Home > The Peoples National Bank > Income and Expense
The Peoples National Bank, Income and Expense
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,389,000 | 1,990 |
| Total interest expense | $549,000 | 2,182 |
| Net interest income | $2,840,000 | 1,955 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $658,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $240,000 | 1,452 |
| Trading account gains and fees | $4,000 | 136 |
| Additional Noninterest Income | $414,000 | 1,710 |
| Total noninterest expense | $2,977,000 | 1,622 |
| Salaries and employee benefits | $1,489,000 | 1,691 |
| Premises and equipment expense | $248,000 | 2,308 |
| Additional noninterest expense | $1,240,000 | 1,361 |
| Pre-tax net operating income | $521,000 | 2,794 |
| Securities gains (losses) | $203,000 | 601 |
| Applicable income taxes | $46,000 | 3,136 |
| Income before extraordinary items | $678,000 | 2,055 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $678,000 | 2,056 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $678,000 | 2,057 |
| Net charge-offs | $331,000 | 1,399 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $487,180 | 2,543 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,928,000 | 1,885 |
| Total interest expense | $3,085,000 | 1,911 |
| Net interest income | $11,843,000 | 1,866 |
| Provision for loan and lease losses | $2,268,000 | 1,436 |
| Total noninterest income | $3,002,000 | 1,496 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,063,000 | 1,394 |
| Trading account gains and fees | $42,000 | 114 |
| Additional Noninterest Income | $1,897,000 | 1,417 |
| Total noninterest expense | $10,889,000 | 1,775 |
| Salaries and employee benefits | $4,972,000 | 1,942 |
| Premises and equipment expense | $957,000 | 2,502 |
| Additional noninterest expense | $4,960,000 | 1,395 |
| Pre-tax net operating income | $1,688,000 | 2,827 |
| Securities gains (losses) | $305,000 | 1,126 |
| Applicable income taxes | $259,000 | 2,660 |
| Income before extraordinary items | $1,734,000 | 2,508 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,734,000 | 2,508 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,734,000 | 2,509 |
| Net charge-offs | $3,284,000 | 1,125 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,468,650 | 2,715 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,306,000 | 1,890 |
| Total interest expense | $2,432,000 | 1,901 |
| Net interest income | $8,874,000 | 1,869 |
| Provision for loan and lease losses | $2,168,000 | 1,177 |
| Total noninterest income | $2,306,000 | 1,454 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $791,000 | 1,404 |
| Trading account gains and fees | $82,000 | 109 |
| Additional Noninterest Income | $1,433,000 | 1,388 |
| Total noninterest expense | $8,382,000 | 1,732 |
| Salaries and employee benefits | $3,749,000 | 1,936 |
| Premises and equipment expense | $714,000 | 2,528 |
| Additional noninterest expense | $3,919,000 | 1,316 |
| Pre-tax net operating income | $630,000 | 4,141 |
| Securities gains (losses) | $305,000 | 916 |
| Applicable income taxes | $55,000 | 3,572 |
| Income before extraordinary items | $880,000 | 3,316 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $880,000 | 3,318 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $880,000 | 3,317 |
| Net charge-offs | $2,254,000 | 1,131 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $593,300 | 3,936 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,541,000 | 1,900 |
| Total interest expense | $1,693,000 | 1,890 |
| Net interest income | $5,848,000 | 1,890 |
| Provision for loan and lease losses | $1,515,000 | 1,107 |
| Total noninterest income | $1,647,000 | 1,385 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $517,000 | 1,414 |
| Trading account gains and fees | $139,000 | 95 |
| Additional Noninterest Income | $991,000 | 1,349 |
| Total noninterest expense | $5,474,000 | 1,780 |
| Salaries and employee benefits | $2,572,000 | 1,904 |
| Premises and equipment expense | $472,000 | 2,565 |
| Additional noninterest expense | $2,430,000 | 1,442 |
| Pre-tax net operating income | $506,000 | 3,795 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $34,000 | 3,575 |
| Income before extraordinary items | $472,000 | 3,696 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $472,000 | 3,696 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $472,000 | 3,697 |
| Net charge-offs | $1,035,000 | 1,442 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $472,000 | 3,587 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,756,000 | 1,921 |
| Total interest expense | $878,000 | 1,882 |
| Net interest income | $2,878,000 | 1,917 |
| Provision for loan and lease losses | $850,000 | 974 |
| Total noninterest income | $888,000 | 1,326 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $254,000 | 1,409 |
| Trading account gains and fees | $64,000 | 103 |
| Additional Noninterest Income | $570,000 | 1,230 |
| Total noninterest expense | $2,840,000 | 1,739 |
| Salaries and employee benefits | $1,331,000 | 1,865 |
| Premises and equipment expense | $234,000 | 2,627 |
| Additional noninterest expense | $1,275,000 | 1,376 |
| Pre-tax net operating income | $76,000 | 5,430 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-37,000 | 7,147 |
| Income before extraordinary items | $113,000 | 4,849 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $113,000 | 4,847 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $113,000 | 4,849 |
| Net charge-offs | $637,000 | 1,152 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $113,000 | 4,780 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,008,000 | 1,892 |
| Total interest expense | $4,104,000 | 1,950 |
| Net interest income | $11,904,000 | 1,846 |
| Provision for loan and lease losses | $5,245,000 | 1,107 |
| Total noninterest income | $2,837,000 | 1,614 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,148,000 | 1,321 |
| Trading account gains and fees | $-26,000 | 7,599 |
| Additional Noninterest Income | $1,715,000 | 1,550 |
| Total noninterest expense | $11,238,000 | 1,759 |
| Salaries and employee benefits | $5,283,000 | 1,834 |
| Premises and equipment expense | $1,034,000 | 2,410 |
| Additional noninterest expense | $4,921,000 | 1,471 |
| Pre-tax net operating income | $-1,742,000 | 6,706 |
| Securities gains (losses) | $680,000 | 680 |
| Applicable income taxes | $-636,000 | 7,219 |
| Income before extraordinary items | $-426,000 | 6,330 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-426,000 | 6,331 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-426,000 | 6,331 |
| Net charge-offs | $4,495,000 | 1,113 |
| Cash dividends | $124,000 | 3,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-861,200 | 6,488 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,100,000 | 1,913 |
| Total interest expense | $3,176,000 | 1,967 |
| Net interest income | $8,924,000 | 1,880 |
| Provision for loan and lease losses | $5,045,000 | 869 |
| Total noninterest income | $2,084,000 | 1,643 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $860,000 | 1,370 |
| Trading account gains and fees | $-38,000 | 7,710 |
| Additional Noninterest Income | $1,262,000 | 1,534 |
| Total noninterest expense | $7,801,000 | 1,878 |
| Salaries and employee benefits | $3,962,000 | 1,841 |
| Premises and equipment expense | $773,000 | 2,458 |
| Additional noninterest expense | $3,066,000 | 1,735 |
| Pre-tax net operating income | $-1,838,000 | 7,033 |
| Securities gains (losses) | $680,000 | 575 |
| Applicable income taxes | $-601,000 | 7,400 |
| Income before extraordinary items | $-557,000 | 6,699 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-557,000 | 6,700 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-557,000 | 6,700 |
| Net charge-offs | $3,884,000 | 931 |
| Cash dividends | $124,000 | 3,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-992,200 | 6,853 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,182,000 | 1,918 |
| Total interest expense | $2,203,000 | 1,973 |
| Net interest income | $5,979,000 | 1,874 |
| Provision for loan and lease losses | $4,145,000 | 747 |
| Total noninterest income | $1,363,000 | 1,617 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $557,000 | 1,412 |
| Trading account gains and fees | $-44,000 | 7,780 |
| Additional Noninterest Income | $850,000 | 1,454 |
| Total noninterest expense | $5,215,000 | 1,880 |
| Salaries and employee benefits | $2,647,000 | 1,855 |
| Premises and equipment expense | $514,000 | 2,480 |
| Additional noninterest expense | $2,054,000 | 1,717 |
| Pre-tax net operating income | $-2,018,000 | 7,274 |
| Securities gains (losses) | $530,000 | 457 |
| Applicable income taxes | $-643,000 | 7,531 |
| Income before extraordinary items | $-845,000 | 7,025 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-845,000 | 7,025 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-845,000 | 7,025 |
| Net charge-offs | $2,918,000 | 850 |
| Cash dividends | $124,000 | 2,687 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,184,200 | 7,127 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,171,000 | 1,922 |
| Total interest expense | $1,145,000 | 2,001 |
| Net interest income | $3,026,000 | 1,874 |
| Provision for loan and lease losses | $3,245,000 | 513 |
| Total noninterest income | $693,000 | 1,609 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $272,000 | 1,442 |
| Trading account gains and fees | $12,000 | 142 |
| Additional Noninterest Income | $409,000 | 1,489 |
| Total noninterest expense | $2,644,000 | 1,884 |
| Salaries and employee benefits | $1,333,000 | 1,879 |
| Premises and equipment expense | $257,000 | 2,530 |
| Additional noninterest expense | $1,054,000 | 1,662 |
| Pre-tax net operating income | $-2,170,000 | 7,620 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-807,000 | 7,767 |
| Income before extraordinary items | $-1,363,000 | 7,549 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,363,000 | 7,550 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,363,000 | 7,550 |
| Net charge-offs | $2,078,000 | 627 |
| Cash dividends | $124,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,363,000 | 7,546 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,781,000 | 1,898 |
| Total interest expense | $5,986,000 | 1,925 |
| Net interest income | $11,795,000 | 1,882 |
| Provision for loan and lease losses | $3,033,000 | 1,969 |
| Total noninterest income | $3,111,000 | 1,568 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,272,000 | 1,354 |
| Trading account gains and fees | $41,000 | 164 |
| Additional Noninterest Income | $1,798,000 | 1,482 |
| Total noninterest expense | $10,786,000 | 1,888 |
| Salaries and employee benefits | $5,525,000 | 1,795 |
| Premises and equipment expense | $1,114,000 | 2,356 |
| Additional noninterest expense | $4,147,000 | 1,795 |
| Pre-tax net operating income | $1,087,000 | 2,863 |
| Securities gains (losses) | $-154,000 | 7,365 |
| Applicable income taxes | $55,000 | 3,210 |
| Income before extraordinary items | $878,000 | 2,986 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $878,000 | 2,986 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $878,000 | 2,986 |
| Net charge-offs | $5,032,000 | 1,139 |
| Cash dividends | $277,000 | 3,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,022,760 | 2,681 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,332,000 | 1,939 |
| Total interest expense | $4,731,000 | 1,921 |
| Net interest income | $8,601,000 | 1,924 |
| Provision for loan and lease losses | $2,133,000 | 1,831 |
| Total noninterest income | $2,362,000 | 1,576 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $939,000 | 1,375 |
| Trading account gains and fees | $83,000 | 152 |
| Additional Noninterest Income | $1,340,000 | 1,503 |
| Total noninterest expense | $8,003,000 | 1,888 |
| Salaries and employee benefits | $4,183,000 | 1,797 |
| Premises and equipment expense | $832,000 | 2,393 |
| Additional noninterest expense | $2,988,000 | 1,790 |
| Pre-tax net operating income | $827,000 | 3,062 |
| Securities gains (losses) | $-159,000 | 7,545 |
| Applicable income taxes | $31,000 | 3,590 |
| Income before extraordinary items | $637,000 | 3,285 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $637,000 | 3,283 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $637,000 | 3,285 |
| Net charge-offs | $4,050,000 | 969 |
| Cash dividends | $153,000 | 3,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $788,050 | 2,825 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,138,000 | 1,934 |
| Total interest expense | $3,354,000 | 1,896 |
| Net interest income | $5,784,000 | 1,897 |
| Provision for loan and lease losses | $1,233,000 | 1,833 |
| Total noninterest income | $1,502,000 | 1,646 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $612,000 | 1,389 |
| Trading account gains and fees | $50,000 | 148 |
| Additional Noninterest Income | $840,000 | 1,589 |
| Total noninterest expense | $5,205,000 | 1,958 |
| Salaries and employee benefits | $2,799,000 | 1,821 |
| Premises and equipment expense | $546,000 | 2,462 |
| Additional noninterest expense | $1,860,000 | 1,921 |
| Pre-tax net operating income | $848,000 | 2,404 |
| Securities gains (losses) | $-160,000 | 7,751 |
| Applicable income taxes | $111,000 | 2,538 |
| Income before extraordinary items | $577,000 | 2,831 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $577,000 | 2,829 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $577,000 | 2,831 |
| Net charge-offs | $2,657,000 | 939 |
| Cash dividends | $29,000 | 3,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $711,400 | 2,381 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,761,000 | 1,883 |
| Total interest expense | $1,758,000 | 1,894 |
| Net interest income | $3,003,000 | 1,846 |
| Provision for loan and lease losses | $600,000 | 1,587 |
| Total noninterest income | $732,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $300,000 | 1,380 |
| Trading account gains and fees | $5,000 | 151 |
| Additional Noninterest Income | $427,000 | 1,548 |
| Total noninterest expense | $2,606,000 | 1,905 |
| Salaries and employee benefits | $1,415,000 | 1,839 |
| Premises and equipment expense | $271,000 | 2,508 |
| Additional noninterest expense | $920,000 | 1,759 |
| Pre-tax net operating income | $529,000 | 2,272 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $123,000 | 1,974 |
| Income before extraordinary items | $406,000 | 2,539 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $406,000 | 2,539 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $406,000 | 2,541 |
| Net charge-offs | $2,195,000 | 577 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $406,000 | 2,398 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $20,257,000 | 1,888 |
| Total interest expense | $9,351,000 | 1,727 |
| Net interest income | $10,906,000 | 2,036 |
| Provision for loan and lease losses | $11,250,000 | 544 |
| Total noninterest income | $2,675,000 | 1,728 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,448,000 | 1,243 |
| Trading account gains and fees | $-72,000 | 8,208 |
| Additional Noninterest Income | $1,299,000 | 1,774 |
| Total noninterest expense | $10,699,000 | 1,815 |
| Salaries and employee benefits | $5,996,000 | 1,706 |
| Premises and equipment expense | $1,125,000 | 2,368 |
| Additional noninterest expense | $3,578,000 | 1,714 |
| Pre-tax net operating income | $-8,368,000 | 7,948 |
| Securities gains (losses) | $-1,468,000 | 7,819 |
| Applicable income taxes | $-3,631,000 | 8,050 |
| Income before extraordinary items | $-6,205,000 | 7,880 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,205,000 | 7,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,953,000 | 534 |
| Cash dividends | $706,000 | 2,835 |
| Sale, conversion, retirement of capital stock, net | $9,000,000 | 171 |
| Net operating income | $-5,265,480 | 7,878 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,728,000 | 1,859 |
| Total interest expense | $7,329,000 | 1,728 |
| Net interest income | $8,399,000 | 2,003 |
| Provision for loan and lease losses | $7,200,000 | 508 |
| Total noninterest income | $2,049,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,064,000 | 1,276 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $985,000 | 1,835 |
| Total noninterest expense | $7,854,000 | 1,841 |
| Salaries and employee benefits | $4,596,000 | 1,694 |
| Premises and equipment expense | $847,000 | 2,375 |
| Additional noninterest expense | $2,411,000 | 1,834 |
| Pre-tax net operating income | $-4,606,000 | 8,110 |
| Securities gains (losses) | $-1,468,000 | 7,990 |
| Applicable income taxes | $-2,209,000 | 8,198 |
| Income before extraordinary items | $-3,865,000 | 8,074 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-3,865,000 | 8,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,967,000 | 530 |
| Cash dividends | $706,000 | 2,258 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 298 |
| Net operating income | $-2,925,480 | 8,064 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,662,000 | 1,867 |
| Total interest expense | $5,043,000 | 1,747 |
| Net interest income | $5,619,000 | 1,987 |
| Provision for loan and lease losses | $1,600,000 | 907 |
| Total noninterest income | $1,372,000 | 1,758 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $686,000 | 1,296 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $686,000 | 1,824 |
| Total noninterest expense | $5,204,000 | 1,851 |
| Salaries and employee benefits | $3,071,000 | 1,703 |
| Premises and equipment expense | $563,000 | 2,382 |
| Additional noninterest expense | $1,570,000 | 1,846 |
| Pre-tax net operating income | $187,000 | 5,903 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-25,000 | 7,690 |
| Income before extraordinary items | $212,000 | 5,523 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 5,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $808,000 | 979 |
| Cash dividends | $353,000 | 2,734 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 208 |
| Net operating income | $212,000 | 5,451 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,470,000 | 1,873 |
| Total interest expense | $2,674,000 | 1,755 |
| Net interest income | $2,796,000 | 1,989 |
| Provision for loan and lease losses | $225,000 | 1,695 |
| Total noninterest income | $679,000 | 1,792 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $341,000 | 1,286 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $338,000 | 1,826 |
| Total noninterest expense | $2,582,000 | 1,858 |
| Salaries and employee benefits | $1,545,000 | 1,701 |
| Premises and equipment expense | $279,000 | 2,419 |
| Additional noninterest expense | $758,000 | 1,859 |
| Pre-tax net operating income | $668,000 | 2,508 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $203,000 | 1,943 |
| Income before extraordinary items | $465,000 | 2,857 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $465,000 | 2,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $571,000 | 649 |
| Cash dividends | $353,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $465,000 | 2,785 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,056,000 | 1,917 |
| Total interest expense | $9,618,000 | 1,997 |
| Net interest income | $12,438,000 | 1,823 |
| Provision for loan and lease losses | $900,000 | 1,538 |
| Total noninterest income | $2,753,000 | 1,745 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,366,000 | 1,302 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,387,000 | 1,767 |
| Total noninterest expense | $9,657,000 | 1,919 |
| Salaries and employee benefits | $3,567,000 | 2,752 |
| Premises and equipment expense | $1,044,000 | 2,467 |
| Additional noninterest expense | $5,046,000 | 1,119 |
| Pre-tax net operating income | $4,634,000 | 1,752 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,390,000 | 1,490 |
| Income before extraordinary items | $3,244,000 | 1,911 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,244,000 | 1,910 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $601,000 | 1,484 |
| Cash dividends | $1,343,000 | 2,187 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,244,000 | 1,898 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,284,000 | 1,945 |
| Total interest expense | $6,953,000 | 2,059 |
| Net interest income | $9,331,000 | 1,826 |
| Provision for loan and lease losses | $450,000 | 1,697 |
| Total noninterest income | $2,086,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $991,000 | 1,327 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,095,000 | 1,708 |
| Total noninterest expense | $7,042,000 | 1,951 |
| Salaries and employee benefits | $2,623,000 | 2,788 |
| Premises and equipment expense | $755,000 | 2,553 |
| Additional noninterest expense | $3,664,000 | 1,126 |
| Pre-tax net operating income | $3,925,000 | 1,695 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,203,000 | 1,441 |
| Income before extraordinary items | $2,722,000 | 1,854 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,722,000 | 1,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,135 |
| Cash dividends | $1,007,000 | 1,970 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,722,000 | 1,841 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,621,000 | 2,002 |
| Total interest expense | $4,423,000 | 2,147 |
| Net interest income | $6,198,000 | 1,849 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $1,433,000 | 1,726 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $642,000 | 1,375 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $791,000 | 1,624 |
| Total noninterest expense | $4,652,000 | 1,984 |
| Salaries and employee benefits | $1,727,000 | 2,868 |
| Premises and equipment expense | $499,000 | 2,595 |
| Additional noninterest expense | $2,426,000 | 1,152 |
| Pre-tax net operating income | $2,679,000 | 1,709 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $823,000 | 1,458 |
| Income before extraordinary items | $1,856,000 | 1,873 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,856,000 | 1,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 761 |
| Cash dividends | $671,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,856,000 | 1,849 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,157,000 | 2,054 |
| Total interest expense | $2,111,000 | 2,214 |
| Net interest income | $3,046,000 | 1,892 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $786,000 | 1,599 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $308,000 | 1,387 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $478,000 | 1,412 |
| Total noninterest expense | $2,284,000 | 2,030 |
| Salaries and employee benefits | $847,000 | 2,925 |
| Premises and equipment expense | $250,000 | 2,587 |
| Additional noninterest expense | $1,187,000 | 1,151 |
| Pre-tax net operating income | $1,398,000 | 1,640 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $432,000 | 1,443 |
| Income before extraordinary items | $966,000 | 1,770 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $966,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 914 |
| Cash dividends | $335,000 | 1,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $966,000 | 1,756 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $19,087,000 | 2,070 |
| Total interest expense | $6,809,000 | 2,339 |
| Net interest income | $12,278,000 | 1,887 |
| Provision for loan and lease losses | $825,000 | 1,238 |
| Total noninterest income | $2,485,000 | 1,890 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,377,000 | 1,294 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,108,000 | 2,073 |
| Total noninterest expense | $8,633,000 | 2,040 |
| Salaries and employee benefits | $3,243,000 | 2,914 |
| Premises and equipment expense | $1,014,000 | 2,442 |
| Additional noninterest expense | $4,376,000 | 1,220 |
| Pre-tax net operating income | $5,305,000 | 1,793 |
| Securities gains (losses) | $-52,000 | 7,955 |
| Applicable income taxes | $1,660,000 | 1,523 |
| Income before extraordinary items | $3,593,000 | 1,970 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,593,000 | 1,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $471,000 | 1,228 |
| Cash dividends | $1,258,000 | 2,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,628,360 | 1,936 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,996,000 | 2,102 |
| Total interest expense | $4,870,000 | 2,368 |
| Net interest income | $9,126,000 | 1,923 |
| Provision for loan and lease losses | $600,000 | 1,201 |
| Total noninterest income | $1,909,000 | 1,872 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,050,000 | 1,273 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $859,000 | 2,027 |
| Total noninterest expense | $6,410,000 | 2,058 |
| Salaries and employee benefits | $2,427,000 | 2,918 |
| Premises and equipment expense | $755,000 | 2,459 |
| Additional noninterest expense | $3,228,000 | 1,241 |
| Pre-tax net operating income | $4,025,000 | 1,831 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,302,000 | 1,542 |
| Income before extraordinary items | $2,723,000 | 1,998 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,723,000 | 1,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 1,231 |
| Cash dividends | $941,000 | 2,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,723,000 | 1,990 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,021,000 | 2,129 |
| Total interest expense | $3,104,000 | 2,368 |
| Net interest income | $5,917,000 | 1,977 |
| Provision for loan and lease losses | $375,000 | 1,222 |
| Total noninterest income | $1,319,000 | 1,820 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $729,000 | 1,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $590,000 | 1,990 |
| Total noninterest expense | $4,263,000 | 2,065 |
| Salaries and employee benefits | $1,613,000 | 2,931 |
| Premises and equipment expense | $503,000 | 2,452 |
| Additional noninterest expense | $2,147,000 | 1,262 |
| Pre-tax net operating income | $2,598,000 | 1,891 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $841,000 | 1,603 |
| Income before extraordinary items | $1,757,000 | 2,051 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,757,000 | 2,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,098 |
| Cash dividends | $626,000 | 2,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,757,000 | 2,043 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,329,000 | 2,165 |
| Total interest expense | $1,480,000 | 2,356 |
| Net interest income | $2,849,000 | 2,037 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $676,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $353,000 | 1,224 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $323,000 | 1,833 |
| Total noninterest expense | $2,133,000 | 2,072 |
| Salaries and employee benefits | $800,000 | 2,968 |
| Premises and equipment expense | $270,000 | 2,304 |
| Additional noninterest expense | $1,063,000 | 1,251 |
| Pre-tax net operating income | $1,242,000 | 1,913 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $383,000 | 1,714 |
| Income before extraordinary items | $859,000 | 2,059 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $859,000 | 2,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,247 |
| Cash dividends | $313,000 | 1,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $859,000 | 2,038 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,880,000 | 2,230 |
| Total interest expense | $4,664,000 | 2,352 |
| Net interest income | $10,216,000 | 2,168 |
| Provision for loan and lease losses | $345,000 | 2,552 |
| Total noninterest income | $2,604,000 | 1,815 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,517,000 | 1,173 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,087,000 | 2,093 |
| Total noninterest expense | $8,289,000 | 2,018 |
| Salaries and employee benefits | $3,546,000 | 2,569 |
| Premises and equipment expense | $999,000 | 2,362 |
| Additional noninterest expense | $3,744,000 | 1,362 |
| Pre-tax net operating income | $4,186,000 | 2,150 |
| Securities gains (losses) | $3,000 | 1,899 |
| Applicable income taxes | $1,406,000 | 1,789 |
| Income before extraordinary items | $2,783,000 | 2,385 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,783,000 | 2,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $381,000 | 1,459 |
| Cash dividends | $1,187,000 | 2,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,781,020 | 2,358 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,772,000 | 2,251 |
| Total interest expense | $3,309,000 | 2,355 |
| Net interest income | $7,463,000 | 2,204 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,937,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,123,000 | 1,178 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $814,000 | 2,098 |
| Total noninterest expense | $6,112,000 | 2,026 |
| Salaries and employee benefits | $2,623,000 | 2,557 |
| Premises and equipment expense | $725,000 | 2,433 |
| Additional noninterest expense | $2,764,000 | 1,371 |
| Pre-tax net operating income | $3,063,000 | 2,194 |
| Securities gains (losses) | $3,000 | 1,906 |
| Applicable income taxes | $1,023,000 | 1,845 |
| Income before extraordinary items | $2,043,000 | 2,445 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,043,000 | 2,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 1,795 |
| Cash dividends | $889,000 | 1,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,040,990 | 2,417 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,870,000 | 2,302 |
| Total interest expense | $2,033,000 | 2,402 |
| Net interest income | $4,837,000 | 2,235 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $1,267,000 | 1,848 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $722,000 | 1,180 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $545,000 | 2,062 |
| Total noninterest expense | $3,981,000 | 2,061 |
| Salaries and employee benefits | $1,696,000 | 2,614 |
| Premises and equipment expense | $483,000 | 2,410 |
| Additional noninterest expense | $1,802,000 | 1,380 |
| Pre-tax net operating income | $1,973,000 | 2,214 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $655,000 | 1,880 |
| Income before extraordinary items | $1,321,000 | 2,451 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,321,000 | 2,451 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,884 |
| Cash dividends | $593,000 | 1,981 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,318,990 | 2,427 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,243,000 | 2,376 |
| Total interest expense | $931,000 | 2,477 |
| Net interest income | $2,312,000 | 2,325 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $630,000 | 1,808 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $346,000 | 1,187 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $284,000 | 1,959 |
| Total noninterest expense | $1,957,000 | 2,111 |
| Salaries and employee benefits | $816,000 | 2,734 |
| Premises and equipment expense | $254,000 | 2,321 |
| Additional noninterest expense | $887,000 | 1,403 |
| Pre-tax net operating income | $910,000 | 2,335 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $298,000 | 1,984 |
| Income before extraordinary items | $612,000 | 2,567 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $612,000 | 2,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,325 |
| Cash dividends | $296,000 | 1,805 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $612,000 | 2,530 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,985,000 | 2,395 |
| Total interest expense | $3,607,000 | 2,246 |
| Net interest income | $8,378,000 | 2,440 |
| Provision for loan and lease losses | $275,000 | 3,079 |
| Total noninterest income | $3,785,000 | 1,339 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,471,000 | 1,217 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,314,000 | 1,200 |
| Total noninterest expense | $8,914,000 | 1,814 |
| Salaries and employee benefits | $4,437,000 | 1,963 |
| Premises and equipment expense | $992,000 | 2,307 |
| Additional noninterest expense | $3,485,000 | 1,426 |
| Pre-tax net operating income | $2,974,000 | 2,611 |
| Securities gains (losses) | $99,000 | 1,248 |
| Applicable income taxes | $964,000 | 2,218 |
| Income before extraordinary items | $2,109,000 | 2,785 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,109,000 | 2,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $327,000 | 1,870 |
| Cash dividends | $1,051,000 | 2,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,040,690 | 2,798 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,854,000 | 2,399 |
| Total interest expense | $2,730,000 | 2,183 |
| Net interest income | $6,124,000 | 2,467 |
| Provision for loan and lease losses | $200,000 | 2,980 |
| Total noninterest income | $3,094,000 | 1,273 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,117,000 | 1,199 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,977,000 | 1,095 |
| Total noninterest expense | $6,934,000 | 1,742 |
| Salaries and employee benefits | $3,567,000 | 1,829 |
| Premises and equipment expense | $738,000 | 2,324 |
| Additional noninterest expense | $2,629,000 | 1,404 |
| Pre-tax net operating income | $2,084,000 | 2,777 |
| Securities gains (losses) | $99,000 | 1,176 |
| Applicable income taxes | $672,000 | 2,386 |
| Income before extraordinary items | $1,511,000 | 2,935 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,511,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 1,697 |
| Cash dividends | $774,000 | 2,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,442,690 | 2,981 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,831,000 | 2,407 |
| Total interest expense | $1,842,000 | 2,142 |
| Net interest income | $3,989,000 | 2,491 |
| Provision for loan and lease losses | $125,000 | 3,031 |
| Total noninterest income | $2,142,000 | 1,223 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $747,000 | 1,184 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,395,000 | 1,041 |
| Total noninterest expense | $4,842,000 | 1,667 |
| Salaries and employee benefits | $2,581,000 | 1,703 |
| Premises and equipment expense | $492,000 | 2,326 |
| Additional noninterest expense | $1,769,000 | 1,374 |
| Pre-tax net operating income | $1,164,000 | 3,187 |
| Securities gains (losses) | $99,000 | 1,032 |
| Applicable income taxes | $394,000 | 2,596 |
| Income before extraordinary items | $869,000 | 3,304 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $869,000 | 3,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 2,118 |
| Cash dividends | $516,000 | 2,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $800,690 | 3,440 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,889,000 | 2,435 |
| Total interest expense | $946,000 | 2,111 |
| Net interest income | $1,943,000 | 2,549 |
| Provision for loan and lease losses | $50,000 | 3,283 |
| Total noninterest income | $974,000 | 1,279 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $364,000 | 1,167 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $610,000 | 1,125 |
| Total noninterest expense | $2,593,000 | 1,569 |
| Salaries and employee benefits | $1,512,000 | 1,464 |
| Premises and equipment expense | $235,000 | 2,433 |
| Additional noninterest expense | $846,000 | 1,426 |
| Pre-tax net operating income | $274,000 | 5,043 |
| Securities gains (losses) | $75,000 | 956 |
| Applicable income taxes | $115,000 | 3,550 |
| Income before extraordinary items | $234,000 | 4,933 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $234,000 | 4,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $105,000 | 1,270 |
| Cash dividends | $258,000 | 1,892 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $183,750 | 5,429 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,233,000 | 2,348 |
| Total interest expense | $4,584,000 | 1,947 |
| Net interest income | $7,649,000 | 2,522 |
| Provision for loan and lease losses | $775,000 | 1,504 |
| Total noninterest income | $9,159,000 | 701 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,479,000 | 1,171 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $7,680,000 | 550 |
| Total noninterest expense | $10,234,000 | 1,557 |
| Salaries and employee benefits | $5,187,000 | 1,660 |
| Premises and equipment expense | $949,000 | 2,371 |
| Additional noninterest expense | $4,098,000 | 1,211 |
| Pre-tax net operating income | $5,799,000 | 1,425 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $2,112,000 | 1,238 |
| Income before extraordinary items | $3,688,000 | 1,683 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,688,000 | 1,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $469,000 | 1,685 |
| Cash dividends | $994,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,687,360 | 1,601 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,244,000 | 2,373 |
| Total interest expense | $3,479,000 | 2,004 |
| Net interest income | $5,765,000 | 2,522 |
| Provision for loan and lease losses | $775,000 | 1,118 |
| Total noninterest income | $8,332,000 | 633 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,077,000 | 1,215 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,255,000 | 490 |
| Total noninterest expense | $7,585,000 | 1,587 |
| Salaries and employee benefits | $3,884,000 | 1,674 |
| Premises and equipment expense | $712,000 | 2,371 |
| Additional noninterest expense | $2,989,000 | 1,256 |
| Pre-tax net operating income | $5,737,000 | 1,128 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $2,098,000 | 1,026 |
| Income before extraordinary items | $3,640,000 | 1,372 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,640,000 | 1,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,148 |
| Cash dividends | $737,000 | 2,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,639,360 | 1,291 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,133,000 | 2,390 |
| Total interest expense | $2,311,000 | 2,080 |
| Net interest income | $3,822,000 | 2,550 |
| Provision for loan and lease losses | $325,000 | 1,685 |
| Total noninterest income | $5,521,000 | 623 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $717,000 | 1,198 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,804,000 | 487 |
| Total noninterest expense | $4,872,000 | 1,650 |
| Salaries and employee benefits | $2,453,000 | 1,756 |
| Premises and equipment expense | $474,000 | 2,365 |
| Additional noninterest expense | $1,945,000 | 1,277 |
| Pre-tax net operating income | $4,146,000 | 1,043 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $1,514,000 | 983 |
| Income before extraordinary items | $2,633,000 | 1,256 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,633,000 | 1,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 2,803 |
| Cash dividends | $491,000 | 2,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,632,360 | 1,174 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,118,000 | 2,359 |
| Total interest expense | $1,147,000 | 2,132 |
| Net interest income | $1,971,000 | 2,466 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $2,437,000 | 680 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $362,000 | 1,141 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,075,000 | 530 |
| Total noninterest expense | $2,383,000 | 1,676 |
| Salaries and employee benefits | $1,179,000 | 1,808 |
| Premises and equipment expense | $246,000 | 2,277 |
| Additional noninterest expense | $958,000 | 1,275 |
| Pre-tax net operating income | $1,950,000 | 1,110 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $707,000 | 1,050 |
| Income before extraordinary items | $1,243,000 | 1,327 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,243,000 | 1,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,279 |
| Cash dividends | $245,000 | 2,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,243,000 | 1,240 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,764,000 | 2,425 |
| Total interest expense | $4,734,000 | 2,357 |
| Net interest income | $8,030,000 | 2,390 |
| Provision for loan and lease losses | $550,000 | 2,218 |
| Total noninterest income | $5,681,000 | 934 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,370,000 | 1,174 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $4,311,000 | 773 |
| Total noninterest expense | $7,868,000 | 1,915 |
| Salaries and employee benefits | $3,699,000 | 2,162 |
| Premises and equipment expense | $723,000 | 2,923 |
| Additional noninterest expense | $3,446,000 | 1,378 |
| Pre-tax net operating income | $5,293,000 | 1,551 |
| Securities gains (losses) | $18,000 | 3,224 |
| Applicable income taxes | $1,893,000 | 1,344 |
| Income before extraordinary items | $3,418,000 | 1,752 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,418,000 | 1,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,218 |
| Cash dividends | $778,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,406,480 | 1,702 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,400,000 | 2,555 |
| Total interest expense | $6,462,000 | 2,482 |
| Net interest income | $6,938,000 | 2,583 |
| Provision for loan and lease losses | $621,000 | 1,844 |
| Total noninterest income | $4,515,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,141,000 | 1,311 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $3,374,000 | 868 |
| Total noninterest expense | $6,808,000 | 2,108 |
| Salaries and employee benefits | $3,188,000 | 2,358 |
| Premises and equipment expense | $593,000 | 3,391 |
| Additional noninterest expense | $3,027,000 | 1,534 |
| Pre-tax net operating income | $4,024,000 | 1,771 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,378,000 | 1,623 |
| Income before extraordinary items | $2,646,000 | 1,979 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,646,000 | 1,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $590,000 | 1,389 |
| Cash dividends | $570,000 | 3,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,646,000 | 1,903 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,186,000 | 2,639 |
| Total interest expense | $6,150,000 | 2,715 |
| Net interest income | $7,036,000 | 2,531 |
| Provision for loan and lease losses | $403,000 | 2,260 |
| Total noninterest income | $2,346,000 | 1,665 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $681,000 | 2,040 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,665,000 | 1,274 |
| Total noninterest expense | $5,683,000 | 2,408 |
| Salaries and employee benefits | $2,463,000 | 2,864 |
| Premises and equipment expense | $527,000 | 3,636 |
| Additional noninterest expense | $2,693,000 | 1,652 |
| Pre-tax net operating income | $3,296,000 | 2,188 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,114,000 | 1,940 |
| Income before extraordinary items | $2,182,000 | 2,342 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,182,000 | 2,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,169 |
| Cash dividends | $436,000 | 3,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,182,000 | 2,358 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,547,000 | 3,064 |
| Total interest expense | $4,485,000 | 3,247 |
| Net interest income | $6,062,000 | 2,906 |
| Provision for loan and lease losses | $204,000 | 3,511 |
| Total noninterest income | $1,541,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $484,000 | 2,709 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,057,000 | 1,792 |
| Total noninterest expense | $4,766,000 | 2,832 |
| Salaries and employee benefits | $2,020,000 | 3,410 |
| Premises and equipment expense | $484,000 | 3,878 |
| Additional noninterest expense | $2,262,000 | 1,923 |
| Pre-tax net operating income | $2,633,000 | 2,688 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $916,000 | 2,351 |
| Income before extraordinary items | $1,717,000 | 2,916 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,717,000 | 2,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 3,910 |
| Cash dividends | $398,000 | 3,998 |
| Sale, conversion, retirement of capital stock, net | $1,000,000 | 507 |
| Net operating income | $1,717,000 | 2,887 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,524,000 | 3,371 |
| Total interest expense | $4,367,000 | 3,403 |
| Net interest income | $5,157,000 | 3,288 |
| Provision for loan and lease losses | $101,000 | 5,074 |
| Total noninterest income | $1,188,000 | 2,715 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $357,000 | 3,453 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $831,000 | 2,108 |
| Total noninterest expense | $3,828,000 | 3,353 |
| Salaries and employee benefits | $2,013,000 | 3,310 |
| Premises and equipment expense | $493,000 | 3,754 |
| Additional noninterest expense | $1,322,000 | 3,090 |
| Pre-tax net operating income | $2,416,000 | 2,866 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $822,000 | 2,680 |
| Income before extraordinary items | $1,594,000 | 3,101 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,594,000 | 3,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,872 |
| Cash dividends | $299,000 | 4,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,594,000 | 3,008 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,639,000 | 3,708 |
| Total interest expense | $4,054,000 | 3,630 |
| Net interest income | $4,585,000 | 3,769 |
| Provision for loan and lease losses | $324,000 | 2,453 |
| Total noninterest income | $758,000 | 3,732 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $314,000 | 3,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $444,000 | 3,071 |
| Total noninterest expense | $3,086,000 | 4,009 |
| Salaries and employee benefits | $1,753,000 | 3,728 |
| Premises and equipment expense | $457,000 | 3,995 |
| Additional noninterest expense | $876,000 | 4,411 |
| Pre-tax net operating income | $1,933,000 | 3,660 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $642,000 | 3,485 |
| Income before extraordinary items | $1,294,000 | 3,813 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,294,000 | 3,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,887 |
| Cash dividends | $203,000 | 5,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,291,990 | 3,747 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,158,000 | 4,485 |
| Total interest expense | $3,132,000 | 4,599 |
| Net interest income | $4,026,000 | 4,297 |
| Provision for loan and lease losses | $260,000 | 2,872 |
| Total noninterest income | $588,000 | 4,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $289,000 | 4,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $299,000 | 4,082 |
| Total noninterest expense | $2,750,000 | 4,631 |
| Salaries and employee benefits | $1,597,000 | 4,076 |
| Premises and equipment expense | $395,000 | 4,577 |
| Additional noninterest expense | $758,000 | 5,412 |
| Pre-tax net operating income | $1,604,000 | 4,115 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $537,000 | 3,920 |
| Income before extraordinary items | $1,065,000 | 4,254 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,065,000 | 4,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,960 |
| Cash dividends | $180,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,066,320 | 4,197 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,577,000 | 4,807 |
| Total interest expense | $3,008,000 | 4,744 |
| Net interest income | $3,569,000 | 4,778 |
| Provision for loan and lease losses | $108,000 | 4,448 |
| Total noninterest income | $520,000 | 5,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $255,000 | 4,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,328 |
| Total noninterest expense | $2,696,000 | 4,679 |
| Salaries and employee benefits | $1,451,000 | 4,417 |
| Premises and equipment expense | $415,000 | 4,383 |
| Additional noninterest expense | $830,000 | 5,108 |
| Pre-tax net operating income | $1,285,000 | 5,008 |
| Securities gains (losses) | $-17,000 | 10,458 |
| Applicable income taxes | $411,000 | 4,855 |
| Income before extraordinary items | $857,000 | 5,179 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $857,000 | 5,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,862 |
| Cash dividends | $143,000 | 6,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $868,560 | 5,114 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,221,000 | 5,467 |
| Total interest expense | $2,091,000 | 5,414 |
| Net interest income | $3,130,000 | 5,434 |
| Provision for loan and lease losses | $95,000 | 4,682 |
| Total noninterest income | $438,000 | 5,789 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $211,000 | 5,651 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $227,000 | 4,856 |
| Total noninterest expense | $2,422,000 | 5,298 |
| Salaries and employee benefits | $1,292,000 | 4,909 |
| Premises and equipment expense | $370,000 | 4,890 |
| Additional noninterest expense | $760,000 | 5,939 |
| Pre-tax net operating income | $1,051,000 | 5,748 |
| Securities gains (losses) | $-50,000 | 11,027 |
| Applicable income taxes | $325,000 | 5,574 |
| Income before extraordinary items | $676,000 | 6,048 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $676,000 | 6,062 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,205 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $710,000 | 5,913 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,685,000 | 6,104 |
| Total interest expense | $1,940,000 | 5,986 |
| Net interest income | $2,745,000 | 6,078 |
| Provision for loan and lease losses | $153,000 | 4,591 |
| Total noninterest income | $279,000 | 7,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $120,000 | 7,302 |
| Total noninterest expense | $2,139,000 | 6,006 |
| Salaries and employee benefits | $1,118,000 | 5,560 |
| Premises and equipment expense | $303,000 | 5,803 |
| Additional noninterest expense | $718,000 | 6,432 |
| Pre-tax net operating income | $732,000 | 7,193 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $249,000 | 6,818 |
| Income before extraordinary items | $483,000 | 7,691 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $483,000 | 7,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,874 |
| Cash dividends | $40,000 | 8,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $483,000 | 7,435 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,513,000 | 6,879 |
| Total interest expense | $2,186,000 | 6,650 |
| Net interest income | $2,327,000 | 6,946 |
| Provision for loan and lease losses | $281,000 | 4,300 |
| Total noninterest income | $202,000 | 9,377 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 7,791 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 9,018 |
| Total noninterest expense | $1,641,000 | 7,429 |
| Salaries and employee benefits | $860,000 | 6,871 |
| Premises and equipment expense | $207,000 | 7,676 |
| Additional noninterest expense | $574,000 | 7,740 |
| Pre-tax net operating income | $607,000 | 7,660 |
| Securities gains (losses) | $4,000 | 7,235 |
| Applicable income taxes | $204,000 | 7,478 |
| Income before extraordinary items | $407,000 | 8,143 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $407,000 | 8,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 3,859 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $404,320 | 7,815 |
* 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.