Home > First National Bank of the Rockies > Income and Expense
First National Bank of the Rockies, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,935,000 | 2,432 |
| Total interest expense | $375,000 | 3,261 |
| Net interest income | $4,560,000 | 2,319 |
| Provision for loan and lease losses | $-250,000 | 6,432 |
| Total noninterest income | $1,310,000 | 1,707 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $425,000 | 1,489 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $885,000 | 1,578 |
| Total noninterest expense | $5,191,000 | 1,821 |
| Salaries and employee benefits | $2,691,000 | 1,918 |
| Premises and equipment expense | $1,220,000 | 1,004 |
| Additional noninterest expense | $1,280,000 | 2,343 |
| Pre-tax net operating income | $929,000 | 3,090 |
| Securities gains (losses) | $123,000 | 685 |
| Applicable income taxes | $0 | 4,568 |
| Income before extraordinary items | $1,052,000 | 2,553 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,052,000 | 2,556 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $1,052,000 | 2,557 |
| Net charge-offs | $-42,000 | 6,106 |
| Cash dividends | $0 | 3,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $929,000 | 2,743 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,440,000 | 2,460 |
| Total interest expense | $193,000 | 3,249 |
| Net interest income | $2,247,000 | 2,338 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $845,000 | 1,399 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $209,000 | 1,494 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $636,000 | 1,191 |
| Total noninterest expense | $2,584,000 | 1,834 |
| Salaries and employee benefits | $1,275,000 | 2,036 |
| Premises and equipment expense | $595,000 | 1,054 |
| Additional noninterest expense | $714,000 | 2,111 |
| Pre-tax net operating income | $508,000 | 2,858 |
| Securities gains (losses) | $116,000 | 389 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $624,000 | 2,213 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $624,000 | 2,215 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $624,000 | 2,215 |
| Net charge-offs | $-99,000 | 6,468 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $508,000 | 2,486 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $10,008,000 | 2,426 |
| Total interest expense | $820,000 | 3,398 |
| Net interest income | $9,188,000 | 2,278 |
| Provision for loan and lease losses | $-1,576,000 | 6,714 |
| Total noninterest income | $3,000,000 | 1,610 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $992,000 | 1,372 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,008,000 | 1,505 |
| Total noninterest expense | $12,829,000 | 1,510 |
| Salaries and employee benefits | $5,541,000 | 1,840 |
| Premises and equipment expense | $2,503,000 | 962 |
| Additional noninterest expense | $4,785,000 | 1,395 |
| Pre-tax net operating income | $935,000 | 4,176 |
| Securities gains (losses) | $501,000 | 448 |
| Applicable income taxes | $-2,069,000 | 6,726 |
| Income before extraordinary items | $3,505,000 | 1,675 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,505,000 | 1,678 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,505,000 | 1,679 |
| Net charge-offs | $-89,000 | 6,506 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $3,004,000 | 1,867 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,428,000 | 2,467 |
| Total interest expense | $635,000 | 3,398 |
| Net interest income | $6,793,000 | 2,324 |
| Provision for loan and lease losses | $-1,576,000 | 6,814 |
| Total noninterest income | $2,318,000 | 1,613 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $745,000 | 1,375 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,573,000 | 1,497 |
| Total noninterest expense | $9,910,000 | 1,483 |
| Salaries and employee benefits | $4,101,000 | 1,872 |
| Premises and equipment expense | $1,897,000 | 965 |
| Additional noninterest expense | $3,912,000 | 1,285 |
| Pre-tax net operating income | $777,000 | 4,108 |
| Securities gains (losses) | $484,000 | 425 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $1,261,000 | 2,976 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,261,000 | 2,980 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,261,000 | 2,980 |
| Net charge-offs | $-67,000 | 6,517 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $777,000 | 3,808 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $5,075,000 | 2,405 |
| Total interest expense | $425,000 | 3,453 |
| Net interest income | $4,650,000 | 2,237 |
| Provision for loan and lease losses | $-1,000,000 | 6,852 |
| Total noninterest income | $1,551,000 | 1,608 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $486,000 | 1,376 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,065,000 | 1,511 |
| Total noninterest expense | $5,886,000 | 1,629 |
| Salaries and employee benefits | $2,800,000 | 1,842 |
| Premises and equipment expense | $1,289,000 | 933 |
| Additional noninterest expense | $1,797,000 | 1,759 |
| Pre-tax net operating income | $1,315,000 | 2,428 |
| Securities gains (losses) | $468,000 | 390 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $1,783,000 | 1,679 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,783,000 | 1,683 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $1,783,000 | 1,684 |
| Net charge-offs | $14,000 | 4,186 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $1,315,000 | 2,060 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,579,000 | 2,396 |
| Total interest expense | $223,000 | 3,424 |
| Net interest income | $2,356,000 | 2,227 |
| Provision for loan and lease losses | $-1,000,000 | 6,975 |
| Total noninterest income | $746,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $234,000 | 1,409 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $512,000 | 1,548 |
| Total noninterest expense | $2,904,000 | 1,664 |
| Salaries and employee benefits | $1,363,000 | 1,902 |
| Premises and equipment expense | $634,000 | 975 |
| Additional noninterest expense | $907,000 | 1,760 |
| Pre-tax net operating income | $1,198,000 | 1,473 |
| Securities gains (losses) | $70,000 | 793 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $1,268,000 | 1,178 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $1,268,000 | 1,180 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $1,268,000 | 1,180 |
| Net charge-offs | $-97,000 | 6,836 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $1,198,000 | 1,198 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,962,000 | 2,357 |
| Total interest expense | $1,034,000 | 3,529 |
| Net interest income | $9,928,000 | 2,167 |
| Provision for loan and lease losses | $0 | 5,905 |
| Total noninterest income | $3,273,000 | 1,547 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $796,000 | 1,701 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,477,000 | 1,333 |
| Total noninterest expense | $13,196,000 | 1,486 |
| Salaries and employee benefits | $5,824,000 | 1,744 |
| Premises and equipment expense | $2,397,000 | 997 |
| Additional noninterest expense | $4,975,000 | 1,360 |
| Pre-tax net operating income | $5,000 | 6,134 |
| Securities gains (losses) | $329,000 | 1,284 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $334,000 | 5,381 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $334,000 | 5,378 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $334,000 | 5,379 |
| Net charge-offs | $1,454,000 | 1,431 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $5,000 | 6,155 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,379,000 | 2,371 |
| Total interest expense | $803,000 | 3,582 |
| Net interest income | $7,576,000 | 2,165 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $2,533,000 | 1,502 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $584,000 | 1,751 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,949,000 | 1,284 |
| Total noninterest expense | $9,937,000 | 1,483 |
| Salaries and employee benefits | $4,325,000 | 1,744 |
| Premises and equipment expense | $1,780,000 | 1,006 |
| Additional noninterest expense | $3,832,000 | 1,334 |
| Pre-tax net operating income | $172,000 | 5,778 |
| Securities gains (losses) | $556,000 | 691 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $728,000 | 4,033 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $728,000 | 4,032 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $728,000 | 4,034 |
| Net charge-offs | $1,392,000 | 1,178 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $172,000 | 5,671 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,653,000 | 2,359 |
| Total interest expense | $556,000 | 3,580 |
| Net interest income | $5,097,000 | 2,138 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $1,521,000 | 1,615 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $381,000 | 1,777 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,140,000 | 1,386 |
| Total noninterest expense | $6,545,000 | 1,497 |
| Salaries and employee benefits | $2,946,000 | 1,708 |
| Premises and equipment expense | $1,194,000 | 998 |
| Additional noninterest expense | $2,405,000 | 1,413 |
| Pre-tax net operating income | $73,000 | 5,996 |
| Securities gains (losses) | $468,000 | 583 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $541,000 | 3,829 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $541,000 | 3,831 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $541,000 | 3,832 |
| Net charge-offs | $888,000 | 1,242 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $73,000 | 5,957 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,939,000 | 2,312 |
| Total interest expense | $296,000 | 3,539 |
| Net interest income | $2,643,000 | 2,079 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $781,000 | 1,549 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $188,000 | 1,792 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $593,000 | 1,340 |
| Total noninterest expense | $3,367,000 | 1,461 |
| Salaries and employee benefits | $1,398,000 | 1,796 |
| Premises and equipment expense | $626,000 | 969 |
| Additional noninterest expense | $1,343,000 | 1,251 |
| Pre-tax net operating income | $57,000 | 5,856 |
| Securities gains (losses) | $286,000 | 470 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $343,000 | 3,389 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $343,000 | 3,392 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $343,000 | 3,392 |
| Net charge-offs | $679,000 | 888 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $57,000 | 5,760 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $12,798,000 | 2,186 |
| Total interest expense | $1,655,000 | 3,188 |
| Net interest income | $11,143,000 | 1,965 |
| Provision for loan and lease losses | $1,800,000 | 1,675 |
| Total noninterest income | $2,819,000 | 1,565 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $907,000 | 1,606 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,912,000 | 1,412 |
| Total noninterest expense | $13,499,000 | 1,436 |
| Salaries and employee benefits | $5,441,000 | 1,781 |
| Premises and equipment expense | $2,585,000 | 962 |
| Additional noninterest expense | $5,473,000 | 1,267 |
| Pre-tax net operating income | $-1,337,000 | 6,673 |
| Securities gains (losses) | $770,000 | 563 |
| Applicable income taxes | $37,000 | 3,871 |
| Income before extraordinary items | $-604,000 | 6,518 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-604,000 | 6,519 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $-604,000 | 6,518 |
| Net charge-offs | $4,238,000 | 915 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-1,374,000 | 6,703 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,669,000 | 2,194 |
| Total interest expense | $1,285,000 | 3,222 |
| Net interest income | $8,384,000 | 1,961 |
| Provision for loan and lease losses | $1,027,000 | 1,932 |
| Total noninterest income | $1,995,000 | 1,615 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $692,000 | 1,582 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,303,000 | 1,476 |
| Total noninterest expense | $10,075,000 | 1,452 |
| Salaries and employee benefits | $3,949,000 | 1,865 |
| Premises and equipment expense | $1,934,000 | 983 |
| Additional noninterest expense | $4,192,000 | 1,232 |
| Pre-tax net operating income | $-723,000 | 6,697 |
| Securities gains (losses) | $309,000 | 906 |
| Applicable income taxes | $37,000 | 3,772 |
| Income before extraordinary items | $-451,000 | 6,670 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-451,000 | 6,671 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-451,000 | 6,671 |
| Net charge-offs | $3,377,000 | 863 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-760,000 | 6,752 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,616,000 | 2,159 |
| Total interest expense | $894,000 | 3,229 |
| Net interest income | $5,722,000 | 1,929 |
| Provision for loan and lease losses | $957,000 | 1,529 |
| Total noninterest income | $1,363,000 | 1,583 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $461,000 | 1,565 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $902,000 | 1,441 |
| Total noninterest expense | $6,600,000 | 1,488 |
| Salaries and employee benefits | $2,459,000 | 1,983 |
| Premises and equipment expense | $1,260,000 | 1,014 |
| Additional noninterest expense | $2,881,000 | 1,224 |
| Pre-tax net operating income | $-472,000 | 6,774 |
| Securities gains (losses) | $123,000 | 997 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-349,000 | 6,749 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-349,000 | 6,749 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-349,000 | 6,750 |
| Net charge-offs | $2,497,000 | 786 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-472,000 | 6,816 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,516,000 | 2,043 |
| Total interest expense | $474,000 | 3,184 |
| Net interest income | $3,042,000 | 1,829 |
| Provision for loan and lease losses | $958,000 | 888 |
| Total noninterest income | $624,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $207,000 | 1,701 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $417,000 | 1,526 |
| Total noninterest expense | $3,673,000 | 1,360 |
| Salaries and employee benefits | $1,177,000 | 2,082 |
| Premises and equipment expense | $634,000 | 1,032 |
| Additional noninterest expense | $1,862,000 | 962 |
| Pre-tax net operating income | $-965,000 | 7,257 |
| Securities gains (losses) | $123,000 | 476 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-842,000 | 7,259 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-842,000 | 7,260 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-842,000 | 7,260 |
| Net charge-offs | $1,389,000 | 682 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-965,000 | 7,280 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,598,000 | 1,945 |
| Total interest expense | $2,701,000 | 2,818 |
| Net interest income | $12,897,000 | 1,715 |
| Provision for loan and lease losses | $9,169,000 | 713 |
| Total noninterest income | $2,748,000 | 1,648 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,173,000 | 1,282 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,575,000 | 1,640 |
| Total noninterest expense | $15,563,000 | 1,288 |
| Salaries and employee benefits | $5,637,000 | 1,726 |
| Premises and equipment expense | $2,677,000 | 963 |
| Additional noninterest expense | $7,249,000 | 1,022 |
| Pre-tax net operating income | $-9,087,000 | 7,326 |
| Securities gains (losses) | $-356,000 | 7,380 |
| Applicable income taxes | $439,000 | 2,015 |
| Income before extraordinary items | $-9,882,000 | 7,374 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-9,882,000 | 7,374 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-9,882,000 | 7,374 |
| Net charge-offs | $7,546,000 | 748 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-9,526,000 | 7,352 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,962,000 | 1,938 |
| Total interest expense | $2,164,000 | 2,790 |
| Net interest income | $9,798,000 | 1,715 |
| Provision for loan and lease losses | $6,479,000 | 715 |
| Total noninterest income | $2,164,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $916,000 | 1,264 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,248,000 | 1,548 |
| Total noninterest expense | $12,220,000 | 1,221 |
| Salaries and employee benefits | $4,106,000 | 1,789 |
| Premises and equipment expense | $2,054,000 | 936 |
| Additional noninterest expense | $6,060,000 | 882 |
| Pre-tax net operating income | $-6,737,000 | 7,453 |
| Securities gains (losses) | $-149,000 | 7,441 |
| Applicable income taxes | $-2,500,000 | 7,628 |
| Income before extraordinary items | $-4,386,000 | 7,387 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-4,386,000 | 7,387 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-4,386,000 | 7,387 |
| Net charge-offs | $4,754,000 | 811 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-4,290,640 | 7,357 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,019,000 | 1,950 |
| Total interest expense | $1,491,000 | 2,806 |
| Net interest income | $6,528,000 | 1,719 |
| Provision for loan and lease losses | $5,127,000 | 621 |
| Total noninterest income | $1,432,000 | 1,558 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $612,000 | 1,278 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $820,000 | 1,498 |
| Total noninterest expense | $6,302,000 | 1,569 |
| Salaries and employee benefits | $2,573,000 | 1,903 |
| Premises and equipment expense | $1,405,000 | 933 |
| Additional noninterest expense | $2,324,000 | 1,530 |
| Pre-tax net operating income | $-3,469,000 | 7,438 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-1,877,000 | 7,692 |
| Income before extraordinary items | $-1,592,000 | 7,261 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,592,000 | 7,260 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,592,000 | 7,261 |
| Net charge-offs | $3,662,000 | 702 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,592,000 | 7,251 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,163,000 | 1,924 |
| Total interest expense | $795,000 | 2,764 |
| Net interest income | $3,368,000 | 1,690 |
| Provision for loan and lease losses | $3,112,000 | 532 |
| Total noninterest income | $702,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $294,000 | 1,331 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $408,000 | 1,494 |
| Total noninterest expense | $3,041,000 | 1,646 |
| Salaries and employee benefits | $1,210,000 | 2,040 |
| Premises and equipment expense | $715,000 | 945 |
| Additional noninterest expense | $1,116,000 | 1,580 |
| Pre-tax net operating income | $-2,083,000 | 7,609 |
| Securities gains (losses) | $63,000 | 1,031 |
| Applicable income taxes | $-1,059,000 | 7,796 |
| Income before extraordinary items | $-961,000 | 7,460 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-961,000 | 7,460 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-961,000 | 7,461 |
| Net charge-offs | $1,324,000 | 859 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,001,320 | 7,461 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $19,685,000 | 1,736 |
| Total interest expense | $4,351,000 | 2,549 |
| Net interest income | $15,334,000 | 1,456 |
| Provision for loan and lease losses | $9,681,000 | 896 |
| Total noninterest income | $3,240,000 | 1,523 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,507,000 | 1,147 |
| Trading account gains and fees | $-177,000 | 7,976 |
| Additional Noninterest Income | $1,910,000 | 1,415 |
| Total noninterest expense | $13,231,000 | 1,566 |
| Salaries and employee benefits | $6,038,000 | 1,646 |
| Premises and equipment expense | $2,914,000 | 934 |
| Additional noninterest expense | $4,279,000 | 1,750 |
| Pre-tax net operating income | $-4,338,000 | 7,108 |
| Securities gains (losses) | $348,000 | 1,106 |
| Applicable income taxes | $-2,526,000 | 7,581 |
| Income before extraordinary items | $-1,464,000 | 6,554 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,464,000 | 6,554 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,464,000 | 6,554 |
| Net charge-offs | $5,798,000 | 1,025 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,686,720 | 6,636 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,296,000 | 1,701 |
| Total interest expense | $3,563,000 | 2,473 |
| Net interest income | $11,733,000 | 1,422 |
| Provision for loan and lease losses | $6,256,000 | 892 |
| Total noninterest income | $2,472,000 | 1,528 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,157,000 | 1,114 |
| Trading account gains and fees | $-178,000 | 8,074 |
| Additional Noninterest Income | $1,493,000 | 1,406 |
| Total noninterest expense | $9,457,000 | 1,613 |
| Salaries and employee benefits | $4,505,000 | 1,668 |
| Premises and equipment expense | $2,212,000 | 932 |
| Additional noninterest expense | $2,740,000 | 1,930 |
| Pre-tax net operating income | $-1,508,000 | 6,865 |
| Securities gains (losses) | $28,000 | 2,601 |
| Applicable income taxes | $-1,929,000 | 7,707 |
| Income before extraordinary items | $449,000 | 3,870 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $449,000 | 3,867 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $449,000 | 3,869 |
| Net charge-offs | $3,182,000 | 1,143 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $431,080 | 3,836 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,347,000 | 1,713 |
| Total interest expense | $2,537,000 | 2,419 |
| Net interest income | $7,810,000 | 1,427 |
| Provision for loan and lease losses | $5,425,000 | 700 |
| Total noninterest income | $1,584,000 | 1,579 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $767,000 | 1,107 |
| Trading account gains and fees | $-178,000 | 8,170 |
| Additional Noninterest Income | $995,000 | 1,441 |
| Total noninterest expense | $6,159,000 | 1,671 |
| Salaries and employee benefits | $2,945,000 | 1,734 |
| Premises and equipment expense | $1,489,000 | 943 |
| Additional noninterest expense | $1,725,000 | 2,051 |
| Pre-tax net operating income | $-2,190,000 | 7,429 |
| Securities gains (losses) | $-127,000 | 7,722 |
| Applicable income taxes | $-1,939,000 | 7,891 |
| Income before extraordinary items | $-378,000 | 6,629 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-378,000 | 6,630 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-378,000 | 6,630 |
| Net charge-offs | $2,976,000 | 865 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-296,720 | 6,522 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,285,000 | 1,696 |
| Total interest expense | $1,367,000 | 2,329 |
| Net interest income | $3,918,000 | 1,413 |
| Provision for loan and lease losses | $3,972,000 | 479 |
| Total noninterest income | $697,000 | 1,700 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $384,000 | 1,085 |
| Trading account gains and fees | $-178,000 | 8,210 |
| Additional Noninterest Income | $491,000 | 1,411 |
| Total noninterest expense | $3,156,000 | 1,598 |
| Salaries and employee benefits | $1,598,000 | 1,620 |
| Premises and equipment expense | $755,000 | 947 |
| Additional noninterest expense | $803,000 | 1,986 |
| Pre-tax net operating income | $-2,513,000 | 7,900 |
| Securities gains (losses) | $147,000 | 807 |
| Applicable income taxes | $-1,142,000 | 8,025 |
| Income before extraordinary items | $-1,224,000 | 7,764 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,224,000 | 7,767 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,224,000 | 7,766 |
| Net charge-offs | $1,327,000 | 802 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,318,080 | 7,786 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $24,513,000 | 1,585 |
| Total interest expense | $7,457,000 | 2,091 |
| Net interest income | $17,056,000 | 1,301 |
| Provision for loan and lease losses | $1,163,000 | 2,489 |
| Total noninterest income | $1,656,000 | 2,451 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,508,000 | 1,194 |
| Trading account gains and fees | $-1,724,000 | 8,257 |
| Additional Noninterest Income | $1,872,000 | 1,363 |
| Total noninterest expense | $13,041,000 | 1,495 |
| Salaries and employee benefits | $6,590,000 | 1,573 |
| Premises and equipment expense | $2,993,000 | 920 |
| Additional noninterest expense | $3,458,000 | 1,765 |
| Pre-tax net operating income | $4,508,000 | 1,212 |
| Securities gains (losses) | $-4,271,000 | 8,059 |
| Applicable income taxes | $-336,000 | 7,357 |
| Income before extraordinary items | $573,000 | 4,241 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $573,000 | 4,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 4,138 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $4,844,000 | 907 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $18,775,000 | 1,586 |
| Total interest expense | $5,830,000 | 2,093 |
| Net interest income | $12,945,000 | 1,307 |
| Provision for loan and lease losses | $1,013,000 | 1,807 |
| Total noninterest income | $1,060,000 | 2,786 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,135,000 | 1,198 |
| Trading account gains and fees | $-1,482,000 | 8,336 |
| Additional Noninterest Income | $1,407,000 | 1,424 |
| Total noninterest expense | $9,789,000 | 1,487 |
| Salaries and employee benefits | $5,038,000 | 1,560 |
| Premises and equipment expense | $2,235,000 | 924 |
| Additional noninterest expense | $2,516,000 | 1,766 |
| Pre-tax net operating income | $3,203,000 | 1,525 |
| Securities gains (losses) | $-3,996,000 | 8,177 |
| Applicable income taxes | $-1,151,000 | 8,082 |
| Income before extraordinary items | $358,000 | 4,956 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $358,000 | 4,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 2,935 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,915,440 | 1,344 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,696,000 | 1,596 |
| Total interest expense | $4,124,000 | 2,074 |
| Net interest income | $8,572,000 | 1,305 |
| Provision for loan and lease losses | $353,000 | 2,314 |
| Total noninterest income | $292,000 | 4,696 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $724,000 | 1,231 |
| Trading account gains and fees | $-1,348,000 | 8,414 |
| Additional Noninterest Income | $916,000 | 1,491 |
| Total noninterest expense | $6,340,000 | 1,528 |
| Salaries and employee benefits | $3,327,000 | 1,585 |
| Premises and equipment expense | $1,467,000 | 931 |
| Additional noninterest expense | $1,546,000 | 1,867 |
| Pre-tax net operating income | $2,171,000 | 1,567 |
| Securities gains (losses) | $561,000 | 284 |
| Applicable income taxes | $483,000 | 1,645 |
| Income before extraordinary items | $2,249,000 | 1,234 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,249,000 | 1,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,168 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,788,980 | 1,494 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,580,000 | 1,579 |
| Total interest expense | $2,346,000 | 1,974 |
| Net interest income | $4,234,000 | 1,310 |
| Provision for loan and lease losses | $353,000 | 1,245 |
| Total noninterest income | $-78,000 | 8,449 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $349,000 | 1,260 |
| Trading account gains and fees | $-892,000 | 8,461 |
| Additional Noninterest Income | $465,000 | 1,486 |
| Total noninterest expense | $3,288,000 | 1,456 |
| Salaries and employee benefits | $1,791,000 | 1,486 |
| Premises and equipment expense | $744,000 | 931 |
| Additional noninterest expense | $753,000 | 1,870 |
| Pre-tax net operating income | $515,000 | 3,020 |
| Securities gains (losses) | $561,000 | 221 |
| Applicable income taxes | $147,000 | 2,349 |
| Income before extraordinary items | $929,000 | 1,603 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $929,000 | 1,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $247,000 | 1,113 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $446,540 | 2,857 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,362,000 | 1,640 |
| Total interest expense | $10,489,000 | 1,887 |
| Net interest income | $15,873,000 | 1,414 |
| Provision for loan and lease losses | $180,000 | 4,023 |
| Total noninterest income | $2,471,000 | 1,906 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,496,000 | 1,184 |
| Trading account gains and fees | $-885,000 | 8,500 |
| Additional Noninterest Income | $1,860,000 | 1,425 |
| Total noninterest expense | $12,538,000 | 1,471 |
| Salaries and employee benefits | $6,698,000 | 1,510 |
| Premises and equipment expense | $2,603,000 | 1,008 |
| Additional noninterest expense | $3,237,000 | 1,717 |
| Pre-tax net operating income | $5,626,000 | 1,485 |
| Securities gains (losses) | $114,000 | 579 |
| Applicable income taxes | $1,423,000 | 1,461 |
| Income before extraordinary items | $4,317,000 | 1,482 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,317,000 | 1,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 2,018 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,231,500 | 1,489 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,459,000 | 1,665 |
| Total interest expense | $7,712,000 | 1,915 |
| Net interest income | $11,747,000 | 1,437 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $1,960,000 | 1,813 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,137,000 | 1,161 |
| Trading account gains and fees | $-382,000 | 8,533 |
| Additional Noninterest Income | $1,205,000 | 1,593 |
| Total noninterest expense | $9,485,000 | 1,443 |
| Salaries and employee benefits | $5,170,000 | 1,466 |
| Premises and equipment expense | $1,931,000 | 1,009 |
| Additional noninterest expense | $2,384,000 | 1,704 |
| Pre-tax net operating income | $4,087,000 | 1,640 |
| Securities gains (losses) | $114,000 | 466 |
| Applicable income taxes | $1,019,000 | 1,622 |
| Income before extraordinary items | $3,182,000 | 1,586 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,182,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $319,000 | 1,480 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,095,360 | 1,617 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,707,000 | 1,713 |
| Total interest expense | $4,994,000 | 1,961 |
| Net interest income | $7,713,000 | 1,481 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $1,652,000 | 1,559 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $765,000 | 1,157 |
| Trading account gains and fees | $128,000 | 105 |
| Additional Noninterest Income | $759,000 | 1,672 |
| Total noninterest expense | $6,281,000 | 1,461 |
| Salaries and employee benefits | $3,369,000 | 1,525 |
| Premises and equipment expense | $1,290,000 | 1,016 |
| Additional noninterest expense | $1,622,000 | 1,670 |
| Pre-tax net operating income | $2,994,000 | 1,549 |
| Securities gains (losses) | $68,000 | 486 |
| Applicable income taxes | $767,000 | 1,538 |
| Income before extraordinary items | $2,295,000 | 1,529 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,295,000 | 1,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,229 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,244,000 | 1,545 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,229,000 | 1,737 |
| Total interest expense | $2,413,000 | 1,998 |
| Net interest income | $3,816,000 | 1,503 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $1,061,000 | 1,247 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $363,000 | 1,189 |
| Trading account gains and fees | $328,000 | 83 |
| Additional Noninterest Income | $370,000 | 1,690 |
| Total noninterest expense | $3,200,000 | 1,451 |
| Salaries and employee benefits | $1,784,000 | 1,454 |
| Premises and equipment expense | $633,000 | 1,048 |
| Additional noninterest expense | $783,000 | 1,713 |
| Pre-tax net operating income | $1,632,000 | 1,428 |
| Securities gains (losses) | $74,000 | 358 |
| Applicable income taxes | $458,000 | 1,369 |
| Income before extraordinary items | $1,248,000 | 1,403 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,248,000 | 1,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 1,571 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,193,980 | 1,443 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,951,000 | 1,758 |
| Total interest expense | $7,958,000 | 2,059 |
| Net interest income | $14,993,000 | 1,524 |
| Provision for loan and lease losses | $135,000 | 4,209 |
| Total noninterest income | $3,280,000 | 1,495 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,591,000 | 1,113 |
| Trading account gains and fees | $454,000 | 84 |
| Additional Noninterest Income | $1,235,000 | 1,928 |
| Total noninterest expense | $11,721,000 | 1,525 |
| Salaries and employee benefits | $6,030,000 | 1,627 |
| Premises and equipment expense | $2,418,000 | 1,039 |
| Additional noninterest expense | $3,273,000 | 1,612 |
| Pre-tax net operating income | $6,417,000 | 1,514 |
| Securities gains (losses) | $133,000 | 478 |
| Applicable income taxes | $2,128,000 | 1,267 |
| Income before extraordinary items | $4,422,000 | 1,637 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,422,000 | 1,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,540 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $164,000 | 798 |
| Net operating income | $4,331,560 | 1,652 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $16,697,000 | 1,807 |
| Total interest expense | $5,593,000 | 2,115 |
| Net interest income | $11,104,000 | 1,564 |
| Provision for loan and lease losses | $90,000 | 4,225 |
| Total noninterest income | $2,418,000 | 1,527 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,228,000 | 1,086 |
| Trading account gains and fees | $371,000 | 82 |
| Additional Noninterest Income | $819,000 | 2,088 |
| Total noninterest expense | $8,570,000 | 1,569 |
| Salaries and employee benefits | $4,374,000 | 1,686 |
| Premises and equipment expense | $1,804,000 | 1,054 |
| Additional noninterest expense | $2,392,000 | 1,648 |
| Pre-tax net operating income | $4,862,000 | 1,538 |
| Securities gains (losses) | $27,000 | 677 |
| Applicable income taxes | $1,443,000 | 1,431 |
| Income before extraordinary items | $3,446,000 | 1,607 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,446,000 | 1,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,313 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,427,100 | 1,602 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,703,000 | 1,839 |
| Total interest expense | $3,452,000 | 2,157 |
| Net interest income | $7,251,000 | 1,598 |
| Provision for loan and lease losses | $45,000 | 4,580 |
| Total noninterest income | $1,410,000 | 1,723 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $822,000 | 1,080 |
| Trading account gains and fees | $102,000 | 90 |
| Additional Noninterest Income | $486,000 | 2,257 |
| Total noninterest expense | $5,652,000 | 1,591 |
| Salaries and employee benefits | $2,836,000 | 1,726 |
| Premises and equipment expense | $1,211,000 | 1,051 |
| Additional noninterest expense | $1,605,000 | 1,647 |
| Pre-tax net operating income | $2,964,000 | 1,671 |
| Securities gains (losses) | $21,000 | 597 |
| Applicable income taxes | $877,000 | 1,544 |
| Income before extraordinary items | $2,108,000 | 1,723 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,108,000 | 1,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 1,312 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,093,090 | 1,716 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,103,000 | 1,880 |
| Total interest expense | $1,576,000 | 2,229 |
| Net interest income | $3,527,000 | 1,629 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $735,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $390,000 | 1,109 |
| Trading account gains and fees | $38,000 | 90 |
| Additional Noninterest Income | $307,000 | 1,902 |
| Total noninterest expense | $2,945,000 | 1,529 |
| Salaries and employee benefits | $1,504,000 | 1,655 |
| Premises and equipment expense | $610,000 | 1,043 |
| Additional noninterest expense | $831,000 | 1,568 |
| Pre-tax net operating income | $1,317,000 | 1,828 |
| Securities gains (losses) | $14,000 | 520 |
| Applicable income taxes | $388,000 | 1,694 |
| Income before extraordinary items | $943,000 | 1,895 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $943,000 | 1,894 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,045 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $933,060 | 1,891 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $17,415,000 | 1,927 |
| Total interest expense | $4,632,000 | 2,366 |
| Net interest income | $12,783,000 | 1,723 |
| Provision for loan and lease losses | $90,000 | 4,964 |
| Total noninterest income | $2,945,000 | 1,636 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,562,000 | 1,139 |
| Trading account gains and fees | $81,000 | 107 |
| Additional Noninterest Income | $1,302,000 | 1,842 |
| Total noninterest expense | $10,249,000 | 1,664 |
| Salaries and employee benefits | $5,233,000 | 1,777 |
| Premises and equipment expense | $1,985,000 | 1,242 |
| Additional noninterest expense | $3,031,000 | 1,660 |
| Pre-tax net operating income | $5,389,000 | 1,734 |
| Securities gains (losses) | $-81,000 | 8,357 |
| Applicable income taxes | $1,656,000 | 1,587 |
| Income before extraordinary items | $3,652,000 | 1,884 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,652,000 | 1,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,966 |
| Cash dividends | $132,000 | 5,301 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,707,890 | 1,840 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,490,000 | 1,956 |
| Total interest expense | $3,278,000 | 2,379 |
| Net interest income | $9,212,000 | 1,771 |
| Provision for loan and lease losses | $90,000 | 4,305 |
| Total noninterest income | $2,250,000 | 1,604 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,117,000 | 1,183 |
| Trading account gains and fees | $113,000 | 90 |
| Additional Noninterest Income | $1,020,000 | 1,795 |
| Total noninterest expense | $7,548,000 | 1,678 |
| Salaries and employee benefits | $3,950,000 | 1,758 |
| Premises and equipment expense | $1,427,000 | 1,279 |
| Additional noninterest expense | $2,171,000 | 1,720 |
| Pre-tax net operating income | $3,824,000 | 1,832 |
| Securities gains (losses) | $-85,000 | 8,599 |
| Applicable income taxes | $1,258,000 | 1,590 |
| Income before extraordinary items | $2,481,000 | 2,080 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,481,000 | 2,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,387 |
| Cash dividends | $132,000 | 4,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,537,100 | 1,996 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,990,000 | 1,984 |
| Total interest expense | $2,040,000 | 2,389 |
| Net interest income | $5,950,000 | 1,813 |
| Provision for loan and lease losses | $45,000 | 4,715 |
| Total noninterest income | $1,480,000 | 1,615 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $672,000 | 1,271 |
| Trading account gains and fees | $86,000 | 85 |
| Additional Noninterest Income | $722,000 | 1,705 |
| Total noninterest expense | $4,902,000 | 1,703 |
| Salaries and employee benefits | $2,529,000 | 1,812 |
| Premises and equipment expense | $953,000 | 1,260 |
| Additional noninterest expense | $1,420,000 | 1,739 |
| Pre-tax net operating income | $2,483,000 | 1,855 |
| Securities gains (losses) | $-24,000 | 8,417 |
| Applicable income taxes | $829,000 | 1,575 |
| Income before extraordinary items | $1,630,000 | 2,073 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,630,000 | 2,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 2,115 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,645,840 | 2,018 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,810,000 | 2,033 |
| Total interest expense | $937,000 | 2,465 |
| Net interest income | $2,873,000 | 1,866 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $249,000 | 3,472 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $235,000 | 1,725 |
| Trading account gains and fees | $-206,000 | 8,917 |
| Additional Noninterest Income | $220,000 | 2,340 |
| Total noninterest expense | $2,216,000 | 1,876 |
| Salaries and employee benefits | $1,163,000 | 1,960 |
| Premises and equipment expense | $468,000 | 1,284 |
| Additional noninterest expense | $585,000 | 2,096 |
| Pre-tax net operating income | $906,000 | 2,341 |
| Securities gains (losses) | $-14,000 | 8,607 |
| Applicable income taxes | $307,000 | 1,943 |
| Income before extraordinary items | $585,000 | 2,675 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $585,000 | 2,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 1,118 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $594,240 | 2,603 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,684,000 | 1,937 |
| Total interest expense | $3,081,000 | 2,569 |
| Net interest income | $11,603,000 | 1,743 |
| Provision for loan and lease losses | $99,000 | 5,055 |
| Total noninterest income | $1,881,000 | 2,292 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $981,000 | 1,789 |
| Trading account gains and fees | $-231,000 | 8,958 |
| Additional Noninterest Income | $1,131,000 | 1,986 |
| Total noninterest expense | $9,138,000 | 1,770 |
| Salaries and employee benefits | $4,780,000 | 1,834 |
| Premises and equipment expense | $1,768,000 | 1,309 |
| Additional noninterest expense | $2,590,000 | 1,876 |
| Pre-tax net operating income | $4,247,000 | 1,950 |
| Securities gains (losses) | $250,000 | 719 |
| Applicable income taxes | $1,545,000 | 1,567 |
| Income before extraordinary items | $2,952,000 | 2,106 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,952,000 | 2,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,325,000 | 633 |
| Cash dividends | $40,000 | 5,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,787,000 | 2,164 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,724,000 | 1,961 |
| Total interest expense | $2,234,000 | 2,604 |
| Net interest income | $8,490,000 | 1,769 |
| Provision for loan and lease losses | $99,000 | 4,319 |
| Total noninterest income | $1,415,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $747,000 | 1,770 |
| Trading account gains and fees | $-196,000 | 9,006 |
| Additional Noninterest Income | $864,000 | 1,973 |
| Total noninterest expense | $6,716,000 | 1,794 |
| Salaries and employee benefits | $3,420,000 | 1,911 |
| Premises and equipment expense | $1,356,000 | 1,265 |
| Additional noninterest expense | $1,940,000 | 1,847 |
| Pre-tax net operating income | $3,090,000 | 2,021 |
| Securities gains (losses) | $250,000 | 672 |
| Applicable income taxes | $1,144,000 | 1,597 |
| Income before extraordinary items | $2,196,000 | 2,131 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,196,000 | 2,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,119,000 | 523 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,031,000 | 2,231 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,919,000 | 2,007 |
| Total interest expense | $1,466,000 | 2,624 |
| Net interest income | $5,453,000 | 1,831 |
| Provision for loan and lease losses | $99,000 | 3,536 |
| Total noninterest income | $833,000 | 2,517 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $492,000 | 1,778 |
| Trading account gains and fees | $-201,000 | 9,054 |
| Additional Noninterest Income | $542,000 | 2,068 |
| Total noninterest expense | $4,490,000 | 1,783 |
| Salaries and employee benefits | $2,279,000 | 1,907 |
| Premises and equipment expense | $920,000 | 1,254 |
| Additional noninterest expense | $1,291,000 | 1,848 |
| Pre-tax net operating income | $1,697,000 | 2,333 |
| Securities gains (losses) | $212,000 | 625 |
| Applicable income taxes | $647,000 | 1,819 |
| Income before extraordinary items | $1,262,000 | 2,414 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,262,000 | 2,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,012,000 | 423 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,122,080 | 2,599 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 2,096 |
| Total interest expense | $732,000 | 2,655 |
| Net interest income | $2,605,000 | 1,912 |
| Provision for loan and lease losses | $99,000 | 2,165 |
| Total noninterest income | $604,000 | 1,876 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $244,000 | 1,747 |
| Trading account gains and fees | $17,000 | 107 |
| Additional Noninterest Income | $343,000 | 1,708 |
| Total noninterest expense | $2,140,000 | 1,873 |
| Salaries and employee benefits | $1,068,000 | 2,064 |
| Premises and equipment expense | $451,000 | 1,293 |
| Additional noninterest expense | $621,000 | 1,904 |
| Pre-tax net operating income | $970,000 | 2,058 |
| Securities gains (losses) | $212,000 | 475 |
| Applicable income taxes | $427,000 | 1,475 |
| Income before extraordinary items | $755,000 | 2,036 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $755,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $676,000 | 349 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $619,320 | 2,338 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,982,000 | 2,030 |
| Total interest expense | $3,210,000 | 2,694 |
| Net interest income | $10,772,000 | 1,814 |
| Provision for loan and lease losses | $453,000 | 2,340 |
| Total noninterest income | $3,088,000 | 1,649 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,161,000 | 1,480 |
| Trading account gains and fees | $-176,000 | 9,162 |
| Additional Noninterest Income | $2,103,000 | 1,427 |
| Total noninterest expense | $8,374,000 | 1,892 |
| Salaries and employee benefits | $4,771,000 | 1,809 |
| Premises and equipment expense | $1,340,000 | 1,694 |
| Additional noninterest expense | $2,263,000 | 2,128 |
| Pre-tax net operating income | $5,033,000 | 1,612 |
| Securities gains (losses) | $241,000 | 1,212 |
| Applicable income taxes | $1,783,000 | 1,399 |
| Income before extraordinary items | $3,491,000 | 1,783 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,491,000 | 1,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 4,205 |
| Cash dividends | $2,146,000 | 1,310 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,331,940 | 1,775 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,502,000 | 2,061 |
| Total interest expense | $2,433,000 | 2,754 |
| Net interest income | $8,069,000 | 1,831 |
| Provision for loan and lease losses | $324,000 | 2,370 |
| Total noninterest income | $2,494,000 | 1,589 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $895,000 | 1,463 |
| Trading account gains and fees | $-100,000 | 9,213 |
| Additional Noninterest Income | $1,699,000 | 1,400 |
| Total noninterest expense | $6,212,000 | 1,915 |
| Salaries and employee benefits | $3,543,000 | 1,830 |
| Premises and equipment expense | $952,000 | 1,804 |
| Additional noninterest expense | $1,717,000 | 2,096 |
| Pre-tax net operating income | $4,027,000 | 1,574 |
| Securities gains (losses) | $240,000 | 1,116 |
| Applicable income taxes | $1,501,000 | 1,354 |
| Income before extraordinary items | $2,766,000 | 1,736 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,766,000 | 1,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,146 |
| Cash dividends | $2,146,000 | 952 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,610,000 | 1,751 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,958,000 | 2,094 |
| Total interest expense | $1,639,000 | 2,809 |
| Net interest income | $5,319,000 | 1,837 |
| Provision for loan and lease losses | $204,000 | 2,482 |
| Total noninterest income | $2,025,000 | 1,357 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $606,000 | 1,415 |
| Trading account gains and fees | $222,000 | 93 |
| Additional Noninterest Income | $1,197,000 | 1,339 |
| Total noninterest expense | $3,998,000 | 1,974 |
| Salaries and employee benefits | $2,345,000 | 1,831 |
| Premises and equipment expense | $596,000 | 1,915 |
| Additional noninterest expense | $1,057,000 | 2,249 |
| Pre-tax net operating income | $3,142,000 | 1,365 |
| Securities gains (losses) | $137,000 | 1,286 |
| Applicable income taxes | $1,161,000 | 1,212 |
| Income before extraordinary items | $2,118,000 | 1,539 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,118,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $1,519,000 | 922 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,028,950 | 1,501 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,422,000 | 2,151 |
| Total interest expense | $827,000 | 2,845 |
| Net interest income | $2,595,000 | 1,883 |
| Provision for loan and lease losses | $102,000 | 2,339 |
| Total noninterest income | $926,000 | 1,410 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $289,000 | 1,432 |
| Trading account gains and fees | $57,000 | 104 |
| Additional Noninterest Income | $580,000 | 1,337 |
| Total noninterest expense | $1,830,000 | 2,144 |
| Salaries and employee benefits | $1,068,000 | 1,984 |
| Premises and equipment expense | $286,000 | 1,995 |
| Additional noninterest expense | $476,000 | 2,445 |
| Pre-tax net operating income | $1,589,000 | 1,351 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $570,000 | 1,230 |
| Income before extraordinary items | $1,019,000 | 1,580 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,019,000 | 1,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,385 |
| Cash dividends | $413,000 | 1,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,019,000 | 1,482 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,435,000 | 2,294 |
| Total interest expense | $3,512,000 | 3,089 |
| Net interest income | $9,923,000 | 1,956 |
| Provision for loan and lease losses | $388,000 | 2,917 |
| Total noninterest income | $3,316,000 | 1,445 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,018,000 | 1,587 |
| Trading account gains and fees | $477,000 | 83 |
| Additional Noninterest Income | $1,821,000 | 1,420 |
| Total noninterest expense | $7,046,000 | 2,135 |
| Salaries and employee benefits | $3,867,000 | 2,070 |
| Premises and equipment expense | $1,190,000 | 1,869 |
| Additional noninterest expense | $1,989,000 | 2,317 |
| Pre-tax net operating income | $5,805,000 | 1,438 |
| Securities gains (losses) | $211,000 | 1,122 |
| Applicable income taxes | $2,072,000 | 1,250 |
| Income before extraordinary items | $3,944,000 | 1,549 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,944,000 | 1,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 1,948 |
| Cash dividends | $1,865,000 | 1,389 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,804,740 | 1,539 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,391,000 | 2,559 |
| Total interest expense | $4,891,000 | 3,209 |
| Net interest income | $8,500,000 | 2,099 |
| Provision for loan and lease losses | $282,000 | 3,348 |
| Total noninterest income | $2,731,000 | 1,592 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $725,000 | 2,078 |
| Trading account gains and fees | $44,000 | 135 |
| Additional Noninterest Income | $1,962,000 | 1,262 |
| Total noninterest expense | $6,879,000 | 2,084 |
| Salaries and employee benefits | $3,775,000 | 1,990 |
| Premises and equipment expense | $1,121,000 | 1,910 |
| Additional noninterest expense | $1,983,000 | 2,260 |
| Pre-tax net operating income | $4,070,000 | 1,751 |
| Securities gains (losses) | $207,000 | 1,165 |
| Applicable income taxes | $1,255,000 | 1,748 |
| Income before extraordinary items | $3,022,000 | 1,742 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,022,000 | 1,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,941 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,875,030 | 1,758 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,345,000 | 2,825 |
| Total interest expense | $4,673,000 | 3,510 |
| Net interest income | $7,672,000 | 2,318 |
| Provision for loan and lease losses | $246,000 | 3,276 |
| Total noninterest income | $1,580,000 | 2,261 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $682,000 | 2,039 |
| Trading account gains and fees | $220,000 | 109 |
| Additional Noninterest Income | $678,000 | 2,419 |
| Total noninterest expense | $5,749,000 | 2,375 |
| Salaries and employee benefits | $2,985,000 | 2,402 |
| Premises and equipment expense | $1,024,000 | 2,020 |
| Additional noninterest expense | $1,740,000 | 2,464 |
| Pre-tax net operating income | $3,257,000 | 2,210 |
| Securities gains (losses) | $191,000 | 418 |
| Applicable income taxes | $1,200,000 | 1,827 |
| Income before extraordinary items | $2,248,000 | 2,295 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,248,000 | 2,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,380 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,123,850 | 2,420 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,420,000 | 3,407 |
| Total interest expense | $3,528,000 | 4,018 |
| Net interest income | $5,892,000 | 2,976 |
| Provision for loan and lease losses | $288,000 | 2,769 |
| Total noninterest income | $1,019,000 | 3,047 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $610,000 | 2,184 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $409,000 | 3,368 |
| Total noninterest expense | $4,405,000 | 3,038 |
| Salaries and employee benefits | $2,266,000 | 3,070 |
| Premises and equipment expense | $748,000 | 2,714 |
| Additional noninterest expense | $1,391,000 | 3,052 |
| Pre-tax net operating income | $2,218,000 | 3,073 |
| Securities gains (losses) | $281,000 | 470 |
| Applicable income taxes | $842,000 | 2,531 |
| Income before extraordinary items | $1,657,000 | 2,998 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,657,000 | 2,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 2,801 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,471,540 | 3,253 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,786,000 | 4,038 |
| Total interest expense | $3,020,000 | 4,700 |
| Net interest income | $4,766,000 | 3,560 |
| Provision for loan and lease losses | $396,000 | 2,082 |
| Total noninterest income | $838,000 | 3,499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $570,000 | 2,256 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,254 |
| Total noninterest expense | $3,058,000 | 4,047 |
| Salaries and employee benefits | $1,611,000 | 4,017 |
| Premises and equipment expense | $528,000 | 3,541 |
| Additional noninterest expense | $919,000 | 4,221 |
| Pre-tax net operating income | $2,150,000 | 3,141 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $722,000 | 2,958 |
| Income before extraordinary items | $1,438,000 | 3,365 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,438,000 | 3,365 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,050 |
| Cash dividends | $1,090,000 | 2,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,431,300 | 3,287 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,041,000 | 4,478 |
| Total interest expense | $2,681,000 | 5,135 |
| Net interest income | $4,360,000 | 3,920 |
| Provision for loan and lease losses | $390,000 | 2,143 |
| Total noninterest income | $691,000 | 4,001 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $518,000 | 2,538 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 5,316 |
| Total noninterest expense | $2,851,000 | 4,272 |
| Salaries and employee benefits | $1,493,000 | 4,273 |
| Premises and equipment expense | $412,000 | 4,345 |
| Additional noninterest expense | $946,000 | 4,110 |
| Pre-tax net operating income | $1,810,000 | 3,840 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $602,000 | 3,656 |
| Income before extraordinary items | $1,213,000 | 4,013 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,213,000 | 4,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $740,000 | 978 |
| Cash dividends | $570,000 | 3,204 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,209,650 | 3,959 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,463,000 | 5,554 |
| Total interest expense | $1,955,000 | 6,506 |
| Net interest income | $3,508,000 | 4,823 |
| Provision for loan and lease losses | $311,000 | 2,497 |
| Total noninterest income | $512,000 | 5,075 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $362,000 | 3,652 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,966 |
| Total noninterest expense | $1,851,000 | 6,268 |
| Salaries and employee benefits | $965,000 | 6,153 |
| Premises and equipment expense | $309,000 | 5,469 |
| Additional noninterest expense | $577,000 | 6,504 |
| Pre-tax net operating income | $1,858,000 | 3,616 |
| Securities gains (losses) | $65,000 | 1,179 |
| Applicable income taxes | $595,000 | 3,614 |
| Income before extraordinary items | $1,328,000 | 3,566 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,328,000 | 3,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,752 |
| Cash dividends | $1,017,000 | 2,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,283,150 | 3,608 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,182,000 | 5,838 |
| Total interest expense | $1,809,000 | 6,882 |
| Net interest income | $3,373,000 | 5,013 |
| Provision for loan and lease losses | $121,000 | 4,076 |
| Total noninterest income | $476,000 | 5,361 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $341,000 | 3,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 6,277 |
| Total noninterest expense | $1,818,000 | 6,411 |
| Salaries and employee benefits | $940,000 | 6,347 |
| Premises and equipment expense | $294,000 | 5,716 |
| Additional noninterest expense | $584,000 | 6,633 |
| Pre-tax net operating income | $1,910,000 | 3,647 |
| Securities gains (losses) | $101,000 | 961 |
| Applicable income taxes | $637,000 | 3,508 |
| Income before extraordinary items | $1,374,000 | 3,521 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,374,000 | 3,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 10,662 |
| Cash dividends | $1,651,000 | 1,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,305,320 | 3,645 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,534,000 | 6,116 |
| Total interest expense | $1,450,000 | 7,048 |
| Net interest income | $3,084,000 | 5,503 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $456,000 | 5,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $325,000 | 4,084 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,643 |
| Total noninterest expense | $1,783,000 | 6,743 |
| Salaries and employee benefits | $919,000 | 6,519 |
| Premises and equipment expense | $244,000 | 6,618 |
| Additional noninterest expense | $620,000 | 6,893 |
| Pre-tax net operating income | $1,697,000 | 3,970 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $593,000 | 3,547 |
| Income before extraordinary items | $1,104,000 | 4,165 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,104,000 | 4,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $67,000 | 7,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,104,000 | 4,207 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,261,000 | 6,562 |
| Total interest expense | $1,412,000 | 7,500 |
| Net interest income | $2,849,000 | 5,887 |
| Provision for loan and lease losses | $80,000 | 6,310 |
| Total noninterest income | $486,000 | 5,714 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $299,000 | 4,445 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,888 |
| Total noninterest expense | $1,739,000 | 7,075 |
| Salaries and employee benefits | $840,000 | 7,075 |
| Premises and equipment expense | $268,000 | 6,364 |
| Additional noninterest expense | $631,000 | 7,067 |
| Pre-tax net operating income | $1,516,000 | 4,284 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $477,000 | 4,356 |
| Income before extraordinary items | $1,039,000 | 4,555 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,039,000 | 4,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 4,534 |
| Cash dividends | $474,000 | 3,259 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,039,000 | 4,314 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,285,000 | 7,146 |
| Total interest expense | $1,872,000 | 7,415 |
| Net interest income | $2,413,000 | 6,764 |
| Provision for loan and lease losses | $102,000 | 7,202 |
| Total noninterest income | $782,000 | 4,037 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,457 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $554,000 | 2,984 |
| Total noninterest expense | $1,840,000 | 6,823 |
| Salaries and employee benefits | $859,000 | 6,875 |
| Premises and equipment expense | $265,000 | 6,528 |
| Additional noninterest expense | $716,000 | 6,660 |
| Pre-tax net operating income | $1,253,000 | 4,744 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $385,000 | 4,942 |
| Income before extraordinary items | $868,000 | 5,052 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $868,000 | 5,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,118 |
| Net operating income | $868,000 | 4,742 |
* 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.