Home > The Wellsville Bank > Income and Expense
The Wellsville Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $366,000 | 6,725 |
| Total interest expense | $44,000 | 6,808 |
| Net interest income | $322,000 | 6,667 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $70,000 | 5,439 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $56,000 | 4,084 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $14,000 | 6,009 |
| Total noninterest expense | $461,000 | 5,928 |
| Salaries and employee benefits | $191,000 | 6,285 |
| Premises and equipment expense | $50,000 | 5,849 |
| Additional noninterest expense | $220,000 | 5,150 |
| Pre-tax net operating income | $-69,000 | 6,663 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-4,000 | 6,927 |
| Income before extraordinary items | $-65,000 | 6,745 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-65,000 | 6,747 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-65,000 | 6,747 |
| Net charge-offs | $-4,000 | 6,305 |
| Cash dividends | $112,000 | 1,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-65,000 | 6,675 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,623,000 | 6,687 |
| Total interest expense | $207,000 | 6,880 |
| Net interest income | $1,416,000 | 6,593 |
| Provision for loan and lease losses | $88,000 | 5,473 |
| Total noninterest income | $297,000 | 5,224 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $276,000 | 3,773 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $21,000 | 6,361 |
| Total noninterest expense | $1,221,000 | 6,614 |
| Salaries and employee benefits | $587,000 | 6,733 |
| Premises and equipment expense | $171,000 | 6,251 |
| Additional noninterest expense | $463,000 | 6,374 |
| Pre-tax net operating income | $404,000 | 4,965 |
| Securities gains (losses) | $156,000 | 1,671 |
| Applicable income taxes | $19,000 | 4,130 |
| Income before extraordinary items | $541,000 | 4,547 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $541,000 | 4,550 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $541,000 | 4,549 |
| Net charge-offs | $66,000 | 5,304 |
| Cash dividends | $160,000 | 3,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $389,680 | 4,843 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,241,000 | 6,738 |
| Total interest expense | $161,000 | 6,948 |
| Net interest income | $1,080,000 | 6,635 |
| Provision for loan and lease losses | $80,000 | 5,195 |
| Total noninterest income | $220,000 | 5,321 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $208,000 | 3,775 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $12,000 | 6,578 |
| Total noninterest expense | $909,000 | 6,653 |
| Salaries and employee benefits | $433,000 | 6,774 |
| Premises and equipment expense | $129,000 | 6,276 |
| Additional noninterest expense | $347,000 | 6,427 |
| Pre-tax net operating income | $311,000 | 5,065 |
| Securities gains (losses) | $156,000 | 1,401 |
| Applicable income taxes | $15,000 | 4,140 |
| Income before extraordinary items | $452,000 | 4,488 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $452,000 | 4,489 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $452,000 | 4,489 |
| Net charge-offs | $66,000 | 4,779 |
| Cash dividends | $160,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $300,680 | 4,937 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $817,000 | 6,813 |
| Total interest expense | $111,000 | 7,018 |
| Net interest income | $706,000 | 6,713 |
| Provision for loan and lease losses | $60,000 | 4,872 |
| Total noninterest income | $135,000 | 5,478 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $134,000 | 3,820 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,000 | 6,916 |
| Total noninterest expense | $598,000 | 6,742 |
| Salaries and employee benefits | $282,000 | 6,876 |
| Premises and equipment expense | $84,000 | 6,363 |
| Additional noninterest expense | $232,000 | 6,495 |
| Pre-tax net operating income | $183,000 | 5,218 |
| Securities gains (losses) | $13,000 | 2,268 |
| Applicable income taxes | $4,000 | 4,365 |
| Income before extraordinary items | $192,000 | 5,082 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $192,000 | 5,082 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $192,000 | 5,082 |
| Net charge-offs | $71,000 | 4,170 |
| Cash dividends | $144,000 | 2,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $179,260 | 5,075 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $403,000 | 6,877 |
| Total interest expense | $57,000 | 7,076 |
| Net interest income | $346,000 | 6,774 |
| Provision for loan and lease losses | $19,000 | 5,053 |
| Total noninterest income | $78,000 | 5,316 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $66,000 | 3,799 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 6,262 |
| Total noninterest expense | $285,000 | 6,854 |
| Salaries and employee benefits | $133,000 | 6,978 |
| Premises and equipment expense | $41,000 | 6,442 |
| Additional noninterest expense | $111,000 | 6,603 |
| Pre-tax net operating income | $120,000 | 4,931 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $1,000 | 4,403 |
| Income before extraordinary items | $119,000 | 4,784 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $119,000 | 4,782 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $119,000 | 4,784 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $144,000 | 1,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $119,000 | 4,720 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,602,000 | 6,982 |
| Total interest expense | $269,000 | 7,152 |
| Net interest income | $1,333,000 | 6,861 |
| Provision for loan and lease losses | $100,000 | 6,012 |
| Total noninterest income | $384,000 | 5,024 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $258,000 | 3,950 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $126,000 | 5,171 |
| Total noninterest expense | $1,285,000 | 6,762 |
| Salaries and employee benefits | $696,000 | 6,697 |
| Premises and equipment expense | $150,000 | 6,629 |
| Additional noninterest expense | $439,000 | 6,689 |
| Pre-tax net operating income | $332,000 | 4,808 |
| Securities gains (losses) | $48,000 | 2,688 |
| Applicable income taxes | $13,000 | 4,154 |
| Income before extraordinary items | $367,000 | 4,722 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $367,000 | 4,723 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $367,000 | 4,723 |
| Net charge-offs | $26,000 | 6,262 |
| Cash dividends | $164,000 | 3,440 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $320,440 | 4,727 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,180,000 | 7,114 |
| Total interest expense | $206,000 | 7,260 |
| Net interest income | $974,000 | 6,983 |
| Provision for loan and lease losses | $58,000 | 6,150 |
| Total noninterest income | $226,000 | 5,480 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $182,000 | 4,127 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $44,000 | 6,128 |
| Total noninterest expense | $838,000 | 7,021 |
| Salaries and employee benefits | $402,000 | 7,131 |
| Premises and equipment expense | $116,000 | 6,670 |
| Additional noninterest expense | $320,000 | 6,787 |
| Pre-tax net operating income | $304,000 | 4,848 |
| Securities gains (losses) | $43,000 | 2,516 |
| Applicable income taxes | $12,000 | 4,186 |
| Income before extraordinary items | $335,000 | 4,724 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $335,000 | 4,727 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $335,000 | 4,727 |
| Net charge-offs | $-2,000 | 7,281 |
| Cash dividends | $164,000 | 2,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $293,290 | 4,713 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $776,000 | 7,182 |
| Total interest expense | $140,000 | 7,335 |
| Net interest income | $636,000 | 7,051 |
| Provision for loan and lease losses | $49,000 | 5,897 |
| Total noninterest income | $148,000 | 5,503 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $115,000 | 4,223 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $33,000 | 6,051 |
| Total noninterest expense | $564,000 | 7,069 |
| Salaries and employee benefits | $268,000 | 7,185 |
| Premises and equipment expense | $80,000 | 6,663 |
| Additional noninterest expense | $216,000 | 6,816 |
| Pre-tax net operating income | $171,000 | 5,084 |
| Securities gains (losses) | $9,000 | 2,629 |
| Applicable income taxes | $5,000 | 4,306 |
| Income before extraordinary items | $175,000 | 5,063 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $175,000 | 5,066 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $175,000 | 5,065 |
| Net charge-offs | $-3,000 | 7,284 |
| Cash dividends | $64,000 | 3,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $166,270 | 4,961 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $381,000 | 7,304 |
| Total interest expense | $70,000 | 7,440 |
| Net interest income | $311,000 | 7,165 |
| Provision for loan and lease losses | $7,000 | 6,262 |
| Total noninterest income | $69,000 | 5,656 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $39,000 | 4,918 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 5,438 |
| Total noninterest expense | $267,000 | 7,216 |
| Salaries and employee benefits | $126,000 | 7,327 |
| Premises and equipment expense | $38,000 | 6,814 |
| Additional noninterest expense | $103,000 | 6,955 |
| Pre-tax net operating income | $106,000 | 4,974 |
| Securities gains (losses) | $5,000 | 1,894 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $108,000 | 4,870 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $108,000 | 4,870 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $108,000 | 4,869 |
| Net charge-offs | $-3,000 | 7,154 |
| Cash dividends | $64,000 | 2,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $103,150 | 4,822 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 7,301 |
| Total interest expense | $328,000 | 7,520 |
| Net interest income | $1,346,000 | 7,073 |
| Provision for loan and lease losses | $192,000 | 5,836 |
| Total noninterest income | $209,000 | 6,163 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $157,000 | 5,084 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $52,000 | 6,324 |
| Total noninterest expense | $1,147,000 | 7,228 |
| Salaries and employee benefits | $548,000 | 7,323 |
| Premises and equipment expense | $159,000 | 6,852 |
| Additional noninterest expense | $440,000 | 6,971 |
| Pre-tax net operating income | $216,000 | 4,753 |
| Securities gains (losses) | $39,000 | 2,759 |
| Applicable income taxes | $10,000 | 3,886 |
| Income before extraordinary items | $245,000 | 4,653 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $245,000 | 4,653 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $245,000 | 4,653 |
| Net charge-offs | $229,000 | 4,832 |
| Cash dividends | $92,000 | 4,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $207,560 | 4,718 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,263,000 | 7,378 |
| Total interest expense | $255,000 | 7,595 |
| Net interest income | $1,008,000 | 7,120 |
| Provision for loan and lease losses | $145,000 | 5,543 |
| Total noninterest income | $152,000 | 6,320 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $115,000 | 5,150 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $37,000 | 6,539 |
| Total noninterest expense | $821,000 | 7,325 |
| Salaries and employee benefits | $396,000 | 7,423 |
| Premises and equipment expense | $122,000 | 6,862 |
| Additional noninterest expense | $303,000 | 7,111 |
| Pre-tax net operating income | $194,000 | 4,949 |
| Securities gains (losses) | $36,000 | 2,456 |
| Applicable income taxes | $9,000 | 4,072 |
| Income before extraordinary items | $221,000 | 4,751 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $221,000 | 4,750 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $221,000 | 4,751 |
| Net charge-offs | $135,000 | 4,746 |
| Cash dividends | $92,000 | 3,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $186,440 | 4,859 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $844,000 | 7,439 |
| Total interest expense | $175,000 | 7,678 |
| Net interest income | $669,000 | 7,161 |
| Provision for loan and lease losses | $135,000 | 4,908 |
| Total noninterest income | $91,000 | 6,519 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $70,000 | 5,297 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $21,000 | 6,756 |
| Total noninterest expense | $539,000 | 7,419 |
| Salaries and employee benefits | $270,000 | 7,470 |
| Premises and equipment expense | $78,000 | 6,986 |
| Additional noninterest expense | $191,000 | 7,237 |
| Pre-tax net operating income | $86,000 | 5,312 |
| Securities gains (losses) | $13,000 | 2,499 |
| Applicable income taxes | $3,000 | 4,355 |
| Income before extraordinary items | $96,000 | 5,241 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $96,000 | 5,239 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $96,000 | 5,239 |
| Net charge-offs | $129,000 | 3,952 |
| Cash dividends | $80,000 | 3,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $83,390 | 5,246 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $410,000 | 7,527 |
| Total interest expense | $91,000 | 7,728 |
| Net interest income | $319,000 | 7,276 |
| Provision for loan and lease losses | $127,000 | 3,526 |
| Total noninterest income | $60,000 | 6,100 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $32,000 | 5,411 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $28,000 | 5,720 |
| Total noninterest expense | $277,000 | 7,391 |
| Salaries and employee benefits | $125,000 | 7,609 |
| Premises and equipment expense | $39,000 | 7,024 |
| Additional noninterest expense | $113,000 | 6,890 |
| Pre-tax net operating income | $-25,000 | 6,391 |
| Securities gains (losses) | $5,000 | 2,061 |
| Applicable income taxes | $-1,000 | 7,065 |
| Income before extraordinary items | $-19,000 | 6,505 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-19,000 | 6,506 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-19,000 | 6,506 |
| Net charge-offs | $133,000 | 2,543 |
| Cash dividends | $80,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-23,750 | 6,410 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 7,510 |
| Total interest expense | $496,000 | 7,675 |
| Net interest income | $1,253,000 | 7,305 |
| Provision for loan and lease losses | $102,000 | 6,005 |
| Total noninterest income | $251,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $165,000 | 5,140 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $86,000 | 6,122 |
| Total noninterest expense | $1,112,000 | 7,394 |
| Salaries and employee benefits | $555,000 | 7,529 |
| Premises and equipment expense | $164,000 | 7,017 |
| Additional noninterest expense | $393,000 | 7,070 |
| Pre-tax net operating income | $290,000 | 5,474 |
| Securities gains (losses) | $5,000 | 2,760 |
| Applicable income taxes | $10,000 | 4,529 |
| Income before extraordinary items | $285,000 | 5,175 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $285,000 | 5,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 5,464 |
| Cash dividends | $256,000 | 4,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $280,150 | 5,350 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 7,598 |
| Total interest expense | $388,000 | 7,751 |
| Net interest income | $922,000 | 7,383 |
| Provision for loan and lease losses | $79,000 | 5,466 |
| Total noninterest income | $193,000 | 6,186 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $126,000 | 5,149 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $67,000 | 6,203 |
| Total noninterest expense | $798,000 | 7,476 |
| Salaries and employee benefits | $404,000 | 7,606 |
| Premises and equipment expense | $124,000 | 7,048 |
| Additional noninterest expense | $270,000 | 7,209 |
| Pre-tax net operating income | $238,000 | 5,892 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $8,000 | 4,921 |
| Income before extraordinary items | $230,000 | 5,550 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $230,000 | 5,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,039 |
| Cash dividends | $256,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $230,000 | 5,728 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $871,000 | 7,665 |
| Total interest expense | $275,000 | 7,792 |
| Net interest income | $596,000 | 7,465 |
| Provision for loan and lease losses | $34,000 | 5,522 |
| Total noninterest income | $124,000 | 6,313 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $79,000 | 5,271 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $45,000 | 6,281 |
| Total noninterest expense | $537,000 | 7,519 |
| Salaries and employee benefits | $274,000 | 7,633 |
| Premises and equipment expense | $81,000 | 7,110 |
| Additional noninterest expense | $182,000 | 7,212 |
| Pre-tax net operating income | $149,000 | 6,121 |
| Securities gains (losses) | $3,000 | 2,869 |
| Applicable income taxes | $4,000 | 5,280 |
| Income before extraordinary items | $148,000 | 5,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $148,000 | 5,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,608 |
| Cash dividends | $160,000 | 3,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $145,090 | 5,953 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $439,000 | 7,732 |
| Total interest expense | $143,000 | 7,846 |
| Net interest income | $296,000 | 7,519 |
| Provision for loan and lease losses | $7,000 | 5,635 |
| Total noninterest income | $57,000 | 6,444 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $39,000 | 5,270 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 6,579 |
| Total noninterest expense | $268,000 | 7,549 |
| Salaries and employee benefits | $130,000 | 7,746 |
| Premises and equipment expense | $40,000 | 7,158 |
| Additional noninterest expense | $98,000 | 7,100 |
| Pre-tax net operating income | $78,000 | 6,272 |
| Securities gains (losses) | $5,000 | 2,232 |
| Applicable income taxes | $2,000 | 5,366 |
| Income before extraordinary items | $81,000 | 6,109 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $81,000 | 6,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $160,000 | 2,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $76,100 | 6,088 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,744,000 | 7,741 |
| Total interest expense | $563,000 | 7,861 |
| Net interest income | $1,181,000 | 7,527 |
| Provision for loan and lease losses | $27,000 | 6,167 |
| Total noninterest income | $264,000 | 6,281 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $187,000 | 5,028 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $77,000 | 6,577 |
| Total noninterest expense | $1,090,000 | 7,524 |
| Salaries and employee benefits | $536,000 | 7,705 |
| Premises and equipment expense | $158,000 | 7,172 |
| Additional noninterest expense | $396,000 | 7,060 |
| Pre-tax net operating income | $328,000 | 6,512 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $10,000 | 5,634 |
| Income before extraordinary items | $317,000 | 6,364 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $317,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,952 |
| Cash dividends | $296,000 | 4,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $317,970 | 6,348 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,313,000 | 7,776 |
| Total interest expense | $414,000 | 7,921 |
| Net interest income | $899,000 | 7,552 |
| Provision for loan and lease losses | $14,000 | 6,059 |
| Total noninterest income | $202,000 | 6,283 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $142,000 | 5,040 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $60,000 | 6,545 |
| Total noninterest expense | $786,000 | 7,557 |
| Salaries and employee benefits | $378,000 | 7,772 |
| Premises and equipment expense | $118,000 | 7,158 |
| Additional noninterest expense | $290,000 | 7,103 |
| Pre-tax net operating income | $301,000 | 6,563 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $9,000 | 5,755 |
| Income before extraordinary items | $292,000 | 6,357 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $292,000 | 6,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,266 |
| Cash dividends | $296,000 | 3,682 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $292,000 | 6,350 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $860,000 | 7,847 |
| Total interest expense | $265,000 | 8,002 |
| Net interest income | $595,000 | 7,612 |
| Provision for loan and lease losses | $9,000 | 5,815 |
| Total noninterest income | $135,000 | 6,308 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $91,000 | 5,130 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $44,000 | 6,471 |
| Total noninterest expense | $535,000 | 7,583 |
| Salaries and employee benefits | $257,000 | 7,796 |
| Premises and equipment expense | $77,000 | 7,223 |
| Additional noninterest expense | $201,000 | 7,056 |
| Pre-tax net operating income | $186,000 | 6,726 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $5,000 | 5,893 |
| Income before extraordinary items | $181,000 | 6,517 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $181,000 | 6,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,692 |
| Cash dividends | $160,000 | 3,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $181,000 | 6,510 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $422,000 | 7,924 |
| Total interest expense | $127,000 | 8,074 |
| Net interest income | $295,000 | 7,663 |
| Provision for loan and lease losses | $5,000 | 5,396 |
| Total noninterest income | $62,000 | 6,469 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $44,000 | 5,130 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $249,000 | 7,729 |
| Salaries and employee benefits | $120,000 | 7,930 |
| Premises and equipment expense | $39,000 | 7,229 |
| Additional noninterest expense | $90,000 | 7,277 |
| Pre-tax net operating income | $103,000 | 6,622 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,000 | 5,948 |
| Income before extraordinary items | $101,000 | 6,385 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $101,000 | 6,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,481 |
| Cash dividends | $160,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $101,000 | 6,367 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,565,000 | 7,885 |
| Total interest expense | $416,000 | 8,063 |
| Net interest income | $1,149,000 | 7,644 |
| Provision for loan and lease losses | $-21,000 | 8,340 |
| Total noninterest income | $239,000 | 6,608 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $187,000 | 5,121 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $52,000 | 7,209 |
| Total noninterest expense | $1,047,000 | 7,634 |
| Salaries and employee benefits | $522,000 | 7,815 |
| Premises and equipment expense | $156,000 | 7,180 |
| Additional noninterest expense | $369,000 | 7,214 |
| Pre-tax net operating income | $362,000 | 6,903 |
| Securities gains (losses) | $-8,000 | 7,211 |
| Applicable income taxes | $16,000 | 5,999 |
| Income before extraordinary items | $338,000 | 6,753 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $338,000 | 6,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,587 |
| Cash dividends | $272,000 | 4,602 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $345,600 | 6,730 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,155,000 | 7,958 |
| Total interest expense | $295,000 | 8,154 |
| Net interest income | $860,000 | 7,728 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $197,000 | 6,487 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $141,000 | 5,167 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $56,000 | 6,781 |
| Total noninterest expense | $747,000 | 7,717 |
| Salaries and employee benefits | $377,000 | 7,860 |
| Premises and equipment expense | $116,000 | 7,224 |
| Additional noninterest expense | $254,000 | 7,388 |
| Pre-tax net operating income | $310,000 | 6,961 |
| Securities gains (losses) | $-7,000 | 7,492 |
| Applicable income taxes | $13,000 | 6,132 |
| Income before extraordinary items | $290,000 | 6,767 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $290,000 | 6,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $272,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $296,720 | 6,739 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $759,000 | 8,000 |
| Total interest expense | $185,000 | 8,202 |
| Net interest income | $574,000 | 7,776 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $128,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $88,000 | 5,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 6,712 |
| Total noninterest expense | $495,000 | 7,756 |
| Salaries and employee benefits | $255,000 | 7,873 |
| Premises and equipment expense | $72,000 | 7,368 |
| Additional noninterest expense | $168,000 | 7,420 |
| Pre-tax net operating income | $207,000 | 7,046 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $9,000 | 6,166 |
| Income before extraordinary items | $194,000 | 6,798 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $194,000 | 6,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $144,000 | 4,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $197,840 | 6,784 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $376,000 | 8,014 |
| Total interest expense | $88,000 | 8,235 |
| Net interest income | $288,000 | 7,783 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $62,000 | 6,574 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $43,000 | 5,250 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $230,000 | 7,879 |
| Salaries and employee benefits | $118,000 | 8,005 |
| Premises and equipment expense | $35,000 | 7,427 |
| Additional noninterest expense | $77,000 | 7,578 |
| Pre-tax net operating income | $120,000 | 6,794 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $115,000 | 6,488 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $115,000 | 6,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $144,000 | 2,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $115,000 | 6,490 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 7,990 |
| Total interest expense | $311,000 | 8,156 |
| Net interest income | $1,089,000 | 7,824 |
| Provision for loan and lease losses | $3,000 | 7,042 |
| Total noninterest income | $323,000 | 6,183 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $184,000 | 5,211 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $139,000 | 5,858 |
| Total noninterest expense | $1,064,000 | 7,635 |
| Salaries and employee benefits | $592,000 | 7,649 |
| Premises and equipment expense | $161,000 | 7,152 |
| Additional noninterest expense | $311,000 | 7,586 |
| Pre-tax net operating income | $345,000 | 7,248 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $11,000 | 6,510 |
| Income before extraordinary items | $330,000 | 7,048 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $330,000 | 7,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,564 |
| Cash dividends | $232,000 | 4,754 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $333,880 | 7,020 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,038,000 | 8,029 |
| Total interest expense | $223,000 | 8,200 |
| Net interest income | $815,000 | 7,876 |
| Provision for loan and lease losses | $4,000 | 6,766 |
| Total noninterest income | $201,000 | 6,581 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $139,000 | 5,232 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,714 |
| Total noninterest expense | $774,000 | 7,676 |
| Salaries and employee benefits | $446,000 | 7,609 |
| Premises and equipment expense | $114,000 | 7,262 |
| Additional noninterest expense | $214,000 | 7,733 |
| Pre-tax net operating income | $238,000 | 7,487 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $8,000 | 6,588 |
| Income before extraordinary items | $226,000 | 7,311 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $226,000 | 7,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,107 |
| Cash dividends | $232,000 | 3,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $229,880 | 7,268 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $679,000 | 8,054 |
| Total interest expense | $142,000 | 8,213 |
| Net interest income | $537,000 | 7,902 |
| Provision for loan and lease losses | $2,000 | 6,551 |
| Total noninterest income | $134,000 | 6,557 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $92,000 | 5,209 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $42,000 | 6,689 |
| Total noninterest expense | $491,000 | 7,767 |
| Salaries and employee benefits | $278,000 | 7,723 |
| Premises and equipment expense | $74,000 | 7,300 |
| Additional noninterest expense | $139,000 | 7,760 |
| Pre-tax net operating income | $178,000 | 7,351 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,000 | 6,523 |
| Income before extraordinary items | $171,000 | 7,155 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $171,000 | 7,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $136,000 | 3,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $171,000 | 7,122 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $338,000 | 8,118 |
| Total interest expense | $68,000 | 8,289 |
| Net interest income | $270,000 | 7,965 |
| Provision for loan and lease losses | $2,000 | 6,096 |
| Total noninterest income | $64,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $47,000 | 5,132 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $240,000 | 7,869 |
| Salaries and employee benefits | $138,000 | 7,801 |
| Premises and equipment expense | $38,000 | 7,311 |
| Additional noninterest expense | $64,000 | 7,941 |
| Pre-tax net operating income | $92,000 | 7,341 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $5,000 | 6,381 |
| Income before extraordinary items | $91,000 | 7,045 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $91,000 | 7,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $136,000 | 2,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $87,200 | 7,078 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 8,026 |
| Total interest expense | $271,000 | 8,212 |
| Net interest income | $1,115,000 | 7,867 |
| Provision for loan and lease losses | $5,000 | 7,179 |
| Total noninterest income | $296,000 | 6,433 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $210,000 | 5,122 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $86,000 | 6,660 |
| Total noninterest expense | $1,101,000 | 7,616 |
| Salaries and employee benefits | $608,000 | 7,632 |
| Premises and equipment expense | $154,000 | 7,278 |
| Additional noninterest expense | $339,000 | 7,472 |
| Pre-tax net operating income | $305,000 | 7,420 |
| Securities gains (losses) | $31,000 | 2,094 |
| Applicable income taxes | $9,000 | 6,781 |
| Income before extraordinary items | $327,000 | 7,118 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $327,000 | 7,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,277 |
| Cash dividends | $232,000 | 4,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $296,930 | 7,191 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,051,000 | 8,054 |
| Total interest expense | $206,000 | 8,230 |
| Net interest income | $845,000 | 7,878 |
| Provision for loan and lease losses | $3,000 | 7,022 |
| Total noninterest income | $222,000 | 6,484 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $157,000 | 5,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $65,000 | 6,663 |
| Total noninterest expense | $765,000 | 7,747 |
| Salaries and employee benefits | $436,000 | 7,684 |
| Premises and equipment expense | $109,000 | 7,352 |
| Additional noninterest expense | $220,000 | 7,744 |
| Pre-tax net operating income | $299,000 | 7,219 |
| Securities gains (losses) | $40,000 | 1,826 |
| Applicable income taxes | $9,000 | 6,807 |
| Income before extraordinary items | $330,000 | 6,726 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $330,000 | 6,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $232,000 | 3,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $291,200 | 6,883 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $693,000 | 8,123 |
| Total interest expense | $139,000 | 8,276 |
| Net interest income | $554,000 | 7,951 |
| Provision for loan and lease losses | $3,000 | 6,762 |
| Total noninterest income | $147,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $99,000 | 5,285 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 6,492 |
| Total noninterest expense | $501,000 | 7,824 |
| Salaries and employee benefits | $280,000 | 7,818 |
| Premises and equipment expense | $76,000 | 7,324 |
| Additional noninterest expense | $145,000 | 7,795 |
| Pre-tax net operating income | $197,000 | 7,210 |
| Securities gains (losses) | $41,000 | 1,579 |
| Applicable income taxes | $5,000 | 6,869 |
| Income before extraordinary items | $233,000 | 6,600 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $233,000 | 6,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,683 |
| Cash dividends | $120,000 | 4,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $192,820 | 6,901 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $348,000 | 8,146 |
| Total interest expense | $71,000 | 8,324 |
| Net interest income | $277,000 | 7,984 |
| Provision for loan and lease losses | $1,000 | 6,438 |
| Total noninterest income | $69,000 | 6,593 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $48,000 | 5,292 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $21,000 | 6,731 |
| Total noninterest expense | $258,000 | 7,811 |
| Salaries and employee benefits | $148,000 | 7,732 |
| Premises and equipment expense | $36,000 | 7,453 |
| Additional noninterest expense | $74,000 | 7,797 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $33,000 | 1,437 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $120,000 | 6,518 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $120,000 | 6,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $120,000 | 2,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $87,000 | 7,024 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,418,000 | 8,153 |
| Total interest expense | $358,000 | 8,257 |
| Net interest income | $1,060,000 | 8,020 |
| Provision for loan and lease losses | $49,000 | 6,327 |
| Total noninterest income | $228,000 | 7,112 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $152,000 | 5,836 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $76,000 | 6,964 |
| Total noninterest expense | $989,000 | 7,910 |
| Salaries and employee benefits | $542,000 | 7,930 |
| Premises and equipment expense | $147,000 | 7,439 |
| Additional noninterest expense | $300,000 | 7,754 |
| Pre-tax net operating income | $250,000 | 7,639 |
| Securities gains (losses) | $23,000 | 3,134 |
| Applicable income taxes | $15,000 | 6,905 |
| Income before extraordinary items | $258,000 | 7,480 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $258,000 | 7,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,094 |
| Cash dividends | $240,000 | 4,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $236,150 | 7,457 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,062,000 | 8,240 |
| Total interest expense | $284,000 | 8,314 |
| Net interest income | $778,000 | 8,119 |
| Provision for loan and lease losses | $37,000 | 6,206 |
| Total noninterest income | $162,000 | 7,257 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $103,000 | 6,070 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $59,000 | 6,984 |
| Total noninterest expense | $734,000 | 7,916 |
| Salaries and employee benefits | $407,000 | 7,901 |
| Premises and equipment expense | $105,000 | 7,546 |
| Additional noninterest expense | $222,000 | 7,799 |
| Pre-tax net operating income | $169,000 | 7,879 |
| Securities gains (losses) | $18,000 | 3,018 |
| Applicable income taxes | $10,000 | 7,078 |
| Income before extraordinary items | $177,000 | 7,738 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $177,000 | 7,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,592 |
| Cash dividends | $240,000 | 3,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $159,900 | 7,692 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $722,000 | 8,264 |
| Total interest expense | $198,000 | 8,348 |
| Net interest income | $524,000 | 8,147 |
| Provision for loan and lease losses | $29,000 | 5,996 |
| Total noninterest income | $104,000 | 7,327 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $62,000 | 6,251 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $42,000 | 6,875 |
| Total noninterest expense | $475,000 | 8,001 |
| Salaries and employee benefits | $259,000 | 8,018 |
| Premises and equipment expense | $69,000 | 7,580 |
| Additional noninterest expense | $147,000 | 7,817 |
| Pre-tax net operating income | $124,000 | 7,816 |
| Securities gains (losses) | $19,000 | 2,643 |
| Applicable income taxes | $7,000 | 7,084 |
| Income before extraordinary items | $136,000 | 7,595 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $136,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $144,000 | 3,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $117,950 | 7,603 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $368,000 | 8,303 |
| Total interest expense | $104,000 | 8,377 |
| Net interest income | $264,000 | 8,165 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $41,000 | 7,709 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $28,000 | 6,375 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $13,000 | 7,569 |
| Total noninterest expense | $228,000 | 8,110 |
| Salaries and employee benefits | $137,000 | 7,938 |
| Premises and equipment expense | $36,000 | 7,540 |
| Additional noninterest expense | $55,000 | 8,353 |
| Pre-tax net operating income | $57,000 | 7,887 |
| Securities gains (losses) | $10,000 | 2,181 |
| Applicable income taxes | $4,000 | 6,977 |
| Income before extraordinary items | $63,000 | 7,631 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $63,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $104,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $53,600 | 7,676 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,465,000 | 8,422 |
| Total interest expense | $531,000 | 8,296 |
| Net interest income | $934,000 | 8,368 |
| Provision for loan and lease losses | $63,000 | 6,416 |
| Total noninterest income | $193,000 | 7,386 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $118,000 | 6,284 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $75,000 | 6,976 |
| Total noninterest expense | $888,000 | 8,176 |
| Salaries and employee benefits | $524,000 | 8,044 |
| Premises and equipment expense | $186,000 | 6,955 |
| Additional noninterest expense | $178,000 | 8,695 |
| Pre-tax net operating income | $176,000 | 8,017 |
| Securities gains (losses) | $36,000 | 2,681 |
| Applicable income taxes | $11,000 | 7,271 |
| Income before extraordinary items | $201,000 | 7,839 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $201,000 | 7,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,185 |
| Cash dividends | $184,000 | 4,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $166,800 | 7,907 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,705,000 | 8,523 |
| Total interest expense | $815,000 | 8,401 |
| Net interest income | $890,000 | 8,495 |
| Provision for loan and lease losses | $9,000 | 7,982 |
| Total noninterest income | $225,000 | 7,065 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $137,000 | 5,988 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $88,000 | 6,699 |
| Total noninterest expense | $884,000 | 8,246 |
| Salaries and employee benefits | $506,000 | 8,148 |
| Premises and equipment expense | $159,000 | 7,382 |
| Additional noninterest expense | $219,000 | 8,515 |
| Pre-tax net operating income | $222,000 | 7,777 |
| Securities gains (losses) | $3,000 | 4,114 |
| Applicable income taxes | $12,000 | 7,523 |
| Income before extraordinary items | $213,000 | 7,635 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $213,000 | 7,639 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $210,150 | 7,531 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,773,000 | 8,663 |
| Total interest expense | $857,000 | 8,521 |
| Net interest income | $916,000 | 8,655 |
| Provision for loan and lease losses | $64,000 | 6,118 |
| Total noninterest income | $206,000 | 7,214 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 5,901 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $65,000 | 7,328 |
| Total noninterest expense | $842,000 | 8,444 |
| Salaries and employee benefits | $490,000 | 8,301 |
| Premises and equipment expense | $140,000 | 7,750 |
| Additional noninterest expense | $212,000 | 8,676 |
| Pre-tax net operating income | $216,000 | 8,301 |
| Securities gains (losses) | $-9,000 | 8,282 |
| Applicable income taxes | $4,000 | 8,229 |
| Income before extraordinary items | $203,000 | 8,045 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $203,000 | 8,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,316 |
| Cash dividends | $164,000 | 5,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $211,820 | 8,006 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,689,000 | 8,843 |
| Total interest expense | $818,000 | 8,640 |
| Net interest income | $871,000 | 8,916 |
| Provision for loan and lease losses | $88,000 | 5,519 |
| Total noninterest income | $183,000 | 7,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 6,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,990 |
| Total noninterest expense | $797,000 | 8,738 |
| Salaries and employee benefits | $466,000 | 8,527 |
| Premises and equipment expense | $127,000 | 8,090 |
| Additional noninterest expense | $204,000 | 8,983 |
| Pre-tax net operating income | $169,000 | 8,723 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $169,000 | 8,517 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $169,000 | 8,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $176,000 | 5,427 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 959 |
| Net operating income | $169,000 | 8,482 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,681,000 | 9,075 |
| Total interest expense | $804,000 | 8,929 |
| Net interest income | $877,000 | 9,077 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $175,000 | 7,888 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 6,563 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,800 |
| Total noninterest expense | $790,000 | 8,804 |
| Salaries and employee benefits | $464,000 | 8,581 |
| Premises and equipment expense | $143,000 | 7,816 |
| Additional noninterest expense | $183,000 | 9,304 |
| Pre-tax net operating income | $262,000 | 8,598 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $36,000 | 8,594 |
| Income before extraordinary items | $226,000 | 8,422 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $226,000 | 8,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,204 |
| Cash dividends | $160,000 | 5,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $226,000 | 8,347 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 9,443 |
| Total interest expense | $807,000 | 9,236 |
| Net interest income | $878,000 | 9,478 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $169,000 | 8,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $119,000 | 6,786 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 8,438 |
| Total noninterest expense | $792,000 | 9,065 |
| Salaries and employee benefits | $465,000 | 8,854 |
| Premises and equipment expense | $154,000 | 7,716 |
| Additional noninterest expense | $173,000 | 9,747 |
| Pre-tax net operating income | $255,000 | 9,261 |
| Securities gains (losses) | $-6,000 | 9,765 |
| Applicable income taxes | $77,000 | 8,789 |
| Income before extraordinary items | $172,000 | 9,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $172,000 | 9,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $128,000 | 6,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $176,140 | 9,316 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,636,000 | 9,923 |
| Total interest expense | $758,000 | 9,774 |
| Net interest income | $878,000 | 9,891 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $175,000 | 8,605 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 8,929 |
| Total noninterest expense | $756,000 | 9,604 |
| Salaries and employee benefits | $452,000 | 9,237 |
| Premises and equipment expense | $143,000 | 8,222 |
| Additional noninterest expense | $161,000 | 10,425 |
| Pre-tax net operating income | $277,000 | 9,280 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $89,000 | 8,953 |
| Income before extraordinary items | $190,000 | 9,393 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $190,000 | 9,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $128,000 | 6,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $188,640 | 9,356 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,592,000 | 10,362 |
| Total interest expense | $693,000 | 10,334 |
| Net interest income | $899,000 | 10,244 |
| Provision for loan and lease losses | $50,000 | 6,165 |
| Total noninterest income | $174,000 | 8,894 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,185 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $48,000 | 9,325 |
| Total noninterest expense | $739,000 | 10,037 |
| Salaries and employee benefits | $438,000 | 9,631 |
| Premises and equipment expense | $118,000 | 9,102 |
| Additional noninterest expense | $183,000 | 10,646 |
| Pre-tax net operating income | $284,000 | 9,868 |
| Securities gains (losses) | $-14,000 | 10,322 |
| Applicable income taxes | $88,000 | 9,430 |
| Income before extraordinary items | $182,000 | 10,143 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $182,000 | 10,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,677 |
| Cash dividends | $128,000 | 6,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $191,380 | 10,000 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 10,902 |
| Total interest expense | $571,000 | 10,736 |
| Net interest income | $842,000 | 10,913 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $181,000 | 9,083 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,460 |
| Total noninterest expense | $703,000 | 10,690 |
| Salaries and employee benefits | $409,000 | 10,210 |
| Premises and equipment expense | $102,000 | 9,964 |
| Additional noninterest expense | $192,000 | 11,243 |
| Pre-tax net operating income | $295,000 | 10,171 |
| Securities gains (losses) | $-28,000 | 10,602 |
| Applicable income taxes | $89,000 | 9,599 |
| Income before extraordinary items | $178,000 | 10,518 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $178,000 | 10,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,370 |
| Cash dividends | $128,000 | 6,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $196,760 | 10,361 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 11,474 |
| Total interest expense | $588,000 | 11,208 |
| Net interest income | $801,000 | 11,502 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $196,000 | 9,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 7,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,462 |
| Total noninterest expense | $724,000 | 11,050 |
| Salaries and employee benefits | $427,000 | 10,359 |
| Premises and equipment expense | $101,000 | 10,412 |
| Additional noninterest expense | $196,000 | 11,788 |
| Pre-tax net operating income | $228,000 | 10,802 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $69,000 | 10,505 |
| Income before extraordinary items | $159,000 | 11,091 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $159,000 | 11,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 6,769 |
| Cash dividends | $128,000 | 6,409 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $159,000 | 10,889 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,531,000 | 11,884 |
| Total interest expense | $755,000 | 11,547 |
| Net interest income | $776,000 | 12,006 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $196,000 | 9,494 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 7,190 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 10,461 |
| Total noninterest expense | $694,000 | 11,548 |
| Salaries and employee benefits | $414,000 | 10,690 |
| Premises and equipment expense | $98,000 | 10,802 |
| Additional noninterest expense | $182,000 | 12,493 |
| Pre-tax net operating income | $278,000 | 10,352 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $92,000 | 10,116 |
| Income before extraordinary items | $186,000 | 10,792 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $186,000 | 10,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 8,662 |
| Cash dividends | $128,000 | 6,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $186,000 | 10,453 |
* 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.