Home > United Commerce Bank > Income and Expense
United Commerce Bank, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $3,723,000 | 4,122 |
| Total interest expense | $259,000 | 5,255 |
| Net interest income | $3,464,000 | 3,921 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $456,000 | 4,180 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $99,000 | 4,835 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $357,000 | 3,485 |
| Total noninterest expense | $3,573,000 | 3,541 |
| Salaries and employee benefits | $1,948,000 | 3,468 |
| Premises and equipment expense | $318,000 | 4,133 |
| Additional noninterest expense | $1,307,000 | 3,286 |
| Pre-tax net operating income | $347,000 | 5,186 |
| Securities gains (losses) | $3,000 | 2,773 |
| Applicable income taxes | $173,000 | 2,913 |
| Income before extraordinary items | $177,000 | 5,723 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $177,000 | 5,724 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $177,000 | 5,724 |
| Net charge-offs | $-19,000 | 6,256 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $175,080 | 5,666 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,565,000 | 4,055 |
| Total interest expense | $181,000 | 5,233 |
| Net interest income | $2,384,000 | 3,832 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $281,000 | 4,329 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $67,000 | 4,796 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $214,000 | 3,692 |
| Total noninterest expense | $2,078,000 | 3,870 |
| Salaries and employee benefits | $1,094,000 | 3,900 |
| Premises and equipment expense | $215,000 | 4,132 |
| Additional noninterest expense | $769,000 | 3,596 |
| Pre-tax net operating income | $587,000 | 3,859 |
| Securities gains (losses) | $3,000 | 2,553 |
| Applicable income taxes | $217,000 | 2,350 |
| Income before extraordinary items | $373,000 | 4,442 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $373,000 | 4,444 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $373,000 | 4,445 |
| Net charge-offs | $14,000 | 4,186 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $371,080 | 4,345 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,284,000 | 4,086 |
| Total interest expense | $99,000 | 5,164 |
| Net interest income | $1,185,000 | 3,866 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $129,000 | 4,436 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $32,000 | 4,852 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $97,000 | 3,800 |
| Total noninterest expense | $1,054,000 | 3,873 |
| Salaries and employee benefits | $552,000 | 3,918 |
| Premises and equipment expense | $110,000 | 4,105 |
| Additional noninterest expense | $392,000 | 3,559 |
| Pre-tax net operating income | $260,000 | 4,061 |
| Securities gains (losses) | $3,000 | 1,729 |
| Applicable income taxes | $101,000 | 2,391 |
| Income before extraordinary items | $162,000 | 4,623 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $162,000 | 4,624 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $162,000 | 4,625 |
| Net charge-offs | $-16,000 | 6,369 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $160,080 | 4,540 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $6,237,000 | 3,731 |
| Total interest expense | $1,091,000 | 3,409 |
| Net interest income | $5,146,000 | 3,744 |
| Provision for loan and lease losses | $600,000 | 2,443 |
| Total noninterest income | $734,000 | 3,805 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $141,000 | 4,877 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $593,000 | 3,118 |
| Total noninterest expense | $4,111,000 | 3,959 |
| Salaries and employee benefits | $2,167,000 | 3,938 |
| Premises and equipment expense | $436,000 | 4,137 |
| Additional noninterest expense | $1,508,000 | 3,774 |
| Pre-tax net operating income | $1,169,000 | 3,768 |
| Securities gains (losses) | $117,000 | 2,150 |
| Applicable income taxes | $468,000 | 2,257 |
| Income before extraordinary items | $818,000 | 4,241 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $818,000 | 4,240 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $818,000 | 4,242 |
| Net charge-offs | $2,208,000 | 1,080 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $743,120 | 4,209 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $4,791,000 | 3,748 |
| Total interest expense | $894,000 | 3,323 |
| Net interest income | $3,897,000 | 3,773 |
| Provision for loan and lease losses | $450,000 | 2,400 |
| Total noninterest income | $501,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $106,000 | 4,944 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $395,000 | 3,287 |
| Total noninterest expense | $3,161,000 | 3,913 |
| Salaries and employee benefits | $1,599,000 | 3,982 |
| Premises and equipment expense | $335,000 | 4,133 |
| Additional noninterest expense | $1,227,000 | 3,593 |
| Pre-tax net operating income | $787,000 | 4,061 |
| Securities gains (losses) | $117,000 | 1,860 |
| Applicable income taxes | $314,000 | 2,417 |
| Income before extraordinary items | $590,000 | 4,400 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $590,000 | 4,399 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $590,000 | 4,398 |
| Net charge-offs | $297,000 | 2,842 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $513,950 | 4,431 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,318,000 | 3,676 |
| Total interest expense | $633,000 | 3,286 |
| Net interest income | $2,685,000 | 3,705 |
| Provision for loan and lease losses | $300,000 | 2,388 |
| Total noninterest income | $303,000 | 4,190 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $71,000 | 4,950 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $232,000 | 3,458 |
| Total noninterest expense | $2,110,000 | 3,931 |
| Salaries and employee benefits | $1,062,000 | 4,023 |
| Premises and equipment expense | $222,000 | 4,158 |
| Additional noninterest expense | $826,000 | 3,587 |
| Pre-tax net operating income | $578,000 | 3,859 |
| Securities gains (losses) | $67,000 | 1,859 |
| Applicable income taxes | $224,000 | 2,340 |
| Income before extraordinary items | $421,000 | 4,289 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $421,000 | 4,293 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $421,000 | 4,292 |
| Net charge-offs | $-37,000 | 6,927 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $377,450 | 4,273 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,702,000 | 3,646 |
| Total interest expense | $334,000 | 3,269 |
| Net interest income | $1,368,000 | 3,682 |
| Provision for loan and lease losses | $300,000 | 1,500 |
| Total noninterest income | $141,000 | 4,349 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $34,000 | 5,018 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $107,000 | 3,599 |
| Total noninterest expense | $1,077,000 | 3,893 |
| Salaries and employee benefits | $550,000 | 3,953 |
| Premises and equipment expense | $111,000 | 4,168 |
| Additional noninterest expense | $416,000 | 3,546 |
| Pre-tax net operating income | $132,000 | 5,100 |
| Securities gains (losses) | $49,000 | 1,234 |
| Applicable income taxes | $69,000 | 2,777 |
| Income before extraordinary items | $112,000 | 5,234 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $112,000 | 5,235 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $112,000 | 5,235 |
| Net charge-offs | $175,000 | 1,961 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $80,640 | 5,455 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,911,000 | 3,354 |
| Total interest expense | $1,997,000 | 2,784 |
| Net interest income | $5,914,000 | 3,495 |
| Provision for loan and lease losses | $4,265,000 | 902 |
| Total noninterest income | $631,000 | 3,972 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $140,000 | 5,013 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $491,000 | 3,155 |
| Total noninterest expense | $4,659,000 | 3,715 |
| Salaries and employee benefits | $2,356,000 | 3,732 |
| Premises and equipment expense | $460,000 | 4,256 |
| Additional noninterest expense | $1,843,000 | 3,357 |
| Pre-tax net operating income | $-2,379,000 | 6,844 |
| Securities gains (losses) | $205,000 | 1,433 |
| Applicable income taxes | $-889,000 | 7,151 |
| Income before extraordinary items | $-1,285,000 | 6,719 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,285,000 | 6,719 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-1,285,000 | 6,719 |
| Net charge-offs | $3,316,000 | 1,112 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,416,200 | 6,710 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,060,000 | 3,339 |
| Total interest expense | $1,604,000 | 2,721 |
| Net interest income | $4,456,000 | 3,507 |
| Provision for loan and lease losses | $2,250,000 | 1,142 |
| Total noninterest income | $426,000 | 4,193 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $102,000 | 5,089 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $324,000 | 3,361 |
| Total noninterest expense | $3,631,000 | 3,634 |
| Salaries and employee benefits | $1,824,000 | 3,636 |
| Premises and equipment expense | $356,000 | 4,215 |
| Additional noninterest expense | $1,451,000 | 3,238 |
| Pre-tax net operating income | $-999,000 | 6,797 |
| Securities gains (losses) | $136,000 | 1,506 |
| Applicable income taxes | $-331,000 | 7,152 |
| Income before extraordinary items | $-532,000 | 6,702 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-532,000 | 6,703 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-532,000 | 6,703 |
| Net charge-offs | $710,000 | 2,274 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-619,040 | 6,697 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,069,000 | 3,344 |
| Total interest expense | $1,108,000 | 2,734 |
| Net interest income | $2,961,000 | 3,510 |
| Provision for loan and lease losses | $1,950,000 | 928 |
| Total noninterest income | $196,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $58,000 | 5,319 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $138,000 | 4,088 |
| Total noninterest expense | $2,366,000 | 3,727 |
| Salaries and employee benefits | $1,246,000 | 3,593 |
| Premises and equipment expense | $246,000 | 4,157 |
| Additional noninterest expense | $874,000 | 3,528 |
| Pre-tax net operating income | $-1,159,000 | 7,023 |
| Securities gains (losses) | $74,000 | 1,338 |
| Applicable income taxes | $-419,000 | 7,309 |
| Income before extraordinary items | $-666,000 | 6,911 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-666,000 | 6,910 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-666,000 | 6,911 |
| Net charge-offs | $690,000 | 1,813 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-713,360 | 6,919 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,064,000 | 3,317 |
| Total interest expense | $559,000 | 2,794 |
| Net interest income | $1,505,000 | 3,457 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $57,000 | 5,797 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $25,000 | 5,503 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $32,000 | 5,306 |
| Total noninterest expense | $1,170,000 | 3,766 |
| Salaries and employee benefits | $635,000 | 3,567 |
| Premises and equipment expense | $114,000 | 4,406 |
| Additional noninterest expense | $421,000 | 3,609 |
| Pre-tax net operating income | $92,000 | 5,232 |
| Securities gains (losses) | $31,000 | 940 |
| Applicable income taxes | $31,000 | 3,162 |
| Income before extraordinary items | $92,000 | 5,129 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $92,000 | 5,127 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $92,000 | 5,129 |
| Net charge-offs | $369,000 | 1,585 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $68,750 | 5,403 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,886,000 | 3,254 |
| Total interest expense | $2,642,000 | 2,862 |
| Net interest income | $6,244,000 | 3,373 |
| Provision for loan and lease losses | $2,060,000 | 2,027 |
| Total noninterest income | $1,026,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $113,000 | 5,328 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $913,000 | 2,299 |
| Total noninterest expense | $4,623,000 | 3,828 |
| Salaries and employee benefits | $2,521,000 | 3,560 |
| Premises and equipment expense | $471,000 | 4,347 |
| Additional noninterest expense | $1,631,000 | 3,776 |
| Pre-tax net operating income | $587,000 | 4,174 |
| Securities gains (losses) | $179,000 | 1,689 |
| Applicable income taxes | $245,000 | 2,548 |
| Income before extraordinary items | $521,000 | 4,260 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $521,000 | 4,262 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $521,000 | 4,262 |
| Net charge-offs | $2,486,000 | 1,634 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $399,280 | 4,479 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,718,000 | 3,294 |
| Total interest expense | $1,996,000 | 2,965 |
| Net interest income | $4,722,000 | 3,403 |
| Provision for loan and lease losses | $1,610,000 | 1,891 |
| Total noninterest income | $732,000 | 3,316 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $88,000 | 5,351 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $644,000 | 2,386 |
| Total noninterest expense | $3,446,000 | 3,845 |
| Salaries and employee benefits | $1,890,000 | 3,603 |
| Premises and equipment expense | $356,000 | 4,387 |
| Additional noninterest expense | $1,200,000 | 3,803 |
| Pre-tax net operating income | $398,000 | 4,515 |
| Securities gains (losses) | $136,000 | 1,679 |
| Applicable income taxes | $179,000 | 2,667 |
| Income before extraordinary items | $355,000 | 4,632 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $355,000 | 4,635 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $355,000 | 4,635 |
| Net charge-offs | $1,972,000 | 1,520 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $265,240 | 4,844 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,607,000 | 3,257 |
| Total interest expense | $1,310,000 | 3,098 |
| Net interest income | $3,297,000 | 3,268 |
| Provision for loan and lease losses | $1,185,000 | 1,766 |
| Total noninterest income | $424,000 | 3,528 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $60,000 | 5,340 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $364,000 | 2,547 |
| Total noninterest expense | $2,299,000 | 3,844 |
| Salaries and employee benefits | $1,249,000 | 3,643 |
| Premises and equipment expense | $241,000 | 4,366 |
| Additional noninterest expense | $809,000 | 3,767 |
| Pre-tax net operating income | $237,000 | 4,722 |
| Securities gains (losses) | $134,000 | 1,220 |
| Applicable income taxes | $129,000 | 2,556 |
| Income before extraordinary items | $242,000 | 4,627 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $242,000 | 4,627 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $242,000 | 4,627 |
| Net charge-offs | $1,720,000 | 1,259 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $154,900 | 5,038 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,343,000 | 3,269 |
| Total interest expense | $652,000 | 3,219 |
| Net interest income | $1,691,000 | 3,223 |
| Provision for loan and lease losses | $525,000 | 1,766 |
| Total noninterest income | $198,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $29,000 | 5,402 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $169,000 | 2,649 |
| Total noninterest expense | $1,147,000 | 3,880 |
| Salaries and employee benefits | $642,000 | 3,626 |
| Premises and equipment expense | $120,000 | 4,460 |
| Additional noninterest expense | $385,000 | 3,895 |
| Pre-tax net operating income | $217,000 | 3,918 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $76,000 | 2,391 |
| Income before extraordinary items | $141,000 | 4,492 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $141,000 | 4,492 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $141,000 | 4,491 |
| Net charge-offs | $1,436,000 | 811 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $141,000 | 4,383 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,437,000 | 3,373 |
| Total interest expense | $3,119,000 | 3,319 |
| Net interest income | $6,318,000 | 3,307 |
| Provision for loan and lease losses | $1,285,000 | 3,108 |
| Total noninterest income | $948,000 | 3,445 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $125,000 | 5,433 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $823,000 | 2,415 |
| Total noninterest expense | $4,545,000 | 3,968 |
| Salaries and employee benefits | $2,514,000 | 3,667 |
| Premises and equipment expense | $471,000 | 4,531 |
| Additional noninterest expense | $1,560,000 | 3,980 |
| Pre-tax net operating income | $1,436,000 | 2,420 |
| Securities gains (losses) | $180,000 | 1,627 |
| Applicable income taxes | $547,000 | 1,469 |
| Income before extraordinary items | $1,069,000 | 2,665 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,069,000 | 2,664 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,069,000 | 2,665 |
| Net charge-offs | $323,000 | 4,385 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $950,200 | 2,797 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,090,000 | 3,417 |
| Total interest expense | $2,435,000 | 3,345 |
| Net interest income | $4,655,000 | 3,370 |
| Provision for loan and lease losses | $660,000 | 3,376 |
| Total noninterest income | $709,000 | 3,509 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $95,000 | 5,432 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $614,000 | 2,484 |
| Total noninterest expense | $3,427,000 | 3,963 |
| Salaries and employee benefits | $1,877,000 | 3,718 |
| Premises and equipment expense | $358,000 | 4,549 |
| Additional noninterest expense | $1,192,000 | 3,893 |
| Pre-tax net operating income | $1,277,000 | 2,334 |
| Securities gains (losses) | $83,000 | 1,963 |
| Applicable income taxes | $467,000 | 1,475 |
| Income before extraordinary items | $893,000 | 2,668 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $893,000 | 2,665 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $893,000 | 2,668 |
| Net charge-offs | $284,000 | 3,795 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $838,220 | 2,733 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,747,000 | 3,430 |
| Total interest expense | $1,668,000 | 3,395 |
| Net interest income | $3,079,000 | 3,387 |
| Provision for loan and lease losses | $360,000 | 3,434 |
| Total noninterest income | $509,000 | 3,383 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $60,000 | 5,529 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $449,000 | 2,379 |
| Total noninterest expense | $2,241,000 | 4,040 |
| Salaries and employee benefits | $1,256,000 | 3,754 |
| Premises and equipment expense | $244,000 | 4,523 |
| Additional noninterest expense | $741,000 | 4,103 |
| Pre-tax net operating income | $987,000 | 2,134 |
| Securities gains (losses) | $79,000 | 1,635 |
| Applicable income taxes | $371,000 | 1,334 |
| Income before extraordinary items | $695,000 | 2,506 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $695,000 | 2,503 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $695,000 | 2,505 |
| Net charge-offs | $32,000 | 5,289 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $643,650 | 2,562 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 3,487 |
| Total interest expense | $876,000 | 3,383 |
| Net interest income | $1,486,000 | 3,471 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $225,000 | 3,591 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $30,000 | 5,504 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $195,000 | 2,552 |
| Total noninterest expense | $1,081,000 | 4,073 |
| Salaries and employee benefits | $616,000 | 3,847 |
| Premises and equipment expense | $127,000 | 4,475 |
| Additional noninterest expense | $338,000 | 4,059 |
| Pre-tax net operating income | $480,000 | 2,455 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $164,000 | 1,653 |
| Income before extraordinary items | $316,000 | 3,022 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $316,000 | 3,023 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $316,000 | 3,023 |
| Net charge-offs | $15,000 | 4,515 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $316,000 | 2,876 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,862,000 | 3,571 |
| Total interest expense | $4,492,000 | 3,227 |
| Net interest income | $5,370,000 | 3,761 |
| Provision for loan and lease losses | $600,000 | 3,490 |
| Total noninterest income | $645,000 | 4,311 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $130,000 | 5,544 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $515,000 | 3,123 |
| Total noninterest expense | $4,075,000 | 4,178 |
| Salaries and employee benefits | $2,356,000 | 3,949 |
| Premises and equipment expense | $473,000 | 4,610 |
| Additional noninterest expense | $1,246,000 | 4,167 |
| Pre-tax net operating income | $1,340,000 | 3,217 |
| Securities gains (losses) | $7,000 | 2,644 |
| Applicable income taxes | $449,000 | 1,955 |
| Income before extraordinary items | $898,000 | 3,489 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $898,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 4,181 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $893,310 | 3,644 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,427,000 | 3,620 |
| Total interest expense | $3,438,000 | 3,280 |
| Net interest income | $3,989,000 | 3,811 |
| Provision for loan and lease losses | $450,000 | 2,889 |
| Total noninterest income | $501,000 | 4,326 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $97,000 | 5,586 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $404,000 | 3,167 |
| Total noninterest expense | $3,053,000 | 4,169 |
| Salaries and employee benefits | $1,750,000 | 4,005 |
| Premises and equipment expense | $354,000 | 4,627 |
| Additional noninterest expense | $949,000 | 4,025 |
| Pre-tax net operating income | $987,000 | 3,702 |
| Securities gains (losses) | $7,000 | 2,502 |
| Applicable income taxes | $333,000 | 2,349 |
| Income before extraordinary items | $661,000 | 3,931 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $661,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,553 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $656,380 | 4,099 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,965,000 | 3,665 |
| Total interest expense | $2,359,000 | 3,330 |
| Net interest income | $2,606,000 | 3,862 |
| Provision for loan and lease losses | $300,000 | 2,524 |
| Total noninterest income | $354,000 | 4,260 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $60,000 | 5,699 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $294,000 | 3,055 |
| Total noninterest expense | $2,044,000 | 4,173 |
| Salaries and employee benefits | $1,166,000 | 4,042 |
| Premises and equipment expense | $236,000 | 4,667 |
| Additional noninterest expense | $642,000 | 3,970 |
| Pre-tax net operating income | $616,000 | 3,963 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $209,000 | 2,632 |
| Income before extraordinary items | $414,000 | 4,399 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 4,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,066 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $409,380 | 4,371 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,551,000 | 3,669 |
| Total interest expense | $1,284,000 | 3,288 |
| Net interest income | $1,267,000 | 3,940 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $190,000 | 4,101 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $30,000 | 5,688 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $160,000 | 2,933 |
| Total noninterest expense | $1,019,000 | 4,179 |
| Salaries and employee benefits | $592,000 | 4,013 |
| Premises and equipment expense | $119,000 | 4,656 |
| Additional noninterest expense | $308,000 | 4,033 |
| Pre-tax net operating income | $288,000 | 4,238 |
| Securities gains (losses) | $7,000 | 2,110 |
| Applicable income taxes | $102,000 | 2,776 |
| Income before extraordinary items | $193,000 | 4,735 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $193,000 | 4,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,155 |
| Cash dividends | $100,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $188,450 | 4,676 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,750,000 | 3,592 |
| Total interest expense | $5,961,000 | 3,014 |
| Net interest income | $4,789,000 | 4,131 |
| Provision for loan and lease losses | $435,000 | 2,561 |
| Total noninterest income | $670,000 | 4,400 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $127,000 | 5,671 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $543,000 | 3,172 |
| Total noninterest expense | $3,829,000 | 4,256 |
| Salaries and employee benefits | $2,199,000 | 4,084 |
| Premises and equipment expense | $440,000 | 4,750 |
| Additional noninterest expense | $1,190,000 | 4,094 |
| Pre-tax net operating income | $1,195,000 | 4,375 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $384,000 | 3,080 |
| Income before extraordinary items | $811,000 | 4,771 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $811,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,354 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $811,000 | 4,746 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,015,000 | 3,609 |
| Total interest expense | $4,481,000 | 3,012 |
| Net interest income | $3,534,000 | 4,191 |
| Provision for loan and lease losses | $285,000 | 2,385 |
| Total noninterest income | $523,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $96,000 | 5,692 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $427,000 | 3,091 |
| Total noninterest expense | $2,876,000 | 4,214 |
| Salaries and employee benefits | $1,651,000 | 4,068 |
| Premises and equipment expense | $329,000 | 4,742 |
| Additional noninterest expense | $896,000 | 4,025 |
| Pre-tax net operating income | $896,000 | 4,609 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $280,000 | 3,291 |
| Income before extraordinary items | $616,000 | 4,948 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $616,000 | 4,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,329 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $616,000 | 4,935 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,281,000 | 3,642 |
| Total interest expense | $2,960,000 | 3,041 |
| Net interest income | $2,321,000 | 4,265 |
| Provision for loan and lease losses | $135,000 | 2,802 |
| Total noninterest income | $331,000 | 4,452 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $64,000 | 5,719 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $267,000 | 3,209 |
| Total noninterest expense | $1,913,000 | 4,247 |
| Salaries and employee benefits | $1,096,000 | 4,118 |
| Premises and equipment expense | $222,000 | 4,713 |
| Additional noninterest expense | $595,000 | 4,038 |
| Pre-tax net operating income | $604,000 | 4,645 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $179,000 | 3,408 |
| Income before extraordinary items | $425,000 | 4,922 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $425,000 | 4,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,409 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $425,000 | 4,924 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,613,000 | 3,661 |
| Total interest expense | $1,459,000 | 3,062 |
| Net interest income | $1,154,000 | 4,273 |
| Provision for loan and lease losses | $68,000 | 2,624 |
| Total noninterest income | $138,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $31,000 | 5,740 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $107,000 | 3,642 |
| Total noninterest expense | $940,000 | 4,320 |
| Salaries and employee benefits | $546,000 | 4,160 |
| Premises and equipment expense | $109,000 | 4,791 |
| Additional noninterest expense | $285,000 | 4,118 |
| Pre-tax net operating income | $284,000 | 4,776 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $95,000 | 3,333 |
| Income before extraordinary items | $189,000 | 5,193 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $189,000 | 5,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $189,000 | 5,178 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,529,000 | 3,705 |
| Total interest expense | $4,892,000 | 3,090 |
| Net interest income | $4,637,000 | 4,251 |
| Provision for loan and lease losses | $125,000 | 4,315 |
| Total noninterest income | $786,000 | 4,107 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $133,000 | 5,736 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $653,000 | 2,860 |
| Total noninterest expense | $3,683,000 | 4,230 |
| Salaries and employee benefits | $2,143,000 | 4,066 |
| Premises and equipment expense | $445,000 | 4,598 |
| Additional noninterest expense | $1,095,000 | 4,228 |
| Pre-tax net operating income | $1,615,000 | 4,139 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $554,000 | 2,995 |
| Income before extraordinary items | $1,061,000 | 4,582 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,061,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,861 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,061,000 | 4,572 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,933,000 | 3,764 |
| Total interest expense | $3,510,000 | 3,101 |
| Net interest income | $3,423,000 | 4,320 |
| Provision for loan and lease losses | $125,000 | 3,756 |
| Total noninterest income | $576,000 | 4,159 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $100,000 | 5,802 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,931 |
| Total noninterest expense | $2,730,000 | 4,252 |
| Salaries and employee benefits | $1,590,000 | 4,075 |
| Premises and equipment expense | $334,000 | 4,598 |
| Additional noninterest expense | $806,000 | 4,237 |
| Pre-tax net operating income | $1,144,000 | 4,424 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $400,000 | 3,177 |
| Income before extraordinary items | $744,000 | 4,875 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $744,000 | 4,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,707 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $744,000 | 4,865 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,453,000 | 3,817 |
| Total interest expense | $2,216,000 | 3,129 |
| Net interest income | $2,237,000 | 4,392 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $365,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $68,000 | 5,764 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $297,000 | 3,043 |
| Total noninterest expense | $1,834,000 | 4,240 |
| Salaries and employee benefits | $1,064,000 | 4,079 |
| Premises and equipment expense | $221,000 | 4,633 |
| Additional noninterest expense | $549,000 | 4,193 |
| Pre-tax net operating income | $643,000 | 4,826 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $218,000 | 3,498 |
| Income before extraordinary items | $425,000 | 5,252 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $425,000 | 5,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,063 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $425,000 | 5,255 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,137,000 | 3,880 |
| Total interest expense | $1,050,000 | 3,135 |
| Net interest income | $1,087,000 | 4,466 |
| Provision for loan and lease losses | $63,000 | 2,743 |
| Total noninterest income | $190,000 | 4,088 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $33,000 | 5,757 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $157,000 | 2,899 |
| Total noninterest expense | $918,000 | 4,256 |
| Salaries and employee benefits | $534,000 | 4,097 |
| Premises and equipment expense | $108,000 | 4,716 |
| Additional noninterest expense | $276,000 | 4,166 |
| Pre-tax net operating income | $296,000 | 5,005 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $98,000 | 3,623 |
| Income before extraordinary items | $198,000 | 5,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $198,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $198,000 | 5,379 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,492,000 | 3,952 |
| Total interest expense | $3,180,000 | 3,171 |
| Net interest income | $4,312,000 | 4,401 |
| Provision for loan and lease losses | $331,000 | 2,620 |
| Total noninterest income | $818,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $130,000 | 5,874 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $688,000 | 2,807 |
| Total noninterest expense | $3,576,000 | 4,224 |
| Salaries and employee benefits | $2,048,000 | 4,062 |
| Premises and equipment expense | $447,000 | 4,513 |
| Additional noninterest expense | $1,081,000 | 4,158 |
| Pre-tax net operating income | $1,223,000 | 4,863 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $405,000 | 3,680 |
| Income before extraordinary items | $820,000 | 5,292 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $820,000 | 5,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,690 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $818,660 | 5,273 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,376,000 | 4,030 |
| Total interest expense | $2,186,000 | 3,261 |
| Net interest income | $3,190,000 | 4,450 |
| Provision for loan and lease losses | $248,000 | 2,569 |
| Total noninterest income | $637,000 | 3,937 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $97,000 | 5,916 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $540,000 | 2,732 |
| Total noninterest expense | $2,671,000 | 4,197 |
| Salaries and employee benefits | $1,517,000 | 4,055 |
| Premises and equipment expense | $334,000 | 4,499 |
| Additional noninterest expense | $820,000 | 4,109 |
| Pre-tax net operating income | $908,000 | 5,018 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $301,000 | 3,810 |
| Income before extraordinary items | $609,000 | 5,409 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $609,000 | 5,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 3,280 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $607,660 | 5,383 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,410,000 | 4,114 |
| Total interest expense | $1,344,000 | 3,327 |
| Net interest income | $2,066,000 | 4,518 |
| Provision for loan and lease losses | $165,000 | 2,477 |
| Total noninterest income | $405,000 | 4,025 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $64,000 | 5,897 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $341,000 | 2,825 |
| Total noninterest expense | $1,756,000 | 4,227 |
| Salaries and employee benefits | $978,000 | 4,140 |
| Premises and equipment expense | $224,000 | 4,445 |
| Additional noninterest expense | $554,000 | 4,042 |
| Pre-tax net operating income | $550,000 | 5,228 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $178,000 | 3,989 |
| Income before extraordinary items | $374,000 | 5,618 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $374,000 | 5,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $372,640 | 5,588 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,610,000 | 4,262 |
| Total interest expense | $617,000 | 3,440 |
| Net interest income | $993,000 | 4,643 |
| Provision for loan and lease losses | $83,000 | 2,367 |
| Total noninterest income | $180,000 | 4,243 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $29,000 | 6,046 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $151,000 | 2,964 |
| Total noninterest expense | $853,000 | 4,341 |
| Salaries and employee benefits | $463,000 | 4,335 |
| Premises and equipment expense | $115,000 | 4,423 |
| Additional noninterest expense | $275,000 | 4,067 |
| Pre-tax net operating income | $237,000 | 5,574 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $76,000 | 4,184 |
| Income before extraordinary items | $161,000 | 5,952 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $161,000 | 5,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $161,000 | 5,915 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,504,000 | 4,539 |
| Total interest expense | $1,665,000 | 4,208 |
| Net interest income | $3,839,000 | 4,619 |
| Provision for loan and lease losses | $285,000 | 3,029 |
| Total noninterest income | $642,000 | 4,637 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $117,000 | 6,222 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $525,000 | 3,226 |
| Total noninterest expense | $3,387,000 | 4,286 |
| Salaries and employee benefits | $1,804,000 | 4,335 |
| Premises and equipment expense | $630,000 | 3,395 |
| Additional noninterest expense | $953,000 | 4,525 |
| Pre-tax net operating income | $809,000 | 5,767 |
| Securities gains (losses) | $51,000 | 1,720 |
| Applicable income taxes | $306,000 | 4,146 |
| Income before extraordinary items | $554,000 | 6,135 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $554,000 | 6,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,170 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 850 |
| Net operating income | $521,360 | 6,210 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,960,000 | 4,645 |
| Total interest expense | $1,151,000 | 4,409 |
| Net interest income | $2,809,000 | 4,692 |
| Provision for loan and lease losses | $214,000 | 2,885 |
| Total noninterest income | $486,000 | 4,623 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $87,000 | 6,265 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $399,000 | 3,192 |
| Total noninterest expense | $2,519,000 | 4,273 |
| Salaries and employee benefits | $1,327,000 | 4,357 |
| Premises and equipment expense | $473,000 | 3,411 |
| Additional noninterest expense | $719,000 | 4,429 |
| Pre-tax net operating income | $562,000 | 6,052 |
| Securities gains (losses) | $51,000 | 1,641 |
| Applicable income taxes | $221,000 | 4,294 |
| Income before extraordinary items | $392,000 | 6,378 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $392,000 | 6,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,961 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 714 |
| Net operating income | $359,360 | 6,487 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,574,000 | 4,734 |
| Total interest expense | $719,000 | 4,602 |
| Net interest income | $1,855,000 | 4,722 |
| Provision for loan and lease losses | $143,000 | 2,867 |
| Total noninterest income | $320,000 | 4,656 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $56,000 | 6,337 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $264,000 | 3,211 |
| Total noninterest expense | $1,659,000 | 4,340 |
| Salaries and employee benefits | $867,000 | 4,443 |
| Premises and equipment expense | $310,000 | 3,455 |
| Additional noninterest expense | $482,000 | 4,433 |
| Pre-tax net operating income | $373,000 | 6,035 |
| Securities gains (losses) | $51,000 | 1,448 |
| Applicable income taxes | $156,000 | 4,181 |
| Income before extraordinary items | $268,000 | 6,295 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $268,000 | 6,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,141 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 611 |
| Net operating income | $235,360 | 6,494 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,282,000 | 4,766 |
| Total interest expense | $352,000 | 4,690 |
| Net interest income | $930,000 | 4,714 |
| Provision for loan and lease losses | $71,000 | 2,746 |
| Total noninterest income | $135,000 | 5,039 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $27,000 | 6,373 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $108,000 | 3,546 |
| Total noninterest expense | $827,000 | 4,379 |
| Salaries and employee benefits | $436,000 | 4,450 |
| Premises and equipment expense | $153,000 | 3,536 |
| Additional noninterest expense | $238,000 | 4,481 |
| Pre-tax net operating income | $167,000 | 6,218 |
| Securities gains (losses) | $51,000 | 1,182 |
| Applicable income taxes | $79,000 | 4,163 |
| Income before extraordinary items | $139,000 | 6,188 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $139,000 | 6,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $106,360 | 6,654 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,210,000 | 4,751 |
| Total interest expense | $1,523,000 | 4,820 |
| Net interest income | $3,687,000 | 4,627 |
| Provision for loan and lease losses | $197,000 | 4,063 |
| Total noninterest income | $866,000 | 4,037 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $94,000 | 6,640 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $772,000 | 2,800 |
| Total noninterest expense | $3,145,000 | 4,464 |
| Salaries and employee benefits | $1,705,000 | 4,431 |
| Premises and equipment expense | $592,000 | 3,560 |
| Additional noninterest expense | $848,000 | 4,858 |
| Pre-tax net operating income | $1,211,000 | 4,672 |
| Securities gains (losses) | $4,000 | 3,987 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,215,000 | 4,112 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,215,000 | 4,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,940 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,211,000 | 3,956 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,915,000 | 4,804 |
| Total interest expense | $1,176,000 | 4,878 |
| Net interest income | $2,739,000 | 4,671 |
| Provision for loan and lease losses | $148,000 | 3,953 |
| Total noninterest income | $733,000 | 3,833 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $67,000 | 6,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $666,000 | 2,657 |
| Total noninterest expense | $2,361,000 | 4,450 |
| Salaries and employee benefits | $1,270,000 | 4,438 |
| Premises and equipment expense | $437,000 | 3,609 |
| Additional noninterest expense | $654,000 | 4,712 |
| Pre-tax net operating income | $963,000 | 4,651 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $963,000 | 4,081 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $963,000 | 4,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,923 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $963,000 | 3,907 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,573,000 | 4,892 |
| Total interest expense | $806,000 | 4,903 |
| Net interest income | $1,767,000 | 4,769 |
| Provision for loan and lease losses | $99,000 | 3,909 |
| Total noninterest income | $469,000 | 3,889 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $43,000 | 6,840 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $426,000 | 2,689 |
| Total noninterest expense | $1,509,000 | 4,568 |
| Salaries and employee benefits | $791,000 | 4,651 |
| Premises and equipment expense | $288,000 | 3,622 |
| Additional noninterest expense | $430,000 | 4,752 |
| Pre-tax net operating income | $628,000 | 4,712 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $628,000 | 4,161 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $628,000 | 4,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,423 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $628,000 | 3,966 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 4,973 |
| Total interest expense | $408,000 | 4,981 |
| Net interest income | $854,000 | 4,858 |
| Provision for loan and lease losses | $49,000 | 3,737 |
| Total noninterest income | $214,000 | 3,997 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $19,000 | 6,970 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $195,000 | 2,764 |
| Total noninterest expense | $730,000 | 4,664 |
| Salaries and employee benefits | $382,000 | 4,772 |
| Premises and equipment expense | $142,000 | 3,648 |
| Additional noninterest expense | $206,000 | 4,860 |
| Pre-tax net operating income | $289,000 | 4,884 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $289,000 | 4,349 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $289,000 | 4,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,880 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $289,000 | 4,158 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,908,000 | 5,240 |
| Total interest expense | $1,918,000 | 4,943 |
| Net interest income | $2,990,000 | 5,296 |
| Provision for loan and lease losses | $349,000 | 3,142 |
| Total noninterest income | $689,000 | 4,379 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $70,000 | 7,133 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $619,000 | 2,912 |
| Total noninterest expense | $2,711,000 | 4,802 |
| Salaries and employee benefits | $1,497,000 | 4,706 |
| Premises and equipment expense | $471,000 | 4,118 |
| Additional noninterest expense | $743,000 | 5,191 |
| Pre-tax net operating income | $619,000 | 6,358 |
| Securities gains (losses) | $20,000 | 3,147 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $639,000 | 5,799 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $639,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,648 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $640,000 | 441 |
| Net operating income | $619,000 | 5,755 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,977,000 | 6,375 |
| Total interest expense | $2,142,000 | 5,891 |
| Net interest income | $1,835,000 | 6,732 |
| Provision for loan and lease losses | $413,000 | 2,556 |
| Total noninterest income | $338,000 | 6,105 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $47,000 | 7,661 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $291,000 | 4,182 |
| Total noninterest expense | $2,149,000 | 5,479 |
| Salaries and employee benefits | $1,156,000 | 5,460 |
| Premises and equipment expense | $382,000 | 4,745 |
| Additional noninterest expense | $611,000 | 5,766 |
| Pre-tax net operating income | $-389,000 | 9,102 |
| Securities gains (losses) | $40,000 | 2,572 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-349,000 | 9,153 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-349,000 | 9,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,067 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-389,000 | 9,134 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,743,000 | 8,693 |
| Total interest expense | $832,000 | 8,567 |
| Net interest income | $911,000 | 8,672 |
| Provision for loan and lease losses | $253,000 | 3,208 |
| Total noninterest income | $87,000 | 8,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $17,000 | 8,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 7,177 |
| Total noninterest expense | $1,987,000 | 5,702 |
| Salaries and employee benefits | $976,000 | 6,025 |
| Premises and equipment expense | $359,000 | 4,852 |
| Additional noninterest expense | $652,000 | 5,456 |
| Pre-tax net operating income | $-1,242,000 | 9,761 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,242,000 | 9,771 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,242,000 | 9,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $8,093,000 | 96 |
| Net operating income | $-1,242,000 | 9,774 |
* 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.