,739 |
| Additional noninterest expense | $641,000 | 1,913 |
| Pre-tax net operating income | $1,040,000 | 2,095 |
| Securities gains (losses) | $-20,000 | 8,663 |
| Applicable income taxes | $230,000 | 2,377 |
| Income before extraordinary items | $790,000 | 2,103 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $790,000 | 2,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 1,641 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $805,400 | 2,031 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,321,000 | 2,156 |
| Total interest expense | $3,878,000 | 2,091 |
| Net interest income | $9,443,000 | 2,159 |
| Provision for loan and lease losses | $801,000 | 1,281 |
| Total noninterest income | $3,702,000 | 1,364 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,731,000 | 642 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $971,000 | 2,190 |
| Total noninterest expense | $9,316,000 | 1,738 |
| Salaries and employee benefits | $4,928,000 | 1,785 |
| Premises and equipment expense | $1,246,000 | 1,843 |
| Additional noninterest expense | $3,142,000 | 1,561 |
| Pre-tax net operating income | $3,028,000 | 2,571 |
| Securities gains (losses) | $41,000 | 1,887 |
| Applicable income taxes | $515,000 | 3,299 |
| Income before extraordinary items | $2,554,000 | 2,389 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,554,000 | 2,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,743 |
| Cash dividends | $556,000 | 3,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,519,970 | 2,357 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,600,000 | 2,210 |
| Total interest expense | $2,783,000 | 2,145 |
| Net interest income | $6,817,000 | 2,219 |
| Provision for loan and lease losses | $458,000 | 1,559 |
| Total noninterest income | $2,529,000 | 1,475 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,034,000 | 653 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $495,000 | 2,827 |
| Total noninterest expense | $6,318,000 | 1,896 |
| Salaries and employee benefits | $3,360,000 | 1,942 |
| Premises and equipment expense | $916,000 | 1,885 |
| Additional noninterest expense | $2,042,000 | 1,760 |
| Pre-tax net operating income | $2,570,000 | 2,325 |
| Securities gains (losses) | $14,000 | 2,518 |
| Applicable income taxes | $498,000 | 2,907 |
| Income before extraordinary items | $2,086,000 | 2,234 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,086,000 | 2,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,153 |
| Cash dividends | $278,000 | 3,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,074,660 | 2,189 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,141,000 | 2,291 |
| Total interest expense | $1,717,000 | 2,274 |
| Net interest income | $4,424,000 | 2,262 |
| Provision for loan and lease losses | $390,000 | 1,260 |
| Total noninterest income | $1,665,000 | 1,480 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,320,000 | 660 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $345,000 | 2,751 |
| Total noninterest expense | $4,202,000 | 1,902 |
| Salaries and employee benefits | $2,232,000 | 1,954 |
| Premises and equipment expense | $640,000 | 1,802 |
| Additional noninterest expense | $1,330,000 | 1,798 |
| Pre-tax net operating income | $1,497,000 | 2,593 |
| Securities gains (losses) | $37,000 | 1,654 |
| Applicable income taxes | $268,000 | 3,276 |
| Income before extraordinary items | $1,266,000 | 2,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,266,000 | 2,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,118 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,235,290 | 2,395 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,011,000 | 2,343 |
| Total interest expense | $856,000 | 2,298 |
| Net interest income | $2,155,000 | 2,312 |
| Provision for loan and lease losses | $73,000 | 2,730 |
| Total noninterest income | $789,000 | 1,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $628,000 | 679 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $161,000 | 2,816 |
| Total noninterest expense | $2,069,000 | 1,938 |
| Salaries and employee benefits | $1,109,000 | 1,985 |
| Premises and equipment expense | $306,000 | 1,895 |
| Additional noninterest expense | $654,000 | 1,812 |
| Pre-tax net operating income | $802,000 | 2,424 |
| Securities gains (losses) | $31,000 | 1,473 |
| Applicable income taxes | $153,000 | 3,057 |
| Income before extraordinary items | $680,000 | 2,231 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $680,000 | 2,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,590 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $654,580 | 2,227 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,574,000 | 2,460 |
| Total interest expense | $3,603,000 | 2,445 |
| Net interest income | $7,971,000 | 2,438 |
| Provision for loan and lease losses | $131,000 | 4,799 |
| Total noninterest income | $3,223,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $2,573,000 | 668 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $650,000 | 3,106 |
| Total noninterest expense | $8,052,000 | 1,974 |
| Salaries and employee benefits | $4,500,000 | 1,913 |
| Premises and equipment expense | $1,105,000 | 2,062 |
| Additional noninterest expense | $2,447,000 | 1,963 |
| Pre-tax net operating income | $3,011,000 | 2,503 |
| Securities gains (losses) | $261,000 | 1,139 |
| Applicable income taxes | $713,000 | 2,758 |
| Income before extraordinary items | $2,559,000 | 2,323 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,559,000 | 2,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,809 |
| Cash dividends | $399,000 | 3,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,355,420 | 2,391 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,619,000 | 2,518 |
| Total interest expense | $2,806,000 | 2,446 |
| Net interest income | $5,813,000 | 2,511 |
| Provision for loan and lease losses | $131,000 | 4,208 |
| Total noninterest income | $2,429,000 | 1,625 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,926,000 | 679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $503,000 | 3,127 |
| Total noninterest expense | $5,753,000 | 2,061 |
| Salaries and employee benefits | $3,192,000 | 2,016 |
| Premises and equipment expense | $833,000 | 2,064 |
| Additional noninterest expense | $1,728,000 | 2,082 |
| Pre-tax net operating income | $2,358,000 | 2,498 |
| Securities gains (losses) | $245,000 | 1,098 |
| Applicable income taxes | $619,000 | 2,612 |
| Income before extraordinary items | $1,984,000 | 2,357 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,984,000 | 2,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 9,071 |
| Cash dividends | $184,000 | 4,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,797,800 | 2,441 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,876,000 | 2,484 |
| Total interest expense | $1,991,000 | 2,380 |
| Net interest income | $3,885,000 | 2,501 |
| Provision for loan and lease losses | $131,000 | 3,324 |
| Total noninterest income | $1,568,000 | 1,665 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,252,000 | 681 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $316,000 | 3,198 |
| Total noninterest expense | $3,848,000 | 2,048 |
| Salaries and employee benefits | $2,144,000 | 1,991 |
| Premises and equipment expense | $553,000 | 2,071 |
| Additional noninterest expense | $1,151,000 | 2,074 |
| Pre-tax net operating income | $1,474,000 | 2,635 |
| Securities gains (losses) | $166,000 | 1,164 |
| Applicable income taxes | $381,000 | 2,789 |
| Income before extraordinary items | $1,259,000 | 2,460 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,259,000 | 2,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,047 |
| Cash dividends | $184,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,131,180 | 2,552 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,874,000 | 2,545 |
| Total interest expense | $1,014,000 | 2,409 |
| Net interest income | $1,860,000 | 2,602 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $766,000 | 1,639 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $614,000 | 675 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $152,000 | 3,188 |
| Total noninterest expense | $1,909,000 | 2,049 |
| Salaries and employee benefits | $1,070,000 | 1,982 |
| Premises and equipment expense | $276,000 | 2,067 |
| Additional noninterest expense | $563,000 | 2,089 |
| Pre-tax net operating income | $717,000 | 2,688 |
| Securities gains (losses) | $-1,000 | 8,995 |
| Applicable income taxes | $156,000 | 3,152 |
| Income before extraordinary items | $560,000 | 2,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $560,000 | 2,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,613 |
| Cash dividends | $77,000 | 3,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $560,780 | 2,555 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,817,000 | 2,593 |
| Total interest expense | $4,530,000 | 2,460 |
| Net interest income | $7,287,000 | 2,618 |
| Provision for loan and lease losses | $-80,000 | 9,251 |
| Total noninterest income | $2,934,000 | 1,594 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $2,403,000 | 677 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $531,000 | 3,178 |
| Total noninterest expense | $7,998,000 | 1,885 |
| Salaries and employee benefits | $4,384,000 | 1,835 |
| Premises and equipment expense | $1,138,000 | 1,939 |
| Additional noninterest expense | $2,476,000 | 1,871 |
| Pre-tax net operating income | $2,303,000 | 3,075 |
| Securities gains (losses) | $406,000 | 751 |
| Applicable income taxes | $695,000 | 2,859 |
| Income before extraordinary items | $2,014,000 | 2,786 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,014,000 | 2,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,954 |
| Cash dividends | $417,000 | 3,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,713,560 | 3,051 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,608,000 | 2,512 |
| Total interest expense | $6,575,000 | 2,444 |
| Net interest income | $7,033,000 | 2,544 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $3,060,000 | 1,461 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,126,000 | 697 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $934,000 | 2,149 |
| Total noninterest expense | $7,713,000 | 1,880 |
| Salaries and employee benefits | $4,002,000 | 1,875 |
| Premises and equipment expense | $1,383,000 | 1,551 |
| Additional noninterest expense | $2,328,000 | 1,939 |
| Pre-tax net operating income | $2,380,000 | 2,773 |
| Securities gains (losses) | $-12,000 | 9,316 |
| Applicable income taxes | $807,000 | 2,411 |
| Income before extraordinary items | $1,561,000 | 3,130 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,561,000 | 3,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $410,000 | 1,797 |
| Cash dividends | $450,000 | 3,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,568,920 | 3,022 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,789,000 | 2,528 |
| Total interest expense | $6,382,000 | 2,609 |
| Net interest income | $7,407,000 | 2,397 |
| Provision for loan and lease losses | $1,498,000 | 766 |
| Total noninterest income | $2,554,000 | 1,557 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,149,000 | 619 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $405,000 | 3,311 |
| Total noninterest expense | $7,784,000 | 1,793 |
| Salaries and employee benefits | $3,712,000 | 1,936 |
| Premises and equipment expense | $1,376,000 | 1,512 |
| Additional noninterest expense | $2,696,000 | 1,649 |
| Pre-tax net operating income | $679,000 | 6,311 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $244,000 | 5,033 |
| Income before extraordinary items | $435,000 | 6,653 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $435,000 | 6,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $759,000 | 911 |
| Cash dividends | $761,000 | 2,746 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $435,000 | 6,667 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,064,000 | 2,693 |
| Total interest expense | $4,786,000 | 3,053 |
| Net interest income | $7,278,000 | 2,423 |
| Provision for loan and lease losses | $349,000 | 2,370 |
| Total noninterest income | $1,989,000 | 1,867 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,670,000 | 795 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $319,000 | 3,887 |
| Total noninterest expense | $7,042,000 | 1,953 |
| Salaries and employee benefits | $3,435,000 | 2,041 |
| Premises and equipment expense | $1,260,000 | 1,620 |
| Additional noninterest expense | $2,347,000 | 1,863 |
| Pre-tax net operating income | $1,876,000 | 3,497 |
| Securities gains (losses) | $-9,000 | 9,275 |
| Applicable income taxes | $496,000 | 3,663 |
| Income before extraordinary items | $1,371,000 | 3,479 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,371,000 | 3,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,373 |
| Cash dividends | $796,000 | 2,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,377,570 | 3,438 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,168,000 | 2,890 |
| Total interest expense | $4,575,000 | 3,250 |
| Net interest income | $6,593,000 | 2,588 |
| Provision for loan and lease losses | $354,000 | 2,296 |
| Total noninterest income | $1,518,000 | 2,250 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,156,000 | 1,097 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $362,000 | 3,636 |
| Total noninterest expense | $6,539,000 | 2,003 |
| Salaries and employee benefits | $3,190,000 | 2,123 |
| Premises and equipment expense | $1,352,000 | 1,452 |
| Additional noninterest expense | $1,997,000 | 2,116 |
| Pre-tax net operating income | $1,218,000 | 4,838 |
| Securities gains (losses) | $282,000 | 763 |
| Applicable income taxes | $494,000 | 3,871 |
| Income before extraordinary items | $1,006,000 | 4,497 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,006,000 | 4,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,045,000 | 730 |
| Cash dividends | $621,000 | 3,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $817,060 | 5,033 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,215,000 | 3,179 |
| Total interest expense | $3,868,000 | 3,801 |
| Net interest income | $6,347,000 | 2,743 |
| Provision for loan and lease losses | $135,000 | 4,360 |
| Total noninterest income | $1,305,000 | 2,455 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $914,000 | 1,414 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $391,000 | 3,325 |
| Total noninterest expense | $7,269,000 | 1,784 |
| Salaries and employee benefits | $2,843,000 | 2,326 |
| Premises and equipment expense | $1,240,000 | 1,567 |
| Additional noninterest expense | $3,186,000 | 1,362 |
| Pre-tax net operating income | $248,000 | 9,301 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $444,000 | 4,575 |
| Income before extraordinary items | $-198,000 | 10,607 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-198,000 | 10,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,181,000 | 718 |
| Cash dividends | $535,000 | 3,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-196,720 | 10,578 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,333,000 | 3,493 |
| Total interest expense | $3,609,000 | 4,073 |
| Net interest income | $5,724,000 | 3,093 |
| Provision for loan and lease losses | $395,000 | 2,118 |
| Total noninterest income | $1,053,000 | 3,005 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $768,000 | 1,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $285,000 | 4,206 |
| Total noninterest expense | $5,182,000 | 2,628 |
| Salaries and employee benefits | $2,528,000 | 2,660 |
| Premises and equipment expense | $1,018,000 | 1,971 |
| Additional noninterest expense | $1,636,000 | 2,911 |
| Pre-tax net operating income | $1,200,000 | 5,125 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $227,000 | 6,744 |
| Income before extraordinary items | $971,000 | 4,614 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $971,000 | 4,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $378,000 | 1,751 |
| Cash dividends | $971,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $972,620 | 4,550 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,946,000 | 4,041 |
| Total interest expense | $2,954,000 | 4,837 |
| Net interest income | $4,992,000 | 3,541 |
| Provision for loan and lease losses | $90,000 | 4,814 |
| Total noninterest income | $958,000 | 3,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $669,000 | 2,019 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $289,000 | 4,091 |
| Total noninterest expense | $4,084,000 | 3,257 |
| Salaries and employee benefits | $2,019,000 | 3,282 |
| Premises and equipment expense | $694,000 | 2,834 |
| Additional noninterest expense | $1,371,000 | 3,330 |
| Pre-tax net operating income | $1,776,000 | 3,881 |
| Securities gains (losses) | $-241,000 | 11,709 |
| Applicable income taxes | $331,000 | 5,647 |
| Income before extraordinary items | $1,204,000 | 3,947 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,204,000 | 3,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,239 |
| Cash dividends | $444,000 | 3,636 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,391,980 | 3,456 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,403,000 | 4,581 |
| Total interest expense | $2,014,000 | 5,587 |
| Net interest income | $4,389,000 | 4,004 |
| Provision for loan and lease losses | $40,000 | 6,585 |
| Total noninterest income | $800,000 | 3,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $624,000 | 2,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $176,000 | 5,699 |
| Total noninterest expense | $3,421,000 | 3,930 |
| Salaries and employee benefits | $1,761,000 | 3,703 |
| Premises and equipment expense | $581,000 | 3,368 |
| Additional noninterest expense | $1,079,000 | 4,416 |
| Pre-tax net operating income | $1,728,000 | 3,901 |
| Securities gains (losses) | $-21,000 | 10,372 |
| Applicable income taxes | $368,000 | 5,069 |
| Income before extraordinary items | $1,339,000 | 3,505 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,339,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,872 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,355,380 | 3,488 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,291,000 | 4,760 |
| Total interest expense | $1,986,000 | 5,866 |
| Net interest income | $4,305,000 | 4,123 |
| Provision for loan and lease losses | $206,000 | 3,844 |
| Total noninterest income | $754,000 | 4,194 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $608,000 | 2,264 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,644 |
| Total noninterest expense | $3,236,000 | 4,215 |
| Salaries and employee benefits | $1,557,000 | 4,142 |
| Premises and equipment expense | $489,000 | 3,942 |
| Additional noninterest expense | $1,190,000 | 4,216 |
| Pre-tax net operating income | $1,617,000 | 4,054 |
| Securities gains (losses) | $36,000 | 3,866 |
| Applicable income taxes | $383,000 | 5,162 |
| Income before extraordinary items | $1,270,000 | 3,802 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,270,000 | 3,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,828 |
| Cash dividends | $670,000 | 2,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,242,280 | 3,670 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,776,000 | 4,968 |
| Total interest expense | $2,404,000 | 6,173 |
| Net interest income | $4,372,000 | 4,115 |
| Provision for loan and lease losses | $657,000 | 2,477 |
| Total noninterest income | $750,000 | 4,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $557,000 | 2,472 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,787 |
| Total noninterest expense | $3,031,000 | 4,492 |
| Salaries and employee benefits | $1,416,000 | 4,453 |
| Premises and equipment expense | $432,000 | 4,510 |
| Additional noninterest expense | $1,183,000 | 4,385 |
| Pre-tax net operating income | $1,434,000 | 4,214 |
| Securities gains (losses) | $34,000 | 4,785 |
| Applicable income taxes | $340,000 | 5,466 |
| Income before extraordinary items | $1,128,000 | 4,032 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,128,000 | 4,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 3,381 |
| Cash dividends | $550,000 | 2,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,101,820 | 3,815 |
* 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.