Home > Byron Bank > Income and Expense
Byron Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $19,382,000 | 793 |
| Total interest expense | $4,891,000 | 912 |
| Net interest income | $14,491,000 | 758 |
| Provision for loan and lease losses | $3,400,000 | 858 |
| Total noninterest income | $4,544,000 | 654 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $1,560,000 | 479 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $2,984,000 | 600 |
| Total noninterest expense | $12,623,000 | 783 |
| Salaries and employee benefits | $6,576,000 | 728 |
| Premises and equipment expense | $1,460,000 | 901 |
| Additional noninterest expense | $4,587,000 | 780 |
| Pre-tax net operating income | $3,012,000 | 904 |
| Securities gains (losses) | $1,023,000 | 257 |
| Applicable income taxes | $1,097,000 | 667 |
| Income before extraordinary items | $2,938,000 | 764 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,938,000 | 760 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $2,938,000 | 764 |
| Net charge-offs | $2,333,000 | 1,009 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $2,191,210 | 979 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $9,438,000 | 837 |
| Total interest expense | $2,908,000 | 786 |
| Net interest income | $6,530,000 | 848 |
| Provision for loan and lease losses | $2,800,000 | 582 |
| Total noninterest income | $2,024,000 | 705 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $770,000 | 493 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,254,000 | 672 |
| Total noninterest expense | $5,510,000 | 906 |
| Salaries and employee benefits | $2,946,000 | 838 |
| Premises and equipment expense | $751,000 | 898 |
| Additional noninterest expense | $1,813,000 | 974 |
| Pre-tax net operating income | $244,000 | 3,719 |
| Securities gains (losses) | $3,000 | 1,999 |
| Applicable income taxes | $-75,000 | 7,405 |
| Income before extraordinary items | $322,000 | 3,005 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $322,000 | 3,001 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $322,000 | 3,005 |
| Net charge-offs | $251,000 | 2,222 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $319,000 | 2,911 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $39,722,000 | 848 |
| Total interest expense | $14,298,000 | 816 |
| Net interest income | $25,424,000 | 852 |
| Provision for loan and lease losses | $10,050,000 | 871 |
| Total noninterest income | $8,868,000 | 706 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $3,577,000 | 461 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $5,291,000 | 680 |
| Total noninterest expense | $24,721,000 | 854 |
| Salaries and employee benefits | $13,217,000 | 742 |
| Premises and equipment expense | $3,173,000 | 853 |
| Additional noninterest expense | $8,331,000 | 943 |
| Pre-tax net operating income | $-479,000 | 5,966 |
| Securities gains (losses) | $620,000 | 749 |
| Applicable income taxes | $-678,000 | 7,144 |
| Income before extraordinary items | $819,000 | 3,115 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $819,000 | 3,115 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $819,000 | 3,115 |
| Net charge-offs | $6,207,000 | 976 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $199,000 | 4,744 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $29,925,000 | 858 |
| Total interest expense | $11,152,000 | 826 |
| Net interest income | $18,773,000 | 873 |
| Provision for loan and lease losses | $6,850,000 | 838 |
| Total noninterest income | $7,051,000 | 679 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $2,686,000 | 460 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $4,365,000 | 653 |
| Total noninterest expense | $18,567,000 | 840 |
| Salaries and employee benefits | $9,913,000 | 746 |
| Premises and equipment expense | $2,408,000 | 850 |
| Additional noninterest expense | $6,246,000 | 900 |
| Pre-tax net operating income | $407,000 | 4,168 |
| Securities gains (losses) | $377,000 | 846 |
| Applicable income taxes | $-275,000 | 7,177 |
| Income before extraordinary items | $1,059,000 | 2,392 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,059,000 | 2,390 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,059,000 | 2,393 |
| Net charge-offs | $1,902,000 | 1,548 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $682,000 | 3,091 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $19,965,000 | 875 |
| Total interest expense | $7,738,000 | 837 |
| Net interest income | $12,227,000 | 892 |
| Provision for loan and lease losses | $2,350,000 | 1,275 |
| Total noninterest income | $5,122,000 | 646 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,752,000 | 471 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $3,370,000 | 595 |
| Total noninterest expense | $12,361,000 | 862 |
| Salaries and employee benefits | $6,623,000 | 759 |
| Premises and equipment expense | $1,628,000 | 864 |
| Additional noninterest expense | $4,110,000 | 929 |
| Pre-tax net operating income | $2,638,000 | 864 |
| Securities gains (losses) | $342,000 | 687 |
| Applicable income taxes | $655,000 | 867 |
| Income before extraordinary items | $2,325,000 | 803 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,325,000 | 801 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,325,000 | 803 |
| Net charge-offs | $941,000 | 1,684 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,058,240 | 890 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,997,000 | 884 |
| Total interest expense | $4,035,000 | 831 |
| Net interest income | $5,962,000 | 906 |
| Provision for loan and lease losses | $975,000 | 1,209 |
| Total noninterest income | $2,463,000 | 642 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $862,000 | 470 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,601,000 | 602 |
| Total noninterest expense | $6,097,000 | 834 |
| Salaries and employee benefits | $3,448,000 | 728 |
| Premises and equipment expense | $828,000 | 861 |
| Additional noninterest expense | $1,821,000 | 911 |
| Pre-tax net operating income | $1,353,000 | 939 |
| Securities gains (losses) | $335,000 | 465 |
| Applicable income taxes | $396,000 | 832 |
| Income before extraordinary items | $1,292,000 | 805 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,292,000 | 806 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,292,000 | 807 |
| Net charge-offs | $246,000 | 1,972 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,034,050 | 971 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $43,213,000 | 872 |
| Total interest expense | $18,928,000 | 842 |
| Net interest income | $24,285,000 | 880 |
| Provision for loan and lease losses | $4,955,000 | 1,004 |
| Total noninterest income | $7,878,000 | 719 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,931,000 | 444 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,947,000 | 777 |
| Total noninterest expense | $22,710,000 | 876 |
| Salaries and employee benefits | $12,506,000 | 791 |
| Premises and equipment expense | $3,151,000 | 879 |
| Additional noninterest expense | $7,053,000 | 907 |
| Pre-tax net operating income | $4,498,000 | 1,216 |
| Securities gains (losses) | $-3,174,000 | 8,010 |
| Applicable income taxes | $-299,000 | 7,325 |
| Income before extraordinary items | $1,623,000 | 2,375 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,623,000 | 2,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,833,000 | 1,045 |
| Cash dividends | $2,900,000 | 946 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,797,000 | 913 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $32,740,000 | 888 |
| Total interest expense | $14,449,000 | 858 |
| Net interest income | $18,291,000 | 888 |
| Provision for loan and lease losses | $3,005,000 | 902 |
| Total noninterest income | $6,032,000 | 741 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,949,000 | 450 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,083,000 | 811 |
| Total noninterest expense | $16,953,000 | 874 |
| Salaries and employee benefits | $9,546,000 | 797 |
| Premises and equipment expense | $2,326,000 | 892 |
| Additional noninterest expense | $5,081,000 | 896 |
| Pre-tax net operating income | $4,365,000 | 1,160 |
| Securities gains (losses) | $52,000 | 1,390 |
| Applicable income taxes | $938,000 | 1,214 |
| Income before extraordinary items | $3,479,000 | 1,066 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,479,000 | 1,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $960,000 | 1,341 |
| Cash dividends | $2,300,000 | 909 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,437,920 | 1,136 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $21,909,000 | 899 |
| Total interest expense | $9,700,000 | 884 |
| Net interest income | $12,209,000 | 885 |
| Provision for loan and lease losses | $1,605,000 | 904 |
| Total noninterest income | $4,260,000 | 725 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,923,000 | 442 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $2,337,000 | 756 |
| Total noninterest expense | $11,358,000 | 863 |
| Salaries and employee benefits | $6,441,000 | 798 |
| Premises and equipment expense | $1,515,000 | 900 |
| Additional noninterest expense | $3,402,000 | 873 |
| Pre-tax net operating income | $3,506,000 | 1,016 |
| Securities gains (losses) | $52,000 | 1,417 |
| Applicable income taxes | $830,000 | 1,091 |
| Income before extraordinary items | $2,728,000 | 1,003 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,728,000 | 1,003 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $753,000 | 1,013 |
| Cash dividends | $1,700,000 | 892 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,687,960 | 1,007 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $11,127,000 | 913 |
| Total interest expense | $5,128,000 | 892 |
| Net interest income | $5,999,000 | 891 |
| Provision for loan and lease losses | $675,000 | 823 |
| Total noninterest income | $2,180,000 | 704 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $916,000 | 458 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,264,000 | 698 |
| Total noninterest expense | $5,533,000 | 869 |
| Salaries and employee benefits | $3,169,000 | 814 |
| Premises and equipment expense | $725,000 | 950 |
| Additional noninterest expense | $1,639,000 | 876 |
| Pre-tax net operating income | $1,971,000 | 957 |
| Securities gains (losses) | $2,000 | 2,447 |
| Applicable income taxes | $474,000 | 1,053 |
| Income before extraordinary items | $1,499,000 | 1,004 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,499,000 | 1,006 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $558,000 | 662 |
| Cash dividends | $850,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,497,480 | 963 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $45,996,000 | 912 |
| Total interest expense | $22,571,000 | 875 |
| Net interest income | $23,425,000 | 938 |
| Provision for loan and lease losses | $1,221,000 | 1,234 |
| Total noninterest income | $8,165,000 | 727 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,995,000 | 437 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,170,000 | 801 |
| Total noninterest expense | $21,240,000 | 878 |
| Salaries and employee benefits | $12,393,000 | 795 |
| Premises and equipment expense | $2,715,000 | 952 |
| Additional noninterest expense | $6,132,000 | 918 |
| Pre-tax net operating income | $9,129,000 | 929 |
| Securities gains (losses) | $12,000 | 1,280 |
| Applicable income taxes | $2,353,000 | 983 |
| Income before extraordinary items | $6,788,000 | 962 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,788,000 | 960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,723,000 | 688 |
| Cash dividends | $3,400,000 | 1,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,779,120 | 951 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $34,441,000 | 917 |
| Total interest expense | $16,825,000 | 881 |
| Net interest income | $17,616,000 | 948 |
| Provision for loan and lease losses | $659,000 | 1,262 |
| Total noninterest income | $5,938,000 | 753 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,922,000 | 439 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,016,000 | 823 |
| Total noninterest expense | $15,700,000 | 877 |
| Salaries and employee benefits | $9,181,000 | 805 |
| Premises and equipment expense | $2,036,000 | 946 |
| Additional noninterest expense | $4,483,000 | 913 |
| Pre-tax net operating income | $7,195,000 | 959 |
| Securities gains (losses) | $10,000 | 1,001 |
| Applicable income taxes | $1,904,000 | 1,002 |
| Income before extraordinary items | $5,301,000 | 986 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $5,301,000 | 984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,548 |
| Cash dividends | $2,550,000 | 1,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $5,293,600 | 974 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $22,603,000 | 942 |
| Total interest expense | $10,899,000 | 914 |
| Net interest income | $11,704,000 | 964 |
| Provision for loan and lease losses | $497,000 | 1,041 |
| Total noninterest income | $3,907,000 | 791 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,895,000 | 458 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,012,000 | 848 |
| Total noninterest expense | $10,316,000 | 906 |
| Salaries and employee benefits | $6,108,000 | 827 |
| Premises and equipment expense | $1,364,000 | 954 |
| Additional noninterest expense | $2,844,000 | 980 |
| Pre-tax net operating income | $4,798,000 | 998 |
| Securities gains (losses) | $10,000 | 866 |
| Applicable income taxes | $1,281,000 | 1,047 |
| Income before extraordinary items | $3,527,000 | 1,026 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,527,000 | 1,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 1,434 |
| Cash dividends | $1,700,000 | 1,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,519,700 | 1,010 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,023,000 | 960 |
| Total interest expense | $5,327,000 | 918 |
| Net interest income | $5,696,000 | 981 |
| Provision for loan and lease losses | $160,000 | 1,363 |
| Total noninterest income | $1,900,000 | 787 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $896,000 | 469 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,004,000 | 841 |
| Total noninterest expense | $5,039,000 | 929 |
| Salaries and employee benefits | $2,980,000 | 851 |
| Premises and equipment expense | $679,000 | 966 |
| Additional noninterest expense | $1,380,000 | 995 |
| Pre-tax net operating income | $2,397,000 | 981 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $647,000 | 1,042 |
| Income before extraordinary items | $1,755,000 | 1,003 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,755,000 | 1,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,087 |
| Cash dividends | $850,000 | 932 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,751,350 | 988 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $40,998,000 | 951 |
| Total interest expense | $18,074,000 | 925 |
| Net interest income | $22,924,000 | 970 |
| Provision for loan and lease losses | $540,000 | 1,783 |
| Total noninterest income | $6,396,000 | 892 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $2,792,000 | 611 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,604,000 | 875 |
| Total noninterest expense | $18,771,000 | 947 |
| Salaries and employee benefits | $11,308,000 | 858 |
| Premises and equipment expense | $2,478,000 | 1,010 |
| Additional noninterest expense | $4,985,000 | 1,067 |
| Pre-tax net operating income | $10,009,000 | 977 |
| Securities gains (losses) | $18,000 | 936 |
| Applicable income taxes | $2,948,000 | 955 |
| Income before extraordinary items | $7,079,000 | 1,050 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $7,079,000 | 1,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 2,252 |
| Cash dividends | $3,000,000 | 1,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $7,066,220 | 1,042 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $30,067,000 | 971 |
| Total interest expense | $12,922,000 | 941 |
| Net interest income | $17,145,000 | 989 |
| Provision for loan and lease losses | $420,000 | 1,622 |
| Total noninterest income | $4,542,000 | 951 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,771,000 | 759 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,771,000 | 873 |
| Total noninterest expense | $13,940,000 | 963 |
| Salaries and employee benefits | $8,455,000 | 865 |
| Premises and equipment expense | $1,860,000 | 1,022 |
| Additional noninterest expense | $3,625,000 | 1,112 |
| Pre-tax net operating income | $7,327,000 | 1,045 |
| Securities gains (losses) | $16,000 | 804 |
| Applicable income taxes | $2,171,000 | 1,031 |
| Income before extraordinary items | $5,172,000 | 1,113 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,172,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,477 |
| Cash dividends | $2,250,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $5,160,800 | 1,109 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $19,409,000 | 988 |
| Total interest expense | $8,059,000 | 961 |
| Net interest income | $11,350,000 | 997 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $2,843,000 | 988 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $926,000 | 942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,917,000 | 848 |
| Total noninterest expense | $9,258,000 | 969 |
| Salaries and employee benefits | $5,633,000 | 872 |
| Premises and equipment expense | $1,244,000 | 1,014 |
| Additional noninterest expense | $2,381,000 | 1,137 |
| Pre-tax net operating income | $4,635,000 | 1,093 |
| Securities gains (losses) | $16,000 | 650 |
| Applicable income taxes | $1,363,000 | 1,082 |
| Income before extraordinary items | $3,288,000 | 1,167 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,288,000 | 1,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 1,900 |
| Cash dividends | $1,500,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,276,640 | 1,148 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,300,000 | 1,005 |
| Total interest expense | $3,710,000 | 978 |
| Net interest income | $5,590,000 | 1,017 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $1,301,000 | 1,043 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $405,000 | 1,060 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $896,000 | 884 |
| Total noninterest expense | $4,560,000 | 984 |
| Salaries and employee benefits | $2,734,000 | 895 |
| Premises and equipment expense | $611,000 | 1,038 |
| Additional noninterest expense | $1,215,000 | 1,105 |
| Pre-tax net operating income | $2,211,000 | 1,122 |
| Securities gains (losses) | $14,000 | 520 |
| Applicable income taxes | $648,000 | 1,118 |
| Income before extraordinary items | $1,577,000 | 1,182 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,577,000 | 1,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,503 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,567,060 | 1,170 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $32,017,000 | 1,031 |
| Total interest expense | $10,884,000 | 1,028 |
| Net interest income | $21,133,000 | 1,008 |
| Provision for loan and lease losses | $480,000 | 1,951 |
| Total noninterest income | $5,386,000 | 1,029 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,522,000 | 1,169 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,864,000 | 828 |
| Total noninterest expense | $17,266,000 | 977 |
| Salaries and employee benefits | $10,211,000 | 888 |
| Premises and equipment expense | $2,362,000 | 1,018 |
| Additional noninterest expense | $4,693,000 | 1,088 |
| Pre-tax net operating income | $8,773,000 | 1,106 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $2,570,000 | 1,100 |
| Income before extraordinary items | $6,199,000 | 1,166 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,199,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,561 |
| Cash dividends | $2,300,000 | 1,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,201,840 | 1,141 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $23,005,000 | 1,044 |
| Total interest expense | $7,682,000 | 1,023 |
| Net interest income | $15,323,000 | 1,036 |
| Provision for loan and lease losses | $360,000 | 1,866 |
| Total noninterest income | $4,024,000 | 1,043 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,096,000 | 1,203 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,928,000 | 828 |
| Total noninterest expense | $12,773,000 | 992 |
| Salaries and employee benefits | $7,428,000 | 909 |
| Premises and equipment expense | $1,795,000 | 992 |
| Additional noninterest expense | $3,550,000 | 1,066 |
| Pre-tax net operating income | $6,214,000 | 1,154 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $1,805,000 | 1,184 |
| Income before extraordinary items | $4,405,000 | 1,235 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,405,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,275 |
| Cash dividends | $1,700,000 | 1,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,407,840 | 1,204 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,726,000 | 1,056 |
| Total interest expense | $4,876,000 | 1,016 |
| Net interest income | $9,850,000 | 1,070 |
| Provision for loan and lease losses | $240,000 | 1,839 |
| Total noninterest income | $2,610,000 | 1,044 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $703,000 | 1,211 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,907,000 | 838 |
| Total noninterest expense | $8,400,000 | 991 |
| Salaries and employee benefits | $4,840,000 | 927 |
| Premises and equipment expense | $1,234,000 | 946 |
| Additional noninterest expense | $2,326,000 | 1,081 |
| Pre-tax net operating income | $3,820,000 | 1,221 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $1,094,000 | 1,270 |
| Income before extraordinary items | $2,722,000 | 1,292 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,722,000 | 1,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,762 |
| Cash dividends | $1,100,000 | 1,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,724,840 | 1,264 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,070,000 | 1,077 |
| Total interest expense | $2,288,000 | 1,021 |
| Net interest income | $4,782,000 | 1,093 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $1,271,000 | 1,038 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $336,000 | 1,219 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $935,000 | 825 |
| Total noninterest expense | $4,130,000 | 1,009 |
| Salaries and employee benefits | $2,367,000 | 942 |
| Premises and equipment expense | $620,000 | 958 |
| Additional noninterest expense | $1,143,000 | 1,084 |
| Pre-tax net operating income | $1,803,000 | 1,272 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $517,000 | 1,316 |
| Income before extraordinary items | $1,286,000 | 1,344 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,286,000 | 1,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,217 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,286,000 | 1,314 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $24,719,000 | 1,145 |
| Total interest expense | $8,498,000 | 960 |
| Net interest income | $16,221,000 | 1,243 |
| Provision for loan and lease losses | $-1,100,000 | 8,934 |
| Total noninterest income | $5,343,000 | 1,026 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,508,000 | 1,185 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,835,000 | 812 |
| Total noninterest expense | $16,527,000 | 992 |
| Salaries and employee benefits | $10,199,000 | 840 |
| Premises and equipment expense | $2,435,000 | 925 |
| Additional noninterest expense | $3,893,000 | 1,277 |
| Pre-tax net operating income | $6,137,000 | 1,404 |
| Securities gains (losses) | $82,000 | 1,383 |
| Applicable income taxes | $1,743,000 | 1,429 |
| Income before extraordinary items | $4,476,000 | 1,442 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,476,000 | 1,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $444,000 | 1,473 |
| Cash dividends | $2,150,000 | 1,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,416,960 | 1,414 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,167,000 | 1,149 |
| Total interest expense | $6,351,000 | 941 |
| Net interest income | $11,816,000 | 1,270 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $4,120,000 | 1,014 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,135,000 | 1,179 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,985,000 | 807 |
| Total noninterest expense | $12,445,000 | 980 |
| Salaries and employee benefits | $7,967,000 | 806 |
| Premises and equipment expense | $1,791,000 | 952 |
| Additional noninterest expense | $2,687,000 | 1,380 |
| Pre-tax net operating income | $3,491,000 | 1,811 |
| Securities gains (losses) | $33,000 | 1,968 |
| Applicable income taxes | $924,000 | 1,902 |
| Income before extraordinary items | $2,600,000 | 1,838 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,600,000 | 1,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $336,000 | 1,327 |
| Cash dividends | $1,350,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,575,580 | 1,812 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,978,000 | 1,149 |
| Total interest expense | $4,240,000 | 929 |
| Net interest income | $7,738,000 | 1,283 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $2,803,000 | 981 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $738,000 | 1,198 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,065,000 | 778 |
| Total noninterest expense | $8,266,000 | 981 |
| Salaries and employee benefits | $5,278,000 | 806 |
| Premises and equipment expense | $1,206,000 | 936 |
| Additional noninterest expense | $1,782,000 | 1,363 |
| Pre-tax net operating income | $2,275,000 | 1,845 |
| Securities gains (losses) | $6,000 | 2,670 |
| Applicable income taxes | $593,000 | 1,947 |
| Income before extraordinary items | $1,688,000 | 1,865 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,688,000 | 1,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,669 |
| Cash dividends | $600,000 | 1,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,683,560 | 1,819 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,990,000 | 1,166 |
| Total interest expense | $2,138,000 | 939 |
| Net interest income | $3,852,000 | 1,294 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $1,310,000 | 1,017 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $361,000 | 1,177 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $949,000 | 816 |
| Total noninterest expense | $4,046,000 | 1,010 |
| Salaries and employee benefits | $2,723,000 | 797 |
| Premises and equipment expense | $604,000 | 962 |
| Additional noninterest expense | $719,000 | 1,647 |
| Pre-tax net operating income | $1,116,000 | 1,837 |
| Securities gains (losses) | $5,000 | 2,336 |
| Applicable income taxes | $291,000 | 1,978 |
| Income before extraordinary items | $830,000 | 1,881 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $830,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,342 |
| Cash dividends | $600,000 | 1,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $826,300 | 1,802 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $26,599,000 | 1,061 |
| Total interest expense | $9,734,000 | 916 |
| Net interest income | $16,865,000 | 1,149 |
| Provision for loan and lease losses | $625,000 | 1,783 |
| Total noninterest income | $5,873,000 | 997 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,554,000 | 1,111 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,319,000 | 853 |
| Total noninterest expense | $16,534,000 | 992 |
| Salaries and employee benefits | $9,817,000 | 870 |
| Premises and equipment expense | $2,348,000 | 969 |
| Additional noninterest expense | $4,369,000 | 1,154 |
| Pre-tax net operating income | $5,579,000 | 1,482 |
| Securities gains (losses) | $98,000 | 1,917 |
| Applicable income taxes | $1,563,000 | 1,568 |
| Income before extraordinary items | $4,114,000 | 1,526 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,114,000 | 1,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $633,000 | 1,329 |
| Cash dividends | $1,125,000 | 2,146 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,043,440 | 1,480 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,438,000 | 1,051 |
| Total interest expense | $7,579,000 | 917 |
| Net interest income | $12,859,000 | 1,141 |
| Provision for loan and lease losses | $625,000 | 1,355 |
| Total noninterest income | $4,638,000 | 984 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,123,000 | 1,154 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,515,000 | 827 |
| Total noninterest expense | $12,719,000 | 969 |
| Salaries and employee benefits | $7,443,000 | 870 |
| Premises and equipment expense | $1,765,000 | 980 |
| Additional noninterest expense | $3,511,000 | 1,096 |
| Pre-tax net operating income | $4,153,000 | 1,527 |
| Securities gains (losses) | $4,000 | 3,690 |
| Applicable income taxes | $1,153,000 | 1,661 |
| Income before extraordinary items | $3,004,000 | 1,605 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,004,000 | 1,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $591,000 | 1,022 |
| Cash dividends | $500,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,001,120 | 1,538 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $14,103,000 | 1,028 |
| Total interest expense | $5,332,000 | 898 |
| Net interest income | $8,771,000 | 1,112 |
| Provision for loan and lease losses | $525,000 | 1,092 |
| Total noninterest income | $2,796,000 | 1,055 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $724,000 | 1,184 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,072,000 | 896 |
| Total noninterest expense | $8,547,000 | 964 |
| Salaries and employee benefits | $4,849,000 | 891 |
| Premises and equipment expense | $1,193,000 | 964 |
| Additional noninterest expense | $2,505,000 | 1,015 |
| Pre-tax net operating income | $2,495,000 | 1,678 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $682,000 | 1,853 |
| Income before extraordinary items | $1,814,000 | 1,779 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,814,000 | 1,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $490,000 | 862 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,813,270 | 1,662 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $7,130,000 | 1,029 |
| Total interest expense | $2,770,000 | 886 |
| Net interest income | $4,360,000 | 1,121 |
| Provision for loan and lease losses | $525,000 | 600 |
| Total noninterest income | $1,318,000 | 1,081 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $321,000 | 1,308 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $997,000 | 891 |
| Total noninterest expense | $4,272,000 | 955 |
| Salaries and employee benefits | $2,439,000 | 885 |
| Premises and equipment expense | $573,000 | 1,007 |
| Additional noninterest expense | $1,260,000 | 974 |
| Pre-tax net operating income | $881,000 | 2,281 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $216,000 | 2,567 |
| Income before extraordinary items | $665,000 | 2,304 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $665,000 | 2,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 531 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $665,000 | 2,179 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $32,024,000 | 951 |
| Total interest expense | $12,904,000 | 878 |
| Net interest income | $19,120,000 | 1,019 |
| Provision for loan and lease losses | $4,070,000 | 444 |
| Total noninterest income | $6,456,000 | 849 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,330,000 | 1,216 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,126,000 | 675 |
| Total noninterest expense | $16,170,000 | 967 |
| Salaries and employee benefits | $9,121,000 | 884 |
| Premises and equipment expense | $2,259,000 | 967 |
| Additional noninterest expense | $4,790,000 | 1,031 |
| Pre-tax net operating income | $5,336,000 | 1,536 |
| Securities gains (losses) | $39,000 | 2,625 |
| Applicable income taxes | $1,527,000 | 1,628 |
| Income before extraordinary items | $3,848,000 | 1,575 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,848,000 | 1,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,655,000 | 473 |
| Cash dividends | $1,480,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,819,920 | 1,534 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $36,129,000 | 947 |
| Total interest expense | $16,809,000 | 956 |
| Net interest income | $19,320,000 | 919 |
| Provision for loan and lease losses | $3,025,000 | 507 |
| Total noninterest income | $5,081,000 | 984 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,065,000 | 1,399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $4,016,000 | 771 |
| Total noninterest expense | $13,945,000 | 1,061 |
| Salaries and employee benefits | $7,716,000 | 973 |
| Premises and equipment expense | $2,079,000 | 1,013 |
| Additional noninterest expense | $4,150,000 | 1,154 |
| Pre-tax net operating income | $7,431,000 | 1,002 |
| Securities gains (losses) | $96,000 | 1,783 |
| Applicable income taxes | $1,599,000 | 1,417 |
| Income before extraordinary items | $5,928,000 | 923 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $5,928,000 | 923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $916,000 | 1,000 |
| Cash dividends | $1,972,000 | 1,364 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $5,852,160 | 900 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $33,184,000 | 1,066 |
| Total interest expense | $16,491,000 | 1,070 |
| Net interest income | $16,693,000 | 1,053 |
| Provision for loan and lease losses | $3,120,000 | 448 |
| Total noninterest income | $3,384,000 | 1,215 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,353,000 | 997 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,031,000 | 1,118 |
| Total noninterest expense | $11,951,000 | 1,167 |
| Salaries and employee benefits | $6,650,000 | 1,060 |
| Premises and equipment expense | $2,063,000 | 970 |
| Additional noninterest expense | $3,238,000 | 1,384 |
| Pre-tax net operating income | $5,006,000 | 1,480 |
| Securities gains (losses) | $-2,000 | 7,578 |
| Applicable income taxes | $1,106,000 | 1,956 |
| Income before extraordinary items | $3,898,000 | 1,359 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,898,000 | 1,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,797,000 | 506 |
| Cash dividends | $326,000 | 4,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,899,560 | 1,344 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $25,044,000 | 1,296 |
| Total interest expense | $10,528,000 | 1,423 |
| Net interest income | $14,516,000 | 1,215 |
| Provision for loan and lease losses | $1,250,000 | 814 |
| Total noninterest income | $3,088,000 | 1,319 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $822,000 | 1,612 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,266,000 | 1,049 |
| Total noninterest expense | $10,562,000 | 1,310 |
| Salaries and employee benefits | $5,933,000 | 1,160 |
| Premises and equipment expense | $1,728,000 | 1,164 |
| Additional noninterest expense | $2,901,000 | 1,550 |
| Pre-tax net operating income | $5,792,000 | 1,321 |
| Securities gains (losses) | $26,000 | 1,258 |
| Applicable income taxes | $1,629,000 | 1,486 |
| Income before extraordinary items | $4,189,000 | 1,295 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,189,000 | 1,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $579,000 | 1,084 |
| Cash dividends | $817,000 | 2,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,170,280 | 1,281 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $21,075,000 | 1,531 |
| Total interest expense | $8,916,000 | 1,721 |
| Net interest income | $12,159,000 | 1,386 |
| Provision for loan and lease losses | $400,000 | 2,051 |
| Total noninterest income | $2,455,000 | 1,561 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $588,000 | 2,191 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,867,000 | 1,213 |
| Total noninterest expense | $7,270,000 | 1,795 |
| Salaries and employee benefits | $3,918,000 | 1,694 |
| Premises and equipment expense | $1,143,000 | 1,730 |
| Additional noninterest expense | $2,209,000 | 1,918 |
| Pre-tax net operating income | $6,944,000 | 1,089 |
| Securities gains (losses) | $-6,000 | 10,112 |
| Applicable income taxes | $2,012,000 | 1,261 |
| Income before extraordinary items | $4,926,000 | 1,095 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,926,000 | 1,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,910 |
| Cash dividends | $2,363,000 | 1,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,930,260 | 1,049 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $18,585,000 | 1,783 |
| Total interest expense | $7,693,000 | 1,996 |
| Net interest income | $10,892,000 | 1,583 |
| Provision for loan and lease losses | $50,000 | 6,616 |
| Total noninterest income | $1,476,000 | 2,225 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $528,000 | 2,486 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $948,000 | 1,806 |
| Total noninterest expense | $5,743,000 | 2,248 |
| Salaries and employee benefits | $3,028,000 | 2,188 |
| Premises and equipment expense | $897,000 | 2,183 |
| Additional noninterest expense | $1,818,000 | 2,293 |
| Pre-tax net operating income | $6,575,000 | 1,200 |
| Securities gains (losses) | $66,000 | 1,184 |
| Applicable income taxes | $2,015,000 | 1,322 |
| Income before extraordinary items | $4,626,000 | 1,189 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,626,000 | 1,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-139,000 | 10,774 |
| Cash dividends | $4,543,000 | 680 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,579,800 | 1,171 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $17,480,000 | 1,936 |
| Total interest expense | $7,181,000 | 2,173 |
| Net interest income | $10,299,000 | 1,715 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,032,000 | 3,057 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $528,000 | 2,579 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $504,000 | 2,905 |
| Total noninterest expense | $5,117,000 | 2,665 |
| Salaries and employee benefits | $2,622,000 | 2,543 |
| Premises and equipment expense | $845,000 | 2,329 |
| Additional noninterest expense | $1,650,000 | 2,885 |
| Pre-tax net operating income | $6,214,000 | 1,174 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $1,852,000 | 1,325 |
| Income before extraordinary items | $4,375,000 | 1,163 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,375,000 | 1,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-71,000 | 11,137 |
| Cash dividends | $1,211,000 | 1,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,365,900 | 1,148 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,258,000 | 2,074 |
| Total interest expense | $6,637,000 | 2,341 |
| Net interest income | $9,621,000 | 1,853 |
| Provision for loan and lease losses | $275,000 | 2,402 |
| Total noninterest income | $923,000 | 3,301 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $499,000 | 2,732 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $424,000 | 3,195 |
| Total noninterest expense | $4,501,000 | 2,986 |
| Salaries and employee benefits | $2,170,000 | 3,071 |
| Premises and equipment expense | $788,000 | 2,514 |
| Additional noninterest expense | $1,543,000 | 3,015 |
| Pre-tax net operating income | $5,768,000 | 1,325 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $1,760,000 | 1,424 |
| Income before extraordinary items | $4,004,000 | 1,321 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,004,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $1,375,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,006,760 | 1,296 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,078,000 | 2,175 |
| Total interest expense | $5,374,000 | 2,301 |
| Net interest income | $8,704,000 | 2,072 |
| Provision for loan and lease losses | $170,000 | 3,353 |
| Total noninterest income | $831,000 | 3,597 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $538,000 | 2,540 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $293,000 | 4,145 |
| Total noninterest expense | $4,208,000 | 3,261 |
| Salaries and employee benefits | $1,993,000 | 3,295 |
| Premises and equipment expense | $722,000 | 2,756 |
| Additional noninterest expense | $1,493,000 | 3,306 |
| Pre-tax net operating income | $5,157,000 | 1,434 |
| Securities gains (losses) | $-48,000 | 10,996 |
| Applicable income taxes | $1,429,000 | 1,621 |
| Income before extraordinary items | $3,680,000 | 1,362 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,680,000 | 1,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,843 |
| Cash dividends | $744,000 | 2,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,714,560 | 1,360 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $12,771,000 | 2,417 |
| Total interest expense | $5,128,000 | 2,517 |
| Net interest income | $7,643,000 | 2,341 |
| Provision for loan and lease losses | $510,000 | 2,055 |
| Total noninterest income | $1,402,000 | 2,573 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $530,000 | 2,630 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $872,000 | 2,248 |
| Total noninterest expense | $3,749,000 | 3,696 |
| Salaries and employee benefits | $1,680,000 | 3,858 |
| Premises and equipment expense | $770,000 | 2,650 |
| Additional noninterest expense | $1,299,000 | 3,941 |
| Pre-tax net operating income | $4,786,000 | 1,467 |
| Securities gains (losses) | $121,000 | 2,242 |
| Applicable income taxes | $1,403,000 | 1,657 |
| Income before extraordinary items | $3,504,000 | 1,448 |
| Extraordinary gains, net | $-108,000 | 12,933 |
| Net income | $3,396,000 | 1,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,561 |
| Cash dividends | $522,000 | 2,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,418,090 | 1,398 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,891,000 | 2,731 |
| Total interest expense | $5,607,000 | 2,967 |
| Net interest income | $7,284,000 | 2,498 |
| Provision for loan and lease losses | $750,000 | 2,244 |
| Total noninterest income | $1,266,000 | 2,743 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $468,000 | 2,985 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $798,000 | 2,312 |
| Total noninterest expense | $3,434,000 | 3,994 |
| Salaries and employee benefits | $1,527,000 | 4,163 |
| Premises and equipment expense | $679,000 | 2,998 |
| Additional noninterest expense | $1,228,000 | 4,259 |
| Pre-tax net operating income | $4,366,000 | 1,456 |
| Securities gains (losses) | $135,000 | 2,548 |
| Applicable income taxes | $1,371,000 | 1,564 |
| Income before extraordinary items | $3,130,000 | 1,491 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,130,000 | 1,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $199,000 | 4,214 |
| Cash dividends | $414,000 | 3,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,035,500 | 1,415 |
* 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.