Home > Anchor Bank Heritage > Income and Expense
Anchor Bank Heritage, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,786,000 | 2,860 |
| Total interest expense | $2,578,000 | 3,224 |
| Net interest income | $6,208,000 | 2,648 |
| Provision for loan and lease losses | $842,000 | 3,039 |
| Total noninterest income | $996,000 | 2,821 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $689,000 | 1,819 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $307,000 | 3,584 |
| Total noninterest expense | $6,378,000 | 2,321 |
| Salaries and employee benefits | $2,417,000 | 3,019 |
| Premises and equipment expense | $737,000 | 2,647 |
| Additional noninterest expense | $3,224,000 | 1,680 |
| Pre-tax net operating income | $-16,000 | 5,711 |
| Securities gains (losses) | $335,000 | 929 |
| Applicable income taxes | $-64,000 | 6,858 |
| Income before extraordinary items | $383,000 | 4,115 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $383,000 | 4,112 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $383,000 | 4,115 |
| Net charge-offs | $1,510,000 | 1,763 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,223 |
| Net operating income | $48,000 | 5,510 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,928,000 | 2,870 |
| Total interest expense | $1,717,000 | 3,341 |
| Net interest income | $4,211,000 | 2,574 |
| Provision for loan and lease losses | $542,000 | 2,864 |
| Total noninterest income | $496,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $463,000 | 1,787 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $33,000 | 6,307 |
| Total noninterest expense | $4,379,000 | 2,295 |
| Salaries and employee benefits | $1,687,000 | 2,944 |
| Premises and equipment expense | $505,000 | 2,615 |
| Additional noninterest expense | $2,187,000 | 1,665 |
| Pre-tax net operating income | $-214,000 | 6,304 |
| Securities gains (losses) | $345,000 | 679 |
| Applicable income taxes | $-79,000 | 7,087 |
| Income before extraordinary items | $210,000 | 4,483 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $210,000 | 4,480 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $210,000 | 4,480 |
| Net charge-offs | $1,147,000 | 1,540 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,182 |
| Net operating income | $-135,000 | 6,228 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,965,000 | 2,891 |
| Total interest expense | $861,000 | 3,427 |
| Net interest income | $2,104,000 | 2,572 |
| Provision for loan and lease losses | $300,000 | 2,285 |
| Total noninterest income | $338,000 | 2,800 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $230,000 | 1,758 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $108,000 | 3,540 |
| Total noninterest expense | $2,062,000 | 2,355 |
| Salaries and employee benefits | $851,000 | 2,948 |
| Premises and equipment expense | $255,000 | 2,637 |
| Additional noninterest expense | $956,000 | 1,699 |
| Pre-tax net operating income | $80,000 | 5,254 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-34,000 | 7,352 |
| Income before extraordinary items | $114,000 | 4,762 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $114,000 | 4,766 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $114,000 | 4,765 |
| Net charge-offs | $833,000 | 1,060 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,052 |
| Net operating income | $114,000 | 4,598 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,845,000 | 2,670 |
| Total interest expense | $4,647,000 | 3,163 |
| Net interest income | $9,198,000 | 2,378 |
| Provision for loan and lease losses | $2,855,000 | 1,444 |
| Total noninterest income | $2,328,000 | 1,914 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,102,000 | 1,616 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,226,000 | 1,851 |
| Total noninterest expense | $8,562,000 | 2,234 |
| Salaries and employee benefits | $3,614,000 | 2,744 |
| Premises and equipment expense | $892,000 | 2,894 |
| Additional noninterest expense | $4,056,000 | 1,527 |
| Pre-tax net operating income | $109,000 | 5,989 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-237,000 | 7,253 |
| Income before extraordinary items | $346,000 | 4,935 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $346,000 | 4,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,153,000 | 1,235 |
| Cash dividends | $1,450,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,369 |
| Net operating income | $346,000 | 5,100 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,716,000 | 2,639 |
| Total interest expense | $3,602,000 | 3,175 |
| Net interest income | $7,114,000 | 2,328 |
| Provision for loan and lease losses | $1,412,000 | 1,484 |
| Total noninterest income | $1,951,000 | 1,805 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $833,000 | 1,612 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,118,000 | 1,677 |
| Total noninterest expense | $6,540,000 | 2,187 |
| Salaries and employee benefits | $2,928,000 | 2,595 |
| Premises and equipment expense | $687,000 | 2,852 |
| Additional noninterest expense | $2,925,000 | 1,527 |
| Pre-tax net operating income | $1,113,000 | 3,474 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $238,000 | 2,729 |
| Income before extraordinary items | $875,000 | 3,387 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $875,000 | 3,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,152,000 | 1,183 |
| Cash dividends | $1,200,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,225 |
| Net operating income | $875,000 | 3,518 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 2,628 |
| Total interest expense | $2,442,000 | 3,244 |
| Net interest income | $4,813,000 | 2,293 |
| Provision for loan and lease losses | $546,000 | 1,820 |
| Total noninterest income | $1,177,000 | 1,976 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $552,000 | 1,602 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $625,000 | 1,948 |
| Total noninterest expense | $4,360,000 | 2,197 |
| Salaries and employee benefits | $1,995,000 | 2,573 |
| Premises and equipment expense | $455,000 | 2,878 |
| Additional noninterest expense | $1,910,000 | 1,540 |
| Pre-tax net operating income | $1,084,000 | 2,784 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $295,000 | 2,234 |
| Income before extraordinary items | $789,000 | 3,085 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $789,000 | 3,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $825,000 | 966 |
| Cash dividends | $800,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,122 |
| Net operating income | $789,000 | 3,027 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,700,000 | 2,656 |
| Total interest expense | $1,310,000 | 3,228 |
| Net interest income | $2,390,000 | 2,299 |
| Provision for loan and lease losses | $220,000 | 1,731 |
| Total noninterest income | $637,000 | 1,868 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $272,000 | 1,599 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $365,000 | 1,729 |
| Total noninterest expense | $2,295,000 | 2,089 |
| Salaries and employee benefits | $1,032,000 | 2,515 |
| Premises and equipment expense | $232,000 | 2,828 |
| Additional noninterest expense | $1,031,000 | 1,393 |
| Pre-tax net operating income | $512,000 | 3,032 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $133,000 | 2,470 |
| Income before extraordinary items | $379,000 | 3,303 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $379,000 | 3,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $634,000 | 611 |
| Cash dividends | $400,000 | 1,571 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $379,000 | 3,212 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,333,000 | 2,497 |
| Total interest expense | $6,224,000 | 2,926 |
| Net interest income | $10,109,000 | 2,225 |
| Provision for loan and lease losses | $1,033,000 | 1,388 |
| Total noninterest income | $1,838,000 | 2,348 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,118,000 | 1,598 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $720,000 | 2,714 |
| Total noninterest expense | $8,853,000 | 2,084 |
| Salaries and employee benefits | $4,418,000 | 2,282 |
| Premises and equipment expense | $912,000 | 2,773 |
| Additional noninterest expense | $3,523,000 | 1,573 |
| Pre-tax net operating income | $2,061,000 | 3,259 |
| Securities gains (losses) | $-2,000 | 7,197 |
| Applicable income taxes | $574,000 | 2,570 |
| Income before extraordinary items | $1,485,000 | 3,471 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,485,000 | 3,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $811,000 | 1,194 |
| Cash dividends | $1,800,000 | 1,745 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,298 |
| Net operating income | $1,486,440 | 3,457 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,351,000 | 2,484 |
| Total interest expense | $4,720,000 | 2,889 |
| Net interest income | $7,631,000 | 2,224 |
| Provision for loan and lease losses | $194,000 | 3,065 |
| Total noninterest income | $1,558,000 | 2,158 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $856,000 | 1,539 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $702,000 | 2,314 |
| Total noninterest expense | $6,675,000 | 2,043 |
| Salaries and employee benefits | $3,347,000 | 2,253 |
| Premises and equipment expense | $692,000 | 2,734 |
| Additional noninterest expense | $2,636,000 | 1,535 |
| Pre-tax net operating income | $2,320,000 | 2,556 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $744,000 | 1,997 |
| Income before extraordinary items | $1,576,000 | 2,866 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,576,000 | 2,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $534,000 | 1,026 |
| Cash dividends | $1,800,000 | 1,319 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,138 |
| Net operating income | $1,576,000 | 2,852 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,209,000 | 2,507 |
| Total interest expense | $3,122,000 | 2,906 |
| Net interest income | $5,087,000 | 2,258 |
| Provision for loan and lease losses | $129,000 | 2,874 |
| Total noninterest income | $1,084,000 | 2,109 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $575,000 | 1,525 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $509,000 | 2,216 |
| Total noninterest expense | $4,424,000 | 2,078 |
| Salaries and employee benefits | $2,200,000 | 2,314 |
| Premises and equipment expense | $474,000 | 2,699 |
| Additional noninterest expense | $1,750,000 | 1,546 |
| Pre-tax net operating income | $1,618,000 | 2,552 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $524,000 | 1,993 |
| Income before extraordinary items | $1,094,000 | 2,840 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,094,000 | 2,839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $386,000 | 860 |
| Cash dividends | $1,400,000 | 1,178 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,094,000 | 2,820 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,123,000 | 2,497 |
| Total interest expense | $1,510,000 | 2,974 |
| Net interest income | $2,613,000 | 2,201 |
| Provision for loan and lease losses | $65,000 | 2,671 |
| Total noninterest income | $505,000 | 2,202 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $269,000 | 1,601 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $236,000 | 2,304 |
| Total noninterest expense | $2,116,000 | 2,187 |
| Salaries and employee benefits | $1,047,000 | 2,456 |
| Premises and equipment expense | $234,000 | 2,740 |
| Additional noninterest expense | $835,000 | 1,600 |
| Pre-tax net operating income | $937,000 | 2,277 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $313,000 | 1,809 |
| Income before extraordinary items | $624,000 | 2,552 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $624,000 | 2,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $400,000 | 1,655 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $624,000 | 2,528 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $16,290,000 | 2,384 |
| Total interest expense | $5,581,000 | 2,760 |
| Net interest income | $10,709,000 | 2,160 |
| Provision for loan and lease losses | $350,000 | 2,520 |
| Total noninterest income | $2,896,000 | 1,690 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,240,000 | 1,450 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,656,000 | 1,547 |
| Total noninterest expense | $8,434,000 | 2,088 |
| Salaries and employee benefits | $3,821,000 | 2,539 |
| Premises and equipment expense | $942,000 | 2,611 |
| Additional noninterest expense | $3,671,000 | 1,446 |
| Pre-tax net operating income | $4,821,000 | 1,953 |
| Securities gains (losses) | $-61,000 | 8,017 |
| Applicable income taxes | $1,668,000 | 1,520 |
| Income before extraordinary items | $3,092,000 | 2,223 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,092,000 | 2,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $264,000 | 1,837 |
| Cash dividends | $2,200,000 | 1,408 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,233 |
| Net operating income | $3,131,650 | 2,194 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,036,000 | 2,403 |
| Total interest expense | $4,032,000 | 2,764 |
| Net interest income | $8,004,000 | 2,179 |
| Provision for loan and lease losses | $275,000 | 2,295 |
| Total noninterest income | $2,221,000 | 1,659 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $926,000 | 1,457 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,295,000 | 1,504 |
| Total noninterest expense | $6,257,000 | 2,124 |
| Salaries and employee benefits | $2,855,000 | 2,549 |
| Premises and equipment expense | $724,000 | 2,560 |
| Additional noninterest expense | $2,678,000 | 1,476 |
| Pre-tax net operating income | $3,693,000 | 1,972 |
| Securities gains (losses) | $-61,000 | 8,252 |
| Applicable income taxes | $1,275,000 | 1,575 |
| Income before extraordinary items | $2,357,000 | 2,256 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,357,000 | 2,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 2,787 |
| Cash dividends | $1,600,000 | 1,361 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,026 |
| Net operating income | $2,396,650 | 2,212 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,890,000 | 2,404 |
| Total interest expense | $2,599,000 | 2,729 |
| Net interest income | $5,291,000 | 2,205 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $1,659,000 | 1,500 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $620,000 | 1,438 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,039,000 | 1,313 |
| Total noninterest expense | $4,207,000 | 2,092 |
| Salaries and employee benefits | $1,926,000 | 2,522 |
| Premises and equipment expense | $483,000 | 2,560 |
| Additional noninterest expense | $1,798,000 | 1,474 |
| Pre-tax net operating income | $2,543,000 | 1,925 |
| Securities gains (losses) | $-61,000 | 8,417 |
| Applicable income taxes | $863,000 | 1,567 |
| Income before extraordinary items | $1,619,000 | 2,198 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,619,000 | 2,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 869 |
| Net operating income | $1,658,650 | 2,146 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,840,000 | 2,410 |
| Total interest expense | $1,271,000 | 2,685 |
| Net interest income | $2,569,000 | 2,265 |
| Provision for loan and lease losses | $105,000 | 1,911 |
| Total noninterest income | $621,000 | 1,876 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $301,000 | 1,424 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $320,000 | 1,843 |
| Total noninterest expense | $2,052,000 | 2,160 |
| Salaries and employee benefits | $982,000 | 2,484 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $829,000 | 1,573 |
| Pre-tax net operating income | $1,033,000 | 2,227 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $345,000 | 1,827 |
| Income before extraordinary items | $688,000 | 2,477 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $688,000 | 2,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $400,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $688,000 | 2,457 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,570,000 | 2,275 |
| Total interest expense | $4,262,000 | 2,521 |
| Net interest income | $10,308,000 | 2,152 |
| Provision for loan and lease losses | $640,000 | 1,553 |
| Total noninterest income | $2,319,000 | 1,989 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,131,000 | 1,536 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,188,000 | 1,982 |
| Total noninterest expense | $8,093,000 | 2,067 |
| Salaries and employee benefits | $3,853,000 | 2,373 |
| Premises and equipment expense | $942,000 | 2,495 |
| Additional noninterest expense | $3,298,000 | 1,547 |
| Pre-tax net operating income | $3,894,000 | 2,267 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $1,364,000 | 1,818 |
| Income before extraordinary items | $2,526,000 | 2,579 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,526,000 | 2,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,287 |
| Cash dividends | $1,000,000 | 2,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,528,600 | 2,558 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,693,000 | 2,269 |
| Total interest expense | $3,067,000 | 2,493 |
| Net interest income | $7,626,000 | 2,156 |
| Provision for loan and lease losses | $520,000 | 1,361 |
| Total noninterest income | $1,697,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $828,000 | 1,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $869,000 | 2,003 |
| Total noninterest expense | $5,900,000 | 2,097 |
| Salaries and employee benefits | $2,792,000 | 2,412 |
| Premises and equipment expense | $694,000 | 2,528 |
| Additional noninterest expense | $2,414,000 | 1,553 |
| Pre-tax net operating income | $2,903,000 | 2,301 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $1,026,000 | 1,836 |
| Income before extraordinary items | $1,873,000 | 2,612 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,873,000 | 2,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,611 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,875,600 | 2,576 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,828,000 | 2,316 |
| Total interest expense | $1,887,000 | 2,531 |
| Net interest income | $4,941,000 | 2,191 |
| Provision for loan and lease losses | $360,000 | 1,295 |
| Total noninterest income | $1,087,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $522,000 | 1,612 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $565,000 | 2,017 |
| Total noninterest expense | $3,857,000 | 2,120 |
| Salaries and employee benefits | $1,846,000 | 2,412 |
| Premises and equipment expense | $465,000 | 2,491 |
| Additional noninterest expense | $1,546,000 | 1,595 |
| Pre-tax net operating income | $1,811,000 | 2,365 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $630,000 | 1,929 |
| Income before extraordinary items | $1,181,000 | 2,680 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,181,000 | 2,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 2,636 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,181,000 | 2,643 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,275,000 | 2,357 |
| Total interest expense | $858,000 | 2,636 |
| Net interest income | $2,417,000 | 2,224 |
| Provision for loan and lease losses | $180,000 | 1,214 |
| Total noninterest income | $473,000 | 2,221 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $250,000 | 1,629 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $223,000 | 2,319 |
| Total noninterest expense | $1,881,000 | 2,192 |
| Salaries and employee benefits | $916,000 | 2,457 |
| Premises and equipment expense | $224,000 | 2,597 |
| Additional noninterest expense | $741,000 | 1,657 |
| Pre-tax net operating income | $829,000 | 2,501 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $282,000 | 2,070 |
| Income before extraordinary items | $547,000 | 2,821 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $547,000 | 2,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $547,000 | 2,769 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,985,000 | 2,395 |
| Total interest expense | $3,304,000 | 2,413 |
| Net interest income | $8,681,000 | 2,356 |
| Provision for loan and lease losses | $720,000 | 1,420 |
| Total noninterest income | $2,254,000 | 2,023 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,170,000 | 1,509 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,084,000 | 2,045 |
| Total noninterest expense | $7,418,000 | 2,147 |
| Salaries and employee benefits | $3,446,000 | 2,530 |
| Premises and equipment expense | $880,000 | 2,571 |
| Additional noninterest expense | $3,092,000 | 1,579 |
| Pre-tax net operating income | $2,797,000 | 2,733 |
| Securities gains (losses) | $106,000 | 1,198 |
| Applicable income taxes | $959,000 | 2,234 |
| Income before extraordinary items | $1,944,000 | 2,982 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,944,000 | 2,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $334,000 | 1,836 |
| Cash dividends | $250,000 | 4,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,872,980 | 3,025 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,849,000 | 2,401 |
| Total interest expense | $2,533,000 | 2,330 |
| Net interest income | $6,316,000 | 2,396 |
| Provision for loan and lease losses | $540,000 | 1,362 |
| Total noninterest income | $1,694,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $879,000 | 1,519 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $815,000 | 2,051 |
| Total noninterest expense | $5,655,000 | 2,113 |
| Salaries and employee benefits | $2,621,000 | 2,467 |
| Premises and equipment expense | $679,000 | 2,493 |
| Additional noninterest expense | $2,355,000 | 1,548 |
| Pre-tax net operating income | $1,815,000 | 3,123 |
| Securities gains (losses) | $106,000 | 1,134 |
| Applicable income taxes | $612,000 | 2,537 |
| Income before extraordinary items | $1,309,000 | 3,335 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,309,000 | 3,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,444 |
| Cash dividends | $250,000 | 3,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,236,920 | 3,382 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,848,000 | 2,402 |
| Total interest expense | $1,775,000 | 2,209 |
| Net interest income | $4,073,000 | 2,450 |
| Provision for loan and lease losses | $360,000 | 1,336 |
| Total noninterest income | $1,272,000 | 1,827 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $593,000 | 1,482 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $679,000 | 1,758 |
| Total noninterest expense | $3,745,000 | 2,135 |
| Salaries and employee benefits | $1,716,000 | 2,502 |
| Premises and equipment expense | $455,000 | 2,476 |
| Additional noninterest expense | $1,574,000 | 1,537 |
| Pre-tax net operating income | $1,240,000 | 3,035 |
| Securities gains (losses) | $94,000 | 1,069 |
| Applicable income taxes | $427,000 | 2,447 |
| Income before extraordinary items | $907,000 | 3,196 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $907,000 | 3,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $299,000 | 1,043 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $843,080 | 3,287 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,982,000 | 2,374 |
| Total interest expense | $923,000 | 2,160 |
| Net interest income | $2,059,000 | 2,424 |
| Provision for loan and lease losses | $180,000 | 1,248 |
| Total noninterest income | $647,000 | 1,769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $279,000 | 1,543 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $368,000 | 1,628 |
| Total noninterest expense | $1,962,000 | 2,048 |
| Salaries and employee benefits | $865,000 | 2,508 |
| Premises and equipment expense | $257,000 | 2,240 |
| Additional noninterest expense | $840,000 | 1,438 |
| Pre-tax net operating income | $564,000 | 3,239 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $168,000 | 2,876 |
| Income before extraordinary items | $396,000 | 3,542 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $396,000 | 3,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,188 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $396,000 | 3,430 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,899,000 | 2,401 |
| Total interest expense | $4,357,000 | 2,041 |
| Net interest income | $7,542,000 | 2,559 |
| Provision for loan and lease losses | $735,000 | 1,566 |
| Total noninterest income | $2,521,000 | 1,936 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,112,000 | 1,553 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,409,000 | 1,904 |
| Total noninterest expense | $6,709,000 | 2,338 |
| Salaries and employee benefits | $3,261,000 | 2,565 |
| Premises and equipment expense | $613,000 | 3,453 |
| Additional noninterest expense | $2,835,000 | 1,709 |
| Pre-tax net operating income | $2,619,000 | 2,786 |
| Securities gains (losses) | $304,000 | 1,038 |
| Applicable income taxes | $1,005,000 | 2,170 |
| Income before extraordinary items | $1,918,000 | 2,956 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,918,000 | 2,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $568,000 | 1,452 |
| Cash dividends | $500,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,717,360 | 3,078 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,936,000 | 2,435 |
| Total interest expense | $3,391,000 | 2,052 |
| Net interest income | $5,545,000 | 2,627 |
| Provision for loan and lease losses | $485,000 | 1,707 |
| Total noninterest income | $2,005,000 | 1,894 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $841,000 | 1,541 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,164,000 | 1,847 |
| Total noninterest expense | $4,988,000 | 2,365 |
| Salaries and employee benefits | $2,521,000 | 2,500 |
| Premises and equipment expense | $429,000 | 3,657 |
| Additional noninterest expense | $2,038,000 | 1,775 |
| Pre-tax net operating income | $2,077,000 | 2,770 |
| Securities gains (losses) | $302,000 | 951 |
| Applicable income taxes | $856,000 | 2,103 |
| Income before extraordinary items | $1,523,000 | 2,930 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,523,000 | 2,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $566,000 | 1,065 |
| Cash dividends | $500,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,329,720 | 3,086 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,951,000 | 2,463 |
| Total interest expense | $2,311,000 | 2,080 |
| Net interest income | $3,640,000 | 2,676 |
| Provision for loan and lease losses | $300,000 | 1,769 |
| Total noninterest income | $1,262,000 | 1,976 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $559,000 | 1,525 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $703,000 | 1,958 |
| Total noninterest expense | $3,300,000 | 2,379 |
| Salaries and employee benefits | $1,690,000 | 2,482 |
| Premises and equipment expense | $288,000 | 3,622 |
| Additional noninterest expense | $1,322,000 | 1,822 |
| Pre-tax net operating income | $1,302,000 | 2,907 |
| Securities gains (losses) | $105,000 | 1,472 |
| Applicable income taxes | $502,000 | 2,305 |
| Income before extraordinary items | $905,000 | 3,198 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $905,000 | 3,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 1,083 |
| Cash dividends | $500,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $837,800 | 3,207 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,959,000 | 2,482 |
| Total interest expense | $1,172,000 | 2,095 |
| Net interest income | $1,787,000 | 2,708 |
| Provision for loan and lease losses | $150,000 | 1,666 |
| Total noninterest income | $528,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $268,000 | 1,537 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $260,000 | 2,315 |
| Total noninterest expense | $1,638,000 | 2,373 |
| Salaries and employee benefits | $874,000 | 2,410 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $618,000 | 1,899 |
| Pre-tax net operating income | $527,000 | 3,369 |
| Securities gains (losses) | $23,000 | 1,827 |
| Applicable income taxes | $190,000 | 2,786 |
| Income before extraordinary items | $360,000 | 3,735 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $360,000 | 3,733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,770 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $345,050 | 3,660 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,823,000 | 2,591 |
| Total interest expense | $4,013,000 | 2,740 |
| Net interest income | $7,810,000 | 2,462 |
| Provision for loan and lease losses | $435,000 | 2,656 |
| Total noninterest income | $3,286,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,095,000 | 1,474 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,191,000 | 1,234 |
| Total noninterest expense | $5,947,000 | 2,483 |
| Salaries and employee benefits | $3,061,000 | 2,579 |
| Premises and equipment expense | $536,000 | 3,741 |
| Additional noninterest expense | $2,350,000 | 1,974 |
| Pre-tax net operating income | $4,714,000 | 1,729 |
| Securities gains (losses) | $119,000 | 1,588 |
| Applicable income taxes | $1,817,000 | 1,400 |
| Income before extraordinary items | $3,016,000 | 1,993 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,016,000 | 1,992 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,701 |
| Cash dividends | $750,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,939,840 | 1,966 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $12,186,000 | 2,777 |
| Total interest expense | $5,072,000 | 3,115 |
| Net interest income | $7,114,000 | 2,510 |
| Provision for loan and lease losses | $360,000 | 2,816 |
| Total noninterest income | $2,309,000 | 1,797 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $738,000 | 2,045 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,571,000 | 1,472 |
| Total noninterest expense | $5,385,000 | 2,626 |
| Salaries and employee benefits | $2,704,000 | 2,757 |
| Premises and equipment expense | $597,000 | 3,370 |
| Additional noninterest expense | $2,084,000 | 2,154 |
| Pre-tax net operating income | $3,678,000 | 1,904 |
| Securities gains (losses) | $32,000 | 2,761 |
| Applicable income taxes | $1,364,000 | 1,637 |
| Income before extraordinary items | $2,346,000 | 2,209 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,346,000 | 2,213 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $168,000 | 3,179 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,325,520 | 2,155 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,795,000 | 2,936 |
| Total interest expense | $5,271,000 | 3,161 |
| Net interest income | $6,524,000 | 2,726 |
| Provision for loan and lease losses | $305,000 | 2,790 |
| Total noninterest income | $1,707,000 | 2,115 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $662,000 | 2,089 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,045,000 | 1,802 |
| Total noninterest expense | $4,521,000 | 2,984 |
| Salaries and employee benefits | $2,387,000 | 2,957 |
| Premises and equipment expense | $491,000 | 3,841 |
| Additional noninterest expense | $1,643,000 | 2,590 |
| Pre-tax net operating income | $3,405,000 | 2,129 |
| Securities gains (losses) | $32,000 | 827 |
| Applicable income taxes | $1,220,000 | 1,797 |
| Income before extraordinary items | $2,217,000 | 2,321 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,217,000 | 2,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,807 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,196,200 | 2,344 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,519,000 | 3,373 |
| Total interest expense | $4,389,000 | 3,316 |
| Net interest income | $5,130,000 | 3,378 |
| Provision for loan and lease losses | $235,000 | 3,227 |
| Total noninterest income | $1,375,000 | 2,438 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $568,000 | 2,355 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $807,000 | 2,149 |
| Total noninterest expense | $3,857,000 | 3,422 |
| Salaries and employee benefits | $1,972,000 | 3,480 |
| Premises and equipment expense | $418,000 | 4,372 |
| Additional noninterest expense | $1,467,000 | 2,917 |
| Pre-tax net operating income | $2,413,000 | 2,872 |
| Securities gains (losses) | $17,000 | 1,477 |
| Applicable income taxes | $815,000 | 2,604 |
| Income before extraordinary items | $1,615,000 | 3,066 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,615,000 | 3,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,344 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,603,780 | 3,042 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,430,000 | 3,746 |
| Total interest expense | $4,166,000 | 3,547 |
| Net interest income | $4,264,000 | 3,916 |
| Provision for loan and lease losses | $245,000 | 3,032 |
| Total noninterest income | $1,204,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $480,000 | 2,646 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $724,000 | 2,331 |
| Total noninterest expense | $3,516,000 | 3,597 |
| Salaries and employee benefits | $1,785,000 | 3,696 |
| Premises and equipment expense | $402,000 | 4,402 |
| Additional noninterest expense | $1,329,000 | 3,073 |
| Pre-tax net operating income | $1,707,000 | 3,791 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $600,000 | 3,408 |
| Income before extraordinary items | $1,107,000 | 4,162 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,107,000 | 4,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,392 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,107,000 | 4,072 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,578,000 | 4,184 |
| Total interest expense | $4,125,000 | 3,562 |
| Net interest income | $3,453,000 | 4,782 |
| Provision for loan and lease losses | $215,000 | 3,285 |
| Total noninterest income | $920,000 | 3,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $388,000 | 3,307 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $532,000 | 2,700 |
| Total noninterest expense | $3,248,000 | 3,846 |
| Salaries and employee benefits | $1,544,000 | 4,156 |
| Premises and equipment expense | $422,000 | 4,262 |
| Additional noninterest expense | $1,282,000 | 3,148 |
| Pre-tax net operating income | $910,000 | 6,117 |
| Securities gains (losses) | $24,000 | 1,768 |
| Applicable income taxes | $270,000 | 6,027 |
| Income before extraordinary items | $664,000 | 6,050 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $664,000 | 6,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,707 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $646,960 | 6,085 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,007,000 | 5,180 |
| Total interest expense | $3,093,000 | 4,655 |
| Net interest income | $2,914,000 | 5,561 |
| Provision for loan and lease losses | $199,000 | 3,449 |
| Total noninterest income | $949,000 | 3,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $379,000 | 3,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $570,000 | 2,660 |
| Total noninterest expense | $2,337,000 | 5,276 |
| Salaries and employee benefits | $1,047,000 | 5,802 |
| Premises and equipment expense | $318,000 | 5,352 |
| Additional noninterest expense | $972,000 | 4,509 |
| Pre-tax net operating income | $1,327,000 | 4,767 |
| Securities gains (losses) | $43,000 | 1,439 |
| Applicable income taxes | $429,000 | 4,671 |
| Income before extraordinary items | $941,000 | 4,726 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $941,000 | 4,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,503 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $911,330 | 4,770 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,002,000 | 5,983 |
| Total interest expense | $2,372,000 | 5,777 |
| Net interest income | $2,630,000 | 6,085 |
| Provision for loan and lease losses | $94,000 | 4,768 |
| Total noninterest income | $483,000 | 5,310 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 4,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $172,000 | 5,579 |
| Total noninterest expense | $2,175,000 | 5,613 |
| Salaries and employee benefits | $930,000 | 6,401 |
| Premises and equipment expense | $303,000 | 5,581 |
| Additional noninterest expense | $942,000 | 4,581 |
| Pre-tax net operating income | $844,000 | 6,667 |
| Securities gains (losses) | $78,000 | 1,068 |
| Applicable income taxes | $269,000 | 6,377 |
| Income before extraordinary items | $653,000 | 6,286 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $653,000 | 6,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,333 |
| Cash dividends | $550,000 | 3,104 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $597,620 | 6,616 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,860,000 | 6,875 |
| Total interest expense | $1,417,000 | 7,152 |
| Net interest income | $2,443,000 | 6,581 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $457,000 | 5,630 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $300,000 | 4,359 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 6,078 |
| Total noninterest expense | $2,048,000 | 6,082 |
| Salaries and employee benefits | $900,000 | 6,630 |
| Premises and equipment expense | $277,000 | 6,051 |
| Additional noninterest expense | $871,000 | 5,323 |
| Pre-tax net operating income | $802,000 | 6,854 |
| Securities gains (losses) | $12,000 | 2,095 |
| Applicable income taxes | $238,000 | 6,717 |
| Income before extraordinary items | $576,000 | 6,718 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $576,000 | 6,732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 4,750 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $567,480 | 6,838 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,472,000 | 7,571 |
| Total interest expense | $1,293,000 | 7,909 |
| Net interest income | $2,179,000 | 7,235 |
| Provision for loan and lease losses | $172,000 | 4,316 |
| Total noninterest income | $524,000 | 5,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $322,000 | 4,177 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 5,647 |
| Total noninterest expense | $2,098,000 | 6,090 |
| Salaries and employee benefits | $848,000 | 7,027 |
| Premises and equipment expense | $279,000 | 6,196 |
| Additional noninterest expense | $971,000 | 5,043 |
| Pre-tax net operating income | $433,000 | 9,156 |
| Securities gains (losses) | $126,000 | 2,189 |
| Applicable income taxes | $173,000 | 8,146 |
| Income before extraordinary items | $386,000 | 8,571 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $386,000 | 8,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 4,689 |
| Cash dividends | $200,000 | 5,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $299,060 | 9,226 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,069,000 | 8,857 |
| Total interest expense | $1,186,000 | 9,651 |
| Net interest income | $1,883,000 | 8,096 |
| Provision for loan and lease losses | $190,000 | 5,357 |
| Total noninterest income | $427,000 | 6,298 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $303,000 | 4,400 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 7,335 |
| Total noninterest expense | $1,784,000 | 6,995 |
| Salaries and employee benefits | $723,000 | 7,816 |
| Premises and equipment expense | $294,000 | 6,065 |
| Additional noninterest expense | $767,000 | 6,299 |
| Pre-tax net operating income | $336,000 | 9,809 |
| Securities gains (losses) | $47,000 | 4,236 |
| Applicable income taxes | $152,000 | 8,570 |
| Income before extraordinary items | $231,000 | 10,166 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $231,000 | 10,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 6,412 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $200,920 | 10,252 |
* 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.