Home > Heritage Community Bank > Income and Expense
Heritage Community Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,612,000 | 2,714 |
| Total interest expense | $6,450,000 | 2,359 |
| Net interest income | $7,162,000 | 2,986 |
| Provision for loan and lease losses | $20,750,000 | 364 |
| Total noninterest income | $1,130,000 | 3,159 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $571,000 | 2,745 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $559,000 | 3,004 |
| Total noninterest expense | $8,724,000 | 2,190 |
| Salaries and employee benefits | $3,707,000 | 2,675 |
| Premises and equipment expense | $1,380,000 | 1,973 |
| Additional noninterest expense | $3,637,000 | 1,692 |
| Pre-tax net operating income | $-21,182,000 | 8,107 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-21,182,000 | 8,101 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-21,182,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,209,000 | 237 |
| Cash dividends | $700,000 | 2,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-21,182,000 | 8,126 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,186,000 | 2,529 |
| Total interest expense | $5,148,000 | 2,323 |
| Net interest income | $6,038,000 | 2,713 |
| Provision for loan and lease losses | $16,450,000 | 275 |
| Total noninterest income | $863,000 | 3,185 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $425,000 | 2,779 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $438,000 | 3,033 |
| Total noninterest expense | $6,645,000 | 2,159 |
| Salaries and employee benefits | $2,998,000 | 2,540 |
| Premises and equipment expense | $1,047,000 | 1,953 |
| Additional noninterest expense | $2,600,000 | 1,713 |
| Pre-tax net operating income | $-16,194,000 | 8,262 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-16,194,000 | 8,263 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-16,194,000 | 8,262 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,790,000 | 227 |
| Cash dividends | $700,000 | 2,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-16,194,000 | 8,279 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,106,000 | 2,394 |
| Total interest expense | $3,759,000 | 2,229 |
| Net interest income | $4,347,000 | 2,516 |
| Provision for loan and lease losses | $12,300,000 | 227 |
| Total noninterest income | $611,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $282,000 | 2,771 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $329,000 | 2,885 |
| Total noninterest expense | $4,128,000 | 2,317 |
| Salaries and employee benefits | $2,083,000 | 2,468 |
| Premises and equipment expense | $693,000 | 1,959 |
| Additional noninterest expense | $1,352,000 | 2,100 |
| Pre-tax net operating income | $-11,470,000 | 8,363 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-11,470,000 | 8,370 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-11,470,000 | 8,369 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,200,000 | 527 |
| Cash dividends | $700,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-11,470,000 | 8,368 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,501,000 | 2,239 |
| Total interest expense | $2,159,000 | 2,107 |
| Net interest income | $2,342,000 | 2,344 |
| Provision for loan and lease losses | $1,150,000 | 567 |
| Total noninterest income | $318,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $141,000 | 2,748 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $177,000 | 2,759 |
| Total noninterest expense | $2,023,000 | 2,340 |
| Salaries and employee benefits | $1,061,000 | 2,456 |
| Premises and equipment expense | $350,000 | 1,948 |
| Additional noninterest expense | $612,000 | 2,273 |
| Pre-tax net operating income | $-513,000 | 8,095 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $3,000 | 5,279 |
| Income before extraordinary items | $-516,000 | 8,158 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-516,000 | 8,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-516,000 | 8,143 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,368,000 | 1,754 |
| Total interest expense | $10,203,000 | 1,921 |
| Net interest income | $14,165,000 | 1,593 |
| Provision for loan and lease losses | $3,100,000 | 611 |
| Total noninterest income | $1,334,000 | 2,914 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $666,000 | 2,464 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $668,000 | 2,826 |
| Total noninterest expense | $7,742,000 | 2,357 |
| Salaries and employee benefits | $4,321,000 | 2,332 |
| Premises and equipment expense | $1,340,000 | 1,947 |
| Additional noninterest expense | $2,081,000 | 2,569 |
| Pre-tax net operating income | $4,657,000 | 1,746 |
| Securities gains (losses) | $20,000 | 1,106 |
| Applicable income taxes | $55,000 | 4,874 |
| Income before extraordinary items | $4,622,000 | 1,398 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,622,000 | 1,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,424,000 | 784 |
| Cash dividends | $6,500,000 | 594 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,602,200 | 1,391 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $19,335,000 | 1,678 |
| Total interest expense | $7,665,000 | 1,921 |
| Net interest income | $11,670,000 | 1,450 |
| Provision for loan and lease losses | $450,000 | 1,697 |
| Total noninterest income | $1,017,000 | 2,881 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $496,000 | 2,459 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $521,000 | 2,781 |
| Total noninterest expense | $6,100,000 | 2,228 |
| Salaries and employee benefits | $3,510,000 | 2,150 |
| Premises and equipment expense | $1,066,000 | 1,831 |
| Additional noninterest expense | $1,524,000 | 2,581 |
| Pre-tax net operating income | $6,137,000 | 1,110 |
| Securities gains (losses) | $20,000 | 826 |
| Applicable income taxes | $63,000 | 4,799 |
| Income before extraordinary items | $6,094,000 | 864 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,094,000 | 862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $226,000 | 1,810 |
| Cash dividends | $5,500,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,074,200 | 853 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,030,000 | 1,665 |
| Total interest expense | $5,028,000 | 1,949 |
| Net interest income | $8,002,000 | 1,432 |
| Provision for loan and lease losses | $300,000 | 1,528 |
| Total noninterest income | $678,000 | 2,898 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $337,000 | 2,420 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $341,000 | 2,820 |
| Total noninterest expense | $4,064,000 | 2,244 |
| Salaries and employee benefits | $2,358,000 | 2,172 |
| Premises and equipment expense | $711,000 | 1,845 |
| Additional noninterest expense | $995,000 | 2,638 |
| Pre-tax net operating income | $4,316,000 | 1,103 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $48,000 | 4,796 |
| Income before extraordinary items | $4,268,000 | 852 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,268,000 | 852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,333 |
| Cash dividends | $4,000,000 | 501 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,268,000 | 843 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,312,000 | 1,716 |
| Total interest expense | $2,472,000 | 1,966 |
| Net interest income | $3,840,000 | 1,489 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $352,000 | 2,795 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $175,000 | 2,297 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $177,000 | 2,735 |
| Total noninterest expense | $2,042,000 | 2,258 |
| Salaries and employee benefits | $1,206,000 | 2,128 |
| Premises and equipment expense | $371,000 | 1,797 |
| Additional noninterest expense | $465,000 | 2,767 |
| Pre-tax net operating income | $2,000,000 | 1,176 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $22,000 | 4,858 |
| Income before extraordinary items | $1,978,000 | 898 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,978,000 | 897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,345 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,978,000 | 886 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,964,000 | 1,618 |
| Total interest expense | $8,620,000 | 1,915 |
| Net interest income | $16,344,000 | 1,389 |
| Provision for loan and lease losses | $600,000 | 1,606 |
| Total noninterest income | $1,505,000 | 2,697 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $818,000 | 2,080 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $687,000 | 2,793 |
| Total noninterest expense | $7,910,000 | 2,235 |
| Salaries and employee benefits | $4,593,000 | 2,129 |
| Premises and equipment expense | $1,139,000 | 2,165 |
| Additional noninterest expense | $2,178,000 | 2,379 |
| Pre-tax net operating income | $9,339,000 | 1,051 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $115,000 | 4,852 |
| Income before extraordinary items | $9,224,000 | 808 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $9,224,000 | 807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,747 |
| Cash dividends | $7,000,000 | 525 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $9,224,000 | 797 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,349,000 | 1,624 |
| Total interest expense | $6,128,000 | 1,950 |
| Net interest income | $12,221,000 | 1,415 |
| Provision for loan and lease losses | $450,000 | 1,514 |
| Total noninterest income | $1,146,000 | 2,678 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $628,000 | 2,035 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $518,000 | 2,802 |
| Total noninterest expense | $5,926,000 | 2,226 |
| Salaries and employee benefits | $3,393,000 | 2,165 |
| Premises and equipment expense | $842,000 | 2,213 |
| Additional noninterest expense | $1,691,000 | 2,289 |
| Pre-tax net operating income | $6,991,000 | 1,096 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $87,000 | 5,045 |
| Income before extraordinary items | $6,904,000 | 839 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,904,000 | 838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,215 |
| Cash dividends | $4,000,000 | 629 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,904,000 | 830 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,701,000 | 1,667 |
| Total interest expense | $3,690,000 | 2,034 |
| Net interest income | $8,011,000 | 1,437 |
| Provision for loan and lease losses | $300,000 | 1,464 |
| Total noninterest income | $777,000 | 2,648 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $425,000 | 1,992 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $352,000 | 2,748 |
| Total noninterest expense | $3,911,000 | 2,256 |
| Salaries and employee benefits | $2,307,000 | 2,127 |
| Premises and equipment expense | $526,000 | 2,352 |
| Additional noninterest expense | $1,078,000 | 2,394 |
| Pre-tax net operating income | $4,577,000 | 1,114 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $61,000 | 5,053 |
| Income before extraordinary items | $4,516,000 | 862 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,516,000 | 862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,098 |
| Cash dividends | $2,600,000 | 648 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,516,000 | 845 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,469,000 | 1,745 |
| Total interest expense | $1,673,000 | 2,134 |
| Net interest income | $3,796,000 | 1,512 |
| Provision for loan and lease losses | $150,000 | 1,421 |
| Total noninterest income | $372,000 | 2,671 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $223,000 | 1,867 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $149,000 | 2,973 |
| Total noninterest expense | $2,027,000 | 2,183 |
| Salaries and employee benefits | $1,214,000 | 2,026 |
| Premises and equipment expense | $293,000 | 2,144 |
| Additional noninterest expense | $520,000 | 2,462 |
| Pre-tax net operating income | $1,991,000 | 1,235 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $32,000 | 4,955 |
| Income before extraordinary items | $1,959,000 | 975 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,959,000 | 974 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,959,000 | 953 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,124,000 | 1,759 |
| Total interest expense | $4,889,000 | 2,243 |
| Net interest income | $14,235,000 | 1,544 |
| Provision for loan and lease losses | $498,000 | 1,916 |
| Total noninterest income | $1,999,000 | 2,210 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,051,000 | 1,653 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $948,000 | 2,289 |
| Total noninterest expense | $7,953,000 | 2,097 |
| Salaries and employee benefits | $4,604,000 | 2,000 |
| Premises and equipment expense | $1,224,000 | 1,961 |
| Additional noninterest expense | $2,125,000 | 2,353 |
| Pre-tax net operating income | $7,783,000 | 1,223 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $96,000 | 5,413 |
| Income before extraordinary items | $7,687,000 | 937 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,687,000 | 937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $124,000 | 3,001 |
| Cash dividends | $4,300,000 | 763 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,687,000 | 917 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,498,000 | 1,823 |
| Total interest expense | $3,321,000 | 2,344 |
| Net interest income | $10,177,000 | 1,600 |
| Provision for loan and lease losses | $348,000 | 1,957 |
| Total noninterest income | $1,551,000 | 2,152 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $794,000 | 1,629 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $757,000 | 2,200 |
| Total noninterest expense | $5,946,000 | 2,085 |
| Salaries and employee benefits | $3,382,000 | 2,014 |
| Premises and equipment expense | $922,000 | 1,948 |
| Additional noninterest expense | $1,642,000 | 2,247 |
| Pre-tax net operating income | $5,434,000 | 1,321 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $69,000 | 5,565 |
| Income before extraordinary items | $5,370,000 | 1,005 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,370,000 | 1,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,052 |
| Cash dividends | $1,600,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,365,050 | 991 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,519,000 | 1,873 |
| Total interest expense | $1,985,000 | 2,431 |
| Net interest income | $6,534,000 | 1,649 |
| Provision for loan and lease losses | $223,000 | 1,982 |
| Total noninterest income | $1,060,000 | 2,088 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $510,000 | 1,649 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $550,000 | 2,049 |
| Total noninterest expense | $3,976,000 | 2,064 |
| Salaries and employee benefits | $2,265,000 | 1,992 |
| Premises and equipment expense | $620,000 | 1,923 |
| Additional noninterest expense | $1,091,000 | 2,245 |
| Pre-tax net operating income | $3,395,000 | 1,383 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $43,000 | 5,638 |
| Income before extraordinary items | $3,352,000 | 1,047 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,352,000 | 1,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,630 |
| Cash dividends | $800,000 | 1,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,352,000 | 1,022 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,069,000 | 1,909 |
| Total interest expense | $894,000 | 2,551 |
| Net interest income | $3,175,000 | 1,681 |
| Provision for loan and lease losses | $148,000 | 1,498 |
| Total noninterest income | $497,000 | 2,144 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $259,000 | 1,570 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $238,000 | 2,232 |
| Total noninterest expense | $1,974,000 | 2,094 |
| Salaries and employee benefits | $1,141,000 | 2,003 |
| Premises and equipment expense | $311,000 | 1,922 |
| Additional noninterest expense | $522,000 | 2,331 |
| Pre-tax net operating income | $1,550,000 | 1,473 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $23,000 | 5,547 |
| Income before extraordinary items | $1,527,000 | 1,129 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,527,000 | 1,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $800,000 | 797 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,527,000 | 1,104 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,305,000 | 2,159 |
| Total interest expense | $2,110,000 | 3,491 |
| Net interest income | $11,195,000 | 1,807 |
| Provision for loan and lease losses | $395,000 | 2,397 |
| Total noninterest income | $2,312,000 | 1,982 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,173,000 | 1,505 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,139,000 | 1,975 |
| Total noninterest expense | $8,377,000 | 1,920 |
| Salaries and employee benefits | $4,424,000 | 1,968 |
| Premises and equipment expense | $1,609,000 | 1,431 |
| Additional noninterest expense | $2,344,000 | 2,083 |
| Pre-tax net operating income | $4,735,000 | 1,775 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $69,000 | 5,824 |
| Income before extraordinary items | $4,666,000 | 1,378 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,666,000 | 1,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,414 |
| Cash dividends | $3,200,000 | 921 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,666,000 | 1,345 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,468,000 | 2,237 |
| Total interest expense | $1,408,000 | 3,797 |
| Net interest income | $8,060,000 | 1,870 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,759,000 | 1,971 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $868,000 | 1,535 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $891,000 | 1,928 |
| Total noninterest expense | $6,340,000 | 1,889 |
| Salaries and employee benefits | $3,350,000 | 1,949 |
| Premises and equipment expense | $1,245,000 | 1,394 |
| Additional noninterest expense | $1,745,000 | 2,071 |
| Pre-tax net operating income | $3,254,000 | 1,930 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $46,000 | 6,019 |
| Income before extraordinary items | $3,208,000 | 1,516 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,208,000 | 1,517 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-108,000 | 8,823 |
| Cash dividends | $2,400,000 | 830 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,208,000 | 1,469 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,236,000 | 2,247 |
| Total interest expense | $874,000 | 4,016 |
| Net interest income | $5,362,000 | 1,864 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $1,180,000 | 1,948 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $556,000 | 1,576 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $624,000 | 1,871 |
| Total noninterest expense | $4,231,000 | 1,887 |
| Salaries and employee benefits | $2,249,000 | 1,928 |
| Premises and equipment expense | $820,000 | 1,412 |
| Additional noninterest expense | $1,162,000 | 2,079 |
| Pre-tax net operating income | $2,161,000 | 1,910 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $31,000 | 6,006 |
| Income before extraordinary items | $2,130,000 | 1,512 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,130,000 | 1,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-83,000 | 8,852 |
| Cash dividends | $1,600,000 | 842 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,130,000 | 1,456 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,016,000 | 2,334 |
| Total interest expense | $449,000 | 3,983 |
| Net interest income | $2,567,000 | 1,944 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $632,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $282,000 | 1,523 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $350,000 | 1,686 |
| Total noninterest expense | $2,148,000 | 1,865 |
| Salaries and employee benefits | $1,162,000 | 1,889 |
| Premises and equipment expense | $412,000 | 1,421 |
| Additional noninterest expense | $574,000 | 2,053 |
| Pre-tax net operating income | $976,000 | 2,047 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $13,000 | 6,097 |
| Income before extraordinary items | $963,000 | 1,644 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $963,000 | 1,644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,943 |
| Cash dividends | $800,000 | 795 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $963,000 | 1,557 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,004,000 | 2,195 |
| Total interest expense | $2,347,000 | 3,510 |
| Net interest income | $10,657,000 | 1,837 |
| Provision for loan and lease losses | $580,000 | 1,932 |
| Total noninterest income | $3,108,000 | 1,637 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,227,000 | 1,415 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,881,000 | 1,537 |
| Total noninterest expense | $8,730,000 | 1,812 |
| Salaries and employee benefits | $4,707,000 | 1,826 |
| Premises and equipment expense | $1,542,000 | 1,475 |
| Additional noninterest expense | $2,481,000 | 1,942 |
| Pre-tax net operating income | $4,455,000 | 1,806 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $57,000 | 6,188 |
| Income before extraordinary items | $4,398,000 | 1,427 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,398,000 | 1,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $793,000 | 1,106 |
| Cash dividends | $3,600,000 | 849 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $4,398,000 | 1,371 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,968,000 | 2,173 |
| Total interest expense | $1,833,000 | 3,508 |
| Net interest income | $8,135,000 | 1,804 |
| Provision for loan and lease losses | $400,000 | 2,018 |
| Total noninterest income | $2,492,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $929,000 | 1,412 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,563,000 | 1,491 |
| Total noninterest expense | $6,569,000 | 1,819 |
| Salaries and employee benefits | $3,615,000 | 1,800 |
| Premises and equipment expense | $1,128,000 | 1,517 |
| Additional noninterest expense | $1,826,000 | 1,963 |
| Pre-tax net operating income | $3,658,000 | 1,708 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $46,000 | 6,283 |
| Income before extraordinary items | $3,612,000 | 1,381 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,612,000 | 1,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,765 |
| Cash dividends | $2,700,000 | 792 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $3,612,000 | 1,305 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,819,000 | 2,131 |
| Total interest expense | $1,277,000 | 3,484 |
| Net interest income | $5,542,000 | 1,759 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,671,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $623,000 | 1,374 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,048,000 | 1,466 |
| Total noninterest expense | $4,343,000 | 1,817 |
| Salaries and employee benefits | $2,371,000 | 1,815 |
| Premises and equipment expense | $739,000 | 1,547 |
| Additional noninterest expense | $1,233,000 | 1,942 |
| Pre-tax net operating income | $2,570,000 | 1,634 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $33,000 | 6,264 |
| Income before extraordinary items | $2,537,000 | 1,302 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,537,000 | 1,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,662 |
| Cash dividends | $1,800,000 | 819 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,537,000 | 1,212 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,416,000 | 2,153 |
| Total interest expense | $658,000 | 3,479 |
| Net interest income | $2,758,000 | 1,762 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $809,000 | 1,568 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $326,000 | 1,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $483,000 | 1,517 |
| Total noninterest expense | $2,185,000 | 1,796 |
| Salaries and employee benefits | $1,200,000 | 1,777 |
| Premises and equipment expense | $371,000 | 1,546 |
| Additional noninterest expense | $614,000 | 1,915 |
| Pre-tax net operating income | $1,232,000 | 1,702 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $16,000 | 6,250 |
| Income before extraordinary items | $1,216,000 | 1,354 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,216,000 | 1,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 2,406 |
| Cash dividends | $900,000 | 759 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,216,000 | 1,267 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $13,631,000 | 2,257 |
| Total interest expense | $3,224,000 | 3,323 |
| Net interest income | $10,407,000 | 1,874 |
| Provision for loan and lease losses | $550,000 | 2,218 |
| Total noninterest income | $3,373,000 | 1,426 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,385,000 | 1,163 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,988,000 | 1,313 |
| Total noninterest expense | $8,867,000 | 1,710 |
| Salaries and employee benefits | $4,860,000 | 1,656 |
| Premises and equipment expense | $1,509,000 | 1,465 |
| Additional noninterest expense | $2,498,000 | 1,859 |
| Pre-tax net operating income | $4,363,000 | 1,853 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $46,000 | 6,595 |
| Income before extraordinary items | $4,321,000 | 1,434 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,321,000 | 1,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,668 |
| Cash dividends | $3,200,000 | 877 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $4,317,040 | 1,392 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $14,970,000 | 2,279 |
| Total interest expense | $5,194,000 | 3,055 |
| Net interest income | $9,776,000 | 1,821 |
| Provision for loan and lease losses | $325,000 | 3,038 |
| Total noninterest income | $3,393,000 | 1,345 |
| Gross Fiduciary activities income | $62,000 | 1,095 |
| Service charges on deposit accounts | $1,437,000 | 1,037 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,894,000 | 1,295 |
| Total noninterest expense | $8,677,000 | 1,673 |
| Salaries and employee benefits | $4,713,000 | 1,594 |
| Premises and equipment expense | $1,560,000 | 1,373 |
| Additional noninterest expense | $2,404,000 | 1,886 |
| Pre-tax net operating income | $4,167,000 | 1,702 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $46,000 | 6,773 |
| Income before extraordinary items | $4,121,000 | 1,322 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,121,000 | 1,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $642,000 | 1,297 |
| Cash dividends | $3,200,000 | 867 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,121,000 | 1,267 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,471,000 | 2,138 |
| Total interest expense | $6,313,000 | 2,650 |
| Net interest income | $10,158,000 | 1,735 |
| Provision for loan and lease losses | $300,000 | 2,819 |
| Total noninterest income | $2,538,000 | 1,568 |
| Gross Fiduciary activities income | $18,000 | 1,161 |
| Service charges on deposit accounts | $1,433,000 | 941 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,087,000 | 1,764 |
| Total noninterest expense | $7,867,000 | 1,772 |
| Salaries and employee benefits | $4,316,000 | 1,657 |
| Premises and equipment expense | $1,418,000 | 1,470 |
| Additional noninterest expense | $2,133,000 | 2,034 |
| Pre-tax net operating income | $4,529,000 | 1,620 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $59,000 | 7,094 |
| Income before extraordinary items | $4,470,000 | 1,187 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,470,000 | 1,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,835 |
| Cash dividends | $3,200,000 | 907 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,470,000 | 1,190 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,688,000 | 2,080 |
| Total interest expense | $6,137,000 | 2,396 |
| Net interest income | $9,551,000 | 1,827 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $2,808,000 | 1,433 |
| Gross Fiduciary activities income | $45,000 | 1,113 |
| Service charges on deposit accounts | $1,602,000 | 830 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,161,000 | 1,689 |
| Total noninterest expense | $7,618,000 | 1,813 |
| Salaries and employee benefits | $3,964,000 | 1,741 |
| Premises and equipment expense | $1,440,000 | 1,417 |
| Additional noninterest expense | $2,214,000 | 1,971 |
| Pre-tax net operating income | $4,441,000 | 1,696 |
| Securities gains (losses) | $-34,000 | 9,691 |
| Applicable income taxes | $53,000 | 7,596 |
| Income before extraordinary items | $4,354,000 | 1,248 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,354,000 | 1,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-53,000 | 9,921 |
| Cash dividends | $3,950,000 | 789 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,387,660 | 1,223 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,322,000 | 2,128 |
| Total interest expense | $6,576,000 | 2,297 |
| Net interest income | $8,746,000 | 1,953 |
| Provision for loan and lease losses | $300,000 | 2,562 |
| Total noninterest income | $2,667,000 | 1,471 |
| Gross Fiduciary activities income | $18,000 | 1,226 |
| Service charges on deposit accounts | $1,458,000 | 847 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,191,000 | 1,635 |
| Total noninterest expense | $7,288,000 | 1,794 |
| Salaries and employee benefits | $3,684,000 | 1,812 |
| Premises and equipment expense | $1,398,000 | 1,395 |
| Additional noninterest expense | $2,206,000 | 1,919 |
| Pre-tax net operating income | $3,825,000 | 1,908 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $464,000 | 4,044 |
| Income before extraordinary items | $3,361,000 | 1,571 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,361,000 | 1,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,683 |
| Cash dividends | $2,500,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,361,000 | 1,509 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $14,732,000 | 2,216 |
| Total interest expense | $6,303,000 | 2,385 |
| Net interest income | $8,429,000 | 2,069 |
| Provision for loan and lease losses | $300,000 | 2,568 |
| Total noninterest income | $2,606,000 | 1,435 |
| Gross Fiduciary activities income | $18,000 | 1,292 |
| Service charges on deposit accounts | $1,533,000 | 837 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,055,000 | 1,687 |
| Total noninterest expense | $7,007,000 | 1,848 |
| Salaries and employee benefits | $3,488,000 | 1,877 |
| Premises and equipment expense | $1,415,000 | 1,382 |
| Additional noninterest expense | $2,104,000 | 2,005 |
| Pre-tax net operating income | $3,728,000 | 2,017 |
| Securities gains (losses) | $189,000 | 735 |
| Applicable income taxes | $1,330,000 | 1,900 |
| Income before extraordinary items | $2,587,000 | 2,044 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,587,000 | 2,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $691,000 | 1,038 |
| Cash dividends | $5,700,000 | 570 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,462,260 | 2,088 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,356,000 | 2,328 |
| Total interest expense | $5,846,000 | 2,603 |
| Net interest income | $8,510,000 | 2,102 |
| Provision for loan and lease losses | $507,000 | 1,713 |
| Total noninterest income | $2,707,000 | 1,464 |
| Gross Fiduciary activities income | $18,000 | 1,360 |
| Service charges on deposit accounts | $1,666,000 | 794 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,023,000 | 1,791 |
| Total noninterest expense | $7,281,000 | 1,937 |
| Salaries and employee benefits | $3,451,000 | 1,907 |
| Premises and equipment expense | $1,538,000 | 1,327 |
| Additional noninterest expense | $2,292,000 | 2,181 |
| Pre-tax net operating income | $3,429,000 | 2,088 |
| Securities gains (losses) | $23,000 | 1,905 |
| Applicable income taxes | $1,114,000 | 2,137 |
| Income before extraordinary items | $2,338,000 | 2,117 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,338,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 2,422 |
| Cash dividends | $1,750,000 | 1,417 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,322,360 | 2,086 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $14,104,000 | 2,376 |
| Total interest expense | $5,905,000 | 2,601 |
| Net interest income | $8,199,000 | 2,196 |
| Provision for loan and lease losses | $474,000 | 1,656 |
| Total noninterest income | $2,350,000 | 1,609 |
| Gross Fiduciary activities income | $12,000 | 1,457 |
| Service charges on deposit accounts | $1,546,000 | 860 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $792,000 | 2,122 |
| Total noninterest expense | $7,791,000 | 1,798 |
| Salaries and employee benefits | $3,588,000 | 1,851 |
| Premises and equipment expense | $1,497,000 | 1,380 |
| Additional noninterest expense | $2,706,000 | 1,845 |
| Pre-tax net operating income | $2,284,000 | 3,106 |
| Securities gains (losses) | $137,000 | 819 |
| Applicable income taxes | $646,000 | 3,465 |
| Income before extraordinary items | $1,775,000 | 2,780 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,775,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,854 |
| Cash dividends | $600,000 | 2,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,674,990 | 2,899 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $12,947,000 | 2,349 |
| Total interest expense | $5,045,000 | 2,436 |
| Net interest income | $7,902,000 | 2,280 |
| Provision for loan and lease losses | $191,000 | 3,115 |
| Total noninterest income | $3,864,000 | 1,107 |
| Gross Fiduciary activities income | $16,000 | 1,439 |
| Service charges on deposit accounts | $1,571,000 | 828 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $2,277,000 | 1,038 |
| Total noninterest expense | $9,160,000 | 1,602 |
| Salaries and employee benefits | $3,507,000 | 1,906 |
| Premises and equipment expense | $1,504,000 | 1,382 |
| Additional noninterest expense | $4,149,000 | 1,377 |
| Pre-tax net operating income | $2,415,000 | 2,917 |
| Securities gains (losses) | $-623,000 | 12,304 |
| Applicable income taxes | $309,000 | 5,767 |
| Income before extraordinary items | $1,483,000 | 3,208 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,483,000 | 3,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,338 |
| Cash dividends | $2,300,000 | 986 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,000,090 | 2,445 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,618,000 | 4,001 |
| Total interest expense | $3,087,000 | 4,019 |
| Net interest income | $4,531,000 | 3,910 |
| Provision for loan and lease losses | $12,000 | 9,545 |
| Total noninterest income | $877,000 | 3,708 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $554,000 | 2,496 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $323,000 | 4,288 |
| Total noninterest expense | $4,050,000 | 3,453 |
| Salaries and employee benefits | $1,548,000 | 4,163 |
| Premises and equipment expense | $837,000 | 2,443 |
| Additional noninterest expense | $1,665,000 | 3,205 |
| Pre-tax net operating income | $1,346,000 | 4,740 |
| Securities gains (losses) | $199,000 | 1,699 |
| Applicable income taxes | $401,000 | 4,994 |
| Income before extraordinary items | $1,144,000 | 4,196 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,144,000 | 4,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 12,163 |
| Cash dividends | $900,000 | 1,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $996,740 | 4,476 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,658,000 | 3,992 |
| Total interest expense | $4,282,000 | 3,824 |
| Net interest income | $4,376,000 | 4,113 |
| Provision for loan and lease losses | $36,000 | 9,661 |
| Total noninterest income | $925,000 | 3,543 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $528,000 | 2,620 |
| Trading account gains and fees | $-44,000 | 5,242 |
| Additional Noninterest Income | $441,000 | 3,483 |
| Total noninterest expense | $3,780,000 | 3,680 |
| Salaries and employee benefits | $1,417,000 | 4,450 |
| Premises and equipment expense | $871,000 | 2,368 |
| Additional noninterest expense | $1,492,000 | 3,618 |
| Pre-tax net operating income | $1,485,000 | 4,069 |
| Securities gains (losses) | $212,000 | 1,940 |
| Applicable income taxes | $588,000 | 3,484 |
| Income before extraordinary items | $1,109,000 | 4,097 |
| Extraordinary gains, net | $25,000 | 1,177 |
| Net income | $1,134,000 | 4,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 9,883 |
| Cash dividends | $450,000 | 3,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $971,200 | 4,297 |
* 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.