Home > Covenant Bank > Income and Expense
Covenant Bank, Income and Expense
| 2015-12-31 (YTD Data) | Rank | |
| Total interest income | $9,201,000 | 2,548 |
| Total interest expense | $765,000 | 2,904 |
| Net interest income | $8,436,000 | 2,468 |
| Provision for loan and lease losses | $830,000 | 947 |
| Total noninterest income | $2,270,000 | 1,949 |
| Gross Fiduciary activities income | $0 | 1,209 |
| Service charges on deposit accounts | $1,568,000 | 820 |
| Trading account gains and fees | $0 | 159 |
| Additional Noninterest Income | $702,000 | 2,834 |
| Total noninterest expense | $9,245,000 | 2,045 |
| Salaries and employee benefits | $5,313,000 | 1,955 |
| Premises and equipment expense | $1,365,000 | 1,672 |
| Additional noninterest expense | $2,567,000 | 2,284 |
| Pre-tax net operating income | $631,000 | 4,691 |
| Securities gains (losses) | $0 | 3,216 |
| Applicable income taxes | $-5,000 | 5,859 |
| Income before extraordinary items | $636,000 | 4,531 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $636,000 | 4,532 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $636,000 | 4,532 |
| Net charge-offs | $1,139,000 | 618 |
| Cash dividends | $607,000 | 2,711 |
| Sale, conversion, retirement of capital stock, net | $0 | 804 |
| Net operating income | $636,000 | 4,486 |
| 2015-09-30 (YTD Data) | Rank | |
| Total interest income | $6,910,000 | 2,561 |
| Total interest expense | $589,000 | 2,899 |
| Net interest income | $6,321,000 | 2,482 |
| Provision for loan and lease losses | $880,000 | 673 |
| Total noninterest income | $1,725,000 | 1,945 |
| Gross Fiduciary activities income | $0 | 1,169 |
| Service charges on deposit accounts | $1,155,000 | 843 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $570,000 | 2,738 |
| Total noninterest expense | $6,687,000 | 2,105 |
| Salaries and employee benefits | $4,079,000 | 1,916 |
| Premises and equipment expense | $1,026,000 | 1,684 |
| Additional noninterest expense | $1,582,000 | 2,677 |
| Pre-tax net operating income | $479,000 | 4,785 |
| Securities gains (losses) | $0 | 3,031 |
| Applicable income taxes | $-5,000 | 6,041 |
| Income before extraordinary items | $484,000 | 4,612 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $484,000 | 4,614 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $484,000 | 4,615 |
| Net charge-offs | $469,000 | 905 |
| Cash dividends | $270,000 | 2,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 773 |
| Net operating income | $484,000 | 4,553 |
| 2015-06-30 (YTD Data) | Rank | |
| Total interest income | $4,571,000 | 2,570 |
| Total interest expense | $403,000 | 2,860 |
| Net interest income | $4,168,000 | 2,510 |
| Provision for loan and lease losses | $751,000 | 536 |
| Total noninterest income | $1,077,000 | 2,040 |
| Gross Fiduciary activities income | $0 | 1,152 |
| Service charges on deposit accounts | $735,000 | 863 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $342,000 | 2,878 |
| Total noninterest expense | $4,466,000 | 2,115 |
| Salaries and employee benefits | $2,772,000 | 1,899 |
| Premises and equipment expense | $683,000 | 1,701 |
| Additional noninterest expense | $1,011,000 | 2,777 |
| Pre-tax net operating income | $28,000 | 5,894 |
| Securities gains (losses) | $0 | 2,636 |
| Applicable income taxes | $-114,000 | 6,265 |
| Income before extraordinary items | $142,000 | 5,410 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $142,000 | 5,409 |
| Minority interest net income | $0 | 75 |
| Net income of bank and minority interests. | $142,000 | 5,412 |
| Net charge-offs | $467,000 | 671 |
| Cash dividends | $110,000 | 3,175 |
| Sale, conversion, retirement of capital stock, net | $0 | 751 |
| Net operating income | $142,000 | 5,362 |
| 2015-03-31 (YTD Data) | Rank | |
| Total interest income | $2,287,000 | 2,569 |
| Total interest expense | $206,000 | 2,835 |
| Net interest income | $2,081,000 | 2,509 |
| Provision for loan and lease losses | $127,000 | 1,237 |
| Total noninterest income | $535,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,118 |
| Service charges on deposit accounts | $355,000 | 866 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $180,000 | 2,768 |
| Total noninterest expense | $2,309,000 | 2,046 |
| Salaries and employee benefits | $1,430,000 | 1,848 |
| Premises and equipment expense | $352,000 | 1,678 |
| Additional noninterest expense | $527,000 | 2,680 |
| Pre-tax net operating income | $180,000 | 4,592 |
| Securities gains (losses) | $0 | 2,027 |
| Applicable income taxes | $3,000 | 4,151 |
| Income before extraordinary items | $177,000 | 4,466 |
| Extraordinary gains, net | $0 | 13 |
| Net income | $177,000 | 4,468 |
| Minority interest net income | $0 | 64 |
| Net income of bank and minority interests. | $177,000 | 4,470 |
| Net charge-offs | $152,000 | 861 |
| Cash dividends | $0 | 2,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 697 |
| Net operating income | $177,000 | 4,385 |
| 2014-12-31 (YTD Data) | Rank | |
| Total interest income | $9,535,000 | 2,505 |
| Total interest expense | $911,000 | 2,761 |
| Net interest income | $8,624,000 | 2,457 |
| Provision for loan and lease losses | $1,979,000 | 469 |
| Total noninterest income | $2,314,000 | 1,911 |
| Gross Fiduciary activities income | $0 | 1,256 |
| Service charges on deposit accounts | $1,567,000 | 849 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $747,000 | 2,729 |
| Total noninterest expense | $8,505,000 | 2,206 |
| Salaries and employee benefits | $5,123,000 | 1,997 |
| Premises and equipment expense | $1,306,000 | 1,774 |
| Additional noninterest expense | $2,076,000 | 2,799 |
| Pre-tax net operating income | $454,000 | 5,139 |
| Securities gains (losses) | $0 | 3,259 |
| Applicable income taxes | $-97,000 | 6,265 |
| Income before extraordinary items | $551,000 | 4,798 |
| Extraordinary gains, net | $0 | 17 |
| Net income | $551,000 | 4,797 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $551,000 | 4,798 |
| Net charge-offs | $2,058,000 | 501 |
| Cash dividends | $204,000 | 3,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $551,000 | 4,750 |
| 2014-09-30 (YTD Data) | Rank | |
| Total interest income | $7,161,000 | 2,526 |
| Total interest expense | $690,000 | 2,788 |
| Net interest income | $6,471,000 | 2,464 |
| Provision for loan and lease losses | $634,000 | 955 |
| Total noninterest income | $1,719,000 | 1,935 |
| Gross Fiduciary activities income | $0 | 1,202 |
| Service charges on deposit accounts | $1,168,000 | 862 |
| Trading account gains and fees | $0 | 174 |
| Additional Noninterest Income | $551,000 | 2,768 |
| Total noninterest expense | $6,378,000 | 2,211 |
| Salaries and employee benefits | $3,872,000 | 1,989 |
| Premises and equipment expense | $988,000 | 1,781 |
| Additional noninterest expense | $1,518,000 | 2,851 |
| Pre-tax net operating income | $1,178,000 | 3,469 |
| Securities gains (losses) | $0 | 2,980 |
| Applicable income taxes | $236,000 | 2,672 |
| Income before extraordinary items | $942,000 | 3,604 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $942,000 | 3,605 |
| Minority interest net income | $0 | 81 |
| Net income of bank and minority interests. | $942,000 | 3,606 |
| Net charge-offs | $759,000 | 842 |
| Cash dividends | $104,000 | 3,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 819 |
| Net operating income | $942,000 | 3,562 |
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,768,000 | 2,517 |
| Total interest expense | $462,000 | 2,797 |
| Net interest income | $4,306,000 | 2,473 |
| Provision for loan and lease losses | $544,000 | 782 |
| Total noninterest income | $1,089,000 | 1,980 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $740,000 | 893 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $349,000 | 2,836 |
| Total noninterest expense | $4,246,000 | 2,216 |
| Salaries and employee benefits | $2,584,000 | 1,994 |
| Premises and equipment expense | $653,000 | 1,812 |
| Additional noninterest expense | $1,009,000 | 2,859 |
| Pre-tax net operating income | $605,000 | 3,851 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $89,000 | 3,101 |
| Income before extraordinary items | $516,000 | 3,895 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $516,000 | 3,901 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $516,000 | 3,901 |
| Net charge-offs | $813,000 | 594 |
| Cash dividends | $104,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $516,000 | 3,843 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,359,000 | 2,545 |
| Total interest expense | $230,000 | 2,849 |
| Net interest income | $2,129,000 | 2,482 |
| Provision for loan and lease losses | $236,000 | 881 |
| Total noninterest income | $522,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $361,000 | 902 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $161,000 | 2,866 |
| Total noninterest expense | $2,074,000 | 2,262 |
| Salaries and employee benefits | $1,277,000 | 2,030 |
| Premises and equipment expense | $307,000 | 1,939 |
| Additional noninterest expense | $490,000 | 2,928 |
| Pre-tax net operating income | $341,000 | 3,591 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $59,000 | 2,836 |
| Income before extraordinary items | $282,000 | 3,648 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $282,000 | 3,650 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $282,000 | 3,651 |
| Net charge-offs | $416,000 | 570 |
| Cash dividends | $104,000 | 2,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $282,000 | 3,598 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,553,000 | 2,523 |
| Total interest expense | $1,108,000 | 2,727 |
| Net interest income | $8,445,000 | 2,476 |
| Provision for loan and lease losses | $276,000 | 2,556 |
| Total noninterest income | $1,864,000 | 2,261 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $1,579,000 | 883 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $285,000 | 4,158 |
| Total noninterest expense | $8,532,000 | 2,209 |
| Salaries and employee benefits | $5,128,000 | 1,996 |
| Premises and equipment expense | $1,310,000 | 1,783 |
| Additional noninterest expense | $2,094,000 | 2,872 |
| Pre-tax net operating income | $1,501,000 | 3,403 |
| Securities gains (losses) | $-10,000 | 6,258 |
| Applicable income taxes | $-400,000 | 6,618 |
| Income before extraordinary items | $1,891,000 | 2,718 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,891,000 | 2,721 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,891,000 | 2,721 |
| Net charge-offs | $111,000 | 3,639 |
| Cash dividends | $1,618,000 | 1,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,901,000 | 2,642 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,143,000 | 2,554 |
| Total interest expense | $859,000 | 2,746 |
| Net interest income | $6,284,000 | 2,502 |
| Provision for loan and lease losses | $79,000 | 3,615 |
| Total noninterest income | $1,451,000 | 2,259 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $1,159,000 | 897 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $292,000 | 3,776 |
| Total noninterest expense | $6,413,000 | 2,211 |
| Salaries and employee benefits | $3,626,000 | 2,114 |
| Premises and equipment expense | $1,037,000 | 1,711 |
| Additional noninterest expense | $1,750,000 | 2,621 |
| Pre-tax net operating income | $1,243,000 | 3,295 |
| Securities gains (losses) | $-9,000 | 6,495 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $1,234,000 | 3,021 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,234,000 | 3,025 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,234,000 | 3,025 |
| Net charge-offs | $27,000 | 4,250 |
| Cash dividends | $314,000 | 2,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,243,000 | 2,940 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,734,000 | 2,570 |
| Total interest expense | $593,000 | 2,725 |
| Net interest income | $4,141,000 | 2,528 |
| Provision for loan and lease losses | $182,000 | 2,219 |
| Total noninterest income | $974,000 | 2,257 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $731,000 | 922 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $243,000 | 3,499 |
| Total noninterest expense | $4,281,000 | 2,201 |
| Salaries and employee benefits | $2,378,000 | 2,152 |
| Premises and equipment expense | $668,000 | 1,756 |
| Additional noninterest expense | $1,235,000 | 2,469 |
| Pre-tax net operating income | $652,000 | 3,684 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $652,000 | 3,450 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $652,000 | 3,451 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $652,000 | 3,453 |
| Net charge-offs | $39,000 | 3,556 |
| Cash dividends | $209,000 | 2,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $652,000 | 3,358 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 2,589 |
| Total interest expense | $306,000 | 2,737 |
| Net interest income | $2,049,000 | 2,564 |
| Provision for loan and lease losses | $141,000 | 1,773 |
| Total noninterest income | $455,000 | 2,364 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $366,000 | 909 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $89,000 | 3,936 |
| Total noninterest expense | $2,102,000 | 2,263 |
| Salaries and employee benefits | $1,206,000 | 2,136 |
| Premises and equipment expense | $328,000 | 1,814 |
| Additional noninterest expense | $568,000 | 2,676 |
| Pre-tax net operating income | $261,000 | 4,051 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $261,000 | 3,815 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $261,000 | 3,814 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $261,000 | 3,817 |
| Net charge-offs | $12,000 | 3,363 |
| Cash dividends | $105,000 | 2,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $261,000 | 3,707 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,153,000 | 2,539 |
| Total interest expense | $1,645,000 | 2,534 |
| Net interest income | $8,508,000 | 2,519 |
| Provision for loan and lease losses | $677,000 | 2,306 |
| Total noninterest income | $2,173,000 | 2,068 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,701,000 | 828 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $472,000 | 3,416 |
| Total noninterest expense | $8,055,000 | 2,338 |
| Salaries and employee benefits | $4,679,000 | 2,132 |
| Premises and equipment expense | $1,272,000 | 1,850 |
| Additional noninterest expense | $2,104,000 | 2,979 |
| Pre-tax net operating income | $1,949,000 | 2,864 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,949,000 | 2,625 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,949,000 | 2,628 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,949,000 | 2,626 |
| Net charge-offs | $687,000 | 2,256 |
| Cash dividends | $144,000 | 3,829 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,949,000 | 2,514 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,726,000 | 2,544 |
| Total interest expense | $1,318,000 | 2,493 |
| Net interest income | $6,408,000 | 2,547 |
| Provision for loan and lease losses | $574,000 | 2,108 |
| Total noninterest income | $1,649,000 | 2,050 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,269,000 | 832 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $380,000 | 3,348 |
| Total noninterest expense | $5,742,000 | 2,468 |
| Salaries and employee benefits | $3,260,000 | 2,276 |
| Premises and equipment expense | $974,000 | 1,831 |
| Additional noninterest expense | $1,508,000 | 3,099 |
| Pre-tax net operating income | $1,741,000 | 2,611 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $1,741,000 | 2,368 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,741,000 | 2,369 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,741,000 | 2,369 |
| Net charge-offs | $317,000 | 2,747 |
| Cash dividends | $39,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,741,000 | 2,241 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,089,000 | 2,589 |
| Total interest expense | $963,000 | 2,364 |
| Net interest income | $4,126,000 | 2,636 |
| Provision for loan and lease losses | $388,000 | 2,121 |
| Total noninterest income | $1,110,000 | 2,010 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $817,000 | 857 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $293,000 | 3,100 |
| Total noninterest expense | $3,850,000 | 2,455 |
| Salaries and employee benefits | $2,165,000 | 2,290 |
| Premises and equipment expense | $648,000 | 1,831 |
| Additional noninterest expense | $1,037,000 | 3,034 |
| Pre-tax net operating income | $998,000 | 2,846 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $998,000 | 2,628 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $998,000 | 2,628 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $998,000 | 2,628 |
| Net charge-offs | $112,000 | 3,307 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $998,000 | 2,484 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,535,000 | 2,618 |
| Total interest expense | $518,000 | 2,300 |
| Net interest income | $2,017,000 | 2,705 |
| Provision for loan and lease losses | $202,000 | 1,986 |
| Total noninterest income | $577,000 | 1,955 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $396,000 | 875 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $181,000 | 2,790 |
| Total noninterest expense | $1,974,000 | 2,398 |
| Salaries and employee benefits | $1,090,000 | 2,283 |
| Premises and equipment expense | $337,000 | 1,756 |
| Additional noninterest expense | $547,000 | 2,875 |
| Pre-tax net operating income | $418,000 | 3,233 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $418,000 | 2,962 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $418,000 | 2,965 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $418,000 | 2,966 |
| Net charge-offs | $-5,000 | 6,379 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $418,000 | 2,815 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,570,000 | 2,640 |
| Total interest expense | $2,843,000 | 2,054 |
| Net interest income | $7,727,000 | 2,826 |
| Provision for loan and lease losses | $2,439,000 | 1,365 |
| Total noninterest income | $1,998,000 | 2,006 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,881,000 | 774 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $117,000 | 5,151 |
| Total noninterest expense | $8,965,000 | 2,125 |
| Salaries and employee benefits | $4,510,000 | 2,152 |
| Premises and equipment expense | $1,351,000 | 1,846 |
| Additional noninterest expense | $3,104,000 | 2,143 |
| Pre-tax net operating income | $-1,679,000 | 6,738 |
| Securities gains (losses) | $-1,569,000 | 7,307 |
| Applicable income taxes | $-345,000 | 7,002 |
| Income before extraordinary items | $-2,903,000 | 6,942 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,903,000 | 6,943 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-2,903,000 | 6,943 |
| Net charge-offs | $2,504,000 | 1,351 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,506,590 | 6,728 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,007,000 | 2,637 |
| Total interest expense | $2,223,000 | 2,060 |
| Net interest income | $5,784,000 | 2,838 |
| Provision for loan and lease losses | $1,641,000 | 1,427 |
| Total noninterest income | $1,629,000 | 1,887 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,406,000 | 777 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $223,000 | 3,939 |
| Total noninterest expense | $6,508,000 | 2,202 |
| Salaries and employee benefits | $3,489,000 | 2,080 |
| Premises and equipment expense | $1,028,000 | 1,833 |
| Additional noninterest expense | $1,991,000 | 2,475 |
| Pre-tax net operating income | $-736,000 | 6,704 |
| Securities gains (losses) | $-1,010,000 | 7,384 |
| Applicable income taxes | $-346,000 | 7,163 |
| Income before extraordinary items | $-1,400,000 | 6,960 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,400,000 | 6,961 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-1,400,000 | 6,961 |
| Net charge-offs | $1,685,000 | 1,374 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-592,000 | 6,688 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,397,000 | 2,624 |
| Total interest expense | $1,540,000 | 2,064 |
| Net interest income | $3,857,000 | 2,829 |
| Provision for loan and lease losses | $1,554,000 | 1,085 |
| Total noninterest income | $1,113,000 | 1,841 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $917,000 | 796 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $196,000 | 3,514 |
| Total noninterest expense | $4,409,000 | 2,190 |
| Salaries and employee benefits | $2,379,000 | 2,046 |
| Premises and equipment expense | $694,000 | 1,826 |
| Additional noninterest expense | $1,336,000 | 2,488 |
| Pre-tax net operating income | $-993,000 | 6,977 |
| Securities gains (losses) | $-764,000 | 7,462 |
| Applicable income taxes | $-346,000 | 7,287 |
| Income before extraordinary items | $-1,411,000 | 7,120 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,411,000 | 7,121 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-1,411,000 | 7,121 |
| Net charge-offs | $1,636,000 | 1,049 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-799,800 | 6,955 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,707,000 | 2,634 |
| Total interest expense | $783,000 | 2,102 |
| Net interest income | $1,924,000 | 2,820 |
| Provision for loan and lease losses | $265,000 | 2,114 |
| Total noninterest income | $492,000 | 2,007 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $450,000 | 797 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $42,000 | 4,925 |
| Total noninterest expense | $2,188,000 | 2,199 |
| Salaries and employee benefits | $1,171,000 | 2,096 |
| Premises and equipment expense | $340,000 | 1,894 |
| Additional noninterest expense | $677,000 | 2,452 |
| Pre-tax net operating income | $-37,000 | 6,523 |
| Securities gains (losses) | $-685,000 | 7,532 |
| Applicable income taxes | $-370,000 | 7,444 |
| Income before extraordinary items | $-352,000 | 7,039 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-352,000 | 7,039 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-352,000 | 7,039 |
| Net charge-offs | $49,000 | 3,367 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $86,400 | 5,142 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,399,000 | 2,635 |
| Total interest expense | $3,424,000 | 2,311 |
| Net interest income | $7,975,000 | 2,732 |
| Provision for loan and lease losses | $2,295,000 | 1,903 |
| Total noninterest income | $2,212,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $2,296,000 | 650 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-84,000 | 7,170 |
| Total noninterest expense | $8,417,000 | 2,298 |
| Salaries and employee benefits | $4,626,000 | 2,087 |
| Premises and equipment expense | $1,335,000 | 1,915 |
| Additional noninterest expense | $2,456,000 | 2,733 |
| Pre-tax net operating income | $-525,000 | 6,263 |
| Securities gains (losses) | $-297,000 | 7,358 |
| Applicable income taxes | $-600,000 | 7,208 |
| Income before extraordinary items | $-222,000 | 6,192 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-222,000 | 6,192 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-222,000 | 6,193 |
| Net charge-offs | $2,400,000 | 1,677 |
| Cash dividends | $154,000 | 3,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-31,920 | 5,899 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,599,000 | 2,672 |
| Total interest expense | $2,602,000 | 2,384 |
| Net interest income | $5,997,000 | 2,759 |
| Provision for loan and lease losses | $1,886,000 | 1,729 |
| Total noninterest income | $1,950,000 | 1,721 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,742,000 | 653 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $208,000 | 4,118 |
| Total noninterest expense | $6,447,000 | 2,251 |
| Salaries and employee benefits | $3,509,000 | 2,062 |
| Premises and equipment expense | $1,023,000 | 1,901 |
| Additional noninterest expense | $1,915,000 | 2,578 |
| Pre-tax net operating income | $-386,000 | 6,463 |
| Securities gains (losses) | $-98,000 | 7,398 |
| Applicable income taxes | $-404,000 | 7,325 |
| Income before extraordinary items | $-80,000 | 6,280 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-80,000 | 6,280 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-80,000 | 6,280 |
| Net charge-offs | $2,002,000 | 1,509 |
| Cash dividends | $154,000 | 2,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-17,280 | 6,045 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,746,000 | 2,695 |
| Total interest expense | $1,753,000 | 2,452 |
| Net interest income | $3,993,000 | 2,761 |
| Provision for loan and lease losses | $1,486,000 | 1,537 |
| Total noninterest income | $1,322,000 | 1,647 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,152,000 | 665 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $170,000 | 3,780 |
| Total noninterest expense | $4,457,000 | 2,176 |
| Salaries and employee benefits | $2,460,000 | 1,977 |
| Premises and equipment expense | $684,000 | 1,906 |
| Additional noninterest expense | $1,313,000 | 2,509 |
| Pre-tax net operating income | $-628,000 | 6,828 |
| Securities gains (losses) | $-87,000 | 7,495 |
| Applicable income taxes | $-418,000 | 7,452 |
| Income before extraordinary items | $-297,000 | 6,691 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-297,000 | 6,692 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-297,000 | 6,692 |
| Net charge-offs | $1,615,000 | 1,313 |
| Cash dividends | $154,000 | 2,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-241,320 | 6,567 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,971,000 | 2,664 |
| Total interest expense | $902,000 | 2,489 |
| Net interest income | $2,069,000 | 2,693 |
| Provision for loan and lease losses | $225,000 | 2,809 |
| Total noninterest income | $657,000 | 1,672 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $572,000 | 670 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $85,000 | 3,799 |
| Total noninterest expense | $2,227,000 | 2,198 |
| Salaries and employee benefits | $1,250,000 | 1,978 |
| Premises and equipment expense | $344,000 | 1,957 |
| Additional noninterest expense | $633,000 | 2,583 |
| Pre-tax net operating income | $274,000 | 3,522 |
| Securities gains (losses) | $-58,000 | 7,639 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $213,000 | 3,767 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $213,000 | 3,764 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $213,000 | 3,766 |
| Net charge-offs | $410,000 | 1,751 |
| Cash dividends | $86,000 | 2,001 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $270,420 | 3,223 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,648,000 | 2,838 |
| Total interest expense | $3,636,000 | 2,953 |
| Net interest income | $8,012,000 | 2,728 |
| Provision for loan and lease losses | $2,243,000 | 2,336 |
| Total noninterest income | $2,037,000 | 2,103 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,908,000 | 909 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $129,000 | 5,317 |
| Total noninterest expense | $8,857,000 | 2,238 |
| Salaries and employee benefits | $4,547,000 | 2,164 |
| Premises and equipment expense | $1,434,000 | 1,876 |
| Additional noninterest expense | $2,876,000 | 2,435 |
| Pre-tax net operating income | $-1,051,000 | 6,274 |
| Securities gains (losses) | $-705,000 | 7,640 |
| Applicable income taxes | $-953,000 | 7,263 |
| Income before extraordinary items | $-803,000 | 6,262 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-803,000 | 6,261 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-803,000 | 6,261 |
| Net charge-offs | $1,392,000 | 2,468 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-351,800 | 5,973 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,715,000 | 2,877 |
| Total interest expense | $2,693,000 | 3,109 |
| Net interest income | $6,022,000 | 2,718 |
| Provision for loan and lease losses | $908,000 | 2,923 |
| Total noninterest income | $1,606,000 | 2,062 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,350,000 | 960 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $256,000 | 3,865 |
| Total noninterest expense | $6,805,000 | 2,190 |
| Salaries and employee benefits | $3,525,000 | 2,106 |
| Premises and equipment expense | $1,083,000 | 1,877 |
| Additional noninterest expense | $2,197,000 | 2,372 |
| Pre-tax net operating income | $-85,000 | 5,853 |
| Securities gains (losses) | $-728,000 | 7,809 |
| Applicable income taxes | $-505,000 | 7,348 |
| Income before extraordinary items | $-308,000 | 6,247 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-308,000 | 6,249 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-308,000 | 6,247 |
| Net charge-offs | $641,000 | 2,726 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $157,920 | 4,998 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,646,000 | 2,981 |
| Total interest expense | $1,825,000 | 3,185 |
| Net interest income | $3,821,000 | 2,840 |
| Provision for loan and lease losses | $434,000 | 3,152 |
| Total noninterest income | $993,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $842,000 | 1,009 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $151,000 | 4,106 |
| Total noninterest expense | $4,682,000 | 2,154 |
| Salaries and employee benefits | $2,408,000 | 2,093 |
| Premises and equipment expense | $706,000 | 1,950 |
| Additional noninterest expense | $1,568,000 | 2,246 |
| Pre-tax net operating income | $-302,000 | 6,432 |
| Securities gains (losses) | $-671,000 | 7,956 |
| Applicable income taxes | $-498,000 | 7,579 |
| Income before extraordinary items | $-475,000 | 6,742 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-475,000 | 6,743 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-475,000 | 6,743 |
| Net charge-offs | $295,000 | 2,946 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-45,560 | 5,992 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,771,000 | 3,065 |
| Total interest expense | $929,000 | 3,256 |
| Net interest income | $1,842,000 | 2,921 |
| Provision for loan and lease losses | $258,000 | 2,524 |
| Total noninterest income | $461,000 | 2,260 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $376,000 | 1,109 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $85,000 | 3,906 |
| Total noninterest expense | $2,071,000 | 2,347 |
| Salaries and employee benefits | $1,154,000 | 2,209 |
| Premises and equipment expense | $350,000 | 2,002 |
| Additional noninterest expense | $567,000 | 2,689 |
| Pre-tax net operating income | $-26,000 | 6,402 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-78,000 | 7,506 |
| Income before extraordinary items | $52,000 | 5,648 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $52,000 | 5,651 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $52,000 | 5,651 |
| Net charge-offs | $188,000 | 2,192 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $52,000 | 5,481 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,230,000 | 2,783 |
| Total interest expense | $5,892,000 | 2,557 |
| Net interest income | $7,338,000 | 2,917 |
| Provision for loan and lease losses | $789,000 | 3,069 |
| Total noninterest income | $1,941,000 | 2,190 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,626,000 | 1,093 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $315,000 | 4,023 |
| Total noninterest expense | $7,889,000 | 2,404 |
| Salaries and employee benefits | $4,375,000 | 2,317 |
| Premises and equipment expense | $1,310,000 | 2,065 |
| Additional noninterest expense | $2,204,000 | 2,617 |
| Pre-tax net operating income | $601,000 | 4,613 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-50,000 | 6,956 |
| Income before extraordinary items | $651,000 | 4,043 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $651,000 | 4,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $753,000 | 2,272 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $651,000 | 4,202 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,139,000 | 2,785 |
| Total interest expense | $4,646,000 | 2,537 |
| Net interest income | $5,493,000 | 2,951 |
| Provision for loan and lease losses | $407,000 | 3,048 |
| Total noninterest income | $1,412,000 | 2,311 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,218,000 | 1,114 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $194,000 | 4,482 |
| Total noninterest expense | $5,936,000 | 2,392 |
| Salaries and employee benefits | $3,419,000 | 2,252 |
| Premises and equipment expense | $941,000 | 2,165 |
| Additional noninterest expense | $1,576,000 | 2,651 |
| Pre-tax net operating income | $562,000 | 4,751 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $43,000 | 4,206 |
| Income before extraordinary items | $519,000 | 4,371 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $519,000 | 4,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 3,069 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $519,000 | 4,515 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,943,000 | 2,746 |
| Total interest expense | $3,240,000 | 2,526 |
| Net interest income | $3,703,000 | 2,913 |
| Provision for loan and lease losses | $1,381,000 | 1,005 |
| Total noninterest income | $905,000 | 2,406 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $775,000 | 1,148 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $130,000 | 4,555 |
| Total noninterest expense | $3,939,000 | 2,403 |
| Salaries and employee benefits | $2,272,000 | 2,286 |
| Premises and equipment expense | $608,000 | 2,227 |
| Additional noninterest expense | $1,059,000 | 2,610 |
| Pre-tax net operating income | $-712,000 | 7,748 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-367,000 | 8,112 |
| Income before extraordinary items | $-345,000 | 7,568 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-345,000 | 7,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,468 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-345,000 | 7,549 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,590,000 | 2,723 |
| Total interest expense | $1,754,000 | 2,499 |
| Net interest income | $1,836,000 | 2,917 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $480,000 | 2,301 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $376,000 | 1,170 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $104,000 | 3,698 |
| Total noninterest expense | $1,977,000 | 2,393 |
| Salaries and employee benefits | $1,142,000 | 2,304 |
| Premises and equipment expense | $315,000 | 2,164 |
| Additional noninterest expense | $520,000 | 2,626 |
| Pre-tax net operating income | $279,000 | 4,314 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $53,000 | 3,501 |
| Income before extraordinary items | $226,000 | 4,418 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $226,000 | 4,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $226,000 | 4,316 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $14,447,000 | 2,789 |
| Total interest expense | $6,985,000 | 2,635 |
| Net interest income | $7,462,000 | 2,931 |
| Provision for loan and lease losses | $117,000 | 4,711 |
| Total noninterest income | $1,810,000 | 2,371 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,531,000 | 1,163 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $279,000 | 4,379 |
| Total noninterest expense | $6,716,000 | 2,694 |
| Salaries and employee benefits | $3,842,000 | 2,580 |
| Premises and equipment expense | $1,088,000 | 2,388 |
| Additional noninterest expense | $1,786,000 | 2,950 |
| Pre-tax net operating income | $2,439,000 | 2,883 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $753,000 | 2,208 |
| Income before extraordinary items | $1,686,000 | 3,183 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,686,000 | 3,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 2,412 |
| Cash dividends | $207,000 | 4,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,686,000 | 3,171 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,670,000 | 2,823 |
| Total interest expense | $5,143,000 | 2,678 |
| Net interest income | $5,527,000 | 2,961 |
| Provision for loan and lease losses | $61,000 | 4,820 |
| Total noninterest income | $1,298,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,102,000 | 1,195 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $196,000 | 4,520 |
| Total noninterest expense | $4,811,000 | 2,756 |
| Salaries and employee benefits | $2,736,000 | 2,692 |
| Premises and equipment expense | $798,000 | 2,416 |
| Additional noninterest expense | $1,277,000 | 3,020 |
| Pre-tax net operating income | $1,953,000 | 2,894 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $618,000 | 2,244 |
| Income before extraordinary items | $1,335,000 | 3,224 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,335,000 | 3,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,886 |
| Cash dividends | $101,000 | 4,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,335,000 | 3,209 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,050,000 | 2,859 |
| Total interest expense | $3,365,000 | 2,712 |
| Net interest income | $3,685,000 | 2,982 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $850,000 | 2,483 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $723,000 | 1,224 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $127,000 | 4,637 |
| Total noninterest expense | $3,183,000 | 2,811 |
| Salaries and employee benefits | $1,816,000 | 2,736 |
| Premises and equipment expense | $530,000 | 2,438 |
| Additional noninterest expense | $837,000 | 3,078 |
| Pre-tax net operating income | $1,352,000 | 2,872 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $439,000 | 2,247 |
| Income before extraordinary items | $913,000 | 3,211 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $913,000 | 3,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,733 |
| Cash dividends | $101,000 | 4,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $913,000 | 3,197 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,446,000 | 2,900 |
| Total interest expense | $1,604,000 | 2,817 |
| Net interest income | $1,842,000 | 2,976 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $410,000 | 2,518 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $350,000 | 1,235 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $60,000 | 4,749 |
| Total noninterest expense | $1,558,000 | 2,885 |
| Salaries and employee benefits | $902,000 | 2,785 |
| Premises and equipment expense | $265,000 | 2,455 |
| Additional noninterest expense | $391,000 | 3,229 |
| Pre-tax net operating income | $634,000 | 2,999 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $205,000 | 2,368 |
| Income before extraordinary items | $429,000 | 3,339 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $429,000 | 3,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 717 |
| Cash dividends | $101,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $429,000 | 3,317 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,241,000 | 3,034 |
| Total interest expense | $5,327,000 | 2,863 |
| Net interest income | $6,914,000 | 3,136 |
| Provision for loan and lease losses | $489,000 | 1,944 |
| Total noninterest income | $1,635,000 | 2,552 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,383,000 | 1,287 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $252,000 | 4,633 |
| Total noninterest expense | $5,699,000 | 2,998 |
| Salaries and employee benefits | $3,315,000 | 2,865 |
| Premises and equipment expense | $909,000 | 2,694 |
| Additional noninterest expense | $1,475,000 | 3,327 |
| Pre-tax net operating income | $2,361,000 | 3,267 |
| Securities gains (losses) | $29,000 | 809 |
| Applicable income taxes | $811,000 | 2,459 |
| Income before extraordinary items | $1,579,000 | 3,660 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,579,000 | 3,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 1,922 |
| Cash dividends | $395,000 | 4,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,559,860 | 3,669 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,792,000 | 3,127 |
| Total interest expense | $3,756,000 | 2,942 |
| Net interest income | $5,036,000 | 3,249 |
| Provision for loan and lease losses | $367,000 | 1,824 |
| Total noninterest income | $1,206,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,015,000 | 1,321 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $191,000 | 4,625 |
| Total noninterest expense | $4,072,000 | 3,122 |
| Salaries and employee benefits | $2,355,000 | 2,996 |
| Premises and equipment expense | $656,000 | 2,788 |
| Additional noninterest expense | $1,061,000 | 3,444 |
| Pre-tax net operating income | $1,803,000 | 3,336 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $614,000 | 2,564 |
| Income before extraordinary items | $1,193,000 | 3,761 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,193,000 | 3,763 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 2,034 |
| Cash dividends | $292,000 | 3,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,190,360 | 3,746 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,583,000 | 3,222 |
| Total interest expense | $2,323,000 | 3,017 |
| Net interest income | $3,260,000 | 3,333 |
| Provision for loan and lease losses | $204,000 | 2,082 |
| Total noninterest income | $735,000 | 2,748 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $636,000 | 1,393 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,149 |
| Total noninterest expense | $2,694,000 | 3,142 |
| Salaries and employee benefits | $1,563,000 | 3,026 |
| Premises and equipment expense | $424,000 | 2,852 |
| Additional noninterest expense | $707,000 | 3,440 |
| Pre-tax net operating income | $1,097,000 | 3,568 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $368,000 | 2,746 |
| Income before extraordinary items | $729,000 | 3,968 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $729,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,846 |
| Cash dividends | $188,000 | 3,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $729,000 | 3,954 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 3,285 |
| Total interest expense | $1,065,000 | 3,099 |
| Net interest income | $1,589,000 | 3,378 |
| Provision for loan and lease losses | $102,000 | 1,973 |
| Total noninterest income | $337,000 | 2,855 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $287,000 | 1,484 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $50,000 | 5,119 |
| Total noninterest expense | $1,328,000 | 3,198 |
| Salaries and employee benefits | $776,000 | 3,054 |
| Premises and equipment expense | $208,000 | 2,926 |
| Additional noninterest expense | $344,000 | 3,491 |
| Pre-tax net operating income | $496,000 | 3,752 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $164,000 | 2,899 |
| Income before extraordinary items | $332,000 | 4,153 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $332,000 | 4,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $90,000 | 3,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $332,000 | 4,132 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,059,000 | 3,407 |
| Total interest expense | $3,159,000 | 3,186 |
| Net interest income | $5,900,000 | 3,470 |
| Provision for loan and lease losses | $377,000 | 2,376 |
| Total noninterest income | $1,416,000 | 2,797 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,192,000 | 1,471 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $224,000 | 4,951 |
| Total noninterest expense | $5,245,000 | 3,110 |
| Salaries and employee benefits | $2,914,000 | 3,045 |
| Premises and equipment expense | $980,000 | 2,412 |
| Additional noninterest expense | $1,351,000 | 3,510 |
| Pre-tax net operating income | $1,694,000 | 4,099 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $564,000 | 3,171 |
| Income before extraordinary items | $1,130,000 | 4,499 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,130,000 | 4,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,379 |
| Cash dividends | $311,000 | 4,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,130,000 | 4,449 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,479,000 | 3,481 |
| Total interest expense | $2,199,000 | 3,247 |
| Net interest income | $4,280,000 | 3,561 |
| Provision for loan and lease losses | $287,000 | 2,270 |
| Total noninterest income | $1,052,000 | 2,800 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $872,000 | 1,489 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $180,000 | 4,831 |
| Total noninterest expense | $3,826,000 | 3,156 |
| Salaries and employee benefits | $2,163,000 | 3,043 |
| Premises and equipment expense | $745,000 | 2,360 |
| Additional noninterest expense | $918,000 | 3,742 |
| Pre-tax net operating income | $1,219,000 | 4,274 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $422,000 | 3,246 |
| Income before extraordinary items | $797,000 | 4,766 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $797,000 | 4,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,846 |
| Cash dividends | $227,000 | 3,893 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $797,000 | 4,735 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 3,518 |
| Total interest expense | $1,347,000 | 3,321 |
| Net interest income | $2,799,000 | 3,602 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $703,000 | 2,760 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $570,000 | 1,483 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $133,000 | 4,579 |
| Total noninterest expense | $2,503,000 | 3,190 |
| Salaries and employee benefits | $1,426,000 | 3,059 |
| Premises and equipment expense | $474,000 | 2,444 |
| Additional noninterest expense | $603,000 | 3,790 |
| Pre-tax net operating income | $819,000 | 4,244 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $284,000 | 3,200 |
| Income before extraordinary items | $535,000 | 4,714 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $535,000 | 4,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 1,912 |
| Cash dividends | $149,000 | 3,884 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $535,000 | 4,665 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,002,000 | 3,590 |
| Total interest expense | $619,000 | 3,429 |
| Net interest income | $1,383,000 | 3,646 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $346,000 | 2,743 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $264,000 | 1,537 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $82,000 | 4,143 |
| Total noninterest expense | $1,259,000 | 3,180 |
| Salaries and employee benefits | $701,000 | 3,113 |
| Premises and equipment expense | $238,000 | 2,463 |
| Additional noninterest expense | $320,000 | 3,613 |
| Pre-tax net operating income | $380,000 | 4,401 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $130,000 | 3,352 |
| Income before extraordinary items | $250,000 | 4,868 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $250,000 | 4,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 1,689 |
| Cash dividends | $73,000 | 3,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $250,000 | 4,827 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,048,000 | 3,784 |
| Total interest expense | $2,009,000 | 3,638 |
| Net interest income | $5,039,000 | 3,785 |
| Provision for loan and lease losses | $465,000 | 2,077 |
| Total noninterest income | $1,248,000 | 3,038 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,096,000 | 1,599 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $152,000 | 5,659 |
| Total noninterest expense | $4,400,000 | 3,480 |
| Salaries and employee benefits | $2,457,000 | 3,394 |
| Premises and equipment expense | $818,000 | 2,732 |
| Additional noninterest expense | $1,125,000 | 3,949 |
| Pre-tax net operating income | $1,422,000 | 4,390 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $160,000 | 5,024 |
| Income before extraordinary items | $1,262,000 | 4,070 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,262,000 | 4,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $345,000 | 1,789 |
| Cash dividends | $87,000 | 5,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,262,000 | 4,010 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,117,000 | 3,865 |
| Total interest expense | $1,435,000 | 3,740 |
| Net interest income | $3,682,000 | 3,845 |
| Provision for loan and lease losses | $333,000 | 2,079 |
| Total noninterest income | $918,000 | 3,111 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $826,000 | 1,595 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $92,000 | 6,087 |
| Total noninterest expense | $3,164,000 | 3,550 |
| Salaries and employee benefits | $1,799,000 | 3,432 |
| Premises and equipment expense | $594,000 | 2,809 |
| Additional noninterest expense | $771,000 | 4,195 |
| Pre-tax net operating income | $1,103,000 | 4,366 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $47,000 | 6,002 |
| Income before extraordinary items | $1,056,000 | 3,882 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,056,000 | 3,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,001 |
| Cash dividends | $22,000 | 5,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,056,000 | 3,803 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,296,000 | 3,967 |
| Total interest expense | $914,000 | 3,877 |
| Net interest income | $2,382,000 | 3,920 |
| Provision for loan and lease losses | $222,000 | 2,025 |
| Total noninterest income | $604,000 | 3,150 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $555,000 | 1,577 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 6,460 |
| Total noninterest expense | $2,114,000 | 3,581 |
| Salaries and employee benefits | $1,199,000 | 3,450 |
| Premises and equipment expense | $394,000 | 2,823 |
| Additional noninterest expense | $521,000 | 4,180 |
| Pre-tax net operating income | $650,000 | 4,634 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $650,000 | 4,022 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $650,000 | 4,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 1,788 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $650,000 | 3,942 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,613,000 | 4,040 |
| Total interest expense | $447,000 | 3,993 |
| Net interest income | $1,166,000 | 3,986 |
| Provision for loan and lease losses | $111,000 | 1,949 |
| Total noninterest income | $315,000 | 3,003 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $269,000 | 1,591 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $46,000 | 5,276 |
| Total noninterest expense | $1,065,000 | 3,585 |
| Salaries and employee benefits | $606,000 | 3,428 |
| Premises and equipment expense | $202,000 | 2,787 |
| Additional noninterest expense | $257,000 | 4,226 |
| Pre-tax net operating income | $305,000 | 4,777 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $305,000 | 4,228 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $305,000 | 4,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,713 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $305,000 | 4,102 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,793,000 | 4,402 |
| Total interest expense | $1,766,000 | 4,401 |
| Net interest income | $4,027,000 | 4,343 |
| Provision for loan and lease losses | $567,000 | 1,969 |
| Total noninterest income | $1,189,000 | 3,324 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,000,000 | 1,721 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $189,000 | 5,397 |
| Total noninterest expense | $3,761,000 | 3,878 |
| Salaries and employee benefits | $2,133,000 | 3,722 |
| Premises and equipment expense | $718,000 | 3,021 |
| Additional noninterest expense | $910,000 | 4,587 |
| Pre-tax net operating income | $888,000 | 5,452 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $888,000 | 4,971 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $888,000 | 4,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 2,197 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $888,000 | 4,803 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,246,000 | 4,532 |
| Total interest expense | $1,328,000 | 4,521 |
| Net interest income | $2,918,000 | 4,469 |
| Provision for loan and lease losses | $363,000 | 2,179 |
| Total noninterest income | $865,000 | 3,457 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $720,000 | 1,797 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $145,000 | 5,406 |
| Total noninterest expense | $2,741,000 | 3,952 |
| Salaries and employee benefits | $1,564,000 | 3,783 |
| Premises and equipment expense | $542,000 | 3,014 |
| Additional noninterest expense | $635,000 | 4,812 |
| Pre-tax net operating income | $679,000 | 5,586 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $679,000 | 5,066 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $679,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,669 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $679,000 | 4,886 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,726,000 | 4,696 |
| Total interest expense | $904,000 | 4,565 |
| Net interest income | $1,822,000 | 4,678 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $550,000 | 3,545 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $448,000 | 1,895 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $102,000 | 5,294 |
| Total noninterest expense | $1,801,000 | 4,000 |
| Salaries and employee benefits | $1,018,000 | 3,855 |
| Premises and equipment expense | $357,000 | 3,030 |
| Additional noninterest expense | $426,000 | 4,785 |
| Pre-tax net operating income | $301,000 | 6,489 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $301,000 | 6,088 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $301,000 | 6,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,967 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $301,000 | 5,887 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,345,000 | 4,763 |
| Total interest expense | $452,000 | 4,657 |
| Net interest income | $893,000 | 4,732 |
| Provision for loan and lease losses | $135,000 | 1,910 |
| Total noninterest income | $266,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $199,000 | 2,027 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $67,000 | 4,710 |
| Total noninterest expense | $893,000 | 4,013 |
| Salaries and employee benefits | $509,000 | 3,845 |
| Premises and equipment expense | $173,000 | 3,114 |
| Additional noninterest expense | $211,000 | 4,775 |
| Pre-tax net operating income | $131,000 | 6,743 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $131,000 | 6,347 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 2,925 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $131,000 | 6,170 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,353,000 | 4,933 |
| Total interest expense | $1,910,000 | 4,956 |
| Net interest income | $3,443,000 | 4,806 |
| Provision for loan and lease losses | $292,000 | 3,522 |
| Total noninterest income | $803,000 | 3,986 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $723,000 | 2,192 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $80,000 | 6,874 |
| Total noninterest expense | $3,338,000 | 4,115 |
| Salaries and employee benefits | $1,880,000 | 3,953 |
| Premises and equipment expense | $677,000 | 3,086 |
| Additional noninterest expense | $781,000 | 5,018 |
| Pre-tax net operating income | $616,000 | 6,368 |
| Securities gains (losses) | $-15,000 | 8,954 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $601,000 | 5,957 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $601,000 | 5,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,280 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $616,000 | 5,764 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $4,059,000 | 6,305 |
| Total interest expense | $2,120,000 | 5,922 |
| Net interest income | $1,939,000 | 6,524 |
| Provision for loan and lease losses | $618,000 | 1,856 |
| Total noninterest income | $395,000 | 5,715 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $325,000 | 3,958 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $70,000 | 7,115 |
| Total noninterest expense | $2,858,000 | 4,505 |
| Salaries and employee benefits | $1,654,000 | 4,198 |
| Premises and equipment expense | $626,000 | 3,259 |
| Additional noninterest expense | $578,000 | 5,982 |
| Pre-tax net operating income | $-1,142,000 | 9,394 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $-1,142,000 | 9,448 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-1,142,000 | 9,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,011 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-1,142,000 | 9,415 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $397,000 | 9,753 |
| Total interest expense | $185,000 | 9,674 |
| Net interest income | $212,000 | 9,760 |
| Provision for loan and lease losses | $148,000 | 4,450 |
| Total noninterest income | $9,000 | 9,750 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $6,000 | 8,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $3,000 | 9,721 |
| Total noninterest expense | $1,298,000 | 7,251 |
| Salaries and employee benefits | $835,000 | 6,570 |
| Premises and equipment expense | $69,000 | 9,003 |
| Additional noninterest expense | $394,000 | 7,195 |
| Pre-tax net operating income | $-1,225,000 | 9,758 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $-1,225,000 | 9,768 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,225,000 | 9,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $11,250,000 | 52 |
| Net operating income | $-1,225,000 | 9,772 |
* 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.