Home > Big Sky Western Bank > Income and Expense
Big Sky Western Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 1,843 |
| Total interest expense | $321,000 | 3,362 |
| Net interest income | $3,367,000 | 1,650 |
| Provision for loan and lease losses | $800,000 | 729 |
| Total noninterest income | $478,000 | 2,215 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $218,000 | 1,583 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $260,000 | 2,288 |
| Total noninterest expense | $2,212,000 | 2,156 |
| Salaries and employee benefits | $1,054,000 | 2,365 |
| Premises and equipment expense | $202,000 | 2,775 |
| Additional noninterest expense | $956,000 | 1,742 |
| Pre-tax net operating income | $833,000 | 1,967 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $233,000 | 1,554 |
| Income before extraordinary items | $600,000 | 2,254 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $600,000 | 2,256 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $600,000 | 2,257 |
| Net charge-offs | $1,635,000 | 465 |
| Cash dividends | $750,000 | 607 |
| Sale, conversion, retirement of capital stock, net | $-64,000 | 7,270 |
| Net operating income | $600,000 | 2,140 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,595,000 | 1,804 |
| Total interest expense | $1,588,000 | 3,307 |
| Net interest income | $14,007,000 | 1,593 |
| Provision for loan and lease losses | $2,350,000 | 1,402 |
| Total noninterest income | $2,660,000 | 1,640 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,016,000 | 1,463 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,644,000 | 1,542 |
| Total noninterest expense | $9,136,000 | 2,092 |
| Salaries and employee benefits | $3,985,000 | 2,413 |
| Premises and equipment expense | $906,000 | 2,627 |
| Additional noninterest expense | $4,245,000 | 1,611 |
| Pre-tax net operating income | $5,181,000 | 1,145 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $1,457,000 | 1,021 |
| Income before extraordinary items | $3,724,000 | 1,329 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,724,000 | 1,329 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,724,000 | 1,329 |
| Net charge-offs | $3,453,000 | 1,089 |
| Cash dividends | $1,000,000 | 1,609 |
| Sale, conversion, retirement of capital stock, net | $-80,000 | 7,296 |
| Net operating income | $3,724,000 | 1,261 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,804,000 | 1,807 |
| Total interest expense | $1,231,000 | 3,337 |
| Net interest income | $10,573,000 | 1,593 |
| Provision for loan and lease losses | $2,100,000 | 1,194 |
| Total noninterest income | $1,828,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $761,000 | 1,474 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,067,000 | 1,692 |
| Total noninterest expense | $6,725,000 | 2,139 |
| Salaries and employee benefits | $2,968,000 | 2,429 |
| Premises and equipment expense | $664,000 | 2,711 |
| Additional noninterest expense | $3,093,000 | 1,652 |
| Pre-tax net operating income | $3,576,000 | 1,272 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $920,000 | 1,154 |
| Income before extraordinary items | $2,656,000 | 1,428 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,656,000 | 1,428 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,656,000 | 1,428 |
| Net charge-offs | $3,180,000 | 902 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $-80,000 | 7,384 |
| Net operating income | $2,656,000 | 1,359 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,936,000 | 1,804 |
| Total interest expense | $844,000 | 3,371 |
| Net interest income | $7,092,000 | 1,589 |
| Provision for loan and lease losses | $1,300,000 | 1,266 |
| Total noninterest income | $1,393,000 | 1,557 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $503,000 | 1,459 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $890,000 | 1,458 |
| Total noninterest expense | $4,567,000 | 2,111 |
| Salaries and employee benefits | $1,961,000 | 2,460 |
| Premises and equipment expense | $442,000 | 2,721 |
| Additional noninterest expense | $2,164,000 | 1,595 |
| Pre-tax net operating income | $2,618,000 | 1,143 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $639,000 | 1,090 |
| Income before extraordinary items | $1,979,000 | 1,267 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,979,000 | 1,267 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,979,000 | 1,267 |
| Net charge-offs | $1,912,000 | 953 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $-80,000 | 7,471 |
| Net operating income | $1,979,000 | 1,207 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 1,823 |
| Total interest expense | $428,000 | 3,447 |
| Net interest income | $3,520,000 | 1,587 |
| Provision for loan and lease losses | $650,000 | 1,199 |
| Total noninterest income | $740,000 | 1,504 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $237,000 | 1,509 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $503,000 | 1,338 |
| Total noninterest expense | $2,131,000 | 2,266 |
| Salaries and employee benefits | $996,000 | 2,442 |
| Premises and equipment expense | $227,000 | 2,691 |
| Additional noninterest expense | $908,000 | 1,861 |
| Pre-tax net operating income | $1,479,000 | 1,020 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $516,000 | 732 |
| Income before extraordinary items | $963,000 | 1,282 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $963,000 | 1,282 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $963,000 | 1,282 |
| Net charge-offs | $62,000 | 3,180 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $-80,000 | 7,544 |
| Net operating income | $963,000 | 1,244 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,757,000 | 1,808 |
| Total interest expense | $2,335,000 | 3,157 |
| Net interest income | $14,422,000 | 1,553 |
| Provision for loan and lease losses | $3,475,000 | 1,465 |
| Total noninterest income | $842,000 | 3,550 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,024,000 | 1,481 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-182,000 | 7,262 |
| Total noninterest expense | $8,218,000 | 2,353 |
| Salaries and employee benefits | $3,676,000 | 2,615 |
| Premises and equipment expense | $853,000 | 2,827 |
| Additional noninterest expense | $3,689,000 | 1,928 |
| Pre-tax net operating income | $3,571,000 | 1,393 |
| Securities gains (losses) | $114,000 | 2,048 |
| Applicable income taxes | $945,000 | 1,280 |
| Income before extraordinary items | $2,740,000 | 1,518 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,740,000 | 1,519 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,740,000 | 1,520 |
| Net charge-offs | $4,047,000 | 1,200 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $10,041,000 | 83 |
| Net operating income | $2,655,640 | 1,502 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,702,000 | 1,822 |
| Total interest expense | $1,836,000 | 3,165 |
| Net interest income | $10,866,000 | 1,558 |
| Provision for loan and lease losses | $2,900,000 | 1,293 |
| Total noninterest income | $26,000 | 7,281 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $764,000 | 1,536 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-738,000 | 7,628 |
| Total noninterest expense | $6,176,000 | 2,352 |
| Salaries and employee benefits | $2,744,000 | 2,628 |
| Premises and equipment expense | $681,000 | 2,720 |
| Additional noninterest expense | $2,751,000 | 1,893 |
| Pre-tax net operating income | $1,816,000 | 2,048 |
| Securities gains (losses) | $55,000 | 2,354 |
| Applicable income taxes | $297,000 | 2,157 |
| Income before extraordinary items | $1,574,000 | 2,064 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,574,000 | 2,066 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,574,000 | 2,066 |
| Net charge-offs | $2,985,000 | 1,146 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $10,030,000 | 69 |
| Net operating income | $1,527,800 | 2,015 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,502,000 | 1,837 |
| Total interest expense | $1,237,000 | 3,230 |
| Net interest income | $7,265,000 | 1,561 |
| Provision for loan and lease losses | $2,900,000 | 967 |
| Total noninterest income | $842,000 | 2,293 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $498,000 | 1,575 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $344,000 | 2,635 |
| Total noninterest expense | $4,170,000 | 2,318 |
| Salaries and employee benefits | $1,809,000 | 2,668 |
| Premises and equipment expense | $463,000 | 2,685 |
| Additional noninterest expense | $1,898,000 | 1,845 |
| Pre-tax net operating income | $1,037,000 | 2,317 |
| Securities gains (losses) | $55,000 | 1,822 |
| Applicable income taxes | $57,000 | 3,196 |
| Income before extraordinary items | $1,035,000 | 2,054 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,035,000 | 2,052 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,035,000 | 2,054 |
| Net charge-offs | $1,925,000 | 1,156 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $10,022,000 | 46 |
| Net operating income | $982,750 | 2,077 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,212,000 | 1,908 |
| Total interest expense | $602,000 | 3,420 |
| Net interest income | $3,610,000 | 1,594 |
| Provision for loan and lease losses | $1,800,000 | 801 |
| Total noninterest income | $563,000 | 1,857 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $233,000 | 1,643 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $330,000 | 1,733 |
| Total noninterest expense | $1,918,000 | 2,546 |
| Salaries and employee benefits | $887,000 | 2,766 |
| Premises and equipment expense | $236,000 | 2,704 |
| Additional noninterest expense | $795,000 | 2,134 |
| Pre-tax net operating income | $455,000 | 2,585 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $122,000 | 1,925 |
| Income before extraordinary items | $333,000 | 2,930 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $333,000 | 2,926 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $333,000 | 2,930 |
| Net charge-offs | $1,192,000 | 920 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $10,013,000 | 32 |
| Net operating income | $333,000 | 2,813 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $18,368,000 | 1,847 |
| Total interest expense | $2,373,000 | 4,035 |
| Net interest income | $15,995,000 | 1,382 |
| Provision for loan and lease losses | $9,200,000 | 936 |
| Total noninterest income | $3,057,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,112,000 | 1,526 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,945,000 | 1,400 |
| Total noninterest expense | $8,251,000 | 2,396 |
| Salaries and employee benefits | $3,650,000 | 2,677 |
| Premises and equipment expense | $886,000 | 2,861 |
| Additional noninterest expense | $3,715,000 | 1,969 |
| Pre-tax net operating income | $1,601,000 | 2,262 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $121,000 | 2,751 |
| Income before extraordinary items | $1,480,000 | 2,135 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,480,000 | 2,133 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,480,000 | 2,135 |
| Net charge-offs | $4,896,000 | 1,167 |
| Cash dividends | $400,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $10,101,000 | 92 |
| Net operating income | $1,480,000 | 2,112 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,842,000 | 1,878 |
| Total interest expense | $1,756,000 | 4,190 |
| Net interest income | $12,086,000 | 1,375 |
| Provision for loan and lease losses | $7,000,000 | 822 |
| Total noninterest income | $2,450,000 | 1,538 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $838,000 | 1,522 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,612,000 | 1,327 |
| Total noninterest expense | $6,108,000 | 2,424 |
| Salaries and employee benefits | $2,757,000 | 2,674 |
| Premises and equipment expense | $667,000 | 2,889 |
| Additional noninterest expense | $2,684,000 | 1,969 |
| Pre-tax net operating income | $1,428,000 | 2,133 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $218,000 | 2,243 |
| Income before extraordinary items | $1,210,000 | 2,165 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,210,000 | 2,162 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,210,000 | 2,165 |
| Net charge-offs | $4,370,000 | 911 |
| Cash dividends | $400,000 | 2,256 |
| Sale, conversion, retirement of capital stock, net | $5,080,000 | 148 |
| Net operating income | $1,210,000 | 2,115 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,329,000 | 1,893 |
| Total interest expense | $1,186,000 | 4,282 |
| Net interest income | $8,143,000 | 1,371 |
| Provision for loan and lease losses | $3,200,000 | 1,040 |
| Total noninterest income | $1,768,000 | 1,463 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $557,000 | 1,500 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,211,000 | 1,253 |
| Total noninterest expense | $3,872,000 | 2,579 |
| Salaries and employee benefits | $1,893,000 | 2,626 |
| Premises and equipment expense | $452,000 | 2,892 |
| Additional noninterest expense | $1,527,000 | 2,300 |
| Pre-tax net operating income | $2,839,000 | 817 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $955,000 | 643 |
| Income before extraordinary items | $1,884,000 | 1,011 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,884,000 | 1,009 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,884,000 | 1,011 |
| Net charge-offs | $2,580,000 | 952 |
| Cash dividends | $400,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $5,057,000 | 104 |
| Net operating income | $1,884,000 | 982 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,790,000 | 1,866 |
| Total interest expense | $626,000 | 4,251 |
| Net interest income | $4,164,000 | 1,326 |
| Provision for loan and lease losses | $1,400,000 | 966 |
| Total noninterest income | $820,000 | 1,526 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $267,000 | 1,521 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $553,000 | 1,301 |
| Total noninterest expense | $1,867,000 | 2,575 |
| Salaries and employee benefits | $962,000 | 2,627 |
| Premises and equipment expense | $232,000 | 2,858 |
| Additional noninterest expense | $673,000 | 2,304 |
| Pre-tax net operating income | $1,717,000 | 735 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $609,000 | 542 |
| Income before extraordinary items | $1,108,000 | 963 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,108,000 | 964 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,108,000 | 965 |
| Net charge-offs | $1,775,000 | 650 |
| Cash dividends | $400,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $44,000 | 533 |
| Net operating income | $1,108,000 | 907 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $21,270,000 | 1,804 |
| Total interest expense | $5,279,000 | 2,838 |
| Net interest income | $15,991,000 | 1,390 |
| Provision for loan and lease losses | $2,200,000 | 1,694 |
| Total noninterest income | $3,044,000 | 1,553 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,492,000 | 1,207 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,552,000 | 1,553 |
| Total noninterest expense | $7,245,000 | 2,603 |
| Salaries and employee benefits | $3,762,000 | 2,654 |
| Premises and equipment expense | $836,000 | 3,067 |
| Additional noninterest expense | $2,647,000 | 2,239 |
| Pre-tax net operating income | $9,590,000 | 569 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $3,587,000 | 409 |
| Income before extraordinary items | $6,003,000 | 678 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,003,000 | 678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $600,000 | 2,548 |
| Cash dividends | $1,200,000 | 2,027 |
| Sale, conversion, retirement of capital stock, net | $239,000 | 721 |
| Net operating income | $6,003,000 | 724 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $16,135,000 | 1,828 |
| Total interest expense | $4,435,000 | 2,641 |
| Net interest income | $11,700,000 | 1,448 |
| Provision for loan and lease losses | $1,250,000 | 1,602 |
| Total noninterest income | $2,371,000 | 1,551 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,147,000 | 1,183 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,224,000 | 1,581 |
| Total noninterest expense | $5,458,000 | 2,586 |
| Salaries and employee benefits | $2,866,000 | 2,652 |
| Premises and equipment expense | $624,000 | 3,088 |
| Additional noninterest expense | $1,968,000 | 2,191 |
| Pre-tax net operating income | $7,363,000 | 680 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,784,000 | 493 |
| Income before extraordinary items | $4,579,000 | 799 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,579,000 | 798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,872 |
| Cash dividends | $1,200,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $201,000 | 574 |
| Net operating income | $4,579,000 | 846 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,758,000 | 1,853 |
| Total interest expense | $3,051,000 | 2,672 |
| Net interest income | $7,707,000 | 1,453 |
| Provision for loan and lease losses | $800,000 | 1,417 |
| Total noninterest income | $1,614,000 | 1,560 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $760,000 | 1,174 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $854,000 | 1,568 |
| Total noninterest expense | $3,630,000 | 2,597 |
| Salaries and employee benefits | $1,930,000 | 2,654 |
| Premises and equipment expense | $412,000 | 3,137 |
| Additional noninterest expense | $1,288,000 | 2,201 |
| Pre-tax net operating income | $4,891,000 | 717 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,855,000 | 548 |
| Income before extraordinary items | $3,036,000 | 896 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,036,000 | 896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,319 |
| Cash dividends | $800,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 569 |
| Net operating income | $3,036,000 | 881 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,444,000 | 1,880 |
| Total interest expense | $1,697,000 | 2,585 |
| Net interest income | $3,747,000 | 1,481 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $784,000 | 1,585 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $383,000 | 1,147 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $401,000 | 1,628 |
| Total noninterest expense | $1,811,000 | 2,598 |
| Salaries and employee benefits | $980,000 | 2,629 |
| Premises and equipment expense | $199,000 | 3,248 |
| Additional noninterest expense | $632,000 | 2,215 |
| Pre-tax net operating income | $2,420,000 | 787 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $922,000 | 623 |
| Income before extraordinary items | $1,498,000 | 1,005 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,498,000 | 1,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $400,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $66,000 | 414 |
| Net operating income | $1,498,000 | 962 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,783,000 | 2,023 |
| Total interest expense | $7,806,000 | 2,368 |
| Net interest income | $12,977,000 | 1,748 |
| Provision for loan and lease losses | $645,000 | 1,956 |
| Total noninterest income | $3,031,000 | 1,624 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,554,000 | 1,147 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,477,000 | 1,689 |
| Total noninterest expense | $7,058,000 | 2,570 |
| Salaries and employee benefits | $3,856,000 | 2,569 |
| Premises and equipment expense | $785,000 | 3,125 |
| Additional noninterest expense | $2,417,000 | 2,239 |
| Pre-tax net operating income | $8,305,000 | 1,015 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,144,000 | 785 |
| Income before extraordinary items | $5,161,000 | 1,239 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,161,000 | 1,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,981 |
| Cash dividends | $1,600,000 | 1,901 |
| Sale, conversion, retirement of capital stock, net | $218,000 | 736 |
| Net operating income | $5,161,000 | 1,233 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,243,000 | 2,068 |
| Total interest expense | $5,821,000 | 2,373 |
| Net interest income | $9,422,000 | 1,805 |
| Provision for loan and lease losses | $220,000 | 2,856 |
| Total noninterest income | $2,232,000 | 1,651 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,121,000 | 1,175 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,111,000 | 1,683 |
| Total noninterest expense | $5,350,000 | 2,532 |
| Salaries and employee benefits | $2,984,000 | 2,498 |
| Premises and equipment expense | $602,000 | 3,061 |
| Additional noninterest expense | $1,764,000 | 2,247 |
| Pre-tax net operating income | $6,084,000 | 1,125 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,299,000 | 865 |
| Income before extraordinary items | $3,785,000 | 1,353 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,785,000 | 1,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 4,091 |
| Cash dividends | $1,200,000 | 1,769 |
| Sale, conversion, retirement of capital stock, net | $209,000 | 581 |
| Net operating income | $3,785,000 | 1,343 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,913,000 | 2,128 |
| Total interest expense | $3,783,000 | 2,433 |
| Net interest income | $6,130,000 | 1,877 |
| Provision for loan and lease losses | $95,000 | 3,362 |
| Total noninterest income | $1,453,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $706,000 | 1,250 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $747,000 | 1,690 |
| Total noninterest expense | $3,587,000 | 2,545 |
| Salaries and employee benefits | $2,024,000 | 2,506 |
| Premises and equipment expense | $403,000 | 3,081 |
| Additional noninterest expense | $1,160,000 | 2,292 |
| Pre-tax net operating income | $3,901,000 | 1,210 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,471,000 | 936 |
| Income before extraordinary items | $2,430,000 | 1,445 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,430,000 | 1,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,250 |
| Cash dividends | $800,000 | 1,799 |
| Sale, conversion, retirement of capital stock, net | $156,000 | 500 |
| Net operating income | $2,430,000 | 1,426 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,840,000 | 2,164 |
| Total interest expense | $1,862,000 | 2,457 |
| Net interest income | $2,978,000 | 1,937 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $665,000 | 1,803 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $322,000 | 1,335 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $343,000 | 1,775 |
| Total noninterest expense | $1,794,000 | 2,554 |
| Salaries and employee benefits | $1,015,000 | 2,527 |
| Premises and equipment expense | $212,000 | 2,968 |
| Additional noninterest expense | $567,000 | 2,313 |
| Pre-tax net operating income | $1,819,000 | 1,283 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $684,000 | 999 |
| Income before extraordinary items | $1,135,000 | 1,518 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,135,000 | 1,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 1,876 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 438 |
| Net operating income | $1,135,000 | 1,507 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,614,000 | 2,119 |
| Total interest expense | $6,323,000 | 2,484 |
| Net interest income | $12,291,000 | 1,882 |
| Provision for loan and lease losses | $305,000 | 2,728 |
| Total noninterest income | $2,367,000 | 1,962 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,101,000 | 1,604 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,266,000 | 1,885 |
| Total noninterest expense | $6,407,000 | 2,718 |
| Salaries and employee benefits | $3,445,000 | 2,767 |
| Premises and equipment expense | $690,000 | 3,369 |
| Additional noninterest expense | $2,272,000 | 2,286 |
| Pre-tax net operating income | $7,946,000 | 1,232 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,703,000 | 1,035 |
| Income before extraordinary items | $5,243,000 | 1,396 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,243,000 | 1,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 5,089 |
| Cash dividends | $600,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $260,000 | 707 |
| Net operating income | $5,243,000 | 1,384 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,701,000 | 2,142 |
| Total interest expense | $4,508,000 | 2,523 |
| Net interest income | $9,193,000 | 1,910 |
| Provision for loan and lease losses | $235,000 | 2,541 |
| Total noninterest income | $1,724,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $811,000 | 1,639 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $913,000 | 1,961 |
| Total noninterest expense | $4,770,000 | 2,734 |
| Salaries and employee benefits | $2,600,000 | 2,753 |
| Premises and equipment expense | $495,000 | 3,497 |
| Additional noninterest expense | $1,675,000 | 2,310 |
| Pre-tax net operating income | $5,912,000 | 1,291 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,243,000 | 994 |
| Income before extraordinary items | $3,669,000 | 1,524 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,669,000 | 1,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $300,000 | 3,627 |
| Sale, conversion, retirement of capital stock, net | $216,000 | 579 |
| Net operating income | $3,669,000 | 1,504 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,038,000 | 2,126 |
| Total interest expense | $2,930,000 | 2,486 |
| Net interest income | $6,108,000 | 1,910 |
| Provision for loan and lease losses | $170,000 | 2,399 |
| Total noninterest income | $1,128,000 | 2,039 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $543,000 | 1,622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $585,000 | 1,999 |
| Total noninterest expense | $3,037,000 | 2,848 |
| Salaries and employee benefits | $1,591,000 | 2,975 |
| Premises and equipment expense | $326,000 | 3,531 |
| Additional noninterest expense | $1,120,000 | 2,316 |
| Pre-tax net operating income | $4,029,000 | 1,261 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,518,000 | 982 |
| Income before extraordinary items | $2,511,000 | 1,481 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,511,000 | 1,482 |
| 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 | $2,511,000 | 1,461 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 2,150 |
| Total interest expense | $1,363,000 | 2,525 |
| Net interest income | $3,004,000 | 1,926 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $507,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $245,000 | 1,723 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $262,000 | 2,138 |
| Total noninterest expense | $1,470,000 | 2,930 |
| Salaries and employee benefits | $791,000 | 3,002 |
| Premises and equipment expense | $165,000 | 3,494 |
| Additional noninterest expense | $514,000 | 2,487 |
| Pre-tax net operating income | $1,921,000 | 1,293 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $722,000 | 1,026 |
| Income before extraordinary items | $1,199,000 | 1,514 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,199,000 | 1,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,199,000 | 1,497 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,156,000 | 2,064 |
| Total interest expense | $4,426,000 | 2,445 |
| Net interest income | $11,730,000 | 1,882 |
| Provision for loan and lease losses | $965,000 | 1,077 |
| Total noninterest income | $2,148,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $923,000 | 1,860 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,225,000 | 1,937 |
| Total noninterest expense | $5,375,000 | 3,042 |
| Salaries and employee benefits | $2,709,000 | 3,255 |
| Premises and equipment expense | $654,000 | 3,410 |
| Additional noninterest expense | $2,012,000 | 2,476 |
| Pre-tax net operating income | $7,538,000 | 1,261 |
| Securities gains (losses) | $-23,000 | 7,885 |
| Applicable income taxes | $2,819,000 | 1,003 |
| Income before extraordinary items | $4,696,000 | 1,503 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,696,000 | 1,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,497 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,710,720 | 1,478 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $11,799,000 | 2,069 |
| Total interest expense | $3,164,000 | 2,438 |
| Net interest income | $8,635,000 | 1,904 |
| Provision for loan and lease losses | $740,000 | 1,013 |
| Total noninterest income | $1,652,000 | 2,054 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $685,000 | 1,875 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $967,000 | 1,865 |
| Total noninterest expense | $3,938,000 | 3,075 |
| Salaries and employee benefits | $1,953,000 | 3,339 |
| Premises and equipment expense | $498,000 | 3,366 |
| Additional noninterest expense | $1,487,000 | 2,474 |
| Pre-tax net operating income | $5,609,000 | 1,278 |
| Securities gains (losses) | $-23,000 | 8,230 |
| Applicable income taxes | $2,093,000 | 1,023 |
| Income before extraordinary items | $3,493,000 | 1,517 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,493,000 | 1,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,007 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,507,720 | 1,488 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,552,000 | 2,092 |
| Total interest expense | $1,976,000 | 2,443 |
| Net interest income | $5,576,000 | 1,936 |
| Provision for loan and lease losses | $440,000 | 1,100 |
| Total noninterest income | $1,014,000 | 2,147 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $445,000 | 1,883 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $569,000 | 2,006 |
| Total noninterest expense | $2,532,000 | 3,150 |
| Salaries and employee benefits | $1,228,000 | 3,494 |
| Premises and equipment expense | $332,000 | 3,336 |
| Additional noninterest expense | $972,000 | 2,508 |
| Pre-tax net operating income | $3,618,000 | 1,295 |
| Securities gains (losses) | $-23,000 | 8,407 |
| Applicable income taxes | $1,344,000 | 1,042 |
| Income before extraordinary items | $2,251,000 | 1,535 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,251,000 | 1,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,310 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,265,720 | 1,500 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,596,000 | 2,154 |
| Total interest expense | $890,000 | 2,561 |
| Net interest income | $2,706,000 | 1,990 |
| Provision for loan and lease losses | $200,000 | 1,128 |
| Total noninterest income | $456,000 | 2,278 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $216,000 | 1,880 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $240,000 | 2,217 |
| Total noninterest expense | $1,232,000 | 3,243 |
| Salaries and employee benefits | $599,000 | 3,573 |
| Premises and equipment expense | $166,000 | 3,360 |
| Additional noninterest expense | $467,000 | 2,595 |
| Pre-tax net operating income | $1,730,000 | 1,332 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $645,000 | 1,075 |
| Income before extraordinary items | $1,085,000 | 1,550 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,085,000 | 1,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,138 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,085,000 | 1,526 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,495,000 | 2,302 |
| Total interest expense | $2,981,000 | 2,646 |
| Net interest income | $9,514,000 | 2,140 |
| Provision for loan and lease losses | $510,000 | 1,921 |
| Total noninterest income | $1,820,000 | 2,351 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $852,000 | 2,022 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $968,000 | 2,194 |
| Total noninterest expense | $4,955,000 | 3,145 |
| Salaries and employee benefits | $2,253,000 | 3,629 |
| Premises and equipment expense | $866,000 | 2,607 |
| Additional noninterest expense | $1,836,000 | 2,608 |
| Pre-tax net operating income | $5,869,000 | 1,468 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $2,157,000 | 1,187 |
| Income before extraordinary items | $3,720,000 | 1,720 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,720,000 | 1,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,112 |
| Cash dividends | $900,000 | 2,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,714,880 | 1,681 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,110,000 | 2,334 |
| Total interest expense | $2,178,000 | 2,658 |
| Net interest income | $6,932,000 | 2,187 |
| Provision for loan and lease losses | $330,000 | 2,085 |
| Total noninterest income | $1,290,000 | 2,456 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $614,000 | 2,124 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $676,000 | 2,316 |
| Total noninterest expense | $3,642,000 | 3,183 |
| Salaries and employee benefits | $1,681,000 | 3,627 |
| Premises and equipment expense | $625,000 | 2,678 |
| Additional noninterest expense | $1,336,000 | 2,644 |
| Pre-tax net operating income | $4,250,000 | 1,516 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,560,000 | 1,242 |
| Income before extraordinary items | $2,690,000 | 1,786 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,690,000 | 1,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 3,301 |
| Cash dividends | $900,000 | 1,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,690,000 | 1,735 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 2,388 |
| Total interest expense | $1,420,000 | 2,692 |
| Net interest income | $4,463,000 | 2,247 |
| Provision for loan and lease losses | $170,000 | 2,510 |
| Total noninterest income | $758,000 | 2,686 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $381,000 | 2,240 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $377,000 | 2,608 |
| Total noninterest expense | $2,391,000 | 3,220 |
| Salaries and employee benefits | $1,112,000 | 3,665 |
| Premises and equipment expense | $406,000 | 2,752 |
| Additional noninterest expense | $873,000 | 2,694 |
| Pre-tax net operating income | $2,660,000 | 1,583 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $971,000 | 1,312 |
| Income before extraordinary items | $1,689,000 | 1,864 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,689,000 | 1,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 2,594 |
| Cash dividends | $600,000 | 1,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,689,000 | 1,814 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,919,000 | 2,410 |
| Total interest expense | $716,000 | 2,699 |
| Net interest income | $2,203,000 | 2,270 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $464,000 | 2,278 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $174,000 | 2,349 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $290,000 | 1,928 |
| Total noninterest expense | $1,194,000 | 3,237 |
| Salaries and employee benefits | $566,000 | 3,632 |
| Premises and equipment expense | $200,000 | 2,811 |
| Additional noninterest expense | $428,000 | 2,721 |
| Pre-tax net operating income | $1,413,000 | 1,472 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $519,000 | 1,263 |
| Income before extraordinary items | $894,000 | 1,754 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $894,000 | 1,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 1,853 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $894,000 | 1,670 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,739,000 | 2,638 |
| Total interest expense | $3,316,000 | 2,611 |
| Net interest income | $7,423,000 | 2,608 |
| Provision for loan and lease losses | $250,000 | 3,535 |
| Total noninterest income | $1,665,000 | 2,625 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $608,000 | 2,664 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,057,000 | 2,309 |
| Total noninterest expense | $4,101,000 | 3,643 |
| Salaries and employee benefits | $1,952,000 | 4,006 |
| Premises and equipment expense | $683,000 | 3,144 |
| Additional noninterest expense | $1,466,000 | 3,152 |
| Pre-tax net operating income | $4,737,000 | 1,702 |
| Securities gains (losses) | $-176,000 | 9,064 |
| Applicable income taxes | $1,730,000 | 1,429 |
| Income before extraordinary items | $2,831,000 | 2,146 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,831,000 | 2,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $1,100,000 | 2,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,943,640 | 1,982 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,971,000 | 2,700 |
| Total interest expense | $2,583,000 | 2,617 |
| Net interest income | $5,388,000 | 2,696 |
| Provision for loan and lease losses | $190,000 | 3,426 |
| Total noninterest income | $1,313,000 | 2,593 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $454,000 | 2,687 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $859,000 | 2,265 |
| Total noninterest expense | $2,962,000 | 3,742 |
| Salaries and employee benefits | $1,414,000 | 4,123 |
| Premises and equipment expense | $503,000 | 3,207 |
| Additional noninterest expense | $1,045,000 | 3,266 |
| Pre-tax net operating income | $3,549,000 | 1,764 |
| Securities gains (losses) | $-176,000 | 9,149 |
| Applicable income taxes | $1,283,000 | 1,520 |
| Income before extraordinary items | $2,090,000 | 2,242 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,090,000 | 2,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,344 |
| Cash dividends | $800,000 | 1,997 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,202,640 | 2,034 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,283,000 | 2,743 |
| Total interest expense | $1,781,000 | 2,615 |
| Net interest income | $3,502,000 | 2,767 |
| Provision for loan and lease losses | $130,000 | 3,332 |
| Total noninterest income | $831,000 | 2,677 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $291,000 | 2,720 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $540,000 | 2,335 |
| Total noninterest expense | $1,930,000 | 3,804 |
| Salaries and employee benefits | $915,000 | 4,203 |
| Premises and equipment expense | $334,000 | 3,202 |
| Additional noninterest expense | $681,000 | 3,311 |
| Pre-tax net operating income | $2,273,000 | 1,829 |
| Securities gains (losses) | $-176,000 | 9,218 |
| Applicable income taxes | $795,000 | 1,629 |
| Income before extraordinary items | $1,302,000 | 2,387 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,302,000 | 2,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,782 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,414,640 | 2,099 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,659,000 | 2,744 |
| Total interest expense | $910,000 | 2,631 |
| Net interest income | $1,749,000 | 2,776 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $415,000 | 2,599 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $137,000 | 2,770 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $278,000 | 2,218 |
| Total noninterest expense | $941,000 | 3,845 |
| Salaries and employee benefits | $457,000 | 4,194 |
| Premises and equipment expense | $165,000 | 3,224 |
| Additional noninterest expense | $319,000 | 3,468 |
| Pre-tax net operating income | $1,163,000 | 1,800 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $443,000 | 1,513 |
| Income before extraordinary items | $720,000 | 2,151 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $720,000 | 2,149 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $720,000 | 2,036 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,211,000 | 2,715 |
| Total interest expense | $4,278,000 | 2,590 |
| Net interest income | $6,933,000 | 2,767 |
| Provision for loan and lease losses | $330,000 | 3,240 |
| Total noninterest income | $1,453,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $493,000 | 3,008 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $960,000 | 2,242 |
| Total noninterest expense | $3,602,000 | 3,870 |
| Salaries and employee benefits | $1,750,000 | 4,179 |
| Premises and equipment expense | $591,000 | 3,460 |
| Additional noninterest expense | $1,261,000 | 3,470 |
| Pre-tax net operating income | $4,454,000 | 1,816 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,705,000 | 1,482 |
| Income before extraordinary items | $2,749,000 | 2,175 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,749,000 | 2,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,719 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,749,000 | 2,092 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,856,000 | 3,687 |
| Total interest expense | $4,080,000 | 3,735 |
| Net interest income | $4,776,000 | 3,569 |
| Provision for loan and lease losses | $333,000 | 3,003 |
| Total noninterest income | $1,218,000 | 2,906 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $386,000 | 3,497 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $832,000 | 2,330 |
| Total noninterest expense | $3,086,000 | 4,238 |
| Salaries and employee benefits | $1,439,000 | 4,658 |
| Premises and equipment expense | $580,000 | 3,463 |
| Additional noninterest expense | $1,067,000 | 3,857 |
| Pre-tax net operating income | $2,575,000 | 2,606 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $995,000 | 2,076 |
| Income before extraordinary items | $1,580,000 | 3,098 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,580,000 | 3,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,371 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,580,000 | 3,003 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,019,000 | 5,070 |
| Total interest expense | $2,862,000 | 5,101 |
| Net interest income | $3,157,000 | 4,973 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $342,000 | 5,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 5,915 |
| Total noninterest expense | $2,555,000 | 4,785 |
| Salaries and employee benefits | $1,266,000 | 4,984 |
| Premises and equipment expense | $433,000 | 4,251 |
| Additional noninterest expense | $856,000 | 4,514 |
| Pre-tax net operating income | $764,000 | 5,993 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $258,000 | 4,918 |
| Income before extraordinary items | $506,000 | 6,283 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $506,000 | 6,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,468 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $506,000 | 6,302 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,548,000 | 5,894 |
| Total interest expense | $1,852,000 | 6,261 |
| Net interest income | $2,696,000 | 5,541 |
| Provision for loan and lease losses | $191,000 | 3,654 |
| Total noninterest income | $257,000 | 6,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 5,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,650 |
| Total noninterest expense | $2,093,000 | 5,512 |
| Salaries and employee benefits | $1,079,000 | 5,585 |
| Premises and equipment expense | $339,000 | 5,072 |
| Additional noninterest expense | $675,000 | 5,379 |
| Pre-tax net operating income | $669,000 | 6,436 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $231,000 | 5,393 |
| Income before extraordinary items | $440,000 | 6,763 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $440,000 | 6,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $110,000 | 5,991 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $438,680 | 6,751 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,093,000 | 7,422 |
| Total interest expense | $1,347,000 | 7,546 |
| Net interest income | $1,746,000 | 7,169 |
| Provision for loan and lease losses | $42,000 | 6,869 |
| Total noninterest income | $237,000 | 7,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,989 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $90,000 | 6,875 |
| Total noninterest expense | $1,681,000 | 6,262 |
| Salaries and employee benefits | $834,000 | 6,539 |
| Premises and equipment expense | $288,000 | 5,507 |
| Additional noninterest expense | $559,000 | 6,024 |
| Pre-tax net operating income | $260,000 | 8,612 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $102,000 | 7,498 |
| Income before extraordinary items | $170,000 | 8,838 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $170,000 | 8,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $184,000 | 5,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $162,320 | 8,830 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,559,000 | 8,308 |
| Total interest expense | $1,162,000 | 8,224 |
| Net interest income | $1,397,000 | 8,246 |
| Provision for loan and lease losses | $82,000 | 5,614 |
| Total noninterest income | $278,000 | 6,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,563 |
| Total noninterest expense | $1,334,000 | 7,222 |
| Salaries and employee benefits | $652,000 | 7,593 |
| Premises and equipment expense | $221,000 | 6,483 |
| Additional noninterest expense | $461,000 | 6,836 |
| Pre-tax net operating income | $259,000 | 9,241 |
| Securities gains (losses) | $-12,000 | 10,127 |
| Applicable income taxes | $65,000 | 8,998 |
| Income before extraordinary items | $182,000 | 9,319 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $182,000 | 9,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,223 |
| Cash dividends | $60,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $1,001,000 | 453 |
| Net operating income | $190,880 | 9,199 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,857,000 | 9,578 |
| Total interest expense | $905,000 | 9,319 |
| Net interest income | $952,000 | 9,686 |
| Provision for loan and lease losses | $69,000 | 5,880 |
| Total noninterest income | $229,000 | 7,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 7,883 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 6,070 |
| Total noninterest expense | $943,000 | 8,905 |
| Salaries and employee benefits | $427,000 | 9,409 |
| Premises and equipment expense | $143,000 | 8,222 |
| Additional noninterest expense | $373,000 | 8,133 |
| Pre-tax net operating income | $169,000 | 9,965 |
| Securities gains (losses) | $-19,000 | 10,606 |
| Applicable income taxes | $30,000 | 10,034 |
| Income before extraordinary items | $120,000 | 10,043 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $120,000 | 10,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,880 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $135,200 | 9,883 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,371,000 | 10,732 |
| Total interest expense | $594,000 | 10,687 |
| Net interest income | $777,000 | 10,603 |
| Provision for loan and lease losses | $30,000 | 7,070 |
| Total noninterest income | $314,000 | 6,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $70,000 | 8,614 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 4,551 |
| Total noninterest expense | $729,000 | 10,073 |
| Salaries and employee benefits | $258,000 | 11,095 |
| Premises and equipment expense | $70,000 | 10,479 |
| Additional noninterest expense | $401,000 | 8,182 |
| Pre-tax net operating income | $332,000 | 9,513 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $111,000 | 8,958 |
| Income before extraordinary items | $217,000 | 9,749 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $217,000 | 9,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $60,000 | 7,552 |
| Sale, conversion, retirement of capital stock, net | $406,000 | 398 |
| Net operating income | $219,640 | 9,691 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $906,000 | 11,880 |
| Total interest expense | $307,000 | 12,011 |
| Net interest income | $599,000 | 11,711 |
| Provision for loan and lease losses | $23,000 | 7,639 |
| Total noninterest income | $286,000 | 7,439 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 9,216 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $222,000 | 4,938 |
| Total noninterest expense | $702,000 | 10,694 |
| Salaries and employee benefits | $239,000 | 11,761 |
| Premises and equipment expense | $76,000 | 10,773 |
| Additional noninterest expense | $387,000 | 8,949 |
| Pre-tax net operating income | $160,000 | 11,189 |
| Securities gains (losses) | $20,000 | 1,779 |
| Applicable income taxes | $39,000 | 10,719 |
| Income before extraordinary items | $141,000 | 10,921 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $141,000 | 10,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $30,000 | 8,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $125,400 | 11,157 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $731,000 | 12,763 |
| Total interest expense | $219,000 | 12,939 |
| Net interest income | $512,000 | 12,517 |
| Provision for loan and lease losses | $31,000 | 8,369 |
| Total noninterest income | $274,000 | 8,008 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $59,000 | 9,720 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $215,000 | 5,444 |
| Total noninterest expense | $603,000 | 11,636 |
| Salaries and employee benefits | $177,000 | 12,811 |
| Premises and equipment expense | $72,000 | 11,428 |
| Additional noninterest expense | $354,000 | 9,795 |
| Pre-tax net operating income | $152,000 | 11,457 |
| Securities gains (losses) | $10,000 | 5,473 |
| Applicable income taxes | $60,000 | 10,703 |
| Income before extraordinary items | $102,000 | 11,783 |
| Extraordinary gains, net | $44,000 | 2,256 |
| Net income | $146,000 | 11,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $24,000 | 8,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $95,600 | 11,651 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $525,000 | 13,685 |
| Total interest expense | $194,000 | 13,720 |
| Net interest income | $331,000 | 13,558 |
| Provision for loan and lease losses | $10,000 | 11,168 |
| Total noninterest income | $213,000 | 9,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $55,000 | 10,113 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 6,458 |
| Total noninterest expense | $504,000 | 12,616 |
| Salaries and employee benefits | $155,000 | 13,520 |
| Premises and equipment expense | $67,000 | 11,992 |
| Additional noninterest expense | $282,000 | 11,101 |
| Pre-tax net operating income | $30,000 | 12,535 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $11,000 | 12,338 |
| Income before extraordinary items | $27,000 | 12,728 |
| Extraordinary gains, net | $11,000 | 1,325 |
| Net income | $38,000 | 12,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $21,320 | 12,531 |
* 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.