Home > Ohio Heritage Bank > Income and Expense
Ohio Heritage Bank, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,465,000 | 2,675 |
| Total interest expense | $1,129,000 | 1,309 |
| Net interest income | $3,336,000 | 3,016 |
| Provision for loan and lease losses | $0 | 4,196 |
| Total noninterest income | $521,000 | 3,031 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $100,000 | 3,941 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $421,000 | 2,551 |
| Total noninterest expense | $2,844,000 | 3,056 |
| Salaries and employee benefits | $1,517,000 | 3,092 |
| Premises and equipment expense | $462,000 | 2,432 |
| Additional noninterest expense | $865,000 | 3,218 |
| Pre-tax net operating income | $1,013,000 | 2,952 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $298,000 | 2,039 |
| Income before extraordinary items | $715,000 | 3,297 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $715,000 | 3,302 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $715,000 | 3,302 |
| Net charge-offs | $-23,000 | 5,932 |
| Cash dividends | $200,000 | 2,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $715,000 | 3,255 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,255,000 | 2,649 |
| Total interest expense | $573,000 | 1,310 |
| Net interest income | $1,682,000 | 3,008 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $262,000 | 2,991 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $52,000 | 3,853 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $210,000 | 2,484 |
| Total noninterest expense | $1,426,000 | 3,077 |
| Salaries and employee benefits | $764,000 | 3,095 |
| Premises and equipment expense | $236,000 | 2,425 |
| Additional noninterest expense | $426,000 | 3,267 |
| Pre-tax net operating income | $518,000 | 2,826 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $152,000 | 1,992 |
| Income before extraordinary items | $366,000 | 3,184 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $366,000 | 3,186 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $366,000 | 3,186 |
| Net charge-offs | $-2,000 | 5,011 |
| Cash dividends | $200,000 | 1,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $366,000 | 3,153 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,266,000 | 2,613 |
| Total interest expense | $2,489,000 | 1,364 |
| Net interest income | $6,777,000 | 2,980 |
| Provision for loan and lease losses | $20,000 | 4,711 |
| Total noninterest income | $1,161,000 | 2,959 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $208,000 | 4,031 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $953,000 | 2,447 |
| Total noninterest expense | $6,002,000 | 2,992 |
| Salaries and employee benefits | $3,086,000 | 3,039 |
| Premises and equipment expense | $915,000 | 2,427 |
| Additional noninterest expense | $2,001,000 | 2,962 |
| Pre-tax net operating income | $1,916,000 | 2,947 |
| Securities gains (losses) | $107,000 | 1,274 |
| Applicable income taxes | $599,000 | 1,972 |
| Income before extraordinary items | $1,424,000 | 3,253 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,424,000 | 3,255 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $1,424,000 | 3,256 |
| Net charge-offs | $80,000 | 3,957 |
| Cash dividends | $300,000 | 3,264 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $1,349,100 | 3,299 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $6,948,000 | 2,627 |
| Total interest expense | $1,896,000 | 1,389 |
| Net interest income | $5,052,000 | 3,009 |
| Provision for loan and lease losses | $20,000 | 4,484 |
| Total noninterest income | $893,000 | 2,968 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $153,000 | 4,100 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $740,000 | 2,438 |
| Total noninterest expense | $4,566,000 | 2,963 |
| Salaries and employee benefits | $2,347,000 | 3,045 |
| Premises and equipment expense | $693,000 | 2,431 |
| Additional noninterest expense | $1,526,000 | 2,947 |
| Pre-tax net operating income | $1,359,000 | 3,111 |
| Securities gains (losses) | $107,000 | 1,168 |
| Applicable income taxes | $435,000 | 2,052 |
| Income before extraordinary items | $1,031,000 | 3,368 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,031,000 | 3,371 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,031,000 | 3,372 |
| Net charge-offs | $86,000 | 3,402 |
| Cash dividends | $200,000 | 2,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $956,100 | 3,429 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,688,000 | 2,589 |
| Total interest expense | $1,283,000 | 1,392 |
| Net interest income | $3,405,000 | 2,981 |
| Provision for loan and lease losses | $20,000 | 4,231 |
| Total noninterest income | $625,000 | 2,942 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $99,000 | 4,133 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $526,000 | 2,406 |
| Total noninterest expense | $3,149,000 | 2,886 |
| Salaries and employee benefits | $1,592,000 | 3,033 |
| Premises and equipment expense | $460,000 | 2,446 |
| Additional noninterest expense | $1,097,000 | 2,749 |
| Pre-tax net operating income | $861,000 | 3,190 |
| Securities gains (losses) | $107,000 | 1,068 |
| Applicable income taxes | $289,000 | 2,059 |
| Income before extraordinary items | $679,000 | 3,379 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $679,000 | 3,380 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $679,000 | 3,382 |
| Net charge-offs | $12,000 | 4,240 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $604,100 | 3,491 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,373,000 | 2,574 |
| Total interest expense | $655,000 | 1,418 |
| Net interest income | $1,718,000 | 2,961 |
| Provision for loan and lease losses | $20,000 | 3,573 |
| Total noninterest income | $277,000 | 3,107 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $48,000 | 4,162 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $229,000 | 2,578 |
| Total noninterest expense | $1,687,000 | 2,744 |
| Salaries and employee benefits | $820,000 | 2,995 |
| Premises and equipment expense | $231,000 | 2,458 |
| Additional noninterest expense | $636,000 | 2,415 |
| Pre-tax net operating income | $288,000 | 3,872 |
| Securities gains (losses) | $105,000 | 664 |
| Applicable income taxes | $111,000 | 2,295 |
| Income before extraordinary items | $282,000 | 3,683 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $282,000 | 3,683 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $282,000 | 3,685 |
| Net charge-offs | $24,000 | 2,949 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $206,400 | 4,122 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,512,000 | 2,450 |
| Total interest expense | $3,158,000 | 1,412 |
| Net interest income | $7,354,000 | 2,864 |
| Provision for loan and lease losses | $425,000 | 2,942 |
| Total noninterest income | $1,222,000 | 2,931 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $214,000 | 4,134 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $1,008,000 | 2,359 |
| Total noninterest expense | $6,077,000 | 3,000 |
| Salaries and employee benefits | $3,143,000 | 3,027 |
| Premises and equipment expense | $906,000 | 2,474 |
| Additional noninterest expense | $2,028,000 | 3,067 |
| Pre-tax net operating income | $2,074,000 | 2,746 |
| Securities gains (losses) | $40,000 | 2,851 |
| Applicable income taxes | $610,000 | 1,980 |
| Income before extraordinary items | $1,504,000 | 3,122 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,504,000 | 3,121 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,504,000 | 3,121 |
| Net charge-offs | $255,000 | 3,501 |
| Cash dividends | $100,000 | 3,971 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,475,600 | 3,020 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,979,000 | 2,467 |
| Total interest expense | $2,450,000 | 1,425 |
| Net interest income | $5,529,000 | 2,894 |
| Provision for loan and lease losses | $355,000 | 2,749 |
| Total noninterest income | $943,000 | 2,893 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $157,000 | 4,225 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $786,000 | 2,296 |
| Total noninterest expense | $4,555,000 | 3,020 |
| Salaries and employee benefits | $2,348,000 | 3,059 |
| Premises and equipment expense | $683,000 | 2,483 |
| Additional noninterest expense | $1,524,000 | 3,075 |
| Pre-tax net operating income | $1,562,000 | 2,806 |
| Securities gains (losses) | $40,000 | 2,560 |
| Applicable income taxes | $464,000 | 2,021 |
| Income before extraordinary items | $1,138,000 | 3,178 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,138,000 | 3,177 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,138,000 | 3,176 |
| Net charge-offs | $238,000 | 3,097 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,109,600 | 3,084 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,374,000 | 2,461 |
| Total interest expense | $1,682,000 | 1,433 |
| Net interest income | $3,692,000 | 2,902 |
| Provision for loan and lease losses | $265,000 | 2,606 |
| Total noninterest income | $641,000 | 2,814 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $103,000 | 4,247 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $538,000 | 2,242 |
| Total noninterest expense | $3,062,000 | 3,006 |
| Salaries and employee benefits | $1,549,000 | 3,100 |
| Premises and equipment expense | $459,000 | 2,481 |
| Additional noninterest expense | $1,054,000 | 2,992 |
| Pre-tax net operating income | $1,006,000 | 2,831 |
| Securities gains (losses) | $40,000 | 2,188 |
| Applicable income taxes | $302,000 | 2,049 |
| Income before extraordinary items | $744,000 | 3,199 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $744,000 | 3,197 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $744,000 | 3,199 |
| Net charge-offs | $201,000 | 2,748 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $715,600 | 3,110 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,755,000 | 2,433 |
| Total interest expense | $871,000 | 1,446 |
| Net interest income | $1,884,000 | 2,856 |
| Provision for loan and lease losses | $200,000 | 1,993 |
| Total noninterest income | $305,000 | 2,926 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $50,000 | 4,284 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $255,000 | 2,321 |
| Total noninterest expense | $1,593,000 | 2,911 |
| Salaries and employee benefits | $765,000 | 3,127 |
| Premises and equipment expense | $221,000 | 2,575 |
| Additional noninterest expense | $607,000 | 2,636 |
| Pre-tax net operating income | $396,000 | 3,320 |
| Securities gains (losses) | $22,000 | 1,558 |
| Applicable income taxes | $116,000 | 2,299 |
| Income before extraordinary items | $302,000 | 3,643 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $302,000 | 3,646 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $302,000 | 3,646 |
| Net charge-offs | $170,000 | 1,984 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $286,160 | 3,560 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,766,000 | 2,360 |
| Total interest expense | $4,269,000 | 1,420 |
| Net interest income | $7,497,000 | 2,895 |
| Provision for loan and lease losses | $601,000 | 3,155 |
| Total noninterest income | $1,317,000 | 2,641 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $217,000 | 4,234 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,100,000 | 2,003 |
| Total noninterest expense | $6,675,000 | 2,770 |
| Salaries and employee benefits | $3,048,000 | 3,081 |
| Premises and equipment expense | $924,000 | 2,577 |
| Additional noninterest expense | $2,703,000 | 2,437 |
| Pre-tax net operating income | $1,538,000 | 2,984 |
| Securities gains (losses) | $4,000 | 3,534 |
| Applicable income taxes | $377,000 | 2,304 |
| Income before extraordinary items | $1,165,000 | 3,253 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,165,000 | 3,256 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $1,165,000 | 3,256 |
| Net charge-offs | $437,000 | 3,332 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $1,161,960 | 3,167 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,818,000 | 2,396 |
| Total interest expense | $3,321,000 | 1,422 |
| Net interest income | $5,497,000 | 2,960 |
| Provision for loan and lease losses | $421,000 | 3,145 |
| Total noninterest income | $1,002,000 | 2,619 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $157,000 | 4,320 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $845,000 | 1,961 |
| Total noninterest expense | $5,061,000 | 2,747 |
| Salaries and employee benefits | $2,246,000 | 3,136 |
| Premises and equipment expense | $707,000 | 2,546 |
| Additional noninterest expense | $2,108,000 | 2,347 |
| Pre-tax net operating income | $1,017,000 | 3,283 |
| Securities gains (losses) | $9,000 | 3,085 |
| Applicable income taxes | $230,000 | 2,534 |
| Income before extraordinary items | $796,000 | 3,530 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $796,000 | 3,532 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $796,000 | 3,532 |
| Net charge-offs | $355,000 | 3,051 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $788,980 | 3,426 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,904,000 | 2,403 |
| Total interest expense | $2,297,000 | 1,426 |
| Net interest income | $3,607,000 | 2,999 |
| Provision for loan and lease losses | $335,000 | 2,820 |
| Total noninterest income | $726,000 | 2,479 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $103,000 | 4,331 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $623,000 | 1,823 |
| Total noninterest expense | $3,435,000 | 2,729 |
| Salaries and employee benefits | $1,465,000 | 3,198 |
| Premises and equipment expense | $483,000 | 2,517 |
| Additional noninterest expense | $1,487,000 | 2,254 |
| Pre-tax net operating income | $563,000 | 3,586 |
| Securities gains (losses) | $9,000 | 2,392 |
| Applicable income taxes | $106,000 | 2,829 |
| Income before extraordinary items | $466,000 | 3,716 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $466,000 | 3,717 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $466,000 | 3,718 |
| Net charge-offs | $330,000 | 2,583 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $458,710 | 3,643 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,963,000 | 2,405 |
| Total interest expense | $1,179,000 | 1,444 |
| Net interest income | $1,784,000 | 3,018 |
| Provision for loan and lease losses | $285,000 | 2,060 |
| Total noninterest income | $389,000 | 2,395 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $51,000 | 4,310 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $338,000 | 1,767 |
| Total noninterest expense | $1,803,000 | 2,632 |
| Salaries and employee benefits | $702,000 | 3,324 |
| Premises and equipment expense | $256,000 | 2,441 |
| Additional noninterest expense | $845,000 | 2,002 |
| Pre-tax net operating income | $85,000 | 5,320 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-16,000 | 7,057 |
| Income before extraordinary items | $101,000 | 4,998 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $101,000 | 4,996 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $101,000 | 4,998 |
| Net charge-offs | $288,000 | 1,794 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $101,000 | 4,934 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,574,000 | 2,391 |
| Total interest expense | $5,790,000 | 1,437 |
| Net interest income | $6,784,000 | 3,152 |
| Provision for loan and lease losses | $1,734,000 | 2,266 |
| Total noninterest income | $1,138,000 | 2,998 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $270,000 | 3,849 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $868,000 | 2,387 |
| Total noninterest expense | $6,316,000 | 2,983 |
| Salaries and employee benefits | $2,910,000 | 3,202 |
| Premises and equipment expense | $883,000 | 2,745 |
| Additional noninterest expense | $2,523,000 | 2,668 |
| Pre-tax net operating income | $-128,000 | 5,969 |
| Securities gains (losses) | $217,000 | 1,524 |
| Applicable income taxes | $-62,000 | 6,749 |
| Income before extraordinary items | $151,000 | 5,446 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $151,000 | 5,445 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $151,000 | 5,447 |
| Net charge-offs | $1,492,000 | 2,188 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-66,000 | 5,952 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,489,000 | 2,434 |
| Total interest expense | $4,475,000 | 1,448 |
| Net interest income | $5,014,000 | 3,238 |
| Provision for loan and lease losses | $1,210,000 | 2,263 |
| Total noninterest income | $833,000 | 3,070 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $201,000 | 3,937 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $632,000 | 2,410 |
| Total noninterest expense | $4,788,000 | 2,947 |
| Salaries and employee benefits | $2,180,000 | 3,226 |
| Premises and equipment expense | $668,000 | 2,776 |
| Additional noninterest expense | $1,940,000 | 2,548 |
| Pre-tax net operating income | $-151,000 | 6,243 |
| Securities gains (losses) | $215,000 | 1,319 |
| Applicable income taxes | $-44,000 | 6,958 |
| Income before extraordinary items | $108,000 | 5,692 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $108,000 | 5,694 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $108,000 | 5,694 |
| Net charge-offs | $951,000 | 2,248 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-107,000 | 6,217 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,310,000 | 2,461 |
| Total interest expense | $3,034,000 | 1,475 |
| Net interest income | $3,276,000 | 3,291 |
| Provision for loan and lease losses | $804,000 | 2,172 |
| Total noninterest income | $588,000 | 2,913 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $144,000 | 3,771 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $444,000 | 2,261 |
| Total noninterest expense | $3,115,000 | 3,017 |
| Salaries and employee benefits | $1,460,000 | 3,214 |
| Premises and equipment expense | $446,000 | 2,786 |
| Additional noninterest expense | $1,209,000 | 2,701 |
| Pre-tax net operating income | $-55,000 | 6,189 |
| Securities gains (losses) | $84,000 | 1,538 |
| Applicable income taxes | $-34,000 | 7,024 |
| Income before extraordinary items | $63,000 | 5,798 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $63,000 | 5,800 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $63,000 | 5,799 |
| Net charge-offs | $604,000 | 2,231 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-21,000 | 6,141 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,143,000 | 2,526 |
| Total interest expense | $1,531,000 | 1,543 |
| Net interest income | $1,612,000 | 3,359 |
| Provision for loan and lease losses | $414,000 | 2,034 |
| Total noninterest income | $297,000 | 2,885 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $65,000 | 3,983 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $232,000 | 2,177 |
| Total noninterest expense | $1,549,000 | 3,068 |
| Salaries and employee benefits | $734,000 | 3,248 |
| Premises and equipment expense | $77,000 | 5,536 |
| Additional noninterest expense | $738,000 | 2,289 |
| Pre-tax net operating income | $-54,000 | 6,515 |
| Securities gains (losses) | $70,000 | 968 |
| Applicable income taxes | $-16,000 | 7,157 |
| Income before extraordinary items | $32,000 | 5,964 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $32,000 | 5,966 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $32,000 | 5,964 |
| Net charge-offs | $217,000 | 2,344 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-38,000 | 6,489 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,961,000 | 2,558 |
| Total interest expense | $6,304,000 | 1,848 |
| Net interest income | $6,657,000 | 3,177 |
| Provision for loan and lease losses | $1,750,000 | 2,663 |
| Total noninterest income | $1,129,000 | 3,106 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $322,000 | 3,754 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $807,000 | 2,445 |
| Total noninterest expense | $6,287,000 | 3,065 |
| Salaries and employee benefits | $2,934,000 | 3,244 |
| Premises and equipment expense | $810,000 | 3,100 |
| Additional noninterest expense | $2,543,000 | 2,704 |
| Pre-tax net operating income | $-251,000 | 5,762 |
| Securities gains (losses) | $177,000 | 1,646 |
| Applicable income taxes | $-117,000 | 6,613 |
| Income before extraordinary items | $43,000 | 5,371 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $43,000 | 5,370 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $43,000 | 5,370 |
| Net charge-offs | $1,315,000 | 2,530 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-70,280 | 5,637 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $9,728,000 | 2,604 |
| Total interest expense | $4,758,000 | 1,913 |
| Net interest income | $4,970,000 | 3,209 |
| Provision for loan and lease losses | $1,495,000 | 2,227 |
| Total noninterest income | $828,000 | 3,200 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $231,000 | 3,847 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $597,000 | 2,532 |
| Total noninterest expense | $4,731,000 | 3,066 |
| Salaries and employee benefits | $2,167,000 | 3,324 |
| Premises and equipment expense | $601,000 | 3,161 |
| Additional noninterest expense | $1,963,000 | 2,615 |
| Pre-tax net operating income | $-428,000 | 6,261 |
| Securities gains (losses) | $176,000 | 1,386 |
| Applicable income taxes | $-153,000 | 7,037 |
| Income before extraordinary items | $-99,000 | 5,975 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-99,000 | 5,975 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-99,000 | 5,975 |
| Net charge-offs | $1,274,000 | 1,942 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-211,640 | 6,102 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,474,000 | 2,633 |
| Total interest expense | $3,186,000 | 1,989 |
| Net interest income | $3,288,000 | 3,212 |
| Provision for loan and lease losses | $1,010,000 | 2,051 |
| Total noninterest income | $508,000 | 3,389 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $157,000 | 3,789 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $351,000 | 2,736 |
| Total noninterest expense | $3,171,000 | 3,072 |
| Salaries and employee benefits | $1,439,000 | 3,355 |
| Premises and equipment expense | $388,000 | 3,263 |
| Additional noninterest expense | $1,344,000 | 2,570 |
| Pre-tax net operating income | $-385,000 | 6,524 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $-175,000 | 7,278 |
| Income before extraordinary items | $-209,000 | 6,393 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-209,000 | 6,392 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-209,000 | 6,392 |
| Net charge-offs | $756,000 | 1,898 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-209,640 | 6,381 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,230,000 | 2,669 |
| Total interest expense | $1,615,000 | 2,037 |
| Net interest income | $1,615,000 | 3,243 |
| Provision for loan and lease losses | $830,000 | 1,316 |
| Total noninterest income | $190,000 | 3,918 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $76,000 | 3,809 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $114,000 | 3,441 |
| Total noninterest expense | $1,588,000 | 2,987 |
| Salaries and employee benefits | $715,000 | 3,400 |
| Premises and equipment expense | $200,000 | 3,224 |
| Additional noninterest expense | $673,000 | 2,304 |
| Pre-tax net operating income | $-613,000 | 7,426 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-230,000 | 7,744 |
| Income before extraordinary items | $-383,000 | 7,312 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-383,000 | 7,313 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-383,000 | 7,313 |
| Net charge-offs | $462,000 | 1,417 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-383,000 | 7,276 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,649,000 | 2,706 |
| Total interest expense | $7,099,000 | 2,180 |
| Net interest income | $6,550,000 | 3,239 |
| Provision for loan and lease losses | $640,000 | 3,383 |
| Total noninterest income | $1,190,000 | 3,057 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $342,000 | 3,768 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $848,000 | 2,379 |
| Total noninterest expense | $5,728,000 | 3,212 |
| Salaries and employee benefits | $3,086,000 | 3,169 |
| Premises and equipment expense | $700,000 | 3,514 |
| Additional noninterest expense | $1,942,000 | 2,936 |
| Pre-tax net operating income | $1,372,000 | 3,174 |
| Securities gains (losses) | $6,000 | 2,702 |
| Applicable income taxes | $370,000 | 2,163 |
| Income before extraordinary items | $1,008,000 | 3,274 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,008,000 | 3,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 3,867 |
| Cash dividends | $600,000 | 3,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,003,620 | 3,434 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,292,000 | 2,747 |
| Total interest expense | $5,384,000 | 2,236 |
| Net interest income | $4,908,000 | 3,275 |
| Provision for loan and lease losses | $415,000 | 3,017 |
| Total noninterest income | $889,000 | 3,134 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $262,000 | 3,753 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $627,000 | 2,470 |
| Total noninterest expense | $4,199,000 | 3,258 |
| Salaries and employee benefits | $2,299,000 | 3,217 |
| Premises and equipment expense | $519,000 | 3,554 |
| Additional noninterest expense | $1,381,000 | 2,978 |
| Pre-tax net operating income | $1,183,000 | 3,346 |
| Securities gains (losses) | $6,000 | 2,568 |
| Applicable income taxes | $326,000 | 2,369 |
| Income before extraordinary items | $863,000 | 3,416 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $863,000 | 3,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 3,218 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $858,620 | 3,561 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,889,000 | 2,769 |
| Total interest expense | $3,624,000 | 2,303 |
| Net interest income | $3,265,000 | 3,264 |
| Provision for loan and lease losses | $270,000 | 2,708 |
| Total noninterest income | $597,000 | 3,152 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $177,000 | 3,726 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $420,000 | 2,513 |
| Total noninterest expense | $2,782,000 | 3,287 |
| Salaries and employee benefits | $1,530,000 | 3,275 |
| Premises and equipment expense | $337,000 | 3,638 |
| Additional noninterest expense | $915,000 | 2,972 |
| Pre-tax net operating income | $810,000 | 3,405 |
| Securities gains (losses) | $6,000 | 2,681 |
| Applicable income taxes | $218,000 | 2,575 |
| Income before extraordinary items | $598,000 | 3,654 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $598,000 | 3,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $181,000 | 2,340 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $593,620 | 3,609 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,493,000 | 2,792 |
| Total interest expense | $1,829,000 | 2,420 |
| Net interest income | $1,664,000 | 3,208 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $294,000 | 3,177 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $88,000 | 3,708 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $206,000 | 2,524 |
| Total noninterest expense | $1,391,000 | 3,284 |
| Salaries and employee benefits | $761,000 | 3,313 |
| Premises and equipment expense | $173,000 | 3,598 |
| Additional noninterest expense | $457,000 | 2,934 |
| Pre-tax net operating income | $417,000 | 3,455 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $102,000 | 2,776 |
| Income before extraordinary items | $316,000 | 3,679 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $316,000 | 3,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 1,392 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $315,240 | 3,603 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,891,000 | 2,883 |
| Total interest expense | $7,103,000 | 2,588 |
| Net interest income | $6,788,000 | 3,175 |
| Provision for loan and lease losses | $770,000 | 1,718 |
| Total noninterest income | $1,355,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $374,000 | 3,653 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $981,000 | 2,243 |
| Total noninterest expense | $5,577,000 | 3,159 |
| Salaries and employee benefits | $3,132,000 | 3,115 |
| Premises and equipment expense | $651,000 | 3,626 |
| Additional noninterest expense | $1,794,000 | 2,935 |
| Pre-tax net operating income | $1,796,000 | 3,553 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $549,000 | 2,616 |
| Income before extraordinary items | $1,247,000 | 3,862 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,247,000 | 3,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,810 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,247,000 | 3,852 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,251,000 | 2,919 |
| Total interest expense | $5,231,000 | 2,630 |
| Net interest income | $5,020,000 | 3,218 |
| Provision for loan and lease losses | $724,000 | 1,178 |
| Total noninterest income | $1,010,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $277,000 | 3,675 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $733,000 | 2,246 |
| Total noninterest expense | $4,161,000 | 3,138 |
| Salaries and employee benefits | $2,312,000 | 3,140 |
| Premises and equipment expense | $595,000 | 3,086 |
| Additional noninterest expense | $1,254,000 | 3,067 |
| Pre-tax net operating income | $1,145,000 | 4,055 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $347,000 | 2,993 |
| Income before extraordinary items | $798,000 | 4,355 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $798,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,247 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $798,000 | 4,349 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,744,000 | 2,976 |
| Total interest expense | $3,430,000 | 2,666 |
| Net interest income | $3,314,000 | 3,273 |
| Provision for loan and lease losses | $714,000 | 769 |
| Total noninterest income | $666,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $186,000 | 3,662 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $480,000 | 2,315 |
| Total noninterest expense | $2,805,000 | 3,129 |
| Salaries and employee benefits | $1,545,000 | 3,166 |
| Premises and equipment expense | $399,000 | 3,096 |
| Additional noninterest expense | $861,000 | 2,992 |
| Pre-tax net operating income | $461,000 | 5,212 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $134,000 | 3,788 |
| Income before extraordinary items | $327,000 | 5,471 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $327,000 | 5,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 2,104 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $327,000 | 5,461 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,308,000 | 3,015 |
| Total interest expense | $1,692,000 | 2,689 |
| Net interest income | $1,616,000 | 3,336 |
| Provision for loan and lease losses | $681,000 | 400 |
| Total noninterest income | $308,000 | 3,061 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $94,000 | 3,579 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $214,000 | 2,443 |
| Total noninterest expense | $1,499,000 | 2,987 |
| Salaries and employee benefits | $810,000 | 3,055 |
| Premises and equipment expense | $213,000 | 2,959 |
| Additional noninterest expense | $476,000 | 2,725 |
| Pre-tax net operating income | $-256,000 | 8,363 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-88,000 | 8,499 |
| Income before extraordinary items | $-168,000 | 8,291 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-168,000 | 8,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,512 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-168,000 | 8,280 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,282,000 | 3,021 |
| Total interest expense | $5,948,000 | 2,622 |
| Net interest income | $6,334,000 | 3,382 |
| Provision for loan and lease losses | $450,000 | 2,064 |
| Total noninterest income | $1,478,000 | 2,722 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $431,000 | 3,380 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,047,000 | 2,158 |
| Total noninterest expense | $4,912,000 | 3,397 |
| Salaries and employee benefits | $2,581,000 | 3,532 |
| Premises and equipment expense | $659,000 | 3,498 |
| Additional noninterest expense | $1,672,000 | 3,010 |
| Pre-tax net operating income | $2,450,000 | 3,171 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $736,000 | 2,597 |
| Income before extraordinary items | $1,714,000 | 3,472 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,714,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,408 |
| Cash dividends | $450,000 | 3,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,714,000 | 3,455 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,974,000 | 3,074 |
| Total interest expense | $4,240,000 | 2,647 |
| Net interest income | $4,734,000 | 3,416 |
| Provision for loan and lease losses | $425,000 | 1,613 |
| Total noninterest income | $1,147,000 | 2,676 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $317,000 | 3,446 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $830,000 | 2,075 |
| Total noninterest expense | $3,582,000 | 3,469 |
| Salaries and employee benefits | $1,868,000 | 3,626 |
| Premises and equipment expense | $464,000 | 3,683 |
| Additional noninterest expense | $1,250,000 | 3,012 |
| Pre-tax net operating income | $1,874,000 | 3,250 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $558,000 | 2,706 |
| Income before extraordinary items | $1,316,000 | 3,511 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,316,000 | 3,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 1,811 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,316,000 | 3,495 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,789,000 | 3,124 |
| Total interest expense | $2,704,000 | 2,653 |
| Net interest income | $3,085,000 | 3,473 |
| Provision for loan and lease losses | $365,000 | 1,251 |
| Total noninterest income | $805,000 | 2,583 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $200,000 | 3,543 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $605,000 | 1,946 |
| Total noninterest expense | $2,293,000 | 3,585 |
| Salaries and employee benefits | $1,176,000 | 3,797 |
| Premises and equipment expense | $282,000 | 3,959 |
| Additional noninterest expense | $835,000 | 3,012 |
| Pre-tax net operating income | $1,232,000 | 3,303 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $355,000 | 2,806 |
| Income before extraordinary items | $877,000 | 3,510 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $877,000 | 3,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,027 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $877,000 | 3,495 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,825,000 | 3,134 |
| Total interest expense | $1,288,000 | 2,654 |
| Net interest income | $1,537,000 | 3,475 |
| Provision for loan and lease losses | $343,000 | 701 |
| Total noninterest income | $493,000 | 2,208 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $93,000 | 3,634 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $400,000 | 1,581 |
| Total noninterest expense | $1,088,000 | 3,759 |
| Salaries and employee benefits | $542,000 | 4,052 |
| Premises and equipment expense | $124,000 | 4,331 |
| Additional noninterest expense | $422,000 | 2,973 |
| Pre-tax net operating income | $599,000 | 3,315 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $154,000 | 2,999 |
| Income before extraordinary items | $445,000 | 3,435 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $445,000 | 3,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 1,171 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $445,000 | 3,413 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,241,000 | 3,092 |
| Total interest expense | $4,634,000 | 2,364 |
| Net interest income | $5,607,000 | 3,631 |
| Provision for loan and lease losses | $283,000 | 2,962 |
| Total noninterest income | $930,000 | 3,731 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $400,000 | 3,551 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $530,000 | 3,265 |
| Total noninterest expense | $3,943,000 | 3,903 |
| Salaries and employee benefits | $2,058,000 | 4,045 |
| Premises and equipment expense | $464,000 | 4,402 |
| Additional noninterest expense | $1,421,000 | 3,368 |
| Pre-tax net operating income | $2,311,000 | 3,333 |
| Securities gains (losses) | $-304,000 | 8,658 |
| Applicable income taxes | $573,000 | 3,152 |
| Income before extraordinary items | $1,434,000 | 3,892 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,434,000 | 3,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 1,880 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,649,840 | 3,531 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,473,000 | 3,115 |
| Total interest expense | $3,360,000 | 2,318 |
| Net interest income | $4,113,000 | 3,675 |
| Provision for loan and lease losses | $223,000 | 2,789 |
| Total noninterest income | $660,000 | 3,854 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $292,000 | 3,620 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $368,000 | 3,425 |
| Total noninterest expense | $2,910,000 | 3,922 |
| Salaries and employee benefits | $1,517,000 | 4,055 |
| Premises and equipment expense | $352,000 | 4,350 |
| Additional noninterest expense | $1,041,000 | 3,404 |
| Pre-tax net operating income | $1,640,000 | 3,525 |
| Securities gains (losses) | $-304,000 | 8,759 |
| Applicable income taxes | $384,000 | 3,396 |
| Income before extraordinary items | $952,000 | 4,304 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $952,000 | 4,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 1,628 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,167,840 | 3,707 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,870,000 | 3,113 |
| Total interest expense | $2,171,000 | 2,256 |
| Net interest income | $2,699,000 | 3,692 |
| Provision for loan and lease losses | $153,000 | 2,583 |
| Total noninterest income | $400,000 | 4,049 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $182,000 | 3,722 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $218,000 | 3,620 |
| Total noninterest expense | $1,900,000 | 3,969 |
| Salaries and employee benefits | $1,001,000 | 4,081 |
| Premises and equipment expense | $233,000 | 4,340 |
| Additional noninterest expense | $666,000 | 3,488 |
| Pre-tax net operating income | $1,046,000 | 3,593 |
| Securities gains (losses) | $-304,000 | 8,797 |
| Applicable income taxes | $192,000 | 3,849 |
| Income before extraordinary items | $550,000 | 4,644 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $550,000 | 4,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 1,569 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $774,960 | 3,658 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,386,000 | 3,109 |
| Total interest expense | $1,070,000 | 2,194 |
| Net interest income | $1,316,000 | 3,769 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $189,000 | 4,121 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $90,000 | 3,686 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $99,000 | 3,751 |
| Total noninterest expense | $901,000 | 4,162 |
| Salaries and employee benefits | $468,000 | 4,301 |
| Premises and equipment expense | $124,000 | 4,218 |
| Additional noninterest expense | $309,000 | 3,724 |
| Pre-tax net operating income | $554,000 | 3,414 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $137,000 | 3,245 |
| Income before extraordinary items | $416,000 | 3,524 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $416,000 | 3,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 1,360 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $416,750 | 3,485 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,357,000 | 3,004 |
| Total interest expense | $3,966,000 | 2,050 |
| Net interest income | $5,391,000 | 3,586 |
| Provision for loan and lease losses | $100,000 | 4,964 |
| Total noninterest income | $808,000 | 4,028 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $323,000 | 4,154 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $485,000 | 3,364 |
| Total noninterest expense | $3,723,000 | 3,970 |
| Salaries and employee benefits | $1,964,000 | 4,053 |
| Premises and equipment expense | $406,000 | 4,712 |
| Additional noninterest expense | $1,353,000 | 3,405 |
| Pre-tax net operating income | $2,376,000 | 3,124 |
| Securities gains (losses) | $183,000 | 871 |
| Applicable income taxes | $746,000 | 2,636 |
| Income before extraordinary items | $1,813,000 | 3,170 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,813,000 | 3,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 2,194 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,683,070 | 3,276 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,935,000 | 2,999 |
| Total interest expense | $2,939,000 | 2,033 |
| Net interest income | $3,996,000 | 3,603 |
| Provision for loan and lease losses | $90,000 | 4,429 |
| Total noninterest income | $648,000 | 3,897 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $227,000 | 4,321 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $421,000 | 3,108 |
| Total noninterest expense | $2,805,000 | 3,916 |
| Salaries and employee benefits | $1,453,000 | 4,058 |
| Premises and equipment expense | $290,000 | 4,862 |
| Additional noninterest expense | $1,062,000 | 3,246 |
| Pre-tax net operating income | $1,749,000 | 3,211 |
| Securities gains (losses) | $183,000 | 805 |
| Applicable income taxes | $590,000 | 2,594 |
| Income before extraordinary items | $1,342,000 | 3,257 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,342,000 | 3,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,856 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,215,730 | 3,427 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,600,000 | 3,005 |
| Total interest expense | $1,930,000 | 2,045 |
| Net interest income | $2,670,000 | 3,584 |
| Provision for loan and lease losses | $45,000 | 4,838 |
| Total noninterest income | $460,000 | 3,768 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $152,000 | 4,303 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $308,000 | 2,942 |
| Total noninterest expense | $1,909,000 | 3,881 |
| Salaries and employee benefits | $984,000 | 4,037 |
| Premises and equipment expense | $216,000 | 4,527 |
| Additional noninterest expense | $709,000 | 3,265 |
| Pre-tax net operating income | $1,176,000 | 3,162 |
| Securities gains (losses) | $120,000 | 922 |
| Applicable income taxes | $404,000 | 2,539 |
| Income before extraordinary items | $892,000 | 3,245 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $892,000 | 3,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 1,630 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $809,200 | 3,410 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,302,000 | 3,011 |
| Total interest expense | $958,000 | 2,087 |
| Net interest income | $1,344,000 | 3,557 |
| Provision for loan and lease losses | $30,000 | 4,060 |
| Total noninterest income | $227,000 | 3,744 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $74,000 | 4,298 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $153,000 | 2,914 |
| Total noninterest expense | $1,008,000 | 3,737 |
| Salaries and employee benefits | $496,000 | 4,030 |
| Premises and equipment expense | $114,000 | 4,394 |
| Additional noninterest expense | $398,000 | 2,932 |
| Pre-tax net operating income | $533,000 | 3,365 |
| Securities gains (losses) | $87,000 | 881 |
| Applicable income taxes | $191,000 | 2,647 |
| Income before extraordinary items | $429,000 | 3,322 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $429,000 | 3,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $368,970 | 3,606 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,386,000 | 2,998 |
| Total interest expense | $4,125,000 | 2,157 |
| Net interest income | $5,261,000 | 3,554 |
| Provision for loan and lease losses | $220,000 | 3,843 |
| Total noninterest income | $832,000 | 4,137 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $336,000 | 4,048 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $496,000 | 3,597 |
| Total noninterest expense | $3,439,000 | 4,174 |
| Salaries and employee benefits | $1,777,000 | 4,304 |
| Premises and equipment expense | $408,000 | 4,675 |
| Additional noninterest expense | $1,254,000 | 3,604 |
| Pre-tax net operating income | $2,434,000 | 2,951 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $764,000 | 2,618 |
| Income before extraordinary items | $1,670,000 | 3,284 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,670,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,971 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,670,000 | 3,133 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,074,000 | 3,030 |
| Total interest expense | $3,154,000 | 2,197 |
| Net interest income | $3,920,000 | 3,582 |
| Provision for loan and lease losses | $175,000 | 3,642 |
| Total noninterest income | $626,000 | 4,187 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $258,000 | 4,013 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $368,000 | 3,689 |
| Total noninterest expense | $2,514,000 | 4,248 |
| Salaries and employee benefits | $1,309,000 | 4,349 |
| Premises and equipment expense | $284,000 | 4,909 |
| Additional noninterest expense | $921,000 | 3,645 |
| Pre-tax net operating income | $1,857,000 | 3,003 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $585,000 | 2,720 |
| Income before extraordinary items | $1,272,000 | 3,347 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,272,000 | 3,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,556 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,272,000 | 3,181 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,734,000 | 3,042 |
| Total interest expense | $2,153,000 | 2,214 |
| Net interest income | $2,581,000 | 3,612 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $414,000 | 4,168 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $173,000 | 3,955 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $241,000 | 3,691 |
| Total noninterest expense | $1,692,000 | 4,209 |
| Salaries and employee benefits | $872,000 | 4,345 |
| Premises and equipment expense | $181,000 | 5,036 |
| Additional noninterest expense | $639,000 | 3,514 |
| Pre-tax net operating income | $1,183,000 | 3,117 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $373,000 | 2,826 |
| Income before extraordinary items | $810,000 | 3,481 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $810,000 | 3,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,057 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $810,000 | 3,291 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 3,071 |
| Total interest expense | $1,085,000 | 2,247 |
| Net interest income | $1,270,000 | 3,648 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $193,000 | 4,257 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $87,000 | 3,880 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $106,000 | 3,823 |
| Total noninterest expense | $940,000 | 3,849 |
| Salaries and employee benefits | $458,000 | 4,189 |
| Premises and equipment expense | $105,000 | 4,559 |
| Additional noninterest expense | $377,000 | 3,000 |
| Pre-tax net operating income | $418,000 | 3,934 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $131,000 | 3,466 |
| Income before extraordinary items | $287,000 | 4,366 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $287,000 | 4,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,327 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $287,000 | 4,176 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,389,000 | 3,189 |
| Total interest expense | $4,607,000 | 2,414 |
| Net interest income | $4,782,000 | 3,793 |
| Provision for loan and lease losses | $395,000 | 2,878 |
| Total noninterest income | $761,000 | 4,120 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $335,000 | 3,987 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $426,000 | 3,586 |
| Total noninterest expense | $2,988,000 | 4,474 |
| Salaries and employee benefits | $1,517,000 | 4,659 |
| Premises and equipment expense | $360,000 | 4,992 |
| Additional noninterest expense | $1,111,000 | 3,845 |
| Pre-tax net operating income | $2,160,000 | 3,256 |
| Securities gains (losses) | $43,000 | 2,542 |
| Applicable income taxes | $710,000 | 2,812 |
| Income before extraordinary items | $1,493,000 | 3,520 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,493,000 | 3,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,999 |
| Cash dividends | $300,000 | 4,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,463,760 | 3,465 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,962,000 | 3,662 |
| Total interest expense | $5,106,000 | 3,096 |
| Net interest income | $3,856,000 | 4,237 |
| Provision for loan and lease losses | $308,000 | 3,145 |
| Total noninterest income | $725,000 | 4,105 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $316,000 | 4,033 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $409,000 | 3,478 |
| Total noninterest expense | $2,569,000 | 4,872 |
| Salaries and employee benefits | $1,257,000 | 5,147 |
| Premises and equipment expense | $319,000 | 5,332 |
| Additional noninterest expense | $993,000 | 4,087 |
| Pre-tax net operating income | $1,704,000 | 3,548 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $550,000 | 3,145 |
| Income before extraordinary items | $1,154,000 | 3,905 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,154,000 | 3,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 2,274 |
| Cash dividends | $325,000 | 4,252 |
| Sale, conversion, retirement of capital stock, net | $1,043,000 | 396 |
| Net operating income | $1,154,000 | 3,775 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,033,000 | 4,116 |
| Total interest expense | $4,606,000 | 3,547 |
| Net interest income | $3,427,000 | 4,680 |
| Provision for loan and lease losses | $235,000 | 3,415 |
| Total noninterest income | $447,000 | 5,206 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $312,000 | 3,942 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,731 |
| Total noninterest expense | $2,269,000 | 5,215 |
| Salaries and employee benefits | $1,032,000 | 5,792 |
| Premises and equipment expense | $276,000 | 5,691 |
| Additional noninterest expense | $961,000 | 4,112 |
| Pre-tax net operating income | $1,370,000 | 4,344 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $441,000 | 3,782 |
| Income before extraordinary items | $929,000 | 4,590 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $929,000 | 4,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,565 |
| Cash dividends | $191,000 | 5,219 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $929,000 | 4,588 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,925,000 | 4,445 |
| Total interest expense | $3,859,000 | 3,697 |
| Net interest income | $3,066,000 | 5,076 |
| Provision for loan and lease losses | $265,000 | 2,939 |
| Total noninterest income | $388,000 | 5,720 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $235,000 | 4,682 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $153,000 | 5,555 |
| Total noninterest expense | $2,098,000 | 5,503 |
| Salaries and employee benefits | $936,000 | 6,164 |
| Premises and equipment expense | $253,000 | 5,997 |
| Additional noninterest expense | $909,000 | 4,351 |
| Pre-tax net operating income | $1,091,000 | 5,050 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $319,000 | 4,676 |
| Income before extraordinary items | $772,000 | 5,191 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $772,000 | 5,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $170,000 | 2,647 |
| Cash dividends | $149,000 | 5,690 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $772,000 | 5,154 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,343,000 | 5,421 |
| Total interest expense | $2,882,000 | 4,875 |
| Net interest income | $2,461,000 | 5,906 |
| Provision for loan and lease losses | $281,000 | 2,766 |
| Total noninterest income | $502,000 | 4,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $183,000 | 5,388 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $319,000 | 3,890 |
| Total noninterest expense | $1,715,000 | 6,194 |
| Salaries and employee benefits | $742,000 | 6,966 |
| Premises and equipment expense | $192,000 | 6,833 |
| Additional noninterest expense | $781,000 | 4,767 |
| Pre-tax net operating income | $967,000 | 5,524 |
| Securities gains (losses) | $49,000 | 1,746 |
| Applicable income taxes | $341,000 | 4,833 |
| Income before extraordinary items | $675,000 | 5,712 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $675,000 | 5,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,346 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $715,000 | 508 |
| Net operating income | $642,660 | 5,743 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,665,000 | 6,991 |
| Total interest expense | $1,913,000 | 6,439 |
| Net interest income | $1,752,000 | 7,425 |
| Provision for loan and lease losses | $234,000 | 3,125 |
| Total noninterest income | $239,000 | 7,344 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $121,000 | 6,738 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,329 |
| Total noninterest expense | $1,294,000 | 7,352 |
| Salaries and employee benefits | $586,000 | 8,017 |
| Premises and equipment expense | $158,000 | 7,632 |
| Additional noninterest expense | $550,000 | 6,116 |
| Pre-tax net operating income | $463,000 | 8,121 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $8,000 | 9,918 |
| Income before extraordinary items | $455,000 | 7,263 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $455,000 | 7,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,088 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $1,409,000 | 416 |
| Net operating income | $455,000 | 7,216 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,619,000 | 9,941 |
| Total interest expense | $765,000 | 9,754 |
| Net interest income | $854,000 | 9,948 |
| Provision for loan and lease losses | $247,000 | 2,960 |
| Total noninterest income | $110,000 | 9,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 9,306 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 7,844 |
| Total noninterest expense | $903,000 | 9,045 |
| Salaries and employee benefits | $443,000 | 9,298 |
| Premises and equipment expense | $148,000 | 8,108 |
| Additional noninterest expense | $312,000 | 8,741 |
| Pre-tax net operating income | $-186,000 | 11,061 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-186,000 | 11,100 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-186,000 | 11,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,315 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-186,000 | 11,058 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $110,000 | 11,935 |
| Total interest expense | $34,000 | 11,912 |
| Net interest income | $76,000 | 11,934 |
| Provision for loan and lease losses | $42,000 | 6,540 |
| Total noninterest income | $13,000 | 11,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,000 | 10,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 11,383 |
| Total noninterest expense | $184,000 | 11,888 |
| Salaries and employee benefits | $104,000 | 11,865 |
| Premises and equipment expense | $25,000 | 11,720 |
| Additional noninterest expense | $55,000 | 11,881 |
| Pre-tax net operating income | $-137,000 | 11,623 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-137,000 | 11,634 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-137,000 | 11,632 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 124 |
| Net operating income | $-137,000 | 11,618 |
* 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.