Home > Williamstown Savings Bank > Income and Expense
Williamstown Savings Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,568,000 | 3,856 |
| Total interest expense | $697,000 | 1,766 |
| Net interest income | $871,000 | 4,880 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $156,000 | 4,143 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $40,000 | 4,716 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $116,000 | 3,479 |
| Total noninterest expense | $1,107,000 | 3,839 |
| Salaries and employee benefits | $347,000 | 5,156 |
| Premises and equipment expense | $83,000 | 4,844 |
| Additional noninterest expense | $677,000 | 2,361 |
| Pre-tax net operating income | $-110,000 | 6,750 |
| Securities gains (losses) | $145,000 | 731 |
| Applicable income taxes | $-3,000 | 6,920 |
| Income before extraordinary items | $38,000 | 6,114 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $38,000 | 6,113 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $38,000 | 6,114 |
| Net charge-offs | $-18,000 | 6,852 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-107,000 | 6,752 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,159,000 | 3,620 |
| Total interest expense | $2,954,000 | 1,988 |
| Net interest income | $4,205,000 | 4,401 |
| Provision for loan and lease losses | $2,836,000 | 1,251 |
| Total noninterest income | $763,000 | 3,607 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $174,000 | 4,631 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $589,000 | 2,882 |
| Total noninterest expense | $5,161,000 | 3,449 |
| Salaries and employee benefits | $1,697,000 | 4,615 |
| Premises and equipment expense | $409,000 | 4,508 |
| Additional noninterest expense | $3,055,000 | 2,177 |
| Pre-tax net operating income | $-3,029,000 | 6,917 |
| Securities gains (losses) | $-1,017,000 | 7,278 |
| Applicable income taxes | $-1,657,000 | 7,232 |
| Income before extraordinary items | $-2,389,000 | 6,887 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,389,000 | 6,886 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,389,000 | 6,887 |
| Net charge-offs | $2,761,000 | 1,269 |
| Cash dividends | $48,000 | 4,016 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,738,120 | 6,768 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,631,000 | 3,542 |
| Total interest expense | $2,252,000 | 2,039 |
| Net interest income | $3,379,000 | 4,225 |
| Provision for loan and lease losses | $45,000 | 5,587 |
| Total noninterest income | $551,000 | 3,711 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $132,000 | 4,622 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $419,000 | 2,958 |
| Total noninterest expense | $3,701,000 | 3,579 |
| Salaries and employee benefits | $1,845,000 | 3,593 |
| Premises and equipment expense | $311,000 | 4,531 |
| Additional noninterest expense | $1,545,000 | 3,072 |
| Pre-tax net operating income | $184,000 | 5,534 |
| Securities gains (losses) | $-346,000 | 7,324 |
| Applicable income taxes | $-142,000 | 7,045 |
| Income before extraordinary items | $-20,000 | 6,290 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-20,000 | 6,292 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-20,000 | 6,292 |
| Net charge-offs | $95,000 | 4,482 |
| Cash dividends | $47,000 | 3,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $201,440 | 5,346 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,852,000 | 3,494 |
| Total interest expense | $1,518,000 | 2,085 |
| Net interest income | $2,334,000 | 4,129 |
| Provision for loan and lease losses | $30,000 | 5,425 |
| Total noninterest income | $381,000 | 3,659 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $87,000 | 4,645 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $294,000 | 2,903 |
| Total noninterest expense | $2,486,000 | 3,588 |
| Salaries and employee benefits | $1,241,000 | 3,603 |
| Premises and equipment expense | $196,000 | 4,700 |
| Additional noninterest expense | $1,049,000 | 3,084 |
| Pre-tax net operating income | $199,000 | 5,111 |
| Securities gains (losses) | $-190,000 | 7,375 |
| Applicable income taxes | $-52,000 | 7,036 |
| Income before extraordinary items | $61,000 | 5,939 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $61,000 | 5,938 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $61,000 | 5,939 |
| Net charge-offs | $95,000 | 3,896 |
| Cash dividends | $47,000 | 3,134 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $251,000 | 4,614 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,910,000 | 3,537 |
| Total interest expense | $771,000 | 2,128 |
| Net interest income | $1,139,000 | 4,200 |
| Provision for loan and lease losses | $15,000 | 5,117 |
| Total noninterest income | $140,000 | 4,301 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $44,000 | 4,568 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $96,000 | 3,641 |
| Total noninterest expense | $1,220,000 | 3,654 |
| Salaries and employee benefits | $621,000 | 3,622 |
| Premises and equipment expense | $95,000 | 4,843 |
| Additional noninterest expense | $504,000 | 3,160 |
| Pre-tax net operating income | $44,000 | 5,837 |
| Securities gains (losses) | $64,000 | 671 |
| Applicable income taxes | $13,000 | 3,664 |
| Income before extraordinary items | $95,000 | 5,081 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $95,000 | 5,079 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $95,000 | 5,081 |
| Net charge-offs | $1,000 | 4,979 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $38,680 | 5,846 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,363,000 | 3,431 |
| Total interest expense | $3,606,000 | 2,198 |
| Net interest income | $4,757,000 | 4,095 |
| Provision for loan and lease losses | $121,000 | 5,844 |
| Total noninterest income | $824,000 | 3,588 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $219,000 | 4,248 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $605,000 | 2,900 |
| Total noninterest expense | $4,912,000 | 3,662 |
| Salaries and employee benefits | $2,496,000 | 3,579 |
| Premises and equipment expense | $375,000 | 4,900 |
| Additional noninterest expense | $2,041,000 | 3,200 |
| Pre-tax net operating income | $548,000 | 4,262 |
| Securities gains (losses) | $-333,000 | 7,372 |
| Applicable income taxes | $-72,000 | 6,784 |
| Income before extraordinary items | $287,000 | 4,982 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $287,000 | 4,985 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $287,000 | 4,985 |
| Net charge-offs | $343,000 | 4,146 |
| Cash dividends | $241,000 | 3,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $620,000 | 3,883 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,440,000 | 3,423 |
| Total interest expense | $2,775,000 | 2,235 |
| Net interest income | $3,665,000 | 4,074 |
| Provision for loan and lease losses | $91,000 | 5,751 |
| Total noninterest income | $542,000 | 3,902 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $165,000 | 4,320 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $377,000 | 3,198 |
| Total noninterest expense | $3,719,000 | 3,642 |
| Salaries and employee benefits | $1,877,000 | 3,622 |
| Premises and equipment expense | $293,000 | 4,885 |
| Additional noninterest expense | $1,549,000 | 3,128 |
| Pre-tax net operating income | $397,000 | 4,517 |
| Securities gains (losses) | $40,000 | 2,559 |
| Applicable income taxes | $49,000 | 3,582 |
| Income before extraordinary items | $388,000 | 4,511 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $388,000 | 4,514 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $388,000 | 4,514 |
| Net charge-offs | $94,000 | 4,970 |
| Cash dividends | $180,000 | 2,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $352,400 | 4,456 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,388,000 | 3,400 |
| Total interest expense | $1,900,000 | 2,261 |
| Net interest income | $2,488,000 | 4,030 |
| Provision for loan and lease losses | $60,000 | 5,595 |
| Total noninterest income | $301,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $106,000 | 4,388 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $195,000 | 3,542 |
| Total noninterest expense | $2,461,000 | 3,669 |
| Salaries and employee benefits | $1,231,000 | 3,686 |
| Premises and equipment expense | $204,000 | 4,818 |
| Additional noninterest expense | $1,026,000 | 3,126 |
| Pre-tax net operating income | $268,000 | 4,551 |
| Securities gains (losses) | $121,000 | 1,296 |
| Applicable income taxes | $69,000 | 3,086 |
| Income before extraordinary items | $320,000 | 4,186 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $320,000 | 4,185 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $320,000 | 4,185 |
| Net charge-offs | $91,000 | 4,339 |
| Cash dividends | $48,000 | 3,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $220,780 | 4,618 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,254,000 | 3,374 |
| Total interest expense | $946,000 | 2,378 |
| Net interest income | $1,308,000 | 3,915 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $162,000 | 4,105 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $51,000 | 4,444 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $111,000 | 3,320 |
| Total noninterest expense | $1,203,000 | 3,752 |
| Salaries and employee benefits | $612,000 | 3,758 |
| Premises and equipment expense | $102,000 | 4,904 |
| Additional noninterest expense | $489,000 | 3,252 |
| Pre-tax net operating income | $237,000 | 3,772 |
| Securities gains (losses) | $122,000 | 711 |
| Applicable income taxes | $95,000 | 2,176 |
| Income before extraordinary items | $264,000 | 3,380 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $264,000 | 3,378 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $264,000 | 3,380 |
| Net charge-offs | $37,000 | 3,979 |
| Cash dividends | $48,000 | 2,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $173,720 | 4,039 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,280,000 | 3,170 |
| Total interest expense | $5,253,000 | 2,158 |
| Net interest income | $5,027,000 | 3,941 |
| Provision for loan and lease losses | $341,000 | 5,098 |
| Total noninterest income | $1,110,000 | 3,140 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $238,000 | 4,314 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $872,000 | 2,327 |
| Total noninterest expense | $4,794,000 | 3,816 |
| Salaries and employee benefits | $2,325,000 | 3,909 |
| Premises and equipment expense | $442,000 | 4,732 |
| Additional noninterest expense | $2,027,000 | 3,279 |
| Pre-tax net operating income | $1,002,000 | 2,987 |
| Securities gains (losses) | $287,000 | 1,278 |
| Applicable income taxes | $311,000 | 1,998 |
| Income before extraordinary items | $978,000 | 2,812 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $978,000 | 2,811 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $978,000 | 2,812 |
| Net charge-offs | $191,000 | 5,059 |
| Cash dividends | $802,000 | 1,915 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $759,880 | 3,160 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,954,000 | 3,125 |
| Total interest expense | $4,275,000 | 2,091 |
| Net interest income | $3,679,000 | 4,001 |
| Provision for loan and lease losses | $181,000 | 5,275 |
| Total noninterest income | $863,000 | 3,114 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $205,000 | 4,087 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $658,000 | 2,378 |
| Total noninterest expense | $3,688,000 | 3,745 |
| Salaries and employee benefits | $1,726,000 | 3,963 |
| Premises and equipment expense | $359,000 | 4,542 |
| Additional noninterest expense | $1,603,000 | 3,117 |
| Pre-tax net operating income | $673,000 | 3,414 |
| Securities gains (losses) | $501,000 | 700 |
| Applicable income taxes | $295,000 | 1,936 |
| Income before extraordinary items | $879,000 | 2,698 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $879,000 | 2,695 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $879,000 | 2,698 |
| Net charge-offs | $182,000 | 4,348 |
| Cash dividends | $668,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $503,250 | 3,587 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,429,000 | 3,093 |
| Total interest expense | $3,021,000 | 2,085 |
| Net interest income | $2,408,000 | 4,028 |
| Provision for loan and lease losses | $120,000 | 5,054 |
| Total noninterest income | $644,000 | 2,900 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $145,000 | 3,931 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $499,000 | 2,234 |
| Total noninterest expense | $2,397,000 | 3,855 |
| Salaries and employee benefits | $1,105,000 | 4,121 |
| Premises and equipment expense | $213,000 | 4,899 |
| Additional noninterest expense | $1,079,000 | 3,094 |
| Pre-tax net operating income | $535,000 | 3,199 |
| Securities gains (losses) | $303,000 | 760 |
| Applicable income taxes | $222,000 | 1,852 |
| Income before extraordinary items | $616,000 | 2,724 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $616,000 | 2,722 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $616,000 | 2,724 |
| Net charge-offs | $2,000 | 6,442 |
| Cash dividends | $514,000 | 1,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $391,780 | 3,397 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,884,000 | 2,962 |
| Total interest expense | $1,587,000 | 2,069 |
| Net interest income | $1,297,000 | 3,839 |
| Provision for loan and lease losses | $60,000 | 4,614 |
| Total noninterest income | $242,000 | 3,453 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $78,000 | 3,754 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $164,000 | 2,824 |
| Total noninterest expense | $1,226,000 | 3,704 |
| Salaries and employee benefits | $564,000 | 4,086 |
| Premises and equipment expense | $102,000 | 5,065 |
| Additional noninterest expense | $560,000 | 2,722 |
| Pre-tax net operating income | $253,000 | 3,619 |
| Securities gains (losses) | $159,000 | 766 |
| Applicable income taxes | $107,000 | 2,118 |
| Income before extraordinary items | $305,000 | 3,100 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $305,000 | 3,101 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $305,000 | 3,101 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $187,340 | 3,817 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,054,000 | 2,629 |
| Total interest expense | $7,818,000 | 2,008 |
| Net interest income | $6,236,000 | 3,366 |
| Provision for loan and lease losses | $3,000 | 7,309 |
| Total noninterest income | $576,000 | 4,561 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $303,000 | 3,999 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $273,000 | 4,269 |
| Total noninterest expense | $4,048,000 | 4,193 |
| Salaries and employee benefits | $2,081,000 | 4,318 |
| Premises and equipment expense | $444,000 | 4,794 |
| Additional noninterest expense | $1,523,000 | 3,579 |
| Pre-tax net operating income | $2,761,000 | 1,935 |
| Securities gains (losses) | $-611,000 | 7,602 |
| Applicable income taxes | $622,000 | 1,629 |
| Income before extraordinary items | $1,528,000 | 2,481 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,528,000 | 2,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,844 |
| Cash dividends | $402,000 | 3,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,961,810 | 2,149 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,586,000 | 2,679 |
| Total interest expense | $6,079,000 | 2,036 |
| Net interest income | $4,507,000 | 3,494 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $443,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $224,000 | 4,052 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $219,000 | 4,251 |
| Total noninterest expense | $2,943,000 | 4,285 |
| Salaries and employee benefits | $1,493,000 | 4,494 |
| Premises and equipment expense | $348,000 | 4,680 |
| Additional noninterest expense | $1,102,000 | 3,606 |
| Pre-tax net operating income | $2,007,000 | 2,308 |
| Securities gains (losses) | $-674,000 | 7,829 |
| Applicable income taxes | $531,000 | 1,826 |
| Income before extraordinary items | $802,000 | 3,558 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $802,000 | 3,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,737 |
| Cash dividends | $396,000 | 3,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,233,360 | 2,849 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,025,000 | 2,711 |
| Total interest expense | $4,155,000 | 2,062 |
| Net interest income | $2,870,000 | 3,609 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $315,000 | 4,518 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $160,000 | 3,937 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $155,000 | 4,257 |
| Total noninterest expense | $1,961,000 | 4,302 |
| Salaries and employee benefits | $1,019,000 | 4,461 |
| Premises and equipment expense | $238,000 | 4,642 |
| Additional noninterest expense | $704,000 | 3,710 |
| Pre-tax net operating income | $1,224,000 | 2,556 |
| Securities gains (losses) | $-131,000 | 8,276 |
| Applicable income taxes | $297,000 | 2,225 |
| Income before extraordinary items | $796,000 | 3,062 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $796,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,548 |
| Cash dividends | $148,000 | 3,777 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $891,630 | 2,772 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,488,000 | 2,795 |
| Total interest expense | $2,198,000 | 2,083 |
| Net interest income | $1,290,000 | 3,891 |
| Provision for loan and lease losses | $1,000 | 6,027 |
| Total noninterest income | $165,000 | 4,400 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $70,000 | 4,151 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $95,000 | 3,878 |
| Total noninterest expense | $993,000 | 4,258 |
| Salaries and employee benefits | $530,000 | 4,347 |
| Premises and equipment expense | $118,000 | 4,678 |
| Additional noninterest expense | $345,000 | 3,719 |
| Pre-tax net operating income | $461,000 | 3,225 |
| Securities gains (losses) | $-104,000 | 8,423 |
| Applicable income taxes | $61,000 | 3,354 |
| Income before extraordinary items | $296,000 | 3,823 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $296,000 | 3,827 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $382,320 | 3,201 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,934,000 | 2,875 |
| Total interest expense | $9,452,000 | 2,027 |
| Net interest income | $4,482,000 | 4,303 |
| Provision for loan and lease losses | $4,000 | 6,762 |
| Total noninterest income | $544,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $277,000 | 4,253 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $267,000 | 4,453 |
| Total noninterest expense | $4,167,000 | 3,988 |
| Salaries and employee benefits | $2,236,000 | 4,039 |
| Premises and equipment expense | $402,000 | 5,012 |
| Additional noninterest expense | $1,529,000 | 3,358 |
| Pre-tax net operating income | $855,000 | 5,061 |
| Securities gains (losses) | $-104,000 | 8,159 |
| Applicable income taxes | $-114,000 | 8,035 |
| Income before extraordinary items | $865,000 | 4,622 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $865,000 | 4,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,679 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $969,000 | 4,381 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,445,000 | 2,873 |
| Total interest expense | $7,099,000 | 2,021 |
| Net interest income | $3,346,000 | 4,344 |
| Provision for loan and lease losses | $2,000 | 6,474 |
| Total noninterest income | $397,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $206,000 | 4,278 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $191,000 | 4,572 |
| Total noninterest expense | $3,219,000 | 3,889 |
| Salaries and employee benefits | $1,707,000 | 3,967 |
| Premises and equipment expense | $310,000 | 4,913 |
| Additional noninterest expense | $1,202,000 | 3,193 |
| Pre-tax net operating income | $522,000 | 5,691 |
| Securities gains (losses) | $-23,000 | 7,998 |
| Applicable income taxes | $-54,000 | 8,165 |
| Income before extraordinary items | $553,000 | 5,189 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $553,000 | 5,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 2,761 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $576,000 | 5,083 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,878,000 | 2,929 |
| Total interest expense | $4,714,000 | 2,039 |
| Net interest income | $2,164,000 | 4,452 |
| Provision for loan and lease losses | $2,000 | 6,135 |
| Total noninterest income | $262,000 | 4,987 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $140,000 | 4,239 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $122,000 | 4,722 |
| Total noninterest expense | $2,134,000 | 3,931 |
| Salaries and employee benefits | $1,106,000 | 4,085 |
| Premises and equipment expense | $206,000 | 4,941 |
| Additional noninterest expense | $822,000 | 3,116 |
| Pre-tax net operating income | $290,000 | 6,102 |
| Securities gains (losses) | $-11,000 | 8,018 |
| Applicable income taxes | $-74,000 | 8,348 |
| Income before extraordinary items | $353,000 | 5,327 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $353,000 | 5,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 2,019 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $364,000 | 5,265 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 2,949 |
| Total interest expense | $2,323,000 | 2,056 |
| Net interest income | $1,082,000 | 4,466 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $130,000 | 4,935 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $68,000 | 4,246 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $62,000 | 4,685 |
| Total noninterest expense | $1,066,000 | 3,939 |
| Salaries and employee benefits | $568,000 | 4,037 |
| Premises and equipment expense | $101,000 | 5,017 |
| Additional noninterest expense | $397,000 | 3,190 |
| Pre-tax net operating income | $145,000 | 6,112 |
| Securities gains (losses) | $4,000 | 855 |
| Applicable income taxes | $-25,000 | 8,323 |
| Income before extraordinary items | $174,000 | 5,358 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $174,000 | 5,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $170,000 | 5,392 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,613,000 | 2,958 |
| Total interest expense | $8,089,000 | 2,021 |
| Net interest income | $4,524,000 | 4,322 |
| Provision for loan and lease losses | $94,000 | 4,842 |
| Total noninterest income | $573,000 | 4,839 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $307,000 | 4,087 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $266,000 | 4,531 |
| Total noninterest expense | $4,260,000 | 3,801 |
| Salaries and employee benefits | $2,100,000 | 4,123 |
| Premises and equipment expense | $391,000 | 4,992 |
| Additional noninterest expense | $1,769,000 | 2,864 |
| Pre-tax net operating income | $743,000 | 5,806 |
| Securities gains (losses) | $14,000 | 999 |
| Applicable income taxes | $81,000 | 5,134 |
| Income before extraordinary items | $676,000 | 5,584 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $676,000 | 5,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,021 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $663,540 | 5,592 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,348,000 | 2,970 |
| Total interest expense | $5,867,000 | 2,029 |
| Net interest income | $3,481,000 | 4,264 |
| Provision for loan and lease losses | $92,000 | 4,214 |
| Total noninterest income | $430,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $230,000 | 4,114 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $200,000 | 4,540 |
| Total noninterest expense | $3,207,000 | 3,775 |
| Salaries and employee benefits | $1,586,000 | 4,085 |
| Premises and equipment expense | $296,000 | 4,990 |
| Additional noninterest expense | $1,325,000 | 2,854 |
| Pre-tax net operating income | $612,000 | 5,816 |
| Securities gains (losses) | $-18,000 | 7,797 |
| Applicable income taxes | $61,000 | 5,302 |
| Income before extraordinary items | $533,000 | 5,629 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $533,000 | 5,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,679 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $549,200 | 5,562 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,127,000 | 2,968 |
| Total interest expense | $3,716,000 | 2,022 |
| Net interest income | $2,411,000 | 4,146 |
| Provision for loan and lease losses | $91,000 | 3,450 |
| Total noninterest income | $286,000 | 4,865 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $158,000 | 4,030 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $128,000 | 4,615 |
| Total noninterest expense | $2,144,000 | 3,775 |
| Salaries and employee benefits | $1,067,000 | 4,070 |
| Premises and equipment expense | $204,000 | 4,869 |
| Additional noninterest expense | $873,000 | 2,900 |
| Pre-tax net operating income | $462,000 | 5,584 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $68,000 | 4,956 |
| 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 | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $393,700 | 5,420 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,985,000 | 2,982 |
| Total interest expense | $1,747,000 | 2,041 |
| Net interest income | $1,238,000 | 4,076 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $140,000 | 4,843 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $77,000 | 4,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $63,000 | 4,642 |
| Total noninterest expense | $1,065,000 | 3,817 |
| Salaries and employee benefits | $542,000 | 4,052 |
| Premises and equipment expense | $102,000 | 4,892 |
| Additional noninterest expense | $421,000 | 2,981 |
| Pre-tax net operating income | $253,000 | 5,345 |
| Securities gains (losses) | $4,000 | 719 |
| Applicable income taxes | $42,000 | 4,694 |
| Income before extraordinary items | $215,000 | 5,184 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $215,000 | 5,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $211,640 | 5,232 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,321,000 | 3,072 |
| Total interest expense | $5,139,000 | 2,146 |
| Net interest income | $5,182,000 | 3,851 |
| Provision for loan and lease losses | $247,000 | 3,193 |
| Total noninterest income | $654,000 | 4,574 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $332,000 | 3,957 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $322,000 | 4,187 |
| Total noninterest expense | $4,334,000 | 3,634 |
| Salaries and employee benefits | $2,272,000 | 3,761 |
| Premises and equipment expense | $386,000 | 4,967 |
| Additional noninterest expense | $1,676,000 | 2,957 |
| Pre-tax net operating income | $1,255,000 | 4,812 |
| Securities gains (losses) | $-83,000 | 8,363 |
| Applicable income taxes | $341,000 | 3,939 |
| Income before extraordinary items | $831,000 | 5,257 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $831,000 | 5,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $889,930 | 5,066 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,594,000 | 3,076 |
| Total interest expense | $3,640,000 | 2,142 |
| Net interest income | $3,954,000 | 3,796 |
| Provision for loan and lease losses | $186,000 | 3,074 |
| Total noninterest income | $493,000 | 4,587 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $255,000 | 3,918 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $238,000 | 4,221 |
| Total noninterest expense | $3,286,000 | 3,583 |
| Salaries and employee benefits | $1,766,000 | 3,624 |
| Premises and equipment expense | $293,000 | 4,921 |
| Additional noninterest expense | $1,227,000 | 2,989 |
| Pre-tax net operating income | $975,000 | 4,829 |
| Securities gains (losses) | $-42,000 | 8,415 |
| Applicable income taxes | $289,000 | 3,864 |
| Income before extraordinary items | $644,000 | 5,282 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $644,000 | 5,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,415 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $672,980 | 5,139 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,009,000 | 3,025 |
| Total interest expense | $2,320,000 | 2,122 |
| Net interest income | $2,689,000 | 3,705 |
| Provision for loan and lease losses | $126,000 | 2,931 |
| Total noninterest income | $330,000 | 4,536 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $171,000 | 3,848 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $159,000 | 4,187 |
| Total noninterest expense | $2,167,000 | 3,591 |
| Salaries and employee benefits | $1,190,000 | 3,585 |
| Premises and equipment expense | $188,000 | 5,028 |
| Additional noninterest expense | $789,000 | 3,057 |
| Pre-tax net operating income | $726,000 | 4,525 |
| Securities gains (losses) | $-49,000 | 8,589 |
| Applicable income taxes | $222,000 | 3,612 |
| Income before extraordinary items | $455,000 | 5,124 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $455,000 | 5,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,009 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $487,830 | 4,895 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,458,000 | 3,029 |
| Total interest expense | $1,102,000 | 2,134 |
| Net interest income | $1,356,000 | 3,702 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $151,000 | 4,696 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $80,000 | 3,924 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $71,000 | 4,437 |
| Total noninterest expense | $1,095,000 | 3,579 |
| Salaries and employee benefits | $616,000 | 3,488 |
| Premises and equipment expense | $94,000 | 5,079 |
| Additional noninterest expense | $385,000 | 3,123 |
| Pre-tax net operating income | $352,000 | 4,580 |
| Securities gains (losses) | $38,000 | 620 |
| Applicable income taxes | $134,000 | 3,287 |
| Income before extraordinary items | $256,000 | 4,804 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $256,000 | 4,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $230,920 | 5,037 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,550,000 | 3,240 |
| Total interest expense | $3,493,000 | 2,308 |
| Net interest income | $5,057,000 | 3,778 |
| Provision for loan and lease losses | $225,000 | 3,491 |
| Total noninterest income | $427,000 | 5,650 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $162,000 | 5,640 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $265,000 | 4,513 |
| Total noninterest expense | $4,138,000 | 3,637 |
| Salaries and employee benefits | $2,225,000 | 3,663 |
| Premises and equipment expense | $350,000 | 5,212 |
| Additional noninterest expense | $1,563,000 | 3,027 |
| Pre-tax net operating income | $1,121,000 | 4,949 |
| Securities gains (losses) | $315,000 | 613 |
| Applicable income taxes | $488,000 | 3,391 |
| Income before extraordinary items | $948,000 | 4,837 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $948,000 | 4,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,254 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $740,100 | 5,362 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,233,000 | 3,288 |
| Total interest expense | $2,509,000 | 2,356 |
| Net interest income | $3,724,000 | 3,808 |
| Provision for loan and lease losses | $115,000 | 4,038 |
| Total noninterest income | $323,000 | 5,665 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $122,000 | 5,684 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $201,000 | 4,487 |
| Total noninterest expense | $3,014,000 | 3,701 |
| Salaries and employee benefits | $1,653,000 | 3,677 |
| Premises and equipment expense | $267,000 | 5,121 |
| Additional noninterest expense | $1,094,000 | 3,166 |
| Pre-tax net operating income | $918,000 | 4,826 |
| Securities gains (losses) | $263,000 | 654 |
| Applicable income taxes | $426,000 | 3,195 |
| Income before extraordinary items | $755,000 | 4,768 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $755,000 | 4,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,433 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $586,680 | 5,342 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,078,000 | 3,338 |
| Total interest expense | $1,663,000 | 2,330 |
| Net interest income | $2,415,000 | 3,889 |
| Provision for loan and lease losses | $55,000 | 4,589 |
| Total noninterest income | $229,000 | 5,505 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $84,000 | 5,624 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $145,000 | 4,372 |
| Total noninterest expense | $2,013,000 | 3,719 |
| Salaries and employee benefits | $1,105,000 | 3,686 |
| Premises and equipment expense | $179,000 | 5,131 |
| Additional noninterest expense | $729,000 | 3,196 |
| Pre-tax net operating income | $576,000 | 4,930 |
| Securities gains (losses) | $212,000 | 625 |
| Applicable income taxes | $277,000 | 3,210 |
| Income before extraordinary items | $511,000 | 4,681 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $511,000 | 4,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 2,702 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $373,200 | 5,401 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,030,000 | 3,355 |
| Total interest expense | $814,000 | 2,403 |
| Net interest income | $1,216,000 | 3,854 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $105,000 | 5,670 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $39,000 | 5,736 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $66,000 | 4,555 |
| Total noninterest expense | $1,009,000 | 3,732 |
| Salaries and employee benefits | $551,000 | 3,716 |
| Premises and equipment expense | $91,000 | 5,132 |
| Additional noninterest expense | $367,000 | 3,156 |
| Pre-tax net operating income | $297,000 | 4,831 |
| Securities gains (losses) | $143,000 | 638 |
| Applicable income taxes | $154,000 | 3,042 |
| Income before extraordinary items | $286,000 | 4,398 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $286,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $193,050 | 5,308 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,721,000 | 3,543 |
| Total interest expense | $3,753,000 | 2,361 |
| Net interest income | $3,968,000 | 4,393 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $1,223,000 | 3,260 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $161,000 | 5,737 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,062,000 | 2,300 |
| Total noninterest expense | $3,867,000 | 3,809 |
| Salaries and employee benefits | $1,984,000 | 3,947 |
| Premises and equipment expense | $406,000 | 4,686 |
| Additional noninterest expense | $1,477,000 | 3,129 |
| Pre-tax net operating income | $1,264,000 | 4,551 |
| Securities gains (losses) | $199,000 | 1,348 |
| Applicable income taxes | $513,000 | 3,331 |
| Income before extraordinary items | $950,000 | 4,787 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $950,000 | 4,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,116 |
| Cash dividends | $188,000 | 5,012 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $820,650 | 5,022 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,824,000 | 3,570 |
| Total interest expense | $2,904,000 | 2,370 |
| Net interest income | $2,920,000 | 4,466 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $1,099,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $121,000 | 5,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $978,000 | 2,083 |
| Total noninterest expense | $2,795,000 | 3,899 |
| Salaries and employee benefits | $1,451,000 | 4,029 |
| Premises and equipment expense | $296,000 | 4,754 |
| Additional noninterest expense | $1,048,000 | 3,257 |
| Pre-tax net operating income | $1,179,000 | 4,124 |
| Securities gains (losses) | $198,000 | 1,233 |
| Applicable income taxes | $506,000 | 3,003 |
| Income before extraordinary items | $871,000 | 4,382 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $871,000 | 4,382 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,822 |
| Cash dividends | $188,000 | 4,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $744,280 | 4,611 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,034,000 | 3,492 |
| Total interest expense | $1,995,000 | 2,377 |
| Net interest income | $2,039,000 | 4,337 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $440,000 | 4,031 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $82,000 | 5,716 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $358,000 | 2,979 |
| Total noninterest expense | $1,835,000 | 3,935 |
| Salaries and employee benefits | $932,000 | 4,141 |
| Premises and equipment expense | $198,000 | 4,733 |
| Additional noninterest expense | $705,000 | 3,218 |
| Pre-tax net operating income | $614,000 | 4,768 |
| Securities gains (losses) | $220,000 | 985 |
| Applicable income taxes | $281,000 | 3,353 |
| Income before extraordinary items | $553,000 | 4,532 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $553,000 | 4,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $99,000 | 4,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $407,800 | 5,154 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,040,000 | 3,468 |
| Total interest expense | $1,036,000 | 2,361 |
| Net interest income | $1,004,000 | 4,390 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $247,000 | 3,671 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $40,000 | 5,673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $207,000 | 2,666 |
| Total noninterest expense | $923,000 | 3,920 |
| Salaries and employee benefits | $468,000 | 4,101 |
| Premises and equipment expense | $103,000 | 4,610 |
| Additional noninterest expense | $352,000 | 3,176 |
| Pre-tax net operating income | $313,000 | 4,683 |
| Securities gains (losses) | $42,000 | 1,481 |
| Applicable income taxes | $117,000 | 3,681 |
| Income before extraordinary items | $238,000 | 4,844 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $238,000 | 4,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $99,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $209,860 | 5,023 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,381,000 | 3,191 |
| Total interest expense | $4,622,000 | 2,404 |
| Net interest income | $4,759,000 | 3,811 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $588,000 | 4,785 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $160,000 | 5,703 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $428,000 | 3,574 |
| Total noninterest expense | $3,524,000 | 3,941 |
| Salaries and employee benefits | $1,815,000 | 4,057 |
| Premises and equipment expense | $315,000 | 5,412 |
| Additional noninterest expense | $1,394,000 | 3,143 |
| Pre-tax net operating income | $1,703,000 | 3,789 |
| Securities gains (losses) | $83,000 | 1,920 |
| Applicable income taxes | $568,000 | 3,204 |
| Income before extraordinary items | $1,218,000 | 4,048 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,218,000 | 4,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,528 |
| Cash dividends | $229,000 | 4,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,161,560 | 4,075 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,640,000 | 3,419 |
| Total interest expense | $5,362,000 | 2,965 |
| Net interest income | $4,278,000 | 3,916 |
| Provision for loan and lease losses | $195,000 | 4,194 |
| Total noninterest income | $334,000 | 6,133 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $183,000 | 5,350 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $151,000 | 5,541 |
| Total noninterest expense | $3,136,000 | 4,190 |
| Salaries and employee benefits | $1,617,000 | 4,277 |
| Premises and equipment expense | $374,000 | 4,810 |
| Additional noninterest expense | $1,145,000 | 3,652 |
| Pre-tax net operating income | $1,281,000 | 4,268 |
| Securities gains (losses) | $399,000 | 718 |
| Applicable income taxes | $465,000 | 3,450 |
| Income before extraordinary items | $1,215,000 | 3,771 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,215,000 | 3,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,710 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $927,720 | 4,366 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $9,163,000 | 3,676 |
| Total interest expense | $5,239,000 | 3,174 |
| Net interest income | $3,924,000 | 4,246 |
| Provision for loan and lease losses | $75,000 | 5,850 |
| Total noninterest income | $330,000 | 6,056 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $197,000 | 5,125 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $133,000 | 5,768 |
| Total noninterest expense | $2,963,000 | 4,272 |
| Salaries and employee benefits | $1,407,000 | 4,599 |
| Premises and equipment expense | $396,000 | 4,539 |
| Additional noninterest expense | $1,160,000 | 3,541 |
| Pre-tax net operating income | $1,216,000 | 4,684 |
| Securities gains (losses) | $180,000 | 435 |
| Applicable income taxes | $357,000 | 4,230 |
| Income before extraordinary items | $1,039,000 | 4,267 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,039,000 | 4,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,220 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $905,800 | 4,665 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,470,000 | 4,169 |
| Total interest expense | $3,810,000 | 3,737 |
| Net interest income | $3,660,000 | 4,505 |
| Provision for loan and lease losses | $75,000 | 5,766 |
| Total noninterest income | $348,000 | 6,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 4,937 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $133,000 | 5,903 |
| Total noninterest expense | $2,743,000 | 4,541 |
| Salaries and employee benefits | $1,332,000 | 4,780 |
| Premises and equipment expense | $329,000 | 5,181 |
| Additional noninterest expense | $1,082,000 | 3,755 |
| Pre-tax net operating income | $1,190,000 | 4,790 |
| Securities gains (losses) | $43,000 | 1,044 |
| Applicable income taxes | $422,000 | 4,019 |
| Income before extraordinary items | $811,000 | 5,054 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $811,000 | 5,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $782,620 | 5,123 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,655,000 | 4,583 |
| Total interest expense | $3,408,000 | 4,239 |
| Net interest income | $3,247,000 | 4,865 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $304,000 | 6,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $198,000 | 5,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,504 |
| Total noninterest expense | $2,433,000 | 4,864 |
| Salaries and employee benefits | $1,115,000 | 5,351 |
| Premises and equipment expense | $318,000 | 5,203 |
| Additional noninterest expense | $1,000,000 | 3,961 |
| Pre-tax net operating income | $1,058,000 | 5,250 |
| Securities gains (losses) | $29,000 | 2,139 |
| Applicable income taxes | $386,000 | 4,520 |
| Income before extraordinary items | $701,000 | 5,617 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $701,000 | 5,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,762 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $682,440 | 5,581 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,088,000 | 5,009 |
| Total interest expense | $3,009,000 | 4,699 |
| Net interest income | $3,079,000 | 5,198 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $204,000 | 7,784 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 6,234 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $58,000 | 8,093 |
| Total noninterest expense | $2,071,000 | 5,518 |
| Salaries and employee benefits | $967,000 | 5,976 |
| Premises and equipment expense | $316,000 | 5,267 |
| Additional noninterest expense | $788,000 | 4,784 |
| Pre-tax net operating income | $1,152,000 | 5,377 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $436,000 | 4,626 |
| Income before extraordinary items | $721,000 | 5,810 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $721,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $717,800 | 5,783 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,407,000 | 5,601 |
| Total interest expense | $2,769,000 | 5,118 |
| Net interest income | $2,638,000 | 5,980 |
| Provision for loan and lease losses | $42,000 | 6,906 |
| Total noninterest income | $170,000 | 8,690 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,167 |
| Total noninterest expense | $2,022,000 | 5,904 |
| Salaries and employee benefits | $913,000 | 6,402 |
| Premises and equipment expense | $257,000 | 6,151 |
| Additional noninterest expense | $852,000 | 4,948 |
| Pre-tax net operating income | $744,000 | 6,734 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $285,000 | 6,004 |
| Income before extraordinary items | $466,000 | 7,136 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $466,000 | 7,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 6,197 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $461,520 | 7,106 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,523,000 | 6,434 |
| Total interest expense | $2,204,000 | 6,074 |
| Net interest income | $2,319,000 | 6,643 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $188,000 | 8,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,064 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 8,889 |
| Total noninterest expense | $1,952,000 | 6,104 |
| Salaries and employee benefits | $879,000 | 6,663 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $833,000 | 5,090 |
| Pre-tax net operating income | $535,000 | 8,252 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $221,000 | 7,081 |
| Income before extraordinary items | $314,000 | 8,798 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $314,000 | 8,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,497 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $314,000 | 8,754 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 6,288 |
| Total interest expense | $1,825,000 | 6,002 |
| Net interest income | $2,542,000 | 6,382 |
| Provision for loan and lease losses | $24,000 | 7,499 |
| Total noninterest income | $175,000 | 9,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $131,000 | 7,336 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 9,933 |
| Total noninterest expense | $2,233,000 | 5,673 |
| Salaries and employee benefits | $1,115,000 | 5,585 |
| Premises and equipment expense | $231,000 | 6,847 |
| Additional noninterest expense | $887,000 | 5,236 |
| Pre-tax net operating income | $460,000 | 8,917 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $227,000 | 6,901 |
| Income before extraordinary items | $240,000 | 9,807 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $240,000 | 9,819 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 10,447 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $235,520 | 9,927 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,783,000 | 6,004 |
| Total interest expense | $2,005,000 | 5,821 |
| Net interest income | $2,778,000 | 6,014 |
| Provision for loan and lease losses | $111,000 | 5,491 |
| Total noninterest income | $196,000 | 9,304 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 7,664 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,126 |
| Total noninterest expense | $1,864,000 | 6,712 |
| Salaries and employee benefits | $784,000 | 7,415 |
| Premises and equipment expense | $235,000 | 6,992 |
| Additional noninterest expense | $845,000 | 5,656 |
| Pre-tax net operating income | $999,000 | 5,888 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $435,000 | 4,712 |
| Income before extraordinary items | $564,000 | 7,051 |
| Extraordinary gains, net | $50,000 | 2,172 |
| Net income | $614,000 | 6,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 6,513 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $564,000 | 6,790 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,655,000 | 5,768 |
| Total interest expense | $2,889,000 | 5,316 |
| Net interest income | $2,766,000 | 6,099 |
| Provision for loan and lease losses | $106,000 | 7,118 |
| Total noninterest income | $164,000 | 10,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $122,000 | 7,902 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 10,916 |
| Total noninterest expense | $1,751,000 | 7,103 |
| Salaries and employee benefits | $754,000 | 7,581 |
| Premises and equipment expense | $198,000 | 7,887 |
| Additional noninterest expense | $799,000 | 6,075 |
| Pre-tax net operating income | $1,073,000 | 5,355 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $466,000 | 4,232 |
| Income before extraordinary items | $607,000 | 6,529 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $607,000 | 6,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 8,449 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $607,000 | 6,158 |
* 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.