Home > Xenith Bank > Income and Expense
Xenith Bank, Income and Expense
| 2016-06-30 (YTD Data) | Rank | |
| Total interest income | $18,960,000 | 704 |
| Total interest expense | $3,218,000 | 458 |
| Net interest income | $15,742,000 | 751 |
| Provision for loan and lease losses | $395,000 | 1,030 |
| Total noninterest income | $666,000 | 2,611 |
| Gross Fiduciary activities income | $0 | 1,122 |
| Service charges on deposit accounts | $316,000 | 1,740 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $350,000 | 2,837 |
| Total noninterest expense | $13,440,000 | 791 |
| Salaries and employee benefits | $6,985,000 | 844 |
| Premises and equipment expense | $847,000 | 1,361 |
| Additional noninterest expense | $5,608,000 | 613 |
| Pre-tax net operating income | $2,573,000 | 1,597 |
| Securities gains (losses) | $135,000 | 789 |
| Applicable income taxes | $1,010,000 | 1,073 |
| Income before extraordinary items | $1,698,000 | 1,901 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,698,000 | 1,900 |
| Minority interest net income | $0 | 71 |
| Net income of bank and minority interests. | $1,698,000 | 1,900 |
| Net charge-offs | $559,000 | 551 |
| Cash dividends | $0 | 3,654 |
| Sale, conversion, retirement of capital stock, net | $599,000 | 157 |
| Net operating income | $1,611,600 | 1,923 |
| 2016-03-31 (YTD Data) | Rank | |
| Total interest income | $9,573,000 | 697 |
| Total interest expense | $1,607,000 | 449 |
| Net interest income | $7,966,000 | 739 |
| Provision for loan and lease losses | $190,000 | 1,007 |
| Total noninterest income | $363,000 | 2,471 |
| Gross Fiduciary activities income | $0 | 1,076 |
| Service charges on deposit accounts | $152,000 | 1,784 |
| Trading account gains and fees | $0 | 142 |
| Additional Noninterest Income | $211,000 | 2,550 |
| Total noninterest expense | $6,920,000 | 765 |
| Salaries and employee benefits | $3,517,000 | 837 |
| Premises and equipment expense | $409,000 | 1,408 |
| Additional noninterest expense | $2,994,000 | 571 |
| Pre-tax net operating income | $1,219,000 | 1,645 |
| Securities gains (losses) | $0 | 2,077 |
| Applicable income taxes | $638,000 | 875 |
| Income before extraordinary items | $581,000 | 2,491 |
| Extraordinary gains, net | $0 | 12 |
| Net income | $581,000 | 2,491 |
| Minority interest net income | $0 | 62 |
| Net income of bank and minority interests. | $581,000 | 2,491 |
| Net charge-offs | $432,000 | 378 |
| Cash dividends | $0 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $416,000 | 112 |
| Net operating income | $581,000 | 2,444 |
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $36,841,000 | 694 |
| Total interest expense | $5,721,000 | 480 |
| Net interest income | $31,120,000 | 721 |
| Provision for loan and lease losses | $2,599,000 | 361 |
| Total noninterest income | $1,330,000 | 2,635 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $617,000 | 1,809 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $713,000 | 2,810 |
| Total noninterest expense | $23,187,000 | 895 |
| Salaries and employee benefits | $12,979,000 | 873 |
| Premises and equipment expense | $1,661,000 | 1,395 |
| Additional noninterest expense | $8,547,000 | 769 |
| Pre-tax net operating income | $6,664,000 | 1,249 |
| Securities gains (losses) | $58,000 | 1,540 |
| Applicable income taxes | $1,823,000 | 1,069 |
| Income before extraordinary items | $4,899,000 | 1,380 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $4,899,000 | 1,379 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $4,899,000 | 1,380 |
| Net charge-offs | $1,392,000 | 521 |
| Cash dividends | $0 | 4,291 |
| Sale, conversion, retirement of capital stock, net | $843,000 | 250 |
| Net operating income | $4,856,660 | 1,365 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $26,819,000 | 716 |
| Total interest expense | $4,185,000 | 494 |
| Net interest income | $22,634,000 | 747 |
| Provision for loan and lease losses | $1,608,000 | 398 |
| Total noninterest income | $871,000 | 2,859 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $464,000 | 1,820 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $407,000 | 3,192 |
| Total noninterest expense | $17,473,000 | 898 |
| Salaries and employee benefits | $9,837,000 | 869 |
| Premises and equipment expense | $1,250,000 | 1,395 |
| Additional noninterest expense | $6,386,000 | 775 |
| Pre-tax net operating income | $4,424,000 | 1,410 |
| Securities gains (losses) | $58,000 | 1,371 |
| Applicable income taxes | $1,301,000 | 1,151 |
| Income before extraordinary items | $3,181,000 | 1,548 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,181,000 | 1,548 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $3,181,000 | 1,549 |
| Net charge-offs | $665,000 | 707 |
| Cash dividends | $0 | 3,825 |
| Sale, conversion, retirement of capital stock, net | $633,000 | 222 |
| Net operating income | $3,139,820 | 1,528 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $17,595,000 | 730 |
| Total interest expense | $2,748,000 | 505 |
| Net interest income | $14,847,000 | 762 |
| Provision for loan and lease losses | $1,265,000 | 358 |
| Total noninterest income | $742,000 | 2,530 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $307,000 | 1,807 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $435,000 | 2,573 |
| Total noninterest expense | $11,530,000 | 909 |
| Salaries and employee benefits | $6,487,000 | 879 |
| Premises and equipment expense | $825,000 | 1,427 |
| Additional noninterest expense | $4,218,000 | 784 |
| Pre-tax net operating income | $2,794,000 | 1,464 |
| Securities gains (losses) | $81,000 | 940 |
| Applicable income taxes | $855,000 | 1,146 |
| Income before extraordinary items | $2,020,000 | 1,603 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,020,000 | 1,606 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $2,020,000 | 1,606 |
| Net charge-offs | $521,000 | 622 |
| Cash dividends | $0 | 3,664 |
| Sale, conversion, retirement of capital stock, net | $519,000 | 192 |
| Net operating income | $1,963,300 | 1,594 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $8,738,000 | 736 |
| Total interest expense | $1,358,000 | 512 |
| Net interest income | $7,380,000 | 765 |
| Provision for loan and lease losses | $565,000 | 374 |
| Total noninterest income | $344,000 | 2,597 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $163,000 | 1,725 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $181,000 | 2,760 |
| Total noninterest expense | $5,718,000 | 912 |
| Salaries and employee benefits | $3,282,000 | 870 |
| Premises and equipment expense | $427,000 | 1,406 |
| Additional noninterest expense | $2,009,000 | 813 |
| Pre-tax net operating income | $1,441,000 | 1,389 |
| Securities gains (losses) | $67,000 | 732 |
| Applicable income taxes | $447,000 | 1,096 |
| Income before extraordinary items | $1,061,000 | 1,508 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $1,061,000 | 1,509 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $1,061,000 | 1,510 |
| Net charge-offs | $324,000 | 511 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $193,000 | 192 |
| Net operating income | $1,014,100 | 1,516 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $31,186,000 | 800 |
| Total interest expense | $4,488,000 | 646 |
| Net interest income | $26,698,000 | 828 |
| Provision for loan and lease losses | $3,220,000 | 307 |
| Total noninterest income | $1,250,000 | 2,781 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $603,000 | 1,952 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $647,000 | 2,937 |
| Total noninterest expense | $22,652,000 | 892 |
| Salaries and employee benefits | $12,496,000 | 877 |
| Premises and equipment expense | $1,621,000 | 1,467 |
| Additional noninterest expense | $8,535,000 | 768 |
| Pre-tax net operating income | $2,076,000 | 2,916 |
| Securities gains (losses) | $428,000 | 462 |
| Applicable income taxes | $934,000 | 1,618 |
| Income before extraordinary items | $1,570,000 | 3,165 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $1,570,000 | 3,165 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,570,000 | 3,166 |
| Net charge-offs | $2,114,000 | 481 |
| Cash dividends | $0 | 4,358 |
| Sale, conversion, retirement of capital stock, net | $16,972,000 | 24 |
| Net operating income | $1,296,080 | 3,436 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $22,443,000 | 841 |
| Total interest expense | $3,119,000 | 699 |
| Net interest income | $19,324,000 | 858 |
| Provision for loan and lease losses | $2,390,000 | 297 |
| Total noninterest income | $899,000 | 2,858 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $419,000 | 2,093 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $480,000 | 2,960 |
| Total noninterest expense | $16,360,000 | 918 |
| Salaries and employee benefits | $8,856,000 | 925 |
| Premises and equipment expense | $1,192,000 | 1,499 |
| Additional noninterest expense | $6,312,000 | 782 |
| Pre-tax net operating income | $1,473,000 | 3,064 |
| Securities gains (losses) | $39,000 | 1,599 |
| Applicable income taxes | $646,000 | 1,737 |
| Income before extraordinary items | $866,000 | 3,773 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $866,000 | 3,776 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $866,000 | 3,777 |
| Net charge-offs | $1,951,000 | 395 |
| Cash dividends | $0 | 3,845 |
| Sale, conversion, retirement of capital stock, net | $16,784,000 | 23 |
| Net operating income | $841,040 | 3,770 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $13,041,000 | 972 |
| Total interest expense | $1,828,000 | 821 |
| Net interest income | $11,213,000 | 995 |
| Provision for loan and lease losses | $830,000 | 539 |
| Total noninterest income | $527,000 | 3,014 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $262,000 | 2,193 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $265,000 | 3,207 |
| Total noninterest expense | $10,537,000 | 952 |
| Salaries and employee benefits | $5,607,000 | 974 |
| Premises and equipment expense | $743,000 | 1,600 |
| Additional noninterest expense | $4,187,000 | 783 |
| Pre-tax net operating income | $373,000 | 4,624 |
| Securities gains (losses) | $21,000 | 1,622 |
| Applicable income taxes | $260,000 | 2,164 |
| Income before extraordinary items | $134,000 | 5,573 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $134,000 | 5,575 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $134,000 | 5,576 |
| Net charge-offs | $43,000 | 2,918 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $534,000 | 162 |
| Net operating income | $120,560 | 5,599 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $6,331,000 | 1,003 |
| Total interest expense | $867,000 | 883 |
| Net interest income | $5,464,000 | 1,025 |
| Provision for loan and lease losses | $227,000 | 902 |
| Total noninterest income | $357,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $133,000 | 2,134 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $224,000 | 2,397 |
| Total noninterest expense | $5,040,000 | 1,020 |
| Salaries and employee benefits | $2,823,000 | 978 |
| Premises and equipment expense | $364,000 | 1,651 |
| Additional noninterest expense | $1,853,000 | 858 |
| Pre-tax net operating income | $554,000 | 2,712 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $239,000 | 1,550 |
| Income before extraordinary items | $315,000 | 3,462 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $315,000 | 3,465 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $315,000 | 3,465 |
| Net charge-offs | $35,000 | 2,123 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $348,000 | 131 |
| Net operating income | $315,000 | 3,418 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $25,632,000 | 988 |
| Total interest expense | $3,485,000 | 968 |
| Net interest income | $22,147,000 | 986 |
| Provision for loan and lease losses | $1,486,000 | 800 |
| Total noninterest income | $1,405,000 | 2,698 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $442,000 | 2,618 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $963,000 | 2,433 |
| Total noninterest expense | $18,936,000 | 1,080 |
| Salaries and employee benefits | $11,317,000 | 944 |
| Premises and equipment expense | $1,890,000 | 1,252 |
| Additional noninterest expense | $5,729,000 | 1,178 |
| Pre-tax net operating income | $3,130,000 | 2,103 |
| Securities gains (losses) | $291,000 | 705 |
| Applicable income taxes | $1,191,000 | 1,309 |
| Income before extraordinary items | $2,230,000 | 2,397 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,230,000 | 2,401 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $2,230,000 | 2,400 |
| Net charge-offs | $940,000 | 1,338 |
| Cash dividends | $1,282,000 | 1,623 |
| Sale, conversion, retirement of capital stock, net | $629,000 | 264 |
| Net operating income | $2,040,850 | 2,500 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $19,186,000 | 1,002 |
| Total interest expense | $2,622,000 | 1,002 |
| Net interest income | $16,564,000 | 996 |
| Provision for loan and lease losses | $913,000 | 942 |
| Total noninterest income | $1,089,000 | 2,689 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $312,000 | 2,753 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $777,000 | 2,378 |
| Total noninterest expense | $14,102,000 | 1,087 |
| Salaries and employee benefits | $8,548,000 | 945 |
| Premises and equipment expense | $1,404,000 | 1,268 |
| Additional noninterest expense | $4,150,000 | 1,205 |
| Pre-tax net operating income | $2,638,000 | 1,956 |
| Securities gains (losses) | $291,000 | 651 |
| Applicable income taxes | $1,022,000 | 1,225 |
| Income before extraordinary items | $1,907,000 | 2,215 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,907,000 | 2,221 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,907,000 | 2,221 |
| Net charge-offs | $600,000 | 1,427 |
| Cash dividends | $1,282,000 | 1,211 |
| Sale, conversion, retirement of capital stock, net | $482,000 | 234 |
| Net operating income | $1,717,850 | 2,324 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $12,292,000 | 1,028 |
| Total interest expense | $1,790,000 | 1,007 |
| Net interest income | $10,502,000 | 1,040 |
| Provision for loan and lease losses | $415,000 | 1,345 |
| Total noninterest income | $743,000 | 2,668 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $199,000 | 2,796 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $544,000 | 2,367 |
| Total noninterest expense | $9,436,000 | 1,083 |
| Salaries and employee benefits | $5,748,000 | 938 |
| Premises and equipment expense | $938,000 | 1,274 |
| Additional noninterest expense | $2,750,000 | 1,211 |
| Pre-tax net operating income | $1,394,000 | 2,329 |
| Securities gains (losses) | $291,000 | 573 |
| Applicable income taxes | $588,000 | 1,376 |
| Income before extraordinary items | $1,097,000 | 2,442 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,097,000 | 2,449 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,097,000 | 2,448 |
| Net charge-offs | $397,000 | 1,449 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $332,000 | 210 |
| Net operating income | $907,850 | 2,734 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $6,187,000 | 1,028 |
| Total interest expense | $939,000 | 995 |
| Net interest income | $5,248,000 | 1,038 |
| Provision for loan and lease losses | $411,000 | 781 |
| Total noninterest income | $502,000 | 2,224 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $94,000 | 2,904 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $408,000 | 1,834 |
| Total noninterest expense | $4,704,000 | 1,094 |
| Salaries and employee benefits | $2,958,000 | 926 |
| Premises and equipment expense | $464,000 | 1,308 |
| Additional noninterest expense | $1,282,000 | 1,291 |
| Pre-tax net operating income | $635,000 | 2,453 |
| Securities gains (losses) | $159,000 | 549 |
| Applicable income taxes | $290,000 | 1,367 |
| Income before extraordinary items | $504,000 | 2,571 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $504,000 | 2,574 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $504,000 | 2,573 |
| Net charge-offs | $160,000 | 1,529 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 183 |
| Net operating income | $402,240 | 2,934 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $25,976,000 | 1,015 |
| Total interest expense | $3,947,000 | 1,134 |
| Net interest income | $22,029,000 | 997 |
| Provision for loan and lease losses | $1,819,000 | 1,152 |
| Total noninterest income | $523,000 | 4,427 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $304,000 | 3,463 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $219,000 | 4,481 |
| Total noninterest expense | $17,648,000 | 1,141 |
| Salaries and employee benefits | $10,579,000 | 991 |
| Premises and equipment expense | $1,974,000 | 1,196 |
| Additional noninterest expense | $5,095,000 | 1,333 |
| Pre-tax net operating income | $3,085,000 | 2,038 |
| Securities gains (losses) | $220,000 | 1,613 |
| Applicable income taxes | $-4,401,000 | 7,043 |
| Income before extraordinary items | $7,706,000 | 781 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $7,706,000 | 779 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $7,706,000 | 781 |
| Net charge-offs | $1,164,000 | 1,658 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $491,000 | 313 |
| Net operating income | $7,486,000 | 747 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $19,483,000 | 1,036 |
| Total interest expense | $3,013,000 | 1,176 |
| Net interest income | $16,470,000 | 1,007 |
| Provision for loan and lease losses | $1,383,000 | 1,149 |
| Total noninterest income | $376,000 | 4,540 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $213,000 | 3,629 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $163,000 | 4,521 |
| Total noninterest expense | $13,293,000 | 1,130 |
| Salaries and employee benefits | $8,676,000 | 906 |
| Premises and equipment expense | $1,497,000 | 1,189 |
| Additional noninterest expense | $3,120,000 | 1,611 |
| Pre-tax net operating income | $2,170,000 | 2,201 |
| Securities gains (losses) | $220,000 | 1,358 |
| Applicable income taxes | $-4,949,000 | 7,154 |
| Income before extraordinary items | $7,339,000 | 645 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $7,339,000 | 642 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $7,339,000 | 645 |
| Net charge-offs | $936,000 | 1,534 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $212,000 | 336 |
| Net operating income | $7,119,000 | 632 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $12,670,000 | 1,085 |
| Total interest expense | $2,027,000 | 1,208 |
| Net interest income | $10,643,000 | 1,040 |
| Provision for loan and lease losses | $906,000 | 1,188 |
| Total noninterest income | $390,000 | 3,699 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $132,000 | 3,767 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $258,000 | 3,291 |
| Total noninterest expense | $9,011,000 | 1,105 |
| Salaries and employee benefits | $5,794,000 | 904 |
| Premises and equipment expense | $1,003,000 | 1,183 |
| Additional noninterest expense | $2,214,000 | 1,532 |
| Pre-tax net operating income | $1,116,000 | 2,648 |
| Securities gains (losses) | $218,000 | 1,047 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $1,334,000 | 2,082 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,334,000 | 2,081 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,334,000 | 2,082 |
| Net charge-offs | $767,000 | 1,364 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $128,000 | 325 |
| Net operating income | $1,116,000 | 2,273 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $6,123,000 | 1,125 |
| Total interest expense | $1,057,000 | 1,208 |
| Net interest income | $5,066,000 | 1,099 |
| Provision for loan and lease losses | $360,000 | 1,338 |
| Total noninterest income | $136,000 | 4,429 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $59,000 | 3,983 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $77,000 | 4,070 |
| Total noninterest expense | $4,677,000 | 1,064 |
| Salaries and employee benefits | $2,938,000 | 884 |
| Premises and equipment expense | $519,000 | 1,155 |
| Additional noninterest expense | $1,220,000 | 1,382 |
| Pre-tax net operating income | $165,000 | 4,790 |
| Securities gains (losses) | $219,000 | 566 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $384,000 | 3,158 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $384,000 | 3,162 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $384,000 | 3,162 |
| Net charge-offs | $428,000 | 1,200 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 287 |
| Net operating income | $165,000 | 4,552 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $18,897,000 | 1,506 |
| Total interest expense | $2,646,000 | 2,180 |
| Net interest income | $16,251,000 | 1,371 |
| Provision for loan and lease losses | $4,005,000 | 946 |
| Total noninterest income | $8,924,000 | 676 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $203,000 | 4,345 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $8,721,000 | 482 |
| Total noninterest expense | $16,184,000 | 1,216 |
| Salaries and employee benefits | $9,440,000 | 1,042 |
| Premises and equipment expense | $2,111,000 | 1,186 |
| Additional noninterest expense | $4,633,000 | 1,481 |
| Pre-tax net operating income | $4,986,000 | 1,179 |
| Securities gains (losses) | $65,000 | 2,393 |
| Applicable income taxes | $75,000 | 3,546 |
| Income before extraordinary items | $4,976,000 | 1,012 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,976,000 | 1,012 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $4,976,000 | 1,012 |
| Net charge-offs | $1,329,000 | 2,036 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $24,222,000 | 30 |
| Net operating income | $4,911,650 | 981 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,262,000 | 1,751 |
| Total interest expense | $1,797,000 | 2,492 |
| Net interest income | $10,465,000 | 1,607 |
| Provision for loan and lease losses | $3,100,000 | 910 |
| Total noninterest income | $8,705,000 | 556 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $133,000 | 4,607 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $8,572,000 | 391 |
| Total noninterest expense | $11,562,000 | 1,280 |
| Salaries and employee benefits | $6,775,000 | 1,093 |
| Premises and equipment expense | $1,588,000 | 1,188 |
| Additional noninterest expense | $3,199,000 | 1,599 |
| Pre-tax net operating income | $4,508,000 | 1,031 |
| Securities gains (losses) | $64,000 | 2,145 |
| Applicable income taxes | $57,000 | 3,550 |
| Income before extraordinary items | $4,515,000 | 854 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,515,000 | 853 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $4,515,000 | 854 |
| Net charge-offs | $1,294,000 | 1,648 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $24,170,000 | 26 |
| Net operating income | $4,451,640 | 821 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,617,000 | 2,158 |
| Total interest expense | $985,000 | 2,981 |
| Net interest income | $5,632,000 | 1,952 |
| Provision for loan and lease losses | $1,480,000 | 1,144 |
| Total noninterest income | $162,000 | 5,188 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $91,000 | 4,565 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 5,058 |
| Total noninterest expense | $6,693,000 | 1,472 |
| Salaries and employee benefits | $4,181,000 | 1,198 |
| Premises and equipment expense | $1,009,000 | 1,269 |
| Additional noninterest expense | $1,503,000 | 2,236 |
| Pre-tax net operating income | $-2,379,000 | 7,221 |
| Securities gains (losses) | $27,000 | 1,941 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-2,352,000 | 7,240 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,352,000 | 7,240 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-2,352,000 | 7,241 |
| Net charge-offs | $260,000 | 2,843 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $16,585,000 | 25 |
| Net operating income | $-2,379,000 | 7,234 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,277,000 | 2,187 |
| Total interest expense | $500,000 | 3,043 |
| Net interest income | $2,777,000 | 1,974 |
| Provision for loan and lease losses | $970,000 | 884 |
| Total noninterest income | $135,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $33,000 | 5,074 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $102,000 | 3,535 |
| Total noninterest expense | $3,315,000 | 1,496 |
| Salaries and employee benefits | $2,086,000 | 1,214 |
| Premises and equipment expense | $509,000 | 1,283 |
| Additional noninterest expense | $720,000 | 2,305 |
| Pre-tax net operating income | $-1,373,000 | 7,336 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-1,373,000 | 7,350 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-1,373,000 | 7,350 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-1,373,000 | 7,351 |
| Net charge-offs | $233,000 | 1,984 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $29,000 | 469 |
| Net operating income | $-1,373,000 | 7,349 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $10,775,000 | 2,765 |
| Total interest expense | $2,166,000 | 3,344 |
| Net interest income | $8,609,000 | 2,553 |
| Provision for loan and lease losses | $1,990,000 | 2,081 |
| Total noninterest income | $359,000 | 5,122 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $137,000 | 5,057 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $222,000 | 4,433 |
| Total noninterest expense | $13,002,000 | 1,519 |
| Salaries and employee benefits | $7,132,000 | 1,377 |
| Premises and equipment expense | $1,958,000 | 1,319 |
| Additional noninterest expense | $3,912,000 | 1,846 |
| Pre-tax net operating income | $-6,024,000 | 7,186 |
| Securities gains (losses) | $108,000 | 2,101 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-5,916,000 | 7,233 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-5,916,000 | 7,233 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-5,916,000 | 7,233 |
| Net charge-offs | $224,000 | 4,642 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $100,000 | 782 |
| Net operating income | $-6,024,000 | 7,222 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,552,000 | 3,005 |
| Total interest expense | $1,605,000 | 3,520 |
| Net interest income | $5,947,000 | 2,773 |
| Provision for loan and lease losses | $1,250,000 | 2,212 |
| Total noninterest income | $243,000 | 5,375 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $98,000 | 5,207 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $145,000 | 4,699 |
| Total noninterest expense | $10,040,000 | 1,473 |
| Salaries and employee benefits | $5,450,000 | 1,352 |
| Premises and equipment expense | $1,460,000 | 1,338 |
| Additional noninterest expense | $3,130,000 | 1,698 |
| Pre-tax net operating income | $-5,100,000 | 7,369 |
| Securities gains (losses) | $108,000 | 1,878 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-4,992,000 | 7,419 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,992,000 | 7,419 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,992,000 | 7,419 |
| Net charge-offs | $20,000 | 6,019 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $180,000 | 523 |
| Net operating income | $-5,100,000 | 7,410 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,638,000 | 3,243 |
| Total interest expense | $1,023,000 | 3,743 |
| Net interest income | $3,615,000 | 3,040 |
| Provision for loan and lease losses | $510,000 | 2,820 |
| Total noninterest income | $153,000 | 5,451 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $60,000 | 5,340 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $93,000 | 4,743 |
| Total noninterest expense | $6,695,000 | 1,479 |
| Salaries and employee benefits | $3,597,000 | 1,381 |
| Premises and equipment expense | $951,000 | 1,391 |
| Additional noninterest expense | $2,147,000 | 1,637 |
| Pre-tax net operating income | $-3,437,000 | 7,434 |
| Securities gains (losses) | $101,000 | 1,408 |
| Applicable income taxes | $-294,000 | 7,391 |
| Income before extraordinary items | $-3,042,000 | 7,452 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,042,000 | 7,452 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,042,000 | 7,452 |
| Net charge-offs | $49,000 | 4,905 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $120,000 | 447 |
| Net operating income | $-3,133,910 | 7,450 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,032,000 | 3,666 |
| Total interest expense | $514,000 | 3,856 |
| Net interest income | $1,518,000 | 3,522 |
| Provision for loan and lease losses | $40,000 | 5,088 |
| Total noninterest income | $74,000 | 5,551 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $29,000 | 5,402 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $45,000 | 4,859 |
| Total noninterest expense | $3,047,000 | 1,642 |
| Salaries and employee benefits | $1,733,000 | 1,447 |
| Premises and equipment expense | $480,000 | 1,420 |
| Additional noninterest expense | $834,000 | 2,037 |
| Pre-tax net operating income | $-1,495,000 | 7,520 |
| Securities gains (losses) | $99,000 | 788 |
| Applicable income taxes | $-294,000 | 7,624 |
| Income before extraordinary items | $-1,102,000 | 7,492 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,102,000 | 7,493 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,102,000 | 7,493 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,180,210 | 7,506 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $213,000 | 7,972 |
| Total interest expense | $82,000 | 7,922 |
| Net interest income | $131,000 | 7,976 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $15,000 | 7,619 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $4,000 | 7,067 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $11,000 | 7,168 |
| Total noninterest expense | $532,000 | 7,851 |
| Salaries and employee benefits | $127,000 | 7,976 |
| Premises and equipment expense | $37,000 | 7,863 |
| Additional noninterest expense | $368,000 | 7,202 |
| Pre-tax net operating income | $-386,000 | 5,894 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-131,000 | 6,638 |
| Income before extraordinary items | $-255,000 | 5,876 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-255,000 | 5,875 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-255,000 | 5,875 |
| Net charge-offs | $488,000 | 3,826 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-255,000 | 5,881 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,780,000 | 3,539 |
| Total interest expense | $3,410,000 | 2,563 |
| Net interest income | $3,370,000 | 4,249 |
| Provision for loan and lease losses | $1,570,000 | 2,161 |
| Total noninterest income | $283,000 | 5,295 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $114,000 | 5,168 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $169,000 | 4,580 |
| Total noninterest expense | $4,416,000 | 3,239 |
| Salaries and employee benefits | $1,701,000 | 4,001 |
| Premises and equipment expense | $382,000 | 4,372 |
| Additional noninterest expense | $2,333,000 | 2,242 |
| Pre-tax net operating income | $-2,333,000 | 7,147 |
| Securities gains (losses) | $232,000 | 1,189 |
| Applicable income taxes | $-714,000 | 7,452 |
| Income before extraordinary items | $-1,387,000 | 6,953 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,387,000 | 6,954 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,387,000 | 6,954 |
| Net charge-offs | $255,000 | 3,939 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,540,120 | 7,004 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,629,000 | 3,512 |
| Total interest expense | $2,324,000 | 2,613 |
| Net interest income | $2,305,000 | 4,136 |
| Provision for loan and lease losses | $640,000 | 2,613 |
| Total noninterest income | $198,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $140,000 | 4,011 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $58,000 | 5,624 |
| Total noninterest expense | $2,767,000 | 3,437 |
| Salaries and employee benefits | $1,057,000 | 4,272 |
| Premises and equipment expense | $165,000 | 5,542 |
| Additional noninterest expense | $1,545,000 | 2,271 |
| Pre-tax net operating income | $-904,000 | 6,960 |
| Securities gains (losses) | $232,000 | 925 |
| Applicable income taxes | $-228,000 | 7,338 |
| Income before extraordinary items | $-444,000 | 6,699 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-444,000 | 6,700 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-444,000 | 6,700 |
| Net charge-offs | $137,000 | 3,877 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-597,120 | 6,841 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 3,496 |
| Total interest expense | $1,172,000 | 2,681 |
| Net interest income | $1,183,000 | 4,075 |
| Provision for loan and lease losses | $40,000 | 5,160 |
| Total noninterest income | $104,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $70,000 | 3,970 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $34,000 | 5,436 |
| Total noninterest expense | $1,047,000 | 4,169 |
| Salaries and employee benefits | $518,000 | 4,352 |
| Premises and equipment expense | $83,000 | 5,572 |
| Additional noninterest expense | $446,000 | 3,291 |
| Pre-tax net operating income | $200,000 | 4,045 |
| Securities gains (losses) | $217,000 | 636 |
| Applicable income taxes | $142,000 | 1,798 |
| Income before extraordinary items | $275,000 | 3,278 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $275,000 | 3,277 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $275,000 | 3,278 |
| Net charge-offs | $133,000 | 2,543 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $131,780 | 4,399 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $9,968,000 | 3,530 |
| Total interest expense | $5,558,000 | 2,696 |
| Net interest income | $4,410,000 | 4,278 |
| Provision for loan and lease losses | $835,000 | 2,972 |
| Total noninterest income | $674,000 | 4,219 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $308,000 | 3,970 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $366,000 | 3,735 |
| Total noninterest expense | $3,887,000 | 4,330 |
| Salaries and employee benefits | $2,145,000 | 4,227 |
| Premises and equipment expense | $344,000 | 5,470 |
| Additional noninterest expense | $1,398,000 | 3,812 |
| Pre-tax net operating income | $362,000 | 5,241 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $117,000 | 3,262 |
| Income before extraordinary items | $245,000 | 5,312 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $245,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 5,088 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $245,000 | 5,474 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,413,000 | 3,626 |
| Total interest expense | $4,280,000 | 2,731 |
| Net interest income | $3,133,000 | 4,491 |
| Provision for loan and lease losses | $220,000 | 4,063 |
| Total noninterest income | $589,000 | 3,996 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $147,000 | 4,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $442,000 | 3,009 |
| Total noninterest expense | $2,881,000 | 4,349 |
| Salaries and employee benefits | $1,616,000 | 4,229 |
| Premises and equipment expense | $259,000 | 5,483 |
| Additional noninterest expense | $1,006,000 | 3,850 |
| Pre-tax net operating income | $621,000 | 4,590 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $207,000 | 2,875 |
| Income before extraordinary items | $414,000 | 4,735 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $414,000 | 4,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,727 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $414,000 | 4,905 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 3,706 |
| Total interest expense | $2,908,000 | 2,784 |
| Net interest income | $1,964,000 | 4,674 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $586,000 | 3,182 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $149,000 | 4,068 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $437,000 | 2,446 |
| Total noninterest expense | $1,920,000 | 4,371 |
| Salaries and employee benefits | $1,094,000 | 4,226 |
| Premises and equipment expense | $269,000 | 4,307 |
| Additional noninterest expense | $557,000 | 4,404 |
| Pre-tax net operating income | $510,000 | 4,342 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $171,000 | 2,866 |
| Income before extraordinary items | $339,000 | 4,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $339,000 | 4,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,608 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $339,000 | 4,733 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 3,751 |
| Total interest expense | $1,427,000 | 3,020 |
| Net interest income | $1,056,000 | 4,442 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $391,000 | 2,637 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $80,000 | 3,888 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $311,000 | 1,927 |
| Total noninterest expense | $994,000 | 4,250 |
| Salaries and employee benefits | $554,000 | 4,206 |
| Premises and equipment expense | $167,000 | 3,686 |
| Additional noninterest expense | $273,000 | 4,411 |
| Pre-tax net operating income | $393,000 | 3,583 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $133,000 | 2,470 |
| Income before extraordinary items | $260,000 | 4,117 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $260,000 | 4,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $260,000 | 4,017 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,552,000 | 4,180 |
| Total interest expense | $4,530,000 | 3,702 |
| Net interest income | $4,022,000 | 4,611 |
| Provision for loan and lease losses | $111,000 | 4,765 |
| Total noninterest income | $460,000 | 5,211 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $279,000 | 4,232 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $181,000 | 5,259 |
| Total noninterest expense | $3,451,000 | 4,571 |
| Salaries and employee benefits | $1,866,000 | 4,623 |
| Premises and equipment expense | $492,000 | 4,421 |
| Additional noninterest expense | $1,093,000 | 4,352 |
| Pre-tax net operating income | $920,000 | 4,906 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $313,000 | 3,341 |
| Income before extraordinary items | $607,000 | 5,320 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $607,000 | 5,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,808 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $43,000 | 1,091 |
| Net operating income | $607,000 | 5,311 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,044,000 | 4,354 |
| Total interest expense | $3,167,000 | 3,883 |
| Net interest income | $2,877,000 | 4,775 |
| Provision for loan and lease losses | $89,000 | 4,391 |
| Total noninterest income | $358,000 | 5,153 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $201,000 | 4,333 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $157,000 | 4,997 |
| Total noninterest expense | $2,496,000 | 4,666 |
| Salaries and employee benefits | $1,278,000 | 4,902 |
| Premises and equipment expense | $203,000 | 6,034 |
| Additional noninterest expense | $1,015,000 | 3,659 |
| Pre-tax net operating income | $650,000 | 5,275 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $203,000 | 3,706 |
| Income before extraordinary items | $447,000 | 5,597 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $447,000 | 5,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,597 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 910 |
| Net operating income | $447,000 | 5,580 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,834,000 | 4,525 |
| Total interest expense | $1,952,000 | 4,077 |
| Net interest income | $1,882,000 | 4,851 |
| Provision for loan and lease losses | $33,000 | 4,815 |
| Total noninterest income | $244,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $128,000 | 4,424 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $116,000 | 4,822 |
| Total noninterest expense | $1,704,000 | 4,602 |
| Salaries and employee benefits | $887,000 | 4,809 |
| Premises and equipment expense | $184,000 | 5,276 |
| Additional noninterest expense | $633,000 | 3,854 |
| Pre-tax net operating income | $389,000 | 5,567 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $105,000 | 4,078 |
| Income before extraordinary items | $284,000 | 5,772 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $284,000 | 5,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $284,000 | 5,762 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,838,000 | 4,643 |
| Total interest expense | $920,000 | 4,206 |
| Net interest income | $918,000 | 4,935 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $130,000 | 4,935 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $62,000 | 4,457 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $68,000 | 4,516 |
| Total noninterest expense | $828,000 | 4,701 |
| Salaries and employee benefits | $444,000 | 4,830 |
| Premises and equipment expense | $164,000 | 3,633 |
| Additional noninterest expense | $220,000 | 4,940 |
| Pre-tax net operating income | $220,000 | 5,315 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $48,000 | 4,172 |
| Income before extraordinary items | $172,000 | 5,377 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $172,000 | 5,377 |
| 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 | $172,000 | 5,359 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,700,000 | 4,684 |
| Total interest expense | $3,072,000 | 4,262 |
| Net interest income | $3,628,000 | 4,941 |
| Provision for loan and lease losses | $219,000 | 3,373 |
| Total noninterest income | $470,000 | 5,263 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $245,000 | 4,548 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $225,000 | 4,892 |
| Total noninterest expense | $3,012,000 | 4,871 |
| Salaries and employee benefits | $1,561,000 | 5,062 |
| Premises and equipment expense | $261,000 | 6,097 |
| Additional noninterest expense | $1,190,000 | 3,965 |
| Pre-tax net operating income | $867,000 | 5,490 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $-6,000 | 8,170 |
| Income before extraordinary items | $873,000 | 5,016 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $873,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,935 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $873,000 | 5,011 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,869,000 | 4,759 |
| Total interest expense | $2,175,000 | 4,316 |
| Net interest income | $2,694,000 | 5,014 |
| Provision for loan and lease losses | $194,000 | 2,927 |
| Total noninterest income | $341,000 | 5,358 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $184,000 | 4,577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $157,000 | 5,043 |
| Total noninterest expense | $2,287,000 | 4,822 |
| Salaries and employee benefits | $1,183,000 | 5,014 |
| Premises and equipment expense | $268,000 | 5,272 |
| Additional noninterest expense | $836,000 | 4,145 |
| Pre-tax net operating income | $554,000 | 6,029 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-218,000 | 8,630 |
| Income before extraordinary items | $772,000 | 4,781 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $772,000 | 4,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $772,000 | 4,778 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,162,000 | 4,791 |
| Total interest expense | $1,406,000 | 4,279 |
| Net interest income | $1,756,000 | 5,104 |
| Provision for loan and lease losses | $143,000 | 2,740 |
| Total noninterest income | $209,000 | 5,531 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $76,000 | 5,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $133,000 | 4,544 |
| Total noninterest expense | $1,538,000 | 4,796 |
| Salaries and employee benefits | $773,000 | 5,101 |
| Premises and equipment expense | $182,000 | 5,229 |
| Additional noninterest expense | $583,000 | 3,995 |
| Pre-tax net operating income | $284,000 | 6,562 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-327,000 | 8,721 |
| Income before extraordinary items | $611,000 | 4,393 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $611,000 | 4,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $611,000 | 4,389 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,508,000 | 4,881 |
| Total interest expense | $678,000 | 4,256 |
| Net interest income | $830,000 | 5,287 |
| Provision for loan and lease losses | $80,000 | 2,332 |
| Total noninterest income | $113,000 | 5,345 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $35,000 | 5,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $78,000 | 4,205 |
| Total noninterest expense | $730,000 | 4,989 |
| Salaries and employee benefits | $369,000 | 5,268 |
| Premises and equipment expense | $91,000 | 5,241 |
| Additional noninterest expense | $270,000 | 4,230 |
| Pre-tax net operating income | $133,000 | 6,641 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $133,000 | 6,200 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 6,200 |
| 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 | $133,000 | 6,200 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,790,000 | 5,297 |
| Total interest expense | $2,109,000 | 4,281 |
| Net interest income | $2,681,000 | 5,849 |
| Provision for loan and lease losses | $280,000 | 2,975 |
| Total noninterest income | $392,000 | 5,757 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $129,000 | 5,884 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $263,000 | 4,618 |
| Total noninterest expense | $2,627,000 | 5,210 |
| Salaries and employee benefits | $1,422,000 | 5,228 |
| Premises and equipment expense | $341,000 | 5,364 |
| Additional noninterest expense | $864,000 | 4,903 |
| Pre-tax net operating income | $166,000 | 7,789 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $166,000 | 7,728 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $166,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $166,000 | 7,694 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,381,000 | 5,451 |
| Total interest expense | $1,458,000 | 4,379 |
| Net interest income | $1,923,000 | 6,004 |
| Provision for loan and lease losses | $186,000 | 3,074 |
| Total noninterest income | $305,000 | 5,735 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $92,000 | 6,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $213,000 | 4,469 |
| Total noninterest expense | $1,980,000 | 5,176 |
| Salaries and employee benefits | $1,061,000 | 5,227 |
| Premises and equipment expense | $261,000 | 5,295 |
| Additional noninterest expense | $658,000 | 4,812 |
| Pre-tax net operating income | $62,000 | 8,146 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $62,000 | 8,143 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $62,000 | 8,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $62,000 | 8,111 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,114,000 | 5,576 |
| Total interest expense | $874,000 | 4,523 |
| Net interest income | $1,240,000 | 6,079 |
| Provision for loan and lease losses | $137,000 | 2,820 |
| Total noninterest income | $205,000 | 5,680 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $60,000 | 6,007 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $145,000 | 4,399 |
| Total noninterest expense | $1,307,000 | 5,201 |
| Salaries and employee benefits | $689,000 | 5,297 |
| Premises and equipment expense | $174,000 | 5,280 |
| Additional noninterest expense | $444,000 | 4,773 |
| Pre-tax net operating income | $1,000 | 8,342 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,000 | 8,369 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,000 | 8,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,000 | 8,338 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $989,000 | 5,769 |
| Total interest expense | $393,000 | 4,737 |
| Net interest income | $596,000 | 6,246 |
| Provision for loan and lease losses | $66,000 | 2,725 |
| Total noninterest income | $103,000 | 5,609 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $27,000 | 6,147 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $76,000 | 4,289 |
| Total noninterest expense | $652,000 | 5,244 |
| Salaries and employee benefits | $332,000 | 5,462 |
| Premises and equipment expense | $83,000 | 5,458 |
| Additional noninterest expense | $237,000 | 4,538 |
| Pre-tax net operating income | $-19,000 | 8,504 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-19,000 | 8,526 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-19,000 | 8,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-19,000 | 8,502 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,757,000 | 6,652 |
| Total interest expense | $1,041,000 | 5,542 |
| Net interest income | $1,716,000 | 7,021 |
| Provision for loan and lease losses | $173,000 | 4,021 |
| Total noninterest income | $256,000 | 6,726 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $98,000 | 6,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $158,000 | 5,589 |
| Total noninterest expense | $2,071,000 | 5,896 |
| Salaries and employee benefits | $1,124,000 | 5,907 |
| Premises and equipment expense | $284,000 | 5,831 |
| Additional noninterest expense | $663,000 | 5,704 |
| Pre-tax net operating income | $-272,000 | 8,567 |
| Securities gains (losses) | $80,000 | 1,394 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-192,000 | 8,580 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-192,000 | 8,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,855 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $6,042,000 | 199 |
| Net operating income | $-272,000 | 8,586 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,879,000 | 6,896 |
| Total interest expense | $702,000 | 5,816 |
| Net interest income | $1,177,000 | 7,242 |
| Provision for loan and lease losses | $130,000 | 3,854 |
| Total noninterest income | $193,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $73,000 | 6,569 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $120,000 | 5,572 |
| Total noninterest expense | $1,463,000 | 6,042 |
| Salaries and employee benefits | $823,000 | 5,923 |
| Premises and equipment expense | $91,000 | 7,696 |
| Additional noninterest expense | $549,000 | 5,341 |
| Pre-tax net operating income | $-223,000 | 8,663 |
| Securities gains (losses) | $80,000 | 1,326 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-143,000 | 8,650 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-143,000 | 8,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,361 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $6,042,000 | 146 |
| Net operating income | $-223,000 | 8,672 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 7,201 |
| Total interest expense | $425,000 | 6,114 |
| Net interest income | $696,000 | 7,516 |
| Provision for loan and lease losses | $70,000 | 4,107 |
| Total noninterest income | $116,000 | 6,962 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $61,000 | 6,212 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 6,266 |
| Total noninterest expense | $936,000 | 6,227 |
| Salaries and employee benefits | $536,000 | 6,049 |
| Premises and equipment expense | $59,000 | 7,770 |
| Additional noninterest expense | $341,000 | 5,587 |
| Pre-tax net operating income | $-194,000 | 8,765 |
| Securities gains (losses) | $82,000 | 1,148 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-112,000 | 8,732 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-112,000 | 8,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,839 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-194,000 | 8,765 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $507,000 | 7,460 |
| Total interest expense | $189,000 | 6,483 |
| Net interest income | $318,000 | 7,731 |
| Provision for loan and lease losses | $44,000 | 3,642 |
| Total noninterest income | $44,000 | 7,434 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $20,000 | 6,805 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $24,000 | 6,514 |
| Total noninterest expense | $446,000 | 6,439 |
| Salaries and employee benefits | $252,000 | 6,306 |
| Premises and equipment expense | $71,000 | 5,842 |
| Additional noninterest expense | $123,000 | 6,605 |
| Pre-tax net operating income | $-128,000 | 8,833 |
| Securities gains (losses) | $28,000 | 1,532 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-100,000 | 8,837 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-100,000 | 8,838 |
| 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 | $-128,000 | 8,845 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $892,000 | 8,677 |
| Total interest expense | $358,000 | 8,257 |
| Net interest income | $534,000 | 8,784 |
| Provision for loan and lease losses | $159,000 | 4,488 |
| Total noninterest income | $95,000 | 8,361 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $36,000 | 7,642 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $59,000 | 7,340 |
| Total noninterest expense | $1,215,000 | 7,450 |
| Salaries and employee benefits | $726,000 | 7,207 |
| Premises and equipment expense | $160,000 | 7,260 |
| Additional noninterest expense | $329,000 | 7,583 |
| Pre-tax net operating income | $-745,000 | 8,909 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-734,000 | 8,977 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-734,000 | 8,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $9,848,000 | 93 |
| Net operating income | $-745,000 | 8,924 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $508,000 | 8,925 |
| Total interest expense | $208,000 | 8,639 |
| Net interest income | $300,000 | 8,982 |
| Provision for loan and lease losses | $111,000 | 4,490 |
| Total noninterest income | $61,000 | 8,549 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $30,000 | 7,641 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $31,000 | 7,823 |
| Total noninterest expense | $880,000 | 7,519 |
| Salaries and employee benefits | $520,000 | 7,297 |
| Premises and equipment expense | $61,000 | 8,368 |
| Additional noninterest expense | $299,000 | 7,148 |
| Pre-tax net operating income | $-630,000 | 9,002 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-630,000 | 9,065 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-630,000 | 9,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $9,848,000 | 60 |
| Net operating income | $-630,000 | 9,012 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $285,000 | 9,036 |
| Total interest expense | $94,000 | 8,935 |
| Net interest income | $191,000 | 9,038 |
| Provision for loan and lease losses | $62,000 | 4,661 |
| Total noninterest income | $25,000 | 8,890 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $9,000 | 7,940 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $16,000 | 8,080 |
| Total noninterest expense | $542,000 | 7,729 |
| Salaries and employee benefits | $322,000 | 7,497 |
| Premises and equipment expense | $38,000 | 8,441 |
| Additional noninterest expense | $182,000 | 7,367 |
| Pre-tax net operating income | $-388,000 | 9,027 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-377,000 | 9,091 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-377,000 | 9,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $9,874,000 | 42 |
| Net operating income | $-388,000 | 9,036 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $122,000 | 9,137 |
| Total interest expense | $23,000 | 9,155 |
| Net interest income | $99,000 | 9,073 |
| Provision for loan and lease losses | $17,000 | 5,461 |
| Total noninterest income | $4,000 | 9,162 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,000 | 8,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $213,000 | 8,233 |
| Salaries and employee benefits | $140,000 | 7,894 |
| Premises and equipment expense | $14,000 | 8,741 |
| Additional noninterest expense | $59,000 | 8,243 |
| Pre-tax net operating income | $-127,000 | 9,006 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-127,000 | 9,071 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-127,000 | 9,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $9,874,000 | 19 |
| Net operating income | $-127,000 | 9,005 |
* 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.