Home > Western Reserve Bank > Income and Expense
Western Reserve Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 3,215 |
| Total interest expense | $948,000 | 3,195 |
| Net interest income | $4,935,000 | 3,190 |
| Provision for loan and lease losses | $280,000 | 3,060 |
| Total noninterest income | $495,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $137,000 | 4,501 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $358,000 | 3,430 |
| Total noninterest expense | $4,159,000 | 3,243 |
| Salaries and employee benefits | $1,988,000 | 3,434 |
| Premises and equipment expense | $628,000 | 2,672 |
| Additional noninterest expense | $1,543,000 | 3,035 |
| Pre-tax net operating income | $991,000 | 3,655 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $261,000 | 2,597 |
| Income before extraordinary items | $730,000 | 4,027 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $730,000 | 4,026 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $730,000 | 4,028 |
| Net charge-offs | $392,000 | 2,483 |
| Cash dividends | $522,000 | 1,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $730,000 | 3,855 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,954,000 | 3,214 |
| Total interest expense | $656,000 | 3,200 |
| Net interest income | $3,298,000 | 3,193 |
| Provision for loan and lease losses | $280,000 | 2,537 |
| Total noninterest income | $316,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $91,000 | 4,495 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $225,000 | 3,502 |
| Total noninterest expense | $2,785,000 | 3,249 |
| Salaries and employee benefits | $1,320,000 | 3,469 |
| Premises and equipment expense | $419,000 | 2,674 |
| Additional noninterest expense | $1,046,000 | 3,004 |
| Pre-tax net operating income | $549,000 | 3,968 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $136,000 | 2,808 |
| Income before extraordinary items | $413,000 | 4,313 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $413,000 | 4,316 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $413,000 | 4,315 |
| Net charge-offs | $451,000 | 1,889 |
| Cash dividends | $128,000 | 2,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $413,000 | 4,127 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,000,000 | 3,214 |
| Total interest expense | $341,000 | 3,208 |
| Net interest income | $1,659,000 | 3,189 |
| Provision for loan and lease losses | $31,000 | 4,076 |
| Total noninterest income | $152,000 | 4,205 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $46,000 | 4,450 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $106,000 | 3,615 |
| Total noninterest expense | $1,384,000 | 3,269 |
| Salaries and employee benefits | $650,000 | 3,535 |
| Premises and equipment expense | $212,000 | 2,673 |
| Additional noninterest expense | $522,000 | 2,990 |
| Pre-tax net operating income | $396,000 | 3,320 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $110,000 | 2,354 |
| Income before extraordinary items | $286,000 | 3,729 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $286,000 | 3,731 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $286,000 | 3,732 |
| Net charge-offs | $-14,000 | 6,765 |
| Cash dividends | $64,000 | 2,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $286,000 | 3,561 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,504,000 | 3,162 |
| Total interest expense | $1,669,000 | 3,164 |
| Net interest income | $6,835,000 | 3,133 |
| Provision for loan and lease losses | $312,000 | 4,052 |
| Total noninterest income | $525,000 | 4,308 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $177,000 | 4,605 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $348,000 | 3,638 |
| Total noninterest expense | $5,498,000 | 3,279 |
| Salaries and employee benefits | $2,472,000 | 3,589 |
| Premises and equipment expense | $882,000 | 2,680 |
| Additional noninterest expense | $2,144,000 | 2,938 |
| Pre-tax net operating income | $1,550,000 | 2,967 |
| Securities gains (losses) | $4,000 | 3,534 |
| Applicable income taxes | $441,000 | 2,150 |
| Income before extraordinary items | $1,113,000 | 3,338 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,113,000 | 3,341 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,113,000 | 3,341 |
| Net charge-offs | $1,846,000 | 1,629 |
| Cash dividends | $64,000 | 3,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,110,120 | 3,242 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,463,000 | 3,162 |
| Total interest expense | $1,277,000 | 3,242 |
| Net interest income | $5,186,000 | 3,115 |
| Provision for loan and lease losses | $162,000 | 4,403 |
| Total noninterest income | $342,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $133,000 | 4,607 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $209,000 | 4,037 |
| Total noninterest expense | $3,993,000 | 3,378 |
| Salaries and employee benefits | $1,830,000 | 3,627 |
| Premises and equipment expense | $621,000 | 2,856 |
| Additional noninterest expense | $1,542,000 | 3,078 |
| Pre-tax net operating income | $1,373,000 | 2,742 |
| Securities gains (losses) | $4,000 | 3,259 |
| Applicable income taxes | $404,000 | 1,930 |
| Income before extraordinary items | $973,000 | 3,121 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $973,000 | 3,121 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $973,000 | 3,121 |
| Net charge-offs | $1,563,000 | 1,445 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $970,160 | 3,020 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,325,000 | 3,190 |
| Total interest expense | $855,000 | 3,332 |
| Net interest income | $3,470,000 | 3,107 |
| Provision for loan and lease losses | $140,000 | 4,013 |
| Total noninterest income | $227,000 | 4,649 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $88,000 | 4,617 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $139,000 | 4,074 |
| Total noninterest expense | $2,662,000 | 3,417 |
| Salaries and employee benefits | $1,185,000 | 3,748 |
| Premises and equipment expense | $417,000 | 2,853 |
| Additional noninterest expense | $1,060,000 | 3,057 |
| Pre-tax net operating income | $895,000 | 2,719 |
| Securities gains (losses) | $4,000 | 2,586 |
| Applicable income taxes | $263,000 | 1,939 |
| Income before extraordinary items | $636,000 | 3,085 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $636,000 | 3,088 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $636,000 | 3,088 |
| Net charge-offs | $723,000 | 1,764 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $633,160 | 3,002 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,184,000 | 3,173 |
| Total interest expense | $430,000 | 3,430 |
| Net interest income | $1,754,000 | 3,080 |
| Provision for loan and lease losses | $8,000 | 5,494 |
| Total noninterest income | $123,000 | 4,558 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $43,000 | 4,615 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $80,000 | 3,908 |
| Total noninterest expense | $1,348,000 | 3,378 |
| Salaries and employee benefits | $595,000 | 3,751 |
| Premises and equipment expense | $225,000 | 2,710 |
| Additional noninterest expense | $528,000 | 3,042 |
| Pre-tax net operating income | $521,000 | 2,480 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $155,000 | 1,763 |
| Income before extraordinary items | $366,000 | 2,850 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $366,000 | 2,849 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $366,000 | 2,850 |
| Net charge-offs | $45,000 | 3,441 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $366,000 | 2,792 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,056,000 | 3,206 |
| Total interest expense | $2,273,000 | 3,218 |
| Net interest income | $6,783,000 | 3,153 |
| Provision for loan and lease losses | $4,913,000 | 1,163 |
| Total noninterest income | $636,000 | 4,113 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $192,000 | 4,482 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $444,000 | 3,361 |
| Total noninterest expense | $5,481,000 | 3,349 |
| Salaries and employee benefits | $2,461,000 | 3,622 |
| Premises and equipment expense | $859,000 | 2,806 |
| Additional noninterest expense | $2,161,000 | 3,043 |
| Pre-tax net operating income | $-2,975,000 | 6,914 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-1,084,000 | 7,334 |
| Income before extraordinary items | $-1,891,000 | 6,826 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,891,000 | 6,826 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,891,000 | 6,827 |
| Net charge-offs | $2,685,000 | 1,566 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,891,000 | 6,805 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,815,000 | 3,260 |
| Total interest expense | $1,763,000 | 3,255 |
| Net interest income | $5,052,000 | 3,211 |
| Provision for loan and lease losses | $2,968,000 | 1,277 |
| Total noninterest income | $492,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $145,000 | 4,547 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $347,000 | 3,322 |
| Total noninterest expense | $4,045,000 | 3,380 |
| Salaries and employee benefits | $1,850,000 | 3,651 |
| Premises and equipment expense | $578,000 | 3,118 |
| Additional noninterest expense | $1,617,000 | 3,004 |
| Pre-tax net operating income | $-1,469,000 | 6,947 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-566,000 | 7,389 |
| Income before extraordinary items | $-903,000 | 6,864 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-903,000 | 6,864 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-903,000 | 6,864 |
| Net charge-offs | $1,365,000 | 1,864 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-903,000 | 6,811 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,529,000 | 3,306 |
| Total interest expense | $1,228,000 | 3,248 |
| Net interest income | $3,301,000 | 3,264 |
| Provision for loan and lease losses | $1,568,000 | 1,476 |
| Total noninterest income | $249,000 | 4,631 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $98,000 | 4,519 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $151,000 | 3,975 |
| Total noninterest expense | $2,612,000 | 3,502 |
| Salaries and employee benefits | $1,224,000 | 3,705 |
| Premises and equipment expense | $410,000 | 3,001 |
| Additional noninterest expense | $978,000 | 3,257 |
| Pre-tax net operating income | $-630,000 | 6,832 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-258,000 | 7,367 |
| Income before extraordinary items | $-372,000 | 6,760 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-372,000 | 6,762 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-372,000 | 6,761 |
| Net charge-offs | $826,000 | 1,910 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-372,000 | 6,718 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,253,000 | 3,375 |
| Total interest expense | $651,000 | 3,225 |
| Net interest income | $1,602,000 | 3,378 |
| Provision for loan and lease losses | $786,000 | 1,364 |
| Total noninterest income | $146,000 | 4,335 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $51,000 | 4,444 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $95,000 | 3,602 |
| Total noninterest expense | $1,342,000 | 3,448 |
| Salaries and employee benefits | $635,000 | 3,650 |
| Premises and equipment expense | $215,000 | 2,948 |
| Additional noninterest expense | $492,000 | 3,233 |
| Pre-tax net operating income | $-380,000 | 7,072 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-151,000 | 7,517 |
| Income before extraordinary items | $-229,000 | 6,975 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-229,000 | 6,976 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-229,000 | 6,975 |
| Net charge-offs | $780,000 | 1,230 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-229,000 | 6,938 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $8,733,000 | 3,591 |
| Total interest expense | $2,807,000 | 3,596 |
| Net interest income | $5,926,000 | 3,508 |
| Provision for loan and lease losses | $885,000 | 3,698 |
| Total noninterest income | $494,000 | 4,750 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $205,000 | 4,617 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $289,000 | 4,032 |
| Total noninterest expense | $5,311,000 | 3,500 |
| Salaries and employee benefits | $2,540,000 | 3,644 |
| Premises and equipment expense | $897,000 | 2,833 |
| Additional noninterest expense | $1,874,000 | 3,493 |
| Pre-tax net operating income | $224,000 | 4,733 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-8,000 | 6,228 |
| Income before extraordinary items | $232,000 | 4,700 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $232,000 | 4,699 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $232,000 | 4,700 |
| Net charge-offs | $312,000 | 4,437 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $232,000 | 4,631 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,453,000 | 3,682 |
| Total interest expense | $2,152,000 | 3,669 |
| Net interest income | $4,301,000 | 3,600 |
| Provision for loan and lease losses | $669,000 | 3,361 |
| Total noninterest income | $361,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $150,000 | 4,682 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $211,000 | 4,193 |
| Total noninterest expense | $3,917,000 | 3,550 |
| Salaries and employee benefits | $1,899,000 | 3,691 |
| Premises and equipment expense | $680,000 | 2,841 |
| Additional noninterest expense | $1,338,000 | 3,575 |
| Pre-tax net operating income | $76,000 | 5,385 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-37,000 | 6,777 |
| Income before extraordinary items | $113,000 | 5,253 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $113,000 | 5,252 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $113,000 | 5,252 |
| Net charge-offs | $162,000 | 4,513 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $113,000 | 5,196 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,215,000 | 3,763 |
| Total interest expense | $1,482,000 | 3,707 |
| Net interest income | $2,733,000 | 3,719 |
| Provision for loan and lease losses | $482,000 | 3,016 |
| Total noninterest income | $231,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $99,000 | 4,691 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $132,000 | 4,332 |
| Total noninterest expense | $2,613,000 | 3,589 |
| Salaries and employee benefits | $1,259,000 | 3,747 |
| Premises and equipment expense | $451,000 | 2,897 |
| Additional noninterest expense | $903,000 | 3,549 |
| Pre-tax net operating income | $-131,000 | 6,147 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-85,000 | 7,104 |
| Income before extraordinary items | $-46,000 | 6,055 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-46,000 | 6,055 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-46,000 | 6,055 |
| Net charge-offs | $136,000 | 3,890 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-46,000 | 5,994 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,083,000 | 3,816 |
| Total interest expense | $768,000 | 3,715 |
| Net interest income | $1,315,000 | 3,799 |
| Provision for loan and lease losses | $138,000 | 3,434 |
| Total noninterest income | $116,000 | 4,942 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $49,000 | 4,651 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $67,000 | 4,324 |
| Total noninterest expense | $1,247,000 | 3,663 |
| Salaries and employee benefits | $616,000 | 3,847 |
| Premises and equipment expense | $224,000 | 2,955 |
| Additional noninterest expense | $407,000 | 3,530 |
| Pre-tax net operating income | $46,000 | 5,690 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-5,000 | 7,129 |
| Income before extraordinary items | $51,000 | 5,667 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $51,000 | 5,670 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $51,000 | 5,670 |
| Net charge-offs | $57,000 | 3,422 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $51,000 | 5,498 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,609,000 | 3,644 |
| Total interest expense | $3,787,000 | 3,655 |
| Net interest income | $5,822,000 | 3,549 |
| Provision for loan and lease losses | $529,000 | 3,723 |
| Total noninterest income | $330,000 | 5,672 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $177,000 | 5,016 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $153,000 | 5,275 |
| Total noninterest expense | $4,842,000 | 3,653 |
| Salaries and employee benefits | $2,322,000 | 3,985 |
| Premises and equipment expense | $929,000 | 2,802 |
| Additional noninterest expense | $1,591,000 | 3,471 |
| Pre-tax net operating income | $781,000 | 4,214 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $190,000 | 2,866 |
| Income before extraordinary items | $591,000 | 4,202 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $591,000 | 4,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $392,000 | 3,146 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $591,000 | 4,356 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,307,000 | 3,658 |
| Total interest expense | $2,900,000 | 3,709 |
| Net interest income | $4,407,000 | 3,557 |
| Provision for loan and lease losses | $399,000 | 3,089 |
| Total noninterest income | $287,000 | 5,449 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $133,000 | 5,050 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $154,000 | 4,897 |
| Total noninterest expense | $3,591,000 | 3,680 |
| Salaries and employee benefits | $1,732,000 | 4,029 |
| Premises and equipment expense | $695,000 | 2,822 |
| Additional noninterest expense | $1,164,000 | 3,470 |
| Pre-tax net operating income | $704,000 | 4,331 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $181,000 | 3,023 |
| Income before extraordinary items | $523,000 | 4,361 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $523,000 | 4,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 2,321 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $523,000 | 4,503 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,949,000 | 3,675 |
| Total interest expense | $2,032,000 | 3,703 |
| Net interest income | $2,917,000 | 3,568 |
| Provision for loan and lease losses | $140,000 | 3,766 |
| Total noninterest income | $185,000 | 5,600 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $84,000 | 5,166 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $101,000 | 5,037 |
| Total noninterest expense | $2,407,000 | 3,695 |
| Salaries and employee benefits | $1,199,000 | 3,957 |
| Premises and equipment expense | $462,000 | 2,837 |
| Additional noninterest expense | $746,000 | 3,533 |
| Pre-tax net operating income | $555,000 | 4,183 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $152,000 | 2,989 |
| Income before extraordinary items | $403,000 | 4,456 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $403,000 | 4,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 1,713 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $403,000 | 4,403 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,546,000 | 3,675 |
| Total interest expense | $1,151,000 | 3,555 |
| Net interest income | $1,395,000 | 3,664 |
| Provision for loan and lease losses | $98,000 | 2,769 |
| Total noninterest income | $79,000 | 5,891 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $40,000 | 5,234 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $39,000 | 5,498 |
| Total noninterest expense | $1,212,000 | 3,664 |
| Salaries and employee benefits | $610,000 | 3,921 |
| Premises and equipment expense | $232,000 | 2,828 |
| Additional noninterest expense | $370,000 | 3,515 |
| Pre-tax net operating income | $164,000 | 5,313 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $40,000 | 3,790 |
| Income before extraordinary items | $124,000 | 5,528 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $124,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $124,000 | 5,427 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,864,000 | 3,562 |
| Total interest expense | $5,484,000 | 3,223 |
| Net interest income | $5,380,000 | 3,792 |
| Provision for loan and lease losses | $116,000 | 4,724 |
| Total noninterest income | $383,000 | 5,577 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $155,000 | 5,364 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $228,000 | 4,796 |
| Total noninterest expense | $4,493,000 | 3,759 |
| Salaries and employee benefits | $2,136,000 | 4,171 |
| Premises and equipment expense | $877,000 | 2,862 |
| Additional noninterest expense | $1,480,000 | 3,460 |
| Pre-tax net operating income | $1,154,000 | 4,437 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $334,000 | 3,244 |
| Income before extraordinary items | $820,000 | 4,741 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $820,000 | 4,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,798 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $820,000 | 4,718 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $8,033,000 | 3,600 |
| Total interest expense | $4,052,000 | 3,262 |
| Net interest income | $3,981,000 | 3,835 |
| Provision for loan and lease losses | $20,000 | 5,830 |
| Total noninterest income | $299,000 | 5,545 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $114,000 | 5,417 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $185,000 | 4,651 |
| Total noninterest expense | $3,355,000 | 3,760 |
| Salaries and employee benefits | $1,607,000 | 4,156 |
| Premises and equipment expense | $659,000 | 2,843 |
| Additional noninterest expense | $1,089,000 | 3,458 |
| Pre-tax net operating income | $905,000 | 4,584 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $264,000 | 3,366 |
| Income before extraordinary items | $641,000 | 4,881 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $641,000 | 4,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-87,000 | 8,361 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $641,000 | 4,868 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,248,000 | 3,656 |
| Total interest expense | $2,604,000 | 3,338 |
| Net interest income | $2,644,000 | 3,868 |
| Provision for loan and lease losses | $-2,000 | 8,317 |
| Total noninterest income | $204,000 | 5,529 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $74,000 | 5,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $130,000 | 4,584 |
| Total noninterest expense | $2,249,000 | 3,767 |
| Salaries and employee benefits | $1,068,000 | 4,207 |
| Premises and equipment expense | $434,000 | 2,895 |
| Additional noninterest expense | $747,000 | 3,380 |
| Pre-tax net operating income | $601,000 | 4,652 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $175,000 | 3,438 |
| Income before extraordinary items | $426,000 | 4,917 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $426,000 | 4,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,385 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $426,000 | 4,919 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 3,726 |
| Total interest expense | $1,254,000 | 3,426 |
| Net interest income | $1,300,000 | 3,911 |
| Provision for loan and lease losses | $-5,000 | 8,410 |
| Total noninterest income | $85,000 | 5,851 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $50,000 | 5,113 |
| Total noninterest expense | $1,087,000 | 3,872 |
| Salaries and employee benefits | $532,000 | 4,237 |
| Premises and equipment expense | $216,000 | 2,929 |
| Additional noninterest expense | $339,000 | 3,622 |
| Pre-tax net operating income | $303,000 | 4,622 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $88,000 | 3,448 |
| Income before extraordinary items | $215,000 | 4,894 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $215,000 | 4,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,348 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $215,000 | 4,870 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $9,831,000 | 3,626 |
| Total interest expense | $4,351,000 | 3,380 |
| Net interest income | $5,480,000 | 3,760 |
| Provision for loan and lease losses | $-40,000 | 8,380 |
| Total noninterest income | $396,000 | 5,626 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $173,000 | 5,258 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $223,000 | 4,907 |
| Total noninterest expense | $4,218,000 | 3,830 |
| Salaries and employee benefits | $2,105,000 | 4,115 |
| Premises and equipment expense | $833,000 | 2,899 |
| Additional noninterest expense | $1,280,000 | 3,745 |
| Pre-tax net operating income | $1,698,000 | 4,014 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $557,000 | 2,990 |
| Income before extraordinary items | $1,141,000 | 4,395 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,141,000 | 4,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-86,000 | 8,472 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,141,000 | 4,377 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $7,261,000 | 3,638 |
| Total interest expense | $3,122,000 | 3,404 |
| Net interest income | $4,139,000 | 3,768 |
| Provision for loan and lease losses | $-112,000 | 8,587 |
| Total noninterest income | $303,000 | 5,613 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $134,000 | 5,249 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $169,000 | 4,896 |
| Total noninterest expense | $3,150,000 | 3,836 |
| Salaries and employee benefits | $1,614,000 | 4,034 |
| Premises and equipment expense | $614,000 | 2,942 |
| Additional noninterest expense | $922,000 | 3,851 |
| Pre-tax net operating income | $1,404,000 | 3,940 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $467,000 | 2,950 |
| Income before extraordinary items | $937,000 | 4,319 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $937,000 | 4,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 8,464 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $937,000 | 4,306 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,688,000 | 3,675 |
| Total interest expense | $1,969,000 | 3,427 |
| Net interest income | $2,719,000 | 3,815 |
| Provision for loan and lease losses | $-61,000 | 8,598 |
| Total noninterest income | $165,000 | 6,054 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $88,000 | 5,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $77,000 | 5,619 |
| Total noninterest expense | $2,062,000 | 3,922 |
| Salaries and employee benefits | $1,057,000 | 4,097 |
| Premises and equipment expense | $407,000 | 2,960 |
| Additional noninterest expense | $598,000 | 3,923 |
| Pre-tax net operating income | $883,000 | 4,095 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $296,000 | 3,062 |
| Income before extraordinary items | $587,000 | 4,495 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $587,000 | 4,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-123,000 | 8,610 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $587,000 | 4,484 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 3,724 |
| Total interest expense | $933,000 | 3,438 |
| Net interest income | $1,333,000 | 3,864 |
| Provision for loan and lease losses | $-131,000 | 8,683 |
| Total noninterest income | $81,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $42,000 | 5,298 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $39,000 | 5,582 |
| Total noninterest expense | $1,037,000 | 3,911 |
| Salaries and employee benefits | $536,000 | 4,082 |
| Premises and equipment expense | $200,000 | 3,020 |
| Additional noninterest expense | $301,000 | 3,880 |
| Pre-tax net operating income | $508,000 | 3,692 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $171,000 | 2,840 |
| Income before extraordinary items | $337,000 | 4,107 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $337,000 | 4,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-195,000 | 8,720 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $337,000 | 4,093 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,928,000 | 3,784 |
| Total interest expense | $2,981,000 | 3,345 |
| Net interest income | $4,947,000 | 3,983 |
| Provision for loan and lease losses | $18,000 | 6,565 |
| Total noninterest income | $457,000 | 5,458 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $142,000 | 5,708 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $315,000 | 4,229 |
| Total noninterest expense | $3,929,000 | 3,913 |
| Salaries and employee benefits | $1,908,000 | 4,269 |
| Premises and equipment expense | $794,000 | 2,919 |
| Additional noninterest expense | $1,227,000 | 3,807 |
| Pre-tax net operating income | $1,457,000 | 4,460 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $489,000 | 3,403 |
| Income before extraordinary items | $968,000 | 4,908 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $968,000 | 4,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,630 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $968,000 | 4,877 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,707,000 | 3,853 |
| Total interest expense | $2,103,000 | 3,379 |
| Net interest income | $3,604,000 | 4,070 |
| Provision for loan and lease losses | $11,000 | 6,464 |
| Total noninterest income | $367,000 | 5,310 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $100,000 | 5,862 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $267,000 | 4,003 |
| Total noninterest expense | $2,884,000 | 3,949 |
| Salaries and employee benefits | $1,396,000 | 4,324 |
| Premises and equipment expense | $593,000 | 2,908 |
| Additional noninterest expense | $895,000 | 3,827 |
| Pre-tax net operating income | $1,076,000 | 4,588 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $361,000 | 3,481 |
| Income before extraordinary items | $715,000 | 5,038 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $715,000 | 5,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,141 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $715,000 | 4,994 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,618,000 | 3,937 |
| Total interest expense | $1,301,000 | 3,418 |
| Net interest income | $2,317,000 | 4,157 |
| Provision for loan and lease losses | $-57,000 | 8,710 |
| Total noninterest income | $264,000 | 5,094 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $202,000 | 3,748 |
| Total noninterest expense | $1,899,000 | 3,973 |
| Salaries and employee benefits | $923,000 | 4,329 |
| Premises and equipment expense | $394,000 | 2,878 |
| Additional noninterest expense | $582,000 | 3,896 |
| Pre-tax net operating income | $739,000 | 4,476 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $248,000 | 3,426 |
| Income before extraordinary items | $491,000 | 4,928 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $491,000 | 4,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $491,000 | 4,875 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 4,102 |
| Total interest expense | $591,000 | 3,541 |
| Net interest income | $1,108,000 | 4,300 |
| Provision for loan and lease losses | $29,000 | 4,274 |
| Total noninterest income | $147,000 | 4,760 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $29,000 | 6,046 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $118,000 | 3,435 |
| Total noninterest expense | $953,000 | 3,989 |
| Salaries and employee benefits | $485,000 | 4,187 |
| Premises and equipment expense | $194,000 | 2,954 |
| Additional noninterest expense | $274,000 | 4,083 |
| Pre-tax net operating income | $273,000 | 5,238 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $92,000 | 3,902 |
| Income before extraordinary items | $181,000 | 5,658 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $181,000 | 5,659 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $181,000 | 5,623 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,104,000 | 4,208 |
| Total interest expense | $2,027,000 | 3,611 |
| Net interest income | $4,077,000 | 4,421 |
| Provision for loan and lease losses | $1,325,000 | 809 |
| Total noninterest income | $436,000 | 5,610 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $116,000 | 6,239 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $320,000 | 4,144 |
| Total noninterest expense | $3,111,000 | 4,544 |
| Salaries and employee benefits | $1,672,000 | 4,580 |
| Premises and equipment expense | $517,000 | 3,982 |
| Additional noninterest expense | $922,000 | 4,615 |
| Pre-tax net operating income | $77,000 | 8,172 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $24,000 | 6,462 |
| Income before extraordinary items | $53,000 | 8,268 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $53,000 | 8,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,221,000 | 670 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $53,000 | 8,226 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,442,000 | 4,282 |
| Total interest expense | $1,489,000 | 3,639 |
| Net interest income | $2,953,000 | 4,527 |
| Provision for loan and lease losses | $281,000 | 2,377 |
| Total noninterest income | $230,000 | 6,395 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $89,000 | 6,233 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $141,000 | 5,249 |
| Total noninterest expense | $2,210,000 | 4,682 |
| Salaries and employee benefits | $1,208,000 | 4,657 |
| Premises and equipment expense | $327,000 | 4,506 |
| Additional noninterest expense | $675,000 | 4,660 |
| Pre-tax net operating income | $692,000 | 5,548 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $234,000 | 4,203 |
| Income before extraordinary items | $458,000 | 6,018 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $458,000 | 6,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $458,000 | 5,940 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,901,000 | 4,352 |
| Total interest expense | $984,000 | 3,649 |
| Net interest income | $1,917,000 | 4,606 |
| Provision for loan and lease losses | $95,000 | 3,576 |
| Total noninterest income | $174,000 | 6,139 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $59,000 | 6,260 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $115,000 | 4,884 |
| Total noninterest expense | $1,437,000 | 4,788 |
| Salaries and employee benefits | $796,000 | 4,740 |
| Premises and equipment expense | $198,000 | 4,785 |
| Additional noninterest expense | $443,000 | 4,730 |
| Pre-tax net operating income | $559,000 | 5,012 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $189,000 | 3,885 |
| Income before extraordinary items | $370,000 | 5,525 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $370,000 | 5,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $370,000 | 5,426 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,415,000 | 4,449 |
| Total interest expense | $480,000 | 3,763 |
| Net interest income | $935,000 | 4,695 |
| Provision for loan and lease losses | $64,000 | 2,864 |
| Total noninterest income | $62,000 | 6,798 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $29,000 | 6,251 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $33,000 | 5,928 |
| Total noninterest expense | $715,000 | 4,849 |
| Salaries and employee benefits | $396,000 | 4,776 |
| Premises and equipment expense | $96,000 | 4,925 |
| Additional noninterest expense | $223,000 | 4,677 |
| Pre-tax net operating income | $218,000 | 5,621 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $73,000 | 4,279 |
| Income before extraordinary items | $145,000 | 6,091 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $145,000 | 6,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $145,000 | 5,975 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,245,000 | 4,734 |
| Total interest expense | $1,680,000 | 4,550 |
| Net interest income | $3,565,000 | 4,735 |
| Provision for loan and lease losses | $431,000 | 2,441 |
| Total noninterest income | $469,000 | 5,586 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $109,000 | 6,421 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $360,000 | 4,163 |
| Total noninterest expense | $2,633,000 | 5,027 |
| Salaries and employee benefits | $1,434,000 | 5,007 |
| Premises and equipment expense | $387,000 | 4,837 |
| Additional noninterest expense | $812,000 | 5,001 |
| Pre-tax net operating income | $970,000 | 5,256 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $330,000 | 4,135 |
| Income before extraordinary items | $640,000 | 5,803 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $640,000 | 5,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,829 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $640,000 | 5,635 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,801,000 | 4,906 |
| Total interest expense | $1,216,000 | 4,778 |
| Net interest income | $2,585,000 | 4,851 |
| Provision for loan and lease losses | $403,000 | 2,011 |
| Total noninterest income | $229,000 | 6,594 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $80,000 | 6,507 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $149,000 | 5,342 |
| Total noninterest expense | $1,953,000 | 5,059 |
| Salaries and employee benefits | $1,057,000 | 5,057 |
| Premises and equipment expense | $291,000 | 4,820 |
| Additional noninterest expense | $605,000 | 4,973 |
| Pre-tax net operating income | $458,000 | 6,465 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $157,000 | 5,031 |
| Income before extraordinary items | $301,000 | 6,944 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $301,000 | 6,946 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,792 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $301,000 | 6,783 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,478,000 | 5,021 |
| Total interest expense | $799,000 | 4,930 |
| Net interest income | $1,679,000 | 4,938 |
| Provision for loan and lease losses | $155,000 | 2,947 |
| Total noninterest income | $147,000 | 6,687 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $52,000 | 6,525 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $95,000 | 5,412 |
| Total noninterest expense | $1,297,000 | 5,068 |
| Salaries and employee benefits | $702,000 | 5,074 |
| Premises and equipment expense | $193,000 | 4,808 |
| Additional noninterest expense | $402,000 | 4,990 |
| Pre-tax net operating income | $374,000 | 6,028 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $128,000 | 4,755 |
| Income before extraordinary items | $246,000 | 6,553 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $246,000 | 6,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,985 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $246,000 | 6,352 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,207,000 | 5,137 |
| Total interest expense | $385,000 | 5,144 |
| Net interest income | $822,000 | 4,993 |
| Provision for loan and lease losses | $50,000 | 3,651 |
| Total noninterest income | $76,000 | 6,544 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $24,000 | 6,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $52,000 | 5,197 |
| Total noninterest expense | $640,000 | 5,121 |
| Salaries and employee benefits | $340,000 | 5,194 |
| Premises and equipment expense | $95,000 | 4,865 |
| Additional noninterest expense | $205,000 | 4,878 |
| Pre-tax net operating income | $208,000 | 5,753 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $71,000 | 4,565 |
| Income before extraordinary items | $137,000 | 6,228 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $137,000 | 6,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $137,000 | 6,058 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,630,000 | 5,437 |
| Total interest expense | $1,495,000 | 5,725 |
| Net interest income | $3,135,000 | 5,158 |
| Provision for loan and lease losses | $297,000 | 3,496 |
| Total noninterest income | $246,000 | 6,904 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $87,000 | 6,811 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $159,000 | 5,480 |
| Total noninterest expense | $2,209,000 | 5,519 |
| Salaries and employee benefits | $1,209,000 | 5,458 |
| Premises and equipment expense | $350,000 | 5,091 |
| Additional noninterest expense | $650,000 | 5,656 |
| Pre-tax net operating income | $875,000 | 5,551 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $301,000 | 4,444 |
| Income before extraordinary items | $574,000 | 6,079 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $574,000 | 6,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $574,000 | 5,938 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,203,000 | 6,194 |
| Total interest expense | $1,872,000 | 6,305 |
| Net interest income | $2,331,000 | 5,959 |
| Provision for loan and lease losses | $337,000 | 2,979 |
| Total noninterest income | $216,000 | 7,156 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $74,000 | 7,088 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $142,000 | 5,644 |
| Total noninterest expense | $1,810,000 | 6,113 |
| Salaries and employee benefits | $906,000 | 6,344 |
| Premises and equipment expense | $294,000 | 5,581 |
| Additional noninterest expense | $610,000 | 5,777 |
| Pre-tax net operating income | $400,000 | 6,985 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-180,000 | 9,359 |
| Income before extraordinary items | $580,000 | 5,715 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $580,000 | 5,718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,122 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $580,000 | 5,585 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 6,989 |
| Total interest expense | $1,634,000 | 6,888 |
| Net interest income | $1,790,000 | 6,939 |
| Provision for loan and lease losses | $220,000 | 3,525 |
| Total noninterest income | $126,000 | 8,217 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $52,000 | 7,570 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,070 |
| Total noninterest expense | $1,500,000 | 6,752 |
| Salaries and employee benefits | $749,000 | 6,981 |
| Premises and equipment expense | $274,000 | 5,725 |
| Additional noninterest expense | $477,000 | 6,603 |
| Pre-tax net operating income | $196,000 | 8,380 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $196,000 | 8,084 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $196,000 | 8,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,414 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $196,000 | 8,087 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,504,000 | 9,064 |
| Total interest expense | $670,000 | 9,012 |
| Net interest income | $834,000 | 8,985 |
| Provision for loan and lease losses | $295,000 | 2,723 |
| Total noninterest income | $62,000 | 9,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $22,000 | 8,460 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,414 |
| Total noninterest expense | $1,311,000 | 7,268 |
| Salaries and employee benefits | $668,000 | 7,402 |
| Premises and equipment expense | $246,000 | 6,090 |
| Additional noninterest expense | $397,000 | 7,298 |
| Pre-tax net operating income | $-710,000 | 9,971 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-710,000 | 10,002 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-710,000 | 10,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-710,000 | 9,990 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $76,000 | 10,421 |
| Total interest expense | $18,000 | 10,389 |
| Net interest income | $58,000 | 10,412 |
| Provision for loan and lease losses | $12,000 | 8,074 |
| Total noninterest income | $1,000 | 10,395 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $0 | 9,085 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,352 |
| Total noninterest expense | $235,000 | 10,346 |
| Salaries and employee benefits | $133,000 | 10,303 |
| Premises and equipment expense | $33,000 | 10,136 |
| Additional noninterest expense | $69,000 | 10,313 |
| Pre-tax net operating income | $-188,000 | 9,985 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-188,000 | 10,038 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-188,000 | 10,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $5,810,000 | 203 |
| Net operating income | $-188,000 | 10,004 |
* 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.