Home > 1st American State Bank of Minnesota > Income and Expense
1st American State Bank of Minnesota, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $786,000 | 7,816 |
| Total interest expense | $351,000 | 7,467 |
| Net interest income | $435,000 | 7,863 |
| Provision for loan and lease losses | $1,330,000 | 3,055 |
| Total noninterest income | $-17,000 | 7,729 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $29,000 | 6,779 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-46,000 | 7,532 |
| Total noninterest expense | $700,000 | 7,721 |
| Salaries and employee benefits | $240,000 | 7,890 |
| Premises and equipment expense | $139,000 | 7,035 |
| Additional noninterest expense | $321,000 | 7,357 |
| Pre-tax net operating income | $-1,612,000 | 6,490 |
| Securities gains (losses) | $-1,000 | 6,865 |
| Applicable income taxes | $-143,000 | 6,662 |
| Income before extraordinary items | $-1,470,000 | 6,557 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,470,000 | 6,557 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,470,000 | 6,557 |
| Net charge-offs | $1,871,000 | 2,114 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,469,090 | 6,552 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $615,000 | 7,888 |
| Total interest expense | $285,000 | 7,504 |
| Net interest income | $330,000 | 7,942 |
| Provision for loan and lease losses | $1,250,000 | 2,466 |
| Total noninterest income | $-36,000 | 7,879 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $22,000 | 6,824 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-58,000 | 7,769 |
| Total noninterest expense | $514,000 | 7,787 |
| Salaries and employee benefits | $173,000 | 7,974 |
| Premises and equipment expense | $105,000 | 7,076 |
| Additional noninterest expense | $236,000 | 7,414 |
| Pre-tax net operating income | $-1,470,000 | 6,854 |
| Securities gains (losses) | $-1,000 | 7,086 |
| Applicable income taxes | $-143,000 | 7,025 |
| Income before extraordinary items | $-1,328,000 | 6,920 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,328,000 | 6,922 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,328,000 | 6,922 |
| Net charge-offs | $1,808,000 | 1,596 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,327,100 | 6,899 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $433,000 | 7,954 |
| Total interest expense | $212,000 | 7,521 |
| Net interest income | $221,000 | 8,021 |
| Provision for loan and lease losses | $1,174,000 | 1,893 |
| Total noninterest income | $72,000 | 6,796 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $14,000 | 6,894 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $58,000 | 5,624 |
| Total noninterest expense | $345,000 | 7,859 |
| Salaries and employee benefits | $117,000 | 8,064 |
| Premises and equipment expense | $73,000 | 7,077 |
| Additional noninterest expense | $155,000 | 7,495 |
| Pre-tax net operating income | $-1,226,000 | 7,132 |
| Securities gains (losses) | $-1,000 | 7,343 |
| Applicable income taxes | $-150,000 | 7,241 |
| Income before extraordinary items | $-1,077,000 | 7,174 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,077,000 | 7,174 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,077,000 | 7,175 |
| Net charge-offs | $1,264,000 | 1,465 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,076,120 | 7,170 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $238,000 | 7,961 |
| Total interest expense | $126,000 | 7,420 |
| Net interest income | $112,000 | 8,073 |
| Provision for loan and lease losses | $456,000 | 1,864 |
| Total noninterest income | $36,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $7,000 | 6,895 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $29,000 | 5,665 |
| Total noninterest expense | $164,000 | 7,926 |
| Salaries and employee benefits | $61,000 | 8,102 |
| Premises and equipment expense | $36,000 | 7,140 |
| Additional noninterest expense | $67,000 | 7,595 |
| Pre-tax net operating income | $-472,000 | 7,291 |
| Securities gains (losses) | $-1,000 | 7,699 |
| Applicable income taxes | $-150,000 | 7,645 |
| Income before extraordinary items | $-323,000 | 7,240 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-323,000 | 7,241 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-323,000 | 7,241 |
| Net charge-offs | $191,000 | 2,179 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-322,320 | 7,191 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,574,000 | 7,633 |
| Total interest expense | $866,000 | 7,012 |
| Net interest income | $708,000 | 7,899 |
| Provision for loan and lease losses | $1,298,000 | 2,342 |
| Total noninterest income | $175,000 | 6,669 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $32,000 | 6,875 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $143,000 | 5,396 |
| Total noninterest expense | $962,000 | 7,596 |
| Salaries and employee benefits | $514,000 | 7,629 |
| Premises and equipment expense | $129,000 | 7,340 |
| Additional noninterest expense | $319,000 | 7,367 |
| Pre-tax net operating income | $-1,377,000 | 7,169 |
| Securities gains (losses) | $5,000 | 2,760 |
| Applicable income taxes | $-329,000 | 7,351 |
| Income before extraordinary items | $-1,043,000 | 7,018 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,043,000 | 7,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $948,000 | 2,014 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,046,800 | 7,141 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,304,000 | 7,601 |
| Total interest expense | $710,000 | 6,994 |
| Net interest income | $594,000 | 7,892 |
| Provision for loan and lease losses | $628,000 | 2,409 |
| Total noninterest income | $138,000 | 6,710 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $23,000 | 6,951 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $115,000 | 5,380 |
| Total noninterest expense | $783,000 | 7,500 |
| Salaries and employee benefits | $436,000 | 7,489 |
| Premises and equipment expense | $97,000 | 7,388 |
| Additional noninterest expense | $250,000 | 7,316 |
| Pre-tax net operating income | $-679,000 | 7,368 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $-296,000 | 7,737 |
| Income before extraordinary items | $-378,000 | 7,086 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-378,000 | 7,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $932,000 | 1,366 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-381,200 | 7,232 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $938,000 | 7,570 |
| Total interest expense | $514,000 | 6,963 |
| Net interest income | $424,000 | 7,875 |
| Provision for loan and lease losses | $628,000 | 1,652 |
| Total noninterest income | $89,000 | 6,809 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $15,000 | 6,993 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $74,000 | 5,542 |
| Total noninterest expense | $553,000 | 7,475 |
| Salaries and employee benefits | $312,000 | 7,442 |
| Premises and equipment expense | $67,000 | 7,393 |
| Additional noninterest expense | $174,000 | 7,279 |
| Pre-tax net operating income | $-668,000 | 7,724 |
| Securities gains (losses) | $5,000 | 2,725 |
| Applicable income taxes | $-286,000 | 8,061 |
| Income before extraordinary items | $-377,000 | 7,602 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-377,000 | 7,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $451,000 | 1,409 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-380,200 | 7,590 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $532,000 | 7,472 |
| Total interest expense | $290,000 | 6,899 |
| Net interest income | $242,000 | 7,788 |
| Provision for loan and lease losses | $103,000 | 2,678 |
| Total noninterest income | $44,000 | 6,842 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $8,000 | 6,987 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $36,000 | 5,627 |
| Total noninterest expense | $257,000 | 7,606 |
| Salaries and employee benefits | $158,000 | 7,448 |
| Premises and equipment expense | $32,000 | 7,475 |
| Additional noninterest expense | $67,000 | 7,671 |
| Pre-tax net operating income | $-74,000 | 7,482 |
| Securities gains (losses) | $2,000 | 2,447 |
| Applicable income taxes | $-106,000 | 8,150 |
| Income before extraordinary items | $34,000 | 6,812 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $34,000 | 6,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 3,186 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $32,720 | 6,744 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,551,000 | 7,165 |
| Total interest expense | $1,245,000 | 6,799 |
| Net interest income | $1,306,000 | 7,365 |
| Provision for loan and lease losses | $851,000 | 1,611 |
| Total noninterest income | $153,000 | 7,104 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $38,000 | 6,925 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $115,000 | 6,002 |
| Total noninterest expense | $1,007,000 | 7,645 |
| Salaries and employee benefits | $593,000 | 7,563 |
| Premises and equipment expense | $152,000 | 7,227 |
| Additional noninterest expense | $262,000 | 7,727 |
| Pre-tax net operating income | $-399,000 | 7,757 |
| Securities gains (losses) | $-2,000 | 7,197 |
| Applicable income taxes | $148,000 | 4,149 |
| Income before extraordinary items | $-549,000 | 7,906 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-549,000 | 7,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,585 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-547,000 | 7,900 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,929,000 | 7,195 |
| Total interest expense | $908,000 | 6,881 |
| Net interest income | $1,021,000 | 7,348 |
| Provision for loan and lease losses | $192,000 | 3,073 |
| Total noninterest income | $122,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $30,000 | 6,928 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $92,000 | 5,943 |
| Total noninterest expense | $733,000 | 7,661 |
| Salaries and employee benefits | $461,000 | 7,476 |
| Premises and equipment expense | $107,000 | 7,313 |
| Additional noninterest expense | $165,000 | 7,917 |
| Pre-tax net operating income | $218,000 | 6,897 |
| Securities gains (losses) | $-3,000 | 7,511 |
| Applicable income taxes | $105,000 | 4,391 |
| Income before extraordinary items | $110,000 | 7,221 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $110,000 | 7,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,933 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $111,920 | 7,198 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 7,244 |
| Total interest expense | $583,000 | 6,972 |
| Net interest income | $700,000 | 7,356 |
| Provision for loan and lease losses | $18,000 | 5,390 |
| Total noninterest income | $81,000 | 7,108 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $20,000 | 6,976 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $61,000 | 5,968 |
| Total noninterest expense | $496,000 | 7,699 |
| Salaries and employee benefits | $308,000 | 7,526 |
| Premises and equipment expense | $74,000 | 7,287 |
| Additional noninterest expense | $114,000 | 7,909 |
| Pre-tax net operating income | $267,000 | 6,246 |
| Securities gains (losses) | $-3,000 | 7,770 |
| Applicable income taxes | $132,000 | 3,810 |
| Income before extraordinary items | $132,000 | 6,892 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $132,000 | 6,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $133,920 | 6,863 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 7,333 |
| Total interest expense | $262,000 | 7,165 |
| Net interest income | $355,000 | 7,366 |
| Provision for loan and lease losses | $9,000 | 5,108 |
| Total noninterest income | $39,000 | 7,151 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $30,000 | 5,964 |
| Total noninterest expense | $245,000 | 7,752 |
| Salaries and employee benefits | $154,000 | 7,564 |
| Premises and equipment expense | $38,000 | 7,268 |
| Additional noninterest expense | $53,000 | 8,024 |
| Pre-tax net operating income | $140,000 | 6,166 |
| Securities gains (losses) | $-3,000 | 8,110 |
| Applicable income taxes | $79,000 | 3,593 |
| Income before extraordinary items | $58,000 | 7,051 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $58,000 | 7,049 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $59,920 | 7,018 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,938,000 | 7,594 |
| Total interest expense | $735,000 | 7,462 |
| Net interest income | $1,203,000 | 7,585 |
| Provision for loan and lease losses | $24,000 | 6,182 |
| Total noninterest income | $153,000 | 7,287 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $33,000 | 7,126 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $120,000 | 6,013 |
| Total noninterest expense | $1,127,000 | 7,509 |
| Salaries and employee benefits | $785,000 | 7,011 |
| Premises and equipment expense | $139,000 | 7,386 |
| Additional noninterest expense | $203,000 | 8,103 |
| Pre-tax net operating income | $205,000 | 7,389 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $72,000 | 5,205 |
| Income before extraordinary items | $133,000 | 7,554 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $133,000 | 7,557 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,859 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $133,000 | 7,546 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,369,000 | 7,736 |
| Total interest expense | $501,000 | 7,586 |
| Net interest income | $868,000 | 7,710 |
| Provision for loan and lease losses | $18,000 | 6,058 |
| Total noninterest income | $115,000 | 7,339 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $25,000 | 7,196 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 6,036 |
| Total noninterest expense | $637,000 | 7,954 |
| Salaries and employee benefits | $393,000 | 7,800 |
| Premises and equipment expense | $101,000 | 7,440 |
| Additional noninterest expense | $143,000 | 8,194 |
| Pre-tax net operating income | $328,000 | 6,887 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $133,000 | 4,616 |
| Income before extraordinary items | $195,000 | 7,249 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $195,000 | 7,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,625 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $195,000 | 7,247 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $846,000 | 7,855 |
| Total interest expense | $305,000 | 7,680 |
| Net interest income | $541,000 | 7,849 |
| Provision for loan and lease losses | $12,000 | 5,878 |
| Total noninterest income | $80,000 | 7,329 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $17,000 | 7,246 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 5,990 |
| Total noninterest expense | $417,000 | 7,999 |
| Salaries and employee benefits | $261,000 | 7,845 |
| Premises and equipment expense | $60,000 | 7,622 |
| Additional noninterest expense | $96,000 | 8,205 |
| Pre-tax net operating income | $192,000 | 7,127 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $77,000 | 4,811 |
| Income before extraordinary items | $115,000 | 7,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $115,000 | 7,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,553 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $115,000 | 7,431 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $395,000 | 7,946 |
| Total interest expense | $129,000 | 7,854 |
| Net interest income | $266,000 | 7,890 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $43,000 | 7,194 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,807 |
| Total noninterest expense | $215,000 | 7,990 |
| Salaries and employee benefits | $131,000 | 7,857 |
| Premises and equipment expense | $32,000 | 7,546 |
| Additional noninterest expense | $52,000 | 8,118 |
| Pre-tax net operating income | $88,000 | 7,202 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $35,000 | 4,870 |
| Income before extraordinary items | $53,000 | 7,486 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $53,000 | 7,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $53,000 | 7,493 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,400,000 | 7,990 |
| Total interest expense | $384,000 | 7,941 |
| Net interest income | $1,016,000 | 7,912 |
| Provision for loan and lease losses | $24,000 | 6,374 |
| Total noninterest income | $352,000 | 5,996 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $56,000 | 6,984 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $296,000 | 4,366 |
| Total noninterest expense | $1,054,000 | 7,657 |
| Salaries and employee benefits | $728,000 | 7,163 |
| Premises and equipment expense | $125,000 | 7,587 |
| Additional noninterest expense | $201,000 | 8,221 |
| Pre-tax net operating income | $290,000 | 7,425 |
| Securities gains (losses) | $-13,000 | 7,637 |
| Applicable income taxes | $28,000 | 6,179 |
| Income before extraordinary items | $249,000 | 7,376 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $249,000 | 7,378 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,513 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $260,700 | 7,320 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,024,000 | 8,049 |
| Total interest expense | $275,000 | 7,983 |
| Net interest income | $749,000 | 7,987 |
| Provision for loan and lease losses | $18,000 | 6,207 |
| Total noninterest income | $312,000 | 5,688 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $45,000 | 6,963 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $267,000 | 4,003 |
| Total noninterest expense | $584,000 | 8,108 |
| Salaries and employee benefits | $352,000 | 7,980 |
| Premises and equipment expense | $90,000 | 7,632 |
| Additional noninterest expense | $142,000 | 8,282 |
| Pre-tax net operating income | $459,000 | 6,540 |
| Securities gains (losses) | $-12,000 | 7,977 |
| Applicable income taxes | $101,000 | 5,232 |
| Income before extraordinary items | $346,000 | 6,671 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $346,000 | 6,670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $355,240 | 6,579 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $667,000 | 8,082 |
| Total interest expense | $170,000 | 8,030 |
| Net interest income | $497,000 | 8,002 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $268,000 | 5,051 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $242,000 | 3,417 |
| Total noninterest expense | $386,000 | 8,111 |
| Salaries and employee benefits | $230,000 | 8,015 |
| Premises and equipment expense | $61,000 | 7,596 |
| Additional noninterest expense | $95,000 | 8,260 |
| Pre-tax net operating income | $367,000 | 6,180 |
| Securities gains (losses) | $-12,000 | 8,200 |
| Applicable income taxes | $65,000 | 5,284 |
| Income before extraordinary items | $290,000 | 6,190 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $290,000 | 6,193 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $299,840 | 6,077 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $319,000 | 8,187 |
| Total interest expense | $72,000 | 8,236 |
| Net interest income | $247,000 | 8,087 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $43,000 | 7,298 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $13,000 | 7,104 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $181,000 | 8,266 |
| Salaries and employee benefits | $100,000 | 8,269 |
| Premises and equipment expense | $33,000 | 7,563 |
| Additional noninterest expense | $48,000 | 8,312 |
| Pre-tax net operating income | $103,000 | 7,182 |
| Securities gains (losses) | $-5,000 | 8,378 |
| Applicable income taxes | $39,000 | 5,067 |
| Income before extraordinary items | $59,000 | 7,606 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $59,000 | 7,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $62,200 | 7,529 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,179,000 | 8,238 |
| Total interest expense | $230,000 | 8,366 |
| Net interest income | $949,000 | 8,096 |
| Provision for loan and lease losses | $24,000 | 6,604 |
| Total noninterest income | $143,000 | 7,672 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $41,000 | 7,422 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $102,000 | 6,384 |
| Total noninterest expense | $903,000 | 7,978 |
| Salaries and employee benefits | $556,000 | 7,817 |
| Premises and equipment expense | $124,000 | 7,662 |
| Additional noninterest expense | $223,000 | 8,173 |
| Pre-tax net operating income | $165,000 | 7,891 |
| Securities gains (losses) | $-25,000 | 8,437 |
| Applicable income taxes | $72,000 | 5,798 |
| Income before extraordinary items | $68,000 | 8,220 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $68,000 | 8,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,102 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $84,000 | 8,120 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $862,000 | 8,306 |
| Total interest expense | $162,000 | 8,450 |
| Net interest income | $700,000 | 8,157 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $105,000 | 7,727 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $30,000 | 7,486 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $75,000 | 6,422 |
| Total noninterest expense | $517,000 | 8,348 |
| Salaries and employee benefits | $279,000 | 8,385 |
| Premises and equipment expense | $92,000 | 7,681 |
| Additional noninterest expense | $146,000 | 8,339 |
| Pre-tax net operating income | $270,000 | 7,380 |
| Securities gains (losses) | $-23,000 | 8,676 |
| Applicable income taxes | $93,000 | 5,429 |
| Income before extraordinary items | $154,000 | 7,751 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $154,000 | 7,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $168,720 | 7,623 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $563,000 | 8,374 |
| Total interest expense | $104,000 | 8,549 |
| Net interest income | $459,000 | 8,240 |
| Provision for loan and lease losses | $12,000 | 6,242 |
| Total noninterest income | $68,000 | 7,813 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $18,000 | 7,579 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $50,000 | 6,428 |
| Total noninterest expense | $351,000 | 8,364 |
| Salaries and employee benefits | $190,000 | 8,414 |
| Premises and equipment expense | $61,000 | 7,711 |
| Additional noninterest expense | $100,000 | 8,355 |
| Pre-tax net operating income | $164,000 | 7,461 |
| Securities gains (losses) | $-16,000 | 8,765 |
| Applicable income taxes | $55,000 | 5,541 |
| Income before extraordinary items | $93,000 | 7,846 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $93,000 | 7,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,788 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $103,240 | 7,677 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $287,000 | 8,410 |
| Total interest expense | $53,000 | 8,586 |
| Net interest income | $234,000 | 8,237 |
| Provision for loan and lease losses | $6,000 | 5,941 |
| Total noninterest income | $37,000 | 7,710 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $9,000 | 7,564 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $28,000 | 6,237 |
| Total noninterest expense | $179,000 | 8,387 |
| Salaries and employee benefits | $94,000 | 8,461 |
| Premises and equipment expense | $31,000 | 7,720 |
| Additional noninterest expense | $54,000 | 8,302 |
| Pre-tax net operating income | $86,000 | 7,376 |
| Securities gains (losses) | $-12,000 | 8,930 |
| Applicable income taxes | $27,000 | 5,505 |
| Income before extraordinary items | $47,000 | 7,842 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $47,000 | 7,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,582 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $54,680 | 7,639 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,135,000 | 8,463 |
| Total interest expense | $245,000 | 8,623 |
| Net interest income | $890,000 | 8,278 |
| Provision for loan and lease losses | $24,000 | 6,956 |
| Total noninterest income | $220,000 | 7,182 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $46,000 | 7,489 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $174,000 | 5,563 |
| Total noninterest expense | $855,000 | 8,161 |
| Salaries and employee benefits | $513,000 | 8,032 |
| Premises and equipment expense | $135,000 | 7,604 |
| Additional noninterest expense | $207,000 | 8,403 |
| Pre-tax net operating income | $231,000 | 7,715 |
| Securities gains (losses) | $-23,000 | 8,882 |
| Applicable income taxes | $89,000 | 5,838 |
| Income before extraordinary items | $119,000 | 8,126 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $119,000 | 8,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 8,435 |
| Cash dividends | $150,000 | 5,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $133,720 | 7,960 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $846,000 | 8,559 |
| Total interest expense | $188,000 | 8,716 |
| Net interest income | $658,000 | 8,368 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $189,000 | 6,984 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $36,000 | 7,530 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $153,000 | 5,306 |
| Total noninterest expense | $542,000 | 8,420 |
| Salaries and employee benefits | $289,000 | 8,464 |
| Premises and equipment expense | $100,000 | 7,626 |
| Additional noninterest expense | $153,000 | 8,439 |
| Pre-tax net operating income | $287,000 | 7,240 |
| Securities gains (losses) | $-21,000 | 9,015 |
| Applicable income taxes | $101,000 | 5,555 |
| Income before extraordinary items | $165,000 | 7,815 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $165,000 | 7,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $178,440 | 7,584 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $565,000 | 8,608 |
| Total interest expense | $129,000 | 8,767 |
| Net interest income | $436,000 | 8,410 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $156,000 | 6,551 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $24,000 | 7,541 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $132,000 | 4,817 |
| Total noninterest expense | $372,000 | 8,401 |
| Salaries and employee benefits | $204,000 | 8,434 |
| Premises and equipment expense | $68,000 | 7,606 |
| Additional noninterest expense | $100,000 | 8,459 |
| Pre-tax net operating income | $208,000 | 7,144 |
| Securities gains (losses) | $-9,000 | 9,038 |
| Applicable income taxes | $77,000 | 5,454 |
| Income before extraordinary items | $122,000 | 7,731 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $122,000 | 7,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,111 |
| Cash dividends | $150,000 | 3,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $127,760 | 7,504 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $282,000 | 8,673 |
| Total interest expense | $68,000 | 8,805 |
| Net interest income | $214,000 | 8,478 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $123,000 | 5,400 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $188,000 | 8,428 |
| Salaries and employee benefits | $104,000 | 8,448 |
| Premises and equipment expense | $34,000 | 7,649 |
| Additional noninterest expense | $50,000 | 8,487 |
| Pre-tax net operating income | $143,000 | 6,558 |
| Securities gains (losses) | $-4,000 | 9,096 |
| Applicable income taxes | $56,000 | 4,942 |
| Income before extraordinary items | $83,000 | 7,225 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $83,000 | 7,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $150,000 | 2,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $85,560 | 7,019 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 8,686 |
| Total interest expense | $363,000 | 8,755 |
| Net interest income | $834,000 | 8,527 |
| Provision for loan and lease losses | $61,000 | 6,435 |
| Total noninterest income | $166,000 | 7,656 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $56,000 | 7,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $110,000 | 6,258 |
| Total noninterest expense | $770,000 | 8,400 |
| Salaries and employee benefits | $463,000 | 8,279 |
| Premises and equipment expense | $129,000 | 7,748 |
| Additional noninterest expense | $178,000 | 8,695 |
| Pre-tax net operating income | $169,000 | 8,054 |
| Securities gains (losses) | $-9,000 | 8,892 |
| Applicable income taxes | $71,000 | 6,269 |
| Income before extraordinary items | $89,000 | 8,383 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $89,000 | 8,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,727 |
| Cash dividends | $150,000 | 5,190 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $94,760 | 8,271 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,424,000 | 8,803 |
| Total interest expense | $680,000 | 8,663 |
| Net interest income | $744,000 | 8,783 |
| Provision for loan and lease losses | $84,000 | 5,921 |
| Total noninterest income | $163,000 | 7,706 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $52,000 | 7,559 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $111,000 | 6,181 |
| Total noninterest expense | $695,000 | 8,694 |
| Salaries and employee benefits | $385,000 | 8,692 |
| Premises and equipment expense | $129,000 | 7,863 |
| Additional noninterest expense | $181,000 | 8,812 |
| Pre-tax net operating income | $128,000 | 8,193 |
| Securities gains (losses) | $2,000 | 4,242 |
| Applicable income taxes | $36,000 | 6,952 |
| Income before extraordinary items | $94,000 | 8,372 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $94,000 | 8,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 4,283 |
| Cash dividends | $62,000 | 6,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $92,560 | 8,283 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,525,000 | 8,930 |
| Total interest expense | $797,000 | 8,657 |
| Net interest income | $728,000 | 9,048 |
| Provision for loan and lease losses | $24,000 | 7,446 |
| Total noninterest income | $173,000 | 7,567 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $54,000 | 7,530 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,021 |
| Total noninterest expense | $715,000 | 8,781 |
| Salaries and employee benefits | $402,000 | 8,741 |
| Premises and equipment expense | $131,000 | 7,898 |
| Additional noninterest expense | $182,000 | 8,957 |
| Pre-tax net operating income | $162,000 | 8,539 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $32,000 | 7,564 |
| Income before extraordinary items | $126,000 | 8,554 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $126,000 | 8,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,200 |
| Cash dividends | $75,000 | 6,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $129,200 | 8,531 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,527,000 | 9,037 |
| Total interest expense | $713,000 | 8,920 |
| Net interest income | $814,000 | 9,027 |
| Provision for loan and lease losses | $62,000 | 6,096 |
| Total noninterest income | $154,000 | 8,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 7,172 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,256 |
| Total noninterest expense | $715,000 | 8,988 |
| Salaries and employee benefits | $407,000 | 8,848 |
| Premises and equipment expense | $123,000 | 8,172 |
| Additional noninterest expense | $185,000 | 9,176 |
| Pre-tax net operating income | $191,000 | 8,624 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $42,000 | 7,769 |
| Income before extraordinary items | $152,000 | 8,626 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $152,000 | 8,625 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,165 |
| Cash dividends | $25,000 | 6,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $149,660 | 8,599 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 9,265 |
| Total interest expense | $832,000 | 8,849 |
| Net interest income | $692,000 | 9,516 |
| Provision for loan and lease losses | $83,000 | 5,519 |
| Total noninterest income | $194,000 | 7,655 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 6,208 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 7,800 |
| Total noninterest expense | $645,000 | 9,275 |
| Salaries and employee benefits | $339,000 | 9,368 |
| Premises and equipment expense | $120,000 | 8,264 |
| Additional noninterest expense | $186,000 | 9,280 |
| Pre-tax net operating income | $158,000 | 9,135 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $35,000 | 8,609 |
| Income before extraordinary items | $126,000 | 9,146 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $126,000 | 9,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,174 |
| Cash dividends | $50,000 | 6,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $123,660 | 9,092 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 9,651 |
| Total interest expense | $793,000 | 9,286 |
| Net interest income | $719,000 | 9,889 |
| Provision for loan and lease losses | $9,000 | 8,470 |
| Total noninterest income | $139,000 | 8,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 7,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 8,870 |
| Total noninterest expense | $706,000 | 9,385 |
| Salaries and employee benefits | $391,000 | 9,316 |
| Premises and equipment expense | $133,000 | 8,167 |
| Additional noninterest expense | $182,000 | 9,643 |
| Pre-tax net operating income | $143,000 | 9,887 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $30,000 | 9,560 |
| Income before extraordinary items | $113,000 | 9,883 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $113,000 | 9,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 10,281 |
| Cash dividends | $75,000 | 6,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $113,000 | 9,844 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,303,000 | 10,387 |
| Total interest expense | $673,000 | 10,048 |
| Net interest income | $630,000 | 10,573 |
| Provision for loan and lease losses | $9,000 | 8,632 |
| Total noninterest income | $224,000 | 7,911 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $66,000 | 8,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $158,000 | 5,829 |
| Total noninterest expense | $595,000 | 10,184 |
| Salaries and employee benefits | $296,000 | 10,380 |
| Premises and equipment expense | $120,000 | 8,791 |
| Additional noninterest expense | $179,000 | 10,185 |
| Pre-tax net operating income | $250,000 | 9,483 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $71,000 | 9,311 |
| Income before extraordinary items | $179,000 | 9,493 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $179,000 | 9,495 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $179,000 | 9,434 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,095,000 | 11,122 |
| Total interest expense | $566,000 | 10,787 |
| Net interest income | $529,000 | 11,331 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $70,000 | 10,954 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $37,000 | 9,619 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 10,076 |
| Total noninterest expense | $577,000 | 10,674 |
| Salaries and employee benefits | $280,000 | 10,920 |
| Premises and equipment expense | $151,000 | 8,239 |
| Additional noninterest expense | $146,000 | 11,099 |
| Pre-tax net operating income | $-23,000 | 11,531 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-26,000 | 11,576 |
| Income before extraordinary items | $3,000 | 11,484 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,000 | 11,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,745 |
| Cash dividends | $83,000 | 7,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,000 | 11,453 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $903,000 | 11,889 |
| Total interest expense | $336,000 | 11,879 |
| Net interest income | $567,000 | 11,809 |
| Provision for loan and lease losses | $9,000 | 8,587 |
| Total noninterest income | $53,000 | 11,875 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 10,401 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 11,043 |
| Total noninterest expense | $505,000 | 11,601 |
| Salaries and employee benefits | $262,000 | 11,555 |
| Premises and equipment expense | $86,000 | 10,464 |
| Additional noninterest expense | $157,000 | 11,703 |
| Pre-tax net operating income | $106,000 | 11,591 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $35,000 | 10,807 |
| Income before extraordinary items | $71,000 | 11,649 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $71,000 | 11,657 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $73,000 | 7,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $71,000 | 11,686 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $942,000 | 12,410 |
| Total interest expense | $354,000 | 12,423 |
| Net interest income | $588,000 | 12,260 |
| Provision for loan and lease losses | $9,000 | 9,850 |
| Total noninterest income | $59,000 | 12,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 10,806 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 11,240 |
| Total noninterest expense | $502,000 | 12,158 |
| Salaries and employee benefits | $254,000 | 12,146 |
| Premises and equipment expense | $80,000 | 11,146 |
| Additional noninterest expense | $168,000 | 12,178 |
| Pre-tax net operating income | $136,000 | 11,586 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $52,000 | 10,892 |
| Income before extraordinary items | $91,000 | 11,888 |
| Extraordinary gains, net | $-38,000 | 12,632 |
| Net income | $53,000 | 12,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 11,470 |
| Cash dividends | $107,000 | 6,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $86,520 | 11,756 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $984,000 | 13,049 |
| Total interest expense | $459,000 | 12,926 |
| Net interest income | $525,000 | 12,989 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $85,000 | 12,134 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $47,000 | 10,435 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 11,181 |
| Total noninterest expense | $477,000 | 12,768 |
| Salaries and employee benefits | $237,000 | 12,746 |
| Premises and equipment expense | $75,000 | 11,682 |
| Additional noninterest expense | $165,000 | 12,720 |
| Pre-tax net operating income | $121,000 | 11,796 |
| Securities gains (losses) | $-2,000 | 12,861 |
| Applicable income taxes | $12,000 | 12,318 |
| Income before extraordinary items | $107,000 | 11,849 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $107,000 | 11,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 9,788 |
| Cash dividends | $54,000 | 7,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $108,800 | 11,526 |
* 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.