Home > United Community Bank > Income and Expense
United Community Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 4,505 |
| Total interest expense | $319,000 | 5,553 |
| Net interest income | $3,239,000 | 4,276 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $404,000 | 4,403 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $130,000 | 4,578 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $274,000 | 3,811 |
| Total noninterest expense | $3,308,000 | 3,814 |
| Salaries and employee benefits | $1,932,000 | 3,513 |
| Premises and equipment expense | $328,000 | 4,173 |
| Additional noninterest expense | $1,048,000 | 3,987 |
| Pre-tax net operating income | $335,000 | 5,183 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $335,000 | 5,198 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $335,000 | 5,196 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $335,000 | 5,196 |
| Net charge-offs | $272,000 | 2,956 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $335,000 | 5,004 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,396,000 | 4,525 |
| Total interest expense | $217,000 | 5,611 |
| Net interest income | $2,179,000 | 4,259 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $297,000 | 4,236 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $92,000 | 4,472 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $205,000 | 3,640 |
| Total noninterest expense | $2,022,000 | 4,063 |
| Salaries and employee benefits | $1,133,000 | 3,845 |
| Premises and equipment expense | $213,000 | 4,235 |
| Additional noninterest expense | $676,000 | 4,085 |
| Pre-tax net operating income | $454,000 | 4,255 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $454,000 | 4,148 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $454,000 | 4,152 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $454,000 | 4,152 |
| Net charge-offs | $48,000 | 4,072 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $454,000 | 3,954 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,186,000 | 4,590 |
| Total interest expense | $112,000 | 5,669 |
| Net interest income | $1,074,000 | 4,326 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $207,000 | 3,579 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $50,000 | 4,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $157,000 | 3,007 |
| Total noninterest expense | $1,045,000 | 3,985 |
| Salaries and employee benefits | $572,000 | 3,845 |
| Premises and equipment expense | $110,000 | 4,193 |
| Additional noninterest expense | $363,000 | 3,884 |
| Pre-tax net operating income | $236,000 | 4,262 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $236,000 | 4,096 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $236,000 | 4,099 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $236,000 | 4,099 |
| Net charge-offs | $-49,000 | 7,062 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $236,000 | 3,937 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,753,000 | 4,695 |
| Total interest expense | $524,000 | 5,758 |
| Net interest income | $4,229,000 | 4,385 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $645,000 | 3,930 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $200,000 | 4,372 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $445,000 | 3,287 |
| Total noninterest expense | $4,522,000 | 3,788 |
| Salaries and employee benefits | $2,195,000 | 3,906 |
| Premises and equipment expense | $461,000 | 4,251 |
| Additional noninterest expense | $1,866,000 | 3,328 |
| Pre-tax net operating income | $352,000 | 5,105 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $352,000 | 5,080 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $352,000 | 5,083 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $352,000 | 5,083 |
| Net charge-offs | $300,000 | 3,802 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $352,000 | 4,961 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,541,000 | 4,767 |
| Total interest expense | $404,000 | 5,830 |
| Net interest income | $3,137,000 | 4,443 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $496,000 | 3,891 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $142,000 | 4,492 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $354,000 | 3,215 |
| Total noninterest expense | $3,438,000 | 3,774 |
| Salaries and employee benefits | $1,635,000 | 3,930 |
| Premises and equipment expense | $346,000 | 4,291 |
| Additional noninterest expense | $1,457,000 | 3,231 |
| Pre-tax net operating income | $195,000 | 5,488 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $66,000 | 3,479 |
| Income before extraordinary items | $129,000 | 5,784 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $129,000 | 5,785 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $129,000 | 5,785 |
| Net charge-offs | $174,000 | 3,869 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $129,000 | 5,645 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,324,000 | 4,852 |
| Total interest expense | $277,000 | 5,884 |
| Net interest income | $2,047,000 | 4,522 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $320,000 | 3,988 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $89,000 | 4,601 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $231,000 | 3,270 |
| Total noninterest expense | $2,338,000 | 3,749 |
| Salaries and employee benefits | $1,087,000 | 3,975 |
| Premises and equipment expense | $229,000 | 4,344 |
| Additional noninterest expense | $1,022,000 | 3,154 |
| Pre-tax net operating income | $29,000 | 6,046 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $10,000 | 4,094 |
| Income before extraordinary items | $19,000 | 6,200 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $19,000 | 6,199 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $19,000 | 6,200 |
| Net charge-offs | $133,000 | 3,551 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $19,000 | 6,120 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 4,957 |
| Total interest expense | $144,000 | 5,915 |
| Net interest income | $984,000 | 4,618 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $223,000 | 3,374 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $49,000 | 4,390 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $174,000 | 2,667 |
| Total noninterest expense | $1,206,000 | 3,683 |
| Salaries and employee benefits | $547,000 | 3,984 |
| Premises and equipment expense | $121,000 | 4,256 |
| Additional noninterest expense | $538,000 | 3,001 |
| Pre-tax net operating income | $1,000 | 6,316 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $1,000 | 6,365 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,000 | 6,365 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,000 | 6,365 |
| Net charge-offs | $106,000 | 2,678 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $1,000 | 6,334 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,992,000 | 4,818 |
| Total interest expense | $926,000 | 5,401 |
| Net interest income | $4,066,000 | 4,547 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $243,000 | 5,704 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $279,000 | 3,775 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-36,000 | 7,097 |
| Total noninterest expense | $5,331,000 | 3,418 |
| Salaries and employee benefits | $2,274,000 | 3,859 |
| Premises and equipment expense | $536,000 | 4,012 |
| Additional noninterest expense | $2,521,000 | 2,671 |
| Pre-tax net operating income | $-1,022,000 | 6,496 |
| Securities gains (losses) | $1,000 | 3,687 |
| Applicable income taxes | $-347,000 | 7,086 |
| Income before extraordinary items | $-674,000 | 6,447 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-674,000 | 6,448 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-674,000 | 6,448 |
| Net charge-offs | $765,000 | 3,053 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-674,660 | 6,410 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,884,000 | 4,813 |
| Total interest expense | $732,000 | 5,434 |
| Net interest income | $3,152,000 | 4,487 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $213,000 | 5,584 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $216,000 | 3,784 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-3,000 | 7,194 |
| Total noninterest expense | $4,175,000 | 3,305 |
| Salaries and employee benefits | $1,728,000 | 3,864 |
| Premises and equipment expense | $413,000 | 4,019 |
| Additional noninterest expense | $2,034,000 | 2,448 |
| Pre-tax net operating income | $-810,000 | 6,704 |
| Securities gains (losses) | $1,000 | 3,533 |
| Applicable income taxes | $-275,000 | 7,264 |
| Income before extraordinary items | $-534,000 | 6,679 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-534,000 | 6,680 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-534,000 | 6,680 |
| Net charge-offs | $107,000 | 4,839 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-534,660 | 6,624 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,680,000 | 4,753 |
| Total interest expense | $503,000 | 5,464 |
| Net interest income | $2,177,000 | 4,391 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $327,000 | 4,085 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $185,000 | 3,307 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $142,000 | 4,061 |
| Total noninterest expense | $2,972,000 | 3,143 |
| Salaries and employee benefits | $1,161,000 | 3,863 |
| Premises and equipment expense | $257,000 | 4,197 |
| Additional noninterest expense | $1,554,000 | 2,186 |
| Pre-tax net operating income | $-468,000 | 6,726 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $-159,000 | 7,277 |
| Income before extraordinary items | $-308,000 | 6,703 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-308,000 | 6,705 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-308,000 | 6,704 |
| Net charge-offs | $-200,000 | 7,792 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-308,660 | 6,655 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,370,000 | 4,753 |
| Total interest expense | $258,000 | 5,538 |
| Net interest income | $1,112,000 | 4,355 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $157,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $96,000 | 3,228 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $61,000 | 4,353 |
| Total noninterest expense | $1,564,000 | 3,041 |
| Salaries and employee benefits | $587,000 | 3,893 |
| Premises and equipment expense | $137,000 | 4,128 |
| Additional noninterest expense | $840,000 | 2,024 |
| Pre-tax net operating income | $-295,000 | 6,961 |
| Securities gains (losses) | $1,000 | 2,151 |
| Applicable income taxes | $-100,000 | 7,448 |
| Income before extraordinary items | $-194,000 | 6,922 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-194,000 | 6,923 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-194,000 | 6,922 |
| Net charge-offs | $-34,000 | 7,734 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-194,660 | 6,886 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,600,000 | 3,957 |
| Total interest expense | $2,121,000 | 4,290 |
| Net interest income | $5,479,000 | 3,710 |
| Provision for loan and lease losses | $8,790,000 | 962 |
| Total noninterest income | $175,000 | 6,408 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $368,000 | 3,480 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-193,000 | 7,681 |
| Total noninterest expense | $6,272,000 | 3,070 |
| Salaries and employee benefits | $2,585,000 | 3,592 |
| Premises and equipment expense | $581,000 | 3,962 |
| Additional noninterest expense | $3,106,000 | 2,278 |
| Pre-tax net operating income | $-9,408,000 | 7,465 |
| Securities gains (losses) | $183,000 | 1,616 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-9,225,000 | 7,526 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-9,225,000 | 7,525 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-9,225,000 | 7,525 |
| Net charge-offs | $8,290,000 | 790 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-9,408,000 | 7,539 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,026,000 | 3,851 |
| Total interest expense | $1,766,000 | 4,173 |
| Net interest income | $4,260,000 | 3,627 |
| Provision for loan and lease losses | $8,110,000 | 743 |
| Total noninterest income | $32,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $271,000 | 3,531 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-239,000 | 7,889 |
| Total noninterest expense | $4,608,000 | 3,127 |
| Salaries and employee benefits | $2,026,000 | 3,502 |
| Premises and equipment expense | $439,000 | 3,988 |
| Additional noninterest expense | $2,143,000 | 2,414 |
| Pre-tax net operating income | $-8,426,000 | 7,690 |
| Securities gains (losses) | $183,000 | 1,351 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-8,243,000 | 7,730 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-8,243,000 | 7,729 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-8,243,000 | 7,729 |
| Net charge-offs | $5,749,000 | 736 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-8,426,000 | 7,743 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 3,772 |
| Total interest expense | $1,285,000 | 4,066 |
| Net interest income | $2,917,000 | 3,537 |
| Provision for loan and lease losses | $4,810,000 | 756 |
| Total noninterest income | $-13,000 | 7,989 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $178,000 | 3,541 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-191,000 | 8,013 |
| Total noninterest expense | $2,992,000 | 3,222 |
| Salaries and employee benefits | $1,398,000 | 3,443 |
| Premises and equipment expense | $293,000 | 4,010 |
| Additional noninterest expense | $1,301,000 | 2,640 |
| Pre-tax net operating income | $-4,898,000 | 7,741 |
| Securities gains (losses) | $127,000 | 1,314 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-4,771,000 | 7,788 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,771,000 | 7,787 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,771,000 | 7,787 |
| Net charge-offs | $2,345,000 | 1,020 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,898,000 | 7,808 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,209,000 | 3,674 |
| Total interest expense | $695,000 | 3,964 |
| Net interest income | $1,514,000 | 3,420 |
| Provision for loan and lease losses | $280,000 | 2,420 |
| Total noninterest income | $1,000 | 8,011 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $92,000 | 3,418 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-91,000 | 8,115 |
| Total noninterest expense | $1,463,000 | 3,201 |
| Salaries and employee benefits | $773,000 | 3,195 |
| Premises and equipment expense | $148,000 | 4,012 |
| Additional noninterest expense | $542,000 | 2,812 |
| Pre-tax net operating income | $-228,000 | 6,929 |
| Securities gains (losses) | $70,000 | 1,152 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-158,000 | 6,957 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-158,000 | 6,958 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-158,000 | 6,958 |
| Net charge-offs | $221,000 | 2,065 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-228,000 | 7,010 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,902,000 | 3,313 |
| Total interest expense | $3,791,000 | 3,651 |
| Net interest income | $7,111,000 | 3,006 |
| Provision for loan and lease losses | $1,575,000 | 2,098 |
| Total noninterest income | $343,000 | 5,598 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $345,000 | 3,751 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-2,000 | 8,025 |
| Total noninterest expense | $6,066,000 | 3,045 |
| Salaries and employee benefits | $3,203,000 | 3,075 |
| Premises and equipment expense | $633,000 | 3,764 |
| Additional noninterest expense | $2,230,000 | 2,587 |
| Pre-tax net operating income | $-187,000 | 6,541 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-187,000 | 6,464 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-187,000 | 6,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $824,000 | 2,169 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-187,000 | 6,615 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,417,000 | 3,280 |
| Total interest expense | $2,936,000 | 3,676 |
| Net interest income | $5,481,000 | 2,960 |
| Provision for loan and lease losses | $915,000 | 1,933 |
| Total noninterest income | $362,000 | 5,021 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $238,000 | 3,950 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $124,000 | 5,258 |
| Total noninterest expense | $4,598,000 | 2,988 |
| Salaries and employee benefits | $2,493,000 | 2,991 |
| Premises and equipment expense | $480,000 | 3,744 |
| Additional noninterest expense | $1,625,000 | 2,582 |
| Pre-tax net operating income | $330,000 | 5,533 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $330,000 | 5,086 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $330,000 | 5,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,666 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $330,000 | 5,252 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,596,000 | 3,345 |
| Total interest expense | $1,977,000 | 3,777 |
| Net interest income | $3,619,000 | 2,975 |
| Provision for loan and lease losses | $675,000 | 1,571 |
| Total noninterest income | $340,000 | 4,354 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $165,000 | 3,872 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $175,000 | 4,029 |
| Total noninterest expense | $3,107,000 | 2,960 |
| Salaries and employee benefits | $1,693,000 | 2,970 |
| Premises and equipment expense | $307,000 | 3,902 |
| Additional noninterest expense | $1,107,000 | 2,511 |
| Pre-tax net operating income | $177,000 | 5,966 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $177,000 | 5,777 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $177,000 | 5,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $676,000 | 1,090 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $177,000 | 5,713 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,848,000 | 3,375 |
| Total interest expense | $1,013,000 | 3,880 |
| Net interest income | $1,835,000 | 2,920 |
| Provision for loan and lease losses | $255,000 | 1,560 |
| Total noninterest income | $182,000 | 4,188 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $85,000 | 3,772 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $97,000 | 3,825 |
| Total noninterest expense | $1,583,000 | 2,911 |
| Salaries and employee benefits | $894,000 | 2,846 |
| Premises and equipment expense | $154,000 | 3,903 |
| Additional noninterest expense | $535,000 | 2,561 |
| Pre-tax net operating income | $179,000 | 5,153 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $179,000 | 4,900 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $179,000 | 4,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 853 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $179,000 | 4,781 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,873,000 | 3,559 |
| Total interest expense | $3,182,000 | 4,622 |
| Net interest income | $7,691,000 | 2,840 |
| Provision for loan and lease losses | $945,000 | 1,478 |
| Total noninterest income | $620,000 | 4,569 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $282,000 | 4,200 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $338,000 | 4,031 |
| Total noninterest expense | $6,105,000 | 2,924 |
| Salaries and employee benefits | $3,673,000 | 2,685 |
| Premises and equipment expense | $611,000 | 3,794 |
| Additional noninterest expense | $1,821,000 | 2,899 |
| Pre-tax net operating income | $1,261,000 | 4,259 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,261,000 | 3,832 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,261,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 1,346 |
| Cash dividends | $675,000 | 3,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,261,000 | 3,820 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,920,000 | 3,640 |
| Total interest expense | $2,224,000 | 4,847 |
| Net interest income | $5,696,000 | 2,871 |
| Provision for loan and lease losses | $495,000 | 1,588 |
| Total noninterest income | $577,000 | 4,102 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $203,000 | 4,313 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $374,000 | 3,331 |
| Total noninterest expense | $4,661,000 | 2,849 |
| Salaries and employee benefits | $2,822,000 | 2,619 |
| Premises and equipment expense | $462,000 | 3,766 |
| Additional noninterest expense | $1,377,000 | 2,819 |
| Pre-tax net operating income | $1,117,000 | 4,117 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,117,000 | 3,639 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,117,000 | 3,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 998 |
| Cash dividends | $675,000 | 2,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,117,000 | 3,622 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,025,000 | 3,777 |
| Total interest expense | $1,403,000 | 4,988 |
| Net interest income | $3,622,000 | 3,036 |
| Provision for loan and lease losses | $345,000 | 1,386 |
| Total noninterest income | $479,000 | 3,642 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $132,000 | 4,366 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $347,000 | 2,787 |
| Total noninterest expense | $3,025,000 | 2,960 |
| Salaries and employee benefits | $1,845,000 | 2,700 |
| Premises and equipment expense | $306,000 | 3,801 |
| Additional noninterest expense | $874,000 | 2,953 |
| Pre-tax net operating income | $731,000 | 4,222 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $731,000 | 3,718 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $731,000 | 3,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $588,000 | 638 |
| Cash dividends | $675,000 | 2,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $731,000 | 3,700 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,444,000 | 3,841 |
| Total interest expense | $707,000 | 4,948 |
| Net interest income | $1,737,000 | 3,138 |
| Provision for loan and lease losses | $100,000 | 2,001 |
| Total noninterest income | $206,000 | 3,944 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $65,000 | 4,347 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $141,000 | 3,128 |
| Total noninterest expense | $1,461,000 | 3,048 |
| Salaries and employee benefits | $897,000 | 2,795 |
| Premises and equipment expense | $155,000 | 3,786 |
| Additional noninterest expense | $409,000 | 3,109 |
| Pre-tax net operating income | $382,000 | 4,108 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $382,000 | 3,605 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $382,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,797 |
| Cash dividends | $675,000 | 1,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $382,000 | 3,583 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,310,000 | 3,771 |
| Total interest expense | $2,261,000 | 5,079 |
| Net interest income | $7,049,000 | 3,089 |
| Provision for loan and lease losses | $725,000 | 1,366 |
| Total noninterest income | $556,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $311,000 | 4,056 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $245,000 | 4,698 |
| Total noninterest expense | $5,364,000 | 3,156 |
| Salaries and employee benefits | $2,971,000 | 3,156 |
| Premises and equipment expense | $599,000 | 3,771 |
| Additional noninterest expense | $1,794,000 | 2,827 |
| Pre-tax net operating income | $1,516,000 | 4,261 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,516,000 | 3,745 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,516,000 | 3,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $292,000 | 1,710 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,516,000 | 3,730 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,902,000 | 3,777 |
| Total interest expense | $1,607,000 | 5,163 |
| Net interest income | $5,295,000 | 3,111 |
| Provision for loan and lease losses | $625,000 | 1,167 |
| Total noninterest income | $419,000 | 4,908 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $223,000 | 4,189 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $196,000 | 4,573 |
| Total noninterest expense | $3,803,000 | 3,309 |
| Salaries and employee benefits | $2,119,000 | 3,293 |
| Premises and equipment expense | $441,000 | 3,838 |
| Additional noninterest expense | $1,243,000 | 3,028 |
| Pre-tax net operating income | $1,286,000 | 4,132 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,286,000 | 3,574 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,286,000 | 3,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $242,000 | 1,330 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,286,000 | 3,556 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,526,000 | 3,779 |
| Total interest expense | $1,025,000 | 5,165 |
| Net interest income | $3,501,000 | 3,134 |
| Provision for loan and lease losses | $425,000 | 1,120 |
| Total noninterest income | $290,000 | 4,829 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $144,000 | 4,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $146,000 | 4,360 |
| Total noninterest expense | $2,459,000 | 3,388 |
| Salaries and employee benefits | $1,373,000 | 3,377 |
| Premises and equipment expense | $284,000 | 3,936 |
| Additional noninterest expense | $802,000 | 3,127 |
| Pre-tax net operating income | $907,000 | 4,028 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $907,000 | 3,436 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $907,000 | 3,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,269 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $907,000 | 3,428 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,163,000 | 3,846 |
| Total interest expense | $501,000 | 5,114 |
| Net interest income | $1,662,000 | 3,264 |
| Provision for loan and lease losses | $250,000 | 918 |
| Total noninterest income | $184,000 | 4,160 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $69,000 | 4,247 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $115,000 | 3,456 |
| Total noninterest expense | $1,171,000 | 3,540 |
| Salaries and employee benefits | $640,000 | 3,586 |
| Premises and equipment expense | $137,000 | 4,043 |
| Additional noninterest expense | $394,000 | 3,177 |
| Pre-tax net operating income | $425,000 | 4,140 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $425,000 | 3,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $425,000 | 3,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 614 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $425,000 | 3,512 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,990,000 | 4,149 |
| Total interest expense | $1,326,000 | 5,565 |
| Net interest income | $5,664,000 | 3,593 |
| Provision for loan and lease losses | $746,000 | 1,349 |
| Total noninterest income | $599,000 | 4,788 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $287,000 | 4,293 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $312,000 | 4,253 |
| Total noninterest expense | $4,566,000 | 3,479 |
| Salaries and employee benefits | $2,510,000 | 3,469 |
| Premises and equipment expense | $569,000 | 3,817 |
| Additional noninterest expense | $1,487,000 | 3,252 |
| Pre-tax net operating income | $951,000 | 5,486 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $951,000 | 4,950 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $951,000 | 4,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $641,000 | 953 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $951,000 | 4,920 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,037,000 | 4,219 |
| Total interest expense | $926,000 | 5,653 |
| Net interest income | $4,111,000 | 3,677 |
| Provision for loan and lease losses | $526,000 | 1,341 |
| Total noninterest income | $500,000 | 4,544 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $227,000 | 4,182 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $273,000 | 3,965 |
| Total noninterest expense | $3,412,000 | 3,466 |
| Salaries and employee benefits | $1,887,000 | 3,441 |
| Premises and equipment expense | $415,000 | 3,864 |
| Additional noninterest expense | $1,110,000 | 3,232 |
| Pre-tax net operating income | $673,000 | 5,728 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $673,000 | 5,182 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $673,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 1,094 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $673,000 | 5,136 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,211,000 | 4,294 |
| Total interest expense | $581,000 | 5,648 |
| Net interest income | $2,630,000 | 3,768 |
| Provision for loan and lease losses | $270,000 | 1,671 |
| Total noninterest income | $326,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $153,000 | 4,109 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $173,000 | 4,019 |
| Total noninterest expense | $2,258,000 | 3,463 |
| Salaries and employee benefits | $1,253,000 | 3,433 |
| Premises and equipment expense | $260,000 | 4,027 |
| Additional noninterest expense | $745,000 | 3,196 |
| Pre-tax net operating income | $428,000 | 5,812 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $428,000 | 5,279 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $428,000 | 5,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $428,000 | 5,236 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 4,414 |
| Total interest expense | $279,000 | 5,671 |
| Net interest income | $1,253,000 | 3,918 |
| Provision for loan and lease losses | $135,000 | 1,592 |
| Total noninterest income | $191,000 | 4,090 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $74,000 | 4,114 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $117,000 | 3,447 |
| Total noninterest expense | $1,119,000 | 3,515 |
| Salaries and employee benefits | $634,000 | 3,404 |
| Premises and equipment expense | $122,000 | 4,262 |
| Additional noninterest expense | $363,000 | 3,266 |
| Pre-tax net operating income | $190,000 | 6,068 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $190,000 | 5,547 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $190,000 | 5,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 1,912 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $190,000 | 5,513 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,593,000 | 4,492 |
| Total interest expense | $918,000 | 5,896 |
| Net interest income | $4,675,000 | 4,006 |
| Provision for loan and lease losses | $460,000 | 2,096 |
| Total noninterest income | $460,000 | 5,473 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $334,000 | 4,057 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $126,000 | 6,018 |
| Total noninterest expense | $4,107,000 | 3,655 |
| Salaries and employee benefits | $2,233,000 | 3,658 |
| Premises and equipment expense | $513,000 | 4,007 |
| Additional noninterest expense | $1,361,000 | 3,386 |
| Pre-tax net operating income | $568,000 | 6,495 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $568,000 | 6,077 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $568,000 | 6,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,900 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $568,000 | 6,014 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,148,000 | 4,504 |
| Total interest expense | $684,000 | 5,893 |
| Net interest income | $3,464,000 | 4,043 |
| Provision for loan and lease losses | $295,000 | 2,304 |
| Total noninterest income | $358,000 | 5,410 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $257,000 | 4,034 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $101,000 | 5,900 |
| Total noninterest expense | $3,115,000 | 3,596 |
| Salaries and employee benefits | $1,721,000 | 3,564 |
| Premises and equipment expense | $382,000 | 4,004 |
| Additional noninterest expense | $1,012,000 | 3,391 |
| Pre-tax net operating income | $412,000 | 6,681 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $412,000 | 6,247 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $412,000 | 6,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,607 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $412,000 | 6,179 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,720,000 | 4,559 |
| Total interest expense | $457,000 | 5,905 |
| Net interest income | $2,263,000 | 4,109 |
| Provision for loan and lease losses | $190,000 | 2,297 |
| Total noninterest income | $249,000 | 5,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $172,000 | 4,025 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $77,000 | 5,665 |
| Total noninterest expense | $2,074,000 | 3,635 |
| Salaries and employee benefits | $1,156,000 | 3,558 |
| Premises and equipment expense | $253,000 | 4,030 |
| Additional noninterest expense | $665,000 | 3,441 |
| Pre-tax net operating income | $248,000 | 6,842 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $248,000 | 6,462 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $248,000 | 6,462 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,107 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $248,000 | 6,373 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,336,000 | 4,629 |
| Total interest expense | $228,000 | 5,963 |
| Net interest income | $1,108,000 | 4,162 |
| Provision for loan and lease losses | $80,000 | 2,465 |
| Total noninterest income | $117,000 | 5,396 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $82,000 | 4,055 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $35,000 | 5,821 |
| Total noninterest expense | $1,033,000 | 3,658 |
| Salaries and employee benefits | $574,000 | 3,598 |
| Premises and equipment expense | $125,000 | 4,106 |
| Additional noninterest expense | $334,000 | 3,426 |
| Pre-tax net operating income | $112,000 | 6,965 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $112,000 | 6,660 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 6,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $112,000 | 6,542 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,799,000 | 5,032 |
| Total interest expense | $916,000 | 6,361 |
| Net interest income | $3,883,000 | 4,445 |
| Provision for loan and lease losses | $241,000 | 3,608 |
| Total noninterest income | $667,000 | 4,675 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $361,000 | 3,871 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $306,000 | 4,469 |
| Total noninterest expense | $3,796,000 | 3,859 |
| Salaries and employee benefits | $2,065,000 | 3,820 |
| Premises and equipment expense | $390,000 | 4,807 |
| Additional noninterest expense | $1,341,000 | 3,407 |
| Pre-tax net operating income | $513,000 | 6,633 |
| Securities gains (losses) | $3,000 | 4,078 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $516,000 | 6,278 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $516,000 | 6,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,070 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $513,000 | 6,130 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,512,000 | 5,175 |
| Total interest expense | $702,000 | 6,450 |
| Net interest income | $2,810,000 | 4,588 |
| Provision for loan and lease losses | $175,000 | 3,642 |
| Total noninterest income | $458,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $269,000 | 3,905 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $189,000 | 4,911 |
| Total noninterest expense | $2,738,000 | 3,958 |
| Salaries and employee benefits | $1,493,000 | 3,933 |
| Premises and equipment expense | $266,000 | 5,120 |
| Additional noninterest expense | $979,000 | 3,456 |
| Pre-tax net operating income | $355,000 | 6,930 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $355,000 | 6,630 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $355,000 | 6,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,299 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $355,000 | 6,444 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,317,000 | 5,251 |
| Total interest expense | $490,000 | 6,452 |
| Net interest income | $1,827,000 | 4,664 |
| Provision for loan and lease losses | $100,000 | 3,841 |
| Total noninterest income | $282,000 | 5,150 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $187,000 | 3,774 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $95,000 | 5,412 |
| Total noninterest expense | $1,765,000 | 4,059 |
| Salaries and employee benefits | $959,000 | 4,047 |
| Premises and equipment expense | $176,000 | 5,120 |
| Additional noninterest expense | $630,000 | 3,571 |
| Pre-tax net operating income | $244,000 | 6,884 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $244,000 | 6,569 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $244,000 | 6,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,382 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $244,000 | 6,364 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 5,462 |
| Total interest expense | $254,000 | 6,450 |
| Net interest income | $841,000 | 4,913 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $154,000 | 4,825 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $89,000 | 3,826 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $65,000 | 4,760 |
| Total noninterest expense | $849,000 | 4,182 |
| Salaries and employee benefits | $471,000 | 4,084 |
| Premises and equipment expense | $91,000 | 5,012 |
| Additional noninterest expense | $287,000 | 3,789 |
| Pre-tax net operating income | $106,000 | 7,094 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $106,000 | 6,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 6,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,468 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $106,000 | 6,614 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,085,000 | 5,835 |
| Total interest expense | $960,000 | 7,042 |
| Net interest income | $3,125,000 | 5,169 |
| Provision for loan and lease losses | $243,000 | 3,923 |
| Total noninterest income | $489,000 | 5,281 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $318,000 | 4,101 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $171,000 | 5,328 |
| Total noninterest expense | $2,925,000 | 4,544 |
| Salaries and employee benefits | $1,564,000 | 4,533 |
| Premises and equipment expense | $312,000 | 5,443 |
| Additional noninterest expense | $1,049,000 | 4,016 |
| Pre-tax net operating income | $446,000 | 6,976 |
| Securities gains (losses) | $18,000 | 3,224 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $464,000 | 6,554 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $464,000 | 6,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,612 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $446,000 | 6,496 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,616,000 | 6,666 |
| Total interest expense | $1,250,000 | 7,514 |
| Net interest income | $2,366,000 | 5,905 |
| Provision for loan and lease losses | $145,000 | 4,861 |
| Total noninterest income | $417,000 | 5,570 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $58,000 | 7,433 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $359,000 | 3,758 |
| Total noninterest expense | $2,132,000 | 5,507 |
| Salaries and employee benefits | $1,137,000 | 5,519 |
| Premises and equipment expense | $249,000 | 6,100 |
| Additional noninterest expense | $746,000 | 5,029 |
| Pre-tax net operating income | $506,000 | 6,522 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $506,000 | 6,041 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $506,000 | 6,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,826 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $506,000 | 5,929 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 7,599 |
| Total interest expense | $935,000 | 8,369 |
| Net interest income | $1,874,000 | 6,768 |
| Provision for loan and lease losses | $152,000 | 4,371 |
| Total noninterest income | $139,000 | 8,053 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $34,000 | 8,004 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $105,000 | 6,317 |
| Total noninterest expense | $1,549,000 | 6,613 |
| Salaries and employee benefits | $854,000 | 6,487 |
| Premises and equipment expense | $0 | 9,865 |
| Additional noninterest expense | $695,000 | 5,205 |
| Pre-tax net operating income | $312,000 | 7,854 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $312,000 | 7,394 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $312,000 | 7,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $312,000 | 7,398 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,738,000 | 8,784 |
| Total interest expense | $567,000 | 9,292 |
| Net interest income | $1,171,000 | 8,256 |
| Provision for loan and lease losses | $24,000 | 7,475 |
| Total noninterest income | $78,000 | 9,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,716 |
| Total noninterest expense | $1,175,000 | 7,628 |
| Salaries and employee benefits | $598,000 | 7,766 |
| Premises and equipment expense | $173,000 | 7,268 |
| Additional noninterest expense | $404,000 | 7,233 |
| Pre-tax net operating income | $50,000 | 9,234 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $50,000 | 9,238 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $50,000 | 9,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,765 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $50,000 | 9,210 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $378,000 | 10,284 |
| Total interest expense | $123,000 | 10,276 |
| Net interest income | $255,000 | 10,252 |
| Provision for loan and lease losses | $58,000 | 6,364 |
| Total noninterest income | $10,000 | 10,291 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $8,000 | 10,056 |
| Total noninterest expense | $766,000 | 8,883 |
| Salaries and employee benefits | $278,000 | 9,737 |
| Premises and equipment expense | $100,000 | 8,699 |
| Additional noninterest expense | $388,000 | 7,318 |
| Pre-tax net operating income | $-559,000 | 10,216 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-559,000 | 10,255 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-559,000 | 10,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 275 |
| Net operating income | $-559,000 | 10,229 |
* 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.