Home > Monroe State Bank > Income and Expense
Monroe State Bank, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $230,000 | 6,466 |
| Total interest expense | $22,000 | 6,326 |
| Net interest income | $208,000 | 6,460 |
| Provision for loan and lease losses | $5,000 | 3,593 |
| Total noninterest income | $22,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $16,000 | 5,587 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $6,000 | 6,177 |
| Total noninterest expense | $136,000 | 6,606 |
| Salaries and employee benefits | $98,000 | 6,476 |
| Premises and equipment expense | $12,000 | 6,547 |
| Additional noninterest expense | $26,000 | 6,686 |
| Pre-tax net operating income | $89,000 | 5,375 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $27,000 | 3,349 |
| Income before extraordinary items | $62,000 | 5,581 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $62,000 | 5,581 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $62,000 | 5,581 |
| Net charge-offs | $-1,000 | 4,711 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $62,000 | 5,545 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $927,000 | 6,543 |
| Total interest expense | $100,000 | 6,421 |
| Net interest income | $827,000 | 6,531 |
| Provision for loan and lease losses | $18,000 | 4,768 |
| Total noninterest income | $55,000 | 6,464 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $80,000 | 5,521 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-25,000 | 6,535 |
| Total noninterest expense | $737,000 | 6,570 |
| Salaries and employee benefits | $465,000 | 6,460 |
| Premises and equipment expense | $89,000 | 6,369 |
| Additional noninterest expense | $183,000 | 6,646 |
| Pre-tax net operating income | $127,000 | 5,882 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $16,000 | 4,174 |
| Income before extraordinary items | $111,000 | 5,961 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $111,000 | 5,962 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $111,000 | 5,963 |
| Net charge-offs | $-5,000 | 6,050 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $111,000 | 5,910 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $690,000 | 6,623 |
| Total interest expense | $78,000 | 6,494 |
| Net interest income | $612,000 | 6,613 |
| Provision for loan and lease losses | $14,000 | 4,644 |
| Total noninterest income | $37,000 | 6,577 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $60,000 | 5,583 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-23,000 | 6,648 |
| Total noninterest expense | $512,000 | 6,658 |
| Salaries and employee benefits | $344,000 | 6,525 |
| Premises and equipment expense | $68,000 | 6,403 |
| Additional noninterest expense | $100,000 | 6,798 |
| Pre-tax net operating income | $123,000 | 5,914 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $123,000 | 5,928 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $123,000 | 5,930 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $123,000 | 5,930 |
| Net charge-offs | $-10,000 | 6,131 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $123,000 | 5,864 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $446,000 | 6,687 |
| Total interest expense | $52,000 | 6,559 |
| Net interest income | $394,000 | 6,673 |
| Provision for loan and lease losses | $6,000 | 4,608 |
| Total noninterest income | $21,000 | 6,646 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $40,000 | 5,595 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-19,000 | 6,707 |
| Total noninterest expense | $380,000 | 6,646 |
| Salaries and employee benefits | $248,000 | 6,501 |
| Premises and equipment expense | $34,000 | 6,609 |
| Additional noninterest expense | $98,000 | 6,716 |
| Pre-tax net operating income | $29,000 | 6,180 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $29,000 | 6,252 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $29,000 | 6,254 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $29,000 | 6,254 |
| Net charge-offs | $-4,000 | 5,877 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $29,000 | 6,174 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $218,000 | 6,764 |
| Total interest expense | $26,000 | 6,635 |
| Net interest income | $192,000 | 6,752 |
| Provision for loan and lease losses | $5,000 | 4,198 |
| Total noninterest income | $39,000 | 5,958 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $20,000 | 5,591 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $19,000 | 5,716 |
| Total noninterest expense | $169,000 | 6,785 |
| Salaries and employee benefits | $104,000 | 6,699 |
| Premises and equipment expense | $25,000 | 6,421 |
| Additional noninterest expense | $40,000 | 6,865 |
| Pre-tax net operating income | $57,000 | 5,765 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $57,000 | 5,755 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $57,000 | 5,757 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $57,000 | 5,757 |
| Net charge-offs | $-4,000 | 5,794 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $57,000 | 5,662 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $940,000 | 6,812 |
| Total interest expense | $113,000 | 6,772 |
| Net interest income | $827,000 | 6,790 |
| Provision for loan and lease losses | $73,000 | 4,955 |
| Total noninterest income | $57,000 | 6,607 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $78,000 | 5,758 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-21,000 | 6,626 |
| Total noninterest expense | $742,000 | 6,811 |
| Salaries and employee benefits | $487,000 | 6,653 |
| Premises and equipment expense | $108,000 | 6,458 |
| Additional noninterest expense | $147,000 | 6,975 |
| Pre-tax net operating income | $69,000 | 5,987 |
| Securities gains (losses) | $-9,000 | 6,735 |
| Applicable income taxes | $37,000 | 3,989 |
| Income before extraordinary items | $23,000 | 6,260 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $23,000 | 6,253 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $23,000 | 6,255 |
| Net charge-offs | $110,000 | 4,347 |
| Cash dividends | $476,000 | 2,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $28,760 | 6,100 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $690,000 | 6,928 |
| Total interest expense | $84,000 | 6,893 |
| Net interest income | $606,000 | 6,899 |
| Provision for loan and lease losses | $18,000 | 5,434 |
| Total noninterest income | $67,000 | 6,478 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $60,000 | 5,797 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $7,000 | 6,540 |
| Total noninterest expense | $500,000 | 6,944 |
| Salaries and employee benefits | $311,000 | 6,846 |
| Premises and equipment expense | $96,000 | 6,373 |
| Additional noninterest expense | $93,000 | 7,110 |
| Pre-tax net operating income | $155,000 | 5,845 |
| Securities gains (losses) | $-9,000 | 6,866 |
| Applicable income taxes | $19,000 | 4,178 |
| Income before extraordinary items | $127,000 | 6,017 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $127,000 | 6,016 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $127,000 | 6,016 |
| Net charge-offs | $8,000 | 5,367 |
| Cash dividends | $74,000 | 3,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $134,830 | 5,847 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $452,000 | 6,998 |
| Total interest expense | $56,000 | 6,964 |
| Net interest income | $396,000 | 6,963 |
| Provision for loan and lease losses | $13,000 | 5,290 |
| Total noninterest income | $48,000 | 6,469 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $41,000 | 5,788 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,000 | 6,537 |
| Total noninterest expense | $335,000 | 6,995 |
| Salaries and employee benefits | $202,000 | 6,924 |
| Premises and equipment expense | $69,000 | 6,333 |
| Additional noninterest expense | $64,000 | 7,170 |
| Pre-tax net operating income | $96,000 | 5,888 |
| Securities gains (losses) | $-5,000 | 6,901 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $91,000 | 5,995 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $91,000 | 5,995 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $91,000 | 5,995 |
| Net charge-offs | $0 | 5,507 |
| Cash dividends | $56,000 | 3,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $96,000 | 5,814 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $222,000 | 7,058 |
| Total interest expense | $27,000 | 7,056 |
| Net interest income | $195,000 | 7,035 |
| Provision for loan and lease losses | $9,000 | 4,893 |
| Total noninterest income | $26,000 | 6,463 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $20,000 | 5,813 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $6,000 | 6,469 |
| Total noninterest expense | $180,000 | 7,018 |
| Salaries and employee benefits | $102,000 | 6,979 |
| Premises and equipment expense | $29,000 | 6,543 |
| Additional noninterest expense | $49,000 | 7,064 |
| Pre-tax net operating income | $32,000 | 6,107 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $32,000 | 6,192 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $32,000 | 6,190 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $32,000 | 6,192 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $56,000 | 2,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $32,000 | 6,066 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $943,000 | 7,108 |
| Total interest expense | $126,000 | 7,134 |
| Net interest income | $817,000 | 7,063 |
| Provision for loan and lease losses | $128,000 | 5,103 |
| Total noninterest income | $113,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $82,000 | 5,779 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $31,000 | 6,201 |
| Total noninterest expense | $763,000 | 7,062 |
| Salaries and employee benefits | $509,000 | 6,883 |
| Premises and equipment expense | $116,000 | 6,707 |
| Additional noninterest expense | $138,000 | 7,267 |
| Pre-tax net operating income | $39,000 | 5,913 |
| Securities gains (losses) | $-2,000 | 6,752 |
| Applicable income taxes | $8,000 | 4,354 |
| Income before extraordinary items | $29,000 | 6,083 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $29,000 | 6,085 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $29,000 | 6,085 |
| Net charge-offs | $137,000 | 4,688 |
| Cash dividends | $150,000 | 3,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $30,560 | 5,962 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $843,000 | 7,088 |
| Total interest expense | $96,000 | 7,211 |
| Net interest income | $747,000 | 7,008 |
| Provision for loan and lease losses | $14,000 | 6,121 |
| Total noninterest income | $69,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $60,000 | 5,838 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $9,000 | 6,665 |
| Total noninterest expense | $523,000 | 7,167 |
| Salaries and employee benefits | $331,000 | 7,035 |
| Premises and equipment expense | $88,000 | 6,725 |
| Additional noninterest expense | $104,000 | 7,335 |
| Pre-tax net operating income | $279,000 | 5,195 |
| Securities gains (losses) | $-2,000 | 6,883 |
| Applicable income taxes | $70,000 | 3,451 |
| Income before extraordinary items | $207,000 | 5,469 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $207,000 | 5,469 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $207,000 | 5,469 |
| Net charge-offs | $0 | 6,185 |
| Cash dividends | $150,000 | 2,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $208,500 | 5,325 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $487,000 | 7,235 |
| Total interest expense | $65,000 | 7,287 |
| Net interest income | $422,000 | 7,181 |
| Provision for loan and lease losses | $8,000 | 6,035 |
| Total noninterest income | $46,000 | 6,647 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $38,000 | 5,893 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 6,666 |
| Total noninterest expense | $334,000 | 7,265 |
| Salaries and employee benefits | $234,000 | 7,052 |
| Premises and equipment expense | $50,000 | 6,919 |
| Additional noninterest expense | $50,000 | 7,471 |
| Pre-tax net operating income | $126,000 | 5,539 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $28,000 | 3,676 |
| Income before extraordinary items | $98,000 | 5,716 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $98,000 | 5,714 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $98,000 | 5,716 |
| Net charge-offs | $0 | 5,875 |
| Cash dividends | $113,000 | 2,721 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $98,000 | 5,626 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $242,000 | 7,296 |
| Total interest expense | $33,000 | 7,348 |
| Net interest income | $209,000 | 7,230 |
| Provision for loan and lease losses | $5,000 | 5,624 |
| Total noninterest income | $26,000 | 6,619 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $19,000 | 5,858 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $7,000 | 6,570 |
| Total noninterest expense | $183,000 | 7,266 |
| Salaries and employee benefits | $117,000 | 7,101 |
| Premises and equipment expense | $31,000 | 6,774 |
| Additional noninterest expense | $35,000 | 7,470 |
| Pre-tax net operating income | $47,000 | 5,798 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $47,000 | 5,758 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $47,000 | 5,757 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $47,000 | 5,758 |
| Net charge-offs | $0 | 5,107 |
| Cash dividends | $113,000 | 1,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $47,000 | 5,717 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 7,331 |
| Total interest expense | $149,000 | 7,436 |
| Net interest income | $892,000 | 7,251 |
| Provision for loan and lease losses | $18,000 | 6,846 |
| Total noninterest income | $87,000 | 6,771 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $78,000 | 5,806 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $9,000 | 6,804 |
| Total noninterest expense | $782,000 | 7,307 |
| Salaries and employee benefits | $530,000 | 7,074 |
| Premises and equipment expense | $91,000 | 7,134 |
| Additional noninterest expense | $161,000 | 7,508 |
| Pre-tax net operating income | $179,000 | 5,250 |
| Securities gains (losses) | $-19,000 | 7,077 |
| Applicable income taxes | $52,000 | 3,615 |
| Income before extraordinary items | $108,000 | 5,579 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $108,000 | 5,581 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $108,000 | 5,581 |
| Net charge-offs | $9,000 | 6,589 |
| Cash dividends | $168,000 | 3,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $120,730 | 5,421 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $795,000 | 7,432 |
| Total interest expense | $115,000 | 7,550 |
| Net interest income | $680,000 | 7,345 |
| Provision for loan and lease losses | $14,000 | 6,777 |
| Total noninterest income | $70,000 | 6,866 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $62,000 | 5,806 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $8,000 | 6,955 |
| Total noninterest expense | $496,000 | 7,494 |
| Salaries and employee benefits | $341,000 | 7,303 |
| Premises and equipment expense | $70,000 | 7,197 |
| Additional noninterest expense | $85,000 | 7,692 |
| Pre-tax net operating income | $240,000 | 5,093 |
| Securities gains (losses) | $-19,000 | 7,258 |
| Applicable income taxes | $63,000 | 3,431 |
| Income before extraordinary items | $158,000 | 5,479 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $158,000 | 5,480 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $158,000 | 5,481 |
| Net charge-offs | $6,000 | 6,398 |
| Cash dividends | $168,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $171,490 | 5,264 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $543,000 | 7,490 |
| Total interest expense | $76,000 | 7,622 |
| Net interest income | $467,000 | 7,377 |
| Provision for loan and lease losses | $9,000 | 6,665 |
| Total noninterest income | $50,000 | 6,850 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $40,000 | 5,874 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $10,000 | 6,845 |
| Total noninterest expense | $340,000 | 7,543 |
| Salaries and employee benefits | $229,000 | 7,345 |
| Premises and equipment expense | $46,000 | 7,265 |
| Additional noninterest expense | $65,000 | 7,728 |
| Pre-tax net operating income | $168,000 | 5,099 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $44,000 | 3,371 |
| Income before extraordinary items | $124,000 | 5,389 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $124,000 | 5,391 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $124,000 | 5,391 |
| Net charge-offs | $3,000 | 6,164 |
| Cash dividends | $112,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $124,000 | 5,264 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $272,000 | 7,582 |
| Total interest expense | $38,000 | 7,735 |
| Net interest income | $234,000 | 7,467 |
| Provision for loan and lease losses | $5,000 | 6,354 |
| Total noninterest income | $25,000 | 6,913 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $18,000 | 6,033 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $7,000 | 6,844 |
| Total noninterest expense | $163,000 | 7,677 |
| Salaries and employee benefits | $115,000 | 7,431 |
| Premises and equipment expense | $11,000 | 7,727 |
| Additional noninterest expense | $37,000 | 7,782 |
| Pre-tax net operating income | $91,000 | 5,152 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $25,000 | 3,295 |
| Income before extraordinary items | $66,000 | 5,454 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $66,000 | 5,456 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $66,000 | 5,455 |
| Net charge-offs | $4,000 | 5,215 |
| Cash dividends | $112,000 | 1,816 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $66,000 | 5,350 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,131,000 | 7,640 |
| Total interest expense | $175,000 | 7,810 |
| Net interest income | $956,000 | 7,479 |
| Provision for loan and lease losses | $55,000 | 6,802 |
| Total noninterest income | $85,000 | 7,105 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $73,000 | 6,126 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $12,000 | 7,140 |
| Total noninterest expense | $771,000 | 7,652 |
| Salaries and employee benefits | $522,000 | 7,388 |
| Premises and equipment expense | $83,000 | 7,523 |
| Additional noninterest expense | $166,000 | 7,845 |
| Pre-tax net operating income | $215,000 | 4,760 |
| Securities gains (losses) | $-8,000 | 6,985 |
| Applicable income taxes | $64,000 | 3,131 |
| Income before extraordinary items | $143,000 | 5,010 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $143,000 | 5,010 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $143,000 | 5,010 |
| Net charge-offs | $56,000 | 6,137 |
| Cash dividends | $169,000 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $148,520 | 4,924 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $832,000 | 7,732 |
| Total interest expense | $136,000 | 7,893 |
| Net interest income | $696,000 | 7,576 |
| Provision for loan and lease losses | $18,000 | 6,974 |
| Total noninterest income | $64,000 | 7,238 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $54,000 | 6,185 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $10,000 | 7,275 |
| Total noninterest expense | $517,000 | 7,783 |
| Salaries and employee benefits | $329,000 | 7,615 |
| Premises and equipment expense | $71,000 | 7,491 |
| Additional noninterest expense | $117,000 | 7,943 |
| Pre-tax net operating income | $225,000 | 4,821 |
| Securities gains (losses) | $-8,000 | 7,209 |
| Applicable income taxes | $29,000 | 3,621 |
| Income before extraordinary items | $188,000 | 4,909 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $188,000 | 4,907 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $188,000 | 4,908 |
| Net charge-offs | $56,000 | 5,586 |
| Cash dividends | $169,000 | 3,229 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $194,960 | 4,815 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $547,000 | 7,823 |
| Total interest expense | $95,000 | 7,976 |
| Net interest income | $452,000 | 7,649 |
| Provision for loan and lease losses | $11,000 | 6,892 |
| Total noninterest income | $44,000 | 7,265 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $35,000 | 6,236 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $9,000 | 7,286 |
| Total noninterest expense | $328,000 | 7,891 |
| Salaries and employee benefits | $220,000 | 7,699 |
| Premises and equipment expense | $43,000 | 7,635 |
| Additional noninterest expense | $65,000 | 8,074 |
| Pre-tax net operating income | $157,000 | 4,902 |
| Securities gains (losses) | $-8,000 | 7,458 |
| Applicable income taxes | $28,000 | 3,524 |
| Income before extraordinary items | $121,000 | 5,050 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 5,048 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $121,000 | 5,049 |
| Net charge-offs | $43,000 | 5,045 |
| Cash dividends | $113,000 | 3,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $127,480 | 4,931 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $259,000 | 7,921 |
| Total interest expense | $18,000 | 8,165 |
| Net interest income | $241,000 | 7,629 |
| Provision for loan and lease losses | $4,000 | 6,586 |
| Total noninterest income | $17,000 | 7,517 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $14,000 | 6,456 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $3,000 | 7,508 |
| Total noninterest expense | $182,000 | 7,842 |
| Salaries and employee benefits | $110,000 | 7,743 |
| Premises and equipment expense | $21,000 | 7,693 |
| Additional noninterest expense | $51,000 | 7,841 |
| Pre-tax net operating income | $72,000 | 5,356 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $72,000 | 5,354 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $72,000 | 5,359 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $72,000 | 5,358 |
| Net charge-offs | $24,000 | 4,197 |
| Cash dividends | $113,000 | 2,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $72,000 | 5,179 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 7,862 |
| Total interest expense | $263,000 | 8,036 |
| Net interest income | $945,000 | 7,651 |
| Provision for loan and lease losses | $16,000 | 7,078 |
| Total noninterest income | $95,000 | 7,348 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 6,494 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $35,000 | 7,078 |
| Total noninterest expense | $735,000 | 7,879 |
| Salaries and employee benefits | $539,000 | 7,562 |
| Premises and equipment expense | $76,000 | 7,834 |
| Additional noninterest expense | $120,000 | 8,171 |
| Pre-tax net operating income | $289,000 | 5,480 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $95,000 | 3,418 |
| Income before extraordinary items | $194,000 | 5,506 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $194,000 | 5,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,772 |
| Cash dividends | $226,000 | 4,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $194,000 | 5,659 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $903,000 | 7,954 |
| Total interest expense | $213,000 | 8,103 |
| Net interest income | $690,000 | 7,747 |
| Provision for loan and lease losses | $12,000 | 6,700 |
| Total noninterest income | $82,000 | 7,318 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $50,000 | 6,441 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $32,000 | 7,052 |
| Total noninterest expense | $468,000 | 8,050 |
| Salaries and employee benefits | $318,000 | 7,880 |
| Premises and equipment expense | $58,000 | 7,873 |
| Additional noninterest expense | $92,000 | 8,220 |
| Pre-tax net operating income | $292,000 | 5,672 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $50,000 | 4,098 |
| Income before extraordinary items | $242,000 | 5,492 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $242,000 | 5,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,620 |
| Cash dividends | $226,000 | 3,730 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $242,000 | 5,663 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $610,000 | 8,001 |
| Total interest expense | $156,000 | 8,153 |
| Net interest income | $454,000 | 7,808 |
| Provision for loan and lease losses | $7,000 | 6,417 |
| Total noninterest income | $52,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $28,000 | 6,625 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $24,000 | 7,026 |
| Total noninterest expense | $305,000 | 8,130 |
| Salaries and employee benefits | $213,000 | 7,935 |
| Premises and equipment expense | $32,000 | 8,048 |
| Additional noninterest expense | $60,000 | 8,283 |
| Pre-tax net operating income | $194,000 | 5,857 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $10,000 | 4,982 |
| Income before extraordinary items | $184,000 | 5,728 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $184,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,615 |
| Cash dividends | $113,000 | 3,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $184,000 | 5,671 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $309,000 | 8,053 |
| Total interest expense | $86,000 | 8,173 |
| Net interest income | $223,000 | 7,874 |
| Provision for loan and lease losses | $2,000 | 5,968 |
| Total noninterest income | $32,000 | 7,250 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $18,000 | 6,345 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,895 |
| Total noninterest expense | $169,000 | 8,087 |
| Salaries and employee benefits | $106,000 | 7,972 |
| Premises and equipment expense | $21,000 | 7,894 |
| Additional noninterest expense | $42,000 | 8,147 |
| Pre-tax net operating income | $84,000 | 6,196 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $84,000 | 6,058 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $84,000 | 6,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,531 |
| Cash dividends | $113,000 | 2,814 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $84,000 | 5,971 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 8,065 |
| Total interest expense | $358,000 | 8,151 |
| Net interest income | $881,000 | 7,895 |
| Provision for loan and lease losses | $12,000 | 6,512 |
| Total noninterest income | $100,000 | 7,555 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $61,000 | 6,585 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $39,000 | 7,327 |
| Total noninterest expense | $699,000 | 8,090 |
| Salaries and employee benefits | $521,000 | 7,745 |
| Premises and equipment expense | $50,000 | 8,249 |
| Additional noninterest expense | $128,000 | 8,345 |
| Pre-tax net operating income | $270,000 | 6,680 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $73,000 | 4,697 |
| Income before extraordinary items | $197,000 | 6,799 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $197,000 | 6,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,055 |
| Cash dividends | $208,000 | 4,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $197,000 | 6,783 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $901,000 | 8,148 |
| Total interest expense | $265,000 | 8,205 |
| Net interest income | $636,000 | 7,986 |
| Provision for loan and lease losses | $9,000 | 6,211 |
| Total noninterest income | $74,000 | 7,628 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $43,000 | 6,661 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $31,000 | 7,315 |
| Total noninterest expense | $430,000 | 8,242 |
| Salaries and employee benefits | $308,000 | 8,011 |
| Premises and equipment expense | $26,000 | 8,367 |
| Additional noninterest expense | $96,000 | 8,351 |
| Pre-tax net operating income | $271,000 | 6,681 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $27,000 | 5,314 |
| Income before extraordinary items | $244,000 | 6,595 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $244,000 | 6,592 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,200 |
| Cash dividends | $208,000 | 4,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $244,000 | 6,579 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $597,000 | 8,215 |
| Total interest expense | $185,000 | 8,240 |
| Net interest income | $412,000 | 8,074 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $54,000 | 7,573 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $32,000 | 6,601 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $22,000 | 7,282 |
| Total noninterest expense | $279,000 | 8,308 |
| Salaries and employee benefits | $203,000 | 8,074 |
| Premises and equipment expense | $17,000 | 8,412 |
| Additional noninterest expense | $59,000 | 8,429 |
| Pre-tax net operating income | $181,000 | 6,749 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $18,000 | 5,393 |
| Income before extraordinary items | $163,000 | 6,637 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $163,000 | 6,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $113,000 | 4,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $163,000 | 6,630 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $294,000 | 8,275 |
| Total interest expense | $90,000 | 8,298 |
| Net interest income | $204,000 | 8,147 |
| Provision for loan and lease losses | $3,000 | 5,535 |
| Total noninterest income | $26,000 | 7,612 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $13,000 | 6,796 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $13,000 | 7,127 |
| Total noninterest expense | $127,000 | 8,403 |
| Salaries and employee benefits | $99,000 | 8,138 |
| Premises and equipment expense | $8,000 | 8,463 |
| Additional noninterest expense | $20,000 | 8,563 |
| Pre-tax net operating income | $100,000 | 6,660 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $18,000 | 4,999 |
| Income before extraordinary items | $82,000 | 6,678 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $82,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $113,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $82,000 | 6,665 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,131,000 | 8,185 |
| Total interest expense | $284,000 | 8,316 |
| Net interest income | $847,000 | 8,035 |
| Provision for loan and lease losses | $12,000 | 6,496 |
| Total noninterest income | $126,000 | 7,506 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $75,000 | 6,508 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $51,000 | 7,226 |
| Total noninterest expense | $746,000 | 8,088 |
| Salaries and employee benefits | $557,000 | 7,719 |
| Premises and equipment expense | $60,000 | 8,251 |
| Additional noninterest expense | $129,000 | 8,453 |
| Pre-tax net operating income | $215,000 | 7,354 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $44,000 | 5,530 |
| Income before extraordinary items | $171,000 | 7,394 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $171,000 | 7,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,438 |
| Cash dividends | $226,000 | 4,818 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $171,000 | 7,388 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $835,000 | 8,268 |
| Total interest expense | $199,000 | 8,396 |
| Net interest income | $636,000 | 8,110 |
| Provision for loan and lease losses | $9,000 | 6,392 |
| Total noninterest income | $100,000 | 7,511 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $59,000 | 6,534 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $41,000 | 7,178 |
| Total noninterest expense | $496,000 | 8,248 |
| Salaries and employee benefits | $329,000 | 8,043 |
| Premises and equipment expense | $68,000 | 7,948 |
| Additional noninterest expense | $99,000 | 8,488 |
| Pre-tax net operating income | $231,000 | 7,296 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $24,000 | 5,893 |
| Income before extraordinary items | $207,000 | 7,189 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $207,000 | 7,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,593 |
| Cash dividends | $226,000 | 4,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $207,000 | 7,184 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $553,000 | 8,305 |
| Total interest expense | $125,000 | 8,436 |
| Net interest income | $428,000 | 8,150 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $65,000 | 7,601 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $38,000 | 6,602 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $27,000 | 7,238 |
| Total noninterest expense | $330,000 | 8,280 |
| Salaries and employee benefits | $228,000 | 8,036 |
| Premises and equipment expense | $53,000 | 7,776 |
| Additional noninterest expense | $49,000 | 8,647 |
| Pre-tax net operating income | $157,000 | 7,344 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $25,000 | 5,675 |
| Income before extraordinary items | $132,000 | 7,292 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $132,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $113,000 | 4,247 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $132,000 | 7,300 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $271,000 | 8,337 |
| Total interest expense | $59,000 | 8,470 |
| Net interest income | $212,000 | 8,186 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $31,000 | 7,631 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $16,000 | 6,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,090 |
| Total noninterest expense | $165,000 | 8,286 |
| Salaries and employee benefits | $123,000 | 7,942 |
| Premises and equipment expense | $15,000 | 8,314 |
| Additional noninterest expense | $27,000 | 8,629 |
| Pre-tax net operating income | $75,000 | 7,374 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $75,000 | 7,115 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $75,000 | 7,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $113,000 | 2,978 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $75,000 | 7,120 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,077,000 | 8,264 |
| Total interest expense | $190,000 | 8,463 |
| Net interest income | $887,000 | 8,105 |
| Provision for loan and lease losses | $6,000 | 6,930 |
| Total noninterest income | $114,000 | 7,803 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $64,000 | 6,854 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $50,000 | 7,395 |
| Total noninterest expense | $676,000 | 8,284 |
| Salaries and employee benefits | $507,000 | 7,875 |
| Premises and equipment expense | $62,000 | 8,319 |
| Additional noninterest expense | $107,000 | 8,678 |
| Pre-tax net operating income | $319,000 | 7,325 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $100,000 | 5,373 |
| Income before extraordinary items | $219,000 | 7,502 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $219,000 | 7,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $450,000 | 3,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $219,000 | 7,477 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $798,000 | 8,312 |
| Total interest expense | $137,000 | 8,498 |
| Net interest income | $661,000 | 8,160 |
| Provision for loan and lease losses | $5,000 | 6,713 |
| Total noninterest income | $83,000 | 7,869 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 6,963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 7,396 |
| Total noninterest expense | $400,000 | 8,514 |
| Salaries and employee benefits | $287,000 | 8,242 |
| Premises and equipment expense | $37,000 | 8,482 |
| Additional noninterest expense | $76,000 | 8,700 |
| Pre-tax net operating income | $339,000 | 7,031 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $73,000 | 5,514 |
| Income before extraordinary items | $266,000 | 7,091 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $266,000 | 7,090 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $337,000 | 3,367 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $266,000 | 7,061 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $520,000 | 8,346 |
| Total interest expense | $90,000 | 8,505 |
| Net interest income | $430,000 | 8,202 |
| Provision for loan and lease losses | $3,000 | 6,494 |
| Total noninterest income | $52,000 | 7,927 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $28,000 | 7,031 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $24,000 | 7,442 |
| Total noninterest expense | $256,000 | 8,545 |
| Salaries and employee benefits | $189,000 | 8,263 |
| Premises and equipment expense | $21,000 | 8,548 |
| Additional noninterest expense | $46,000 | 8,737 |
| Pre-tax net operating income | $223,000 | 7,077 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $48,000 | 5,551 |
| Income before extraordinary items | $175,000 | 7,121 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $175,000 | 7,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $225,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $175,000 | 7,090 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $256,000 | 8,430 |
| Total interest expense | $43,000 | 8,574 |
| Net interest income | $213,000 | 8,287 |
| Provision for loan and lease losses | $2,000 | 6,096 |
| Total noninterest income | $24,000 | 8,024 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,631 |
| Total noninterest expense | $133,000 | 8,586 |
| Salaries and employee benefits | $95,000 | 8,326 |
| Premises and equipment expense | $13,000 | 8,500 |
| Additional noninterest expense | $25,000 | 8,768 |
| Pre-tax net operating income | $102,000 | 7,192 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $24,000 | 5,498 |
| Income before extraordinary items | $78,000 | 7,274 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $78,000 | 7,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $112,000 | 2,826 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $78,000 | 7,245 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,023,000 | 8,374 |
| Total interest expense | $175,000 | 8,544 |
| Net interest income | $848,000 | 8,239 |
| Provision for loan and lease losses | $3,000 | 7,246 |
| Total noninterest income | $112,000 | 7,942 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $61,000 | 7,102 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $51,000 | 7,386 |
| Total noninterest expense | $617,000 | 8,484 |
| Salaries and employee benefits | $472,000 | 8,072 |
| Premises and equipment expense | $45,000 | 8,651 |
| Additional noninterest expense | $100,000 | 8,817 |
| Pre-tax net operating income | $340,000 | 7,307 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $89,000 | 5,629 |
| Income before extraordinary items | $251,000 | 7,421 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $251,000 | 7,421 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $169,000 | 5,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $251,000 | 7,368 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $759,000 | 8,430 |
| Total interest expense | $132,000 | 8,592 |
| Net interest income | $627,000 | 8,289 |
| Provision for loan and lease losses | $1,000 | 7,077 |
| Total noninterest income | $85,000 | 7,993 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $49,000 | 7,079 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 7,481 |
| Total noninterest expense | $389,000 | 8,657 |
| Salaries and employee benefits | $276,000 | 8,396 |
| Premises and equipment expense | $37,000 | 8,631 |
| Additional noninterest expense | $76,000 | 8,844 |
| Pre-tax net operating income | $322,000 | 7,091 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $72,000 | 5,681 |
| Income before extraordinary items | $250,000 | 7,199 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $250,000 | 7,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $169,000 | 4,184 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $250,000 | 7,139 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $500,000 | 8,499 |
| Total interest expense | $88,000 | 8,651 |
| Net interest income | $412,000 | 8,352 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $56,000 | 8,050 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $33,000 | 7,087 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $248,000 | 8,743 |
| Salaries and employee benefits | $184,000 | 8,454 |
| Premises and equipment expense | $16,000 | 8,866 |
| Additional noninterest expense | $48,000 | 8,917 |
| Pre-tax net operating income | $220,000 | 7,041 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $48,000 | 5,678 |
| Income before extraordinary items | $172,000 | 7,142 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $172,000 | 7,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $56,000 | 4,613 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $172,000 | 7,066 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $248,000 | 8,557 |
| Total interest expense | $45,000 | 8,685 |
| Net interest income | $203,000 | 8,418 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $25,000 | 8,175 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $129,000 | 8,750 |
| Salaries and employee benefits | $92,000 | 8,495 |
| Premises and equipment expense | $10,000 | 8,791 |
| Additional noninterest expense | $27,000 | 8,908 |
| Pre-tax net operating income | $99,000 | 7,169 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $24,000 | 5,624 |
| Income before extraordinary items | $75,000 | 7,335 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $75,000 | 7,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $55,000 | 3,326 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $75,000 | 7,245 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,106,000 | 8,492 |
| Total interest expense | $212,000 | 8,710 |
| Net interest income | $894,000 | 8,271 |
| Provision for loan and lease losses | $10,000 | 7,370 |
| Total noninterest income | $102,000 | 8,286 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $62,000 | 7,233 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $40,000 | 7,815 |
| Total noninterest expense | $610,000 | 8,638 |
| Salaries and employee benefits | $464,000 | 8,206 |
| Premises and equipment expense | $48,000 | 8,799 |
| Additional noninterest expense | $98,000 | 9,012 |
| Pre-tax net operating income | $376,000 | 7,134 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $96,000 | 5,763 |
| Income before extraordinary items | $280,000 | 7,377 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $280,000 | 7,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,602 |
| Cash dividends | $113,000 | 5,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $280,000 | 7,236 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $827,000 | 8,587 |
| Total interest expense | $163,000 | 8,804 |
| Net interest income | $664,000 | 8,354 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $72,000 | 8,412 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $45,000 | 7,328 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $27,000 | 7,963 |
| Total noninterest expense | $384,000 | 8,848 |
| Salaries and employee benefits | $273,000 | 8,539 |
| Premises and equipment expense | $42,000 | 8,710 |
| Additional noninterest expense | $69,000 | 9,074 |
| Pre-tax net operating income | $352,000 | 6,941 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $61,000 | 6,055 |
| Income before extraordinary items | $291,000 | 6,994 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $291,000 | 6,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,382 |
| Cash dividends | $113,000 | 4,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $291,000 | 6,827 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $556,000 | 8,629 |
| Total interest expense | $112,000 | 8,851 |
| Net interest income | $444,000 | 8,387 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $43,000 | 8,517 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $38,000 | 7,025 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $5,000 | 8,823 |
| Total noninterest expense | $246,000 | 8,900 |
| Salaries and employee benefits | $181,000 | 8,581 |
| Premises and equipment expense | $25,000 | 8,820 |
| Additional noninterest expense | $40,000 | 9,131 |
| Pre-tax net operating income | $241,000 | 6,900 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $39,000 | 6,120 |
| Income before extraordinary items | $202,000 | 6,948 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $202,000 | 6,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,597 |
| Cash dividends | $56,000 | 4,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $202,000 | 6,759 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $280,000 | 8,684 |
| Total interest expense | $57,000 | 8,908 |
| Net interest income | $223,000 | 8,427 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $19,000 | 8,654 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $15,000 | 7,293 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $121,000 | 8,962 |
| Salaries and employee benefits | $90,000 | 8,635 |
| Premises and equipment expense | $10,000 | 8,968 |
| Additional noninterest expense | $21,000 | 9,166 |
| Pre-tax net operating income | $121,000 | 6,881 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $18,000 | 6,161 |
| Income before extraordinary items | $103,000 | 6,838 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $103,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,227 |
| Cash dividends | $56,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $103,000 | 6,674 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,231,000 | 8,655 |
| Total interest expense | $318,000 | 8,855 |
| Net interest income | $913,000 | 8,405 |
| Provision for loan and lease losses | $11,000 | 7,790 |
| Total noninterest income | $80,000 | 8,644 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $63,000 | 7,282 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $17,000 | 8,643 |
| Total noninterest expense | $591,000 | 8,791 |
| Salaries and employee benefits | $442,000 | 8,350 |
| Premises and equipment expense | $41,000 | 9,039 |
| Additional noninterest expense | $108,000 | 9,131 |
| Pre-tax net operating income | $391,000 | 7,201 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $97,000 | 5,991 |
| Income before extraordinary items | $294,000 | 7,349 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $294,000 | 7,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 6,791 |
| Cash dividends | $113,000 | 5,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $294,000 | 7,249 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,294,000 | 8,902 |
| Total interest expense | $500,000 | 9,015 |
| Net interest income | $794,000 | 8,679 |
| Provision for loan and lease losses | $2,000 | 8,184 |
| Total noninterest income | $87,000 | 8,689 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $68,000 | 7,211 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $19,000 | 8,776 |
| Total noninterest expense | $600,000 | 8,930 |
| Salaries and employee benefits | $448,000 | 8,407 |
| Premises and equipment expense | $66,000 | 8,862 |
| Additional noninterest expense | $86,000 | 9,447 |
| Pre-tax net operating income | $279,000 | 7,515 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $52,000 | 6,676 |
| Income before extraordinary items | $227,000 | 7,553 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $227,000 | 7,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $112,000 | 5,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $227,000 | 7,433 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,282,000 | 9,172 |
| Total interest expense | $467,000 | 9,311 |
| Net interest income | $815,000 | 8,865 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $80,000 | 8,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $63,000 | 7,329 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $537,000 | 9,305 |
| Salaries and employee benefits | $416,000 | 8,668 |
| Premises and equipment expense | $40,000 | 9,542 |
| Additional noninterest expense | $81,000 | 9,738 |
| Pre-tax net operating income | $358,000 | 7,650 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $82,000 | 6,764 |
| Income before extraordinary items | $276,000 | 7,624 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $276,000 | 7,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $113,000 | 5,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $276,000 | 7,628 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 9,381 |
| Total interest expense | $437,000 | 9,576 |
| Net interest income | $800,000 | 9,069 |
| Provision for loan and lease losses | $14,000 | 7,935 |
| Total noninterest income | $81,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,501 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $512,000 | 9,602 |
| Salaries and employee benefits | $390,000 | 8,942 |
| Premises and equipment expense | $30,000 | 9,973 |
| Additional noninterest expense | $92,000 | 9,977 |
| Pre-tax net operating income | $355,000 | 7,807 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $85,000 | 7,134 |
| Income before extraordinary items | $270,000 | 7,788 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $270,000 | 7,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,500 |
| Cash dividends | $75,000 | 6,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $270,000 | 7,765 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,231,000 | 9,617 |
| Total interest expense | $496,000 | 9,705 |
| Net interest income | $735,000 | 9,412 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $77,000 | 9,405 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 7,784 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,614 |
| Total noninterest expense | $523,000 | 9,697 |
| Salaries and employee benefits | $391,000 | 9,026 |
| Premises and equipment expense | $43,000 | 9,960 |
| Additional noninterest expense | $89,000 | 10,204 |
| Pre-tax net operating income | $289,000 | 8,462 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $56,000 | 8,229 |
| Income before extraordinary items | $233,000 | 8,365 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $233,000 | 8,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $75,000 | 6,560 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $233,000 | 8,294 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 10,017 |
| Total interest expense | $493,000 | 10,115 |
| Net interest income | $741,000 | 9,825 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $90,000 | 9,593 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $71,000 | 7,856 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 9,900 |
| Total noninterest expense | $502,000 | 10,123 |
| Salaries and employee benefits | $376,000 | 9,411 |
| Premises and equipment expense | $31,000 | 10,601 |
| Additional noninterest expense | $95,000 | 10,571 |
| Pre-tax net operating income | $329,000 | 8,827 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $84,000 | 8,688 |
| Income before extraordinary items | $245,000 | 8,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $245,000 | 8,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,408 |
| Cash dividends | $75,000 | 6,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $245,000 | 8,751 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,245,000 | 10,469 |
| Total interest expense | $522,000 | 10,530 |
| Net interest income | $723,000 | 10,318 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $92,000 | 10,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 8,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,581 |
| Total noninterest expense | $477,000 | 10,678 |
| Salaries and employee benefits | $348,000 | 9,978 |
| Premises and equipment expense | $30,000 | 11,136 |
| Additional noninterest expense | $99,000 | 11,096 |
| Pre-tax net operating income | $338,000 | 8,877 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $90,000 | 8,931 |
| Income before extraordinary items | $248,000 | 8,851 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $248,000 | 8,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 10,018 |
| Cash dividends | $75,000 | 7,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $248,000 | 8,786 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 10,934 |
| Total interest expense | $539,000 | 10,888 |
| Net interest income | $697,000 | 10,851 |
| Provision for loan and lease losses | $46,000 | 6,390 |
| Total noninterest income | $101,000 | 10,249 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $82,000 | 8,261 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 10,950 |
| Total noninterest expense | $451,000 | 11,235 |
| Salaries and employee benefits | $308,000 | 10,676 |
| Premises and equipment expense | $29,000 | 11,637 |
| Additional noninterest expense | $114,000 | 11,478 |
| Pre-tax net operating income | $301,000 | 9,731 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $90,000 | 9,389 |
| Income before extraordinary items | $220,000 | 9,719 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $220,000 | 9,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 10,558 |
| Cash dividends | $74,000 | 7,334 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $213,610 | 9,760 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,212,000 | 11,325 |
| Total interest expense | $435,000 | 11,413 |
| Net interest income | $777,000 | 11,126 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $115,000 | 10,409 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 8,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 11,564 |
| Total noninterest expense | $516,000 | 11,531 |
| Salaries and employee benefits | $360,000 | 10,644 |
| Premises and equipment expense | $40,000 | 11,980 |
| Additional noninterest expense | $116,000 | 12,155 |
| Pre-tax net operating income | $366,000 | 9,609 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $108,000 | 9,171 |
| Income before extraordinary items | $258,000 | 9,607 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $258,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,455 |
| Cash dividends | $75,000 | 7,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $258,000 | 9,664 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,277,000 | 11,738 |
| Total interest expense | $476,000 | 11,800 |
| Net interest income | $801,000 | 11,502 |
| Provision for loan and lease losses | $20,000 | 9,046 |
| Total noninterest income | $119,000 | 10,855 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $110,000 | 8,108 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 12,819 |
| Total noninterest expense | $463,000 | 12,346 |
| Salaries and employee benefits | $313,000 | 11,521 |
| Premises and equipment expense | $32,000 | 12,790 |
| Additional noninterest expense | $118,000 | 12,785 |
| Pre-tax net operating income | $437,000 | 9,120 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $145,000 | 8,762 |
| Income before extraordinary items | $293,000 | 9,568 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $293,000 | 9,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $75,000 | 7,397 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $292,330 | 9,313 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,337,000 | 12,311 |
| Total interest expense | $600,000 | 12,290 |
| Net interest income | $737,000 | 12,165 |
| Provision for loan and lease losses | $15,000 | 10,851 |
| Total noninterest income | $87,000 | 12,070 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 11,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $69,000 | 9,328 |
| Total noninterest expense | $449,000 | 12,902 |
| Salaries and employee benefits | $297,000 | 12,045 |
| Premises and equipment expense | $38,000 | 13,134 |
| Additional noninterest expense | $114,000 | 13,393 |
| Pre-tax net operating income | $360,000 | 9,582 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $118,000 | 9,428 |
| Income before extraordinary items | $242,000 | 10,022 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $242,000 | 10,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $68,000 | 7,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $242,000 | 9,662 |
* 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.