Home > Britton & Koontz Bank, N.A. > Income and Expense
Britton & Koontz Bank, N.A., Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $11,531,000 | 2,123 |
| Total interest expense | $1,767,000 | 1,904 |
| Net interest income | $9,764,000 | 2,135 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $2,620,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $963,000 | 1,414 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,657,000 | 1,736 |
| Total noninterest expense | $11,396,000 | 1,688 |
| Salaries and employee benefits | $5,958,000 | 1,723 |
| Premises and equipment expense | $2,143,000 | 1,115 |
| Additional noninterest expense | $3,295,000 | 1,924 |
| Pre-tax net operating income | $988,000 | 4,109 |
| Securities gains (losses) | $115,000 | 1,215 |
| Applicable income taxes | $-11,000 | 6,305 |
| Income before extraordinary items | $1,114,000 | 3,690 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,114,000 | 3,693 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,114,000 | 3,694 |
| Net charge-offs | $440,000 | 2,150 |
| Cash dividends | $500,000 | 2,742 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $999,000 | 3,854 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $8,536,000 | 2,159 |
| Total interest expense | $1,335,000 | 1,945 |
| Net interest income | $7,201,000 | 2,175 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $2,233,000 | 1,658 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $722,000 | 1,422 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,511,000 | 1,542 |
| Total noninterest expense | $8,506,000 | 1,704 |
| Salaries and employee benefits | $4,415,000 | 1,749 |
| Premises and equipment expense | $1,608,000 | 1,112 |
| Additional noninterest expense | $2,483,000 | 1,896 |
| Pre-tax net operating income | $928,000 | 3,810 |
| Securities gains (losses) | $115,000 | 1,127 |
| Applicable income taxes | $57,000 | 3,652 |
| Income before extraordinary items | $986,000 | 3,451 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $986,000 | 3,454 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $986,000 | 3,455 |
| Net charge-offs | $300,000 | 2,113 |
| Cash dividends | $500,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $876,750 | 3,587 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,593,000 | 2,203 |
| Total interest expense | $897,000 | 1,952 |
| Net interest income | $4,696,000 | 2,216 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $1,428,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $472,000 | 1,411 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $956,000 | 1,629 |
| Total noninterest expense | $5,761,000 | 1,671 |
| Salaries and employee benefits | $2,860,000 | 1,802 |
| Premises and equipment expense | $1,078,000 | 1,102 |
| Additional noninterest expense | $1,823,000 | 1,738 |
| Pre-tax net operating income | $363,000 | 4,625 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-59,000 | 6,714 |
| Income before extraordinary items | $422,000 | 4,236 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $422,000 | 4,238 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $422,000 | 4,239 |
| Net charge-offs | $189,000 | 2,153 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $422,000 | 4,115 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,754,000 | 2,261 |
| Total interest expense | $454,000 | 1,981 |
| Net interest income | $2,300,000 | 2,277 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $763,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $236,000 | 1,401 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $527,000 | 1,519 |
| Total noninterest expense | $2,838,000 | 1,717 |
| Salaries and employee benefits | $1,429,000 | 1,829 |
| Premises and equipment expense | $542,000 | 1,124 |
| Additional noninterest expense | $867,000 | 1,822 |
| Pre-tax net operating income | $225,000 | 4,297 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-14,000 | 6,769 |
| Income before extraordinary items | $239,000 | 3,963 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $239,000 | 3,966 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $239,000 | 3,966 |
| Net charge-offs | $179,000 | 1,449 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $239,000 | 3,880 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $12,162,000 | 2,149 |
| Total interest expense | $2,934,000 | 1,508 |
| Net interest income | $9,228,000 | 2,328 |
| Provision for loan and lease losses | $-250,000 | 6,944 |
| Total noninterest income | $2,795,000 | 1,732 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,190,000 | 1,187 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,605,000 | 1,779 |
| Total noninterest expense | $12,315,000 | 1,576 |
| Salaries and employee benefits | $5,750,000 | 1,759 |
| Premises and equipment expense | $2,193,000 | 1,086 |
| Additional noninterest expense | $4,372,000 | 1,542 |
| Pre-tax net operating income | $-42,000 | 6,222 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $-388,000 | 6,869 |
| Income before extraordinary items | $346,000 | 5,345 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $346,000 | 5,342 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $346,000 | 5,343 |
| Net charge-offs | $1,408,000 | 1,448 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $346,000 | 5,148 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $9,310,000 | 2,140 |
| Total interest expense | $2,353,000 | 1,485 |
| Net interest income | $6,957,000 | 2,352 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $2,507,000 | 1,516 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $904,000 | 1,181 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,603,000 | 1,458 |
| Total noninterest expense | $9,917,000 | 1,487 |
| Salaries and employee benefits | $4,373,000 | 1,718 |
| Premises and equipment expense | $1,660,000 | 1,087 |
| Additional noninterest expense | $3,884,000 | 1,310 |
| Pre-tax net operating income | $-453,000 | 6,669 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-443,000 | 7,036 |
| Income before extraordinary items | $-10,000 | 6,425 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-10,000 | 6,424 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-10,000 | 6,424 |
| Net charge-offs | $1,039,000 | 1,422 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-10,000 | 6,303 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,386,000 | 2,101 |
| Total interest expense | $1,620,000 | 1,495 |
| Net interest income | $4,766,000 | 2,289 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $1,698,000 | 1,479 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $604,000 | 1,170 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,094,000 | 1,433 |
| Total noninterest expense | $6,094,000 | 1,596 |
| Salaries and employee benefits | $2,924,000 | 1,719 |
| Premises and equipment expense | $1,106,000 | 1,081 |
| Additional noninterest expense | $2,064,000 | 1,620 |
| Pre-tax net operating income | $370,000 | 4,568 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-54,000 | 6,952 |
| Income before extraordinary items | $424,000 | 4,275 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $424,000 | 4,279 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $424,000 | 4,278 |
| Net charge-offs | $348,000 | 2,159 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $424,000 | 4,088 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,278,000 | 2,061 |
| Total interest expense | $835,000 | 1,511 |
| Net interest income | $2,443,000 | 2,237 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $723,000 | 1,654 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $303,000 | 1,163 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $420,000 | 1,693 |
| Total noninterest expense | $2,817,000 | 1,710 |
| Salaries and employee benefits | $1,468,000 | 1,718 |
| Premises and equipment expense | $562,000 | 1,061 |
| Additional noninterest expense | $787,000 | 2,061 |
| Pre-tax net operating income | $349,000 | 3,558 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $32,000 | 3,394 |
| Income before extraordinary items | $317,000 | 3,537 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $317,000 | 3,540 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $317,000 | 3,540 |
| Net charge-offs | $78,000 | 2,667 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $317,000 | 3,363 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $15,726,000 | 1,793 |
| Total interest expense | $4,221,000 | 1,434 |
| Net interest income | $11,505,000 | 1,907 |
| Provision for loan and lease losses | $4,692,000 | 826 |
| Total noninterest income | $3,103,000 | 1,459 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,430,000 | 1,033 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,673,000 | 1,528 |
| Total noninterest expense | $12,320,000 | 1,590 |
| Salaries and employee benefits | $6,372,000 | 1,549 |
| Premises and equipment expense | $2,229,000 | 1,121 |
| Additional noninterest expense | $3,719,000 | 1,817 |
| Pre-tax net operating income | $-2,404,000 | 6,847 |
| Securities gains (losses) | $2,654,000 | 186 |
| Applicable income taxes | $-370,000 | 7,009 |
| Income before extraordinary items | $620,000 | 4,340 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $620,000 | 4,342 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $620,000 | 4,342 |
| Net charge-offs | $2,824,000 | 1,238 |
| Cash dividends | $800,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-2,034,000 | 6,817 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,186,000 | 1,756 |
| Total interest expense | $3,312,000 | 1,429 |
| Net interest income | $8,874,000 | 1,869 |
| Provision for loan and lease losses | $4,692,000 | 657 |
| Total noninterest income | $2,374,000 | 1,425 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,080,000 | 1,030 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,294,000 | 1,482 |
| Total noninterest expense | $9,327,000 | 1,566 |
| Salaries and employee benefits | $4,886,000 | 1,524 |
| Premises and equipment expense | $1,647,000 | 1,148 |
| Additional noninterest expense | $2,794,000 | 1,819 |
| Pre-tax net operating income | $-2,771,000 | 7,087 |
| Securities gains (losses) | $2,632,000 | 152 |
| Applicable income taxes | $-390,000 | 7,179 |
| Income before extraordinary items | $251,000 | 5,270 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $251,000 | 5,270 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $251,000 | 5,270 |
| Net charge-offs | $1,027,000 | 1,863 |
| Cash dividends | $800,000 | 1,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-1,433,480 | 6,939 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,407,000 | 1,721 |
| Total interest expense | $2,350,000 | 1,395 |
| Net interest income | $6,057,000 | 1,842 |
| Provision for loan and lease losses | $1,312,000 | 1,258 |
| Total noninterest income | $1,533,000 | 1,456 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $713,000 | 1,023 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $820,000 | 1,535 |
| Total noninterest expense | $6,537,000 | 1,503 |
| Salaries and employee benefits | $3,480,000 | 1,432 |
| Premises and equipment expense | $1,085,000 | 1,179 |
| Additional noninterest expense | $1,972,000 | 1,743 |
| Pre-tax net operating income | $-259,000 | 6,615 |
| Securities gains (losses) | $1,322,000 | 152 |
| Applicable income taxes | $135,000 | 2,612 |
| Income before extraordinary items | $928,000 | 2,414 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $928,000 | 2,414 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $928,000 | 2,414 |
| Net charge-offs | $170,000 | 3,279 |
| Cash dividends | $800,000 | 975 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-222,140 | 6,623 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,304,000 | 1,691 |
| Total interest expense | $1,186,000 | 1,434 |
| Net interest income | $3,118,000 | 1,791 |
| Provision for loan and lease losses | $750,000 | 1,063 |
| Total noninterest income | $864,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $346,000 | 1,043 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $518,000 | 1,312 |
| Total noninterest expense | $3,070,000 | 1,614 |
| Salaries and employee benefits | $1,746,000 | 1,448 |
| Premises and equipment expense | $526,000 | 1,249 |
| Additional noninterest expense | $798,000 | 2,108 |
| Pre-tax net operating income | $162,000 | 4,550 |
| Securities gains (losses) | $667,000 | 131 |
| Applicable income taxes | $185,000 | 1,587 |
| Income before extraordinary items | $644,000 | 1,807 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $644,000 | 1,806 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $644,000 | 1,807 |
| Net charge-offs | $98,000 | 2,757 |
| Cash dividends | $400,000 | 888 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $123,740 | 4,669 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $18,773,000 | 1,623 |
| Total interest expense | $5,530,000 | 1,505 |
| Net interest income | $13,243,000 | 1,669 |
| Provision for loan and lease losses | $1,675,000 | 2,310 |
| Total noninterest income | $3,826,000 | 1,312 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,463,000 | 1,037 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $2,363,000 | 1,254 |
| Total noninterest expense | $13,368,000 | 1,482 |
| Salaries and employee benefits | $6,820,000 | 1,446 |
| Premises and equipment expense | $2,326,000 | 1,117 |
| Additional noninterest expense | $4,222,000 | 1,703 |
| Pre-tax net operating income | $2,026,000 | 2,211 |
| Securities gains (losses) | $465,000 | 943 |
| Applicable income taxes | $362,000 | 2,194 |
| Income before extraordinary items | $2,129,000 | 1,913 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,129,000 | 1,914 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $2,129,000 | 1,915 |
| Net charge-offs | $3,134,000 | 1,434 |
| Cash dividends | $1,200,000 | 1,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,733,750 | 2,168 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,246,000 | 1,641 |
| Total interest expense | $4,262,000 | 1,521 |
| Net interest income | $9,984,000 | 1,686 |
| Provision for loan and lease losses | $1,450,000 | 2,025 |
| Total noninterest income | $2,831,000 | 1,305 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,097,000 | 1,059 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,734,000 | 1,226 |
| Total noninterest expense | $10,244,000 | 1,450 |
| Salaries and employee benefits | $5,171,000 | 1,435 |
| Premises and equipment expense | $1,744,000 | 1,131 |
| Additional noninterest expense | $3,329,000 | 1,596 |
| Pre-tax net operating income | $1,121,000 | 2,897 |
| Securities gains (losses) | $448,000 | 806 |
| Applicable income taxes | $158,000 | 2,752 |
| Income before extraordinary items | $1,411,000 | 2,259 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,411,000 | 2,259 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,411,000 | 2,261 |
| Net charge-offs | $2,615,000 | 1,269 |
| Cash dividends | $800,000 | 1,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,007,800 | 2,738 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,621,000 | 1,647 |
| Total interest expense | $2,872,000 | 1,570 |
| Net interest income | $6,749,000 | 1,670 |
| Provision for loan and lease losses | $1,300,000 | 1,661 |
| Total noninterest income | $1,846,000 | 1,303 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $728,000 | 1,077 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $1,118,000 | 1,194 |
| Total noninterest expense | $7,095,000 | 1,405 |
| Salaries and employee benefits | $3,458,000 | 1,427 |
| Premises and equipment expense | $1,159,000 | 1,146 |
| Additional noninterest expense | $2,478,000 | 1,437 |
| Pre-tax net operating income | $200,000 | 4,941 |
| Securities gains (losses) | $448,000 | 523 |
| Applicable income taxes | $-39,000 | 7,043 |
| Income before extraordinary items | $687,000 | 2,806 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $687,000 | 2,802 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $687,000 | 2,805 |
| Net charge-offs | $2,640,000 | 919 |
| Cash dividends | $400,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $239,000 | 4,496 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,873,000 | 1,657 |
| Total interest expense | $1,448,000 | 1,622 |
| Net interest income | $3,425,000 | 1,655 |
| Provision for loan and lease losses | $1,100,000 | 1,096 |
| Total noninterest income | $1,102,000 | 1,130 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $359,000 | 1,090 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $743,000 | 975 |
| Total noninterest expense | $3,895,000 | 1,282 |
| Salaries and employee benefits | $1,758,000 | 1,424 |
| Premises and equipment expense | $575,000 | 1,188 |
| Additional noninterest expense | $1,562,000 | 1,123 |
| Pre-tax net operating income | $-468,000 | 7,157 |
| Securities gains (losses) | $447,000 | 275 |
| Applicable income taxes | $-146,000 | 7,511 |
| Income before extraordinary items | $125,000 | 4,666 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $125,000 | 4,667 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $125,000 | 4,665 |
| Net charge-offs | $1,833,000 | 684 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-161,080 | 6,832 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,979,000 | 1,628 |
| Total interest expense | $6,259,000 | 1,862 |
| Net interest income | $14,720,000 | 1,530 |
| Provision for loan and lease losses | $3,420,000 | 1,814 |
| Total noninterest income | $2,648,000 | 1,754 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,677,000 | 1,038 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $971,000 | 2,177 |
| Total noninterest expense | $12,168,000 | 1,677 |
| Salaries and employee benefits | $6,181,000 | 1,612 |
| Premises and equipment expense | $2,201,000 | 1,238 |
| Additional noninterest expense | $3,786,000 | 1,936 |
| Pre-tax net operating income | $1,780,000 | 2,102 |
| Securities gains (losses) | $92,000 | 2,210 |
| Applicable income taxes | $50,000 | 3,262 |
| Income before extraordinary items | $1,822,000 | 1,825 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,822,000 | 1,822 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,822,000 | 1,824 |
| Net charge-offs | $1,939,000 | 2,068 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,732,760 | 1,849 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,089,000 | 1,625 |
| Total interest expense | $4,784,000 | 1,900 |
| Net interest income | $11,305,000 | 1,486 |
| Provision for loan and lease losses | $1,870,000 | 2,000 |
| Total noninterest income | $1,769,000 | 1,937 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,259,000 | 1,033 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $510,000 | 2,782 |
| Total noninterest expense | $8,927,000 | 1,696 |
| Salaries and employee benefits | $4,567,000 | 1,645 |
| Premises and equipment expense | $1,606,000 | 1,282 |
| Additional noninterest expense | $2,754,000 | 1,923 |
| Pre-tax net operating income | $2,277,000 | 1,408 |
| Securities gains (losses) | $37,000 | 2,446 |
| Applicable income taxes | $469,000 | 1,471 |
| Income before extraordinary items | $1,845,000 | 1,452 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,845,000 | 1,450 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,845,000 | 1,452 |
| Net charge-offs | $1,823,000 | 1,586 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,815,400 | 1,444 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,799,000 | 1,647 |
| Total interest expense | $3,257,000 | 1,949 |
| Net interest income | $7,542,000 | 1,482 |
| Provision for loan and lease losses | $950,000 | 2,132 |
| Total noninterest income | $1,230,000 | 1,887 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $826,000 | 1,037 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $404,000 | 2,541 |
| Total noninterest expense | $6,024,000 | 1,710 |
| Salaries and employee benefits | $3,051,000 | 1,677 |
| Premises and equipment expense | $1,041,000 | 1,336 |
| Additional noninterest expense | $1,932,000 | 1,860 |
| Pre-tax net operating income | $1,798,000 | 1,282 |
| Securities gains (losses) | $18,000 | 2,372 |
| Applicable income taxes | $339,000 | 1,413 |
| Income before extraordinary items | $1,477,000 | 1,281 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,477,000 | 1,279 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,477,000 | 1,280 |
| Net charge-offs | $516,000 | 2,318 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,462,420 | 1,254 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,465,000 | 1,643 |
| Total interest expense | $1,693,000 | 1,955 |
| Net interest income | $3,772,000 | 1,475 |
| Provision for loan and lease losses | $700,000 | 1,458 |
| Total noninterest income | $612,000 | 1,864 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $407,000 | 1,013 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $205,000 | 2,478 |
| Total noninterest expense | $2,890,000 | 1,719 |
| Salaries and employee benefits | $1,549,000 | 1,670 |
| Premises and equipment expense | $519,000 | 1,370 |
| Additional noninterest expense | $822,000 | 1,948 |
| Pre-tax net operating income | $794,000 | 1,617 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $125,000 | 1,964 |
| Income before extraordinary items | $669,000 | 1,609 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $669,000 | 1,610 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $669,000 | 1,611 |
| Net charge-offs | $132,000 | 2,556 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $669,000 | 1,530 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,798,000 | 1,691 |
| Total interest expense | $8,428,000 | 1,872 |
| Net interest income | $14,370,000 | 1,558 |
| Provision for loan and lease losses | $730,000 | 3,176 |
| Total noninterest income | $2,714,000 | 1,704 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,777,000 | 1,008 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $937,000 | 2,221 |
| Total noninterest expense | $11,254,000 | 1,726 |
| Salaries and employee benefits | $6,142,000 | 1,664 |
| Premises and equipment expense | $2,089,000 | 1,313 |
| Additional noninterest expense | $3,023,000 | 1,997 |
| Pre-tax net operating income | $5,100,000 | 1,085 |
| Securities gains (losses) | $148,000 | 874 |
| Applicable income taxes | $1,473,000 | 882 |
| Income before extraordinary items | $3,775,000 | 1,097 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,775,000 | 1,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $763,000 | 2,257 |
| Cash dividends | $2,800,000 | 982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,668,440 | 1,196 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,150,000 | 1,729 |
| Total interest expense | $6,626,000 | 1,866 |
| Net interest income | $10,524,000 | 1,607 |
| Provision for loan and lease losses | $360,000 | 3,240 |
| Total noninterest income | $2,041,000 | 1,753 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,326,000 | 1,019 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $715,000 | 2,288 |
| Total noninterest expense | $8,400,000 | 1,731 |
| Salaries and employee benefits | $4,674,000 | 1,659 |
| Premises and equipment expense | $1,554,000 | 1,336 |
| Additional noninterest expense | $2,172,000 | 2,005 |
| Pre-tax net operating income | $3,805,000 | 1,301 |
| Securities gains (losses) | $148,000 | 751 |
| Applicable income taxes | $1,106,000 | 1,069 |
| Income before extraordinary items | $2,847,000 | 1,304 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,847,000 | 1,303 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 1,964 |
| Cash dividends | $2,100,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,740,440 | 1,425 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,491,000 | 1,742 |
| Total interest expense | $4,583,000 | 1,882 |
| Net interest income | $6,908,000 | 1,629 |
| Provision for loan and lease losses | $240,000 | 2,857 |
| Total noninterest income | $1,322,000 | 1,805 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $837,000 | 1,053 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $485,000 | 2,293 |
| Total noninterest expense | $5,616,000 | 1,723 |
| Salaries and employee benefits | $3,153,000 | 1,662 |
| Premises and equipment expense | $1,032,000 | 1,340 |
| Additional noninterest expense | $1,431,000 | 2,012 |
| Pre-tax net operating income | $2,374,000 | 1,455 |
| Securities gains (losses) | $148,000 | 745 |
| Applicable income taxes | $670,000 | 1,275 |
| Income before extraordinary items | $1,852,000 | 1,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,852,000 | 1,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,229 |
| Cash dividends | $1,400,000 | 1,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,743,960 | 1,535 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,836,000 | 1,759 |
| Total interest expense | $2,411,000 | 1,920 |
| Net interest income | $3,425,000 | 1,620 |
| Provision for loan and lease losses | $120,000 | 2,457 |
| Total noninterest income | $668,000 | 1,810 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $401,000 | 1,084 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $267,000 | 2,115 |
| Total noninterest expense | $2,830,000 | 1,708 |
| Salaries and employee benefits | $1,607,000 | 1,639 |
| Premises and equipment expense | $530,000 | 1,300 |
| Additional noninterest expense | $693,000 | 2,028 |
| Pre-tax net operating income | $1,143,000 | 1,585 |
| Securities gains (losses) | $148,000 | 545 |
| Applicable income taxes | $344,000 | 1,340 |
| Income before extraordinary items | $947,000 | 1,579 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $947,000 | 1,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 1,361 |
| Cash dividends | $700,000 | 1,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $838,960 | 1,682 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,605,000 | 1,741 |
| Total interest expense | $10,836,000 | 1,834 |
| Net interest income | $13,769,000 | 1,640 |
| Provision for loan and lease losses | $440,000 | 2,544 |
| Total noninterest income | $2,764,000 | 1,739 |
| Gross Fiduciary activities income | $4,000 | 1,355 |
| Service charges on deposit accounts | $1,633,000 | 1,084 |
| Trading account gains and fees | $145,000 | 107 |
| Additional Noninterest Income | $982,000 | 2,241 |
| Total noninterest expense | $11,134,000 | 1,655 |
| Salaries and employee benefits | $5,907,000 | 1,707 |
| Premises and equipment expense | $2,123,000 | 1,249 |
| Additional noninterest expense | $3,104,000 | 1,783 |
| Pre-tax net operating income | $4,959,000 | 1,656 |
| Securities gains (losses) | $-559,000 | 8,382 |
| Applicable income taxes | $1,058,000 | 1,797 |
| Income before extraordinary items | $3,342,000 | 1,871 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,342,000 | 1,870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 2,085 |
| Cash dividends | $2,800,000 | 1,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,766,840 | 1,666 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,616,000 | 1,732 |
| Total interest expense | $8,142,000 | 1,823 |
| Net interest income | $10,474,000 | 1,623 |
| Provision for loan and lease losses | $320,000 | 2,205 |
| Total noninterest income | $1,797,000 | 1,950 |
| Gross Fiduciary activities income | $3,000 | 1,319 |
| Service charges on deposit accounts | $1,213,000 | 1,090 |
| Trading account gains and fees | $-155,000 | 8,523 |
| Additional Noninterest Income | $736,000 | 2,236 |
| Total noninterest expense | $8,406,000 | 1,627 |
| Salaries and employee benefits | $4,407,000 | 1,703 |
| Premises and equipment expense | $1,576,000 | 1,257 |
| Additional noninterest expense | $2,423,000 | 1,676 |
| Pre-tax net operating income | $3,545,000 | 1,838 |
| Securities gains (losses) | $-559,000 | 8,465 |
| Applicable income taxes | $684,000 | 2,116 |
| Income before extraordinary items | $2,302,000 | 2,118 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,302,000 | 2,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,148 |
| Cash dividends | $2,100,000 | 1,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,732,430 | 1,830 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,292,000 | 1,763 |
| Total interest expense | $5,389,000 | 1,853 |
| Net interest income | $6,903,000 | 1,666 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $917,000 | 2,362 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $798,000 | 1,106 |
| Trading account gains and fees | $-360,000 | 8,594 |
| Additional Noninterest Income | $477,000 | 2,324 |
| Total noninterest expense | $5,560,000 | 1,665 |
| Salaries and employee benefits | $2,895,000 | 1,773 |
| Premises and equipment expense | $1,047,000 | 1,278 |
| Additional noninterest expense | $1,618,000 | 1,681 |
| Pre-tax net operating income | $2,060,000 | 2,102 |
| Securities gains (losses) | $-559,000 | 8,537 |
| Applicable income taxes | $288,000 | 2,786 |
| Income before extraordinary items | $1,213,000 | 2,616 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,213,000 | 2,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,733 |
| Cash dividends | $1,400,000 | 1,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,665,790 | 2,027 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,007,000 | 1,797 |
| Total interest expense | $2,640,000 | 1,865 |
| Net interest income | $3,367,000 | 1,716 |
| Provision for loan and lease losses | $80,000 | 2,339 |
| Total noninterest income | $757,000 | 1,633 |
| Gross Fiduciary activities income | $1,000 | 1,263 |
| Service charges on deposit accounts | $399,000 | 1,077 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $357,000 | 1,734 |
| Total noninterest expense | $2,874,000 | 1,601 |
| Salaries and employee benefits | $1,455,000 | 1,781 |
| Premises and equipment expense | $519,000 | 1,295 |
| Additional noninterest expense | $900,000 | 1,487 |
| Pre-tax net operating income | $1,170,000 | 1,902 |
| Securities gains (losses) | $-559,000 | 8,613 |
| Applicable income taxes | $89,000 | 3,431 |
| Income before extraordinary items | $522,000 | 2,927 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $522,000 | 2,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 1,168 |
| Cash dividends | $700,000 | 1,071 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $997,150 | 1,706 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $23,707,000 | 1,706 |
| Total interest expense | $9,791,000 | 1,712 |
| Net interest income | $13,916,000 | 1,644 |
| Provision for loan and lease losses | $475,000 | 1,995 |
| Total noninterest income | $2,464,000 | 1,902 |
| Gross Fiduciary activities income | $38,000 | 1,063 |
| Service charges on deposit accounts | $1,452,000 | 1,225 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $974,000 | 2,271 |
| Total noninterest expense | $10,452,000 | 1,698 |
| Salaries and employee benefits | $5,727,000 | 1,702 |
| Premises and equipment expense | $2,079,000 | 1,243 |
| Additional noninterest expense | $2,646,000 | 2,004 |
| Pre-tax net operating income | $5,453,000 | 1,752 |
| Securities gains (losses) | $-30,000 | 7,718 |
| Applicable income taxes | $1,459,000 | 1,701 |
| Income before extraordinary items | $3,964,000 | 1,803 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,964,000 | 1,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,158 |
| Cash dividends | $2,500,000 | 1,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,985,900 | 1,774 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,634,000 | 1,705 |
| Total interest expense | $7,160,000 | 1,708 |
| Net interest income | $10,474,000 | 1,653 |
| Provision for loan and lease losses | $210,000 | 2,785 |
| Total noninterest income | $1,797,000 | 1,953 |
| Gross Fiduciary activities income | $29,000 | 1,056 |
| Service charges on deposit accounts | $1,045,000 | 1,282 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $723,000 | 2,283 |
| Total noninterest expense | $7,886,000 | 1,696 |
| Salaries and employee benefits | $4,397,000 | 1,677 |
| Premises and equipment expense | $1,524,000 | 1,279 |
| Additional noninterest expense | $1,965,000 | 1,986 |
| Pre-tax net operating income | $4,175,000 | 1,774 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $1,136,000 | 1,717 |
| Income before extraordinary items | $3,037,000 | 1,814 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,037,000 | 1,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 1,378 |
| Cash dividends | $1,500,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,038,460 | 1,794 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,561,000 | 1,690 |
| Total interest expense | $4,583,000 | 1,692 |
| Net interest income | $6,978,000 | 1,653 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $1,184,000 | 1,976 |
| Gross Fiduciary activities income | $20,000 | 1,071 |
| Service charges on deposit accounts | $673,000 | 1,317 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $491,000 | 2,240 |
| Total noninterest expense | $5,252,000 | 1,708 |
| Salaries and employee benefits | $2,949,000 | 1,673 |
| Premises and equipment expense | $992,000 | 1,307 |
| Additional noninterest expense | $1,311,000 | 2,002 |
| Pre-tax net operating income | $2,790,000 | 1,780 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $759,000 | 1,743 |
| Income before extraordinary items | $2,031,000 | 1,802 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,031,000 | 1,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,031,000 | 1,788 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,716,000 | 1,670 |
| Total interest expense | $2,238,000 | 1,649 |
| Net interest income | $3,478,000 | 1,654 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $600,000 | 1,936 |
| Gross Fiduciary activities income | $9,000 | 1,079 |
| Service charges on deposit accounts | $327,000 | 1,310 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $264,000 | 2,128 |
| Total noninterest expense | $2,642,000 | 1,698 |
| Salaries and employee benefits | $1,458,000 | 1,698 |
| Premises and equipment expense | $487,000 | 1,335 |
| Additional noninterest expense | $697,000 | 1,875 |
| Pre-tax net operating income | $1,376,000 | 1,759 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $372,000 | 1,746 |
| Income before extraordinary items | $1,004,000 | 1,784 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,004,000 | 1,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 2,694 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,004,000 | 1,772 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $22,000,000 | 1,517 |
| Total interest expense | $8,121,000 | 1,396 |
| Net interest income | $13,879,000 | 1,580 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $2,352,000 | 1,970 |
| Gross Fiduciary activities income | $41,000 | 1,072 |
| Service charges on deposit accounts | $1,388,000 | 1,280 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $923,000 | 2,327 |
| Total noninterest expense | $11,530,000 | 1,490 |
| Salaries and employee benefits | $6,726,000 | 1,381 |
| Premises and equipment expense | $2,022,000 | 1,220 |
| Additional noninterest expense | $2,782,000 | 1,815 |
| Pre-tax net operating income | $4,401,000 | 2,070 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $963,000 | 2,313 |
| Income before extraordinary items | $3,438,000 | 1,993 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,438,000 | 1,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 2,642 |
| Cash dividends | $2,100,000 | 1,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,438,000 | 1,970 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,225,000 | 1,501 |
| Total interest expense | $5,875,000 | 1,369 |
| Net interest income | $10,350,000 | 1,570 |
| Provision for loan and lease losses | $240,000 | 2,610 |
| Total noninterest income | $1,781,000 | 1,952 |
| Gross Fiduciary activities income | $31,000 | 1,060 |
| Service charges on deposit accounts | $1,048,000 | 1,252 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $702,000 | 2,316 |
| Total noninterest expense | $8,418,000 | 1,519 |
| Salaries and employee benefits | $4,866,000 | 1,423 |
| Premises and equipment expense | $1,489,000 | 1,224 |
| Additional noninterest expense | $2,063,000 | 1,814 |
| Pre-tax net operating income | $3,473,000 | 1,995 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $752,000 | 2,297 |
| Income before extraordinary items | $2,721,000 | 1,927 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,721,000 | 1,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 2,959 |
| Cash dividends | $1,600,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,721,000 | 1,891 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,567,000 | 1,492 |
| Total interest expense | $3,689,000 | 1,367 |
| Net interest income | $6,878,000 | 1,558 |
| Provision for loan and lease losses | $180,000 | 2,307 |
| Total noninterest income | $1,154,000 | 1,971 |
| Gross Fiduciary activities income | $21,000 | 1,064 |
| Service charges on deposit accounts | $672,000 | 1,271 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $461,000 | 2,308 |
| Total noninterest expense | $5,557,000 | 1,528 |
| Salaries and employee benefits | $3,172,000 | 1,457 |
| Premises and equipment expense | $972,000 | 1,236 |
| Additional noninterest expense | $1,413,000 | 1,751 |
| Pre-tax net operating income | $2,295,000 | 1,965 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $451,000 | 2,421 |
| Income before extraordinary items | $1,844,000 | 1,855 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,844,000 | 1,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,582 |
| Cash dividends | $850,000 | 1,501 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,844,000 | 1,817 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,154,000 | 1,502 |
| Total interest expense | $1,764,000 | 1,355 |
| Net interest income | $3,390,000 | 1,566 |
| Provision for loan and lease losses | $90,000 | 2,180 |
| Total noninterest income | $588,000 | 1,911 |
| Gross Fiduciary activities income | $10,000 | 1,066 |
| Service charges on deposit accounts | $325,000 | 1,260 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $253,000 | 2,135 |
| Total noninterest expense | $2,797,000 | 1,511 |
| Salaries and employee benefits | $1,592,000 | 1,457 |
| Premises and equipment expense | $493,000 | 1,225 |
| Additional noninterest expense | $712,000 | 1,731 |
| Pre-tax net operating income | $1,091,000 | 2,018 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $142,000 | 3,192 |
| Income before extraordinary items | $949,000 | 1,779 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $949,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,643 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $949,000 | 1,739 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,774,000 | 1,453 |
| Total interest expense | $6,233,000 | 1,324 |
| Net interest income | $13,541,000 | 1,493 |
| Provision for loan and lease losses | $390,000 | 2,417 |
| Total noninterest income | $2,566,000 | 1,831 |
| Gross Fiduciary activities income | $43,000 | 1,083 |
| Service charges on deposit accounts | $1,351,000 | 1,318 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,172,000 | 1,942 |
| Total noninterest expense | $11,815,000 | 1,387 |
| Salaries and employee benefits | $6,900,000 | 1,274 |
| Premises and equipment expense | $1,894,000 | 1,208 |
| Additional noninterest expense | $3,021,000 | 1,616 |
| Pre-tax net operating income | $3,902,000 | 2,105 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $893,000 | 2,355 |
| Income before extraordinary items | $3,009,000 | 2,071 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,009,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $223,000 | 2,418 |
| Cash dividends | $1,700,000 | 1,570 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,009,000 | 2,029 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,774,000 | 1,446 |
| Total interest expense | $4,600,000 | 1,307 |
| Net interest income | $10,174,000 | 1,483 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $1,904,000 | 1,861 |
| Gross Fiduciary activities income | $35,000 | 1,066 |
| Service charges on deposit accounts | $1,002,000 | 1,339 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $867,000 | 1,970 |
| Total noninterest expense | $8,961,000 | 1,371 |
| Salaries and employee benefits | $5,372,000 | 1,216 |
| Premises and equipment expense | $1,393,000 | 1,238 |
| Additional noninterest expense | $2,196,000 | 1,646 |
| Pre-tax net operating income | $2,757,000 | 2,211 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $609,000 | 2,546 |
| Income before extraordinary items | $2,148,000 | 2,180 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,148,000 | 2,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,031 |
| Cash dividends | $850,000 | 1,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,148,000 | 2,126 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,791,000 | 1,442 |
| Total interest expense | $3,011,000 | 1,317 |
| Net interest income | $6,780,000 | 1,472 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $1,294,000 | 1,804 |
| Gross Fiduciary activities income | $24,000 | 1,070 |
| Service charges on deposit accounts | $643,000 | 1,377 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $627,000 | 1,863 |
| Total noninterest expense | $6,065,000 | 1,343 |
| Salaries and employee benefits | $3,762,000 | 1,156 |
| Premises and equipment expense | $907,000 | 1,269 |
| Additional noninterest expense | $1,396,000 | 1,713 |
| Pre-tax net operating income | $1,769,000 | 2,264 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $380,000 | 2,652 |
| Income before extraordinary items | $1,389,000 | 2,219 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,389,000 | 2,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,376 |
| Cash dividends | $850,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,389,000 | 2,154 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 1,470 |
| Total interest expense | $1,524,000 | 1,311 |
| Net interest income | $3,311,000 | 1,505 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $554,000 | 2,010 |
| Gross Fiduciary activities income | $12,000 | 1,071 |
| Service charges on deposit accounts | $314,000 | 1,367 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $228,000 | 2,268 |
| Total noninterest expense | $2,907,000 | 1,411 |
| Salaries and employee benefits | $1,753,000 | 1,263 |
| Premises and equipment expense | $459,000 | 1,269 |
| Additional noninterest expense | $695,000 | 1,709 |
| Pre-tax net operating income | $838,000 | 2,331 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $170,000 | 2,851 |
| Income before extraordinary items | $668,000 | 2,268 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $668,000 | 2,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $668,000 | 2,185 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,565,000 | 1,464 |
| Total interest expense | $6,167,000 | 1,442 |
| Net interest income | $13,398,000 | 1,447 |
| Provision for loan and lease losses | $670,000 | 1,681 |
| Total noninterest income | $2,547,000 | 1,917 |
| Gross Fiduciary activities income | $42,000 | 1,106 |
| Service charges on deposit accounts | $1,356,000 | 1,281 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,149,000 | 2,182 |
| Total noninterest expense | $11,520,000 | 1,392 |
| Salaries and employee benefits | $6,876,000 | 1,244 |
| Premises and equipment expense | $1,773,000 | 1,287 |
| Additional noninterest expense | $2,871,000 | 1,687 |
| Pre-tax net operating income | $3,755,000 | 2,073 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $865,000 | 2,396 |
| Income before extraordinary items | $2,890,000 | 2,100 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,890,000 | 2,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $729,000 | 1,184 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,890,000 | 2,008 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,695,000 | 1,493 |
| Total interest expense | $4,680,000 | 1,489 |
| Net interest income | $10,015,000 | 1,469 |
| Provision for loan and lease losses | $330,000 | 2,341 |
| Total noninterest income | $1,988,000 | 1,909 |
| Gross Fiduciary activities income | $33,000 | 1,088 |
| Service charges on deposit accounts | $1,007,000 | 1,301 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $948,000 | 2,125 |
| Total noninterest expense | $8,578,000 | 1,415 |
| Salaries and employee benefits | $5,036,000 | 1,294 |
| Premises and equipment expense | $1,301,000 | 1,320 |
| Additional noninterest expense | $2,241,000 | 1,629 |
| Pre-tax net operating income | $3,095,000 | 1,997 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $920,000 | 1,986 |
| Income before extraordinary items | $2,175,000 | 2,162 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,175,000 | 2,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,150 |
| Cash dividends | $1,250,000 | 1,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,175,000 | 2,052 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,904,000 | 1,489 |
| Total interest expense | $3,155,000 | 1,523 |
| Net interest income | $6,749,000 | 1,450 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $1,291,000 | 1,934 |
| Gross Fiduciary activities income | $23,000 | 1,090 |
| Service charges on deposit accounts | $649,000 | 1,324 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $619,000 | 2,152 |
| Total noninterest expense | $5,505,000 | 1,458 |
| Salaries and employee benefits | $3,220,000 | 1,355 |
| Premises and equipment expense | $850,000 | 1,350 |
| Additional noninterest expense | $1,435,000 | 1,678 |
| Pre-tax net operating income | $2,265,000 | 1,834 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $728,000 | 1,760 |
| Income before extraordinary items | $1,537,000 | 2,065 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,537,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 2,166 |
| Cash dividends | $1,250,000 | 1,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,537,000 | 1,942 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,903,000 | 1,519 |
| Total interest expense | $1,570,000 | 1,575 |
| Net interest income | $3,333,000 | 1,457 |
| Provision for loan and lease losses | $135,000 | 1,910 |
| Total noninterest income | $635,000 | 1,913 |
| Gross Fiduciary activities income | $14,000 | 1,078 |
| Service charges on deposit accounts | $318,000 | 1,314 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $303,000 | 2,095 |
| Total noninterest expense | $2,709,000 | 1,466 |
| Salaries and employee benefits | $1,602,000 | 1,354 |
| Premises and equipment expense | $423,000 | 1,366 |
| Additional noninterest expense | $684,000 | 1,726 |
| Pre-tax net operating income | $1,124,000 | 1,848 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $313,000 | 1,992 |
| Income before extraordinary items | $811,000 | 1,952 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $811,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $811,000 | 1,842 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,809,000 | 1,556 |
| Total interest expense | $7,214,000 | 1,573 |
| Net interest income | $12,595,000 | 1,539 |
| Provision for loan and lease losses | $1,025,000 | 1,319 |
| Total noninterest income | $2,222,000 | 1,954 |
| Gross Fiduciary activities income | $41,000 | 1,154 |
| Service charges on deposit accounts | $1,274,000 | 1,270 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $907,000 | 2,316 |
| Total noninterest expense | $10,544,000 | 1,459 |
| Salaries and employee benefits | $5,692,000 | 1,430 |
| Premises and equipment expense | $1,715,000 | 1,274 |
| Additional noninterest expense | $3,137,000 | 1,511 |
| Pre-tax net operating income | $3,248,000 | 2,341 |
| Securities gains (losses) | $154,000 | 1,367 |
| Applicable income taxes | $952,000 | 2,293 |
| Income before extraordinary items | $2,450,000 | 2,394 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,450,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,004,000 | 969 |
| Cash dividends | $1,500,000 | 1,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,339,120 | 2,388 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $21,270,000 | 1,591 |
| Total interest expense | $9,243,000 | 1,760 |
| Net interest income | $12,027,000 | 1,484 |
| Provision for loan and lease losses | $525,000 | 2,118 |
| Total noninterest income | $2,219,000 | 1,852 |
| Gross Fiduciary activities income | $72,000 | 1,069 |
| Service charges on deposit accounts | $1,249,000 | 1,192 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $898,000 | 2,207 |
| Total noninterest expense | $8,889,000 | 1,640 |
| Salaries and employee benefits | $4,800,000 | 1,573 |
| Premises and equipment expense | $1,627,000 | 1,316 |
| Additional noninterest expense | $2,462,000 | 1,857 |
| Pre-tax net operating income | $4,832,000 | 1,489 |
| Securities gains (losses) | $129,000 | 1,533 |
| Applicable income taxes | $1,541,000 | 1,465 |
| Income before extraordinary items | $3,420,000 | 1,556 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,420,000 | 1,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $301,000 | 2,237 |
| Cash dividends | $1,550,000 | 1,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,330,990 | 1,521 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $21,445,000 | 1,606 |
| Total interest expense | $10,417,000 | 1,649 |
| Net interest income | $11,028,000 | 1,588 |
| Provision for loan and lease losses | $969,000 | 1,101 |
| Total noninterest income | $2,968,000 | 1,363 |
| Gross Fiduciary activities income | $80,000 | 978 |
| Service charges on deposit accounts | $1,250,000 | 1,085 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,638,000 | 1,288 |
| Total noninterest expense | $8,985,000 | 1,559 |
| Salaries and employee benefits | $4,756,000 | 1,492 |
| Premises and equipment expense | $1,654,000 | 1,228 |
| Additional noninterest expense | $2,575,000 | 1,725 |
| Pre-tax net operating income | $4,042,000 | 1,806 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $1,000,000 | 2,120 |
| Income before extraordinary items | $3,039,000 | 1,729 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,039,000 | 1,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,155 |
| Cash dividends | $1,550,000 | 1,620 |
| Sale, conversion, retirement of capital stock, net | $3,696,000 | 273 |
| Net operating income | $3,041,250 | 1,721 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,068,000 | 2,315 |
| Total interest expense | $5,869,000 | 2,510 |
| Net interest income | $8,199,000 | 2,143 |
| Provision for loan and lease losses | $275,000 | 2,860 |
| Total noninterest income | $2,011,000 | 1,848 |
| Gross Fiduciary activities income | $81,000 | 1,025 |
| Service charges on deposit accounts | $1,096,000 | 1,211 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $834,000 | 2,101 |
| Total noninterest expense | $6,332,000 | 2,147 |
| Salaries and employee benefits | $3,332,000 | 2,104 |
| Premises and equipment expense | $1,139,000 | 1,794 |
| Additional noninterest expense | $1,861,000 | 2,346 |
| Pre-tax net operating income | $3,603,000 | 2,027 |
| Securities gains (losses) | $4,000 | 2,267 |
| Applicable income taxes | $1,204,000 | 1,918 |
| Income before extraordinary items | $2,403,000 | 2,184 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,403,000 | 2,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $186,000 | 2,502 |
| Cash dividends | $1,400,000 | 1,771 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,400,320 | 2,154 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,031,000 | 2,507 |
| Total interest expense | $5,820,000 | 2,601 |
| Net interest income | $7,211,000 | 2,363 |
| Provision for loan and lease losses | $162,000 | 3,991 |
| Total noninterest income | $1,545,000 | 2,222 |
| Gross Fiduciary activities income | $82,000 | 1,046 |
| Service charges on deposit accounts | $759,000 | 1,673 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $704,000 | 2,379 |
| Total noninterest expense | $5,000,000 | 2,614 |
| Salaries and employee benefits | $2,636,000 | 2,563 |
| Premises and equipment expense | $945,000 | 2,060 |
| Additional noninterest expense | $1,419,000 | 2,916 |
| Pre-tax net operating income | $3,594,000 | 2,022 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,195,000 | 1,999 |
| Income before extraordinary items | $2,399,000 | 2,181 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,399,000 | 2,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,781 |
| Cash dividends | $2,262,000 | 1,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,399,000 | 2,110 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,083,000 | 2,707 |
| Total interest expense | $5,243,000 | 2,856 |
| Net interest income | $6,840,000 | 2,537 |
| Provision for loan and lease losses | $160,000 | 3,978 |
| Total noninterest income | $1,482,000 | 2,214 |
| Gross Fiduciary activities income | $59,000 | 1,147 |
| Service charges on deposit accounts | $669,000 | 1,957 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $754,000 | 2,108 |
| Total noninterest expense | $4,520,000 | 2,806 |
| Salaries and employee benefits | $2,462,000 | 2,690 |
| Premises and equipment expense | $873,000 | 2,254 |
| Additional noninterest expense | $1,185,000 | 3,396 |
| Pre-tax net operating income | $3,642,000 | 2,065 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,223,000 | 2,044 |
| Income before extraordinary items | $2,419,000 | 2,176 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,419,000 | 2,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,684 |
| Cash dividends | $1,076,000 | 2,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,419,000 | 2,120 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,478,000 | 2,881 |
| Total interest expense | $5,167,000 | 2,907 |
| Net interest income | $6,311,000 | 2,797 |
| Provision for loan and lease losses | $50,000 | 6,559 |
| Total noninterest income | $1,406,000 | 2,414 |
| Gross Fiduciary activities income | $57,000 | 1,210 |
| Service charges on deposit accounts | $646,000 | 2,092 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $703,000 | 2,291 |
| Total noninterest expense | $4,680,000 | 2,910 |
| Salaries and employee benefits | $2,225,000 | 2,995 |
| Premises and equipment expense | $788,000 | 2,492 |
| Additional noninterest expense | $1,667,000 | 2,855 |
| Pre-tax net operating income | $2,987,000 | 2,385 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $896,000 | 2,588 |
| Income before extraordinary items | $2,091,000 | 2,358 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,091,000 | 2,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 3,170 |
| Cash dividends | $953,000 | 2,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,091,000 | 2,308 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,140,000 | 2,978 |
| Total interest expense | $5,186,000 | 2,938 |
| Net interest income | $5,954,000 | 2,993 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $1,415,000 | 2,390 |
| Gross Fiduciary activities income | $54,000 | 1,273 |
| Service charges on deposit accounts | $573,000 | 2,360 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $788,000 | 2,129 |
| Total noninterest expense | $4,098,000 | 3,248 |
| Salaries and employee benefits | $2,117,000 | 3,130 |
| Premises and equipment expense | $726,000 | 2,716 |
| Additional noninterest expense | $1,255,000 | 3,601 |
| Pre-tax net operating income | $3,096,000 | 2,365 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $966,000 | 2,469 |
| Income before extraordinary items | $2,130,000 | 2,368 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,130,000 | 2,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 2,473 |
| Cash dividends | $855,000 | 2,306 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,130,000 | 2,340 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $9,940,000 | 3,048 |
| Total interest expense | $4,117,000 | 2,956 |
| Net interest income | $5,823,000 | 3,087 |
| Provision for loan and lease losses | $100,000 | 4,522 |
| Total noninterest income | $1,524,000 | 2,263 |
| Gross Fiduciary activities income | $46,000 | 1,319 |
| Service charges on deposit accounts | $564,000 | 2,416 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $914,000 | 1,956 |
| Total noninterest expense | $4,233,000 | 3,241 |
| Salaries and employee benefits | $2,129,000 | 3,098 |
| Premises and equipment expense | $671,000 | 2,935 |
| Additional noninterest expense | $1,433,000 | 3,457 |
| Pre-tax net operating income | $3,014,000 | 2,365 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $907,000 | 2,459 |
| Income before extraordinary items | $2,107,000 | 2,304 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,107,000 | 2,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $815,000 | 2,241 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,107,000 | 2,328 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,777,000 | 3,919 |
| Total interest expense | $2,936,000 | 4,185 |
| Net interest income | $4,841,000 | 3,678 |
| Provision for loan and lease losses | $75,000 | 6,449 |
| Total noninterest income | $1,222,000 | 2,870 |
| Gross Fiduciary activities income | $30,000 | 1,411 |
| Service charges on deposit accounts | $534,000 | 2,601 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $658,000 | 2,708 |
| Total noninterest expense | $3,585,000 | 3,831 |
| Salaries and employee benefits | $1,755,000 | 3,700 |
| Premises and equipment expense | $604,000 | 3,308 |
| Additional noninterest expense | $1,226,000 | 4,116 |
| Pre-tax net operating income | $2,403,000 | 2,813 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $637,000 | 3,411 |
| Income before extraordinary items | $1,766,000 | 2,808 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,766,000 | 2,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 4,062 |
| Cash dividends | $650,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,766,000 | 2,661 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,722,000 | 4,997 |
| Total interest expense | $2,726,000 | 5,597 |
| Net interest income | $3,996,000 | 4,446 |
| Provision for loan and lease losses | $25,000 | 10,242 |
| Total noninterest income | $644,000 | 4,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $455,000 | 3,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,859 |
| Total noninterest expense | $2,944,000 | 4,622 |
| Salaries and employee benefits | $1,501,000 | 4,227 |
| Premises and equipment expense | $589,000 | 3,416 |
| Additional noninterest expense | $854,000 | 5,770 |
| Pre-tax net operating income | $1,671,000 | 3,677 |
| Securities gains (losses) | $312,000 | 1,498 |
| Applicable income taxes | $675,000 | 3,095 |
| Income before extraordinary items | $1,308,000 | 3,503 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,308,000 | 3,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 10,714 |
| Cash dividends | $450,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,102,080 | 3,814 |
* 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.