Home > Western Security Bank > Income and Expense
Western Security Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $6,428,000 | 1,060 |
| Total interest expense | $1,233,000 | 1,036 |
| Net interest income | $5,195,000 | 1,066 |
| Provision for loan and lease losses | $150,000 | 2,302 |
| Total noninterest income | $1,860,000 | 822 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $602,000 | 589 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,258,000 | 770 |
| Total noninterest expense | $3,896,000 | 1,270 |
| Salaries and employee benefits | $2,106,000 | 1,241 |
| Premises and equipment expense | $359,000 | 1,662 |
| Additional noninterest expense | $1,431,000 | 1,191 |
| Pre-tax net operating income | $3,009,000 | 620 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $620,000 | 742 |
| Income before extraordinary items | $2,389,000 | 644 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,389,000 | 645 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,389,000 | 645 |
| Net charge-offs | $274,000 | 1,568 |
| Cash dividends | $2,000,000 | 258 |
| Sale, conversion, retirement of capital stock, net | $-135,000 | 7,281 |
| Net operating income | $2,389,000 | 628 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $26,814,000 | 1,055 |
| Total interest expense | $5,106,000 | 1,180 |
| Net interest income | $21,708,000 | 1,011 |
| Provision for loan and lease losses | $550,000 | 3,317 |
| Total noninterest income | $7,148,000 | 791 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $2,650,000 | 560 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $4,498,000 | 771 |
| Total noninterest expense | $16,116,000 | 1,224 |
| Salaries and employee benefits | $8,327,000 | 1,193 |
| Premises and equipment expense | $1,475,000 | 1,680 |
| Additional noninterest expense | $6,314,000 | 1,114 |
| Pre-tax net operating income | $12,190,000 | 524 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $2,622,000 | 636 |
| Income before extraordinary items | $9,568,000 | 557 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $9,568,000 | 558 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $9,568,000 | 558 |
| Net charge-offs | $836,000 | 2,571 |
| Cash dividends | $9,000,000 | 256 |
| Sale, conversion, retirement of capital stock, net | $-116,000 | 7,302 |
| Net operating income | $9,568,000 | 545 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $20,272,000 | 1,059 |
| Total interest expense | $3,811,000 | 1,237 |
| Net interest income | $16,461,000 | 1,009 |
| Provision for loan and lease losses | $550,000 | 2,737 |
| Total noninterest income | $5,728,000 | 755 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,953,000 | 571 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $3,775,000 | 707 |
| Total noninterest expense | $11,941,000 | 1,236 |
| Salaries and employee benefits | $6,142,000 | 1,210 |
| Premises and equipment expense | $1,188,000 | 1,579 |
| Additional noninterest expense | $4,611,000 | 1,139 |
| Pre-tax net operating income | $9,698,000 | 508 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $2,171,000 | 582 |
| Income before extraordinary items | $7,527,000 | 545 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,527,000 | 544 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $7,527,000 | 545 |
| Net charge-offs | $697,000 | 2,287 |
| Cash dividends | $7,000,000 | 218 |
| Sale, conversion, retirement of capital stock, net | $-116,000 | 7,390 |
| Net operating income | $7,527,000 | 532 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $13,354,000 | 1,077 |
| Total interest expense | $2,453,000 | 1,340 |
| Net interest income | $10,901,000 | 1,012 |
| Provision for loan and lease losses | $550,000 | 2,190 |
| Total noninterest income | $3,440,000 | 824 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $1,230,000 | 598 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,210,000 | 777 |
| Total noninterest expense | $8,179,000 | 1,218 |
| Salaries and employee benefits | $4,112,000 | 1,215 |
| Premises and equipment expense | $818,000 | 1,537 |
| Additional noninterest expense | $3,249,000 | 1,095 |
| Pre-tax net operating income | $5,612,000 | 566 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $1,149,000 | 680 |
| Income before extraordinary items | $4,463,000 | 591 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $4,463,000 | 587 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $4,463,000 | 591 |
| Net charge-offs | $613,000 | 1,933 |
| Cash dividends | $4,000,000 | 233 |
| Sale, conversion, retirement of capital stock, net | $-116,000 | 7,477 |
| Net operating income | $4,463,000 | 578 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $6,439,000 | 1,133 |
| Total interest expense | $1,207,000 | 1,406 |
| Net interest income | $5,232,000 | 1,055 |
| Provision for loan and lease losses | $300,000 | 1,892 |
| Total noninterest income | $1,599,000 | 862 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $553,000 | 649 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,046,000 | 799 |
| Total noninterest expense | $4,016,000 | 1,243 |
| Salaries and employee benefits | $2,105,000 | 1,200 |
| Premises and equipment expense | $440,000 | 1,459 |
| Additional noninterest expense | $1,471,000 | 1,214 |
| Pre-tax net operating income | $2,515,000 | 641 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $571,000 | 663 |
| Income before extraordinary items | $1,944,000 | 673 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $1,944,000 | 670 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,944,000 | 673 |
| Net charge-offs | $303,000 | 1,743 |
| Cash dividends | $2,000,000 | 202 |
| Sale, conversion, retirement of capital stock, net | $-116,000 | 7,551 |
| Net operating income | $1,944,000 | 661 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $26,405,000 | 1,174 |
| Total interest expense | $5,340,000 | 1,552 |
| Net interest income | $21,065,000 | 1,048 |
| Provision for loan and lease losses | $950,000 | 3,143 |
| Total noninterest income | $7,238,000 | 813 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,587,000 | 578 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,651,000 | 784 |
| Total noninterest expense | $16,217,000 | 1,236 |
| Salaries and employee benefits | $8,386,000 | 1,175 |
| Premises and equipment expense | $1,573,000 | 1,636 |
| Additional noninterest expense | $6,258,000 | 1,180 |
| Pre-tax net operating income | $11,136,000 | 493 |
| Securities gains (losses) | $514,000 | 874 |
| Applicable income taxes | $3,112,000 | 529 |
| Income before extraordinary items | $8,538,000 | 532 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $8,538,000 | 531 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $8,538,000 | 533 |
| Net charge-offs | $2,106,000 | 1,802 |
| Cash dividends | $7,000,000 | 246 |
| Sale, conversion, retirement of capital stock, net | $84,000 | 827 |
| Net operating income | $8,162,780 | 536 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $19,964,000 | 1,185 |
| Total interest expense | $4,092,000 | 1,588 |
| Net interest income | $15,872,000 | 1,047 |
| Provision for loan and lease losses | $700,000 | 3,032 |
| Total noninterest income | $4,752,000 | 883 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,919,000 | 592 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $2,833,000 | 861 |
| Total noninterest expense | $11,912,000 | 1,251 |
| Salaries and employee benefits | $6,139,000 | 1,197 |
| Premises and equipment expense | $1,205,000 | 1,614 |
| Additional noninterest expense | $4,568,000 | 1,181 |
| Pre-tax net operating income | $8,012,000 | 535 |
| Securities gains (losses) | $334,000 | 999 |
| Applicable income taxes | $2,162,000 | 558 |
| Income before extraordinary items | $6,184,000 | 557 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $6,184,000 | 554 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $6,184,000 | 557 |
| Net charge-offs | $743,000 | 2,566 |
| Cash dividends | $5,000,000 | 218 |
| Sale, conversion, retirement of capital stock, net | $62,000 | 787 |
| Net operating income | $5,936,840 | 557 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $13,291,000 | 1,198 |
| Total interest expense | $2,781,000 | 1,623 |
| Net interest income | $10,510,000 | 1,057 |
| Provision for loan and lease losses | $550,000 | 2,712 |
| Total noninterest income | $3,156,000 | 865 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,226,000 | 622 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,930,000 | 829 |
| Total noninterest expense | $7,705,000 | 1,281 |
| Salaries and employee benefits | $3,998,000 | 1,222 |
| Premises and equipment expense | $855,000 | 1,537 |
| Additional noninterest expense | $2,852,000 | 1,248 |
| Pre-tax net operating income | $5,411,000 | 508 |
| Securities gains (losses) | $239,000 | 827 |
| Applicable income taxes | $1,459,000 | 511 |
| Income before extraordinary items | $4,191,000 | 520 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $4,191,000 | 521 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $4,191,000 | 522 |
| Net charge-offs | $605,000 | 2,230 |
| Cash dividends | $3,000,000 | 232 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 697 |
| Net operating income | $4,014,140 | 527 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,630,000 | 1,230 |
| Total interest expense | $1,439,000 | 1,636 |
| Net interest income | $5,191,000 | 1,082 |
| Provision for loan and lease losses | $300,000 | 2,372 |
| Total noninterest income | $1,529,000 | 868 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $595,000 | 645 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $934,000 | 843 |
| Total noninterest expense | $3,708,000 | 1,355 |
| Salaries and employee benefits | $1,929,000 | 1,295 |
| Premises and equipment expense | $442,000 | 1,531 |
| Additional noninterest expense | $1,337,000 | 1,329 |
| Pre-tax net operating income | $2,712,000 | 501 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $769,000 | 471 |
| Income before extraordinary items | $1,943,000 | 572 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,943,000 | 575 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $1,943,000 | 575 |
| Net charge-offs | $325,000 | 1,955 |
| Cash dividends | $1,500,000 | 226 |
| Sale, conversion, retirement of capital stock, net | $27,000 | 582 |
| Net operating income | $1,943,000 | 552 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $27,908,000 | 1,235 |
| Total interest expense | $6,087,000 | 1,902 |
| Net interest income | $21,821,000 | 995 |
| Provision for loan and lease losses | $3,200,000 | 1,892 |
| Total noninterest income | $7,602,000 | 791 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,896,000 | 580 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,706,000 | 753 |
| Total noninterest expense | $16,472,000 | 1,260 |
| Salaries and employee benefits | $7,978,000 | 1,232 |
| Premises and equipment expense | $1,896,000 | 1,435 |
| Additional noninterest expense | $6,598,000 | 1,169 |
| Pre-tax net operating income | $9,751,000 | 443 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $2,813,000 | 423 |
| Income before extraordinary items | $6,938,000 | 483 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,938,000 | 482 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $6,938,000 | 485 |
| Net charge-offs | $1,500,000 | 2,371 |
| Cash dividends | $5,900,000 | 303 |
| Sale, conversion, retirement of capital stock, net | $161,000 | 761 |
| Net operating income | $6,938,000 | 481 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $21,005,000 | 1,253 |
| Total interest expense | $4,620,000 | 1,958 |
| Net interest income | $16,385,000 | 1,002 |
| Provision for loan and lease losses | $2,300,000 | 1,748 |
| Total noninterest income | $5,809,000 | 773 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,179,000 | 578 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,630,000 | 741 |
| Total noninterest expense | $12,507,000 | 1,236 |
| Salaries and employee benefits | $6,072,000 | 1,234 |
| Premises and equipment expense | $1,401,000 | 1,460 |
| Additional noninterest expense | $5,034,000 | 1,115 |
| Pre-tax net operating income | $7,387,000 | 454 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $2,155,000 | 438 |
| Income before extraordinary items | $5,232,000 | 512 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $5,232,000 | 511 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $5,232,000 | 513 |
| Net charge-offs | $1,342,000 | 1,889 |
| Cash dividends | $900,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $124,000 | 689 |
| Net operating income | $5,232,000 | 510 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $14,166,000 | 1,261 |
| Total interest expense | $3,133,000 | 2,024 |
| Net interest income | $11,033,000 | 974 |
| Provision for loan and lease losses | $1,400,000 | 1,703 |
| Total noninterest income | $3,977,000 | 775 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,398,000 | 597 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,579,000 | 714 |
| Total noninterest expense | $8,585,000 | 1,209 |
| Salaries and employee benefits | $4,124,000 | 1,231 |
| Premises and equipment expense | $976,000 | 1,434 |
| Additional noninterest expense | $3,485,000 | 1,105 |
| Pre-tax net operating income | $5,025,000 | 433 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $1,471,000 | 431 |
| Income before extraordinary items | $3,554,000 | 490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,554,000 | 488 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $3,554,000 | 490 |
| Net charge-offs | $1,416,000 | 1,380 |
| Cash dividends | $600,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 656 |
| Net operating income | $3,554,000 | 475 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $7,235,000 | 1,252 |
| Total interest expense | $1,563,000 | 2,092 |
| Net interest income | $5,672,000 | 948 |
| Provision for loan and lease losses | $500,000 | 1,760 |
| Total noninterest income | $1,722,000 | 830 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $663,000 | 612 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,059,000 | 815 |
| Total noninterest expense | $3,934,000 | 1,275 |
| Salaries and employee benefits | $2,041,000 | 1,262 |
| Premises and equipment expense | $495,000 | 1,430 |
| Additional noninterest expense | $1,398,000 | 1,189 |
| Pre-tax net operating income | $2,960,000 | 409 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $912,000 | 380 |
| Income before extraordinary items | $2,048,000 | 477 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,048,000 | 478 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $2,048,000 | 480 |
| Net charge-offs | $1,262,000 | 834 |
| Cash dividends | $300,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $63,000 | 441 |
| Net operating income | $2,048,000 | 446 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $30,415,000 | 1,268 |
| Total interest expense | $9,093,000 | 1,775 |
| Net interest income | $21,322,000 | 1,015 |
| Provision for loan and lease losses | $540,000 | 3,686 |
| Total noninterest income | $7,295,000 | 772 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,470,000 | 494 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,825,000 | 795 |
| Total noninterest expense | $16,279,000 | 1,201 |
| Salaries and employee benefits | $8,306,000 | 1,201 |
| Premises and equipment expense | $2,053,000 | 1,336 |
| Additional noninterest expense | $5,920,000 | 1,091 |
| Pre-tax net operating income | $11,798,000 | 453 |
| Securities gains (losses) | $-5,093,000 | 8,087 |
| Applicable income taxes | $1,818,000 | 735 |
| Income before extraordinary items | $4,887,000 | 829 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,887,000 | 829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 3,622 |
| Cash dividends | $4,000,000 | 688 |
| Sale, conversion, retirement of capital stock, net | $360,000 | 625 |
| Net operating income | $8,604,890 | 473 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $23,096,000 | 1,270 |
| Total interest expense | $7,294,000 | 1,735 |
| Net interest income | $15,802,000 | 1,045 |
| Provision for loan and lease losses | $190,000 | 4,286 |
| Total noninterest income | $5,655,000 | 785 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,659,000 | 494 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,996,000 | 825 |
| Total noninterest expense | $12,242,000 | 1,191 |
| Salaries and employee benefits | $6,356,000 | 1,195 |
| Premises and equipment expense | $1,474,000 | 1,413 |
| Additional noninterest expense | $4,412,000 | 1,040 |
| Pre-tax net operating income | $9,025,000 | 558 |
| Securities gains (losses) | $-5,093,000 | 8,222 |
| Applicable income taxes | $915,000 | 1,241 |
| Income before extraordinary items | $3,017,000 | 1,236 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,017,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,177 |
| Cash dividends | $4,000,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $301,000 | 483 |
| Net operating income | $6,938,610 | 550 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,357,000 | 1,299 |
| Total interest expense | $4,860,000 | 1,811 |
| Net interest income | $10,497,000 | 1,042 |
| Provision for loan and lease losses | $50,000 | 5,164 |
| Total noninterest income | $3,548,000 | 837 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,697,000 | 500 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,851,000 | 894 |
| Total noninterest expense | $7,929,000 | 1,224 |
| Salaries and employee benefits | $4,244,000 | 1,211 |
| Premises and equipment expense | $946,000 | 1,473 |
| Additional noninterest expense | $2,739,000 | 1,098 |
| Pre-tax net operating income | $6,066,000 | 572 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,012,000 | 515 |
| Income before extraordinary items | $4,054,000 | 681 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,054,000 | 680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,143 |
| Cash dividends | $4,000,000 | 406 |
| Sale, conversion, retirement of capital stock, net | $197,000 | 416 |
| Net operating income | $4,054,000 | 663 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 1,316 |
| Total interest expense | $2,677,000 | 1,754 |
| Net interest income | $5,097,000 | 1,065 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $1,737,000 | 846 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $792,000 | 530 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $945,000 | 893 |
| Total noninterest expense | $3,929,000 | 1,233 |
| Salaries and employee benefits | $2,093,000 | 1,247 |
| Premises and equipment expense | $498,000 | 1,398 |
| Additional noninterest expense | $1,338,000 | 1,086 |
| Pre-tax net operating income | $2,905,000 | 667 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $947,000 | 609 |
| Income before extraordinary items | $1,958,000 | 773 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,958,000 | 774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,945 |
| Cash dividends | $2,000,000 | 415 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 308 |
| Net operating income | $1,958,000 | 739 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $32,969,000 | 1,283 |
| Total interest expense | $13,360,000 | 1,501 |
| Net interest income | $19,609,000 | 1,129 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $7,812,000 | 760 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,343,000 | 521 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,469,000 | 757 |
| Total noninterest expense | $16,206,000 | 1,154 |
| Salaries and employee benefits | $7,815,000 | 1,277 |
| Premises and equipment expense | $1,923,000 | 1,384 |
| Additional noninterest expense | $6,468,000 | 875 |
| Pre-tax net operating income | $11,215,000 | 756 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $4,130,000 | 620 |
| Income before extraordinary items | $7,085,000 | 916 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,085,000 | 914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $395,000 | 1,968 |
| Cash dividends | $8,000,000 | 497 |
| Sale, conversion, retirement of capital stock, net | $974,000 | 437 |
| Net operating income | $7,085,000 | 900 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $24,830,000 | 1,277 |
| Total interest expense | $10,189,000 | 1,472 |
| Net interest income | $14,641,000 | 1,139 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $6,099,000 | 733 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,454,000 | 524 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,645,000 | 710 |
| Total noninterest expense | $12,089,000 | 1,154 |
| Salaries and employee benefits | $6,054,000 | 1,233 |
| Premises and equipment expense | $1,411,000 | 1,404 |
| Additional noninterest expense | $4,624,000 | 883 |
| Pre-tax net operating income | $8,651,000 | 799 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,772,000 | 744 |
| Income before extraordinary items | $5,879,000 | 887 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,879,000 | 885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $320,000 | 1,475 |
| Cash dividends | $6,000,000 | 481 |
| Sale, conversion, retirement of capital stock, net | $884,000 | 333 |
| Net operating income | $5,879,000 | 878 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,450,000 | 1,295 |
| Total interest expense | $6,582,000 | 1,522 |
| Net interest income | $9,868,000 | 1,147 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $4,488,000 | 690 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,574,000 | 554 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,914,000 | 617 |
| Total noninterest expense | $8,025,000 | 1,177 |
| Salaries and employee benefits | $4,059,000 | 1,255 |
| Premises and equipment expense | $934,000 | 1,421 |
| Additional noninterest expense | $3,032,000 | 917 |
| Pre-tax net operating income | $6,331,000 | 765 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,066,000 | 715 |
| Income before extraordinary items | $4,265,000 | 853 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,265,000 | 853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,057 |
| Cash dividends | $4,000,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $777,000 | 263 |
| Net operating income | $4,265,000 | 844 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,157,000 | 1,303 |
| Total interest expense | $3,166,000 | 1,570 |
| Net interest income | $4,991,000 | 1,113 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,945,000 | 559 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $741,000 | 563 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $2,204,000 | 466 |
| Total noninterest expense | $3,880,000 | 1,218 |
| Salaries and employee benefits | $1,932,000 | 1,328 |
| Premises and equipment expense | $437,000 | 1,534 |
| Additional noninterest expense | $1,511,000 | 906 |
| Pre-tax net operating income | $4,056,000 | 611 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,386,000 | 566 |
| Income before extraordinary items | $2,670,000 | 678 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,670,000 | 677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,847 |
| Cash dividends | $2,000,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $682,000 | 156 |
| Net operating income | $2,670,000 | 668 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,511,000 | 1,647 |
| Total interest expense | $10,039,000 | 1,676 |
| Net interest income | $14,472,000 | 1,584 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $4,804,000 | 1,125 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,252,000 | 786 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,552,000 | 1,117 |
| Total noninterest expense | $10,733,000 | 1,660 |
| Salaries and employee benefits | $5,442,000 | 1,796 |
| Premises and equipment expense | $1,230,000 | 2,032 |
| Additional noninterest expense | $4,061,000 | 1,314 |
| Pre-tax net operating income | $8,543,000 | 1,161 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,325,000 | 1,839 |
| Income before extraordinary items | $7,218,000 | 1,034 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,218,000 | 1,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $5,500,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $383,000 | 645 |
| Net operating income | $7,218,000 | 1,020 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,295,000 | 1,628 |
| Total interest expense | $7,400,000 | 1,655 |
| Net interest income | $10,895,000 | 1,598 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $3,683,000 | 1,120 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,635,000 | 812 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,048,000 | 1,079 |
| Total noninterest expense | $8,004,000 | 1,672 |
| Salaries and employee benefits | $4,093,000 | 1,794 |
| Premises and equipment expense | $918,000 | 2,055 |
| Additional noninterest expense | $2,993,000 | 1,336 |
| Pre-tax net operating income | $6,574,000 | 1,164 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,702,000 | 1,261 |
| Income before extraordinary items | $4,872,000 | 1,173 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,872,000 | 1,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,326 |
| Cash dividends | $4,000,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $287,000 | 531 |
| Net operating income | $4,872,000 | 1,163 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,076,000 | 1,612 |
| Total interest expense | $4,765,000 | 1,637 |
| Net interest income | $7,311,000 | 1,582 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $1,969,000 | 1,325 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,024,000 | 844 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $945,000 | 1,413 |
| Total noninterest expense | $5,155,000 | 1,732 |
| Salaries and employee benefits | $2,568,000 | 1,902 |
| Premises and equipment expense | $612,000 | 2,048 |
| Additional noninterest expense | $1,975,000 | 1,354 |
| Pre-tax net operating income | $4,125,000 | 1,222 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,200,000 | 1,201 |
| Income before extraordinary items | $2,925,000 | 1,283 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,925,000 | 1,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,345 |
| Cash dividends | $2,500,000 | 671 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,925,000 | 1,266 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,959,000 | 1,586 |
| Total interest expense | $2,257,000 | 1,628 |
| Net interest income | $3,702,000 | 1,544 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $921,000 | 1,365 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $459,000 | 923 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $462,000 | 1,421 |
| Total noninterest expense | $2,509,000 | 1,767 |
| Salaries and employee benefits | $1,293,000 | 1,901 |
| Premises and equipment expense | $310,000 | 2,031 |
| Additional noninterest expense | $906,000 | 1,456 |
| Pre-tax net operating income | $2,114,000 | 1,164 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $621,000 | 1,160 |
| Income before extraordinary items | $1,493,000 | 1,242 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,493,000 | 1,241 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,520 |
| Cash dividends | $1,200,000 | 644 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,493,000 | 1,222 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,073,000 | 1,447 |
| Total interest expense | $8,211,000 | 1,380 |
| Net interest income | $14,862,000 | 1,474 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $3,594,000 | 1,393 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,855,000 | 934 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,739,000 | 1,495 |
| Total noninterest expense | $9,876,000 | 1,720 |
| Salaries and employee benefits | $4,881,000 | 1,898 |
| Premises and equipment expense | $1,204,000 | 1,989 |
| Additional noninterest expense | $3,791,000 | 1,345 |
| Pre-tax net operating income | $8,580,000 | 1,127 |
| Securities gains (losses) | $-57,000 | 8,233 |
| Applicable income taxes | $2,488,000 | 1,132 |
| Income before extraordinary items | $6,035,000 | 1,191 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,035,000 | 1,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,848 |
| Cash dividends | $4,800,000 | 685 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,075,470 | 1,166 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $17,163,000 | 1,416 |
| Total interest expense | $5,965,000 | 1,344 |
| Net interest income | $11,198,000 | 1,442 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $2,656,000 | 1,421 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,366,000 | 954 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,290,000 | 1,504 |
| Total noninterest expense | $7,358,000 | 1,706 |
| Salaries and employee benefits | $3,670,000 | 1,875 |
| Premises and equipment expense | $813,000 | 2,198 |
| Additional noninterest expense | $2,875,000 | 1,324 |
| Pre-tax net operating income | $6,496,000 | 1,105 |
| Securities gains (losses) | $-57,000 | 8,518 |
| Applicable income taxes | $1,887,000 | 1,128 |
| Income before extraordinary items | $4,552,000 | 1,190 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,552,000 | 1,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 1,296 |
| Cash dividends | $3,600,000 | 622 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,592,470 | 1,159 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,314,000 | 1,393 |
| Total interest expense | $3,828,000 | 1,317 |
| Net interest income | $7,486,000 | 1,408 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $1,668,000 | 1,472 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $877,000 | 972 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $791,000 | 1,592 |
| Total noninterest expense | $4,836,000 | 1,725 |
| Salaries and employee benefits | $2,417,000 | 1,890 |
| Premises and equipment expense | $535,000 | 2,219 |
| Additional noninterest expense | $1,884,000 | 1,328 |
| Pre-tax net operating income | $4,318,000 | 1,091 |
| Securities gains (losses) | $-56,000 | 8,617 |
| Applicable income taxes | $1,245,000 | 1,118 |
| Income before extraordinary items | $3,017,000 | 1,169 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,017,000 | 1,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 1,042 |
| Cash dividends | $2,400,000 | 614 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,056,760 | 1,126 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,590,000 | 1,384 |
| Total interest expense | $1,826,000 | 1,306 |
| Net interest income | $3,764,000 | 1,404 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $765,000 | 1,543 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $403,000 | 1,026 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $362,000 | 1,667 |
| Total noninterest expense | $2,408,000 | 1,731 |
| Salaries and employee benefits | $1,195,000 | 1,913 |
| Premises and equipment expense | $270,000 | 2,205 |
| Additional noninterest expense | $943,000 | 1,316 |
| Pre-tax net operating income | $2,121,000 | 1,089 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $621,000 | 1,110 |
| Income before extraordinary items | $1,500,000 | 1,157 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,500,000 | 1,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,734 |
| Cash dividends | $1,200,000 | 551 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,500,000 | 1,133 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $22,465,000 | 1,252 |
| Total interest expense | $6,469,000 | 1,269 |
| Net interest income | $15,996,000 | 1,265 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $3,139,000 | 1,540 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,604,000 | 1,111 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,535,000 | 1,616 |
| Total noninterest expense | $9,226,000 | 1,751 |
| Salaries and employee benefits | $4,442,000 | 1,962 |
| Premises and equipment expense | $954,000 | 2,389 |
| Additional noninterest expense | $3,830,000 | 1,299 |
| Pre-tax net operating income | $9,909,000 | 894 |
| Securities gains (losses) | $42,000 | 1,872 |
| Applicable income taxes | $3,039,000 | 898 |
| Income before extraordinary items | $6,912,000 | 959 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,912,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,368 |
| Cash dividends | $4,800,000 | 645 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,883,020 | 925 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $16,800,000 | 1,240 |
| Total interest expense | $4,736,000 | 1,275 |
| Net interest income | $12,064,000 | 1,245 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $2,331,000 | 1,561 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,173,000 | 1,137 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,158,000 | 1,598 |
| Total noninterest expense | $6,853,000 | 1,761 |
| Salaries and employee benefits | $3,314,000 | 1,970 |
| Premises and equipment expense | $709,000 | 2,396 |
| Additional noninterest expense | $2,830,000 | 1,308 |
| Pre-tax net operating income | $7,542,000 | 881 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $2,310,000 | 906 |
| Income before extraordinary items | $5,232,000 | 947 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,232,000 | 948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,384 |
| Cash dividends | $3,600,000 | 598 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,232,000 | 915 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,063,000 | 1,246 |
| Total interest expense | $3,099,000 | 1,274 |
| Net interest income | $7,964,000 | 1,243 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,509,000 | 1,579 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $729,000 | 1,209 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $780,000 | 1,570 |
| Total noninterest expense | $4,587,000 | 1,748 |
| Salaries and employee benefits | $2,180,000 | 1,997 |
| Premises and equipment expense | $476,000 | 2,385 |
| Additional noninterest expense | $1,931,000 | 1,257 |
| Pre-tax net operating income | $4,886,000 | 894 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,484,000 | 922 |
| Income before extraordinary items | $3,402,000 | 963 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,402,000 | 964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,596 |
| Cash dividends | $2,400,000 | 605 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,402,000 | 928 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,649,000 | 1,225 |
| Total interest expense | $1,557,000 | 1,279 |
| Net interest income | $4,092,000 | 1,207 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $680,000 | 1,704 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $325,000 | 1,317 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $355,000 | 1,669 |
| Total noninterest expense | $2,269,000 | 1,784 |
| Salaries and employee benefits | $1,107,000 | 1,990 |
| Premises and equipment expense | $246,000 | 2,348 |
| Additional noninterest expense | $916,000 | 1,318 |
| Pre-tax net operating income | $2,503,000 | 862 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $775,000 | 917 |
| Income before extraordinary items | $1,728,000 | 939 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,728,000 | 939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,610 |
| Cash dividends | $1,200,000 | 567 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,728,000 | 896 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $21,798,000 | 1,295 |
| Total interest expense | $7,757,000 | 1,159 |
| Net interest income | $14,041,000 | 1,389 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $3,167,000 | 1,612 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,258,000 | 1,379 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,909,000 | 1,518 |
| Total noninterest expense | $8,944,000 | 1,775 |
| Salaries and employee benefits | $4,223,000 | 2,019 |
| Premises and equipment expense | $964,000 | 2,330 |
| Additional noninterest expense | $3,757,000 | 1,320 |
| Pre-tax net operating income | $8,264,000 | 1,008 |
| Securities gains (losses) | $440,000 | 823 |
| Applicable income taxes | $2,604,000 | 1,033 |
| Income before extraordinary items | $6,100,000 | 1,058 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $6,100,000 | 1,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $191,000 | 2,954 |
| Cash dividends | $4,400,000 | 726 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,792,000 | 1,051 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $16,430,000 | 1,315 |
| Total interest expense | $6,084,000 | 1,153 |
| Net interest income | $10,346,000 | 1,425 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $2,441,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $927,000 | 1,418 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,514,000 | 1,528 |
| Total noninterest expense | $6,587,000 | 1,811 |
| Salaries and employee benefits | $3,138,000 | 2,041 |
| Premises and equipment expense | $731,000 | 2,316 |
| Additional noninterest expense | $2,718,000 | 1,364 |
| Pre-tax net operating income | $6,200,000 | 1,050 |
| Securities gains (losses) | $440,000 | 747 |
| Applicable income taxes | $2,015,000 | 1,056 |
| Income before extraordinary items | $4,625,000 | 1,084 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,625,000 | 1,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,922 |
| Cash dividends | $3,200,000 | 699 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,317,000 | 1,094 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $10,868,000 | 1,347 |
| Total interest expense | $4,209,000 | 1,136 |
| Net interest income | $6,659,000 | 1,472 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,616,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $589,000 | 1,450 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,027,000 | 1,485 |
| Total noninterest expense | $4,335,000 | 1,821 |
| Salaries and employee benefits | $2,057,000 | 2,064 |
| Premises and equipment expense | $504,000 | 2,245 |
| Additional noninterest expense | $1,774,000 | 1,395 |
| Pre-tax net operating income | $3,940,000 | 1,096 |
| Securities gains (losses) | $440,000 | 625 |
| Applicable income taxes | $1,336,000 | 1,085 |
| Income before extraordinary items | $3,044,000 | 1,100 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,044,000 | 1,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 2,341 |
| Cash dividends | $2,000,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,740,400 | 1,130 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,403,000 | 1,357 |
| Total interest expense | $2,177,000 | 1,130 |
| Net interest income | $3,226,000 | 1,507 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $748,000 | 1,678 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $278,000 | 1,499 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $470,000 | 1,551 |
| Total noninterest expense | $2,122,000 | 1,848 |
| Salaries and employee benefits | $994,000 | 2,122 |
| Premises and equipment expense | $272,000 | 2,096 |
| Additional noninterest expense | $856,000 | 1,407 |
| Pre-tax net operating income | $1,852,000 | 1,169 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $536,000 | 1,289 |
| Income before extraordinary items | $1,316,000 | 1,253 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,316,000 | 1,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,593 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,316,000 | 1,176 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,534,000 | 1,254 |
| Total interest expense | $10,501,000 | 1,064 |
| Net interest income | $14,033,000 | 1,380 |
| Provision for loan and lease losses | $325,000 | 3,273 |
| Total noninterest income | $2,292,000 | 1,907 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,069,000 | 1,510 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,223,000 | 1,917 |
| Total noninterest expense | $8,170,000 | 1,853 |
| Salaries and employee benefits | $3,663,000 | 2,190 |
| Premises and equipment expense | $1,197,000 | 1,858 |
| Additional noninterest expense | $3,310,000 | 1,433 |
| Pre-tax net operating income | $7,830,000 | 1,084 |
| Securities gains (losses) | $82,000 | 1,935 |
| Applicable income taxes | $2,432,000 | 1,102 |
| Income before extraordinary items | $5,480,000 | 1,147 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,480,000 | 1,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 2,253 |
| Cash dividends | $3,600,000 | 801 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,423,420 | 1,115 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $37,955,000 | 902 |
| Total interest expense | $19,786,000 | 828 |
| Net interest income | $18,169,000 | 994 |
| Provision for loan and lease losses | $1,350,000 | 989 |
| Total noninterest income | $3,163,000 | 1,419 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,453,000 | 1,027 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,710,000 | 1,389 |
| Total noninterest expense | $11,755,000 | 1,238 |
| Salaries and employee benefits | $5,524,000 | 1,360 |
| Premises and equipment expense | $1,615,000 | 1,323 |
| Additional noninterest expense | $4,616,000 | 1,045 |
| Pre-tax net operating income | $8,227,000 | 917 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $3,026,000 | 841 |
| Income before extraordinary items | $5,201,000 | 1,056 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,201,000 | 1,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $568,000 | 1,423 |
| Cash dividends | $27,400,000 | 192 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,201,000 | 1,015 |
* 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.