Home > The First National Bank of Byers > Income and Expense
The First National Bank of Byers, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $871,000 | 4,877 |
| Total interest expense | $11,000 | 6,573 |
| Net interest income | $860,000 | 4,597 |
| Provision for loan and lease losses | $0 | 3,817 |
| Total noninterest income | $217,000 | 3,327 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $114,000 | 2,408 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $103,000 | 3,518 |
| Total noninterest expense | $1,109,000 | 3,638 |
| Salaries and employee benefits | $458,000 | 4,265 |
| Premises and equipment expense | $67,000 | 5,034 |
| Additional noninterest expense | $584,000 | 2,546 |
| Pre-tax net operating income | $-32,000 | 6,328 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $-2,000 | 6,379 |
| Income before extraordinary items | $-30,000 | 6,333 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-30,000 | 6,333 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $-30,000 | 6,334 |
| Net charge-offs | $-11,000 | 5,794 |
| Cash dividends | $316,000 | 1,391 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $-30,000 | 6,325 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $0 | 6,811 |
| Total interest expense | $0 | 6,798 |
| Net interest income | $0 | 6,808 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $0 | 6,646 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $0 | 6,638 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $0 | 6,438 |
| Total noninterest expense | $0 | 6,810 |
| Salaries and employee benefits | $0 | 6,799 |
| Premises and equipment expense | $0 | 6,792 |
| Additional noninterest expense | $0 | 6,810 |
| Pre-tax net operating income | $0 | 6,192 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $0 | 6,252 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $0 | 6,253 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $0 | 6,254 |
| Net charge-offs | $0 | 5,475 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $0 | 6,212 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $2,630,000 | 4,982 |
| Total interest expense | $46,000 | 6,692 |
| Net interest income | $2,584,000 | 4,682 |
| Provision for loan and lease losses | $105,000 | 3,304 |
| Total noninterest income | $466,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $298,000 | 2,838 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $168,000 | 4,551 |
| Total noninterest expense | $2,640,000 | 4,255 |
| Salaries and employee benefits | $1,468,000 | 4,131 |
| Premises and equipment expense | $230,000 | 4,830 |
| Additional noninterest expense | $942,000 | 4,079 |
| Pre-tax net operating income | $305,000 | 5,321 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $80,000 | 3,446 |
| Income before extraordinary items | $225,000 | 5,543 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $225,000 | 5,544 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $225,000 | 5,544 |
| Net charge-offs | $78,000 | 3,492 |
| Cash dividends | $25,000 | 3,679 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $225,000 | 5,475 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,752,000 | 4,994 |
| Total interest expense | $32,000 | 6,739 |
| Net interest income | $1,720,000 | 4,679 |
| Provision for loan and lease losses | $68,000 | 3,318 |
| Total noninterest income | $305,000 | 4,193 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $194,000 | 2,859 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $111,000 | 4,612 |
| Total noninterest expense | $1,746,000 | 4,299 |
| Salaries and employee benefits | $965,000 | 4,197 |
| Premises and equipment expense | $145,000 | 4,973 |
| Additional noninterest expense | $636,000 | 4,052 |
| Pre-tax net operating income | $211,000 | 5,265 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $55,000 | 3,451 |
| Income before extraordinary items | $156,000 | 5,521 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $156,000 | 5,524 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $156,000 | 5,524 |
| Net charge-offs | $133,000 | 2,484 |
| Cash dividends | $25,000 | 3,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $156,000 | 5,408 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $874,000 | 5,025 |
| Total interest expense | $17,000 | 6,802 |
| Net interest income | $857,000 | 4,703 |
| Provision for loan and lease losses | $24,000 | 3,487 |
| Total noninterest income | $152,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $97,000 | 2,834 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $55,000 | 4,590 |
| Total noninterest expense | $871,000 | 4,339 |
| Salaries and employee benefits | $470,000 | 4,302 |
| Premises and equipment expense | $71,000 | 5,034 |
| Additional noninterest expense | $330,000 | 3,991 |
| Pre-tax net operating income | $114,000 | 5,172 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $26,000 | 3,448 |
| Income before extraordinary items | $88,000 | 5,387 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $88,000 | 5,389 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $88,000 | 5,389 |
| Net charge-offs | $40,000 | 2,581 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $88,000 | 5,286 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $3,588,000 | 5,126 |
| Total interest expense | $140,000 | 6,658 |
| Net interest income | $3,448,000 | 4,788 |
| Provision for loan and lease losses | $47,000 | 5,242 |
| Total noninterest income | $681,000 | 3,936 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $438,000 | 2,751 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $243,000 | 4,355 |
| Total noninterest expense | $3,417,000 | 4,436 |
| Salaries and employee benefits | $2,002,000 | 4,134 |
| Premises and equipment expense | $289,000 | 5,041 |
| Additional noninterest expense | $1,126,000 | 4,504 |
| Pre-tax net operating income | $665,000 | 4,582 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $210,000 | 2,969 |
| Income before extraordinary items | $455,000 | 5,051 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $455,000 | 5,048 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $455,000 | 5,049 |
| Net charge-offs | $23,000 | 5,333 |
| Cash dividends | $10,000 | 4,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $455,000 | 4,848 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 5,204 |
| Total interest expense | $122,000 | 6,697 |
| Net interest income | $2,578,000 | 4,872 |
| Provision for loan and lease losses | $47,000 | 4,977 |
| Total noninterest income | $446,000 | 4,228 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $329,000 | 2,789 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $117,000 | 4,925 |
| Total noninterest expense | $2,581,000 | 4,437 |
| Salaries and employee benefits | $1,514,000 | 4,123 |
| Premises and equipment expense | $230,000 | 4,979 |
| Additional noninterest expense | $837,000 | 4,557 |
| Pre-tax net operating income | $396,000 | 5,009 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $118,000 | 3,253 |
| Income before extraordinary items | $278,000 | 5,410 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $278,000 | 5,409 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $278,000 | 5,409 |
| Net charge-offs | $-13,000 | 6,667 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $278,000 | 5,215 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 5,185 |
| Total interest expense | $98,000 | 6,634 |
| Net interest income | $1,743,000 | 4,863 |
| Provision for loan and lease losses | $47,000 | 4,633 |
| Total noninterest income | $302,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $214,000 | 2,813 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $88,000 | 4,822 |
| Total noninterest expense | $1,769,000 | 4,408 |
| Salaries and employee benefits | $1,012,000 | 4,141 |
| Premises and equipment expense | $148,000 | 5,076 |
| Additional noninterest expense | $609,000 | 4,354 |
| Pre-tax net operating income | $229,000 | 5,163 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $67,000 | 3,355 |
| Income before extraordinary items | $162,000 | 5,568 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $162,000 | 5,567 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $162,000 | 5,567 |
| Net charge-offs | $-40,000 | 6,940 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $162,000 | 5,384 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $932,000 | 5,199 |
| Total interest expense | $56,000 | 6,591 |
| Net interest income | $876,000 | 4,867 |
| Provision for loan and lease losses | $47,000 | 3,746 |
| Total noninterest income | $147,000 | 4,277 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $102,000 | 2,891 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $45,000 | 4,865 |
| Total noninterest expense | $902,000 | 4,372 |
| Salaries and employee benefits | $507,000 | 4,169 |
| Premises and equipment expense | $70,000 | 5,222 |
| Additional noninterest expense | $325,000 | 4,178 |
| Pre-tax net operating income | $74,000 | 5,664 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $19,000 | 3,700 |
| Income before extraordinary items | $55,000 | 5,922 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $55,000 | 5,921 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $55,000 | 5,921 |
| Net charge-offs | $2,000 | 4,518 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $55,000 | 5,787 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $3,776,000 | 5,273 |
| Total interest expense | $289,000 | 6,597 |
| Net interest income | $3,487,000 | 4,903 |
| Provision for loan and lease losses | $86,000 | 5,487 |
| Total noninterest income | $558,000 | 4,207 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $438,000 | 2,853 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $120,000 | 5,119 |
| Total noninterest expense | $3,676,000 | 4,360 |
| Salaries and employee benefits | $2,101,000 | 4,045 |
| Premises and equipment expense | $311,000 | 5,162 |
| Additional noninterest expense | $1,264,000 | 4,311 |
| Pre-tax net operating income | $283,000 | 5,289 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $63,000 | 3,635 |
| Income before extraordinary items | $220,000 | 5,486 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $220,000 | 5,488 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $220,000 | 5,488 |
| Net charge-offs | $131,000 | 4,737 |
| Cash dividends | $5,000 | 4,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $220,000 | 5,369 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,855,000 | 5,313 |
| Total interest expense | $234,000 | 6,612 |
| Net interest income | $2,621,000 | 4,930 |
| Provision for loan and lease losses | $31,000 | 5,800 |
| Total noninterest income | $452,000 | 4,087 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $316,000 | 2,929 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $136,000 | 4,675 |
| Total noninterest expense | $2,832,000 | 4,291 |
| Salaries and employee benefits | $1,641,000 | 3,914 |
| Premises and equipment expense | $248,000 | 5,063 |
| Additional noninterest expense | $943,000 | 4,323 |
| Pre-tax net operating income | $210,000 | 5,428 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $47,000 | 3,654 |
| Income before extraordinary items | $163,000 | 5,649 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $163,000 | 5,649 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $163,000 | 5,649 |
| Net charge-offs | $66,000 | 4,779 |
| Cash dividends | $5,000 | 3,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $163,000 | 5,517 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,952,000 | 5,304 |
| Total interest expense | $168,000 | 6,629 |
| Net interest income | $1,784,000 | 4,894 |
| Provision for loan and lease losses | $16,000 | 5,799 |
| Total noninterest income | $297,000 | 4,121 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $210,000 | 2,916 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $87,000 | 4,760 |
| Total noninterest expense | $1,843,000 | 4,386 |
| Salaries and employee benefits | $1,086,000 | 3,978 |
| Premises and equipment expense | $158,000 | 5,209 |
| Additional noninterest expense | $599,000 | 4,530 |
| Pre-tax net operating income | $222,000 | 4,991 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $59,000 | 3,256 |
| Income before extraordinary items | $163,000 | 5,270 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $163,000 | 5,269 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $163,000 | 5,270 |
| Net charge-offs | $69,000 | 4,199 |
| Cash dividends | $5,000 | 3,352 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $163,000 | 5,181 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 5,410 |
| Total interest expense | $87,000 | 6,688 |
| Net interest income | $860,000 | 4,987 |
| Provision for loan and lease losses | $0 | 5,840 |
| Total noninterest income | $145,000 | 4,239 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $102,000 | 2,938 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $43,000 | 4,887 |
| Total noninterest expense | $927,000 | 4,406 |
| Salaries and employee benefits | $535,000 | 4,046 |
| Premises and equipment expense | $80,000 | 5,222 |
| Additional noninterest expense | $312,000 | 4,420 |
| Pre-tax net operating income | $78,000 | 5,399 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $18,000 | 3,508 |
| Income before extraordinary items | $60,000 | 5,555 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $60,000 | 5,553 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $60,000 | 5,554 |
| Net charge-offs | $34,000 | 3,663 |
| Cash dividends | $5,000 | 2,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $60,000 | 5,505 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,995,000 | 5,400 |
| Total interest expense | $427,000 | 6,716 |
| Net interest income | $3,568,000 | 4,895 |
| Provision for loan and lease losses | $595,000 | 3,879 |
| Total noninterest income | $430,000 | 4,840 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $453,000 | 2,836 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-23,000 | 7,065 |
| Total noninterest expense | $3,702,000 | 4,428 |
| Salaries and employee benefits | $2,123,000 | 4,070 |
| Premises and equipment expense | $313,000 | 5,307 |
| Additional noninterest expense | $1,266,000 | 4,464 |
| Pre-tax net operating income | $-299,000 | 6,110 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-137,000 | 6,897 |
| Income before extraordinary items | $-162,000 | 6,136 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-162,000 | 6,135 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-162,000 | 6,136 |
| Net charge-offs | $611,000 | 3,376 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-162,000 | 6,061 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,001,000 | 5,498 |
| Total interest expense | $326,000 | 6,833 |
| Net interest income | $2,675,000 | 4,953 |
| Provision for loan and lease losses | $215,000 | 4,795 |
| Total noninterest income | $481,000 | 4,151 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $345,000 | 2,862 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $136,000 | 4,797 |
| Total noninterest expense | $2,848,000 | 4,370 |
| Salaries and employee benefits | $1,665,000 | 3,971 |
| Premises and equipment expense | $242,000 | 5,319 |
| Additional noninterest expense | $941,000 | 4,484 |
| Pre-tax net operating income | $93,000 | 5,638 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $3,000 | 4,477 |
| Income before extraordinary items | $90,000 | 5,771 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $90,000 | 5,774 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $90,000 | 5,773 |
| Net charge-offs | $304,000 | 3,716 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $90,000 | 5,623 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 5,539 |
| Total interest expense | $215,000 | 6,938 |
| Net interest income | $1,791,000 | 4,961 |
| Provision for loan and lease losses | $200,000 | 4,223 |
| Total noninterest income | $316,000 | 4,159 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $226,000 | 2,916 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $90,000 | 4,795 |
| Total noninterest expense | $1,901,000 | 4,379 |
| Salaries and employee benefits | $1,108,000 | 3,994 |
| Premises and equipment expense | $158,000 | 5,402 |
| Additional noninterest expense | $635,000 | 4,443 |
| Pre-tax net operating income | $6,000 | 6,035 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-17,000 | 6,963 |
| Income before extraordinary items | $23,000 | 6,063 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $23,000 | 6,065 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $23,000 | 6,064 |
| Net charge-offs | $256,000 | 3,248 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $23,000 | 5,963 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,012,000 | 5,586 |
| Total interest expense | $105,000 | 7,084 |
| Net interest income | $907,000 | 4,950 |
| Provision for loan and lease losses | $200,000 | 2,974 |
| Total noninterest income | $155,000 | 4,197 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $109,000 | 2,984 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $46,000 | 4,823 |
| Total noninterest expense | $971,000 | 4,369 |
| Salaries and employee benefits | $553,000 | 4,055 |
| Premises and equipment expense | $73,000 | 5,653 |
| Additional noninterest expense | $345,000 | 4,200 |
| Pre-tax net operating income | $-109,000 | 6,671 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-47,000 | 7,313 |
| Income before extraordinary items | $-62,000 | 6,661 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-62,000 | 6,662 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-62,000 | 6,661 |
| Net charge-offs | $262,000 | 2,177 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-62,000 | 6,585 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,090,000 | 5,661 |
| Total interest expense | $565,000 | 6,987 |
| Net interest income | $3,525,000 | 4,946 |
| Provision for loan and lease losses | $108,000 | 6,364 |
| Total noninterest income | $577,000 | 4,447 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $418,000 | 3,243 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $159,000 | 5,002 |
| Total noninterest expense | $3,565,000 | 4,659 |
| Salaries and employee benefits | $2,142,000 | 4,148 |
| Premises and equipment expense | $319,000 | 5,508 |
| Additional noninterest expense | $1,104,000 | 4,961 |
| Pre-tax net operating income | $429,000 | 4,167 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $113,000 | 2,806 |
| Income before extraordinary items | $316,000 | 4,417 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $316,000 | 4,418 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $316,000 | 4,419 |
| Net charge-offs | $76,000 | 5,926 |
| Cash dividends | $5,000 | 4,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $316,000 | 4,346 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,101,000 | 5,691 |
| Total interest expense | $451,000 | 7,024 |
| Net interest income | $2,650,000 | 4,954 |
| Provision for loan and lease losses | $90,000 | 6,065 |
| Total noninterest income | $399,000 | 4,685 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $302,000 | 3,335 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $97,000 | 5,432 |
| Total noninterest expense | $2,735,000 | 4,606 |
| Salaries and employee benefits | $1,665,000 | 4,074 |
| Premises and equipment expense | $245,000 | 5,517 |
| Additional noninterest expense | $825,000 | 4,979 |
| Pre-tax net operating income | $224,000 | 4,828 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $49,000 | 3,340 |
| Income before extraordinary items | $175,000 | 4,959 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $175,000 | 4,958 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $175,000 | 4,959 |
| Net charge-offs | $88,000 | 5,172 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $175,000 | 4,908 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,082,000 | 5,730 |
| Total interest expense | $323,000 | 7,041 |
| Net interest income | $1,759,000 | 4,952 |
| Provision for loan and lease losses | $90,000 | 5,421 |
| Total noninterest income | $254,000 | 4,776 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $192,000 | 3,390 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $62,000 | 5,530 |
| Total noninterest expense | $1,809,000 | 4,674 |
| Salaries and employee benefits | $1,109,000 | 4,102 |
| Premises and equipment expense | $157,000 | 5,642 |
| Additional noninterest expense | $543,000 | 5,009 |
| Pre-tax net operating income | $114,000 | 5,136 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $22,000 | 3,645 |
| Income before extraordinary items | $92,000 | 5,274 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $92,000 | 5,272 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $92,000 | 5,272 |
| Net charge-offs | $47,000 | 4,972 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $92,000 | 5,186 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,049,000 | 5,757 |
| Total interest expense | $180,000 | 6,970 |
| Net interest income | $869,000 | 4,985 |
| Provision for loan and lease losses | $35,000 | 5,303 |
| Total noninterest income | $117,000 | 4,932 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $86,000 | 3,560 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $31,000 | 5,565 |
| Total noninterest expense | $864,000 | 4,727 |
| Salaries and employee benefits | $547,000 | 4,175 |
| Premises and equipment expense | $78,000 | 5,712 |
| Additional noninterest expense | $239,000 | 5,067 |
| Pre-tax net operating income | $87,000 | 5,171 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $23,000 | 3,465 |
| Income before extraordinary items | $64,000 | 5,481 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $64,000 | 5,484 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $64,000 | 5,484 |
| Net charge-offs | $31,000 | 3,989 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $64,000 | 5,303 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,586,000 | 5,687 |
| Total interest expense | $1,021,000 | 6,743 |
| Net interest income | $3,565,000 | 4,930 |
| Provision for loan and lease losses | $24,000 | 6,955 |
| Total noninterest income | $512,000 | 4,787 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $382,000 | 3,547 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $130,000 | 5,541 |
| Total noninterest expense | $3,542,000 | 4,599 |
| Salaries and employee benefits | $2,173,000 | 4,185 |
| Premises and equipment expense | $312,000 | 5,693 |
| Additional noninterest expense | $1,057,000 | 4,659 |
| Pre-tax net operating income | $511,000 | 4,835 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $162,000 | 3,003 |
| Income before extraordinary items | $349,000 | 4,922 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $349,000 | 4,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,667 |
| Cash dividends | $5,000 | 5,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $349,000 | 5,088 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,417,000 | 5,784 |
| Total interest expense | $794,000 | 6,792 |
| Net interest income | $2,623,000 | 5,022 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $389,000 | 4,872 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $293,000 | 3,526 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $96,000 | 5,695 |
| Total noninterest expense | $2,636,000 | 4,614 |
| Salaries and employee benefits | $1,610,000 | 4,238 |
| Premises and equipment expense | $244,000 | 5,627 |
| Additional noninterest expense | $782,000 | 4,613 |
| Pre-tax net operating income | $376,000 | 5,352 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $119,000 | 3,448 |
| Income before extraordinary items | $257,000 | 5,411 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $257,000 | 5,408 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,890 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $257,000 | 5,588 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,289,000 | 5,841 |
| Total interest expense | $555,000 | 6,832 |
| Net interest income | $1,734,000 | 5,045 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $260,000 | 4,919 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $198,000 | 3,511 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $62,000 | 5,823 |
| Total noninterest expense | $1,741,000 | 4,670 |
| Salaries and employee benefits | $1,070,000 | 4,294 |
| Premises and equipment expense | $147,000 | 5,881 |
| Additional noninterest expense | $524,000 | 4,595 |
| Pre-tax net operating income | $253,000 | 5,476 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $79,000 | 3,685 |
| Income before extraordinary items | $174,000 | 5,805 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $174,000 | 5,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,369 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $174,000 | 5,742 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,149,000 | 5,914 |
| Total interest expense | $307,000 | 6,796 |
| Net interest income | $842,000 | 5,151 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $129,000 | 4,937 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $100,000 | 3,452 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $29,000 | 5,952 |
| Total noninterest expense | $883,000 | 4,637 |
| Salaries and employee benefits | $539,000 | 4,284 |
| Premises and equipment expense | $76,000 | 5,856 |
| Additional noninterest expense | $268,000 | 4,465 |
| Pre-tax net operating income | $88,000 | 6,147 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $61,000 | 6,408 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $61,000 | 6,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,915 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $61,000 | 6,308 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,221,000 | 5,598 |
| Total interest expense | $1,688,000 | 6,191 |
| Net interest income | $3,533,000 | 5,002 |
| Provision for loan and lease losses | $767,000 | 1,722 |
| Total noninterest income | $568,000 | 4,744 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $450,000 | 3,290 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $118,000 | 5,971 |
| Total noninterest expense | $2,940,000 | 5,063 |
| Salaries and employee benefits | $1,728,000 | 4,884 |
| Premises and equipment expense | $261,000 | 6,140 |
| Additional noninterest expense | $951,000 | 4,801 |
| Pre-tax net operating income | $394,000 | 6,287 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $129,000 | 4,269 |
| Income before extraordinary items | $265,000 | 6,550 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $265,000 | 6,549 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,392 |
| Cash dividends | $4,000 | 5,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $265,000 | 6,533 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,957,000 | 5,595 |
| Total interest expense | $1,314,000 | 6,150 |
| Net interest income | $2,643,000 | 5,022 |
| Provision for loan and lease losses | $684,000 | 1,234 |
| Total noninterest income | $432,000 | 4,737 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $340,000 | 3,267 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $92,000 | 5,943 |
| Total noninterest expense | $2,177,000 | 5,077 |
| Salaries and employee benefits | $1,232,000 | 5,010 |
| Premises and equipment expense | $206,000 | 6,008 |
| Additional noninterest expense | $739,000 | 4,640 |
| Pre-tax net operating income | $214,000 | 6,916 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $67,000 | 4,753 |
| Income before extraordinary items | $147,000 | 7,044 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $147,000 | 7,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 1,034 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $147,000 | 7,035 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,681,000 | 5,581 |
| Total interest expense | $873,000 | 6,184 |
| Net interest income | $1,808,000 | 4,978 |
| Provision for loan and lease losses | $634,000 | 839 |
| Total noninterest income | $295,000 | 4,706 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $231,000 | 3,193 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $64,000 | 5,897 |
| Total noninterest expense | $1,421,000 | 5,184 |
| Salaries and employee benefits | $779,000 | 5,223 |
| Premises and equipment expense | $135,000 | 6,081 |
| Additional noninterest expense | $507,000 | 4,535 |
| Pre-tax net operating income | $48,000 | 7,531 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $13,000 | 5,554 |
| Income before extraordinary items | $35,000 | 7,587 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $35,000 | 7,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $517,000 | 701 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $35,000 | 7,576 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,377,000 | 5,510 |
| Total interest expense | $433,000 | 6,211 |
| Net interest income | $944,000 | 4,851 |
| Provision for loan and lease losses | $336,000 | 724 |
| Total noninterest income | $150,000 | 4,643 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $117,000 | 3,122 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $33,000 | 5,825 |
| Total noninterest expense | $673,000 | 5,382 |
| Salaries and employee benefits | $378,000 | 5,346 |
| Premises and equipment expense | $64,000 | 6,249 |
| Additional noninterest expense | $231,000 | 4,794 |
| Pre-tax net operating income | $85,000 | 6,861 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $28,000 | 4,668 |
| Income before extraordinary items | $57,000 | 7,060 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $57,000 | 7,058 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 962 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $57,000 | 7,045 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,075,000 | 5,514 |
| Total interest expense | $1,436,000 | 6,209 |
| Net interest income | $3,639,000 | 4,926 |
| Provision for loan and lease losses | $149,000 | 4,083 |
| Total noninterest income | $615,000 | 4,669 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $496,000 | 3,074 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $119,000 | 6,032 |
| Total noninterest expense | $2,601,000 | 5,358 |
| Salaries and employee benefits | $1,487,000 | 5,214 |
| Premises and equipment expense | $274,000 | 5,968 |
| Additional noninterest expense | $840,000 | 5,079 |
| Pre-tax net operating income | $1,504,000 | 4,276 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $508,000 | 3,141 |
| Income before extraordinary items | $996,000 | 4,734 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $996,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $189,000 | 2,260 |
| Cash dividends | $10,000 | 5,894 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $996,000 | 4,724 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 5,641 |
| Total interest expense | $956,000 | 6,416 |
| Net interest income | $2,686,000 | 5,025 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $458,000 | 4,717 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $367,000 | 3,122 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $91,000 | 6,017 |
| Total noninterest expense | $1,917,000 | 5,394 |
| Salaries and employee benefits | $1,101,000 | 5,239 |
| Premises and equipment expense | $208,000 | 5,962 |
| Additional noninterest expense | $608,000 | 5,172 |
| Pre-tax net operating income | $1,227,000 | 4,246 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $414,000 | 3,131 |
| Income before extraordinary items | $813,000 | 4,661 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $813,000 | 4,665 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,173 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $813,000 | 4,654 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,174,000 | 5,922 |
| Total interest expense | $457,000 | 7,039 |
| Net interest income | $1,717,000 | 5,183 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $298,000 | 4,768 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $241,000 | 3,143 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,166 |
| Total noninterest expense | $1,263,000 | 5,443 |
| Salaries and employee benefits | $733,000 | 5,265 |
| Premises and equipment expense | $136,000 | 6,020 |
| Additional noninterest expense | $394,000 | 5,258 |
| Pre-tax net operating income | $752,000 | 4,461 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $254,000 | 3,278 |
| Income before extraordinary items | $498,000 | 4,886 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $498,000 | 4,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,556 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $498,000 | 4,878 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,042,000 | 6,003 |
| Total interest expense | $204,000 | 7,198 |
| Net interest income | $838,000 | 5,260 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $133,000 | 4,967 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $113,000 | 3,198 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $20,000 | 6,714 |
| Total noninterest expense | $651,000 | 5,353 |
| Salaries and employee benefits | $367,000 | 5,291 |
| Premises and equipment expense | $68,000 | 6,040 |
| Additional noninterest expense | $216,000 | 4,940 |
| Pre-tax net operating income | $320,000 | 4,794 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $109,000 | 3,485 |
| Income before extraordinary items | $211,000 | 5,240 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $211,000 | 5,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $211,000 | 5,233 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,634,000 | 6,088 |
| Total interest expense | $664,000 | 7,147 |
| Net interest income | $2,970,000 | 5,545 |
| Provision for loan and lease losses | $56,000 | 5,637 |
| Total noninterest income | $579,000 | 4,882 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $504,000 | 3,041 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,850 |
| Total noninterest expense | $2,374,000 | 5,537 |
| Salaries and employee benefits | $1,442,000 | 5,186 |
| Premises and equipment expense | $292,000 | 5,802 |
| Additional noninterest expense | $640,000 | 5,847 |
| Pre-tax net operating income | $1,119,000 | 5,062 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $365,000 | 3,845 |
| Income before extraordinary items | $754,000 | 5,495 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $754,000 | 5,499 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,996 |
| Cash dividends | $15,000 | 5,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $754,000 | 5,464 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,643,000 | 6,158 |
| Total interest expense | $478,000 | 7,168 |
| Net interest income | $2,165,000 | 5,640 |
| Provision for loan and lease losses | $55,000 | 5,056 |
| Total noninterest income | $437,000 | 4,897 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $378,000 | 3,035 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $59,000 | 6,795 |
| Total noninterest expense | $1,726,000 | 5,602 |
| Salaries and employee benefits | $1,044,000 | 5,282 |
| Premises and equipment expense | $225,000 | 5,737 |
| Additional noninterest expense | $457,000 | 5,970 |
| Pre-tax net operating income | $821,000 | 5,272 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $267,000 | 3,982 |
| Income before extraordinary items | $554,000 | 5,659 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $554,000 | 5,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,249 |
| Cash dividends | $10,000 | 5,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $554,000 | 5,615 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,726,000 | 6,164 |
| Total interest expense | $307,000 | 7,145 |
| Net interest income | $1,419,000 | 5,672 |
| Provision for loan and lease losses | $131,000 | 2,888 |
| Total noninterest income | $287,000 | 4,902 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $247,000 | 3,037 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $40,000 | 6,773 |
| Total noninterest expense | $1,166,000 | 5,560 |
| Salaries and employee benefits | $705,000 | 5,231 |
| Premises and equipment expense | $148,000 | 5,744 |
| Additional noninterest expense | $313,000 | 5,880 |
| Pre-tax net operating income | $409,000 | 5,924 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $127,000 | 4,484 |
| Income before extraordinary items | $282,000 | 6,246 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $282,000 | 6,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 2,449 |
| Cash dividends | $10,000 | 5,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $282,000 | 6,197 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $853,000 | 6,203 |
| Total interest expense | $147,000 | 7,210 |
| Net interest income | $706,000 | 5,708 |
| Provision for loan and lease losses | $116,000 | 1,844 |
| Total noninterest income | $146,000 | 4,772 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $122,000 | 3,000 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $24,000 | 6,543 |
| Total noninterest expense | $579,000 | 5,622 |
| Salaries and employee benefits | $349,000 | 5,296 |
| Premises and equipment expense | $71,000 | 5,908 |
| Additional noninterest expense | $159,000 | 5,817 |
| Pre-tax net operating income | $157,000 | 6,466 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $42,000 | 4,975 |
| Income before extraordinary items | $115,000 | 6,655 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $115,000 | 6,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 1,310 |
| Cash dividends | $10,000 | 3,799 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $115,000 | 6,620 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,174,000 | 6,264 |
| Total interest expense | $572,000 | 7,057 |
| Net interest income | $2,602,000 | 5,877 |
| Provision for loan and lease losses | $64,000 | 5,604 |
| Total noninterest income | $646,000 | 4,626 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $569,000 | 2,830 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $77,000 | 6,829 |
| Total noninterest expense | $2,261,000 | 5,609 |
| Salaries and employee benefits | $1,357,000 | 5,290 |
| Premises and equipment expense | $280,000 | 5,877 |
| Additional noninterest expense | $624,000 | 5,856 |
| Pre-tax net operating income | $923,000 | 5,436 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $331,000 | 4,026 |
| Income before extraordinary items | $592,000 | 5,973 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $592,000 | 5,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 2,292 |
| Cash dividends | $5,000 | 6,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $592,000 | 5,909 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,326,000 | 6,336 |
| Total interest expense | $426,000 | 7,070 |
| Net interest income | $1,900,000 | 5,971 |
| Provision for loan and lease losses | $64,000 | 5,058 |
| Total noninterest income | $496,000 | 4,575 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $437,000 | 2,785 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 6,825 |
| Total noninterest expense | $1,704,000 | 5,578 |
| Salaries and employee benefits | $1,024,000 | 5,239 |
| Premises and equipment expense | $214,000 | 5,782 |
| Additional noninterest expense | $466,000 | 5,837 |
| Pre-tax net operating income | $628,000 | 5,772 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $216,000 | 4,329 |
| Income before extraordinary items | $412,000 | 6,247 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $412,000 | 6,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 1,719 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $412,000 | 6,179 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,541,000 | 6,380 |
| Total interest expense | $283,000 | 7,112 |
| Net interest income | $1,258,000 | 5,998 |
| Provision for loan and lease losses | $58,000 | 4,543 |
| Total noninterest income | $333,000 | 4,546 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $294,000 | 2,756 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $39,000 | 6,845 |
| Total noninterest expense | $1,138,000 | 5,605 |
| Salaries and employee benefits | $688,000 | 5,238 |
| Premises and equipment expense | $140,000 | 5,870 |
| Additional noninterest expense | $310,000 | 5,880 |
| Pre-tax net operating income | $395,000 | 5,886 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $137,000 | 4,397 |
| Income before extraordinary items | $258,000 | 6,373 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $258,000 | 6,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,127 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $258,000 | 6,285 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $789,000 | 6,314 |
| Total interest expense | $142,000 | 7,164 |
| Net interest income | $647,000 | 5,885 |
| Provision for loan and lease losses | $58,000 | 3,132 |
| Total noninterest income | $159,000 | 4,637 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $139,000 | 2,827 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $20,000 | 6,798 |
| Total noninterest expense | $572,000 | 5,602 |
| Salaries and employee benefits | $346,000 | 5,227 |
| Premises and equipment expense | $68,000 | 5,967 |
| Additional noninterest expense | $158,000 | 5,843 |
| Pre-tax net operating income | $176,000 | 6,113 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $64,000 | 4,484 |
| Income before extraordinary items | $112,000 | 6,660 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $112,000 | 6,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 640 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $112,000 | 6,542 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,125,000 | 6,392 |
| Total interest expense | $641,000 | 7,261 |
| Net interest income | $2,484,000 | 5,922 |
| Provision for loan and lease losses | $200,000 | 4,016 |
| Total noninterest income | $560,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $491,000 | 3,130 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $69,000 | 7,124 |
| Total noninterest expense | $2,258,000 | 5,588 |
| Salaries and employee benefits | $1,328,000 | 5,272 |
| Premises and equipment expense | $283,000 | 5,834 |
| Additional noninterest expense | $647,000 | 5,744 |
| Pre-tax net operating income | $586,000 | 6,391 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $191,000 | 4,984 |
| Income before extraordinary items | $395,000 | 6,838 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $395,000 | 6,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,791 |
| Cash dividends | $4,000 | 6,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $395,000 | 6,678 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,340,000 | 6,470 |
| Total interest expense | $496,000 | 7,333 |
| Net interest income | $1,844,000 | 5,986 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $418,000 | 5,193 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $365,000 | 3,169 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $53,000 | 7,132 |
| Total noninterest expense | $1,667,000 | 5,613 |
| Salaries and employee benefits | $996,000 | 5,264 |
| Premises and equipment expense | $215,000 | 5,784 |
| Additional noninterest expense | $456,000 | 5,940 |
| Pre-tax net operating income | $595,000 | 5,901 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $199,000 | 4,653 |
| Income before extraordinary items | $396,000 | 6,376 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $396,000 | 6,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,651 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $396,000 | 6,200 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,582,000 | 6,465 |
| Total interest expense | $336,000 | 7,419 |
| Net interest income | $1,246,000 | 5,947 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $275,000 | 5,211 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $238,000 | 3,185 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $37,000 | 7,072 |
| Total noninterest expense | $1,114,000 | 5,603 |
| Salaries and employee benefits | $662,000 | 5,283 |
| Premises and equipment expense | $143,000 | 5,813 |
| Additional noninterest expense | $309,000 | 5,890 |
| Pre-tax net operating income | $407,000 | 5,816 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $136,000 | 4,659 |
| Income before extraordinary items | $271,000 | 6,339 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $271,000 | 6,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,876 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $271,000 | 6,126 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $819,000 | 6,382 |
| Total interest expense | $171,000 | 7,471 |
| Net interest income | $648,000 | 5,797 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $132,000 | 5,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $113,000 | 3,234 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $19,000 | 7,007 |
| Total noninterest expense | $532,000 | 5,787 |
| Salaries and employee benefits | $322,000 | 5,395 |
| Premises and equipment expense | $67,000 | 5,985 |
| Additional noninterest expense | $143,000 | 6,099 |
| Pre-tax net operating income | $248,000 | 5,307 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $83,000 | 4,283 |
| Income before extraordinary items | $165,000 | 5,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $165,000 | 5,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $165,000 | 5,598 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,419,000 | 6,416 |
| Total interest expense | $799,000 | 7,516 |
| Net interest income | $2,620,000 | 5,756 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $497,000 | 5,236 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $438,000 | 3,307 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $59,000 | 7,380 |
| Total noninterest expense | $2,120,000 | 5,669 |
| Salaries and employee benefits | $1,376,000 | 5,002 |
| Premises and equipment expense | $256,000 | 6,059 |
| Additional noninterest expense | $488,000 | 6,576 |
| Pre-tax net operating income | $997,000 | 5,216 |
| Securities gains (losses) | $5,000 | 3,957 |
| Applicable income taxes | $335,000 | 4,246 |
| Income before extraordinary items | $667,000 | 5,674 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $667,000 | 5,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-583,000 | 9,341 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $663,650 | 5,544 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,568,000 | 6,716 |
| Total interest expense | $1,192,000 | 7,623 |
| Net interest income | $2,376,000 | 5,889 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $388,000 | 5,757 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $330,000 | 3,924 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $58,000 | 7,449 |
| Total noninterest expense | $1,953,000 | 5,828 |
| Salaries and employee benefits | $1,192,000 | 5,349 |
| Premises and equipment expense | $191,000 | 6,909 |
| Additional noninterest expense | $570,000 | 6,032 |
| Pre-tax net operating income | $786,000 | 5,531 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $263,000 | 4,527 |
| Income before extraordinary items | $523,000 | 5,957 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $523,000 | 5,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 5,025 |
| Cash dividends | $10,000 | 6,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $523,000 | 5,847 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,907,000 | 6,559 |
| Total interest expense | $1,342,000 | 7,480 |
| Net interest income | $2,565,000 | 5,709 |
| Provision for loan and lease losses | $-65,000 | 9,780 |
| Total noninterest income | $342,000 | 5,949 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $287,000 | 4,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,624 |
| Total noninterest expense | $1,821,000 | 6,022 |
| Salaries and employee benefits | $1,107,000 | 5,532 |
| Premises and equipment expense | $169,000 | 7,263 |
| Additional noninterest expense | $545,000 | 6,103 |
| Pre-tax net operating income | $1,151,000 | 4,846 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $394,000 | 4,002 |
| Income before extraordinary items | $757,000 | 5,211 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $757,000 | 5,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-76,000 | 9,697 |
| Cash dividends | $20,000 | 6,667 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $757,000 | 5,204 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,255,000 | 7,089 |
| Total interest expense | $1,172,000 | 7,718 |
| Net interest income | $2,083,000 | 6,489 |
| Provision for loan and lease losses | $176,000 | 3,887 |
| Total noninterest income | $312,000 | 6,335 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $259,000 | 4,425 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 7,953 |
| Total noninterest expense | $1,697,000 | 6,304 |
| Salaries and employee benefits | $992,000 | 5,920 |
| Premises and equipment expense | $177,000 | 7,184 |
| Additional noninterest expense | $528,000 | 6,292 |
| Pre-tax net operating income | $522,000 | 7,051 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $176,000 | 5,964 |
| Income before extraordinary items | $346,000 | 7,313 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $346,000 | 7,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,383 |
| Cash dividends | $5,000 | 7,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $346,000 | 7,284 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,371,000 | 7,096 |
| Total interest expense | $1,215,000 | 7,872 |
| Net interest income | $2,156,000 | 6,374 |
| Provision for loan and lease losses | $1,061,000 | 920 |
| Total noninterest income | $307,000 | 6,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 4,489 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $57,000 | 7,910 |
| Total noninterest expense | $1,573,000 | 6,492 |
| Salaries and employee benefits | $1,000,000 | 5,794 |
| Premises and equipment expense | $132,000 | 8,031 |
| Additional noninterest expense | $441,000 | 6,874 |
| Pre-tax net operating income | $-171,000 | 9,980 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-49,000 | 10,135 |
| Income before extraordinary items | $-122,000 | 9,973 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-122,000 | 9,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $979,000 | 763 |
| Cash dividends | $10,000 | 7,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $-122,000 | 9,939 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,369,000 | 7,328 |
| Total interest expense | $1,165,000 | 8,218 |
| Net interest income | $2,204,000 | 6,520 |
| Provision for loan and lease losses | $542,000 | 1,666 |
| Total noninterest income | $317,000 | 6,479 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $54,000 | 8,261 |
| Total noninterest expense | $1,520,000 | 6,740 |
| Salaries and employee benefits | $969,000 | 5,970 |
| Premises and equipment expense | $160,000 | 7,589 |
| Additional noninterest expense | $391,000 | 7,425 |
| Pre-tax net operating income | $459,000 | 8,145 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $157,000 | 7,502 |
| Income before extraordinary items | $299,000 | 8,383 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $299,000 | 8,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $406,000 | 1,575 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $300,980 | 8,328 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,084,000 | 7,896 |
| Total interest expense | $1,159,000 | 8,501 |
| Net interest income | $1,925,000 | 7,305 |
| Provision for loan and lease losses | $68,000 | 5,903 |
| Total noninterest income | $251,000 | 7,564 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,418 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $43,000 | 9,213 |
| Total noninterest expense | $1,430,000 | 7,311 |
| Salaries and employee benefits | $937,000 | 6,279 |
| Premises and equipment expense | $160,000 | 7,826 |
| Additional noninterest expense | $333,000 | 8,541 |
| Pre-tax net operating income | $678,000 | 7,033 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $235,000 | 6,641 |
| Income before extraordinary items | $443,000 | 7,290 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $443,000 | 7,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,431 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $443,000 | 7,234 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,578,000 | 8,847 |
| Total interest expense | $994,000 | 9,272 |
| Net interest income | $1,584,000 | 8,297 |
| Provision for loan and lease losses | $40,000 | 6,618 |
| Total noninterest income | $205,000 | 8,342 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $176,000 | 6,147 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 10,336 |
| Total noninterest expense | $1,303,000 | 7,852 |
| Salaries and employee benefits | $743,000 | 7,445 |
| Premises and equipment expense | $164,000 | 7,947 |
| Additional noninterest expense | $396,000 | 8,232 |
| Pre-tax net operating income | $446,000 | 8,773 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $151,000 | 8,236 |
| Income before extraordinary items | $295,000 | 8,990 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $295,000 | 8,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $295,000 | 8,954 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,904,000 | 9,983 |
| Total interest expense | $643,000 | 10,385 |
| Net interest income | $1,261,000 | 9,588 |
| Provision for loan and lease losses | $107,000 | 4,408 |
| Total noninterest income | $187,000 | 8,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $168,000 | 6,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 11,499 |
| Total noninterest expense | $1,254,000 | 8,403 |
| Salaries and employee benefits | $682,000 | 8,015 |
| Premises and equipment expense | $159,000 | 8,320 |
| Additional noninterest expense | $413,000 | 8,695 |
| Pre-tax net operating income | $87,000 | 11,705 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $13,000 | 11,303 |
| Income before extraordinary items | $74,000 | 11,626 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $74,000 | 11,635 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,111 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $74,000 | 11,669 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,690,000 | 10,830 |
| Total interest expense | $580,000 | 11,261 |
| Net interest income | $1,110,000 | 10,367 |
| Provision for loan and lease losses | $3,000 | 10,228 |
| Total noninterest income | $168,000 | 9,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $148,000 | 7,140 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 12,038 |
| Total noninterest expense | $890,000 | 10,241 |
| Salaries and employee benefits | $502,000 | 9,649 |
| Premises and equipment expense | $66,000 | 11,648 |
| Additional noninterest expense | $322,000 | 10,168 |
| Pre-tax net operating income | $385,000 | 9,530 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $146,000 | 8,742 |
| Income before extraordinary items | $239,000 | 10,166 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $239,000 | 10,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $239,000 | 9,921 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,873,000 | 11,151 |
| Total interest expense | $718,000 | 11,715 |
| Net interest income | $1,155,000 | 10,496 |
| Provision for loan and lease losses | $2,000 | 11,664 |
| Total noninterest income | $168,000 | 10,091 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $156,000 | 6,955 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 13,214 |
| Total noninterest expense | $726,000 | 11,372 |
| Salaries and employee benefits | $401,000 | 10,848 |
| Premises and equipment expense | $54,000 | 12,540 |
| Additional noninterest expense | $271,000 | 11,258 |
| Pre-tax net operating income | $595,000 | 7,750 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $189,000 | 7,777 |
| Income before extraordinary items | $406,000 | 8,155 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $406,000 | 8,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 13,052 |
| Cash dividends | $80,000 | 6,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $406,000 | 7,801 |
* 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.