Home > American Bank Center > Income and Expense
American Bank Center, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 2,386 |
| Total interest expense | $778,000 | 3,685 |
| Net interest income | $2,864,000 | 1,911 |
| Provision for loan and lease losses | $-285,000 | 8,230 |
| Total noninterest income | $1,366,000 | 1,000 |
| Gross Fiduciary activities income | $200,000 | 442 |
| Service charges on deposit accounts | $103,000 | 3,209 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,063,000 | 812 |
| Total noninterest expense | $2,814,000 | 1,755 |
| Salaries and employee benefits | $1,728,000 | 1,517 |
| Premises and equipment expense | $395,000 | 1,794 |
| Additional noninterest expense | $691,000 | 2,260 |
| Pre-tax net operating income | $1,701,000 | 742 |
| Securities gains (losses) | $14,000 | 1,820 |
| Applicable income taxes | $595,000 | 556 |
| Income before extraordinary items | $1,120,000 | 952 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,120,000 | 953 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,120,000 | 954 |
| Net charge-offs | $-635,000 | 8,240 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,110,900 | 901 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,853,000 | 2,488 |
| Total interest expense | $4,241,000 | 3,367 |
| Net interest income | $10,612,000 | 2,089 |
| Provision for loan and lease losses | $805,000 | 3,035 |
| Total noninterest income | $6,006,000 | 911 |
| Gross Fiduciary activities income | $898,000 | 433 |
| Service charges on deposit accounts | $489,000 | 3,062 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $4,619,000 | 700 |
| Total noninterest expense | $10,956,000 | 1,772 |
| Salaries and employee benefits | $6,465,000 | 1,599 |
| Premises and equipment expense | $1,162,000 | 2,308 |
| Additional noninterest expense | $3,329,000 | 1,838 |
| Pre-tax net operating income | $4,857,000 | 1,128 |
| Securities gains (losses) | $15,000 | 2,329 |
| Applicable income taxes | $1,405,000 | 911 |
| Income before extraordinary items | $3,467,000 | 1,204 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,467,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 5,360 |
| Cash dividends | $2,763,000 | 998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,456,350 | 1,286 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,169,000 | 2,532 |
| Total interest expense | $3,274,000 | 3,409 |
| Net interest income | $7,895,000 | 2,125 |
| Provision for loan and lease losses | $570,000 | 2,543 |
| Total noninterest income | $4,542,000 | 947 |
| Gross Fiduciary activities income | $691,000 | 432 |
| Service charges on deposit accounts | $369,000 | 3,080 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,482,000 | 743 |
| Total noninterest expense | $7,970,000 | 1,812 |
| Salaries and employee benefits | $4,730,000 | 1,645 |
| Premises and equipment expense | $823,000 | 2,428 |
| Additional noninterest expense | $2,417,000 | 1,830 |
| Pre-tax net operating income | $3,897,000 | 1,277 |
| Securities gains (losses) | $15,000 | 2,175 |
| Applicable income taxes | $1,292,000 | 941 |
| Income before extraordinary items | $2,620,000 | 1,412 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,620,000 | 1,409 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,177 |
| Cash dividends | $2,763,000 | 770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,609,950 | 1,495 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,508,000 | 2,542 |
| Total interest expense | $2,313,000 | 3,379 |
| Net interest income | $5,195,000 | 2,134 |
| Provision for loan and lease losses | $190,000 | 3,238 |
| Total noninterest income | $2,616,000 | 1,070 |
| Gross Fiduciary activities income | $464,000 | 440 |
| Service charges on deposit accounts | $231,000 | 3,182 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,921,000 | 868 |
| Total noninterest expense | $5,112,000 | 1,876 |
| Salaries and employee benefits | $3,004,000 | 1,738 |
| Premises and equipment expense | $530,000 | 2,511 |
| Additional noninterest expense | $1,578,000 | 1,834 |
| Pre-tax net operating income | $2,509,000 | 1,373 |
| Securities gains (losses) | $15,000 | 2,228 |
| Applicable income taxes | $837,000 | 1,083 |
| Income before extraordinary items | $1,687,000 | 1,614 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,687,000 | 1,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,549 |
| Cash dividends | $1,471,000 | 1,024 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,676,950 | 1,593 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,872,000 | 2,535 |
| Total interest expense | $1,347,000 | 3,156 |
| Net interest income | $2,525,000 | 2,191 |
| Provision for loan and lease losses | $-40,000 | 8,418 |
| Total noninterest income | $1,402,000 | 1,021 |
| Gross Fiduciary activities income | $236,000 | 438 |
| Service charges on deposit accounts | $112,000 | 3,210 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,054,000 | 824 |
| Total noninterest expense | $2,596,000 | 1,851 |
| Salaries and employee benefits | $1,472,000 | 1,790 |
| Premises and equipment expense | $276,000 | 2,446 |
| Additional noninterest expense | $848,000 | 1,685 |
| Pre-tax net operating income | $1,371,000 | 1,370 |
| Securities gains (losses) | $13,000 | 1,848 |
| Applicable income taxes | $463,000 | 1,075 |
| Income before extraordinary items | $921,000 | 1,618 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $921,000 | 1,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,996 |
| Cash dividends | $919,000 | 816 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $912,290 | 1,573 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,500,000 | 2,595 |
| Total interest expense | $6,978,000 | 2,637 |
| Net interest income | $8,522,000 | 2,574 |
| Provision for loan and lease losses | $1,501,000 | 1,046 |
| Total noninterest income | $5,071,000 | 1,087 |
| Gross Fiduciary activities income | $872,000 | 456 |
| Service charges on deposit accounts | $509,000 | 3,021 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,690,000 | 873 |
| Total noninterest expense | $9,545,000 | 1,943 |
| Salaries and employee benefits | $5,884,000 | 1,712 |
| Premises and equipment expense | $1,039,000 | 2,482 |
| Additional noninterest expense | $2,622,000 | 2,090 |
| Pre-tax net operating income | $2,547,000 | 2,787 |
| Securities gains (losses) | $-2,000 | 7,197 |
| Applicable income taxes | $833,000 | 2,085 |
| Income before extraordinary items | $1,712,000 | 3,156 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,712,000 | 3,154 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,278,000 | 432 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,713,340 | 3,144 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,519,000 | 2,621 |
| Total interest expense | $5,415,000 | 2,547 |
| Net interest income | $6,104,000 | 2,693 |
| Provision for loan and lease losses | $1,613,000 | 616 |
| Total noninterest income | $3,821,000 | 1,081 |
| Gross Fiduciary activities income | $634,000 | 460 |
| Service charges on deposit accounts | $390,000 | 2,958 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,797,000 | 870 |
| Total noninterest expense | $7,096,000 | 1,935 |
| Salaries and employee benefits | $4,512,000 | 1,673 |
| Premises and equipment expense | $752,000 | 2,560 |
| Additional noninterest expense | $1,832,000 | 2,179 |
| Pre-tax net operating income | $1,216,000 | 3,917 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $315,000 | 3,135 |
| Income before extraordinary items | $901,000 | 4,114 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $901,000 | 4,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,247,000 | 281 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $901,000 | 4,100 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,530,000 | 2,689 |
| Total interest expense | $3,533,000 | 2,597 |
| Net interest income | $3,997,000 | 2,758 |
| Provision for loan and lease losses | $1,065,000 | 557 |
| Total noninterest income | $2,566,000 | 1,100 |
| Gross Fiduciary activities income | $401,000 | 480 |
| Service charges on deposit accounts | $262,000 | 2,934 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,903,000 | 893 |
| Total noninterest expense | $4,563,000 | 2,025 |
| Salaries and employee benefits | $2,969,000 | 1,729 |
| Premises and equipment expense | $501,000 | 2,587 |
| Additional noninterest expense | $1,093,000 | 2,418 |
| Pre-tax net operating income | $935,000 | 3,683 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $251,000 | 2,960 |
| Income before extraordinary items | $684,000 | 3,871 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $684,000 | 3,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $300,000 | 1,034 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $684,000 | 3,861 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 2,750 |
| Total interest expense | $1,697,000 | 2,682 |
| Net interest income | $1,956,000 | 2,819 |
| Provision for loan and lease losses | $300,000 | 788 |
| Total noninterest income | $1,390,000 | 1,009 |
| Gross Fiduciary activities income | $196,000 | 486 |
| Service charges on deposit accounts | $126,000 | 2,972 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,068,000 | 796 |
| Total noninterest expense | $2,142,000 | 2,159 |
| Salaries and employee benefits | $1,467,000 | 1,766 |
| Premises and equipment expense | $247,000 | 2,616 |
| Additional noninterest expense | $428,000 | 2,993 |
| Pre-tax net operating income | $904,000 | 2,336 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $284,000 | 1,920 |
| Income before extraordinary items | $620,000 | 2,564 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $620,000 | 2,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $380,000 | 495 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $620,000 | 2,540 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,693,000 | 2,757 |
| Total interest expense | $5,969,000 | 2,610 |
| Net interest income | $7,724,000 | 2,847 |
| Provision for loan and lease losses | $2,670,000 | 426 |
| Total noninterest income | $4,440,000 | 1,208 |
| Gross Fiduciary activities income | $657,000 | 519 |
| Service charges on deposit accounts | $499,000 | 3,062 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,284,000 | 929 |
| Total noninterest expense | $8,822,000 | 1,995 |
| Salaries and employee benefits | $5,704,000 | 1,710 |
| Premises and equipment expense | $1,044,000 | 2,366 |
| Additional noninterest expense | $2,074,000 | 2,488 |
| Pre-tax net operating income | $672,000 | 5,991 |
| Securities gains (losses) | $-125,000 | 8,267 |
| Applicable income taxes | $-13,000 | 8,194 |
| Income before extraordinary items | $560,000 | 5,954 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $560,000 | 5,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $982,000 | 696 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $685,000 | 5,544 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,017,000 | 2,791 |
| Total interest expense | $4,285,000 | 2,630 |
| Net interest income | $5,732,000 | 2,894 |
| Provision for loan and lease losses | $710,000 | 1,041 |
| Total noninterest income | $2,910,000 | 1,333 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $382,000 | 3,034 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,528,000 | 935 |
| Total noninterest expense | $5,881,000 | 2,243 |
| Salaries and employee benefits | $4,093,000 | 1,794 |
| Premises and equipment expense | $714,000 | 2,590 |
| Additional noninterest expense | $1,074,000 | 3,416 |
| Pre-tax net operating income | $2,051,000 | 3,051 |
| Securities gains (losses) | $-125,000 | 8,456 |
| Applicable income taxes | $564,000 | 2,687 |
| Income before extraordinary items | $1,362,000 | 3,412 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,362,000 | 3,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,111 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,450,750 | 3,270 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,407,000 | 2,861 |
| Total interest expense | $2,674,000 | 2,669 |
| Net interest income | $3,733,000 | 2,968 |
| Provision for loan and lease losses | $230,000 | 1,895 |
| Total noninterest income | $1,853,000 | 1,386 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $251,000 | 3,050 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,602,000 | 970 |
| Total noninterest expense | $3,793,000 | 2,332 |
| Salaries and employee benefits | $2,641,000 | 1,855 |
| Premises and equipment expense | $478,000 | 2,576 |
| Additional noninterest expense | $674,000 | 3,598 |
| Pre-tax net operating income | $1,563,000 | 2,803 |
| Securities gains (losses) | $-125,000 | 8,568 |
| Applicable income taxes | $439,000 | 2,482 |
| Income before extraordinary items | $999,000 | 3,211 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $999,000 | 3,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,085,250 | 3,011 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,057,000 | 2,923 |
| Total interest expense | $1,246,000 | 2,720 |
| Net interest income | $1,811,000 | 3,042 |
| Provision for loan and lease losses | $50,000 | 3,099 |
| Total noninterest income | $933,000 | 1,352 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $126,000 | 2,974 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $807,000 | 954 |
| Total noninterest expense | $1,830,000 | 2,418 |
| Salaries and employee benefits | $1,245,000 | 1,965 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $344,000 | 3,491 |
| Pre-tax net operating income | $864,000 | 2,550 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $274,000 | 2,127 |
| Income before extraordinary items | $590,000 | 2,775 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $590,000 | 2,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 1,755 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $590,000 | 2,759 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,718,000 | 2,964 |
| Total interest expense | $3,461,000 | 2,969 |
| Net interest income | $7,257,000 | 2,956 |
| Provision for loan and lease losses | $-54,000 | 8,589 |
| Total noninterest income | $3,963,000 | 1,285 |
| Gross Fiduciary activities income | $524,000 | 573 |
| Service charges on deposit accounts | $481,000 | 3,133 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,958,000 | 1,026 |
| Total noninterest expense | $7,552,000 | 2,217 |
| Salaries and employee benefits | $4,854,000 | 1,909 |
| Premises and equipment expense | $862,000 | 2,695 |
| Additional noninterest expense | $1,836,000 | 2,714 |
| Pre-tax net operating income | $3,722,000 | 2,341 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,226,000 | 1,972 |
| Income before extraordinary items | $2,496,000 | 2,606 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,496,000 | 2,606 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,399 |
| Cash dividends | $488,000 | 3,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,496,000 | 2,583 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,773,000 | 3,004 |
| Total interest expense | $2,387,000 | 3,035 |
| Net interest income | $5,386,000 | 2,969 |
| Provision for loan and lease losses | $-59,000 | 8,676 |
| Total noninterest income | $2,997,000 | 1,296 |
| Gross Fiduciary activities income | $383,000 | 569 |
| Service charges on deposit accounts | $364,000 | 3,112 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,250,000 | 1,023 |
| Total noninterest expense | $5,369,000 | 2,307 |
| Salaries and employee benefits | $3,493,000 | 1,954 |
| Premises and equipment expense | $577,000 | 2,981 |
| Additional noninterest expense | $1,299,000 | 2,829 |
| Pre-tax net operating income | $3,073,000 | 2,187 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,038,000 | 1,823 |
| Income before extraordinary items | $2,035,000 | 2,454 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,035,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,335 |
| Cash dividends | $483,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,035,000 | 2,426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,999,000 | 3,031 |
| Total interest expense | $1,458,000 | 3,115 |
| Net interest income | $3,541,000 | 2,971 |
| Provision for loan and lease losses | $48,000 | 4,636 |
| Total noninterest income | $1,933,000 | 1,307 |
| Gross Fiduciary activities income | $254,000 | 579 |
| Service charges on deposit accounts | $230,000 | 3,207 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,449,000 | 1,030 |
| Total noninterest expense | $3,416,000 | 2,401 |
| Salaries and employee benefits | $2,224,000 | 2,035 |
| Premises and equipment expense | $381,000 | 2,981 |
| Additional noninterest expense | $811,000 | 2,990 |
| Pre-tax net operating income | $2,010,000 | 2,182 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $675,000 | 1,833 |
| Income before extraordinary items | $1,335,000 | 2,425 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,335,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,347 |
| Cash dividends | $483,000 | 2,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,335,000 | 2,395 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,410,000 | 3,089 |
| Total interest expense | $649,000 | 3,304 |
| Net interest income | $1,761,000 | 2,976 |
| Provision for loan and lease losses | $-8,000 | 8,714 |
| Total noninterest income | $1,086,000 | 1,172 |
| Gross Fiduciary activities income | $128,000 | 590 |
| Service charges on deposit accounts | $107,000 | 3,293 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $851,000 | 900 |
| Total noninterest expense | $1,729,000 | 2,380 |
| Salaries and employee benefits | $1,103,000 | 2,071 |
| Premises and equipment expense | $192,000 | 2,982 |
| Additional noninterest expense | $434,000 | 2,794 |
| Pre-tax net operating income | $1,126,000 | 1,966 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $385,000 | 1,652 |
| Income before extraordinary items | $741,000 | 2,226 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $741,000 | 2,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,541 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $741,000 | 2,186 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,121,000 | 3,066 |
| Total interest expense | $1,831,000 | 3,925 |
| Net interest income | $7,290,000 | 2,776 |
| Provision for loan and lease losses | $218,000 | 3,559 |
| Total noninterest income | $3,504,000 | 1,420 |
| Gross Fiduciary activities income | $430,000 | 613 |
| Service charges on deposit accounts | $425,000 | 3,499 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,649,000 | 1,073 |
| Total noninterest expense | $7,176,000 | 2,217 |
| Salaries and employee benefits | $4,202,000 | 2,077 |
| Premises and equipment expense | $793,000 | 2,803 |
| Additional noninterest expense | $2,181,000 | 2,234 |
| Pre-tax net operating income | $3,400,000 | 2,325 |
| Securities gains (losses) | $44,000 | 1,837 |
| Applicable income taxes | $1,165,000 | 1,945 |
| Income before extraordinary items | $2,279,000 | 2,612 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,279,000 | 2,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,894 |
| Cash dividends | $2,552,000 | 1,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,249,960 | 2,594 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,769,000 | 3,071 |
| Total interest expense | $1,244,000 | 4,166 |
| Net interest income | $5,525,000 | 2,716 |
| Provision for loan and lease losses | $154,000 | 3,485 |
| Total noninterest income | $2,271,000 | 1,604 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $320,000 | 3,504 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,951,000 | 1,107 |
| Total noninterest expense | $4,895,000 | 2,426 |
| Salaries and employee benefits | $2,829,000 | 2,290 |
| Premises and equipment expense | $512,000 | 3,189 |
| Additional noninterest expense | $1,554,000 | 2,320 |
| Pre-tax net operating income | $2,747,000 | 2,221 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $911,000 | 1,929 |
| Income before extraordinary items | $1,836,000 | 2,521 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,836,000 | 2,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,094 |
| Cash dividends | $2,138,000 | 917 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,836,000 | 2,451 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,468,000 | 3,076 |
| Total interest expense | $772,000 | 4,383 |
| Net interest income | $3,696,000 | 2,690 |
| Provision for loan and lease losses | $62,000 | 4,241 |
| Total noninterest income | $1,522,000 | 1,568 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $204,000 | 3,594 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,318,000 | 1,094 |
| Total noninterest expense | $3,204,000 | 2,481 |
| Salaries and employee benefits | $1,858,000 | 2,327 |
| Premises and equipment expense | $331,000 | 3,278 |
| Additional noninterest expense | $1,015,000 | 2,362 |
| Pre-tax net operating income | $1,952,000 | 2,085 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $651,000 | 1,805 |
| Income before extraordinary items | $1,301,000 | 2,349 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,301,000 | 2,349 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 8,017 |
| Cash dividends | $1,806,000 | 756 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,301,000 | 2,281 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,174,000 | 3,155 |
| Total interest expense | $380,000 | 4,467 |
| Net interest income | $1,794,000 | 2,772 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $850,000 | 1,421 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $99,000 | 3,616 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $751,000 | 971 |
| Total noninterest expense | $1,630,000 | 2,450 |
| Salaries and employee benefits | $934,000 | 2,330 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $539,000 | 2,204 |
| Pre-tax net operating income | $979,000 | 2,044 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $403,000 | 1,535 |
| Income before extraordinary items | $576,000 | 2,600 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $576,000 | 2,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,966 |
| Cash dividends | $1,076,000 | 628 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $576,000 | 2,510 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,062,000 | 3,090 |
| Total interest expense | $1,757,000 | 4,420 |
| Net interest income | $7,305,000 | 2,648 |
| Provision for loan and lease losses | $351,000 | 2,847 |
| Total noninterest income | $3,892,000 | 1,377 |
| Gross Fiduciary activities income | $615,000 | 491 |
| Service charges on deposit accounts | $445,000 | 3,409 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,832,000 | 1,132 |
| Total noninterest expense | $7,270,000 | 2,168 |
| Salaries and employee benefits | $4,797,000 | 1,798 |
| Premises and equipment expense | $663,000 | 3,227 |
| Additional noninterest expense | $1,810,000 | 2,625 |
| Pre-tax net operating income | $3,576,000 | 2,176 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,173,000 | 1,962 |
| Income before extraordinary items | $2,403,000 | 2,457 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,403,000 | 2,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 2,363 |
| Cash dividends | $650,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,403,000 | 2,343 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,847,000 | 3,112 |
| Total interest expense | $1,343,000 | 4,490 |
| Net interest income | $5,504,000 | 2,654 |
| Provision for loan and lease losses | $277,000 | 2,652 |
| Total noninterest income | $2,835,000 | 1,430 |
| Gross Fiduciary activities income | $454,000 | 505 |
| Service charges on deposit accounts | $340,000 | 3,358 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,041,000 | 1,215 |
| Total noninterest expense | $5,321,000 | 2,215 |
| Salaries and employee benefits | $3,528,000 | 1,840 |
| Premises and equipment expense | $473,000 | 3,368 |
| Additional noninterest expense | $1,320,000 | 2,665 |
| Pre-tax net operating income | $2,741,000 | 2,198 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $889,000 | 2,038 |
| Income before extraordinary items | $1,852,000 | 2,492 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,852,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,186 |
| Cash dividends | $650,000 | 2,267 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,852,000 | 2,362 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,551,000 | 3,138 |
| Total interest expense | $928,000 | 4,494 |
| Net interest income | $3,623,000 | 2,691 |
| Provision for loan and lease losses | $237,000 | 2,255 |
| Total noninterest income | $1,869,000 | 1,432 |
| Gross Fiduciary activities income | $293,000 | 517 |
| Service charges on deposit accounts | $223,000 | 3,357 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,353,000 | 1,221 |
| Total noninterest expense | $3,518,000 | 2,231 |
| Salaries and employee benefits | $2,332,000 | 1,840 |
| Premises and equipment expense | $300,000 | 3,489 |
| Additional noninterest expense | $886,000 | 2,653 |
| Pre-tax net operating income | $1,737,000 | 2,309 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $555,000 | 2,164 |
| Income before extraordinary items | $1,182,000 | 2,612 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,182,000 | 2,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 1,750 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,182,000 | 2,466 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,282,000 | 3,141 |
| Total interest expense | $490,000 | 4,397 |
| Net interest income | $1,792,000 | 2,695 |
| Provision for loan and lease losses | $41,000 | 4,084 |
| Total noninterest income | $961,000 | 1,374 |
| Gross Fiduciary activities income | $146,000 | 533 |
| Service charges on deposit accounts | $104,000 | 3,444 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $711,000 | 1,154 |
| Total noninterest expense | $1,722,000 | 2,264 |
| Salaries and employee benefits | $1,135,000 | 1,886 |
| Premises and equipment expense | $144,000 | 3,607 |
| Additional noninterest expense | $443,000 | 2,603 |
| Pre-tax net operating income | $990,000 | 2,063 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $335,000 | 1,899 |
| Income before extraordinary items | $655,000 | 2,336 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $655,000 | 2,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,840 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $655,000 | 2,207 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,931,000 | 3,326 |
| Total interest expense | $2,338,000 | 4,312 |
| Net interest income | $6,593,000 | 2,892 |
| Provision for loan and lease losses | $356,000 | 3,101 |
| Total noninterest income | $2,702,000 | 1,685 |
| Gross Fiduciary activities income | $590,000 | 526 |
| Service charges on deposit accounts | $447,000 | 3,249 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,665,000 | 1,516 |
| Total noninterest expense | $6,231,000 | 2,381 |
| Salaries and employee benefits | $3,728,000 | 2,143 |
| Premises and equipment expense | $623,000 | 3,305 |
| Additional noninterest expense | $1,880,000 | 2,452 |
| Pre-tax net operating income | $2,708,000 | 2,713 |
| Securities gains (losses) | $135,000 | 1,469 |
| Applicable income taxes | $956,000 | 2,284 |
| Income before extraordinary items | $1,887,000 | 2,938 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,887,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,273 |
| Cash dividends | $100,000 | 5,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,797,900 | 2,947 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,407,000 | 3,493 |
| Total interest expense | $3,906,000 | 3,879 |
| Net interest income | $5,501,000 | 3,176 |
| Provision for loan and lease losses | $151,000 | 4,743 |
| Total noninterest income | $2,266,000 | 1,825 |
| Gross Fiduciary activities income | $562,000 | 556 |
| Service charges on deposit accounts | $443,000 | 3,136 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,261,000 | 1,735 |
| Total noninterest expense | $4,782,000 | 2,934 |
| Salaries and employee benefits | $3,121,000 | 2,405 |
| Premises and equipment expense | $640,000 | 3,190 |
| Additional noninterest expense | $1,021,000 | 4,001 |
| Pre-tax net operating income | $2,834,000 | 2,399 |
| Securities gains (losses) | $34,000 | 2,711 |
| Applicable income taxes | $969,000 | 2,120 |
| Income before extraordinary items | $1,899,000 | 2,659 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,899,000 | 2,664 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $650,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,876,560 | 2,601 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,845,000 | 3,777 |
| Total interest expense | $4,009,000 | 3,974 |
| Net interest income | $4,836,000 | 3,585 |
| Provision for loan and lease losses | $123,000 | 4,793 |
| Total noninterest income | $2,025,000 | 1,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $396,000 | 3,271 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,629,000 | 1,294 |
| Total noninterest expense | $4,384,000 | 3,070 |
| Salaries and employee benefits | $2,748,000 | 2,588 |
| Premises and equipment expense | $616,000 | 3,192 |
| Additional noninterest expense | $1,020,000 | 3,930 |
| Pre-tax net operating income | $2,354,000 | 2,917 |
| Securities gains (losses) | $-62,000 | 9,270 |
| Applicable income taxes | $752,000 | 2,631 |
| Income before extraordinary items | $1,540,000 | 3,184 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,540,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,584 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,581,540 | 3,112 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,407,000 | 4,192 |
| Total interest expense | $3,001,000 | 4,604 |
| Net interest income | $4,406,000 | 3,855 |
| Provision for loan and lease losses | $112,000 | 4,998 |
| Total noninterest income | $1,787,000 | 2,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,410,000 | 1,451 |
| Total noninterest expense | $4,002,000 | 3,314 |
| Salaries and employee benefits | $2,470,000 | 2,839 |
| Premises and equipment expense | $580,000 | 3,365 |
| Additional noninterest expense | $952,000 | 4,173 |
| Pre-tax net operating income | $2,079,000 | 3,231 |
| Securities gains (losses) | $-76,000 | 9,899 |
| Applicable income taxes | $627,000 | 3,131 |
| Income before extraordinary items | $1,376,000 | 3,466 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,376,000 | 3,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,094 |
| Cash dividends | $275,000 | 4,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,428,440 | 3,336 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,190,000 | 4,309 |
| Total interest expense | $2,944,000 | 4,803 |
| Net interest income | $4,246,000 | 3,933 |
| Provision for loan and lease losses | $160,000 | 4,005 |
| Total noninterest income | $1,422,000 | 2,358 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,042 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $1,008,000 | 1,844 |
| Total noninterest expense | $3,313,000 | 3,780 |
| Salaries and employee benefits | $2,051,000 | 3,254 |
| Premises and equipment expense | $411,000 | 4,336 |
| Additional noninterest expense | $851,000 | 4,468 |
| Pre-tax net operating income | $2,195,000 | 3,090 |
| Securities gains (losses) | $6,000 | 3,324 |
| Applicable income taxes | $745,000 | 2,894 |
| Income before extraordinary items | $1,456,000 | 3,337 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,456,000 | 3,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 3,872 |
| Cash dividends | $309,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,452,040 | 3,252 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,747,000 | 4,635 |
| Total interest expense | $2,851,000 | 4,929 |
| Net interest income | $3,896,000 | 4,335 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $943,000 | 3,192 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $293,000 | 4,160 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $650,000 | 2,337 |
| Total noninterest expense | $2,818,000 | 4,312 |
| Salaries and employee benefits | $1,687,000 | 3,855 |
| Premises and equipment expense | $399,000 | 4,466 |
| Additional noninterest expense | $732,000 | 5,047 |
| Pre-tax net operating income | $1,901,000 | 3,700 |
| Securities gains (losses) | $-16,000 | 10,264 |
| Applicable income taxes | $629,000 | 3,536 |
| Income before extraordinary items | $1,256,000 | 3,904 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,256,000 | 3,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,479 |
| Cash dividends | $1,200,000 | 1,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,266,720 | 3,811 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,941,000 | 5,222 |
| Total interest expense | $2,458,000 | 5,572 |
| Net interest income | $3,483,000 | 4,842 |
| Provision for loan and lease losses | $220,000 | 3,199 |
| Total noninterest income | $1,014,000 | 3,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $763,000 | 2,169 |
| Total noninterest expense | $2,565,000 | 4,904 |
| Salaries and employee benefits | $1,473,000 | 4,382 |
| Premises and equipment expense | $343,000 | 5,078 |
| Additional noninterest expense | $749,000 | 5,464 |
| Pre-tax net operating income | $1,712,000 | 3,890 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $552,000 | 3,825 |
| Income before extraordinary items | $1,160,000 | 3,979 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,160,000 | 3,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,188 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,160,000 | 3,934 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,087,000 | 5,910 |
| Total interest expense | $1,998,000 | 6,468 |
| Net interest income | $3,089,000 | 5,375 |
| Provision for loan and lease losses | $28,000 | 7,236 |
| Total noninterest income | $815,000 | 3,634 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 4,827 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $557,000 | 2,678 |
| Total noninterest expense | $2,228,000 | 5,495 |
| Salaries and employee benefits | $1,337,000 | 4,760 |
| Premises and equipment expense | $240,000 | 6,502 |
| Additional noninterest expense | $651,000 | 6,191 |
| Pre-tax net operating income | $1,648,000 | 4,114 |
| Securities gains (losses) | $-23,000 | 10,647 |
| Applicable income taxes | $515,000 | 4,109 |
| Income before extraordinary items | $1,110,000 | 4,223 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,110,000 | 4,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 5,530 |
| Cash dividends | $950,000 | 2,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,125,640 | 4,154 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 6,522 |
| Total interest expense | $1,453,000 | 7,037 |
| Net interest income | $2,701,000 | 6,100 |
| Provision for loan and lease losses | $7,000 | 8,694 |
| Total noninterest income | $777,000 | 3,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 5,255 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $541,000 | 2,805 |
| Total noninterest expense | $2,015,000 | 6,169 |
| Salaries and employee benefits | $1,142,000 | 5,483 |
| Premises and equipment expense | $220,000 | 7,054 |
| Additional noninterest expense | $653,000 | 6,655 |
| Pre-tax net operating income | $1,456,000 | 4,516 |
| Securities gains (losses) | $-176,000 | 11,891 |
| Applicable income taxes | $382,000 | 4,925 |
| Income before extraordinary items | $898,000 | 4,927 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $898,000 | 4,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-72,000 | 12,079 |
| Cash dividends | $750,000 | 2,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,021,200 | 4,507 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,265,000 | 6,557 |
| Total interest expense | $1,405,000 | 7,524 |
| Net interest income | $2,860,000 | 5,862 |
| Provision for loan and lease losses | $-91,000 | 12,876 |
| Total noninterest income | $914,000 | 3,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $231,000 | 5,403 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $683,000 | 2,640 |
| Total noninterest expense | $1,982,000 | 6,384 |
| Salaries and employee benefits | $1,086,000 | 5,712 |
| Premises and equipment expense | $236,000 | 6,969 |
| Additional noninterest expense | $660,000 | 6,870 |
| Pre-tax net operating income | $1,883,000 | 3,518 |
| Securities gains (losses) | $-35,000 | 13,034 |
| Applicable income taxes | $559,000 | 3,803 |
| Income before extraordinary items | $1,289,000 | 3,743 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,289,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-89,000 | 12,901 |
| Cash dividends | $1,300,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,313,500 | 3,482 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,444,000 | 6,962 |
| Total interest expense | $1,691,000 | 7,915 |
| Net interest income | $2,753,000 | 6,120 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $817,000 | 3,920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,480 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $590,000 | 2,848 |
| Total noninterest expense | $2,140,000 | 6,057 |
| Salaries and employee benefits | $1,133,000 | 5,450 |
| Premises and equipment expense | $250,000 | 6,773 |
| Additional noninterest expense | $757,000 | 6,372 |
| Pre-tax net operating income | $1,430,000 | 4,225 |
| Securities gains (losses) | $153,000 | 2,394 |
| Applicable income taxes | $486,000 | 4,088 |
| Income before extraordinary items | $1,097,000 | 4,141 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,097,000 | 4,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 10,474 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $991,430 | 4,213 |
* 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.