Home > White Hall Bank > Income and Expense
White Hall Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,844,000 | 5,932 |
| Total interest expense | $443,000 | 4,915 |
| Net interest income | $1,401,000 | 6,071 |
| Provision for loan and lease losses | $100,000 | 4,329 |
| Total noninterest income | $145,000 | 5,809 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $103,000 | 4,999 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $42,000 | 5,885 |
| Total noninterest expense | $950,000 | 6,389 |
| Salaries and employee benefits | $491,000 | 6,413 |
| Premises and equipment expense | $104,000 | 6,290 |
| Additional noninterest expense | $355,000 | 6,195 |
| Pre-tax net operating income | $496,000 | 4,724 |
| Securities gains (losses) | $105,000 | 1,935 |
| Applicable income taxes | $4,000 | 4,560 |
| Income before extraordinary items | $597,000 | 4,376 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $597,000 | 4,375 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $597,000 | 4,374 |
| Net charge-offs | $26,000 | 4,936 |
| Cash dividends | $360,000 | 2,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $493,050 | 4,486 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,260,000 | 5,942 |
| Total interest expense | $299,000 | 4,986 |
| Net interest income | $961,000 | 6,053 |
| Provision for loan and lease losses | $75,000 | 4,155 |
| Total noninterest income | $99,000 | 5,798 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $69,000 | 4,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $30,000 | 5,887 |
| Total noninterest expense | $627,000 | 6,457 |
| Salaries and employee benefits | $325,000 | 6,476 |
| Premises and equipment expense | $58,000 | 6,511 |
| Additional noninterest expense | $244,000 | 6,203 |
| Pre-tax net operating income | $358,000 | 4,603 |
| Securities gains (losses) | $7,000 | 2,812 |
| Applicable income taxes | $4,000 | 4,475 |
| Income before extraordinary items | $361,000 | 4,526 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $361,000 | 4,530 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $361,000 | 4,530 |
| Net charge-offs | $26,000 | 4,477 |
| Cash dividends | $220,000 | 2,435 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $354,070 | 4,374 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $640,000 | 5,962 |
| Total interest expense | $148,000 | 5,125 |
| Net interest income | $492,000 | 6,065 |
| Provision for loan and lease losses | $25,000 | 4,328 |
| Total noninterest income | $109,000 | 4,807 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $32,000 | 5,116 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $77,000 | 4,070 |
| Total noninterest expense | $329,000 | 6,459 |
| Salaries and employee benefits | $164,000 | 6,515 |
| Premises and equipment expense | $31,000 | 6,472 |
| Additional noninterest expense | $134,000 | 6,114 |
| Pre-tax net operating income | $247,000 | 4,189 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $3,000 | 4,405 |
| Income before extraordinary items | $244,000 | 4,026 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $244,000 | 4,028 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $244,000 | 4,028 |
| Net charge-offs | $26,000 | 3,512 |
| Cash dividends | $120,000 | 1,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $244,000 | 3,872 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,382,000 | 6,184 |
| Total interest expense | $616,000 | 5,461 |
| Net interest income | $1,766,000 | 6,293 |
| Provision for loan and lease losses | $300,000 | 4,096 |
| Total noninterest income | $105,000 | 6,382 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $4,000 | 6,920 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $101,000 | 5,298 |
| Total noninterest expense | $1,393,000 | 6,431 |
| Salaries and employee benefits | $729,000 | 6,427 |
| Premises and equipment expense | $168,000 | 6,273 |
| Additional noninterest expense | $496,000 | 6,296 |
| Pre-tax net operating income | $178,000 | 5,562 |
| Securities gains (losses) | $92,000 | 2,140 |
| Applicable income taxes | $1,000 | 4,639 |
| Income before extraordinary items | $269,000 | 5,348 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $269,000 | 5,350 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $269,000 | 5,350 |
| Net charge-offs | $270,000 | 3,923 |
| Cash dividends | $90,000 | 3,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $177,000 | 5,515 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,786,000 | 6,247 |
| Total interest expense | $465,000 | 5,576 |
| Net interest income | $1,321,000 | 6,348 |
| Provision for loan and lease losses | $225,000 | 3,970 |
| Total noninterest income | $58,000 | 6,692 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $3,000 | 6,976 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $55,000 | 5,695 |
| Total noninterest expense | $1,034,000 | 6,486 |
| Salaries and employee benefits | $537,000 | 6,467 |
| Premises and equipment expense | $120,000 | 6,372 |
| Additional noninterest expense | $377,000 | 6,314 |
| Pre-tax net operating income | $120,000 | 5,733 |
| Securities gains (losses) | $92,000 | 1,863 |
| Applicable income taxes | $1,000 | 4,642 |
| Income before extraordinary items | $211,000 | 5,451 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,451 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $211,000 | 5,451 |
| Net charge-offs | $153,000 | 3,992 |
| Cash dividends | $90,000 | 3,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $119,000 | 5,689 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,188,000 | 6,305 |
| Total interest expense | $316,000 | 5,644 |
| Net interest income | $872,000 | 6,406 |
| Provision for loan and lease losses | $150,000 | 3,873 |
| Total noninterest income | $15,000 | 7,072 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $2,000 | 7,019 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 6,489 |
| Total noninterest expense | $660,000 | 6,592 |
| Salaries and employee benefits | $369,000 | 6,475 |
| Premises and equipment expense | $75,000 | 6,508 |
| Additional noninterest expense | $216,000 | 6,585 |
| Pre-tax net operating income | $77,000 | 5,805 |
| Securities gains (losses) | $92,000 | 1,200 |
| Applicable income taxes | $1,000 | 4,573 |
| Income before extraordinary items | $168,000 | 5,239 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $168,000 | 5,238 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $168,000 | 5,239 |
| Net charge-offs | $-3,000 | 6,756 |
| Cash dividends | $90,000 | 2,857 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $76,920 | 5,767 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $597,000 | 6,322 |
| Total interest expense | $159,000 | 5,734 |
| Net interest income | $438,000 | 6,427 |
| Provision for loan and lease losses | $75,000 | 3,668 |
| Total noninterest income | $28,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $2,000 | 6,969 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $26,000 | 5,544 |
| Total noninterest expense | $330,000 | 6,659 |
| Salaries and employee benefits | $180,000 | 6,558 |
| Premises and equipment expense | $38,000 | 6,532 |
| Additional noninterest expense | $112,000 | 6,593 |
| Pre-tax net operating income | $61,000 | 5,604 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $61,000 | 5,536 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $61,000 | 5,534 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $61,000 | 5,535 |
| Net charge-offs | $-2,000 | 6,441 |
| Cash dividends | $90,000 | 1,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $61,000 | 5,487 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 6,464 |
| Total interest expense | $694,000 | 5,990 |
| Net interest income | $1,674,000 | 6,557 |
| Provision for loan and lease losses | $300,000 | 4,839 |
| Total noninterest income | $244,000 | 5,699 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $158,000 | 4,820 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $86,000 | 5,610 |
| Total noninterest expense | $1,262,000 | 6,788 |
| Salaries and employee benefits | $660,000 | 6,777 |
| Premises and equipment expense | $165,000 | 6,508 |
| Additional noninterest expense | $437,000 | 6,696 |
| Pre-tax net operating income | $356,000 | 4,744 |
| Securities gains (losses) | $93,000 | 2,225 |
| Applicable income taxes | $2,000 | 4,467 |
| Income before extraordinary items | $447,000 | 4,475 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $447,000 | 4,475 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $447,000 | 4,475 |
| Net charge-offs | $377,000 | 4,002 |
| Cash dividends | $360,000 | 2,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $354,000 | 4,624 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,798,000 | 6,548 |
| Total interest expense | $527,000 | 6,107 |
| Net interest income | $1,271,000 | 6,622 |
| Provision for loan and lease losses | $225,000 | 4,711 |
| Total noninterest income | $185,000 | 5,796 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $102,000 | 5,153 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $83,000 | 5,436 |
| Total noninterest expense | $880,000 | 6,965 |
| Salaries and employee benefits | $470,000 | 6,916 |
| Premises and equipment expense | $116,000 | 6,670 |
| Additional noninterest expense | $294,000 | 6,881 |
| Pre-tax net operating income | $351,000 | 4,672 |
| Securities gains (losses) | $94,000 | 1,991 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $444,000 | 4,326 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $444,000 | 4,327 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $444,000 | 4,327 |
| Net charge-offs | $252,000 | 3,947 |
| Cash dividends | $180,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $350,000 | 4,465 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,183,000 | 6,608 |
| Total interest expense | $354,000 | 6,182 |
| Net interest income | $829,000 | 6,692 |
| Provision for loan and lease losses | $150,000 | 4,587 |
| Total noninterest income | $120,000 | 5,831 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $72,000 | 5,061 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $48,000 | 5,636 |
| Total noninterest expense | $576,000 | 7,042 |
| Salaries and employee benefits | $308,000 | 6,987 |
| Premises and equipment expense | $70,000 | 6,839 |
| Additional noninterest expense | $198,000 | 6,923 |
| Pre-tax net operating income | $223,000 | 4,800 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $222,000 | 4,746 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $222,000 | 4,746 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $222,000 | 4,746 |
| Net charge-offs | $193,000 | 3,586 |
| Cash dividends | $90,000 | 2,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $222,000 | 4,603 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $596,000 | 6,688 |
| Total interest expense | $180,000 | 6,280 |
| Net interest income | $416,000 | 6,754 |
| Provision for loan and lease losses | $75,000 | 4,293 |
| Total noninterest income | $74,000 | 5,551 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $30,000 | 5,359 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $44,000 | 4,900 |
| Total noninterest expense | $263,000 | 7,236 |
| Salaries and employee benefits | $154,000 | 7,074 |
| Premises and equipment expense | $34,000 | 6,958 |
| Additional noninterest expense | $75,000 | 7,340 |
| Pre-tax net operating income | $152,000 | 4,536 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $152,000 | 4,358 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $152,000 | 4,359 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $152,000 | 4,357 |
| Net charge-offs | $132,000 | 2,858 |
| Cash dividends | $90,000 | 1,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $152,000 | 4,245 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,399,000 | 6,758 |
| Total interest expense | $793,000 | 6,492 |
| Net interest income | $1,606,000 | 6,767 |
| Provision for loan and lease losses | $316,000 | 5,194 |
| Total noninterest income | $198,000 | 6,246 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $144,000 | 5,222 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $54,000 | 6,288 |
| Total noninterest expense | $1,223,000 | 7,117 |
| Salaries and employee benefits | $641,000 | 7,108 |
| Premises and equipment expense | $172,000 | 6,734 |
| Additional noninterest expense | $410,000 | 7,069 |
| Pre-tax net operating income | $265,000 | 4,618 |
| Securities gains (losses) | $-5,000 | 6,952 |
| Applicable income taxes | $11,000 | 3,858 |
| Income before extraordinary items | $249,000 | 4,639 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $249,000 | 4,639 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $249,000 | 4,639 |
| Net charge-offs | $217,000 | 4,897 |
| Cash dividends | $280,000 | 3,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $253,800 | 4,554 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,808,000 | 6,838 |
| Total interest expense | $603,000 | 6,597 |
| Net interest income | $1,205,000 | 6,810 |
| Provision for loan and lease losses | $230,000 | 4,952 |
| Total noninterest income | $153,000 | 6,307 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $109,000 | 5,250 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $44,000 | 6,345 |
| Total noninterest expense | $883,000 | 7,218 |
| Salaries and employee benefits | $458,000 | 7,223 |
| Premises and equipment expense | $117,000 | 6,923 |
| Additional noninterest expense | $308,000 | 7,092 |
| Pre-tax net operating income | $245,000 | 4,742 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $11,000 | 4,016 |
| Income before extraordinary items | $234,000 | 4,700 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $234,000 | 4,697 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $234,000 | 4,700 |
| Net charge-offs | $-38,000 | 7,998 |
| Cash dividends | $210,000 | 3,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $234,000 | 4,636 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,193,000 | 6,923 |
| Total interest expense | $402,000 | 6,708 |
| Net interest income | $791,000 | 6,864 |
| Provision for loan and lease losses | $155,000 | 4,696 |
| Total noninterest income | $104,000 | 6,328 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $69,000 | 5,320 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $35,000 | 6,236 |
| Total noninterest expense | $579,000 | 7,310 |
| Salaries and employee benefits | $305,000 | 7,302 |
| Premises and equipment expense | $71,000 | 7,112 |
| Additional noninterest expense | $203,000 | 7,152 |
| Pre-tax net operating income | $161,000 | 4,878 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $10,000 | 4,008 |
| Income before extraordinary items | $151,000 | 4,865 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $151,000 | 4,861 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $151,000 | 4,862 |
| Net charge-offs | $-6,000 | 7,819 |
| Cash dividends | $140,000 | 3,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $151,000 | 4,772 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $590,000 | 6,996 |
| Total interest expense | $197,000 | 6,834 |
| Net interest income | $393,000 | 6,899 |
| Provision for loan and lease losses | $80,000 | 4,216 |
| Total noninterest income | $37,000 | 6,760 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $29,000 | 5,556 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $8,000 | 7,040 |
| Total noninterest expense | $265,000 | 7,450 |
| Salaries and employee benefits | $146,000 | 7,406 |
| Premises and equipment expense | $35,000 | 7,168 |
| Additional noninterest expense | $84,000 | 7,333 |
| Pre-tax net operating income | $85,000 | 5,196 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $9,000 | 4,029 |
| Income before extraordinary items | $76,000 | 5,298 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $76,000 | 5,303 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $76,000 | 5,302 |
| Net charge-offs | $1,000 | 5,564 |
| Cash dividends | $70,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $76,000 | 5,123 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,637,000 | 6,869 |
| Total interest expense | $1,018,000 | 6,751 |
| Net interest income | $1,619,000 | 6,854 |
| Provision for loan and lease losses | $356,000 | 4,336 |
| Total noninterest income | $195,000 | 6,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $160,000 | 5,191 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $35,000 | 7,078 |
| Total noninterest expense | $1,113,000 | 7,391 |
| Salaries and employee benefits | $610,000 | 7,381 |
| Premises and equipment expense | $168,000 | 6,974 |
| Additional noninterest expense | $335,000 | 7,299 |
| Pre-tax net operating income | $345,000 | 5,302 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $345,000 | 4,941 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $345,000 | 4,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $265,000 | 3,713 |
| Cash dividends | $220,000 | 4,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $345,000 | 5,103 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,997,000 | 6,916 |
| Total interest expense | $791,000 | 6,799 |
| Net interest income | $1,206,000 | 6,925 |
| Provision for loan and lease losses | $225,000 | 4,003 |
| Total noninterest income | $138,000 | 6,710 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $104,000 | 5,476 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $34,000 | 6,988 |
| Total noninterest expense | $792,000 | 7,482 |
| Salaries and employee benefits | $437,000 | 7,488 |
| Premises and equipment expense | $118,000 | 7,132 |
| Additional noninterest expense | $237,000 | 7,395 |
| Pre-tax net operating income | $327,000 | 5,547 |
| Securities gains (losses) | $11,000 | 2,331 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $338,000 | 5,048 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $338,000 | 5,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,452 |
| Cash dividends | $100,000 | 4,390 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $327,000 | 5,268 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,336,000 | 6,984 |
| Total interest expense | $546,000 | 6,868 |
| Net interest income | $790,000 | 6,984 |
| Provision for loan and lease losses | $150,000 | 3,592 |
| Total noninterest income | $81,000 | 6,936 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $56,000 | 5,799 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $25,000 | 6,995 |
| Total noninterest expense | $524,000 | 7,553 |
| Salaries and employee benefits | $292,000 | 7,555 |
| Premises and equipment expense | $72,000 | 7,303 |
| Additional noninterest expense | $160,000 | 7,413 |
| Pre-tax net operating income | $197,000 | 5,834 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $197,000 | 5,627 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 5,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $100,000 | 4,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $197,000 | 5,565 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $678,000 | 7,038 |
| Total interest expense | $285,000 | 6,931 |
| Net interest income | $393,000 | 7,043 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $45,000 | 6,809 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $28,000 | 5,782 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $17,000 | 6,648 |
| Total noninterest expense | $273,000 | 7,532 |
| Salaries and employee benefits | $149,000 | 7,560 |
| Premises and equipment expense | $41,000 | 7,126 |
| Additional noninterest expense | $83,000 | 7,371 |
| Pre-tax net operating income | $90,000 | 6,121 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $90,000 | 5,972 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $90,000 | 5,974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,097 |
| Cash dividends | $60,000 | 3,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $90,000 | 5,887 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,867,000 | 6,937 |
| Total interest expense | $1,294,000 | 6,732 |
| Net interest income | $1,573,000 | 7,038 |
| Provision for loan and lease losses | $900,000 | 1,538 |
| Total noninterest income | $132,000 | 7,274 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $112,000 | 5,867 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $20,000 | 7,796 |
| Total noninterest expense | $1,028,000 | 7,620 |
| Salaries and employee benefits | $536,000 | 7,705 |
| Premises and equipment expense | $156,000 | 7,182 |
| Additional noninterest expense | $336,000 | 7,375 |
| Pre-tax net operating income | $-223,000 | 7,663 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,000 | 5,906 |
| Income before extraordinary items | $-225,000 | 7,727 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-225,000 | 7,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $901,000 | 1,108 |
| Cash dividends | $280,000 | 4,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-225,000 | 7,709 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,172,000 | 6,960 |
| Total interest expense | $983,000 | 6,722 |
| Net interest income | $1,189,000 | 7,066 |
| Provision for loan and lease losses | $425,000 | 1,777 |
| Total noninterest income | $99,000 | 7,332 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $84,000 | 5,898 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $15,000 | 7,834 |
| Total noninterest expense | $745,000 | 7,641 |
| Salaries and employee benefits | $395,000 | 7,718 |
| Premises and equipment expense | $104,000 | 7,346 |
| Additional noninterest expense | $246,000 | 7,391 |
| Pre-tax net operating income | $118,000 | 7,251 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,000 | 6,113 |
| Income before extraordinary items | $117,000 | 7,185 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $117,000 | 7,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $507,000 | 1,058 |
| Cash dividends | $220,000 | 4,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $117,000 | 7,172 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,431,000 | 7,020 |
| Total interest expense | $651,000 | 6,760 |
| Net interest income | $780,000 | 7,147 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $61,000 | 7,457 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $51,000 | 6,069 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $10,000 | 7,880 |
| Total noninterest expense | $507,000 | 7,667 |
| Salaries and employee benefits | $264,000 | 7,763 |
| Premises and equipment expense | $63,000 | 7,498 |
| Additional noninterest expense | $180,000 | 7,262 |
| Pre-tax net operating income | $184,000 | 6,733 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $184,000 | 6,500 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $184,000 | 6,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 1,350 |
| Cash dividends | $140,000 | 4,023 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $184,000 | 6,493 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $710,000 | 7,060 |
| Total interest expense | $319,000 | 6,811 |
| Net interest income | $391,000 | 7,160 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $26,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $21,000 | 6,298 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $5,000 | 7,889 |
| Total noninterest expense | $262,000 | 7,664 |
| Salaries and employee benefits | $132,000 | 7,807 |
| Premises and equipment expense | $30,000 | 7,598 |
| Additional noninterest expense | $100,000 | 7,079 |
| Pre-tax net operating income | $80,000 | 6,918 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $80,000 | 6,711 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $80,000 | 6,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 1,146 |
| Cash dividends | $60,000 | 3,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $80,000 | 6,694 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,844,000 | 6,900 |
| Total interest expense | $1,108,000 | 6,739 |
| Net interest income | $1,736,000 | 6,889 |
| Provision for loan and lease losses | $332,000 | 2,598 |
| Total noninterest income | $125,000 | 7,515 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $100,000 | 6,156 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $25,000 | 7,832 |
| Total noninterest expense | $979,000 | 7,745 |
| Salaries and employee benefits | $554,000 | 7,725 |
| Premises and equipment expense | $155,000 | 7,198 |
| Additional noninterest expense | $270,000 | 7,750 |
| Pre-tax net operating income | $550,000 | 6,328 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $18,000 | 5,959 |
| Income before extraordinary items | $532,000 | 6,041 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $532,000 | 6,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $319,000 | 1,594 |
| Cash dividends | $420,000 | 3,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $532,000 | 6,040 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,120,000 | 6,951 |
| Total interest expense | $801,000 | 6,790 |
| Net interest income | $1,319,000 | 6,935 |
| Provision for loan and lease losses | $287,000 | 2,236 |
| Total noninterest income | $93,000 | 7,605 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $74,000 | 6,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 7,867 |
| Total noninterest expense | $697,000 | 7,820 |
| Salaries and employee benefits | $391,000 | 7,804 |
| Premises and equipment expense | $105,000 | 7,378 |
| Additional noninterest expense | $201,000 | 7,778 |
| Pre-tax net operating income | $428,000 | 6,504 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $17,000 | 6,030 |
| Income before extraordinary items | $411,000 | 6,179 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $411,000 | 6,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 1,163 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $411,000 | 6,182 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,410,000 | 6,953 |
| Total interest expense | $512,000 | 6,793 |
| Net interest income | $898,000 | 6,924 |
| Provision for loan and lease losses | $93,000 | 3,433 |
| Total noninterest income | $57,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $46,000 | 6,355 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $11,000 | 8,021 |
| Total noninterest expense | $470,000 | 7,827 |
| Salaries and employee benefits | $263,000 | 7,832 |
| Premises and equipment expense | $63,000 | 7,564 |
| Additional noninterest expense | $144,000 | 7,681 |
| Pre-tax net operating income | $392,000 | 5,940 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $392,000 | 5,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $392,000 | 5,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,074 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $392,000 | 5,426 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $670,000 | 7,045 |
| Total interest expense | $251,000 | 6,777 |
| Net interest income | $419,000 | 7,111 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $31,000 | 7,631 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $22,000 | 6,377 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $239,000 | 7,818 |
| Salaries and employee benefits | $131,000 | 7,857 |
| Premises and equipment expense | $36,000 | 7,382 |
| Additional noninterest expense | $72,000 | 7,688 |
| Pre-tax net operating income | $166,000 | 6,213 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $18,000 | 5,421 |
| Income before extraordinary items | $148,000 | 5,994 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $148,000 | 5,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $120,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $148,000 | 5,992 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,690,000 | 6,851 |
| Total interest expense | $871,000 | 6,601 |
| Net interest income | $1,819,000 | 6,869 |
| Provision for loan and lease losses | $165,000 | 3,955 |
| Total noninterest income | $102,000 | 7,917 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $90,000 | 6,427 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $12,000 | 8,364 |
| Total noninterest expense | $1,015,000 | 7,725 |
| Salaries and employee benefits | $556,000 | 7,756 |
| Premises and equipment expense | $137,000 | 7,433 |
| Additional noninterest expense | $322,000 | 7,516 |
| Pre-tax net operating income | $741,000 | 6,040 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $8,000 | 6,595 |
| Income before extraordinary items | $733,000 | 5,562 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $733,000 | 5,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $214,000 | 2,192 |
| Cash dividends | $650,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $733,000 | 5,529 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,996,000 | 6,876 |
| Total interest expense | $635,000 | 6,602 |
| Net interest income | $1,361,000 | 6,907 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $82,000 | 7,881 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $59,000 | 6,651 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,869 |
| Total noninterest expense | $687,000 | 7,872 |
| Salaries and employee benefits | $366,000 | 7,912 |
| Premises and equipment expense | $93,000 | 7,583 |
| Additional noninterest expense | $228,000 | 7,629 |
| Pre-tax net operating income | $711,000 | 5,610 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $8,000 | 6,588 |
| Income before extraordinary items | $703,000 | 5,079 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $703,000 | 5,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 2,622 |
| Cash dividends | $400,000 | 3,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $703,000 | 5,036 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,298,000 | 6,900 |
| Total interest expense | $405,000 | 6,579 |
| Net interest income | $893,000 | 6,955 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $52,000 | 7,927 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $38,000 | 6,682 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,000 | 7,946 |
| Total noninterest expense | $445,000 | 7,924 |
| Salaries and employee benefits | $245,000 | 7,915 |
| Premises and equipment expense | $53,000 | 7,794 |
| Additional noninterest expense | $147,000 | 7,662 |
| Pre-tax net operating income | $500,000 | 5,487 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $500,000 | 4,890 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $500,000 | 4,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,884 |
| Cash dividends | $120,000 | 4,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $500,000 | 4,844 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $615,000 | 7,051 |
| Total interest expense | $197,000 | 6,576 |
| Net interest income | $418,000 | 7,150 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $25,000 | 7,991 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $18,000 | 6,743 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 8,020 |
| Total noninterest expense | $233,000 | 7,927 |
| Salaries and employee benefits | $122,000 | 7,990 |
| Premises and equipment expense | $30,000 | 7,706 |
| Additional noninterest expense | $81,000 | 7,543 |
| Pre-tax net operating income | $210,000 | 5,858 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $210,000 | 5,300 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $210,000 | 5,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $210,000 | 5,266 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,517,000 | 6,873 |
| Total interest expense | $737,000 | 6,464 |
| Net interest income | $1,780,000 | 6,927 |
| Provision for loan and lease losses | $198,000 | 3,721 |
| Total noninterest income | $114,000 | 7,921 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $77,000 | 6,812 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $37,000 | 7,758 |
| Total noninterest expense | $1,013,000 | 7,790 |
| Salaries and employee benefits | $552,000 | 7,834 |
| Premises and equipment expense | $153,000 | 7,293 |
| Additional noninterest expense | $308,000 | 7,653 |
| Pre-tax net operating income | $683,000 | 6,148 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $683,000 | 5,652 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $683,000 | 5,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,462 |
| Cash dividends | $480,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $683,000 | 5,591 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,884,000 | 6,890 |
| Total interest expense | $540,000 | 6,500 |
| Net interest income | $1,344,000 | 6,919 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $89,000 | 7,940 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $57,000 | 6,887 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $32,000 | 7,635 |
| Total noninterest expense | $709,000 | 7,893 |
| Salaries and employee benefits | $369,000 | 7,987 |
| Premises and equipment expense | $110,000 | 7,337 |
| Additional noninterest expense | $230,000 | 7,663 |
| Pre-tax net operating income | $724,000 | 5,438 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $724,000 | 4,874 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $724,000 | 4,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-54,000 | 8,681 |
| Cash dividends | $480,000 | 2,769 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $724,000 | 4,786 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,259,000 | 6,924 |
| Total interest expense | $354,000 | 6,586 |
| Net interest income | $905,000 | 6,941 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $54,000 | 8,092 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $35,000 | 7,014 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $19,000 | 7,792 |
| Total noninterest expense | $473,000 | 7,937 |
| Salaries and employee benefits | $241,000 | 8,068 |
| Premises and equipment expense | $76,000 | 7,324 |
| Additional noninterest expense | $156,000 | 7,650 |
| Pre-tax net operating income | $486,000 | 5,375 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $2,000 | 7,043 |
| Income before extraordinary items | $484,000 | 4,812 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $484,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,736 |
| Cash dividends | $320,000 | 2,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $484,000 | 4,720 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $663,000 | 6,843 |
| Total interest expense | $178,000 | 6,648 |
| Net interest income | $485,000 | 6,771 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $21,000 | 8,373 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $17,000 | 7,025 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $239,000 | 7,963 |
| Salaries and employee benefits | $122,000 | 8,085 |
| Premises and equipment expense | $42,000 | 7,151 |
| Additional noninterest expense | $75,000 | 7,771 |
| Pre-tax net operating income | $267,000 | 5,105 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $267,000 | 4,581 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $267,000 | 4,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 8,858 |
| Cash dividends | $120,000 | 2,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $267,000 | 4,448 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,297,000 | 7,251 |
| Total interest expense | $768,000 | 6,810 |
| Net interest income | $1,529,000 | 7,312 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $68,000 | 8,617 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $55,000 | 7,364 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $13,000 | 8,668 |
| Total noninterest expense | $986,000 | 7,918 |
| Salaries and employee benefits | $550,000 | 7,895 |
| Premises and equipment expense | $140,000 | 7,541 |
| Additional noninterest expense | $296,000 | 7,786 |
| Pre-tax net operating income | $611,000 | 6,298 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $-1,000 | 8,693 |
| Income before extraordinary items | $612,000 | 5,909 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $612,000 | 5,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,986 |
| Cash dividends | $450,000 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $612,000 | 5,732 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,699,000 | 7,374 |
| Total interest expense | $590,000 | 6,888 |
| Net interest income | $1,109,000 | 7,447 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $53,000 | 8,672 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $41,000 | 7,419 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $12,000 | 8,600 |
| Total noninterest expense | $565,000 | 8,364 |
| Salaries and employee benefits | $348,000 | 8,203 |
| Premises and equipment expense | $79,000 | 8,018 |
| Additional noninterest expense | $138,000 | 8,556 |
| Pre-tax net operating income | $597,000 | 5,891 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,000 | 7,369 |
| Income before extraordinary items | $595,000 | 5,419 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $595,000 | 5,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 9,026 |
| Cash dividends | $330,000 | 3,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $595,000 | 5,235 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,090,000 | 7,508 |
| Total interest expense | $407,000 | 6,936 |
| Net interest income | $683,000 | 7,647 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $36,000 | 8,676 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $27,000 | 7,445 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $9,000 | 8,523 |
| Total noninterest expense | $368,000 | 8,412 |
| Salaries and employee benefits | $234,000 | 8,213 |
| Premises and equipment expense | $55,000 | 7,952 |
| Additional noninterest expense | $79,000 | 8,741 |
| Pre-tax net operating income | $351,000 | 6,166 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $351,000 | 5,730 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $351,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,455 |
| Cash dividends | $130,000 | 3,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $351,000 | 5,516 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $534,000 | 7,587 |
| Total interest expense | $214,000 | 6,888 |
| Net interest income | $320,000 | 7,791 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $21,000 | 8,569 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $208,000 | 8,271 |
| Salaries and employee benefits | $118,000 | 8,241 |
| Premises and equipment expense | $38,000 | 7,422 |
| Additional noninterest expense | $52,000 | 8,435 |
| Pre-tax net operating income | $133,000 | 6,710 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $133,000 | 6,303 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $50,000 | 3,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,000 | 6,131 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,127,000 | 7,716 |
| Total interest expense | $967,000 | 7,025 |
| Net interest income | $1,160,000 | 8,018 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $69,000 | 8,761 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $47,000 | 7,581 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $22,000 | 8,461 |
| Total noninterest expense | $860,000 | 8,230 |
| Salaries and employee benefits | $431,000 | 8,398 |
| Premises and equipment expense | $133,000 | 7,683 |
| Additional noninterest expense | $296,000 | 7,833 |
| Pre-tax net operating income | $369,000 | 7,295 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $369,000 | 6,986 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $369,000 | 6,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,998 |
| Cash dividends | $230,000 | 4,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $369,000 | 6,862 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,145,000 | 8,071 |
| Total interest expense | $1,100,000 | 7,814 |
| Net interest income | $1,045,000 | 8,197 |
| Provision for loan and lease losses | $164,000 | 4,603 |
| Total noninterest income | $76,000 | 8,831 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $49,000 | 7,631 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $27,000 | 8,456 |
| Total noninterest expense | $720,000 | 8,634 |
| Salaries and employee benefits | $370,000 | 8,751 |
| Premises and equipment expense | $73,000 | 8,743 |
| Additional noninterest expense | $277,000 | 8,024 |
| Pre-tax net operating income | $237,000 | 7,701 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $53,000 | 6,661 |
| Income before extraordinary items | $184,000 | 7,838 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $184,000 | 7,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,179 |
| Cash dividends | $140,000 | 5,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $184,000 | 7,725 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,175,000 | 8,252 |
| Total interest expense | $1,016,000 | 8,191 |
| Net interest income | $1,159,000 | 8,159 |
| Provision for loan and lease losses | $551,000 | 1,729 |
| Total noninterest income | $70,000 | 9,036 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 7,624 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 8,953 |
| Total noninterest expense | $650,000 | 8,963 |
| Salaries and employee benefits | $371,000 | 8,897 |
| Premises and equipment expense | $35,000 | 9,610 |
| Additional noninterest expense | $244,000 | 8,389 |
| Pre-tax net operating income | $28,000 | 9,023 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-14,000 | 9,353 |
| Income before extraordinary items | $42,000 | 8,986 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $42,000 | 8,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 1,573 |
| Cash dividends | $140,000 | 5,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $42,000 | 8,969 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,231,000 | 8,213 |
| Total interest expense | $1,044,000 | 8,065 |
| Net interest income | $1,187,000 | 8,219 |
| Provision for loan and lease losses | $125,000 | 4,648 |
| Total noninterest income | $70,000 | 9,293 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 7,812 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,296 |
| Total noninterest expense | $606,000 | 9,301 |
| Salaries and employee benefits | $336,000 | 9,278 |
| Premises and equipment expense | $33,000 | 9,932 |
| Additional noninterest expense | $237,000 | 8,683 |
| Pre-tax net operating income | $526,000 | 7,024 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $163,000 | 6,119 |
| Income before extraordinary items | $363,000 | 7,206 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $363,000 | 7,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,447 |
| Cash dividends | $140,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $363,000 | 7,179 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,254,000 | 8,376 |
| Total interest expense | $1,096,000 | 8,163 |
| Net interest income | $1,158,000 | 8,426 |
| Provision for loan and lease losses | $50,000 | 6,568 |
| Total noninterest income | $66,000 | 9,582 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,089 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $605,000 | 9,411 |
| Salaries and employee benefits | $340,000 | 9,356 |
| Premises and equipment expense | $63,000 | 9,508 |
| Additional noninterest expense | $202,000 | 9,097 |
| Pre-tax net operating income | $569,000 | 7,062 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $176,000 | 6,476 |
| Income before extraordinary items | $393,000 | 7,263 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $393,000 | 7,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,450 |
| Cash dividends | $140,000 | 5,882 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $393,000 | 7,173 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,233,000 | 8,743 |
| Total interest expense | $1,064,000 | 8,507 |
| Net interest income | $1,169,000 | 8,754 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $58,000 | 10,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 10,147 |
| Total noninterest expense | $606,000 | 9,725 |
| Salaries and employee benefits | $345,000 | 9,635 |
| Premises and equipment expense | $66,000 | 9,815 |
| Additional noninterest expense | $195,000 | 9,467 |
| Pre-tax net operating income | $606,000 | 7,392 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $191,000 | 7,004 |
| Income before extraordinary items | $415,000 | 7,542 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $415,000 | 7,545 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,933 |
| Cash dividends | $140,000 | 6,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $415,000 | 7,487 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,236,000 | 9,044 |
| Total interest expense | $1,087,000 | 8,735 |
| Net interest income | $1,149,000 | 9,156 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $65,000 | 10,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $48,000 | 8,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $630,000 | 10,067 |
| Salaries and employee benefits | $374,000 | 9,787 |
| Premises and equipment expense | $62,000 | 10,297 |
| Additional noninterest expense | $194,000 | 10,005 |
| Pre-tax net operating income | $584,000 | 7,508 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $184,000 | 7,383 |
| Income before extraordinary items | $400,000 | 7,617 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $400,000 | 7,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,676 |
| Cash dividends | $140,000 | 6,159 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $400,000 | 7,552 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,112,000 | 9,549 |
| Total interest expense | $1,000,000 | 9,256 |
| Net interest income | $1,112,000 | 9,590 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $69,000 | 10,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,123 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $660,000 | 10,329 |
| Salaries and employee benefits | $374,000 | 10,132 |
| Premises and equipment expense | $74,000 | 10,376 |
| Additional noninterest expense | $212,000 | 10,282 |
| Pre-tax net operating income | $521,000 | 8,323 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $150,000 | 8,259 |
| Income before extraordinary items | $371,000 | 8,313 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $371,000 | 8,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $140,000 | 6,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $371,000 | 8,292 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,856,000 | 10,069 |
| Total interest expense | $844,000 | 9,376 |
| Net interest income | $1,012,000 | 10,349 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $70,000 | 11,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 9,555 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 11,718 |
| Total noninterest expense | $684,000 | 10,772 |
| Salaries and employee benefits | $353,000 | 10,701 |
| Premises and equipment expense | $69,000 | 10,998 |
| Additional noninterest expense | $262,000 | 10,380 |
| Pre-tax net operating income | $398,000 | 9,390 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $121,000 | 8,911 |
| Income before extraordinary items | $277,000 | 9,406 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $277,000 | 9,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,977 |
| Cash dividends | $110,000 | 6,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $277,000 | 9,460 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,877,000 | 10,435 |
| Total interest expense | $952,000 | 9,326 |
| Net interest income | $925,000 | 11,060 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $68,000 | 12,120 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $51,000 | 10,018 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 12,255 |
| Total noninterest expense | $678,000 | 11,269 |
| Salaries and employee benefits | $354,000 | 11,105 |
| Premises and equipment expense | $64,000 | 11,705 |
| Additional noninterest expense | $260,000 | 10,951 |
| Pre-tax net operating income | $315,000 | 10,118 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $95,000 | 9,865 |
| Income before extraordinary items | $220,000 | 10,418 |
| Extraordinary gains, net | $60,000 | 2,033 |
| Net income | $280,000 | 9,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 12,096 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $220,000 | 10,178 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,365,000 | 10,163 |
| Total interest expense | $1,327,000 | 9,135 |
| Net interest income | $1,038,000 | 10,945 |
| Provision for loan and lease losses | $27,000 | 10,147 |
| Total noninterest income | $61,000 | 12,819 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 10,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 12,987 |
| Total noninterest expense | $646,000 | 11,797 |
| Salaries and employee benefits | $335,000 | 11,607 |
| Premises and equipment expense | $58,000 | 12,372 |
| Additional noninterest expense | $253,000 | 11,486 |
| Pre-tax net operating income | $426,000 | 9,011 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $128,000 | 9,159 |
| Income before extraordinary items | $298,000 | 9,359 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $298,000 | 9,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 7,468 |
| Cash dividends | $100,000 | 6,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $298,000 | 8,967 |
* 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.