Home > Tower Bank & Trust Company > Income and Expense
Tower Bank & Trust Company, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $5,594,000 | 1,145 |
| Total interest expense | $548,000 | 1,383 |
| Net interest income | $5,046,000 | 1,110 |
| Provision for loan and lease losses | $-875,000 | 6,660 |
| Total noninterest income | $2,393,000 | 634 |
| Gross Fiduciary activities income | $867,000 | 249 |
| Service charges on deposit accounts | $302,000 | 1,072 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $1,224,000 | 715 |
| Total noninterest expense | $4,593,000 | 1,110 |
| Salaries and employee benefits | $2,362,000 | 1,160 |
| Premises and equipment expense | $500,000 | 1,236 |
| Additional noninterest expense | $1,731,000 | 929 |
| Pre-tax net operating income | $3,721,000 | 555 |
| Securities gains (losses) | $-23,000 | 6,521 |
| Applicable income taxes | $830,000 | 649 |
| Income before extraordinary items | $2,868,000 | 557 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,868,000 | 557 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $2,868,000 | 558 |
| Net charge-offs | $-278,000 | 6,632 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $2,885,940 | 548 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $23,425,000 | 1,086 |
| Total interest expense | $2,479,000 | 1,372 |
| Net interest income | $20,946,000 | 1,052 |
| Provision for loan and lease losses | $-1,975,000 | 6,727 |
| Total noninterest income | $9,723,000 | 685 |
| Gross Fiduciary activities income | $3,572,000 | 234 |
| Service charges on deposit accounts | $1,107,000 | 1,230 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,044,000 | 794 |
| Total noninterest expense | $21,163,000 | 967 |
| Salaries and employee benefits | $12,172,000 | 887 |
| Premises and equipment expense | $2,015,000 | 1,185 |
| Additional noninterest expense | $6,976,000 | 970 |
| Pre-tax net operating income | $11,481,000 | 690 |
| Securities gains (losses) | $1,200,000 | 197 |
| Applicable income taxes | $3,715,000 | 579 |
| Income before extraordinary items | $8,966,000 | 717 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,966,000 | 718 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $8,966,000 | 718 |
| Net charge-offs | $599,000 | 1,817 |
| Cash dividends | $3,432,000 | 787 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $8,114,000 | 761 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $17,524,000 | 1,090 |
| Total interest expense | $1,883,000 | 1,397 |
| Net interest income | $15,641,000 | 1,058 |
| Provision for loan and lease losses | $-825,000 | 6,768 |
| Total noninterest income | $7,395,000 | 692 |
| Gross Fiduciary activities income | $2,612,000 | 233 |
| Service charges on deposit accounts | $836,000 | 1,228 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $3,947,000 | 789 |
| Total noninterest expense | $15,574,000 | 985 |
| Salaries and employee benefits | $8,892,000 | 908 |
| Premises and equipment expense | $1,519,000 | 1,189 |
| Additional noninterest expense | $5,163,000 | 981 |
| Pre-tax net operating income | $8,287,000 | 722 |
| Securities gains (losses) | $441,000 | 458 |
| Applicable income taxes | $2,485,000 | 628 |
| Income before extraordinary items | $6,243,000 | 774 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $6,243,000 | 775 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $6,243,000 | 776 |
| Net charge-offs | $656,000 | 1,344 |
| Cash dividends | $3,058,000 | 633 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,925,480 | 789 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $11,712,000 | 1,082 |
| Total interest expense | $1,286,000 | 1,389 |
| Net interest income | $10,426,000 | 1,049 |
| Provision for loan and lease losses | $25,000 | 4,134 |
| Total noninterest income | $4,803,000 | 717 |
| Gross Fiduciary activities income | $1,763,000 | 233 |
| Service charges on deposit accounts | $553,000 | 1,213 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,487,000 | 843 |
| Total noninterest expense | $10,237,000 | 990 |
| Salaries and employee benefits | $5,776,000 | 933 |
| Premises and equipment expense | $1,025,000 | 1,176 |
| Additional noninterest expense | $3,436,000 | 974 |
| Pre-tax net operating income | $4,967,000 | 774 |
| Securities gains (losses) | $441,000 | 415 |
| Applicable income taxes | $1,534,000 | 655 |
| Income before extraordinary items | $3,874,000 | 802 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $3,874,000 | 802 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $3,874,000 | 804 |
| Net charge-offs | $522,000 | 1,230 |
| Cash dividends | $1,517,000 | 779 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $3,556,480 | 844 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $5,792,000 | 1,108 |
| Total interest expense | $640,000 | 1,446 |
| Net interest income | $5,152,000 | 1,062 |
| Provision for loan and lease losses | $-275,000 | 6,923 |
| Total noninterest income | $2,417,000 | 711 |
| Gross Fiduciary activities income | $880,000 | 234 |
| Service charges on deposit accounts | $286,000 | 1,171 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,251,000 | 839 |
| Total noninterest expense | $5,187,000 | 983 |
| Salaries and employee benefits | $2,891,000 | 948 |
| Premises and equipment expense | $519,000 | 1,180 |
| Additional noninterest expense | $1,777,000 | 951 |
| Pre-tax net operating income | $2,657,000 | 726 |
| Securities gains (losses) | $408,000 | 252 |
| Applicable income taxes | $921,000 | 576 |
| Income before extraordinary items | $2,144,000 | 731 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $2,144,000 | 731 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $2,144,000 | 732 |
| Net charge-offs | $350,000 | 959 |
| Cash dividends | $1,190,000 | 467 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $1,858,400 | 786 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $25,970,000 | 1,016 |
| Total interest expense | $3,319,000 | 1,342 |
| Net interest income | $22,651,000 | 963 |
| Provision for loan and lease losses | $2,493,000 | 892 |
| Total noninterest income | $8,708,000 | 753 |
| Gross Fiduciary activities income | $3,224,000 | 229 |
| Service charges on deposit accounts | $1,090,000 | 1,313 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $4,394,000 | 899 |
| Total noninterest expense | $20,589,000 | 973 |
| Salaries and employee benefits | $11,086,000 | 938 |
| Premises and equipment expense | $2,117,000 | 1,119 |
| Additional noninterest expense | $7,386,000 | 944 |
| Pre-tax net operating income | $8,277,000 | 863 |
| Securities gains (losses) | $148,000 | 1,963 |
| Applicable income taxes | $1,859,000 | 931 |
| Income before extraordinary items | $6,566,000 | 918 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $6,566,000 | 917 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $6,566,000 | 918 |
| Net charge-offs | $3,612,000 | 745 |
| Cash dividends | $5,735,000 | 509 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $6,450,560 | 867 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $19,733,000 | 1,016 |
| Total interest expense | $2,634,000 | 1,337 |
| Net interest income | $17,099,000 | 965 |
| Provision for loan and lease losses | $2,293,000 | 765 |
| Total noninterest income | $6,513,000 | 759 |
| Gross Fiduciary activities income | $2,381,000 | 230 |
| Service charges on deposit accounts | $828,000 | 1,297 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $3,304,000 | 872 |
| Total noninterest expense | $15,068,000 | 996 |
| Salaries and employee benefits | $8,311,000 | 941 |
| Premises and equipment expense | $1,551,000 | 1,148 |
| Additional noninterest expense | $5,206,000 | 1,001 |
| Pre-tax net operating income | $6,251,000 | 888 |
| Securities gains (losses) | $76,000 | 2,182 |
| Applicable income taxes | $1,799,000 | 781 |
| Income before extraordinary items | $4,528,000 | 1,024 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,528,000 | 1,024 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $4,528,000 | 1,024 |
| Net charge-offs | $3,162,000 | 655 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $4,473,280 | 973 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $13,274,000 | 1,014 |
| Total interest expense | $1,879,000 | 1,295 |
| Net interest income | $11,395,000 | 970 |
| Provision for loan and lease losses | $1,675,000 | 739 |
| Total noninterest income | $4,226,000 | 765 |
| Gross Fiduciary activities income | $1,553,000 | 234 |
| Service charges on deposit accounts | $570,000 | 1,243 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,103,000 | 883 |
| Total noninterest expense | $10,074,000 | 990 |
| Salaries and employee benefits | $5,502,000 | 949 |
| Premises and equipment expense | $1,026,000 | 1,155 |
| Additional noninterest expense | $3,546,000 | 979 |
| Pre-tax net operating income | $3,872,000 | 934 |
| Securities gains (losses) | $67,000 | 1,859 |
| Applicable income taxes | $1,103,000 | 828 |
| Income before extraordinary items | $2,836,000 | 1,062 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,836,000 | 1,062 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,836,000 | 1,062 |
| Net charge-offs | $2,051,000 | 676 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $2,787,760 | 1,015 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $6,651,000 | 1,024 |
| Total interest expense | $1,061,000 | 1,201 |
| Net interest income | $5,590,000 | 986 |
| Provision for loan and lease losses | $750,000 | 765 |
| Total noninterest income | $2,048,000 | 772 |
| Gross Fiduciary activities income | $777,000 | 237 |
| Service charges on deposit accounts | $293,000 | 1,200 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $978,000 | 918 |
| Total noninterest expense | $5,138,000 | 967 |
| Salaries and employee benefits | $2,719,000 | 955 |
| Premises and equipment expense | $516,000 | 1,163 |
| Additional noninterest expense | $1,903,000 | 895 |
| Pre-tax net operating income | $1,750,000 | 1,011 |
| Securities gains (losses) | $35,000 | 1,381 |
| Applicable income taxes | $480,000 | 923 |
| Income before extraordinary items | $1,305,000 | 1,135 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,305,000 | 1,135 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,305,000 | 1,135 |
| Net charge-offs | $1,050,000 | 650 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $1,279,450 | 1,092 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $28,894,000 | 964 |
| Total interest expense | $5,322,000 | 1,129 |
| Net interest income | $23,572,000 | 930 |
| Provision for loan and lease losses | $4,220,000 | 908 |
| Total noninterest income | $7,750,000 | 747 |
| Gross Fiduciary activities income | $2,958,000 | 201 |
| Service charges on deposit accounts | $1,092,000 | 1,362 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $3,700,000 | 885 |
| Total noninterest expense | $21,136,000 | 934 |
| Salaries and employee benefits | $10,820,000 | 906 |
| Premises and equipment expense | $1,969,000 | 1,274 |
| Additional noninterest expense | $8,347,000 | 854 |
| Pre-tax net operating income | $5,966,000 | 1,006 |
| Securities gains (losses) | $628,000 | 670 |
| Applicable income taxes | $-500,000 | 7,059 |
| Income before extraordinary items | $7,094,000 | 719 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,094,000 | 719 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $7,094,000 | 719 |
| Net charge-offs | $7,301,000 | 590 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $6,466,000 | 745 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $21,853,000 | 969 |
| Total interest expense | $4,200,000 | 1,124 |
| Net interest income | $17,653,000 | 942 |
| Provision for loan and lease losses | $3,245,000 | 877 |
| Total noninterest income | $5,615,000 | 771 |
| Gross Fiduciary activities income | $2,127,000 | 210 |
| Service charges on deposit accounts | $813,000 | 1,375 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,675,000 | 907 |
| Total noninterest expense | $15,430,000 | 958 |
| Salaries and employee benefits | $7,786,000 | 949 |
| Premises and equipment expense | $1,464,000 | 1,297 |
| Additional noninterest expense | $6,180,000 | 865 |
| Pre-tax net operating income | $4,593,000 | 1,014 |
| Securities gains (losses) | $628,000 | 539 |
| Applicable income taxes | $1,285,000 | 894 |
| Income before extraordinary items | $3,936,000 | 983 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,936,000 | 980 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $3,936,000 | 983 |
| Net charge-offs | $5,669,000 | 571 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $3,465,000 | 1,047 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $14,611,000 | 979 |
| Total interest expense | $2,847,000 | 1,141 |
| Net interest income | $11,764,000 | 938 |
| Provision for loan and lease losses | $2,345,000 | 825 |
| Total noninterest income | $3,498,000 | 810 |
| Gross Fiduciary activities income | $1,469,000 | 209 |
| Service charges on deposit accounts | $551,000 | 1,320 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,478,000 | 1,027 |
| Total noninterest expense | $10,123,000 | 986 |
| Salaries and employee benefits | $5,113,000 | 964 |
| Premises and equipment expense | $979,000 | 1,302 |
| Additional noninterest expense | $4,031,000 | 900 |
| Pre-tax net operating income | $2,794,000 | 1,070 |
| Securities gains (losses) | $319,000 | 529 |
| Applicable income taxes | $739,000 | 975 |
| Income before extraordinary items | $2,374,000 | 1,045 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,374,000 | 1,042 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $2,374,000 | 1,045 |
| Net charge-offs | $2,817,000 | 728 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $2,131,560 | 1,128 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $7,276,000 | 993 |
| Total interest expense | $1,434,000 | 1,169 |
| Net interest income | $5,842,000 | 950 |
| Provision for loan and lease losses | $1,220,000 | 742 |
| Total noninterest income | $1,817,000 | 789 |
| Gross Fiduciary activities income | $780,000 | 204 |
| Service charges on deposit accounts | $291,000 | 1,215 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $746,000 | 1,028 |
| Total noninterest expense | $5,009,000 | 993 |
| Salaries and employee benefits | $2,488,000 | 1,003 |
| Premises and equipment expense | $498,000 | 1,313 |
| Additional noninterest expense | $2,023,000 | 887 |
| Pre-tax net operating income | $1,430,000 | 1,051 |
| Securities gains (losses) | $-66,000 | 7,365 |
| Applicable income taxes | $326,000 | 1,040 |
| Income before extraordinary items | $1,038,000 | 1,181 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,038,000 | 1,181 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,038,000 | 1,181 |
| Net charge-offs | $1,801,000 | 580 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,088,160 | 1,103 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $30,453,000 | 1,005 |
| Total interest expense | $7,033,000 | 1,166 |
| Net interest income | $23,420,000 | 942 |
| Provision for loan and lease losses | $4,745,000 | 1,197 |
| Total noninterest income | $7,227,000 | 815 |
| Gross Fiduciary activities income | $3,040,000 | 200 |
| Service charges on deposit accounts | $1,126,000 | 1,352 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,061,000 | 1,052 |
| Total noninterest expense | $20,994,000 | 952 |
| Salaries and employee benefits | $9,255,000 | 1,066 |
| Premises and equipment expense | $2,028,000 | 1,280 |
| Additional noninterest expense | $9,711,000 | 772 |
| Pre-tax net operating income | $4,908,000 | 1,050 |
| Securities gains (losses) | $63,000 | 2,510 |
| Applicable income taxes | $1,223,000 | 1,050 |
| Income before extraordinary items | $3,748,000 | 1,161 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,748,000 | 1,162 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $3,748,000 | 1,163 |
| Net charge-offs | $3,854,000 | 1,246 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $3,700,750 | 1,123 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $23,065,000 | 1,010 |
| Total interest expense | $5,462,000 | 1,175 |
| Net interest income | $17,603,000 | 944 |
| Provision for loan and lease losses | $3,940,000 | 1,055 |
| Total noninterest income | $5,342,000 | 800 |
| Gross Fiduciary activities income | $2,283,000 | 198 |
| Service charges on deposit accounts | $845,000 | 1,393 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,214,000 | 1,031 |
| Total noninterest expense | $15,721,000 | 939 |
| Salaries and employee benefits | $6,843,000 | 1,080 |
| Premises and equipment expense | $1,515,000 | 1,306 |
| Additional noninterest expense | $7,363,000 | 741 |
| Pre-tax net operating income | $3,284,000 | 1,205 |
| Securities gains (losses) | $16,000 | 2,975 |
| Applicable income taxes | $751,000 | 1,265 |
| Income before extraordinary items | $2,549,000 | 1,303 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,549,000 | 1,307 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,549,000 | 1,307 |
| Net charge-offs | $3,522,000 | 1,007 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $2,536,680 | 1,270 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $15,524,000 | 1,016 |
| Total interest expense | $3,800,000 | 1,177 |
| Net interest income | $11,724,000 | 953 |
| Provision for loan and lease losses | $2,440,000 | 1,097 |
| Total noninterest income | $3,514,000 | 798 |
| Gross Fiduciary activities income | $1,519,000 | 199 |
| Service charges on deposit accounts | $570,000 | 1,379 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,425,000 | 1,011 |
| Total noninterest expense | $10,451,000 | 949 |
| Salaries and employee benefits | $4,523,000 | 1,086 |
| Premises and equipment expense | $1,070,000 | 1,238 |
| Additional noninterest expense | $4,858,000 | 744 |
| Pre-tax net operating income | $2,347,000 | 1,133 |
| Securities gains (losses) | $18,000 | 2,397 |
| Applicable income taxes | $562,000 | 1,107 |
| Income before extraordinary items | $1,803,000 | 1,236 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,803,000 | 1,237 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,803,000 | 1,237 |
| Net charge-offs | $1,320,000 | 1,485 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,789,320 | 1,200 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $7,773,000 | 1,033 |
| Total interest expense | $1,930,000 | 1,212 |
| Net interest income | $5,843,000 | 961 |
| Provision for loan and lease losses | $1,340,000 | 959 |
| Total noninterest income | $1,728,000 | 796 |
| Gross Fiduciary activities income | $749,000 | 207 |
| Service charges on deposit accounts | $290,000 | 1,354 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $689,000 | 1,025 |
| Total noninterest expense | $4,878,000 | 1,017 |
| Salaries and employee benefits | $2,318,000 | 1,061 |
| Premises and equipment expense | $530,000 | 1,295 |
| Additional noninterest expense | $2,030,000 | 882 |
| Pre-tax net operating income | $1,353,000 | 989 |
| Securities gains (losses) | $-10,000 | 7,504 |
| Applicable income taxes | $340,000 | 945 |
| Income before extraordinary items | $1,003,000 | 1,090 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,003,000 | 1,091 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,003,000 | 1,092 |
| Net charge-offs | $788,000 | 1,215 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $1,010,500 | 1,050 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $31,984,000 | 1,070 |
| Total interest expense | $11,121,000 | 1,064 |
| Net interest income | $20,863,000 | 1,050 |
| Provision for loan and lease losses | $10,735,000 | 818 |
| Total noninterest income | $3,581,000 | 1,416 |
| Gross Fiduciary activities income | $257,000 | 697 |
| Service charges on deposit accounts | $1,121,000 | 1,512 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,203,000 | 1,282 |
| Total noninterest expense | $19,319,000 | 1,080 |
| Salaries and employee benefits | $7,995,000 | 1,230 |
| Premises and equipment expense | $2,474,000 | 1,106 |
| Additional noninterest expense | $8,850,000 | 893 |
| Pre-tax net operating income | $-5,610,000 | 7,235 |
| Securities gains (losses) | $-488,000 | 7,586 |
| Applicable income taxes | $-1,702,000 | 7,472 |
| Income before extraordinary items | $-4,396,000 | 7,203 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-4,396,000 | 7,202 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-4,396,000 | 7,202 |
| Net charge-offs | $9,792,000 | 699 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-4,044,640 | 7,162 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $24,005,000 | 1,095 |
| Total interest expense | $8,787,000 | 1,060 |
| Net interest income | $15,218,000 | 1,079 |
| Provision for loan and lease losses | $9,505,000 | 647 |
| Total noninterest income | $2,622,000 | 1,465 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $827,000 | 1,541 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,795,000 | 1,238 |
| Total noninterest expense | $14,533,000 | 1,058 |
| Salaries and employee benefits | $6,074,000 | 1,233 |
| Premises and equipment expense | $1,864,000 | 1,109 |
| Additional noninterest expense | $6,595,000 | 855 |
| Pre-tax net operating income | $-6,198,000 | 7,573 |
| Securities gains (losses) | $-316,000 | 7,667 |
| Applicable income taxes | $-2,669,000 | 7,785 |
| Income before extraordinary items | $-3,845,000 | 7,470 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,845,000 | 7,470 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,845,000 | 7,470 |
| Net charge-offs | $5,255,000 | 787 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,642,760 | 7,458 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $15,996,000 | 1,118 |
| Total interest expense | $6,117,000 | 1,084 |
| Net interest income | $9,879,000 | 1,116 |
| Provision for loan and lease losses | $7,510,000 | 557 |
| Total noninterest income | $1,656,000 | 1,534 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $541,000 | 1,544 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,115,000 | 1,329 |
| Total noninterest expense | $9,798,000 | 1,069 |
| Salaries and employee benefits | $4,025,000 | 1,263 |
| Premises and equipment expense | $1,201,000 | 1,174 |
| Additional noninterest expense | $4,572,000 | 836 |
| Pre-tax net operating income | $-5,773,000 | 7,778 |
| Securities gains (losses) | $195,000 | 1,032 |
| Applicable income taxes | $-2,301,000 | 7,925 |
| Income before extraordinary items | $-3,277,000 | 7,655 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,277,000 | 7,654 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,277,000 | 7,654 |
| Net charge-offs | $4,060,000 | 674 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,401,800 | 7,676 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,893,000 | 1,143 |
| Total interest expense | $3,095,000 | 1,111 |
| Net interest income | $4,798,000 | 1,150 |
| Provision for loan and lease losses | $960,000 | 1,225 |
| Total noninterest income | $744,000 | 1,631 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $258,000 | 1,574 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $486,000 | 1,424 |
| Total noninterest expense | $4,100,000 | 1,224 |
| Salaries and employee benefits | $2,038,000 | 1,267 |
| Premises and equipment expense | $613,000 | 1,175 |
| Additional noninterest expense | $1,449,000 | 1,152 |
| Pre-tax net operating income | $482,000 | 2,449 |
| Securities gains (losses) | $191,000 | 693 |
| Applicable income taxes | $46,000 | 2,957 |
| Income before extraordinary items | $627,000 | 1,720 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $627,000 | 1,721 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $627,000 | 1,722 |
| Net charge-offs | $117,000 | 2,696 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $449,370 | 2,200 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $37,686,000 | 1,003 |
| Total interest expense | $15,692,000 | 1,025 |
| Net interest income | $21,994,000 | 976 |
| Provision for loan and lease losses | $4,399,000 | 1,100 |
| Total noninterest income | $2,998,000 | 1,571 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,204,000 | 1,484 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,794,000 | 1,404 |
| Total noninterest expense | $17,901,000 | 1,101 |
| Salaries and employee benefits | $9,039,000 | 1,092 |
| Premises and equipment expense | $2,673,000 | 1,044 |
| Additional noninterest expense | $6,189,000 | 1,037 |
| Pre-tax net operating income | $2,692,000 | 1,973 |
| Securities gains (losses) | $64,000 | 1,439 |
| Applicable income taxes | $300,000 | 2,399 |
| Income before extraordinary items | $2,456,000 | 1,640 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,456,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,953,000 | 1,311 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,399,040 | 1,785 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $28,856,000 | 1,004 |
| Total interest expense | $12,291,000 | 1,019 |
| Net interest income | $16,565,000 | 982 |
| Provision for loan and lease losses | $3,174,000 | 871 |
| Total noninterest income | $2,199,000 | 1,658 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $923,000 | 1,464 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,276,000 | 1,518 |
| Total noninterest expense | $13,635,000 | 1,077 |
| Salaries and employee benefits | $7,052,000 | 1,079 |
| Premises and equipment expense | $1,994,000 | 1,054 |
| Additional noninterest expense | $4,589,000 | 1,000 |
| Pre-tax net operating income | $1,955,000 | 2,345 |
| Securities gains (losses) | $66,000 | 1,242 |
| Applicable income taxes | $219,000 | 2,809 |
| Income before extraordinary items | $1,802,000 | 1,952 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,802,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,104,000 | 803 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,743,260 | 2,116 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,557,000 | 1,002 |
| Total interest expense | $8,676,000 | 998 |
| Net interest income | $10,881,000 | 991 |
| Provision for loan and lease losses | $1,175,000 | 1,114 |
| Total noninterest income | $1,408,000 | 1,730 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $635,000 | 1,406 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $773,000 | 1,670 |
| Total noninterest expense | $9,329,000 | 1,050 |
| Salaries and employee benefits | $4,859,000 | 1,060 |
| Premises and equipment expense | $1,343,000 | 1,037 |
| Additional noninterest expense | $3,127,000 | 948 |
| Pre-tax net operating income | $1,785,000 | 1,875 |
| Securities gains (losses) | $60,000 | 1,307 |
| Applicable income taxes | $359,000 | 1,993 |
| Income before extraordinary items | $1,486,000 | 1,820 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,486,000 | 1,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $514,000 | 1,289 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,437,400 | 1,841 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $10,266,000 | 972 |
| Total interest expense | $4,937,000 | 923 |
| Net interest income | $5,329,000 | 1,010 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $704,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $321,000 | 1,363 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $383,000 | 1,681 |
| Total noninterest expense | $4,625,000 | 1,056 |
| Salaries and employee benefits | $2,450,000 | 1,055 |
| Premises and equipment expense | $682,000 | 1,021 |
| Additional noninterest expense | $1,493,000 | 973 |
| Pre-tax net operating income | $1,108,000 | 1,626 |
| Securities gains (losses) | $60,000 | 983 |
| Applicable income taxes | $303,000 | 1,465 |
| Income before extraordinary items | $865,000 | 1,708 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $865,000 | 1,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-417,000 | 8,481 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $820,600 | 1,709 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $46,900,000 | 895 |
| Total interest expense | $24,362,000 | 813 |
| Net interest income | $22,538,000 | 978 |
| Provision for loan and lease losses | $10,996,000 | 236 |
| Total noninterest income | $2,602,000 | 1,819 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $977,000 | 1,800 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,625,000 | 1,585 |
| Total noninterest expense | $17,475,000 | 1,073 |
| Salaries and employee benefits | $9,534,000 | 1,049 |
| Premises and equipment expense | $2,551,000 | 1,041 |
| Additional noninterest expense | $5,390,000 | 1,045 |
| Pre-tax net operating income | $-3,331,000 | 8,390 |
| Securities gains (losses) | $-3,000 | 7,272 |
| Applicable income taxes | $-1,445,000 | 8,439 |
| Income before extraordinary items | $-1,889,000 | 8,304 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,889,000 | 8,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,658,000 | 181 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-1,887,080 | 8,293 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $35,450,000 | 889 |
| Total interest expense | $18,378,000 | 797 |
| Net interest income | $17,072,000 | 970 |
| Provision for loan and lease losses | $8,171,000 | 180 |
| Total noninterest income | $2,071,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $721,000 | 1,805 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,350,000 | 1,480 |
| Total noninterest expense | $13,164,000 | 1,055 |
| Salaries and employee benefits | $6,962,000 | 1,077 |
| Premises and equipment expense | $1,896,000 | 1,042 |
| Additional noninterest expense | $4,306,000 | 953 |
| Pre-tax net operating income | $-2,192,000 | 8,454 |
| Securities gains (losses) | $-43,000 | 8,142 |
| Applicable income taxes | $-860,000 | 8,485 |
| Income before extraordinary items | $-1,375,000 | 8,396 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-1,375,000 | 8,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,861,000 | 140 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-1,347,480 | 8,384 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $23,374,000 | 907 |
| Total interest expense | $12,042,000 | 819 |
| Net interest income | $11,332,000 | 990 |
| Provision for loan and lease losses | $2,925,000 | 248 |
| Total noninterest income | $1,365,000 | 1,787 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $486,000 | 1,792 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $879,000 | 1,528 |
| Total noninterest expense | $8,956,000 | 1,053 |
| Salaries and employee benefits | $4,882,000 | 1,042 |
| Premises and equipment expense | $1,262,000 | 1,050 |
| Additional noninterest expense | $2,812,000 | 991 |
| Pre-tax net operating income | $816,000 | 3,976 |
| Securities gains (losses) | $-2,000 | 7,706 |
| Applicable income taxes | $110,000 | 4,019 |
| Income before extraordinary items | $704,000 | 3,803 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $704,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,619,000 | 226 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $705,720 | 3,785 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,318,000 | 931 |
| Total interest expense | $5,826,000 | 840 |
| Net interest income | $5,492,000 | 1,018 |
| Provision for loan and lease losses | $1,425,000 | 225 |
| Total noninterest income | $646,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $266,000 | 1,614 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $380,000 | 1,649 |
| Total noninterest expense | $4,398,000 | 1,070 |
| Salaries and employee benefits | $2,436,000 | 1,053 |
| Premises and equipment expense | $628,000 | 1,061 |
| Additional noninterest expense | $1,334,000 | 1,030 |
| Pre-tax net operating income | $315,000 | 4,545 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $23,000 | 4,835 |
| Income before extraordinary items | $292,000 | 4,232 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $292,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $632,000 | 349 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $292,000 | 4,210 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $40,949,000 | 954 |
| Total interest expense | $19,977,000 | 841 |
| Net interest income | $20,972,000 | 1,058 |
| Provision for loan and lease losses | $2,195,000 | 518 |
| Total noninterest income | $5,164,000 | 1,067 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $725,000 | 2,302 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,439,000 | 741 |
| Total noninterest expense | $15,519,000 | 1,158 |
| Salaries and employee benefits | $9,156,000 | 1,056 |
| Premises and equipment expense | $2,107,000 | 1,217 |
| Additional noninterest expense | $4,256,000 | 1,258 |
| Pre-tax net operating income | $8,422,000 | 1,171 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,579,000 | 1,580 |
| Income before extraordinary items | $6,843,000 | 1,088 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,843,000 | 1,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $970,000 | 708 |
| Cash dividends | $3,189,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,843,000 | 1,073 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $29,686,000 | 991 |
| Total interest expense | $14,219,000 | 865 |
| Net interest income | $15,467,000 | 1,096 |
| Provision for loan and lease losses | $1,695,000 | 475 |
| Total noninterest income | $4,547,000 | 946 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $496,000 | 2,498 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,051,000 | 647 |
| Total noninterest expense | $10,991,000 | 1,241 |
| Salaries and employee benefits | $6,362,000 | 1,162 |
| Premises and equipment expense | $1,524,000 | 1,279 |
| Additional noninterest expense | $3,105,000 | 1,292 |
| Pre-tax net operating income | $7,328,000 | 1,044 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,350,000 | 1,506 |
| Income before extraordinary items | $5,978,000 | 966 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,978,000 | 965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $760,000 | 572 |
| Cash dividends | $3,189,000 | 791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,978,000 | 952 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $18,811,000 | 1,020 |
| Total interest expense | $8,705,000 | 886 |
| Net interest income | $10,106,000 | 1,116 |
| Provision for loan and lease losses | $1,050,000 | 487 |
| Total noninterest income | $4,020,000 | 753 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $321,000 | 2,531 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,699,000 | 522 |
| Total noninterest expense | $7,173,000 | 1,270 |
| Salaries and employee benefits | $4,156,000 | 1,194 |
| Premises and equipment expense | $979,000 | 1,327 |
| Additional noninterest expense | $2,038,000 | 1,312 |
| Pre-tax net operating income | $5,903,000 | 880 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $912,000 | 1,504 |
| Income before extraordinary items | $4,991,000 | 781 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,991,000 | 781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $522,000 | 539 |
| Cash dividends | $3,189,000 | 546 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,991,000 | 768 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $8,904,000 | 1,047 |
| Total interest expense | $3,946,000 | 924 |
| Net interest income | $4,958,000 | 1,134 |
| Provision for loan and lease losses | $575,000 | 427 |
| Total noninterest income | $3,566,000 | 497 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $179,000 | 2,233 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,387,000 | 353 |
| Total noninterest expense | $3,448,000 | 1,322 |
| Salaries and employee benefits | $2,046,000 | 1,213 |
| Premises and equipment expense | $478,000 | 1,359 |
| Additional noninterest expense | $924,000 | 1,423 |
| Pre-tax net operating income | $4,501,000 | 595 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $508,000 | 1,384 |
| Income before extraordinary items | $3,993,000 | 516 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,993,000 | 515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 708 |
| Cash dividends | $3,189,000 | 298 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $3,993,000 | 507 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $29,055,000 | 1,135 |
| Total interest expense | $11,132,000 | 1,002 |
| Net interest income | $17,923,000 | 1,203 |
| Provision for loan and lease losses | $2,392,000 | 451 |
| Total noninterest income | $4,210,000 | 1,228 |
| Gross Fiduciary activities income | $2,028,000 | 269 |
| Service charges on deposit accounts | $760,000 | 2,205 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,422,000 | 1,734 |
| Total noninterest expense | $13,772,000 | 1,250 |
| Salaries and employee benefits | $8,310,000 | 1,115 |
| Premises and equipment expense | $1,825,000 | 1,349 |
| Additional noninterest expense | $3,637,000 | 1,409 |
| Pre-tax net operating income | $5,969,000 | 1,589 |
| Securities gains (losses) | $-34,000 | 8,043 |
| Applicable income taxes | $2,096,000 | 1,310 |
| Income before extraordinary items | $3,839,000 | 1,798 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,839,000 | 1,796 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,355,000 | 342 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,861,100 | 1,764 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,677,000 | 1,171 |
| Total interest expense | $7,644,000 | 1,032 |
| Net interest income | $13,033,000 | 1,240 |
| Provision for loan and lease losses | $1,717,000 | 443 |
| Total noninterest income | $3,078,000 | 1,262 |
| Gross Fiduciary activities income | $1,505,000 | 265 |
| Service charges on deposit accounts | $550,000 | 2,257 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,023,000 | 1,790 |
| Total noninterest expense | $10,061,000 | 1,267 |
| Salaries and employee benefits | $6,061,000 | 1,135 |
| Premises and equipment expense | $1,344,000 | 1,359 |
| Additional noninterest expense | $2,656,000 | 1,429 |
| Pre-tax net operating income | $4,333,000 | 1,643 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,536,000 | 1,359 |
| Income before extraordinary items | $2,797,000 | 1,873 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,797,000 | 1,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,495,000 | 374 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,797,000 | 1,834 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,085,000 | 1,197 |
| Total interest expense | $4,586,000 | 1,088 |
| Net interest income | $8,499,000 | 1,255 |
| Provision for loan and lease losses | $1,117,000 | 451 |
| Total noninterest income | $1,921,000 | 1,311 |
| Gross Fiduciary activities income | $993,000 | 267 |
| Service charges on deposit accounts | $317,000 | 2,512 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $611,000 | 1,906 |
| Total noninterest expense | $6,540,000 | 1,299 |
| Salaries and employee benefits | $3,934,000 | 1,155 |
| Premises and equipment expense | $897,000 | 1,343 |
| Additional noninterest expense | $1,709,000 | 1,465 |
| Pre-tax net operating income | $2,763,000 | 1,675 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $988,000 | 1,388 |
| Income before extraordinary items | $1,775,000 | 1,921 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,775,000 | 1,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $798,000 | 431 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,775,000 | 1,886 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,224,000 | 1,233 |
| Total interest expense | $2,111,000 | 1,111 |
| Net interest income | $4,113,000 | 1,297 |
| Provision for loan and lease losses | $581,000 | 413 |
| Total noninterest income | $917,000 | 1,341 |
| Gross Fiduciary activities income | $478,000 | 271 |
| Service charges on deposit accounts | $148,000 | 2,585 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $291,000 | 1,922 |
| Total noninterest expense | $3,161,000 | 1,352 |
| Salaries and employee benefits | $1,898,000 | 1,212 |
| Premises and equipment expense | $435,000 | 1,394 |
| Additional noninterest expense | $828,000 | 1,502 |
| Pre-tax net operating income | $1,288,000 | 1,764 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $455,000 | 1,453 |
| Income before extraordinary items | $833,000 | 2,017 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $833,000 | 2,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $464,000 | 367 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $833,000 | 1,980 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,965,000 | 1,358 |
| Total interest expense | $6,324,000 | 1,306 |
| Net interest income | $14,641,000 | 1,378 |
| Provision for loan and lease losses | $2,360,000 | 473 |
| Total noninterest income | $4,113,000 | 1,248 |
| Gross Fiduciary activities income | $1,670,000 | 287 |
| Service charges on deposit accounts | $620,000 | 2,632 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,823,000 | 1,415 |
| Total noninterest expense | $11,921,000 | 1,377 |
| Salaries and employee benefits | $6,792,000 | 1,292 |
| Premises and equipment expense | $1,621,000 | 1,417 |
| Additional noninterest expense | $3,508,000 | 1,412 |
| Pre-tax net operating income | $4,473,000 | 1,863 |
| Securities gains (losses) | $154,000 | 970 |
| Applicable income taxes | $1,665,000 | 1,484 |
| Income before extraordinary items | $2,962,000 | 2,099 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,962,000 | 2,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,011,000 | 456 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,863,440 | 2,124 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,053,000 | 1,410 |
| Total interest expense | $4,576,000 | 1,316 |
| Net interest income | $10,477,000 | 1,430 |
| Provision for loan and lease losses | $1,465,000 | 539 |
| Total noninterest income | $2,435,000 | 1,512 |
| Gross Fiduciary activities income | $1,248,000 | 290 |
| Service charges on deposit accounts | $454,000 | 2,696 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $733,000 | 2,204 |
| Total noninterest expense | $8,624,000 | 1,418 |
| Salaries and employee benefits | $4,793,000 | 1,379 |
| Premises and equipment expense | $1,178,000 | 1,465 |
| Additional noninterest expense | $2,653,000 | 1,389 |
| Pre-tax net operating income | $2,823,000 | 2,174 |
| Securities gains (losses) | $18,000 | 2,374 |
| Applicable income taxes | $1,006,000 | 1,771 |
| Income before extraordinary items | $1,835,000 | 2,523 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,835,000 | 2,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,017,000 | 562 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,823,300 | 2,465 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,654,000 | 1,471 |
| Total interest expense | $2,932,000 | 1,351 |
| Net interest income | $6,722,000 | 1,484 |
| Provision for loan and lease losses | $810,000 | 630 |
| Total noninterest income | $1,600,000 | 1,524 |
| Gross Fiduciary activities income | $818,000 | 295 |
| Service charges on deposit accounts | $306,000 | 2,672 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $476,000 | 2,268 |
| Total noninterest expense | $5,761,000 | 1,408 |
| Salaries and employee benefits | $3,195,000 | 1,370 |
| Premises and equipment expense | $749,000 | 1,549 |
| Additional noninterest expense | $1,817,000 | 1,334 |
| Pre-tax net operating income | $1,751,000 | 2,287 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $624,000 | 1,872 |
| Income before extraordinary items | $1,130,000 | 2,653 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,130,000 | 2,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $888,000 | 470 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,128,080 | 2,586 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,749,000 | 1,493 |
| Total interest expense | $1,399,000 | 1,429 |
| Net interest income | $3,350,000 | 1,484 |
| Provision for loan and lease losses | $500,000 | 518 |
| Total noninterest income | $787,000 | 1,522 |
| Gross Fiduciary activities income | $407,000 | 294 |
| Service charges on deposit accounts | $158,000 | 2,563 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $222,000 | 2,301 |
| Total noninterest expense | $2,728,000 | 1,495 |
| Salaries and employee benefits | $1,513,000 | 1,462 |
| Premises and equipment expense | $337,000 | 1,727 |
| Additional noninterest expense | $878,000 | 1,379 |
| Pre-tax net operating income | $906,000 | 2,182 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $333,000 | 1,788 |
| Income before extraordinary items | $576,000 | 2,600 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $576,000 | 2,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 506 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $574,080 | 2,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,825,000 | 1,609 |
| Total interest expense | $5,733,000 | 1,560 |
| Net interest income | $12,092,000 | 1,606 |
| Provision for loan and lease losses | $2,185,000 | 609 |
| Total noninterest income | $3,441,000 | 1,512 |
| Gross Fiduciary activities income | $1,402,000 | 322 |
| Service charges on deposit accounts | $636,000 | 2,584 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,403,000 | 1,911 |
| Total noninterest expense | $10,089,000 | 1,591 |
| Salaries and employee benefits | $5,453,000 | 1,583 |
| Premises and equipment expense | $1,237,000 | 1,851 |
| Additional noninterest expense | $3,399,000 | 1,442 |
| Pre-tax net operating income | $3,259,000 | 2,337 |
| Securities gains (losses) | $191,000 | 1,372 |
| Applicable income taxes | $1,299,000 | 1,824 |
| Income before extraordinary items | $2,151,000 | 2,711 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,151,000 | 2,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,672,000 | 628 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,028,760 | 2,708 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,208,000 | 1,651 |
| Total interest expense | $4,356,000 | 1,614 |
| Net interest income | $8,852,000 | 1,660 |
| Provision for loan and lease losses | $1,835,000 | 555 |
| Total noninterest income | $2,697,000 | 1,501 |
| Gross Fiduciary activities income | $1,031,000 | 331 |
| Service charges on deposit accounts | $473,000 | 2,604 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,193,000 | 1,819 |
| Total noninterest expense | $7,503,000 | 1,619 |
| Salaries and employee benefits | $4,090,000 | 1,585 |
| Premises and equipment expense | $910,000 | 1,880 |
| Additional noninterest expense | $2,503,000 | 1,474 |
| Pre-tax net operating income | $2,211,000 | 2,632 |
| Securities gains (losses) | $191,000 | 1,258 |
| Applicable income taxes | $901,000 | 2,017 |
| Income before extraordinary items | $1,501,000 | 2,964 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,501,000 | 2,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $952,000 | 722 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,378,760 | 3,006 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,714,000 | 1,688 |
| Total interest expense | $2,980,000 | 1,625 |
| Net interest income | $5,734,000 | 1,699 |
| Provision for loan and lease losses | $1,535,000 | 471 |
| Total noninterest income | $1,777,000 | 1,501 |
| Gross Fiduciary activities income | $693,000 | 334 |
| Service charges on deposit accounts | $309,000 | 2,583 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $775,000 | 1,829 |
| Total noninterest expense | $4,904,000 | 1,639 |
| Salaries and employee benefits | $2,573,000 | 1,671 |
| Premises and equipment expense | $606,000 | 1,884 |
| Additional noninterest expense | $1,725,000 | 1,433 |
| Pre-tax net operating income | $1,072,000 | 3,349 |
| Securities gains (losses) | $191,000 | 1,074 |
| Applicable income taxes | $472,000 | 2,403 |
| Income before extraordinary items | $791,000 | 3,540 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $791,000 | 3,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $767,000 | 617 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $668,760 | 3,816 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,277,000 | 1,726 |
| Total interest expense | $1,477,000 | 1,691 |
| Net interest income | $2,800,000 | 1,732 |
| Provision for loan and lease losses | $845,000 | 433 |
| Total noninterest income | $844,000 | 1,519 |
| Gross Fiduciary activities income | $356,000 | 334 |
| Service charges on deposit accounts | $149,000 | 2,595 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $339,000 | 1,938 |
| Total noninterest expense | $2,569,000 | 1,554 |
| Salaries and employee benefits | $1,272,000 | 1,678 |
| Premises and equipment expense | $304,000 | 1,879 |
| Additional noninterest expense | $993,000 | 1,233 |
| Pre-tax net operating income | $230,000 | 5,498 |
| Securities gains (losses) | $191,000 | 676 |
| Applicable income taxes | $153,000 | 3,192 |
| Income before extraordinary items | $268,000 | 4,545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $268,000 | 4,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $512,000 | 493 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $145,760 | 5,906 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,494,000 | 1,868 |
| Total interest expense | $6,127,000 | 1,864 |
| Net interest income | $10,367,000 | 1,881 |
| Provision for loan and lease losses | $1,765,000 | 826 |
| Total noninterest income | $2,954,000 | 1,581 |
| Gross Fiduciary activities income | $1,085,000 | 391 |
| Service charges on deposit accounts | $417,000 | 3,428 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,452,000 | 1,686 |
| Total noninterest expense | $8,285,000 | 1,827 |
| Salaries and employee benefits | $5,033,000 | 1,607 |
| Premises and equipment expense | $1,044,000 | 2,097 |
| Additional noninterest expense | $2,208,000 | 2,097 |
| Pre-tax net operating income | $3,271,000 | 2,328 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,287,000 | 1,857 |
| Income before extraordinary items | $1,984,000 | 2,817 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,984,000 | 2,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 1,661 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,984,000 | 2,738 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,874,000 | 2,172 |
| Total interest expense | $8,062,000 | 2,005 |
| Net interest income | $7,812,000 | 2,290 |
| Provision for loan and lease losses | $1,120,000 | 1,149 |
| Total noninterest income | $1,785,000 | 2,208 |
| Gross Fiduciary activities income | $798,000 | 464 |
| Service charges on deposit accounts | $249,000 | 4,653 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $738,000 | 2,503 |
| Total noninterest expense | $6,461,000 | 2,220 |
| Salaries and employee benefits | $3,892,000 | 1,931 |
| Premises and equipment expense | $825,000 | 2,553 |
| Additional noninterest expense | $1,744,000 | 2,546 |
| Pre-tax net operating income | $2,016,000 | 3,157 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $800,000 | 2,422 |
| Income before extraordinary items | $1,216,000 | 3,768 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,216,000 | 3,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,216,000 | 3,654 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,558,000 | 2,784 |
| Total interest expense | $7,047,000 | 2,398 |
| Net interest income | $5,511,000 | 3,195 |
| Provision for loan and lease losses | $1,355,000 | 831 |
| Total noninterest income | $1,028,000 | 3,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 6,874 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $943,000 | 1,935 |
| Total noninterest expense | $4,728,000 | 2,864 |
| Salaries and employee benefits | $3,078,000 | 2,325 |
| Premises and equipment expense | $636,000 | 3,113 |
| Additional noninterest expense | $1,014,000 | 3,955 |
| Pre-tax net operating income | $456,000 | 7,212 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-588,000 | 9,801 |
| Income before extraordinary items | $1,044,000 | 4,250 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,044,000 | 4,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 255 |
| Net operating income | $1,044,000 | 4,262 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,319,000 | 7,027 |
| Total interest expense | $1,394,000 | 7,201 |
| Net interest income | $1,925,000 | 6,778 |
| Provision for loan and lease losses | $1,010,000 | 963 |
| Total noninterest income | $287,000 | 6,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,591 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,248 |
| Total noninterest expense | $2,741,000 | 4,545 |
| Salaries and employee benefits | $1,602,000 | 4,123 |
| Premises and equipment expense | $174,000 | 7,248 |
| Additional noninterest expense | $965,000 | 4,142 |
| Pre-tax net operating income | $-1,539,000 | 10,137 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-1,539,000 | 10,136 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,539,000 | 10,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $15,000,000 | 44 |
| Net operating income | $-1,539,000 | 10,128 |
* 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.