Home > The Savannah Bank > Income and Expense
The Savannah Bank, Income and Expense
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $22,101,000 | 905 |
| Total interest expense | $3,191,000 | 1,105 |
| Net interest income | $18,910,000 | 857 |
| Provision for loan and lease losses | $8,730,000 | 247 |
| Total noninterest income | $445,000 | 4,235 |
| Gross Fiduciary activities income | $536,000 | 527 |
| Service charges on deposit accounts | $668,000 | 1,576 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-759,000 | 7,113 |
| Total noninterest expense | $12,861,000 | 1,174 |
| Salaries and employee benefits | $3,976,000 | 1,893 |
| Premises and equipment expense | $1,526,000 | 1,169 |
| Additional noninterest expense | $7,359,000 | 714 |
| Pre-tax net operating income | $-2,236,000 | 6,991 |
| Securities gains (losses) | $21,000 | 2,854 |
| Applicable income taxes | $6,880,000 | 300 |
| Income before extraordinary items | $-9,095,000 | 7,138 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-9,095,000 | 7,138 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-9,095,000 | 7,138 |
| Net charge-offs | $10,199,000 | 258 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-9,116,000 | 7,135 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $15,044,000 | 888 |
| Total interest expense | $2,242,000 | 1,091 |
| Net interest income | $12,802,000 | 848 |
| Provision for loan and lease losses | $5,255,000 | 282 |
| Total noninterest income | $566,000 | 3,023 |
| Gross Fiduciary activities income | $348,000 | 538 |
| Service charges on deposit accounts | $455,000 | 1,537 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-237,000 | 7,092 |
| Total noninterest expense | $7,916,000 | 1,263 |
| Salaries and employee benefits | $2,671,000 | 1,879 |
| Premises and equipment expense | $1,006,000 | 1,178 |
| Additional noninterest expense | $4,239,000 | 823 |
| Pre-tax net operating income | $197,000 | 5,323 |
| Securities gains (losses) | $23,000 | 2,438 |
| Applicable income taxes | $-10,000 | 6,835 |
| Income before extraordinary items | $230,000 | 5,161 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $230,000 | 5,161 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $230,000 | 5,161 |
| Net charge-offs | $5,763,000 | 302 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $207,000 | 5,095 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $7,616,000 | 880 |
| Total interest expense | $1,206,000 | 1,056 |
| Net interest income | $6,410,000 | 852 |
| Provision for loan and lease losses | $3,205,000 | 237 |
| Total noninterest income | $60,000 | 5,640 |
| Gross Fiduciary activities income | $168,000 | 551 |
| Service charges on deposit accounts | $226,000 | 1,534 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-334,000 | 7,253 |
| Total noninterest expense | $3,841,000 | 1,292 |
| Salaries and employee benefits | $1,344,000 | 1,867 |
| Premises and equipment expense | $497,000 | 1,207 |
| Additional noninterest expense | $2,000,000 | 848 |
| Pre-tax net operating income | $-576,000 | 7,076 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-265,000 | 7,225 |
| Income before extraordinary items | $-311,000 | 6,991 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-311,000 | 6,991 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-311,000 | 6,991 |
| Net charge-offs | $4,018,000 | 227 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-311,000 | 6,962 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $33,243,000 | 829 |
| Total interest expense | $6,346,000 | 956 |
| Net interest income | $26,897,000 | 812 |
| Provision for loan and lease losses | $11,005,000 | 385 |
| Total noninterest income | $982,000 | 3,147 |
| Gross Fiduciary activities income | $653,000 | 508 |
| Service charges on deposit accounts | $945,000 | 1,542 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-616,000 | 7,123 |
| Total noninterest expense | $15,731,000 | 1,253 |
| Salaries and employee benefits | $5,358,000 | 1,820 |
| Premises and equipment expense | $2,128,000 | 1,177 |
| Additional noninterest expense | $8,245,000 | 867 |
| Pre-tax net operating income | $1,143,000 | 3,474 |
| Securities gains (losses) | $600,000 | 691 |
| Applicable income taxes | $465,000 | 2,101 |
| Income before extraordinary items | $1,278,000 | 3,095 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,278,000 | 3,098 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,278,000 | 3,098 |
| Net charge-offs | $10,342,000 | 440 |
| Cash dividends | $800,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $840,000 | 3,743 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $25,332,000 | 836 |
| Total interest expense | $5,013,000 | 950 |
| Net interest income | $20,319,000 | 813 |
| Provision for loan and lease losses | $7,155,000 | 437 |
| Total noninterest income | $713,000 | 3,222 |
| Gross Fiduciary activities income | $492,000 | 504 |
| Service charges on deposit accounts | $701,000 | 1,566 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $-480,000 | 7,234 |
| Total noninterest expense | $11,765,000 | 1,260 |
| Salaries and employee benefits | $4,083,000 | 1,794 |
| Premises and equipment expense | $1,595,000 | 1,184 |
| Additional noninterest expense | $6,087,000 | 877 |
| Pre-tax net operating income | $2,112,000 | 1,999 |
| Securities gains (losses) | $600,000 | 563 |
| Applicable income taxes | $675,000 | 1,454 |
| Income before extraordinary items | $2,037,000 | 1,809 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,037,000 | 1,809 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $2,037,000 | 1,809 |
| Net charge-offs | $7,000,000 | 470 |
| Cash dividends | $800,000 | 1,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $1,587,000 | 2,124 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $17,022,000 | 848 |
| Total interest expense | $3,521,000 | 930 |
| Net interest income | $13,501,000 | 823 |
| Provision for loan and lease losses | $5,300,000 | 410 |
| Total noninterest income | $576,000 | 2,872 |
| Gross Fiduciary activities income | $336,000 | 497 |
| Service charges on deposit accounts | $457,000 | 1,576 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-217,000 | 7,286 |
| Total noninterest expense | $7,931,000 | 1,259 |
| Salaries and employee benefits | $2,730,000 | 1,795 |
| Premises and equipment expense | $1,073,000 | 1,197 |
| Additional noninterest expense | $4,128,000 | 880 |
| Pre-tax net operating income | $846,000 | 2,822 |
| Securities gains (losses) | $394,000 | 437 |
| Applicable income taxes | $300,000 | 1,797 |
| Income before extraordinary items | $940,000 | 2,390 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $940,000 | 2,390 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $940,000 | 2,390 |
| Net charge-offs | $4,901,000 | 470 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $640,560 | 2,980 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $8,482,000 | 854 |
| Total interest expense | $1,882,000 | 902 |
| Net interest income | $6,600,000 | 844 |
| Provision for loan and lease losses | $3,050,000 | 361 |
| Total noninterest income | $513,000 | 1,947 |
| Gross Fiduciary activities income | $165,000 | 504 |
| Service charges on deposit accounts | $234,000 | 1,530 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $114,000 | 3,346 |
| Total noninterest expense | $3,960,000 | 1,259 |
| Salaries and employee benefits | $1,382,000 | 1,790 |
| Premises and equipment expense | $513,000 | 1,275 |
| Additional noninterest expense | $2,065,000 | 867 |
| Pre-tax net operating income | $103,000 | 5,104 |
| Securities gains (losses) | $157,000 | 404 |
| Applicable income taxes | $10,000 | 3,778 |
| Income before extraordinary items | $250,000 | 3,587 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $250,000 | 3,585 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $250,000 | 3,585 |
| Net charge-offs | $1,767,000 | 586 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $99,280 | 4,958 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $34,892,000 | 870 |
| Total interest expense | $10,105,000 | 801 |
| Net interest income | $24,787,000 | 889 |
| Provision for loan and lease losses | $11,765,000 | 583 |
| Total noninterest income | $1,746,000 | 2,284 |
| Gross Fiduciary activities income | $660,000 | 493 |
| Service charges on deposit accounts | $1,075,000 | 1,414 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $11,000 | 6,772 |
| Total noninterest expense | $16,592,000 | 1,216 |
| Salaries and employee benefits | $5,752,000 | 1,692 |
| Premises and equipment expense | $2,270,000 | 1,146 |
| Additional noninterest expense | $8,570,000 | 862 |
| Pre-tax net operating income | $-1,824,000 | 6,730 |
| Securities gains (losses) | $553,000 | 813 |
| Applicable income taxes | $-760,000 | 7,261 |
| Income before extraordinary items | $-511,000 | 6,375 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-511,000 | 6,376 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-511,000 | 6,376 |
| Net charge-offs | $10,474,000 | 590 |
| Cash dividends | $400,000 | 2,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-864,920 | 6,492 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $26,056,000 | 885 |
| Total interest expense | $7,931,000 | 794 |
| Net interest income | $18,125,000 | 917 |
| Provision for loan and lease losses | $9,230,000 | 528 |
| Total noninterest income | $1,425,000 | 2,165 |
| Gross Fiduciary activities income | $495,000 | 489 |
| Service charges on deposit accounts | $810,000 | 1,448 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $120,000 | 4,972 |
| Total noninterest expense | $12,475,000 | 1,202 |
| Salaries and employee benefits | $4,378,000 | 1,671 |
| Premises and equipment expense | $1,649,000 | 1,189 |
| Additional noninterest expense | $6,448,000 | 842 |
| Pre-tax net operating income | $-2,155,000 | 7,094 |
| Securities gains (losses) | $535,000 | 691 |
| Applicable income taxes | $-995,000 | 7,495 |
| Income before extraordinary items | $-625,000 | 6,737 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-625,000 | 6,738 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-625,000 | 6,738 |
| Net charge-offs | $8,386,000 | 523 |
| Cash dividends | $400,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-967,400 | 6,842 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $17,371,000 | 894 |
| Total interest expense | $5,118,000 | 868 |
| Net interest income | $12,253,000 | 900 |
| Provision for loan and lease losses | $6,230,000 | 528 |
| Total noninterest income | $1,298,000 | 1,672 |
| Gross Fiduciary activities income | $336,000 | 489 |
| Service charges on deposit accounts | $547,000 | 1,433 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $415,000 | 2,362 |
| Total noninterest expense | $8,164,000 | 1,220 |
| Salaries and employee benefits | $2,914,000 | 1,698 |
| Premises and equipment expense | $988,000 | 1,342 |
| Additional noninterest expense | $4,262,000 | 843 |
| Pre-tax net operating income | $-843,000 | 6,926 |
| Securities gains (losses) | $553,000 | 435 |
| Applicable income taxes | $-295,000 | 7,394 |
| Income before extraordinary items | $5,000 | 6,157 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $5,000 | 6,159 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $5,000 | 6,158 |
| Net charge-offs | $6,053,000 | 498 |
| Cash dividends | $400,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-348,920 | 6,694 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $8,833,000 | 892 |
| Total interest expense | $2,619,000 | 894 |
| Net interest income | $6,214,000 | 901 |
| Provision for loan and lease losses | $3,910,000 | 457 |
| Total noninterest income | $715,000 | 1,577 |
| Gross Fiduciary activities income | $158,000 | 520 |
| Service charges on deposit accounts | $270,000 | 1,450 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $287,000 | 1,891 |
| Total noninterest expense | $3,963,000 | 1,262 |
| Salaries and employee benefits | $1,449,000 | 1,730 |
| Premises and equipment expense | $489,000 | 1,393 |
| Additional noninterest expense | $2,025,000 | 884 |
| Pre-tax net operating income | $-944,000 | 7,397 |
| Securities gains (losses) | $430,000 | 287 |
| Applicable income taxes | $-300,000 | 7,629 |
| Income before extraordinary items | $-214,000 | 6,949 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-214,000 | 6,950 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-214,000 | 6,949 |
| Net charge-offs | $3,138,000 | 472 |
| Cash dividends | $400,000 | 835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-489,200 | 7,237 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $37,011,000 | 914 |
| Total interest expense | $12,947,000 | 913 |
| Net interest income | $24,064,000 | 895 |
| Provision for loan and lease losses | $8,580,000 | 980 |
| Total noninterest income | $1,558,000 | 2,501 |
| Gross Fiduciary activities income | $619,000 | 501 |
| Service charges on deposit accounts | $1,114,000 | 1,521 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-175,000 | 7,670 |
| Total noninterest expense | $16,441,000 | 1,264 |
| Salaries and employee benefits | $5,837,000 | 1,698 |
| Premises and equipment expense | $1,963,000 | 1,393 |
| Additional noninterest expense | $8,641,000 | 909 |
| Pre-tax net operating income | $601,000 | 3,770 |
| Securities gains (losses) | $1,543,000 | 336 |
| Applicable income taxes | $725,000 | 1,212 |
| Income before extraordinary items | $1,419,000 | 2,201 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,419,000 | 2,200 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,419,000 | 2,201 |
| Net charge-offs | $4,949,000 | 1,154 |
| Cash dividends | $1,950,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $400,620 | 4,112 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $27,831,000 | 929 |
| Total interest expense | $10,046,000 | 928 |
| Net interest income | $17,785,000 | 916 |
| Provision for loan and lease losses | $7,170,000 | 802 |
| Total noninterest income | $1,411,000 | 2,264 |
| Gross Fiduciary activities income | $461,000 | 497 |
| Service charges on deposit accounts | $830,000 | 1,537 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $120,000 | 5,129 |
| Total noninterest expense | $12,416,000 | 1,241 |
| Salaries and employee benefits | $4,431,000 | 1,703 |
| Premises and equipment expense | $1,387,000 | 1,477 |
| Additional noninterest expense | $6,598,000 | 854 |
| Pre-tax net operating income | $-390,000 | 6,230 |
| Securities gains (losses) | $651,000 | 562 |
| Applicable income taxes | $-15,000 | 6,685 |
| Income before extraordinary items | $276,000 | 4,527 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $276,000 | 4,526 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $276,000 | 4,528 |
| Net charge-offs | $4,011,000 | 974 |
| Cash dividends | $1,200,000 | 1,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-375,000 | 6,304 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $16,680,000 | 1,064 |
| Total interest expense | $5,795,000 | 1,132 |
| Net interest income | $10,885,000 | 998 |
| Provision for loan and lease losses | $3,145,000 | 1,054 |
| Total noninterest income | $629,000 | 2,948 |
| Gross Fiduciary activities income | $309,000 | 497 |
| Service charges on deposit accounts | $516,000 | 1,600 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-196,000 | 8,019 |
| Total noninterest expense | $6,704,000 | 1,553 |
| Salaries and employee benefits | $2,367,000 | 2,130 |
| Premises and equipment expense | $575,000 | 2,341 |
| Additional noninterest expense | $3,762,000 | 1,020 |
| Pre-tax net operating income | $1,665,000 | 1,374 |
| Securities gains (losses) | $183,000 | 1,064 |
| Applicable income taxes | $530,000 | 1,037 |
| Income before extraordinary items | $1,318,000 | 1,427 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,318,000 | 1,425 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,318,000 | 1,426 |
| Net charge-offs | $2,521,000 | 965 |
| Cash dividends | $1,100,000 | 816 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,188,070 | 1,540 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $8,287,000 | 1,074 |
| Total interest expense | $2,973,000 | 1,152 |
| Net interest income | $5,314,000 | 1,012 |
| Provision for loan and lease losses | $1,945,000 | 768 |
| Total noninterest income | $514,000 | 2,098 |
| Gross Fiduciary activities income | $155,000 | 501 |
| Service charges on deposit accounts | $270,000 | 1,508 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $89,000 | 3,833 |
| Total noninterest expense | $3,304,000 | 1,515 |
| Salaries and employee benefits | $1,240,000 | 2,062 |
| Premises and equipment expense | $305,000 | 2,267 |
| Additional noninterest expense | $1,759,000 | 952 |
| Pre-tax net operating income | $579,000 | 2,105 |
| Securities gains (losses) | $146,000 | 814 |
| Applicable income taxes | $195,000 | 1,489 |
| Income before extraordinary items | $530,000 | 2,023 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $530,000 | 2,024 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $530,000 | 2,024 |
| Net charge-offs | $917,000 | 1,005 |
| Cash dividends | $800,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $423,420 | 2,306 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $37,078,000 | 1,018 |
| Total interest expense | $15,471,000 | 1,038 |
| Net interest income | $21,607,000 | 991 |
| Provision for loan and lease losses | $2,500,000 | 1,564 |
| Total noninterest income | $2,807,000 | 1,660 |
| Gross Fiduciary activities income | $704,000 | 493 |
| Service charges on deposit accounts | $1,024,000 | 1,721 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,079,000 | 2,024 |
| Total noninterest expense | $12,947,000 | 1,507 |
| Salaries and employee benefits | $5,140,000 | 1,958 |
| Premises and equipment expense | $1,250,000 | 2,158 |
| Additional noninterest expense | $6,557,000 | 974 |
| Pre-tax net operating income | $8,967,000 | 616 |
| Securities gains (losses) | $91,000 | 1,201 |
| Applicable income taxes | $3,025,000 | 464 |
| Income before extraordinary items | $6,033,000 | 670 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,033,000 | 670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,266,000 | 1,193 |
| Cash dividends | $1,800,000 | 1,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $5,972,030 | 729 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $28,601,000 | 1,018 |
| Total interest expense | $12,083,000 | 1,042 |
| Net interest income | $16,518,000 | 990 |
| Provision for loan and lease losses | $2,045,000 | 1,169 |
| Total noninterest income | $1,763,000 | 1,959 |
| Gross Fiduciary activities income | $523,000 | 499 |
| Service charges on deposit accounts | $792,000 | 1,685 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $448,000 | 2,990 |
| Total noninterest expense | $9,716,000 | 1,501 |
| Salaries and employee benefits | $3,927,000 | 1,963 |
| Premises and equipment expense | $849,000 | 2,369 |
| Additional noninterest expense | $4,940,000 | 921 |
| Pre-tax net operating income | $6,520,000 | 774 |
| Securities gains (losses) | $91,000 | 1,035 |
| Applicable income taxes | $2,265,000 | 585 |
| Income before extraordinary items | $4,346,000 | 845 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,346,000 | 844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,934,000 | 844 |
| Cash dividends | $1,300,000 | 1,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $4,285,940 | 907 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $19,435,000 | 1,012 |
| Total interest expense | $8,321,000 | 1,047 |
| Net interest income | $11,114,000 | 968 |
| Provision for loan and lease losses | $1,490,000 | 954 |
| Total noninterest income | $1,161,000 | 1,990 |
| Gross Fiduciary activities income | $350,000 | 508 |
| Service charges on deposit accounts | $507,000 | 1,740 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $304,000 | 2,995 |
| Total noninterest expense | $6,413,000 | 1,510 |
| Salaries and employee benefits | $2,531,000 | 2,046 |
| Premises and equipment expense | $554,000 | 2,410 |
| Additional noninterest expense | $3,328,000 | 895 |
| Pre-tax net operating income | $4,372,000 | 815 |
| Securities gains (losses) | $91,000 | 1,051 |
| Applicable income taxes | $1,515,000 | 652 |
| Income before extraordinary items | $2,948,000 | 932 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,948,000 | 932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,151,000 | 788 |
| Cash dividends | $800,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,887,940 | 933 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,941,000 | 1,008 |
| Total interest expense | $4,532,000 | 1,025 |
| Net interest income | $5,409,000 | 994 |
| Provision for loan and lease losses | $645,000 | 858 |
| Total noninterest income | $546,000 | 2,101 |
| Gross Fiduciary activities income | $172,000 | 524 |
| Service charges on deposit accounts | $216,000 | 1,945 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $158,000 | 2,952 |
| Total noninterest expense | $3,233,000 | 1,485 |
| Salaries and employee benefits | $1,255,000 | 2,086 |
| Premises and equipment expense | $273,000 | 2,466 |
| Additional noninterest expense | $1,705,000 | 841 |
| Pre-tax net operating income | $2,077,000 | 906 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $710,000 | 765 |
| Income before extraordinary items | $1,367,000 | 1,106 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,367,000 | 1,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $950,000 | 477 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,367,000 | 1,065 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $42,267,000 | 998 |
| Total interest expense | $20,148,000 | 978 |
| Net interest income | $22,119,000 | 1,001 |
| Provision for loan and lease losses | $2,485,000 | 703 |
| Total noninterest income | $2,256,000 | 2,039 |
| Gross Fiduciary activities income | $763,000 | 490 |
| Service charges on deposit accounts | $773,000 | 2,202 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $720,000 | 2,714 |
| Total noninterest expense | $11,760,000 | 1,564 |
| Salaries and employee benefits | $4,676,000 | 2,153 |
| Premises and equipment expense | $1,108,000 | 2,339 |
| Additional noninterest expense | $5,976,000 | 942 |
| Pre-tax net operating income | $10,130,000 | 837 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,515,000 | 711 |
| Income before extraordinary items | $6,615,000 | 989 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,615,000 | 987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $556,000 | 1,567 |
| Cash dividends | $4,900,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,615,000 | 973 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $31,751,000 | 1,002 |
| Total interest expense | $15,030,000 | 983 |
| Net interest income | $16,721,000 | 992 |
| Provision for loan and lease losses | $985,000 | 917 |
| Total noninterest income | $1,734,000 | 2,003 |
| Gross Fiduciary activities income | $559,000 | 495 |
| Service charges on deposit accounts | $583,000 | 2,168 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $592,000 | 2,580 |
| Total noninterest expense | $8,673,000 | 1,574 |
| Salaries and employee benefits | $3,528,000 | 2,141 |
| Premises and equipment expense | $822,000 | 2,349 |
| Additional noninterest expense | $4,323,000 | 947 |
| Pre-tax net operating income | $8,797,000 | 788 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,075,000 | 683 |
| Income before extraordinary items | $5,722,000 | 905 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,722,000 | 903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $549,000 | 1,003 |
| Cash dividends | $3,700,000 | 732 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,722,000 | 890 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $21,005,000 | 1,019 |
| Total interest expense | $9,820,000 | 1,012 |
| Net interest income | $11,185,000 | 1,004 |
| Provision for loan and lease losses | $545,000 | 957 |
| Total noninterest income | $1,149,000 | 2,026 |
| Gross Fiduciary activities income | $365,000 | 508 |
| Service charges on deposit accounts | $379,000 | 2,211 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $405,000 | 2,554 |
| Total noninterest expense | $5,804,000 | 1,591 |
| Salaries and employee benefits | $2,336,000 | 2,195 |
| Premises and equipment expense | $550,000 | 2,352 |
| Additional noninterest expense | $2,918,000 | 944 |
| Pre-tax net operating income | $5,985,000 | 807 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,105,000 | 706 |
| Income before extraordinary items | $3,880,000 | 933 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,880,000 | 932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,009 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,880,000 | 919 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $10,373,000 | 1,025 |
| Total interest expense | $4,835,000 | 1,022 |
| Net interest income | $5,538,000 | 1,004 |
| Provision for loan and lease losses | $325,000 | 744 |
| Total noninterest income | $573,000 | 2,023 |
| Gross Fiduciary activities income | $176,000 | 518 |
| Service charges on deposit accounts | $187,000 | 2,167 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $210,000 | 2,471 |
| Total noninterest expense | $2,904,000 | 1,579 |
| Salaries and employee benefits | $1,151,000 | 2,231 |
| Premises and equipment expense | $270,000 | 2,411 |
| Additional noninterest expense | $1,483,000 | 922 |
| Pre-tax net operating income | $2,882,000 | 828 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,020,000 | 724 |
| Income before extraordinary items | $1,862,000 | 945 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,862,000 | 944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 678 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,862,000 | 932 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $38,850,000 | 1,012 |
| Total interest expense | $16,233,000 | 1,023 |
| Net interest income | $22,617,000 | 979 |
| Provision for loan and lease losses | $865,000 | 1,198 |
| Total noninterest income | $2,400,000 | 1,946 |
| Gross Fiduciary activities income | $658,000 | 518 |
| Service charges on deposit accounts | $869,000 | 1,976 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $873,000 | 2,445 |
| Total noninterest expense | $11,531,000 | 1,555 |
| Salaries and employee benefits | $4,759,000 | 2,056 |
| Premises and equipment expense | $1,885,000 | 1,369 |
| Additional noninterest expense | $4,887,000 | 1,096 |
| Pre-tax net operating income | $12,621,000 | 792 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,350,000 | 706 |
| Income before extraordinary items | $8,271,000 | 913 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,271,000 | 913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $432,000 | 1,296 |
| Cash dividends | $2,600,000 | 1,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $8,271,000 | 899 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $28,578,000 | 1,036 |
| Total interest expense | $11,572,000 | 1,053 |
| Net interest income | $17,006,000 | 1,000 |
| Provision for loan and lease losses | $540,000 | 1,310 |
| Total noninterest income | $1,794,000 | 1,958 |
| Gross Fiduciary activities income | $488,000 | 523 |
| Service charges on deposit accounts | $642,000 | 1,999 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $664,000 | 2,397 |
| Total noninterest expense | $8,706,000 | 1,545 |
| Salaries and employee benefits | $3,642,000 | 1,998 |
| Premises and equipment expense | $858,000 | 2,179 |
| Additional noninterest expense | $4,206,000 | 947 |
| Pre-tax net operating income | $9,554,000 | 807 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,350,000 | 725 |
| Income before extraordinary items | $6,204,000 | 942 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,204,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $329,000 | 1,084 |
| Cash dividends | $2,400,000 | 990 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,204,000 | 929 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $18,778,000 | 1,025 |
| Total interest expense | $7,340,000 | 1,039 |
| Net interest income | $11,438,000 | 986 |
| Provision for loan and lease losses | $320,000 | 1,389 |
| Total noninterest income | $1,225,000 | 1,920 |
| Gross Fiduciary activities income | $325,000 | 523 |
| Service charges on deposit accounts | $424,000 | 2,000 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $476,000 | 2,289 |
| Total noninterest expense | $5,935,000 | 1,509 |
| Salaries and employee benefits | $2,515,000 | 1,938 |
| Premises and equipment expense | $600,000 | 2,084 |
| Additional noninterest expense | $2,820,000 | 952 |
| Pre-tax net operating income | $6,408,000 | 811 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,290,000 | 719 |
| Income before extraordinary items | $4,118,000 | 940 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,118,000 | 941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,553 |
| Cash dividends | $1,300,000 | 1,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,118,000 | 918 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,282,000 | 1,009 |
| Total interest expense | $3,511,000 | 1,034 |
| Net interest income | $5,771,000 | 983 |
| Provision for loan and lease losses | $260,000 | 890 |
| Total noninterest income | $644,000 | 1,811 |
| Gross Fiduciary activities income | $159,000 | 540 |
| Service charges on deposit accounts | $215,000 | 1,922 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $270,000 | 2,094 |
| Total noninterest expense | $3,192,000 | 1,418 |
| Salaries and employee benefits | $1,388,000 | 1,771 |
| Premises and equipment expense | $343,000 | 1,838 |
| Additional noninterest expense | $1,461,000 | 908 |
| Pre-tax net operating income | $2,963,000 | 856 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,080,000 | 747 |
| Income before extraordinary items | $1,883,000 | 1,017 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,883,000 | 1,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $700,000 | 1,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,883,000 | 999 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $31,641,000 | 1,045 |
| Total interest expense | $11,205,000 | 997 |
| Net interest income | $20,436,000 | 1,051 |
| Provision for loan and lease losses | $1,200,000 | 871 |
| Total noninterest income | $3,104,000 | 1,563 |
| Gross Fiduciary activities income | $501,000 | 583 |
| Service charges on deposit accounts | $911,000 | 1,882 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,692,000 | 1,520 |
| Total noninterest expense | $12,041,000 | 1,430 |
| Salaries and employee benefits | $5,445,000 | 1,721 |
| Premises and equipment expense | $1,229,000 | 1,953 |
| Additional noninterest expense | $5,367,000 | 972 |
| Pre-tax net operating income | $10,299,000 | 955 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $3,625,000 | 838 |
| Income before extraordinary items | $6,674,000 | 1,084 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,674,000 | 1,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $250,000 | 4,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,674,000 | 1,067 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $22,780,000 | 1,054 |
| Total interest expense | $8,015,000 | 983 |
| Net interest income | $14,765,000 | 1,081 |
| Provision for loan and lease losses | $970,000 | 785 |
| Total noninterest income | $2,223,000 | 1,627 |
| Gross Fiduciary activities income | $358,000 | 590 |
| Service charges on deposit accounts | $701,000 | 1,826 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,164,000 | 1,622 |
| Total noninterest expense | $8,940,000 | 1,430 |
| Salaries and employee benefits | $4,089,000 | 1,687 |
| Premises and equipment expense | $934,000 | 1,927 |
| Additional noninterest expense | $3,917,000 | 979 |
| Pre-tax net operating income | $7,078,000 | 1,029 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $2,474,000 | 912 |
| Income before extraordinary items | $4,604,000 | 1,181 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,604,000 | 1,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,534 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,604,000 | 1,154 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,552,000 | 1,064 |
| Total interest expense | $5,034,000 | 972 |
| Net interest income | $9,518,000 | 1,106 |
| Provision for loan and lease losses | $670,000 | 753 |
| Total noninterest income | $1,463,000 | 1,631 |
| Gross Fiduciary activities income | $233,000 | 599 |
| Service charges on deposit accounts | $472,000 | 1,770 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $758,000 | 1,642 |
| Total noninterest expense | $5,834,000 | 1,453 |
| Salaries and employee benefits | $2,676,000 | 1,721 |
| Premises and equipment expense | $608,000 | 1,957 |
| Additional noninterest expense | $2,550,000 | 993 |
| Pre-tax net operating income | $4,477,000 | 1,062 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,557,000 | 919 |
| Income before extraordinary items | $2,920,000 | 1,208 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,920,000 | 1,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,782 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,920,000 | 1,182 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,870,000 | 1,107 |
| Total interest expense | $2,324,000 | 1,006 |
| Net interest income | $4,546,000 | 1,155 |
| Provision for loan and lease losses | $430,000 | 550 |
| Total noninterest income | $725,000 | 1,603 |
| Gross Fiduciary activities income | $116,000 | 611 |
| Service charges on deposit accounts | $225,000 | 1,799 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $384,000 | 1,596 |
| Total noninterest expense | $2,871,000 | 1,478 |
| Salaries and employee benefits | $1,351,000 | 1,707 |
| Premises and equipment expense | $295,000 | 2,032 |
| Additional noninterest expense | $1,225,000 | 1,013 |
| Pre-tax net operating income | $1,970,000 | 1,166 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $671,000 | 1,046 |
| Income before extraordinary items | $1,299,000 | 1,330 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,299,000 | 1,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,299,000 | 1,300 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,993,000 | 1,355 |
| Total interest expense | $6,231,000 | 1,326 |
| Net interest income | $14,762,000 | 1,365 |
| Provision for loan and lease losses | $1,250,000 | 851 |
| Total noninterest income | $2,807,000 | 1,702 |
| Gross Fiduciary activities income | $442,000 | 608 |
| Service charges on deposit accounts | $924,000 | 1,889 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,441,000 | 1,690 |
| Total noninterest expense | $10,345,000 | 1,579 |
| Salaries and employee benefits | $4,753,000 | 1,846 |
| Premises and equipment expense | $1,136,000 | 2,024 |
| Additional noninterest expense | $4,456,000 | 1,102 |
| Pre-tax net operating income | $5,974,000 | 1,443 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,004,000 | 1,272 |
| Income before extraordinary items | $3,970,000 | 1,630 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,970,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 3,699 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,970,000 | 1,585 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,866,000 | 1,434 |
| Total interest expense | $4,333,000 | 1,390 |
| Net interest income | $10,533,000 | 1,420 |
| Provision for loan and lease losses | $1,005,000 | 769 |
| Total noninterest income | $1,989,000 | 1,784 |
| Gross Fiduciary activities income | $324,000 | 610 |
| Service charges on deposit accounts | $696,000 | 1,898 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $969,000 | 1,805 |
| Total noninterest expense | $7,583,000 | 1,602 |
| Salaries and employee benefits | $3,498,000 | 1,861 |
| Premises and equipment expense | $784,000 | 2,190 |
| Additional noninterest expense | $3,301,000 | 1,109 |
| Pre-tax net operating income | $3,934,000 | 1,639 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,273,000 | 1,473 |
| Income before extraordinary items | $2,661,000 | 1,805 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,661,000 | 1,806 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 2,849 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,661,000 | 1,754 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,327,000 | 1,518 |
| Total interest expense | $2,643,000 | 1,501 |
| Net interest income | $6,684,000 | 1,493 |
| Provision for loan and lease losses | $740,000 | 686 |
| Total noninterest income | $1,265,000 | 1,839 |
| Gross Fiduciary activities income | $214,000 | 619 |
| Service charges on deposit accounts | $443,000 | 1,947 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $608,000 | 1,908 |
| Total noninterest expense | $4,869,000 | 1,661 |
| Salaries and employee benefits | $2,235,000 | 1,946 |
| Premises and equipment expense | $513,000 | 2,230 |
| Additional noninterest expense | $2,121,000 | 1,150 |
| Pre-tax net operating income | $2,340,000 | 1,795 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $765,000 | 1,579 |
| Income before extraordinary items | $1,575,000 | 1,997 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,575,000 | 1,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,177 |
| Cash dividends | $600,000 | 1,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,575,000 | 1,940 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,460,000 | 1,583 |
| Total interest expense | $1,222,000 | 1,648 |
| Net interest income | $3,238,000 | 1,536 |
| Provision for loan and lease losses | $400,000 | 623 |
| Total noninterest income | $535,000 | 2,054 |
| Gross Fiduciary activities income | $108,000 | 627 |
| Service charges on deposit accounts | $216,000 | 1,940 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $211,000 | 2,389 |
| Total noninterest expense | $2,353,000 | 1,727 |
| Salaries and employee benefits | $1,078,000 | 2,040 |
| Premises and equipment expense | $251,000 | 2,295 |
| Additional noninterest expense | $1,024,000 | 1,175 |
| Pre-tax net operating income | $1,020,000 | 1,969 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $340,000 | 1,766 |
| Income before extraordinary items | $680,000 | 2,231 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $680,000 | 2,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,240 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $680,000 | 2,149 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $16,028,000 | 1,777 |
| Total interest expense | $4,582,000 | 1,950 |
| Net interest income | $11,446,000 | 1,697 |
| Provision for loan and lease losses | $745,000 | 1,547 |
| Total noninterest income | $2,186,000 | 2,170 |
| Gross Fiduciary activities income | $398,000 | 634 |
| Service charges on deposit accounts | $873,000 | 1,967 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $915,000 | 2,525 |
| Total noninterest expense | $8,186,000 | 1,944 |
| Salaries and employee benefits | $3,783,000 | 2,250 |
| Premises and equipment expense | $940,000 | 2,395 |
| Additional noninterest expense | $3,463,000 | 1,410 |
| Pre-tax net operating income | $4,701,000 | 1,717 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,559,000 | 1,574 |
| Income before extraordinary items | $3,142,000 | 1,959 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,142,000 | 1,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $210,000 | 2,806 |
| Cash dividends | $950,000 | 2,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,142,000 | 1,870 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,911,000 | 1,819 |
| Total interest expense | $3,443,000 | 2,023 |
| Net interest income | $8,468,000 | 1,735 |
| Provision for loan and lease losses | $565,000 | 1,498 |
| Total noninterest income | $1,688,000 | 2,166 |
| Gross Fiduciary activities income | $293,000 | 640 |
| Service charges on deposit accounts | $667,000 | 1,941 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $728,000 | 2,494 |
| Total noninterest expense | $5,990,000 | 1,991 |
| Salaries and employee benefits | $2,712,000 | 2,341 |
| Premises and equipment expense | $695,000 | 2,420 |
| Additional noninterest expense | $2,583,000 | 1,427 |
| Pre-tax net operating income | $3,601,000 | 1,738 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,202,000 | 1,608 |
| Income before extraordinary items | $2,399,000 | 2,004 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,399,000 | 2,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,780 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,399,000 | 1,893 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,997,000 | 1,828 |
| Total interest expense | $2,308,000 | 2,084 |
| Net interest income | $5,689,000 | 1,714 |
| Provision for loan and lease losses | $385,000 | 1,449 |
| Total noninterest income | $1,060,000 | 2,259 |
| Gross Fiduciary activities income | $192,000 | 647 |
| Service charges on deposit accounts | $440,000 | 1,928 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $428,000 | 2,681 |
| Total noninterest expense | $3,979,000 | 1,981 |
| Salaries and employee benefits | $1,803,000 | 2,338 |
| Premises and equipment expense | $454,000 | 2,452 |
| Additional noninterest expense | $1,722,000 | 1,437 |
| Pre-tax net operating income | $2,385,000 | 1,753 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $802,000 | 1,614 |
| Income before extraordinary items | $1,583,000 | 2,005 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,583,000 | 2,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,542 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,583,000 | 1,900 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,970,000 | 1,850 |
| Total interest expense | $1,161,000 | 2,110 |
| Net interest income | $2,809,000 | 1,728 |
| Provision for loan and lease losses | $195,000 | 1,399 |
| Total noninterest income | $503,000 | 2,275 |
| Gross Fiduciary activities income | $92,000 | 670 |
| Service charges on deposit accounts | $222,000 | 1,839 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $189,000 | 2,816 |
| Total noninterest expense | $1,986,000 | 1,970 |
| Salaries and employee benefits | $896,000 | 2,342 |
| Premises and equipment expense | $235,000 | 2,366 |
| Additional noninterest expense | $855,000 | 1,409 |
| Pre-tax net operating income | $1,131,000 | 1,839 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $372,000 | 1,731 |
| Income before extraordinary items | $759,000 | 2,063 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $759,000 | 2,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,251 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $759,000 | 1,946 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,393,000 | 1,880 |
| Total interest expense | $5,702,000 | 1,988 |
| Net interest income | $10,691,000 | 1,809 |
| Provision for loan and lease losses | $580,000 | 2,129 |
| Total noninterest income | $1,914,000 | 2,209 |
| Gross Fiduciary activities income | $353,000 | 670 |
| Service charges on deposit accounts | $875,000 | 1,840 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $686,000 | 2,741 |
| Total noninterest expense | $7,422,000 | 2,029 |
| Salaries and employee benefits | $4,014,000 | 1,989 |
| Premises and equipment expense | $1,163,000 | 1,900 |
| Additional noninterest expense | $2,245,000 | 2,056 |
| Pre-tax net operating income | $4,603,000 | 1,762 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,501,000 | 1,655 |
| Income before extraordinary items | $3,102,000 | 1,934 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,102,000 | 1,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 3,403 |
| Cash dividends | $950,000 | 2,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,102,000 | 1,872 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,365,000 | 1,869 |
| Total interest expense | $8,785,000 | 1,841 |
| Net interest income | $9,580,000 | 1,857 |
| Provision for loan and lease losses | $455,000 | 2,371 |
| Total noninterest income | $2,003,000 | 2,015 |
| Gross Fiduciary activities income | $317,000 | 714 |
| Service charges on deposit accounts | $761,000 | 1,988 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $925,000 | 2,168 |
| Total noninterest expense | $6,908,000 | 2,078 |
| Salaries and employee benefits | $3,803,000 | 1,980 |
| Premises and equipment expense | $1,069,000 | 1,998 |
| Additional noninterest expense | $2,036,000 | 2,206 |
| Pre-tax net operating income | $4,220,000 | 1,675 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,399,000 | 1,602 |
| Income before extraordinary items | $2,821,000 | 1,867 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,821,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,754 |
| Cash dividends | $1,100,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,821,000 | 1,796 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $17,852,000 | 1,975 |
| Total interest expense | $8,660,000 | 1,993 |
| Net interest income | $9,192,000 | 1,920 |
| Provision for loan and lease losses | $460,000 | 2,019 |
| Total noninterest income | $1,619,000 | 2,217 |
| Gross Fiduciary activities income | $291,000 | 724 |
| Service charges on deposit accounts | $766,000 | 1,817 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $562,000 | 2,745 |
| Total noninterest expense | $6,407,000 | 2,151 |
| Salaries and employee benefits | $3,466,000 | 2,056 |
| Premises and equipment expense | $1,092,000 | 1,906 |
| Additional noninterest expense | $1,849,000 | 2,320 |
| Pre-tax net operating income | $3,944,000 | 1,852 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,290,000 | 1,711 |
| Income before extraordinary items | $2,654,000 | 1,969 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,654,000 | 1,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 2,989 |
| Cash dividends | $600,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,654,000 | 1,972 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,317,000 | 2,271 |
| Total interest expense | $6,280,000 | 2,338 |
| Net interest income | $8,037,000 | 2,182 |
| Provision for loan and lease losses | $425,000 | 1,996 |
| Total noninterest income | $1,397,000 | 2,405 |
| Gross Fiduciary activities income | $192,000 | 875 |
| Service charges on deposit accounts | $605,000 | 2,215 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $600,000 | 2,631 |
| Total noninterest expense | $5,798,000 | 2,346 |
| Salaries and employee benefits | $3,100,000 | 2,262 |
| Premises and equipment expense | $1,034,000 | 1,982 |
| Additional noninterest expense | $1,664,000 | 2,591 |
| Pre-tax net operating income | $3,211,000 | 2,266 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $1,020,000 | 2,191 |
| Income before extraordinary items | $2,204,000 | 2,361 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,204,000 | 2,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,401 |
| Cash dividends | $1,650,000 | 1,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,195,160 | 2,346 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,997,000 | 2,513 |
| Total interest expense | $6,176,000 | 2,452 |
| Net interest income | $6,821,000 | 2,486 |
| Provision for loan and lease losses | $255,000 | 2,948 |
| Total noninterest income | $1,354,000 | 2,448 |
| Gross Fiduciary activities income | $60,000 | 1,085 |
| Service charges on deposit accounts | $458,000 | 2,762 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $836,000 | 2,095 |
| Total noninterest expense | $4,944,000 | 2,651 |
| Salaries and employee benefits | $2,787,000 | 2,425 |
| Premises and equipment expense | $797,000 | 2,456 |
| Additional noninterest expense | $1,360,000 | 3,020 |
| Pre-tax net operating income | $2,976,000 | 2,396 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $1,027,000 | 2,266 |
| Income before extraordinary items | $1,950,000 | 2,619 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,950,000 | 2,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,732 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,949,340 | 2,538 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,132,000 | 2,927 |
| Total interest expense | $5,086,000 | 2,935 |
| Net interest income | $6,046,000 | 2,892 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $965,000 | 3,119 |
| Gross Fiduciary activities income | $30,000 | 1,236 |
| Service charges on deposit accounts | $404,000 | 3,199 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $531,000 | 2,703 |
| Total noninterest expense | $3,961,000 | 3,201 |
| Salaries and employee benefits | $2,192,000 | 3,023 |
| Premises and equipment expense | $652,000 | 2,927 |
| Additional noninterest expense | $1,117,000 | 3,554 |
| Pre-tax net operating income | $2,750,000 | 2,697 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $956,000 | 2,528 |
| Income before extraordinary items | $1,796,000 | 2,835 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,796,000 | 2,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,815 |
| Cash dividends | $190,000 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,794,700 | 2,791 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,617,000 | 3,392 |
| Total interest expense | $4,476,000 | 3,329 |
| Net interest income | $5,141,000 | 3,454 |
| Provision for loan and lease losses | $195,000 | 3,475 |
| Total noninterest income | $669,000 | 4,246 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $373,000 | 3,545 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $296,000 | 4,103 |
| Total noninterest expense | $3,248,000 | 4,048 |
| Salaries and employee benefits | $1,719,000 | 3,822 |
| Premises and equipment expense | $534,000 | 3,581 |
| Additional noninterest expense | $995,000 | 4,422 |
| Pre-tax net operating income | $2,367,000 | 2,945 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $825,000 | 2,772 |
| 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 | $16,000 | 7,019 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,542,000 | 3,073 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,297,000 | 3,882 |
| Total interest expense | $3,781,000 | 3,869 |
| Net interest income | $4,516,000 | 3,890 |
| Provision for loan and lease losses | $172,000 | 3,375 |
| Total noninterest income | $575,000 | 4,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $339,000 | 3,876 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $236,000 | 4,654 |
| Total noninterest expense | $2,865,000 | 4,453 |
| Salaries and employee benefits | $1,487,000 | 4,312 |
| Premises and equipment expense | $424,000 | 4,314 |
| Additional noninterest expense | $954,000 | 4,531 |
| Pre-tax net operating income | $2,054,000 | 3,405 |
| Securities gains (losses) | $-90,000 | 11,443 |
| Applicable income taxes | $721,000 | 3,159 |
| 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 | $10,000 | 7,475 |
| Cash dividends | $400,000 | 3,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,300,600 | 3,660 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,898,000 | 4,938 |
| Total interest expense | $2,154,000 | 5,270 |
| Net interest income | $3,744,000 | 4,648 |
| Provision for loan and lease losses | $125,000 | 3,960 |
| Total noninterest income | $368,000 | 6,451 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $104,000 | 7,391 |
| Total noninterest expense | $2,372,000 | 5,400 |
| Salaries and employee benefits | $1,168,000 | 5,374 |
| Premises and equipment expense | $390,000 | 4,688 |
| Additional noninterest expense | $814,000 | 5,616 |
| Pre-tax net operating income | $1,615,000 | 4,137 |
| Securities gains (losses) | $-153,000 | 11,802 |
| Applicable income taxes | $532,000 | 3,867 |
| Income before extraordinary items | $930,000 | 4,774 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $930,000 | 4,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,027,920 | 4,478 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,269,000 | 6,555 |
| Total interest expense | $1,663,000 | 6,706 |
| Net interest income | $2,606,000 | 6,340 |
| Provision for loan and lease losses | $257,000 | 3,324 |
| Total noninterest income | $249,000 | 8,375 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $194,000 | 6,072 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 9,815 |
| Total noninterest expense | $1,977,000 | 6,399 |
| Salaries and employee benefits | $981,000 | 6,237 |
| Premises and equipment expense | $377,000 | 4,947 |
| Additional noninterest expense | $619,000 | 7,172 |
| Pre-tax net operating income | $621,000 | 7,806 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $190,000 | 7,806 |
| Income before extraordinary items | $431,000 | 8,136 |
| Extraordinary gains, net | $115,000 | 1,458 |
| Net income | $546,000 | 7,345 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 6,165 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $431,000 | 7,864 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,128,000 | 8,753 |
| Total interest expense | $1,312,000 | 9,185 |
| Net interest income | $1,816,000 | 8,294 |
| Provision for loan and lease losses | $254,000 | 4,549 |
| Total noninterest income | $137,000 | 10,753 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,573 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $39,000 | 11,113 |
| Total noninterest expense | $1,570,000 | 7,671 |
| Salaries and employee benefits | $856,000 | 6,896 |
| Premises and equipment expense | $259,000 | 6,615 |
| Additional noninterest expense | $455,000 | 8,919 |
| Pre-tax net operating income | $129,000 | 11,725 |
| Securities gains (losses) | $114,000 | 2,803 |
| Applicable income taxes | $85,000 | 10,309 |
| Income before extraordinary items | $158,000 | 11,164 |
| Extraordinary gains, net | $76,000 | 852 |
| Net income | $234,000 | 10,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $83,900 | 11,873 |
* 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.