Home > White Oak State Bank > Income and Expense
White Oak State Bank, Income and Expense
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $343,000 | 7,031 |
| Total interest expense | $41,000 | 7,005 |
| Net interest income | $302,000 | 7,029 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $44,000 | 6,667 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $32,000 | 6,501 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $12,000 | 6,388 |
| Total noninterest expense | $247,000 | 7,058 |
| Salaries and employee benefits | $121,000 | 7,051 |
| Premises and equipment expense | $25,000 | 7,007 |
| Additional noninterest expense | $101,000 | 7,043 |
| Pre-tax net operating income | $99,000 | 5,917 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-2,000 | 6,488 |
| Income before extraordinary items | $101,000 | 6,060 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $101,000 | 6,055 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $101,000 | 6,058 |
| Net charge-offs | $0 | 5,985 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $101,000 | 5,905 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,951,000 | 4,998 |
| Total interest expense | $398,000 | 5,129 |
| Net interest income | $2,553,000 | 4,901 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $362,000 | 4,603 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $233,000 | 3,454 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $129,000 | 4,801 |
| Total noninterest expense | $1,879,000 | 5,209 |
| Salaries and employee benefits | $835,000 | 5,565 |
| Premises and equipment expense | $464,000 | 3,354 |
| Additional noninterest expense | $580,000 | 5,392 |
| Pre-tax net operating income | $1,036,000 | 3,566 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $374,000 | 2,240 |
| Income before extraordinary items | $662,000 | 4,198 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $662,000 | 4,198 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $662,000 | 4,198 |
| Net charge-offs | $8,000 | 5,367 |
| Cash dividends | $131,000 | 3,174 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $662,000 | 4,021 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,984,000 | 5,030 |
| Total interest expense | $273,000 | 5,187 |
| Net interest income | $1,711,000 | 4,911 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $239,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $152,000 | 3,480 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 4,833 |
| Total noninterest expense | $1,255,000 | 5,245 |
| Salaries and employee benefits | $572,000 | 5,566 |
| Premises and equipment expense | $305,000 | 3,401 |
| Additional noninterest expense | $378,000 | 5,468 |
| Pre-tax net operating income | $695,000 | 3,540 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $253,000 | 2,231 |
| Income before extraordinary items | $442,000 | 4,194 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $442,000 | 4,199 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $442,000 | 4,198 |
| Net charge-offs | $7,000 | 5,048 |
| Cash dividends | $85,000 | 3,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $442,000 | 4,013 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,018,000 | 4,994 |
| Total interest expense | $146,000 | 5,148 |
| Net interest income | $872,000 | 4,877 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $117,000 | 4,670 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $74,000 | 3,530 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $43,000 | 4,943 |
| Total noninterest expense | $653,000 | 5,168 |
| Salaries and employee benefits | $309,000 | 5,431 |
| Premises and equipment expense | $156,000 | 3,367 |
| Additional noninterest expense | $188,000 | 5,489 |
| Pre-tax net operating income | $336,000 | 3,628 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $123,000 | 2,232 |
| Income before extraordinary items | $213,000 | 4,268 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $213,000 | 4,271 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $213,000 | 4,272 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $40,000 | 2,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $213,000 | 4,120 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,128,000 | 5,072 |
| Total interest expense | $666,000 | 5,302 |
| Net interest income | $3,462,000 | 4,923 |
| Provision for loan and lease losses | $0 | 6,496 |
| Total noninterest income | $513,000 | 4,347 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $338,000 | 3,363 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $175,000 | 4,629 |
| Total noninterest expense | $2,772,000 | 5,091 |
| Salaries and employee benefits | $1,394,000 | 5,149 |
| Premises and equipment expense | $640,000 | 3,406 |
| Additional noninterest expense | $738,000 | 5,576 |
| Pre-tax net operating income | $1,203,000 | 3,399 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $439,000 | 2,156 |
| Income before extraordinary items | $764,000 | 4,018 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $764,000 | 4,023 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $764,000 | 4,022 |
| Net charge-offs | $14,000 | 6,005 |
| Cash dividends | $554,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $764,000 | 3,891 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,131,000 | 5,098 |
| Total interest expense | $529,000 | 5,298 |
| Net interest income | $2,602,000 | 4,949 |
| Provision for loan and lease losses | $0 | 6,393 |
| Total noninterest income | $383,000 | 4,412 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $251,000 | 3,389 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $132,000 | 4,725 |
| Total noninterest expense | $1,996,000 | 5,193 |
| Salaries and employee benefits | $962,000 | 5,376 |
| Premises and equipment expense | $474,000 | 3,484 |
| Additional noninterest expense | $560,000 | 5,600 |
| Pre-tax net operating income | $989,000 | 3,333 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $347,000 | 2,104 |
| Income before extraordinary items | $642,000 | 3,903 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $642,000 | 3,905 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $642,000 | 3,905 |
| Net charge-offs | $11,000 | 5,755 |
| Cash dividends | $156,000 | 2,864 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $642,000 | 3,795 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,072,000 | 5,161 |
| Total interest expense | $376,000 | 5,274 |
| Net interest income | $1,696,000 | 5,021 |
| Provision for loan and lease losses | $0 | 6,217 |
| Total noninterest income | $254,000 | 4,444 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $168,000 | 3,379 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $86,000 | 4,772 |
| Total noninterest expense | $1,322,000 | 5,269 |
| Salaries and employee benefits | $648,000 | 5,399 |
| Premises and equipment expense | $305,000 | 3,606 |
| Additional noninterest expense | $369,000 | 5,694 |
| Pre-tax net operating income | $628,000 | 3,384 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $229,000 | 2,078 |
| Income before extraordinary items | $399,000 | 3,985 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $399,000 | 3,986 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $399,000 | 3,987 |
| Net charge-offs | $6,000 | 5,501 |
| Cash dividends | $81,000 | 2,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $399,000 | 3,885 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,039,000 | 5,170 |
| Total interest expense | $191,000 | 5,344 |
| Net interest income | $848,000 | 5,021 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $127,000 | 4,484 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $86,000 | 3,297 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 4,959 |
| Total noninterest expense | $652,000 | 5,335 |
| Salaries and employee benefits | $326,000 | 5,413 |
| Premises and equipment expense | $151,000 | 3,683 |
| Additional noninterest expense | $175,000 | 5,839 |
| Pre-tax net operating income | $323,000 | 3,383 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $120,000 | 1,997 |
| Income before extraordinary items | $203,000 | 3,961 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $203,000 | 3,960 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $203,000 | 3,961 |
| Net charge-offs | $-5,000 | 6,778 |
| Cash dividends | $41,000 | 2,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $203,000 | 3,906 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,170,000 | 5,307 |
| Total interest expense | $848,000 | 5,596 |
| Net interest income | $3,322,000 | 5,090 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $558,000 | 4,375 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $396,000 | 3,103 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $162,000 | 4,882 |
| Total noninterest expense | $2,739,000 | 5,271 |
| Salaries and employee benefits | $1,356,000 | 5,332 |
| Premises and equipment expense | $608,000 | 3,685 |
| Additional noninterest expense | $775,000 | 5,684 |
| Pre-tax net operating income | $1,141,000 | 3,158 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $399,000 | 2,100 |
| Income before extraordinary items | $742,000 | 3,749 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $742,000 | 3,748 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $742,000 | 3,750 |
| Net charge-offs | $85,000 | 5,548 |
| Cash dividends | $586,000 | 2,168 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $742,000 | 3,615 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,123,000 | 5,399 |
| Total interest expense | $645,000 | 5,719 |
| Net interest income | $2,478,000 | 5,165 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $429,000 | 4,377 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $308,000 | 3,106 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $121,000 | 4,964 |
| Total noninterest expense | $1,980,000 | 5,386 |
| Salaries and employee benefits | $939,000 | 5,601 |
| Premises and equipment expense | $450,000 | 3,776 |
| Additional noninterest expense | $591,000 | 5,682 |
| Pre-tax net operating income | $927,000 | 3,224 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $320,000 | 2,085 |
| Income before extraordinary items | $607,000 | 3,765 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $607,000 | 3,765 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $607,000 | 3,766 |
| Net charge-offs | $106,000 | 4,851 |
| Cash dividends | $225,000 | 2,608 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $607,000 | 3,624 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,077,000 | 5,450 |
| Total interest expense | $439,000 | 5,767 |
| Net interest income | $1,638,000 | 5,196 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $284,000 | 4,379 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $207,000 | 3,092 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $77,000 | 5,031 |
| Total noninterest expense | $1,329,000 | 5,392 |
| Salaries and employee benefits | $624,000 | 5,634 |
| Premises and equipment expense | $299,000 | 3,809 |
| Additional noninterest expense | $406,000 | 5,628 |
| Pre-tax net operating income | $593,000 | 3,324 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $202,000 | 2,116 |
| Income before extraordinary items | $391,000 | 3,825 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $391,000 | 3,823 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $391,000 | 3,824 |
| Net charge-offs | $106,000 | 4,176 |
| Cash dividends | $150,000 | 2,535 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $391,000 | 3,721 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,029,000 | 5,545 |
| Total interest expense | $226,000 | 5,838 |
| Net interest income | $803,000 | 5,286 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $139,000 | 4,449 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $101,000 | 3,126 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $38,000 | 5,122 |
| Total noninterest expense | $638,000 | 5,579 |
| Salaries and employee benefits | $306,000 | 5,764 |
| Premises and equipment expense | $145,000 | 3,969 |
| Additional noninterest expense | $187,000 | 5,848 |
| Pre-tax net operating income | $304,000 | 3,328 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $113,000 | 2,005 |
| Income before extraordinary items | $191,000 | 3,976 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $191,000 | 3,975 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $191,000 | 3,975 |
| Net charge-offs | $4,000 | 5,215 |
| Cash dividends | $75,000 | 2,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $191,000 | 3,869 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,419,000 | 5,467 |
| Total interest expense | $1,057,000 | 5,912 |
| Net interest income | $3,362,000 | 5,068 |
| Provision for loan and lease losses | $100,000 | 6,413 |
| Total noninterest income | $571,000 | 4,470 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $422,000 | 3,227 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $149,000 | 5,099 |
| Total noninterest expense | $2,840,000 | 5,339 |
| Salaries and employee benefits | $1,456,000 | 5,285 |
| Premises and equipment expense | $641,000 | 3,707 |
| Additional noninterest expense | $743,000 | 5,989 |
| Pre-tax net operating income | $993,000 | 3,000 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $320,000 | 1,970 |
| Income before extraordinary items | $673,000 | 3,420 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $673,000 | 3,419 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $673,000 | 3,419 |
| Net charge-offs | $61,000 | 6,085 |
| Cash dividends | $399,000 | 2,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $673,000 | 3,357 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,328,000 | 5,519 |
| Total interest expense | $827,000 | 5,964 |
| Net interest income | $2,501,000 | 5,094 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $424,000 | 4,546 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $315,000 | 3,254 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $109,000 | 5,257 |
| Total noninterest expense | $2,048,000 | 5,443 |
| Salaries and employee benefits | $976,000 | 5,642 |
| Premises and equipment expense | $471,000 | 3,794 |
| Additional noninterest expense | $601,000 | 5,813 |
| Pre-tax net operating income | $877,000 | 2,961 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $296,000 | 1,932 |
| Income before extraordinary items | $581,000 | 3,443 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $581,000 | 3,441 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $581,000 | 3,443 |
| Net charge-offs | $43,000 | 5,787 |
| Cash dividends | $249,000 | 2,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $581,000 | 3,349 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,226,000 | 5,567 |
| Total interest expense | $581,000 | 5,981 |
| Net interest income | $1,645,000 | 5,144 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $287,000 | 4,513 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $213,000 | 3,195 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $74,000 | 5,286 |
| Total noninterest expense | $1,372,000 | 5,485 |
| Salaries and employee benefits | $656,000 | 5,689 |
| Premises and equipment expense | $304,000 | 3,890 |
| Additional noninterest expense | $412,000 | 5,749 |
| Pre-tax net operating income | $560,000 | 3,123 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $198,000 | 1,965 |
| Income before extraordinary items | $362,000 | 3,648 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 3,646 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $362,000 | 3,647 |
| Net charge-offs | $26,000 | 5,436 |
| Cash dividends | $120,000 | 3,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $362,000 | 3,540 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,120,000 | 5,597 |
| Total interest expense | $306,000 | 5,969 |
| Net interest income | $814,000 | 5,161 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $147,000 | 4,436 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $111,000 | 3,071 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $36,000 | 5,346 |
| Total noninterest expense | $697,000 | 5,409 |
| Salaries and employee benefits | $339,000 | 5,638 |
| Premises and equipment expense | $147,000 | 4,035 |
| Additional noninterest expense | $211,000 | 5,461 |
| Pre-tax net operating income | $264,000 | 3,546 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $100,000 | 2,180 |
| Income before extraordinary items | $164,000 | 4,188 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $164,000 | 4,191 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $164,000 | 4,191 |
| Net charge-offs | $6,000 | 5,032 |
| Cash dividends | $45,000 | 2,716 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $164,000 | 4,032 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,697,000 | 5,629 |
| Total interest expense | $1,382,000 | 6,149 |
| Net interest income | $3,315,000 | 5,124 |
| Provision for loan and lease losses | $300,000 | 4,610 |
| Total noninterest income | $590,000 | 4,508 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $531,000 | 2,884 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $59,000 | 6,588 |
| Total noninterest expense | $2,735,000 | 5,393 |
| Salaries and employee benefits | $1,621,000 | 5,090 |
| Premises and equipment expense | $582,000 | 4,034 |
| Additional noninterest expense | $532,000 | 6,482 |
| Pre-tax net operating income | $870,000 | 4,022 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $369,000 | 2,167 |
| Income before extraordinary items | $501,000 | 4,447 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $501,000 | 4,446 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,700 |
| Cash dividends | $260,000 | 4,252 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $501,000 | 4,603 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,544,000 | 5,691 |
| Total interest expense | $1,055,000 | 6,215 |
| Net interest income | $2,489,000 | 5,167 |
| Provision for loan and lease losses | $200,000 | 4,198 |
| Total noninterest income | $449,000 | 4,571 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $400,000 | 2,889 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $49,000 | 6,608 |
| Total noninterest expense | $1,922,000 | 5,577 |
| Salaries and employee benefits | $1,079,000 | 5,472 |
| Premises and equipment expense | $432,000 | 4,054 |
| Additional noninterest expense | $411,000 | 6,398 |
| Pre-tax net operating income | $816,000 | 4,073 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $333,000 | 2,349 |
| Income before extraordinary items | $483,000 | 4,513 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $483,000 | 4,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,686 |
| Cash dividends | $175,000 | 4,000 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $483,000 | 4,666 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 5,807 |
| Total interest expense | $714,000 | 6,318 |
| Net interest income | $1,605,000 | 5,268 |
| Provision for loan and lease losses | $200,000 | 3,141 |
| Total noninterest income | $305,000 | 4,582 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $267,000 | 2,866 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $38,000 | 6,484 |
| Total noninterest expense | $1,262,000 | 5,654 |
| Salaries and employee benefits | $718,000 | 5,527 |
| Premises and equipment expense | $279,000 | 4,179 |
| Additional noninterest expense | $265,000 | 6,502 |
| Pre-tax net operating income | $448,000 | 4,569 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $237,000 | 2,493 |
| Income before extraordinary items | $211,000 | 5,531 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 3,825 |
| Cash dividends | $100,000 | 4,065 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $211,000 | 5,459 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 5,862 |
| Total interest expense | $370,000 | 6,399 |
| Net interest income | $804,000 | 5,300 |
| Provision for loan and lease losses | $100,000 | 2,696 |
| Total noninterest income | $157,000 | 4,507 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $134,000 | 2,840 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $23,000 | 6,281 |
| Total noninterest expense | $625,000 | 5,698 |
| Salaries and employee benefits | $359,000 | 5,565 |
| Premises and equipment expense | $141,000 | 4,177 |
| Additional noninterest expense | $125,000 | 6,632 |
| Pre-tax net operating income | $236,000 | 4,641 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $143,000 | 2,382 |
| Income before extraordinary items | $93,000 | 5,941 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $93,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,520 |
| Cash dividends | $44,000 | 3,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $93,000 | 5,853 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,218,000 | 6,125 |
| Total interest expense | $1,266,000 | 6,764 |
| Net interest income | $2,952,000 | 5,547 |
| Provision for loan and lease losses | $100,000 | 4,892 |
| Total noninterest income | $615,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $545,000 | 2,865 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $70,000 | 6,708 |
| Total noninterest expense | $2,595,000 | 5,490 |
| Salaries and employee benefits | $1,486,000 | 5,333 |
| Premises and equipment expense | $635,000 | 3,689 |
| Additional noninterest expense | $474,000 | 6,704 |
| Pre-tax net operating income | $872,000 | 5,016 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $344,000 | 3,202 |
| Income before extraordinary items | $528,000 | 5,585 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $528,000 | 5,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,878 |
| Cash dividends | $158,000 | 5,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $528,000 | 5,573 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,077,000 | 6,222 |
| Total interest expense | $916,000 | 6,859 |
| Net interest income | $2,161,000 | 5,634 |
| Provision for loan and lease losses | $100,000 | 4,093 |
| Total noninterest income | $458,000 | 4,612 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $405,000 | 2,869 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $53,000 | 6,720 |
| Total noninterest expense | $1,796,000 | 5,705 |
| Salaries and employee benefits | $961,000 | 5,763 |
| Premises and equipment expense | $470,000 | 3,717 |
| Additional noninterest expense | $365,000 | 6,625 |
| Pre-tax net operating income | $723,000 | 5,057 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $263,000 | 3,372 |
| Income before extraordinary items | $460,000 | 5,533 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $460,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,079 |
| Cash dividends | $108,000 | 4,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $460,000 | 5,527 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,003,000 | 6,297 |
| Total interest expense | $587,000 | 6,958 |
| Net interest income | $1,416,000 | 5,725 |
| Provision for loan and lease losses | $50,000 | 4,348 |
| Total noninterest income | $298,000 | 4,679 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $264,000 | 2,914 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $34,000 | 6,824 |
| Total noninterest expense | $1,180,000 | 5,775 |
| Salaries and employee benefits | $618,000 | 5,914 |
| Premises and equipment expense | $310,000 | 3,769 |
| Additional noninterest expense | $252,000 | 6,573 |
| Pre-tax net operating income | $484,000 | 5,105 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $164,000 | 3,526 |
| Income before extraordinary items | $320,000 | 5,523 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $320,000 | 5,523 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $64,000 | 4,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $320,000 | 5,504 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $979,000 | 6,364 |
| Total interest expense | $284,000 | 7,026 |
| Net interest income | $695,000 | 5,772 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $145,000 | 4,721 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $125,000 | 2,984 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $20,000 | 6,614 |
| Total noninterest expense | $568,000 | 5,922 |
| Salaries and employee benefits | $293,000 | 6,122 |
| Premises and equipment expense | $151,000 | 3,851 |
| Additional noninterest expense | $124,000 | 6,617 |
| Pre-tax net operating income | $222,000 | 5,289 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $76,000 | 3,645 |
| Income before extraordinary items | $146,000 | 5,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $146,000 | 5,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $45,000 | 3,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $146,000 | 5,681 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,394,000 | 6,490 |
| Total interest expense | $895,000 | 7,130 |
| Net interest income | $2,499,000 | 6,024 |
| Provision for loan and lease losses | $125,000 | 4,315 |
| Total noninterest income | $567,000 | 4,864 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $480,000 | 3,145 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $87,000 | 6,557 |
| Total noninterest expense | $2,226,000 | 5,839 |
| Salaries and employee benefits | $1,174,000 | 5,982 |
| Premises and equipment expense | $586,000 | 3,840 |
| Additional noninterest expense | $466,000 | 6,701 |
| Pre-tax net operating income | $715,000 | 5,884 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $243,000 | 4,066 |
| Income before extraordinary items | $472,000 | 6,253 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $472,000 | 6,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,050 |
| Cash dividends | $367,000 | 4,211 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $472,000 | 6,248 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,491,000 | 6,565 |
| Total interest expense | $641,000 | 7,210 |
| Net interest income | $1,850,000 | 6,126 |
| Provision for loan and lease losses | $125,000 | 3,756 |
| Total noninterest income | $430,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $358,000 | 3,168 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,000 | 6,374 |
| Total noninterest expense | $1,529,000 | 6,099 |
| Salaries and employee benefits | $742,000 | 6,435 |
| Premises and equipment expense | $444,000 | 3,815 |
| Additional noninterest expense | $343,000 | 6,761 |
| Pre-tax net operating income | $626,000 | 5,768 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $213,000 | 4,061 |
| Income before extraordinary items | $413,000 | 6,173 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $413,000 | 6,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,411 |
| Cash dividends | $352,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $413,000 | 6,173 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,635,000 | 6,597 |
| Total interest expense | $401,000 | 7,273 |
| Net interest income | $1,234,000 | 6,149 |
| Provision for loan and lease losses | $100,000 | 3,294 |
| Total noninterest income | $292,000 | 4,812 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $235,000 | 3,185 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $979,000 | 6,227 |
| Salaries and employee benefits | $476,000 | 6,562 |
| Premises and equipment expense | $288,000 | 3,888 |
| Additional noninterest expense | $215,000 | 6,947 |
| Pre-tax net operating income | $447,000 | 5,660 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $152,000 | 3,985 |
| Income before extraordinary items | $295,000 | 6,045 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $295,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,763 |
| Cash dividends | $232,000 | 3,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $295,000 | 6,043 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $803,000 | 6,628 |
| Total interest expense | $185,000 | 7,361 |
| Net interest income | $618,000 | 6,151 |
| Provision for loan and lease losses | $25,000 | 4,252 |
| Total noninterest income | $142,000 | 4,809 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $117,000 | 3,129 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $500,000 | 6,184 |
| Salaries and employee benefits | $250,000 | 6,456 |
| Premises and equipment expense | $143,000 | 3,936 |
| Additional noninterest expense | $107,000 | 6,942 |
| Pre-tax net operating income | $235,000 | 5,499 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $80,000 | 3,888 |
| Income before extraordinary items | $155,000 | 5,890 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $155,000 | 5,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $136,000 | 2,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $155,000 | 5,892 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,800,000 | 6,755 |
| Total interest expense | $573,000 | 7,400 |
| Net interest income | $2,227,000 | 6,343 |
| Provision for loan and lease losses | $23,000 | 6,436 |
| Total noninterest income | $606,000 | 4,759 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $456,000 | 3,247 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $150,000 | 5,728 |
| Total noninterest expense | $2,066,000 | 5,998 |
| Salaries and employee benefits | $1,010,000 | 6,328 |
| Premises and equipment expense | $576,000 | 3,776 |
| Additional noninterest expense | $480,000 | 6,695 |
| Pre-tax net operating income | $744,000 | 6,028 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $253,000 | 4,347 |
| Income before extraordinary items | $491,000 | 6,408 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $491,000 | 6,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,682 |
| Cash dividends | $247,000 | 4,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $491,000 | 6,378 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,065,000 | 6,791 |
| Total interest expense | $410,000 | 7,437 |
| Net interest income | $1,655,000 | 6,401 |
| Provision for loan and lease losses | $23,000 | 6,069 |
| Total noninterest income | $461,000 | 4,754 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $347,000 | 3,233 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $114,000 | 5,708 |
| Total noninterest expense | $1,462,000 | 6,167 |
| Salaries and employee benefits | $675,000 | 6,640 |
| Premises and equipment expense | $417,000 | 3,856 |
| Additional noninterest expense | $370,000 | 6,594 |
| Pre-tax net operating income | $631,000 | 5,874 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $209,000 | 4,347 |
| Income before extraordinary items | $422,000 | 6,247 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $422,000 | 6,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,007 |
| Cash dividends | $229,000 | 3,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $422,000 | 6,210 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,320,000 | 6,864 |
| Total interest expense | $254,000 | 7,491 |
| Net interest income | $1,066,000 | 6,502 |
| Provision for loan and lease losses | $23,000 | 5,573 |
| Total noninterest income | $315,000 | 4,663 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $240,000 | 3,092 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $75,000 | 5,733 |
| Total noninterest expense | $941,000 | 6,269 |
| Salaries and employee benefits | $445,000 | 6,667 |
| Premises and equipment expense | $270,000 | 3,918 |
| Additional noninterest expense | $226,000 | 6,816 |
| Pre-tax net operating income | $417,000 | 5,879 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $142,000 | 4,334 |
| Income before extraordinary items | $275,000 | 6,306 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $275,000 | 6,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,414 |
| Cash dividends | $139,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $275,000 | 6,258 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $637,000 | 6,965 |
| Total interest expense | $114,000 | 7,649 |
| Net interest income | $523,000 | 6,594 |
| Provision for loan and lease losses | $23,000 | 4,505 |
| Total noninterest income | $170,000 | 4,385 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $116,000 | 3,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $460,000 | 6,369 |
| Salaries and employee benefits | $220,000 | 6,753 |
| Premises and equipment expense | $127,000 | 4,141 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $210,000 | 5,858 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $72,000 | 4,250 |
| Income before extraordinary items | $138,000 | 6,283 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $138,000 | 6,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,462 |
| Cash dividends | $74,000 | 3,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $138,000 | 6,234 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,332,000 | 7,058 |
| Total interest expense | $390,000 | 7,733 |
| Net interest income | $1,942,000 | 6,709 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $567,000 | 4,958 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $477,000 | 3,246 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $90,000 | 6,590 |
| Total noninterest expense | $1,894,000 | 6,191 |
| Salaries and employee benefits | $958,000 | 6,423 |
| Premises and equipment expense | $504,000 | 4,066 |
| Additional noninterest expense | $432,000 | 6,948 |
| Pre-tax net operating income | $615,000 | 6,348 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $209,000 | 4,701 |
| Income before extraordinary items | $406,000 | 6,737 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $406,000 | 6,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,636 |
| Cash dividends | $397,000 | 3,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $406,000 | 6,677 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,742,000 | 7,088 |
| Total interest expense | $293,000 | 7,746 |
| Net interest income | $1,449,000 | 6,725 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $428,000 | 4,966 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $362,000 | 3,237 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $66,000 | 6,636 |
| Total noninterest expense | $1,361,000 | 6,297 |
| Salaries and employee benefits | $682,000 | 6,532 |
| Premises and equipment expense | $362,000 | 4,193 |
| Additional noninterest expense | $317,000 | 6,969 |
| Pre-tax net operating income | $516,000 | 6,255 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $171,000 | 4,678 |
| Income before extraordinary items | $345,000 | 6,637 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $345,000 | 6,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $305,000 | 3,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $345,000 | 6,567 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,148,000 | 7,146 |
| Total interest expense | $199,000 | 7,774 |
| Net interest income | $949,000 | 6,801 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $290,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $241,000 | 3,226 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $904,000 | 6,344 |
| Salaries and employee benefits | $460,000 | 6,554 |
| Premises and equipment expense | $230,000 | 4,340 |
| Additional noninterest expense | $214,000 | 6,980 |
| Pre-tax net operating income | $335,000 | 6,275 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $114,000 | 4,678 |
| Income before extraordinary items | $221,000 | 6,703 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $221,000 | 6,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,658 |
| Cash dividends | $204,000 | 3,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $221,000 | 6,615 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $568,000 | 7,214 |
| Total interest expense | $103,000 | 7,798 |
| Net interest income | $465,000 | 6,887 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $142,000 | 4,914 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $118,000 | 3,186 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $450,000 | 6,407 |
| Salaries and employee benefits | $233,000 | 6,559 |
| Premises and equipment expense | $114,000 | 4,394 |
| Additional noninterest expense | $103,000 | 7,078 |
| Pre-tax net operating income | $157,000 | 6,347 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $53,000 | 4,770 |
| Income before extraordinary items | $104,000 | 6,807 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $104,000 | 6,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $99,000 | 2,944 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $104,000 | 6,696 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,229,000 | 7,344 |
| Total interest expense | $472,000 | 7,836 |
| Net interest income | $1,757,000 | 6,976 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $530,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $432,000 | 3,480 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $98,000 | 6,567 |
| Total noninterest expense | $1,766,000 | 6,410 |
| Salaries and employee benefits | $926,000 | 6,512 |
| Premises and equipment expense | $424,000 | 4,539 |
| Additional noninterest expense | $416,000 | 7,060 |
| Pre-tax net operating income | $521,000 | 6,598 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $177,000 | 5,090 |
| Income before extraordinary items | $344,000 | 7,070 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $344,000 | 7,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,724 |
| Cash dividends | $241,000 | 4,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $344,000 | 6,917 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 7,423 |
| Total interest expense | $365,000 | 7,932 |
| Net interest income | $1,302,000 | 7,051 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $401,000 | 5,306 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $322,000 | 3,493 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $79,000 | 6,483 |
| Total noninterest expense | $1,303,000 | 6,440 |
| Salaries and employee benefits | $667,000 | 6,619 |
| Premises and equipment expense | $318,000 | 4,543 |
| Additional noninterest expense | $318,000 | 6,989 |
| Pre-tax net operating income | $400,000 | 6,712 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $132,000 | 5,265 |
| Income before extraordinary items | $268,000 | 7,133 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $268,000 | 7,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $206,000 | 3,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $268,000 | 6,972 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,100,000 | 7,491 |
| Total interest expense | $253,000 | 7,987 |
| Net interest income | $847,000 | 7,121 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $262,000 | 5,327 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $213,000 | 3,472 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $49,000 | 6,605 |
| Total noninterest expense | $872,000 | 6,432 |
| Salaries and employee benefits | $447,000 | 6,626 |
| Premises and equipment expense | $213,000 | 4,529 |
| Additional noninterest expense | $212,000 | 6,986 |
| Pre-tax net operating income | $237,000 | 6,934 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $80,000 | 5,416 |
| Income before extraordinary items | $157,000 | 7,374 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $157,000 | 7,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $157,000 | 7,188 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $544,000 | 7,548 |
| Total interest expense | $136,000 | 7,945 |
| Net interest income | $408,000 | 7,236 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $125,000 | 5,350 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $102,000 | 3,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 6,700 |
| Total noninterest expense | $427,000 | 6,517 |
| Salaries and employee benefits | $223,000 | 6,648 |
| Premises and equipment expense | $100,000 | 4,694 |
| Additional noninterest expense | $104,000 | 7,046 |
| Pre-tax net operating income | $106,000 | 7,094 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $36,000 | 5,525 |
| Income before extraordinary items | $70,000 | 7,482 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $70,000 | 7,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $60,000 | 3,294 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $70,000 | 7,334 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,272,000 | 7,564 |
| Total interest expense | $630,000 | 8,003 |
| Net interest income | $1,642,000 | 7,196 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $504,000 | 5,192 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $394,000 | 3,568 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 6,258 |
| Total noninterest expense | $1,742,000 | 6,370 |
| Salaries and employee benefits | $864,000 | 6,645 |
| Premises and equipment expense | $420,000 | 4,476 |
| Additional noninterest expense | $458,000 | 6,754 |
| Pre-tax net operating income | $404,000 | 7,146 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $137,000 | 5,625 |
| Income before extraordinary items | $267,000 | 7,482 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $267,000 | 7,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,007 |
| Cash dividends | $249,000 | 4,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $267,000 | 7,388 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,739,000 | 7,509 |
| Total interest expense | $962,000 | 8,103 |
| Net interest income | $1,777,000 | 6,832 |
| Provision for loan and lease losses | $251,000 | 3,598 |
| Total noninterest income | $538,000 | 4,863 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $418,000 | 3,265 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $120,000 | 6,007 |
| Total noninterest expense | $1,756,000 | 6,226 |
| Salaries and employee benefits | $910,000 | 6,328 |
| Premises and equipment expense | $388,000 | 4,689 |
| Additional noninterest expense | $458,000 | 6,727 |
| Pre-tax net operating income | $308,000 | 7,379 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $104,000 | 5,960 |
| Income before extraordinary items | $204,000 | 7,701 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $204,000 | 7,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $250,000 | 2,498 |
| Cash dividends | $246,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $204,000 | 7,578 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,814,000 | 7,596 |
| Total interest expense | $940,000 | 8,351 |
| Net interest income | $1,874,000 | 6,768 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $587,000 | 4,464 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $431,000 | 3,049 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,379 |
| Total noninterest expense | $1,896,000 | 5,870 |
| Salaries and employee benefits | $1,012,000 | 5,865 |
| Premises and equipment expense | $442,000 | 4,180 |
| Additional noninterest expense | $442,000 | 6,834 |
| Pre-tax net operating income | $565,000 | 6,720 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $192,000 | 5,468 |
| Income before extraordinary items | $373,000 | 7,019 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $373,000 | 7,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,278 |
| Cash dividends | $366,000 | 4,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $373,000 | 7,018 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,783,000 | 7,617 |
| Total interest expense | $1,017,000 | 8,136 |
| Net interest income | $1,766,000 | 7,076 |
| Provision for loan and lease losses | $152,000 | 4,213 |
| Total noninterest income | $622,000 | 4,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $438,000 | 2,966 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,135 |
| Total noninterest expense | $1,818,000 | 6,048 |
| Salaries and employee benefits | $941,000 | 6,137 |
| Premises and equipment expense | $443,000 | 4,184 |
| Additional noninterest expense | $434,000 | 7,016 |
| Pre-tax net operating income | $418,000 | 7,499 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $142,000 | 6,382 |
| Income before extraordinary items | $276,000 | 7,756 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $276,000 | 7,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,890 |
| Cash dividends | $267,000 | 4,765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $276,000 | 7,732 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,718,000 | 7,852 |
| Total interest expense | $917,000 | 8,644 |
| Net interest income | $1,801,000 | 7,048 |
| Provision for loan and lease losses | $27,000 | 7,449 |
| Total noninterest income | $557,000 | 4,623 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $388,000 | 3,217 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $169,000 | 5,382 |
| Total noninterest expense | $1,826,000 | 5,932 |
| Salaries and employee benefits | $965,000 | 5,915 |
| Premises and equipment expense | $401,000 | 4,407 |
| Additional noninterest expense | $460,000 | 6,719 |
| Pre-tax net operating income | $505,000 | 7,334 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $172,000 | 6,555 |
| Income before extraordinary items | $333,000 | 7,630 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $333,000 | 7,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,498 |
| Cash dividends | $315,000 | 4,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $333,000 | 7,545 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,607,000 | 8,244 |
| Total interest expense | $904,000 | 8,957 |
| Net interest income | $1,703,000 | 7,545 |
| Provision for loan and lease losses | $223,000 | 3,219 |
| Total noninterest income | $522,000 | 4,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $370,000 | 3,446 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $152,000 | 5,651 |
| Total noninterest expense | $1,758,000 | 6,162 |
| Salaries and employee benefits | $911,000 | 6,230 |
| Premises and equipment expense | $400,000 | 4,453 |
| Additional noninterest expense | $447,000 | 6,958 |
| Pre-tax net operating income | $244,000 | 9,327 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $78,000 | 8,774 |
| Income before extraordinary items | $166,000 | 9,436 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $166,000 | 9,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,018 |
| Cash dividends | $135,000 | 6,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $166,000 | 9,390 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,599,000 | 8,568 |
| Total interest expense | $901,000 | 9,332 |
| Net interest income | $1,698,000 | 7,780 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $615,000 | 4,505 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $332,000 | 3,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $283,000 | 4,221 |
| Total noninterest expense | $1,837,000 | 6,302 |
| Salaries and employee benefits | $896,000 | 6,482 |
| Premises and equipment expense | $418,000 | 4,380 |
| Additional noninterest expense | $523,000 | 6,890 |
| Pre-tax net operating income | $476,000 | 8,082 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $162,000 | 7,700 |
| Income before extraordinary items | $314,000 | 8,307 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $314,000 | 8,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,336 |
| Cash dividends | $306,000 | 4,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $314,000 | 8,242 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,546,000 | 8,898 |
| Total interest expense | $865,000 | 9,752 |
| Net interest income | $1,681,000 | 8,068 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $655,000 | 4,303 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $279,000 | 4,556 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $376,000 | 3,449 |
| Total noninterest expense | $1,763,000 | 6,564 |
| Salaries and employee benefits | $885,000 | 6,632 |
| Premises and equipment expense | $342,000 | 5,108 |
| Additional noninterest expense | $536,000 | 6,982 |
| Pre-tax net operating income | $573,000 | 8,032 |
| Securities gains (losses) | $50,000 | 1,306 |
| Applicable income taxes | $212,000 | 7,226 |
| Income before extraordinary items | $411,000 | 7,957 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $411,000 | 7,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $405,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $378,000 | 8,241 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,114,000 | 9,580 |
| Total interest expense | $684,000 | 10,188 |
| Net interest income | $1,430,000 | 9,067 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $623,000 | 4,534 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,529 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $336,000 | 3,820 |
| Total noninterest expense | $1,559,000 | 7,417 |
| Salaries and employee benefits | $731,000 | 7,669 |
| Premises and equipment expense | $295,000 | 5,794 |
| Additional noninterest expense | $533,000 | 7,577 |
| Pre-tax net operating income | $494,000 | 8,695 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $168,000 | 7,964 |
| Income before extraordinary items | $326,000 | 8,864 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $326,000 | 8,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,214 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $326,000 | 8,914 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,047,000 | 10,087 |
| Total interest expense | $687,000 | 10,661 |
| Net interest income | $1,360,000 | 9,545 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $548,000 | 5,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $275,000 | 4,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $273,000 | 4,734 |
| Total noninterest expense | $1,375,000 | 8,262 |
| Salaries and employee benefits | $581,000 | 8,970 |
| Premises and equipment expense | $241,000 | 6,865 |
| Additional noninterest expense | $553,000 | 7,742 |
| Pre-tax net operating income | $513,000 | 8,581 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $172,000 | 8,163 |
| Income before extraordinary items | $348,000 | 8,954 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $348,000 | 9,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 6,048 |
| Cash dividends | $289,000 | 4,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $343,310 | 8,740 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,162,000 | 10,558 |
| Total interest expense | $845,000 | 11,114 |
| Net interest income | $1,317,000 | 9,922 |
| Provision for loan and lease losses | $14,000 | 10,934 |
| Total noninterest income | $551,000 | 5,280 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $278,000 | 4,646 |
| Total noninterest expense | $1,700,000 | 7,266 |
| Salaries and employee benefits | $554,000 | 9,242 |
| Premises and equipment expense | $212,000 | 7,581 |
| Additional noninterest expense | $934,000 | 5,352 |
| Pre-tax net operating income | $154,000 | 11,491 |
| Securities gains (losses) | $22,000 | 5,460 |
| Applicable income taxes | $33,000 | 11,726 |
| Income before extraordinary items | $143,000 | 11,373 |
| Extraordinary gains, net | $26,000 | 1,170 |
| Net income | $169,000 | 11,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 6,983 |
| Cash dividends | $168,000 | 5,513 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $125,180 | 11,297 |
* 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.