Home > Valley Community Bank > Income and Expense
Valley Community Bank, Income and Expense
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $5,564,000 | 3,698 |
| Total interest expense | $346,000 | 4,719 |
| Net interest income | $5,218,000 | 3,549 |
| Provision for loan and lease losses | $0 | 4,603 |
| Total noninterest income | $1,287,000 | 2,721 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $153,000 | 4,362 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,134,000 | 2,156 |
| Total noninterest expense | $7,014,000 | 2,615 |
| Salaries and employee benefits | $3,389,000 | 2,826 |
| Premises and equipment expense | $773,000 | 2,730 |
| Additional noninterest expense | $2,852,000 | 2,124 |
| Pre-tax net operating income | $-509,000 | 6,294 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $0 | 4,531 |
| Income before extraordinary items | $-509,000 | 6,303 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $-509,000 | 6,303 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-509,000 | 6,303 |
| Net charge-offs | $309,000 | 1,981 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 658 |
| Net operating income | $-509,000 | 6,299 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 3,661 |
| Total interest expense | $267,000 | 4,737 |
| Net interest income | $4,023,000 | 3,518 |
| Provision for loan and lease losses | $0 | 4,401 |
| Total noninterest income | $996,000 | 2,703 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $114,000 | 4,419 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $882,000 | 2,106 |
| Total noninterest expense | $4,911,000 | 2,751 |
| Salaries and employee benefits | $2,665,000 | 2,736 |
| Premises and equipment expense | $577,000 | 2,769 |
| Additional noninterest expense | $1,669,000 | 2,648 |
| Pre-tax net operating income | $108,000 | 5,866 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $0 | 4,583 |
| Income before extraordinary items | $108,000 | 5,858 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $108,000 | 5,857 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $108,000 | 5,858 |
| Net charge-offs | $213,000 | 1,925 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 631 |
| Net operating income | $108,000 | 5,836 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $2,945,000 | 3,603 |
| Total interest expense | $183,000 | 4,741 |
| Net interest income | $2,762,000 | 3,446 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $579,000 | 2,890 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $76,000 | 4,424 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $503,000 | 2,305 |
| Total noninterest expense | $3,204,000 | 2,815 |
| Salaries and employee benefits | $1,869,000 | 2,654 |
| Premises and equipment expense | $368,000 | 2,868 |
| Additional noninterest expense | $967,000 | 2,973 |
| Pre-tax net operating income | $137,000 | 5,620 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $137,000 | 5,551 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $137,000 | 5,553 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $137,000 | 5,554 |
| Net charge-offs | $-135,000 | 6,371 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 597 |
| Net operating income | $137,000 | 5,514 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,679,000 | 3,324 |
| Total interest expense | $93,000 | 4,772 |
| Net interest income | $1,586,000 | 3,146 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $314,000 | 2,740 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $40,000 | 4,315 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $274,000 | 2,133 |
| Total noninterest expense | $1,503,000 | 2,969 |
| Salaries and employee benefits | $977,000 | 2,568 |
| Premises and equipment expense | $184,000 | 2,918 |
| Additional noninterest expense | $342,000 | 3,798 |
| Pre-tax net operating income | $397,000 | 3,301 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $397,000 | 3,013 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $397,000 | 3,016 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $397,000 | 3,016 |
| Net charge-offs | $-108,000 | 6,489 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 559 |
| Net operating income | $397,000 | 2,976 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,060,000 | 3,593 |
| Total interest expense | $489,000 | 4,507 |
| Net interest income | $5,571,000 | 3,442 |
| Provision for loan and lease losses | $200,000 | 2,943 |
| Total noninterest income | $1,612,000 | 2,472 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $176,000 | 4,309 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,436,000 | 1,904 |
| Total noninterest expense | $7,336,000 | 2,517 |
| Salaries and employee benefits | $3,609,000 | 2,726 |
| Premises and equipment expense | $802,000 | 2,701 |
| Additional noninterest expense | $2,925,000 | 2,130 |
| Pre-tax net operating income | $-353,000 | 6,423 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-353,000 | 6,451 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-353,000 | 6,451 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-353,000 | 6,452 |
| Net charge-offs | $843,000 | 1,431 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $42,000 | 695 |
| Net operating income | $-353,000 | 6,438 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,589,000 | 3,609 |
| Total interest expense | $388,000 | 4,475 |
| Net interest income | $4,201,000 | 3,449 |
| Provision for loan and lease losses | $200,000 | 2,567 |
| Total noninterest income | $1,106,000 | 2,670 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $135,000 | 4,313 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $971,000 | 2,083 |
| Total noninterest expense | $5,382,000 | 2,585 |
| Salaries and employee benefits | $2,632,000 | 2,805 |
| Premises and equipment expense | $604,000 | 2,715 |
| Additional noninterest expense | $2,146,000 | 2,165 |
| Pre-tax net operating income | $-275,000 | 6,529 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-275,000 | 6,565 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-275,000 | 6,565 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-275,000 | 6,565 |
| Net charge-offs | $909,000 | 1,074 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 663 |
| Net operating income | $-275,000 | 6,546 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,060,000 | 3,607 |
| Total interest expense | $270,000 | 4,448 |
| Net interest income | $2,790,000 | 3,460 |
| Provision for loan and lease losses | $200,000 | 2,092 |
| Total noninterest income | $814,000 | 2,534 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $90,000 | 4,299 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $724,000 | 1,964 |
| Total noninterest expense | $3,650,000 | 2,543 |
| Salaries and employee benefits | $1,767,000 | 2,796 |
| Premises and equipment expense | $391,000 | 2,792 |
| Additional noninterest expense | $1,492,000 | 2,063 |
| Pre-tax net operating income | $-246,000 | 6,581 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-246,000 | 6,633 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-246,000 | 6,633 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-246,000 | 6,633 |
| Net charge-offs | $277,000 | 1,768 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 647 |
| Net operating income | $-246,000 | 6,604 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 3,595 |
| Total interest expense | $144,000 | 4,401 |
| Net interest income | $1,417,000 | 3,425 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $490,000 | 2,260 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $45,000 | 4,283 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $445,000 | 1,711 |
| Total noninterest expense | $1,704,000 | 2,723 |
| Salaries and employee benefits | $873,000 | 2,845 |
| Premises and equipment expense | $199,000 | 2,779 |
| Additional noninterest expense | $632,000 | 2,427 |
| Pre-tax net operating income | $53,000 | 5,805 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $53,000 | 5,804 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $53,000 | 5,806 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $53,000 | 5,806 |
| Net charge-offs | $11,000 | 3,407 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 552 |
| Net operating income | $53,000 | 5,719 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,208,000 | 3,374 |
| Total interest expense | $907,000 | 3,844 |
| Net interest income | $6,301,000 | 3,250 |
| Provision for loan and lease losses | $2,821,000 | 816 |
| Total noninterest income | $1,111,000 | 3,086 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $213,000 | 4,144 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $898,000 | 2,517 |
| Total noninterest expense | $7,786,000 | 2,434 |
| Salaries and employee benefits | $3,511,000 | 2,778 |
| Premises and equipment expense | $921,000 | 2,427 |
| Additional noninterest expense | $3,354,000 | 1,953 |
| Pre-tax net operating income | $-3,195,000 | 6,891 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $228,000 | 2,905 |
| Income before extraordinary items | $-3,423,000 | 6,916 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,423,000 | 6,914 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-3,423,000 | 6,914 |
| Net charge-offs | $1,704,000 | 1,302 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 737 |
| Net operating income | $-3,423,000 | 6,897 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,667,000 | 3,327 |
| Total interest expense | $699,000 | 3,902 |
| Net interest income | $4,968,000 | 3,174 |
| Provision for loan and lease losses | $2,300,000 | 762 |
| Total noninterest income | $1,248,000 | 2,458 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $165,000 | 4,138 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,083,000 | 1,890 |
| Total noninterest expense | $6,678,000 | 2,153 |
| Salaries and employee benefits | $2,653,000 | 2,774 |
| Premises and equipment expense | $704,000 | 2,427 |
| Additional noninterest expense | $3,321,000 | 1,523 |
| Pre-tax net operating income | $-2,762,000 | 7,030 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $1,000 | 4,707 |
| Income before extraordinary items | $-2,763,000 | 7,040 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,763,000 | 7,038 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,763,000 | 7,039 |
| Net charge-offs | $756,000 | 1,730 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 708 |
| Net operating income | $-2,763,000 | 7,028 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,881,000 | 3,276 |
| Total interest expense | $484,000 | 3,907 |
| Net interest income | $3,397,000 | 3,119 |
| Provision for loan and lease losses | $900,000 | 1,191 |
| Total noninterest income | $934,000 | 2,258 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $110,000 | 4,130 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $824,000 | 1,725 |
| Total noninterest expense | $4,533,000 | 2,123 |
| Salaries and employee benefits | $1,788,000 | 2,754 |
| Premises and equipment expense | $461,000 | 2,470 |
| Additional noninterest expense | $2,284,000 | 1,486 |
| Pre-tax net operating income | $-1,102,000 | 6,987 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $1,000 | 4,644 |
| Income before extraordinary items | $-1,103,000 | 7,016 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,103,000 | 7,015 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,103,000 | 7,016 |
| Net charge-offs | $189,000 | 2,818 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 692 |
| Net operating income | $-1,103,000 | 6,999 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,937,000 | 3,309 |
| Total interest expense | $255,000 | 3,889 |
| Net interest income | $1,682,000 | 3,153 |
| Provision for loan and lease losses | $375,000 | 1,298 |
| Total noninterest income | $560,000 | 1,995 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $57,000 | 4,043 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $503,000 | 1,503 |
| Total noninterest expense | $2,250,000 | 2,128 |
| Salaries and employee benefits | $950,000 | 2,604 |
| Premises and equipment expense | $225,000 | 2,538 |
| Additional noninterest expense | $1,075,000 | 1,567 |
| Pre-tax net operating income | $-383,000 | 6,994 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $1,000 | 4,577 |
| Income before extraordinary items | $-384,000 | 7,033 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-384,000 | 7,032 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-384,000 | 7,033 |
| Net charge-offs | $234,000 | 1,710 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 651 |
| Net operating income | $-384,000 | 7,010 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $9,114,000 | 3,010 |
| Total interest expense | $1,093,000 | 4,191 |
| Net interest income | $8,021,000 | 2,725 |
| Provision for loan and lease losses | $7,500,000 | 549 |
| Total noninterest income | $3,830,000 | 1,264 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $262,000 | 3,865 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $3,568,000 | 921 |
| Total noninterest expense | $8,297,000 | 2,285 |
| Salaries and employee benefits | $4,305,000 | 2,251 |
| Premises and equipment expense | $918,000 | 2,596 |
| Additional noninterest expense | $3,074,000 | 2,161 |
| Pre-tax net operating income | $-3,946,000 | 6,995 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $504,000 | 2,021 |
| Income before extraordinary items | $-4,450,000 | 7,045 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,450,000 | 7,045 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-4,450,000 | 7,046 |
| Net charge-offs | $6,818,000 | 623 |
| Cash dividends | $75,000 | 3,883 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 836 |
| Net operating income | $-4,450,000 | 7,032 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $7,083,000 | 2,943 |
| Total interest expense | $844,000 | 4,229 |
| Net interest income | $6,239,000 | 2,635 |
| Provision for loan and lease losses | $3,800,000 | 772 |
| Total noninterest income | $3,435,000 | 1,124 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $201,000 | 3,840 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $3,234,000 | 788 |
| Total noninterest expense | $6,062,000 | 2,359 |
| Salaries and employee benefits | $3,295,000 | 2,203 |
| Premises and equipment expense | $695,000 | 2,583 |
| Additional noninterest expense | $2,072,000 | 2,386 |
| Pre-tax net operating income | $-188,000 | 6,381 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-188,000 | 6,496 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-188,000 | 6,498 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-188,000 | 6,498 |
| Net charge-offs | $1,767,000 | 1,326 |
| Cash dividends | $100,000 | 3,124 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 924 |
| Net operating income | $-188,000 | 6,420 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,920,000 | 2,851 |
| Total interest expense | $580,000 | 4,265 |
| Net interest income | $4,340,000 | 2,545 |
| Provision for loan and lease losses | $2,700,000 | 739 |
| Total noninterest income | $2,667,000 | 994 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $134,000 | 3,820 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,533,000 | 707 |
| Total noninterest expense | $3,981,000 | 2,420 |
| Salaries and employee benefits | $2,248,000 | 2,172 |
| Premises and equipment expense | $464,000 | 2,598 |
| Additional noninterest expense | $1,269,000 | 2,611 |
| Pre-tax net operating income | $326,000 | 4,503 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $125,000 | 2,677 |
| Income before extraordinary items | $201,000 | 5,012 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $201,000 | 5,012 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $201,000 | 5,012 |
| Net charge-offs | $933,000 | 1,531 |
| Cash dividends | $100,000 | 2,767 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $201,000 | 4,924 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,609,000 | 2,723 |
| Total interest expense | $313,000 | 4,202 |
| Net interest income | $2,296,000 | 2,386 |
| Provision for loan and lease losses | $2,100,000 | 492 |
| Total noninterest income | $1,270,000 | 1,039 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $70,000 | 3,700 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,200,000 | 727 |
| Total noninterest expense | $2,036,000 | 2,383 |
| Salaries and employee benefits | $1,174,000 | 2,089 |
| Premises and equipment expense | $225,000 | 2,710 |
| Additional noninterest expense | $637,000 | 2,597 |
| Pre-tax net operating income | $-570,000 | 7,119 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-115,000 | 7,305 |
| Income before extraordinary items | $-455,000 | 7,106 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-455,000 | 7,107 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-455,000 | 7,107 |
| Net charge-offs | $562,000 | 1,246 |
| Cash dividends | $75,000 | 2,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-455,000 | 7,097 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,366,000 | 2,645 |
| Total interest expense | $1,904,000 | 3,692 |
| Net interest income | $9,462,000 | 2,304 |
| Provision for loan and lease losses | $3,550,000 | 1,442 |
| Total noninterest income | $2,104,000 | 2,014 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $313,000 | 3,548 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,791,000 | 1,517 |
| Total noninterest expense | $7,718,000 | 2,504 |
| Salaries and employee benefits | $4,533,000 | 2,141 |
| Premises and equipment expense | $941,000 | 2,604 |
| Additional noninterest expense | $2,244,000 | 2,944 |
| Pre-tax net operating income | $298,000 | 4,908 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $94,000 | 3,272 |
| Income before extraordinary items | $204,000 | 5,272 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $204,000 | 5,275 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $204,000 | 5,275 |
| Net charge-offs | $4,275,000 | 1,155 |
| Cash dividends | $300,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $204,000 | 5,126 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,641,000 | 2,662 |
| Total interest expense | $1,481,000 | 3,736 |
| Net interest income | $7,160,000 | 2,333 |
| Provision for loan and lease losses | $1,625,000 | 1,882 |
| Total noninterest income | $1,724,000 | 1,894 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $248,000 | 3,510 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,476,000 | 1,357 |
| Total noninterest expense | $5,844,000 | 2,477 |
| Salaries and employee benefits | $3,419,000 | 2,119 |
| Premises and equipment expense | $708,000 | 2,633 |
| Additional noninterest expense | $1,717,000 | 2,825 |
| Pre-tax net operating income | $1,415,000 | 2,487 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $567,000 | 1,538 |
| Income before extraordinary items | $848,000 | 3,180 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $848,000 | 3,178 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $848,000 | 3,180 |
| Net charge-offs | $1,599,000 | 1,723 |
| Cash dividends | $225,000 | 2,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $848,000 | 3,063 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,855,000 | 2,651 |
| Total interest expense | $1,033,000 | 3,719 |
| Net interest income | $4,822,000 | 2,316 |
| Provision for loan and lease losses | $900,000 | 2,046 |
| Total noninterest income | $677,000 | 2,639 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $174,000 | 3,426 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $503,000 | 2,086 |
| Total noninterest expense | $3,749,000 | 2,591 |
| Salaries and employee benefits | $2,214,000 | 2,199 |
| Premises and equipment expense | $467,000 | 2,662 |
| Additional noninterest expense | $1,068,000 | 3,023 |
| Pre-tax net operating income | $850,000 | 2,678 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $340,000 | 1,608 |
| Income before extraordinary items | $510,000 | 3,376 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $510,000 | 3,373 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $510,000 | 3,375 |
| Net charge-offs | $139,000 | 3,909 |
| Cash dividends | $149,000 | 2,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $510,000 | 3,265 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 2,663 |
| Total interest expense | $522,000 | 3,814 |
| Net interest income | $2,451,000 | 2,296 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $262,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $88,000 | 3,399 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $174,000 | 2,598 |
| Total noninterest expense | $1,801,000 | 2,695 |
| Salaries and employee benefits | $1,082,000 | 2,280 |
| Premises and equipment expense | $221,000 | 2,880 |
| Additional noninterest expense | $498,000 | 3,196 |
| Pre-tax net operating income | $612,000 | 2,070 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $247,000 | 1,215 |
| Income before extraordinary items | $365,000 | 2,721 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $365,000 | 2,719 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $365,000 | 2,721 |
| Net charge-offs | $-343,000 | 7,912 |
| Cash dividends | $75,000 | 2,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $365,000 | 2,612 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,150,000 | 2,714 |
| Total interest expense | $2,670,000 | 3,731 |
| Net interest income | $9,480,000 | 2,303 |
| Provision for loan and lease losses | $3,700,000 | 1,736 |
| Total noninterest income | $3,152,000 | 1,554 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $328,000 | 3,711 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,824,000 | 1,091 |
| Total noninterest expense | $7,903,000 | 2,492 |
| Salaries and employee benefits | $4,321,000 | 2,277 |
| Premises and equipment expense | $907,000 | 2,799 |
| Additional noninterest expense | $2,675,000 | 2,592 |
| Pre-tax net operating income | $1,029,000 | 2,943 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $503,000 | 1,556 |
| Income before extraordinary items | $526,000 | 3,793 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $526,000 | 3,791 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $526,000 | 3,792 |
| Net charge-offs | $2,691,000 | 1,719 |
| Cash dividends | $255,000 | 3,391 |
| Sale, conversion, retirement of capital stock, net | $5,699,000 | 164 |
| Net operating income | $526,000 | 3,734 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,996,000 | 2,794 |
| Total interest expense | $2,121,000 | 3,709 |
| Net interest income | $6,875,000 | 2,375 |
| Provision for loan and lease losses | $1,000,000 | 2,773 |
| Total noninterest income | $1,549,000 | 2,110 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $247,000 | 3,717 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,302,000 | 1,529 |
| Total noninterest expense | $5,529,000 | 2,675 |
| Salaries and employee benefits | $3,298,000 | 2,263 |
| Premises and equipment expense | $682,000 | 2,836 |
| Additional noninterest expense | $1,549,000 | 3,205 |
| Pre-tax net operating income | $1,895,000 | 1,700 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $833,000 | 971 |
| Income before extraordinary items | $1,062,000 | 2,384 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,062,000 | 2,382 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,062,000 | 2,385 |
| Net charge-offs | $111,000 | 4,963 |
| Cash dividends | $180,000 | 3,170 |
| Sale, conversion, retirement of capital stock, net | $5,680,000 | 134 |
| Net operating income | $1,062,000 | 2,335 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,020,000 | 2,815 |
| Total interest expense | $1,485,000 | 3,698 |
| Net interest income | $4,535,000 | 2,387 |
| Provision for loan and lease losses | $700,000 | 2,488 |
| Total noninterest income | $964,000 | 2,241 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $162,000 | 3,735 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $802,000 | 1,647 |
| Total noninterest expense | $3,798,000 | 2,631 |
| Salaries and employee benefits | $2,253,000 | 2,240 |
| Premises and equipment expense | $450,000 | 2,899 |
| Additional noninterest expense | $1,095,000 | 3,065 |
| Pre-tax net operating income | $1,001,000 | 2,109 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $443,000 | 1,185 |
| Income before extraordinary items | $558,000 | 2,895 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $558,000 | 2,894 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $558,000 | 2,895 |
| Net charge-offs | $361,000 | 2,718 |
| Cash dividends | $30,000 | 3,790 |
| Sale, conversion, retirement of capital stock, net | $5,482,000 | 95 |
| Net operating income | $558,000 | 2,786 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 2,870 |
| Total interest expense | $811,000 | 3,578 |
| Net interest income | $2,176,000 | 2,481 |
| Provision for loan and lease losses | $270,000 | 2,474 |
| Total noninterest income | $200,000 | 3,805 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $81,000 | 3,683 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $119,000 | 3,373 |
| Total noninterest expense | $1,860,000 | 2,589 |
| Salaries and employee benefits | $1,141,000 | 2,229 |
| Premises and equipment expense | $225,000 | 2,942 |
| Additional noninterest expense | $494,000 | 3,034 |
| Pre-tax net operating income | $246,000 | 3,664 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $110,000 | 2,090 |
| Income before extraordinary items | $136,000 | 4,512 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $136,000 | 4,516 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $136,000 | 4,516 |
| Net charge-offs | $199,000 | 2,137 |
| Cash dividends | $30,000 | 2,832 |
| Sale, conversion, retirement of capital stock, net | $5,527,000 | 50 |
| Net operating income | $136,000 | 4,348 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,765,000 | 3,095 |
| Total interest expense | $3,374,000 | 3,935 |
| Net interest income | $8,391,000 | 2,589 |
| Provision for loan and lease losses | $5,785,000 | 908 |
| Total noninterest income | $1,504,000 | 2,618 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $345,000 | 3,751 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,159,000 | 1,924 |
| Total noninterest expense | $7,508,000 | 2,522 |
| Salaries and employee benefits | $4,522,000 | 2,246 |
| Premises and equipment expense | $993,000 | 2,645 |
| Additional noninterest expense | $1,993,000 | 2,880 |
| Pre-tax net operating income | $-3,398,000 | 7,653 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,384,000 | 7,815 |
| Income before extraordinary items | $-2,014,000 | 7,390 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,014,000 | 7,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,439,000 | 764 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $472,000 | 569 |
| Net operating income | $-2,014,000 | 7,483 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $8,599,000 | 3,220 |
| Total interest expense | $2,434,000 | 4,152 |
| Net interest income | $6,165,000 | 2,664 |
| Provision for loan and lease losses | $4,595,000 | 676 |
| Total noninterest income | $1,298,000 | 2,443 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $249,000 | 3,860 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,049,000 | 1,749 |
| Total noninterest expense | $5,502,000 | 2,569 |
| Salaries and employee benefits | $3,342,000 | 2,301 |
| Premises and equipment expense | $744,000 | 2,660 |
| Additional noninterest expense | $1,416,000 | 2,927 |
| Pre-tax net operating income | $-2,634,000 | 7,965 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,067,000 | 8,065 |
| Income before extraordinary items | $-1,567,000 | 7,727 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,567,000 | 7,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,416,000 | 483 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $139,000 | 681 |
| Net operating income | $-1,567,000 | 7,819 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,570,000 | 3,358 |
| Total interest expense | $1,609,000 | 4,309 |
| Net interest income | $3,961,000 | 2,727 |
| Provision for loan and lease losses | $4,355,000 | 478 |
| Total noninterest income | $773,000 | 2,662 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $145,000 | 4,106 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $628,000 | 1,941 |
| Total noninterest expense | $3,616,000 | 2,608 |
| Salaries and employee benefits | $2,287,000 | 2,267 |
| Premises and equipment expense | $497,000 | 2,653 |
| Additional noninterest expense | $832,000 | 3,247 |
| Pre-tax net operating income | $-3,237,000 | 8,236 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-1,317,000 | 8,297 |
| Income before extraordinary items | $-1,920,000 | 8,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,920,000 | 8,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,189,000 | 346 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $116,000 | 545 |
| Net operating income | $-1,920,000 | 8,190 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,877,000 | 3,344 |
| Total interest expense | $913,000 | 4,151 |
| Net interest income | $1,964,000 | 2,747 |
| Provision for loan and lease losses | $35,000 | 4,234 |
| Total noninterest income | $358,000 | 2,800 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $68,000 | 4,202 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $290,000 | 2,015 |
| Total noninterest expense | $1,804,000 | 2,612 |
| Salaries and employee benefits | $1,157,000 | 2,274 |
| Premises and equipment expense | $251,000 | 2,657 |
| Additional noninterest expense | $396,000 | 3,345 |
| Pre-tax net operating income | $483,000 | 3,137 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $201,000 | 1,959 |
| Income before extraordinary items | $282,000 | 3,944 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $282,000 | 3,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 330 |
| Net operating income | $282,000 | 3,858 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,538,000 | 2,942 |
| Total interest expense | $4,635,000 | 3,647 |
| Net interest income | $8,903,000 | 2,475 |
| Provision for loan and lease losses | $135,000 | 4,463 |
| Total noninterest income | $1,111,000 | 3,320 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $203,000 | 4,886 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $908,000 | 2,368 |
| Total noninterest expense | $6,376,000 | 2,806 |
| Salaries and employee benefits | $4,263,000 | 2,359 |
| Premises and equipment expense | $837,000 | 2,974 |
| Additional noninterest expense | $1,276,000 | 3,897 |
| Pre-tax net operating income | $3,503,000 | 2,199 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,455,000 | 1,439 |
| Income before extraordinary items | $2,048,000 | 2,761 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,048,000 | 2,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,834 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $273,000 | 667 |
| Net operating income | $2,048,000 | 2,742 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,329,000 | 2,905 |
| Total interest expense | $3,529,000 | 3,619 |
| Net interest income | $6,800,000 | 2,455 |
| Provision for loan and lease losses | $125,000 | 3,799 |
| Total noninterest income | $915,000 | 3,099 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $153,000 | 4,887 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $762,000 | 2,184 |
| Total noninterest expense | $4,755,000 | 2,786 |
| Salaries and employee benefits | $3,182,000 | 2,367 |
| Premises and equipment expense | $598,000 | 3,074 |
| Additional noninterest expense | $975,000 | 3,784 |
| Pre-tax net operating income | $2,835,000 | 2,215 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,173,000 | 1,471 |
| Income before extraordinary items | $1,662,000 | 2,758 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,662,000 | 2,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,397 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $198,000 | 595 |
| Net operating income | $1,662,000 | 2,743 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,855,000 | 2,941 |
| Total interest expense | $2,358,000 | 3,611 |
| Net interest income | $4,497,000 | 2,496 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $479,000 | 3,642 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $99,000 | 4,965 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $380,000 | 2,646 |
| Total noninterest expense | $3,113,000 | 2,876 |
| Salaries and employee benefits | $2,090,000 | 2,440 |
| Premises and equipment expense | $384,000 | 3,184 |
| Additional noninterest expense | $639,000 | 3,827 |
| Pre-tax net operating income | $1,773,000 | 2,362 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $737,000 | 1,588 |
| Income before extraordinary items | $1,036,000 | 2,962 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,036,000 | 2,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,518 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $147,000 | 517 |
| Net operating income | $1,036,000 | 2,948 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,465,000 | 2,880 |
| Total interest expense | $1,173,000 | 3,592 |
| Net interest income | $2,292,000 | 2,465 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $244,000 | 3,589 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $49,000 | 4,927 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $195,000 | 2,586 |
| Total noninterest expense | $1,514,000 | 2,958 |
| Salaries and employee benefits | $1,010,000 | 2,537 |
| Premises and equipment expense | $183,000 | 3,346 |
| Additional noninterest expense | $321,000 | 3,767 |
| Pre-tax net operating income | $962,000 | 2,243 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $397,000 | 1,534 |
| Income before extraordinary items | $565,000 | 2,765 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $565,000 | 2,766 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,108 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 456 |
| Net operating income | $565,000 | 2,752 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,804,000 | 3,142 |
| Total interest expense | $3,511,000 | 3,904 |
| Net interest income | $8,293,000 | 2,678 |
| Provision for loan and lease losses | $305,000 | 2,728 |
| Total noninterest income | $512,000 | 5,079 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $193,000 | 5,066 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $319,000 | 4,182 |
| Total noninterest expense | $5,150,000 | 3,265 |
| Salaries and employee benefits | $3,286,000 | 2,889 |
| Premises and equipment expense | $734,000 | 3,211 |
| Additional noninterest expense | $1,130,000 | 4,124 |
| Pre-tax net operating income | $3,350,000 | 2,574 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,321,000 | 1,848 |
| Income before extraordinary items | $2,029,000 | 3,066 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,029,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,446 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $244,000 | 722 |
| Net operating income | $2,029,000 | 3,059 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,476,000 | 3,236 |
| Total interest expense | $2,410,000 | 4,057 |
| Net interest income | $6,066,000 | 2,758 |
| Provision for loan and lease losses | $205,000 | 2,826 |
| Total noninterest income | $392,000 | 5,058 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $145,000 | 5,109 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $247,000 | 4,116 |
| Total noninterest expense | $3,754,000 | 3,347 |
| Salaries and employee benefits | $2,340,000 | 3,015 |
| Premises and equipment expense | $546,000 | 3,238 |
| Additional noninterest expense | $868,000 | 4,024 |
| Pre-tax net operating income | $2,499,000 | 2,648 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $989,000 | 1,902 |
| Income before extraordinary items | $1,510,000 | 3,192 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,510,000 | 3,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-96,000 | 8,519 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $173,000 | 622 |
| Net operating income | $1,510,000 | 3,185 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,383,000 | 3,304 |
| Total interest expense | $1,463,000 | 4,182 |
| Net interest income | $3,920,000 | 2,828 |
| Provision for loan and lease losses | $130,000 | 2,874 |
| Total noninterest income | $260,000 | 5,056 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $99,000 | 5,045 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $161,000 | 4,160 |
| Total noninterest expense | $2,498,000 | 3,347 |
| Salaries and employee benefits | $1,562,000 | 3,030 |
| Premises and equipment expense | $358,000 | 3,271 |
| Additional noninterest expense | $578,000 | 4,024 |
| Pre-tax net operating income | $1,552,000 | 2,820 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $617,000 | 2,016 |
| Income before extraordinary items | $935,000 | 3,367 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $935,000 | 3,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-95,000 | 8,567 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $137,000 | 487 |
| Net operating income | $935,000 | 3,356 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,594,000 | 3,346 |
| Total interest expense | $650,000 | 4,363 |
| Net interest income | $1,944,000 | 2,845 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $131,000 | 4,999 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $48,000 | 5,036 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $83,000 | 4,074 |
| Total noninterest expense | $1,255,000 | 3,352 |
| Salaries and employee benefits | $803,000 | 2,961 |
| Premises and equipment expense | $171,000 | 3,403 |
| Additional noninterest expense | $281,000 | 4,104 |
| Pre-tax net operating income | $775,000 | 2,772 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $310,000 | 1,977 |
| Income before extraordinary items | $465,000 | 3,341 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $465,000 | 3,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-95,000 | 8,633 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 333 |
| Net operating income | $465,000 | 3,322 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,128,000 | 3,387 |
| Total interest expense | $2,075,000 | 4,329 |
| Net interest income | $7,053,000 | 3,026 |
| Provision for loan and lease losses | $242,000 | 3,228 |
| Total noninterest income | $828,000 | 3,975 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $173,000 | 5,354 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $655,000 | 2,895 |
| Total noninterest expense | $4,550,000 | 3,500 |
| Salaries and employee benefits | $2,612,000 | 3,354 |
| Premises and equipment expense | $673,000 | 3,339 |
| Additional noninterest expense | $1,265,000 | 3,705 |
| Pre-tax net operating income | $3,089,000 | 2,689 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,219,000 | 1,985 |
| Income before extraordinary items | $1,870,000 | 3,260 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,870,000 | 3,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,419 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 744 |
| Net operating income | $1,870,000 | 3,225 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,605,000 | 3,430 |
| Total interest expense | $1,433,000 | 4,434 |
| Net interest income | $5,172,000 | 3,067 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $457,000 | 4,777 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $132,000 | 5,338 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $325,000 | 3,661 |
| Total noninterest expense | $3,294,000 | 3,574 |
| Salaries and employee benefits | $1,933,000 | 3,378 |
| Premises and equipment expense | $495,000 | 3,381 |
| Additional noninterest expense | $866,000 | 3,938 |
| Pre-tax net operating income | $2,200,000 | 2,843 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $867,000 | 2,090 |
| Income before extraordinary items | $1,333,000 | 3,423 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,333,000 | 3,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $71,000 | 598 |
| Net operating income | $1,333,000 | 3,378 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,231,000 | 3,466 |
| Total interest expense | $859,000 | 4,579 |
| Net interest income | $3,372,000 | 3,089 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $327,000 | 4,564 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $91,000 | 5,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $236,000 | 3,470 |
| Total noninterest expense | $2,179,000 | 3,576 |
| Salaries and employee benefits | $1,282,000 | 3,380 |
| Premises and equipment expense | $324,000 | 3,400 |
| Additional noninterest expense | $573,000 | 3,937 |
| Pre-tax net operating income | $1,430,000 | 2,864 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $567,000 | 2,086 |
| Income before extraordinary items | $863,000 | 3,455 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $863,000 | 3,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 497 |
| Net operating income | $863,000 | 3,411 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 3,569 |
| Total interest expense | $412,000 | 4,587 |
| Net interest income | $1,602,000 | 3,224 |
| Provision for loan and lease losses | $35,000 | 3,777 |
| Total noninterest income | $166,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $50,000 | 4,996 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $116,000 | 3,465 |
| Total noninterest expense | $1,100,000 | 3,562 |
| Salaries and employee benefits | $653,000 | 3,308 |
| Premises and equipment expense | $157,000 | 3,521 |
| Additional noninterest expense | $290,000 | 3,912 |
| Pre-tax net operating income | $633,000 | 3,103 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $250,000 | 2,273 |
| Income before extraordinary items | $383,000 | 3,722 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $383,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $383,000 | 3,683 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,663,000 | 3,951 |
| Total interest expense | $1,204,000 | 5,104 |
| Net interest income | $5,459,000 | 3,552 |
| Provision for loan and lease losses | $127,000 | 4,522 |
| Total noninterest income | $840,000 | 3,928 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $219,000 | 5,038 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $621,000 | 2,923 |
| Total noninterest expense | $4,112,000 | 3,653 |
| Salaries and employee benefits | $2,481,000 | 3,367 |
| Premises and equipment expense | $629,000 | 3,401 |
| Additional noninterest expense | $1,002,000 | 4,344 |
| Pre-tax net operating income | $2,060,000 | 3,433 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $808,000 | 2,517 |
| Income before extraordinary items | $1,252,000 | 4,099 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,252,000 | 4,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $126,000 | 629 |
| Net operating income | $1,252,000 | 4,031 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,750,000 | 4,083 |
| Total interest expense | $860,000 | 5,213 |
| Net interest income | $3,890,000 | 3,681 |
| Provision for loan and lease losses | $97,000 | 4,340 |
| Total noninterest income | $528,000 | 4,385 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $169,000 | 5,017 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $359,000 | 3,391 |
| Total noninterest expense | $3,004,000 | 3,711 |
| Salaries and employee benefits | $1,813,000 | 3,406 |
| Premises and equipment expense | $464,000 | 3,463 |
| Additional noninterest expense | $727,000 | 4,394 |
| Pre-tax net operating income | $1,317,000 | 3,914 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $515,000 | 2,844 |
| Income before extraordinary items | $802,000 | 4,628 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $802,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $126,000 | 497 |
| Net operating income | $802,000 | 4,535 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,027,000 | 4,220 |
| Total interest expense | $551,000 | 5,374 |
| Net interest income | $2,476,000 | 3,812 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $350,000 | 4,423 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $123,000 | 4,818 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $227,000 | 3,504 |
| Total noninterest expense | $2,018,000 | 3,707 |
| Salaries and employee benefits | $1,224,000 | 3,385 |
| Premises and equipment expense | $308,000 | 3,472 |
| Additional noninterest expense | $486,000 | 4,400 |
| Pre-tax net operating income | $763,000 | 4,236 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $299,000 | 3,092 |
| Income before extraordinary items | $464,000 | 4,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $464,000 | 4,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,943 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $99,000 | 412 |
| Net operating income | $464,000 | 4,836 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,496,000 | 4,275 |
| Total interest expense | $281,000 | 5,372 |
| Net interest income | $1,215,000 | 3,856 |
| Provision for loan and lease losses | $25,000 | 4,502 |
| Total noninterest income | $210,000 | 3,948 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $150,000 | 2,948 |
| Total noninterest expense | $1,001,000 | 3,757 |
| Salaries and employee benefits | $616,000 | 3,385 |
| Premises and equipment expense | $151,000 | 3,573 |
| Additional noninterest expense | $234,000 | 4,538 |
| Pre-tax net operating income | $399,000 | 4,098 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $154,000 | 3,042 |
| Income before extraordinary items | $245,000 | 4,810 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $245,000 | 4,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $245,000 | 4,691 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,334,000 | 4,680 |
| Total interest expense | $1,229,000 | 5,488 |
| Net interest income | $4,105,000 | 4,290 |
| Provision for loan and lease losses | $225,000 | 3,797 |
| Total noninterest income | $688,000 | 4,600 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $202,000 | 5,250 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $486,000 | 3,630 |
| Total noninterest expense | $3,560,000 | 4,052 |
| Salaries and employee benefits | $1,945,000 | 4,016 |
| Premises and equipment expense | $583,000 | 3,606 |
| Additional noninterest expense | $1,032,000 | 4,171 |
| Pre-tax net operating income | $1,008,000 | 5,156 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $397,000 | 3,795 |
| Income before extraordinary items | $611,000 | 5,911 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $611,000 | 5,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $211,000 | 2,797 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,977,000 | 283 |
| Net operating income | $611,000 | 5,734 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,946,000 | 4,781 |
| Total interest expense | $946,000 | 5,545 |
| Net interest income | $3,000,000 | 4,381 |
| Provision for loan and lease losses | $130,000 | 4,216 |
| Total noninterest income | $422,000 | 5,169 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $140,000 | 5,456 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $282,000 | 4,142 |
| Total noninterest expense | $2,647,000 | 4,064 |
| Salaries and employee benefits | $1,445,000 | 4,040 |
| Premises and equipment expense | $432,000 | 3,637 |
| Additional noninterest expense | $770,000 | 4,168 |
| Pre-tax net operating income | $645,000 | 5,706 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $253,000 | 4,260 |
| Income before extraordinary items | $392,000 | 6,399 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $392,000 | 6,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,119 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $392,000 | 6,223 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,598,000 | 4,854 |
| Total interest expense | $652,000 | 5,565 |
| Net interest income | $1,946,000 | 4,477 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $209,000 | 5,896 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $77,000 | 5,845 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $132,000 | 4,817 |
| Total noninterest expense | $1,747,000 | 4,100 |
| Salaries and employee benefits | $953,000 | 4,070 |
| Premises and equipment expense | $283,000 | 3,667 |
| Additional noninterest expense | $511,000 | 4,174 |
| Pre-tax net operating income | $318,000 | 6,382 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $123,000 | 4,828 |
| Income before extraordinary items | $195,000 | 7,011 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $195,000 | 7,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 1,893 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $195,000 | 6,821 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 4,860 |
| Total interest expense | $332,000 | 5,613 |
| Net interest income | $974,000 | 4,476 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $115,000 | 5,560 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $38,000 | 5,790 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $77,000 | 4,426 |
| Total noninterest expense | $884,000 | 4,048 |
| Salaries and employee benefits | $485,000 | 4,000 |
| Premises and equipment expense | $140,000 | 3,695 |
| Additional noninterest expense | $259,000 | 4,098 |
| Pre-tax net operating income | $165,000 | 6,274 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $73,000 | 4,528 |
| Income before extraordinary items | $92,000 | 7,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 7,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,051 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $92,000 | 6,886 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,164,000 | 5,069 |
| Total interest expense | $1,597,000 | 5,533 |
| Net interest income | $3,567,000 | 4,704 |
| Provision for loan and lease losses | $347,000 | 3,151 |
| Total noninterest income | $581,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $136,000 | 6,022 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $445,000 | 3,497 |
| Total noninterest expense | $2,935,000 | 4,533 |
| Salaries and employee benefits | $1,592,000 | 4,470 |
| Premises and equipment expense | $511,000 | 3,885 |
| Additional noninterest expense | $832,000 | 4,795 |
| Pre-tax net operating income | $866,000 | 5,575 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,000 | 7,560 |
| Income before extraordinary items | $864,000 | 4,991 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $864,000 | 4,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,649 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-1,000 | 9,193 |
| Net operating income | $864,000 | 4,862 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,672,000 | 5,844 |
| Total interest expense | $1,979,000 | 6,129 |
| Net interest income | $2,693,000 | 5,467 |
| Provision for loan and lease losses | $293,000 | 3,279 |
| Total noninterest income | $533,000 | 4,896 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $106,000 | 6,467 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $427,000 | 3,406 |
| Total noninterest expense | $2,574,000 | 4,865 |
| Salaries and employee benefits | $1,403,000 | 4,747 |
| Premises and equipment expense | $443,000 | 4,281 |
| Additional noninterest expense | $728,000 | 5,133 |
| Pre-tax net operating income | $359,000 | 7,153 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-90,000 | 9,244 |
| Income before extraordinary items | $449,000 | 6,313 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $449,000 | 6,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,080 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $12,000 | 831 |
| Net operating income | $449,000 | 6,196 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,362,000 | 7,039 |
| Total interest expense | $1,433,000 | 7,286 |
| Net interest income | $1,929,000 | 6,679 |
| Provision for loan and lease losses | $362,000 | 2,476 |
| Total noninterest income | $343,000 | 5,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 7,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $288,000 | 4,016 |
| Total noninterest expense | $1,948,000 | 5,767 |
| Salaries and employee benefits | $987,000 | 5,965 |
| Premises and equipment expense | $361,000 | 4,827 |
| Additional noninterest expense | $600,000 | 5,789 |
| Pre-tax net operating income | $-38,000 | 9,187 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-59,000 | 9,506 |
| Income before extraordinary items | $21,000 | 9,071 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $21,000 | 9,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,407 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $2,966,000 | 302 |
| Net operating income | $21,000 | 9,056 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,438,000 | 9,152 |
| Total interest expense | $535,000 | 9,365 |
| Net interest income | $903,000 | 8,844 |
| Provision for loan and lease losses | $211,000 | 3,432 |
| Total noninterest income | $257,000 | 6,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 8,476 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,560 |
| Total noninterest expense | $1,591,000 | 6,550 |
| Salaries and employee benefits | $806,000 | 6,722 |
| Premises and equipment expense | $243,000 | 6,141 |
| Additional noninterest expense | $542,000 | 6,205 |
| Pre-tax net operating income | $-642,000 | 9,942 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-642,000 | 9,978 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-642,000 | 9,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-642,000 | 9,963 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $240,000 | 10,340 |
| Total interest expense | $58,000 | 10,337 |
| Net interest income | $182,000 | 10,316 |
| Provision for loan and lease losses | $64,000 | 6,030 |
| Total noninterest income | $6,000 | 10,330 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 9,010 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 10,240 |
| Total noninterest expense | $889,000 | 8,465 |
| Salaries and employee benefits | $519,000 | 8,239 |
| Premises and equipment expense | $129,000 | 8,085 |
| Additional noninterest expense | $241,000 | 8,692 |
| Pre-tax net operating income | $-765,000 | 10,285 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-765,000 | 10,325 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-765,000 | 10,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $5,345,000 | 219 |
| Net operating income | $-765,000 | 10,301 |
* 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.