FLAG Bank, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $90,242,000 | 370 |
| Total interest expense | $37,568,000 | 366 |
| Net interest income | $52,674,000 | 363 |
| Provision for loan and lease losses | $550,000 | 1,293 |
| Total noninterest income | $9,162,000 | 546 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,315,000 | 561 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $6,847,000 | 453 |
| Total noninterest expense | $33,423,000 | 443 |
| Salaries and employee benefits | $20,358,000 | 372 |
| Premises and equipment expense | $3,592,000 | 539 |
| Additional noninterest expense | $9,473,000 | 466 |
| Pre-tax net operating income | $27,863,000 | 359 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $9,946,000 | 338 |
| Income before extraordinary items | $17,917,000 | 385 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $17,917,000 | 384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,430 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $17,917,000 | 378 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $58,819,000 | 370 |
| Total interest expense | $23,533,000 | 371 |
| Net interest income | $35,286,000 | 365 |
| Provision for loan and lease losses | $550,000 | 898 |
| Total noninterest income | $6,365,000 | 531 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,517,000 | 564 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,848,000 | 444 |
| Total noninterest expense | $21,721,000 | 465 |
| Salaries and employee benefits | $13,178,000 | 386 |
| Premises and equipment expense | $2,403,000 | 540 |
| Additional noninterest expense | $6,140,000 | 478 |
| Pre-tax net operating income | $19,380,000 | 346 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $6,883,000 | 336 |
| Income before extraordinary items | $12,497,000 | 373 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $12,497,000 | 372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $12,497,000 | 367 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $28,147,000 | 373 |
| Total interest expense | $11,157,000 | 370 |
| Net interest income | $16,990,000 | 376 |
| Provision for loan and lease losses | $465,000 | 518 |
| Total noninterest income | $3,330,000 | 513 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $716,000 | 575 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $2,614,000 | 418 |
| Total noninterest expense | $10,556,000 | 474 |
| Salaries and employee benefits | $6,391,000 | 402 |
| Premises and equipment expense | $1,197,000 | 529 |
| Additional noninterest expense | $2,968,000 | 492 |
| Pre-tax net operating income | $9,299,000 | 351 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $3,304,000 | 342 |
| Income before extraordinary items | $5,995,000 | 377 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $5,995,000 | 375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-116,000 | 8,664 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $5,995,000 | 372 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $62,753,000 | 550 |
| Total interest expense | $22,118,000 | 539 |
| Net interest income | $40,635,000 | 551 |
| Provision for loan and lease losses | $750,000 | 1,335 |
| Total noninterest income | $10,507,000 | 601 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,261,000 | 519 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $7,246,000 | 526 |
| Total noninterest expense | $33,934,000 | 536 |
| Salaries and employee benefits | $20,724,000 | 456 |
| Premises and equipment expense | $3,807,000 | 646 |
| Additional noninterest expense | $9,403,000 | 592 |
| Pre-tax net operating income | $16,458,000 | 627 |
| Securities gains (losses) | $-1,064,000 | 8,752 |
| Applicable income taxes | $5,082,000 | 631 |
| Income before extraordinary items | $10,312,000 | 703 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $10,312,000 | 705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-970,000 | 8,810 |
| Cash dividends | $2,500,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $11,024,880 | 656 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $42,400,000 | 581 |
| Total interest expense | $14,014,000 | 582 |
| Net interest income | $28,386,000 | 579 |
| Provision for loan and lease losses | $750,000 | 996 |
| Total noninterest income | $8,037,000 | 597 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,428,000 | 523 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $5,609,000 | 522 |
| Total noninterest expense | $25,066,000 | 539 |
| Salaries and employee benefits | $15,759,000 | 451 |
| Premises and equipment expense | $2,777,000 | 661 |
| Additional noninterest expense | $6,530,000 | 628 |
| Pre-tax net operating income | $10,607,000 | 694 |
| Securities gains (losses) | $130,000 | 587 |
| Applicable income taxes | $3,526,000 | 680 |
| Income before extraordinary items | $7,211,000 | 747 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,211,000 | 748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-159,000 | 8,712 |
| Cash dividends | $2,500,000 | 869 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $7,123,900 | 737 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $26,590,000 | 590 |
| Total interest expense | $8,548,000 | 595 |
| Net interest income | $18,042,000 | 596 |
| Provision for loan and lease losses | $375,000 | 1,255 |
| Total noninterest income | $5,031,000 | 623 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,573,000 | 527 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $3,458,000 | 540 |
| Total noninterest expense | $16,317,000 | 548 |
| Salaries and employee benefits | $10,220,000 | 459 |
| Premises and equipment expense | $1,848,000 | 657 |
| Additional noninterest expense | $4,249,000 | 631 |
| Pre-tax net operating income | $6,381,000 | 761 |
| Securities gains (losses) | $130,000 | 498 |
| Applicable income taxes | $2,126,000 | 733 |
| Income before extraordinary items | $4,385,000 | 808 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,385,000 | 808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,464 |
| Cash dividends | $2,500,000 | 591 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $4,297,900 | 806 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,642,000 | 600 |
| Total interest expense | $3,968,000 | 608 |
| Net interest income | $8,674,000 | 607 |
| Provision for loan and lease losses | $375,000 | 622 |
| Total noninterest income | $2,447,000 | 621 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $749,000 | 532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,698,000 | 528 |
| Total noninterest expense | $7,994,000 | 543 |
| Salaries and employee benefits | $4,993,000 | 458 |
| Premises and equipment expense | $909,000 | 666 |
| Additional noninterest expense | $2,092,000 | 636 |
| Pre-tax net operating income | $2,752,000 | 859 |
| Securities gains (losses) | $123,000 | 333 |
| Applicable income taxes | $932,000 | 808 |
| Income before extraordinary items | $1,943,000 | 899 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,943,000 | 899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,025 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,859,360 | 914 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $42,091,000 | 668 |
| Total interest expense | $11,574,000 | 714 |
| Net interest income | $30,517,000 | 655 |
| Provision for loan and lease losses | $1,845,000 | 588 |
| Total noninterest income | $10,506,000 | 583 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $3,660,000 | 492 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,846,000 | 526 |
| Total noninterest expense | $28,952,000 | 587 |
| Salaries and employee benefits | $17,703,000 | 505 |
| Premises and equipment expense | $3,425,000 | 677 |
| Additional noninterest expense | $7,824,000 | 672 |
| Pre-tax net operating income | $10,226,000 | 857 |
| Securities gains (losses) | $700,000 | 359 |
| Applicable income taxes | $3,405,000 | 816 |
| Income before extraordinary items | $7,521,000 | 871 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,521,000 | 872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $328,000 | 1,862 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $7,038,000 | 892 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $30,160,000 | 690 |
| Total interest expense | $8,126,000 | 748 |
| Net interest income | $22,034,000 | 672 |
| Provision for loan and lease losses | $1,470,000 | 537 |
| Total noninterest income | $8,574,000 | 562 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,796,000 | 491 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,778,000 | 497 |
| Total noninterest expense | $21,513,000 | 595 |
| Salaries and employee benefits | $13,347,000 | 503 |
| Premises and equipment expense | $2,550,000 | 684 |
| Additional noninterest expense | $5,616,000 | 691 |
| Pre-tax net operating income | $7,625,000 | 875 |
| Securities gains (losses) | $700,000 | 337 |
| Applicable income taxes | $2,564,000 | 834 |
| Income before extraordinary items | $5,761,000 | 862 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,761,000 | 863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 1,746 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,278,000 | 908 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $19,483,000 | 704 |
| Total interest expense | $5,125,000 | 773 |
| Net interest income | $14,358,000 | 682 |
| Provision for loan and lease losses | $1,095,000 | 492 |
| Total noninterest income | $6,326,000 | 520 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,850,000 | 487 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $4,476,000 | 448 |
| Total noninterest expense | $14,263,000 | 594 |
| Salaries and employee benefits | $8,867,000 | 504 |
| Premises and equipment expense | $1,639,000 | 710 |
| Additional noninterest expense | $3,757,000 | 684 |
| Pre-tax net operating income | $5,326,000 | 821 |
| Securities gains (losses) | $693,000 | 284 |
| Applicable income taxes | $1,965,000 | 730 |
| Income before extraordinary items | $4,054,000 | 810 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,054,000 | 810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $291,000 | 1,064 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,589,690 | 873 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $9,508,000 | 737 |
| Total interest expense | $2,525,000 | 799 |
| Net interest income | $6,983,000 | 701 |
| Provision for loan and lease losses | $720,000 | 398 |
| Total noninterest income | $4,423,000 | 428 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $892,000 | 493 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $3,531,000 | 333 |
| Total noninterest expense | $7,634,000 | 558 |
| Salaries and employee benefits | $4,790,000 | 477 |
| Premises and equipment expense | $842,000 | 702 |
| Additional noninterest expense | $2,002,000 | 645 |
| Pre-tax net operating income | $3,052,000 | 734 |
| Securities gains (losses) | $7,000 | 2,210 |
| Applicable income taxes | $1,000,000 | 733 |
| Income before extraordinary items | $2,059,000 | 808 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,059,000 | 808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 546 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,054,310 | 761 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $36,109,000 | 786 |
| Total interest expense | $10,512,000 | 842 |
| Net interest income | $25,597,000 | 744 |
| Provision for loan and lease losses | $1,321,000 | 900 |
| Total noninterest income | $10,228,000 | 639 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,417,000 | 505 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $6,811,000 | 589 |
| Total noninterest expense | $25,993,000 | 645 |
| Salaries and employee benefits | $15,750,000 | 555 |
| Premises and equipment expense | $3,215,000 | 713 |
| Additional noninterest expense | $7,028,000 | 745 |
| Pre-tax net operating income | $8,511,000 | 982 |
| Securities gains (losses) | $12,000 | 3,514 |
| Applicable income taxes | $2,611,000 | 1,031 |
| Income before extraordinary items | $5,912,000 | 1,089 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,912,000 | 1,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,524,000 | 674 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,903,720 | 1,030 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $26,811,000 | 811 |
| Total interest expense | $7,919,000 | 873 |
| Net interest income | $18,892,000 | 767 |
| Provision for loan and lease losses | $946,000 | 941 |
| Total noninterest income | $8,310,000 | 637 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,572,000 | 504 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $5,738,000 | 580 |
| Total noninterest expense | $19,722,000 | 646 |
| Salaries and employee benefits | $12,018,000 | 552 |
| Premises and equipment expense | $2,504,000 | 704 |
| Additional noninterest expense | $5,200,000 | 753 |
| Pre-tax net operating income | $6,534,000 | 1,000 |
| Securities gains (losses) | $12,000 | 3,246 |
| Applicable income taxes | $2,029,000 | 1,050 |
| Income before extraordinary items | $4,517,000 | 1,112 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,517,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,047,000 | 673 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,508,720 | 1,044 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $17,720,000 | 826 |
| Total interest expense | $5,443,000 | 871 |
| Net interest income | $12,277,000 | 794 |
| Provision for loan and lease losses | $571,000 | 1,035 |
| Total noninterest income | $5,983,000 | 591 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,637,000 | 525 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,346,000 | 523 |
| Total noninterest expense | $13,280,000 | 645 |
| Salaries and employee benefits | $8,079,000 | 546 |
| Premises and equipment expense | $1,697,000 | 690 |
| Additional noninterest expense | $3,504,000 | 744 |
| Pre-tax net operating income | $4,409,000 | 988 |
| Securities gains (losses) | $7,000 | 3,077 |
| Applicable income taxes | $1,380,000 | 1,065 |
| Income before extraordinary items | $3,036,000 | 1,104 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,036,000 | 1,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,018,000 | 519 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,031,170 | 1,023 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $9,080,000 | 817 |
| Total interest expense | $2,844,000 | 867 |
| Net interest income | $6,236,000 | 775 |
| Provision for loan and lease losses | $256,000 | 1,091 |
| Total noninterest income | $2,366,000 | 691 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $893,000 | 474 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,473,000 | 674 |
| Total noninterest expense | $6,234,000 | 675 |
| Salaries and employee benefits | $3,812,000 | 581 |
| Premises and equipment expense | $782,000 | 753 |
| Additional noninterest expense | $1,640,000 | 772 |
| Pre-tax net operating income | $2,112,000 | 1,032 |
| Securities gains (losses) | $87,000 | 1,078 |
| Applicable income taxes | $659,000 | 1,117 |
| Income before extraordinary items | $1,540,000 | 1,075 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,540,000 | 1,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $742,000 | 377 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,479,100 | 1,040 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $36,648,000 | 816 |
| Total interest expense | $12,329,000 | 912 |
| Net interest income | $24,319,000 | 780 |
| Provision for loan and lease losses | $4,549,000 | 415 |
| Total noninterest income | $7,429,000 | 765 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,448,000 | 472 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,981,000 | 808 |
| Total noninterest expense | $29,697,000 | 563 |
| Salaries and employee benefits | $18,544,000 | 461 |
| Premises and equipment expense | $3,574,000 | 627 |
| Additional noninterest expense | $7,579,000 | 691 |
| Pre-tax net operating income | $-2,498,000 | 9,268 |
| Securities gains (losses) | $-12,000 | 8,932 |
| Applicable income taxes | $-1,718,000 | 9,317 |
| Income before extraordinary items | $-792,000 | 9,135 |
| Extraordinary gains, net | $-166,000 | 9,324 |
| Net income | $-958,000 | 9,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,009,000 | 324 |
| Cash dividends | $5,000,000 | 609 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-784,320 | 9,093 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $44,530,000 | 764 |
| Total interest expense | $20,462,000 | 801 |
| Net interest income | $24,068,000 | 736 |
| Provision for loan and lease losses | $2,488,000 | 588 |
| Total noninterest income | $10,680,000 | 581 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $3,799,000 | 399 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,881,000 | 521 |
| Total noninterest expense | $23,916,000 | 662 |
| Salaries and employee benefits | $13,930,000 | 569 |
| Premises and equipment expense | $3,681,000 | 596 |
| Additional noninterest expense | $6,305,000 | 798 |
| Pre-tax net operating income | $8,344,000 | 908 |
| Securities gains (losses) | $6,000 | 3,836 |
| Applicable income taxes | $3,466,000 | 744 |
| Income before extraordinary items | $4,884,000 | 1,114 |
| Extraordinary gains, net | $-696,000 | 9,563 |
| Net income | $4,188,000 | 1,301 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,712,000 | 635 |
| Cash dividends | $3,250,000 | 859 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,880,160 | 1,079 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $46,294,000 | 768 |
| Total interest expense | $21,320,000 | 844 |
| Net interest income | $24,974,000 | 712 |
| Provision for loan and lease losses | $3,597,000 | 406 |
| Total noninterest income | $11,938,000 | 519 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $3,449,000 | 393 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $8,489,000 | 464 |
| Total noninterest expense | $24,674,000 | 646 |
| Salaries and employee benefits | $8,924,000 | 782 |
| Premises and equipment expense | $3,357,000 | 639 |
| Additional noninterest expense | $12,393,000 | 499 |
| Pre-tax net operating income | $8,641,000 | 898 |
| Securities gains (losses) | $-263,000 | 9,620 |
| Applicable income taxes | $2,431,000 | 986 |
| Income before extraordinary items | $5,947,000 | 888 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,947,000 | 888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,208,000 | 359 |
| Cash dividends | $2,000,000 | 1,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,133,730 | 860 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $23,975,000 | 1,353 |
| Total interest expense | $10,085,000 | 1,483 |
| Net interest income | $13,890,000 | 1,262 |
| Provision for loan and lease losses | $1,773,000 | 622 |
| Total noninterest income | $2,536,000 | 1,550 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,714,000 | 776 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $822,000 | 2,127 |
| Total noninterest expense | $11,825,000 | 1,171 |
| Salaries and employee benefits | $4,666,000 | 1,479 |
| Premises and equipment expense | $1,850,000 | 1,088 |
| Additional noninterest expense | $5,309,000 | 919 |
| Pre-tax net operating income | $2,828,000 | 2,531 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $673,000 | 2,983 |
| Income before extraordinary items | $2,155,000 | 2,418 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,155,000 | 2,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,204,000 | 629 |
| Cash dividends | $4,270,000 | 735 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,155,000 | 2,389 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,585,000 | 2,233 |
| Total interest expense | $6,682,000 | 2,270 |
| Net interest income | $7,903,000 | 2,157 |
| Provision for loan and lease losses | $308,000 | 2,536 |
| Total noninterest income | $1,567,000 | 2,194 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,017,000 | 1,231 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $550,000 | 2,811 |
| Total noninterest expense | $7,368,000 | 1,772 |
| Salaries and employee benefits | $3,081,000 | 2,190 |
| Premises and equipment expense | $1,441,000 | 1,352 |
| Additional noninterest expense | $2,846,000 | 1,517 |
| Pre-tax net operating income | $1,794,000 | 3,642 |
| Securities gains (losses) | $9,000 | 3,034 |
| Applicable income taxes | $363,000 | 4,679 |
| Income before extraordinary items | $1,440,000 | 3,359 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,440,000 | 3,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 1,275 |
| Cash dividends | $236,000 | 5,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,432,800 | 3,284 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,549,000 | 3,387 |
| Total interest expense | $4,022,000 | 3,658 |
| Net interest income | $5,527,000 | 3,163 |
| Provision for loan and lease losses | $79,000 | 5,693 |
| Total noninterest income | $1,273,000 | 2,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $710,000 | 1,833 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $563,000 | 2,610 |
| Total noninterest expense | $4,996,000 | 2,568 |
| Salaries and employee benefits | $2,204,000 | 3,007 |
| Premises and equipment expense | $1,079,000 | 1,840 |
| Additional noninterest expense | $1,713,000 | 2,414 |
| Pre-tax net operating income | $1,725,000 | 3,994 |
| Securities gains (losses) | $27,000 | 1,697 |
| Applicable income taxes | $538,000 | 4,005 |
| Income before extraordinary items | $1,214,000 | 4,008 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,214,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 10,150 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,195,370 | 4,010 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,564,000 | 4,248 |
| Total interest expense | $2,977,000 | 4,820 |
| Net interest income | $4,587,000 | 3,829 |
| Provision for loan and lease losses | $220,000 | 3,199 |
| Total noninterest income | $1,092,000 | 2,908 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $652,000 | 2,067 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $440,000 | 3,193 |
| Total noninterest expense | $3,807,000 | 3,492 |
| Salaries and employee benefits | $1,796,000 | 3,676 |
| Premises and equipment expense | $876,000 | 2,261 |
| Additional noninterest expense | $1,135,000 | 3,955 |
| Pre-tax net operating income | $1,652,000 | 4,029 |
| Securities gains (losses) | $13,000 | 2,310 |
| Applicable income taxes | $507,000 | 4,106 |
| Income before extraordinary items | $1,158,000 | 3,984 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,158,000 | 3,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,304 |
| Cash dividends | $608,000 | 2,995 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,148,900 | 3,959 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,134,000 | 4,475 |
| Total interest expense | $2,650,000 | 5,310 |
| Net interest income | $4,484,000 | 3,916 |
| Provision for loan and lease losses | $110,000 | 4,388 |
| Total noninterest income | $899,000 | 3,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $582,000 | 2,326 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $317,000 | 3,876 |
| Total noninterest expense | $3,535,000 | 3,713 |
| Salaries and employee benefits | $1,630,000 | 3,978 |
| Premises and equipment expense | $659,000 | 2,963 |
| Additional noninterest expense | $1,246,000 | 3,623 |
| Pre-tax net operating income | $1,738,000 | 3,958 |
| Securities gains (losses) | $51,000 | 1,292 |
| Applicable income taxes | $572,000 | 3,790 |
| Income before extraordinary items | $1,217,000 | 3,914 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,217,000 | 3,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,236 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,182,320 | 3,990 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,003,000 | 4,867 |
| Total interest expense | $1,967,000 | 5,682 |
| Net interest income | $4,036,000 | 4,338 |
| Provision for loan and lease losses | $30,000 | 7,083 |
| Total noninterest income | $825,000 | 3,620 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $485,000 | 2,843 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $340,000 | 3,784 |
| Total noninterest expense | $3,161,000 | 4,218 |
| Salaries and employee benefits | $1,512,000 | 4,250 |
| Premises and equipment expense | $554,000 | 3,495 |
| Additional noninterest expense | $1,095,000 | 4,372 |
| Pre-tax net operating income | $1,670,000 | 4,017 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $536,000 | 3,843 |
| Income before extraordinary items | $1,136,000 | 4,063 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,136,000 | 4,065 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,934 |
| Cash dividends | $757,000 | 2,381 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,134,640 | 4,110 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,484,000 | 5,350 |
| Total interest expense | $1,841,000 | 6,237 |
| Net interest income | $3,643,000 | 4,786 |
| Provision for loan and lease losses | $275,000 | 3,195 |
| Total noninterest income | $738,000 | 4,274 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $558,000 | 2,470 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,992 |
| Total noninterest expense | $2,880,000 | 4,675 |
| Salaries and employee benefits | $1,354,000 | 4,709 |
| Premises and equipment expense | $504,000 | 3,838 |
| Additional noninterest expense | $1,022,000 | 4,832 |
| Pre-tax net operating income | $1,226,000 | 5,107 |
| Securities gains (losses) | $-18,000 | 12,905 |
| Applicable income taxes | $366,000 | 5,329 |
| Income before extraordinary items | $842,000 | 5,346 |
| Extraordinary gains, net | $-29,000 | 12,546 |
| Net income | $813,000 | 5,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 6,277 |
| Cash dividends | $537,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $854,600 | 5,074 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,853,000 | 5,603 |
| Total interest expense | $2,192,000 | 6,630 |
| Net interest income | $3,661,000 | 4,812 |
| Provision for loan and lease losses | $318,000 | 3,992 |
| Total noninterest income | $893,000 | 3,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $447,000 | 3,137 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $446,000 | 3,454 |
| Total noninterest expense | $2,795,000 | 4,823 |
| Salaries and employee benefits | $1,367,000 | 4,607 |
| Premises and equipment expense | $451,000 | 4,345 |
| Additional noninterest expense | $977,000 | 5,138 |
| Pre-tax net operating income | $1,441,000 | 4,193 |
| Securities gains (losses) | $70,000 | 3,586 |
| Applicable income taxes | $429,000 | 4,538 |
| Income before extraordinary items | $1,082,000 | 4,191 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,082,000 | 4,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 5,459 |
| Cash dividends | $401,000 | 3,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,031,600 | 4,058 |
* 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.