Home > Valrico State Bank > Income and Expense
Valrico State Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,716,000 | 3,621 |
| Total interest expense | $217,000 | 4,258 |
| Net interest income | $1,499,000 | 3,463 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $385,000 | 2,537 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $188,000 | 1,792 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $197,000 | 2,689 |
| Total noninterest expense | $1,268,000 | 3,494 |
| Salaries and employee benefits | $781,000 | 3,082 |
| Premises and equipment expense | $212,000 | 2,673 |
| Additional noninterest expense | $275,000 | 4,606 |
| Pre-tax net operating income | $616,000 | 2,484 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $215,000 | 1,647 |
| Income before extraordinary items | $401,000 | 3,060 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $401,000 | 3,063 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $401,000 | 3,064 |
| Net charge-offs | $36,000 | 3,280 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $9,000 | 634 |
| Net operating income | $401,000 | 2,906 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,346,000 | 3,557 |
| Total interest expense | $1,187,000 | 4,000 |
| Net interest income | $6,159,000 | 3,400 |
| Provision for loan and lease losses | $1,521,000 | 1,869 |
| Total noninterest income | $1,706,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,409,000 | 1,051 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $297,000 | 3,883 |
| Total noninterest expense | $7,314,000 | 2,564 |
| Salaries and employee benefits | $2,901,000 | 3,200 |
| Premises and equipment expense | $834,000 | 2,821 |
| Additional noninterest expense | $3,579,000 | 1,882 |
| Pre-tax net operating income | $-970,000 | 6,569 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $-443,000 | 7,040 |
| Income before extraordinary items | $-527,000 | 6,486 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-527,000 | 6,488 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-527,000 | 6,487 |
| Net charge-offs | $3,384,000 | 1,097 |
| Cash dividends | $1,170,000 | 1,466 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 879 |
| Net operating income | $-527,000 | 6,445 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,543,000 | 3,581 |
| Total interest expense | $915,000 | 4,051 |
| Net interest income | $4,628,000 | 3,405 |
| Provision for loan and lease losses | $1,236,000 | 1,723 |
| Total noninterest income | $1,198,000 | 2,332 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $985,000 | 1,127 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $213,000 | 4,002 |
| Total noninterest expense | $5,549,000 | 2,541 |
| Salaries and employee benefits | $2,363,000 | 3,000 |
| Premises and equipment expense | $658,000 | 2,726 |
| Additional noninterest expense | $2,528,000 | 2,000 |
| Pre-tax net operating income | $-959,000 | 6,785 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $-455,000 | 7,195 |
| Income before extraordinary items | $-504,000 | 6,692 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-504,000 | 6,693 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-504,000 | 6,693 |
| Net charge-offs | $2,885,000 | 976 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 828 |
| Net operating income | $-504,000 | 6,641 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,686,000 | 3,617 |
| Total interest expense | $625,000 | 4,104 |
| Net interest income | $3,061,000 | 3,427 |
| Provision for loan and lease losses | $1,060,000 | 1,446 |
| Total noninterest income | $674,000 | 2,606 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $632,000 | 1,152 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $42,000 | 5,630 |
| Total noninterest expense | $3,784,000 | 2,509 |
| Salaries and employee benefits | $1,620,000 | 2,944 |
| Premises and equipment expense | $430,000 | 2,777 |
| Additional noninterest expense | $1,734,000 | 1,971 |
| Pre-tax net operating income | $-1,109,000 | 7,010 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-458,000 | 7,322 |
| Income before extraordinary items | $-651,000 | 6,903 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-651,000 | 6,902 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-651,000 | 6,903 |
| Net charge-offs | $1,928,000 | 946 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $16,000 | 777 |
| Net operating income | $-651,000 | 6,890 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,729,000 | 3,809 |
| Total interest expense | $322,000 | 4,116 |
| Net interest income | $1,407,000 | 3,639 |
| Provision for loan and lease losses | $908,000 | 928 |
| Total noninterest income | $236,000 | 3,266 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $362,000 | 994 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-126,000 | 7,388 |
| Total noninterest expense | $1,875,000 | 2,549 |
| Salaries and employee benefits | $806,000 | 2,981 |
| Premises and equipment expense | $221,000 | 2,758 |
| Additional noninterest expense | $848,000 | 1,992 |
| Pre-tax net operating income | $-1,140,000 | 7,301 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-449,000 | 7,463 |
| Income before extraordinary items | $-691,000 | 7,210 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-691,000 | 7,211 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-691,000 | 7,211 |
| Net charge-offs | $191,000 | 2,156 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 722 |
| Net operating income | $-691,000 | 7,203 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,056,000 | 3,206 |
| Total interest expense | $1,720,000 | 3,954 |
| Net interest income | $7,336,000 | 2,956 |
| Provision for loan and lease losses | $2,293,000 | 1,907 |
| Total noninterest income | $2,711,000 | 1,663 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,113,000 | 714 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $598,000 | 2,923 |
| Total noninterest expense | $6,694,000 | 2,830 |
| Salaries and employee benefits | $3,047,000 | 3,069 |
| Premises and equipment expense | $812,000 | 2,956 |
| Additional noninterest expense | $2,835,000 | 2,390 |
| Pre-tax net operating income | $1,060,000 | 3,287 |
| Securities gains (losses) | $454,000 | 960 |
| Applicable income taxes | $491,000 | 1,911 |
| Income before extraordinary items | $1,023,000 | 3,181 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,023,000 | 3,178 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,023,000 | 3,181 |
| Net charge-offs | $978,000 | 2,722 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 1,003 |
| Net operating income | $714,280 | 3,687 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,900,000 | 3,227 |
| Total interest expense | $1,345,000 | 3,991 |
| Net interest income | $5,555,000 | 2,970 |
| Provision for loan and lease losses | $875,000 | 2,713 |
| Total noninterest income | $1,979,000 | 1,701 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,535,000 | 752 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $444,000 | 2,952 |
| Total noninterest expense | $5,140,000 | 2,778 |
| Salaries and employee benefits | $2,390,000 | 2,977 |
| Premises and equipment expense | $628,000 | 2,922 |
| Additional noninterest expense | $2,122,000 | 2,361 |
| Pre-tax net operating income | $1,519,000 | 2,350 |
| Securities gains (losses) | $84,000 | 2,067 |
| Applicable income taxes | $561,000 | 1,552 |
| Income before extraordinary items | $1,042,000 | 2,816 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,042,000 | 2,810 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,042,000 | 2,815 |
| Net charge-offs | $468,000 | 3,178 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 937 |
| Net operating income | $987,400 | 2,777 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,649,000 | 3,235 |
| Total interest expense | $921,000 | 4,012 |
| Net interest income | $3,728,000 | 2,951 |
| Provision for loan and lease losses | $565,000 | 2,684 |
| Total noninterest income | $1,394,000 | 1,596 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,106,000 | 693 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $288,000 | 2,902 |
| Total noninterest expense | $3,302,000 | 2,871 |
| Salaries and employee benefits | $1,611,000 | 2,953 |
| Premises and equipment expense | $393,000 | 3,100 |
| Additional noninterest expense | $1,298,000 | 2,546 |
| Pre-tax net operating income | $1,255,000 | 1,987 |
| Securities gains (losses) | $84,000 | 1,538 |
| Applicable income taxes | $482,000 | 1,252 |
| Income before extraordinary items | $857,000 | 2,382 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $857,000 | 2,378 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $857,000 | 2,381 |
| Net charge-offs | $194,000 | 3,581 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $18,000 | 882 |
| Net operating income | $803,240 | 2,397 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,308,000 | 3,305 |
| Total interest expense | $473,000 | 4,075 |
| Net interest income | $1,835,000 | 3,013 |
| Provision for loan and lease losses | $260,000 | 2,614 |
| Total noninterest income | $667,000 | 1,656 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $551,000 | 701 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $116,000 | 3,249 |
| Total noninterest expense | $1,726,000 | 2,801 |
| Salaries and employee benefits | $852,000 | 2,850 |
| Premises and equipment expense | $189,000 | 3,270 |
| Additional noninterest expense | $685,000 | 2,425 |
| Pre-tax net operating income | $516,000 | 2,350 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $190,000 | 1,472 |
| Income before extraordinary items | $326,000 | 2,974 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $326,000 | 2,970 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $326,000 | 2,974 |
| Net charge-offs | $200,000 | 2,434 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 814 |
| Net operating income | $326,000 | 2,867 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,510,000 | 3,356 |
| Total interest expense | $2,559,000 | 3,828 |
| Net interest income | $6,951,000 | 3,082 |
| Provision for loan and lease losses | $1,562,000 | 2,827 |
| Total noninterest income | $1,645,000 | 2,416 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,227,000 | 1,405 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $418,000 | 3,483 |
| Total noninterest expense | $6,238,000 | 3,083 |
| Salaries and employee benefits | $3,134,000 | 3,051 |
| Premises and equipment expense | $833,000 | 3,020 |
| Additional noninterest expense | $2,271,000 | 2,995 |
| Pre-tax net operating income | $796,000 | 3,349 |
| Securities gains (losses) | $144,000 | 1,818 |
| Applicable income taxes | $289,000 | 2,064 |
| Income before extraordinary items | $651,000 | 3,481 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $651,000 | 3,480 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $651,000 | 3,480 |
| Net charge-offs | $294,000 | 4,510 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,104 |
| Net operating income | $551,640 | 3,649 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,071,000 | 3,428 |
| Total interest expense | $1,999,000 | 3,848 |
| Net interest income | $5,072,000 | 3,155 |
| Provision for loan and lease losses | $777,000 | 3,140 |
| Total noninterest income | $1,038,000 | 2,754 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $725,000 | 1,740 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $313,000 | 3,553 |
| Total noninterest expense | $4,734,000 | 3,064 |
| Salaries and employee benefits | $2,380,000 | 3,056 |
| Premises and equipment expense | $646,000 | 2,959 |
| Additional noninterest expense | $1,708,000 | 2,954 |
| Pre-tax net operating income | $599,000 | 3,601 |
| Securities gains (losses) | $144,000 | 1,535 |
| Applicable income taxes | $227,000 | 2,192 |
| Income before extraordinary items | $516,000 | 3,638 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $516,000 | 3,636 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $516,000 | 3,638 |
| Net charge-offs | $281,000 | 3,810 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 1,025 |
| Net operating income | $416,640 | 3,891 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 3,476 |
| Total interest expense | $1,381,000 | 3,878 |
| Net interest income | $3,304,000 | 3,194 |
| Provision for loan and lease losses | $203,000 | 4,301 |
| Total noninterest income | $613,000 | 3,004 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $412,000 | 1,969 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $201,000 | 3,643 |
| Total noninterest expense | $3,129,000 | 3,110 |
| Salaries and employee benefits | $1,571,000 | 3,106 |
| Premises and equipment expense | $426,000 | 3,024 |
| Additional noninterest expense | $1,132,000 | 2,975 |
| Pre-tax net operating income | $585,000 | 3,047 |
| Securities gains (losses) | $144,000 | 1,231 |
| Applicable income taxes | $246,000 | 1,744 |
| Income before extraordinary items | $483,000 | 3,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $483,000 | 3,157 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $483,000 | 3,158 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 1,002 |
| Net operating income | $387,960 | 3,415 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,367,000 | 3,479 |
| Total interest expense | $719,000 | 3,869 |
| Net interest income | $1,648,000 | 3,193 |
| Provision for loan and lease losses | $2,000 | 6,666 |
| Total noninterest income | $255,000 | 3,336 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $168,000 | 2,251 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $87,000 | 3,870 |
| Total noninterest expense | $1,519,000 | 3,111 |
| Salaries and employee benefits | $791,000 | 3,126 |
| Premises and equipment expense | $213,000 | 3,084 |
| Additional noninterest expense | $515,000 | 2,940 |
| Pre-tax net operating income | $382,000 | 2,891 |
| Securities gains (losses) | $144,000 | 823 |
| Applicable income taxes | $176,000 | 1,580 |
| Income before extraordinary items | $350,000 | 2,818 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $350,000 | 2,817 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $350,000 | 2,819 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $253,520 | 3,270 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,822,000 | 3,588 |
| Total interest expense | $3,253,000 | 4,020 |
| Net interest income | $6,569,000 | 3,232 |
| Provision for loan and lease losses | $4,000 | 7,286 |
| Total noninterest income | $996,000 | 3,411 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $643,000 | 2,509 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $353,000 | 3,806 |
| Total noninterest expense | $5,676,000 | 3,235 |
| Salaries and employee benefits | $2,971,000 | 3,281 |
| Premises and equipment expense | $817,000 | 3,129 |
| Additional noninterest expense | $1,888,000 | 3,012 |
| Pre-tax net operating income | $1,885,000 | 2,567 |
| Securities gains (losses) | $56,000 | 1,521 |
| Applicable income taxes | $658,000 | 1,583 |
| Income before extraordinary items | $1,283,000 | 2,789 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,283,000 | 2,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,246,040 | 2,981 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,474,000 | 3,605 |
| Total interest expense | $2,550,000 | 4,023 |
| Net interest income | $4,924,000 | 3,262 |
| Provision for loan and lease losses | $4,000 | 6,911 |
| Total noninterest income | $636,000 | 3,843 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $372,000 | 3,067 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $264,000 | 3,921 |
| Total noninterest expense | $4,137,000 | 3,301 |
| Salaries and employee benefits | $2,207,000 | 3,350 |
| Premises and equipment expense | $644,000 | 3,013 |
| Additional noninterest expense | $1,286,000 | 3,191 |
| Pre-tax net operating income | $1,419,000 | 2,954 |
| Securities gains (losses) | $56,000 | 1,342 |
| Applicable income taxes | $490,000 | 1,934 |
| Income before extraordinary items | $985,000 | 3,135 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $985,000 | 3,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $947,480 | 3,358 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,049,000 | 3,627 |
| Total interest expense | $1,788,000 | 4,025 |
| Net interest income | $3,261,000 | 3,269 |
| Provision for loan and lease losses | $4,000 | 6,550 |
| Total noninterest income | $397,000 | 4,022 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $223,000 | 3,264 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $174,000 | 4,039 |
| Total noninterest expense | $2,729,000 | 3,334 |
| Salaries and employee benefits | $1,461,000 | 3,408 |
| Premises and equipment expense | $420,000 | 3,079 |
| Additional noninterest expense | $848,000 | 3,178 |
| Pre-tax net operating income | $925,000 | 3,108 |
| Securities gains (losses) | $39,000 | 1,619 |
| Applicable income taxes | $320,000 | 2,146 |
| Income before extraordinary items | $644,000 | 3,484 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $644,000 | 3,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $617,870 | 3,528 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,558,000 | 3,662 |
| Total interest expense | $957,000 | 4,008 |
| Net interest income | $1,601,000 | 3,322 |
| Provision for loan and lease losses | $4,000 | 5,832 |
| Total noninterest income | $206,000 | 3,945 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $118,000 | 3,094 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $88,000 | 4,007 |
| Total noninterest expense | $1,366,000 | 3,332 |
| Salaries and employee benefits | $724,000 | 3,459 |
| Premises and equipment expense | $205,000 | 3,161 |
| Additional noninterest expense | $437,000 | 3,049 |
| Pre-tax net operating income | $437,000 | 3,342 |
| Securities gains (losses) | $39,000 | 1,222 |
| Applicable income taxes | $158,000 | 2,257 |
| Income before extraordinary items | $318,000 | 3,665 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $318,000 | 3,669 |
| 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 | $0 | 1,000 |
| Net operating income | $291,870 | 3,780 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,228,000 | 4,292 |
| Total interest expense | $3,009,000 | 4,787 |
| Net interest income | $5,219,000 | 3,864 |
| Provision for loan and lease losses | $227,000 | 3,672 |
| Total noninterest income | $639,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $366,000 | 3,697 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $273,000 | 4,416 |
| Total noninterest expense | $4,171,000 | 3,982 |
| Salaries and employee benefits | $2,134,000 | 4,179 |
| Premises and equipment expense | $655,000 | 3,611 |
| Additional noninterest expense | $1,382,000 | 3,654 |
| Pre-tax net operating income | $1,460,000 | 3,955 |
| Securities gains (losses) | $3,000 | 1,730 |
| Applicable income taxes | $484,000 | 2,783 |
| Income before extraordinary items | $979,000 | 4,368 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $979,000 | 4,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 5,999 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $976,990 | 4,364 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,550,000 | 4,600 |
| Total interest expense | $2,001,000 | 5,116 |
| Net interest income | $3,549,000 | 4,177 |
| Provision for loan and lease losses | $50,000 | 5,025 |
| Total noninterest income | $432,000 | 4,737 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $244,000 | 3,912 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $188,000 | 4,617 |
| Total noninterest expense | $2,798,000 | 4,306 |
| Salaries and employee benefits | $1,442,000 | 4,508 |
| Premises and equipment expense | $451,000 | 3,825 |
| Additional noninterest expense | $905,000 | 3,990 |
| Pre-tax net operating income | $1,133,000 | 4,082 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $389,000 | 2,832 |
| Income before extraordinary items | $744,000 | 4,502 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $744,000 | 4,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,926 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $744,000 | 4,495 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,764,000 | 5,500 |
| Total interest expense | $953,000 | 5,980 |
| Net interest income | $1,811,000 | 4,974 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $216,000 | 5,425 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $118,000 | 4,611 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $98,000 | 5,155 |
| Total noninterest expense | $1,442,000 | 5,141 |
| Salaries and employee benefits | $752,000 | 5,324 |
| Premises and equipment expense | $219,000 | 4,750 |
| Additional noninterest expense | $471,000 | 4,768 |
| Pre-tax net operating income | $555,000 | 4,841 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $197,000 | 3,296 |
| Income before extraordinary items | $358,000 | 5,306 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $358,000 | 5,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $358,000 | 5,295 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,619,000 | 3,652 |
| Total interest expense | $828,000 | 4,480 |
| Net interest income | $1,791,000 | 3,052 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $207,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $173,000 | 2,320 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $34,000 | 5,782 |
| Total noninterest expense | $1,325,000 | 3,299 |
| Salaries and employee benefits | $747,000 | 3,278 |
| Premises and equipment expense | $213,000 | 2,959 |
| Additional noninterest expense | $365,000 | 3,415 |
| Pre-tax net operating income | $643,000 | 2,969 |
| Securities gains (losses) | $-5,000 | 8,170 |
| Applicable income taxes | $242,000 | 2,137 |
| Income before extraordinary items | $396,000 | 3,528 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $396,000 | 3,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $399,200 | 3,484 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $10,402,000 | 3,466 |
| Total interest expense | $2,982,000 | 4,333 |
| Net interest income | $7,420,000 | 2,952 |
| Provision for loan and lease losses | $120,000 | 4,374 |
| Total noninterest income | $839,000 | 3,938 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $704,000 | 2,361 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $135,000 | 5,824 |
| Total noninterest expense | $4,888,000 | 3,413 |
| Salaries and employee benefits | $2,688,000 | 3,433 |
| Premises and equipment expense | $801,000 | 3,004 |
| Additional noninterest expense | $1,399,000 | 3,480 |
| Pre-tax net operating income | $3,251,000 | 2,636 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,143,000 | 2,011 |
| Income before extraordinary items | $2,108,000 | 2,983 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,108,000 | 2,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,921 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,108,000 | 2,979 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,802,000 | 3,447 |
| Total interest expense | $2,197,000 | 4,292 |
| Net interest income | $5,605,000 | 2,960 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $646,000 | 3,886 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $544,000 | 2,307 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $102,000 | 5,813 |
| Total noninterest expense | $3,697,000 | 3,384 |
| Salaries and employee benefits | $2,062,000 | 3,362 |
| Premises and equipment expense | $593,000 | 3,037 |
| Additional noninterest expense | $1,042,000 | 3,497 |
| Pre-tax net operating income | $2,464,000 | 2,689 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $939,000 | 1,967 |
| Income before extraordinary items | $1,525,000 | 3,169 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,525,000 | 3,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,525,000 | 3,165 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,165,000 | 3,424 |
| Total interest expense | $1,434,000 | 4,233 |
| Net interest income | $3,731,000 | 2,971 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $449,000 | 3,770 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $379,000 | 2,201 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $70,000 | 5,792 |
| Total noninterest expense | $2,442,000 | 3,408 |
| Salaries and employee benefits | $1,356,000 | 3,408 |
| Premises and equipment expense | $388,000 | 3,083 |
| Additional noninterest expense | $698,000 | 3,488 |
| Pre-tax net operating income | $1,678,000 | 2,649 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $642,000 | 1,965 |
| Income before extraordinary items | $1,036,000 | 3,136 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,036,000 | 3,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,036,000 | 3,120 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,491,000 | 3,453 |
| Total interest expense | $663,000 | 4,316 |
| Net interest income | $1,828,000 | 3,007 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $231,000 | 3,656 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $196,000 | 2,079 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,807 |
| Total noninterest expense | $1,212,000 | 3,440 |
| Salaries and employee benefits | $679,000 | 3,414 |
| Premises and equipment expense | $196,000 | 3,079 |
| Additional noninterest expense | $337,000 | 3,548 |
| Pre-tax net operating income | $817,000 | 2,663 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $318,000 | 1,943 |
| Income before extraordinary items | $499,000 | 3,162 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $499,000 | 3,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $499,000 | 3,140 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,671,000 | 3,515 |
| Total interest expense | $1,464,000 | 5,281 |
| Net interest income | $7,207,000 | 2,973 |
| Provision for loan and lease losses | $120,000 | 4,465 |
| Total noninterest income | $866,000 | 3,870 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $813,000 | 2,081 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,351 |
| Total noninterest expense | $4,766,000 | 3,371 |
| Salaries and employee benefits | $2,554,000 | 3,418 |
| Premises and equipment expense | $771,000 | 2,996 |
| Additional noninterest expense | $1,441,000 | 3,331 |
| Pre-tax net operating income | $3,187,000 | 2,636 |
| Securities gains (losses) | $-82,000 | 8,359 |
| Applicable income taxes | $1,021,000 | 2,237 |
| Income before extraordinary items | $2,084,000 | 2,991 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,084,000 | 2,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,138,940 | 2,895 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,278,000 | 3,565 |
| Total interest expense | $996,000 | 5,440 |
| Net interest income | $5,282,000 | 3,010 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $634,000 | 3,948 |
| Gross Fiduciary activities income | $1,000 | 1,428 |
| Service charges on deposit accounts | $603,000 | 2,096 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,649 |
| Total noninterest expense | $3,582,000 | 3,337 |
| Salaries and employee benefits | $1,943,000 | 3,360 |
| Premises and equipment expense | $564,000 | 3,036 |
| Additional noninterest expense | $1,075,000 | 3,313 |
| Pre-tax net operating income | $2,244,000 | 2,800 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $838,000 | 2,132 |
| Income before extraordinary items | $1,405,000 | 3,292 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,405,000 | 3,293 |
| 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 | $0 | 769 |
| Net operating income | $1,405,640 | 3,249 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 3,561 |
| Total interest expense | $624,000 | 5,461 |
| Net interest income | $3,463,000 | 3,026 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $395,000 | 4,083 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $404,000 | 2,057 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $-9,000 | 8,837 |
| Total noninterest expense | $2,362,000 | 3,344 |
| Salaries and employee benefits | $1,297,000 | 3,338 |
| Premises and equipment expense | $368,000 | 3,063 |
| Additional noninterest expense | $697,000 | 3,373 |
| Pre-tax net operating income | $1,436,000 | 2,853 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $532,000 | 2,177 |
| Income before extraordinary items | $904,000 | 3,348 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $904,000 | 3,350 |
| 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 | $0 | 643 |
| Net operating income | $904,000 | 3,296 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,000,000 | 3,597 |
| Total interest expense | $300,000 | 5,483 |
| Net interest income | $1,700,000 | 3,064 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $155,000 | 4,629 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $204,000 | 1,973 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-49,000 | 8,926 |
| Total noninterest expense | $1,175,000 | 3,369 |
| Salaries and employee benefits | $646,000 | 3,339 |
| Premises and equipment expense | $183,000 | 3,101 |
| Additional noninterest expense | $346,000 | 3,398 |
| Pre-tax net operating income | $650,000 | 3,040 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $239,000 | 2,331 |
| Income before extraordinary items | $411,000 | 3,555 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $411,000 | 3,557 |
| 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 | $411,000 | 3,515 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,381,000 | 3,647 |
| Total interest expense | $1,189,000 | 5,147 |
| Net interest income | $6,192,000 | 3,208 |
| Provision for loan and lease losses | $120,000 | 4,623 |
| Total noninterest income | $1,080,000 | 3,362 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $919,000 | 1,904 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $161,000 | 5,547 |
| Total noninterest expense | $4,569,000 | 3,372 |
| Salaries and employee benefits | $2,558,000 | 3,282 |
| Premises and equipment expense | $733,000 | 3,010 |
| Additional noninterest expense | $1,278,000 | 3,572 |
| Pre-tax net operating income | $2,583,000 | 2,925 |
| Securities gains (losses) | $-7,000 | 8,135 |
| Applicable income taxes | $854,000 | 2,416 |
| Income before extraordinary items | $1,722,000 | 3,276 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,722,000 | 3,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,310 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,726,690 | 3,204 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,433,000 | 3,679 |
| Total interest expense | $885,000 | 5,135 |
| Net interest income | $4,548,000 | 3,250 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $797,000 | 3,419 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $666,000 | 1,971 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $131,000 | 5,402 |
| Total noninterest expense | $3,313,000 | 3,443 |
| Salaries and employee benefits | $1,914,000 | 3,266 |
| Premises and equipment expense | $612,000 | 2,737 |
| Additional noninterest expense | $787,000 | 4,135 |
| Pre-tax net operating income | $1,942,000 | 2,961 |
| Securities gains (losses) | $-6,000 | 8,396 |
| Applicable income taxes | $716,000 | 2,275 |
| Income before extraordinary items | $1,220,000 | 3,496 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,220,000 | 3,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,290 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,223,840 | 3,406 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,588,000 | 3,704 |
| Total interest expense | $601,000 | 5,101 |
| Net interest income | $2,987,000 | 3,283 |
| Provision for loan and lease losses | $60,000 | 4,267 |
| Total noninterest income | $522,000 | 3,472 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $432,000 | 1,993 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $90,000 | 5,371 |
| Total noninterest expense | $2,183,000 | 3,501 |
| Salaries and employee benefits | $1,270,000 | 3,288 |
| Premises and equipment expense | $393,000 | 2,828 |
| Additional noninterest expense | $520,000 | 4,186 |
| Pre-tax net operating income | $1,266,000 | 2,979 |
| Securities gains (losses) | $-6,000 | 8,606 |
| Applicable income taxes | $468,000 | 2,303 |
| Income before extraordinary items | $792,000 | 3,542 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $792,000 | 3,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,295 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $795,840 | 3,448 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 3,725 |
| Total interest expense | $303,000 | 5,136 |
| Net interest income | $1,481,000 | 3,299 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $264,000 | 3,393 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $210,000 | 1,982 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $54,000 | 4,970 |
| Total noninterest expense | $1,090,000 | 3,513 |
| Salaries and employee benefits | $627,000 | 3,339 |
| Premises and equipment expense | $197,000 | 2,852 |
| Additional noninterest expense | $266,000 | 4,111 |
| Pre-tax net operating income | $625,000 | 2,979 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $227,000 | 2,365 |
| Income before extraordinary items | $396,000 | 3,542 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $396,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $397,280 | 3,423 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,849,000 | 3,890 |
| Total interest expense | $1,496,000 | 4,877 |
| Net interest income | $5,353,000 | 3,504 |
| Provision for loan and lease losses | $150,000 | 4,567 |
| Total noninterest income | $1,098,000 | 3,513 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $936,000 | 1,852 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $162,000 | 5,688 |
| Total noninterest expense | $4,185,000 | 3,577 |
| Salaries and employee benefits | $2,372,000 | 3,414 |
| Premises and equipment expense | $791,000 | 2,793 |
| Additional noninterest expense | $1,022,000 | 4,200 |
| Pre-tax net operating income | $2,116,000 | 3,267 |
| Securities gains (losses) | $81,000 | 2,082 |
| Applicable income taxes | $718,000 | 2,745 |
| Income before extraordinary items | $1,479,000 | 3,595 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,479,000 | 3,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,902 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,424,730 | 3,525 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,076,000 | 3,984 |
| Total interest expense | $1,165,000 | 4,904 |
| Net interest income | $3,911,000 | 3,590 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $789,000 | 3,676 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $688,000 | 1,884 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $101,000 | 6,060 |
| Total noninterest expense | $3,117,000 | 3,588 |
| Salaries and employee benefits | $1,771,000 | 3,404 |
| Premises and equipment expense | $579,000 | 2,860 |
| Additional noninterest expense | $767,000 | 4,184 |
| Pre-tax net operating income | $1,493,000 | 3,523 |
| Securities gains (losses) | $82,000 | 1,915 |
| Applicable income taxes | $578,000 | 2,746 |
| Income before extraordinary items | $997,000 | 3,987 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $997,000 | 3,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,937 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $944,520 | 3,955 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,354,000 | 4,049 |
| Total interest expense | $817,000 | 4,862 |
| Net interest income | $2,537,000 | 3,652 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $516,000 | 3,675 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $447,000 | 1,897 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $69,000 | 6,016 |
| Total noninterest expense | $2,020,000 | 3,665 |
| Salaries and employee benefits | $1,154,000 | 3,480 |
| Premises and equipment expense | $382,000 | 2,881 |
| Additional noninterest expense | $484,000 | 4,355 |
| Pre-tax net operating income | $973,000 | 3,591 |
| Securities gains (losses) | $4,000 | 3,287 |
| Applicable income taxes | $360,000 | 2,908 |
| Income before extraordinary items | $617,000 | 4,209 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $617,000 | 4,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,990 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $614,440 | 4,021 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,673,000 | 4,088 |
| Total interest expense | $423,000 | 4,870 |
| Net interest income | $1,250,000 | 3,683 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $253,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $224,000 | 1,823 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $972,000 | 3,755 |
| Salaries and employee benefits | $555,000 | 3,582 |
| Premises and equipment expense | $171,000 | 3,140 |
| Additional noninterest expense | $246,000 | 4,267 |
| Pre-tax net operating income | $501,000 | 3,483 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $191,000 | 2,777 |
| Income before extraordinary items | $310,000 | 4,144 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $310,000 | 4,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,774 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $310,000 | 3,955 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,660,000 | 4,213 |
| Total interest expense | $2,039,000 | 4,731 |
| Net interest income | $4,621,000 | 3,901 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $1,182,000 | 3,106 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $945,000 | 1,699 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $237,000 | 4,698 |
| Total noninterest expense | $4,481,000 | 3,234 |
| Salaries and employee benefits | $2,248,000 | 3,399 |
| Premises and equipment expense | $966,000 | 2,265 |
| Additional noninterest expense | $1,267,000 | 3,450 |
| Pre-tax net operating income | $1,202,000 | 4,709 |
| Securities gains (losses) | $51,000 | 2,387 |
| Applicable income taxes | $380,000 | 3,990 |
| Income before extraordinary items | $873,000 | 4,959 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $873,000 | 4,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,470 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $837,300 | 4,950 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,202,000 | 4,337 |
| Total interest expense | $3,061,000 | 4,648 |
| Net interest income | $4,141,000 | 4,020 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $998,000 | 3,342 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $890,000 | 1,703 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $108,000 | 6,258 |
| Total noninterest expense | $3,929,000 | 3,480 |
| Salaries and employee benefits | $2,102,000 | 3,450 |
| Premises and equipment expense | $852,000 | 2,485 |
| Additional noninterest expense | $975,000 | 4,154 |
| Pre-tax net operating income | $1,090,000 | 4,678 |
| Securities gains (losses) | $7,000 | 3,779 |
| Applicable income taxes | $364,000 | 3,914 |
| Income before extraordinary items | $733,000 | 5,115 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $733,000 | 5,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,323 |
| Cash dividends | $44,000 | 6,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $728,310 | 5,023 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,254,000 | 4,448 |
| Total interest expense | $2,692,000 | 5,312 |
| Net interest income | $4,562,000 | 3,746 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $940,000 | 3,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $834,000 | 1,660 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,289 |
| Total noninterest expense | $3,785,000 | 3,482 |
| Salaries and employee benefits | $2,110,000 | 3,312 |
| Premises and equipment expense | $719,000 | 2,817 |
| Additional noninterest expense | $956,000 | 4,133 |
| Pre-tax net operating income | $1,467,000 | 4,126 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $474,000 | 3,600 |
| Income before extraordinary items | $993,000 | 4,407 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $993,000 | 4,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,854 |
| Cash dividends | $88,000 | 6,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $993,000 | 4,406 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,269,000 | 4,805 |
| Total interest expense | $2,353,000 | 5,414 |
| Net interest income | $3,916,000 | 4,263 |
| Provision for loan and lease losses | $101,000 | 5,190 |
| Total noninterest income | $838,000 | 3,507 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $736,000 | 1,803 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,585 |
| Total noninterest expense | $3,620,000 | 3,614 |
| Salaries and employee benefits | $1,843,000 | 3,672 |
| Premises and equipment expense | $765,000 | 2,658 |
| Additional noninterest expense | $1,012,000 | 3,990 |
| Pre-tax net operating income | $1,033,000 | 5,205 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $350,000 | 4,472 |
| Income before extraordinary items | $683,000 | 5,530 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $683,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 3,601 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 675 |
| Net operating income | $683,000 | 5,495 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,543,000 | 5,273 |
| Total interest expense | $2,060,000 | 6,085 |
| Net interest income | $3,483,000 | 4,620 |
| Provision for loan and lease losses | $210,000 | 3,403 |
| Total noninterest income | $657,000 | 4,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $547,000 | 2,354 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,403 |
| Total noninterest expense | $3,017,000 | 4,095 |
| Salaries and employee benefits | $1,483,000 | 4,285 |
| Premises and equipment expense | $679,000 | 2,837 |
| Additional noninterest expense | $855,000 | 4,459 |
| Pre-tax net operating income | $913,000 | 5,693 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $337,000 | 4,871 |
| Income before extraordinary items | $576,000 | 6,178 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $576,000 | 6,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,038 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 774 |
| Net operating income | $576,000 | 6,066 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,712,000 | 6,035 |
| Total interest expense | $1,756,000 | 6,765 |
| Net interest income | $2,956,000 | 5,361 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $515,000 | 4,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $416,000 | 3,121 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,819 |
| Total noninterest expense | $2,744,000 | 4,417 |
| Salaries and employee benefits | $1,298,000 | 4,787 |
| Premises and equipment expense | $599,000 | 3,160 |
| Additional noninterest expense | $847,000 | 4,530 |
| Pre-tax net operating income | $427,000 | 8,299 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $96,000 | 8,464 |
| Income before extraordinary items | $331,000 | 8,145 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $331,000 | 8,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,360 |
| Cash dividends | $30,000 | 7,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $331,000 | 8,095 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,206,000 | 6,668 |
| Total interest expense | $1,544,000 | 7,455 |
| Net interest income | $2,662,000 | 5,941 |
| Provision for loan and lease losses | $181,000 | 3,625 |
| Total noninterest income | $432,000 | 5,686 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $344,000 | 3,809 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,486 |
| Total noninterest expense | $2,394,000 | 5,187 |
| Salaries and employee benefits | $1,153,000 | 5,382 |
| Premises and equipment expense | $580,000 | 3,318 |
| Additional noninterest expense | $661,000 | 5,970 |
| Pre-tax net operating income | $519,000 | 7,828 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $161,000 | 7,713 |
| Income before extraordinary items | $358,000 | 7,935 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $358,000 | 7,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,928 |
| Cash dividends | $60,000 | 7,342 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $358,000 | 7,876 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,767,000 | 7,240 |
| Total interest expense | $1,413,000 | 7,943 |
| Net interest income | $2,354,000 | 6,569 |
| Provision for loan and lease losses | $98,000 | 4,693 |
| Total noninterest income | $410,000 | 5,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 4,043 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 7,639 |
| Total noninterest expense | $2,181,000 | 5,600 |
| Salaries and employee benefits | $946,000 | 6,312 |
| Premises and equipment expense | $536,000 | 3,538 |
| Additional noninterest expense | $699,000 | 5,855 |
| Pre-tax net operating income | $485,000 | 8,515 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $116,000 | 8,861 |
| Income before extraordinary items | $369,000 | 8,324 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $369,000 | 8,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $130,000 | 6,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $369,000 | 8,308 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,107,000 | 7,873 |
| Total interest expense | $1,062,000 | 8,429 |
| Net interest income | $2,045,000 | 7,461 |
| Provision for loan and lease losses | $78,000 | 5,081 |
| Total noninterest income | $358,000 | 6,578 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $85,000 | 8,027 |
| Total noninterest expense | $1,986,000 | 6,242 |
| Salaries and employee benefits | $785,000 | 7,295 |
| Premises and equipment expense | $524,000 | 3,656 |
| Additional noninterest expense | $677,000 | 6,491 |
| Pre-tax net operating income | $339,000 | 9,833 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $103,000 | 9,288 |
| Income before extraordinary items | $236,000 | 9,849 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $236,000 | 9,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,088 |
| Cash dividends | $30,000 | 8,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $236,000 | 9,920 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,940,000 | 8,439 |
| Total interest expense | $1,027,000 | 8,979 |
| Net interest income | $1,913,000 | 7,930 |
| Provision for loan and lease losses | $168,000 | 4,365 |
| Total noninterest income | $300,000 | 7,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 5,348 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,257 |
| Total noninterest expense | $1,739,000 | 7,075 |
| Salaries and employee benefits | $659,000 | 8,309 |
| Premises and equipment expense | $470,000 | 4,085 |
| Additional noninterest expense | $610,000 | 7,243 |
| Pre-tax net operating income | $306,000 | 10,187 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $93,000 | 9,919 |
| Income before extraordinary items | $213,000 | 10,496 |
| Extraordinary gains, net | $110,000 | 1,482 |
| Net income | $323,000 | 9,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 4,347 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $213,000 | 10,255 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,942,000 | 9,089 |
| Total interest expense | $1,159,000 | 9,760 |
| Net interest income | $1,783,000 | 8,393 |
| Provision for loan and lease losses | $151,000 | 6,055 |
| Total noninterest income | $263,000 | 8,288 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,399 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,703 |
| Total noninterest expense | $1,587,000 | 7,617 |
| Salaries and employee benefits | $569,000 | 9,093 |
| Premises and equipment expense | $477,000 | 4,140 |
| Additional noninterest expense | $541,000 | 8,072 |
| Pre-tax net operating income | $308,000 | 10,062 |
| Securities gains (losses) | $-3,000 | 12,949 |
| Applicable income taxes | $112,000 | 9,602 |
| Income before extraordinary items | $193,000 | 10,690 |
| Extraordinary gains, net | $112,000 | 694 |
| Net income | $305,000 | 9,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 6,313 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $194,920 | 10,334 |
* 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.