Home > First Independent Bank of Nevada > Income and Expense
First Independent Bank of Nevada, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $19,801,000 | 1,194 |
| Total interest expense | $3,106,000 | 2,012 |
| Net interest income | $16,695,000 | 990 |
| Provision for loan and lease losses | $1,829,000 | 1,764 |
| Total noninterest income | $453,000 | 4,259 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $411,000 | 2,535 |
| Trading account gains and fees | $-31,000 | 7,707 |
| Additional Noninterest Income | $73,000 | 5,605 |
| Total noninterest expense | $12,083,000 | 1,234 |
| Salaries and employee benefits | $5,396,000 | 1,366 |
| Premises and equipment expense | $1,762,000 | 1,120 |
| Additional noninterest expense | $4,925,000 | 1,091 |
| Pre-tax net operating income | $3,236,000 | 1,221 |
| Securities gains (losses) | $682,000 | 571 |
| Applicable income taxes | $1,362,000 | 808 |
| Income before extraordinary items | $2,556,000 | 1,301 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $2,556,000 | 1,305 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $2,556,000 | 1,305 |
| Net charge-offs | $3,120,000 | 1,107 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $405,000 | 407 |
| Net operating income | $2,112,700 | 1,500 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $13,081,000 | 1,219 |
| Total interest expense | $2,227,000 | 1,945 |
| Net interest income | $10,854,000 | 1,023 |
| Provision for loan and lease losses | $2,080,000 | 1,244 |
| Total noninterest income | $1,157,000 | 1,823 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $272,000 | 2,552 |
| Trading account gains and fees | $5,000 | 143 |
| Additional Noninterest Income | $880,000 | 1,422 |
| Total noninterest expense | $8,125,000 | 1,223 |
| Salaries and employee benefits | $3,657,000 | 1,352 |
| Premises and equipment expense | $1,172,000 | 1,130 |
| Additional noninterest expense | $3,296,000 | 1,075 |
| Pre-tax net operating income | $1,806,000 | 1,444 |
| Securities gains (losses) | $36,000 | 2,082 |
| Applicable income taxes | $730,000 | 904 |
| Income before extraordinary items | $1,112,000 | 1,934 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,112,000 | 1,934 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,112,000 | 1,934 |
| Net charge-offs | $2,511,000 | 948 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $290,000 | 333 |
| Net operating income | $1,088,960 | 1,878 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $6,503,000 | 1,250 |
| Total interest expense | $1,180,000 | 1,935 |
| Net interest income | $5,323,000 | 1,051 |
| Provision for loan and lease losses | $1,892,000 | 782 |
| Total noninterest income | $959,000 | 1,273 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $130,000 | 2,631 |
| Trading account gains and fees | $-27,000 | 7,899 |
| Additional Noninterest Income | $856,000 | 894 |
| Total noninterest expense | $3,901,000 | 1,281 |
| Salaries and employee benefits | $1,833,000 | 1,362 |
| Premises and equipment expense | $576,000 | 1,186 |
| Additional noninterest expense | $1,492,000 | 1,180 |
| Pre-tax net operating income | $489,000 | 2,450 |
| Securities gains (losses) | $36,000 | 1,281 |
| Applicable income taxes | $178,000 | 1,545 |
| Income before extraordinary items | $347,000 | 2,837 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $347,000 | 2,834 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $347,000 | 2,837 |
| Net charge-offs | $2,229,000 | 602 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $189,000 | 230 |
| Net operating income | $323,240 | 2,884 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $25,852,000 | 1,328 |
| Total interest expense | $6,576,000 | 1,778 |
| Net interest income | $19,276,000 | 1,146 |
| Provision for loan and lease losses | $13,314,000 | 671 |
| Total noninterest income | $-2,046,000 | 7,970 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $584,000 | 2,589 |
| Trading account gains and fees | $54,000 | 161 |
| Additional Noninterest Income | $-2,684,000 | 7,965 |
| Total noninterest expense | $16,445,000 | 1,263 |
| Salaries and employee benefits | $8,089,000 | 1,218 |
| Premises and equipment expense | $2,574,000 | 1,060 |
| Additional noninterest expense | $5,782,000 | 1,303 |
| Pre-tax net operating income | $-12,529,000 | 7,573 |
| Securities gains (losses) | $-1,115,000 | 7,729 |
| Applicable income taxes | $-4,848,000 | 7,755 |
| Income before extraordinary items | $-8,796,000 | 7,506 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,796,000 | 7,505 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,796,000 | 7,505 |
| Net charge-offs | $10,277,000 | 668 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $688,000 | 487 |
| Net operating income | $-8,082,400 | 7,496 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $19,460,000 | 1,349 |
| Total interest expense | $5,182,000 | 1,779 |
| Net interest income | $14,278,000 | 1,162 |
| Provision for loan and lease losses | $8,356,000 | 721 |
| Total noninterest income | $-1,531,000 | 8,059 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $416,000 | 2,692 |
| Trading account gains and fees | $17,000 | 189 |
| Additional Noninterest Income | $-1,964,000 | 8,059 |
| Total noninterest expense | $12,497,000 | 1,238 |
| Salaries and employee benefits | $6,207,000 | 1,207 |
| Premises and equipment expense | $1,952,000 | 1,054 |
| Additional noninterest expense | $4,338,000 | 1,269 |
| Pre-tax net operating income | $-8,106,000 | 7,679 |
| Securities gains (losses) | $-1,115,000 | 7,874 |
| Applicable income taxes | $-3,289,000 | 7,830 |
| Income before extraordinary items | $-5,932,000 | 7,646 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-5,932,000 | 7,646 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-5,932,000 | 7,646 |
| Net charge-offs | $8,937,000 | 548 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $527,000 | 424 |
| Net operating income | $-5,218,400 | 7,609 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,939,000 | 1,379 |
| Total interest expense | $3,556,000 | 1,811 |
| Net interest income | $9,383,000 | 1,187 |
| Provision for loan and lease losses | $3,135,000 | 1,059 |
| Total noninterest income | $-837,000 | 8,127 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $266,000 | 2,736 |
| Trading account gains and fees | $11,000 | 179 |
| Additional Noninterest Income | $-1,114,000 | 8,131 |
| Total noninterest expense | $8,123,000 | 1,290 |
| Salaries and employee benefits | $3,912,000 | 1,310 |
| Premises and equipment expense | $1,308,000 | 1,076 |
| Additional noninterest expense | $2,903,000 | 1,287 |
| Pre-tax net operating income | $-2,712,000 | 7,523 |
| Securities gains (losses) | $-1,209,000 | 8,021 |
| Applicable income taxes | $-1,455,000 | 7,835 |
| Income before extraordinary items | $-2,466,000 | 7,568 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,466,000 | 7,567 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,466,000 | 7,567 |
| Net charge-offs | $2,825,000 | 898 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $337,000 | 398 |
| Net operating income | $-1,692,240 | 7,388 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,386,000 | 1,413 |
| Total interest expense | $1,808,000 | 1,845 |
| Net interest income | $4,578,000 | 1,208 |
| Provision for loan and lease losses | $1,658,000 | 850 |
| Total noninterest income | $111,000 | 5,018 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $135,000 | 2,665 |
| Trading account gains and fees | $19,000 | 129 |
| Additional Noninterest Income | $-43,000 | 8,072 |
| Total noninterest expense | $3,948,000 | 1,270 |
| Salaries and employee benefits | $1,961,000 | 1,318 |
| Premises and equipment expense | $619,000 | 1,161 |
| Additional noninterest expense | $1,368,000 | 1,210 |
| Pre-tax net operating income | $-917,000 | 7,605 |
| Securities gains (losses) | $-1,619,000 | 8,159 |
| Applicable income taxes | $-372,000 | 7,848 |
| Income before extraordinary items | $-2,164,000 | 7,919 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,164,000 | 7,919 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,164,000 | 7,920 |
| Net charge-offs | $1,245,000 | 844 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 282 |
| Net operating income | $-787,850 | 7,613 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,863,000 | 1,393 |
| Total interest expense | $9,098,000 | 1,774 |
| Net interest income | $18,765,000 | 1,183 |
| Provision for loan and lease losses | $2,942,000 | 1,411 |
| Total noninterest income | $665,000 | 4,250 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $442,000 | 3,259 |
| Trading account gains and fees | $71,000 | 114 |
| Additional Noninterest Income | $152,000 | 5,289 |
| Total noninterest expense | $93,799,000 | 249 |
| Salaries and employee benefits | $7,591,000 | 1,346 |
| Premises and equipment expense | $2,424,000 | 1,144 |
| Additional noninterest expense | $83,784,000 | 155 |
| Pre-tax net operating income | $-77,311,000 | 8,225 |
| Securities gains (losses) | $-11,338,000 | 8,184 |
| Applicable income taxes | $-3,492,000 | 8,043 |
| Income before extraordinary items | $-85,157,000 | 8,223 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-85,157,000 | 8,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,018,000 | 1,940 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $648,000 | 492 |
| Net operating income | $-74,272,520 | 8,221 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $21,364,000 | 1,390 |
| Total interest expense | $7,138,000 | 1,771 |
| Net interest income | $14,226,000 | 1,189 |
| Provision for loan and lease losses | $1,319,000 | 1,552 |
| Total noninterest income | $749,000 | 3,494 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $320,000 | 3,357 |
| Trading account gains and fees | $5,000 | 136 |
| Additional Noninterest Income | $424,000 | 3,089 |
| Total noninterest expense | $89,982,000 | 209 |
| Salaries and employee benefits | $5,770,000 | 1,339 |
| Premises and equipment expense | $1,791,000 | 1,160 |
| Additional noninterest expense | $82,421,000 | 119 |
| Pre-tax net operating income | $-76,326,000 | 8,342 |
| Securities gains (losses) | $-3,098,000 | 8,146 |
| Applicable income taxes | $-224,000 | 7,682 |
| Income before extraordinary items | $-79,200,000 | 8,339 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-79,200,000 | 8,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $896,000 | 1,393 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $476,000 | 391 |
| Net operating income | $-76,102,000 | 8,342 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,424,000 | 1,386 |
| Total interest expense | $4,939,000 | 1,792 |
| Net interest income | $9,485,000 | 1,174 |
| Provision for loan and lease losses | $895,000 | 1,320 |
| Total noninterest income | $491,000 | 3,549 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $199,000 | 3,498 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $292,000 | 3,071 |
| Total noninterest expense | $7,126,000 | 1,344 |
| Salaries and employee benefits | $3,867,000 | 1,343 |
| Premises and equipment expense | $1,150,000 | 1,194 |
| Additional noninterest expense | $2,109,000 | 1,394 |
| Pre-tax net operating income | $1,955,000 | 1,720 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $573,000 | 1,445 |
| Income before extraordinary items | $1,382,000 | 1,939 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,382,000 | 1,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 1,882 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $301,000 | 339 |
| Net operating income | $1,382,000 | 1,904 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,482,000 | 1,378 |
| Total interest expense | $2,723,000 | 1,725 |
| Net interest income | $4,759,000 | 1,148 |
| Provision for loan and lease losses | $532,000 | 969 |
| Total noninterest income | $258,000 | 3,445 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $98,000 | 3,504 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $160,000 | 2,933 |
| Total noninterest expense | $3,667,000 | 1,309 |
| Salaries and employee benefits | $2,078,000 | 1,257 |
| Premises and equipment expense | $551,000 | 1,245 |
| Additional noninterest expense | $1,038,000 | 1,383 |
| Pre-tax net operating income | $818,000 | 2,110 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $133,000 | 2,470 |
| Income before extraordinary items | $685,000 | 2,072 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $685,000 | 2,075 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $274,000 | 1,038 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $165,000 | 241 |
| Net operating income | $685,000 | 2,005 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,229,000 | 1,760 |
| Total interest expense | $8,799,000 | 2,146 |
| Net interest income | $15,430,000 | 1,464 |
| Provision for loan and lease losses | $224,000 | 3,702 |
| Total noninterest income | $695,000 | 4,317 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $314,000 | 3,995 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $381,000 | 3,825 |
| Total noninterest expense | $9,325,000 | 1,978 |
| Salaries and employee benefits | $5,215,000 | 1,933 |
| Premises and equipment expense | $1,473,000 | 1,791 |
| Additional noninterest expense | $2,637,000 | 2,083 |
| Pre-tax net operating income | $6,576,000 | 1,287 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,172,000 | 1,058 |
| Income before extraordinary items | $4,404,000 | 1,457 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,404,000 | 1,457 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,053 |
| Cash dividends | $5,000,000 | 733 |
| Sale, conversion, retirement of capital stock, net | $-98,000 | 8,446 |
| Net operating income | $4,404,000 | 1,441 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,048,000 | 1,973 |
| Total interest expense | $5,792,000 | 2,390 |
| Net interest income | $10,256,000 | 1,661 |
| Provision for loan and lease losses | $-76,000 | 8,402 |
| Total noninterest income | $430,000 | 4,747 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $176,000 | 4,609 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $254,000 | 4,064 |
| Total noninterest expense | $6,368,000 | 2,139 |
| Salaries and employee benefits | $3,544,000 | 2,126 |
| Premises and equipment expense | $971,000 | 1,996 |
| Additional noninterest expense | $1,853,000 | 2,157 |
| Pre-tax net operating income | $4,394,000 | 1,538 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,516,000 | 1,218 |
| Income before extraordinary items | $2,878,000 | 1,758 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,878,000 | 1,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,311 |
| Cash dividends | $5,000,000 | 572 |
| Sale, conversion, retirement of capital stock, net | $-316,000 | 8,510 |
| Net operating income | $2,878,000 | 1,744 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,601,000 | 2,663 |
| Total interest expense | $2,578,000 | 3,373 |
| Net interest income | $5,023,000 | 2,282 |
| Provision for loan and lease losses | $-184,000 | 8,516 |
| Total noninterest income | $202,000 | 5,548 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $73,000 | 5,514 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $129,000 | 4,601 |
| Total noninterest expense | $3,231,000 | 2,776 |
| Salaries and employee benefits | $1,682,000 | 2,934 |
| Premises and equipment expense | $492,000 | 2,623 |
| Additional noninterest expense | $1,057,000 | 2,506 |
| Pre-tax net operating income | $2,178,000 | 2,009 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $730,000 | 1,603 |
| Income before extraordinary items | $1,448,000 | 2,263 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,448,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $93,000 | 616 |
| Net operating income | $1,448,000 | 2,248 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $0 | 8,646 |
| Total interest expense | $0 | 8,633 |
| Net interest income | $0 | 8,643 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $0 | 8,538 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $0 | 7,573 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $0 | 8,433 |
| Total noninterest expense | $0 | 8,645 |
| Salaries and employee benefits | $0 | 8,625 |
| Premises and equipment expense | $0 | 8,607 |
| Additional noninterest expense | $0 | 8,642 |
| Pre-tax net operating income | $0 | 7,834 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $0 | 7,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $0 | 7,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $0 | 7,840 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,495,000 | 1,579 |
| Total interest expense | $7,182,000 | 2,240 |
| Net interest income | $18,313,000 | 1,236 |
| Provision for loan and lease losses | $455,000 | 2,047 |
| Total noninterest income | $883,000 | 3,823 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $302,000 | 4,121 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $581,000 | 3,078 |
| Total noninterest expense | $10,446,000 | 1,700 |
| Salaries and employee benefits | $5,735,000 | 1,697 |
| Premises and equipment expense | $1,725,000 | 1,491 |
| Additional noninterest expense | $2,986,000 | 1,770 |
| Pre-tax net operating income | $8,295,000 | 1,189 |
| Securities gains (losses) | $-27,000 | 7,677 |
| Applicable income taxes | $2,733,000 | 1,028 |
| Income before extraordinary items | $5,535,000 | 1,318 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,535,000 | 1,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,446 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $127,000 | 848 |
| Net operating income | $5,553,090 | 1,298 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,354,000 | 1,623 |
| Total interest expense | $4,871,000 | 2,367 |
| Net interest income | $13,483,000 | 1,279 |
| Provision for loan and lease losses | $465,000 | 1,474 |
| Total noninterest income | $616,000 | 4,001 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $225,000 | 4,158 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $391,000 | 3,258 |
| Total noninterest expense | $7,781,000 | 1,718 |
| Salaries and employee benefits | $4,392,000 | 1,679 |
| Premises and equipment expense | $1,259,000 | 1,546 |
| Additional noninterest expense | $2,130,000 | 1,821 |
| Pre-tax net operating income | $5,853,000 | 1,301 |
| Securities gains (losses) | $-27,000 | 7,950 |
| Applicable income taxes | $1,930,000 | 1,120 |
| Income before extraordinary items | $3,896,000 | 1,439 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,896,000 | 1,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,470 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $112,000 | 688 |
| Net operating income | $3,914,090 | 1,418 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,612,000 | 1,681 |
| Total interest expense | $2,740,000 | 2,626 |
| Net interest income | $8,872,000 | 1,294 |
| Provision for loan and lease losses | $275,000 | 1,625 |
| Total noninterest income | $407,000 | 4,018 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $145,000 | 4,206 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $262,000 | 3,249 |
| Total noninterest expense | $5,108,000 | 1,740 |
| Salaries and employee benefits | $2,860,000 | 1,713 |
| Premises and equipment expense | $818,000 | 1,584 |
| Additional noninterest expense | $1,430,000 | 1,825 |
| Pre-tax net operating income | $3,896,000 | 1,290 |
| Securities gains (losses) | $-27,000 | 8,184 |
| Applicable income taxes | $1,279,000 | 1,137 |
| Income before extraordinary items | $2,590,000 | 1,442 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,590,000 | 1,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-78,000 | 8,528 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $67,000 | 600 |
| Net operating income | $2,608,090 | 1,425 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,530,000 | 1,722 |
| Total interest expense | $1,261,000 | 2,697 |
| Net interest income | $4,269,000 | 1,342 |
| Provision for loan and lease losses | $40,000 | 3,523 |
| Total noninterest income | $173,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $65,000 | 4,375 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,577 |
| Total noninterest expense | $2,550,000 | 1,751 |
| Salaries and employee benefits | $1,418,000 | 1,730 |
| Premises and equipment expense | $403,000 | 1,615 |
| Additional noninterest expense | $729,000 | 1,791 |
| Pre-tax net operating income | $1,852,000 | 1,331 |
| Securities gains (losses) | $-27,000 | 8,441 |
| Applicable income taxes | $601,000 | 1,195 |
| Income before extraordinary items | $1,224,000 | 1,481 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,224,000 | 1,480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 8,541 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 474 |
| Net operating income | $1,242,090 | 1,444 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,799,000 | 1,797 |
| Total interest expense | $3,202,000 | 3,154 |
| Net interest income | $15,597,000 | 1,397 |
| Provision for loan and lease losses | $645,000 | 1,544 |
| Total noninterest income | $833,000 | 3,967 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $265,000 | 4,451 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $568,000 | 3,161 |
| Total noninterest expense | $8,871,000 | 1,905 |
| Salaries and employee benefits | $5,142,000 | 1,813 |
| Premises and equipment expense | $1,422,000 | 1,718 |
| Additional noninterest expense | $2,307,000 | 2,169 |
| Pre-tax net operating income | $6,914,000 | 1,384 |
| Securities gains (losses) | $-8,000 | 7,452 |
| Applicable income taxes | $2,237,000 | 1,237 |
| Income before extraordinary items | $4,669,000 | 1,513 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $4,669,000 | 1,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,359 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 773 |
| Net operating income | $4,674,440 | 1,486 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,359,000 | 1,841 |
| Total interest expense | $2,230,000 | 3,208 |
| Net interest income | $11,129,000 | 1,455 |
| Provision for loan and lease losses | $550,000 | 1,284 |
| Total noninterest income | $673,000 | 3,809 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $205,000 | 4,405 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $468,000 | 3,006 |
| Total noninterest expense | $6,544,000 | 1,914 |
| Salaries and employee benefits | $3,742,000 | 1,853 |
| Premises and equipment expense | $1,072,000 | 1,701 |
| Additional noninterest expense | $1,730,000 | 2,142 |
| Pre-tax net operating income | $4,708,000 | 1,522 |
| Securities gains (losses) | $-8,000 | 7,835 |
| Applicable income taxes | $1,511,000 | 1,377 |
| Income before extraordinary items | $3,189,000 | 1,649 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,189,000 | 1,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,302 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 638 |
| Net operating income | $3,194,440 | 1,609 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,457,000 | 1,891 |
| Total interest expense | $1,414,000 | 3,204 |
| Net interest income | $7,043,000 | 1,516 |
| Provision for loan and lease losses | $290,000 | 1,600 |
| Total noninterest income | $484,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $137,000 | 4,352 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $347,000 | 2,788 |
| Total noninterest expense | $4,351,000 | 1,905 |
| Salaries and employee benefits | $2,432,000 | 1,875 |
| Premises and equipment expense | $748,000 | 1,611 |
| Additional noninterest expense | $1,171,000 | 2,096 |
| Pre-tax net operating income | $2,886,000 | 1,620 |
| Securities gains (losses) | $-10,000 | 8,138 |
| Applicable income taxes | $921,000 | 1,459 |
| Income before extraordinary items | $1,955,000 | 1,749 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,955,000 | 1,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,284 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 545 |
| Net operating income | $1,961,800 | 1,716 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,105,000 | 1,891 |
| Total interest expense | $695,000 | 3,141 |
| Net interest income | $3,410,000 | 1,555 |
| Provision for loan and lease losses | $105,000 | 1,941 |
| Total noninterest income | $221,000 | 3,737 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $69,000 | 4,296 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $152,000 | 2,953 |
| Total noninterest expense | $2,186,000 | 1,892 |
| Salaries and employee benefits | $1,187,000 | 1,929 |
| Premises and equipment expense | $407,000 | 1,488 |
| Additional noninterest expense | $592,000 | 2,070 |
| Pre-tax net operating income | $1,340,000 | 1,711 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $430,000 | 1,535 |
| Income before extraordinary items | $911,000 | 1,859 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $911,000 | 1,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,145 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 429 |
| Net operating income | $910,320 | 1,819 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,357,000 | 2,331 |
| Total interest expense | $1,511,000 | 4,491 |
| Net interest income | $10,846,000 | 1,865 |
| Provision for loan and lease losses | $447,000 | 2,164 |
| Total noninterest income | $535,000 | 5,096 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $249,000 | 4,759 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $286,000 | 4,351 |
| Total noninterest expense | $6,854,000 | 2,327 |
| Salaries and employee benefits | $3,973,000 | 2,192 |
| Premises and equipment expense | $1,010,000 | 2,270 |
| Additional noninterest expense | $1,871,000 | 2,569 |
| Pre-tax net operating income | $4,080,000 | 2,033 |
| Securities gains (losses) | $63,000 | 1,563 |
| Applicable income taxes | $1,302,000 | 1,793 |
| Income before extraordinary items | $2,841,000 | 2,176 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,841,000 | 2,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 8,455 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $48,000 | 740 |
| Net operating income | $2,797,530 | 2,155 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,835,000 | 2,408 |
| Total interest expense | $1,037,000 | 4,692 |
| Net interest income | $7,798,000 | 1,927 |
| Provision for loan and lease losses | $280,000 | 2,380 |
| Total noninterest income | $474,000 | 4,681 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $186,000 | 4,804 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $288,000 | 3,807 |
| Total noninterest expense | $4,899,000 | 2,423 |
| Salaries and employee benefits | $2,894,000 | 2,234 |
| Premises and equipment expense | $668,000 | 2,534 |
| Additional noninterest expense | $1,337,000 | 2,642 |
| Pre-tax net operating income | $3,093,000 | 2,019 |
| Securities gains (losses) | $58,000 | 1,547 |
| Applicable income taxes | $987,000 | 1,795 |
| Income before extraordinary items | $2,164,000 | 2,167 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,164,000 | 2,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $34,000 | 622 |
| Net operating income | $2,123,980 | 2,144 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,663,000 | 2,472 |
| Total interest expense | $668,000 | 4,796 |
| Net interest income | $4,995,000 | 1,996 |
| Provision for loan and lease losses | $195,000 | 2,252 |
| Total noninterest income | $245,000 | 5,343 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $121,000 | 4,859 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $124,000 | 4,707 |
| Total noninterest expense | $3,140,000 | 2,519 |
| Salaries and employee benefits | $1,881,000 | 2,303 |
| Premises and equipment expense | $435,000 | 2,581 |
| Additional noninterest expense | $824,000 | 2,862 |
| Pre-tax net operating income | $1,905,000 | 2,132 |
| Securities gains (losses) | $52,000 | 1,433 |
| Applicable income taxes | $601,000 | 1,924 |
| Income before extraordinary items | $1,356,000 | 2,261 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,356,000 | 2,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,159 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $20,000 | 555 |
| Net operating income | $1,320,120 | 2,258 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,811,000 | 2,486 |
| Total interest expense | $334,000 | 4,847 |
| Net interest income | $2,477,000 | 2,011 |
| Provision for loan and lease losses | $115,000 | 1,912 |
| Total noninterest income | $109,000 | 5,576 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $59,000 | 4,847 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $1,566,000 | 2,536 |
| Salaries and employee benefits | $929,000 | 2,336 |
| Premises and equipment expense | $220,000 | 2,567 |
| Additional noninterest expense | $417,000 | 2,793 |
| Pre-tax net operating income | $905,000 | 2,184 |
| Securities gains (losses) | $54,000 | 1,148 |
| Applicable income taxes | $292,000 | 1,969 |
| Income before extraordinary items | $667,000 | 2,273 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $667,000 | 2,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,968 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 419 |
| Net operating income | $629,200 | 2,300 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,971,000 | 2,828 |
| Total interest expense | $1,503,000 | 4,865 |
| Net interest income | $8,468,000 | 2,292 |
| Provision for loan and lease losses | $455,000 | 2,330 |
| Total noninterest income | $537,000 | 5,234 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $203,000 | 5,239 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $334,000 | 4,295 |
| Total noninterest expense | $5,379,000 | 2,874 |
| Salaries and employee benefits | $3,181,000 | 2,643 |
| Premises and equipment expense | $826,000 | 2,674 |
| Additional noninterest expense | $1,372,000 | 3,337 |
| Pre-tax net operating income | $3,171,000 | 2,399 |
| Securities gains (losses) | $116,000 | 1,758 |
| Applicable income taxes | $910,000 | 2,305 |
| Income before extraordinary items | $2,377,000 | 2,487 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,377,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,961 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 803 |
| Net operating income | $2,293,480 | 2,446 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,171,000 | 2,997 |
| Total interest expense | $1,144,000 | 4,955 |
| Net interest income | $6,027,000 | 2,433 |
| Provision for loan and lease losses | $285,000 | 2,606 |
| Total noninterest income | $430,000 | 5,124 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $145,000 | 5,385 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $285,000 | 4,125 |
| Total noninterest expense | $3,934,000 | 2,941 |
| Salaries and employee benefits | $2,268,000 | 2,755 |
| Premises and equipment expense | $621,000 | 2,690 |
| Additional noninterest expense | $1,045,000 | 3,266 |
| Pre-tax net operating income | $2,238,000 | 2,612 |
| Securities gains (losses) | $80,000 | 1,936 |
| Applicable income taxes | $636,000 | 2,561 |
| Income before extraordinary items | $1,682,000 | 2,711 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,682,000 | 2,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,987 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 654 |
| Net operating income | $1,623,600 | 2,648 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,601,000 | 3,112 |
| Total interest expense | $778,000 | 5,019 |
| Net interest income | $3,823,000 | 2,548 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $225,000 | 5,736 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $93,000 | 5,436 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $132,000 | 4,817 |
| Total noninterest expense | $2,553,000 | 2,997 |
| Salaries and employee benefits | $1,464,000 | 2,841 |
| Premises and equipment expense | $408,000 | 2,716 |
| Additional noninterest expense | $681,000 | 3,311 |
| Pre-tax net operating income | $1,225,000 | 3,036 |
| Securities gains (losses) | $79,000 | 1,687 |
| Applicable income taxes | $346,000 | 2,979 |
| Income before extraordinary items | $958,000 | 3,065 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $958,000 | 3,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 543 |
| Net operating income | $900,330 | 3,043 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,186,000 | 3,257 |
| Total interest expense | $373,000 | 5,244 |
| Net interest income | $1,813,000 | 2,666 |
| Provision for loan and lease losses | $125,000 | 1,986 |
| Total noninterest income | $113,000 | 5,598 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $48,000 | 5,295 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $65,000 | 4,760 |
| Total noninterest expense | $1,262,000 | 3,007 |
| Salaries and employee benefits | $709,000 | 2,920 |
| Premises and equipment expense | $202,000 | 2,737 |
| Additional noninterest expense | $351,000 | 3,181 |
| Pre-tax net operating income | $539,000 | 3,328 |
| Securities gains (losses) | $18,000 | 1,950 |
| Applicable income taxes | $143,000 | 3,302 |
| Income before extraordinary items | $414,000 | 3,377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,386 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 394 |
| Net operating income | $400,680 | 3,288 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,804,000 | 3,720 |
| Total interest expense | $1,572,000 | 5,578 |
| Net interest income | $6,232,000 | 3,045 |
| Provision for loan and lease losses | $633,000 | 1,970 |
| Total noninterest income | $419,000 | 5,662 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $152,000 | 5,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $267,000 | 4,500 |
| Total noninterest expense | $4,572,000 | 3,182 |
| Salaries and employee benefits | $2,648,000 | 2,968 |
| Premises and equipment expense | $772,000 | 2,756 |
| Additional noninterest expense | $1,152,000 | 3,738 |
| Pre-tax net operating income | $1,446,000 | 4,212 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $278,000 | 4,571 |
| Income before extraordinary items | $1,228,000 | 4,015 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,228,000 | 4,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $357,000 | 2,102 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,178,800 | 4,029 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,478,000 | 4,686 |
| Total interest expense | $1,952,000 | 6,171 |
| Net interest income | $4,526,000 | 3,745 |
| Provision for loan and lease losses | $576,000 | 1,969 |
| Total noninterest income | $270,000 | 6,671 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $98,000 | 6,612 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $172,000 | 5,245 |
| Total noninterest expense | $3,682,000 | 3,677 |
| Salaries and employee benefits | $2,158,000 | 3,367 |
| Premises and equipment expense | $594,000 | 3,382 |
| Additional noninterest expense | $930,000 | 4,300 |
| Pre-tax net operating income | $538,000 | 6,407 |
| Securities gains (losses) | $26,000 | 2,933 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $564,000 | 5,771 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $564,000 | 5,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,190 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $11,000 | 838 |
| Net operating income | $538,000 | 5,775 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,305,000 | 6,248 |
| Total interest expense | $1,396,000 | 7,358 |
| Net interest income | $2,909,000 | 5,262 |
| Provision for loan and lease losses | $545,000 | 1,740 |
| Total noninterest income | $80,000 | 8,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 8,119 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 7,733 |
| Total noninterest expense | $2,418,000 | 4,965 |
| Salaries and employee benefits | $1,330,000 | 4,820 |
| Premises and equipment expense | $354,000 | 4,896 |
| Additional noninterest expense | $734,000 | 5,008 |
| Pre-tax net operating income | $26,000 | 9,032 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $26,000 | 9,047 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $26,000 | 9,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $4,984,000 | 224 |
| Net operating income | $26,000 | 9,032 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $346,000 | 10,049 |
| Total interest expense | $57,000 | 10,095 |
| Net interest income | $289,000 | 9,976 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $3,000 | 10,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,000 | 8,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,000 | 10,109 |
| Total noninterest expense | $945,000 | 8,279 |
| Salaries and employee benefits | $419,000 | 8,789 |
| Premises and equipment expense | $85,000 | 8,926 |
| Additional noninterest expense | $441,000 | 6,963 |
| Pre-tax net operating income | $-773,000 | 9,995 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-773,000 | 10,021 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-773,000 | 10,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $9,969,000 | 79 |
| Net operating income | $-773,000 | 10,010 |
* 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.