Home > Central Virginia Bank > Income and Expense
Central Virginia Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 5,033 |
| Total interest expense | $215,000 | 5,830 |
| Net interest income | $3,131,000 | 4,835 |
| Provision for loan and lease losses | $30,000 | 4,534 |
| Total noninterest income | $668,000 | 3,948 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $303,000 | 3,338 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $365,000 | 3,806 |
| Total noninterest expense | $2,766,000 | 4,799 |
| Salaries and employee benefits | $1,019,000 | 5,504 |
| Premises and equipment expense | $282,000 | 4,972 |
| Additional noninterest expense | $1,465,000 | 3,715 |
| Pre-tax net operating income | $1,003,000 | 4,083 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $352,000 | 2,476 |
| Income before extraordinary items | $651,000 | 4,550 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $651,000 | 4,554 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $651,000 | 4,554 |
| Net charge-offs | $-5,000 | 6,050 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $651,000 | 4,496 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $8,865,000 | 2,091 |
| Total interest expense | $2,732,000 | 972 |
| Net interest income | $6,133,000 | 2,565 |
| Provision for loan and lease losses | $700,000 | 1,182 |
| Total noninterest income | $2,050,000 | 1,762 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $881,000 | 1,177 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,169,000 | 1,851 |
| Total noninterest expense | $9,180,000 | 1,578 |
| Salaries and employee benefits | $3,910,000 | 1,961 |
| Premises and equipment expense | $793,000 | 2,166 |
| Additional noninterest expense | $4,477,000 | 1,127 |
| Pre-tax net operating income | $-1,697,000 | 6,767 |
| Securities gains (losses) | $21,000 | 2,191 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-1,676,000 | 6,774 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,676,000 | 6,775 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,676,000 | 6,775 |
| Net charge-offs | $1,434,000 | 768 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,697,000 | 6,767 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $6,048,000 | 2,045 |
| Total interest expense | $1,841,000 | 988 |
| Net interest income | $4,207,000 | 2,481 |
| Provision for loan and lease losses | $300,000 | 1,629 |
| Total noninterest income | $1,381,000 | 1,760 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $577,000 | 1,172 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $804,000 | 1,850 |
| Total noninterest expense | $5,633,000 | 1,718 |
| Salaries and employee benefits | $2,460,000 | 2,082 |
| Premises and equipment expense | $539,000 | 2,126 |
| Additional noninterest expense | $2,634,000 | 1,262 |
| Pre-tax net operating income | $-345,000 | 6,629 |
| Securities gains (losses) | $20,000 | 2,017 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-325,000 | 6,660 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-325,000 | 6,661 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-325,000 | 6,661 |
| Net charge-offs | $1,006,000 | 762 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-345,000 | 6,644 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,178,000 | 1,977 |
| Total interest expense | $932,000 | 1,003 |
| Net interest income | $2,246,000 | 2,335 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $649,000 | 1,848 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $283,000 | 1,184 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $366,000 | 1,957 |
| Total noninterest expense | $2,798,000 | 1,733 |
| Salaries and employee benefits | $1,264,000 | 2,056 |
| Premises and equipment expense | $277,000 | 2,107 |
| Additional noninterest expense | $1,257,000 | 1,313 |
| Pre-tax net operating income | $97,000 | 5,352 |
| Securities gains (losses) | $13,000 | 1,412 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $110,000 | 5,130 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $110,000 | 5,132 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $110,000 | 5,132 |
| Net charge-offs | $259,000 | 1,174 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $97,000 | 5,183 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $14,322,000 | 1,843 |
| Total interest expense | $4,287,000 | 1,060 |
| Net interest income | $10,035,000 | 2,144 |
| Provision for loan and lease losses | $2,699,000 | 841 |
| Total noninterest income | $2,979,000 | 1,642 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,391,000 | 1,025 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,588,000 | 1,795 |
| Total noninterest expense | $12,207,000 | 1,583 |
| Salaries and employee benefits | $5,025,000 | 2,003 |
| Premises and equipment expense | $1,109,000 | 2,076 |
| Additional noninterest expense | $6,073,000 | 1,151 |
| Pre-tax net operating income | $-1,892,000 | 6,794 |
| Securities gains (losses) | $2,550,000 | 203 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $658,000 | 4,567 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $658,000 | 4,566 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $658,000 | 4,567 |
| Net charge-offs | $4,854,000 | 587 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-1,892,000 | 6,804 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,950,000 | 1,835 |
| Total interest expense | $3,288,000 | 1,083 |
| Net interest income | $7,662,000 | 2,140 |
| Provision for loan and lease losses | $2,074,000 | 825 |
| Total noninterest income | $2,208,000 | 1,657 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $1,031,000 | 1,040 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,177,000 | 1,791 |
| Total noninterest expense | $9,135,000 | 1,601 |
| Salaries and employee benefits | $3,849,000 | 1,962 |
| Premises and equipment expense | $835,000 | 2,094 |
| Additional noninterest expense | $4,451,000 | 1,157 |
| Pre-tax net operating income | $-1,339,000 | 6,900 |
| Securities gains (losses) | $2,325,000 | 169 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $986,000 | 3,460 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $986,000 | 3,460 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $986,000 | 3,462 |
| Net charge-offs | $4,061,000 | 545 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-1,339,000 | 6,907 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $7,684,000 | 1,762 |
| Total interest expense | $2,253,000 | 1,086 |
| Net interest income | $5,431,000 | 2,040 |
| Provision for loan and lease losses | $1,550,000 | 778 |
| Total noninterest income | $1,489,000 | 1,633 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $687,000 | 1,029 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $802,000 | 1,750 |
| Total noninterest expense | $6,058,000 | 1,606 |
| Salaries and employee benefits | $2,570,000 | 1,956 |
| Premises and equipment expense | $559,000 | 2,078 |
| Additional noninterest expense | $2,929,000 | 1,176 |
| Pre-tax net operating income | $-688,000 | 6,889 |
| Securities gains (losses) | $1,411,000 | 190 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $723,000 | 3,267 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $723,000 | 3,266 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $723,000 | 3,268 |
| Net charge-offs | $2,801,000 | 540 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-688,000 | 6,904 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,899,000 | 1,746 |
| Total interest expense | $1,171,000 | 1,083 |
| Net interest income | $2,728,000 | 2,027 |
| Provision for loan and lease losses | $200,000 | 1,993 |
| Total noninterest income | $724,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $340,000 | 1,033 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $384,000 | 1,803 |
| Total noninterest expense | $3,217,000 | 1,524 |
| Salaries and employee benefits | $1,289,000 | 1,951 |
| Premises and equipment expense | $277,000 | 2,107 |
| Additional noninterest expense | $1,651,000 | 1,037 |
| Pre-tax net operating income | $35,000 | 6,083 |
| Securities gains (losses) | $406,000 | 334 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $441,000 | 2,879 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $441,000 | 2,882 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $441,000 | 2,883 |
| Net charge-offs | $786,000 | 795 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $35,000 | 6,022 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $16,961,000 | 1,670 |
| Total interest expense | $6,170,000 | 987 |
| Net interest income | $10,791,000 | 2,022 |
| Provision for loan and lease losses | $2,360,000 | 1,395 |
| Total noninterest income | $2,969,000 | 1,513 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,381,000 | 1,065 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,588,000 | 1,587 |
| Total noninterest expense | $12,199,000 | 1,608 |
| Salaries and employee benefits | $4,958,000 | 1,945 |
| Premises and equipment expense | $1,257,000 | 1,969 |
| Additional noninterest expense | $5,984,000 | 1,176 |
| Pre-tax net operating income | $-799,000 | 6,522 |
| Securities gains (losses) | $1,830,000 | 257 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $1,031,000 | 3,491 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,031,000 | 3,493 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,031,000 | 3,494 |
| Net charge-offs | $3,562,000 | 1,069 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-799,000 | 6,556 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $12,934,000 | 1,662 |
| Total interest expense | $4,837,000 | 990 |
| Net interest income | $8,097,000 | 2,038 |
| Provision for loan and lease losses | $1,860,000 | 1,298 |
| Total noninterest income | $2,371,000 | 1,428 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $1,031,000 | 1,075 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,340,000 | 1,450 |
| Total noninterest expense | $9,315,000 | 1,569 |
| Salaries and employee benefits | $3,967,000 | 1,850 |
| Premises and equipment expense | $953,000 | 1,971 |
| Additional noninterest expense | $4,395,000 | 1,184 |
| Pre-tax net operating income | $-707,000 | 6,692 |
| Securities gains (losses) | $1,559,000 | 233 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $852,000 | 3,396 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $852,000 | 3,398 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $852,000 | 3,398 |
| Net charge-offs | $2,474,000 | 1,058 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-707,000 | 6,731 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $8,891,000 | 1,628 |
| Total interest expense | $3,313,000 | 1,003 |
| Net interest income | $5,578,000 | 1,968 |
| Provision for loan and lease losses | $1,200,000 | 1,329 |
| Total noninterest income | $1,639,000 | 1,391 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $707,000 | 1,035 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $932,000 | 1,413 |
| Total noninterest expense | $6,299,000 | 1,564 |
| Salaries and employee benefits | $2,694,000 | 1,822 |
| Premises and equipment expense | $655,000 | 1,924 |
| Additional noninterest expense | $2,950,000 | 1,202 |
| Pre-tax net operating income | $-282,000 | 6,639 |
| Securities gains (losses) | $769,000 | 251 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $487,000 | 3,647 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $487,000 | 3,648 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $487,000 | 3,648 |
| Net charge-offs | $1,837,000 | 977 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-282,000 | 6,687 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $4,623,000 | 1,587 |
| Total interest expense | $1,709,000 | 999 |
| Net interest income | $2,914,000 | 1,891 |
| Provision for loan and lease losses | $500,000 | 1,414 |
| Total noninterest income | $822,000 | 1,394 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $332,000 | 1,088 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $490,000 | 1,359 |
| Total noninterest expense | $3,078,000 | 1,610 |
| Salaries and employee benefits | $1,334,000 | 1,860 |
| Premises and equipment expense | $338,000 | 1,912 |
| Additional noninterest expense | $1,406,000 | 1,258 |
| Pre-tax net operating income | $158,000 | 4,574 |
| Securities gains (losses) | $211,000 | 327 |
| Applicable income taxes | $44,000 | 2,925 |
| Income before extraordinary items | $325,000 | 3,061 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $325,000 | 3,060 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $325,000 | 3,061 |
| Net charge-offs | $791,000 | 1,000 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $139,320 | 4,513 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $21,159,000 | 1,446 |
| Total interest expense | $8,618,000 | 969 |
| Net interest income | $12,541,000 | 1,770 |
| Provision for loan and lease losses | $7,785,000 | 820 |
| Total noninterest income | $3,224,000 | 1,469 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,663,000 | 909 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,561,000 | 1,650 |
| Total noninterest expense | $14,405,000 | 1,385 |
| Salaries and employee benefits | $5,733,000 | 1,697 |
| Premises and equipment expense | $1,374,000 | 1,876 |
| Additional noninterest expense | $7,298,000 | 1,013 |
| Pre-tax net operating income | $-6,425,000 | 7,203 |
| Securities gains (losses) | $1,487,000 | 345 |
| Applicable income taxes | $9,807,000 | 229 |
| Income before extraordinary items | $-14,745,000 | 7,465 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-14,745,000 | 7,465 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-14,745,000 | 7,465 |
| Net charge-offs | $8,075,000 | 710 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-16,232,000 | 7,478 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $16,473,000 | 1,422 |
| Total interest expense | $6,738,000 | 961 |
| Net interest income | $9,735,000 | 1,729 |
| Provision for loan and lease losses | $5,122,000 | 859 |
| Total noninterest income | $2,473,000 | 1,438 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $1,279,000 | 918 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,194,000 | 1,604 |
| Total noninterest expense | $10,646,000 | 1,399 |
| Salaries and employee benefits | $4,276,000 | 1,717 |
| Premises and equipment expense | $1,035,000 | 1,881 |
| Additional noninterest expense | $5,335,000 | 1,009 |
| Pre-tax net operating income | $-3,560,000 | 7,262 |
| Securities gains (losses) | $535,000 | 691 |
| Applicable income taxes | $9,756,000 | 177 |
| Income before extraordinary items | $-12,781,000 | 7,618 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-12,781,000 | 7,617 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-12,781,000 | 7,618 |
| Net charge-offs | $5,436,000 | 733 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-13,316,000 | 7,618 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $11,153,000 | 1,413 |
| Total interest expense | $4,703,000 | 954 |
| Net interest income | $6,450,000 | 1,734 |
| Provision for loan and lease losses | $3,220,000 | 902 |
| Total noninterest income | $1,661,000 | 1,408 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $869,000 | 908 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $792,000 | 1,530 |
| Total noninterest expense | $7,173,000 | 1,383 |
| Salaries and employee benefits | $3,031,000 | 1,626 |
| Premises and equipment expense | $711,000 | 1,836 |
| Additional noninterest expense | $3,431,000 | 1,032 |
| Pre-tax net operating income | $-2,282,000 | 7,318 |
| Securities gains (losses) | $494,000 | 482 |
| Applicable income taxes | $-877,000 | 7,590 |
| Income before extraordinary items | $-911,000 | 7,060 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-911,000 | 7,059 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-911,000 | 7,060 |
| Net charge-offs | $3,726,000 | 697 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,227,160 | 7,145 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,626,000 | 1,441 |
| Total interest expense | $2,497,000 | 941 |
| Net interest income | $3,129,000 | 1,810 |
| Provision for loan and lease losses | $315,000 | 2,324 |
| Total noninterest income | $840,000 | 1,406 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $418,000 | 938 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $422,000 | 1,455 |
| Total noninterest expense | $3,514,000 | 1,428 |
| Salaries and employee benefits | $1,522,000 | 1,643 |
| Premises and equipment expense | $362,000 | 1,867 |
| Additional noninterest expense | $1,630,000 | 1,070 |
| Pre-tax net operating income | $140,000 | 4,658 |
| Securities gains (losses) | $-35,000 | 7,606 |
| Applicable income taxes | $-8,000 | 7,093 |
| Income before extraordinary items | $113,000 | 4,811 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $113,000 | 4,811 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $113,000 | 4,810 |
| Net charge-offs | $636,000 | 1,401 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $148,000 | 4,287 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,368,000 | 1,347 |
| Total interest expense | $12,133,000 | 977 |
| Net interest income | $13,235,000 | 1,695 |
| Provision for loan and lease losses | $9,512,000 | 911 |
| Total noninterest income | $3,403,000 | 1,469 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,768,000 | 978 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,635,000 | 1,569 |
| Total noninterest expense | $13,125,000 | 1,581 |
| Salaries and employee benefits | $6,713,000 | 1,496 |
| Premises and equipment expense | $1,424,000 | 1,889 |
| Additional noninterest expense | $4,988,000 | 1,492 |
| Pre-tax net operating income | $-5,999,000 | 7,273 |
| Securities gains (losses) | $-7,017,000 | 7,919 |
| Applicable income taxes | $-4,086,000 | 7,705 |
| Income before extraordinary items | $-8,930,000 | 7,512 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,930,000 | 7,511 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,930,000 | 7,511 |
| Net charge-offs | $2,494,000 | 1,795 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-4,088,270 | 7,166 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,691,000 | 1,330 |
| Total interest expense | $9,331,000 | 1,005 |
| Net interest income | $10,360,000 | 1,624 |
| Provision for loan and lease losses | $1,893,000 | 1,980 |
| Total noninterest income | $2,438,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,286,000 | 1,007 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,152,000 | 1,658 |
| Total noninterest expense | $9,282,000 | 1,637 |
| Salaries and employee benefits | $4,905,000 | 1,540 |
| Premises and equipment expense | $1,064,000 | 1,917 |
| Additional noninterest expense | $3,313,000 | 1,638 |
| Pre-tax net operating income | $1,623,000 | 1,917 |
| Securities gains (losses) | $-2,959,000 | 7,966 |
| Applicable income taxes | $-651,000 | 7,417 |
| Income before extraordinary items | $-685,000 | 6,556 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-685,000 | 6,557 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-685,000 | 6,557 |
| Net charge-offs | $859,000 | 2,378 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,208,760 | 2,116 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,991,000 | 1,374 |
| Total interest expense | $6,375,000 | 1,037 |
| Net interest income | $6,616,000 | 1,689 |
| Provision for loan and lease losses | $925,000 | 2,166 |
| Total noninterest income | $1,618,000 | 1,557 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $832,000 | 1,026 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $786,000 | 1,671 |
| Total noninterest expense | $6,306,000 | 1,639 |
| Salaries and employee benefits | $3,334,000 | 1,545 |
| Premises and equipment expense | $718,000 | 1,915 |
| Additional noninterest expense | $2,254,000 | 1,619 |
| Pre-tax net operating income | $1,003,000 | 2,102 |
| Securities gains (losses) | $-503,000 | 7,920 |
| Applicable income taxes | $161,000 | 2,194 |
| Income before extraordinary items | $339,000 | 3,758 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $339,000 | 3,758 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $339,000 | 3,758 |
| Net charge-offs | $716,000 | 1,959 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $681,040 | 2,470 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,450,000 | 1,401 |
| Total interest expense | $3,277,000 | 1,059 |
| Net interest income | $3,173,000 | 1,746 |
| Provision for loan and lease losses | $375,000 | 2,048 |
| Total noninterest income | $764,000 | 1,601 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $393,000 | 1,056 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $371,000 | 1,692 |
| Total noninterest expense | $3,033,000 | 1,651 |
| Salaries and employee benefits | $1,676,000 | 1,557 |
| Premises and equipment expense | $362,000 | 1,936 |
| Additional noninterest expense | $995,000 | 1,624 |
| Pre-tax net operating income | $529,000 | 2,272 |
| Securities gains (losses) | $18,000 | 1,721 |
| Applicable income taxes | $157,000 | 1,701 |
| Income before extraordinary items | $390,000 | 2,620 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $390,000 | 2,619 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $390,000 | 2,621 |
| Net charge-offs | $299,000 | 1,773 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $377,220 | 2,542 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $29,490,000 | 1,311 |
| Total interest expense | $14,795,000 | 1,098 |
| Net interest income | $14,695,000 | 1,524 |
| Provision for loan and lease losses | $1,250,000 | 2,400 |
| Total noninterest income | $3,328,000 | 1,456 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,821,000 | 988 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,507,000 | 1,589 |
| Total noninterest expense | $12,831,000 | 1,522 |
| Salaries and employee benefits | $7,178,000 | 1,432 |
| Premises and equipment expense | $1,658,000 | 1,662 |
| Additional noninterest expense | $3,995,000 | 1,548 |
| Pre-tax net operating income | $3,942,000 | 1,385 |
| Securities gains (losses) | $-18,694,000 | 8,224 |
| Applicable income taxes | $-5,541,000 | 8,125 |
| Income before extraordinary items | $-9,211,000 | 7,983 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-9,211,000 | 7,983 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $366,000 | 3,253 |
| Cash dividends | $1,015,000 | 2,261 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,753,160 | 1,580 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,664,000 | 1,309 |
| Total interest expense | $11,364,000 | 1,110 |
| Net interest income | $11,300,000 | 1,496 |
| Provision for loan and lease losses | $880,000 | 1,983 |
| Total noninterest income | $2,507,000 | 1,500 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,364,000 | 994 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,143,000 | 1,655 |
| Total noninterest expense | $9,717,000 | 1,500 |
| Salaries and employee benefits | $5,620,000 | 1,383 |
| Premises and equipment expense | $1,256,000 | 1,660 |
| Additional noninterest expense | $2,841,000 | 1,576 |
| Pre-tax net operating income | $3,210,000 | 1,522 |
| Securities gains (losses) | $-17,669,000 | 8,319 |
| Applicable income taxes | $381,000 | 2,217 |
| Income before extraordinary items | $-14,840,000 | 8,255 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-14,840,000 | 8,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 3,043 |
| Cash dividends | $760,000 | 2,162 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,829,000 | 1,382 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,363,000 | 1,298 |
| Total interest expense | $7,695,000 | 1,136 |
| Net interest income | $7,668,000 | 1,461 |
| Provision for loan and lease losses | $580,000 | 1,750 |
| Total noninterest income | $1,648,000 | 1,536 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $901,000 | 976 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $747,000 | 1,710 |
| Total noninterest expense | $6,376,000 | 1,519 |
| Salaries and employee benefits | $3,725,000 | 1,399 |
| Premises and equipment expense | $839,000 | 1,655 |
| Additional noninterest expense | $1,812,000 | 1,626 |
| Pre-tax net operating income | $2,360,000 | 1,460 |
| Securities gains (losses) | $117,000 | 854 |
| Applicable income taxes | $541,000 | 1,509 |
| Income before extraordinary items | $1,936,000 | 1,430 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,936,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 2,644 |
| Cash dividends | $760,000 | 1,755 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,844,740 | 1,460 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,781,000 | 1,314 |
| Total interest expense | $3,932,000 | 1,186 |
| Net interest income | $3,849,000 | 1,438 |
| Provision for loan and lease losses | $280,000 | 1,468 |
| Total noninterest income | $850,000 | 1,499 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $459,000 | 946 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $391,000 | 1,658 |
| Total noninterest expense | $3,259,000 | 1,471 |
| Salaries and employee benefits | $1,946,000 | 1,341 |
| Premises and equipment expense | $421,000 | 1,647 |
| Additional noninterest expense | $892,000 | 1,607 |
| Pre-tax net operating income | $1,160,000 | 1,569 |
| Securities gains (losses) | $61,000 | 973 |
| Applicable income taxes | $261,000 | 1,636 |
| Income before extraordinary items | $960,000 | 1,562 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $960,000 | 1,564 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,095 |
| Cash dividends | $400,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $911,810 | 1,574 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $30,591,000 | 1,403 |
| Total interest expense | $15,388,000 | 1,297 |
| Net interest income | $15,203,000 | 1,498 |
| Provision for loan and lease losses | $180,000 | 4,023 |
| Total noninterest income | $3,378,000 | 1,500 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,795,000 | 990 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,583,000 | 1,612 |
| Total noninterest expense | $12,949,000 | 1,428 |
| Salaries and employee benefits | $7,487,000 | 1,345 |
| Premises and equipment expense | $1,701,000 | 1,560 |
| Additional noninterest expense | $3,761,000 | 1,475 |
| Pre-tax net operating income | $5,452,000 | 1,526 |
| Securities gains (losses) | $106,000 | 593 |
| Applicable income taxes | $1,200,000 | 1,646 |
| Income before extraordinary items | $4,358,000 | 1,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,358,000 | 1,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,171 |
| Cash dividends | $2,115,000 | 1,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,275,320 | 1,477 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,675,000 | 1,426 |
| Total interest expense | $11,326,000 | 1,324 |
| Net interest income | $11,349,000 | 1,509 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $2,471,000 | 1,532 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,291,000 | 1,023 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,180,000 | 1,609 |
| Total noninterest expense | $9,693,000 | 1,411 |
| Salaries and employee benefits | $5,661,000 | 1,324 |
| Premises and equipment expense | $1,282,000 | 1,551 |
| Additional noninterest expense | $2,750,000 | 1,476 |
| Pre-tax net operating income | $4,127,000 | 1,626 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $883,000 | 1,780 |
| Income before extraordinary items | $3,245,000 | 1,560 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,245,000 | 1,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,913 |
| Cash dividends | $1,575,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,244,210 | 1,550 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,815,000 | 1,468 |
| Total interest expense | $7,410,000 | 1,348 |
| Net interest income | $7,405,000 | 1,570 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,583,000 | 1,609 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $802,000 | 1,099 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $781,000 | 1,641 |
| Total noninterest expense | $6,431,000 | 1,431 |
| Salaries and employee benefits | $3,713,000 | 1,371 |
| Premises and equipment expense | $879,000 | 1,530 |
| Additional noninterest expense | $1,839,000 | 1,488 |
| Pre-tax net operating income | $2,557,000 | 1,788 |
| Securities gains (losses) | $19,000 | 721 |
| Applicable income taxes | $534,000 | 1,970 |
| Income before extraordinary items | $2,042,000 | 1,692 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,042,000 | 1,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,047 |
| Cash dividends | $1,025,000 | 1,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,026,990 | 1,685 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,242,000 | 1,501 |
| Total interest expense | $3,593,000 | 1,382 |
| Net interest income | $3,649,000 | 1,590 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $774,000 | 1,613 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $396,000 | 1,087 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $378,000 | 1,658 |
| Total noninterest expense | $3,286,000 | 1,407 |
| Salaries and employee benefits | $1,876,000 | 1,366 |
| Premises and equipment expense | $451,000 | 1,478 |
| Additional noninterest expense | $959,000 | 1,396 |
| Pre-tax net operating income | $1,137,000 | 1,955 |
| Securities gains (losses) | $9,000 | 715 |
| Applicable income taxes | $212,000 | 2,322 |
| Income before extraordinary items | $934,000 | 1,829 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $934,000 | 1,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,785 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $926,620 | 1,830 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,952,000 | 1,481 |
| Total interest expense | $11,501,000 | 1,462 |
| Net interest income | $15,451,000 | 1,477 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $4,040,000 | 1,287 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,802,000 | 985 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,238,000 | 1,247 |
| Total noninterest expense | $12,486,000 | 1,436 |
| Salaries and employee benefits | $7,140,000 | 1,364 |
| Premises and equipment expense | $1,767,000 | 1,454 |
| Additional noninterest expense | $3,579,000 | 1,477 |
| Pre-tax net operating income | $7,005,000 | 1,406 |
| Securities gains (losses) | $181,000 | 410 |
| Applicable income taxes | $1,754,000 | 1,470 |
| Income before extraordinary items | $5,432,000 | 1,344 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,432,000 | 1,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,703 |
| Cash dividends | $1,784,000 | 1,718 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,294,440 | 1,369 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,812,000 | 1,503 |
| Total interest expense | $8,173,000 | 1,500 |
| Net interest income | $11,639,000 | 1,489 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $3,252,000 | 1,234 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,356,000 | 983 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,896,000 | 1,140 |
| Total noninterest expense | $9,441,000 | 1,430 |
| Salaries and employee benefits | $5,436,000 | 1,364 |
| Premises and equipment expense | $1,321,000 | 1,468 |
| Additional noninterest expense | $2,684,000 | 1,472 |
| Pre-tax net operating income | $5,450,000 | 1,399 |
| Securities gains (losses) | $96,000 | 450 |
| Applicable income taxes | $1,353,000 | 1,505 |
| Income before extraordinary items | $4,193,000 | 1,352 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,193,000 | 1,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,593 |
| Cash dividends | $1,324,000 | 1,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,120,040 | 1,363 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,977,000 | 1,495 |
| Total interest expense | $5,224,000 | 1,486 |
| Net interest income | $7,753,000 | 1,488 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $2,381,000 | 1,148 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $898,000 | 974 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,483,000 | 1,022 |
| Total noninterest expense | $6,324,000 | 1,429 |
| Salaries and employee benefits | $3,669,000 | 1,348 |
| Premises and equipment expense | $868,000 | 1,498 |
| Additional noninterest expense | $1,787,000 | 1,481 |
| Pre-tax net operating income | $3,810,000 | 1,331 |
| Securities gains (losses) | $96,000 | 364 |
| Applicable income taxes | $974,000 | 1,430 |
| Income before extraordinary items | $2,932,000 | 1,278 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,932,000 | 1,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,558 |
| Cash dividends | $874,000 | 1,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,860,000 | 1,295 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,303,000 | 1,505 |
| Total interest expense | $2,481,000 | 1,482 |
| Net interest income | $3,822,000 | 1,503 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $808,000 | 1,500 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $422,000 | 1,007 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $386,000 | 1,612 |
| Total noninterest expense | $3,020,000 | 1,492 |
| Salaries and employee benefits | $1,762,000 | 1,413 |
| Premises and equipment expense | $427,000 | 1,529 |
| Additional noninterest expense | $831,000 | 1,568 |
| Pre-tax net operating income | $1,610,000 | 1,530 |
| Securities gains (losses) | $96,000 | 258 |
| Applicable income taxes | $373,000 | 1,741 |
| Income before extraordinary items | $1,333,000 | 1,380 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,333,000 | 1,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 2,945 |
| Cash dividends | $390,000 | 1,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,258,120 | 1,427 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $23,026,000 | 1,451 |
| Total interest expense | $8,305,000 | 1,369 |
| Net interest income | $14,721,000 | 1,489 |
| Provision for loan and lease losses | $203,000 | 3,561 |
| Total noninterest income | $2,528,000 | 1,846 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,109,000 | 1,571 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,419,000 | 1,739 |
| Total noninterest expense | $10,810,000 | 1,588 |
| Salaries and employee benefits | $6,277,000 | 1,502 |
| Premises and equipment expense | $1,553,000 | 1,570 |
| Additional noninterest expense | $2,980,000 | 1,694 |
| Pre-tax net operating income | $6,236,000 | 1,529 |
| Securities gains (losses) | $294,000 | 415 |
| Applicable income taxes | $1,443,000 | 1,750 |
| Income before extraordinary items | $5,087,000 | 1,394 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,087,000 | 1,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,213 |
| Cash dividends | $370,000 | 4,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $4,857,680 | 1,436 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $16,887,000 | 1,444 |
| Total interest expense | $6,056,000 | 1,318 |
| Net interest income | $10,831,000 | 1,500 |
| Provision for loan and lease losses | $166,000 | 3,331 |
| Total noninterest income | $1,879,000 | 1,877 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $801,000 | 1,617 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,078,000 | 1,729 |
| Total noninterest expense | $7,938,000 | 1,597 |
| Salaries and employee benefits | $4,661,000 | 1,498 |
| Premises and equipment expense | $1,106,000 | 1,644 |
| Additional noninterest expense | $2,171,000 | 1,720 |
| Pre-tax net operating income | $4,606,000 | 1,556 |
| Securities gains (losses) | $97,000 | 669 |
| Applicable income taxes | $993,000 | 1,888 |
| Income before extraordinary items | $3,710,000 | 1,439 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,710,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,023 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,633,370 | 1,439 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $11,024,000 | 1,427 |
| Total interest expense | $3,920,000 | 1,283 |
| Net interest income | $7,104,000 | 1,500 |
| Provision for loan and lease losses | $59,000 | 4,370 |
| Total noninterest income | $1,227,000 | 1,901 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $500,000 | 1,686 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $727,000 | 1,696 |
| Total noninterest expense | $5,226,000 | 1,617 |
| Salaries and employee benefits | $3,055,000 | 1,518 |
| Premises and equipment expense | $706,000 | 1,701 |
| Additional noninterest expense | $1,465,000 | 1,686 |
| Pre-tax net operating income | $3,046,000 | 1,528 |
| Securities gains (losses) | $62,000 | 723 |
| Applicable income taxes | $634,000 | 1,918 |
| Income before extraordinary items | $2,474,000 | 1,411 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,474,000 | 1,411 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,468 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,424,400 | 1,414 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,386,000 | 1,430 |
| Total interest expense | $1,888,000 | 1,255 |
| Net interest income | $3,498,000 | 1,520 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $570,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $232,000 | 1,753 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $338,000 | 1,745 |
| Total noninterest expense | $2,526,000 | 1,671 |
| Salaries and employee benefits | $1,483,000 | 1,561 |
| Premises and equipment expense | $348,000 | 1,725 |
| Additional noninterest expense | $695,000 | 1,779 |
| Pre-tax net operating income | $1,542,000 | 1,478 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $313,000 | 1,918 |
| Income before extraordinary items | $1,229,000 | 1,390 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,229,000 | 1,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,248 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,229,000 | 1,362 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,278,000 | 1,410 |
| Total interest expense | $7,021,000 | 1,159 |
| Net interest income | $13,257,000 | 1,531 |
| Provision for loan and lease losses | $415,000 | 2,302 |
| Total noninterest income | $2,451,000 | 1,898 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $976,000 | 1,803 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,475,000 | 1,659 |
| Total noninterest expense | $9,849,000 | 1,653 |
| Salaries and employee benefits | $5,704,000 | 1,561 |
| Premises and equipment expense | $1,383,000 | 1,685 |
| Additional noninterest expense | $2,762,000 | 1,761 |
| Pre-tax net operating income | $5,444,000 | 1,566 |
| Securities gains (losses) | $214,000 | 793 |
| Applicable income taxes | $1,130,000 | 1,980 |
| Income before extraordinary items | $4,528,000 | 1,422 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,528,000 | 1,423 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,833 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,356,800 | 1,429 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,016,000 | 1,415 |
| Total interest expense | $5,190,000 | 1,150 |
| Net interest income | $9,826,000 | 1,534 |
| Provision for loan and lease losses | $372,000 | 1,892 |
| Total noninterest income | $1,886,000 | 1,869 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $727,000 | 1,820 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,159,000 | 1,595 |
| Total noninterest expense | $7,316,000 | 1,653 |
| Salaries and employee benefits | $4,289,000 | 1,547 |
| Premises and equipment expense | $999,000 | 1,740 |
| Additional noninterest expense | $2,028,000 | 1,774 |
| Pre-tax net operating income | $4,024,000 | 1,602 |
| Securities gains (losses) | $158,000 | 907 |
| Applicable income taxes | $867,000 | 1,989 |
| Income before extraordinary items | $3,315,000 | 1,486 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,315,000 | 1,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,226 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,190,180 | 1,480 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,876,000 | 1,421 |
| Total interest expense | $3,424,000 | 1,155 |
| Net interest income | $6,452,000 | 1,541 |
| Provision for loan and lease losses | $278,000 | 1,681 |
| Total noninterest income | $1,245,000 | 1,866 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $492,000 | 1,778 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $753,000 | 1,621 |
| Total noninterest expense | $4,812,000 | 1,677 |
| Salaries and employee benefits | $2,829,000 | 1,560 |
| Premises and equipment expense | $663,000 | 1,744 |
| Additional noninterest expense | $1,320,000 | 1,810 |
| Pre-tax net operating income | $2,607,000 | 1,614 |
| Securities gains (losses) | $94,000 | 1,069 |
| Applicable income taxes | $552,000 | 2,053 |
| Income before extraordinary items | $2,149,000 | 1,498 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,149,000 | 1,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 1,927 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,073,800 | 1,492 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,939,000 | 1,423 |
| Total interest expense | $1,712,000 | 1,168 |
| Net interest income | $3,227,000 | 1,543 |
| Provision for loan and lease losses | $143,000 | 1,598 |
| Total noninterest income | $612,000 | 1,853 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $242,000 | 1,761 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $370,000 | 1,618 |
| Total noninterest expense | $2,287,000 | 1,768 |
| Salaries and employee benefits | $1,365,000 | 1,637 |
| Premises and equipment expense | $320,000 | 1,818 |
| Additional noninterest expense | $602,000 | 1,971 |
| Pre-tax net operating income | $1,409,000 | 1,475 |
| Securities gains (losses) | $25,000 | 1,594 |
| Applicable income taxes | $365,000 | 1,683 |
| Income before extraordinary items | $1,069,000 | 1,501 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,069,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,050,250 | 1,442 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $18,690,000 | 1,538 |
| Total interest expense | $6,637,000 | 1,334 |
| Net interest income | $12,053,000 | 1,613 |
| Provision for loan and lease losses | $410,000 | 2,542 |
| Total noninterest income | $2,648,000 | 1,860 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,060,000 | 1,614 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,588,000 | 1,753 |
| Total noninterest expense | $9,274,000 | 1,721 |
| Salaries and employee benefits | $5,532,000 | 1,558 |
| Premises and equipment expense | $1,287,000 | 1,765 |
| Additional noninterest expense | $2,455,000 | 1,958 |
| Pre-tax net operating income | $5,017,000 | 1,618 |
| Securities gains (losses) | $184,000 | 1,391 |
| Applicable income taxes | $1,383,000 | 1,746 |
| Income before extraordinary items | $3,818,000 | 1,627 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,818,000 | 1,629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,889 |
| Cash dividends | $789,000 | 2,733 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 189 |
| Net operating income | $3,683,680 | 1,602 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,649,000 | 1,607 |
| Total interest expense | $4,909,000 | 1,417 |
| Net interest income | $8,740,000 | 1,679 |
| Provision for loan and lease losses | $290,000 | 2,572 |
| Total noninterest income | $2,037,000 | 1,865 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $818,000 | 1,585 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,219,000 | 1,783 |
| Total noninterest expense | $6,760,000 | 1,769 |
| Salaries and employee benefits | $4,016,000 | 1,613 |
| Premises and equipment expense | $950,000 | 1,808 |
| Additional noninterest expense | $1,794,000 | 1,995 |
| Pre-tax net operating income | $3,727,000 | 1,687 |
| Securities gains (losses) | $50,000 | 2,306 |
| Applicable income taxes | $1,017,000 | 1,835 |
| Income before extraordinary items | $2,760,000 | 1,741 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,760,000 | 1,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,021 |
| Cash dividends | $789,000 | 2,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,723,500 | 1,674 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,933,000 | 1,647 |
| Total interest expense | $3,198,000 | 1,504 |
| Net interest income | $5,735,000 | 1,698 |
| Provision for loan and lease losses | $200,000 | 2,502 |
| Total noninterest income | $1,249,000 | 1,991 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $555,000 | 1,536 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $694,000 | 1,983 |
| Total noninterest expense | $4,355,000 | 1,814 |
| Salaries and employee benefits | $2,585,000 | 1,660 |
| Premises and equipment expense | $631,000 | 1,798 |
| Additional noninterest expense | $1,140,000 | 2,095 |
| Pre-tax net operating income | $2,429,000 | 1,719 |
| Securities gains (losses) | $21,000 | 2,589 |
| Applicable income taxes | $702,000 | 1,814 |
| Income before extraordinary items | $1,748,000 | 1,838 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,748,000 | 1,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,051 |
| Cash dividends | $517,000 | 2,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,733,090 | 1,739 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,397,000 | 1,683 |
| Total interest expense | $1,600,000 | 1,542 |
| Net interest income | $2,797,000 | 1,735 |
| Provision for loan and lease losses | $110,000 | 2,202 |
| Total noninterest income | $582,000 | 2,045 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $264,000 | 1,564 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $318,000 | 2,029 |
| Total noninterest expense | $2,149,000 | 1,828 |
| Salaries and employee benefits | $1,277,000 | 1,671 |
| Premises and equipment expense | $322,000 | 1,776 |
| Additional noninterest expense | $550,000 | 2,136 |
| Pre-tax net operating income | $1,120,000 | 1,851 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $332,000 | 1,911 |
| Income before extraordinary items | $810,000 | 1,958 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $810,000 | 1,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,284 |
| Cash dividends | $248,000 | 2,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $794,380 | 1,872 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,531,000 | 1,765 |
| Total interest expense | $7,547,000 | 1,506 |
| Net interest income | $9,984,000 | 1,942 |
| Provision for loan and lease losses | $440,000 | 2,632 |
| Total noninterest income | $2,300,000 | 1,905 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,120,000 | 1,447 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,180,000 | 1,953 |
| Total noninterest expense | $7,842,000 | 1,927 |
| Salaries and employee benefits | $4,492,000 | 1,782 |
| Premises and equipment expense | $1,239,000 | 1,790 |
| Additional noninterest expense | $2,111,000 | 2,198 |
| Pre-tax net operating income | $4,002,000 | 1,991 |
| Securities gains (losses) | $127,000 | 1,537 |
| Applicable income taxes | $1,137,000 | 2,007 |
| Income before extraordinary items | $2,992,000 | 2,012 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,992,000 | 2,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $177,000 | 3,214 |
| Cash dividends | $933,000 | 2,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,900,560 | 1,993 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,198,000 | 2,126 |
| Total interest expense | $8,189,000 | 1,976 |
| Net interest income | $8,009,000 | 2,243 |
| Provision for loan and lease losses | $288,000 | 3,315 |
| Total noninterest income | $1,702,000 | 2,291 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,003,000 | 1,467 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $699,000 | 2,573 |
| Total noninterest expense | $6,710,000 | 2,134 |
| Salaries and employee benefits | $3,742,000 | 2,010 |
| Premises and equipment expense | $1,166,000 | 1,847 |
| Additional noninterest expense | $1,802,000 | 2,472 |
| Pre-tax net operating income | $2,713,000 | 2,498 |
| Securities gains (losses) | $-18,000 | 9,363 |
| Applicable income taxes | $729,000 | 2,595 |
| Income before extraordinary items | $1,966,000 | 2,574 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,966,000 | 2,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,941 |
| Cash dividends | $854,000 | 2,523 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,979,140 | 2,479 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,676,000 | 2,242 |
| Total interest expense | $7,701,000 | 2,208 |
| Net interest income | $7,975,000 | 2,234 |
| Provision for loan and lease losses | $402,000 | 2,262 |
| Total noninterest income | $1,581,000 | 2,259 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,025,000 | 1,322 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $556,000 | 2,768 |
| Total noninterest expense | $6,410,000 | 2,149 |
| Salaries and employee benefits | $3,507,000 | 2,029 |
| Premises and equipment expense | $859,000 | 2,405 |
| Additional noninterest expense | $2,044,000 | 2,108 |
| Pre-tax net operating income | $2,744,000 | 2,569 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $727,000 | 2,709 |
| Income before extraordinary items | $2,017,000 | 2,534 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,017,000 | 2,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 2,192 |
| Cash dividends | $791,000 | 2,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,017,000 | 2,542 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,429,000 | 2,258 |
| Total interest expense | $6,675,000 | 2,211 |
| Net interest income | $7,754,000 | 2,272 |
| Provision for loan and lease losses | $308,000 | 2,591 |
| Total noninterest income | $1,315,000 | 2,512 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $903,000 | 1,435 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $412,000 | 3,349 |
| Total noninterest expense | $6,146,000 | 2,230 |
| Salaries and employee benefits | $3,217,000 | 2,181 |
| Premises and equipment expense | $805,000 | 2,523 |
| Additional noninterest expense | $2,124,000 | 2,050 |
| Pre-tax net operating income | $2,615,000 | 2,701 |
| Securities gains (losses) | $6,000 | 2,044 |
| Applicable income taxes | $699,000 | 2,900 |
| Income before extraordinary items | $1,922,000 | 2,676 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,922,000 | 2,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,806 |
| Cash dividends | $767,000 | 2,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,917,620 | 2,647 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,537,000 | 2,608 |
| Total interest expense | $5,862,000 | 2,586 |
| Net interest income | $6,675,000 | 2,549 |
| Provision for loan and lease losses | $198,000 | 3,550 |
| Total noninterest income | $1,067,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $619,000 | 2,068 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $448,000 | 3,201 |
| Total noninterest expense | $5,061,000 | 2,577 |
| Salaries and employee benefits | $2,723,000 | 2,484 |
| Premises and equipment expense | $689,000 | 2,806 |
| Additional noninterest expense | $1,649,000 | 2,536 |
| Pre-tax net operating income | $2,483,000 | 2,806 |
| Securities gains (losses) | $24,000 | 2,292 |
| Applicable income taxes | $620,000 | 3,318 |
| Income before extraordinary items | $1,887,000 | 2,695 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,887,000 | 2,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,550 |
| Cash dividends | $935,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,869,000 | 2,645 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,002,000 | 2,964 |
| Total interest expense | $4,850,000 | 3,066 |
| Net interest income | $6,152,000 | 2,836 |
| Provision for loan and lease losses | $200,000 | 3,424 |
| Total noninterest income | $806,000 | 3,552 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $523,000 | 2,513 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $283,000 | 4,064 |
| Total noninterest expense | $4,290,000 | 2,970 |
| Salaries and employee benefits | $2,160,000 | 3,068 |
| Premises and equipment expense | $645,000 | 2,958 |
| Additional noninterest expense | $1,485,000 | 2,760 |
| Pre-tax net operating income | $2,468,000 | 2,946 |
| Securities gains (losses) | $16,000 | 2,045 |
| Applicable income taxes | $650,000 | 3,452 |
| Income before extraordinary items | $1,834,000 | 2,786 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,834,000 | 2,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,289 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,822,160 | 2,749 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,217,000 | 3,217 |
| Total interest expense | $4,593,000 | 3,258 |
| Net interest income | $5,624,000 | 3,142 |
| Provision for loan and lease losses | $165,000 | 3,866 |
| Total noninterest income | $838,000 | 3,576 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $552,000 | 2,468 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $286,000 | 4,193 |
| Total noninterest expense | $3,933,000 | 3,399 |
| Salaries and employee benefits | $1,959,000 | 3,392 |
| Premises and equipment expense | $583,000 | 3,299 |
| Additional noninterest expense | $1,391,000 | 3,325 |
| Pre-tax net operating income | $2,364,000 | 2,948 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $678,000 | 3,251 |
| Income before extraordinary items | $1,711,000 | 2,837 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,711,000 | 2,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,367 |
| Cash dividends | $652,000 | 2,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,693,000 | 2,819 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,913,000 | 3,304 |
| Total interest expense | $4,353,000 | 3,423 |
| Net interest income | $5,560,000 | 3,195 |
| Provision for loan and lease losses | $165,000 | 3,441 |
| Total noninterest income | $754,000 | 3,857 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $518,000 | 2,615 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $236,000 | 4,654 |
| Total noninterest expense | $3,475,000 | 3,772 |
| Salaries and employee benefits | $1,783,000 | 3,678 |
| Premises and equipment expense | $450,000 | 4,111 |
| Additional noninterest expense | $1,242,000 | 3,636 |
| Pre-tax net operating income | $2,674,000 | 2,678 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $794,000 | 2,888 |
| Income before extraordinary items | $1,880,000 | 2,642 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,880,000 | 2,641 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,672 |
| Cash dividends | $592,000 | 3,006 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,880,000 | 2,612 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,478,000 | 3,534 |
| Total interest expense | $3,302,000 | 3,631 |
| Net interest income | $5,176,000 | 3,452 |
| Provision for loan and lease losses | $159,000 | 3,501 |
| Total noninterest income | $745,000 | 3,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $475,000 | 2,910 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $270,000 | 4,385 |
| Total noninterest expense | $3,399,000 | 3,943 |
| Salaries and employee benefits | $1,701,000 | 3,825 |
| Premises and equipment expense | $443,000 | 4,213 |
| Additional noninterest expense | $1,255,000 | 3,899 |
| Pre-tax net operating income | $2,363,000 | 2,985 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $706,000 | 3,070 |
| Income before extraordinary items | $1,657,000 | 2,907 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,657,000 | 2,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,702 |
| Cash dividends | $589,000 | 2,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,657,000 | 2,935 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,755,000 | 3,928 |
| Total interest expense | $3,195,000 | 3,901 |
| Net interest income | $4,560,000 | 3,885 |
| Provision for loan and lease losses | $200,000 | 3,901 |
| Total noninterest income | $643,000 | 4,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $434,000 | 3,201 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 5,530 |
| Total noninterest expense | $2,912,000 | 4,634 |
| Salaries and employee benefits | $1,445,000 | 4,424 |
| Premises and equipment expense | $383,000 | 4,887 |
| Additional noninterest expense | $1,084,000 | 4,600 |
| Pre-tax net operating income | $2,091,000 | 3,172 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $672,000 | 3,235 |
| Income before extraordinary items | $1,419,000 | 3,407 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,419,000 | 3,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 6,087 |
| Cash dividends | $433,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $4,250,000 | 225 |
| Net operating income | $1,419,000 | 3,234 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,488,000 | 4,559 |
| Total interest expense | $3,709,000 | 4,349 |
| Net interest income | $3,779,000 | 4,690 |
| Provision for loan and lease losses | $376,000 | 3,587 |
| Total noninterest income | $606,000 | 4,922 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $460,000 | 3,035 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 6,738 |
| Total noninterest expense | $2,598,000 | 5,131 |
| Salaries and employee benefits | $1,270,000 | 4,919 |
| Premises and equipment expense | $362,000 | 5,215 |
| Additional noninterest expense | $966,000 | 5,197 |
| Pre-tax net operating income | $1,411,000 | 4,279 |
| Securities gains (losses) | $115,000 | 2,787 |
| Applicable income taxes | $491,000 | 4,063 |
| Income before extraordinary items | $1,035,000 | 4,356 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,035,000 | 4,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 4,924 |
| Cash dividends | $561,000 | 2,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $956,800 | 4,363 |
* 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.