Home > Waccamaw Bank > Income and Expense
Waccamaw Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $4,578,000 | 1,508 |
| Total interest expense | $1,618,000 | 761 |
| Net interest income | $2,960,000 | 1,875 |
| Provision for loan and lease losses | $2,694,000 | 276 |
| Total noninterest income | $1,103,000 | 1,235 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $522,000 | 681 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $581,000 | 1,363 |
| Total noninterest expense | $4,899,000 | 1,015 |
| Salaries and employee benefits | $1,497,000 | 1,681 |
| Premises and equipment expense | $506,000 | 1,183 |
| Additional noninterest expense | $2,896,000 | 602 |
| Pre-tax net operating income | $-3,530,000 | 7,272 |
| Securities gains (losses) | $105,000 | 888 |
| Applicable income taxes | $34,000 | 3,353 |
| Income before extraordinary items | $-3,459,000 | 7,271 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,459,000 | 7,271 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-3,459,000 | 7,271 |
| Net charge-offs | $2,784,000 | 302 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-3,564,000 | 7,271 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $21,046,000 | 1,364 |
| Total interest expense | $7,613,000 | 772 |
| Net interest income | $13,433,000 | 1,660 |
| Provision for loan and lease losses | $14,169,000 | 309 |
| Total noninterest income | $5,077,000 | 1,030 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,784,000 | 540 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,293,000 | 1,239 |
| Total noninterest expense | $27,063,000 | 726 |
| Salaries and employee benefits | $6,445,000 | 1,530 |
| Premises and equipment expense | $1,930,000 | 1,296 |
| Additional noninterest expense | $18,688,000 | 421 |
| Pre-tax net operating income | $-22,722,000 | 7,304 |
| Securities gains (losses) | $1,095,000 | 406 |
| Applicable income taxes | $-564,000 | 7,082 |
| Income before extraordinary items | $-21,063,000 | 7,301 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-21,063,000 | 7,301 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-21,063,000 | 7,301 |
| Net charge-offs | $15,909,000 | 303 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-22,125,150 | 7,298 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $16,143,000 | 1,341 |
| Total interest expense | $5,787,000 | 803 |
| Net interest income | $10,356,000 | 1,620 |
| Provision for loan and lease losses | $12,738,000 | 265 |
| Total noninterest income | $3,894,000 | 1,015 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $2,153,000 | 528 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,741,000 | 1,228 |
| Total noninterest expense | $16,413,000 | 902 |
| Salaries and employee benefits | $4,900,000 | 1,519 |
| Premises and equipment expense | $1,517,000 | 1,256 |
| Additional noninterest expense | $9,996,000 | 540 |
| Pre-tax net operating income | $-14,901,000 | 7,377 |
| Securities gains (losses) | $1,037,000 | 345 |
| Applicable income taxes | $-954,000 | 7,292 |
| Income before extraordinary items | $-12,910,000 | 7,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-12,910,000 | 7,366 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-12,910,000 | 7,366 |
| Net charge-offs | $12,889,000 | 289 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-13,874,410 | 7,369 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $10,828,000 | 1,341 |
| Total interest expense | $3,854,000 | 842 |
| Net interest income | $6,974,000 | 1,613 |
| Provision for loan and lease losses | $3,584,000 | 593 |
| Total noninterest income | $2,530,000 | 1,035 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,419,000 | 526 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,111,000 | 1,260 |
| Total noninterest expense | $8,228,000 | 1,214 |
| Salaries and employee benefits | $3,345,000 | 1,498 |
| Premises and equipment expense | $1,021,000 | 1,254 |
| Additional noninterest expense | $3,862,000 | 937 |
| Pre-tax net operating income | $-2,308,000 | 7,212 |
| Securities gains (losses) | $223,000 | 679 |
| Applicable income taxes | $-567,000 | 7,359 |
| Income before extraordinary items | $-1,518,000 | 7,145 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,518,000 | 7,146 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,518,000 | 7,146 |
| Net charge-offs | $3,611,000 | 596 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,680,790 | 7,157 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $5,441,000 | 1,349 |
| Total interest expense | $1,928,000 | 878 |
| Net interest income | $3,513,000 | 1,592 |
| Provision for loan and lease losses | $925,000 | 912 |
| Total noninterest income | $1,279,000 | 1,033 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $679,000 | 539 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $600,000 | 1,181 |
| Total noninterest expense | $3,846,000 | 1,300 |
| Salaries and employee benefits | $1,720,000 | 1,465 |
| Premises and equipment expense | $522,000 | 1,257 |
| Additional noninterest expense | $1,604,000 | 1,111 |
| Pre-tax net operating income | $21,000 | 6,090 |
| Securities gains (losses) | $20,000 | 1,097 |
| Applicable income taxes | $-278,000 | 7,415 |
| Income before extraordinary items | $319,000 | 3,089 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $319,000 | 3,087 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $319,000 | 3,089 |
| Net charge-offs | $3,074,000 | 394 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $299,000 | 3,185 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $20,681,000 | 1,494 |
| Total interest expense | $9,272,000 | 894 |
| Net interest income | $11,409,000 | 1,915 |
| Provision for loan and lease losses | $12,206,000 | 568 |
| Total noninterest income | $5,110,000 | 1,081 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,778,000 | 543 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,332,000 | 1,269 |
| Total noninterest expense | $16,872,000 | 1,199 |
| Salaries and employee benefits | $6,207,000 | 1,573 |
| Premises and equipment expense | $2,058,000 | 1,257 |
| Additional noninterest expense | $8,607,000 | 860 |
| Pre-tax net operating income | $-12,559,000 | 7,412 |
| Securities gains (losses) | $1,593,000 | 328 |
| Applicable income taxes | $3,858,000 | 443 |
| Income before extraordinary items | $-14,824,000 | 7,469 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-14,824,000 | 7,469 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-14,824,000 | 7,469 |
| Net charge-offs | $6,814,000 | 804 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $12,297,000 | 70 |
| Net operating income | $-16,417,000 | 7,481 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $16,145,000 | 1,453 |
| Total interest expense | $7,189,000 | 900 |
| Net interest income | $8,956,000 | 1,869 |
| Provision for loan and lease losses | $3,026,000 | 1,260 |
| Total noninterest income | $3,848,000 | 1,034 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $2,102,000 | 547 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,746,000 | 1,217 |
| Total noninterest expense | $12,154,000 | 1,228 |
| Salaries and employee benefits | $4,653,000 | 1,584 |
| Premises and equipment expense | $1,543,000 | 1,284 |
| Additional noninterest expense | $5,958,000 | 892 |
| Pre-tax net operating income | $-2,376,000 | 7,118 |
| Securities gains (losses) | $1,481,000 | 293 |
| Applicable income taxes | $-633,000 | 7,412 |
| Income before extraordinary items | $-262,000 | 6,499 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-262,000 | 6,500 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-262,000 | 6,499 |
| Net charge-offs | $3,762,000 | 955 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $2,394,000 | 185 |
| Net operating income | $-1,209,840 | 6,923 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $10,711,000 | 1,487 |
| Total interest expense | $4,842,000 | 920 |
| Net interest income | $5,869,000 | 1,902 |
| Provision for loan and lease losses | $1,811,000 | 1,353 |
| Total noninterest income | $2,518,000 | 1,037 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,385,000 | 556 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,133,000 | 1,189 |
| Total noninterest expense | $6,962,000 | 1,422 |
| Salaries and employee benefits | $3,125,000 | 1,587 |
| Premises and equipment expense | $992,000 | 1,335 |
| Additional noninterest expense | $2,845,000 | 1,251 |
| Pre-tax net operating income | $-386,000 | 6,655 |
| Securities gains (losses) | $648,000 | 375 |
| Applicable income taxes | $-108,000 | 7,210 |
| Income before extraordinary items | $370,000 | 3,922 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $370,000 | 3,920 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $370,000 | 3,921 |
| Net charge-offs | $1,058,000 | 1,665 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-278,000 | 6,617 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,599,000 | 1,446 |
| Total interest expense | $2,406,000 | 979 |
| Net interest income | $3,193,000 | 1,775 |
| Provision for loan and lease losses | $1,016,000 | 1,157 |
| Total noninterest income | $1,278,000 | 994 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $666,000 | 574 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $612,000 | 1,110 |
| Total noninterest expense | $3,384,000 | 1,486 |
| Salaries and employee benefits | $1,551,000 | 1,617 |
| Premises and equipment expense | $494,000 | 1,377 |
| Additional noninterest expense | $1,339,000 | 1,323 |
| Pre-tax net operating income | $71,000 | 5,402 |
| Securities gains (losses) | $386,000 | 310 |
| Applicable income taxes | $64,000 | 2,567 |
| Income before extraordinary items | $393,000 | 2,584 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $393,000 | 2,580 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $393,000 | 2,584 |
| Net charge-offs | $723,000 | 1,291 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $61,040 | 5,431 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,889,000 | 1,326 |
| Total interest expense | $11,963,000 | 994 |
| Net interest income | $13,926,000 | 1,608 |
| Provision for loan and lease losses | $16,580,000 | 565 |
| Total noninterest income | $5,173,000 | 1,064 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,023,000 | 551 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,150,000 | 1,306 |
| Total noninterest expense | $21,100,000 | 993 |
| Salaries and employee benefits | $7,007,000 | 1,443 |
| Premises and equipment expense | $2,095,000 | 1,297 |
| Additional noninterest expense | $11,998,000 | 675 |
| Pre-tax net operating income | $-18,581,000 | 7,689 |
| Securities gains (losses) | $1,427,000 | 365 |
| Applicable income taxes | $-3,438,000 | 7,660 |
| Income before extraordinary items | $-13,716,000 | 7,651 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-13,716,000 | 7,649 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-13,716,000 | 7,650 |
| Net charge-offs | $13,619,000 | 534 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-14,857,600 | 7,674 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,724,000 | 1,329 |
| Total interest expense | $9,458,000 | 988 |
| Net interest income | $10,266,000 | 1,645 |
| Provision for loan and lease losses | $4,857,000 | 1,068 |
| Total noninterest income | $3,850,000 | 1,083 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,264,000 | 551 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,586,000 | 1,340 |
| Total noninterest expense | $13,340,000 | 1,149 |
| Salaries and employee benefits | $5,348,000 | 1,432 |
| Premises and equipment expense | $1,566,000 | 1,311 |
| Additional noninterest expense | $6,426,000 | 879 |
| Pre-tax net operating income | $-4,081,000 | 7,418 |
| Securities gains (losses) | $1,354,000 | 289 |
| Applicable income taxes | $-1,402,000 | 7,643 |
| Income before extraordinary items | $-1,325,000 | 6,917 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,325,000 | 6,919 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,325,000 | 6,919 |
| Net charge-offs | $2,482,000 | 1,329 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,191,560 | 7,212 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,773,000 | 1,397 |
| Total interest expense | $6,534,000 | 1,017 |
| Net interest income | $6,239,000 | 1,796 |
| Provision for loan and lease losses | $3,627,000 | 953 |
| Total noninterest income | $2,532,000 | 1,094 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,378,000 | 605 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,154,000 | 1,295 |
| Total noninterest expense | $9,532,000 | 1,110 |
| Salaries and employee benefits | $3,644,000 | 1,427 |
| Premises and equipment expense | $1,047,000 | 1,331 |
| Additional noninterest expense | $4,841,000 | 803 |
| Pre-tax net operating income | $-4,388,000 | 7,699 |
| Securities gains (losses) | $871,000 | 325 |
| Applicable income taxes | $-1,534,000 | 7,847 |
| Income before extraordinary items | $-1,983,000 | 7,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,983,000 | 7,481 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,983,000 | 7,480 |
| Net charge-offs | $330,000 | 2,818 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-2,540,440 | 7,591 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,577,000 | 1,376 |
| Total interest expense | $3,335,000 | 1,035 |
| Net interest income | $3,242,000 | 1,709 |
| Provision for loan and lease losses | $988,000 | 1,202 |
| Total noninterest income | $1,107,000 | 1,177 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $501,000 | 811 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $606,000 | 1,228 |
| Total noninterest expense | $3,775,000 | 1,322 |
| Salaries and employee benefits | $1,890,000 | 1,377 |
| Premises and equipment expense | $531,000 | 1,341 |
| Additional noninterest expense | $1,354,000 | 1,215 |
| Pre-tax net operating income | $-414,000 | 7,218 |
| Securities gains (losses) | $233,000 | 600 |
| Applicable income taxes | $-195,000 | 7,703 |
| Income before extraordinary items | $14,000 | 6,237 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $14,000 | 6,239 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $14,000 | 6,239 |
| Net charge-offs | $94,000 | 2,929 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-135,120 | 6,819 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,474,000 | 1,264 |
| Total interest expense | $16,259,000 | 987 |
| Net interest income | $14,215,000 | 1,576 |
| Provision for loan and lease losses | $2,990,000 | 1,394 |
| Total noninterest income | $4,159,000 | 1,238 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,115,000 | 831 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,044,000 | 1,281 |
| Total noninterest expense | $18,538,000 | 1,063 |
| Salaries and employee benefits | $8,069,000 | 1,247 |
| Premises and equipment expense | $2,012,000 | 1,366 |
| Additional noninterest expense | $8,457,000 | 782 |
| Pre-tax net operating income | $-3,154,000 | 7,617 |
| Securities gains (losses) | $42,000 | 1,720 |
| Applicable income taxes | $-1,643,000 | 7,869 |
| Income before extraordinary items | $-1,469,000 | 7,201 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,469,000 | 7,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,188,000 | 1,777 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,495,880 | 7,318 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,294,000 | 1,256 |
| Total interest expense | $12,385,000 | 1,007 |
| Net interest income | $10,909,000 | 1,550 |
| Provision for loan and lease losses | $634,000 | 2,394 |
| Total noninterest income | $3,121,000 | 1,270 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,584,000 | 834 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,537,000 | 1,348 |
| Total noninterest expense | $13,224,000 | 1,106 |
| Salaries and employee benefits | $6,085,000 | 1,256 |
| Premises and equipment expense | $1,449,000 | 1,440 |
| Additional noninterest expense | $5,690,000 | 821 |
| Pre-tax net operating income | $172,000 | 6,145 |
| Securities gains (losses) | $40,000 | 1,574 |
| Applicable income taxes | $-249,000 | 7,705 |
| Income before extraordinary items | $461,000 | 4,583 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $461,000 | 4,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $419,000 | 2,165 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $3,881,000 | 171 |
| Net operating income | $421,000 | 4,880 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,825,000 | 1,255 |
| Total interest expense | $8,609,000 | 1,007 |
| Net interest income | $7,216,000 | 1,553 |
| Provision for loan and lease losses | $106,000 | 4,178 |
| Total noninterest income | $2,042,000 | 1,309 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,015,000 | 852 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,027,000 | 1,368 |
| Total noninterest expense | $7,538,000 | 1,275 |
| Salaries and employee benefits | $4,065,000 | 1,275 |
| Premises and equipment expense | $936,000 | 1,484 |
| Additional noninterest expense | $2,537,000 | 1,173 |
| Pre-tax net operating income | $1,614,000 | 2,047 |
| Securities gains (losses) | $40,000 | 1,598 |
| Applicable income taxes | $420,000 | 1,816 |
| Income before extraordinary items | $1,234,000 | 2,139 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,234,000 | 2,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,007 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,204,000 | 2,142 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,134,000 | 1,249 |
| Total interest expense | $4,531,000 | 1,026 |
| Net interest income | $3,603,000 | 1,547 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $1,028,000 | 1,310 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $496,000 | 870 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $532,000 | 1,347 |
| Total noninterest expense | $3,814,000 | 1,269 |
| Salaries and employee benefits | $2,091,000 | 1,249 |
| Premises and equipment expense | $484,000 | 1,436 |
| Additional noninterest expense | $1,239,000 | 1,163 |
| Pre-tax net operating income | $817,000 | 2,116 |
| Securities gains (losses) | $40,000 | 1,206 |
| Applicable income taxes | $223,000 | 1,828 |
| Income before extraordinary items | $634,000 | 2,205 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $634,000 | 2,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 1,517 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $604,400 | 2,231 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $31,619,000 | 1,354 |
| Total interest expense | $15,605,000 | 1,281 |
| Net interest income | $16,014,000 | 1,403 |
| Provision for loan and lease losses | $386,000 | 2,753 |
| Total noninterest income | $3,156,000 | 1,584 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,325,000 | 1,352 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,831,000 | 1,446 |
| Total noninterest expense | $12,268,000 | 1,506 |
| Salaries and employee benefits | $6,758,000 | 1,488 |
| Premises and equipment expense | $1,513,000 | 1,735 |
| Additional noninterest expense | $3,997,000 | 1,385 |
| Pre-tax net operating income | $6,516,000 | 1,297 |
| Securities gains (losses) | $115,000 | 575 |
| Applicable income taxes | $2,193,000 | 1,048 |
| Income before extraordinary items | $4,438,000 | 1,449 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,438,000 | 1,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-114,000 | 8,401 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,360,950 | 1,454 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $23,456,000 | 1,373 |
| Total interest expense | $11,282,000 | 1,329 |
| Net interest income | $12,174,000 | 1,384 |
| Provision for loan and lease losses | $386,000 | 1,913 |
| Total noninterest income | $2,278,000 | 1,632 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $895,000 | 1,473 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,383,000 | 1,456 |
| Total noninterest expense | $8,828,000 | 1,545 |
| Salaries and employee benefits | $4,910,000 | 1,541 |
| Premises and equipment expense | $1,077,000 | 1,821 |
| Additional noninterest expense | $2,841,000 | 1,420 |
| Pre-tax net operating income | $5,238,000 | 1,306 |
| Securities gains (losses) | $125,000 | 448 |
| Applicable income taxes | $1,824,000 | 1,034 |
| Income before extraordinary items | $3,539,000 | 1,441 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,539,000 | 1,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-232,000 | 8,474 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,456,500 | 1,464 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $15,342,000 | 1,417 |
| Total interest expense | $7,252,000 | 1,386 |
| Net interest income | $8,090,000 | 1,416 |
| Provision for loan and lease losses | $377,000 | 1,290 |
| Total noninterest income | $1,504,000 | 1,669 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $591,000 | 1,490 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $913,000 | 1,484 |
| Total noninterest expense | $5,810,000 | 1,589 |
| Salaries and employee benefits | $3,202,000 | 1,606 |
| Premises and equipment expense | $682,000 | 1,917 |
| Additional noninterest expense | $1,926,000 | 1,406 |
| Pre-tax net operating income | $3,407,000 | 1,378 |
| Securities gains (losses) | $75,000 | 465 |
| Applicable income taxes | $1,196,000 | 1,113 |
| Income before extraordinary items | $2,286,000 | 1,533 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,286,000 | 1,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-247,000 | 8,543 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,236,500 | 1,549 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,440,000 | 1,449 |
| Total interest expense | $3,504,000 | 1,418 |
| Net interest income | $3,936,000 | 1,459 |
| Provision for loan and lease losses | $375,000 | 658 |
| Total noninterest income | $789,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $282,000 | 1,520 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $507,000 | 1,349 |
| Total noninterest expense | $2,769,000 | 1,675 |
| Salaries and employee benefits | $1,593,000 | 1,633 |
| Premises and equipment expense | $328,000 | 1,990 |
| Additional noninterest expense | $848,000 | 1,575 |
| Pre-tax net operating income | $1,581,000 | 1,471 |
| Securities gains (losses) | $75,000 | 354 |
| Applicable income taxes | $581,000 | 1,147 |
| Income before extraordinary items | $1,075,000 | 1,605 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,075,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,026,250 | 1,667 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,357,000 | 1,593 |
| Total interest expense | $10,564,000 | 1,599 |
| Net interest income | $14,793,000 | 1,546 |
| Provision for loan and lease losses | $1,450,000 | 734 |
| Total noninterest income | $2,499,000 | 1,885 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,100,000 | 1,609 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,399,000 | 1,749 |
| Total noninterest expense | $9,255,000 | 1,916 |
| Salaries and employee benefits | $5,186,000 | 1,875 |
| Premises and equipment expense | $1,105,000 | 2,247 |
| Additional noninterest expense | $2,964,000 | 1,778 |
| Pre-tax net operating income | $6,587,000 | 1,472 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $2,339,000 | 1,181 |
| Income before extraordinary items | $4,247,000 | 1,697 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,247,000 | 1,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $548,000 | 1,096 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,530,000 | 326 |
| Net operating income | $4,247,640 | 1,685 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,327,000 | 1,626 |
| Total interest expense | $7,491,000 | 1,638 |
| Net interest income | $10,836,000 | 1,605 |
| Provision for loan and lease losses | $1,090,000 | 702 |
| Total noninterest income | $1,904,000 | 1,876 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $822,000 | 1,621 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,082,000 | 1,728 |
| Total noninterest expense | $6,751,000 | 1,956 |
| Salaries and employee benefits | $3,786,000 | 1,922 |
| Premises and equipment expense | $797,000 | 2,336 |
| Additional noninterest expense | $2,168,000 | 1,788 |
| Pre-tax net operating income | $4,899,000 | 1,532 |
| Securities gains (losses) | $-1,000 | 7,100 |
| Applicable income taxes | $1,739,000 | 1,232 |
| Income before extraordinary items | $3,159,000 | 1,756 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,159,000 | 1,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 3,378 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $3,582,000 | 265 |
| Net operating income | $3,159,640 | 1,742 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,613,000 | 1,680 |
| Total interest expense | $4,720,000 | 1,647 |
| Net interest income | $6,893,000 | 1,675 |
| Provision for loan and lease losses | $620,000 | 791 |
| Total noninterest income | $1,237,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $553,000 | 1,595 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $684,000 | 1,796 |
| Total noninterest expense | $4,270,000 | 2,059 |
| Salaries and employee benefits | $2,393,000 | 2,044 |
| Premises and equipment expense | $506,000 | 2,437 |
| Additional noninterest expense | $1,371,000 | 1,904 |
| Pre-tax net operating income | $3,240,000 | 1,551 |
| Securities gains (losses) | $-1,000 | 7,450 |
| Applicable income taxes | $1,157,000 | 1,237 |
| Income before extraordinary items | $2,082,000 | 1,747 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,082,000 | 1,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,082,640 | 1,737 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,507,000 | 1,731 |
| Total interest expense | $2,259,000 | 1,626 |
| Net interest income | $3,248,000 | 1,778 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $641,000 | 1,817 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $270,000 | 1,570 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $371,000 | 1,654 |
| Total noninterest expense | $2,093,000 | 2,111 |
| Salaries and employee benefits | $1,211,000 | 2,031 |
| Premises and equipment expense | $238,000 | 2,577 |
| Additional noninterest expense | $644,000 | 2,024 |
| Pre-tax net operating income | $1,691,000 | 1,461 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $616,000 | 1,168 |
| Income before extraordinary items | $1,075,000 | 1,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,075,000 | 1,667 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,075,000 | 1,650 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,056,000 | 1,863 |
| Total interest expense | $7,022,000 | 1,625 |
| Net interest income | $11,034,000 | 2,008 |
| Provision for loan and lease losses | $1,370,000 | 781 |
| Total noninterest income | $2,210,000 | 2,059 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,095,000 | 1,593 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,115,000 | 2,061 |
| Total noninterest expense | $6,874,000 | 2,423 |
| Salaries and employee benefits | $3,734,000 | 2,447 |
| Premises and equipment expense | $805,000 | 2,881 |
| Additional noninterest expense | $2,335,000 | 2,138 |
| Pre-tax net operating income | $5,000,000 | 1,870 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $1,823,000 | 1,467 |
| Income before extraordinary items | $3,176,000 | 2,138 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,176,000 | 2,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $222,000 | 2,145 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 329 |
| Net operating income | $3,176,640 | 2,116 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,831,000 | 1,908 |
| Total interest expense | $4,893,000 | 1,652 |
| Net interest income | $7,938,000 | 2,080 |
| Provision for loan and lease losses | $1,180,000 | 651 |
| Total noninterest income | $1,677,000 | 2,029 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $819,000 | 1,586 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $858,000 | 2,025 |
| Total noninterest expense | $4,974,000 | 2,486 |
| Salaries and employee benefits | $2,694,000 | 2,506 |
| Premises and equipment expense | $598,000 | 2,889 |
| Additional noninterest expense | $1,682,000 | 2,198 |
| Pre-tax net operating income | $3,461,000 | 2,000 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $1,261,000 | 1,587 |
| Income before extraordinary items | $2,199,000 | 2,314 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,199,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 1,961 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 241 |
| Net operating income | $2,199,640 | 2,275 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,912,000 | 1,999 |
| Total interest expense | $3,018,000 | 1,676 |
| Net interest income | $4,894,000 | 2,214 |
| Provision for loan and lease losses | $480,000 | 1,006 |
| Total noninterest income | $1,091,000 | 2,059 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $533,000 | 1,580 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $558,000 | 2,035 |
| Total noninterest expense | $3,215,000 | 2,531 |
| Salaries and employee benefits | $1,772,000 | 2,521 |
| Premises and equipment expense | $393,000 | 2,890 |
| Additional noninterest expense | $1,050,000 | 2,322 |
| Pre-tax net operating income | $2,290,000 | 1,968 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $838,000 | 1,560 |
| Income before extraordinary items | $1,452,000 | 2,287 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,452,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 1,653 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 155 |
| Net operating income | $1,452,000 | 2,258 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,679,000 | 2,103 |
| Total interest expense | $1,361,000 | 1,749 |
| Net interest income | $2,318,000 | 2,320 |
| Provision for loan and lease losses | $225,000 | 1,003 |
| Total noninterest income | $529,000 | 2,060 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $259,000 | 1,570 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $270,000 | 2,029 |
| Total noninterest expense | $1,546,000 | 2,629 |
| Salaries and employee benefits | $848,000 | 2,634 |
| Premises and equipment expense | $192,000 | 2,982 |
| Additional noninterest expense | $506,000 | 2,413 |
| Pre-tax net operating income | $1,076,000 | 2,050 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $391,000 | 1,635 |
| Income before extraordinary items | $685,000 | 2,367 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $685,000 | 2,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 1,097 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $685,000 | 2,331 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,179,000 | 2,553 |
| Total interest expense | $3,413,000 | 2,362 |
| Net interest income | $7,766,000 | 2,596 |
| Provision for loan and lease losses | $820,000 | 1,258 |
| Total noninterest income | $1,999,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $992,000 | 1,766 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,007,000 | 2,136 |
| Total noninterest expense | $5,596,000 | 2,821 |
| Salaries and employee benefits | $3,004,000 | 2,839 |
| Premises and equipment expense | $692,000 | 3,154 |
| Additional noninterest expense | $1,900,000 | 2,536 |
| Pre-tax net operating income | $3,349,000 | 2,354 |
| Securities gains (losses) | $14,000 | 2,631 |
| Applicable income taxes | $1,168,000 | 1,941 |
| Income before extraordinary items | $2,195,000 | 2,702 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,195,000 | 2,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 2,268 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,185,900 | 2,662 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,943,000 | 2,654 |
| Total interest expense | $2,377,000 | 2,466 |
| Net interest income | $5,566,000 | 2,694 |
| Provision for loan and lease losses | $412,000 | 1,725 |
| Total noninterest income | $1,501,000 | 2,208 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $729,000 | 1,815 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $772,000 | 2,125 |
| Total noninterest expense | $4,078,000 | 2,867 |
| Salaries and employee benefits | $2,210,000 | 2,858 |
| Premises and equipment expense | $501,000 | 3,251 |
| Additional noninterest expense | $1,367,000 | 2,597 |
| Pre-tax net operating income | $2,577,000 | 2,322 |
| Securities gains (losses) | $13,000 | 2,563 |
| Applicable income taxes | $896,000 | 1,946 |
| Income before extraordinary items | $1,694,000 | 2,681 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,694,000 | 2,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,932 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,685,550 | 2,631 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,070,000 | 2,752 |
| Total interest expense | $1,470,000 | 2,621 |
| Net interest income | $3,600,000 | 2,771 |
| Provision for loan and lease losses | $211,000 | 2,087 |
| Total noninterest income | $977,000 | 2,235 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $466,000 | 1,873 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $511,000 | 2,159 |
| Total noninterest expense | $2,597,000 | 2,979 |
| Salaries and employee benefits | $1,429,000 | 2,962 |
| Premises and equipment expense | $314,000 | 3,420 |
| Additional noninterest expense | $854,000 | 2,759 |
| Pre-tax net operating income | $1,769,000 | 2,264 |
| Securities gains (losses) | $15,000 | 2,191 |
| Applicable income taxes | $618,000 | 1,886 |
| Income before extraordinary items | $1,166,000 | 2,587 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,166,000 | 2,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,446 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,156,250 | 2,536 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,453,000 | 2,848 |
| Total interest expense | $703,000 | 2,740 |
| Net interest income | $1,750,000 | 2,848 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $545,000 | 2,031 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $222,000 | 1,899 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $323,000 | 1,788 |
| Total noninterest expense | $1,266,000 | 3,066 |
| Salaries and employee benefits | $700,000 | 3,033 |
| Premises and equipment expense | $156,000 | 3,477 |
| Additional noninterest expense | $410,000 | 2,845 |
| Pre-tax net operating income | $879,000 | 2,252 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $302,000 | 1,922 |
| Income before extraordinary items | $577,000 | 2,596 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $577,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $577,000 | 2,507 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,956,000 | 2,833 |
| Total interest expense | $3,613,000 | 2,439 |
| Net interest income | $6,343,000 | 3,027 |
| Provision for loan and lease losses | $730,000 | 1,573 |
| Total noninterest income | $1,754,000 | 2,545 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $990,000 | 1,731 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $764,000 | 2,816 |
| Total noninterest expense | $4,351,000 | 3,450 |
| Salaries and employee benefits | $2,274,000 | 3,535 |
| Premises and equipment expense | $640,000 | 3,343 |
| Additional noninterest expense | $1,437,000 | 3,207 |
| Pre-tax net operating income | $3,016,000 | 2,499 |
| Securities gains (losses) | $51,000 | 2,493 |
| Applicable income taxes | $1,144,000 | 1,996 |
| Income before extraordinary items | $1,923,000 | 2,953 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,923,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 1,976 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 229 |
| Net operating income | $1,890,360 | 2,871 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,414,000 | 2,895 |
| Total interest expense | $2,732,000 | 2,508 |
| Net interest income | $4,682,000 | 3,086 |
| Provision for loan and lease losses | $580,000 | 1,461 |
| Total noninterest income | $1,328,000 | 2,576 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $741,000 | 1,747 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $587,000 | 2,862 |
| Total noninterest expense | $3,248,000 | 3,458 |
| Salaries and employee benefits | $1,669,000 | 3,576 |
| Premises and equipment expense | $480,000 | 3,326 |
| Additional noninterest expense | $1,099,000 | 3,130 |
| Pre-tax net operating income | $2,182,000 | 2,668 |
| Securities gains (losses) | $65,000 | 2,100 |
| Applicable income taxes | $840,000 | 2,134 |
| Income before extraordinary items | $1,407,000 | 3,114 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,407,000 | 3,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $333,000 | 1,598 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,365,400 | 3,029 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,958,000 | 2,918 |
| Total interest expense | $1,803,000 | 2,591 |
| Net interest income | $3,155,000 | 3,033 |
| Provision for loan and lease losses | $505,000 | 1,133 |
| Total noninterest income | $925,000 | 2,479 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $500,000 | 1,691 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $425,000 | 2,692 |
| Total noninterest expense | $2,117,000 | 3,514 |
| Salaries and employee benefits | $1,098,000 | 3,608 |
| Premises and equipment expense | $332,000 | 3,224 |
| Additional noninterest expense | $687,000 | 3,279 |
| Pre-tax net operating income | $1,458,000 | 2,659 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $552,000 | 2,174 |
| Income before extraordinary items | $921,000 | 3,159 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $921,000 | 3,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,405 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $911,400 | 3,010 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 2,984 |
| Total interest expense | $872,000 | 2,715 |
| Net interest income | $1,560,000 | 3,057 |
| Provision for loan and lease losses | $280,000 | 1,012 |
| Total noninterest income | $465,000 | 2,423 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $245,000 | 1,672 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $220,000 | 2,555 |
| Total noninterest expense | $1,057,000 | 3,503 |
| Salaries and employee benefits | $540,000 | 3,657 |
| Premises and equipment expense | $171,000 | 3,140 |
| Additional noninterest expense | $346,000 | 3,225 |
| Pre-tax net operating income | $688,000 | 2,771 |
| Securities gains (losses) | $16,000 | 2,005 |
| Applicable income taxes | $263,000 | 2,251 |
| Income before extraordinary items | $441,000 | 3,227 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $441,000 | 3,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 1,520 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $430,760 | 3,124 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,594,000 | 3,129 |
| Total interest expense | $3,978,000 | 2,765 |
| Net interest income | $5,616,000 | 3,320 |
| Provision for loan and lease losses | $794,000 | 1,643 |
| Total noninterest income | $1,361,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $801,000 | 1,990 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $560,000 | 3,080 |
| Total noninterest expense | $3,872,000 | 3,648 |
| Salaries and employee benefits | $2,088,000 | 3,606 |
| Premises and equipment expense | $593,000 | 3,445 |
| Additional noninterest expense | $1,191,000 | 3,625 |
| Pre-tax net operating income | $2,311,000 | 3,065 |
| Securities gains (losses) | $133,000 | 1,485 |
| Applicable income taxes | $823,000 | 2,544 |
| Income before extraordinary items | $1,621,000 | 3,292 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,621,000 | 3,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $362,000 | 2,083 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,533,220 | 3,329 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,789,000 | 3,707 |
| Total interest expense | $4,518,000 | 3,438 |
| Net interest income | $4,271,000 | 3,924 |
| Provision for loan and lease losses | $612,000 | 1,867 |
| Total noninterest income | $1,076,000 | 3,169 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $649,000 | 2,292 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $427,000 | 3,406 |
| Total noninterest expense | $3,841,000 | 3,557 |
| Salaries and employee benefits | $1,828,000 | 3,869 |
| Premises and equipment expense | $530,000 | 3,703 |
| Additional noninterest expense | $1,483,000 | 2,904 |
| Pre-tax net operating income | $894,000 | 5,212 |
| Securities gains (losses) | $129,000 | 1,533 |
| Applicable income taxes | $14,000 | 7,470 |
| Income before extraordinary items | $1,009,000 | 4,268 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,009,000 | 4,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 3,193 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $203,000 | 579 |
| Net operating income | $881,290 | 4,519 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,443,000 | 4,855 |
| Total interest expense | $3,260,000 | 4,633 |
| Net interest income | $3,183,000 | 4,941 |
| Provision for loan and lease losses | $347,000 | 2,590 |
| Total noninterest income | $730,000 | 3,889 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $473,000 | 2,829 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $257,000 | 4,239 |
| Total noninterest expense | $2,913,000 | 4,328 |
| Salaries and employee benefits | $1,348,000 | 4,760 |
| Premises and equipment expense | $378,000 | 4,682 |
| Additional noninterest expense | $1,187,000 | 3,464 |
| Pre-tax net operating income | $653,000 | 6,396 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $653,000 | 5,602 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $653,000 | 5,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 3,854 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $3,863,000 | 266 |
| Net operating income | $653,000 | 5,613 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,672,000 | 6,648 |
| Total interest expense | $1,685,000 | 6,569 |
| Net interest income | $1,987,000 | 6,672 |
| Provision for loan and lease losses | $240,000 | 3,119 |
| Total noninterest income | $393,000 | 5,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,258 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 6,180 |
| Total noninterest expense | $1,749,000 | 6,177 |
| Salaries and employee benefits | $845,000 | 6,549 |
| Premises and equipment expense | $282,000 | 5,655 |
| Additional noninterest expense | $622,000 | 5,690 |
| Pre-tax net operating income | $391,000 | 7,641 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $391,000 | 7,037 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $391,000 | 7,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,024 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $391,000 | 7,007 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,430,000 | 8,173 |
| Total interest expense | $1,242,000 | 7,804 |
| Net interest income | $1,188,000 | 8,350 |
| Provision for loan and lease losses | $257,000 | 2,944 |
| Total noninterest income | $205,000 | 7,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 5,934 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,990 |
| Total noninterest expense | $2,124,000 | 5,355 |
| Salaries and employee benefits | $1,135,000 | 5,279 |
| Premises and equipment expense | $268,000 | 5,724 |
| Additional noninterest expense | $721,000 | 5,051 |
| Pre-tax net operating income | $-988,000 | 10,340 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-988,000 | 10,359 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-988,000 | 10,358 |
| 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 | $112,000 | 754 |
| Net operating income | $-988,000 | 10,339 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $356,000 | 10,771 |
| Total interest expense | $109,000 | 10,770 |
| Net interest income | $247,000 | 10,737 |
| Provision for loan and lease losses | $95,000 | 5,292 |
| Total noninterest income | $11,000 | 10,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 9,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-1,000 | 10,932 |
| Total noninterest expense | $1,109,000 | 7,977 |
| Salaries and employee benefits | $443,000 | 8,993 |
| Premises and equipment expense | $204,000 | 6,772 |
| Additional noninterest expense | $462,000 | 6,830 |
| Pre-tax net operating income | $-946,000 | 10,839 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-946,000 | 10,849 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-946,000 | 10,848 |
| 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 | $8,384,000 | 110 |
| Net operating income | $-946,000 | 10,836 |
* 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.