Home > Western Springs National Bank and Trust > Income and Expense
Western Springs National Bank and Trust, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,784,000 | 3,716 |
| Total interest expense | $322,000 | 4,116 |
| Net interest income | $1,462,000 | 3,537 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $133,000 | 4,392 |
| Gross Fiduciary activities income | $50,000 | 757 |
| Service charges on deposit accounts | $35,000 | 4,978 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $48,000 | 4,728 |
| Total noninterest expense | $1,792,000 | 2,651 |
| Salaries and employee benefits | $457,000 | 4,470 |
| Premises and equipment expense | $222,000 | 2,744 |
| Additional noninterest expense | $1,113,000 | 1,557 |
| Pre-tax net operating income | $-197,000 | 6,821 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-197,000 | 6,878 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-197,000 | 6,878 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-197,000 | 6,878 |
| Net charge-offs | $-280,000 | 7,532 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-197,000 | 6,866 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,590,000 | 3,354 |
| Total interest expense | $2,513,000 | 2,977 |
| Net interest income | $6,077,000 | 3,438 |
| Provision for loan and lease losses | $11,685,000 | 588 |
| Total noninterest income | $894,000 | 3,429 |
| Gross Fiduciary activities income | $289,000 | 679 |
| Service charges on deposit accounts | $183,000 | 4,584 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $422,000 | 3,430 |
| Total noninterest expense | $8,041,000 | 2,407 |
| Salaries and employee benefits | $1,994,000 | 4,244 |
| Premises and equipment expense | $721,000 | 3,216 |
| Additional noninterest expense | $5,326,000 | 1,363 |
| Pre-tax net operating income | $-12,755,000 | 7,417 |
| Securities gains (losses) | $556,000 | 809 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-12,199,000 | 7,429 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-12,199,000 | 7,429 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-12,199,000 | 7,429 |
| Net charge-offs | $9,607,000 | 625 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-12,755,000 | 7,430 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,642,000 | 3,332 |
| Total interest expense | $2,067,000 | 2,887 |
| Net interest income | $4,575,000 | 3,476 |
| Provision for loan and lease losses | $7,581,000 | 631 |
| Total noninterest income | $663,000 | 3,499 |
| Gross Fiduciary activities income | $139,000 | 767 |
| Service charges on deposit accounts | $145,000 | 4,547 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $379,000 | 3,189 |
| Total noninterest expense | $4,962,000 | 2,862 |
| Salaries and employee benefits | $1,515,000 | 4,240 |
| Premises and equipment expense | $564,000 | 3,167 |
| Additional noninterest expense | $2,883,000 | 1,835 |
| Pre-tax net operating income | $-7,305,000 | 7,476 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-7,305,000 | 7,521 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,305,000 | 7,521 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,305,000 | 7,521 |
| Net charge-offs | $5,598,000 | 719 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-7,305,000 | 7,503 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,537,000 | 3,302 |
| Total interest expense | $1,477,000 | 2,833 |
| Net interest income | $3,060,000 | 3,470 |
| Provision for loan and lease losses | $7,343,000 | 463 |
| Total noninterest income | $531,000 | 3,104 |
| Gross Fiduciary activities income | $83,000 | 792 |
| Service charges on deposit accounts | $102,000 | 4,444 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $346,000 | 2,626 |
| Total noninterest expense | $2,746,000 | 3,343 |
| Salaries and employee benefits | $1,014,000 | 4,252 |
| Premises and equipment expense | $394,000 | 3,094 |
| Additional noninterest expense | $1,338,000 | 2,475 |
| Pre-tax net operating income | $-6,498,000 | 7,607 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-6,498,000 | 7,633 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-6,498,000 | 7,633 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-6,498,000 | 7,633 |
| Net charge-offs | $5,360,000 | 544 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-6,498,000 | 7,633 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,296,000 | 3,322 |
| Total interest expense | $811,000 | 2,732 |
| Net interest income | $1,485,000 | 3,585 |
| Provision for loan and lease losses | $6,476,000 | 315 |
| Total noninterest income | $400,000 | 2,366 |
| Gross Fiduciary activities income | $38,000 | 823 |
| Service charges on deposit accounts | $52,000 | 4,405 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $310,000 | 1,796 |
| Total noninterest expense | $1,397,000 | 3,332 |
| Salaries and employee benefits | $506,000 | 4,320 |
| Premises and equipment expense | $231,000 | 2,764 |
| Additional noninterest expense | $660,000 | 2,496 |
| Pre-tax net operating income | $-5,988,000 | 7,793 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-5,988,000 | 7,810 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-5,988,000 | 7,811 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-5,988,000 | 7,811 |
| Net charge-offs | $4,493,000 | 362 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-5,988,000 | 7,803 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,989,000 | 2,972 |
| Total interest expense | $4,468,000 | 2,495 |
| Net interest income | $6,521,000 | 3,229 |
| Provision for loan and lease losses | $4,482,000 | 1,542 |
| Total noninterest income | $573,000 | 4,465 |
| Gross Fiduciary activities income | $164,000 | 801 |
| Service charges on deposit accounts | $244,000 | 4,276 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $165,000 | 4,957 |
| Total noninterest expense | $5,684,000 | 3,315 |
| Salaries and employee benefits | $2,026,000 | 4,321 |
| Premises and equipment expense | $434,000 | 4,776 |
| Additional noninterest expense | $3,224,000 | 2,200 |
| Pre-tax net operating income | $-3,072,000 | 6,907 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-3,072,000 | 7,008 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-3,072,000 | 7,006 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-3,072,000 | 7,007 |
| Net charge-offs | $3,346,000 | 1,506 |
| Cash dividends | $1,008,000 | 1,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-3,072,000 | 7,010 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,527,000 | 2,931 |
| Total interest expense | $3,429,000 | 2,552 |
| Net interest income | $5,098,000 | 3,142 |
| Provision for loan and lease losses | $2,585,000 | 1,627 |
| Total noninterest income | $412,000 | 4,609 |
| Gross Fiduciary activities income | $129,000 | 786 |
| Service charges on deposit accounts | $192,000 | 4,202 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $91,000 | 5,517 |
| Total noninterest expense | $4,331,000 | 3,275 |
| Salaries and employee benefits | $1,683,000 | 4,038 |
| Premises and equipment expense | $544,000 | 3,413 |
| Additional noninterest expense | $2,104,000 | 2,460 |
| Pre-tax net operating income | $-1,406,000 | 6,828 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,406,000 | 6,965 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,406,000 | 6,966 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,406,000 | 6,966 |
| Net charge-offs | $3,210,000 | 1,134 |
| Cash dividends | $1,008,000 | 1,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,406,000 | 6,944 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,810,000 | 2,908 |
| Total interest expense | $2,383,000 | 2,552 |
| Net interest income | $3,427,000 | 3,107 |
| Provision for loan and lease losses | $1,640,000 | 1,581 |
| Total noninterest income | $286,000 | 4,523 |
| Gross Fiduciary activities income | $86,000 | 799 |
| Service charges on deposit accounts | $136,000 | 4,064 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $64,000 | 5,483 |
| Total noninterest expense | $3,122,000 | 3,120 |
| Salaries and employee benefits | $1,154,000 | 3,986 |
| Premises and equipment expense | $362,000 | 3,444 |
| Additional noninterest expense | $1,606,000 | 2,195 |
| Pre-tax net operating income | $-1,049,000 | 7,046 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-1,049,000 | 7,166 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,049,000 | 7,166 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,049,000 | 7,167 |
| Net charge-offs | $2,520,000 | 966 |
| Cash dividends | $907,000 | 1,011 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,049,000 | 7,160 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,077,000 | 2,787 |
| Total interest expense | $1,252,000 | 2,526 |
| Net interest income | $1,825,000 | 2,943 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $155,000 | 4,322 |
| Gross Fiduciary activities income | $49,000 | 777 |
| Service charges on deposit accounts | $75,000 | 3,827 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $31,000 | 5,565 |
| Total noninterest expense | $1,269,000 | 3,610 |
| Salaries and employee benefits | $607,000 | 3,887 |
| Premises and equipment expense | $180,000 | 3,497 |
| Additional noninterest expense | $482,000 | 3,100 |
| Pre-tax net operating income | $666,000 | 1,885 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $666,000 | 1,617 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $666,000 | 1,618 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $666,000 | 1,619 |
| Net charge-offs | $10,000 | 4,758 |
| Cash dividends | $907,000 | 497 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $666,000 | 1,540 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,538,000 | 2,727 |
| Total interest expense | $5,669,000 | 2,646 |
| Net interest income | $7,869,000 | 2,757 |
| Provision for loan and lease losses | $2,085,000 | 1,742 |
| Total noninterest income | $593,000 | 4,498 |
| Gross Fiduciary activities income | $193,000 | 787 |
| Service charges on deposit accounts | $285,000 | 4,112 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $115,000 | 5,727 |
| Total noninterest expense | $4,922,000 | 3,612 |
| Salaries and employee benefits | $2,360,000 | 3,946 |
| Premises and equipment expense | $639,000 | 3,737 |
| Additional noninterest expense | $1,923,000 | 2,957 |
| Pre-tax net operating income | $1,455,000 | 3,081 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-57,000 | 6,980 |
| Income before extraordinary items | $1,512,000 | 2,506 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,512,000 | 2,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,017,000 | 1,942 |
| Cash dividends | $1,273,000 | 1,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,512,000 | 2,644 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,379,000 | 2,725 |
| Total interest expense | $4,333,000 | 2,700 |
| Net interest income | $6,046,000 | 2,707 |
| Provision for loan and lease losses | $1,310,000 | 1,561 |
| Total noninterest income | $420,000 | 4,706 |
| Gross Fiduciary activities income | $110,000 | 838 |
| Service charges on deposit accounts | $203,000 | 4,230 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $107,000 | 5,524 |
| Total noninterest expense | $3,765,000 | 3,541 |
| Salaries and employee benefits | $1,959,000 | 3,676 |
| Premises and equipment expense | $555,000 | 3,396 |
| Additional noninterest expense | $1,251,000 | 3,267 |
| Pre-tax net operating income | $1,391,000 | 2,997 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,391,000 | 2,479 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,391,000 | 2,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $797,000 | 1,493 |
| Cash dividends | $1,065,000 | 1,715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,391,000 | 2,586 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,951,000 | 2,742 |
| Total interest expense | $2,873,000 | 2,817 |
| Net interest income | $4,078,000 | 2,667 |
| Provision for loan and lease losses | $890,000 | 1,331 |
| Total noninterest income | $301,000 | 4,618 |
| Gross Fiduciary activities income | $97,000 | 808 |
| Service charges on deposit accounts | $130,000 | 4,315 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $74,000 | 5,542 |
| Total noninterest expense | $2,494,000 | 3,575 |
| Salaries and employee benefits | $1,302,000 | 3,718 |
| Premises and equipment expense | $368,000 | 3,432 |
| Additional noninterest expense | $824,000 | 3,277 |
| Pre-tax net operating income | $995,000 | 2,958 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $995,000 | 2,574 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $995,000 | 2,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 1,362 |
| Cash dividends | $977,000 | 1,459 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $995,000 | 2,533 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,630,000 | 2,694 |
| Total interest expense | $1,483,000 | 2,911 |
| Net interest income | $2,147,000 | 2,533 |
| Provision for loan and lease losses | $45,000 | 3,899 |
| Total noninterest income | $159,000 | 4,488 |
| Gross Fiduciary activities income | $47,000 | 817 |
| Service charges on deposit accounts | $68,000 | 4,202 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $44,000 | 5,289 |
| Total noninterest expense | $1,259,000 | 3,563 |
| Salaries and employee benefits | $660,000 | 3,703 |
| Premises and equipment expense | $185,000 | 3,427 |
| Additional noninterest expense | $414,000 | 3,210 |
| Pre-tax net operating income | $1,002,000 | 1,783 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $1,002,000 | 1,494 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,002,000 | 1,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 2,428 |
| Cash dividends | $845,000 | 879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,002,000 | 1,436 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,280,000 | 2,630 |
| Total interest expense | $6,613,000 | 2,765 |
| Net interest income | $8,667,000 | 2,541 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $694,000 | 4,323 |
| Gross Fiduciary activities income | $192,000 | 812 |
| Service charges on deposit accounts | $301,000 | 4,067 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $201,000 | 5,045 |
| Total noninterest expense | $4,501,000 | 3,752 |
| Salaries and employee benefits | $2,539,000 | 3,678 |
| Premises and equipment expense | $649,000 | 3,639 |
| Additional noninterest expense | $1,313,000 | 3,816 |
| Pre-tax net operating income | $4,830,000 | 1,699 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $4,830,000 | 1,325 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,830,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,921 |
| Cash dividends | $3,505,000 | 1,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,830,000 | 1,314 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,554,000 | 2,614 |
| Total interest expense | $4,950,000 | 2,763 |
| Net interest income | $6,604,000 | 2,517 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $498,000 | 4,429 |
| Gross Fiduciary activities income | $139,000 | 814 |
| Service charges on deposit accounts | $222,000 | 4,108 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $137,000 | 5,258 |
| Total noninterest expense | $3,488,000 | 3,635 |
| Salaries and employee benefits | $1,869,000 | 3,724 |
| Premises and equipment expense | $567,000 | 3,218 |
| Additional noninterest expense | $1,052,000 | 3,560 |
| Pre-tax net operating income | $3,479,000 | 1,861 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $3,479,000 | 1,467 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,479,000 | 1,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,136 |
| Cash dividends | $2,705,000 | 948 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,479,000 | 1,458 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,585,000 | 2,669 |
| Total interest expense | $3,184,000 | 2,851 |
| Net interest income | $4,401,000 | 2,538 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $319,000 | 4,530 |
| Gross Fiduciary activities income | $90,000 | 833 |
| Service charges on deposit accounts | $148,000 | 4,113 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $81,000 | 5,499 |
| Total noninterest expense | $2,346,000 | 3,640 |
| Salaries and employee benefits | $1,256,000 | 3,729 |
| Premises and equipment expense | $377,000 | 3,235 |
| Additional noninterest expense | $713,000 | 3,511 |
| Pre-tax net operating income | $2,284,000 | 1,934 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,284,000 | 1,536 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,284,000 | 1,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,997 |
| Cash dividends | $1,905,000 | 937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,284,000 | 1,517 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,759,000 | 2,687 |
| Total interest expense | $1,559,000 | 2,886 |
| Net interest income | $2,200,000 | 2,541 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $159,000 | 4,494 |
| Gross Fiduciary activities income | $44,000 | 841 |
| Service charges on deposit accounts | $73,000 | 4,079 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $42,000 | 5,429 |
| Total noninterest expense | $1,189,000 | 3,595 |
| Salaries and employee benefits | $628,000 | 3,760 |
| Premises and equipment expense | $188,000 | 3,268 |
| Additional noninterest expense | $373,000 | 3,363 |
| Pre-tax net operating income | $1,125,000 | 1,971 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,125,000 | 1,535 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,125,000 | 1,536 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $1,055,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,125,000 | 1,525 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,889,000 | 2,710 |
| Total interest expense | $5,191,000 | 2,943 |
| Net interest income | $8,698,000 | 2,597 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $715,000 | 4,312 |
| Gross Fiduciary activities income | $198,000 | 802 |
| Service charges on deposit accounts | $373,000 | 3,671 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $144,000 | 5,694 |
| Total noninterest expense | $4,225,000 | 3,825 |
| Salaries and employee benefits | $2,141,000 | 4,070 |
| Premises and equipment expense | $608,000 | 3,730 |
| Additional noninterest expense | $1,476,000 | 3,326 |
| Pre-tax net operating income | $5,008,000 | 1,877 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $5,008,000 | 1,457 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,008,000 | 1,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,385 |
| Cash dividends | $3,400,000 | 1,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,008,000 | 1,439 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,161,000 | 2,758 |
| Total interest expense | $3,716,000 | 2,971 |
| Net interest income | $6,445,000 | 2,638 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $517,000 | 4,392 |
| Gross Fiduciary activities income | $124,000 | 831 |
| Service charges on deposit accounts | $282,000 | 3,688 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $111,000 | 5,644 |
| Total noninterest expense | $3,163,000 | 3,819 |
| Salaries and employee benefits | $1,787,000 | 3,747 |
| Premises and equipment expense | $446,000 | 3,804 |
| Additional noninterest expense | $930,000 | 3,828 |
| Pre-tax net operating income | $3,664,000 | 1,983 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $3,664,000 | 1,528 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,664,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $2,600,000 | 925 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,664,000 | 1,507 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,555,000 | 2,802 |
| Total interest expense | $2,331,000 | 3,005 |
| Net interest income | $4,224,000 | 2,678 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $338,000 | 4,438 |
| Gross Fiduciary activities income | $85,000 | 841 |
| Service charges on deposit accounts | $177,000 | 3,795 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $76,000 | 5,653 |
| Total noninterest expense | $2,091,000 | 3,870 |
| Salaries and employee benefits | $1,177,000 | 3,795 |
| Premises and equipment expense | $296,000 | 3,809 |
| Additional noninterest expense | $618,000 | 3,826 |
| Pre-tax net operating income | $2,381,000 | 2,035 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $2,381,000 | 1,546 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,381,000 | 1,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,447 |
| Cash dividends | $1,600,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,381,000 | 1,531 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,192,000 | 2,821 |
| Total interest expense | $1,101,000 | 3,021 |
| Net interest income | $2,091,000 | 2,686 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $167,000 | 4,384 |
| Gross Fiduciary activities income | $44,000 | 837 |
| Service charges on deposit accounts | $86,000 | 3,787 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $37,000 | 5,687 |
| Total noninterest expense | $1,054,000 | 3,846 |
| Salaries and employee benefits | $597,000 | 3,781 |
| Premises and equipment expense | $146,000 | 3,863 |
| Additional noninterest expense | $311,000 | 3,801 |
| Pre-tax net operating income | $1,159,000 | 2,039 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $1,159,000 | 1,563 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,159,000 | 1,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $800,000 | 899 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,159,000 | 1,547 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,199,000 | 2,866 |
| Total interest expense | $3,307,000 | 3,080 |
| Net interest income | $7,892,000 | 2,735 |
| Provision for loan and lease losses | $240,000 | 3,239 |
| Total noninterest income | $697,000 | 4,390 |
| Gross Fiduciary activities income | $173,000 | 839 |
| Service charges on deposit accounts | $391,000 | 3,605 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $133,000 | 5,931 |
| Total noninterest expense | $4,076,000 | 3,814 |
| Salaries and employee benefits | $2,410,000 | 3,589 |
| Premises and equipment expense | $558,000 | 3,871 |
| Additional noninterest expense | $1,108,000 | 4,094 |
| Pre-tax net operating income | $4,273,000 | 2,120 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $4,273,000 | 1,642 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,273,000 | 1,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $2,640,000 | 1,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,273,000 | 1,618 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,122,000 | 2,893 |
| Total interest expense | $2,308,000 | 3,123 |
| Net interest income | $5,814,000 | 2,765 |
| Provision for loan and lease losses | $180,000 | 3,127 |
| Total noninterest income | $528,000 | 4,390 |
| Gross Fiduciary activities income | $133,000 | 813 |
| Service charges on deposit accounts | $292,000 | 3,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $103,000 | 5,896 |
| Total noninterest expense | $3,040,000 | 3,805 |
| Salaries and employee benefits | $1,679,000 | 3,774 |
| Premises and equipment expense | $415,000 | 3,864 |
| Additional noninterest expense | $946,000 | 3,665 |
| Pre-tax net operating income | $3,122,000 | 2,167 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $3,122,000 | 1,689 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,122,000 | 1,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $2,290,000 | 947 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,122,000 | 1,657 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,211,000 | 2,929 |
| Total interest expense | $1,433,000 | 3,163 |
| Net interest income | $3,778,000 | 2,792 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $354,000 | 4,335 |
| Gross Fiduciary activities income | $80,000 | 848 |
| Service charges on deposit accounts | $200,000 | 3,514 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $74,000 | 5,767 |
| Total noninterest expense | $2,018,000 | 3,786 |
| Salaries and employee benefits | $1,116,000 | 3,768 |
| Premises and equipment expense | $275,000 | 3,871 |
| Additional noninterest expense | $627,000 | 3,667 |
| Pre-tax net operating income | $1,994,000 | 2,196 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,994,000 | 1,720 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,994,000 | 1,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $1,590,000 | 891 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,994,000 | 1,692 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 2,995 |
| Total interest expense | $660,000 | 3,260 |
| Net interest income | $1,838,000 | 2,864 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $170,000 | 4,385 |
| Gross Fiduciary activities income | $39,000 | 856 |
| Service charges on deposit accounts | $90,000 | 3,686 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $41,000 | 5,596 |
| Total noninterest expense | $1,010,000 | 3,814 |
| Salaries and employee benefits | $559,000 | 3,767 |
| Premises and equipment expense | $136,000 | 3,941 |
| Additional noninterest expense | $315,000 | 3,652 |
| Pre-tax net operating income | $938,000 | 2,281 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $938,000 | 1,804 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $938,000 | 1,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $938,000 | 1,759 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,465,000 | 2,973 |
| Total interest expense | $2,578,000 | 2,972 |
| Net interest income | $6,887,000 | 2,928 |
| Provision for loan and lease losses | $420,000 | 2,272 |
| Total noninterest income | $1,086,000 | 3,348 |
| Gross Fiduciary activities income | $134,000 | 876 |
| Service charges on deposit accounts | $405,000 | 3,617 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $547,000 | 3,140 |
| Total noninterest expense | $3,650,000 | 4,038 |
| Salaries and employee benefits | $2,131,000 | 3,780 |
| Premises and equipment expense | $495,000 | 4,128 |
| Additional noninterest expense | $1,024,000 | 4,255 |
| Pre-tax net operating income | $3,903,000 | 2,104 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $3,903,000 | 1,653 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,903,000 | 1,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $4,761,000 | 655 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,903,000 | 1,606 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,975,000 | 2,980 |
| Total interest expense | $1,929,000 | 2,926 |
| Net interest income | $5,046,000 | 2,973 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $895,000 | 3,155 |
| Gross Fiduciary activities income | $91,000 | 897 |
| Service charges on deposit accounts | $306,000 | 3,615 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $498,000 | 2,815 |
| Total noninterest expense | $3,057,000 | 3,664 |
| Salaries and employee benefits | $1,607,000 | 3,750 |
| Premises and equipment expense | $438,000 | 3,616 |
| Additional noninterest expense | $1,012,000 | 3,391 |
| Pre-tax net operating income | $2,569,000 | 2,326 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $2,569,000 | 1,858 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,569,000 | 1,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,778 |
| Cash dividends | $3,961,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,569,000 | 1,813 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,675,000 | 2,959 |
| Total interest expense | $1,296,000 | 2,896 |
| Net interest income | $3,379,000 | 2,958 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $352,000 | 4,411 |
| Gross Fiduciary activities income | $64,000 | 892 |
| Service charges on deposit accounts | $201,000 | 3,639 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $87,000 | 5,445 |
| Total noninterest expense | $2,040,000 | 3,677 |
| Salaries and employee benefits | $1,078,000 | 3,757 |
| Premises and equipment expense | $292,000 | 3,633 |
| Additional noninterest expense | $670,000 | 3,426 |
| Pre-tax net operating income | $1,481,000 | 2,615 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,481,000 | 2,091 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,481,000 | 2,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,183 |
| Cash dividends | $3,261,000 | 459 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,481,000 | 2,034 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,273,000 | 3,044 |
| Total interest expense | $655,000 | 2,914 |
| Net interest income | $1,618,000 | 3,060 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $170,000 | 4,459 |
| Gross Fiduciary activities income | $27,000 | 942 |
| Service charges on deposit accounts | $101,000 | 3,555 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $42,000 | 5,474 |
| Total noninterest expense | $1,016,000 | 3,708 |
| Salaries and employee benefits | $538,000 | 3,784 |
| Premises and equipment expense | $145,000 | 3,675 |
| Additional noninterest expense | $333,000 | 3,437 |
| Pre-tax net operating income | $667,000 | 2,810 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $667,000 | 2,273 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $667,000 | 2,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $462,000 | 1,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $667,000 | 2,189 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,198,000 | 3,053 |
| Total interest expense | $3,032,000 | 2,838 |
| Net interest income | $6,166,000 | 3,108 |
| Provision for loan and lease losses | $245,000 | 3,582 |
| Total noninterest income | $851,000 | 4,080 |
| Gross Fiduciary activities income | $73,000 | 1,016 |
| Service charges on deposit accounts | $405,000 | 3,617 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $373,000 | 4,098 |
| Total noninterest expense | $3,930,000 | 3,765 |
| Salaries and employee benefits | $2,150,000 | 3,697 |
| Premises and equipment expense | $579,000 | 3,631 |
| Additional noninterest expense | $1,201,000 | 3,719 |
| Pre-tax net operating income | $2,842,000 | 2,622 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,842,000 | 2,138 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,842,000 | 2,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,809 |
| Cash dividends | $2,008,000 | 1,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,842,000 | 2,046 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,899,000 | 3,096 |
| Total interest expense | $2,340,000 | 2,853 |
| Net interest income | $4,559,000 | 3,156 |
| Provision for loan and lease losses | $140,000 | 4,015 |
| Total noninterest income | $680,000 | 4,005 |
| Gross Fiduciary activities income | $56,000 | 1,016 |
| Service charges on deposit accounts | $305,000 | 3,622 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $319,000 | 3,935 |
| Total noninterest expense | $2,988,000 | 3,721 |
| Salaries and employee benefits | $1,545,000 | 3,818 |
| Premises and equipment expense | $442,000 | 3,575 |
| Additional noninterest expense | $1,001,000 | 3,393 |
| Pre-tax net operating income | $2,111,000 | 2,732 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,111,000 | 2,214 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,111,000 | 2,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $1,928,000 | 1,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,111,000 | 2,100 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,556,000 | 3,135 |
| Total interest expense | $1,618,000 | 2,845 |
| Net interest income | $2,938,000 | 3,250 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $450,000 | 3,983 |
| Gross Fiduciary activities income | $40,000 | 1,006 |
| Service charges on deposit accounts | $198,000 | 3,654 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $212,000 | 3,938 |
| Total noninterest expense | $2,011,000 | 3,684 |
| Salaries and employee benefits | $1,036,000 | 3,801 |
| Premises and equipment expense | $293,000 | 3,567 |
| Additional noninterest expense | $682,000 | 3,307 |
| Pre-tax net operating income | $1,317,000 | 2,879 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,317,000 | 2,356 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,317,000 | 2,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $1,389,000 | 1,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,317,000 | 2,231 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,253,000 | 3,183 |
| Total interest expense | $842,000 | 2,805 |
| Net interest income | $1,411,000 | 3,339 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $230,000 | 3,823 |
| Gross Fiduciary activities income | $20,000 | 1,017 |
| Service charges on deposit accounts | $99,000 | 3,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $111,000 | 3,746 |
| Total noninterest expense | $1,007,000 | 3,640 |
| Salaries and employee benefits | $519,000 | 3,791 |
| Premises and equipment expense | $147,000 | 3,538 |
| Additional noninterest expense | $341,000 | 3,269 |
| Pre-tax net operating income | $604,000 | 3,064 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $604,000 | 2,531 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $604,000 | 2,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $1,000,000 | 674 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $604,000 | 2,391 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,213,000 | 3,237 |
| Total interest expense | $4,021,000 | 2,734 |
| Net interest income | $5,192,000 | 3,549 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $2,107,000 | 2,045 |
| Gross Fiduciary activities income | $101,000 | 993 |
| Service charges on deposit accounts | $372,000 | 3,704 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,634,000 | 1,543 |
| Total noninterest expense | $3,668,000 | 3,803 |
| Salaries and employee benefits | $2,128,000 | 3,556 |
| Premises and equipment expense | $518,000 | 3,835 |
| Additional noninterest expense | $1,022,000 | 4,107 |
| Pre-tax net operating income | $3,391,000 | 2,264 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $3,391,000 | 1,765 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,391,000 | 1,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,898 |
| Cash dividends | $1,006,000 | 2,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,391,000 | 1,713 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $10,368,000 | 3,209 |
| Total interest expense | $5,605,000 | 2,833 |
| Net interest income | $4,763,000 | 3,581 |
| Provision for loan and lease losses | $140,000 | 4,923 |
| Total noninterest income | $777,000 | 3,936 |
| Gross Fiduciary activities income | $90,000 | 1,022 |
| Service charges on deposit accounts | $398,000 | 3,412 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $289,000 | 4,198 |
| Total noninterest expense | $3,533,000 | 3,794 |
| Salaries and employee benefits | $1,903,000 | 3,736 |
| Premises and equipment expense | $404,000 | 4,573 |
| Additional noninterest expense | $1,226,000 | 3,430 |
| Pre-tax net operating income | $1,867,000 | 3,339 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,867,000 | 2,698 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,867,000 | 2,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,026 |
| Cash dividends | $1,009,000 | 2,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,867,000 | 2,612 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,683,000 | 3,494 |
| Total interest expense | $4,891,000 | 3,387 |
| Net interest income | $4,792,000 | 3,608 |
| Provision for loan and lease losses | $223,000 | 3,509 |
| Total noninterest income | $502,000 | 4,910 |
| Gross Fiduciary activities income | $87,000 | 969 |
| Service charges on deposit accounts | $319,000 | 3,872 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $96,000 | 6,526 |
| Total noninterest expense | $3,284,000 | 3,928 |
| Salaries and employee benefits | $1,760,000 | 3,845 |
| Premises and equipment expense | $457,000 | 4,082 |
| Additional noninterest expense | $1,067,000 | 3,796 |
| Pre-tax net operating income | $1,787,000 | 3,588 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,787,000 | 2,814 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,787,000 | 2,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $902,000 | 2,458 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,787,000 | 2,808 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,141,000 | 3,846 |
| Total interest expense | $4,044,000 | 3,557 |
| Net interest income | $4,097,000 | 4,092 |
| Provision for loan and lease losses | $155,000 | 4,177 |
| Total noninterest income | $577,000 | 4,545 |
| Gross Fiduciary activities income | $70,000 | 1,048 |
| Service charges on deposit accounts | $264,000 | 4,365 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $243,000 | 4,494 |
| Total noninterest expense | $3,130,000 | 4,074 |
| Salaries and employee benefits | $1,520,000 | 4,291 |
| Premises and equipment expense | $447,000 | 4,152 |
| Additional noninterest expense | $1,163,000 | 3,536 |
| Pre-tax net operating income | $1,389,000 | 4,318 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,389,000 | 3,442 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,389,000 | 3,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,087 |
| Cash dividends | $674,000 | 2,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,389,000 | 3,407 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,076,000 | 3,906 |
| Total interest expense | $4,007,000 | 3,682 |
| Net interest income | $4,069,000 | 4,060 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $443,000 | 5,305 |
| Gross Fiduciary activities income | $64,000 | 1,076 |
| Service charges on deposit accounts | $248,000 | 4,520 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $131,000 | 5,996 |
| Total noninterest expense | $2,797,000 | 4,381 |
| Salaries and employee benefits | $1,537,000 | 4,163 |
| Premises and equipment expense | $420,000 | 4,257 |
| Additional noninterest expense | $840,000 | 4,517 |
| Pre-tax net operating income | $1,655,000 | 3,889 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,655,000 | 3,001 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,655,000 | 3,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 9,741 |
| Cash dividends | $1,440,000 | 1,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,655,000 | 2,917 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,542,000 | 4,207 |
| Total interest expense | $3,437,000 | 4,201 |
| Net interest income | $4,105,000 | 4,150 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $518,000 | 4,893 |
| Gross Fiduciary activities income | $65,000 | 1,125 |
| Service charges on deposit accounts | $268,000 | 4,427 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $185,000 | 5,144 |
| Total noninterest expense | $2,666,000 | 4,528 |
| Salaries and employee benefits | $1,320,000 | 4,725 |
| Premises and equipment expense | $488,000 | 3,787 |
| Additional noninterest expense | $858,000 | 4,490 |
| Pre-tax net operating income | $1,932,000 | 3,662 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-125,000 | 10,734 |
| Income before extraordinary items | $2,057,000 | 2,520 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,057,000 | 2,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-105,000 | 10,718 |
| Cash dividends | $2,026,000 | 1,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,057,000 | 2,469 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,271,000 | 4,417 |
| Total interest expense | $3,236,000 | 4,471 |
| Net interest income | $4,035,000 | 4,286 |
| Provision for loan and lease losses | $65,000 | 5,977 |
| Total noninterest income | $466,000 | 5,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,320 |
| Total noninterest expense | $2,706,000 | 4,698 |
| Salaries and employee benefits | $1,448,000 | 4,459 |
| Premises and equipment expense | $390,000 | 4,633 |
| Additional noninterest expense | $868,000 | 4,885 |
| Pre-tax net operating income | $1,730,000 | 3,848 |
| Securities gains (losses) | $174,000 | 742 |
| Applicable income taxes | $632,000 | 3,431 |
| Income before extraordinary items | $1,272,000 | 3,685 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,272,000 | 3,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 1,282 |
| Cash dividends | $900,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,155,420 | 3,945 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,868,000 | 4,643 |
| Total interest expense | $2,801,000 | 5,056 |
| Net interest income | $4,067,000 | 4,250 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $527,000 | 4,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,434 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,622 |
| Total noninterest expense | $2,428,000 | 5,126 |
| Salaries and employee benefits | $1,259,000 | 5,003 |
| Premises and equipment expense | $241,000 | 6,490 |
| Additional noninterest expense | $928,000 | 4,641 |
| Pre-tax net operating income | $2,166,000 | 3,257 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $722,000 | 3,155 |
| Income before extraordinary items | $1,444,000 | 3,358 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,444,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 11,529 |
| Cash dividends | $1,500,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,444,000 | 3,328 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,581,000 | 4,479 |
| Total interest expense | $2,340,000 | 4,913 |
| Net interest income | $4,241,000 | 4,153 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $581,000 | 4,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $284,000 | 4,253 |
| Total noninterest expense | $2,845,000 | 4,618 |
| Salaries and employee benefits | $1,332,000 | 4,777 |
| Premises and equipment expense | $351,000 | 5,073 |
| Additional noninterest expense | $1,162,000 | 4,174 |
| Pre-tax net operating income | $1,947,000 | 3,508 |
| Securities gains (losses) | $-56,000 | 11,122 |
| Applicable income taxes | $635,000 | 3,347 |
| Income before extraordinary items | $1,256,000 | 3,695 |
| Extraordinary gains, net | $206,000 | 64 |
| Net income | $1,462,000 | 3,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,562 |
| Cash dividends | $955,000 | 2,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,292,960 | 3,644 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,314,000 | 4,737 |
| Total interest expense | $2,331,000 | 5,105 |
| Net interest income | $3,983,000 | 4,422 |
| Provision for loan and lease losses | $48,000 | 7,582 |
| Total noninterest income | $616,000 | 4,871 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $314,000 | 4,341 |
| Total noninterest expense | $3,209,000 | 4,253 |
| Salaries and employee benefits | $1,535,000 | 4,185 |
| Premises and equipment expense | $344,000 | 5,303 |
| Additional noninterest expense | $1,330,000 | 3,863 |
| Pre-tax net operating income | $1,342,000 | 4,754 |
| Securities gains (losses) | $-11,000 | 12,798 |
| Applicable income taxes | $408,000 | 4,936 |
| Income before extraordinary items | $923,000 | 4,996 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $923,000 | 5,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,724 |
| Cash dividends | $775,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $930,590 | 4,737 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,614,000 | 4,480 |
| Total interest expense | $2,981,000 | 5,191 |
| Net interest income | $4,633,000 | 3,892 |
| Provision for loan and lease losses | $100,000 | 7,236 |
| Total noninterest income | $456,000 | 6,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $245,000 | 5,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $211,000 | 5,489 |
| Total noninterest expense | $3,348,000 | 4,097 |
| Salaries and employee benefits | $1,877,000 | 3,398 |
| Premises and equipment expense | $326,000 | 5,645 |
| Additional noninterest expense | $1,145,000 | 4,533 |
| Pre-tax net operating income | $1,641,000 | 3,729 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $456,000 | 4,314 |
| Income before extraordinary items | $1,185,000 | 3,852 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,185,000 | 3,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 7,424 |
| Cash dividends | $643,000 | 2,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,185,000 | 3,572 |
* 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.