Home > Bryan Bank & Trust > Income and Expense
Bryan Bank & Trust, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,980,000 | 2,466 |
| Total interest expense | $1,087,000 | 2,889 |
| Net interest income | $6,893,000 | 2,380 |
| Provision for loan and lease losses | $2,050,000 | 836 |
| Total noninterest income | $-455,000 | 7,106 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $358,000 | 2,607 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-813,000 | 7,115 |
| Total noninterest expense | $4,836,000 | 2,875 |
| Salaries and employee benefits | $1,662,000 | 3,878 |
| Premises and equipment expense | $270,000 | 4,598 |
| Additional noninterest expense | $2,904,000 | 1,720 |
| Pre-tax net operating income | $-448,000 | 6,666 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $2,335,000 | 618 |
| Income before extraordinary items | $-2,783,000 | 7,041 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,783,000 | 7,039 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,783,000 | 7,040 |
| Net charge-offs | $1,807,000 | 981 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-2,783,000 | 7,030 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,463,000 | 2,428 |
| Total interest expense | $770,000 | 2,857 |
| Net interest income | $4,693,000 | 2,326 |
| Provision for loan and lease losses | $1,725,000 | 724 |
| Total noninterest income | $-136,000 | 7,122 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $241,000 | 2,562 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-377,000 | 7,146 |
| Total noninterest expense | $2,987,000 | 3,079 |
| Salaries and employee benefits | $1,134,000 | 3,841 |
| Premises and equipment expense | $179,000 | 4,631 |
| Additional noninterest expense | $1,674,000 | 1,960 |
| Pre-tax net operating income | $-155,000 | 6,588 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-160,000 | 7,051 |
| Income before extraordinary items | $5,000 | 6,440 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $5,000 | 6,440 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $5,000 | 6,440 |
| Net charge-offs | $299,000 | 2,329 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $5,000 | 6,307 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,831,000 | 2,385 |
| Total interest expense | $399,000 | 2,868 |
| Net interest income | $2,432,000 | 2,252 |
| Provision for loan and lease losses | $1,325,000 | 496 |
| Total noninterest income | $-176,000 | 7,237 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $124,000 | 2,487 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-300,000 | 7,244 |
| Total noninterest expense | $1,490,000 | 3,070 |
| Salaries and employee benefits | $565,000 | 3,871 |
| Premises and equipment expense | $89,000 | 4,667 |
| Additional noninterest expense | $836,000 | 1,963 |
| Pre-tax net operating income | $-559,000 | 7,069 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-285,000 | 7,229 |
| Income before extraordinary items | $-274,000 | 6,968 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-274,000 | 6,969 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-274,000 | 6,969 |
| Net charge-offs | $48,000 | 3,050 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-274,000 | 6,933 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,845,000 | 2,346 |
| Total interest expense | $2,088,000 | 2,678 |
| Net interest income | $9,757,000 | 2,250 |
| Provision for loan and lease losses | $6,440,000 | 645 |
| Total noninterest income | $506,000 | 4,384 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $513,000 | 2,513 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-7,000 | 6,741 |
| Total noninterest expense | $5,649,000 | 3,204 |
| Salaries and employee benefits | $1,840,000 | 4,379 |
| Premises and equipment expense | $354,000 | 4,833 |
| Additional noninterest expense | $3,455,000 | 1,951 |
| Pre-tax net operating income | $-1,826,000 | 6,765 |
| Securities gains (losses) | $163,000 | 1,628 |
| Applicable income taxes | $-785,000 | 7,138 |
| Income before extraordinary items | $-878,000 | 6,608 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-878,000 | 6,609 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-878,000 | 6,608 |
| Net charge-offs | $7,091,000 | 602 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-982,320 | 6,606 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,046,000 | 2,332 |
| Total interest expense | $1,649,000 | 2,663 |
| Net interest income | $7,397,000 | 2,231 |
| Provision for loan and lease losses | $5,740,000 | 550 |
| Total noninterest income | $380,000 | 4,423 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $388,000 | 2,511 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-8,000 | 6,918 |
| Total noninterest expense | $4,254,000 | 3,208 |
| Salaries and employee benefits | $1,425,000 | 4,299 |
| Premises and equipment expense | $272,000 | 4,847 |
| Additional noninterest expense | $2,557,000 | 1,981 |
| Pre-tax net operating income | $-2,217,000 | 7,025 |
| Securities gains (losses) | $163,000 | 1,357 |
| Applicable income taxes | $-1,000,000 | 7,300 |
| Income before extraordinary items | $-1,054,000 | 6,874 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,054,000 | 6,876 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,054,000 | 6,875 |
| Net charge-offs | $3,558,000 | 828 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,158,320 | 6,868 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,098,000 | 2,336 |
| Total interest expense | $1,160,000 | 2,629 |
| Net interest income | $4,938,000 | 2,225 |
| Provision for loan and lease losses | $4,940,000 | 448 |
| Total noninterest income | $71,000 | 6,267 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $261,000 | 2,473 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-190,000 | 7,272 |
| Total noninterest expense | $2,866,000 | 3,215 |
| Salaries and employee benefits | $945,000 | 4,343 |
| Premises and equipment expense | $179,000 | 4,911 |
| Additional noninterest expense | $1,742,000 | 1,957 |
| Pre-tax net operating income | $-2,797,000 | 7,247 |
| Securities gains (losses) | $61,000 | 1,468 |
| Applicable income taxes | $-1,170,000 | 7,422 |
| Income before extraordinary items | $-1,566,000 | 7,151 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,566,000 | 7,152 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,566,000 | 7,152 |
| Net charge-offs | $2,318,000 | 824 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-1,605,040 | 7,147 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,095,000 | 2,309 |
| Total interest expense | $612,000 | 2,594 |
| Net interest income | $2,483,000 | 2,200 |
| Provision for loan and lease losses | $1,100,000 | 794 |
| Total noninterest income | $220,000 | 3,392 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $136,000 | 2,370 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $84,000 | 3,827 |
| Total noninterest expense | $1,419,000 | 3,248 |
| Salaries and employee benefits | $476,000 | 4,368 |
| Premises and equipment expense | $87,000 | 5,036 |
| Additional noninterest expense | $856,000 | 1,977 |
| Pre-tax net operating income | $184,000 | 4,370 |
| Securities gains (losses) | $61,000 | 695 |
| Applicable income taxes | $50,000 | 2,820 |
| Income before extraordinary items | $195,000 | 4,028 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $195,000 | 4,027 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $195,000 | 4,028 |
| Net charge-offs | $365,000 | 1,591 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $146,200 | 4,437 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,950,000 | 2,319 |
| Total interest expense | $2,931,000 | 2,656 |
| Net interest income | $10,019,000 | 2,188 |
| Provision for loan and lease losses | $7,775,000 | 822 |
| Total noninterest income | $1,104,000 | 3,055 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $713,000 | 2,006 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $391,000 | 3,552 |
| Total noninterest expense | $5,566,000 | 3,301 |
| Salaries and employee benefits | $1,876,000 | 4,419 |
| Premises and equipment expense | $342,000 | 5,115 |
| Additional noninterest expense | $3,348,000 | 2,078 |
| Pre-tax net operating income | $-2,218,000 | 6,813 |
| Securities gains (losses) | $55,000 | 2,599 |
| Applicable income taxes | $-1,085,000 | 7,335 |
| Income before extraordinary items | $-1,078,000 | 6,619 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,078,000 | 6,620 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,078,000 | 6,620 |
| Net charge-offs | $6,110,000 | 869 |
| Cash dividends | $300,000 | 2,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,113,200 | 6,598 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,825,000 | 2,349 |
| Total interest expense | $2,261,000 | 2,687 |
| Net interest income | $7,564,000 | 2,189 |
| Provision for loan and lease losses | $4,275,000 | 989 |
| Total noninterest income | $866,000 | 3,002 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $545,000 | 2,042 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $321,000 | 3,454 |
| Total noninterest expense | $4,130,000 | 3,328 |
| Salaries and employee benefits | $1,411,000 | 4,444 |
| Premises and equipment expense | $257,000 | 5,172 |
| Additional noninterest expense | $2,462,000 | 2,098 |
| Pre-tax net operating income | $25,000 | 5,881 |
| Securities gains (losses) | $55,000 | 2,354 |
| Applicable income taxes | $-160,000 | 7,154 |
| Income before extraordinary items | $240,000 | 5,135 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $240,000 | 5,137 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $240,000 | 5,138 |
| Net charge-offs | $2,867,000 | 1,183 |
| Cash dividends | $300,000 | 2,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $185,000 | 5,208 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,625,000 | 2,356 |
| Total interest expense | $1,532,000 | 2,737 |
| Net interest income | $5,093,000 | 2,177 |
| Provision for loan and lease losses | $2,375,000 | 1,125 |
| Total noninterest income | $617,000 | 2,816 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $368,000 | 2,013 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $249,000 | 3,132 |
| Total noninterest expense | $2,766,000 | 3,323 |
| Salaries and employee benefits | $990,000 | 4,315 |
| Premises and equipment expense | $164,000 | 5,318 |
| Additional noninterest expense | $1,612,000 | 2,121 |
| Pre-tax net operating income | $569,000 | 3,411 |
| Securities gains (losses) | $55,000 | 1,822 |
| Applicable income taxes | $130,000 | 2,550 |
| Income before extraordinary items | $494,000 | 3,436 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $494,000 | 3,433 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $494,000 | 3,435 |
| Net charge-offs | $1,358,000 | 1,459 |
| Cash dividends | $300,000 | 1,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $450,550 | 3,477 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,312,000 | 2,408 |
| Total interest expense | $777,000 | 2,826 |
| Net interest income | $2,535,000 | 2,194 |
| Provision for loan and lease losses | $1,080,000 | 1,108 |
| Total noninterest income | $315,000 | 2,771 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $185,000 | 2,008 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $130,000 | 3,077 |
| Total noninterest expense | $1,380,000 | 3,370 |
| Salaries and employee benefits | $498,000 | 4,371 |
| Premises and equipment expense | $82,000 | 5,391 |
| Additional noninterest expense | $800,000 | 2,121 |
| Pre-tax net operating income | $390,000 | 2,881 |
| Securities gains (losses) | $37,000 | 1,271 |
| Applicable income taxes | $115,000 | 1,991 |
| Income before extraordinary items | $312,000 | 3,059 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $312,000 | 3,055 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $312,000 | 3,059 |
| Net charge-offs | $270,000 | 2,135 |
| Cash dividends | $300,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $284,990 | 3,125 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,467,000 | 2,480 |
| Total interest expense | $4,039,000 | 2,712 |
| Net interest income | $9,428,000 | 2,313 |
| Provision for loan and lease losses | $2,015,000 | 2,466 |
| Total noninterest income | $1,627,000 | 2,428 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $695,000 | 2,269 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $932,000 | 2,240 |
| Total noninterest expense | $5,331,000 | 3,487 |
| Salaries and employee benefits | $1,940,000 | 4,453 |
| Premises and equipment expense | $372,000 | 5,173 |
| Additional noninterest expense | $3,019,000 | 2,329 |
| Pre-tax net operating income | $3,709,000 | 1,108 |
| Securities gains (losses) | $576,000 | 791 |
| Applicable income taxes | $1,465,000 | 713 |
| Income before extraordinary items | $2,820,000 | 1,188 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,820,000 | 1,186 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,820,000 | 1,187 |
| Net charge-offs | $995,000 | 2,868 |
| Cash dividends | $1,700,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $2,439,840 | 1,341 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,135,000 | 2,509 |
| Total interest expense | $3,171,000 | 2,716 |
| Net interest income | $6,964,000 | 2,342 |
| Provision for loan and lease losses | $1,265,000 | 2,459 |
| Total noninterest income | $1,306,000 | 2,385 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $514,000 | 2,303 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $792,000 | 2,140 |
| Total noninterest expense | $4,032,000 | 3,479 |
| Salaries and employee benefits | $1,493,000 | 4,404 |
| Premises and equipment expense | $282,000 | 5,188 |
| Additional noninterest expense | $2,257,000 | 2,310 |
| Pre-tax net operating income | $2,973,000 | 1,104 |
| Securities gains (losses) | $328,000 | 942 |
| Applicable income taxes | $1,140,000 | 763 |
| Income before extraordinary items | $2,161,000 | 1,241 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $2,161,000 | 1,239 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $2,161,000 | 1,241 |
| Net charge-offs | $413,000 | 3,302 |
| Cash dividends | $950,000 | 1,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,947,800 | 1,346 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,633,000 | 2,580 |
| Total interest expense | $2,191,000 | 2,749 |
| Net interest income | $4,442,000 | 2,428 |
| Provision for loan and lease losses | $300,000 | 3,683 |
| Total noninterest income | $924,000 | 2,306 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $333,000 | 2,320 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $591,000 | 2,010 |
| Total noninterest expense | $2,729,000 | 3,474 |
| Salaries and employee benefits | $1,021,000 | 4,371 |
| Premises and equipment expense | $178,000 | 5,368 |
| Additional noninterest expense | $1,530,000 | 2,292 |
| Pre-tax net operating income | $2,337,000 | 974 |
| Securities gains (losses) | $110,000 | 1,424 |
| Applicable income taxes | $860,000 | 703 |
| Income before extraordinary items | $1,587,000 | 1,191 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,587,000 | 1,189 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,587,000 | 1,190 |
| Net charge-offs | $330,000 | 2,818 |
| Cash dividends | $800,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,515,500 | 1,213 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,249,000 | 2,656 |
| Total interest expense | $1,132,000 | 2,771 |
| Net interest income | $2,117,000 | 2,559 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $640,000 | 1,806 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $172,000 | 2,214 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $468,000 | 1,445 |
| Total noninterest expense | $1,319,000 | 3,488 |
| Salaries and employee benefits | $529,000 | 4,288 |
| Premises and equipment expense | $87,000 | 5,464 |
| Additional noninterest expense | $703,000 | 2,224 |
| Pre-tax net operating income | $1,288,000 | 982 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $460,000 | 735 |
| Income before extraordinary items | $828,000 | 1,331 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $828,000 | 1,332 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $828,000 | 1,333 |
| Net charge-offs | $133,000 | 2,543 |
| Cash dividends | $600,000 | 715 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $828,000 | 1,255 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,317,000 | 2,588 |
| Total interest expense | $5,282,000 | 2,835 |
| Net interest income | $9,035,000 | 2,415 |
| Provision for loan and lease losses | $580,000 | 3,572 |
| Total noninterest income | $2,018,000 | 2,136 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $766,000 | 2,199 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,252,000 | 1,825 |
| Total noninterest expense | $5,064,000 | 3,528 |
| Salaries and employee benefits | $2,114,000 | 4,271 |
| Premises and equipment expense | $309,000 | 5,728 |
| Additional noninterest expense | $2,641,000 | 2,243 |
| Pre-tax net operating income | $5,409,000 | 1,025 |
| Securities gains (losses) | $43,000 | 1,704 |
| Applicable income taxes | $1,945,000 | 693 |
| Income before extraordinary items | $3,507,000 | 1,187 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,507,000 | 1,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 4,351 |
| Cash dividends | $1,000,000 | 2,281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,479,480 | 1,277 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,890,000 | 2,597 |
| Total interest expense | $4,015,000 | 2,895 |
| Net interest income | $6,875,000 | 2,401 |
| Provision for loan and lease losses | $475,000 | 2,804 |
| Total noninterest income | $1,716,000 | 1,997 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $582,000 | 2,199 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,134,000 | 1,666 |
| Total noninterest expense | $3,803,000 | 3,504 |
| Salaries and employee benefits | $1,583,000 | 4,296 |
| Premises and equipment expense | $203,000 | 6,060 |
| Additional noninterest expense | $2,017,000 | 2,151 |
| Pre-tax net operating income | $4,313,000 | 1,173 |
| Securities gains (losses) | $43,000 | 1,518 |
| Applicable income taxes | $1,550,000 | 812 |
| Income before extraordinary items | $2,806,000 | 1,323 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,806,000 | 1,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,727 |
| Cash dividends | $1,000,000 | 1,791 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,778,480 | 1,413 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,242,000 | 2,634 |
| Total interest expense | $2,729,000 | 2,952 |
| Net interest income | $4,513,000 | 2,419 |
| Provision for loan and lease losses | $220,000 | 3,001 |
| Total noninterest income | $941,000 | 2,329 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $375,000 | 2,233 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $566,000 | 2,070 |
| Total noninterest expense | $2,477,000 | 3,593 |
| Salaries and employee benefits | $1,039,000 | 4,391 |
| Premises and equipment expense | $129,000 | 6,213 |
| Additional noninterest expense | $1,309,000 | 2,163 |
| Pre-tax net operating income | $2,757,000 | 1,279 |
| Securities gains (losses) | $43,000 | 1,544 |
| Applicable income taxes | $1,000,000 | 941 |
| Income before extraordinary items | $1,800,000 | 1,519 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,800,000 | 1,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,854 |
| Cash dividends | $700,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,772,480 | 1,513 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,746,000 | 2,615 |
| Total interest expense | $1,481,000 | 2,913 |
| Net interest income | $2,265,000 | 2,422 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $563,000 | 2,055 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $160,000 | 2,478 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $403,000 | 1,621 |
| Total noninterest expense | $1,213,000 | 3,661 |
| Salaries and employee benefits | $507,000 | 4,503 |
| Premises and equipment expense | $64,000 | 6,286 |
| Additional noninterest expense | $642,000 | 2,179 |
| Pre-tax net operating income | $1,510,000 | 1,256 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $545,000 | 937 |
| Income before extraordinary items | $965,000 | 1,553 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $965,000 | 1,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $965,000 | 1,497 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,757,000 | 2,570 |
| Total interest expense | $6,145,000 | 2,955 |
| Net interest income | $9,612,000 | 2,318 |
| Provision for loan and lease losses | $420,000 | 2,620 |
| Total noninterest income | $1,176,000 | 3,183 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $585,000 | 2,725 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $591,000 | 3,020 |
| Total noninterest expense | $4,416,000 | 3,814 |
| Salaries and employee benefits | $1,810,000 | 4,730 |
| Premises and equipment expense | $286,000 | 5,897 |
| Additional noninterest expense | $2,320,000 | 2,329 |
| Pre-tax net operating income | $5,952,000 | 1,407 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,140,000 | 1,072 |
| Income before extraordinary items | $3,812,000 | 1,663 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,812,000 | 1,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,077 |
| Cash dividends | $2,600,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,812,000 | 1,651 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,719,000 | 2,588 |
| Total interest expense | $4,500,000 | 3,000 |
| Net interest income | $7,219,000 | 2,330 |
| Provision for loan and lease losses | $275,000 | 2,431 |
| Total noninterest income | $885,000 | 3,164 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $434,000 | 2,737 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $451,000 | 3,013 |
| Total noninterest expense | $3,293,000 | 3,817 |
| Salaries and employee benefits | $1,378,000 | 4,638 |
| Premises and equipment expense | $201,000 | 6,059 |
| Additional noninterest expense | $1,714,000 | 2,315 |
| Pre-tax net operating income | $4,536,000 | 1,489 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,630,000 | 1,141 |
| Income before extraordinary items | $2,906,000 | 1,736 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,906,000 | 1,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,913 |
| Cash dividends | $1,400,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,906,000 | 1,723 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,670,000 | 2,644 |
| Total interest expense | $2,880,000 | 3,102 |
| Net interest income | $4,790,000 | 2,365 |
| Provision for loan and lease losses | $170,000 | 2,429 |
| Total noninterest income | $612,000 | 3,109 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $303,000 | 2,629 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $309,000 | 2,969 |
| Total noninterest expense | $2,185,000 | 3,856 |
| Salaries and employee benefits | $924,000 | 4,667 |
| Premises and equipment expense | $133,000 | 6,120 |
| Additional noninterest expense | $1,128,000 | 2,354 |
| Pre-tax net operating income | $3,047,000 | 1,530 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,095,000 | 1,193 |
| Income before extraordinary items | $1,952,000 | 1,773 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,952,000 | 1,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,952,000 | 1,760 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,708,000 | 2,722 |
| Total interest expense | $1,371,000 | 3,207 |
| Net interest income | $2,337,000 | 2,419 |
| Provision for loan and lease losses | $65,000 | 2,671 |
| Total noninterest income | $328,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $154,000 | 2,550 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $174,000 | 2,761 |
| Total noninterest expense | $1,101,000 | 3,829 |
| Salaries and employee benefits | $465,000 | 4,677 |
| Premises and equipment expense | $67,000 | 6,138 |
| Additional noninterest expense | $569,000 | 2,299 |
| Pre-tax net operating income | $1,499,000 | 1,543 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $545,000 | 1,208 |
| Income before extraordinary items | $954,000 | 1,786 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $954,000 | 1,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $954,000 | 1,773 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,773,000 | 2,738 |
| Total interest expense | $4,410,000 | 3,337 |
| Net interest income | $9,363,000 | 2,427 |
| Provision for loan and lease losses | $200,000 | 3,517 |
| Total noninterest income | $1,254,000 | 3,036 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $649,000 | 2,532 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $605,000 | 2,998 |
| Total noninterest expense | $4,215,000 | 3,832 |
| Salaries and employee benefits | $1,708,000 | 4,786 |
| Premises and equipment expense | $294,000 | 5,789 |
| Additional noninterest expense | $2,213,000 | 2,346 |
| Pre-tax net operating income | $6,202,000 | 1,557 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,230,000 | 1,224 |
| Income before extraordinary items | $3,972,000 | 1,802 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,972,000 | 1,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $1,100,000 | 2,398 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,972,000 | 1,779 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,167,000 | 2,755 |
| Total interest expense | $3,166,000 | 3,351 |
| Net interest income | $7,001,000 | 2,457 |
| Provision for loan and lease losses | $195,000 | 2,911 |
| Total noninterest income | $943,000 | 3,052 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $491,000 | 2,516 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $452,000 | 3,014 |
| Total noninterest expense | $3,112,000 | 3,873 |
| Salaries and employee benefits | $1,273,000 | 4,775 |
| Premises and equipment expense | $216,000 | 5,862 |
| Additional noninterest expense | $1,623,000 | 2,380 |
| Pre-tax net operating income | $4,637,000 | 1,605 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,670,000 | 1,283 |
| Income before extraordinary items | $2,967,000 | 1,851 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,967,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $900,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,967,000 | 1,830 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,672,000 | 2,763 |
| Total interest expense | $2,036,000 | 3,330 |
| Net interest income | $4,636,000 | 2,471 |
| Provision for loan and lease losses | $175,000 | 2,349 |
| Total noninterest income | $622,000 | 3,047 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $328,000 | 2,482 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $294,000 | 3,068 |
| Total noninterest expense | $2,052,000 | 3,939 |
| Salaries and employee benefits | $831,000 | 4,872 |
| Premises and equipment expense | $143,000 | 5,891 |
| Additional noninterest expense | $1,078,000 | 2,394 |
| Pre-tax net operating income | $3,031,000 | 1,633 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,095,000 | 1,302 |
| Income before extraordinary items | $1,936,000 | 1,886 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,936,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $900,000 | 1,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,936,000 | 1,867 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,211,000 | 2,804 |
| Total interest expense | $976,000 | 3,315 |
| Net interest income | $2,235,000 | 2,535 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $296,000 | 3,115 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $161,000 | 2,439 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $135,000 | 3,166 |
| Total noninterest expense | $1,002,000 | 4,018 |
| Salaries and employee benefits | $406,000 | 4,960 |
| Premises and equipment expense | $66,000 | 6,124 |
| Additional noninterest expense | $530,000 | 2,418 |
| Pre-tax net operating income | $1,424,000 | 1,701 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $512,000 | 1,373 |
| Income before extraordinary items | $912,000 | 1,946 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $912,000 | 1,945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,875 |
| Cash dividends | $600,000 | 1,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $912,000 | 1,926 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,750,000 | 2,956 |
| Total interest expense | $3,001,000 | 3,329 |
| Net interest income | $7,749,000 | 2,783 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $1,226,000 | 3,098 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $711,000 | 2,316 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $515,000 | 3,319 |
| Total noninterest expense | $3,878,000 | 3,951 |
| Salaries and employee benefits | $1,649,000 | 4,759 |
| Premises and equipment expense | $272,000 | 5,988 |
| Additional noninterest expense | $1,957,000 | 2,543 |
| Pre-tax net operating income | $4,797,000 | 1,929 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,695,000 | 1,552 |
| Income before extraordinary items | $3,102,000 | 2,185 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,102,000 | 2,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,102,000 | 2,155 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,678,000 | 3,047 |
| Total interest expense | $2,084,000 | 3,399 |
| Net interest income | $5,594,000 | 2,854 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $899,000 | 3,143 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $515,000 | 2,381 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $384,000 | 3,350 |
| Total noninterest expense | $2,875,000 | 3,961 |
| Salaries and employee benefits | $1,222,000 | 4,772 |
| Premises and equipment expense | $201,000 | 6,019 |
| Additional noninterest expense | $1,452,000 | 2,534 |
| Pre-tax net operating income | $3,393,000 | 2,035 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,191,000 | 1,662 |
| Income before extraordinary items | $2,202,000 | 2,312 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,202,000 | 2,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,983 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,202,000 | 2,271 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,853,000 | 3,122 |
| Total interest expense | $1,285,000 | 3,463 |
| Net interest income | $3,568,000 | 2,948 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $571,000 | 3,216 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $342,000 | 2,353 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $229,000 | 3,524 |
| Total noninterest expense | $1,900,000 | 3,969 |
| Salaries and employee benefits | $817,000 | 4,741 |
| Premises and equipment expense | $128,000 | 6,137 |
| Additional noninterest expense | $955,000 | 2,554 |
| Pre-tax net operating income | $2,089,000 | 2,106 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $730,000 | 1,741 |
| Income before extraordinary items | $1,359,000 | 2,390 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,359,000 | 2,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,971 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,359,000 | 2,365 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,319,000 | 3,200 |
| Total interest expense | $597,000 | 3,514 |
| Net interest income | $1,722,000 | 3,030 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $265,000 | 3,337 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $162,000 | 2,403 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $103,000 | 3,676 |
| Total noninterest expense | $947,000 | 4,007 |
| Salaries and employee benefits | $413,000 | 4,716 |
| Premises and equipment expense | $62,000 | 6,259 |
| Additional noninterest expense | $472,000 | 2,573 |
| Pre-tax net operating income | $965,000 | 2,224 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $329,000 | 1,856 |
| Income before extraordinary items | $636,000 | 2,486 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $636,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $636,000 | 2,451 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,726,000 | 3,503 |
| Total interest expense | $1,943,000 | 3,734 |
| Net interest income | $5,783,000 | 3,390 |
| Provision for loan and lease losses | $200,000 | 3,677 |
| Total noninterest income | $1,291,000 | 2,973 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $674,000 | 2,458 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $617,000 | 2,936 |
| Total noninterest expense | $3,550,000 | 4,127 |
| Salaries and employee benefits | $1,569,000 | 4,773 |
| Premises and equipment expense | $249,000 | 6,197 |
| Additional noninterest expense | $1,732,000 | 2,757 |
| Pre-tax net operating income | $3,324,000 | 2,374 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,167,000 | 1,942 |
| Income before extraordinary items | $2,157,000 | 2,736 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,157,000 | 2,739 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,177 |
| Cash dividends | $1,250,000 | 1,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,157,000 | 2,677 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,577,000 | 3,595 |
| Total interest expense | $1,438,000 | 3,736 |
| Net interest income | $4,139,000 | 3,500 |
| Provision for loan and lease losses | $190,000 | 3,078 |
| Total noninterest income | $1,020,000 | 2,885 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $518,000 | 2,426 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $502,000 | 2,799 |
| Total noninterest expense | $2,584,000 | 4,205 |
| Salaries and employee benefits | $1,116,000 | 4,930 |
| Premises and equipment expense | $184,000 | 6,222 |
| Additional noninterest expense | $1,284,000 | 2,735 |
| Pre-tax net operating income | $2,385,000 | 2,494 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $832,000 | 2,046 |
| Income before extraordinary items | $1,553,000 | 2,871 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,553,000 | 2,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,314 |
| Cash dividends | $1,000,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,553,000 | 2,797 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,595,000 | 3,699 |
| Total interest expense | $953,000 | 3,752 |
| Net interest income | $2,642,000 | 3,622 |
| Provision for loan and lease losses | $135,000 | 2,929 |
| Total noninterest income | $715,000 | 2,798 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $348,000 | 2,406 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $367,000 | 2,655 |
| Total noninterest expense | $1,694,000 | 4,276 |
| Salaries and employee benefits | $743,000 | 4,960 |
| Premises and equipment expense | $120,000 | 6,318 |
| Additional noninterest expense | $831,000 | 2,836 |
| Pre-tax net operating income | $1,528,000 | 2,549 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $529,000 | 2,109 |
| Income before extraordinary items | $999,000 | 2,943 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $999,000 | 2,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $750,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $999,000 | 2,858 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 3,758 |
| Total interest expense | $473,000 | 3,819 |
| Net interest income | $1,295,000 | 3,659 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $403,000 | 2,518 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $176,000 | 2,323 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $227,000 | 2,274 |
| Total noninterest expense | $829,000 | 4,371 |
| Salaries and employee benefits | $366,000 | 5,027 |
| Premises and equipment expense | $60,000 | 6,320 |
| Additional noninterest expense | $403,000 | 2,892 |
| Pre-tax net operating income | $809,000 | 2,409 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $275,000 | 2,054 |
| Income before extraordinary items | $534,000 | 2,781 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $534,000 | 2,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,591 |
| Cash dividends | $350,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $534,000 | 2,685 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,918,000 | 3,863 |
| Total interest expense | $2,076,000 | 3,915 |
| Net interest income | $4,842,000 | 3,761 |
| Provision for loan and lease losses | $255,000 | 3,498 |
| Total noninterest income | $1,195,000 | 3,304 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $699,000 | 2,357 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $496,000 | 3,597 |
| Total noninterest expense | $3,193,000 | 4,417 |
| Salaries and employee benefits | $1,380,000 | 5,137 |
| Premises and equipment expense | $243,000 | 6,261 |
| Additional noninterest expense | $1,570,000 | 2,951 |
| Pre-tax net operating income | $2,589,000 | 2,813 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $884,000 | 2,351 |
| Income before extraordinary items | $1,705,000 | 3,229 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,705,000 | 3,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,136 |
| Cash dividends | $1,100,000 | 2,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,705,000 | 3,093 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,123,000 | 3,952 |
| Total interest expense | $1,614,000 | 3,918 |
| Net interest income | $3,509,000 | 3,893 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $915,000 | 3,326 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $529,000 | 2,354 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $386,000 | 3,598 |
| Total noninterest expense | $2,431,000 | 4,359 |
| Salaries and employee benefits | $1,062,000 | 5,041 |
| Premises and equipment expense | $182,000 | 6,259 |
| Additional noninterest expense | $1,187,000 | 2,906 |
| Pre-tax net operating income | $1,768,000 | 3,109 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $594,000 | 2,688 |
| Income before extraordinary items | $1,174,000 | 3,559 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,174,000 | 3,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $950,000 | 1,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,174,000 | 3,388 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,415,000 | 3,983 |
| Total interest expense | $1,116,000 | 3,906 |
| Net interest income | $2,299,000 | 3,961 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $600,000 | 3,345 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $360,000 | 2,287 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $240,000 | 3,696 |
| Total noninterest expense | $1,638,000 | 4,320 |
| Salaries and employee benefits | $724,000 | 4,949 |
| Premises and equipment expense | $121,000 | 6,238 |
| Additional noninterest expense | $793,000 | 2,888 |
| Pre-tax net operating income | $1,111,000 | 3,266 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $372,000 | 2,833 |
| Income before extraordinary items | $739,000 | 3,710 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $739,000 | 3,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $650,000 | 1,794 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $739,000 | 3,510 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 4,004 |
| Total interest expense | $572,000 | 3,910 |
| Net interest income | $1,135,000 | 3,996 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $288,000 | 3,344 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $184,000 | 2,179 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $104,000 | 3,853 |
| Total noninterest expense | $816,000 | 4,302 |
| Salaries and employee benefits | $439,000 | 4,325 |
| Premises and equipment expense | $60,000 | 6,275 |
| Additional noninterest expense | $317,000 | 3,490 |
| Pre-tax net operating income | $532,000 | 3,354 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $174,000 | 2,932 |
| Income before extraordinary items | $358,000 | 3,747 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $358,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,123 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $358,000 | 3,572 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,119,000 | 3,997 |
| Total interest expense | $2,703,000 | 3,860 |
| Net interest income | $4,416,000 | 4,067 |
| Provision for loan and lease losses | $170,000 | 4,692 |
| Total noninterest income | $1,102,000 | 3,260 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $701,000 | 2,246 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $401,000 | 3,694 |
| Total noninterest expense | $2,964,000 | 4,497 |
| Salaries and employee benefits | $1,691,000 | 4,286 |
| Premises and equipment expense | $250,000 | 6,143 |
| Additional noninterest expense | $1,023,000 | 4,106 |
| Pre-tax net operating income | $2,384,000 | 2,991 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $766,000 | 2,674 |
| Income before extraordinary items | $1,618,000 | 3,295 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,618,000 | 3,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,450 |
| Cash dividends | $1,050,000 | 2,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,618,000 | 3,204 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,339,000 | 3,880 |
| Total interest expense | $3,958,000 | 3,832 |
| Net interest income | $4,381,000 | 3,842 |
| Provision for loan and lease losses | $150,000 | 4,756 |
| Total noninterest income | $1,061,000 | 3,205 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $541,000 | 2,650 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $520,000 | 3,057 |
| Total noninterest expense | $2,806,000 | 4,569 |
| Salaries and employee benefits | $1,634,000 | 4,243 |
| Premises and equipment expense | $217,000 | 6,533 |
| Additional noninterest expense | $955,000 | 4,218 |
| Pre-tax net operating income | $2,486,000 | 2,678 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $807,000 | 2,411 |
| Income before extraordinary items | $1,679,000 | 2,956 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,679,000 | 2,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,963 |
| Cash dividends | $1,400,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,679,000 | 2,860 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,195,000 | 4,048 |
| Total interest expense | $3,459,000 | 4,420 |
| Net interest income | $4,736,000 | 3,642 |
| Provision for loan and lease losses | $285,000 | 2,968 |
| Total noninterest income | $904,000 | 3,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $515,000 | 2,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $389,000 | 3,416 |
| Total noninterest expense | $2,716,000 | 4,574 |
| Salaries and employee benefits | $1,633,000 | 4,082 |
| Premises and equipment expense | $218,000 | 6,486 |
| Additional noninterest expense | $865,000 | 4,476 |
| Pre-tax net operating income | $2,639,000 | 2,645 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $868,000 | 2,367 |
| Income before extraordinary items | $1,771,000 | 2,832 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,771,000 | 2,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,482 |
| Cash dividends | $1,100,000 | 2,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,771,000 | 2,828 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,425,000 | 4,718 |
| Total interest expense | $2,463,000 | 5,237 |
| Net interest income | $3,962,000 | 4,203 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $874,000 | 3,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,046 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $447,000 | 3,171 |
| Total noninterest expense | $2,507,000 | 4,875 |
| Salaries and employee benefits | $1,479,000 | 4,389 |
| Premises and equipment expense | $245,000 | 6,111 |
| Additional noninterest expense | $783,000 | 4,872 |
| Pre-tax net operating income | $2,209,000 | 3,085 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $738,000 | 2,806 |
| Income before extraordinary items | $1,471,000 | 3,294 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,471,000 | 3,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $645,000 | 3,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,471,000 | 3,255 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,199,000 | 4,876 |
| Total interest expense | $2,565,000 | 5,271 |
| Net interest income | $3,634,000 | 4,448 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $905,000 | 3,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $391,000 | 3,196 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $514,000 | 2,931 |
| Total noninterest expense | $2,379,000 | 4,935 |
| Salaries and employee benefits | $1,427,000 | 4,423 |
| Premises and equipment expense | $232,000 | 6,228 |
| Additional noninterest expense | $720,000 | 5,060 |
| Pre-tax net operating income | $1,980,000 | 3,372 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $666,000 | 3,142 |
| Income before extraordinary items | $1,316,000 | 3,644 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,316,000 | 3,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,060 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,314,680 | 3,552 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,535,000 | 5,386 |
| Total interest expense | $2,260,000 | 5,783 |
| Net interest income | $3,275,000 | 4,968 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $718,000 | 3,907 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $422,000 | 3,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $296,000 | 3,959 |
| Total noninterest expense | $2,048,000 | 5,567 |
| Salaries and employee benefits | $1,213,000 | 5,048 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $627,000 | 5,638 |
| Pre-tax net operating income | $1,765,000 | 3,914 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $590,000 | 3,729 |
| Income before extraordinary items | $1,177,000 | 4,123 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,177,000 | 4,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,067 |
| Cash dividends | $650,000 | 2,910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,175,660 | 4,067 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,828,000 | 6,086 |
| Total interest expense | $1,921,000 | 6,581 |
| Net interest income | $2,907,000 | 5,573 |
| Provision for loan and lease losses | $90,000 | 5,326 |
| Total noninterest income | $547,000 | 4,861 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,586 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $178,000 | 5,501 |
| Total noninterest expense | $1,817,000 | 6,346 |
| Salaries and employee benefits | $1,002,000 | 5,980 |
| Premises and equipment expense | $199,000 | 7,045 |
| Additional noninterest expense | $616,000 | 6,255 |
| Pre-tax net operating income | $1,547,000 | 4,226 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $515,000 | 4,057 |
| Income before extraordinary items | $1,032,000 | 4,369 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,032,000 | 4,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,831 |
| Cash dividends | $459,000 | 3,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,032,000 | 4,317 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,433,000 | 6,531 |
| Total interest expense | $1,790,000 | 6,926 |
| Net interest income | $2,643,000 | 6,060 |
| Provision for loan and lease losses | $85,000 | 4,951 |
| Total noninterest income | $405,000 | 5,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $304,000 | 4,254 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,205 |
| Total noninterest expense | $1,585,000 | 7,021 |
| Salaries and employee benefits | $798,000 | 7,110 |
| Premises and equipment expense | $174,000 | 7,727 |
| Additional noninterest expense | $613,000 | 6,457 |
| Pre-tax net operating income | $1,378,000 | 4,755 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $458,000 | 4,475 |
| Income before extraordinary items | $920,000 | 4,902 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $920,000 | 4,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,475 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $920,000 | 4,900 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,447,000 | 7,413 |
| Total interest expense | $1,258,000 | 7,696 |
| Net interest income | $2,189,000 | 7,116 |
| Provision for loan and lease losses | $20,000 | 7,754 |
| Total noninterest income | $394,000 | 6,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $271,000 | 4,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $123,000 | 6,852 |
| Total noninterest expense | $1,430,000 | 7,822 |
| Salaries and employee benefits | $711,000 | 7,791 |
| Premises and equipment expense | $148,000 | 8,603 |
| Additional noninterest expense | $571,000 | 7,251 |
| Pre-tax net operating income | $1,133,000 | 5,453 |
| Securities gains (losses) | $-7,000 | 9,611 |
| Applicable income taxes | $370,000 | 5,051 |
| Income before extraordinary items | $756,000 | 5,582 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $756,000 | 5,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 11,617 |
| Cash dividends | $225,000 | 5,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $760,690 | 5,628 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,825,000 | 8,619 |
| Total interest expense | $1,146,000 | 8,499 |
| Net interest income | $1,679,000 | 8,556 |
| Provision for loan and lease losses | $50,000 | 7,415 |
| Total noninterest income | $301,000 | 7,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,788 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,294,000 | 8,531 |
| Salaries and employee benefits | $627,000 | 8,587 |
| Premises and equipment expense | $130,000 | 9,470 |
| Additional noninterest expense | $537,000 | 7,891 |
| Pre-tax net operating income | $636,000 | 7,714 |
| Securities gains (losses) | $39,000 | 3,767 |
| Applicable income taxes | $232,000 | 7,070 |
| Income before extraordinary items | $443,000 | 8,030 |
| Extraordinary gains, net | $14,000 | 2,843 |
| Net income | $457,000 | 8,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 6,048 |
| Cash dividends | $153,000 | 6,036 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $417,260 | 7,995 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,532,000 | 9,853 |
| Total interest expense | $1,103,000 | 9,970 |
| Net interest income | $1,429,000 | 9,516 |
| Provision for loan and lease losses | $143,000 | 6,243 |
| Total noninterest income | $238,000 | 8,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $188,000 | 6,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $50,000 | 10,399 |
| Total noninterest expense | $1,072,000 | 9,654 |
| Salaries and employee benefits | $515,000 | 9,627 |
| Premises and equipment expense | $121,000 | 9,986 |
| Additional noninterest expense | $436,000 | 9,132 |
| Pre-tax net operating income | $452,000 | 8,785 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $157,000 | 8,451 |
| Income before extraordinary items | $319,000 | 9,058 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $319,000 | 9,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $302,920 | 8,908 |
* 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.