AFB&T, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $17,741,000 | 450 |
| Total interest expense | $4,788,000 | 479 |
| Net interest income | $12,953,000 | 435 |
| Provision for loan and lease losses | $9,309,000 | 237 |
| Total noninterest income | $393,000 | 2,396 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $1,825,000 | 231 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,432,000 | 7,912 |
| Total noninterest expense | $9,232,000 | 549 |
| Salaries and employee benefits | $4,000,000 | 602 |
| Premises and equipment expense | $1,114,000 | 599 |
| Additional noninterest expense | $4,118,000 | 450 |
| Pre-tax net operating income | $-5,195,000 | 7,770 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $11,677,000 | 75 |
| Income before extraordinary items | $-16,872,000 | 7,876 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-16,872,000 | 7,877 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-16,872,000 | 7,877 |
| Net charge-offs | $6,162,000 | 287 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 437 |
| Net operating income | $-16,872,000 | 7,879 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $74,057,000 | 449 |
| Total interest expense | $24,770,000 | 452 |
| Net interest income | $49,287,000 | 438 |
| Provision for loan and lease losses | $51,210,000 | 232 |
| Total noninterest income | $-4,104,000 | 7,990 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $8,184,000 | 225 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-12,288,000 | 8,013 |
| Total noninterest expense | $37,266,000 | 571 |
| Salaries and employee benefits | $16,077,000 | 587 |
| Premises and equipment expense | $4,240,000 | 626 |
| Additional noninterest expense | $16,949,000 | 497 |
| Pre-tax net operating income | $-43,293,000 | 7,844 |
| Securities gains (losses) | $335,000 | 1,146 |
| Applicable income taxes | $-16,137,000 | 7,908 |
| Income before extraordinary items | $-26,821,000 | 7,800 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-26,821,000 | 7,799 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-26,821,000 | 7,799 |
| Net charge-offs | $38,813,000 | 237 |
| Cash dividends | $2,494,000 | 731 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 792 |
| Net operating income | $-27,035,400 | 7,802 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $55,861,000 | 462 |
| Total interest expense | $19,210,000 | 469 |
| Net interest income | $36,651,000 | 452 |
| Provision for loan and lease losses | $30,716,000 | 286 |
| Total noninterest income | $-2,674,000 | 8,073 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $6,044,000 | 227 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-8,718,000 | 8,100 |
| Total noninterest expense | $28,147,000 | 567 |
| Salaries and employee benefits | $12,208,000 | 598 |
| Premises and equipment expense | $3,226,000 | 635 |
| Additional noninterest expense | $12,713,000 | 479 |
| Pre-tax net operating income | $-24,886,000 | 7,904 |
| Securities gains (losses) | $335,000 | 929 |
| Applicable income taxes | $-9,802,000 | 7,973 |
| Income before extraordinary items | $-14,749,000 | 7,854 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-14,749,000 | 7,853 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-14,749,000 | 7,853 |
| Net charge-offs | $21,727,000 | 277 |
| Cash dividends | $2,494,000 | 506 |
| Sale, conversion, retirement of capital stock, net | $104,000 | 731 |
| Net operating income | $-14,963,400 | 7,856 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $37,008,000 | 474 |
| Total interest expense | $12,999,000 | 494 |
| Net interest income | $24,009,000 | 454 |
| Provision for loan and lease losses | $18,618,000 | 313 |
| Total noninterest income | $527,000 | 3,292 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $3,964,000 | 235 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-3,437,000 | 8,177 |
| Total noninterest expense | $18,222,000 | 587 |
| Salaries and employee benefits | $8,107,000 | 610 |
| Premises and equipment expense | $2,114,000 | 661 |
| Additional noninterest expense | $8,001,000 | 505 |
| Pre-tax net operating income | $-12,304,000 | 7,955 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-4,978,000 | 8,041 |
| Income before extraordinary items | $-7,326,000 | 7,888 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-7,326,000 | 7,887 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-7,326,000 | 7,887 |
| Net charge-offs | $10,345,000 | 367 |
| Cash dividends | $1,247,000 | 730 |
| Sale, conversion, retirement of capital stock, net | $125,000 | 553 |
| Net operating income | $-7,326,000 | 7,894 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $18,257,000 | 493 |
| Total interest expense | $6,688,000 | 497 |
| Net interest income | $11,569,000 | 466 |
| Provision for loan and lease losses | $8,054,000 | 302 |
| Total noninterest income | $10,000 | 7,767 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $1,898,000 | 237 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-1,888,000 | 8,235 |
| Total noninterest expense | $8,622,000 | 590 |
| Salaries and employee benefits | $4,095,000 | 602 |
| Premises and equipment expense | $1,091,000 | 650 |
| Additional noninterest expense | $3,436,000 | 510 |
| Pre-tax net operating income | $-5,097,000 | 8,034 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-2,093,000 | 8,093 |
| Income before extraordinary items | $-3,004,000 | 7,977 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,004,000 | 7,978 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,004,000 | 7,978 |
| Net charge-offs | $5,872,000 | 285 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $56,000 | 475 |
| Net operating income | $-3,004,000 | 7,979 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $85,642,000 | 460 |
| Total interest expense | $35,863,000 | 450 |
| Net interest income | $49,779,000 | 451 |
| Provision for loan and lease losses | $13,365,000 | 486 |
| Total noninterest income | $9,157,000 | 643 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $7,836,000 | 234 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,321,000 | 1,756 |
| Total noninterest expense | $34,908,000 | 564 |
| Salaries and employee benefits | $17,164,000 | 563 |
| Premises and equipment expense | $3,716,000 | 742 |
| Additional noninterest expense | $14,028,000 | 504 |
| Pre-tax net operating income | $10,663,000 | 501 |
| Securities gains (losses) | $45,000 | 1,683 |
| Applicable income taxes | $3,227,000 | 445 |
| Income before extraordinary items | $7,481,000 | 520 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $7,481,000 | 520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,413,000 | 373 |
| Cash dividends | $12,535,000 | 243 |
| Sale, conversion, retirement of capital stock, net | $346,000 | 635 |
| Net operating income | $7,449,500 | 566 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $66,282,000 | 455 |
| Total interest expense | $27,730,000 | 463 |
| Net interest income | $38,552,000 | 450 |
| Provision for loan and lease losses | $6,123,000 | 563 |
| Total noninterest income | $7,133,000 | 648 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $5,794,000 | 247 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,339,000 | 1,473 |
| Total noninterest expense | $25,568,000 | 574 |
| Salaries and employee benefits | $12,934,000 | 574 |
| Premises and equipment expense | $2,495,000 | 829 |
| Additional noninterest expense | $10,139,000 | 482 |
| Pre-tax net operating income | $13,994,000 | 378 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $4,691,000 | 329 |
| Income before extraordinary items | $9,303,000 | 400 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $9,303,000 | 399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,057,000 | 440 |
| Cash dividends | $10,247,000 | 228 |
| Sale, conversion, retirement of capital stock, net | $266,000 | 510 |
| Net operating income | $9,303,000 | 417 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $37,498,000 | 526 |
| Total interest expense | $16,223,000 | 535 |
| Net interest income | $21,275,000 | 526 |
| Provision for loan and lease losses | $2,204,000 | 730 |
| Total noninterest income | $4,593,000 | 680 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $3,032,000 | 298 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,561,000 | 1,017 |
| Total noninterest expense | $13,299,000 | 735 |
| Salaries and employee benefits | $6,832,000 | 746 |
| Premises and equipment expense | $1,264,000 | 1,095 |
| Additional noninterest expense | $5,203,000 | 603 |
| Pre-tax net operating income | $10,365,000 | 356 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $3,569,000 | 341 |
| Income before extraordinary items | $6,796,000 | 404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,796,000 | 403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,772,000 | 446 |
| Cash dividends | $5,382,000 | 311 |
| Sale, conversion, retirement of capital stock, net | $186,000 | 431 |
| Net operating income | $6,796,000 | 399 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $19,868,000 | 520 |
| Total interest expense | $9,112,000 | 519 |
| Net interest income | $10,756,000 | 513 |
| Provision for loan and lease losses | $902,000 | 659 |
| Total noninterest income | $2,127,000 | 713 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $1,585,000 | 282 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $542,000 | 1,330 |
| Total noninterest expense | $6,403,000 | 752 |
| Salaries and employee benefits | $3,458,000 | 739 |
| Premises and equipment expense | $619,000 | 1,132 |
| Additional noninterest expense | $2,326,000 | 633 |
| Pre-tax net operating income | $5,578,000 | 361 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $1,931,000 | 356 |
| Income before extraordinary items | $3,647,000 | 403 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,647,000 | 404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $980,000 | 468 |
| Cash dividends | $3,094,000 | 281 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 330 |
| Net operating income | $3,647,000 | 390 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $90,724,000 | 485 |
| Total interest expense | $42,273,000 | 484 |
| Net interest income | $48,451,000 | 477 |
| Provision for loan and lease losses | $2,452,000 | 710 |
| Total noninterest income | $10,624,000 | 587 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $6,199,000 | 295 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,425,000 | 766 |
| Total noninterest expense | $25,389,000 | 733 |
| Salaries and employee benefits | $13,625,000 | 708 |
| Premises and equipment expense | $2,490,000 | 1,068 |
| Additional noninterest expense | $9,274,000 | 624 |
| Pre-tax net operating income | $31,234,000 | 337 |
| Securities gains (losses) | $4,000 | 1,644 |
| Applicable income taxes | $11,322,000 | 299 |
| Income before extraordinary items | $19,916,000 | 361 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $19,916,000 | 358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,226,000 | 871 |
| Cash dividends | $12,377,000 | 358 |
| Sale, conversion, retirement of capital stock, net | $443,000 | 560 |
| Net operating income | $19,913,440 | 358 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $68,532,000 | 481 |
| Total interest expense | $31,810,000 | 485 |
| Net interest income | $36,722,000 | 473 |
| Provision for loan and lease losses | $771,000 | 1,131 |
| Total noninterest income | $7,616,000 | 607 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $4,491,000 | 299 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,125,000 | 805 |
| Total noninterest expense | $19,120,000 | 721 |
| Salaries and employee benefits | $10,444,000 | 693 |
| Premises and equipment expense | $1,868,000 | 1,059 |
| Additional noninterest expense | $6,808,000 | 617 |
| Pre-tax net operating income | $24,447,000 | 352 |
| Securities gains (losses) | $4,000 | 1,247 |
| Applicable income taxes | $9,046,000 | 312 |
| Income before extraordinary items | $15,405,000 | 386 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $15,405,000 | 384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,130 |
| Cash dividends | $8,356,000 | 379 |
| Sale, conversion, retirement of capital stock, net | $353,000 | 472 |
| Net operating income | $15,402,440 | 381 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $45,118,000 | 499 |
| Total interest expense | $20,713,000 | 503 |
| Net interest income | $24,405,000 | 483 |
| Provision for loan and lease losses | $5,000 | 5,998 |
| Total noninterest income | $4,371,000 | 704 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $2,865,000 | 318 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,506,000 | 1,042 |
| Total noninterest expense | $12,502,000 | 756 |
| Salaries and employee benefits | $6,772,000 | 734 |
| Premises and equipment expense | $1,219,000 | 1,097 |
| Additional noninterest expense | $4,511,000 | 625 |
| Pre-tax net operating income | $16,269,000 | 380 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $6,123,000 | 333 |
| Income before extraordinary items | $10,150,000 | 421 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $10,150,000 | 420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 1,090 |
| Cash dividends | $4,335,000 | 474 |
| Sale, conversion, retirement of capital stock, net | $261,000 | 405 |
| Net operating income | $10,147,440 | 413 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $22,154,000 | 502 |
| Total interest expense | $10,184,000 | 501 |
| Net interest income | $11,970,000 | 491 |
| Provision for loan and lease losses | $593,000 | 471 |
| Total noninterest income | $2,099,000 | 728 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $1,380,000 | 320 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $719,000 | 1,060 |
| Total noninterest expense | $6,038,000 | 774 |
| Salaries and employee benefits | $3,307,000 | 763 |
| Premises and equipment expense | $597,000 | 1,125 |
| Additional noninterest expense | $2,134,000 | 652 |
| Pre-tax net operating income | $7,438,000 | 407 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $2,790,000 | 360 |
| Income before extraordinary items | $4,648,000 | 443 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $4,648,000 | 442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 669 |
| Cash dividends | $316,000 | 1,925 |
| Sale, conversion, retirement of capital stock, net | $154,000 | 277 |
| Net operating income | $4,648,000 | 435 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $82,478,000 | 505 |
| Total interest expense | $34,353,000 | 509 |
| Net interest income | $48,125,000 | 479 |
| Provision for loan and lease losses | $2,749,000 | 407 |
| Total noninterest income | $7,667,000 | 769 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $6,135,000 | 288 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,532,000 | 1,649 |
| Total noninterest expense | $23,154,000 | 767 |
| Salaries and employee benefits | $12,773,000 | 734 |
| Premises and equipment expense | $1,991,000 | 1,301 |
| Additional noninterest expense | $8,390,000 | 649 |
| Pre-tax net operating income | $29,889,000 | 410 |
| Securities gains (losses) | $-145,000 | 8,308 |
| Applicable income taxes | $11,173,000 | 360 |
| Income before extraordinary items | $18,571,000 | 451 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $18,571,000 | 450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,339,000 | 536 |
| Cash dividends | $3,926,000 | 882 |
| Sale, conversion, retirement of capital stock, net | $396,000 | 640 |
| Net operating income | $18,663,800 | 442 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $60,146,000 | 524 |
| Total interest expense | $24,454,000 | 529 |
| Net interest income | $35,692,000 | 500 |
| Provision for loan and lease losses | $2,309,000 | 349 |
| Total noninterest income | $6,296,000 | 724 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $4,746,000 | 278 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,550,000 | 1,334 |
| Total noninterest expense | $16,900,000 | 794 |
| Salaries and employee benefits | $9,276,000 | 785 |
| Premises and equipment expense | $1,431,000 | 1,362 |
| Additional noninterest expense | $6,193,000 | 671 |
| Pre-tax net operating income | $22,779,000 | 429 |
| Securities gains (losses) | $-145,000 | 8,489 |
| Applicable income taxes | $8,425,000 | 387 |
| Income before extraordinary items | $14,209,000 | 465 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $14,209,000 | 464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,004,000 | 461 |
| Cash dividends | $3,064,000 | 814 |
| Sale, conversion, retirement of capital stock, net | $287,000 | 531 |
| Net operating income | $14,301,800 | 450 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $38,146,000 | 539 |
| Total interest expense | $15,018,000 | 543 |
| Net interest income | $23,128,000 | 516 |
| Provision for loan and lease losses | $1,719,000 | 311 |
| Total noninterest income | $4,183,000 | 721 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,097,000 | 279 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,086,000 | 1,279 |
| Total noninterest expense | $11,019,000 | 812 |
| Salaries and employee benefits | $6,053,000 | 805 |
| Premises and equipment expense | $908,000 | 1,433 |
| Additional noninterest expense | $4,058,000 | 686 |
| Pre-tax net operating income | $14,573,000 | 441 |
| Securities gains (losses) | $-145,000 | 8,598 |
| Applicable income taxes | $5,379,000 | 399 |
| Income before extraordinary items | $9,049,000 | 481 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,049,000 | 480 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $799,000 | 400 |
| Cash dividends | $3,064,000 | 563 |
| Sale, conversion, retirement of capital stock, net | $183,000 | 443 |
| Net operating income | $9,141,800 | 464 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $18,057,000 | 545 |
| Total interest expense | $6,899,000 | 551 |
| Net interest income | $11,158,000 | 524 |
| Provision for loan and lease losses | $613,000 | 394 |
| Total noninterest income | $1,829,000 | 793 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,462,000 | 289 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $367,000 | 1,662 |
| Total noninterest expense | $5,444,000 | 819 |
| Salaries and employee benefits | $2,961,000 | 821 |
| Premises and equipment expense | $438,000 | 1,485 |
| Additional noninterest expense | $2,045,000 | 677 |
| Pre-tax net operating income | $6,930,000 | 444 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $2,600,000 | 403 |
| Income before extraordinary items | $4,330,000 | 489 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,330,000 | 488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $667,000 | 269 |
| Cash dividends | $2,202,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $109,000 | 306 |
| Net operating income | $4,330,000 | 480 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $62,948,000 | 547 |
| Total interest expense | $23,672,000 | 509 |
| Net interest income | $39,276,000 | 569 |
| Provision for loan and lease losses | $1,684,000 | 638 |
| Total noninterest income | $7,795,000 | 746 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $6,148,000 | 278 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,647,000 | 1,550 |
| Total noninterest expense | $19,022,000 | 894 |
| Salaries and employee benefits | $9,897,000 | 921 |
| Premises and equipment expense | $1,782,000 | 1,382 |
| Additional noninterest expense | $7,343,000 | 720 |
| Pre-tax net operating income | $26,365,000 | 446 |
| Securities gains (losses) | $4,000 | 1,802 |
| Applicable income taxes | $9,852,000 | 398 |
| Income before extraordinary items | $16,517,000 | 479 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $16,517,000 | 479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,748,000 | 441 |
| Cash dividends | $8,811,000 | 424 |
| Sale, conversion, retirement of capital stock, net | $225,000 | 635 |
| Net operating income | $16,514,440 | 468 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $45,625,000 | 549 |
| Total interest expense | $16,255,000 | 516 |
| Net interest income | $29,370,000 | 557 |
| Provision for loan and lease losses | $1,255,000 | 616 |
| Total noninterest income | $5,882,000 | 751 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $4,623,000 | 271 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,259,000 | 1,532 |
| Total noninterest expense | $13,807,000 | 917 |
| Salaries and employee benefits | $7,115,000 | 951 |
| Premises and equipment expense | $1,285,000 | 1,415 |
| Additional noninterest expense | $5,407,000 | 725 |
| Pre-tax net operating income | $20,190,000 | 446 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $7,552,000 | 407 |
| Income before extraordinary items | $12,638,000 | 477 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $12,638,000 | 477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,427,000 | 390 |
| Cash dividends | $4,572,000 | 519 |
| Sale, conversion, retirement of capital stock, net | $215,000 | 484 |
| Net operating income | $12,638,000 | 460 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $29,265,000 | 553 |
| Total interest expense | $10,266,000 | 512 |
| Net interest income | $18,999,000 | 559 |
| Provision for loan and lease losses | $1,124,000 | 448 |
| Total noninterest income | $4,027,000 | 719 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $3,045,000 | 271 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $982,000 | 1,370 |
| Total noninterest expense | $9,292,000 | 896 |
| Salaries and employee benefits | $4,656,000 | 961 |
| Premises and equipment expense | $838,000 | 1,444 |
| Additional noninterest expense | $3,798,000 | 699 |
| Pre-tax net operating income | $12,610,000 | 453 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $4,713,000 | 419 |
| Income before extraordinary items | $7,897,000 | 488 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $7,897,000 | 488 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,132,000 | 329 |
| Cash dividends | $2,747,000 | 550 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $7,897,000 | 475 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $14,058,000 | 558 |
| Total interest expense | $4,813,000 | 513 |
| Net interest income | $9,245,000 | 567 |
| Provision for loan and lease losses | $457,000 | 515 |
| Total noninterest income | $1,876,000 | 747 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $1,485,000 | 264 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $391,000 | 1,576 |
| Total noninterest expense | $4,640,000 | 897 |
| Salaries and employee benefits | $2,353,000 | 947 |
| Premises and equipment expense | $428,000 | 1,418 |
| Additional noninterest expense | $1,859,000 | 693 |
| Pre-tax net operating income | $6,024,000 | 466 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $2,239,000 | 438 |
| Income before extraordinary items | $3,785,000 | 506 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $3,785,000 | 506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 407 |
| Cash dividends | $1,647,000 | 435 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $3,785,000 | 487 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $50,481,000 | 573 |
| Total interest expense | $14,869,000 | 556 |
| Net interest income | $35,612,000 | 574 |
| Provision for loan and lease losses | $1,296,000 | 827 |
| Total noninterest income | $8,276,000 | 698 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $6,453,000 | 267 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,823,000 | 1,415 |
| Total noninterest expense | $19,193,000 | 845 |
| Salaries and employee benefits | $10,868,000 | 785 |
| Premises and equipment expense | $1,717,000 | 1,347 |
| Additional noninterest expense | $6,608,000 | 773 |
| Pre-tax net operating income | $23,399,000 | 440 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $8,873,000 | 394 |
| Income before extraordinary items | $14,526,000 | 490 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $14,526,000 | 491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $180,000 | 2,743 |
| Cash dividends | $4,436,000 | 689 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $14,526,000 | 478 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $37,146,000 | 580 |
| Total interest expense | $10,585,000 | 571 |
| Net interest income | $26,561,000 | 570 |
| Provision for loan and lease losses | $1,242,000 | 628 |
| Total noninterest income | $6,117,000 | 717 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $4,792,000 | 274 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,325,000 | 1,457 |
| Total noninterest expense | $14,407,000 | 847 |
| Salaries and employee benefits | $8,284,000 | 775 |
| Premises and equipment expense | $1,280,000 | 1,349 |
| Additional noninterest expense | $4,843,000 | 776 |
| Pre-tax net operating income | $17,029,000 | 455 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $6,305,000 | 411 |
| Income before extraordinary items | $10,724,000 | 499 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $10,724,000 | 500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,128 |
| Cash dividends | $2,970,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $10,724,000 | 478 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $24,262,000 | 582 |
| Total interest expense | $6,798,000 | 588 |
| Net interest income | $17,464,000 | 570 |
| Provision for loan and lease losses | $739,000 | 689 |
| Total noninterest income | $3,938,000 | 736 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $3,094,000 | 277 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $844,000 | 1,494 |
| Total noninterest expense | $9,606,000 | 852 |
| Salaries and employee benefits | $5,595,000 | 760 |
| Premises and equipment expense | $826,000 | 1,402 |
| Additional noninterest expense | $3,185,000 | 780 |
| Pre-tax net operating income | $11,057,000 | 451 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $4,089,000 | 419 |
| Income before extraordinary items | $6,968,000 | 508 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $6,968,000 | 507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 1,857 |
| Cash dividends | $2,970,000 | 511 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $6,968,000 | 482 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $12,066,000 | 594 |
| Total interest expense | $3,444,000 | 591 |
| Net interest income | $8,622,000 | 582 |
| Provision for loan and lease losses | $254,000 | 945 |
| Total noninterest income | $1,852,000 | 760 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,482,000 | 285 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $370,000 | 1,618 |
| Total noninterest expense | $4,858,000 | 840 |
| Salaries and employee benefits | $2,927,000 | 734 |
| Premises and equipment expense | $421,000 | 1,385 |
| Additional noninterest expense | $1,510,000 | 815 |
| Pre-tax net operating income | $5,362,000 | 454 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $1,976,000 | 439 |
| Income before extraordinary items | $3,386,000 | 527 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $3,386,000 | 526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 3,075 |
| Cash dividends | $2,170,000 | 349 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $3,386,000 | 491 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $48,086,000 | 582 |
| Total interest expense | $14,913,000 | 600 |
| Net interest income | $33,173,000 | 576 |
| Provision for loan and lease losses | $1,934,000 | 667 |
| Total noninterest income | $7,152,000 | 855 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $5,609,000 | 298 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,543,000 | 1,782 |
| Total noninterest expense | $18,077,000 | 888 |
| Salaries and employee benefits | $10,161,000 | 839 |
| Premises and equipment expense | $1,543,000 | 1,472 |
| Additional noninterest expense | $6,373,000 | 807 |
| Pre-tax net operating income | $20,314,000 | 479 |
| Securities gains (losses) | $269,000 | 1,126 |
| Applicable income taxes | $7,559,000 | 454 |
| Income before extraordinary items | $13,024,000 | 537 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $13,024,000 | 537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,110,000 | 847 |
| Cash dividends | $8,680,000 | 416 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $12,851,840 | 510 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $36,230,000 | 598 |
| Total interest expense | $11,412,000 | 621 |
| Net interest income | $24,818,000 | 586 |
| Provision for loan and lease losses | $925,000 | 956 |
| Total noninterest income | $5,221,000 | 896 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $4,024,000 | 321 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,197,000 | 1,813 |
| Total noninterest expense | $13,460,000 | 911 |
| Salaries and employee benefits | $7,605,000 | 848 |
| Premises and equipment expense | $1,114,000 | 1,537 |
| Additional noninterest expense | $4,741,000 | 822 |
| Pre-tax net operating income | $15,654,000 | 473 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $5,753,000 | 457 |
| Income before extraordinary items | $9,901,000 | 551 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $9,901,000 | 550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 1,723 |
| Cash dividends | $6,013,000 | 420 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $9,901,000 | 511 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $24,168,000 | 600 |
| Total interest expense | $7,741,000 | 629 |
| Net interest income | $16,427,000 | 591 |
| Provision for loan and lease losses | $829,000 | 743 |
| Total noninterest income | $3,421,000 | 902 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $2,613,000 | 326 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $808,000 | 1,764 |
| Total noninterest expense | $8,901,000 | 919 |
| Salaries and employee benefits | $5,024,000 | 855 |
| Premises and equipment expense | $731,000 | 1,565 |
| Additional noninterest expense | $3,146,000 | 834 |
| Pre-tax net operating income | $10,118,000 | 487 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $3,711,000 | 474 |
| Income before extraordinary items | $6,407,000 | 568 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $6,407,000 | 567 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,567 |
| Cash dividends | $3,346,000 | 473 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $6,407,000 | 519 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $12,046,000 | 611 |
| Total interest expense | $3,837,000 | 648 |
| Net interest income | $8,209,000 | 592 |
| Provision for loan and lease losses | $492,000 | 627 |
| Total noninterest income | $1,710,000 | 883 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,281,000 | 328 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $429,000 | 1,658 |
| Total noninterest expense | $4,430,000 | 920 |
| Salaries and employee benefits | $2,526,000 | 848 |
| Premises and equipment expense | $362,000 | 1,594 |
| Additional noninterest expense | $1,542,000 | 823 |
| Pre-tax net operating income | $4,997,000 | 492 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $1,830,000 | 485 |
| Income before extraordinary items | $3,167,000 | 558 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,167,000 | 556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 1,853 |
| Cash dividends | $1,400,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $3,167,000 | 523 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $48,604,000 | 631 |
| Total interest expense | $16,688,000 | 679 |
| Net interest income | $31,916,000 | 596 |
| Provision for loan and lease losses | $1,542,000 | 923 |
| Total noninterest income | $6,712,000 | 819 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $5,167,000 | 325 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,545,000 | 1,610 |
| Total noninterest expense | $17,158,000 | 911 |
| Salaries and employee benefits | $9,602,000 | 840 |
| Premises and equipment expense | $1,508,000 | 1,468 |
| Additional noninterest expense | $6,048,000 | 827 |
| Pre-tax net operating income | $19,928,000 | 475 |
| Securities gains (losses) | $96,000 | 1,795 |
| Applicable income taxes | $7,345,000 | 450 |
| Income before extraordinary items | $12,679,000 | 528 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $12,679,000 | 531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $599,000 | 1,435 |
| Cash dividends | $11,368,000 | 335 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $12,617,560 | 506 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $53,889,000 | 657 |
| Total interest expense | $24,397,000 | 683 |
| Net interest income | $29,492,000 | 618 |
| Provision for loan and lease losses | $943,000 | 1,310 |
| Total noninterest income | $6,209,000 | 834 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $4,786,000 | 328 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,423,000 | 1,600 |
| Total noninterest expense | $16,218,000 | 917 |
| Salaries and employee benefits | $9,646,000 | 765 |
| Premises and equipment expense | $1,431,000 | 1,503 |
| Additional noninterest expense | $5,141,000 | 953 |
| Pre-tax net operating income | $18,540,000 | 459 |
| Securities gains (losses) | $349,000 | 808 |
| Applicable income taxes | $6,910,000 | 438 |
| Income before extraordinary items | $11,979,000 | 505 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $11,979,000 | 506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $312,000 | 2,183 |
| Cash dividends | $10,231,000 | 360 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $11,755,640 | 484 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $53,912,000 | 675 |
| Total interest expense | $27,022,000 | 679 |
| Net interest income | $26,890,000 | 663 |
| Provision for loan and lease losses | $878,000 | 1,187 |
| Total noninterest income | $6,178,000 | 789 |
| Gross Fiduciary activities income | $44,000 | 1,065 |
| Service charges on deposit accounts | $4,339,000 | 328 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,795,000 | 1,226 |
| Total noninterest expense | $15,695,000 | 906 |
| Salaries and employee benefits | $8,737,000 | 805 |
| Premises and equipment expense | $1,477,000 | 1,404 |
| Additional noninterest expense | $5,481,000 | 890 |
| Pre-tax net operating income | $16,495,000 | 521 |
| Securities gains (losses) | $39,000 | 772 |
| Applicable income taxes | $5,940,000 | 489 |
| Income before extraordinary items | $10,594,000 | 543 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $10,594,000 | 544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $209,000 | 2,334 |
| Cash dividends | $9,353,000 | 399 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $10,569,040 | 542 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $46,412,000 | 739 |
| Total interest expense | $20,675,000 | 772 |
| Net interest income | $25,737,000 | 710 |
| Provision for loan and lease losses | $285,000 | 2,788 |
| Total noninterest income | $6,763,000 | 771 |
| Gross Fiduciary activities income | $44,000 | 1,117 |
| Service charges on deposit accounts | $3,702,000 | 378 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,017,000 | 885 |
| Total noninterest expense | $15,962,000 | 900 |
| Salaries and employee benefits | $9,178,000 | 759 |
| Premises and equipment expense | $1,629,000 | 1,244 |
| Additional noninterest expense | $5,155,000 | 934 |
| Pre-tax net operating income | $16,253,000 | 570 |
| Securities gains (losses) | $25,000 | 1,278 |
| Applicable income taxes | $5,939,000 | 537 |
| Income before extraordinary items | $10,339,000 | 610 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $10,339,000 | 610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 1,891 |
| Cash dividends | $9,150,000 | 428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $10,323,000 | 596 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $47,181,000 | 716 |
| Total interest expense | $22,404,000 | 730 |
| Net interest income | $24,777,000 | 712 |
| Provision for loan and lease losses | $603,000 | 1,469 |
| Total noninterest income | $6,524,000 | 776 |
| Gross Fiduciary activities income | $33,000 | 1,171 |
| Service charges on deposit accounts | $3,057,000 | 432 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,434,000 | 837 |
| Total noninterest expense | $16,284,000 | 872 |
| Salaries and employee benefits | $8,807,000 | 763 |
| Premises and equipment expense | $1,644,000 | 1,160 |
| Additional noninterest expense | $5,833,000 | 864 |
| Pre-tax net operating income | $14,414,000 | 586 |
| Securities gains (losses) | $37,000 | 1,967 |
| Applicable income taxes | $5,219,000 | 559 |
| Income before extraordinary items | $9,232,000 | 630 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $9,232,000 | 629 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $660,000 | 1,009 |
| Cash dividends | $8,235,000 | 446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $9,208,320 | 599 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $43,226,000 | 795 |
| Total interest expense | $21,527,000 | 764 |
| Net interest income | $21,699,000 | 831 |
| Provision for loan and lease losses | $725,000 | 1,290 |
| Total noninterest income | $5,046,000 | 918 |
| Gross Fiduciary activities income | $15,000 | 1,305 |
| Service charges on deposit accounts | $2,803,000 | 473 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,228,000 | 1,019 |
| Total noninterest expense | $13,779,000 | 994 |
| Salaries and employee benefits | $7,093,000 | 932 |
| Premises and equipment expense | $1,501,000 | 1,304 |
| Additional noninterest expense | $5,185,000 | 936 |
| Pre-tax net operating income | $12,241,000 | 686 |
| Securities gains (losses) | $-22,000 | 10,409 |
| Applicable income taxes | $4,453,000 | 655 |
| Income before extraordinary items | $7,766,000 | 729 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,766,000 | 730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $658,000 | 1,071 |
| Cash dividends | $7,690,000 | 453 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,780,080 | 714 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $41,691,000 | 842 |
| Total interest expense | $20,749,000 | 822 |
| Net interest income | $20,942,000 | 887 |
| Provision for loan and lease losses | $1,105,000 | 951 |
| Total noninterest income | $4,854,000 | 969 |
| Gross Fiduciary activities income | $5,000 | 1,455 |
| Service charges on deposit accounts | $2,820,000 | 494 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,029,000 | 1,147 |
| Total noninterest expense | $15,995,000 | 953 |
| Salaries and employee benefits | $6,504,000 | 1,030 |
| Premises and equipment expense | $1,459,000 | 1,395 |
| Additional noninterest expense | $8,032,000 | 801 |
| Pre-tax net operating income | $8,696,000 | 879 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $3,151,000 | 842 |
| Income before extraordinary items | $5,550,000 | 955 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $5,550,000 | 956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $470,000 | 1,496 |
| Cash dividends | $3,327,000 | 880 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $5,546,800 | 934 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $38,974,000 | 929 |
| Total interest expense | $19,919,000 | 888 |
| Net interest income | $19,055,000 | 968 |
| Provision for loan and lease losses | $1,130,000 | 866 |
| Total noninterest income | $4,249,000 | 1,069 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $2,597,000 | 546 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,652,000 | 1,298 |
| Total noninterest expense | $13,180,000 | 1,135 |
| Salaries and employee benefits | $5,835,000 | 1,152 |
| Premises and equipment expense | $1,307,000 | 1,559 |
| Additional noninterest expense | $6,038,000 | 976 |
| Pre-tax net operating income | $8,994,000 | 901 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $3,322,000 | 835 |
| Income before extraordinary items | $5,672,000 | 940 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $5,672,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $854,000 | 974 |
| Cash dividends | $4,514,000 | 692 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $5,672,000 | 936 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $33,462,000 | 953 |
| Total interest expense | $16,947,000 | 819 |
| Net interest income | $16,515,000 | 1,113 |
| Provision for loan and lease losses | $1,175,000 | 839 |
| Total noninterest income | $3,719,000 | 1,146 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,525,000 | 553 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,194,000 | 1,631 |
| Total noninterest expense | $12,508,000 | 1,192 |
| Salaries and employee benefits | $5,651,000 | 1,195 |
| Premises and equipment expense | $1,217,000 | 1,698 |
| Additional noninterest expense | $5,640,000 | 1,059 |
| Pre-tax net operating income | $6,551,000 | 1,157 |
| Securities gains (losses) | $27,000 | 1,545 |
| Applicable income taxes | $2,406,000 | 1,034 |
| Income before extraordinary items | $4,172,000 | 1,216 |
| Extraordinary gains, net | $-33,000 | 12,514 |
| Net income | $4,139,000 | 1,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,123,000 | 802 |
| Cash dividends | $7,898,000 | 419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,154,720 | 1,230 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $33,665,000 | 959 |
| Total interest expense | $18,081,000 | 780 |
| Net interest income | $15,584,000 | 1,169 |
| Provision for loan and lease losses | $480,000 | 2,158 |
| Total noninterest income | $3,790,000 | 1,210 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $2,382,000 | 575 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,408,000 | 1,630 |
| Total noninterest expense | $11,553,000 | 1,329 |
| Salaries and employee benefits | $4,990,000 | 1,349 |
| Premises and equipment expense | $1,196,000 | 1,755 |
| Additional noninterest expense | $5,367,000 | 1,202 |
| Pre-tax net operating income | $7,341,000 | 974 |
| Securities gains (losses) | $22,000 | 4,534 |
| Applicable income taxes | $1,859,000 | 1,286 |
| Income before extraordinary items | $5,504,000 | 943 |
| Extraordinary gains, net | $-355,000 | 13,127 |
| Net income | $5,149,000 | 1,034 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 1,636 |
| Cash dividends | $4,023,000 | 571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $5,487,500 | 891 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $38,722,000 | 975 |
| Total interest expense | $22,077,000 | 844 |
| Net interest income | $16,645,000 | 1,122 |
| Provision for loan and lease losses | $970,000 | 1,880 |
| Total noninterest income | $3,383,000 | 1,302 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $2,074,000 | 658 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,309,000 | 1,664 |
| Total noninterest expense | $11,126,000 | 1,396 |
| Salaries and employee benefits | $4,547,000 | 1,458 |
| Premises and equipment expense | $1,201,000 | 1,755 |
| Additional noninterest expense | $5,378,000 | 1,238 |
| Pre-tax net operating income | $7,932,000 | 811 |
| Securities gains (losses) | $20,000 | 5,594 |
| Applicable income taxes | $2,892,000 | 814 |
| Income before extraordinary items | $5,060,000 | 941 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $5,060,000 | 944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 3,456 |
| Cash dividends | $1,923,000 | 893 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $5,047,200 | 856 |
* 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.