Home > Virginia Savings Bank, F.S.B. > Income and Expense
Virginia Savings Bank, F.S.B., Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 4,229 |
| Total interest expense | $287,000 | 3,609 |
| Net interest income | $1,081,000 | 4,304 |
| Provision for loan and lease losses | $39,000 | 3,959 |
| Total noninterest income | $245,000 | 3,281 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $139,000 | 2,273 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $106,000 | 3,615 |
| Total noninterest expense | $1,124,000 | 3,809 |
| Salaries and employee benefits | $600,000 | 3,737 |
| Premises and equipment expense | $95,000 | 4,508 |
| Additional noninterest expense | $429,000 | 3,484 |
| Pre-tax net operating income | $163,000 | 4,812 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $62,000 | 2,866 |
| Income before extraordinary items | $101,000 | 5,337 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $101,000 | 5,338 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $101,000 | 5,338 |
| Net charge-offs | $56,000 | 2,935 |
| Cash dividends | $19,000 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $101,000 | 5,189 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $6,156,000 | 3,984 |
| Total interest expense | $1,286,000 | 3,810 |
| Net interest income | $4,870,000 | 3,974 |
| Provision for loan and lease losses | $172,000 | 4,805 |
| Total noninterest income | $1,046,000 | 3,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 6,938 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,043,000 | 2,078 |
| Total noninterest expense | $4,943,000 | 3,571 |
| Salaries and employee benefits | $2,569,000 | 3,486 |
| Premises and equipment expense | $1,083,000 | 2,238 |
| Additional noninterest expense | $1,291,000 | 4,250 |
| Pre-tax net operating income | $801,000 | 4,083 |
| Securities gains (losses) | $18,000 | 3,129 |
| Applicable income taxes | $295,000 | 2,550 |
| Income before extraordinary items | $524,000 | 4,591 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $524,000 | 4,594 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $524,000 | 4,593 |
| Net charge-offs | $253,000 | 4,001 |
| Cash dividends | $75,000 | 3,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $512,480 | 4,513 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $4,699,000 | 3,981 |
| Total interest expense | $977,000 | 3,882 |
| Net interest income | $3,722,000 | 3,941 |
| Provision for loan and lease losses | $82,000 | 5,184 |
| Total noninterest income | $783,000 | 3,049 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,025 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $783,000 | 2,068 |
| Total noninterest expense | $3,545,000 | 3,691 |
| Salaries and employee benefits | $1,918,000 | 3,501 |
| Premises and equipment expense | $800,000 | 2,310 |
| Additional noninterest expense | $827,000 | 4,695 |
| Pre-tax net operating income | $878,000 | 3,549 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $319,000 | 2,200 |
| Income before extraordinary items | $559,000 | 4,141 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $559,000 | 4,143 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $559,000 | 4,143 |
| Net charge-offs | $142,000 | 4,076 |
| Cash dividends | $57,000 | 3,353 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $559,000 | 4,024 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,177,000 | 3,973 |
| Total interest expense | $659,000 | 3,959 |
| Net interest income | $2,518,000 | 3,917 |
| Provision for loan and lease losses | $38,000 | 5,321 |
| Total noninterest income | $501,000 | 3,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,067 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $501,000 | 2,093 |
| Total noninterest expense | $2,337,000 | 3,753 |
| Salaries and employee benefits | $1,269,000 | 3,549 |
| Premises and equipment expense | $527,000 | 2,350 |
| Additional noninterest expense | $541,000 | 4,799 |
| Pre-tax net operating income | $644,000 | 3,330 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $243,000 | 2,016 |
| Income before extraordinary items | $401,000 | 3,974 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $401,000 | 3,975 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $401,000 | 3,976 |
| Net charge-offs | $117,000 | 3,688 |
| Cash dividends | $38,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $401,000 | 3,871 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 3,957 |
| Total interest expense | $331,000 | 4,054 |
| Net interest income | $1,295,000 | 3,855 |
| Provision for loan and lease losses | $42,000 | 4,367 |
| Total noninterest income | $238,000 | 3,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 7,070 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $238,000 | 2,223 |
| Total noninterest expense | $1,169,000 | 3,771 |
| Salaries and employee benefits | $626,000 | 3,604 |
| Premises and equipment expense | $257,000 | 2,433 |
| Additional noninterest expense | $286,000 | 4,663 |
| Pre-tax net operating income | $322,000 | 3,393 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $122,000 | 1,985 |
| Income before extraordinary items | $200,000 | 3,989 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $200,000 | 3,988 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $200,000 | 3,989 |
| Net charge-offs | $73,000 | 3,036 |
| Cash dividends | $19,000 | 2,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $200,000 | 3,932 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,207,000 | 4,218 |
| Total interest expense | $1,546,000 | 4,195 |
| Net interest income | $4,661,000 | 4,146 |
| Provision for loan and lease losses | $277,000 | 4,957 |
| Total noninterest income | $1,121,000 | 3,031 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,121,000 | 2,043 |
| Total noninterest expense | $4,817,000 | 3,727 |
| Salaries and employee benefits | $2,612,000 | 3,474 |
| Premises and equipment expense | $1,160,000 | 2,173 |
| Additional noninterest expense | $1,045,000 | 4,971 |
| Pre-tax net operating income | $688,000 | 3,938 |
| Securities gains (losses) | $22,000 | 3,064 |
| Applicable income taxes | $228,000 | 2,614 |
| Income before extraordinary items | $482,000 | 4,364 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $482,000 | 4,366 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $482,000 | 4,365 |
| Net charge-offs | $308,000 | 4,263 |
| Cash dividends | $75,000 | 3,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $467,040 | 4,271 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 4,318 |
| Total interest expense | $1,177,000 | 4,295 |
| Net interest income | $3,463,000 | 4,234 |
| Provision for loan and lease losses | $167,000 | 5,132 |
| Total noninterest income | $789,000 | 3,178 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $789,000 | 2,083 |
| Total noninterest expense | $3,664,000 | 3,692 |
| Salaries and employee benefits | $1,956,000 | 3,496 |
| Premises and equipment expense | $891,000 | 2,149 |
| Additional noninterest expense | $817,000 | 4,865 |
| Pre-tax net operating income | $421,000 | 4,440 |
| Securities gains (losses) | $22,000 | 2,851 |
| Applicable income taxes | $189,000 | 2,609 |
| Income before extraordinary items | $254,000 | 5,075 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $254,000 | 5,077 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $254,000 | 5,078 |
| Net charge-offs | $200,000 | 4,228 |
| Cash dividends | $56,000 | 3,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $239,920 | 4,963 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,098,000 | 4,350 |
| Total interest expense | $790,000 | 4,383 |
| Net interest income | $2,308,000 | 4,240 |
| Provision for loan and lease losses | $171,000 | 4,458 |
| Total noninterest income | $527,000 | 3,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $527,000 | 2,019 |
| Total noninterest expense | $2,484,000 | 3,638 |
| Salaries and employee benefits | $1,325,000 | 3,478 |
| Premises and equipment expense | $626,000 | 2,068 |
| Additional noninterest expense | $533,000 | 4,908 |
| Pre-tax net operating income | $180,000 | 5,045 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $91,000 | 2,862 |
| Income before extraordinary items | $89,000 | 5,616 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $89,000 | 5,619 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $89,000 | 5,618 |
| Net charge-offs | $182,000 | 3,643 |
| Cash dividends | $37,000 | 3,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $89,000 | 5,494 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,565,000 | 4,372 |
| Total interest expense | $404,000 | 4,458 |
| Net interest income | $1,161,000 | 4,249 |
| Provision for loan and lease losses | $65,000 | 4,501 |
| Total noninterest income | $242,000 | 3,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $242,000 | 2,114 |
| Total noninterest expense | $1,199,000 | 3,762 |
| Salaries and employee benefits | $674,000 | 3,490 |
| Premises and equipment expense | $317,000 | 2,105 |
| Additional noninterest expense | $208,000 | 5,596 |
| Pre-tax net operating income | $139,000 | 4,668 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $53,000 | 2,744 |
| Income before extraordinary items | $86,000 | 5,168 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $86,000 | 5,169 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $86,000 | 5,168 |
| Net charge-offs | $34,000 | 4,045 |
| Cash dividends | $19,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $86,000 | 5,049 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,564,000 | 4,360 |
| Total interest expense | $2,202,000 | 4,196 |
| Net interest income | $4,362,000 | 4,316 |
| Provision for loan and lease losses | $497,000 | 4,557 |
| Total noninterest income | $1,450,000 | 2,611 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,450,000 | 1,689 |
| Total noninterest expense | $5,252,000 | 3,533 |
| Salaries and employee benefits | $2,685,000 | 3,500 |
| Premises and equipment expense | $1,268,000 | 2,113 |
| Additional noninterest expense | $1,299,000 | 4,510 |
| Pre-tax net operating income | $63,000 | 5,209 |
| Securities gains (losses) | $-1,000 | 6,865 |
| Applicable income taxes | $102,000 | 2,868 |
| Income before extraordinary items | $-40,000 | 5,607 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-40,000 | 5,605 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-40,000 | 5,605 |
| Net charge-offs | $551,000 | 3,660 |
| Cash dividends | $76,000 | 4,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-39,360 | 5,579 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,984,000 | 4,381 |
| Total interest expense | $1,735,000 | 4,214 |
| Net interest income | $3,249,000 | 4,351 |
| Provision for loan and lease losses | $270,000 | 4,739 |
| Total noninterest income | $1,106,000 | 2,643 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,106,000 | 1,706 |
| Total noninterest expense | $3,882,000 | 3,578 |
| Salaries and employee benefits | $1,993,000 | 3,548 |
| Premises and equipment expense | $934,000 | 2,153 |
| Additional noninterest expense | $955,000 | 4,540 |
| Pre-tax net operating income | $203,000 | 4,912 |
| Securities gains (losses) | $-1,000 | 7,086 |
| Applicable income taxes | $81,000 | 3,024 |
| Income before extraordinary items | $121,000 | 5,220 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $121,000 | 5,218 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $121,000 | 5,218 |
| Net charge-offs | $320,000 | 3,626 |
| Cash dividends | $57,000 | 3,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $121,640 | 5,160 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,330,000 | 4,409 |
| Total interest expense | $1,223,000 | 4,195 |
| Net interest income | $2,107,000 | 4,427 |
| Provision for loan and lease losses | $192,000 | 4,384 |
| Total noninterest income | $796,000 | 2,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $796,000 | 1,651 |
| Total noninterest expense | $2,536,000 | 3,681 |
| Salaries and employee benefits | $1,317,000 | 3,619 |
| Premises and equipment expense | $620,000 | 2,203 |
| Additional noninterest expense | $599,000 | 4,731 |
| Pre-tax net operating income | $175,000 | 4,788 |
| Securities gains (losses) | $-1,000 | 7,343 |
| Applicable income taxes | $68,000 | 2,938 |
| Income before extraordinary items | $106,000 | 5,158 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 5,155 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $106,000 | 5,155 |
| Net charge-offs | $193,000 | 3,470 |
| Cash dividends | $38,000 | 3,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $106,640 | 5,068 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,677,000 | 4,431 |
| Total interest expense | $651,000 | 4,147 |
| Net interest income | $1,026,000 | 4,505 |
| Provision for loan and lease losses | $40,000 | 5,160 |
| Total noninterest income | $263,000 | 3,278 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $263,000 | 2,128 |
| Total noninterest expense | $1,189,000 | 3,791 |
| Salaries and employee benefits | $665,000 | 3,621 |
| Premises and equipment expense | $302,000 | 2,287 |
| Additional noninterest expense | $222,000 | 5,311 |
| Pre-tax net operating income | $60,000 | 5,492 |
| Securities gains (losses) | $-1,000 | 7,699 |
| Applicable income taxes | $14,000 | 3,806 |
| Income before extraordinary items | $45,000 | 5,766 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $45,000 | 5,769 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $45,000 | 5,769 |
| Net charge-offs | $19,000 | 4,361 |
| Cash dividends | $19,000 | 2,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $45,760 | 5,597 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,826,000 | 4,193 |
| Total interest expense | $3,739,000 | 3,689 |
| Net interest income | $4,087,000 | 4,527 |
| Provision for loan and lease losses | $1,771,000 | 1,948 |
| Total noninterest income | $1,253,000 | 2,961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,253,000 | 1,823 |
| Total noninterest expense | $5,860,000 | 3,152 |
| Salaries and employee benefits | $2,952,000 | 3,303 |
| Premises and equipment expense | $1,360,000 | 2,009 |
| Additional noninterest expense | $1,548,000 | 3,544 |
| Pre-tax net operating income | $-2,291,000 | 7,448 |
| Securities gains (losses) | $17,000 | 2,264 |
| Applicable income taxes | $-823,000 | 7,647 |
| Income before extraordinary items | $-1,451,000 | 7,198 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,451,000 | 7,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $996,000 | 1,968 |
| Cash dividends | $576,000 | 3,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,461,880 | 7,308 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,070,000 | 4,165 |
| Total interest expense | $2,960,000 | 3,660 |
| Net interest income | $3,110,000 | 4,511 |
| Provision for loan and lease losses | $1,272,000 | 1,583 |
| Total noninterest income | $1,034,000 | 2,846 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,034,000 | 1,774 |
| Total noninterest expense | $4,254,000 | 3,215 |
| Salaries and employee benefits | $2,224,000 | 3,329 |
| Premises and equipment expense | $1,014,000 | 2,022 |
| Additional noninterest expense | $1,016,000 | 3,818 |
| Pre-tax net operating income | $-1,382,000 | 7,702 |
| Securities gains (losses) | $17,000 | 2,103 |
| Applicable income taxes | $-477,000 | 7,870 |
| Income before extraordinary items | $-888,000 | 7,450 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-888,000 | 7,448 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $459,000 | 2,045 |
| Cash dividends | $557,000 | 2,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-899,050 | 7,575 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 4,156 |
| Total interest expense | $2,102,000 | 3,621 |
| Net interest income | $2,030,000 | 4,576 |
| Provision for loan and lease losses | $953,000 | 1,256 |
| Total noninterest income | $694,000 | 2,859 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $694,000 | 1,801 |
| Total noninterest expense | $2,778,000 | 3,291 |
| Salaries and employee benefits | $1,518,000 | 3,295 |
| Premises and equipment expense | $662,000 | 2,052 |
| Additional noninterest expense | $598,000 | 4,202 |
| Pre-tax net operating income | $-1,007,000 | 7,917 |
| Securities gains (losses) | $17,000 | 2,146 |
| Applicable income taxes | $-245,000 | 8,029 |
| Income before extraordinary items | $-745,000 | 7,864 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-745,000 | 7,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,066 |
| Cash dividends | $538,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-757,750 | 7,850 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,195,000 | 4,069 |
| Total interest expense | $1,175,000 | 3,504 |
| Net interest income | $1,020,000 | 4,556 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $364,000 | 2,775 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $364,000 | 1,733 |
| Total noninterest expense | $1,356,000 | 3,352 |
| Salaries and employee benefits | $774,000 | 3,250 |
| Premises and equipment expense | $325,000 | 2,083 |
| Additional noninterest expense | $257,000 | 4,594 |
| Pre-tax net operating income | $-47,000 | 7,384 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-25,000 | 7,928 |
| Income before extraordinary items | $-22,000 | 7,401 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-22,000 | 7,401 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,051 |
| Cash dividends | $519,000 | 1,311 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-22,000 | 7,332 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,465,000 | 3,664 |
| Total interest expense | $5,207,000 | 3,367 |
| Net interest income | $5,258,000 | 3,840 |
| Provision for loan and lease losses | $408,000 | 2,668 |
| Total noninterest income | $1,288,000 | 2,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,288,000 | 1,866 |
| Total noninterest expense | $5,683,000 | 3,111 |
| Salaries and employee benefits | $3,057,000 | 3,177 |
| Premises and equipment expense | $1,301,000 | 2,007 |
| Additional noninterest expense | $1,325,000 | 3,783 |
| Pre-tax net operating income | $455,000 | 6,114 |
| Securities gains (losses) | $66,000 | 714 |
| Applicable income taxes | $180,000 | 3,956 |
| Income before extraordinary items | $341,000 | 6,276 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $341,000 | 6,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 2,431 |
| Cash dividends | $786,000 | 3,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $298,100 | 6,419 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,113,000 | 3,575 |
| Total interest expense | $3,913,000 | 3,356 |
| Net interest income | $4,200,000 | 3,692 |
| Provision for loan and lease losses | $57,000 | 4,915 |
| Total noninterest income | $877,000 | 3,186 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $877,000 | 2,003 |
| Total noninterest expense | $4,067,000 | 3,204 |
| Salaries and employee benefits | $2,240,000 | 3,221 |
| Premises and equipment expense | $976,000 | 1,986 |
| Additional noninterest expense | $851,000 | 4,191 |
| Pre-tax net operating income | $953,000 | 4,463 |
| Securities gains (losses) | $66,000 | 583 |
| Applicable income taxes | $325,000 | 3,087 |
| Income before extraordinary items | $694,000 | 4,681 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $694,000 | 4,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,123 |
| Cash dividends | $591,000 | 2,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $649,120 | 4,847 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,473,000 | 3,546 |
| Total interest expense | $2,600,000 | 3,348 |
| Net interest income | $2,873,000 | 3,655 |
| Provision for loan and lease losses | $-12,000 | 8,360 |
| Total noninterest income | $534,000 | 3,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $534,000 | 2,156 |
| Total noninterest expense | $2,689,000 | 3,252 |
| Salaries and employee benefits | $1,495,000 | 3,254 |
| Premises and equipment expense | $640,000 | 2,027 |
| Additional noninterest expense | $554,000 | 4,257 |
| Pre-tax net operating income | $730,000 | 4,228 |
| Securities gains (losses) | $44,000 | 563 |
| Applicable income taxes | $263,000 | 2,898 |
| Income before extraordinary items | $511,000 | 4,502 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $511,000 | 4,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,680 |
| Cash dividends | $394,000 | 2,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $481,960 | 4,630 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,782,000 | 3,490 |
| Total interest expense | $1,312,000 | 3,298 |
| Net interest income | $1,470,000 | 3,595 |
| Provision for loan and lease losses | $-6,000 | 8,415 |
| Total noninterest income | $206,000 | 3,944 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $206,000 | 2,500 |
| Total noninterest expense | $1,281,000 | 3,391 |
| Salaries and employee benefits | $739,000 | 3,303 |
| Premises and equipment expense | $318,000 | 2,052 |
| Additional noninterest expense | $224,000 | 4,872 |
| Pre-tax net operating income | $401,000 | 3,990 |
| Securities gains (losses) | $44,000 | 434 |
| Applicable income taxes | $149,000 | 2,746 |
| Income before extraordinary items | $296,000 | 4,203 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $296,000 | 4,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,851 |
| Cash dividends | $197,000 | 2,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $266,520 | 4,411 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,206,000 | 3,268 |
| Total interest expense | $4,828,000 | 3,122 |
| Net interest income | $6,378,000 | 3,359 |
| Provision for loan and lease losses | $13,000 | 6,485 |
| Total noninterest income | $888,000 | 3,803 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $888,000 | 2,412 |
| Total noninterest expense | $4,981,000 | 3,365 |
| Salaries and employee benefits | $2,740,000 | 3,377 |
| Premises and equipment expense | $1,272,000 | 1,974 |
| Additional noninterest expense | $969,000 | 4,609 |
| Pre-tax net operating income | $2,272,000 | 3,360 |
| Securities gains (losses) | $59,000 | 653 |
| Applicable income taxes | $912,000 | 2,324 |
| Income before extraordinary items | $1,419,000 | 3,906 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,419,000 | 3,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,851 |
| Cash dividends | $591,000 | 3,488 |
| Sale, conversion, retirement of capital stock, net | $1,950,000 | 418 |
| Net operating income | $1,381,240 | 3,940 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,351,000 | 3,267 |
| Total interest expense | $3,491,000 | 3,118 |
| Net interest income | $4,860,000 | 3,343 |
| Provision for loan and lease losses | $4,000 | 6,573 |
| Total noninterest income | $654,000 | 3,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $654,000 | 2,428 |
| Total noninterest expense | $3,774,000 | 3,330 |
| Salaries and employee benefits | $2,085,000 | 3,331 |
| Premises and equipment expense | $952,000 | 1,984 |
| Additional noninterest expense | $737,000 | 4,545 |
| Pre-tax net operating income | $1,736,000 | 3,450 |
| Securities gains (losses) | $50,000 | 557 |
| Applicable income taxes | $658,000 | 2,457 |
| Income before extraordinary items | $1,128,000 | 3,877 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,128,000 | 3,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 2,301 |
| Cash dividends | $394,000 | 3,304 |
| Sale, conversion, retirement of capital stock, net | $1,950,000 | 316 |
| Net operating income | $1,096,000 | 3,932 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,491,000 | 3,265 |
| Total interest expense | $2,250,000 | 3,088 |
| Net interest income | $3,241,000 | 3,350 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $415,000 | 3,973 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $415,000 | 2,504 |
| Total noninterest expense | $2,484,000 | 3,363 |
| Salaries and employee benefits | $1,356,000 | 3,408 |
| Premises and equipment expense | $633,000 | 1,998 |
| Additional noninterest expense | $495,000 | 4,518 |
| Pre-tax net operating income | $1,172,000 | 3,412 |
| Securities gains (losses) | $40,000 | 485 |
| Applicable income taxes | $439,000 | 2,482 |
| Income before extraordinary items | $773,000 | 3,824 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $773,000 | 3,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,400 |
| Cash dividends | $197,000 | 3,748 |
| Sale, conversion, retirement of capital stock, net | $1,950,000 | 221 |
| Net operating income | $747,400 | 3,885 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,688,000 | 3,255 |
| Total interest expense | $1,063,000 | 3,107 |
| Net interest income | $1,625,000 | 3,322 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $196,000 | 4,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $196,000 | 2,526 |
| Total noninterest expense | $1,255,000 | 3,352 |
| Salaries and employee benefits | $683,000 | 3,398 |
| Premises and equipment expense | $324,000 | 1,952 |
| Additional noninterest expense | $248,000 | 4,507 |
| Pre-tax net operating income | $566,000 | 3,460 |
| Securities gains (losses) | $29,000 | 417 |
| Applicable income taxes | $216,000 | 2,496 |
| Income before extraordinary items | $379,000 | 3,829 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $379,000 | 3,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,300 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 140 |
| Net operating income | $360,440 | 3,940 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,238,000 | 3,353 |
| Total interest expense | $3,055,000 | 3,285 |
| Net interest income | $6,183,000 | 3,340 |
| Provision for loan and lease losses | $174,000 | 3,877 |
| Total noninterest income | $856,000 | 3,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $856,000 | 2,439 |
| Total noninterest expense | $4,563,000 | 3,482 |
| Salaries and employee benefits | $2,469,000 | 3,524 |
| Premises and equipment expense | $1,170,000 | 2,042 |
| Additional noninterest expense | $924,000 | 4,680 |
| Pre-tax net operating income | $2,302,000 | 3,347 |
| Securities gains (losses) | $77,000 | 793 |
| Applicable income taxes | $820,000 | 2,570 |
| Income before extraordinary items | $1,559,000 | 3,693 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,559,000 | 3,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,950 |
| Cash dividends | $713,000 | 3,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,508,180 | 3,742 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,615,000 | 3,427 |
| Total interest expense | $2,083,000 | 3,401 |
| Net interest income | $4,532,000 | 3,389 |
| Provision for loan and lease losses | $169,000 | 3,318 |
| Total noninterest income | $642,000 | 3,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $642,000 | 2,450 |
| Total noninterest expense | $3,371,000 | 3,507 |
| Salaries and employee benefits | $1,814,000 | 3,551 |
| Premises and equipment expense | $871,000 | 2,045 |
| Additional noninterest expense | $686,000 | 4,686 |
| Pre-tax net operating income | $1,634,000 | 3,532 |
| Securities gains (losses) | $77,000 | 753 |
| Applicable income taxes | $578,000 | 2,695 |
| Income before extraordinary items | $1,133,000 | 3,824 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,133,000 | 3,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,633 |
| Cash dividends | $713,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,082,180 | 3,904 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,202,000 | 3,483 |
| Total interest expense | $1,276,000 | 3,479 |
| Net interest income | $2,926,000 | 3,464 |
| Provision for loan and lease losses | $114,000 | 3,186 |
| Total noninterest income | $426,000 | 3,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $426,000 | 2,433 |
| Total noninterest expense | $2,233,000 | 3,503 |
| Salaries and employee benefits | $1,197,000 | 3,564 |
| Premises and equipment expense | $573,000 | 2,059 |
| Additional noninterest expense | $463,000 | 4,630 |
| Pre-tax net operating income | $1,005,000 | 3,687 |
| Securities gains (losses) | $31,000 | 949 |
| Applicable income taxes | $346,000 | 2,839 |
| Income before extraordinary items | $690,000 | 4,033 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $690,000 | 4,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,383 |
| Cash dividends | $713,000 | 1,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $669,230 | 4,061 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,012,000 | 3,572 |
| Total interest expense | $586,000 | 3,571 |
| Net interest income | $1,426,000 | 3,548 |
| Provision for loan and lease losses | $43,000 | 3,526 |
| Total noninterest income | $215,000 | 3,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $215,000 | 2,377 |
| Total noninterest expense | $1,111,000 | 3,538 |
| Salaries and employee benefits | $603,000 | 3,559 |
| Premises and equipment expense | $281,000 | 2,133 |
| Additional noninterest expense | $227,000 | 4,679 |
| Pre-tax net operating income | $487,000 | 3,753 |
| Securities gains (losses) | $20,000 | 797 |
| Applicable income taxes | $165,000 | 2,934 |
| Income before extraordinary items | $342,000 | 4,012 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $342,000 | 4,014 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,325 |
| Cash dividends | $713,000 | 902 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $328,600 | 4,084 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,642,000 | 3,536 |
| Total interest expense | $2,025,000 | 3,614 |
| Net interest income | $5,617,000 | 3,484 |
| Provision for loan and lease losses | $85,000 | 5,258 |
| Total noninterest income | $797,000 | 4,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $797,000 | 2,504 |
| Total noninterest expense | $4,398,000 | 3,484 |
| Salaries and employee benefits | $2,346,000 | 3,523 |
| Premises and equipment expense | $1,144,000 | 2,015 |
| Additional noninterest expense | $908,000 | 4,665 |
| Pre-tax net operating income | $1,931,000 | 3,582 |
| Securities gains (losses) | $167,000 | 923 |
| Applicable income taxes | $784,000 | 2,564 |
| Income before extraordinary items | $1,314,000 | 3,957 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,314,000 | 3,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,291 |
| Cash dividends | $712,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,207,120 | 4,122 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,625,000 | 3,571 |
| Total interest expense | $1,475,000 | 3,667 |
| Net interest income | $4,150,000 | 3,493 |
| Provision for loan and lease losses | $70,000 | 4,912 |
| Total noninterest income | $588,000 | 4,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $588,000 | 2,529 |
| Total noninterest expense | $3,267,000 | 3,483 |
| Salaries and employee benefits | $1,770,000 | 3,484 |
| Premises and equipment expense | $878,000 | 1,973 |
| Additional noninterest expense | $619,000 | 4,955 |
| Pre-tax net operating income | $1,401,000 | 3,750 |
| Securities gains (losses) | $128,000 | 1,018 |
| Applicable income taxes | $558,000 | 2,707 |
| Income before extraordinary items | $971,000 | 4,082 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $971,000 | 4,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,041 |
| Cash dividends | $712,000 | 2,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $889,080 | 4,233 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,700,000 | 3,607 |
| Total interest expense | $972,000 | 3,691 |
| Net interest income | $2,728,000 | 3,517 |
| Provision for loan and lease losses | $26,000 | 5,598 |
| Total noninterest income | $385,000 | 4,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $385,000 | 2,567 |
| Total noninterest expense | $2,198,000 | 3,477 |
| Salaries and employee benefits | $1,196,000 | 3,455 |
| Premises and equipment expense | $595,000 | 1,921 |
| Additional noninterest expense | $407,000 | 5,005 |
| Pre-tax net operating income | $889,000 | 3,832 |
| Securities gains (losses) | $74,000 | 1,213 |
| Applicable income taxes | $343,000 | 2,842 |
| Income before extraordinary items | $620,000 | 4,161 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $620,000 | 4,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,797 |
| Cash dividends | $712,000 | 1,673 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $572,640 | 4,286 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,846,000 | 3,617 |
| Total interest expense | $490,000 | 3,704 |
| Net interest income | $1,356,000 | 3,536 |
| Provision for loan and lease losses | $16,000 | 5,025 |
| Total noninterest income | $187,000 | 4,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $187,000 | 2,589 |
| Total noninterest expense | $1,098,000 | 3,496 |
| Salaries and employee benefits | $606,000 | 3,428 |
| Premises and equipment expense | $283,000 | 2,045 |
| Additional noninterest expense | $209,000 | 4,912 |
| Pre-tax net operating income | $429,000 | 3,914 |
| Securities gains (losses) | $44,000 | 1,269 |
| Applicable income taxes | $169,000 | 2,870 |
| Income before extraordinary items | $304,000 | 4,235 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $304,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $712,000 | 903 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $275,840 | 4,379 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,707,000 | 3,546 |
| Total interest expense | $2,444,000 | 3,394 |
| Net interest income | $5,263,000 | 3,553 |
| Provision for loan and lease losses | $66,000 | 5,889 |
| Total noninterest income | $592,000 | 5,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $592,000 | 3,285 |
| Total noninterest expense | $3,937,000 | 3,757 |
| Salaries and employee benefits | $2,012,000 | 3,901 |
| Premises and equipment expense | $1,074,000 | 2,120 |
| Additional noninterest expense | $851,000 | 4,837 |
| Pre-tax net operating income | $1,852,000 | 3,565 |
| Securities gains (losses) | $613,000 | 661 |
| Applicable income taxes | $892,000 | 2,335 |
| Income before extraordinary items | $1,573,000 | 3,446 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,573,000 | 3,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $475,000 | 3,637 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,180,680 | 4,013 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,862,000 | 3,556 |
| Total interest expense | $1,899,000 | 3,415 |
| Net interest income | $3,963,000 | 3,549 |
| Provision for loan and lease losses | $26,000 | 6,575 |
| Total noninterest income | $361,000 | 5,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $361,000 | 3,725 |
| Total noninterest expense | $2,848,000 | 3,849 |
| Salaries and employee benefits | $1,440,000 | 4,054 |
| Premises and equipment expense | $793,000 | 2,158 |
| Additional noninterest expense | $615,000 | 4,922 |
| Pre-tax net operating income | $1,450,000 | 3,586 |
| Securities gains (losses) | $521,000 | 669 |
| Applicable income taxes | $717,000 | 2,350 |
| Income before extraordinary items | $1,254,000 | 3,379 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,254,000 | 3,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $475,000 | 2,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $920,560 | 4,046 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,913,000 | 3,575 |
| Total interest expense | $1,311,000 | 3,421 |
| Net interest income | $2,602,000 | 3,587 |
| Provision for loan and lease losses | $45,000 | 5,281 |
| Total noninterest income | $290,000 | 5,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $290,000 | 3,363 |
| Total noninterest expense | $1,817,000 | 3,966 |
| Salaries and employee benefits | $906,000 | 4,236 |
| Premises and equipment expense | $519,000 | 2,180 |
| Additional noninterest expense | $392,000 | 5,079 |
| Pre-tax net operating income | $1,030,000 | 3,458 |
| Securities gains (losses) | $403,000 | 664 |
| Applicable income taxes | $510,000 | 2,286 |
| Income before extraordinary items | $923,000 | 3,152 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $923,000 | 3,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $475,000 | 2,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $665,080 | 3,832 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,914,000 | 3,661 |
| Total interest expense | $674,000 | 3,417 |
| Net interest income | $1,240,000 | 3,711 |
| Provision for loan and lease losses | $11,000 | 6,010 |
| Total noninterest income | $148,000 | 4,922 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $148,000 | 3,237 |
| Total noninterest expense | $925,000 | 3,910 |
| Salaries and employee benefits | $450,000 | 4,245 |
| Premises and equipment expense | $271,000 | 2,104 |
| Additional noninterest expense | $204,000 | 4,894 |
| Pre-tax net operating income | $452,000 | 3,740 |
| Securities gains (losses) | $191,000 | 676 |
| Applicable income taxes | $222,000 | 2,526 |
| Income before extraordinary items | $421,000 | 3,342 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $421,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $475,000 | 1,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $296,850 | 4,092 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,877,000 | 3,690 |
| Total interest expense | $3,136,000 | 3,423 |
| Net interest income | $4,741,000 | 3,829 |
| Provision for loan and lease losses | $87,000 | 5,962 |
| Total noninterest income | $543,000 | 4,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $543,000 | 3,136 |
| Total noninterest expense | $3,423,000 | 4,044 |
| Salaries and employee benefits | $1,651,000 | 4,358 |
| Premises and equipment expense | $981,000 | 2,222 |
| Additional noninterest expense | $791,000 | 4,962 |
| Pre-tax net operating income | $1,774,000 | 3,696 |
| Securities gains (losses) | $622,000 | 569 |
| Applicable income taxes | $878,000 | 2,425 |
| Income before extraordinary items | $1,518,000 | 3,465 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,518,000 | 3,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $333,000 | 4,152 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,119,920 | 4,166 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,010,000 | 4,023 |
| Total interest expense | $4,235,000 | 3,630 |
| Net interest income | $3,775,000 | 4,318 |
| Provision for loan and lease losses | $58,000 | 6,522 |
| Total noninterest income | $662,000 | 4,328 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $662,000 | 2,659 |
| Total noninterest expense | $3,031,000 | 4,299 |
| Salaries and employee benefits | $1,486,000 | 4,551 |
| Premises and equipment expense | $877,000 | 2,422 |
| Additional noninterest expense | $668,000 | 5,440 |
| Pre-tax net operating income | $1,348,000 | 4,134 |
| Securities gains (losses) | $375,000 | 759 |
| Applicable income taxes | $643,000 | 2,841 |
| Income before extraordinary items | $1,080,000 | 4,072 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,080,000 | 4,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,068 |
| Cash dividends | $308,000 | 4,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $840,000 | 4,631 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,500,000 | 4,332 |
| Total interest expense | $4,142,000 | 3,870 |
| Net interest income | $3,358,000 | 4,757 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $578,000 | 4,502 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $578,000 | 2,686 |
| Total noninterest expense | $2,816,000 | 4,454 |
| Salaries and employee benefits | $1,423,000 | 4,552 |
| Premises and equipment expense | $754,000 | 2,712 |
| Additional noninterest expense | $639,000 | 5,532 |
| Pre-tax net operating income | $1,045,000 | 5,151 |
| Securities gains (losses) | $61,000 | 675 |
| Applicable income taxes | $400,000 | 3,983 |
| Income before extraordinary items | $706,000 | 5,398 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $706,000 | 5,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,493 |
| Cash dividends | $309,000 | 4,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $666,960 | 5,552 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,218,000 | 4,833 |
| Total interest expense | $3,166,000 | 4,398 |
| Net interest income | $3,052,000 | 5,104 |
| Provision for loan and lease losses | $10,000 | 8,114 |
| Total noninterest income | $480,000 | 5,076 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $480,000 | 3,031 |
| Total noninterest expense | $2,541,000 | 4,823 |
| Salaries and employee benefits | $1,271,000 | 4,951 |
| Premises and equipment expense | $671,000 | 2,968 |
| Additional noninterest expense | $599,000 | 5,830 |
| Pre-tax net operating income | $981,000 | 5,367 |
| Securities gains (losses) | $124,000 | 656 |
| Applicable income taxes | $421,000 | 4,027 |
| Income before extraordinary items | $684,000 | 5,526 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $684,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $309,000 | 4,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $604,640 | 5,847 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,026,000 | 4,988 |
| Total interest expense | $3,104,000 | 4,595 |
| Net interest income | $2,922,000 | 5,227 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $499,000 | 4,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $499,000 | 2,986 |
| Total noninterest expense | $2,295,000 | 5,072 |
| Salaries and employee benefits | $1,155,000 | 5,222 |
| Premises and equipment expense | $565,000 | 3,354 |
| Additional noninterest expense | $575,000 | 5,911 |
| Pre-tax net operating income | $1,126,000 | 5,076 |
| Securities gains (losses) | $226,000 | 857 |
| Applicable income taxes | $494,000 | 3,871 |
| Income before extraordinary items | $858,000 | 4,971 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $858,000 | 4,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $262,000 | 4,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $713,360 | 5,441 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,856,000 | 5,161 |
| Total interest expense | $2,925,000 | 4,826 |
| Net interest income | $2,931,000 | 5,403 |
| Provision for loan and lease losses | $49,000 | 6,723 |
| Total noninterest income | $625,000 | 4,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $625,000 | 2,407 |
| Total noninterest expense | $2,041,000 | 5,579 |
| Salaries and employee benefits | $1,049,000 | 5,686 |
| Premises and equipment expense | $499,000 | 3,703 |
| Additional noninterest expense | $493,000 | 6,550 |
| Pre-tax net operating income | $1,466,000 | 4,576 |
| Securities gains (losses) | $111,000 | 947 |
| Applicable income taxes | $614,000 | 3,606 |
| Income before extraordinary items | $963,000 | 4,829 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $963,000 | 4,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,656 |
| Cash dividends | $166,000 | 5,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $891,960 | 5,028 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,494,000 | 5,527 |
| Total interest expense | $2,979,000 | 4,819 |
| Net interest income | $2,515,000 | 6,168 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $462,000 | 5,445 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $462,000 | 3,091 |
| Total noninterest expense | $2,440,000 | 5,102 |
| Salaries and employee benefits | $942,000 | 6,256 |
| Premises and equipment expense | $517,000 | 3,674 |
| Additional noninterest expense | $981,000 | 4,473 |
| Pre-tax net operating income | $519,000 | 7,828 |
| Securities gains (losses) | $89,000 | 1,012 |
| Applicable income taxes | $269,000 | 6,193 |
| Income before extraordinary items | $339,000 | 8,093 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $339,000 | 8,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,500 |
| Cash dividends | $152,000 | 5,949 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $282,040 | 8,507 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,255,000 | 5,779 |
| Total interest expense | $2,849,000 | 4,997 |
| Net interest income | $2,406,000 | 6,469 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $489,000 | 5,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $489,000 | 2,917 |
| Total noninterest expense | $2,076,000 | 5,819 |
| Salaries and employee benefits | $931,000 | 6,394 |
| Premises and equipment expense | $496,000 | 3,788 |
| Additional noninterest expense | $649,000 | 6,209 |
| Pre-tax net operating income | $795,000 | 6,850 |
| Securities gains (losses) | $116,000 | 895 |
| Applicable income taxes | $305,000 | 5,940 |
| Income before extraordinary items | $606,000 | 6,582 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $606,000 | 6,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $142,000 | 6,189 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $528,280 | 7,015 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,210,000 | 6,459 |
| Total interest expense | $1,976,000 | 5,664 |
| Net interest income | $2,234,000 | 7,009 |
| Provision for loan and lease losses | $47,000 | 6,315 |
| Total noninterest income | $539,000 | 5,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $539,000 | 2,812 |
| Total noninterest expense | $1,979,000 | 6,260 |
| Salaries and employee benefits | $896,000 | 6,663 |
| Premises and equipment expense | $449,000 | 4,161 |
| Additional noninterest expense | $634,000 | 6,784 |
| Pre-tax net operating income | $747,000 | 7,143 |
| Securities gains (losses) | $104,000 | 759 |
| Applicable income taxes | $263,000 | 6,354 |
| Income before extraordinary items | $588,000 | 6,632 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $588,000 | 6,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $143,000 | 6,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $516,240 | 7,214 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,090,000 | 6,768 |
| Total interest expense | $1,973,000 | 5,900 |
| Net interest income | $2,117,000 | 7,392 |
| Provision for loan and lease losses | $133,000 | 4,955 |
| Total noninterest income | $419,000 | 6,284 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $419,000 | 3,650 |
| Total noninterest expense | $1,810,000 | 6,858 |
| Salaries and employee benefits | $831,000 | 7,135 |
| Premises and equipment expense | $408,000 | 4,640 |
| Additional noninterest expense | $573,000 | 7,573 |
| Pre-tax net operating income | $591,000 | 8,002 |
| Securities gains (losses) | $507,000 | 888 |
| Applicable income taxes | $389,000 | 5,109 |
| Income before extraordinary items | $709,000 | 6,064 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $709,000 | 6,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 9,413 |
| Cash dividends | $130,000 | 6,378 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $379,450 | 8,387 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,521,000 | 6,875 |
| Total interest expense | $2,512,000 | 5,971 |
| Net interest income | $2,009,000 | 7,732 |
| Provision for loan and lease losses | $176,000 | 5,636 |
| Total noninterest income | $403,000 | 6,517 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $403,000 | 3,690 |
| Total noninterest expense | $1,533,000 | 7,791 |
| Salaries and employee benefits | $688,000 | 8,084 |
| Premises and equipment expense | $401,000 | 4,782 |
| Additional noninterest expense | $444,000 | 9,041 |
| Pre-tax net operating income | $703,000 | 7,077 |
| Securities gains (losses) | $404,000 | 1,271 |
| Applicable income taxes | $428,000 | 4,544 |
| Income before extraordinary items | $680,000 | 6,038 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $680,000 | 6,111 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $89,000 | 6,873 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $421,440 | 7,649 |
* 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.