Home > Viking State Bank & Trust > Income and Expense
Viking State Bank & Trust, Income and Expense
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $5,254,000 | 4,434 |
| Total interest expense | $1,090,000 | 4,199 |
| Net interest income | $4,164,000 | 4,433 |
| Provision for loan and lease losses | $30,000 | 6,060 |
| Total noninterest income | $407,000 | 4,754 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $187,000 | 4,508 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $220,000 | 4,337 |
| Total noninterest expense | $1,974,000 | 5,841 |
| Salaries and employee benefits | $1,056,000 | 5,776 |
| Premises and equipment expense | $185,000 | 6,132 |
| Additional noninterest expense | $733,000 | 5,591 |
| Pre-tax net operating income | $2,567,000 | 2,085 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $118,000 | 3,268 |
| Income before extraordinary items | $2,449,000 | 1,907 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,449,000 | 1,908 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,449,000 | 1,908 |
| Net charge-offs | $-76,000 | 7,235 |
| Cash dividends | $1,163,000 | 1,472 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $2,449,000 | 1,818 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,913,000 | 4,502 |
| Total interest expense | $848,000 | 4,219 |
| Net interest income | $3,065,000 | 4,511 |
| Provision for loan and lease losses | $30,000 | 5,806 |
| Total noninterest income | $282,000 | 4,927 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $142,000 | 4,492 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $140,000 | 4,627 |
| Total noninterest expense | $1,500,000 | 5,844 |
| Salaries and employee benefits | $814,000 | 5,737 |
| Premises and equipment expense | $140,000 | 6,154 |
| Additional noninterest expense | $546,000 | 5,654 |
| Pre-tax net operating income | $1,817,000 | 2,247 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $91,000 | 3,267 |
| Income before extraordinary items | $1,726,000 | 2,061 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,726,000 | 2,060 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,726,000 | 2,061 |
| Net charge-offs | $22,000 | 5,495 |
| Cash dividends | $963,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,726,000 | 1,971 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,601,000 | 4,556 |
| Total interest expense | $591,000 | 4,222 |
| Net interest income | $2,010,000 | 4,571 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $175,000 | 5,061 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $92,000 | 4,547 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $83,000 | 4,836 |
| Total noninterest expense | $982,000 | 5,944 |
| Salaries and employee benefits | $532,000 | 5,827 |
| Premises and equipment expense | $98,000 | 6,122 |
| Additional noninterest expense | $352,000 | 5,789 |
| Pre-tax net operating income | $1,203,000 | 2,229 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $60,000 | 3,238 |
| Income before extraordinary items | $1,143,000 | 2,029 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,143,000 | 2,029 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,143,000 | 2,029 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $763,000 | 1,044 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,143,000 | 1,963 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,288,000 | 4,598 |
| Total interest expense | $301,000 | 4,285 |
| Net interest income | $987,000 | 4,613 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $86,000 | 5,157 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $45,000 | 4,534 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 4,959 |
| Total noninterest expense | $496,000 | 5,964 |
| Salaries and employee benefits | $279,000 | 5,772 |
| Premises and equipment expense | $41,000 | 6,442 |
| Additional noninterest expense | $176,000 | 5,825 |
| Pre-tax net operating income | $577,000 | 2,294 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $28,000 | 3,232 |
| Income before extraordinary items | $549,000 | 2,078 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $549,000 | 2,077 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $549,000 | 2,078 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $300,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $549,000 | 2,042 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,403,000 | 4,604 |
| Total interest expense | $1,345,000 | 4,526 |
| Net interest income | $4,058,000 | 4,553 |
| Provision for loan and lease losses | $345,000 | 4,668 |
| Total noninterest income | $410,000 | 4,926 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $198,000 | 4,426 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $212,000 | 4,506 |
| Total noninterest expense | $1,913,000 | 6,091 |
| Salaries and employee benefits | $997,000 | 6,037 |
| Premises and equipment expense | $188,000 | 6,303 |
| Additional noninterest expense | $728,000 | 5,816 |
| Pre-tax net operating income | $2,210,000 | 2,065 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $101,000 | 3,230 |
| Income before extraordinary items | $2,109,000 | 1,928 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,109,000 | 1,929 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,109,000 | 1,930 |
| Net charge-offs | $78,000 | 5,624 |
| Cash dividends | $685,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,109,000 | 1,860 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,078,000 | 4,669 |
| Total interest expense | $1,023,000 | 4,638 |
| Net interest income | $3,055,000 | 4,596 |
| Provision for loan and lease losses | $145,000 | 5,303 |
| Total noninterest income | $277,000 | 5,169 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $150,000 | 4,473 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $127,000 | 4,894 |
| Total noninterest expense | $1,410,000 | 6,174 |
| Salaries and employee benefits | $760,000 | 6,045 |
| Premises and equipment expense | $141,000 | 6,393 |
| Additional noninterest expense | $509,000 | 6,003 |
| Pre-tax net operating income | $1,777,000 | 2,083 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $89,000 | 3,201 |
| Income before extraordinary items | $1,688,000 | 1,953 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,688,000 | 1,954 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,688,000 | 1,955 |
| Net charge-offs | $31,000 | 5,810 |
| Cash dividends | $498,000 | 1,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,688,000 | 1,853 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,715,000 | 4,712 |
| Total interest expense | $688,000 | 4,725 |
| Net interest income | $2,027,000 | 4,608 |
| Provision for loan and lease losses | $145,000 | 4,701 |
| Total noninterest income | $155,000 | 5,435 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $98,000 | 4,519 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $57,000 | 5,436 |
| Total noninterest expense | $920,000 | 6,249 |
| Salaries and employee benefits | $494,000 | 6,144 |
| Premises and equipment expense | $93,000 | 6,433 |
| Additional noninterest expense | $333,000 | 6,074 |
| Pre-tax net operating income | $1,117,000 | 2,170 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $56,000 | 3,207 |
| Income before extraordinary items | $1,061,000 | 1,999 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,061,000 | 1,999 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,061,000 | 1,999 |
| Net charge-offs | $-3,000 | 7,284 |
| Cash dividends | $348,000 | 1,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,061,000 | 1,915 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,349,000 | 4,803 |
| Total interest expense | $352,000 | 4,802 |
| Net interest income | $997,000 | 4,691 |
| Provision for loan and lease losses | $45,000 | 4,935 |
| Total noninterest income | $76,000 | 5,507 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $48,000 | 4,553 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $28,000 | 5,531 |
| Total noninterest expense | $467,000 | 6,304 |
| Salaries and employee benefits | $264,000 | 6,089 |
| Premises and equipment expense | $44,000 | 6,603 |
| Additional noninterest expense | $159,000 | 6,229 |
| Pre-tax net operating income | $561,000 | 2,213 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $28,000 | 3,224 |
| Income before extraordinary items | $533,000 | 2,030 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $533,000 | 2,028 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $533,000 | 2,030 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $44,000 | 2,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $533,000 | 1,950 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,510,000 | 4,857 |
| Total interest expense | $1,746,000 | 4,804 |
| Net interest income | $3,764,000 | 4,749 |
| Provision for loan and lease losses | $260,000 | 5,467 |
| Total noninterest income | $386,000 | 5,184 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $188,000 | 4,751 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $198,000 | 4,655 |
| Total noninterest expense | $1,814,000 | 6,433 |
| Salaries and employee benefits | $923,000 | 6,402 |
| Premises and equipment expense | $202,000 | 6,470 |
| Additional noninterest expense | $689,000 | 6,164 |
| Pre-tax net operating income | $2,076,000 | 1,856 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $94,000 | 2,911 |
| Income before extraordinary items | $1,982,000 | 1,695 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,982,000 | 1,693 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,982,000 | 1,694 |
| Net charge-offs | $220,000 | 4,877 |
| Cash dividends | $1,409,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,982,000 | 1,641 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 4,909 |
| Total interest expense | $1,351,000 | 4,860 |
| Net interest income | $2,795,000 | 4,784 |
| Provision for loan and lease losses | $260,000 | 4,812 |
| Total noninterest income | $311,000 | 5,128 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $140,000 | 4,795 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $171,000 | 4,552 |
| Total noninterest expense | $1,365,000 | 6,466 |
| Salaries and employee benefits | $706,000 | 6,405 |
| Premises and equipment expense | $146,000 | 6,583 |
| Additional noninterest expense | $513,000 | 6,193 |
| Pre-tax net operating income | $1,481,000 | 2,078 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $71,000 | 3,114 |
| Income before extraordinary items | $1,410,000 | 1,887 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,410,000 | 1,886 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,410,000 | 1,887 |
| Net charge-offs | $148,000 | 4,629 |
| Cash dividends | $816,000 | 1,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,410,000 | 1,841 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,755,000 | 4,961 |
| Total interest expense | $934,000 | 4,901 |
| Net interest income | $1,821,000 | 4,855 |
| Provision for loan and lease losses | $220,000 | 4,203 |
| Total noninterest income | $210,000 | 5,142 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $90,000 | 4,852 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $120,000 | 4,485 |
| Total noninterest expense | $867,000 | 6,610 |
| Salaries and employee benefits | $473,000 | 6,454 |
| Premises and equipment expense | $94,000 | 6,697 |
| Additional noninterest expense | $300,000 | 6,489 |
| Pre-tax net operating income | $944,000 | 2,219 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $47,000 | 3,208 |
| Income before extraordinary items | $897,000 | 2,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $897,000 | 2,033 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $897,000 | 2,035 |
| Net charge-offs | $152,000 | 3,759 |
| Cash dividends | $632,000 | 1,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $897,000 | 1,967 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,375,000 | 5,000 |
| Total interest expense | $497,000 | 4,852 |
| Net interest income | $878,000 | 4,949 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $96,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $41,000 | 4,966 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $55,000 | 4,661 |
| Total noninterest expense | $410,000 | 6,696 |
| Salaries and employee benefits | $226,000 | 6,614 |
| Premises and equipment expense | $55,000 | 6,463 |
| Additional noninterest expense | $129,000 | 6,655 |
| Pre-tax net operating income | $534,000 | 2,257 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $27,000 | 3,369 |
| Income before extraordinary items | $507,000 | 2,104 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $507,000 | 2,105 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $507,000 | 2,105 |
| Net charge-offs | $-2,000 | 7,404 |
| Cash dividends | $244,000 | 1,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $507,000 | 1,975 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,935,000 | 4,967 |
| Total interest expense | $2,549,000 | 4,691 |
| Net interest income | $3,386,000 | 5,070 |
| Provision for loan and lease losses | $142,000 | 5,633 |
| Total noninterest income | $359,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $225,000 | 4,565 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $134,000 | 5,499 |
| Total noninterest expense | $1,774,000 | 6,520 |
| Salaries and employee benefits | $925,000 | 6,596 |
| Premises and equipment expense | $244,000 | 6,302 |
| Additional noninterest expense | $605,000 | 6,207 |
| Pre-tax net operating income | $1,829,000 | 2,638 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $86,000 | 3,499 |
| Income before extraordinary items | $1,743,000 | 2,250 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,743,000 | 2,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,155 |
| Cash dividends | $1,060,000 | 2,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,743,000 | 2,381 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,490,000 | 5,019 |
| Total interest expense | $1,985,000 | 4,729 |
| Net interest income | $2,505,000 | 5,143 |
| Provision for loan and lease losses | $105,000 | 5,094 |
| Total noninterest income | $280,000 | 5,501 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $170,000 | 4,593 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $110,000 | 5,468 |
| Total noninterest expense | $1,283,000 | 6,598 |
| Salaries and employee benefits | $677,000 | 6,663 |
| Premises and equipment expense | $183,000 | 6,316 |
| Additional noninterest expense | $423,000 | 6,339 |
| Pre-tax net operating income | $1,397,000 | 2,990 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $70,000 | 3,881 |
| Income before extraordinary items | $1,327,000 | 2,567 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,327,000 | 2,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,164 |
| Cash dividends | $660,000 | 2,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,327,000 | 2,690 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,013,000 | 5,065 |
| Total interest expense | $1,383,000 | 4,737 |
| Net interest income | $1,630,000 | 5,229 |
| Provision for loan and lease losses | $68,000 | 4,798 |
| Total noninterest income | $185,000 | 5,600 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $110,000 | 4,655 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $75,000 | 5,519 |
| Total noninterest expense | $851,000 | 6,663 |
| Salaries and employee benefits | $462,000 | 6,667 |
| Premises and equipment expense | $129,000 | 6,213 |
| Additional noninterest expense | $260,000 | 6,551 |
| Pre-tax net operating income | $896,000 | 3,177 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $44,000 | 4,166 |
| Income before extraordinary items | $852,000 | 2,925 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $852,000 | 2,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,516 |
| Cash dividends | $497,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $852,000 | 2,878 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,532,000 | 5,113 |
| Total interest expense | $730,000 | 4,777 |
| Net interest income | $802,000 | 5,309 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $97,000 | 5,495 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $54,000 | 4,649 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $43,000 | 5,319 |
| Total noninterest expense | $397,000 | 6,836 |
| Salaries and employee benefits | $216,000 | 6,834 |
| Premises and equipment expense | $58,000 | 6,485 |
| Additional noninterest expense | $123,000 | 6,666 |
| Pre-tax net operating income | $472,000 | 3,190 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $24,000 | 4,234 |
| Income before extraordinary items | $448,000 | 2,937 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $448,000 | 2,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,138 |
| Cash dividends | $225,000 | 2,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $448,000 | 2,850 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,133,000 | 5,150 |
| Total interest expense | $3,092,000 | 4,711 |
| Net interest income | $3,041,000 | 5,465 |
| Provision for loan and lease losses | $90,000 | 5,036 |
| Total noninterest income | $347,000 | 5,764 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $223,000 | 4,682 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $124,000 | 5,886 |
| Total noninterest expense | $1,721,000 | 6,582 |
| Salaries and employee benefits | $897,000 | 6,711 |
| Premises and equipment expense | $244,000 | 6,315 |
| Additional noninterest expense | $580,000 | 6,217 |
| Pre-tax net operating income | $1,577,000 | 3,816 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $79,000 | 4,642 |
| Income before extraordinary items | $1,498,000 | 3,456 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,498,000 | 3,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,101 |
| Cash dividends | $1,052,000 | 2,536 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,498,000 | 3,444 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,562,000 | 5,201 |
| Total interest expense | $2,299,000 | 4,740 |
| Net interest income | $2,263,000 | 5,514 |
| Provision for loan and lease losses | $60,000 | 4,834 |
| Total noninterest income | $254,000 | 5,879 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $160,000 | 4,785 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $94,000 | 5,907 |
| Total noninterest expense | $1,227,000 | 6,697 |
| Salaries and employee benefits | $659,000 | 6,725 |
| Premises and equipment expense | $177,000 | 6,379 |
| Additional noninterest expense | $391,000 | 6,458 |
| Pre-tax net operating income | $1,230,000 | 3,892 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $62,000 | 4,812 |
| Income before extraordinary items | $1,168,000 | 3,531 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,168,000 | 3,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $895,000 | 2,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,168,000 | 3,515 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,024,000 | 5,229 |
| Total interest expense | $1,512,000 | 4,774 |
| Net interest income | $1,512,000 | 5,543 |
| Provision for loan and lease losses | $60,000 | 3,990 |
| Total noninterest income | $163,000 | 5,982 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $101,000 | 4,923 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $62,000 | 5,942 |
| Total noninterest expense | $810,000 | 6,777 |
| Salaries and employee benefits | $453,000 | 6,713 |
| Premises and equipment expense | $118,000 | 6,409 |
| Additional noninterest expense | $239,000 | 6,700 |
| Pre-tax net operating income | $805,000 | 4,006 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $40,000 | 4,929 |
| Income before extraordinary items | $765,000 | 3,619 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $765,000 | 3,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,320 |
| Cash dividends | $615,000 | 2,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $765,000 | 3,590 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,476,000 | 5,311 |
| Total interest expense | $743,000 | 4,802 |
| Net interest income | $733,000 | 5,643 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $83,000 | 5,910 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $48,000 | 4,963 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $35,000 | 5,742 |
| Total noninterest expense | $387,000 | 6,906 |
| Salaries and employee benefits | $209,000 | 6,936 |
| Premises and equipment expense | $57,000 | 6,519 |
| Additional noninterest expense | $121,000 | 6,672 |
| Pre-tax net operating income | $399,000 | 4,002 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $20,000 | 4,933 |
| Income before extraordinary items | $379,000 | 3,624 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $379,000 | 3,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $210,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $379,000 | 3,604 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,541,000 | 5,260 |
| Total interest expense | $2,599,000 | 4,720 |
| Net interest income | $2,942,000 | 5,586 |
| Provision for loan and lease losses | $228,000 | 3,291 |
| Total noninterest income | $334,000 | 5,974 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $220,000 | 4,791 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $114,000 | 6,103 |
| Total noninterest expense | $1,591,000 | 6,741 |
| Salaries and employee benefits | $828,000 | 6,881 |
| Premises and equipment expense | $254,000 | 6,176 |
| Additional noninterest expense | $509,000 | 6,496 |
| Pre-tax net operating income | $1,457,000 | 4,353 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $73,000 | 5,201 |
| Income before extraordinary items | $1,384,000 | 3,960 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,384,000 | 3,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,997 |
| Cash dividends | $775,000 | 3,031 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,384,000 | 3,938 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,098,000 | 5,301 |
| Total interest expense | $1,878,000 | 4,731 |
| Net interest income | $2,220,000 | 5,624 |
| Provision for loan and lease losses | $97,000 | 4,157 |
| Total noninterest income | $262,000 | 5,903 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $166,000 | 4,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $96,000 | 5,919 |
| Total noninterest expense | $1,138,000 | 6,869 |
| Salaries and employee benefits | $587,000 | 7,006 |
| Premises and equipment expense | $180,000 | 6,340 |
| Additional noninterest expense | $371,000 | 6,563 |
| Pre-tax net operating income | $1,247,000 | 4,207 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $63,000 | 5,287 |
| Income before extraordinary items | $1,184,000 | 3,779 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,184,000 | 3,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $543,000 | 2,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,184,000 | 3,757 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,683,000 | 5,324 |
| Total interest expense | $1,209,000 | 4,690 |
| Net interest income | $1,474,000 | 5,656 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $161,000 | 6,108 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $104,000 | 4,933 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $752,000 | 6,929 |
| Salaries and employee benefits | $404,000 | 6,954 |
| Premises and equipment expense | $122,000 | 6,308 |
| Additional noninterest expense | $226,000 | 6,830 |
| Pre-tax net operating income | $823,000 | 4,261 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $41,000 | 5,369 |
| Income before extraordinary items | $782,000 | 3,804 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $782,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $254,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $782,000 | 3,797 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,307,000 | 5,336 |
| Total interest expense | $578,000 | 4,682 |
| Net interest income | $729,000 | 5,677 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $73,000 | 6,246 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $46,000 | 5,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $27,000 | 6,246 |
| Total noninterest expense | $369,000 | 6,983 |
| Salaries and employee benefits | $194,000 | 7,068 |
| Premises and equipment expense | $57,000 | 6,485 |
| Additional noninterest expense | $118,000 | 6,671 |
| Pre-tax net operating income | $403,000 | 4,262 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $20,000 | 5,352 |
| Income before extraordinary items | $383,000 | 3,809 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $383,000 | 3,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $107,000 | 3,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $383,000 | 3,792 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,388,000 | 5,562 |
| Total interest expense | $1,605,000 | 5,063 |
| Net interest income | $2,783,000 | 5,739 |
| Provision for loan and lease losses | $80,000 | 5,115 |
| Total noninterest income | $319,000 | 6,211 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $201,000 | 5,024 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $118,000 | 6,141 |
| Total noninterest expense | $1,567,000 | 6,777 |
| Salaries and employee benefits | $748,000 | 7,106 |
| Premises and equipment expense | $248,000 | 6,233 |
| Additional noninterest expense | $571,000 | 6,210 |
| Pre-tax net operating income | $1,455,000 | 4,463 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $72,000 | 5,621 |
| Income before extraordinary items | $1,383,000 | 3,988 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,383,000 | 3,989 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,564 |
| Cash dividends | $955,000 | 2,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,383,000 | 3,957 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,142,000 | 5,662 |
| Total interest expense | $1,090,000 | 5,203 |
| Net interest income | $2,052,000 | 5,811 |
| Provision for loan and lease losses | $50,000 | 5,172 |
| Total noninterest income | $234,000 | 6,272 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $153,000 | 5,029 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $81,000 | 6,299 |
| Total noninterest expense | $1,078,000 | 6,986 |
| Salaries and employee benefits | $540,000 | 7,176 |
| Premises and equipment expense | $171,000 | 6,411 |
| Additional noninterest expense | $367,000 | 6,606 |
| Pre-tax net operating income | $1,158,000 | 4,398 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $58,000 | 5,689 |
| Income before extraordinary items | $1,100,000 | 3,902 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,100,000 | 3,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $470,000 | 2,909 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,100,000 | 3,859 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,003,000 | 5,736 |
| Total interest expense | $657,000 | 5,326 |
| Net interest income | $1,346,000 | 5,852 |
| Provision for loan and lease losses | $20,000 | 5,646 |
| Total noninterest income | $140,000 | 6,471 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $96,000 | 5,125 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $44,000 | 6,606 |
| Total noninterest expense | $711,000 | 7,028 |
| Salaries and employee benefits | $368,000 | 7,136 |
| Premises and equipment expense | $111,000 | 6,473 |
| Additional noninterest expense | $232,000 | 6,756 |
| Pre-tax net operating income | $755,000 | 4,421 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $38,000 | 5,720 |
| Income before extraordinary items | $717,000 | 3,928 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $717,000 | 3,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $332,000 | 2,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $717,000 | 3,876 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $958,000 | 5,858 |
| Total interest expense | $294,000 | 5,537 |
| Net interest income | $664,000 | 5,900 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $72,000 | 6,381 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $44,000 | 5,270 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $28,000 | 6,283 |
| Total noninterest expense | $327,000 | 7,265 |
| Salaries and employee benefits | $174,000 | 7,322 |
| Premises and equipment expense | $52,000 | 6,674 |
| Additional noninterest expense | $101,000 | 7,119 |
| Pre-tax net operating income | $409,000 | 4,213 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $20,000 | 5,658 |
| Income before extraordinary items | $389,000 | 3,688 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $389,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $205,000 | 2,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $389,000 | 3,650 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,509,000 | 5,963 |
| Total interest expense | $944,000 | 5,821 |
| Net interest income | $2,565,000 | 5,929 |
| Provision for loan and lease losses | $43,000 | 6,114 |
| Total noninterest income | $270,000 | 6,612 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $167,000 | 5,592 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $103,000 | 6,364 |
| Total noninterest expense | $1,313,000 | 7,240 |
| Salaries and employee benefits | $674,000 | 7,379 |
| Premises and equipment expense | $180,000 | 6,974 |
| Additional noninterest expense | $459,000 | 6,799 |
| Pre-tax net operating income | $1,479,000 | 4,277 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $74,000 | 5,779 |
| Income before extraordinary items | $1,405,000 | 3,798 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,405,000 | 3,799 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,102 |
| Cash dividends | $763,000 | 2,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,405,000 | 3,738 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 6,023 |
| Total interest expense | $661,000 | 5,984 |
| Net interest income | $1,919,000 | 5,930 |
| Provision for loan and lease losses | $23,000 | 6,245 |
| Total noninterest income | $207,000 | 6,609 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $128,000 | 5,592 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $79,000 | 6,329 |
| Total noninterest expense | $968,000 | 7,242 |
| Salaries and employee benefits | $482,000 | 7,437 |
| Premises and equipment expense | $133,000 | 6,990 |
| Additional noninterest expense | $353,000 | 6,689 |
| Pre-tax net operating income | $1,135,000 | 4,303 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $57,000 | 5,866 |
| Income before extraordinary items | $1,078,000 | 3,831 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,078,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $346,000 | 3,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,078,000 | 3,753 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,683,000 | 6,105 |
| Total interest expense | $414,000 | 6,197 |
| Net interest income | $1,269,000 | 5,971 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $134,000 | 6,700 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $77,000 | 5,788 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $57,000 | 6,220 |
| Total noninterest expense | $607,000 | 7,438 |
| Salaries and employee benefits | $328,000 | 7,440 |
| Premises and equipment expense | $88,000 | 7,035 |
| Additional noninterest expense | $191,000 | 7,234 |
| Pre-tax net operating income | $796,000 | 4,129 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $40,000 | 5,827 |
| Income before extraordinary items | $756,000 | 3,674 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $756,000 | 3,674 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $235,000 | 3,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $756,000 | 3,583 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $829,000 | 6,162 |
| Total interest expense | $201,000 | 6,338 |
| Net interest income | $628,000 | 5,993 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $60,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $36,000 | 5,877 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $292,000 | 7,564 |
| Salaries and employee benefits | $156,000 | 7,599 |
| Premises and equipment expense | $41,000 | 7,205 |
| Additional noninterest expense | $95,000 | 7,267 |
| Pre-tax net operating income | $396,000 | 4,109 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $20,000 | 5,783 |
| Income before extraordinary items | $376,000 | 3,677 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $376,000 | 3,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,741 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $376,000 | 3,549 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,163,000 | 6,362 |
| Total interest expense | $898,000 | 6,418 |
| Net interest income | $2,265,000 | 6,239 |
| Provision for loan and lease losses | $84,000 | 5,577 |
| Total noninterest income | $283,000 | 6,705 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $142,000 | 5,959 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $141,000 | 5,934 |
| Total noninterest expense | $1,051,000 | 7,773 |
| Salaries and employee benefits | $577,000 | 7,794 |
| Premises and equipment expense | $116,000 | 7,857 |
| Additional noninterest expense | $358,000 | 7,395 |
| Pre-tax net operating income | $1,413,000 | 4,284 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $71,000 | 6,025 |
| Income before extraordinary items | $1,342,000 | 3,835 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,342,000 | 3,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $772,000 | 2,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,342,000 | 3,677 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,358,000 | 6,443 |
| Total interest expense | $684,000 | 6,521 |
| Net interest income | $1,674,000 | 6,310 |
| Provision for loan and lease losses | $63,000 | 5,456 |
| Total noninterest income | $235,000 | 6,548 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $110,000 | 5,945 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $125,000 | 5,672 |
| Total noninterest expense | $756,000 | 7,847 |
| Salaries and employee benefits | $417,000 | 7,848 |
| Premises and equipment expense | $78,000 | 8,039 |
| Additional noninterest expense | $261,000 | 7,464 |
| Pre-tax net operating income | $1,090,000 | 4,327 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $55,000 | 6,135 |
| Income before extraordinary items | $1,035,000 | 3,904 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,035,000 | 3,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,999 |
| Cash dividends | $424,000 | 2,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,035,000 | 3,745 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,553,000 | 6,536 |
| Total interest expense | $469,000 | 6,571 |
| Net interest income | $1,084,000 | 6,397 |
| Provision for loan and lease losses | $42,000 | 5,388 |
| Total noninterest income | $154,000 | 6,583 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $75,000 | 5,891 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $79,000 | 5,734 |
| Total noninterest expense | $474,000 | 8,005 |
| Salaries and employee benefits | $265,000 | 7,966 |
| Premises and equipment expense | $57,000 | 7,891 |
| Additional noninterest expense | $152,000 | 7,741 |
| Pre-tax net operating income | $722,000 | 4,346 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $36,000 | 6,202 |
| Income before extraordinary items | $686,000 | 3,921 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $686,000 | 3,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $304,000 | 2,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $686,000 | 3,737 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $767,000 | 6,614 |
| Total interest expense | $237,000 | 6,637 |
| Net interest income | $530,000 | 6,467 |
| Provision for loan and lease losses | $21,000 | 5,171 |
| Total noninterest income | $64,000 | 6,903 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $28,000 | 6,362 |
| Total noninterest expense | $224,000 | 8,139 |
| Salaries and employee benefits | $124,000 | 8,121 |
| Premises and equipment expense | $24,000 | 8,165 |
| Additional noninterest expense | $76,000 | 7,777 |
| Pre-tax net operating income | $349,000 | 4,396 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $17,000 | 6,213 |
| Income before extraordinary items | $332,000 | 3,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $332,000 | 3,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $332,000 | 3,774 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,164,000 | 6,682 |
| Total interest expense | $1,205,000 | 6,410 |
| Net interest income | $1,959,000 | 6,687 |
| Provision for loan and lease losses | $84,000 | 5,998 |
| Total noninterest income | $252,000 | 6,836 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $132,000 | 6,089 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $120,000 | 6,062 |
| Total noninterest expense | $864,000 | 8,223 |
| Salaries and employee benefits | $456,000 | 8,299 |
| Premises and equipment expense | $131,000 | 7,717 |
| Additional noninterest expense | $277,000 | 7,974 |
| Pre-tax net operating income | $1,263,000 | 4,574 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $63,000 | 6,371 |
| Income before extraordinary items | $1,200,000 | 4,090 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,200,000 | 4,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,685 |
| Cash dividends | $456,000 | 3,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,200,000 | 3,980 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,160,000 | 7,083 |
| Total interest expense | $1,708,000 | 6,589 |
| Net interest income | $1,452,000 | 7,415 |
| Provision for loan and lease losses | $84,000 | 5,921 |
| Total noninterest income | $211,000 | 7,197 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $102,000 | 6,538 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $109,000 | 6,235 |
| Total noninterest expense | $767,000 | 8,531 |
| Salaries and employee benefits | $414,000 | 8,562 |
| Premises and equipment expense | $115,000 | 8,081 |
| Additional noninterest expense | $238,000 | 8,333 |
| Pre-tax net operating income | $812,000 | 5,451 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $41,000 | 6,866 |
| Income before extraordinary items | $771,000 | 4,963 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $771,000 | 4,966 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $174,000 | 5,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $771,000 | 4,845 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,614,000 | 7,795 |
| Total interest expense | $1,488,000 | 7,193 |
| Net interest income | $1,126,000 | 8,235 |
| Provision for loan and lease losses | $84,000 | 5,667 |
| Total noninterest income | $142,000 | 8,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 6,836 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,624 |
| Total noninterest expense | $677,000 | 8,882 |
| Salaries and employee benefits | $374,000 | 8,888 |
| Premises and equipment expense | $102,000 | 8,406 |
| Additional noninterest expense | $201,000 | 8,773 |
| Pre-tax net operating income | $507,000 | 6,958 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $25,000 | 7,722 |
| Income before extraordinary items | $482,000 | 6,416 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $482,000 | 6,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $195,000 | 5,192 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $482,000 | 6,428 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,857,000 | 8,660 |
| Total interest expense | $982,000 | 8,219 |
| Net interest income | $875,000 | 8,902 |
| Provision for loan and lease losses | $80,000 | 5,643 |
| Total noninterest income | $96,000 | 8,881 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,602 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 8,584 |
| Total noninterest expense | $581,000 | 9,382 |
| Salaries and employee benefits | $307,000 | 9,430 |
| Premises and equipment expense | $99,000 | 8,653 |
| Additional noninterest expense | $175,000 | 9,281 |
| Pre-tax net operating income | $310,000 | 8,038 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $16,000 | 8,309 |
| Income before extraordinary items | $294,000 | 7,641 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $294,000 | 7,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $294,000 | 7,609 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,325,000 | 9,503 |
| Total interest expense | $708,000 | 9,179 |
| Net interest income | $617,000 | 9,691 |
| Provision for loan and lease losses | $22,000 | 7,668 |
| Total noninterest income | $78,000 | 9,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 8,314 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 8,570 |
| Total noninterest expense | $489,000 | 9,820 |
| Salaries and employee benefits | $262,000 | 9,819 |
| Premises and equipment expense | $90,000 | 8,926 |
| Additional noninterest expense | $137,000 | 9,782 |
| Pre-tax net operating income | $184,000 | 8,980 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $9,000 | 9,103 |
| Income before extraordinary items | $175,000 | 8,799 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $175,000 | 8,797 |
| 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 | $0 | 1,027 |
| Net operating income | $175,000 | 8,734 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $847,000 | 10,440 |
| Total interest expense | $418,000 | 10,301 |
| Net interest income | $429,000 | 10,517 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $52,000 | 10,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $39,000 | 8,702 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 10,252 |
| Total noninterest expense | $442,000 | 10,356 |
| Salaries and employee benefits | $248,000 | 10,284 |
| Premises and equipment expense | $85,000 | 9,322 |
| Additional noninterest expense | $109,000 | 10,450 |
| Pre-tax net operating income | $-21,000 | 10,415 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $13,000 | 9,855 |
| Income before extraordinary items | $-34,000 | 10,446 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-34,000 | 10,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-34,000 | 10,412 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $285,000 | 11,353 |
| Total interest expense | $89,000 | 11,338 |
| Net interest income | $196,000 | 11,337 |
| Provision for loan and lease losses | $65,000 | 5,977 |
| Total noninterest income | $26,000 | 11,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $21,000 | 9,558 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $5,000 | 11,207 |
| Total noninterest expense | $462,000 | 10,741 |
| Salaries and employee benefits | $243,000 | 10,763 |
| Premises and equipment expense | $83,000 | 9,731 |
| Additional noninterest expense | $136,000 | 10,728 |
| Pre-tax net operating income | $-305,000 | 11,144 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-114,000 | 11,190 |
| Income before extraordinary items | $-191,000 | 11,101 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-191,000 | 11,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-191,000 | 11,060 |
* 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.