Home > Valley Bank of Helena > Income and Expense
Valley Bank of Helena, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 1,659 |
| Total interest expense | $547,000 | 2,186 |
| Net interest income | $3,624,000 | 1,542 |
| Provision for loan and lease losses | $75,000 | 3,178 |
| Total noninterest income | $1,291,000 | 1,095 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $424,000 | 814 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $867,000 | 1,013 |
| Total noninterest expense | $2,457,000 | 1,953 |
| Salaries and employee benefits | $1,285,000 | 1,956 |
| Premises and equipment expense | $227,000 | 2,519 |
| Additional noninterest expense | $945,000 | 1,760 |
| Pre-tax net operating income | $2,383,000 | 769 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $657,000 | 698 |
| Income before extraordinary items | $1,726,000 | 866 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,726,000 | 866 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $1,726,000 | 867 |
| Net charge-offs | $-6,000 | 6,458 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $-83,000 | 7,272 |
| Net operating income | $1,726,000 | 813 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $16,910,000 | 1,676 |
| Total interest expense | $2,375,000 | 2,424 |
| Net interest income | $14,535,000 | 1,538 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $4,847,000 | 1,072 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,881,000 | 774 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,966,000 | 1,048 |
| Total noninterest expense | $9,520,000 | 2,006 |
| Salaries and employee benefits | $4,921,000 | 1,963 |
| Premises and equipment expense | $819,000 | 2,861 |
| Additional noninterest expense | $3,780,000 | 1,782 |
| Pre-tax net operating income | $9,862,000 | 634 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $2,778,000 | 613 |
| Income before extraordinary items | $7,084,000 | 720 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,084,000 | 720 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $7,084,000 | 720 |
| Net charge-offs | $435,000 | 3,339 |
| Cash dividends | $6,000,000 | 357 |
| Sale, conversion, retirement of capital stock, net | $-82,000 | 7,298 |
| Net operating income | $7,084,000 | 682 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,700,000 | 1,689 |
| Total interest expense | $1,780,000 | 2,510 |
| Net interest income | $10,920,000 | 1,541 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $3,435,000 | 1,124 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,387,000 | 797 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,048,000 | 1,100 |
| Total noninterest expense | $7,074,000 | 2,038 |
| Salaries and employee benefits | $3,660,000 | 1,978 |
| Premises and equipment expense | $579,000 | 3,014 |
| Additional noninterest expense | $2,835,000 | 1,792 |
| Pre-tax net operating income | $7,281,000 | 662 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $2,037,000 | 613 |
| Income before extraordinary items | $5,244,000 | 745 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,244,000 | 744 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $5,244,000 | 745 |
| Net charge-offs | $424,000 | 2,847 |
| Cash dividends | $4,500,000 | 317 |
| Sale, conversion, retirement of capital stock, net | $-82,000 | 7,386 |
| Net operating income | $5,244,000 | 711 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,338,000 | 1,739 |
| Total interest expense | $1,168,000 | 2,618 |
| Net interest income | $7,170,000 | 1,566 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $2,198,000 | 1,155 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $906,000 | 809 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,292,000 | 1,131 |
| Total noninterest expense | $4,714,000 | 2,051 |
| Salaries and employee benefits | $2,389,000 | 2,033 |
| Premises and equipment expense | $344,000 | 3,294 |
| Additional noninterest expense | $1,981,000 | 1,730 |
| Pre-tax net operating income | $4,654,000 | 678 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,332,000 | 600 |
| Income before extraordinary items | $3,322,000 | 766 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,322,000 | 763 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $3,322,000 | 766 |
| Net charge-offs | $158,000 | 3,344 |
| Cash dividends | $3,000,000 | 305 |
| Sale, conversion, retirement of capital stock, net | $-82,000 | 7,473 |
| Net operating income | $3,322,000 | 735 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,965,000 | 1,817 |
| Total interest expense | $567,000 | 2,758 |
| Net interest income | $3,398,000 | 1,645 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $1,059,000 | 1,162 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $432,000 | 834 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $627,000 | 1,148 |
| Total noninterest expense | $2,327,000 | 2,084 |
| Salaries and employee benefits | $1,201,000 | 2,035 |
| Premises and equipment expense | $181,000 | 3,225 |
| Additional noninterest expense | $945,000 | 1,791 |
| Pre-tax net operating income | $2,130,000 | 742 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $595,000 | 642 |
| Income before extraordinary items | $1,535,000 | 812 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,535,000 | 811 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,535,000 | 812 |
| Net charge-offs | $63,000 | 3,167 |
| Cash dividends | $1,500,000 | 267 |
| Sale, conversion, retirement of capital stock, net | $-82,000 | 7,545 |
| Net operating income | $1,535,000 | 795 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,445,000 | 1,839 |
| Total interest expense | $2,528,000 | 2,962 |
| Net interest income | $13,917,000 | 1,605 |
| Provision for loan and lease losses | $500,000 | 4,120 |
| Total noninterest income | $5,577,000 | 992 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,017,000 | 750 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,560,000 | 936 |
| Total noninterest expense | $9,242,000 | 2,088 |
| Salaries and employee benefits | $4,981,000 | 1,949 |
| Premises and equipment expense | $669,000 | 3,422 |
| Additional noninterest expense | $3,592,000 | 1,972 |
| Pre-tax net operating income | $9,752,000 | 569 |
| Securities gains (losses) | $978,000 | 501 |
| Applicable income taxes | $3,272,000 | 510 |
| Income before extraordinary items | $7,458,000 | 602 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,458,000 | 600 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $7,458,000 | 602 |
| Net charge-offs | $216,000 | 4,690 |
| Cash dividends | $6,000,000 | 278 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 927 |
| Net operating income | $6,773,400 | 638 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,488,000 | 1,857 |
| Total interest expense | $1,930,000 | 3,039 |
| Net interest income | $10,558,000 | 1,604 |
| Provision for loan and lease losses | $500,000 | 3,526 |
| Total noninterest income | $3,788,000 | 1,054 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,483,000 | 781 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,305,000 | 999 |
| Total noninterest expense | $6,741,000 | 2,149 |
| Salaries and employee benefits | $3,710,000 | 1,958 |
| Premises and equipment expense | $521,000 | 3,356 |
| Additional noninterest expense | $2,510,000 | 2,056 |
| Pre-tax net operating income | $7,105,000 | 597 |
| Securities gains (losses) | $523,000 | 709 |
| Applicable income taxes | $2,285,000 | 532 |
| Income before extraordinary items | $5,343,000 | 653 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $5,343,000 | 651 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $5,343,000 | 653 |
| Net charge-offs | $116,000 | 4,764 |
| Cash dividends | $4,500,000 | 245 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 879 |
| Net operating income | $4,976,900 | 665 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,315,000 | 1,885 |
| Total interest expense | $1,313,000 | 3,093 |
| Net interest income | $7,002,000 | 1,614 |
| Provision for loan and lease losses | $450,000 | 2,998 |
| Total noninterest income | $2,255,000 | 1,127 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $957,000 | 808 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,298,000 | 1,084 |
| Total noninterest expense | $4,349,000 | 2,218 |
| Salaries and employee benefits | $2,393,000 | 2,029 |
| Premises and equipment expense | $336,000 | 3,498 |
| Additional noninterest expense | $1,620,000 | 2,109 |
| Pre-tax net operating income | $4,458,000 | 625 |
| Securities gains (losses) | $381,000 | 593 |
| Applicable income taxes | $1,425,000 | 523 |
| Income before extraordinary items | $3,414,000 | 660 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $3,414,000 | 660 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $3,414,000 | 660 |
| Net charge-offs | $110,000 | 4,139 |
| Cash dividends | $3,000,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 802 |
| Net operating income | $3,143,490 | 690 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,108,000 | 1,948 |
| Total interest expense | $642,000 | 3,267 |
| Net interest income | $3,466,000 | 1,639 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $1,016,000 | 1,217 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $461,000 | 847 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $555,000 | 1,190 |
| Total noninterest expense | $2,105,000 | 2,319 |
| Salaries and employee benefits | $1,182,000 | 2,087 |
| Premises and equipment expense | $164,000 | 3,646 |
| Additional noninterest expense | $759,000 | 2,231 |
| Pre-tax net operating income | $2,077,000 | 659 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $580,000 | 634 |
| Income before extraordinary items | $1,497,000 | 746 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,497,000 | 749 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,497,000 | 750 |
| Net charge-offs | $33,000 | 4,071 |
| Cash dividends | $1,500,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 699 |
| Net operating income | $1,497,000 | 715 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,173,000 | 1,968 |
| Total interest expense | $2,777,000 | 3,626 |
| Net interest income | $14,396,000 | 1,558 |
| Provision for loan and lease losses | $1,200,000 | 3,210 |
| Total noninterest income | $5,298,000 | 1,046 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,044,000 | 844 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $3,254,000 | 992 |
| Total noninterest expense | $9,197,000 | 2,162 |
| Salaries and employee benefits | $5,110,000 | 1,929 |
| Premises and equipment expense | $711,000 | 3,409 |
| Additional noninterest expense | $3,376,000 | 2,121 |
| Pre-tax net operating income | $9,297,000 | 462 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $2,740,000 | 435 |
| Income before extraordinary items | $6,557,000 | 523 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,557,000 | 523 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $6,557,000 | 525 |
| Net charge-offs | $413,000 | 4,039 |
| Cash dividends | $7,500,000 | 244 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 837 |
| Net operating income | $6,557,000 | 520 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,690,000 | 2,040 |
| Total interest expense | $2,128,000 | 3,697 |
| Net interest income | $10,562,000 | 1,594 |
| Provision for loan and lease losses | $900,000 | 2,931 |
| Total noninterest income | $4,244,000 | 1,000 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,547,000 | 830 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $2,697,000 | 930 |
| Total noninterest expense | $7,024,000 | 2,128 |
| Salaries and employee benefits | $3,827,000 | 1,942 |
| Premises and equipment expense | $578,000 | 3,262 |
| Additional noninterest expense | $2,619,000 | 2,020 |
| Pre-tax net operating income | $6,882,000 | 492 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $2,021,000 | 466 |
| Income before extraordinary items | $4,861,000 | 555 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $4,861,000 | 557 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $4,861,000 | 557 |
| Net charge-offs | $349,000 | 3,506 |
| Cash dividends | $1,500,000 | 847 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 749 |
| Net operating income | $4,861,000 | 549 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,497,000 | 2,069 |
| Total interest expense | $1,460,000 | 3,742 |
| Net interest income | $7,037,000 | 1,592 |
| Provision for loan and lease losses | $600,000 | 2,697 |
| Total noninterest income | $2,944,000 | 979 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $997,000 | 842 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,947,000 | 903 |
| Total noninterest expense | $4,688,000 | 2,152 |
| Salaries and employee benefits | $2,561,000 | 1,972 |
| Premises and equipment expense | $345,000 | 3,561 |
| Additional noninterest expense | $1,782,000 | 2,001 |
| Pre-tax net operating income | $4,693,000 | 473 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,411,000 | 443 |
| Income before extraordinary items | $3,282,000 | 541 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,282,000 | 539 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $3,282,000 | 541 |
| Net charge-offs | $132,000 | 3,924 |
| Cash dividends | $1,000,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $70,000 | 707 |
| Net operating income | $3,282,000 | 521 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 2,051 |
| Total interest expense | $758,000 | 3,743 |
| Net interest income | $3,569,000 | 1,560 |
| Provision for loan and lease losses | $300,000 | 2,285 |
| Total noninterest income | $1,332,000 | 1,019 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $497,000 | 821 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $835,000 | 978 |
| Total noninterest expense | $2,209,000 | 2,217 |
| Salaries and employee benefits | $1,235,000 | 2,071 |
| Premises and equipment expense | $173,000 | 3,602 |
| Additional noninterest expense | $801,000 | 1,994 |
| Pre-tax net operating income | $2,392,000 | 491 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $721,000 | 457 |
| Income before extraordinary items | $1,671,000 | 600 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,671,000 | 601 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,671,000 | 603 |
| Net charge-offs | $42,000 | 3,719 |
| Cash dividends | $500,000 | 851 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 514 |
| Net operating income | $1,671,000 | 562 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,863,000 | 2,124 |
| Total interest expense | $4,793,000 | 3,073 |
| Net interest income | $13,070,000 | 1,700 |
| Provision for loan and lease losses | $810,000 | 3,024 |
| Total noninterest income | $4,083,000 | 1,257 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,142,000 | 820 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,941,000 | 1,325 |
| Total noninterest expense | $8,573,000 | 2,232 |
| Salaries and employee benefits | $4,714,000 | 2,150 |
| Premises and equipment expense | $639,000 | 3,737 |
| Additional noninterest expense | $3,220,000 | 1,899 |
| Pre-tax net operating income | $7,770,000 | 720 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $2,251,000 | 610 |
| Income before extraordinary items | $5,519,000 | 733 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,519,000 | 733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 4,665 |
| Cash dividends | $1,500,000 | 1,715 |
| Sale, conversion, retirement of capital stock, net | $260,000 | 703 |
| Net operating income | $5,519,000 | 785 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,440,000 | 2,174 |
| Total interest expense | $3,839,000 | 3,011 |
| Net interest income | $9,601,000 | 1,753 |
| Provision for loan and lease losses | $360,000 | 3,240 |
| Total noninterest income | $3,121,000 | 1,270 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,616,000 | 826 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,505,000 | 1,363 |
| Total noninterest expense | $6,382,000 | 2,242 |
| Salaries and employee benefits | $3,598,000 | 2,135 |
| Premises and equipment expense | $461,000 | 3,876 |
| Additional noninterest expense | $2,323,000 | 1,900 |
| Pre-tax net operating income | $5,980,000 | 854 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,737,000 | 732 |
| Income before extraordinary items | $4,243,000 | 864 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,243,000 | 863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,369 |
| Cash dividends | $1,500,000 | 1,298 |
| Sale, conversion, retirement of capital stock, net | $214,000 | 554 |
| Net operating income | $4,243,000 | 923 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,881,000 | 2,215 |
| Total interest expense | $2,623,000 | 3,053 |
| Net interest income | $6,258,000 | 1,792 |
| Provision for loan and lease losses | $240,000 | 2,857 |
| Total noninterest income | $2,122,000 | 1,269 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,063,000 | 812 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,059,000 | 1,341 |
| Total noninterest expense | $4,230,000 | 2,254 |
| Salaries and employee benefits | $2,408,000 | 2,155 |
| Premises and equipment expense | $289,000 | 4,070 |
| Additional noninterest expense | $1,533,000 | 1,880 |
| Pre-tax net operating income | $3,910,000 | 908 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,199,000 | 805 |
| Income before extraordinary items | $2,711,000 | 1,013 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,711,000 | 1,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 4,229 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $142,000 | 484 |
| Net operating income | $2,711,000 | 999 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,440,000 | 2,270 |
| Total interest expense | $1,427,000 | 3,020 |
| Net interest income | $3,013,000 | 1,859 |
| Provision for loan and lease losses | $120,000 | 2,457 |
| Total noninterest income | $962,000 | 1,369 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $503,000 | 855 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $459,000 | 1,499 |
| Total noninterest expense | $2,070,000 | 2,302 |
| Salaries and employee benefits | $1,188,000 | 2,214 |
| Premises and equipment expense | $148,000 | 4,024 |
| Additional noninterest expense | $734,000 | 1,918 |
| Pre-tax net operating income | $1,785,000 | 1,071 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $535,000 | 958 |
| Income before extraordinary items | $1,250,000 | 1,207 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,250,000 | 1,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $91,000 | 342 |
| Net operating income | $1,250,000 | 1,164 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,806,000 | 2,315 |
| Total interest expense | $6,751,000 | 2,714 |
| Net interest income | $11,055,000 | 2,054 |
| Provision for loan and lease losses | $405,000 | 2,674 |
| Total noninterest income | $4,117,000 | 1,274 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $2,073,000 | 862 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,044,000 | 1,348 |
| Total noninterest expense | $8,101,000 | 2,260 |
| Salaries and employee benefits | $4,513,000 | 2,231 |
| Premises and equipment expense | $565,000 | 4,011 |
| Additional noninterest expense | $3,023,000 | 1,824 |
| Pre-tax net operating income | $6,666,000 | 1,271 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,956,000 | 1,155 |
| Income before extraordinary items | $4,710,000 | 1,368 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,710,000 | 1,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,824 |
| Cash dividends | $2,000,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $344,000 | 612 |
| Net operating income | $4,710,000 | 1,355 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,259,000 | 2,342 |
| Total interest expense | $5,106,000 | 2,701 |
| Net interest income | $8,153,000 | 2,094 |
| Provision for loan and lease losses | $360,000 | 2,007 |
| Total noninterest income | $3,133,000 | 1,258 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,529,000 | 862 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,604,000 | 1,319 |
| Total noninterest expense | $6,073,000 | 2,242 |
| Salaries and employee benefits | $3,442,000 | 2,192 |
| Premises and equipment expense | $403,000 | 4,145 |
| Additional noninterest expense | $2,228,000 | 1,809 |
| Pre-tax net operating income | $4,853,000 | 1,397 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,418,000 | 1,286 |
| Income before extraordinary items | $3,435,000 | 1,481 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,435,000 | 1,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,889 |
| Cash dividends | $1,500,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $319,000 | 492 |
| Net operating income | $3,435,000 | 1,470 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,686,000 | 2,394 |
| Total interest expense | $3,340,000 | 2,729 |
| Net interest income | $5,346,000 | 2,158 |
| Provision for loan and lease losses | $270,000 | 1,691 |
| Total noninterest income | $1,994,000 | 1,330 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $990,000 | 902 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,004,000 | 1,398 |
| Total noninterest expense | $3,997,000 | 2,284 |
| Salaries and employee benefits | $2,270,000 | 2,258 |
| Premises and equipment expense | $256,000 | 4,316 |
| Additional noninterest expense | $1,471,000 | 1,842 |
| Pre-tax net operating income | $3,073,000 | 1,512 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $881,000 | 1,399 |
| Income before extraordinary items | $2,192,000 | 1,596 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,192,000 | 1,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,279 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $244,000 | 417 |
| Net operating income | $2,192,000 | 1,579 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,196,000 | 2,458 |
| Total interest expense | $1,607,000 | 2,812 |
| Net interest income | $2,589,000 | 2,217 |
| Provision for loan and lease losses | $135,000 | 1,618 |
| Total noninterest income | $923,000 | 1,386 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $461,000 | 939 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $462,000 | 1,445 |
| Total noninterest expense | $1,933,000 | 2,359 |
| Salaries and employee benefits | $1,069,000 | 2,396 |
| Premises and equipment expense | $127,000 | 4,340 |
| Additional noninterest expense | $737,000 | 1,813 |
| Pre-tax net operating income | $1,444,000 | 1,586 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $404,000 | 1,510 |
| Income before extraordinary items | $1,040,000 | 1,655 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,040,000 | 1,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $114,000 | 325 |
| Net operating income | $1,040,000 | 1,642 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,544,000 | 2,476 |
| Total interest expense | $5,452,000 | 2,815 |
| Net interest income | $10,092,000 | 2,271 |
| Provision for loan and lease losses | $485,000 | 1,951 |
| Total noninterest income | $3,590,000 | 1,398 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,733,000 | 1,026 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,857,000 | 1,440 |
| Total noninterest expense | $7,544,000 | 2,347 |
| Salaries and employee benefits | $4,073,000 | 2,408 |
| Premises and equipment expense | $559,000 | 3,967 |
| Additional noninterest expense | $2,912,000 | 1,809 |
| Pre-tax net operating income | $5,653,000 | 1,704 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,625,000 | 1,554 |
| Income before extraordinary items | $4,028,000 | 1,775 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,028,000 | 1,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,669 |
| Cash dividends | $2,200,000 | 1,408 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 681 |
| Net operating income | $4,028,000 | 1,757 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,350,000 | 2,528 |
| Total interest expense | $3,836,000 | 2,884 |
| Net interest income | $7,514,000 | 2,307 |
| Provision for loan and lease losses | $350,000 | 1,901 |
| Total noninterest income | $2,670,000 | 1,430 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,264,000 | 1,052 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,406,000 | 1,426 |
| Total noninterest expense | $5,597,000 | 2,373 |
| Salaries and employee benefits | $3,016,000 | 2,432 |
| Premises and equipment expense | $420,000 | 3,981 |
| Additional noninterest expense | $2,161,000 | 1,793 |
| Pre-tax net operating income | $4,237,000 | 1,756 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,186,000 | 1,663 |
| Income before extraordinary items | $3,051,000 | 1,806 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,051,000 | 1,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 7,955 |
| Cash dividends | $1,600,000 | 1,361 |
| Sale, conversion, retirement of capital stock, net | $228,000 | 568 |
| Net operating income | $3,051,000 | 1,786 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,371,000 | 2,552 |
| Total interest expense | $2,388,000 | 2,933 |
| Net interest income | $4,983,000 | 2,333 |
| Provision for loan and lease losses | $215,000 | 1,989 |
| Total noninterest income | $1,703,000 | 1,474 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $828,000 | 1,068 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $875,000 | 1,501 |
| Total noninterest expense | $3,598,000 | 2,457 |
| Salaries and employee benefits | $1,876,000 | 2,579 |
| Premises and equipment expense | $288,000 | 3,888 |
| Additional noninterest expense | $1,434,000 | 1,820 |
| Pre-tax net operating income | $2,873,000 | 1,721 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $798,000 | 1,664 |
| Income before extraordinary items | $2,075,000 | 1,755 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,075,000 | 1,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,021 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,075,000 | 1,745 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,554,000 | 2,586 |
| Total interest expense | $1,119,000 | 2,976 |
| Net interest income | $2,435,000 | 2,379 |
| Provision for loan and lease losses | $80,000 | 2,332 |
| Total noninterest income | $789,000 | 1,533 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $392,000 | 1,103 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $397,000 | 1,588 |
| Total noninterest expense | $1,762,000 | 2,517 |
| Salaries and employee benefits | $915,000 | 2,646 |
| Premises and equipment expense | $152,000 | 3,747 |
| Additional noninterest expense | $695,000 | 1,880 |
| Pre-tax net operating income | $1,382,000 | 1,752 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $376,000 | 1,734 |
| Income before extraordinary items | $1,006,000 | 1,778 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,006,000 | 1,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,006,000 | 1,763 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,069,000 | 2,524 |
| Total interest expense | $3,471,000 | 2,964 |
| Net interest income | $9,598,000 | 2,304 |
| Provision for loan and lease losses | $375,000 | 2,387 |
| Total noninterest income | $3,218,000 | 1,517 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,626,000 | 1,089 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,592,000 | 1,591 |
| Total noninterest expense | $6,702,000 | 2,485 |
| Salaries and employee benefits | $3,340,000 | 2,708 |
| Premises and equipment expense | $534,000 | 3,990 |
| Additional noninterest expense | $2,828,000 | 1,781 |
| Pre-tax net operating income | $5,739,000 | 1,634 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $1,783,000 | 1,494 |
| Income before extraordinary items | $3,960,000 | 1,759 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,960,000 | 1,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,212 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,957,240 | 1,730 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,658,000 | 2,496 |
| Total interest expense | $2,502,000 | 2,928 |
| Net interest income | $7,156,000 | 2,288 |
| Provision for loan and lease losses | $375,000 | 1,807 |
| Total noninterest income | $2,341,000 | 1,554 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,212,000 | 1,093 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,129,000 | 1,658 |
| Total noninterest expense | $4,872,000 | 2,530 |
| Salaries and employee benefits | $2,445,000 | 2,726 |
| Premises and equipment expense | $391,000 | 4,034 |
| Additional noninterest expense | $2,036,000 | 1,832 |
| Pre-tax net operating income | $4,250,000 | 1,671 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $1,316,000 | 1,532 |
| Income before extraordinary items | $2,938,000 | 1,782 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,938,000 | 1,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,251 |
| Cash dividends | $1,500,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,935,240 | 1,752 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,370,000 | 2,471 |
| Total interest expense | $1,597,000 | 2,903 |
| Net interest income | $4,773,000 | 2,270 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $1,526,000 | 1,572 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $801,000 | 1,079 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $725,000 | 1,699 |
| Total noninterest expense | $3,172,000 | 2,568 |
| Salaries and employee benefits | $1,589,000 | 2,775 |
| Premises and equipment expense | $263,000 | 3,989 |
| Additional noninterest expense | $1,320,000 | 1,867 |
| Pre-tax net operating income | $2,887,000 | 1,618 |
| Securities gains (losses) | $4,000 | 1,659 |
| Applicable income taxes | $897,000 | 1,489 |
| Income before extraordinary items | $1,994,000 | 1,720 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,994,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,487 |
| Cash dividends | $1,000,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,991,240 | 1,694 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,125,000 | 2,477 |
| Total interest expense | $783,000 | 2,848 |
| Net interest income | $2,342,000 | 2,291 |
| Provision for loan and lease losses | $105,000 | 1,941 |
| Total noninterest income | $655,000 | 1,755 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $372,000 | 1,118 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $283,000 | 1,963 |
| Total noninterest expense | $1,492,000 | 2,730 |
| Salaries and employee benefits | $762,000 | 2,888 |
| Premises and equipment expense | $134,000 | 3,988 |
| Additional noninterest expense | $596,000 | 2,062 |
| Pre-tax net operating income | $1,400,000 | 1,622 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $431,000 | 1,531 |
| Income before extraordinary items | $969,000 | 1,734 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $969,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 1,591 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $969,000 | 1,702 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,654,000 | 2,464 |
| Total interest expense | $2,540,000 | 3,019 |
| Net interest income | $9,114,000 | 2,239 |
| Provision for loan and lease losses | $440,000 | 2,189 |
| Total noninterest income | $2,601,000 | 1,811 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,359,000 | 1,310 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,242,000 | 1,859 |
| Total noninterest expense | $5,946,000 | 2,679 |
| Salaries and employee benefits | $2,907,000 | 2,915 |
| Premises and equipment expense | $451,000 | 4,396 |
| Additional noninterest expense | $2,588,000 | 1,878 |
| Pre-tax net operating income | $5,329,000 | 1,597 |
| Securities gains (losses) | $50,000 | 1,738 |
| Applicable income taxes | $1,632,000 | 1,515 |
| Income before extraordinary items | $3,747,000 | 1,715 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,747,000 | 1,716 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 3,086 |
| Cash dividends | $2,000,000 | 1,347 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,712,000 | 1,682 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,657,000 | 2,448 |
| Total interest expense | $1,833,000 | 3,059 |
| Net interest income | $6,824,000 | 2,217 |
| Provision for loan and lease losses | $350,000 | 2,001 |
| Total noninterest income | $1,885,000 | 1,870 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $986,000 | 1,358 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $899,000 | 1,918 |
| Total noninterest expense | $4,370,000 | 2,696 |
| Salaries and employee benefits | $2,186,000 | 2,893 |
| Premises and equipment expense | $327,000 | 4,506 |
| Additional noninterest expense | $1,857,000 | 1,936 |
| Pre-tax net operating income | $3,989,000 | 1,616 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,211,000 | 1,535 |
| Income before extraordinary items | $2,778,000 | 1,745 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,778,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,710 |
| Cash dividends | $1,500,000 | 1,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,778,000 | 1,694 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,691,000 | 2,464 |
| Total interest expense | $1,181,000 | 3,125 |
| Net interest income | $4,510,000 | 2,218 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $1,174,000 | 1,954 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $624,000 | 1,414 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $550,000 | 2,043 |
| Total noninterest expense | $2,826,000 | 2,774 |
| Salaries and employee benefits | $1,442,000 | 2,936 |
| Premises and equipment expense | $210,000 | 4,621 |
| Additional noninterest expense | $1,174,000 | 2,053 |
| Pre-tax net operating income | $2,618,000 | 1,604 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $788,000 | 1,546 |
| Income before extraordinary items | $1,830,000 | 1,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,830,000 | 1,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,302 |
| Cash dividends | $1,000,000 | 1,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,830,000 | 1,685 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,870,000 | 2,448 |
| Total interest expense | $595,000 | 3,139 |
| Net interest income | $2,275,000 | 2,199 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $520,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $265,000 | 1,608 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $255,000 | 2,104 |
| Total noninterest expense | $1,392,000 | 2,823 |
| Salaries and employee benefits | $721,000 | 2,944 |
| Premises and equipment expense | $103,000 | 4,692 |
| Additional noninterest expense | $568,000 | 2,085 |
| Pre-tax net operating income | $1,283,000 | 1,623 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $385,000 | 1,613 |
| Income before extraordinary items | $898,000 | 1,746 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $898,000 | 1,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,952 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $898,000 | 1,662 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,720,000 | 2,642 |
| Total interest expense | $2,665,000 | 3,183 |
| Net interest income | $8,055,000 | 2,417 |
| Provision for loan and lease losses | $630,000 | 1,774 |
| Total noninterest income | $2,603,000 | 1,888 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $926,000 | 1,865 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,677,000 | 1,662 |
| Total noninterest expense | $5,395,000 | 2,867 |
| Salaries and employee benefits | $2,745,000 | 3,004 |
| Premises and equipment expense | $405,000 | 4,697 |
| Additional noninterest expense | $2,245,000 | 2,146 |
| Pre-tax net operating income | $4,633,000 | 1,741 |
| Securities gains (losses) | $766,000 | 570 |
| Applicable income taxes | $1,754,000 | 1,413 |
| Income before extraordinary items | $3,645,000 | 1,706 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,645,000 | 1,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $359,000 | 2,000 |
| Cash dividends | $1,500,000 | 1,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,124,120 | 1,877 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,954,000 | 2,704 |
| Total interest expense | $2,046,000 | 3,228 |
| Net interest income | $5,908,000 | 2,478 |
| Provision for loan and lease losses | $495,000 | 1,677 |
| Total noninterest income | $2,066,000 | 1,849 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $693,000 | 1,871 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,373,000 | 1,633 |
| Total noninterest expense | $4,094,000 | 2,838 |
| Salaries and employee benefits | $2,096,000 | 2,967 |
| Premises and equipment expense | $303,000 | 4,685 |
| Additional noninterest expense | $1,695,000 | 2,122 |
| Pre-tax net operating income | $3,385,000 | 1,848 |
| Securities gains (losses) | $766,000 | 522 |
| Applicable income taxes | $1,390,000 | 1,428 |
| Income before extraordinary items | $2,761,000 | 1,740 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,761,000 | 1,741 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,594 |
| Cash dividends | $1,000,000 | 1,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,247,780 | 1,994 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,261,000 | 2,754 |
| Total interest expense | $1,398,000 | 3,247 |
| Net interest income | $3,863,000 | 2,518 |
| Provision for loan and lease losses | $360,000 | 1,536 |
| Total noninterest income | $1,366,000 | 1,847 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $447,000 | 1,897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $919,000 | 1,616 |
| Total noninterest expense | $2,699,000 | 2,863 |
| Salaries and employee benefits | $1,390,000 | 2,985 |
| Premises and equipment expense | $198,000 | 4,733 |
| Additional noninterest expense | $1,111,000 | 2,154 |
| Pre-tax net operating income | $2,170,000 | 1,905 |
| Securities gains (losses) | $761,000 | 440 |
| Applicable income taxes | $1,014,000 | 1,359 |
| Income before extraordinary items | $1,917,000 | 1,691 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,917,000 | 1,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,447 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,422,350 | 2,095 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,617,000 | 2,783 |
| Total interest expense | $722,000 | 3,228 |
| Net interest income | $1,895,000 | 2,565 |
| Provision for loan and lease losses | $180,000 | 1,475 |
| Total noninterest income | $625,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $223,000 | 1,831 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $402,000 | 1,732 |
| Total noninterest expense | $1,284,000 | 2,971 |
| Salaries and employee benefits | $678,000 | 3,032 |
| Premises and equipment expense | $101,000 | 4,667 |
| Additional noninterest expense | $505,000 | 2,320 |
| Pre-tax net operating income | $1,056,000 | 1,942 |
| Securities gains (losses) | $4,000 | 2,461 |
| Applicable income taxes | $347,000 | 1,831 |
| Income before extraordinary items | $713,000 | 2,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $713,000 | 2,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,019 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $710,320 | 2,052 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,069,000 | 2,754 |
| Total interest expense | $3,410,000 | 3,185 |
| Net interest income | $7,659,000 | 2,497 |
| Provision for loan and lease losses | $1,335,000 | 1,034 |
| Total noninterest income | $2,135,000 | 2,022 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $881,000 | 1,824 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,254,000 | 1,883 |
| Total noninterest expense | $5,327,000 | 2,760 |
| Salaries and employee benefits | $2,696,000 | 2,912 |
| Premises and equipment expense | $430,000 | 4,397 |
| Additional noninterest expense | $2,201,000 | 2,105 |
| Pre-tax net operating income | $3,132,000 | 2,409 |
| Securities gains (losses) | $235,000 | 1,065 |
| Applicable income taxes | $1,053,000 | 2,130 |
| Income before extraordinary items | $2,314,000 | 2,500 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,314,000 | 2,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,314,000 | 758 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,151,850 | 2,558 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,084,000 | 3,282 |
| Total interest expense | $3,726,000 | 4,022 |
| Net interest income | $6,358,000 | 2,796 |
| Provision for loan and lease losses | $365,000 | 2,800 |
| Total noninterest income | $1,621,000 | 2,357 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $681,000 | 2,195 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $940,000 | 2,138 |
| Total noninterest expense | $4,537,000 | 3,068 |
| Salaries and employee benefits | $2,288,000 | 3,207 |
| Premises and equipment expense | $431,000 | 4,372 |
| Additional noninterest expense | $1,818,000 | 2,446 |
| Pre-tax net operating income | $3,077,000 | 2,209 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,114,000 | 1,921 |
| Income before extraordinary items | $1,963,000 | 2,578 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,963,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 2,328 |
| Cash dividends | $500,000 | 3,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,963,000 | 2,499 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,287,000 | 4,435 |
| Total interest expense | $2,839,000 | 5,129 |
| Net interest income | $4,448,000 | 3,836 |
| Provision for loan and lease losses | $205,000 | 3,684 |
| Total noninterest income | $1,119,000 | 2,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $562,000 | 2,433 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $557,000 | 2,763 |
| Total noninterest expense | $3,488,000 | 3,712 |
| Salaries and employee benefits | $1,561,000 | 4,219 |
| Premises and equipment expense | $333,000 | 5,104 |
| Additional noninterest expense | $1,594,000 | 2,662 |
| Pre-tax net operating income | $1,874,000 | 3,480 |
| Securities gains (losses) | $5,000 | 1,371 |
| Applicable income taxes | $657,000 | 2,937 |
| Income before extraordinary items | $1,222,000 | 3,812 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,222,000 | 3,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,825 |
| Cash dividends | $1,000,000 | 2,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,218,750 | 3,803 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,420,000 | 4,721 |
| Total interest expense | $2,321,000 | 5,460 |
| Net interest income | $4,099,000 | 4,088 |
| Provision for loan and lease losses | $155,000 | 4,177 |
| Total noninterest income | $1,005,000 | 3,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $539,000 | 2,458 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $466,000 | 3,090 |
| Total noninterest expense | $2,974,000 | 4,243 |
| Salaries and employee benefits | $1,456,000 | 4,438 |
| Premises and equipment expense | $366,000 | 4,819 |
| Additional noninterest expense | $1,152,000 | 3,573 |
| Pre-tax net operating income | $1,975,000 | 3,377 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $731,000 | 2,825 |
| Income before extraordinary items | $1,245,000 | 3,758 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,245,000 | 3,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,618 |
| Cash dividends | $480,000 | 3,607 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,244,360 | 3,731 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,108,000 | 4,935 |
| Total interest expense | $2,280,000 | 5,692 |
| Net interest income | $3,828,000 | 4,273 |
| Provision for loan and lease losses | $85,000 | 5,461 |
| Total noninterest income | $1,018,000 | 3,034 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $525,000 | 2,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $493,000 | 3,010 |
| Total noninterest expense | $2,994,000 | 4,129 |
| Salaries and employee benefits | $1,409,000 | 4,479 |
| Premises and equipment expense | $376,000 | 4,640 |
| Additional noninterest expense | $1,209,000 | 3,348 |
| Pre-tax net operating income | $1,767,000 | 3,689 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $659,000 | 3,167 |
| Income before extraordinary items | $1,110,000 | 4,156 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,110,000 | 4,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,015 |
| Cash dividends | $401,000 | 3,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,108,720 | 4,066 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,770,000 | 5,209 |
| Total interest expense | $2,234,000 | 5,821 |
| Net interest income | $3,536,000 | 4,696 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $870,000 | 3,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $499,000 | 2,627 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $371,000 | 3,446 |
| Total noninterest expense | $2,698,000 | 4,478 |
| Salaries and employee benefits | $1,279,000 | 4,840 |
| Premises and equipment expense | $323,000 | 5,191 |
| Additional noninterest expense | $1,096,000 | 3,607 |
| Pre-tax net operating income | $1,648,000 | 4,136 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $614,000 | 3,606 |
| Income before extraordinary items | $1,034,000 | 4,585 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,034,000 | 4,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,548 |
| Cash dividends | $352,000 | 4,214 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,034,000 | 4,524 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,110,000 | 5,842 |
| Total interest expense | $1,958,000 | 6,494 |
| Net interest income | $3,152,000 | 5,249 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $852,000 | 3,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $499,000 | 2,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $353,000 | 3,675 |
| Total noninterest expense | $2,531,000 | 4,954 |
| Salaries and employee benefits | $1,164,000 | 5,339 |
| Premises and equipment expense | $317,000 | 5,368 |
| Additional noninterest expense | $1,050,000 | 4,233 |
| Pre-tax net operating income | $1,473,000 | 4,403 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $549,000 | 3,849 |
| Income before extraordinary items | $923,000 | 4,782 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $923,000 | 4,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $324,000 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $923,640 | 4,730 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,391,000 | 6,577 |
| Total interest expense | $1,656,000 | 7,260 |
| Net interest income | $2,735,000 | 5,912 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $810,000 | 3,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $472,000 | 2,874 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $338,000 | 3,708 |
| Total noninterest expense | $2,286,000 | 5,388 |
| Salaries and employee benefits | $990,000 | 6,119 |
| Premises and equipment expense | $245,000 | 6,430 |
| Additional noninterest expense | $1,051,000 | 4,184 |
| Pre-tax net operating income | $1,259,000 | 5,089 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $452,000 | 4,514 |
| Income before extraordinary items | $790,000 | 5,494 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $790,000 | 5,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 3,027 |
| Cash dividends | $297,000 | 4,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $800,880 | 5,420 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,695,000 | 7,076 |
| Total interest expense | $1,367,000 | 7,324 |
| Net interest income | $2,328,000 | 6,801 |
| Provision for loan and lease losses | $-26,000 | 11,884 |
| Total noninterest income | $789,000 | 3,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $360,000 | 3,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $429,000 | 3,265 |
| Total noninterest expense | $2,089,000 | 5,992 |
| Salaries and employee benefits | $921,000 | 6,506 |
| Premises and equipment expense | $204,000 | 7,342 |
| Additional noninterest expense | $964,000 | 4,862 |
| Pre-tax net operating income | $1,054,000 | 5,736 |
| Securities gains (losses) | $-17,000 | 10,215 |
| Applicable income taxes | $361,000 | 5,140 |
| Income before extraordinary items | $676,000 | 6,048 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $676,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 11,066 |
| Cash dividends | $220,000 | 5,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $687,050 | 6,052 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,485,000 | 7,553 |
| Total interest expense | $1,277,000 | 7,974 |
| Net interest income | $2,208,000 | 7,165 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $861,000 | 3,759 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $327,000 | 4,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $534,000 | 3,122 |
| Total noninterest expense | $1,946,000 | 6,478 |
| Salaries and employee benefits | $890,000 | 6,774 |
| Premises and equipment expense | $287,000 | 6,076 |
| Additional noninterest expense | $769,000 | 6,116 |
| Pre-tax net operating income | $1,123,000 | 5,435 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $388,000 | 5,118 |
| Income before extraordinary items | $735,000 | 5,906 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $735,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 7,578 |
| Cash dividends | $209,000 | 5,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $735,000 | 5,648 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,744,000 | 7,843 |
| Total interest expense | $1,628,000 | 8,113 |
| Net interest income | $2,116,000 | 7,455 |
| Provision for loan and lease losses | $231,000 | 4,835 |
| Total noninterest income | $709,000 | 4,371 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $335,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $374,000 | 3,857 |
| Total noninterest expense | $1,832,000 | 6,846 |
| Salaries and employee benefits | $887,000 | 6,693 |
| Premises and equipment expense | $316,000 | 5,755 |
| Additional noninterest expense | $629,000 | 7,263 |
| Pre-tax net operating income | $762,000 | 6,758 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $298,000 | 5,950 |
| Income before extraordinary items | $495,000 | 7,379 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $495,000 | 7,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 3,859 |
| Cash dividends | $110,000 | 6,380 |
| Sale, conversion, retirement of capital stock, net | $240,000 | 695 |
| Net operating income | $475,160 | 7,167 |
* 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.