Bank Iowa, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $6,941,000 | 3,927 |
| Total interest expense | $2,643,000 | 2,860 |
| Net interest income | $4,298,000 | 4,363 |
| Provision for loan and lease losses | $4,630,000 | 1,214 |
| Total noninterest income | $1,223,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $548,000 | 2,472 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $675,000 | 2,742 |
| Total noninterest expense | $4,368,000 | 3,969 |
| Salaries and employee benefits | $2,024,000 | 4,195 |
| Premises and equipment expense | $856,000 | 2,816 |
| Additional noninterest expense | $1,488,000 | 4,027 |
| Pre-tax net operating income | $-3,477,000 | 6,980 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-176,000 | 6,944 |
| Income before extraordinary items | $-3,301,000 | 7,038 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,301,000 | 7,038 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,301,000 | 7,039 |
| Net charge-offs | $3,426,000 | 1,354 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,301,000 | 7,014 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,294,000 | 3,960 |
| Total interest expense | $2,104,000 | 2,848 |
| Net interest income | $3,190,000 | 4,450 |
| Provision for loan and lease losses | $4,500,000 | 948 |
| Total noninterest income | $831,000 | 3,079 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $428,000 | 2,452 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $403,000 | 3,090 |
| Total noninterest expense | $3,431,000 | 3,859 |
| Salaries and employee benefits | $1,597,000 | 4,089 |
| Premises and equipment expense | $641,000 | 2,877 |
| Additional noninterest expense | $1,193,000 | 3,822 |
| Pre-tax net operating income | $-3,910,000 | 7,293 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-197,000 | 7,195 |
| Income before extraordinary items | $-3,713,000 | 7,338 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,713,000 | 7,338 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,713,000 | 7,338 |
| Net charge-offs | $2,201,000 | 1,420 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,713,000 | 7,326 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,577,000 | 3,955 |
| Total interest expense | $1,505,000 | 2,782 |
| Net interest income | $2,072,000 | 4,536 |
| Provision for loan and lease losses | $2,301,000 | 1,154 |
| Total noninterest income | $505,000 | 3,206 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $292,000 | 2,410 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $213,000 | 3,409 |
| Total noninterest expense | $2,254,000 | 3,901 |
| Salaries and employee benefits | $1,068,000 | 4,107 |
| Premises and equipment expense | $438,000 | 2,833 |
| Additional noninterest expense | $748,000 | 3,965 |
| Pre-tax net operating income | $-1,978,000 | 7,265 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-100,000 | 7,199 |
| Income before extraordinary items | $-1,878,000 | 7,315 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,878,000 | 7,315 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,878,000 | 7,315 |
| Net charge-offs | $1,911,000 | 1,162 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,878,000 | 7,305 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,822,000 | 3,967 |
| Total interest expense | $793,000 | 2,771 |
| Net interest income | $1,029,000 | 4,587 |
| Provision for loan and lease losses | $1,004,000 | 1,165 |
| Total noninterest income | $258,000 | 3,162 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $143,000 | 2,431 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $115,000 | 3,261 |
| Total noninterest expense | $1,161,000 | 3,848 |
| Salaries and employee benefits | $531,000 | 4,181 |
| Premises and equipment expense | $226,000 | 2,810 |
| Additional noninterest expense | $404,000 | 3,775 |
| Pre-tax net operating income | $-878,000 | 7,375 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-44,000 | 7,303 |
| Income before extraordinary items | $-834,000 | 7,421 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-834,000 | 7,421 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-834,000 | 7,422 |
| Net charge-offs | $181,000 | 2,543 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-834,000 | 7,410 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,084,000 | 3,479 |
| Total interest expense | $4,441,000 | 2,510 |
| Net interest income | $4,643,000 | 4,136 |
| Provision for loan and lease losses | $2,627,000 | 2,123 |
| Total noninterest income | $1,321,000 | 2,782 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $733,000 | 2,166 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $588,000 | 2,927 |
| Total noninterest expense | $5,130,000 | 3,608 |
| Salaries and employee benefits | $2,561,000 | 3,621 |
| Premises and equipment expense | $970,000 | 2,649 |
| Additional noninterest expense | $1,599,000 | 3,908 |
| Pre-tax net operating income | $-1,793,000 | 6,563 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-92,000 | 6,556 |
| 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 | $2,081,000 | 1,982 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,701,000 | 6,641 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,188,000 | 3,383 |
| Total interest expense | $3,578,000 | 2,461 |
| Net interest income | $3,610,000 | 4,045 |
| Provision for loan and lease losses | $2,019,000 | 1,889 |
| Total noninterest income | $1,108,000 | 2,638 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $506,000 | 2,331 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $602,000 | 2,519 |
| Total noninterest expense | $4,162,000 | 3,399 |
| Salaries and employee benefits | $2,069,000 | 3,446 |
| Premises and equipment expense | $736,000 | 2,652 |
| Additional noninterest expense | $1,357,000 | 3,542 |
| Pre-tax net operating income | $-1,463,000 | 6,850 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-74,000 | 6,882 |
| Income before extraordinary items | $-1,389,000 | 6,955 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,389,000 | 6,956 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,389,000 | 6,956 |
| Net charge-offs | $1,224,000 | 1,979 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,389,000 | 6,933 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,973,000 | 3,324 |
| Total interest expense | $2,520,000 | 2,434 |
| Net interest income | $2,453,000 | 3,985 |
| Provision for loan and lease losses | $1,648,000 | 1,577 |
| Total noninterest income | $761,000 | 2,604 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $352,000 | 2,232 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $409,000 | 2,527 |
| Total noninterest expense | $2,824,000 | 3,377 |
| Salaries and employee benefits | $1,436,000 | 3,358 |
| Premises and equipment expense | $474,000 | 2,773 |
| Additional noninterest expense | $914,000 | 3,511 |
| Pre-tax net operating income | $-1,258,000 | 7,141 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-27,000 | 6,904 |
| Income before extraordinary items | $-1,231,000 | 7,245 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,231,000 | 7,244 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,231,000 | 7,244 |
| Net charge-offs | $919,000 | 1,708 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-1,231,000 | 7,242 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,526,000 | 3,323 |
| Total interest expense | $1,281,000 | 2,481 |
| Net interest income | $1,245,000 | 3,948 |
| Provision for loan and lease losses | $476,000 | 1,827 |
| Total noninterest income | $335,000 | 2,819 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $128,000 | 2,756 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $207,000 | 2,464 |
| Total noninterest expense | $1,271,000 | 3,605 |
| Salaries and employee benefits | $735,000 | 3,330 |
| Premises and equipment expense | $189,000 | 3,383 |
| Additional noninterest expense | $347,000 | 3,978 |
| Pre-tax net operating income | $-167,000 | 6,825 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-9,000 | 7,186 |
| Income before extraordinary items | $-158,000 | 6,957 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-158,000 | 6,958 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-158,000 | 6,958 |
| Net charge-offs | $359,000 | 1,633 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-158,000 | 6,882 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $10,240,000 | 3,462 |
| Total interest expense | $5,021,000 | 2,957 |
| Net interest income | $5,219,000 | 3,826 |
| Provision for loan and lease losses | $2,001,000 | 1,788 |
| Total noninterest income | $1,323,000 | 2,862 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $588,000 | 2,683 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $735,000 | 2,576 |
| Total noninterest expense | $5,003,000 | 3,566 |
| Salaries and employee benefits | $2,799,000 | 3,446 |
| Premises and equipment expense | $940,000 | 2,775 |
| Additional noninterest expense | $1,264,000 | 4,115 |
| Pre-tax net operating income | $-462,000 | 6,740 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-21,000 | 6,851 |
| Income before extraordinary items | $-441,000 | 6,678 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-441,000 | 6,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,840,000 | 1,364 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-441,000 | 6,810 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $7,599,000 | 3,556 |
| Total interest expense | $3,727,000 | 3,081 |
| Net interest income | $3,872,000 | 3,886 |
| Provision for loan and lease losses | $1,639,000 | 1,347 |
| Total noninterest income | $1,002,000 | 2,909 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $457,000 | 2,634 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $545,000 | 2,674 |
| Total noninterest expense | $3,748,000 | 3,552 |
| Salaries and employee benefits | $2,113,000 | 3,462 |
| Premises and equipment expense | $745,000 | 2,656 |
| Additional noninterest expense | $890,000 | 4,245 |
| Pre-tax net operating income | $-513,000 | 7,276 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-28,000 | 7,382 |
| Income before extraordinary items | $-485,000 | 7,180 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-485,000 | 7,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,094,000 | 1,232 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-485,000 | 7,316 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $5,040,000 | 3,632 |
| Total interest expense | $2,565,000 | 3,111 |
| Net interest income | $2,475,000 | 4,009 |
| Provision for loan and lease losses | $1,583,000 | 917 |
| Total noninterest income | $682,000 | 2,896 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $288,000 | 2,727 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $394,000 | 2,615 |
| Total noninterest expense | $2,526,000 | 3,542 |
| Salaries and employee benefits | $1,426,000 | 3,473 |
| Premises and equipment expense | $483,000 | 2,715 |
| Additional noninterest expense | $617,000 | 4,098 |
| Pre-tax net operating income | $-952,000 | 7,882 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-49,000 | 7,758 |
| Income before extraordinary items | $-903,000 | 7,960 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-903,000 | 7,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,090,000 | 814 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-903,000 | 7,943 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,568,000 | 3,648 |
| Total interest expense | $1,306,000 | 3,238 |
| Net interest income | $1,262,000 | 3,951 |
| Provision for loan and lease losses | $219,000 | 1,736 |
| Total noninterest income | $353,000 | 2,823 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $148,000 | 2,655 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $205,000 | 2,532 |
| Total noninterest expense | $1,346,000 | 3,381 |
| Salaries and employee benefits | $720,000 | 3,475 |
| Premises and equipment expense | $247,000 | 2,685 |
| Additional noninterest expense | $379,000 | 3,453 |
| Pre-tax net operating income | $50,000 | 6,610 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $2,000 | 5,366 |
| Income before extraordinary items | $48,000 | 6,608 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $48,000 | 6,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $113,000 | 1,694 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $48,000 | 6,510 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,311,000 | 3,954 |
| Total interest expense | $4,958,000 | 3,491 |
| Net interest income | $4,353,000 | 4,385 |
| Provision for loan and lease losses | $561,000 | 2,164 |
| Total noninterest income | $1,395,000 | 2,837 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $561,000 | 2,815 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $834,000 | 2,506 |
| Total noninterest expense | $4,638,000 | 3,667 |
| Salaries and employee benefits | $2,671,000 | 3,540 |
| Premises and equipment expense | $937,000 | 2,706 |
| Additional noninterest expense | $1,030,000 | 4,561 |
| Pre-tax net operating income | $549,000 | 5,836 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $25,000 | 5,315 |
| Income before extraordinary items | $524,000 | 5,599 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $524,000 | 5,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,739 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $524,000 | 5,586 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,773,000 | 4,040 |
| Total interest expense | $3,598,000 | 3,567 |
| Net interest income | $3,175,000 | 4,493 |
| Provision for loan and lease losses | $334,000 | 2,157 |
| Total noninterest income | $1,059,000 | 2,803 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $417,000 | 2,817 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $642,000 | 2,459 |
| Total noninterest expense | $3,350,000 | 3,764 |
| Salaries and employee benefits | $1,987,000 | 3,560 |
| Premises and equipment expense | $640,000 | 2,910 |
| Additional noninterest expense | $723,000 | 4,705 |
| Pre-tax net operating income | $550,000 | 5,603 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $26,000 | 5,340 |
| Income before extraordinary items | $524,000 | 5,286 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $524,000 | 5,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,780 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $524,000 | 5,272 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 4,180 |
| Total interest expense | $2,253,000 | 3,727 |
| Net interest income | $2,074,000 | 4,578 |
| Provision for loan and lease losses | $172,000 | 2,420 |
| Total noninterest income | $392,000 | 4,080 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $257,000 | 2,973 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $135,000 | 4,518 |
| Total noninterest expense | $1,883,000 | 4,315 |
| Salaries and employee benefits | $1,320,000 | 3,592 |
| Premises and equipment expense | $423,000 | 2,958 |
| Additional noninterest expense | $140,000 | 7,672 |
| Pre-tax net operating income | $411,000 | 5,456 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $19,000 | 5,371 |
| Income before extraordinary items | $392,000 | 5,119 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $392,000 | 5,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $392,000 | 5,111 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 4,268 |
| Total interest expense | $1,078,000 | 3,808 |
| Net interest income | $1,011,000 | 4,657 |
| Provision for loan and lease losses | $109,000 | 1,904 |
| Total noninterest income | $311,000 | 3,042 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $245,000 | 1,739 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $66,000 | 4,572 |
| Total noninterest expense | $1,041,000 | 4,016 |
| Salaries and employee benefits | $665,000 | 3,597 |
| Premises and equipment expense | $201,000 | 3,103 |
| Additional noninterest expense | $175,000 | 5,662 |
| Pre-tax net operating income | $172,000 | 5,798 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $8,000 | 5,466 |
| Income before extraordinary items | $164,000 | 5,472 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $164,000 | 5,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 2,253 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $164,000 | 5,455 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,777,000 | 4,655 |
| Total interest expense | $3,399,000 | 3,997 |
| Net interest income | $3,378,000 | 5,164 |
| Provision for loan and lease losses | $363,000 | 2,440 |
| Total noninterest income | $1,324,000 | 2,937 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $492,000 | 3,093 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $832,000 | 2,521 |
| Total noninterest expense | $3,275,000 | 4,598 |
| Salaries and employee benefits | $1,918,000 | 4,412 |
| Premises and equipment expense | $645,000 | 3,566 |
| Additional noninterest expense | $712,000 | 5,587 |
| Pre-tax net operating income | $1,064,000 | 5,052 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $50,000 | 5,451 |
| Income before extraordinary items | $1,014,000 | 4,679 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,014,000 | 4,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,898 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,014,000 | 4,675 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,772,000 | 4,814 |
| Total interest expense | $2,349,000 | 4,130 |
| Net interest income | $2,423,000 | 5,351 |
| Provision for loan and lease losses | $220,000 | 2,716 |
| Total noninterest income | $1,011,000 | 2,905 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $356,000 | 3,185 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $655,000 | 2,427 |
| Total noninterest expense | $2,356,000 | 4,720 |
| Salaries and employee benefits | $1,399,000 | 4,485 |
| Premises and equipment expense | $444,000 | 3,815 |
| Additional noninterest expense | $513,000 | 5,695 |
| Pre-tax net operating income | $858,000 | 5,079 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $40,000 | 5,574 |
| Income before extraordinary items | $818,000 | 4,646 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $818,000 | 4,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $818,000 | 4,641 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,946,000 | 5,012 |
| Total interest expense | $1,412,000 | 4,266 |
| Net interest income | $1,534,000 | 5,526 |
| Provision for loan and lease losses | $159,000 | 2,501 |
| Total noninterest income | $676,000 | 2,889 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $199,000 | 3,558 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $477,000 | 2,286 |
| Total noninterest expense | $1,528,000 | 4,815 |
| Salaries and employee benefits | $918,000 | 4,548 |
| Premises and equipment expense | $282,000 | 3,959 |
| Additional noninterest expense | $328,000 | 5,807 |
| Pre-tax net operating income | $523,000 | 5,306 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $24,000 | 5,702 |
| Income before extraordinary items | $499,000 | 4,881 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $499,000 | 4,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,712 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $499,000 | 4,874 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 5,267 |
| Total interest expense | $608,000 | 4,544 |
| Net interest income | $733,000 | 5,659 |
| Provision for loan and lease losses | $80,000 | 2,332 |
| Total noninterest income | $321,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $35,000 | 5,651 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $286,000 | 2,010 |
| Total noninterest expense | $718,000 | 5,051 |
| Salaries and employee benefits | $456,000 | 4,592 |
| Premises and equipment expense | $120,000 | 4,409 |
| Additional noninterest expense | $142,000 | 6,219 |
| Pre-tax net operating income | $256,000 | 5,319 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $11,000 | 5,709 |
| Income before extraordinary items | $245,000 | 4,897 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $245,000 | 4,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $245,000 | 4,879 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,226,000 | 5,662 |
| Total interest expense | $1,488,000 | 5,243 |
| Net interest income | $2,738,000 | 5,794 |
| Provision for loan and lease losses | $298,000 | 2,883 |
| Total noninterest income | $907,000 | 3,774 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $310,000 | 4,100 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $597,000 | 3,061 |
| Total noninterest expense | $2,398,000 | 5,508 |
| Salaries and employee benefits | $1,480,000 | 5,092 |
| Premises and equipment expense | $414,000 | 4,753 |
| Additional noninterest expense | $504,000 | 6,549 |
| Pre-tax net operating income | $949,000 | 5,494 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $46,000 | 5,917 |
| Income before extraordinary items | $905,000 | 5,070 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $905,000 | 5,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,162 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $903,100 | 5,041 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 5,760 |
| Total interest expense | $1,009,000 | 5,408 |
| Net interest income | $2,026,000 | 5,850 |
| Provision for loan and lease losses | $228,000 | 2,692 |
| Total noninterest income | $675,000 | 3,804 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $270,000 | 3,799 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $405,000 | 3,255 |
| Total noninterest expense | $1,770,000 | 5,534 |
| Salaries and employee benefits | $1,125,000 | 5,023 |
| Premises and equipment expense | $296,000 | 4,886 |
| Additional noninterest expense | $349,000 | 6,739 |
| Pre-tax net operating income | $703,000 | 5,628 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $31,000 | 6,062 |
| Income before extraordinary items | $670,000 | 5,191 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $670,000 | 5,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,611 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $671,920 | 5,148 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,923,000 | 5,856 |
| Total interest expense | $602,000 | 5,553 |
| Net interest income | $1,321,000 | 5,901 |
| Provision for loan and lease losses | $164,000 | 2,494 |
| Total noninterest income | $411,000 | 3,987 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $164,000 | 3,942 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $247,000 | 3,392 |
| Total noninterest expense | $1,203,000 | 5,467 |
| Salaries and employee benefits | $771,000 | 4,936 |
| Premises and equipment expense | $193,000 | 4,940 |
| Additional noninterest expense | $239,000 | 6,665 |
| Pre-tax net operating income | $365,000 | 6,194 |
| Securities gains (losses) | $-13,000 | 8,228 |
| Applicable income taxes | $3,000 | 6,722 |
| Income before extraordinary items | $349,000 | 5,794 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $349,000 | 5,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 2,872 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $361,870 | 5,663 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $899,000 | 6,053 |
| Total interest expense | $272,000 | 5,747 |
| Net interest income | $627,000 | 6,092 |
| Provision for loan and lease losses | $69,000 | 2,690 |
| Total noninterest income | $172,000 | 4,357 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $75,000 | 4,075 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $97,000 | 3,786 |
| Total noninterest expense | $594,000 | 5,543 |
| Salaries and employee benefits | $394,000 | 4,896 |
| Premises and equipment expense | $101,000 | 4,827 |
| Additional noninterest expense | $99,000 | 7,165 |
| Pre-tax net operating income | $136,000 | 6,741 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $6,000 | 6,318 |
| Income before extraordinary items | $132,000 | 6,360 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $132,000 | 6,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $130,080 | 6,353 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,346,000 | 6,100 |
| Total interest expense | $1,082,000 | 5,432 |
| Net interest income | $2,264,000 | 6,290 |
| Provision for loan and lease losses | $48,000 | 5,981 |
| Total noninterest income | $721,000 | 4,314 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $291,000 | 4,385 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $430,000 | 3,585 |
| Total noninterest expense | $2,094,000 | 5,864 |
| Salaries and employee benefits | $1,264,000 | 5,531 |
| Premises and equipment expense | $405,000 | 4,717 |
| Additional noninterest expense | $425,000 | 6,988 |
| Pre-tax net operating income | $843,000 | 5,668 |
| Securities gains (losses) | $29,000 | 2,137 |
| Applicable income taxes | $42,000 | 6,135 |
| Income before extraordinary items | $830,000 | 5,175 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $830,000 | 5,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,149 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $802,450 | 5,189 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,493,000 | 6,118 |
| Total interest expense | $814,000 | 5,403 |
| Net interest income | $1,679,000 | 6,330 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $506,000 | 4,518 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $202,000 | 4,605 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $304,000 | 3,703 |
| Total noninterest expense | $1,498,000 | 5,968 |
| Salaries and employee benefits | $915,000 | 5,616 |
| Premises and equipment expense | $291,000 | 4,851 |
| Additional noninterest expense | $292,000 | 7,155 |
| Pre-tax net operating income | $687,000 | 5,565 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $34,000 | 6,208 |
| Income before extraordinary items | $653,000 | 5,144 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $653,000 | 5,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,696 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $653,000 | 5,056 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,626,000 | 6,206 |
| Total interest expense | $544,000 | 5,408 |
| Net interest income | $1,082,000 | 6,449 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $329,000 | 4,575 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $141,000 | 4,478 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $188,000 | 3,858 |
| Total noninterest expense | $991,000 | 6,025 |
| Salaries and employee benefits | $612,000 | 5,629 |
| Premises and equipment expense | $189,000 | 4,954 |
| Additional noninterest expense | $190,000 | 7,241 |
| Pre-tax net operating income | $420,000 | 5,752 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $16,000 | 6,416 |
| Income before extraordinary items | $404,000 | 5,297 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $404,000 | 5,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $404,000 | 5,215 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $793,000 | 6,298 |
| Total interest expense | $268,000 | 5,516 |
| Net interest income | $525,000 | 6,550 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $160,000 | 4,617 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $67,000 | 4,509 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $93,000 | 3,862 |
| Total noninterest expense | $501,000 | 6,043 |
| Salaries and employee benefits | $315,000 | 5,582 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $91,000 | 7,355 |
| Pre-tax net operating income | $184,000 | 6,011 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $8,000 | 6,367 |
| Income before extraordinary items | $176,000 | 5,644 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $176,000 | 5,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $176,000 | 5,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,067,000 | 6,437 |
| Total interest expense | $1,021,000 | 6,060 |
| Net interest income | $2,046,000 | 6,530 |
| Provision for loan and lease losses | $80,000 | 5,625 |
| Total noninterest income | $745,000 | 4,391 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $213,000 | 5,125 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $532,000 | 3,475 |
| Total noninterest expense | $1,787,000 | 6,369 |
| Salaries and employee benefits | $1,068,000 | 6,035 |
| Premises and equipment expense | $370,000 | 4,997 |
| Additional noninterest expense | $349,000 | 7,455 |
| Pre-tax net operating income | $924,000 | 5,366 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $46,000 | 6,343 |
| Income before extraordinary items | $878,000 | 5,001 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $878,000 | 5,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,027 |
| Cash dividends | $355,000 | 4,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $878,000 | 4,839 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,278,000 | 6,556 |
| Total interest expense | $755,000 | 6,248 |
| Net interest income | $1,523,000 | 6,592 |
| Provision for loan and lease losses | $80,000 | 5,120 |
| Total noninterest income | $584,000 | 4,332 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $168,000 | 5,037 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $416,000 | 3,458 |
| Total noninterest expense | $1,330,000 | 6,366 |
| Salaries and employee benefits | $792,000 | 6,031 |
| Premises and equipment expense | $264,000 | 5,147 |
| Additional noninterest expense | $274,000 | 7,361 |
| Pre-tax net operating income | $697,000 | 5,516 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $35,000 | 6,476 |
| Income before extraordinary items | $662,000 | 5,139 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $662,000 | 5,139 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $355,000 | 3,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $662,000 | 4,954 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,479,000 | 6,713 |
| Total interest expense | $499,000 | 6,396 |
| Net interest income | $980,000 | 6,696 |
| Provision for loan and lease losses | $57,000 | 4,981 |
| Total noninterest income | $348,000 | 4,604 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $103,000 | 5,211 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $245,000 | 3,660 |
| Total noninterest expense | $870,000 | 6,440 |
| Salaries and employee benefits | $533,000 | 6,022 |
| Premises and equipment expense | $162,000 | 5,400 |
| Additional noninterest expense | $175,000 | 7,460 |
| Pre-tax net operating income | $401,000 | 5,854 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $20,000 | 6,596 |
| Income before extraordinary items | $381,000 | 5,540 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $381,000 | 5,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $355,000 | 2,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $381,000 | 5,324 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $709,000 | 6,873 |
| Total interest expense | $248,000 | 6,516 |
| Net interest income | $461,000 | 6,888 |
| Provision for loan and lease losses | $37,000 | 4,214 |
| Total noninterest income | $158,000 | 4,761 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $44,000 | 5,485 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $114,000 | 3,692 |
| Total noninterest expense | $437,000 | 6,445 |
| Salaries and employee benefits | $279,000 | 5,862 |
| Premises and equipment expense | $77,000 | 5,564 |
| Additional noninterest expense | $81,000 | 7,638 |
| Pre-tax net operating income | $145,000 | 6,529 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $138,000 | 6,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $138,000 | 6,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $90,000 | 3,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $138,000 | 6,036 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,824,000 | 7,028 |
| Total interest expense | $958,000 | 7,046 |
| Net interest income | $1,866,000 | 6,839 |
| Provision for loan and lease losses | $114,000 | 5,508 |
| Total noninterest income | $311,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $165,000 | 5,650 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $146,000 | 5,658 |
| Total noninterest expense | $1,415,000 | 7,030 |
| Salaries and employee benefits | $908,000 | 6,491 |
| Premises and equipment expense | $212,000 | 6,633 |
| Additional noninterest expense | $295,000 | 7,843 |
| Pre-tax net operating income | $648,000 | 6,259 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $32,000 | 6,809 |
| Income before extraordinary items | $616,000 | 5,896 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $616,000 | 5,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,985 |
| Cash dividends | $165,000 | 5,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $616,000 | 5,764 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,571,000 | 7,671 |
| Total interest expense | $1,222,000 | 7,578 |
| Net interest income | $1,349,000 | 7,600 |
| Provision for loan and lease losses | $35,000 | 7,117 |
| Total noninterest income | $163,000 | 7,706 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $105,000 | 6,491 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $58,000 | 7,449 |
| Total noninterest expense | $869,000 | 8,282 |
| Salaries and employee benefits | $561,000 | 7,847 |
| Premises and equipment expense | $135,000 | 7,770 |
| Additional noninterest expense | $173,000 | 8,882 |
| Pre-tax net operating income | $608,000 | 6,145 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-48,000 | 9,157 |
| Income before extraordinary items | $656,000 | 5,382 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $656,000 | 5,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $390,000 | 3,946 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $656,000 | 5,261 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 7,926 |
| Total interest expense | $1,283,000 | 7,614 |
| Net interest income | $1,196,000 | 8,076 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $130,000 | 8,172 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 6,543 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 8,576 |
| Total noninterest expense | $783,000 | 8,613 |
| Salaries and employee benefits | $491,000 | 8,294 |
| Premises and equipment expense | $113,000 | 8,218 |
| Additional noninterest expense | $179,000 | 8,984 |
| Pre-tax net operating income | $507,000 | 6,958 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $33,000 | 7,548 |
| Income before extraordinary items | $474,000 | 6,461 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $474,000 | 6,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,623 |
| Cash dividends | $345,000 | 4,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $474,000 | 6,474 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,157,000 | 8,319 |
| Total interest expense | $1,074,000 | 7,980 |
| Net interest income | $1,083,000 | 8,443 |
| Provision for loan and lease losses | $37,000 | 6,969 |
| Total noninterest income | $123,000 | 8,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 6,944 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $34,000 | 8,669 |
| Total noninterest expense | $755,000 | 8,863 |
| Salaries and employee benefits | $473,000 | 8,490 |
| Premises and equipment expense | $116,000 | 8,318 |
| Additional noninterest expense | $166,000 | 9,376 |
| Pre-tax net operating income | $414,000 | 7,525 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $175,000 | 5,972 |
| Income before extraordinary items | $239,000 | 8,010 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $239,000 | 8,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $85,000 | 6,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $239,000 | 7,984 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,819,000 | 8,901 |
| Total interest expense | $954,000 | 8,550 |
| Net interest income | $865,000 | 9,098 |
| Provision for loan and lease losses | $5,000 | 8,460 |
| Total noninterest income | $122,000 | 8,661 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $90,000 | 7,058 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $32,000 | 8,918 |
| Total noninterest expense | $683,000 | 9,154 |
| Salaries and employee benefits | $398,000 | 8,984 |
| Premises and equipment expense | $122,000 | 8,215 |
| Additional noninterest expense | $163,000 | 9,533 |
| Pre-tax net operating income | $299,000 | 8,408 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $111,000 | 7,364 |
| Income before extraordinary items | $188,000 | 8,701 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $188,000 | 8,700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,285 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $188,000 | 8,631 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,434,000 | 9,764 |
| Total interest expense | $733,000 | 9,456 |
| Net interest income | $701,000 | 9,940 |
| Provision for loan and lease losses | $28,000 | 7,514 |
| Total noninterest income | $123,000 | 9,012 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $101,000 | 7,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,735 |
| Total noninterest expense | $588,000 | 9,797 |
| Salaries and employee benefits | $354,000 | 9,565 |
| Premises and equipment expense | $92,000 | 9,159 |
| Additional noninterest expense | $142,000 | 10,096 |
| Pre-tax net operating income | $208,000 | 9,532 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $72,000 | 8,875 |
| Income before extraordinary items | $136,000 | 9,714 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $136,000 | 9,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $136,000 | 9,667 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $947,000 | 10,887 |
| Total interest expense | $444,000 | 10,759 |
| Net interest income | $503,000 | 10,892 |
| Provision for loan and lease losses | $29,000 | 7,529 |
| Total noninterest income | $81,000 | 10,262 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 8,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 10,642 |
| Total noninterest expense | $520,000 | 10,502 |
| Salaries and employee benefits | $322,000 | 10,155 |
| Premises and equipment expense | $71,000 | 10,045 |
| Additional noninterest expense | $127,000 | 10,831 |
| Pre-tax net operating income | $35,000 | 10,661 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $16,000 | 10,270 |
| Income before extraordinary items | $19,000 | 10,741 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $19,000 | 10,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $19,000 | 10,690 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $538,000 | 11,761 |
| Total interest expense | $240,000 | 11,698 |
| Net interest income | $298,000 | 11,765 |
| Provision for loan and lease losses | $29,000 | 7,212 |
| Total noninterest income | $52,000 | 11,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $41,000 | 9,495 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 11,437 |
| Total noninterest expense | $433,000 | 11,321 |
| Salaries and employee benefits | $244,000 | 11,208 |
| Premises and equipment expense | $51,000 | 11,056 |
| Additional noninterest expense | $138,000 | 11,204 |
| Pre-tax net operating income | $-112,000 | 11,601 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $-42,000 | 11,620 |
| Income before extraordinary items | $-70,000 | 11,584 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-70,000 | 11,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $-70,000 | 11,561 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $63,000 | 12,594 |
| Total interest expense | $10,000 | 12,571 |
| Net interest income | $53,000 | 12,589 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $7,000 | 12,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $3,000 | 10,814 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $4,000 | 12,414 |
| Total noninterest expense | $183,000 | 12,529 |
| Salaries and employee benefits | $75,000 | 12,555 |
| Premises and equipment expense | $31,000 | 12,206 |
| Additional noninterest expense | $77,000 | 12,450 |
| Pre-tax net operating income | $-133,000 | 12,218 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $-45,000 | 12,201 |
| Income before extraordinary items | $-88,000 | 12,144 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-88,000 | 12,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $2,200,000 | 285 |
| Net operating income | $-88,000 | 12,158 |
* 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.