Home > First Bank of Wyoming > Income and Expense
First Bank of Wyoming, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,973,000 | 2,274 |
| Total interest expense | $453,000 | 2,595 |
| Net interest income | $2,520,000 | 2,181 |
| Provision for loan and lease losses | $25,000 | 4,328 |
| Total noninterest income | $657,000 | 1,792 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $119,000 | 2,560 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $538,000 | 1,437 |
| Total noninterest expense | $2,087,000 | 2,286 |
| Salaries and employee benefits | $974,000 | 2,538 |
| Premises and equipment expense | $210,000 | 2,707 |
| Additional noninterest expense | $903,000 | 1,834 |
| Pre-tax net operating income | $1,065,000 | 1,589 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $195,000 | 1,757 |
| Income before extraordinary items | $870,000 | 1,671 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $870,000 | 1,671 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $870,000 | 1,672 |
| Net charge-offs | $-19,000 | 6,864 |
| Cash dividends | $625,000 | 724 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $870,000 | 1,569 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,748,000 | 2,196 |
| Total interest expense | $2,036,000 | 2,746 |
| Net interest income | $10,712,000 | 2,034 |
| Provision for loan and lease losses | $700,000 | 2,943 |
| Total noninterest income | $2,649,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $600,000 | 2,238 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,049,000 | 1,334 |
| Total noninterest expense | $8,485,000 | 2,241 |
| Salaries and employee benefits | $3,719,000 | 2,586 |
| Premises and equipment expense | $845,000 | 2,796 |
| Additional noninterest expense | $3,921,000 | 1,733 |
| Pre-tax net operating income | $4,176,000 | 1,379 |
| Securities gains (losses) | $-55,000 | 7,033 |
| Applicable income taxes | $770,000 | 1,596 |
| Income before extraordinary items | $3,351,000 | 1,456 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,351,000 | 1,456 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $3,351,000 | 1,456 |
| Net charge-offs | $1,047,000 | 2,306 |
| Cash dividends | $2,500,000 | 785 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $3,395,550 | 1,377 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,777,000 | 2,164 |
| Total interest expense | $1,543,000 | 2,815 |
| Net interest income | $8,234,000 | 2,001 |
| Provision for loan and lease losses | $500,000 | 2,879 |
| Total noninterest income | $1,787,000 | 1,756 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $455,000 | 2,231 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,332,000 | 1,454 |
| Total noninterest expense | $6,329,000 | 2,261 |
| Salaries and employee benefits | $2,752,000 | 2,618 |
| Premises and equipment expense | $612,000 | 2,888 |
| Additional noninterest expense | $2,965,000 | 1,718 |
| Pre-tax net operating income | $3,192,000 | 1,415 |
| Securities gains (losses) | $-55,000 | 7,164 |
| Applicable income taxes | $578,000 | 1,609 |
| Income before extraordinary items | $2,559,000 | 1,486 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,559,000 | 1,485 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,559,000 | 1,486 |
| Net charge-offs | $315,000 | 3,191 |
| Cash dividends | $2,000,000 | 634 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $2,604,100 | 1,390 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,168,000 | 2,308 |
| Total interest expense | $1,028,000 | 2,894 |
| Net interest income | $5,140,000 | 2,128 |
| Provision for loan and lease losses | $100,000 | 4,367 |
| Total noninterest income | $1,046,000 | 1,929 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $293,000 | 2,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $753,000 | 1,628 |
| Total noninterest expense | $4,190,000 | 2,293 |
| Salaries and employee benefits | $1,825,000 | 2,649 |
| Premises and equipment expense | $412,000 | 2,898 |
| Additional noninterest expense | $1,953,000 | 1,760 |
| Pre-tax net operating income | $1,896,000 | 1,526 |
| Securities gains (losses) | $-48,000 | 7,230 |
| Applicable income taxes | $406,000 | 1,506 |
| Income before extraordinary items | $1,442,000 | 1,677 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,442,000 | 1,677 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $1,442,000 | 1,677 |
| Net charge-offs | $218,000 | 3,020 |
| Cash dividends | $1,000,000 | 803 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $1,479,440 | 1,572 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,868,000 | 2,484 |
| Total interest expense | $510,000 | 2,989 |
| Net interest income | $2,358,000 | 2,313 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $470,000 | 2,092 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $137,000 | 2,357 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $333,000 | 1,782 |
| Total noninterest expense | $2,124,000 | 2,276 |
| Salaries and employee benefits | $914,000 | 2,657 |
| Premises and equipment expense | $202,000 | 2,961 |
| Additional noninterest expense | $1,008,000 | 1,703 |
| Pre-tax net operating income | $704,000 | 1,964 |
| Securities gains (losses) | $-48,000 | 7,331 |
| Applicable income taxes | $113,000 | 2,058 |
| Income before extraordinary items | $543,000 | 2,098 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $543,000 | 2,097 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $543,000 | 2,098 |
| Net charge-offs | $215,000 | 2,060 |
| Cash dividends | $500,000 | 725 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $582,840 | 1,911 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,385,000 | 2,433 |
| Total interest expense | $1,931,000 | 3,661 |
| Net interest income | $10,454,000 | 2,087 |
| Provision for loan and lease losses | $1,453,000 | 2,511 |
| Total noninterest income | $2,857,000 | 1,607 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $675,000 | 2,102 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,182,000 | 1,327 |
| Total noninterest expense | $9,297,000 | 2,075 |
| Salaries and employee benefits | $4,092,000 | 2,362 |
| Premises and equipment expense | $968,000 | 2,550 |
| Additional noninterest expense | $4,237,000 | 1,694 |
| Pre-tax net operating income | $2,561,000 | 1,850 |
| Securities gains (losses) | $44,000 | 2,743 |
| Applicable income taxes | $498,000 | 1,895 |
| Income before extraordinary items | $2,107,000 | 1,931 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,107,000 | 1,932 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,107,000 | 1,933 |
| Net charge-offs | $605,000 | 3,388 |
| Cash dividends | $1,500,000 | 1,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $2,071,360 | 1,892 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,586,000 | 2,408 |
| Total interest expense | $1,376,000 | 3,926 |
| Net interest income | $8,210,000 | 2,013 |
| Provision for loan and lease losses | $1,453,000 | 2,021 |
| Total noninterest income | $1,912,000 | 1,755 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $507,000 | 2,148 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,405,000 | 1,400 |
| Total noninterest expense | $6,865,000 | 2,112 |
| Salaries and employee benefits | $3,051,000 | 2,381 |
| Premises and equipment expense | $725,000 | 2,588 |
| Additional noninterest expense | $3,089,000 | 1,720 |
| Pre-tax net operating income | $1,804,000 | 2,063 |
| Securities gains (losses) | $44,000 | 2,501 |
| Applicable income taxes | $352,000 | 1,999 |
| Income before extraordinary items | $1,496,000 | 2,143 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,496,000 | 2,143 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,496,000 | 2,146 |
| Net charge-offs | $634,000 | 2,751 |
| Cash dividends | $500,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,460,360 | 2,098 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,517,000 | 2,386 |
| Total interest expense | $766,000 | 4,458 |
| Net interest income | $5,751,000 | 1,940 |
| Provision for loan and lease losses | $1,241,000 | 1,710 |
| Total noninterest income | $1,147,000 | 1,837 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $336,000 | 2,159 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $811,000 | 1,508 |
| Total noninterest expense | $4,668,000 | 2,079 |
| Salaries and employee benefits | $2,082,000 | 2,345 |
| Premises and equipment expense | $520,000 | 2,451 |
| Additional noninterest expense | $2,066,000 | 1,710 |
| Pre-tax net operating income | $989,000 | 2,393 |
| Securities gains (losses) | $44,000 | 1,966 |
| Applicable income taxes | $168,000 | 2,298 |
| Income before extraordinary items | $865,000 | 2,365 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $865,000 | 2,361 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $865,000 | 2,364 |
| Net charge-offs | $355,000 | 2,856 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $828,040 | 2,348 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,471,000 | 2,305 |
| Total interest expense | $413,000 | 4,389 |
| Net interest income | $3,058,000 | 1,855 |
| Provision for loan and lease losses | $770,000 | 1,371 |
| Total noninterest income | $577,000 | 1,825 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $19,000 | 5,978 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $558,000 | 1,186 |
| Total noninterest expense | $2,365,000 | 2,067 |
| Salaries and employee benefits | $1,090,000 | 2,264 |
| Premises and equipment expense | $218,000 | 2,918 |
| Additional noninterest expense | $1,057,000 | 1,655 |
| Pre-tax net operating income | $500,000 | 2,414 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $128,000 | 1,880 |
| Income before extraordinary items | $372,000 | 2,689 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $372,000 | 2,687 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $372,000 | 2,690 |
| Net charge-offs | $237,000 | 2,262 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $372,000 | 2,580 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,733,000 | 5,287 |
| Total interest expense | $660,000 | 6,769 |
| Net interest income | $4,073,000 | 4,520 |
| Provision for loan and lease losses | $1,683,000 | 2,709 |
| Total noninterest income | $4,081,000 | 1,277 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $19,000 | 6,903 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $4,062,000 | 837 |
| Total noninterest expense | $2,158,000 | 6,051 |
| Salaries and employee benefits | $1,022,000 | 6,191 |
| Premises and equipment expense | $185,000 | 6,603 |
| Additional noninterest expense | $951,000 | 5,366 |
| Pre-tax net operating income | $4,313,000 | 971 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $230,000 | 2,263 |
| Income before extraordinary items | $4,083,000 | 849 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,083,000 | 847 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $4,083,000 | 848 |
| Net charge-offs | $4,000 | 7,069 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $4,083,000 | 837 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,755,000 | 2,594 |
| Total interest expense | $3,457,000 | 2,532 |
| Net interest income | $6,298,000 | 2,602 |
| Provision for loan and lease losses | $2,902,000 | 1,512 |
| Total noninterest income | $3,505,000 | 1,174 |
| Gross Fiduciary activities income | $1,000 | 1,297 |
| Service charges on deposit accounts | $69,000 | 5,914 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $3,435,000 | 775 |
| Total noninterest expense | $6,813,000 | 2,187 |
| Salaries and employee benefits | $3,366,000 | 2,206 |
| Premises and equipment expense | $654,000 | 2,930 |
| Additional noninterest expense | $2,793,000 | 1,898 |
| Pre-tax net operating income | $88,000 | 5,334 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $88,000 | 5,368 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $88,000 | 5,367 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $88,000 | 5,367 |
| Net charge-offs | $3,377,000 | 1,102 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $88,000 | 5,308 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,577,000 | 2,600 |
| Total interest expense | $2,369,000 | 2,568 |
| Net interest income | $4,208,000 | 2,576 |
| Provision for loan and lease losses | $2,902,000 | 1,108 |
| Total noninterest income | $2,503,000 | 1,107 |
| Gross Fiduciary activities income | $1,000 | 1,272 |
| Service charges on deposit accounts | $48,000 | 5,865 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,454,000 | 749 |
| Total noninterest expense | $4,654,000 | 2,165 |
| Salaries and employee benefits | $2,256,000 | 2,235 |
| Premises and equipment expense | $440,000 | 2,952 |
| Additional noninterest expense | $1,958,000 | 1,840 |
| Pre-tax net operating income | $-845,000 | 6,932 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-845,000 | 7,053 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-845,000 | 7,053 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-845,000 | 7,053 |
| Net charge-offs | $3,361,000 | 774 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-845,000 | 7,043 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 2,633 |
| Total interest expense | $1,237,000 | 2,555 |
| Net interest income | $2,051,000 | 2,644 |
| Provision for loan and lease losses | $1,085,000 | 1,127 |
| Total noninterest income | $1,437,000 | 970 |
| Gross Fiduciary activities income | $1,000 | 1,214 |
| Service charges on deposit accounts | $25,000 | 5,766 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,411,000 | 654 |
| Total noninterest expense | $2,349,000 | 2,109 |
| Salaries and employee benefits | $1,155,000 | 2,204 |
| Premises and equipment expense | $223,000 | 2,965 |
| Additional noninterest expense | $971,000 | 1,670 |
| Pre-tax net operating income | $54,000 | 5,575 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $54,000 | 5,617 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $54,000 | 5,620 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $54,000 | 5,620 |
| Net charge-offs | $962,000 | 974 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $54,000 | 5,452 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,454,000 | 2,285 |
| Total interest expense | $6,038,000 | 2,503 |
| Net interest income | $10,416,000 | 2,130 |
| Provision for loan and lease losses | $7,377,000 | 762 |
| Total noninterest income | $2,624,000 | 1,746 |
| Gross Fiduciary activities income | $30,000 | 1,053 |
| Service charges on deposit accounts | $634,000 | 2,545 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,960,000 | 1,319 |
| Total noninterest expense | $8,355,000 | 2,290 |
| Salaries and employee benefits | $4,690,000 | 2,164 |
| Premises and equipment expense | $744,000 | 3,358 |
| Additional noninterest expense | $2,921,000 | 2,053 |
| Pre-tax net operating income | $-2,692,000 | 7,529 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-2,692,000 | 7,550 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,692,000 | 7,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,845,000 | 709 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,692,000 | 7,625 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,855,000 | 2,254 |
| Total interest expense | $4,732,000 | 2,499 |
| Net interest income | $8,123,000 | 2,060 |
| Provision for loan and lease losses | $6,805,000 | 522 |
| Total noninterest income | $1,961,000 | 1,797 |
| Gross Fiduciary activities income | $27,000 | 1,013 |
| Service charges on deposit accounts | $616,000 | 2,096 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,318,000 | 1,489 |
| Total noninterest expense | $6,392,000 | 2,236 |
| Salaries and employee benefits | $3,614,000 | 2,125 |
| Premises and equipment expense | $637,000 | 3,039 |
| Additional noninterest expense | $2,141,000 | 2,032 |
| Pre-tax net operating income | $-3,113,000 | 8,033 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-3,113,000 | 8,028 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,113,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,476,000 | 479 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,113,000 | 8,083 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,719,000 | 2,252 |
| Total interest expense | $3,258,000 | 2,517 |
| Net interest income | $5,461,000 | 2,039 |
| Provision for loan and lease losses | $6,605,000 | 353 |
| Total noninterest income | $1,327,000 | 1,801 |
| Gross Fiduciary activities income | $17,000 | 1,036 |
| Service charges on deposit accounts | $396,000 | 2,137 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $914,000 | 1,494 |
| Total noninterest expense | $4,510,000 | 2,130 |
| Salaries and employee benefits | $2,607,000 | 1,996 |
| Premises and equipment expense | $425,000 | 3,050 |
| Additional noninterest expense | $1,478,000 | 1,953 |
| Pre-tax net operating income | $-4,327,000 | 8,276 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-4,327,000 | 8,307 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,327,000 | 8,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,575,000 | 319 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-4,327,000 | 8,300 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,779,000 | 2,121 |
| Total interest expense | $1,723,000 | 2,532 |
| Net interest income | $3,056,000 | 1,831 |
| Provision for loan and lease losses | $300,000 | 1,372 |
| Total noninterest income | $640,000 | 1,858 |
| Gross Fiduciary activities income | $6,000 | 1,090 |
| Service charges on deposit accounts | $192,000 | 2,147 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $442,000 | 1,530 |
| Total noninterest expense | $2,313,000 | 2,073 |
| Salaries and employee benefits | $1,350,000 | 1,947 |
| Premises and equipment expense | $205,000 | 3,161 |
| Additional noninterest expense | $758,000 | 1,859 |
| Pre-tax net operating income | $1,083,000 | 1,661 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $1,083,000 | 1,388 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,083,000 | 1,391 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,847 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,083,000 | 1,353 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,371,000 | 2,243 |
| Total interest expense | $7,654,000 | 2,420 |
| Net interest income | $10,717,000 | 2,109 |
| Provision for loan and lease losses | $1,508,000 | 1,045 |
| Total noninterest income | $2,276,000 | 2,022 |
| Gross Fiduciary activities income | $17,000 | 1,174 |
| Service charges on deposit accounts | $851,000 | 2,023 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,408,000 | 1,756 |
| Total noninterest expense | $8,440,000 | 2,174 |
| Salaries and employee benefits | $4,777,000 | 2,112 |
| Premises and equipment expense | $942,000 | 2,698 |
| Additional noninterest expense | $2,721,000 | 2,022 |
| Pre-tax net operating income | $3,045,000 | 2,438 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $3,045,000 | 2,027 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,045,000 | 2,026 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,205,000 | 883 |
| Cash dividends | $2,900,000 | 1,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,045,000 | 2,007 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,693,000 | 2,263 |
| Total interest expense | $5,666,000 | 2,441 |
| Net interest income | $8,027,000 | 2,125 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $1,764,000 | 1,972 |
| Gross Fiduciary activities income | $9,000 | 1,194 |
| Service charges on deposit accounts | $648,000 | 1,981 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,107,000 | 1,694 |
| Total noninterest expense | $6,149,000 | 2,210 |
| Salaries and employee benefits | $3,618,000 | 2,089 |
| Premises and equipment expense | $686,000 | 2,757 |
| Additional noninterest expense | $1,845,000 | 2,164 |
| Pre-tax net operating income | $3,417,000 | 1,882 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $3,417,000 | 1,490 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,417,000 | 1,488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-95,000 | 8,369 |
| Cash dividends | $1,600,000 | 1,426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,417,000 | 1,479 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,167,000 | 2,270 |
| Total interest expense | $3,776,000 | 2,437 |
| Net interest income | $5,391,000 | 2,138 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $1,145,000 | 2,031 |
| Gross Fiduciary activities income | $8,000 | 1,166 |
| Service charges on deposit accounts | $436,000 | 1,975 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $701,000 | 1,777 |
| Total noninterest expense | $3,988,000 | 2,289 |
| Salaries and employee benefits | $2,407,000 | 2,125 |
| Premises and equipment expense | $431,000 | 2,914 |
| Additional noninterest expense | $1,150,000 | 2,312 |
| Pre-tax net operating income | $2,398,000 | 1,875 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $2,398,000 | 1,459 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,398,000 | 1,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 8,439 |
| Cash dividends | $600,000 | 2,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,398,000 | 1,442 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,467,000 | 2,328 |
| Total interest expense | $1,895,000 | 2,417 |
| Net interest income | $2,572,000 | 2,234 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $559,000 | 2,055 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $209,000 | 1,981 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $349,000 | 1,755 |
| Total noninterest expense | $1,999,000 | 2,292 |
| Salaries and employee benefits | $1,223,000 | 2,098 |
| Premises and equipment expense | $208,000 | 3,009 |
| Additional noninterest expense | $568,000 | 2,308 |
| Pre-tax net operating income | $1,057,000 | 2,071 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $1,057,000 | 1,632 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,057,000 | 1,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,057,000 | 1,619 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,606,000 | 2,215 |
| Total interest expense | $6,214,000 | 2,525 |
| Net interest income | $11,392,000 | 2,043 |
| Provision for loan and lease losses | $476,000 | 1,992 |
| Total noninterest income | $2,561,000 | 1,848 |
| Gross Fiduciary activities income | $30,000 | 1,107 |
| Service charges on deposit accounts | $892,000 | 1,929 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,639,000 | 1,558 |
| Total noninterest expense | $8,736,000 | 2,018 |
| Salaries and employee benefits | $4,880,000 | 1,997 |
| Premises and equipment expense | $908,000 | 2,696 |
| Additional noninterest expense | $2,948,000 | 1,786 |
| Pre-tax net operating income | $4,741,000 | 1,983 |
| Securities gains (losses) | $-146,000 | 8,311 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $4,595,000 | 1,575 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,595,000 | 1,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 1,883 |
| Cash dividends | $3,150,000 | 1,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,741,000 | 1,509 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,882,000 | 2,429 |
| Total interest expense | $4,382,000 | 2,576 |
| Net interest income | $7,500,000 | 2,312 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $2,025,000 | 1,782 |
| Gross Fiduciary activities income | $26,000 | 1,068 |
| Service charges on deposit accounts | $680,000 | 1,898 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,319,000 | 1,489 |
| Total noninterest expense | $6,395,000 | 2,063 |
| Salaries and employee benefits | $3,778,000 | 1,924 |
| Premises and equipment expense | $683,000 | 2,701 |
| Additional noninterest expense | $1,934,000 | 2,030 |
| Pre-tax net operating income | $2,905,000 | 2,391 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $2,905,000 | 1,887 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,905,000 | 1,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 2,167 |
| Cash dividends | $1,350,000 | 1,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,905,000 | 1,871 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,461,000 | 2,518 |
| Total interest expense | $2,663,000 | 2,679 |
| Net interest income | $4,798,000 | 2,409 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $1,348,000 | 1,789 |
| Gross Fiduciary activities income | $25,000 | 1,037 |
| Service charges on deposit accounts | $438,000 | 1,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $885,000 | 1,487 |
| Total noninterest expense | $4,191,000 | 2,104 |
| Salaries and employee benefits | $2,580,000 | 1,893 |
| Premises and equipment expense | $459,000 | 2,670 |
| Additional noninterest expense | $1,152,000 | 2,256 |
| Pre-tax net operating income | $1,805,000 | 2,513 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $1,805,000 | 2,004 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,805,000 | 2,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 2,134 |
| Cash dividends | $1,350,000 | 1,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,805,000 | 1,991 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,667,000 | 2,514 |
| Total interest expense | $1,283,000 | 2,661 |
| Net interest income | $2,384,000 | 2,414 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $693,000 | 1,707 |
| Gross Fiduciary activities income | $11,000 | 1,057 |
| Service charges on deposit accounts | $217,000 | 1,908 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $465,000 | 1,415 |
| Total noninterest expense | $2,147,000 | 2,060 |
| Salaries and employee benefits | $1,322,000 | 1,863 |
| Premises and equipment expense | $238,000 | 2,577 |
| Additional noninterest expense | $587,000 | 2,206 |
| Pre-tax net operating income | $855,000 | 2,574 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $855,000 | 2,063 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $855,000 | 2,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $650,000 | 1,078 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $855,000 | 2,046 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,872,000 | 2,561 |
| Total interest expense | $3,741,000 | 2,795 |
| Net interest income | $9,131,000 | 2,411 |
| Provision for loan and lease losses | $250,000 | 3,152 |
| Total noninterest income | $2,417,000 | 1,924 |
| Gross Fiduciary activities income | $4,000 | 1,396 |
| Service charges on deposit accounts | $918,000 | 1,873 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,495,000 | 1,662 |
| Total noninterest expense | $7,572,000 | 2,209 |
| Salaries and employee benefits | $4,338,000 | 2,125 |
| Premises and equipment expense | $984,000 | 2,399 |
| Additional noninterest expense | $2,250,000 | 2,223 |
| Pre-tax net operating income | $3,726,000 | 2,339 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $3,730,000 | 1,846 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,730,000 | 1,845 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,600 |
| Cash dividends | $2,650,000 | 1,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,726,000 | 1,826 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,460,000 | 2,548 |
| Total interest expense | $2,631,000 | 2,803 |
| Net interest income | $6,829,000 | 2,397 |
| Provision for loan and lease losses | $175,000 | 3,250 |
| Total noninterest income | $1,811,000 | 1,926 |
| Gross Fiduciary activities income | $2,000 | 1,379 |
| Service charges on deposit accounts | $681,000 | 1,887 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,128,000 | 1,660 |
| Total noninterest expense | $5,599,000 | 2,213 |
| Salaries and employee benefits | $3,310,000 | 2,065 |
| Premises and equipment expense | $750,000 | 2,352 |
| Additional noninterest expense | $1,539,000 | 2,389 |
| Pre-tax net operating income | $2,866,000 | 2,318 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $2,870,000 | 1,824 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,870,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,228 |
| Cash dividends | $2,150,000 | 993 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,866,000 | 1,790 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,059,000 | 2,581 |
| Total interest expense | $1,631,000 | 2,851 |
| Net interest income | $4,428,000 | 2,436 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $1,169,000 | 1,954 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $439,000 | 1,917 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $730,000 | 1,687 |
| Total noninterest expense | $3,710,000 | 2,212 |
| Salaries and employee benefits | $2,226,000 | 2,034 |
| Premises and equipment expense | $488,000 | 2,386 |
| Additional noninterest expense | $996,000 | 2,442 |
| Pre-tax net operating income | $1,787,000 | 2,390 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $1,787,000 | 1,914 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,787,000 | 1,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,551 |
| Cash dividends | $1,300,000 | 1,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,787,000 | 1,874 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,918,000 | 2,641 |
| Total interest expense | $764,000 | 2,911 |
| Net interest income | $2,154,000 | 2,481 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $617,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $219,000 | 1,857 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $398,000 | 1,558 |
| Total noninterest expense | $1,921,000 | 2,157 |
| Salaries and employee benefits | $1,130,000 | 2,023 |
| Premises and equipment expense | $238,000 | 2,463 |
| Additional noninterest expense | $553,000 | 2,211 |
| Pre-tax net operating income | $805,000 | 2,555 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $805,000 | 2,067 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $805,000 | 2,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,822 |
| Cash dividends | $650,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $805,000 | 2,032 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,525,000 | 2,688 |
| Total interest expense | $2,570,000 | 2,976 |
| Net interest income | $7,955,000 | 2,561 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $2,440,000 | 1,903 |
| Gross Fiduciary activities income | $16,000 | 1,241 |
| Service charges on deposit accounts | $937,000 | 1,868 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,487,000 | 1,646 |
| Total noninterest expense | $7,475,000 | 2,127 |
| Salaries and employee benefits | $4,267,000 | 2,038 |
| Premises and equipment expense | $985,000 | 2,324 |
| Additional noninterest expense | $2,223,000 | 2,192 |
| Pre-tax net operating income | $2,620,000 | 2,880 |
| Securities gains (losses) | $277,000 | 673 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $2,897,000 | 2,144 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,897,000 | 2,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $364,000 | 1,714 |
| Cash dividends | $1,651,000 | 1,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,620,000 | 2,275 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,660,000 | 2,748 |
| Total interest expense | $1,869,000 | 3,005 |
| Net interest income | $5,791,000 | 2,594 |
| Provision for loan and lease losses | $160,000 | 3,409 |
| Total noninterest income | $1,828,000 | 1,915 |
| Gross Fiduciary activities income | $16,000 | 1,173 |
| Service charges on deposit accounts | $708,000 | 1,868 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,104,000 | 1,655 |
| Total noninterest expense | $5,766,000 | 2,074 |
| Salaries and employee benefits | $3,272,000 | 1,990 |
| Premises and equipment expense | $798,000 | 2,146 |
| Additional noninterest expense | $1,696,000 | 2,129 |
| Pre-tax net operating income | $1,693,000 | 3,303 |
| Securities gains (losses) | $277,000 | 629 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $1,970,000 | 2,352 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,970,000 | 2,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 1,706 |
| Cash dividends | $851,000 | 1,934 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,693,000 | 2,622 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,036,000 | 2,772 |
| Total interest expense | $1,225,000 | 3,031 |
| Net interest income | $3,811,000 | 2,605 |
| Provision for loan and lease losses | $115,000 | 3,272 |
| Total noninterest income | $1,227,000 | 1,889 |
| Gross Fiduciary activities income | $5,000 | 1,290 |
| Service charges on deposit accounts | $471,000 | 1,852 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $751,000 | 1,627 |
| Total noninterest expense | $3,949,000 | 2,015 |
| Salaries and employee benefits | $2,231,000 | 1,956 |
| Premises and equipment expense | $531,000 | 2,149 |
| Additional noninterest expense | $1,187,000 | 2,020 |
| Pre-tax net operating income | $974,000 | 3,594 |
| Securities gains (losses) | $277,000 | 514 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $1,251,000 | 2,433 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,251,000 | 2,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $248,000 | 1,176 |
| Cash dividends | $551,000 | 1,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $974,000 | 2,917 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,593,000 | 2,693 |
| Total interest expense | $621,000 | 3,035 |
| Net interest income | $1,972,000 | 2,525 |
| Provision for loan and lease losses | $85,000 | 2,404 |
| Total noninterest income | $555,000 | 2,005 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $232,000 | 1,827 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $323,000 | 1,788 |
| Total noninterest expense | $1,969,000 | 2,041 |
| Salaries and employee benefits | $1,141,000 | 1,921 |
| Premises and equipment expense | $267,000 | 2,162 |
| Additional noninterest expense | $561,000 | 2,111 |
| Pre-tax net operating income | $473,000 | 3,673 |
| Securities gains (losses) | $277,000 | 401 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $750,000 | 2,048 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $750,000 | 2,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 1,426 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $473,000 | 2,957 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,402,000 | 2,719 |
| Total interest expense | $2,819,000 | 3,027 |
| Net interest income | $7,583,000 | 2,542 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $2,903,000 | 1,734 |
| Gross Fiduciary activities income | $24,000 | 1,214 |
| Service charges on deposit accounts | $970,000 | 1,780 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,909,000 | 1,518 |
| Total noninterest expense | $7,794,000 | 2,024 |
| Salaries and employee benefits | $4,373,000 | 1,970 |
| Premises and equipment expense | $1,029,000 | 2,203 |
| Additional noninterest expense | $2,392,000 | 2,013 |
| Pre-tax net operating income | $2,492,000 | 2,898 |
| Securities gains (losses) | $346,000 | 959 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $2,838,000 | 2,142 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,838,000 | 2,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 3,016 |
| Cash dividends | $2,100,000 | 1,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,492,000 | 2,271 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,831,000 | 2,748 |
| Total interest expense | $2,168,000 | 3,067 |
| Net interest income | $5,663,000 | 2,571 |
| Provision for loan and lease losses | $100,000 | 4,641 |
| Total noninterest income | $2,274,000 | 1,716 |
| Gross Fiduciary activities income | $19,000 | 1,187 |
| Service charges on deposit accounts | $657,000 | 1,973 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,598,000 | 1,472 |
| Total noninterest expense | $5,828,000 | 2,035 |
| Salaries and employee benefits | $3,321,000 | 1,938 |
| Premises and equipment expense | $776,000 | 2,205 |
| Additional noninterest expense | $1,731,000 | 2,076 |
| Pre-tax net operating income | $2,009,000 | 2,844 |
| Securities gains (losses) | $346,000 | 880 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $2,355,000 | 2,029 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,355,000 | 2,028 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 3,689 |
| Cash dividends | $1,450,000 | 1,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,009,000 | 2,213 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,238,000 | 2,770 |
| Total interest expense | $1,517,000 | 3,012 |
| Net interest income | $3,721,000 | 2,613 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $1,465,000 | 1,750 |
| Gross Fiduciary activities income | $18,000 | 1,134 |
| Service charges on deposit accounts | $423,000 | 1,988 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,024,000 | 1,488 |
| Total noninterest expense | $3,892,000 | 2,022 |
| Salaries and employee benefits | $2,212,000 | 1,925 |
| Premises and equipment expense | $516,000 | 2,191 |
| Additional noninterest expense | $1,164,000 | 2,055 |
| Pre-tax net operating income | $1,294,000 | 2,917 |
| Securities gains (losses) | $347,000 | 734 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $1,641,000 | 1,943 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,641,000 | 1,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $900,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,294,000 | 2,269 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 2,761 |
| Total interest expense | $792,000 | 2,963 |
| Net interest income | $1,850,000 | 2,623 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $657,000 | 1,868 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $202,000 | 2,001 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $455,000 | 1,581 |
| Total noninterest expense | $2,011,000 | 1,948 |
| Salaries and employee benefits | $1,201,000 | 1,774 |
| Premises and equipment expense | $260,000 | 2,175 |
| Additional noninterest expense | $550,000 | 2,136 |
| Pre-tax net operating income | $496,000 | 3,513 |
| Securities gains (losses) | $7,000 | 2,278 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $503,000 | 2,933 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $503,000 | 2,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,062 |
| Cash dividends | $320,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $496,000 | 2,824 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,809,000 | 2,597 |
| Total interest expense | $4,534,000 | 2,458 |
| Net interest income | $7,275,000 | 2,621 |
| Provision for loan and lease losses | $250,000 | 3,856 |
| Total noninterest income | $2,506,000 | 1,796 |
| Gross Fiduciary activities income | $28,000 | 1,220 |
| Service charges on deposit accounts | $758,000 | 2,099 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,720,000 | 1,480 |
| Total noninterest expense | $7,600,000 | 1,978 |
| Salaries and employee benefits | $4,423,000 | 1,823 |
| Premises and equipment expense | $940,000 | 2,312 |
| Additional noninterest expense | $2,237,000 | 2,063 |
| Pre-tax net operating income | $1,931,000 | 3,508 |
| Securities gains (losses) | $87,000 | 1,868 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $2,018,000 | 2,780 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,018,000 | 2,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,965 |
| Cash dividends | $1,230,000 | 1,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,931,000 | 2,790 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,591,000 | 2,517 |
| Total interest expense | $6,564,000 | 2,448 |
| Net interest income | $7,027,000 | 2,547 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $1,890,000 | 2,104 |
| Gross Fiduciary activities income | $24,000 | 1,274 |
| Service charges on deposit accounts | $667,000 | 2,246 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,199,000 | 1,802 |
| Total noninterest expense | $7,271,000 | 1,974 |
| Salaries and employee benefits | $4,193,000 | 1,788 |
| Premises and equipment expense | $926,000 | 2,306 |
| Additional noninterest expense | $2,152,000 | 2,090 |
| Pre-tax net operating income | $1,286,000 | 4,256 |
| Securities gains (losses) | $185,000 | 1,259 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,471,000 | 3,272 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,471,000 | 3,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $1,061,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,286,000 | 3,514 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $14,143,000 | 2,449 |
| Total interest expense | $6,694,000 | 2,512 |
| Net interest income | $7,449,000 | 2,381 |
| Provision for loan and lease losses | $600,000 | 1,605 |
| Total noninterest income | $1,738,000 | 2,076 |
| Gross Fiduciary activities income | $5,000 | 1,259 |
| Service charges on deposit accounts | $653,000 | 2,116 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,080,000 | 1,771 |
| Total noninterest expense | $7,129,000 | 1,955 |
| Salaries and employee benefits | $3,925,000 | 1,833 |
| Premises and equipment expense | $986,000 | 2,090 |
| Additional noninterest expense | $2,218,000 | 1,961 |
| Pre-tax net operating income | $1,458,000 | 4,139 |
| Securities gains (losses) | $-48,000 | 9,187 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,410,000 | 3,413 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,410,000 | 3,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $440,000 | 1,363 |
| Cash dividends | $1,400,000 | 1,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,458,000 | 3,315 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,611,000 | 2,405 |
| Total interest expense | $6,234,000 | 2,353 |
| Net interest income | $7,377,000 | 2,395 |
| Provision for loan and lease losses | $900,000 | 1,061 |
| Total noninterest income | $1,652,000 | 2,147 |
| Gross Fiduciary activities income | $1,000 | 1,355 |
| Service charges on deposit accounts | $650,000 | 2,043 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,001,000 | 1,868 |
| Total noninterest expense | $7,117,000 | 1,930 |
| Salaries and employee benefits | $3,684,000 | 1,897 |
| Premises and equipment expense | $1,135,000 | 1,799 |
| Additional noninterest expense | $2,298,000 | 1,896 |
| Pre-tax net operating income | $1,012,000 | 5,277 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,010,000 | 4,406 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,010,000 | 4,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $931,000 | 742 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,012,000 | 4,368 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,658,000 | 2,578 |
| Total interest expense | $5,607,000 | 2,705 |
| Net interest income | $7,051,000 | 2,409 |
| Provision for loan and lease losses | $560,000 | 1,578 |
| Total noninterest income | $1,664,000 | 2,099 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $658,000 | 1,937 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,006,000 | 1,849 |
| Total noninterest expense | $6,863,000 | 1,893 |
| Salaries and employee benefits | $3,415,000 | 1,952 |
| Premises and equipment expense | $1,043,000 | 1,901 |
| Additional noninterest expense | $2,405,000 | 1,764 |
| Pre-tax net operating income | $1,292,000 | 4,643 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $239,000 | 5,749 |
| Income before extraordinary items | $1,053,000 | 4,322 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,053,000 | 4,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,209 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,053,000 | 4,229 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,674,000 | 2,809 |
| Total interest expense | $4,999,000 | 2,974 |
| Net interest income | $6,675,000 | 2,603 |
| Provision for loan and lease losses | $357,000 | 2,295 |
| Total noninterest income | $1,309,000 | 2,448 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $543,000 | 2,427 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $766,000 | 2,086 |
| Total noninterest expense | $6,336,000 | 2,040 |
| Salaries and employee benefits | $3,112,000 | 2,119 |
| Premises and equipment expense | $1,010,000 | 1,953 |
| Additional noninterest expense | $2,214,000 | 1,919 |
| Pre-tax net operating income | $1,291,000 | 4,992 |
| Securities gains (losses) | $17,000 | 2,006 |
| Applicable income taxes | $439,000 | 4,606 |
| Income before extraordinary items | $869,000 | 5,183 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $869,000 | 5,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,575 |
| Cash dividends | $300,000 | 4,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $857,780 | 5,171 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,698,000 | 3,073 |
| Total interest expense | $4,459,000 | 3,345 |
| Net interest income | $6,239,000 | 2,844 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $1,088,000 | 2,916 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $421,000 | 3,199 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $667,000 | 2,388 |
| Total noninterest expense | $4,918,000 | 2,777 |
| Salaries and employee benefits | $2,502,000 | 2,700 |
| Premises and equipment expense | $576,000 | 3,342 |
| Additional noninterest expense | $1,840,000 | 2,646 |
| Pre-tax net operating income | $2,309,000 | 3,027 |
| Securities gains (losses) | $8,000 | 2,673 |
| Applicable income taxes | $775,000 | 2,932 |
| Income before extraordinary items | $1,542,000 | 3,115 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,542,000 | 3,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,536,640 | 3,085 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,570,000 | 3,418 |
| Total interest expense | $4,262,000 | 3,490 |
| Net interest income | $5,308,000 | 3,338 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $928,000 | 3,285 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $393,000 | 3,419 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $535,000 | 2,744 |
| Total noninterest expense | $4,291,000 | 3,121 |
| Salaries and employee benefits | $2,245,000 | 2,966 |
| Premises and equipment expense | $431,000 | 4,254 |
| Additional noninterest expense | $1,615,000 | 2,888 |
| Pre-tax net operating income | $1,945,000 | 3,578 |
| Securities gains (losses) | $13,000 | 2,193 |
| Applicable income taxes | $715,000 | 3,183 |
| Income before extraordinary items | $1,243,000 | 3,839 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,243,000 | 3,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,832 |
| Cash dividends | $1,150,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,234,680 | 3,836 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,910,000 | 3,781 |
| Total interest expense | $3,131,000 | 3,805 |
| Net interest income | $4,779,000 | 3,716 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $892,000 | 3,381 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $366,000 | 3,686 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $526,000 | 2,864 |
| Total noninterest expense | $3,773,000 | 3,600 |
| Salaries and employee benefits | $1,998,000 | 3,283 |
| Premises and equipment expense | $407,000 | 4,522 |
| Additional noninterest expense | $1,368,000 | 3,606 |
| Pre-tax net operating income | $1,898,000 | 3,587 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $558,000 | 3,726 |
| Income before extraordinary items | $1,340,000 | 3,503 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,340,000 | 3,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,539 |
| Cash dividends | $1,077,000 | 1,785 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,340,000 | 3,531 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,357,000 | 4,117 |
| Total interest expense | $3,162,000 | 3,942 |
| Net interest income | $4,195,000 | 4,217 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,043,000 | 3,237 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $323,000 | 4,162 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $720,000 | 2,546 |
| Total noninterest expense | $3,550,000 | 3,861 |
| Salaries and employee benefits | $1,901,000 | 3,428 |
| Premises and equipment expense | $405,000 | 4,666 |
| Additional noninterest expense | $1,244,000 | 4,066 |
| Pre-tax net operating income | $1,688,000 | 3,901 |
| Securities gains (losses) | $6,000 | 5,977 |
| Applicable income taxes | $501,000 | 4,181 |
| Income before extraordinary items | $1,193,000 | 4,041 |
| Extraordinary gains, net | $160,000 | 1,179 |
| Net income | $1,353,000 | 3,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 12,930 |
| Cash dividends | $1,027,000 | 1,699 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,188,800 | 3,855 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,624,000 | 4,475 |
| Total interest expense | $3,669,000 | 4,382 |
| Net interest income | $3,955,000 | 4,495 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $798,000 | 3,982 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $254,000 | 5,066 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $544,000 | 3,017 |
| Total noninterest expense | $3,053,000 | 4,452 |
| Salaries and employee benefits | $1,651,000 | 3,888 |
| Premises and equipment expense | $367,000 | 5,151 |
| Additional noninterest expense | $1,035,000 | 4,917 |
| Pre-tax net operating income | $1,700,000 | 3,621 |
| Securities gains (losses) | $181,000 | 2,152 |
| Applicable income taxes | $607,000 | 3,404 |
| Income before extraordinary items | $1,274,000 | 3,610 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,274,000 | 3,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-139,000 | 13,797 |
| Cash dividends | $1,000,000 | 1,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,150,920 | 3,667 |
* 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.