Home > American Trust & Savings Bank > Income and Expense
American Trust & Savings Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 4,999 |
| Total interest expense | $409,000 | 4,420 |
| Net interest income | $849,000 | 5,140 |
| Provision for loan and lease losses | $34,000 | 5,247 |
| Total noninterest income | $345,000 | 2,610 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $32,000 | 5,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $313,000 | 1,788 |
| Total noninterest expense | $1,347,000 | 3,442 |
| Salaries and employee benefits | $619,000 | 3,727 |
| Premises and equipment expense | $236,000 | 2,704 |
| Additional noninterest expense | $492,000 | 3,233 |
| Pre-tax net operating income | $-187,000 | 6,817 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-187,000 | 6,916 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-187,000 | 6,917 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-187,000 | 6,916 |
| Net charge-offs | $685,000 | 1,348 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-187,000 | 6,875 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,735,000 | 4,746 |
| Total interest expense | $1,897,000 | 4,607 |
| Net interest income | $3,838,000 | 4,696 |
| Provision for loan and lease losses | $1,721,000 | 2,687 |
| Total noninterest income | $1,290,000 | 2,838 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $141,000 | 5,257 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,149,000 | 1,972 |
| Total noninterest expense | $5,295,000 | 3,507 |
| Salaries and employee benefits | $2,404,000 | 3,802 |
| Premises and equipment expense | $968,000 | 2,658 |
| Additional noninterest expense | $1,923,000 | 3,412 |
| Pre-tax net operating income | $-1,888,000 | 6,600 |
| Securities gains (losses) | $232,000 | 1,438 |
| Applicable income taxes | $45,000 | 3,312 |
| Income before extraordinary items | $-1,701,000 | 6,649 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,701,000 | 6,649 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,701,000 | 6,649 |
| Net charge-offs | $855,000 | 3,078 |
| Cash dividends | $42,000 | 4,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,933,000 | 6,730 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,437,000 | 4,715 |
| Total interest expense | $1,454,000 | 4,691 |
| Net interest income | $2,983,000 | 4,604 |
| Provision for loan and lease losses | $1,350,000 | 2,350 |
| Total noninterest income | $978,000 | 2,862 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $120,000 | 5,077 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $858,000 | 2,033 |
| Total noninterest expense | $3,885,000 | 3,576 |
| Salaries and employee benefits | $1,802,000 | 3,852 |
| Premises and equipment expense | $771,000 | 2,544 |
| Additional noninterest expense | $1,312,000 | 3,635 |
| Pre-tax net operating income | $-1,274,000 | 6,773 |
| Securities gains (losses) | $192,000 | 1,315 |
| Applicable income taxes | $45,000 | 3,380 |
| Income before extraordinary items | $-1,127,000 | 6,810 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,127,000 | 6,810 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,127,000 | 6,811 |
| Net charge-offs | $782,000 | 2,503 |
| Cash dividends | $42,000 | 3,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,319,000 | 6,896 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,047,000 | 4,660 |
| Total interest expense | $990,000 | 4,752 |
| Net interest income | $2,057,000 | 4,502 |
| Provision for loan and lease losses | $824,000 | 2,300 |
| Total noninterest income | $663,000 | 2,840 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $78,000 | 5,109 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $585,000 | 2,019 |
| Total noninterest expense | $2,635,000 | 3,566 |
| Salaries and employee benefits | $1,210,000 | 3,875 |
| Premises and equipment expense | $519,000 | 2,562 |
| Additional noninterest expense | $906,000 | 3,539 |
| Pre-tax net operating income | $-739,000 | 6,852 |
| Securities gains (losses) | $115,000 | 1,386 |
| Applicable income taxes | $45,000 | 3,229 |
| Income before extraordinary items | $-669,000 | 6,921 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-669,000 | 6,921 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-669,000 | 6,921 |
| Net charge-offs | $356,000 | 2,740 |
| Cash dividends | $43,000 | 3,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-784,000 | 6,999 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 4,640 |
| Total interest expense | $503,000 | 4,818 |
| Net interest income | $1,058,000 | 4,411 |
| Provision for loan and lease losses | $18,000 | 5,948 |
| Total noninterest income | $347,000 | 2,744 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $38,000 | 5,114 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $309,000 | 1,907 |
| Total noninterest expense | $1,337,000 | 3,460 |
| Salaries and employee benefits | $629,000 | 3,781 |
| Premises and equipment expense | $257,000 | 2,621 |
| Additional noninterest expense | $451,000 | 3,268 |
| Pre-tax net operating income | $50,000 | 5,636 |
| Securities gains (losses) | $26,000 | 1,571 |
| Applicable income taxes | $45,000 | 2,970 |
| Income before extraordinary items | $31,000 | 5,977 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $31,000 | 5,979 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $31,000 | 5,979 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $42,000 | 2,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $14,360 | 6,077 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $6,878,000 | 4,530 |
| Total interest expense | $2,748,000 | 4,503 |
| Net interest income | $4,130,000 | 4,489 |
| Provision for loan and lease losses | $365,000 | 4,286 |
| Total noninterest income | $1,391,000 | 2,771 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $174,000 | 5,047 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,217,000 | 1,861 |
| Total noninterest expense | $4,901,000 | 3,624 |
| Salaries and employee benefits | $2,518,000 | 3,760 |
| Premises and equipment expense | $975,000 | 2,691 |
| Additional noninterest expense | $1,408,000 | 3,791 |
| Pre-tax net operating income | $255,000 | 5,581 |
| Securities gains (losses) | $-6,000 | 6,975 |
| Applicable income taxes | $-5,000 | 6,764 |
| Income before extraordinary items | $254,000 | 5,284 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $254,000 | 5,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 4,406 |
| Cash dividends | $104,000 | 4,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $260,000 | 5,421 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,201,000 | 4,591 |
| Total interest expense | $2,141,000 | 4,510 |
| Net interest income | $3,060,000 | 4,565 |
| Provision for loan and lease losses | $72,000 | 5,542 |
| Total noninterest income | $1,071,000 | 2,772 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $130,000 | 5,093 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $941,000 | 1,908 |
| Total noninterest expense | $3,712,000 | 3,584 |
| Salaries and employee benefits | $1,903,000 | 3,763 |
| Premises and equipment expense | $724,000 | 2,711 |
| Additional noninterest expense | $1,085,000 | 3,652 |
| Pre-tax net operating income | $347,000 | 5,457 |
| Securities gains (losses) | $-2,000 | 7,202 |
| Applicable income taxes | $-5,000 | 7,277 |
| Income before extraordinary items | $350,000 | 4,995 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $350,000 | 4,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,553 |
| Cash dividends | $52,000 | 4,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $352,000 | 5,150 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,474,000 | 4,646 |
| Total interest expense | $1,461,000 | 4,572 |
| Net interest income | $2,013,000 | 4,603 |
| Provision for loan and lease losses | $24,000 | 5,853 |
| Total noninterest income | $712,000 | 2,812 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $87,000 | 5,107 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $625,000 | 1,948 |
| Total noninterest expense | $2,504,000 | 3,568 |
| Salaries and employee benefits | $1,284,000 | 3,766 |
| Premises and equipment expense | $484,000 | 2,710 |
| Additional noninterest expense | $736,000 | 3,581 |
| Pre-tax net operating income | $197,000 | 5,834 |
| Securities gains (losses) | $-3,000 | 8,017 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $194,000 | 5,653 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $194,000 | 5,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,590 |
| Cash dividends | $52,000 | 4,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $197,000 | 5,565 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,794,000 | 4,647 |
| Total interest expense | $767,000 | 4,623 |
| Net interest income | $1,027,000 | 4,535 |
| Provision for loan and lease losses | $12,000 | 5,324 |
| Total noninterest income | $374,000 | 2,728 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $44,000 | 5,057 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $330,000 | 1,856 |
| Total noninterest expense | $1,256,000 | 3,572 |
| Salaries and employee benefits | $653,000 | 3,735 |
| Premises and equipment expense | $242,000 | 2,723 |
| Additional noninterest expense | $361,000 | 3,575 |
| Pre-tax net operating income | $133,000 | 5,620 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $133,000 | 5,410 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $133,000 | 5,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,393 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $133,000 | 5,308 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,426,000 | 4,988 |
| Total interest expense | $3,030,000 | 4,764 |
| Net interest income | $3,396,000 | 5,138 |
| Provision for loan and lease losses | $48,000 | 5,712 |
| Total noninterest income | $1,621,000 | 2,571 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $232,000 | 4,601 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,389,000 | 1,765 |
| Total noninterest expense | $5,058,000 | 3,411 |
| Salaries and employee benefits | $2,659,000 | 3,551 |
| Premises and equipment expense | $997,000 | 2,576 |
| Additional noninterest expense | $1,402,000 | 3,614 |
| Pre-tax net operating income | $-89,000 | 7,547 |
| Securities gains (losses) | $5,000 | 1,575 |
| Applicable income taxes | $-89,000 | 8,011 |
| Income before extraordinary items | $5,000 | 7,480 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,000 | 7,478 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 3,091 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,800 | 7,463 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,799,000 | 5,021 |
| Total interest expense | $2,293,000 | 4,751 |
| Net interest income | $2,506,000 | 5,211 |
| Provision for loan and lease losses | $36,000 | 5,408 |
| Total noninterest income | $1,255,000 | 2,509 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $173,000 | 4,649 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,082,000 | 1,731 |
| Total noninterest expense | $3,837,000 | 3,362 |
| Salaries and employee benefits | $2,001,000 | 3,538 |
| Premises and equipment expense | $765,000 | 2,514 |
| Additional noninterest expense | $1,071,000 | 3,509 |
| Pre-tax net operating income | $-112,000 | 7,819 |
| Securities gains (losses) | $3,000 | 1,317 |
| Applicable income taxes | $-84,000 | 8,223 |
| Income before extraordinary items | $-25,000 | 7,732 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-25,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,169 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-26,920 | 7,715 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,147,000 | 5,095 |
| Total interest expense | $1,513,000 | 4,771 |
| Net interest income | $1,634,000 | 5,309 |
| Provision for loan and lease losses | $24,000 | 5,201 |
| Total noninterest income | $824,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $113,000 | 4,690 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $711,000 | 1,758 |
| Total noninterest expense | $2,534,000 | 3,404 |
| Salaries and employee benefits | $1,327,000 | 3,581 |
| Premises and equipment expense | $505,000 | 2,567 |
| Additional noninterest expense | $702,000 | 3,557 |
| Pre-tax net operating income | $-100,000 | 7,975 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $-84,000 | 8,359 |
| Income before extraordinary items | $-15,000 | 7,830 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-15,000 | 7,829 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 1,568 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-15,640 | 7,819 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,580,000 | 5,075 |
| Total interest expense | $760,000 | 4,736 |
| Net interest income | $820,000 | 5,312 |
| Provision for loan and lease losses | $12,000 | 4,908 |
| Total noninterest income | $403,000 | 2,553 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $57,000 | 4,628 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $346,000 | 1,761 |
| Total noninterest expense | $1,268,000 | 3,421 |
| Salaries and employee benefits | $656,000 | 3,631 |
| Premises and equipment expense | $255,000 | 2,541 |
| Additional noninterest expense | $357,000 | 3,478 |
| Pre-tax net operating income | $-57,000 | 8,053 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-57,000 | 8,072 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-57,000 | 8,071 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,566 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-57,000 | 8,059 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,643,000 | 4,702 |
| Total interest expense | $3,139,000 | 4,203 |
| Net interest income | $3,504,000 | 5,052 |
| Provision for loan and lease losses | $178,000 | 3,798 |
| Total noninterest income | $1,564,000 | 2,632 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $255,000 | 4,448 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,309,000 | 1,832 |
| Total noninterest expense | $4,890,000 | 3,412 |
| Salaries and employee benefits | $2,633,000 | 3,477 |
| Premises and equipment expense | $1,027,000 | 2,414 |
| Additional noninterest expense | $1,230,000 | 3,855 |
| Pre-tax net operating income | $0 | 7,943 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $0 | 7,983 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $0 | 7,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,128 |
| Cash dividends | $525,000 | 3,624 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $0 | 7,965 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,011,000 | 4,683 |
| Total interest expense | $2,370,000 | 4,099 |
| Net interest income | $2,641,000 | 5,072 |
| Provision for loan and lease losses | $36,000 | 5,493 |
| Total noninterest income | $1,207,000 | 2,590 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $196,000 | 4,431 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,011,000 | 1,805 |
| Total noninterest expense | $3,800,000 | 3,313 |
| Salaries and employee benefits | $1,996,000 | 3,455 |
| Premises and equipment expense | $803,000 | 2,317 |
| Additional noninterest expense | $1,001,000 | 3,600 |
| Pre-tax net operating income | $12,000 | 8,073 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $12,000 | 8,094 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $12,000 | 8,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $325,000 | 3,534 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $12,000 | 8,081 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,380,000 | 4,617 |
| Total interest expense | $1,579,000 | 3,978 |
| Net interest income | $1,801,000 | 5,025 |
| Provision for loan and lease losses | $24,000 | 5,394 |
| Total noninterest income | $846,000 | 2,501 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $128,000 | 4,460 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $718,000 | 1,731 |
| Total noninterest expense | $2,550,000 | 3,301 |
| Salaries and employee benefits | $1,348,000 | 3,431 |
| Premises and equipment expense | $523,000 | 2,373 |
| Additional noninterest expense | $679,000 | 3,574 |
| Pre-tax net operating income | $73,000 | 7,841 |
| Securities gains (losses) | $-3,000 | 7,591 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $70,000 | 7,766 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $70,000 | 7,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,558 |
| Cash dividends | $100,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $73,000 | 7,745 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,728,000 | 4,495 |
| Total interest expense | $782,000 | 3,876 |
| Net interest income | $946,000 | 4,875 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $440,000 | 2,393 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $64,000 | 4,410 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $376,000 | 1,639 |
| Total noninterest expense | $1,312,000 | 3,235 |
| Salaries and employee benefits | $680,000 | 3,408 |
| Premises and equipment expense | $299,000 | 2,110 |
| Additional noninterest expense | $333,000 | 3,587 |
| Pre-tax net operating income | $62,000 | 7,543 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $60,000 | 7,363 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $60,000 | 7,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $100,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $62,000 | 7,336 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $7,103,000 | 4,104 |
| Total interest expense | $3,091,000 | 3,251 |
| Net interest income | $4,012,000 | 4,612 |
| Provision for loan and lease losses | $257,000 | 3,104 |
| Total noninterest income | $1,511,000 | 2,680 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $265,000 | 4,451 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,246,000 | 1,912 |
| Total noninterest expense | $5,161,000 | 3,150 |
| Salaries and employee benefits | $2,630,000 | 3,335 |
| Premises and equipment expense | $1,175,000 | 2,032 |
| Additional noninterest expense | $1,356,000 | 3,501 |
| Pre-tax net operating income | $105,000 | 7,984 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $-63,000 | 8,564 |
| Income before extraordinary items | $166,000 | 7,728 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $166,000 | 7,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,825 |
| Cash dividends | $100,000 | 5,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $168,000 | 7,683 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $5,393,000 | 4,022 |
| Total interest expense | $2,322,000 | 3,106 |
| Net interest income | $3,071,000 | 4,562 |
| Provision for loan and lease losses | $246,000 | 2,575 |
| Total noninterest income | $1,151,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $196,000 | 4,503 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $955,000 | 1,879 |
| Total noninterest expense | $3,978,000 | 3,042 |
| Salaries and employee benefits | $1,977,000 | 3,307 |
| Premises and equipment expense | $930,000 | 1,935 |
| Additional noninterest expense | $1,071,000 | 3,325 |
| Pre-tax net operating income | $-2,000 | 8,328 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $-1,000 | 8,343 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-1,000 | 8,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $282,000 | 1,312 |
| Cash dividends | $100,000 | 4,657 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-2,000 | 8,315 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,564,000 | 3,988 |
| Total interest expense | $1,460,000 | 3,112 |
| Net interest income | $2,104,000 | 4,458 |
| Provision for loan and lease losses | $212,000 | 2,047 |
| Total noninterest income | $736,000 | 2,682 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $615,000 | 1,899 |
| Total noninterest expense | $2,563,000 | 3,120 |
| Salaries and employee benefits | $1,318,000 | 3,289 |
| Premises and equipment expense | $590,000 | 2,007 |
| Additional noninterest expense | $655,000 | 3,536 |
| Pre-tax net operating income | $65,000 | 8,059 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $67,000 | 7,979 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $67,000 | 7,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $284,000 | 937 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $65,000 | 7,958 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,749,000 | 4,005 |
| Total interest expense | $702,000 | 3,108 |
| Net interest income | $1,047,000 | 4,472 |
| Provision for loan and lease losses | $201,000 | 1,127 |
| Total noninterest income | $390,000 | 2,531 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $55,000 | 4,780 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $335,000 | 1,755 |
| Total noninterest expense | $1,286,000 | 3,124 |
| Salaries and employee benefits | $661,000 | 3,275 |
| Premises and equipment expense | $295,000 | 2,032 |
| Additional noninterest expense | $330,000 | 3,527 |
| Pre-tax net operating income | $-50,000 | 8,580 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-51,000 | 8,599 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-51,000 | 8,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $100,000 | 2,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-50,000 | 8,576 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,349,000 | 3,658 |
| Total interest expense | $2,809,000 | 2,765 |
| Net interest income | $4,540,000 | 4,094 |
| Provision for loan and lease losses | $48,000 | 5,981 |
| Total noninterest income | $1,430,000 | 2,769 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $245,000 | 4,784 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,185,000 | 1,924 |
| Total noninterest expense | $5,030,000 | 3,102 |
| Salaries and employee benefits | $2,621,000 | 3,221 |
| Premises and equipment expense | $1,091,000 | 2,110 |
| Additional noninterest expense | $1,318,000 | 3,486 |
| Pre-tax net operating income | $892,000 | 5,515 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $229,000 | 4,575 |
| Income before extraordinary items | $663,000 | 5,726 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $663,000 | 5,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,996 |
| Cash dividends | $200,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $663,000 | 5,655 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,518,000 | 3,629 |
| Total interest expense | $2,097,000 | 2,743 |
| Net interest income | $3,421,000 | 4,074 |
| Provision for loan and lease losses | $36,000 | 5,817 |
| Total noninterest income | $1,096,000 | 2,747 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $184,000 | 4,828 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $912,000 | 1,897 |
| Total noninterest expense | $3,790,000 | 3,053 |
| Salaries and employee benefits | $1,961,000 | 3,190 |
| Premises and equipment expense | $836,000 | 2,071 |
| Additional noninterest expense | $993,000 | 3,452 |
| Pre-tax net operating income | $691,000 | 5,551 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $183,000 | 4,578 |
| Income before extraordinary items | $508,000 | 5,775 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $508,000 | 5,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $200,000 | 3,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $508,000 | 5,707 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,668,000 | 3,639 |
| Total interest expense | $1,387,000 | 2,745 |
| Net interest income | $2,281,000 | 4,084 |
| Provision for loan and lease losses | $24,000 | 5,696 |
| Total noninterest income | $739,000 | 2,733 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $121,000 | 4,859 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $618,000 | 1,886 |
| Total noninterest expense | $2,529,000 | 3,053 |
| Salaries and employee benefits | $1,308,000 | 3,199 |
| Premises and equipment expense | $557,000 | 2,060 |
| Additional noninterest expense | $664,000 | 3,443 |
| Pre-tax net operating income | $467,000 | 5,481 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $124,000 | 4,561 |
| Income before extraordinary items | $341,000 | 5,738 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $341,000 | 5,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $342,460 | 5,648 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,858,000 | 3,597 |
| Total interest expense | $710,000 | 2,713 |
| Net interest income | $1,148,000 | 4,041 |
| Provision for loan and lease losses | $12,000 | 5,458 |
| Total noninterest income | $383,000 | 2,609 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $60,000 | 4,803 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $323,000 | 1,788 |
| Total noninterest expense | $1,289,000 | 3,011 |
| Salaries and employee benefits | $658,000 | 3,198 |
| Premises and equipment expense | $292,000 | 1,980 |
| Additional noninterest expense | $339,000 | 3,390 |
| Pre-tax net operating income | $230,000 | 5,488 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $63,000 | 4,507 |
| Income before extraordinary items | $168,000 | 5,746 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $168,000 | 5,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $100,000 | 2,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $167,270 | 5,632 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,356,000 | 3,670 |
| Total interest expense | $2,913,000 | 2,946 |
| Net interest income | $4,443,000 | 4,034 |
| Provision for loan and lease losses | $37,000 | 6,587 |
| Total noninterest income | $1,353,000 | 3,047 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $247,000 | 4,779 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,106,000 | 2,243 |
| Total noninterest expense | $4,744,000 | 3,185 |
| Salaries and employee benefits | $2,413,000 | 3,358 |
| Premises and equipment expense | $1,062,000 | 2,144 |
| Additional noninterest expense | $1,269,000 | 3,571 |
| Pre-tax net operating income | $1,015,000 | 5,135 |
| Securities gains (losses) | $10,000 | 3,613 |
| Applicable income taxes | $294,000 | 4,311 |
| Income before extraordinary items | $731,000 | 5,467 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $731,000 | 5,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,397 |
| Cash dividends | $200,000 | 4,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $723,900 | 5,339 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,502,000 | 3,711 |
| Total interest expense | $2,193,000 | 3,028 |
| Net interest income | $3,309,000 | 4,076 |
| Provision for loan and lease losses | $18,000 | 6,830 |
| Total noninterest income | $1,053,000 | 3,029 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $181,000 | 4,859 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $872,000 | 2,241 |
| Total noninterest expense | $3,645,000 | 3,121 |
| Salaries and employee benefits | $1,802,000 | 3,363 |
| Premises and equipment expense | $846,000 | 2,031 |
| Additional noninterest expense | $997,000 | 3,406 |
| Pre-tax net operating income | $699,000 | 5,507 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $197,000 | 4,675 |
| Income before extraordinary items | $502,000 | 5,849 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $502,000 | 5,850 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,467 |
| Cash dividends | $200,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $502,000 | 5,674 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,663,000 | 3,744 |
| Total interest expense | $1,473,000 | 3,101 |
| Net interest income | $2,190,000 | 4,107 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $690,000 | 3,044 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $121,000 | 4,843 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $569,000 | 2,254 |
| Total noninterest expense | $2,404,000 | 3,151 |
| Salaries and employee benefits | $1,195,000 | 3,368 |
| Premises and equipment expense | $556,000 | 2,058 |
| Additional noninterest expense | $653,000 | 3,436 |
| Pre-tax net operating income | $464,000 | 5,502 |
| Securities gains (losses) | $-3,000 | 8,957 |
| Applicable income taxes | $130,000 | 4,727 |
| Income before extraordinary items | $331,000 | 5,873 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $331,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $100,000 | 4,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $333,160 | 5,639 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 3,814 |
| Total interest expense | $737,000 | 3,167 |
| Net interest income | $1,068,000 | 4,196 |
| Provision for loan and lease losses | $6,000 | 6,408 |
| Total noninterest income | $290,000 | 3,324 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $62,000 | 4,671 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $228,000 | 2,493 |
| Total noninterest expense | $1,199,000 | 3,150 |
| Salaries and employee benefits | $599,000 | 3,376 |
| Premises and equipment expense | $288,000 | 1,974 |
| Additional noninterest expense | $312,000 | 3,548 |
| Pre-tax net operating income | $153,000 | 6,427 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $35,000 | 5,559 |
| Income before extraordinary items | $118,000 | 6,585 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $118,000 | 6,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $100,000 | 2,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $118,000 | 6,419 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,545,000 | 3,818 |
| Total interest expense | $3,297,000 | 3,267 |
| Net interest income | $4,248,000 | 4,155 |
| Provision for loan and lease losses | $28,000 | 7,268 |
| Total noninterest income | $1,350,000 | 2,828 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $252,000 | 4,667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,098,000 | 2,055 |
| Total noninterest expense | $4,646,000 | 3,128 |
| Salaries and employee benefits | $2,346,000 | 3,294 |
| Premises and equipment expense | $1,037,000 | 2,110 |
| Additional noninterest expense | $1,263,000 | 3,465 |
| Pre-tax net operating income | $924,000 | 5,402 |
| Securities gains (losses) | $8,000 | 3,732 |
| Applicable income taxes | $285,000 | 4,532 |
| Income before extraordinary items | $647,000 | 5,770 |
| Extraordinary gains, net | $-31,000 | 9,312 |
| Net income | $616,000 | 5,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,572 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $641,480 | 5,662 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,056,000 | 4,002 |
| Total interest expense | $3,860,000 | 3,913 |
| Net interest income | $4,196,000 | 3,983 |
| Provision for loan and lease losses | $59,000 | 6,506 |
| Total noninterest income | $1,199,000 | 2,936 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $244,000 | 4,701 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $955,000 | 2,107 |
| Total noninterest expense | $4,280,000 | 3,226 |
| Salaries and employee benefits | $2,212,000 | 3,311 |
| Premises and equipment expense | $966,000 | 2,216 |
| Additional noninterest expense | $1,102,000 | 3,758 |
| Pre-tax net operating income | $1,056,000 | 4,770 |
| Securities gains (losses) | $-60,000 | 9,461 |
| Applicable income taxes | $372,000 | 3,869 |
| Income before extraordinary items | $624,000 | 5,507 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $624,000 | 5,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $200,000 | 4,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $662,400 | 5,235 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,980,000 | 4,142 |
| Total interest expense | $4,135,000 | 3,873 |
| Net interest income | $3,845,000 | 4,316 |
| Provision for loan and lease losses | $32,000 | 7,167 |
| Total noninterest income | $1,265,000 | 2,656 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $225,000 | 4,812 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,040,000 | 1,812 |
| Total noninterest expense | $4,084,000 | 3,275 |
| Salaries and employee benefits | $2,155,000 | 3,257 |
| Premises and equipment expense | $894,000 | 2,315 |
| Additional noninterest expense | $1,035,000 | 3,887 |
| Pre-tax net operating income | $994,000 | 5,269 |
| Securities gains (losses) | $-34,000 | 9,005 |
| Applicable income taxes | $376,000 | 4,122 |
| Income before extraordinary items | $584,000 | 5,921 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $584,000 | 5,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,278 |
| Cash dividends | $200,000 | 5,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $605,760 | 5,828 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,279,000 | 4,257 |
| Total interest expense | $3,655,000 | 3,887 |
| Net interest income | $3,624,000 | 4,532 |
| Provision for loan and lease losses | $-133,000 | 10,120 |
| Total noninterest income | $1,109,000 | 2,873 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $187,000 | 5,297 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $922,000 | 1,975 |
| Total noninterest expense | $3,823,000 | 3,453 |
| Salaries and employee benefits | $2,008,000 | 3,429 |
| Premises and equipment expense | $798,000 | 2,545 |
| Additional noninterest expense | $1,017,000 | 3,977 |
| Pre-tax net operating income | $1,043,000 | 5,181 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $453,000 | 3,850 |
| Income before extraordinary items | $603,000 | 5,881 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $603,000 | 5,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-137,000 | 10,084 |
| Cash dividends | $200,000 | 5,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $594,680 | 5,905 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,118,000 | 4,342 |
| Total interest expense | $3,816,000 | 3,831 |
| Net interest income | $3,302,000 | 4,799 |
| Provision for loan and lease losses | $243,000 | 3,049 |
| Total noninterest income | $982,000 | 3,125 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $189,000 | 5,298 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $793,000 | 2,184 |
| Total noninterest expense | $3,797,000 | 3,377 |
| Salaries and employee benefits | $1,885,000 | 3,523 |
| Premises and equipment expense | $843,000 | 2,313 |
| Additional noninterest expense | $1,069,000 | 3,724 |
| Pre-tax net operating income | $244,000 | 8,697 |
| Securities gains (losses) | $93,000 | 1,322 |
| Applicable income taxes | $65,000 | 8,075 |
| Income before extraordinary items | $272,000 | 8,096 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $272,000 | 8,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,403 |
| Cash dividends | $200,000 | 5,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $196,670 | 8,579 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,420,000 | 4,284 |
| Total interest expense | $4,177,000 | 3,519 |
| Net interest income | $3,243,000 | 5,007 |
| Provision for loan and lease losses | $424,000 | 2,006 |
| Total noninterest income | $805,000 | 3,555 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $189,000 | 5,510 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $616,000 | 2,427 |
| Total noninterest expense | $3,542,000 | 3,565 |
| Salaries and employee benefits | $1,779,000 | 3,684 |
| Premises and equipment expense | $817,000 | 2,370 |
| Additional noninterest expense | $946,000 | 4,110 |
| Pre-tax net operating income | $82,000 | 10,131 |
| Securities gains (losses) | $90,000 | 1,032 |
| Applicable income taxes | $-73,000 | 10,667 |
| Income before extraordinary items | $245,000 | 8,790 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $245,000 | 8,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,785 |
| Cash dividends | $225,000 | 5,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $155,000 | 9,495 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,527,000 | 4,263 |
| Total interest expense | $4,313,000 | 3,459 |
| Net interest income | $3,214,000 | 5,177 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $813,000 | 3,665 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $162,000 | 6,245 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $651,000 | 2,429 |
| Total noninterest expense | $3,247,000 | 4,050 |
| Salaries and employee benefits | $1,587,000 | 4,096 |
| Premises and equipment expense | $793,000 | 2,475 |
| Additional noninterest expense | $867,000 | 4,891 |
| Pre-tax net operating income | $720,000 | 6,844 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $124,000 | 8,333 |
| Income before extraordinary items | $596,000 | 6,296 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $596,000 | 6,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,548 |
| Cash dividends | $150,000 | 5,964 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $596,000 | 6,233 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,589,000 | 4,219 |
| Total interest expense | $4,215,000 | 3,522 |
| Net interest income | $3,374,000 | 5,010 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $713,000 | 4,021 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $148,000 | 6,717 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $565,000 | 2,647 |
| Total noninterest expense | $3,035,000 | 4,245 |
| Salaries and employee benefits | $1,514,000 | 4,250 |
| Premises and equipment expense | $682,000 | 2,884 |
| Additional noninterest expense | $839,000 | 5,053 |
| Pre-tax net operating income | $992,000 | 6,031 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $282,000 | 6,229 |
| Income before extraordinary items | $710,000 | 5,923 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $710,000 | 5,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,321 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $710,000 | 5,912 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,524,000 | 3,953 |
| Total interest expense | $4,032,000 | 3,026 |
| Net interest income | $3,492,000 | 4,950 |
| Provision for loan and lease losses | $108,000 | 4,394 |
| Total noninterest income | $455,000 | 5,650 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $143,000 | 7,061 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $312,000 | 3,976 |
| Total noninterest expense | $2,897,000 | 4,550 |
| Salaries and employee benefits | $1,355,000 | 4,704 |
| Premises and equipment expense | $654,000 | 3,007 |
| Additional noninterest expense | $888,000 | 5,230 |
| Pre-tax net operating income | $942,000 | 6,205 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $284,000 | 6,074 |
| Income before extraordinary items | $658,000 | 6,167 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $658,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,935 |
| Cash dividends | $100,000 | 6,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $658,000 | 6,238 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,738,000 | 3,934 |
| Total interest expense | $4,174,000 | 3,047 |
| Net interest income | $3,564,000 | 4,882 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $367,000 | 6,836 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $104,000 | 8,262 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $263,000 | 4,852 |
| Total noninterest expense | $2,706,000 | 4,917 |
| Salaries and employee benefits | $1,323,000 | 4,803 |
| Premises and equipment expense | $555,000 | 3,549 |
| Additional noninterest expense | $828,000 | 5,765 |
| Pre-tax net operating income | $1,165,000 | 5,288 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $454,000 | 4,560 |
| Income before extraordinary items | $711,000 | 6,048 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $711,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,711 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $711,000 | 5,772 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $6,813,000 | 4,943 |
| Total interest expense | $3,981,000 | 4,099 |
| Net interest income | $2,832,000 | 6,005 |
| Provision for loan and lease losses | $58,000 | 8,742 |
| Total noninterest income | $357,000 | 7,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,548 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $258,000 | 4,866 |
| Total noninterest expense | $2,222,000 | 5,870 |
| Salaries and employee benefits | $1,227,000 | 5,063 |
| Premises and equipment expense | $361,000 | 5,234 |
| Additional noninterest expense | $634,000 | 7,224 |
| Pre-tax net operating income | $909,000 | 6,047 |
| Securities gains (losses) | $16,000 | 5,884 |
| Applicable income taxes | $371,000 | 5,076 |
| Income before extraordinary items | $554,000 | 6,899 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $554,000 | 6,984 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $200,000 | 4,982 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $543,760 | 6,604 |
* 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.