Home > Adams National Bank > Income and Expense
Adams National Bank, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,830,000 | 2,518 |
| Total interest expense | $475,000 | 3,179 |
| Net interest income | $2,355,000 | 2,315 |
| Provision for loan and lease losses | $150,000 | 2,750 |
| Total noninterest income | $466,000 | 2,113 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $77,000 | 3,505 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $389,000 | 1,598 |
| Total noninterest expense | $2,064,000 | 2,359 |
| Salaries and employee benefits | $749,000 | 3,155 |
| Premises and equipment expense | $434,000 | 1,486 |
| Additional noninterest expense | $881,000 | 1,921 |
| Pre-tax net operating income | $607,000 | 2,200 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $225,000 | 1,388 |
| Income before extraordinary items | $382,000 | 2,764 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $382,000 | 2,763 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $382,000 | 2,764 |
| Net charge-offs | $5,000 | 4,645 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $382,000 | 2,699 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,663,000 | 2,369 |
| Total interest expense | $1,874,000 | 3,736 |
| Net interest income | $10,789,000 | 2,022 |
| Provision for loan and lease losses | $1,647,000 | 2,333 |
| Total noninterest income | $1,748,000 | 2,281 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $435,000 | 2,918 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,313,000 | 1,846 |
| Total noninterest expense | $9,093,000 | 2,132 |
| Salaries and employee benefits | $3,427,000 | 2,785 |
| Premises and equipment expense | $1,736,000 | 1,479 |
| Additional noninterest expense | $3,930,000 | 1,837 |
| Pre-tax net operating income | $1,797,000 | 2,431 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $636,000 | 1,669 |
| Income before extraordinary items | $1,161,000 | 2,974 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,161,000 | 2,971 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,161,000 | 2,974 |
| Net charge-offs | $104,000 | 5,380 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,161,000 | 2,851 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,839,000 | 2,345 |
| Total interest expense | $1,379,000 | 3,921 |
| Net interest income | $8,460,000 | 1,963 |
| Provision for loan and lease losses | $1,497,000 | 1,983 |
| Total noninterest income | $950,000 | 2,827 |
| 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 | $605,000 | 2,470 |
| Total noninterest expense | $6,764,000 | 2,144 |
| Salaries and employee benefits | $2,663,000 | 2,703 |
| Premises and equipment expense | $1,315,000 | 1,478 |
| Additional noninterest expense | $2,786,000 | 1,878 |
| Pre-tax net operating income | $1,149,000 | 2,853 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $395,000 | 1,886 |
| Income before extraordinary items | $754,000 | 3,383 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $754,000 | 3,382 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $754,000 | 3,383 |
| Net charge-offs | $5,000 | 6,437 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $754,000 | 3,243 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,002,000 | 2,238 |
| Total interest expense | $889,000 | 4,093 |
| Net interest income | $6,113,000 | 1,833 |
| Provision for loan and lease losses | $1,347,000 | 1,631 |
| Total noninterest income | $449,000 | 3,427 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $236,000 | 2,826 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $213,000 | 3,409 |
| Total noninterest expense | $4,478,000 | 2,163 |
| Salaries and employee benefits | $1,828,000 | 2,642 |
| Premises and equipment expense | $882,000 | 1,493 |
| Additional noninterest expense | $1,768,000 | 1,952 |
| Pre-tax net operating income | $737,000 | 2,938 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $252,000 | 1,900 |
| Income before extraordinary items | $485,000 | 3,468 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $485,000 | 3,465 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $485,000 | 3,467 |
| Net charge-offs | $6,000 | 6,008 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $485,000 | 3,352 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,726,000 | 2,140 |
| Total interest expense | $443,000 | 4,229 |
| Net interest income | $3,283,000 | 1,731 |
| Provision for loan and lease losses | $350,000 | 2,221 |
| Total noninterest income | $213,000 | 3,512 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $111,000 | 2,947 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $102,000 | 3,485 |
| Total noninterest expense | $2,270,000 | 2,143 |
| Salaries and employee benefits | $956,000 | 2,572 |
| Premises and equipment expense | $433,000 | 1,559 |
| Additional noninterest expense | $881,000 | 1,933 |
| Pre-tax net operating income | $876,000 | 1,493 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $333,000 | 958 |
| Income before extraordinary items | $543,000 | 1,992 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $543,000 | 1,990 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $543,000 | 1,992 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $543,000 | 1,913 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,576,000 | 5,975 |
| Total interest expense | $375,000 | 7,403 |
| Net interest income | $3,201,000 | 5,217 |
| Provision for loan and lease losses | $150,000 | 6,058 |
| Total noninterest income | $243,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $115,000 | 5,554 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $128,000 | 5,326 |
| Total noninterest expense | $2,535,000 | 5,644 |
| Salaries and employee benefits | $1,005,000 | 6,221 |
| Premises and equipment expense | $454,000 | 4,645 |
| Additional noninterest expense | $1,076,000 | 5,033 |
| Pre-tax net operating income | $759,000 | 3,428 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $284,000 | 2,076 |
| Income before extraordinary items | $475,000 | 3,940 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $475,000 | 3,939 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $475,000 | 3,939 |
| Net charge-offs | $52,000 | 6,185 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $475,000 | 3,864 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,928,000 | 2,323 |
| Total interest expense | $3,472,000 | 2,519 |
| Net interest income | $7,456,000 | 2,203 |
| Provision for loan and lease losses | $650,000 | 3,400 |
| Total noninterest income | $975,000 | 2,869 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $412,000 | 2,705 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $563,000 | 2,616 |
| Total noninterest expense | $9,581,000 | 1,598 |
| Salaries and employee benefits | $3,316,000 | 2,241 |
| Premises and equipment expense | $1,348,000 | 1,521 |
| Additional noninterest expense | $4,917,000 | 1,142 |
| Pre-tax net operating income | $-1,800,000 | 6,973 |
| Securities gains (losses) | $-31,000 | 7,324 |
| Applicable income taxes | $-824,000 | 7,493 |
| Income before extraordinary items | $-1,007,000 | 6,754 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,007,000 | 6,755 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,007,000 | 6,755 |
| Net charge-offs | $938,000 | 2,273 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-987,160 | 6,735 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,558,000 | 2,281 |
| Total interest expense | $2,476,000 | 2,476 |
| Net interest income | $5,082,000 | 2,149 |
| Provision for loan and lease losses | $500,000 | 2,961 |
| Total noninterest income | $663,000 | 2,840 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $275,000 | 2,679 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $388,000 | 2,598 |
| Total noninterest expense | $5,715,000 | 1,791 |
| Salaries and employee benefits | $2,328,000 | 2,163 |
| Premises and equipment expense | $873,000 | 1,593 |
| Additional noninterest expense | $2,514,000 | 1,475 |
| Pre-tax net operating income | $-470,000 | 6,613 |
| Securities gains (losses) | $-31,000 | 7,560 |
| Applicable income taxes | $-263,000 | 7,380 |
| Income before extraordinary items | $-238,000 | 6,448 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-238,000 | 6,447 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-238,000 | 6,447 |
| Net charge-offs | $41,000 | 5,092 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-218,160 | 6,401 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,924,000 | 2,244 |
| Total interest expense | $1,381,000 | 2,312 |
| Net interest income | $2,543,000 | 2,151 |
| Provision for loan and lease losses | $350,000 | 2,122 |
| Total noninterest income | $324,000 | 2,882 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $134,000 | 2,678 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $190,000 | 2,591 |
| Total noninterest expense | $2,781,000 | 1,781 |
| Salaries and employee benefits | $1,236,000 | 2,069 |
| Premises and equipment expense | $432,000 | 1,638 |
| Additional noninterest expense | $1,113,000 | 1,461 |
| Pre-tax net operating income | $-264,000 | 7,005 |
| Securities gains (losses) | $-32,000 | 7,905 |
| Applicable income taxes | $-134,000 | 7,620 |
| Income before extraordinary items | $-162,000 | 6,968 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-162,000 | 6,969 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-162,000 | 6,969 |
| Net charge-offs | $137,000 | 2,509 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-141,520 | 6,832 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,972,000 | 1,911 |
| Total interest expense | $8,111,000 | 1,946 |
| Net interest income | $11,861,000 | 1,878 |
| Provision for loan and lease losses | $9,478,000 | 626 |
| Total noninterest income | $1,321,000 | 2,868 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $524,000 | 2,909 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $797,000 | 2,459 |
| Total noninterest expense | $9,653,000 | 2,001 |
| Salaries and employee benefits | $4,554,000 | 2,227 |
| Premises and equipment expense | $1,771,000 | 1,563 |
| Additional noninterest expense | $3,328,000 | 1,840 |
| Pre-tax net operating income | $-5,949,000 | 7,855 |
| Securities gains (losses) | $-655,000 | 7,615 |
| Applicable income taxes | $-2,779,000 | 7,998 |
| Income before extraordinary items | $-3,825,000 | 7,713 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,825,000 | 7,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,313,000 | 934 |
| Cash dividends | $650,000 | 2,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-3,405,800 | 7,739 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,701,000 | 1,867 |
| Total interest expense | $6,384,000 | 1,929 |
| Net interest income | $9,317,000 | 1,808 |
| Provision for loan and lease losses | $6,679,000 | 532 |
| Total noninterest income | $974,000 | 2,956 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $372,000 | 3,067 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $602,000 | 2,529 |
| Total noninterest expense | $6,888,000 | 2,084 |
| Salaries and employee benefits | $3,492,000 | 2,213 |
| Premises and equipment expense | $1,326,000 | 1,580 |
| Additional noninterest expense | $2,070,000 | 2,094 |
| Pre-tax net operating income | $-3,276,000 | 8,044 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,406,000 | 8,124 |
| Income before extraordinary items | $-1,870,000 | 7,836 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,870,000 | 7,836 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,518,000 | 1,006 |
| Cash dividends | $650,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,870,000 | 7,913 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,549,000 | 1,878 |
| Total interest expense | $4,436,000 | 1,942 |
| Net interest income | $6,113,000 | 1,835 |
| Provision for loan and lease losses | $1,049,000 | 1,186 |
| Total noninterest income | $680,000 | 2,905 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $248,000 | 3,037 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $432,000 | 2,464 |
| Total noninterest expense | $4,441,000 | 2,161 |
| Salaries and employee benefits | $2,246,000 | 2,309 |
| Premises and equipment expense | $874,000 | 1,593 |
| Additional noninterest expense | $1,321,000 | 2,144 |
| Pre-tax net operating income | $1,303,000 | 2,468 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $503,000 | 1,590 |
| Income before extraordinary items | $800,000 | 3,048 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $800,000 | 3,050 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,406,000 | 698 |
| Cash dividends | $650,000 | 1,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $800,000 | 3,000 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,363,000 | 1,908 |
| Total interest expense | $2,409,000 | 1,925 |
| Net interest income | $2,954,000 | 1,890 |
| Provision for loan and lease losses | $90,000 | 2,858 |
| Total noninterest income | $330,000 | 2,941 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $124,000 | 2,985 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $206,000 | 2,524 |
| Total noninterest expense | $2,149,000 | 2,222 |
| Salaries and employee benefits | $1,145,000 | 2,299 |
| Premises and equipment expense | $437,000 | 1,603 |
| Additional noninterest expense | $567,000 | 2,426 |
| Pre-tax net operating income | $1,045,000 | 1,718 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $413,000 | 1,170 |
| Income before extraordinary items | $632,000 | 2,212 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $632,000 | 2,215 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 8,420 |
| Cash dividends | $250,000 | 2,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $632,000 | 2,139 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $24,483,000 | 1,750 |
| Total interest expense | $11,531,000 | 1,738 |
| Net interest income | $12,952,000 | 1,752 |
| Provision for loan and lease losses | $300,000 | 3,174 |
| Total noninterest income | $1,311,000 | 2,961 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $522,000 | 2,952 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $789,000 | 2,573 |
| Total noninterest expense | $9,253,000 | 1,993 |
| Salaries and employee benefits | $4,500,000 | 2,238 |
| Premises and equipment expense | $1,708,000 | 1,554 |
| Additional noninterest expense | $3,045,000 | 1,810 |
| Pre-tax net operating income | $4,710,000 | 1,730 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,887,000 | 1,182 |
| Income before extraordinary items | $2,823,000 | 2,132 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,823,000 | 2,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $610,000 | 1,470 |
| Cash dividends | $2,225,000 | 1,494 |
| Sale, conversion, retirement of capital stock, net | $-250,000 | 8,460 |
| Net operating income | $2,823,000 | 2,117 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $18,532,000 | 1,738 |
| Total interest expense | $8,744,000 | 1,713 |
| Net interest income | $9,788,000 | 1,734 |
| Provision for loan and lease losses | $225,000 | 2,782 |
| Total noninterest income | $993,000 | 2,931 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $391,000 | 2,951 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $602,000 | 2,555 |
| Total noninterest expense | $6,643,000 | 2,057 |
| Salaries and employee benefits | $3,379,000 | 2,233 |
| Premises and equipment expense | $1,284,000 | 1,547 |
| Additional noninterest expense | $1,980,000 | 2,028 |
| Pre-tax net operating income | $3,913,000 | 1,703 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,571,000 | 1,174 |
| Income before extraordinary items | $2,342,000 | 2,096 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,342,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,960 |
| Cash dividends | $1,825,000 | 1,307 |
| Sale, conversion, retirement of capital stock, net | $-250,000 | 8,503 |
| Net operating income | $2,342,000 | 2,075 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $12,187,000 | 1,776 |
| Total interest expense | $5,569,000 | 1,787 |
| Net interest income | $6,618,000 | 1,731 |
| Provision for loan and lease losses | $150,000 | 2,579 |
| Total noninterest income | $646,000 | 2,996 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $272,000 | 2,857 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $374,000 | 2,669 |
| Total noninterest expense | $4,414,000 | 2,085 |
| Salaries and employee benefits | $2,264,000 | 2,265 |
| Premises and equipment expense | $854,000 | 1,565 |
| Additional noninterest expense | $1,296,000 | 2,073 |
| Pre-tax net operating income | $2,700,000 | 1,696 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,087,000 | 1,197 |
| Income before extraordinary items | $1,613,000 | 2,100 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,613,000 | 2,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,747 |
| Cash dividends | $1,175,000 | 1,366 |
| Sale, conversion, retirement of capital stock, net | $-250,000 | 8,576 |
| Net operating income | $1,613,000 | 2,086 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,962,000 | 1,811 |
| Total interest expense | $2,657,000 | 1,853 |
| Net interest income | $3,305,000 | 1,741 |
| Provision for loan and lease losses | $75,000 | 2,404 |
| Total noninterest income | $327,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $143,000 | 2,690 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $184,000 | 2,677 |
| Total noninterest expense | $2,199,000 | 2,100 |
| Salaries and employee benefits | $1,168,000 | 2,206 |
| Premises and equipment expense | $424,000 | 1,579 |
| Additional noninterest expense | $607,000 | 2,172 |
| Pre-tax net operating income | $1,358,000 | 1,683 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $548,000 | 1,200 |
| Income before extraordinary items | $810,000 | 2,045 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $810,000 | 2,045 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 1,580 |
| Cash dividends | $475,000 | 1,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $810,000 | 2,038 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,245,000 | 1,890 |
| Total interest expense | $7,935,000 | 2,061 |
| Net interest income | $13,310,000 | 1,727 |
| Provision for loan and lease losses | $250,000 | 3,097 |
| Total noninterest income | $1,674,000 | 2,505 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $478,000 | 3,154 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,196,000 | 1,970 |
| Total noninterest expense | $8,774,000 | 2,009 |
| Salaries and employee benefits | $4,591,000 | 2,131 |
| Premises and equipment expense | $1,638,000 | 1,570 |
| Additional noninterest expense | $2,545,000 | 2,071 |
| Pre-tax net operating income | $5,960,000 | 1,614 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,395,000 | 1,150 |
| Income before extraordinary items | $3,565,000 | 1,983 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,565,000 | 1,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-234,000 | 8,593 |
| Cash dividends | $2,500,000 | 1,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,565,000 | 1,968 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,249,000 | 1,945 |
| Total interest expense | $5,453,000 | 2,168 |
| Net interest income | $9,796,000 | 1,780 |
| Provision for loan and lease losses | $200,000 | 2,859 |
| Total noninterest income | $1,181,000 | 2,622 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $368,000 | 3,111 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $813,000 | 2,105 |
| Total noninterest expense | $6,455,000 | 2,040 |
| Salaries and employee benefits | $3,437,000 | 2,136 |
| Premises and equipment expense | $1,227,000 | 1,584 |
| Additional noninterest expense | $1,791,000 | 2,182 |
| Pre-tax net operating income | $4,322,000 | 1,727 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,733,000 | 1,239 |
| Income before extraordinary items | $2,589,000 | 2,098 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,589,000 | 2,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $2,250,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,589,000 | 2,087 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,596,000 | 2,009 |
| Total interest expense | $3,311,000 | 2,241 |
| Net interest income | $6,285,000 | 1,850 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $851,000 | 2,489 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $246,000 | 3,088 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $605,000 | 1,946 |
| Total noninterest expense | $4,192,000 | 2,102 |
| Salaries and employee benefits | $2,291,000 | 2,149 |
| Premises and equipment expense | $798,000 | 1,618 |
| Additional noninterest expense | $1,103,000 | 2,341 |
| Pre-tax net operating income | $2,819,000 | 1,751 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,128,000 | 1,261 |
| Income before extraordinary items | $1,691,000 | 2,125 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,691,000 | 2,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-158,000 | 8,651 |
| Cash dividends | $1,500,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,691,000 | 2,107 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,589,000 | 2,051 |
| Total interest expense | $1,482,000 | 2,352 |
| Net interest income | $3,107,000 | 1,858 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $392,000 | 2,580 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $127,000 | 2,956 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $265,000 | 2,123 |
| Total noninterest expense | $2,118,000 | 2,088 |
| Salaries and employee benefits | $1,196,000 | 2,056 |
| Premises and equipment expense | $381,000 | 1,682 |
| Additional noninterest expense | $541,000 | 2,378 |
| Pre-tax net operating income | $1,331,000 | 1,813 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $531,000 | 1,327 |
| Income before extraordinary items | $800,000 | 2,185 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $800,000 | 2,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-116,000 | 8,664 |
| Cash dividends | $750,000 | 954 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $800,000 | 2,164 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,763,000 | 1,998 |
| Total interest expense | $3,826,000 | 2,749 |
| Net interest income | $12,937,000 | 1,700 |
| Provision for loan and lease losses | $310,000 | 2,744 |
| Total noninterest income | $1,793,000 | 2,382 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $587,000 | 2,712 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,206,000 | 1,960 |
| Total noninterest expense | $8,160,000 | 2,048 |
| Salaries and employee benefits | $4,533,000 | 2,028 |
| Premises and equipment expense | $1,387,000 | 1,744 |
| Additional noninterest expense | $2,240,000 | 2,231 |
| Pre-tax net operating income | $6,260,000 | 1,526 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,493,000 | 1,129 |
| Income before extraordinary items | $3,767,000 | 1,827 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,767,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-125,000 | 8,662 |
| Cash dividends | $2,525,000 | 1,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,767,000 | 1,804 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,240,000 | 1,990 |
| Total interest expense | $2,555,000 | 2,879 |
| Net interest income | $9,685,000 | 1,674 |
| Provision for loan and lease losses | $220,000 | 2,803 |
| Total noninterest income | $1,318,000 | 2,417 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $463,000 | 2,597 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $855,000 | 2,034 |
| Total noninterest expense | $6,076,000 | 2,041 |
| Salaries and employee benefits | $3,411,000 | 1,997 |
| Premises and equipment expense | $1,002,000 | 1,799 |
| Additional noninterest expense | $1,663,000 | 2,223 |
| Pre-tax net operating income | $4,707,000 | 1,523 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,873,000 | 1,135 |
| Income before extraordinary items | $2,834,000 | 1,851 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,834,000 | 1,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-111,000 | 8,653 |
| Cash dividends | $1,775,000 | 1,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,834,000 | 1,810 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,805,000 | 2,020 |
| Total interest expense | $1,530,000 | 2,999 |
| Net interest income | $6,275,000 | 1,709 |
| Provision for loan and lease losses | $100,000 | 3,338 |
| Total noninterest income | $980,000 | 2,207 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $330,000 | 2,423 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $650,000 | 1,824 |
| Total noninterest expense | $3,833,000 | 2,132 |
| Salaries and employee benefits | $2,088,000 | 2,167 |
| Premises and equipment expense | $663,000 | 1,800 |
| Additional noninterest expense | $1,082,000 | 2,262 |
| Pre-tax net operating income | $3,322,000 | 1,409 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,322,000 | 1,064 |
| Income before extraordinary items | $2,000,000 | 1,715 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,000,000 | 1,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-50,000 | 8,480 |
| Cash dividends | $1,175,000 | 1,151 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,000,000 | 1,685 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,747,000 | 2,059 |
| Total interest expense | $619,000 | 3,429 |
| Net interest income | $3,128,000 | 1,711 |
| Provision for loan and lease losses | $65,000 | 2,741 |
| Total noninterest income | $445,000 | 2,323 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $171,000 | 2,297 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $274,000 | 2,007 |
| Total noninterest expense | $1,870,000 | 2,207 |
| Salaries and employee benefits | $1,038,000 | 2,184 |
| Premises and equipment expense | $334,000 | 1,799 |
| Additional noninterest expense | $498,000 | 2,444 |
| Pre-tax net operating income | $1,638,000 | 1,395 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $650,000 | 1,068 |
| Income before extraordinary items | $988,000 | 1,696 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $988,000 | 1,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 8,784 |
| Cash dividends | $475,000 | 1,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $988,000 | 1,664 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $13,832,000 | 2,052 |
| Total interest expense | $1,989,000 | 3,673 |
| Net interest income | $11,843,000 | 1,708 |
| Provision for loan and lease losses | $420,000 | 2,272 |
| Total noninterest income | $1,987,000 | 2,209 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $763,000 | 2,229 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,224,000 | 1,879 |
| Total noninterest expense | $7,051,000 | 2,269 |
| Salaries and employee benefits | $3,600,000 | 2,419 |
| Premises and equipment expense | $1,357,000 | 1,711 |
| Additional noninterest expense | $2,094,000 | 2,320 |
| Pre-tax net operating income | $6,359,000 | 1,364 |
| Securities gains (losses) | $87,000 | 1,344 |
| Applicable income taxes | $2,569,000 | 1,021 |
| Income before extraordinary items | $3,877,000 | 1,661 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,877,000 | 1,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,442 |
| Cash dividends | $1,675,000 | 1,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,821,320 | 1,630 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,112,000 | 2,084 |
| Total interest expense | $1,425,000 | 3,758 |
| Net interest income | $8,687,000 | 1,739 |
| Provision for loan and lease losses | $315,000 | 2,173 |
| Total noninterest income | $1,356,000 | 2,365 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $596,000 | 2,170 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $760,000 | 2,146 |
| Total noninterest expense | $5,202,000 | 2,284 |
| Salaries and employee benefits | $2,636,000 | 2,455 |
| Premises and equipment expense | $1,012,000 | 1,714 |
| Additional noninterest expense | $1,554,000 | 2,320 |
| Pre-tax net operating income | $4,526,000 | 1,433 |
| Securities gains (losses) | $87,000 | 1,278 |
| Applicable income taxes | $1,839,000 | 1,089 |
| Income before extraordinary items | $2,774,000 | 1,747 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,774,000 | 1,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,449 |
| Cash dividends | $1,275,000 | 1,433 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,718,320 | 1,727 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,618,000 | 2,117 |
| Total interest expense | $924,000 | 3,843 |
| Net interest income | $5,694,000 | 1,755 |
| Provision for loan and lease losses | $210,000 | 2,090 |
| Total noninterest income | $921,000 | 2,324 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $426,000 | 2,028 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $495,000 | 2,204 |
| Total noninterest expense | $3,480,000 | 2,275 |
| Salaries and employee benefits | $1,743,000 | 2,466 |
| Premises and equipment expense | $674,000 | 1,716 |
| Additional noninterest expense | $1,063,000 | 2,268 |
| Pre-tax net operating income | $2,925,000 | 1,453 |
| Securities gains (losses) | $40,000 | 1,595 |
| Applicable income taxes | $1,182,000 | 1,121 |
| Income before extraordinary items | $1,783,000 | 1,782 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,783,000 | 1,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,035 |
| Cash dividends | $850,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,757,400 | 1,748 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,286,000 | 2,127 |
| Total interest expense | $460,000 | 3,900 |
| Net interest income | $2,826,000 | 1,761 |
| Provision for loan and lease losses | $105,000 | 2,016 |
| Total noninterest income | $453,000 | 2,327 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $217,000 | 1,928 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $236,000 | 2,214 |
| Total noninterest expense | $1,725,000 | 2,307 |
| Salaries and employee benefits | $874,000 | 2,476 |
| Premises and equipment expense | $334,000 | 1,742 |
| Additional noninterest expense | $517,000 | 2,289 |
| Pre-tax net operating income | $1,449,000 | 1,430 |
| Securities gains (losses) | $27,000 | 1,550 |
| Applicable income taxes | $588,000 | 1,144 |
| Income before extraordinary items | $888,000 | 1,762 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $888,000 | 1,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,115 |
| Cash dividends | $425,000 | 1,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $870,720 | 1,718 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,558,000 | 2,289 |
| Total interest expense | $2,097,000 | 3,881 |
| Net interest income | $10,461,000 | 1,869 |
| Provision for loan and lease losses | $591,000 | 1,906 |
| Total noninterest income | $2,064,000 | 2,276 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $941,000 | 1,841 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,123,000 | 2,215 |
| Total noninterest expense | $6,361,000 | 2,472 |
| Salaries and employee benefits | $3,175,000 | 2,648 |
| Premises and equipment expense | $1,310,000 | 1,736 |
| Additional noninterest expense | $1,876,000 | 2,543 |
| Pre-tax net operating income | $5,573,000 | 1,485 |
| Securities gains (losses) | $70,000 | 2,206 |
| Applicable income taxes | $2,256,000 | 1,170 |
| Income before extraordinary items | $3,387,000 | 1,834 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,387,000 | 1,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $769,000 | 1,130 |
| Cash dividends | $1,605,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,342,200 | 1,769 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,329,000 | 2,351 |
| Total interest expense | $1,603,000 | 3,939 |
| Net interest income | $7,726,000 | 1,903 |
| Provision for loan and lease losses | $471,000 | 1,748 |
| Total noninterest income | $1,536,000 | 2,316 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $691,000 | 1,877 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $845,000 | 2,297 |
| Total noninterest expense | $4,690,000 | 2,512 |
| Salaries and employee benefits | $2,365,000 | 2,671 |
| Premises and equipment expense | $945,000 | 1,823 |
| Additional noninterest expense | $1,380,000 | 2,570 |
| Pre-tax net operating income | $4,101,000 | 1,545 |
| Securities gains (losses) | $70,000 | 2,036 |
| Applicable income taxes | $1,668,000 | 1,233 |
| Income before extraordinary items | $2,503,000 | 1,920 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,503,000 | 1,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $370,000 | 1,474 |
| Cash dividends | $1,130,000 | 1,591 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,458,200 | 1,856 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,209,000 | 2,363 |
| Total interest expense | $1,073,000 | 4,022 |
| Net interest income | $5,136,000 | 1,907 |
| Provision for loan and lease losses | $381,000 | 1,461 |
| Total noninterest income | $1,019,000 | 2,328 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $457,000 | 1,852 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $562,000 | 2,270 |
| Total noninterest expense | $3,055,000 | 2,553 |
| Salaries and employee benefits | $1,558,000 | 2,697 |
| Premises and equipment expense | $603,000 | 1,890 |
| Additional noninterest expense | $894,000 | 2,635 |
| Pre-tax net operating income | $2,719,000 | 1,548 |
| Securities gains (losses) | $29,000 | 2,379 |
| Applicable income taxes | $1,099,000 | 1,269 |
| Income before extraordinary items | $1,649,000 | 1,932 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,649,000 | 1,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 1,035 |
| Cash dividends | $730,000 | 1,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,630,440 | 1,840 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,135,000 | 2,351 |
| Total interest expense | $519,000 | 4,218 |
| Net interest income | $2,616,000 | 1,871 |
| Provision for loan and lease losses | $70,000 | 3,059 |
| Total noninterest income | $516,000 | 2,238 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $231,000 | 1,769 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $285,000 | 2,182 |
| Total noninterest expense | $1,500,000 | 2,586 |
| Salaries and employee benefits | $786,000 | 2,657 |
| Premises and equipment expense | $277,000 | 2,058 |
| Additional noninterest expense | $437,000 | 2,639 |
| Pre-tax net operating income | $1,562,000 | 1,369 |
| Securities gains (losses) | $29,000 | 1,711 |
| Applicable income taxes | $640,000 | 1,138 |
| Income before extraordinary items | $951,000 | 1,686 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $951,000 | 1,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $350,000 | 1,587 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $932,440 | 1,604 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,833,000 | 2,407 |
| Total interest expense | $2,584,000 | 3,993 |
| Net interest income | $10,249,000 | 1,897 |
| Provision for loan and lease losses | $443,000 | 2,618 |
| Total noninterest income | $2,053,000 | 2,080 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $880,000 | 1,826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,173,000 | 1,963 |
| Total noninterest expense | $5,819,000 | 2,539 |
| Salaries and employee benefits | $2,911,000 | 2,704 |
| Premises and equipment expense | $1,180,000 | 1,878 |
| Additional noninterest expense | $1,728,000 | 2,632 |
| Pre-tax net operating income | $6,040,000 | 1,393 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $2,421,000 | 1,106 |
| Income before extraordinary items | $3,619,000 | 1,652 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,619,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,060 |
| Cash dividends | $1,400,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,619,000 | 1,602 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,738,000 | 2,671 |
| Total interest expense | $3,739,000 | 4,006 |
| Net interest income | $8,999,000 | 1,978 |
| Provision for loan and lease losses | $260,000 | 3,515 |
| Total noninterest income | $1,891,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,570,000 | 944 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $321,000 | 3,969 |
| Total noninterest expense | $5,732,000 | 2,478 |
| Salaries and employee benefits | $2,933,000 | 2,562 |
| Premises and equipment expense | $1,153,000 | 1,861 |
| Additional noninterest expense | $1,646,000 | 2,652 |
| Pre-tax net operating income | $4,898,000 | 1,470 |
| Securities gains (losses) | $189,000 | 1,238 |
| Applicable income taxes | $1,953,000 | 1,209 |
| Income before extraordinary items | $3,134,000 | 1,674 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,134,000 | 1,675 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,439 |
| Cash dividends | $1,100,000 | 2,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,013,040 | 1,673 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $12,815,000 | 2,716 |
| Total interest expense | $4,074,000 | 3,913 |
| Net interest income | $8,741,000 | 2,027 |
| Provision for loan and lease losses | $536,000 | 1,776 |
| Total noninterest income | $1,645,000 | 2,185 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,351,000 | 1,000 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $294,000 | 3,971 |
| Total noninterest expense | $5,385,000 | 2,532 |
| Salaries and employee benefits | $2,522,000 | 2,810 |
| Premises and equipment expense | $1,229,000 | 1,696 |
| Additional noninterest expense | $1,634,000 | 2,610 |
| Pre-tax net operating income | $4,465,000 | 1,642 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,773,000 | 1,297 |
| Income before extraordinary items | $2,692,000 | 1,940 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,692,000 | 1,940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,044 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 611 |
| Net operating income | $2,692,000 | 1,940 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $10,638,000 | 3,034 |
| Total interest expense | $3,350,000 | 4,198 |
| Net interest income | $7,288,000 | 2,419 |
| Provision for loan and lease losses | $90,000 | 5,432 |
| Total noninterest income | $1,627,000 | 2,174 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,357,000 | 982 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $270,000 | 4,263 |
| Total noninterest expense | $5,136,000 | 2,627 |
| Salaries and employee benefits | $2,383,000 | 2,939 |
| Premises and equipment expense | $1,235,000 | 1,650 |
| Additional noninterest expense | $1,518,000 | 2,830 |
| Pre-tax net operating income | $3,689,000 | 1,991 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $1,458,000 | 1,634 |
| Income before extraordinary items | $2,231,000 | 2,325 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,231,000 | 2,326 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,827 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,231,000 | 2,300 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,701,000 | 3,023 |
| Total interest expense | $3,967,000 | 3,718 |
| Net interest income | $6,734,000 | 2,519 |
| Provision for loan and lease losses | $10,000 | 8,212 |
| Total noninterest income | $1,439,000 | 2,337 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,160,000 | 1,090 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $279,000 | 4,174 |
| Total noninterest expense | $6,022,000 | 2,167 |
| Salaries and employee benefits | $3,046,000 | 2,224 |
| Premises and equipment expense | $1,231,000 | 1,596 |
| Additional noninterest expense | $1,745,000 | 2,380 |
| Pre-tax net operating income | $2,141,000 | 3,158 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $845,000 | 2,609 |
| Income before extraordinary items | $1,296,000 | 3,704 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,296,000 | 3,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 9,508 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 757 |
| Net operating income | $1,296,000 | 3,603 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,369,000 | 3,451 |
| Total interest expense | $3,933,000 | 3,737 |
| Net interest income | $5,436,000 | 3,211 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,313,000 | 2,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,126,000 | 1,111 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $187,000 | 5,119 |
| Total noninterest expense | $5,047,000 | 2,543 |
| Salaries and employee benefits | $2,249,000 | 2,947 |
| Premises and equipment expense | $1,009,000 | 1,957 |
| Additional noninterest expense | $1,789,000 | 2,320 |
| Pre-tax net operating income | $1,702,000 | 4,036 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $672,000 | 3,356 |
| Income before extraordinary items | $1,030,000 | 4,612 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,030,000 | 4,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-94,000 | 10,695 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,030,000 | 4,540 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,546,000 | 4,254 |
| Total interest expense | $3,048,000 | 4,722 |
| Net interest income | $4,498,000 | 3,900 |
| Provision for loan and lease losses | $-300,000 | 11,371 |
| Total noninterest income | $1,060,000 | 2,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $788,000 | 1,707 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $272,000 | 4,317 |
| Total noninterest expense | $3,973,000 | 3,366 |
| Salaries and employee benefits | $1,898,000 | 3,502 |
| Premises and equipment expense | $778,000 | 2,517 |
| Additional noninterest expense | $1,297,000 | 3,537 |
| Pre-tax net operating income | $1,885,000 | 3,576 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $753,000 | 3,008 |
| Income before extraordinary items | $1,132,000 | 4,063 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,132,000 | 4,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-49,000 | 11,032 |
| Cash dividends | $307,000 | 4,442 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,132,000 | 4,009 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,914,000 | 4,606 |
| Total interest expense | $2,751,000 | 5,143 |
| Net interest income | $4,163,000 | 4,170 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $888,000 | 3,400 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $737,000 | 1,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $151,000 | 5,965 |
| Total noninterest expense | $3,629,000 | 3,618 |
| Salaries and employee benefits | $1,649,000 | 3,936 |
| Premises and equipment expense | $699,000 | 2,808 |
| Additional noninterest expense | $1,281,000 | 3,546 |
| Pre-tax net operating income | $1,422,000 | 4,640 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $569,000 | 3,799 |
| Income before extraordinary items | $853,000 | 5,206 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $853,000 | 5,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $213,000 | 5,327 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $853,000 | 5,193 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,075,000 | 4,805 |
| Total interest expense | $1,940,000 | 5,740 |
| Net interest income | $4,135,000 | 4,251 |
| Provision for loan and lease losses | $222,000 | 2,841 |
| Total noninterest income | $882,000 | 3,408 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $697,000 | 1,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 5,523 |
| Total noninterest expense | $4,433,000 | 3,101 |
| Salaries and employee benefits | $1,611,000 | 4,007 |
| Premises and equipment expense | $750,000 | 2,671 |
| Additional noninterest expense | $2,072,000 | 2,496 |
| Pre-tax net operating income | $362,000 | 9,650 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $362,000 | 8,531 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $362,000 | 8,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $318,000 | 1,836 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $362,000 | 8,580 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,498,000 | 5,333 |
| Total interest expense | $1,515,000 | 7,159 |
| Net interest income | $3,983,000 | 4,422 |
| Provision for loan and lease losses | $175,000 | 4,260 |
| Total noninterest income | $930,000 | 3,539 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $669,000 | 2,044 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $261,000 | 4,884 |
| Total noninterest expense | $4,044,000 | 3,458 |
| Salaries and employee benefits | $1,564,000 | 4,121 |
| Premises and equipment expense | $675,000 | 2,985 |
| Additional noninterest expense | $1,805,000 | 2,983 |
| Pre-tax net operating income | $694,000 | 7,397 |
| Securities gains (losses) | $25,000 | 4,353 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $719,000 | 5,996 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $719,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,368 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $694,000 | 5,881 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,410,000 | 5,978 |
| Total interest expense | $1,895,000 | 7,367 |
| Net interest income | $3,515,000 | 4,989 |
| Provision for loan and lease losses | $237,000 | 4,779 |
| Total noninterest income | $832,000 | 3,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $736,000 | 1,837 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 8,213 |
| Total noninterest expense | $3,725,000 | 3,711 |
| Salaries and employee benefits | $1,484,000 | 4,273 |
| Premises and equipment expense | $775,000 | 2,675 |
| Additional noninterest expense | $1,466,000 | 3,670 |
| Pre-tax net operating income | $385,000 | 9,379 |
| Securities gains (losses) | $248,000 | 1,734 |
| Applicable income taxes | $226,000 | 7,072 |
| Income before extraordinary items | $407,000 | 8,143 |
| Extraordinary gains, net | $226,000 | 381 |
| Net income | $633,000 | 6,419 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $744,000 | 1,905 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $248,280 | 9,575 |
* 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.