Home > First Southern Bank > Income and Expense
First Southern Bank, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $9,453,000 | 657 |
| Total interest expense | $962,000 | 790 |
| Net interest income | $8,491,000 | 648 |
| Provision for loan and lease losses | $-1,965,000 | 6,700 |
| Total noninterest income | $-57,000 | 6,673 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $124,000 | 2,253 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $-181,000 | 6,689 |
| Total noninterest expense | $8,404,000 | 613 |
| Salaries and employee benefits | $4,133,000 | 670 |
| Premises and equipment expense | $1,032,000 | 611 |
| Additional noninterest expense | $3,239,000 | 517 |
| Pre-tax net operating income | $1,995,000 | 977 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $0 | 4,445 |
| Income before extraordinary items | $1,995,000 | 785 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,995,000 | 785 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $1,995,000 | 786 |
| Net charge-offs | $-166,000 | 6,568 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $1,995,000 | 762 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $36,741,000 | 676 |
| Total interest expense | $4,328,000 | 773 |
| Net interest income | $32,413,000 | 656 |
| Provision for loan and lease losses | $-5,296,000 | 6,769 |
| Total noninterest income | $-1,955,000 | 6,800 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $544,000 | 2,243 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-2,499,000 | 6,803 |
| Total noninterest expense | $32,769,000 | 638 |
| Salaries and employee benefits | $15,224,000 | 724 |
| Premises and equipment expense | $4,053,000 | 600 |
| Additional noninterest expense | $13,492,000 | 525 |
| Pre-tax net operating income | $2,985,000 | 2,172 |
| Securities gains (losses) | $57,000 | 1,705 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $3,042,000 | 1,878 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,042,000 | 1,880 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $3,042,000 | 1,880 |
| Net charge-offs | $2,002,000 | 745 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $2,985,000 | 1,878 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $27,082,000 | 690 |
| Total interest expense | $3,299,000 | 786 |
| Net interest income | $23,783,000 | 668 |
| Provision for loan and lease losses | $-3,539,000 | 6,851 |
| Total noninterest income | $-1,018,000 | 6,874 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $406,000 | 2,255 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-1,424,000 | 6,880 |
| Total noninterest expense | $24,264,000 | 648 |
| Salaries and employee benefits | $11,310,000 | 729 |
| Premises and equipment expense | $2,968,000 | 626 |
| Additional noninterest expense | $9,986,000 | 523 |
| Pre-tax net operating income | $2,040,000 | 2,384 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $2,040,000 | 2,100 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $2,040,000 | 2,108 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,040,000 | 2,107 |
| Net charge-offs | $2,220,000 | 555 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,040,000 | 2,032 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $17,865,000 | 694 |
| Total interest expense | $2,233,000 | 802 |
| Net interest income | $15,632,000 | 672 |
| Provision for loan and lease losses | $-1,130,000 | 6,859 |
| Total noninterest income | $1,418,000 | 1,719 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $266,000 | 2,257 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,152,000 | 1,440 |
| Total noninterest expense | $17,566,000 | 597 |
| Salaries and employee benefits | $7,502,000 | 730 |
| Premises and equipment expense | $1,917,000 | 651 |
| Additional noninterest expense | $8,147,000 | 433 |
| Pre-tax net operating income | $614,000 | 3,789 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $614,000 | 3,566 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $614,000 | 3,568 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $614,000 | 3,569 |
| Net charge-offs | $3,558,000 | 277 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $614,000 | 3,465 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $9,145,000 | 684 |
| Total interest expense | $1,125,000 | 827 |
| Net interest income | $8,020,000 | 663 |
| Provision for loan and lease losses | $-364,000 | 6,936 |
| Total noninterest income | $465,000 | 2,335 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $124,000 | 2,367 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $341,000 | 2,048 |
| Total noninterest expense | $8,348,000 | 636 |
| Salaries and employee benefits | $3,756,000 | 732 |
| Premises and equipment expense | $866,000 | 723 |
| Additional noninterest expense | $3,726,000 | 482 |
| Pre-tax net operating income | $501,000 | 2,867 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $501,000 | 2,584 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $501,000 | 2,587 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $501,000 | 2,586 |
| Net charge-offs | $112,000 | 1,792 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $501,000 | 2,499 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $40,987,000 | 636 |
| Total interest expense | $5,562,000 | 803 |
| Net interest income | $35,425,000 | 609 |
| Provision for loan and lease losses | $7,303,000 | 366 |
| Total noninterest income | $3,694,000 | 1,404 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $518,000 | 2,417 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $3,176,000 | 1,114 |
| Total noninterest expense | $40,592,000 | 523 |
| Salaries and employee benefits | $14,420,000 | 722 |
| Premises and equipment expense | $3,875,000 | 620 |
| Additional noninterest expense | $22,297,000 | 360 |
| Pre-tax net operating income | $-8,776,000 | 7,017 |
| Securities gains (losses) | $220,000 | 1,613 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-8,556,000 | 7,019 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-8,556,000 | 7,019 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-8,556,000 | 7,019 |
| Net charge-offs | $808,000 | 2,045 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-8,776,000 | 7,012 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $31,593,000 | 625 |
| Total interest expense | $4,303,000 | 816 |
| Net interest income | $27,290,000 | 608 |
| Provision for loan and lease losses | $4,268,000 | 467 |
| Total noninterest income | $2,479,000 | 1,530 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $373,000 | 2,528 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,106,000 | 1,221 |
| Total noninterest expense | $32,135,000 | 499 |
| Salaries and employee benefits | $10,841,000 | 718 |
| Premises and equipment expense | $2,846,000 | 640 |
| Additional noninterest expense | $18,448,000 | 332 |
| Pre-tax net operating income | $-6,634,000 | 7,110 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $-61,000 | 6,869 |
| Income before extraordinary items | $-6,573,000 | 7,120 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-6,573,000 | 7,121 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-6,573,000 | 7,120 |
| Net charge-offs | $-62,000 | 6,960 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-6,573,000 | 7,108 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $21,715,000 | 607 |
| Total interest expense | $2,922,000 | 838 |
| Net interest income | $18,793,000 | 579 |
| Provision for loan and lease losses | $5,613,000 | 265 |
| Total noninterest income | $2,092,000 | 1,295 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $247,000 | 2,510 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,845,000 | 980 |
| Total noninterest expense | $22,369,000 | 477 |
| Salaries and employee benefits | $7,219,000 | 710 |
| Premises and equipment expense | $1,885,000 | 643 |
| Additional noninterest expense | $13,265,000 | 315 |
| Pre-tax net operating income | $-7,097,000 | 7,205 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-70,000 | 6,981 |
| Income before extraordinary items | $-7,027,000 | 7,204 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-7,027,000 | 7,204 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-7,027,000 | 7,204 |
| Net charge-offs | $931,000 | 1,201 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-7,027,000 | 7,201 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $11,169,000 | 599 |
| Total interest expense | $1,500,000 | 844 |
| Net interest income | $9,669,000 | 576 |
| Provision for loan and lease losses | $-24,000 | 7,137 |
| Total noninterest income | $1,164,000 | 1,188 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $128,000 | 2,428 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,036,000 | 883 |
| Total noninterest expense | $11,987,000 | 442 |
| Salaries and employee benefits | $3,963,000 | 661 |
| Premises and equipment expense | $963,000 | 622 |
| Additional noninterest expense | $7,061,000 | 285 |
| Pre-tax net operating income | $-1,130,000 | 7,169 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-65,000 | 7,131 |
| Income before extraordinary items | $-1,065,000 | 7,176 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,065,000 | 7,176 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $-1,065,000 | 7,176 |
| Net charge-offs | $450,000 | 1,168 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $-1,065,000 | 7,167 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $47,667,000 | 577 |
| Total interest expense | $8,155,000 | 710 |
| Net interest income | $39,512,000 | 555 |
| Provision for loan and lease losses | $5,546,000 | 721 |
| Total noninterest income | $3,020,000 | 1,491 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $432,000 | 2,887 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $2,588,000 | 1,137 |
| Total noninterest expense | $34,375,000 | 580 |
| Salaries and employee benefits | $14,037,000 | 700 |
| Premises and equipment expense | $3,684,000 | 672 |
| Additional noninterest expense | $16,654,000 | 459 |
| Pre-tax net operating income | $2,611,000 | 2,065 |
| Securities gains (losses) | $54,000 | 2,538 |
| Applicable income taxes | $-312,000 | 6,986 |
| Income before extraordinary items | $2,977,000 | 1,626 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,977,000 | 1,627 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $2,977,000 | 1,627 |
| Net charge-offs | $3,913,000 | 994 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $81,769,000 | 13 |
| Net operating income | $2,923,000 | 1,572 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $36,867,000 | 571 |
| Total interest expense | $6,439,000 | 699 |
| Net interest income | $30,428,000 | 542 |
| Provision for loan and lease losses | $1,560,000 | 1,470 |
| Total noninterest income | $3,185,000 | 1,189 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $301,000 | 3,035 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $2,884,000 | 856 |
| Total noninterest expense | $25,161,000 | 597 |
| Salaries and employee benefits | $10,568,000 | 700 |
| Premises and equipment expense | $2,698,000 | 704 |
| Additional noninterest expense | $11,895,000 | 473 |
| Pre-tax net operating income | $6,892,000 | 692 |
| Securities gains (losses) | $16,000 | 2,895 |
| Applicable income taxes | $-601,000 | 7,244 |
| Income before extraordinary items | $7,509,000 | 546 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $7,509,000 | 545 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $7,509,000 | 546 |
| Net charge-offs | $1,719,000 | 1,357 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $81,769,000 | 10 |
| Net operating income | $7,493,000 | 534 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $24,918,000 | 562 |
| Total interest expense | $4,496,000 | 704 |
| Net interest income | $20,422,000 | 542 |
| Provision for loan and lease losses | $192,000 | 3,598 |
| Total noninterest income | $2,491,000 | 1,048 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $218,000 | 2,835 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,273,000 | 762 |
| Total noninterest expense | $17,166,000 | 590 |
| Salaries and employee benefits | $7,243,000 | 684 |
| Premises and equipment expense | $1,751,000 | 727 |
| Additional noninterest expense | $8,172,000 | 468 |
| Pre-tax net operating income | $5,555,000 | 570 |
| Securities gains (losses) | $16,000 | 2,184 |
| Applicable income taxes | $-235,000 | 7,237 |
| Income before extraordinary items | $5,806,000 | 468 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $5,806,000 | 468 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $5,806,000 | 468 |
| Net charge-offs | $551,000 | 2,048 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $81,769,000 | 7 |
| Net operating income | $5,790,000 | 456 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $12,587,000 | 565 |
| Total interest expense | $2,343,000 | 708 |
| Net interest income | $10,244,000 | 537 |
| Provision for loan and lease losses | $191,000 | 2,500 |
| Total noninterest income | $1,483,000 | 925 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $110,000 | 2,792 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,373,000 | 668 |
| Total noninterest expense | $8,541,000 | 597 |
| Salaries and employee benefits | $3,455,000 | 724 |
| Premises and equipment expense | $813,000 | 810 |
| Additional noninterest expense | $4,273,000 | 440 |
| Pre-tax net operating income | $2,995,000 | 556 |
| Securities gains (losses) | $15,000 | 1,187 |
| Applicable income taxes | $8,000 | 3,871 |
| Income before extraordinary items | $3,002,000 | 442 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $3,002,000 | 442 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $3,002,000 | 442 |
| Net charge-offs | $322,000 | 1,678 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $81,770,000 | 3 |
| Net operating income | $2,987,000 | 432 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $20,455,000 | 1,507 |
| Total interest expense | $5,231,000 | 1,590 |
| Net interest income | $15,224,000 | 1,477 |
| Provision for loan and lease losses | $23,395,000 | 313 |
| Total noninterest income | $2,105,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $125,000 | 5,199 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,980,000 | 1,415 |
| Total noninterest expense | $26,832,000 | 739 |
| Salaries and employee benefits | $7,180,000 | 1,367 |
| Premises and equipment expense | $2,271,000 | 1,145 |
| Additional noninterest expense | $17,381,000 | 459 |
| Pre-tax net operating income | $-32,898,000 | 7,575 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $4,142,000 | 425 |
| Income before extraordinary items | $-37,040,000 | 7,580 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-37,040,000 | 7,580 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-37,040,000 | 7,580 |
| Net charge-offs | $19,072,000 | 351 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $73,231,000 | 22 |
| Net operating income | $-37,040,000 | 7,578 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $14,416,000 | 1,626 |
| Total interest expense | $3,850,000 | 1,683 |
| Net interest income | $10,566,000 | 1,602 |
| Provision for loan and lease losses | $21,525,000 | 266 |
| Total noninterest income | $1,354,000 | 2,247 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $86,000 | 5,378 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,268,000 | 1,521 |
| Total noninterest expense | $18,627,000 | 791 |
| Salaries and employee benefits | $5,298,000 | 1,397 |
| Premises and equipment expense | $1,608,000 | 1,218 |
| Additional noninterest expense | $11,721,000 | 485 |
| Pre-tax net operating income | $-28,232,000 | 7,691 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $3,646,000 | 370 |
| Income before extraordinary items | $-31,878,000 | 7,704 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-31,878,000 | 7,704 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-31,878,000 | 7,704 |
| Net charge-offs | $17,287,000 | 294 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $73,231,000 | 21 |
| Net operating income | $-31,878,000 | 7,703 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,629,000 | 1,645 |
| Total interest expense | $2,704,000 | 1,666 |
| Net interest income | $6,925,000 | 1,625 |
| Provision for loan and lease losses | $19,125,000 | 221 |
| Total noninterest income | $259,000 | 4,537 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $61,000 | 5,317 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $198,000 | 3,518 |
| Total noninterest expense | $13,012,000 | 748 |
| Salaries and employee benefits | $3,421,000 | 1,448 |
| Premises and equipment expense | $1,066,000 | 1,243 |
| Additional noninterest expense | $8,525,000 | 441 |
| Pre-tax net operating income | $-24,953,000 | 7,768 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-9,390,000 | 7,799 |
| Income before extraordinary items | $-15,563,000 | 7,733 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-15,563,000 | 7,733 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-15,563,000 | 7,733 |
| Net charge-offs | $14,792,000 | 248 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $60,000,000 | 14 |
| Net operating income | $-15,563,000 | 7,728 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,820,000 | 1,671 |
| Total interest expense | $1,420,000 | 1,664 |
| Net interest income | $3,400,000 | 1,675 |
| Provision for loan and lease losses | $7,900,000 | 271 |
| Total noninterest income | $120,000 | 4,707 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $35,000 | 5,100 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $85,000 | 3,799 |
| Total noninterest expense | $6,049,000 | 816 |
| Salaries and employee benefits | $1,663,000 | 1,510 |
| Premises and equipment expense | $526,000 | 1,305 |
| Additional noninterest expense | $3,860,000 | 477 |
| Pre-tax net operating income | $-10,429,000 | 7,852 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-3,924,000 | 7,893 |
| Income before extraordinary items | $-6,505,000 | 7,814 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-6,505,000 | 7,815 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-6,505,000 | 7,815 |
| Net charge-offs | $5,173,000 | 327 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $60,000,000 | 11 |
| Net operating income | $-6,505,000 | 7,813 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $20,479,000 | 1,672 |
| Total interest expense | $7,202,000 | 1,641 |
| Net interest income | $13,277,000 | 1,692 |
| Provision for loan and lease losses | $12,206,000 | 732 |
| Total noninterest income | $531,000 | 4,630 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $252,000 | 4,216 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $279,000 | 4,075 |
| Total noninterest expense | $12,110,000 | 1,682 |
| Salaries and employee benefits | $5,539,000 | 1,790 |
| Premises and equipment expense | $2,183,000 | 1,251 |
| Additional noninterest expense | $4,388,000 | 1,696 |
| Pre-tax net operating income | $-10,508,000 | 7,502 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-3,954,000 | 7,692 |
| Income before extraordinary items | $-6,554,000 | 7,399 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,554,000 | 7,397 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,554,000 | 7,397 |
| Net charge-offs | $9,300,000 | 727 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $7,700,000 | 124 |
| Net operating income | $-6,554,000 | 7,410 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $15,431,000 | 1,693 |
| Total interest expense | $5,691,000 | 1,628 |
| Net interest income | $9,740,000 | 1,723 |
| Provision for loan and lease losses | $7,715,000 | 765 |
| Total noninterest income | $391,000 | 4,730 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $197,000 | 4,145 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $194,000 | 4,331 |
| Total noninterest expense | $8,850,000 | 1,706 |
| Salaries and employee benefits | $4,227,000 | 1,778 |
| Premises and equipment expense | $1,624,000 | 1,268 |
| Additional noninterest expense | $2,999,000 | 1,786 |
| Pre-tax net operating income | $-6,434,000 | 7,587 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-2,421,000 | 7,766 |
| Income before extraordinary items | $-4,013,000 | 7,491 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,013,000 | 7,491 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,013,000 | 7,491 |
| Net charge-offs | $7,273,000 | 635 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $7,700,000 | 102 |
| Net operating income | $-4,013,000 | 7,496 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,408,000 | 1,709 |
| Total interest expense | $3,979,000 | 1,640 |
| Net interest income | $6,429,000 | 1,738 |
| Provision for loan and lease losses | $4,525,000 | 806 |
| Total noninterest income | $283,000 | 4,546 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $140,000 | 4,011 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $143,000 | 4,208 |
| Total noninterest expense | $6,080,000 | 1,697 |
| Salaries and employee benefits | $2,939,000 | 1,739 |
| Premises and equipment expense | $1,083,000 | 1,297 |
| Additional noninterest expense | $2,058,000 | 1,771 |
| Pre-tax net operating income | $-3,893,000 | 7,652 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-1,465,000 | 7,838 |
| Income before extraordinary items | $-2,428,000 | 7,558 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,428,000 | 7,557 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-2,428,000 | 7,557 |
| Net charge-offs | $5,685,000 | 536 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $6,700,000 | 81 |
| Net operating income | $-2,428,000 | 7,571 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,125,000 | 1,749 |
| Total interest expense | $2,113,000 | 1,607 |
| Net interest income | $3,012,000 | 1,841 |
| Provision for loan and lease losses | $2,155,000 | 708 |
| Total noninterest income | $143,000 | 4,506 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $76,000 | 3,809 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $67,000 | 4,324 |
| Total noninterest expense | $2,875,000 | 1,724 |
| Salaries and employee benefits | $1,524,000 | 1,694 |
| Premises and equipment expense | $544,000 | 1,317 |
| Additional noninterest expense | $807,000 | 1,975 |
| Pre-tax net operating income | $-1,875,000 | 7,809 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-706,000 | 7,935 |
| Income before extraordinary items | $-1,169,000 | 7,748 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,169,000 | 7,751 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,169,000 | 7,750 |
| Net charge-offs | $3,320,000 | 420 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 58 |
| Net operating income | $-1,169,000 | 7,745 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $22,796,000 | 1,692 |
| Total interest expense | $9,848,000 | 1,649 |
| Net interest income | $12,948,000 | 1,721 |
| Provision for loan and lease losses | $1,650,000 | 2,031 |
| Total noninterest income | $673,000 | 4,221 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $392,000 | 3,494 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $281,000 | 4,221 |
| Total noninterest expense | $11,613,000 | 1,681 |
| Salaries and employee benefits | $5,734,000 | 1,783 |
| Premises and equipment expense | $2,715,000 | 1,028 |
| Additional noninterest expense | $3,164,000 | 1,920 |
| Pre-tax net operating income | $358,000 | 5,255 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $95,000 | 3,418 |
| Income before extraordinary items | $263,000 | 5,251 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $263,000 | 5,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $463,000 | 2,903 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 324 |
| Net operating income | $263,000 | 5,412 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,374,000 | 1,711 |
| Total interest expense | $7,465,000 | 1,692 |
| Net interest income | $9,909,000 | 1,693 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $524,000 | 4,232 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $322,000 | 3,344 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $202,000 | 4,393 |
| Total noninterest expense | $9,062,000 | 1,610 |
| Salaries and employee benefits | $4,563,000 | 1,701 |
| Premises and equipment expense | $2,170,000 | 959 |
| Additional noninterest expense | $2,329,000 | 1,897 |
| Pre-tax net operating income | $1,371,000 | 3,031 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $516,000 | 1,860 |
| Income before extraordinary items | $855,000 | 3,434 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $855,000 | 3,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,316 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 254 |
| Net operating income | $855,000 | 3,569 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $11,490,000 | 1,743 |
| Total interest expense | $4,950,000 | 1,788 |
| Net interest income | $6,540,000 | 1,715 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $374,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $248,000 | 3,037 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $126,000 | 4,628 |
| Total noninterest expense | $6,446,000 | 1,502 |
| Salaries and employee benefits | $3,116,000 | 1,674 |
| Premises and equipment expense | $1,767,000 | 787 |
| Additional noninterest expense | $1,563,000 | 1,854 |
| Pre-tax net operating income | $468,000 | 4,483 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $176,000 | 2,836 |
| Income before extraordinary items | $292,000 | 5,049 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $292,000 | 5,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,718 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 181 |
| Net operating income | $292,000 | 4,989 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,842,000 | 1,757 |
| Total interest expense | $2,647,000 | 1,779 |
| Net interest income | $3,195,000 | 1,745 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $194,000 | 4,063 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $132,000 | 2,865 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $62,000 | 4,635 |
| Total noninterest expense | $3,764,000 | 1,283 |
| Salaries and employee benefits | $1,803,000 | 1,474 |
| Premises and equipment expense | $1,184,000 | 585 |
| Additional noninterest expense | $777,000 | 1,812 |
| Pre-tax net operating income | $-375,000 | 7,982 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-141,000 | 8,202 |
| Income before extraordinary items | $-234,000 | 7,894 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-234,000 | 7,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 130 |
| Net operating income | $-234,000 | 7,860 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $26,751,000 | 1,608 |
| Total interest expense | $13,831,000 | 1,447 |
| Net interest income | $12,920,000 | 1,755 |
| Provision for loan and lease losses | $-203,000 | 8,436 |
| Total noninterest income | $794,000 | 4,019 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $562,000 | 2,813 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $232,000 | 4,755 |
| Total noninterest expense | $12,221,000 | 1,513 |
| Salaries and employee benefits | $6,896,000 | 1,465 |
| Premises and equipment expense | $2,315,000 | 1,140 |
| Additional noninterest expense | $3,010,000 | 1,836 |
| Pre-tax net operating income | $1,696,000 | 3,673 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $638,000 | 2,429 |
| Income before extraordinary items | $1,058,000 | 4,190 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,058,000 | 4,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-204,000 | 8,445 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,058,000 | 4,180 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,333,000 | 1,595 |
| Total interest expense | $10,545,000 | 1,425 |
| Net interest income | $9,788,000 | 1,734 |
| Provision for loan and lease losses | $-203,000 | 8,476 |
| Total noninterest income | $590,000 | 4,056 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $420,000 | 2,798 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $170,000 | 4,816 |
| Total noninterest expense | $9,399,000 | 1,448 |
| Salaries and employee benefits | $5,338,000 | 1,427 |
| Premises and equipment expense | $1,721,000 | 1,155 |
| Additional noninterest expense | $2,340,000 | 1,729 |
| Pre-tax net operating income | $1,182,000 | 3,983 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $445,000 | 2,682 |
| Income before extraordinary items | $737,000 | 4,525 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $737,000 | 4,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-204,000 | 8,467 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $737,000 | 4,520 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,423,000 | 1,625 |
| Total interest expense | $6,900,000 | 1,443 |
| Net interest income | $6,523,000 | 1,758 |
| Provision for loan and lease losses | $-203,000 | 8,525 |
| Total noninterest income | $396,000 | 4,058 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $285,000 | 2,763 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $111,000 | 4,935 |
| Total noninterest expense | $6,404,000 | 1,436 |
| Salaries and employee benefits | $3,639,000 | 1,416 |
| Premises and equipment expense | $1,116,000 | 1,198 |
| Additional noninterest expense | $1,649,000 | 1,643 |
| Pre-tax net operating income | $718,000 | 4,258 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $270,000 | 2,866 |
| Income before extraordinary items | $448,000 | 4,812 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $448,000 | 4,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-204,000 | 8,525 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $448,000 | 4,809 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,543,000 | 1,656 |
| Total interest expense | $3,305,000 | 1,503 |
| Net interest income | $3,238,000 | 1,773 |
| Provision for loan and lease losses | $-13,000 | 8,442 |
| Total noninterest income | $209,000 | 3,912 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $155,000 | 2,538 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $54,000 | 4,958 |
| Total noninterest expense | $3,234,000 | 1,436 |
| Salaries and employee benefits | $1,790,000 | 1,449 |
| Premises and equipment expense | $541,000 | 1,245 |
| Additional noninterest expense | $903,000 | 1,483 |
| Pre-tax net operating income | $226,000 | 5,256 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $85,000 | 3,492 |
| Income before extraordinary items | $141,000 | 5,770 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $141,000 | 5,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,955 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $141,000 | 5,752 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,776,000 | 1,553 |
| Total interest expense | $10,563,000 | 1,600 |
| Net interest income | $15,213,000 | 1,502 |
| Provision for loan and lease losses | $-355,000 | 8,576 |
| Total noninterest income | $1,649,000 | 2,533 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,363,000 | 1,309 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $286,000 | 4,402 |
| Total noninterest expense | $12,743,000 | 1,400 |
| Salaries and employee benefits | $7,522,000 | 1,299 |
| Premises and equipment expense | $2,021,000 | 1,279 |
| Additional noninterest expense | $3,200,000 | 1,638 |
| Pre-tax net operating income | $4,474,000 | 2,060 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,683,000 | 1,510 |
| Income before extraordinary items | $2,791,000 | 2,396 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,791,000 | 2,397 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-362,000 | 8,635 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,791,000 | 2,375 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,153,000 | 1,552 |
| Total interest expense | $7,572,000 | 1,622 |
| Net interest income | $11,581,000 | 1,498 |
| Provision for loan and lease losses | $-405,000 | 8,656 |
| Total noninterest income | $1,343,000 | 2,416 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,102,000 | 1,216 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $241,000 | 4,157 |
| Total noninterest expense | $9,659,000 | 1,390 |
| Salaries and employee benefits | $5,906,000 | 1,254 |
| Premises and equipment expense | $1,479,000 | 1,321 |
| Additional noninterest expense | $2,274,000 | 1,724 |
| Pre-tax net operating income | $3,670,000 | 1,981 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,381,000 | 1,482 |
| Income before extraordinary items | $2,289,000 | 2,317 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,289,000 | 2,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-375,000 | 8,686 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,289,000 | 2,302 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,703,000 | 1,524 |
| Total interest expense | $4,944,000 | 1,575 |
| Net interest income | $7,759,000 | 1,487 |
| Provision for loan and lease losses | $-100,000 | 8,629 |
| Total noninterest income | $924,000 | 2,349 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $753,000 | 1,181 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,055 |
| Total noninterest expense | $6,396,000 | 1,412 |
| Salaries and employee benefits | $3,981,000 | 1,248 |
| Premises and equipment expense | $961,000 | 1,348 |
| Additional noninterest expense | $1,454,000 | 1,800 |
| Pre-tax net operating income | $2,387,000 | 2,033 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $898,000 | 1,524 |
| Income before extraordinary items | $1,489,000 | 2,355 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,489,000 | 2,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,489,000 | 2,337 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,065,000 | 1,566 |
| Total interest expense | $2,383,000 | 1,541 |
| Net interest income | $3,682,000 | 1,550 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $483,000 | 2,234 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $384,000 | 1,128 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $99,000 | 3,720 |
| Total noninterest expense | $2,978,000 | 1,514 |
| Salaries and employee benefits | $1,875,000 | 1,326 |
| Premises and equipment expense | $470,000 | 1,380 |
| Additional noninterest expense | $633,000 | 2,057 |
| Pre-tax net operating income | $1,187,000 | 1,992 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $447,000 | 1,519 |
| Income before extraordinary items | $740,000 | 2,354 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $740,000 | 2,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $740,000 | 2,330 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $20,129,000 | 1,673 |
| Total interest expense | $6,821,000 | 1,668 |
| Net interest income | $13,308,000 | 1,643 |
| Provision for loan and lease losses | $938,000 | 1,114 |
| Total noninterest income | $1,484,000 | 2,711 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,073,000 | 1,624 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $411,000 | 3,738 |
| Total noninterest expense | $10,802,000 | 1,589 |
| Salaries and employee benefits | $6,171,000 | 1,522 |
| Premises and equipment expense | $1,844,000 | 1,337 |
| Additional noninterest expense | $2,787,000 | 1,812 |
| Pre-tax net operating income | $3,052,000 | 2,718 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,148,000 | 2,071 |
| Income before extraordinary items | $1,904,000 | 3,220 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,904,000 | 3,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $11,000,000 | 167 |
| Net operating income | $1,904,000 | 3,186 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,368,000 | 1,708 |
| Total interest expense | $4,740,000 | 1,701 |
| Net interest income | $9,628,000 | 1,690 |
| Provision for loan and lease losses | $678,000 | 1,099 |
| Total noninterest income | $1,075,000 | 2,768 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $756,000 | 1,703 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $319,000 | 3,702 |
| Total noninterest expense | $8,138,000 | 1,567 |
| Salaries and employee benefits | $4,745,000 | 1,462 |
| Premises and equipment expense | $1,380,000 | 1,326 |
| Additional noninterest expense | $2,013,000 | 1,851 |
| Pre-tax net operating income | $1,887,000 | 3,183 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $710,000 | 2,374 |
| Income before extraordinary items | $1,177,000 | 3,712 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,177,000 | 3,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $11,000,000 | 117 |
| Net operating income | $1,177,000 | 3,675 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,091,000 | 1,753 |
| Total interest expense | $2,932,000 | 1,723 |
| Net interest income | $6,159,000 | 1,743 |
| Provision for loan and lease losses | $555,000 | 889 |
| Total noninterest income | $663,000 | 2,894 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $484,000 | 1,733 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $179,000 | 3,951 |
| Total noninterest expense | $5,377,000 | 1,575 |
| Salaries and employee benefits | $3,116,000 | 1,487 |
| Premises and equipment expense | $914,000 | 1,318 |
| Additional noninterest expense | $1,347,000 | 1,836 |
| Pre-tax net operating income | $890,000 | 4,020 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $335,000 | 2,906 |
| Income before extraordinary items | $555,000 | 4,620 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $555,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $11,000,000 | 76 |
| Net operating income | $555,000 | 4,570 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,251,000 | 1,839 |
| Total interest expense | $1,376,000 | 1,734 |
| Net interest income | $2,875,000 | 1,865 |
| Provision for loan and lease losses | $285,000 | 826 |
| Total noninterest income | $285,000 | 3,166 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $218,000 | 1,864 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $67,000 | 4,538 |
| Total noninterest expense | $2,596,000 | 1,634 |
| Salaries and employee benefits | $1,525,000 | 1,530 |
| Premises and equipment expense | $442,000 | 1,371 |
| Additional noninterest expense | $629,000 | 1,955 |
| Pre-tax net operating income | $279,000 | 5,180 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $105,000 | 3,690 |
| Income before extraordinary items | $174,000 | 5,752 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $174,000 | 5,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $11,000,000 | 36 |
| Net operating income | $174,000 | 5,715 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,688,000 | 1,826 |
| Total interest expense | $4,454,000 | 1,828 |
| Net interest income | $11,234,000 | 1,799 |
| Provision for loan and lease losses | $802,000 | 1,279 |
| Total noninterest income | $1,068,000 | 3,383 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $774,000 | 2,203 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $294,000 | 4,307 |
| Total noninterest expense | $9,307,000 | 1,739 |
| Salaries and employee benefits | $5,110,000 | 1,731 |
| Premises and equipment expense | $1,792,000 | 1,285 |
| Additional noninterest expense | $2,405,000 | 2,033 |
| Pre-tax net operating income | $2,193,000 | 3,301 |
| Securities gains (losses) | $21,000 | 2,362 |
| Applicable income taxes | $833,000 | 2,467 |
| Income before extraordinary items | $1,381,000 | 3,833 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,381,000 | 3,834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $698,000 | 1,012 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $2,351,000 | 324 |
| Net operating income | $1,367,560 | 3,795 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,654,000 | 1,826 |
| Total interest expense | $3,164,000 | 1,894 |
| Net interest income | $8,490,000 | 1,769 |
| Provision for loan and lease losses | $622,000 | 1,204 |
| Total noninterest income | $804,000 | 3,395 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $593,000 | 2,181 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $211,000 | 4,393 |
| Total noninterest expense | $6,837,000 | 1,763 |
| Salaries and employee benefits | $3,727,000 | 1,758 |
| Premises and equipment expense | $1,388,000 | 1,241 |
| Additional noninterest expense | $1,722,000 | 2,098 |
| Pre-tax net operating income | $1,835,000 | 3,104 |
| Securities gains (losses) | $21,000 | 2,274 |
| Applicable income taxes | $699,000 | 2,316 |
| Income before extraordinary items | $1,157,000 | 3,632 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,157,000 | 3,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $699,000 | 740 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $2,092,000 | 243 |
| Net operating income | $1,143,560 | 3,602 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,436,000 | 1,878 |
| Total interest expense | $2,059,000 | 1,926 |
| Net interest income | $5,377,000 | 1,855 |
| Provision for loan and lease losses | $172,000 | 2,496 |
| Total noninterest income | $645,000 | 3,011 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $411,000 | 2,099 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $234,000 | 3,440 |
| Total noninterest expense | $4,519,000 | 1,771 |
| Salaries and employee benefits | $2,538,000 | 1,729 |
| Premises and equipment expense | $895,000 | 1,285 |
| Additional noninterest expense | $1,086,000 | 2,226 |
| Pre-tax net operating income | $1,331,000 | 2,857 |
| Securities gains (losses) | $21,000 | 2,004 |
| Applicable income taxes | $509,000 | 2,170 |
| Income before extraordinary items | $843,000 | 3,394 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $843,000 | 3,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,650,000 | 188 |
| Net operating income | $829,560 | 3,343 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,613,000 | 1,940 |
| Total interest expense | $1,048,000 | 1,907 |
| Net interest income | $2,565,000 | 1,947 |
| Provision for loan and lease losses | $112,000 | 1,941 |
| Total noninterest income | $451,000 | 2,336 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $213,000 | 1,966 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $238,000 | 2,201 |
| Total noninterest expense | $2,293,000 | 1,765 |
| Salaries and employee benefits | $1,335,000 | 1,667 |
| Premises and equipment expense | $407,000 | 1,445 |
| Additional noninterest expense | $551,000 | 2,156 |
| Pre-tax net operating income | $611,000 | 3,038 |
| Securities gains (losses) | $21,000 | 1,679 |
| Applicable income taxes | $238,000 | 2,268 |
| Income before extraordinary items | $394,000 | 3,553 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $394,000 | 3,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,649,000 | 103 |
| Net operating income | $380,560 | 3,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,749,000 | 2,070 |
| Total interest expense | $3,941,000 | 2,238 |
| Net interest income | $9,808,000 | 1,999 |
| Provision for loan and lease losses | $645,000 | 1,751 |
| Total noninterest income | $2,147,000 | 2,203 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $988,000 | 1,736 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,159,000 | 2,168 |
| Total noninterest expense | $9,277,000 | 1,719 |
| Salaries and employee benefits | $5,118,000 | 1,684 |
| Premises and equipment expense | $1,828,000 | 1,229 |
| Additional noninterest expense | $2,331,000 | 2,067 |
| Pre-tax net operating income | $2,033,000 | 3,364 |
| Securities gains (losses) | $34,000 | 2,826 |
| Applicable income taxes | $778,000 | 2,590 |
| Income before extraordinary items | $1,289,000 | 3,948 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,289,000 | 3,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,789 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $4,550,000 | 211 |
| Net operating income | $1,267,240 | 3,819 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,236,000 | 2,116 |
| Total interest expense | $2,877,000 | 2,390 |
| Net interest income | $7,359,000 | 2,003 |
| Provision for loan and lease losses | $495,000 | 1,677 |
| Total noninterest income | $1,667,000 | 2,184 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $770,000 | 1,681 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $897,000 | 2,209 |
| Total noninterest expense | $6,920,000 | 1,738 |
| Salaries and employee benefits | $3,826,000 | 1,696 |
| Premises and equipment expense | $1,293,000 | 1,333 |
| Additional noninterest expense | $1,801,000 | 1,990 |
| Pre-tax net operating income | $1,611,000 | 3,372 |
| Securities gains (losses) | $34,000 | 2,597 |
| Applicable income taxes | $619,000 | 2,612 |
| Income before extraordinary items | $1,026,000 | 3,921 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,026,000 | 3,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,112 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,538,000 | 212 |
| Net operating income | $1,004,240 | 3,812 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,741,000 | 2,154 |
| Total interest expense | $1,929,000 | 2,459 |
| Net interest income | $4,812,000 | 2,033 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,033,000 | 2,300 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $556,000 | 1,532 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $477,000 | 2,508 |
| Total noninterest expense | $4,496,000 | 1,766 |
| Salaries and employee benefits | $2,474,000 | 1,733 |
| Premises and equipment expense | $860,000 | 1,332 |
| Additional noninterest expense | $1,162,000 | 2,060 |
| Pre-tax net operating income | $1,049,000 | 3,404 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $395,000 | 2,717 |
| Income before extraordinary items | $654,000 | 4,059 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $654,000 | 4,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $1,420,000 | 180 |
| Net operating income | $654,000 | 3,877 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,343,000 | 2,196 |
| Total interest expense | $990,000 | 2,455 |
| Net interest income | $2,353,000 | 2,081 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $518,000 | 2,231 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $296,000 | 1,396 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $222,000 | 2,540 |
| Total noninterest expense | $2,197,000 | 1,784 |
| Salaries and employee benefits | $1,172,000 | 1,821 |
| Premises and equipment expense | $434,000 | 1,331 |
| Additional noninterest expense | $591,000 | 1,989 |
| Pre-tax net operating income | $524,000 | 3,382 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $197,000 | 2,723 |
| Income before extraordinary items | $327,000 | 4,004 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $327,000 | 4,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 2,967 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 137 |
| Net operating income | $327,000 | 3,817 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,830,000 | 2,408 |
| Total interest expense | $4,489,000 | 2,477 |
| Net interest income | $8,341,000 | 2,322 |
| Provision for loan and lease losses | $759,000 | 1,715 |
| Total noninterest income | $2,000,000 | 2,126 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,270,000 | 1,274 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $730,000 | 2,648 |
| Total noninterest expense | $8,116,000 | 1,864 |
| Salaries and employee benefits | $4,233,000 | 1,906 |
| Premises and equipment expense | $1,900,000 | 1,169 |
| Additional noninterest expense | $1,983,000 | 2,324 |
| Pre-tax net operating income | $1,466,000 | 4,183 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $552,000 | 3,263 |
| Income before extraordinary items | $914,000 | 4,836 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $914,000 | 4,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $273,000 | 2,507 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 531 |
| Net operating income | $914,000 | 4,713 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,410,000 | 2,553 |
| Total interest expense | $6,425,000 | 2,493 |
| Net interest income | $6,985,000 | 2,558 |
| Provision for loan and lease losses | $175,000 | 4,458 |
| Total noninterest income | $1,739,000 | 2,255 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,042,000 | 1,433 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $697,000 | 2,579 |
| Total noninterest expense | $9,826,000 | 1,497 |
| Salaries and employee benefits | $4,663,000 | 1,607 |
| Premises and equipment expense | $1,748,000 | 1,215 |
| Additional noninterest expense | $3,415,000 | 1,372 |
| Pre-tax net operating income | $-1,277,000 | 9,425 |
| Securities gains (losses) | $70,000 | 2,049 |
| Applicable income taxes | $-454,000 | 9,491 |
| Income before extraordinary items | $-753,000 | 9,330 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-753,000 | 9,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $296,000 | 2,264 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,135,000 | 294 |
| Net operating income | $-797,800 | 9,318 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $15,816,000 | 2,215 |
| Total interest expense | $7,862,000 | 2,171 |
| Net interest income | $7,954,000 | 2,242 |
| Provision for loan and lease losses | $3,296,000 | 429 |
| Total noninterest income | $1,788,000 | 2,038 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,032,000 | 1,314 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $756,000 | 2,230 |
| Total noninterest expense | $8,324,000 | 1,674 |
| Salaries and employee benefits | $4,505,000 | 1,579 |
| Premises and equipment expense | $1,514,000 | 1,353 |
| Additional noninterest expense | $2,305,000 | 1,898 |
| Pre-tax net operating income | $-1,878,000 | 9,819 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-707,000 | 9,818 |
| Income before extraordinary items | $-1,171,000 | 9,759 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-1,171,000 | 9,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,910,000 | 376 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-1,171,000 | 9,763 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,120,000 | 2,681 |
| Total interest expense | $4,877,000 | 2,994 |
| Net interest income | $7,243,000 | 2,439 |
| Provision for loan and lease losses | $286,000 | 2,783 |
| Total noninterest income | $1,602,000 | 2,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,048,000 | 1,254 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $554,000 | 2,761 |
| Total noninterest expense | $6,408,000 | 2,125 |
| Salaries and employee benefits | $3,557,000 | 1,973 |
| Premises and equipment expense | $1,270,000 | 1,612 |
| Additional noninterest expense | $1,581,000 | 2,744 |
| Pre-tax net operating income | $2,151,000 | 3,156 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $811,000 | 2,616 |
| Income before extraordinary items | $1,348,000 | 3,530 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,348,000 | 3,530 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,017 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,719,000 | 318 |
| Net operating income | $1,342,880 | 3,506 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,904,000 | 3,568 |
| Total interest expense | $3,354,000 | 4,308 |
| Net interest income | $5,550,000 | 3,094 |
| Provision for loan and lease losses | $255,000 | 2,948 |
| Total noninterest income | $1,285,000 | 2,544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,009,000 | 1,242 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $276,000 | 4,198 |
| Total noninterest expense | $4,900,000 | 2,671 |
| Salaries and employee benefits | $2,582,000 | 2,622 |
| Premises and equipment expense | $1,128,000 | 1,748 |
| Additional noninterest expense | $1,190,000 | 3,396 |
| Pre-tax net operating income | $1,680,000 | 3,844 |
| Securities gains (losses) | $106,000 | 1,237 |
| Applicable income taxes | $672,000 | 3,126 |
| Income before extraordinary items | $1,114,000 | 4,147 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,114,000 | 4,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,179 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,046,160 | 4,253 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,686,000 | 4,118 |
| Total interest expense | $2,848,000 | 4,931 |
| Net interest income | $4,838,000 | 3,605 |
| Provision for loan and lease losses | $110,000 | 4,963 |
| Total noninterest income | $704,000 | 3,956 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $515,000 | 2,555 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $189,000 | 5,092 |
| Total noninterest expense | $4,131,000 | 3,096 |
| Salaries and employee benefits | $2,078,000 | 3,190 |
| Premises and equipment expense | $955,000 | 2,063 |
| Additional noninterest expense | $1,098,000 | 3,603 |
| Pre-tax net operating income | $1,301,000 | 4,958 |
| Securities gains (losses) | $34,000 | 1,562 |
| Applicable income taxes | $472,000 | 4,391 |
| Income before extraordinary items | $863,000 | 5,213 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $863,000 | 5,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $840,900 | 5,237 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,213,000 | 5,052 |
| Total interest expense | $2,652,000 | 5,293 |
| Net interest income | $3,561,000 | 4,758 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $575,000 | 4,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 4,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,500 |
| Total noninterest expense | $3,187,000 | 4,098 |
| Salaries and employee benefits | $1,709,000 | 3,843 |
| Premises and equipment expense | $638,000 | 3,018 |
| Additional noninterest expense | $840,000 | 5,013 |
| Pre-tax net operating income | $949,000 | 5,921 |
| Securities gains (losses) | $62,000 | 1,204 |
| Applicable income taxes | $380,000 | 5,054 |
| Income before extraordinary items | $631,000 | 6,088 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $631,000 | 6,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,621 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $591,320 | 6,259 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,821,000 | 6,154 |
| Total interest expense | $1,863,000 | 6,751 |
| Net interest income | $2,958,000 | 5,560 |
| Provision for loan and lease losses | $318,000 | 2,200 |
| Total noninterest income | $322,000 | 6,822 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 9,088 |
| Total noninterest expense | $2,485,000 | 5,021 |
| Salaries and employee benefits | $1,216,000 | 5,167 |
| Premises and equipment expense | $487,000 | 3,845 |
| Additional noninterest expense | $782,000 | 5,355 |
| Pre-tax net operating income | $477,000 | 8,567 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-240,000 | 11,807 |
| Income before extraordinary items | $717,000 | 5,880 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $717,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,638 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $717,000 | 5,861 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,338,000 | 7,568 |
| Total interest expense | $970,000 | 8,827 |
| Net interest income | $2,368,000 | 6,721 |
| Provision for loan and lease losses | $200,000 | 3,000 |
| Total noninterest income | $259,000 | 7,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $51,000 | 9,565 |
| Total noninterest expense | $2,014,000 | 6,172 |
| Salaries and employee benefits | $927,000 | 6,477 |
| Premises and equipment expense | $462,000 | 4,074 |
| Additional noninterest expense | $625,000 | 6,853 |
| Pre-tax net operating income | $413,000 | 9,262 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-237,000 | 12,407 |
| Income before extraordinary items | $650,000 | 6,222 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $650,000 | 6,235 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,153 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,200,000 | 389 |
| Net operating income | $650,000 | 6,293 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,883,000 | 8,526 |
| Total interest expense | $870,000 | 9,694 |
| Net interest income | $2,013,000 | 7,635 |
| Provision for loan and lease losses | $99,000 | 5,823 |
| Total noninterest income | $437,000 | 6,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 5,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 5,394 |
| Total noninterest expense | $1,743,000 | 7,056 |
| Salaries and employee benefits | $748,000 | 7,655 |
| Premises and equipment expense | $417,000 | 4,563 |
| Additional noninterest expense | $578,000 | 7,532 |
| Pre-tax net operating income | $608,000 | 7,894 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $608,000 | 6,715 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $608,000 | 6,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 9,724 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $608,000 | 6,474 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,254,000 | 8,552 |
| Total interest expense | $1,395,000 | 8,875 |
| Net interest income | $1,859,000 | 8,173 |
| Provision for loan and lease losses | $650,000 | 2,489 |
| Total noninterest income | $257,000 | 8,380 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $205,000 | 5,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 10,289 |
| Total noninterest expense | $1,748,000 | 7,120 |
| Salaries and employee benefits | $721,000 | 7,827 |
| Premises and equipment expense | $418,000 | 4,643 |
| Additional noninterest expense | $609,000 | 7,430 |
| Pre-tax net operating income | $-282,000 | 13,157 |
| Securities gains (losses) | $55,000 | 3,959 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-227,000 | 13,210 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-227,000 | 13,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 2,489 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-282,000 | 13,132 |
* 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.