Home > Valley Bank & Trust > Income and Expense
Valley Bank & Trust, Income and Expense
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,085,000 | 6,874 |
| Total interest expense | $214,000 | 6,706 |
| Net interest income | $871,000 | 6,870 |
| Provision for loan and lease losses | $118,000 | 4,799 |
| Total noninterest income | $116,000 | 6,130 |
| Gross Fiduciary activities income | $3,000 | 1,135 |
| Service charges on deposit accounts | $79,000 | 5,478 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $34,000 | 6,085 |
| Total noninterest expense | $732,000 | 6,901 |
| Salaries and employee benefits | $427,000 | 6,795 |
| Premises and equipment expense | $136,000 | 6,202 |
| Additional noninterest expense | $169,000 | 7,129 |
| Pre-tax net operating income | $137,000 | 5,684 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $7,000 | 4,338 |
| Income before extraordinary items | $130,000 | 5,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $130,000 | 5,783 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $130,000 | 5,783 |
| Net charge-offs | $60,000 | 4,847 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $130,000 | 5,643 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $723,000 | 6,937 |
| Total interest expense | $147,000 | 6,766 |
| Net interest income | $576,000 | 6,929 |
| Provision for loan and lease losses | $95,000 | 4,453 |
| Total noninterest income | $70,000 | 6,280 |
| Gross Fiduciary activities income | $3,000 | 1,112 |
| Service charges on deposit accounts | $54,000 | 5,436 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 6,489 |
| Total noninterest expense | $483,000 | 6,975 |
| Salaries and employee benefits | $285,000 | 6,864 |
| Premises and equipment expense | $84,000 | 6,363 |
| Additional noninterest expense | $114,000 | 7,192 |
| Pre-tax net operating income | $68,000 | 5,841 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $5,000 | 4,311 |
| Income before extraordinary items | $63,000 | 5,929 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $63,000 | 5,928 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $63,000 | 5,929 |
| Net charge-offs | $-32,000 | 7,249 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $63,000 | 5,846 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $363,000 | 6,977 |
| Total interest expense | $77,000 | 6,807 |
| Net interest income | $286,000 | 6,968 |
| Provision for loan and lease losses | $22,000 | 4,949 |
| Total noninterest income | $35,000 | 6,329 |
| Gross Fiduciary activities income | $3,000 | 1,053 |
| Service charges on deposit accounts | $25,000 | 5,503 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,000 | 6,570 |
| Total noninterest expense | $239,000 | 7,043 |
| Salaries and employee benefits | $143,000 | 6,897 |
| Premises and equipment expense | $44,000 | 6,344 |
| Additional noninterest expense | $52,000 | 7,313 |
| Pre-tax net operating income | $60,000 | 5,619 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $3,000 | 4,206 |
| Income before extraordinary items | $57,000 | 5,599 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $57,000 | 5,598 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $57,000 | 5,599 |
| Net charge-offs | $-21,000 | 7,208 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $57,000 | 5,547 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,653,000 | 6,950 |
| Total interest expense | $339,000 | 6,951 |
| Net interest income | $1,314,000 | 6,873 |
| Provision for loan and lease losses | $345,000 | 4,668 |
| Total noninterest income | $147,000 | 6,307 |
| Gross Fiduciary activities income | $3,000 | 1,259 |
| Service charges on deposit accounts | $114,000 | 5,314 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $30,000 | 6,418 |
| Total noninterest expense | $964,000 | 7,114 |
| Salaries and employee benefits | $573,000 | 6,981 |
| Premises and equipment expense | $172,000 | 6,450 |
| Additional noninterest expense | $219,000 | 7,356 |
| Pre-tax net operating income | $152,000 | 5,331 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $8,000 | 4,266 |
| Income before extraordinary items | $144,000 | 5,476 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $144,000 | 5,476 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $144,000 | 5,477 |
| Net charge-offs | $243,000 | 4,556 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $144,000 | 5,341 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,255,000 | 7,050 |
| Total interest expense | $257,000 | 7,069 |
| Net interest income | $998,000 | 6,959 |
| Provision for loan and lease losses | $243,000 | 4,623 |
| Total noninterest income | $103,000 | 6,507 |
| Gross Fiduciary activities income | $3,000 | 1,206 |
| Service charges on deposit accounts | $83,000 | 5,435 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $17,000 | 6,740 |
| Total noninterest expense | $715,000 | 7,192 |
| Salaries and employee benefits | $422,000 | 7,073 |
| Premises and equipment expense | $131,000 | 6,509 |
| Additional noninterest expense | $162,000 | 7,448 |
| Pre-tax net operating income | $143,000 | 5,451 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $4,000 | 4,431 |
| Income before extraordinary items | $139,000 | 5,565 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $139,000 | 5,566 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $139,000 | 5,566 |
| Net charge-offs | $103,000 | 4,869 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $139,000 | 5,398 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $834,000 | 7,117 |
| Total interest expense | $173,000 | 7,146 |
| Net interest income | $661,000 | 7,013 |
| Provision for loan and lease losses | $220,000 | 4,084 |
| Total noninterest income | $67,000 | 6,576 |
| Gross Fiduciary activities income | $3,000 | 1,181 |
| Service charges on deposit accounts | $53,000 | 5,511 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $11,000 | 6,798 |
| Total noninterest expense | $478,000 | 7,251 |
| Salaries and employee benefits | $281,000 | 7,129 |
| Premises and equipment expense | $88,000 | 6,528 |
| Additional noninterest expense | $109,000 | 7,502 |
| Pre-tax net operating income | $30,000 | 5,923 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $30,000 | 6,023 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $30,000 | 6,025 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $30,000 | 6,024 |
| Net charge-offs | $87,000 | 4,391 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $30,000 | 5,926 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $408,000 | 7,229 |
| Total interest expense | $87,000 | 7,262 |
| Net interest income | $321,000 | 7,123 |
| Provision for loan and lease losses | $23,000 | 5,664 |
| Total noninterest income | $34,000 | 6,601 |
| Gross Fiduciary activities income | $3,000 | 1,105 |
| Service charges on deposit accounts | $25,000 | 5,612 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $6,000 | 6,920 |
| Total noninterest expense | $247,000 | 7,300 |
| Salaries and employee benefits | $141,000 | 7,221 |
| Premises and equipment expense | $45,000 | 6,571 |
| Additional noninterest expense | $61,000 | 7,511 |
| Pre-tax net operating income | $85,000 | 5,225 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-3,000 | 7,031 |
| Income before extraordinary items | $88,000 | 5,145 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $88,000 | 5,146 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $88,000 | 5,145 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $88,000 | 5,019 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 7,314 |
| Total interest expense | $470,000 | 7,200 |
| Net interest income | $1,179,000 | 7,254 |
| Provision for loan and lease losses | $60,000 | 6,744 |
| Total noninterest income | $153,000 | 6,562 |
| Gross Fiduciary activities income | $3,000 | 1,289 |
| Service charges on deposit accounts | $115,000 | 5,554 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $35,000 | 6,644 |
| Total noninterest expense | $961,000 | 7,431 |
| Salaries and employee benefits | $572,000 | 7,262 |
| Premises and equipment expense | $167,000 | 6,772 |
| Additional noninterest expense | $222,000 | 7,677 |
| Pre-tax net operating income | $311,000 | 4,467 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $17,000 | 3,730 |
| Income before extraordinary items | $294,000 | 4,492 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $294,000 | 4,492 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $294,000 | 4,493 |
| Net charge-offs | $39,000 | 6,357 |
| Cash dividends | $140,000 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $294,000 | 4,424 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,228,000 | 7,407 |
| Total interest expense | $368,000 | 7,265 |
| Net interest income | $860,000 | 7,348 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $103,000 | 6,801 |
| Gross Fiduciary activities income | $3,000 | 1,227 |
| Service charges on deposit accounts | $79,000 | 5,721 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $21,000 | 6,957 |
| Total noninterest expense | $704,000 | 7,507 |
| Salaries and employee benefits | $414,000 | 7,363 |
| Premises and equipment expense | $115,000 | 6,946 |
| Additional noninterest expense | $175,000 | 7,687 |
| Pre-tax net operating income | $259,000 | 4,688 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $13,000 | 3,954 |
| Income before extraordinary items | $246,000 | 4,649 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $246,000 | 4,647 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $246,000 | 4,650 |
| Net charge-offs | $-8,000 | 7,848 |
| Cash dividends | $140,000 | 3,383 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $246,000 | 4,587 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $806,000 | 7,493 |
| Total interest expense | $253,000 | 7,333 |
| Net interest income | $553,000 | 7,425 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $66,000 | 6,893 |
| Gross Fiduciary activities income | $2,000 | 1,233 |
| Service charges on deposit accounts | $52,000 | 5,748 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $12,000 | 7,161 |
| Total noninterest expense | $478,000 | 7,545 |
| Salaries and employee benefits | $274,000 | 7,454 |
| Premises and equipment expense | $83,000 | 6,886 |
| Additional noninterest expense | $121,000 | 7,734 |
| Pre-tax net operating income | $141,000 | 4,984 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $8,000 | 4,086 |
| Income before extraordinary items | $133,000 | 4,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 4,978 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $133,000 | 4,979 |
| Net charge-offs | $-6,000 | 7,819 |
| Cash dividends | $140,000 | 3,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $133,000 | 4,896 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $401,000 | 7,551 |
| Total interest expense | $133,000 | 7,371 |
| Net interest income | $268,000 | 7,504 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $31,000 | 6,970 |
| Gross Fiduciary activities income | $3,000 | 1,122 |
| Service charges on deposit accounts | $23,000 | 5,885 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $5,000 | 7,314 |
| Total noninterest expense | $232,000 | 7,606 |
| Salaries and employee benefits | $139,000 | 7,478 |
| Premises and equipment expense | $43,000 | 6,870 |
| Additional noninterest expense | $50,000 | 7,857 |
| Pre-tax net operating income | $67,000 | 5,411 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $4,000 | 4,381 |
| Income before extraordinary items | $63,000 | 5,505 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $63,000 | 5,508 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $63,000 | 5,508 |
| Net charge-offs | $-4,000 | 7,635 |
| Cash dividends | $140,000 | 1,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $63,000 | 5,325 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,692,000 | 7,544 |
| Total interest expense | $598,000 | 7,513 |
| Net interest income | $1,094,000 | 7,483 |
| Provision for loan and lease losses | $25,000 | 6,928 |
| Total noninterest income | $148,000 | 6,900 |
| Gross Fiduciary activities income | $4,000 | 1,304 |
| Service charges on deposit accounts | $105,000 | 5,827 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $39,000 | 6,986 |
| Total noninterest expense | $897,000 | 7,672 |
| Salaries and employee benefits | $550,000 | 7,539 |
| Premises and equipment expense | $171,000 | 6,950 |
| Additional noninterest expense | $176,000 | 7,975 |
| Pre-tax net operating income | $320,000 | 5,372 |
| Securities gains (losses) | $6,000 | 2,702 |
| Applicable income taxes | $4,000 | 4,719 |
| Income before extraordinary items | $322,000 | 5,014 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $322,000 | 5,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,033 |
| Cash dividends | $140,000 | 4,772 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $316,060 | 5,200 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 7,632 |
| Total interest expense | $464,000 | 7,590 |
| Net interest income | $801,000 | 7,573 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $106,000 | 7,054 |
| Gross Fiduciary activities income | $4,000 | 1,255 |
| Service charges on deposit accounts | $72,000 | 5,984 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $30,000 | 7,117 |
| Total noninterest expense | $649,000 | 7,753 |
| Salaries and employee benefits | $391,000 | 7,639 |
| Premises and equipment expense | $123,000 | 7,057 |
| Additional noninterest expense | $135,000 | 7,994 |
| Pre-tax net operating income | $258,000 | 5,805 |
| Securities gains (losses) | $6,000 | 2,568 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $264,000 | 5,378 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $264,000 | 5,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,089 |
| Cash dividends | $140,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $258,000 | 5,579 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $833,000 | 7,717 |
| Total interest expense | $319,000 | 7,658 |
| Net interest income | $514,000 | 7,663 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $66,000 | 7,200 |
| Gross Fiduciary activities income | $3,000 | 1,253 |
| Service charges on deposit accounts | $44,000 | 6,115 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $19,000 | 7,234 |
| Total noninterest expense | $434,000 | 7,806 |
| Salaries and employee benefits | $260,000 | 7,708 |
| Premises and equipment expense | $81,000 | 7,110 |
| Additional noninterest expense | $93,000 | 8,034 |
| Pre-tax net operating income | $146,000 | 6,139 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-3,000 | 7,567 |
| Income before extraordinary items | $149,000 | 5,982 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $149,000 | 5,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,377 |
| Cash dividends | $140,000 | 3,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $149,000 | 5,928 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $418,000 | 7,785 |
| Total interest expense | $165,000 | 7,726 |
| Net interest income | $253,000 | 7,725 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $34,000 | 7,181 |
| Gross Fiduciary activities income | $3,000 | 1,170 |
| Service charges on deposit accounts | $21,000 | 6,186 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,000 | 7,226 |
| Total noninterest expense | $225,000 | 7,800 |
| Salaries and employee benefits | $131,000 | 7,732 |
| Premises and equipment expense | $44,000 | 7,000 |
| Additional noninterest expense | $50,000 | 7,993 |
| Pre-tax net operating income | $62,000 | 6,449 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-6,000 | 7,806 |
| Income before extraordinary items | $68,000 | 6,299 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $68,000 | 6,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,393 |
| Cash dividends | $140,000 | 2,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $68,000 | 6,207 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 7,855 |
| Total interest expense | $617,000 | 7,788 |
| Net interest income | $965,000 | 7,792 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $125,000 | 7,328 |
| Gross Fiduciary activities income | $3,000 | 1,373 |
| Service charges on deposit accounts | $89,000 | 6,181 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $33,000 | 7,470 |
| Total noninterest expense | $847,000 | 7,867 |
| Salaries and employee benefits | $518,000 | 7,760 |
| Premises and equipment expense | $130,000 | 7,441 |
| Additional noninterest expense | $199,000 | 8,037 |
| Pre-tax net operating income | $243,000 | 6,753 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $18,000 | 5,466 |
| Income before extraordinary items | $225,000 | 6,705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $225,000 | 6,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,141 |
| Cash dividends | $150,000 | 5,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $225,000 | 6,680 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,146,000 | 7,942 |
| Total interest expense | $441,000 | 7,867 |
| Net interest income | $705,000 | 7,866 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $92,000 | 7,410 |
| Gross Fiduciary activities income | $3,000 | 1,319 |
| Service charges on deposit accounts | $63,000 | 6,280 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $26,000 | 7,468 |
| Total noninterest expense | $615,000 | 7,882 |
| Salaries and employee benefits | $371,000 | 7,797 |
| Premises and equipment expense | $99,000 | 7,409 |
| Additional noninterest expense | $145,000 | 8,038 |
| Pre-tax net operating income | $182,000 | 7,036 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $14,000 | 5,621 |
| Income before extraordinary items | $168,000 | 6,966 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $168,000 | 6,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,253 |
| Cash dividends | $150,000 | 4,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $168,000 | 6,950 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $739,000 | 8,028 |
| Total interest expense | $278,000 | 7,957 |
| Net interest income | $461,000 | 7,951 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $53,000 | 7,590 |
| Gross Fiduciary activities income | $3,000 | 1,282 |
| Service charges on deposit accounts | $40,000 | 6,367 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $10,000 | 7,880 |
| Total noninterest expense | $409,000 | 7,938 |
| Salaries and employee benefits | $247,000 | 7,848 |
| Premises and equipment expense | $65,000 | 7,456 |
| Additional noninterest expense | $97,000 | 8,076 |
| Pre-tax net operating income | $105,000 | 7,213 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $96,000 | 7,146 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $96,000 | 7,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,456 |
| Cash dividends | $150,000 | 3,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $96,000 | 7,137 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $353,000 | 8,110 |
| Total interest expense | $126,000 | 8,084 |
| Net interest income | $227,000 | 8,033 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $22,000 | 7,786 |
| Gross Fiduciary activities income | $3,000 | 1,184 |
| Service charges on deposit accounts | $16,000 | 6,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $204,000 | 7,982 |
| Salaries and employee benefits | $123,000 | 7,899 |
| Premises and equipment expense | $32,000 | 7,520 |
| Additional noninterest expense | $49,000 | 8,105 |
| Pre-tax net operating income | $45,000 | 7,346 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $5,000 | 5,693 |
| Income before extraordinary items | $40,000 | 7,298 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $40,000 | 7,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $40,000 | 7,291 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,276,000 | 8,086 |
| Total interest expense | $368,000 | 8,167 |
| Net interest income | $908,000 | 7,969 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $90,000 | 7,847 |
| Gross Fiduciary activities income | $3,000 | 1,398 |
| Service charges on deposit accounts | $67,000 | 6,630 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $20,000 | 7,978 |
| Total noninterest expense | $732,000 | 8,124 |
| Salaries and employee benefits | $453,000 | 8,002 |
| Premises and equipment expense | $104,000 | 7,750 |
| Additional noninterest expense | $175,000 | 8,238 |
| Pre-tax net operating income | $266,000 | 7,211 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $17,000 | 5,975 |
| Income before extraordinary items | $249,000 | 7,099 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $249,000 | 7,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $210,000 | 4,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $249,000 | 7,093 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $934,000 | 8,176 |
| Total interest expense | $257,000 | 8,249 |
| Net interest income | $677,000 | 8,059 |
| Provision for loan and lease losses | $-110,000 | 8,584 |
| Total noninterest income | $68,000 | 7,916 |
| Gross Fiduciary activities income | $3,000 | 1,330 |
| Service charges on deposit accounts | $50,000 | 6,711 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $514,000 | 8,209 |
| Salaries and employee benefits | $323,000 | 8,068 |
| Premises and equipment expense | $74,000 | 7,855 |
| Additional noninterest expense | $117,000 | 8,368 |
| Pre-tax net operating income | $341,000 | 6,822 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $12,000 | 6,158 |
| Income before extraordinary items | $329,000 | 6,571 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $329,000 | 6,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $210,000 | 4,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $329,000 | 6,575 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $609,000 | 8,233 |
| Total interest expense | $159,000 | 8,319 |
| Net interest income | $450,000 | 8,097 |
| Provision for loan and lease losses | $-110,000 | 8,642 |
| Total noninterest income | $44,000 | 7,976 |
| Gross Fiduciary activities income | $3,000 | 1,300 |
| Service charges on deposit accounts | $32,000 | 6,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,144 |
| Total noninterest expense | $345,000 | 8,230 |
| Salaries and employee benefits | $214,000 | 8,114 |
| Premises and equipment expense | $54,000 | 7,758 |
| Additional noninterest expense | $77,000 | 8,409 |
| Pre-tax net operating income | $259,000 | 6,718 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $17,000 | 5,888 |
| Income before extraordinary items | $242,000 | 6,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $242,000 | 6,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $210,000 | 3,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $242,000 | 6,435 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $301,000 | 8,255 |
| Total interest expense | $75,000 | 8,353 |
| Net interest income | $226,000 | 8,119 |
| Provision for loan and lease losses | $-110,000 | 8,677 |
| Total noninterest income | $22,000 | 7,973 |
| Gross Fiduciary activities income | $3,000 | 1,214 |
| Service charges on deposit accounts | $16,000 | 6,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,266 |
| Total noninterest expense | $158,000 | 8,343 |
| Salaries and employee benefits | $106,000 | 8,144 |
| Premises and equipment expense | $18,000 | 8,165 |
| Additional noninterest expense | $34,000 | 8,506 |
| Pre-tax net operating income | $200,000 | 5,845 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,000 | 6,254 |
| Income before extraordinary items | $197,000 | 5,386 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 5,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $210,000 | 2,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $197,000 | 5,391 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,063,000 | 8,279 |
| Total interest expense | $254,000 | 8,308 |
| Net interest income | $809,000 | 8,204 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $78,000 | 8,163 |
| Gross Fiduciary activities income | $8,000 | 1,332 |
| Service charges on deposit accounts | $58,000 | 6,954 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,364 |
| Total noninterest expense | $607,000 | 8,414 |
| Salaries and employee benefits | $378,000 | 8,280 |
| Premises and equipment expense | $79,000 | 8,119 |
| Additional noninterest expense | $150,000 | 8,490 |
| Pre-tax net operating income | $280,000 | 7,466 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $10,000 | 6,543 |
| Income before extraordinary items | $270,000 | 7,305 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $270,000 | 7,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-115,000 | 8,649 |
| Cash dividends | $130,000 | 5,307 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $270,000 | 7,285 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $776,000 | 8,338 |
| Total interest expense | $185,000 | 8,333 |
| Net interest income | $591,000 | 8,279 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $61,000 | 8,173 |
| Gross Fiduciary activities income | $8,000 | 1,254 |
| Service charges on deposit accounts | $44,000 | 6,989 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $9,000 | 8,407 |
| Total noninterest expense | $426,000 | 8,460 |
| Salaries and employee benefits | $263,000 | 8,346 |
| Premises and equipment expense | $59,000 | 8,132 |
| Additional noninterest expense | $104,000 | 8,554 |
| Pre-tax net operating income | $226,000 | 7,532 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $8,000 | 6,588 |
| Income before extraordinary items | $218,000 | 7,347 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $218,000 | 7,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,528 |
| Cash dividends | $130,000 | 4,500 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $218,000 | 7,320 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $505,000 | 8,368 |
| Total interest expense | $121,000 | 8,327 |
| Net interest income | $384,000 | 8,332 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $38,000 | 8,226 |
| Gross Fiduciary activities income | $3,000 | 1,310 |
| Service charges on deposit accounts | $28,000 | 7,031 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $7,000 | 8,349 |
| Total noninterest expense | $285,000 | 8,462 |
| Salaries and employee benefits | $179,000 | 8,317 |
| Premises and equipment expense | $39,000 | 8,135 |
| Additional noninterest expense | $67,000 | 8,562 |
| Pre-tax net operating income | $137,000 | 7,629 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 6,626 |
| Income before extraordinary items | $132,000 | 7,491 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $132,000 | 7,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,165 |
| Cash dividends | $130,000 | 4,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $132,000 | 7,447 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $245,000 | 8,464 |
| Total interest expense | $60,000 | 8,385 |
| Net interest income | $185,000 | 8,443 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $20,000 | 8,219 |
| Gross Fiduciary activities income | $2,000 | 1,263 |
| Service charges on deposit accounts | $14,000 | 7,031 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $4,000 | 8,331 |
| Total noninterest expense | $154,000 | 8,452 |
| Salaries and employee benefits | $93,000 | 8,357 |
| Premises and equipment expense | $20,000 | 8,171 |
| Additional noninterest expense | $41,000 | 8,473 |
| Pre-tax net operating income | $51,000 | 7,887 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $48,000 | 7,799 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $48,000 | 7,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $130,000 | 2,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $48,000 | 7,771 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $975,000 | 8,414 |
| Total interest expense | $248,000 | 8,293 |
| Net interest income | $727,000 | 8,402 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $72,000 | 8,388 |
| Gross Fiduciary activities income | $3,000 | 1,452 |
| Service charges on deposit accounts | $57,000 | 7,178 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,473 |
| Total noninterest expense | $625,000 | 8,466 |
| Salaries and employee benefits | $349,000 | 8,466 |
| Premises and equipment expense | $78,000 | 8,237 |
| Additional noninterest expense | $198,000 | 8,316 |
| Pre-tax net operating income | $174,000 | 7,864 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $12,000 | 6,712 |
| Income before extraordinary items | $162,000 | 7,828 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $162,000 | 7,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $275,000 | 4,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $162,000 | 7,784 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $722,000 | 8,466 |
| Total interest expense | $184,000 | 8,344 |
| Net interest income | $538,000 | 8,454 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $56,000 | 8,400 |
| Gross Fiduciary activities income | $3,000 | 1,390 |
| Service charges on deposit accounts | $44,000 | 7,182 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 8,509 |
| Total noninterest expense | $444,000 | 8,529 |
| Salaries and employee benefits | $263,000 | 8,456 |
| Premises and equipment expense | $61,000 | 8,191 |
| Additional noninterest expense | $120,000 | 8,545 |
| Pre-tax net operating income | $150,000 | 7,908 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $9,000 | 6,807 |
| Income before extraordinary items | $141,000 | 7,835 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $141,000 | 7,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,126 |
| Cash dividends | $275,000 | 3,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $141,000 | 7,794 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $478,000 | 8,533 |
| Total interest expense | $125,000 | 8,377 |
| Net interest income | $353,000 | 8,524 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $38,000 | 8,442 |
| Gross Fiduciary activities income | $3,000 | 1,346 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $6,000 | 8,561 |
| Total noninterest expense | $302,000 | 8,560 |
| Salaries and employee benefits | $178,000 | 8,496 |
| Premises and equipment expense | $39,000 | 8,284 |
| Additional noninterest expense | $85,000 | 8,527 |
| Pre-tax net operating income | $89,000 | 8,000 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $6,000 | 6,827 |
| Income before extraordinary items | $83,000 | 7,942 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $83,000 | 7,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,159 |
| Cash dividends | $275,000 | 3,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $83,000 | 7,883 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $241,000 | 8,579 |
| Total interest expense | $64,000 | 8,416 |
| Net interest income | $177,000 | 8,553 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $20,000 | 8,411 |
| Gross Fiduciary activities income | $3,000 | 1,247 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,000 | 8,561 |
| Total noninterest expense | $151,000 | 8,600 |
| Salaries and employee benefits | $93,000 | 8,474 |
| Premises and equipment expense | $20,000 | 8,263 |
| Additional noninterest expense | $38,000 | 8,683 |
| Pre-tax net operating income | $46,000 | 7,970 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $3,000 | 6,752 |
| Income before extraordinary items | $43,000 | 7,916 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $43,000 | 7,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $43,000 | 7,854 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $991,000 | 8,591 |
| Total interest expense | $310,000 | 8,425 |
| Net interest income | $681,000 | 8,591 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $119,000 | 8,114 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $68,000 | 7,123 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $47,000 | 7,633 |
| Total noninterest expense | $560,000 | 8,740 |
| Salaries and employee benefits | $329,000 | 8,664 |
| Premises and equipment expense | $94,000 | 8,145 |
| Additional noninterest expense | $137,000 | 8,824 |
| Pre-tax net operating income | $240,000 | 7,677 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $8,000 | 7,101 |
| Income before extraordinary items | $232,000 | 7,605 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $232,000 | 7,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,519 |
| Cash dividends | $200,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $232,000 | 7,475 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $740,000 | 8,677 |
| Total interest expense | $243,000 | 8,496 |
| Net interest income | $497,000 | 8,680 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $99,000 | 8,038 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $52,000 | 7,162 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $43,000 | 7,425 |
| Total noninterest expense | $410,000 | 8,792 |
| Salaries and employee benefits | $243,000 | 8,688 |
| Premises and equipment expense | $72,000 | 8,138 |
| Additional noninterest expense | $95,000 | 8,926 |
| Pre-tax net operating income | $186,000 | 7,794 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $8,000 | 7,139 |
| Income before extraordinary items | $178,000 | 7,732 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $178,000 | 7,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,702 |
| Cash dividends | $200,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $178,000 | 7,586 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $502,000 | 8,713 |
| Total interest expense | $170,000 | 8,535 |
| Net interest income | $332,000 | 8,719 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $52,000 | 8,325 |
| Gross Fiduciary activities income | $3,000 | 1,400 |
| Service charges on deposit accounts | $33,000 | 7,215 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $254,000 | 8,875 |
| Salaries and employee benefits | $164,000 | 8,701 |
| Premises and equipment expense | $35,000 | 8,530 |
| Additional noninterest expense | $55,000 | 9,030 |
| Pre-tax net operating income | $130,000 | 7,766 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,000 | 7,438 |
| Income before extraordinary items | $129,000 | 7,664 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $129,000 | 7,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,091 |
| Cash dividends | $80,000 | 4,449 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $129,000 | 7,485 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $253,000 | 8,774 |
| Total interest expense | $90,000 | 8,557 |
| Net interest income | $163,000 | 8,770 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $19,000 | 8,654 |
| Gross Fiduciary activities income | $2,000 | 1,343 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,000 | 8,884 |
| Total noninterest expense | $116,000 | 8,987 |
| Salaries and employee benefits | $84,000 | 8,713 |
| Premises and equipment expense | $14,000 | 8,741 |
| Additional noninterest expense | $18,000 | 9,208 |
| Pre-tax net operating income | $66,000 | 7,733 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,000 | 7,273 |
| Income before extraordinary items | $65,000 | 7,583 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $65,000 | 7,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $80,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $65,000 | 7,429 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 8,731 |
| Total interest expense | $422,000 | 8,592 |
| Net interest income | $718,000 | 8,715 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $196,000 | 7,354 |
| Gross Fiduciary activities income | $11,000 | 1,391 |
| Service charges on deposit accounts | $58,000 | 7,387 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $127,000 | 5,948 |
| Total noninterest expense | $571,000 | 8,839 |
| Salaries and employee benefits | $348,000 | 8,709 |
| Premises and equipment expense | $72,000 | 8,569 |
| Additional noninterest expense | $151,000 | 8,872 |
| Pre-tax net operating income | $343,000 | 7,387 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $7,000 | 7,388 |
| Income before extraordinary items | $336,000 | 7,149 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $336,000 | 7,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $336,000 | 7,034 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,319,000 | 8,889 |
| Total interest expense | $612,000 | 8,803 |
| Net interest income | $707,000 | 8,836 |
| Provision for loan and lease losses | $370,000 | 2,780 |
| Total noninterest income | $98,000 | 8,544 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $61,000 | 7,379 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $37,000 | 8,124 |
| Total noninterest expense | $606,000 | 8,912 |
| Salaries and employee benefits | $355,000 | 8,813 |
| Premises and equipment expense | $72,000 | 8,759 |
| Additional noninterest expense | $179,000 | 8,829 |
| Pre-tax net operating income | $-171,000 | 8,939 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $14,000 | 7,470 |
| Income before extraordinary items | $-185,000 | 9,036 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-185,000 | 9,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 1,720 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-185,000 | 8,977 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,489,000 | 8,968 |
| Total interest expense | $711,000 | 8,843 |
| Net interest income | $778,000 | 8,953 |
| Provision for loan and lease losses | $33,000 | 7,143 |
| Total noninterest income | $125,000 | 8,232 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,346 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,397 |
| Total noninterest expense | $567,000 | 9,199 |
| Salaries and employee benefits | $328,000 | 9,120 |
| Premises and equipment expense | $53,000 | 9,309 |
| Additional noninterest expense | $186,000 | 8,914 |
| Pre-tax net operating income | $303,000 | 7,879 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $303,000 | 7,451 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $303,000 | 7,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 3,940 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $303,000 | 7,459 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,438,000 | 9,152 |
| Total interest expense | $712,000 | 8,922 |
| Net interest income | $726,000 | 9,224 |
| Provision for loan and lease losses | $529,000 | 1,689 |
| Total noninterest income | $172,000 | 7,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $62,000 | 7,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,406 |
| Total noninterest expense | $671,000 | 9,110 |
| Salaries and employee benefits | $339,000 | 9,257 |
| Premises and equipment expense | $65,000 | 9,335 |
| Additional noninterest expense | $267,000 | 8,402 |
| Pre-tax net operating income | $-302,000 | 9,712 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-302,000 | 9,764 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-302,000 | 9,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $596,000 | 1,055 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-302,000 | 9,745 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 8,933 |
| Total interest expense | $795,000 | 8,958 |
| Net interest income | $999,000 | 8,797 |
| Provision for loan and lease losses | $750,000 | 1,238 |
| Total noninterest income | $93,000 | 9,131 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $69,000 | 7,566 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,291 |
| Total noninterest expense | $728,000 | 9,024 |
| Salaries and employee benefits | $413,000 | 8,885 |
| Premises and equipment expense | $79,000 | 9,163 |
| Additional noninterest expense | $236,000 | 8,733 |
| Pre-tax net operating income | $-386,000 | 10,127 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $19,000 | 8,905 |
| Income before extraordinary items | $-405,000 | 10,187 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-405,000 | 10,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $557,000 | 1,164 |
| Cash dividends | $180,000 | 5,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-405,000 | 10,162 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 9,220 |
| Total interest expense | $792,000 | 9,289 |
| Net interest income | $1,046,000 | 9,074 |
| Provision for loan and lease losses | $297,000 | 2,660 |
| Total noninterest income | $90,000 | 9,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $61,000 | 8,119 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 9,379 |
| Total noninterest expense | $646,000 | 9,565 |
| Salaries and employee benefits | $338,000 | 9,676 |
| Premises and equipment expense | $69,000 | 9,733 |
| Additional noninterest expense | $239,000 | 8,975 |
| Pre-tax net operating income | $193,000 | 9,610 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $35,000 | 9,485 |
| Income before extraordinary items | $158,000 | 9,516 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $158,000 | 9,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $261,000 | 2,148 |
| Cash dividends | $168,000 | 5,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $158,000 | 9,472 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 9,834 |
| Total interest expense | $693,000 | 9,983 |
| Net interest income | $990,000 | 9,580 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $77,000 | 10,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 8,549 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $597,000 | 10,179 |
| Salaries and employee benefits | $305,000 | 10,311 |
| Premises and equipment expense | $79,000 | 9,841 |
| Additional noninterest expense | $213,000 | 9,784 |
| Pre-tax net operating income | $452,000 | 8,200 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $154,000 | 7,820 |
| Income before extraordinary items | $298,000 | 8,451 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $298,000 | 8,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $179,000 | 5,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $298,000 | 8,393 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,593,000 | 10,360 |
| Total interest expense | $660,000 | 10,444 |
| Net interest income | $933,000 | 10,148 |
| Provision for loan and lease losses | $102,000 | 4,548 |
| Total noninterest income | $68,000 | 11,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,154 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $554,000 | 10,785 |
| Salaries and employee benefits | $272,000 | 10,985 |
| Premises and equipment expense | $81,000 | 10,165 |
| Additional noninterest expense | $201,000 | 10,399 |
| Pre-tax net operating income | $345,000 | 9,428 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $103,000 | 9,125 |
| Income before extraordinary items | $242,000 | 9,485 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $242,000 | 9,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $217,000 | 5,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $242,000 | 9,470 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,436,000 | 10,861 |
| Total interest expense | $516,000 | 11,029 |
| Net interest income | $920,000 | 10,657 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $68,000 | 11,535 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $53,000 | 9,590 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,783 |
| Total noninterest expense | $580,000 | 11,229 |
| Salaries and employee benefits | $299,000 | 11,214 |
| Premises and equipment expense | $72,000 | 10,911 |
| Additional noninterest expense | $209,000 | 11,024 |
| Pre-tax net operating income | $408,000 | 9,303 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $142,000 | 8,466 |
| Income before extraordinary items | $266,000 | 9,532 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $266,000 | 9,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $228,000 | 5,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $266,000 | 9,586 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 11,418 |
| Total interest expense | $602,000 | 11,134 |
| Net interest income | $812,000 | 11,464 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $62,000 | 12,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 10,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 12,609 |
| Total noninterest expense | $616,000 | 11,564 |
| Salaries and employee benefits | $320,000 | 11,445 |
| Premises and equipment expense | $86,000 | 10,933 |
| Additional noninterest expense | $210,000 | 11,589 |
| Pre-tax net operating income | $258,000 | 10,568 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $80,000 | 10,214 |
| Income before extraordinary items | $178,000 | 10,893 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $178,000 | 10,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 11,177 |
| Cash dividends | $153,000 | 6,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $178,000 | 10,677 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,612,000 | 11,701 |
| Total interest expense | $799,000 | 11,335 |
| Net interest income | $813,000 | 11,857 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $68,000 | 12,626 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 10,309 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,735 |
| Total noninterest expense | $647,000 | 11,793 |
| Salaries and employee benefits | $340,000 | 11,553 |
| Premises and equipment expense | $88,000 | 11,176 |
| Additional noninterest expense | $219,000 | 11,977 |
| Pre-tax net operating income | $234,000 | 10,758 |
| Securities gains (losses) | $32,000 | 4,877 |
| Applicable income taxes | $77,000 | 10,525 |
| Income before extraordinary items | $189,000 | 10,749 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $189,000 | 10,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $193,000 | 5,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $166,280 | 10,714 |
* 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.