Home > American Sterling Bank > Income and Expense
American Sterling Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,365,000 | 5,017 |
| Total interest expense | $998,000 | 3,051 |
| Net interest income | $367,000 | 7,033 |
| Provision for loan and lease losses | $1,276,000 | 1,019 |
| Total noninterest income | $1,279,000 | 1,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $1,279,000 | 700 |
| Total noninterest expense | $5,019,000 | 1,003 |
| Salaries and employee benefits | $2,091,000 | 1,230 |
| Premises and equipment expense | $927,000 | 768 |
| Additional noninterest expense | $2,001,000 | 823 |
| Pre-tax net operating income | $-4,649,000 | 8,016 |
| Securities gains (losses) | $207,000 | 652 |
| Applicable income taxes | $-1,311,000 | 8,044 |
| Income before extraordinary items | $-3,131,000 | 7,981 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-3,131,000 | 7,982 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-3,131,000 | 7,982 |
| Net charge-offs | $1,368,000 | 783 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,275,900 | 7,995 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,305,000 | 3,197 |
| Total interest expense | $7,153,000 | 2,165 |
| Net interest income | $4,152,000 | 4,468 |
| Provision for loan and lease losses | $4,952,000 | 1,005 |
| Total noninterest income | $-1,558,000 | 8,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-1,558,000 | 8,265 |
| Total noninterest expense | $44,422,000 | 466 |
| Salaries and employee benefits | $17,540,000 | 549 |
| Premises and equipment expense | $5,618,000 | 487 |
| Additional noninterest expense | $21,264,000 | 375 |
| Pre-tax net operating income | $-46,780,000 | 8,195 |
| Securities gains (losses) | $9,173,000 | 48 |
| Applicable income taxes | $3,271,000 | 437 |
| Income before extraordinary items | $-40,878,000 | 8,176 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-40,878,000 | 8,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,833,000 | 839 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-50,051,000 | 8,199 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,709,000 | 2,890 |
| Total interest expense | $6,031,000 | 2,042 |
| Net interest income | $3,678,000 | 4,020 |
| Provision for loan and lease losses | $4,050,000 | 756 |
| Total noninterest income | $-375,000 | 8,331 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-375,000 | 8,328 |
| Total noninterest expense | $30,440,000 | 496 |
| Salaries and employee benefits | $14,156,000 | 523 |
| Premises and equipment expense | $3,643,000 | 575 |
| Additional noninterest expense | $12,641,000 | 412 |
| Pre-tax net operating income | $-31,187,000 | 8,314 |
| Securities gains (losses) | $6,863,000 | 49 |
| Applicable income taxes | $-9,884,000 | 8,310 |
| Income before extraordinary items | $-14,440,000 | 8,251 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-14,440,000 | 8,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,933,000 | 649 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-18,832,320 | 8,285 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,219,000 | 2,645 |
| Total interest expense | $4,560,000 | 1,894 |
| Net interest income | $2,659,000 | 3,809 |
| Provision for loan and lease losses | $3,975,000 | 510 |
| Total noninterest income | $6,150,000 | 553 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $6,150,000 | 376 |
| Total noninterest expense | $16,321,000 | 595 |
| Salaries and employee benefits | $9,656,000 | 512 |
| Premises and equipment expense | $2,476,000 | 558 |
| Additional noninterest expense | $4,189,000 | 720 |
| Pre-tax net operating income | $-11,487,000 | 8,364 |
| Securities gains (losses) | $6,923,000 | 49 |
| Applicable income taxes | $-1,821,000 | 8,322 |
| Income before extraordinary items | $-2,743,000 | 8,260 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,743,000 | 8,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,153,000 | 409 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-7,173,720 | 8,347 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,703,000 | 2,652 |
| Total interest expense | $2,465,000 | 1,884 |
| Net interest income | $1,238,000 | 4,011 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $4,256,000 | 440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $4,256,000 | 299 |
| Total noninterest expense | $8,314,000 | 582 |
| Salaries and employee benefits | $5,035,000 | 501 |
| Premises and equipment expense | $1,359,000 | 508 |
| Additional noninterest expense | $1,920,000 | 759 |
| Pre-tax net operating income | $-2,820,000 | 8,395 |
| Securities gains (losses) | $3,187,000 | 69 |
| Applicable income taxes | $147,000 | 2,349 |
| Income before extraordinary items | $220,000 | 4,472 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $220,000 | 4,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 1,263 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-1,819,680 | 8,371 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,000,000 | 2,679 |
| Total interest expense | $9,255,000 | 2,066 |
| Net interest income | $5,745,000 | 3,622 |
| Provision for loan and lease losses | $-819,000 | 8,504 |
| Total noninterest income | $7,029,000 | 829 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $7,029,000 | 519 |
| Total noninterest expense | $26,900,000 | 705 |
| Salaries and employee benefits | $17,413,000 | 555 |
| Premises and equipment expense | $4,439,000 | 595 |
| Additional noninterest expense | $5,048,000 | 1,117 |
| Pre-tax net operating income | $-13,307,000 | 8,491 |
| Securities gains (losses) | $7,322,000 | 49 |
| Applicable income taxes | $-2,259,000 | 8,464 |
| Income before extraordinary items | $-3,726,000 | 8,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-3,726,000 | 8,424 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-478,000 | 8,497 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-8,412,080 | 8,470 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,889,000 | 2,766 |
| Total interest expense | $6,742,000 | 2,110 |
| Net interest income | $4,147,000 | 3,736 |
| Provision for loan and lease losses | $-400,000 | 8,510 |
| Total noninterest income | $5,143,000 | 844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $5,143,000 | 539 |
| Total noninterest expense | $18,671,000 | 740 |
| Salaries and employee benefits | $12,146,000 | 595 |
| Premises and equipment expense | $3,111,000 | 637 |
| Additional noninterest expense | $3,414,000 | 1,202 |
| Pre-tax net operating income | $-8,981,000 | 8,544 |
| Securities gains (losses) | $3,882,000 | 63 |
| Applicable income taxes | $-1,929,000 | 8,519 |
| Income before extraordinary items | $-3,170,000 | 8,506 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-3,170,000 | 8,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-485,000 | 8,525 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-5,654,480 | 8,530 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,088,000 | 2,840 |
| Total interest expense | $4,349,000 | 2,172 |
| Net interest income | $2,739,000 | 3,785 |
| Provision for loan and lease losses | $-400,000 | 8,558 |
| Total noninterest income | $2,407,000 | 1,155 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,407,000 | 730 |
| Total noninterest expense | $11,914,000 | 784 |
| Salaries and employee benefits | $7,626,000 | 649 |
| Premises and equipment expense | $2,001,000 | 679 |
| Additional noninterest expense | $2,287,000 | 1,214 |
| Pre-tax net operating income | $-6,368,000 | 8,600 |
| Securities gains (losses) | $3,316,000 | 55 |
| Applicable income taxes | $-1,156,000 | 8,583 |
| Income before extraordinary items | $-1,896,000 | 8,561 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,896,000 | 8,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-505,000 | 8,582 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-4,018,240 | 8,585 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,695,000 | 2,726 |
| Total interest expense | $2,106,000 | 2,222 |
| Net interest income | $1,589,000 | 3,380 |
| Provision for loan and lease losses | $-400,000 | 8,611 |
| Total noninterest income | $910,000 | 1,406 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $910,000 | 905 |
| Total noninterest expense | $6,084,000 | 769 |
| Salaries and employee benefits | $3,971,000 | 626 |
| Premises and equipment expense | $1,017,000 | 661 |
| Additional noninterest expense | $1,096,000 | 1,236 |
| Pre-tax net operating income | $-3,185,000 | 8,633 |
| Securities gains (losses) | $1,309,000 | 60 |
| Applicable income taxes | $-747,000 | 8,624 |
| Income before extraordinary items | $-1,129,000 | 8,600 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,129,000 | 8,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-498,000 | 8,621 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-1,966,760 | 8,614 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,635,000 | 2,954 |
| Total interest expense | $6,277,000 | 2,496 |
| Net interest income | $6,358,000 | 3,373 |
| Provision for loan and lease losses | $-130,000 | 8,494 |
| Total noninterest income | $1,887,000 | 2,325 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,887,000 | 1,425 |
| Total noninterest expense | $14,084,000 | 1,270 |
| Salaries and employee benefits | $9,315,000 | 1,039 |
| Premises and equipment expense | $2,777,000 | 910 |
| Additional noninterest expense | $1,992,000 | 2,580 |
| Pre-tax net operating income | $-5,709,000 | 8,664 |
| Securities gains (losses) | $2,865,000 | 85 |
| Applicable income taxes | $-1,149,000 | 8,634 |
| Income before extraordinary items | $-1,695,000 | 8,570 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $-1,695,000 | 8,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-68,000 | 8,416 |
| Cash dividends | $1,500,000 | 1,921 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $-3,528,600 | 8,643 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,481,000 | 3,233 |
| Total interest expense | $3,902,000 | 2,839 |
| Net interest income | $4,579,000 | 3,497 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $642,000 | 3,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $642,000 | 2,461 |
| Total noninterest expense | $8,311,000 | 1,614 |
| Salaries and employee benefits | $5,315,000 | 1,393 |
| Premises and equipment expense | $1,697,000 | 1,134 |
| Additional noninterest expense | $1,299,000 | 2,905 |
| Pre-tax net operating income | $-3,090,000 | 8,724 |
| Securities gains (losses) | $691,000 | 182 |
| Applicable income taxes | $-972,000 | 8,716 |
| Income before extraordinary items | $-1,427,000 | 8,666 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $-1,427,000 | 8,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 8,399 |
| Cash dividends | $1,500,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $-1,869,240 | 8,693 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,678,000 | 3,170 |
| Total interest expense | $2,520,000 | 2,799 |
| Net interest income | $3,158,000 | 3,421 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $967,000 | 2,277 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $967,000 | 1,384 |
| Total noninterest expense | $5,390,000 | 1,660 |
| Salaries and employee benefits | $3,262,000 | 1,528 |
| Premises and equipment expense | $1,036,000 | 1,250 |
| Additional noninterest expense | $1,092,000 | 2,369 |
| Pre-tax net operating income | $-1,265,000 | 8,720 |
| Securities gains (losses) | $361,000 | 193 |
| Applicable income taxes | $-372,000 | 8,728 |
| Income before extraordinary items | $-532,000 | 8,596 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-532,000 | 8,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,354 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $-763,040 | 8,651 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 3,316 |
| Total interest expense | $1,225,000 | 2,752 |
| Net interest income | $1,398,000 | 3,736 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $614,000 | 1,902 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $614,000 | 1,153 |
| Total noninterest expense | $2,700,000 | 1,658 |
| Salaries and employee benefits | $1,636,000 | 1,521 |
| Premises and equipment expense | $507,000 | 1,281 |
| Additional noninterest expense | $557,000 | 2,297 |
| Pre-tax net operating income | $-688,000 | 8,726 |
| Securities gains (losses) | $7,000 | 642 |
| Applicable income taxes | $-276,000 | 8,747 |
| Income before extraordinary items | $-405,000 | 8,683 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-405,000 | 8,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,032 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $-409,480 | 8,674 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,766,000 | 2,954 |
| Total interest expense | $3,993,000 | 2,656 |
| Net interest income | $6,773,000 | 3,123 |
| Provision for loan and lease losses | $18,000 | 6,565 |
| Total noninterest income | $2,203,000 | 2,060 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,203,000 | 1,266 |
| Total noninterest expense | $11,322,000 | 1,516 |
| Salaries and employee benefits | $6,983,000 | 1,334 |
| Premises and equipment expense | $2,040,000 | 1,208 |
| Additional noninterest expense | $2,299,000 | 2,180 |
| Pre-tax net operating income | $-2,364,000 | 8,779 |
| Securities gains (losses) | $3,912,000 | 93 |
| Applicable income taxes | $455,000 | 3,515 |
| Income before extraordinary items | $1,093,000 | 4,587 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,093,000 | 4,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 3,630 |
| Cash dividends | $2,000,000 | 1,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-1,684,520 | 8,742 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,309,000 | 2,840 |
| Total interest expense | $2,920,000 | 2,595 |
| Net interest income | $5,389,000 | 2,967 |
| Provision for loan and lease losses | $18,000 | 6,207 |
| Total noninterest income | $1,933,000 | 1,837 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,933,000 | 1,153 |
| Total noninterest expense | $8,554,000 | 1,499 |
| Salaries and employee benefits | $5,406,000 | 1,280 |
| Premises and equipment expense | $1,527,000 | 1,187 |
| Additional noninterest expense | $1,621,000 | 2,276 |
| Pre-tax net operating income | $-1,250,000 | 8,761 |
| Securities gains (losses) | $3,372,000 | 90 |
| Applicable income taxes | $772,000 | 2,254 |
| Income before extraordinary items | $1,350,000 | 3,396 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,350,000 | 3,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 2,672 |
| Cash dividends | $1,500,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-808,080 | 8,693 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,523,000 | 2,788 |
| Total interest expense | $1,844,000 | 2,583 |
| Net interest income | $3,679,000 | 2,868 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $784,000 | 2,577 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $784,000 | 1,604 |
| Total noninterest expense | $5,802,000 | 1,460 |
| Salaries and employee benefits | $3,657,000 | 1,251 |
| Premises and equipment expense | $981,000 | 1,224 |
| Additional noninterest expense | $1,164,000 | 2,106 |
| Pre-tax net operating income | $-1,357,000 | 8,811 |
| Securities gains (losses) | $2,472,000 | 94 |
| Applicable income taxes | $457,000 | 2,391 |
| Income before extraordinary items | $658,000 | 4,169 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $658,000 | 4,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,182 |
| Cash dividends | $1,000,000 | 1,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-924,080 | 8,771 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 2,691 |
| Total interest expense | $928,000 | 2,482 |
| Net interest income | $1,924,000 | 2,742 |
| Provision for loan and lease losses | $10,000 | 5,373 |
| Total noninterest income | $928,000 | 1,320 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $928,000 | 834 |
| Total noninterest expense | $2,961,000 | 1,429 |
| Salaries and employee benefits | $1,925,000 | 1,190 |
| Premises and equipment expense | $469,000 | 1,281 |
| Additional noninterest expense | $567,000 | 2,158 |
| Pre-tax net operating income | $-119,000 | 8,662 |
| Securities gains (losses) | $1,062,000 | 97 |
| Applicable income taxes | $384,000 | 1,655 |
| Income before extraordinary items | $559,000 | 2,767 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $559,000 | 2,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-120,680 | 8,668 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,915,000 | 2,410 |
| Total interest expense | $3,866,000 | 2,100 |
| Net interest income | $8,049,000 | 2,535 |
| Provision for loan and lease losses | $300,000 | 2,900 |
| Total noninterest income | $3,596,000 | 1,392 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,596,000 | 857 |
| Total noninterest expense | $12,965,000 | 1,268 |
| Salaries and employee benefits | $8,907,000 | 959 |
| Premises and equipment expense | $1,752,000 | 1,321 |
| Additional noninterest expense | $2,306,000 | 2,112 |
| Pre-tax net operating income | $-1,620,000 | 8,878 |
| Securities gains (losses) | $7,584,000 | 81 |
| Applicable income taxes | $2,427,000 | 1,075 |
| Income before extraordinary items | $3,537,000 | 1,795 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,537,000 | 1,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $351,000 | 1,764 |
| Cash dividends | $6,250,000 | 505 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,316,760 | 8,847 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,499,000 | 2,494 |
| Total interest expense | $2,769,000 | 2,159 |
| Net interest income | $5,730,000 | 2,617 |
| Provision for loan and lease losses | $344,000 | 2,044 |
| Total noninterest income | $3,021,000 | 1,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,021,000 | 792 |
| Total noninterest expense | $9,197,000 | 1,330 |
| Salaries and employee benefits | $5,951,000 | 1,084 |
| Premises and equipment expense | $1,424,000 | 1,210 |
| Additional noninterest expense | $1,822,000 | 1,973 |
| Pre-tax net operating income | $-790,000 | 8,857 |
| Securities gains (losses) | $6,100,000 | 85 |
| Applicable income taxes | $2,141,000 | 960 |
| Income before extraordinary items | $3,169,000 | 1,534 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,169,000 | 1,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $418,000 | 1,126 |
| Cash dividends | $2,750,000 | 746 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-735,000 | 8,859 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,477,000 | 2,554 |
| Total interest expense | $1,828,000 | 2,153 |
| Net interest income | $3,649,000 | 2,724 |
| Provision for loan and lease losses | $250,000 | 1,820 |
| Total noninterest income | $1,560,000 | 1,545 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,560,000 | 961 |
| Total noninterest expense | $6,208,000 | 1,317 |
| Salaries and employee benefits | $3,970,000 | 1,080 |
| Premises and equipment expense | $1,018,000 | 1,135 |
| Additional noninterest expense | $1,220,000 | 1,960 |
| Pre-tax net operating income | $-1,249,000 | 9,015 |
| Securities gains (losses) | $4,341,000 | 94 |
| Applicable income taxes | $1,250,000 | 1,076 |
| Income before extraordinary items | $1,842,000 | 1,727 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,842,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 806 |
| Cash dividends | $2,500,000 | 580 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-936,240 | 8,992 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,698,000 | 2,586 |
| Total interest expense | $921,000 | 2,164 |
| Net interest income | $1,777,000 | 2,804 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $571,000 | 1,961 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $571,000 | 1,187 |
| Total noninterest expense | $2,984,000 | 1,376 |
| Salaries and employee benefits | $1,884,000 | 1,165 |
| Premises and equipment expense | $502,000 | 1,177 |
| Additional noninterest expense | $598,000 | 1,979 |
| Pre-tax net operating income | $-726,000 | 9,067 |
| Securities gains (losses) | $1,876,000 | 119 |
| Applicable income taxes | $468,000 | 1,368 |
| Income before extraordinary items | $682,000 | 2,229 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $682,000 | 2,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,364 |
| Cash dividends | $250,000 | 1,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-518,640 | 9,035 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,760,000 | 2,067 |
| Total interest expense | $4,316,000 | 2,064 |
| Net interest income | $9,444,000 | 2,071 |
| Provision for loan and lease losses | $360,000 | 2,773 |
| Total noninterest income | $4,088,000 | 1,319 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $4,088,000 | 881 |
| Total noninterest expense | $14,663,000 | 1,103 |
| Salaries and employee benefits | $9,673,000 | 878 |
| Premises and equipment expense | $1,811,000 | 1,249 |
| Additional noninterest expense | $3,179,000 | 1,554 |
| Pre-tax net operating income | $-1,491,000 | 9,039 |
| Securities gains (losses) | $8,543,000 | 122 |
| Applicable income taxes | $2,851,000 | 965 |
| Income before extraordinary items | $4,201,000 | 1,491 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,201,000 | 1,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,782 |
| Cash dividends | $2,000,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-1,266,520 | 9,025 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,499,000 | 2,062 |
| Total interest expense | $3,339,000 | 2,080 |
| Net interest income | $7,160,000 | 2,062 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $3,139,000 | 1,334 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,139,000 | 902 |
| Total noninterest expense | $10,808,000 | 1,131 |
| Salaries and employee benefits | $6,942,000 | 939 |
| Premises and equipment expense | $1,419,000 | 1,207 |
| Additional noninterest expense | $2,447,000 | 1,501 |
| Pre-tax net operating income | $-779,000 | 9,034 |
| Securities gains (losses) | $7,463,000 | 127 |
| Applicable income taxes | $2,695,000 | 851 |
| Income before extraordinary items | $3,989,000 | 1,233 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,989,000 | 1,233 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,184 |
| Cash dividends | $750,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-787,320 | 9,049 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,687,000 | 2,181 |
| Total interest expense | $2,158,000 | 2,211 |
| Net interest income | $4,529,000 | 2,156 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $3,224,000 | 948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $3,224,000 | 644 |
| Total noninterest expense | $6,915,000 | 1,176 |
| Salaries and employee benefits | $4,422,000 | 981 |
| Premises and equipment expense | $969,000 | 1,180 |
| Additional noninterest expense | $1,524,000 | 1,597 |
| Pre-tax net operating income | $658,000 | 4,600 |
| Securities gains (losses) | $3,724,000 | 158 |
| Applicable income taxes | $1,767,000 | 866 |
| Income before extraordinary items | $2,615,000 | 1,265 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,615,000 | 1,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $231,640 | 6,484 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,283,000 | 2,241 |
| Total interest expense | $1,035,000 | 2,366 |
| Net interest income | $2,248,000 | 2,168 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $1,290,000 | 1,095 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,290,000 | 740 |
| Total noninterest expense | $3,390,000 | 1,183 |
| Salaries and employee benefits | $2,123,000 | 1,012 |
| Premises and equipment expense | $481,000 | 1,190 |
| Additional noninterest expense | $786,000 | 1,510 |
| Pre-tax net operating income | $58,000 | 7,870 |
| Securities gains (losses) | $1,636,000 | 165 |
| Applicable income taxes | $707,000 | 1,050 |
| Income before extraordinary items | $987,000 | 1,628 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $987,000 | 1,627 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,624 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-60,040 | 8,892 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,469,000 | 2,898 |
| Total interest expense | $4,353,000 | 2,554 |
| Net interest income | $6,116,000 | 3,097 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $3,179,000 | 1,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,179,000 | 958 |
| Total noninterest expense | $11,760,000 | 1,312 |
| Salaries and employee benefits | $6,781,000 | 1,189 |
| Premises and equipment expense | $2,165,000 | 1,013 |
| Additional noninterest expense | $2,814,000 | 1,669 |
| Pre-tax net operating income | $-2,705,000 | 9,272 |
| Securities gains (losses) | $4,659,000 | 163 |
| Applicable income taxes | $806,000 | 2,583 |
| Income before extraordinary items | $1,148,000 | 4,201 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,148,000 | 4,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 3,291 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-1,833,760 | 9,240 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,558,000 | 2,713 |
| Total interest expense | $6,867,000 | 2,327 |
| Net interest income | $5,691,000 | 3,084 |
| Provision for loan and lease losses | $301,000 | 3,188 |
| Total noninterest income | $5,431,000 | 920 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $5,431,000 | 621 |
| Total noninterest expense | $14,663,000 | 1,010 |
| Salaries and employee benefits | $8,452,000 | 874 |
| Premises and equipment expense | $2,414,000 | 869 |
| Additional noninterest expense | $3,797,000 | 1,250 |
| Pre-tax net operating income | $-3,842,000 | 9,551 |
| Securities gains (losses) | $6,622,000 | 119 |
| Applicable income taxes | $767,000 | 2,511 |
| Income before extraordinary items | $2,013,000 | 2,520 |
| Extraordinary gains, net | $-886,000 | 9,567 |
| Net income | $1,127,000 | 3,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,750 |
| Cash dividends | $750,000 | 2,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-2,754,840 | 9,531 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,802,000 | 2,097 |
| Total interest expense | $9,629,000 | 1,782 |
| Net interest income | $7,173,000 | 2,476 |
| Provision for loan and lease losses | $-359,000 | 9,869 |
| Total noninterest income | $5,227,000 | 902 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $437,000 | 3,022 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,790,000 | 650 |
| Total noninterest expense | $13,389,000 | 1,041 |
| Salaries and employee benefits | $7,033,000 | 999 |
| Premises and equipment expense | $2,180,000 | 918 |
| Additional noninterest expense | $4,176,000 | 1,112 |
| Pre-tax net operating income | $-630,000 | 9,602 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-257,000 | 9,725 |
| Income before extraordinary items | $-373,000 | 9,498 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-373,000 | 9,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,357 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $-373,000 | 9,499 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,183,000 | 2,295 |
| Total interest expense | $7,296,000 | 2,051 |
| Net interest income | $6,887,000 | 2,550 |
| Provision for loan and lease losses | $849,000 | 1,129 |
| Total noninterest income | $3,356,000 | 1,238 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $455,000 | 2,863 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,901,000 | 914 |
| Total noninterest expense | $6,291,000 | 2,164 |
| Salaries and employee benefits | $3,418,000 | 2,059 |
| Premises and equipment expense | $1,038,000 | 1,974 |
| Additional noninterest expense | $1,835,000 | 2,380 |
| Pre-tax net operating income | $3,103,000 | 2,336 |
| Securities gains (losses) | $-800,000 | 10,134 |
| Applicable income taxes | $857,000 | 2,488 |
| Income before extraordinary items | $1,446,000 | 3,330 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,446,000 | 3,330 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $571,000 | 1,100 |
| Cash dividends | $1,050,000 | 2,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,958,000 | 2,601 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,708,000 | 2,375 |
| Total interest expense | $6,910,000 | 2,192 |
| Net interest income | $6,798,000 | 2,499 |
| Provision for loan and lease losses | $619,000 | 1,451 |
| Total noninterest income | $4,561,000 | 1,004 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $422,000 | 2,987 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $4,139,000 | 734 |
| Total noninterest expense | $6,578,000 | 1,989 |
| Salaries and employee benefits | $3,818,000 | 1,730 |
| Premises and equipment expense | $680,000 | 2,835 |
| Additional noninterest expense | $2,080,000 | 2,049 |
| Pre-tax net operating income | $4,162,000 | 1,757 |
| Securities gains (losses) | $3,000 | 3,720 |
| Applicable income taxes | $1,557,000 | 1,567 |
| Income before extraordinary items | $2,608,000 | 2,006 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,608,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $694,000 | 980 |
| Cash dividends | $400,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,606,080 | 1,934 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $11,922,000 | 2,755 |
| Total interest expense | $5,308,000 | 2,820 |
| Net interest income | $6,614,000 | 2,631 |
| Provision for loan and lease losses | $816,000 | 1,162 |
| Total noninterest income | $1,034,000 | 2,967 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $469,000 | 2,791 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $565,000 | 2,601 |
| Total noninterest expense | $4,308,000 | 2,951 |
| Salaries and employee benefits | $2,347,000 | 2,819 |
| Premises and equipment expense | $637,000 | 2,988 |
| Additional noninterest expense | $1,324,000 | 3,057 |
| Pre-tax net operating income | $2,524,000 | 2,887 |
| Securities gains (losses) | $-2,000 | 9,246 |
| Applicable income taxes | $922,000 | 2,605 |
| Income before extraordinary items | $1,600,000 | 3,166 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,600,000 | 3,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $693,000 | 1,034 |
| Cash dividends | $640,000 | 2,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,601,280 | 3,101 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,595,000 | 3,097 |
| Total interest expense | $4,474,000 | 3,331 |
| Net interest income | $6,121,000 | 2,899 |
| Provision for loan and lease losses | $840,000 | 1,166 |
| Total noninterest income | $811,000 | 3,667 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $521,000 | 2,621 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $290,000 | 4,158 |
| Total noninterest expense | $3,972,000 | 3,368 |
| Salaries and employee benefits | $1,996,000 | 3,338 |
| Premises and equipment expense | $633,000 | 3,041 |
| Additional noninterest expense | $1,343,000 | 3,428 |
| Pre-tax net operating income | $2,120,000 | 3,255 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $772,000 | 2,944 |
| Income before extraordinary items | $1,351,000 | 3,509 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,351,000 | 3,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $606,000 | 1,237 |
| Cash dividends | $250,000 | 4,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,349,080 | 3,468 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,063,000 | 3,594 |
| Total interest expense | $3,755,000 | 3,894 |
| Net interest income | $5,308,000 | 3,338 |
| Provision for loan and lease losses | $694,000 | 1,232 |
| Total noninterest income | $797,000 | 3,692 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $559,000 | 2,416 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $238,000 | 4,622 |
| Total noninterest expense | $3,848,000 | 3,443 |
| Salaries and employee benefits | $2,054,000 | 3,236 |
| Premises and equipment expense | $581,000 | 3,293 |
| Additional noninterest expense | $1,213,000 | 3,701 |
| Pre-tax net operating income | $1,563,000 | 4,305 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $495,000 | 4,227 |
| Income before extraordinary items | $1,069,000 | 4,349 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,069,000 | 4,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 1,469 |
| Cash dividends | $20,000 | 8,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,068,320 | 4,346 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,933,000 | 4,263 |
| Total interest expense | $2,484,000 | 4,685 |
| Net interest income | $4,449,000 | 3,959 |
| Provision for loan and lease losses | $727,000 | 1,172 |
| Total noninterest income | $761,000 | 3,876 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $581,000 | 2,340 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $180,000 | 5,611 |
| Total noninterest expense | $3,904,000 | 3,501 |
| Salaries and employee benefits | $1,854,000 | 3,512 |
| Premises and equipment expense | $616,000 | 3,190 |
| Additional noninterest expense | $1,434,000 | 3,454 |
| Pre-tax net operating income | $579,000 | 8,126 |
| Securities gains (losses) | $15,000 | 1,966 |
| Applicable income taxes | $185,000 | 7,611 |
| Income before extraordinary items | $409,000 | 8,123 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $409,000 | 8,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $621,000 | 1,177 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $398,650 | 8,256 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,552,000 | 4,582 |
| Total interest expense | $2,474,000 | 4,863 |
| Net interest income | $4,078,000 | 4,321 |
| Provision for loan and lease losses | $442,000 | 2,295 |
| Total noninterest income | $753,000 | 4,200 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $582,000 | 2,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 6,152 |
| Total noninterest expense | $3,534,000 | 3,876 |
| Salaries and employee benefits | $1,655,000 | 3,924 |
| Premises and equipment expense | $595,000 | 3,360 |
| Additional noninterest expense | $1,284,000 | 3,965 |
| Pre-tax net operating income | $855,000 | 6,548 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $267,000 | 6,535 |
| Income before extraordinary items | $588,000 | 6,874 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $588,000 | 7,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 1,752 |
| Cash dividends | $150,000 | 6,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $588,000 | 6,626 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,060,000 | 4,794 |
| Total interest expense | $3,030,000 | 5,115 |
| Net interest income | $4,030,000 | 4,411 |
| Provision for loan and lease losses | $510,000 | 2,951 |
| Total noninterest income | $710,000 | 4,359 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $544,000 | 2,540 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $166,000 | 6,287 |
| Total noninterest expense | $3,331,000 | 4,117 |
| Salaries and employee benefits | $1,721,000 | 3,716 |
| Premises and equipment expense | $477,000 | 4,140 |
| Additional noninterest expense | $1,133,000 | 4,573 |
| Pre-tax net operating income | $899,000 | 6,102 |
| Securities gains (losses) | $19,000 | 5,661 |
| Applicable income taxes | $223,000 | 7,127 |
| Income before extraordinary items | $695,000 | 5,961 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $695,000 | 6,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 2,905 |
| Cash dividends | $125,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $680,560 | 5,699 |
* 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.