Home > Bank of Dwight > Income and Expense
Bank of Dwight, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,295,000 | 6,471 |
| Total interest expense | $431,000 | 5,807 |
| Net interest income | $864,000 | 6,621 |
| Provision for loan and lease losses | $770,000 | 2,248 |
| Total noninterest income | $71,000 | 6,510 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $48,000 | 5,647 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $23,000 | 6,361 |
| Total noninterest expense | $811,000 | 6,485 |
| Salaries and employee benefits | $246,000 | 7,275 |
| Premises and equipment expense | $42,000 | 7,335 |
| Additional noninterest expense | $523,000 | 4,963 |
| Pre-tax net operating income | $-646,000 | 6,841 |
| Securities gains (losses) | $26,000 | 2,244 |
| Applicable income taxes | $-498,000 | 7,484 |
| Income before extraordinary items | $-122,000 | 6,453 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-122,000 | 6,455 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-122,000 | 6,453 |
| Net charge-offs | $369,000 | 2,804 |
| Cash dividends | $25,000 | 3,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-138,640 | 6,417 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $649,000 | 6,540 |
| Total interest expense | $218,000 | 5,905 |
| Net interest income | $431,000 | 6,684 |
| Provision for loan and lease losses | $127,000 | 3,648 |
| Total noninterest income | $32,000 | 6,672 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $24,000 | 5,677 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $8,000 | 6,771 |
| Total noninterest expense | $507,000 | 6,141 |
| Salaries and employee benefits | $123,000 | 7,361 |
| Premises and equipment expense | $21,000 | 7,415 |
| Additional noninterest expense | $363,000 | 4,049 |
| Pre-tax net operating income | $-171,000 | 6,791 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-171,000 | 6,887 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-171,000 | 6,888 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-171,000 | 6,887 |
| Net charge-offs | $326,000 | 1,951 |
| Cash dividends | $25,000 | 2,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-171,000 | 6,848 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,565,000 | 6,639 |
| Total interest expense | $1,037,000 | 5,955 |
| Net interest income | $1,528,000 | 6,873 |
| Provision for loan and lease losses | $364,000 | 5,004 |
| Total noninterest income | $128,000 | 6,754 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $83,000 | 5,989 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $45,000 | 6,476 |
| Total noninterest expense | $941,000 | 7,453 |
| Salaries and employee benefits | $504,000 | 7,426 |
| Premises and equipment expense | $76,000 | 7,591 |
| Additional noninterest expense | $361,000 | 7,223 |
| Pre-tax net operating income | $351,000 | 4,355 |
| Securities gains (losses) | $-68,000 | 7,231 |
| Applicable income taxes | $39,000 | 3,380 |
| Income before extraordinary items | $244,000 | 4,657 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $244,000 | 4,657 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $244,000 | 4,657 |
| Net charge-offs | $335,000 | 4,347 |
| Cash dividends | $75,000 | 4,282 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $302,480 | 4,391 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,891,000 | 6,741 |
| Total interest expense | $788,000 | 6,057 |
| Net interest income | $1,103,000 | 6,981 |
| Provision for loan and lease losses | $235,000 | 4,932 |
| Total noninterest income | $104,000 | 6,792 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $72,000 | 5,862 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $32,000 | 6,662 |
| Total noninterest expense | $729,000 | 7,462 |
| Salaries and employee benefits | $379,000 | 7,457 |
| Premises and equipment expense | $59,000 | 7,626 |
| Additional noninterest expense | $291,000 | 7,161 |
| Pre-tax net operating income | $243,000 | 4,751 |
| Securities gains (losses) | $-8,000 | 7,209 |
| Applicable income taxes | $43,000 | 3,409 |
| Income before extraordinary items | $192,000 | 4,888 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $192,000 | 4,887 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $192,000 | 4,888 |
| Net charge-offs | $175,000 | 4,406 |
| Cash dividends | $25,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $198,560 | 4,799 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 6,845 |
| Total interest expense | $516,000 | 6,204 |
| Net interest income | $727,000 | 7,036 |
| Provision for loan and lease losses | $128,000 | 4,975 |
| Total noninterest income | $70,000 | 6,832 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $49,000 | 5,826 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $21,000 | 6,756 |
| Total noninterest expense | $500,000 | 7,489 |
| Salaries and employee benefits | $250,000 | 7,559 |
| Premises and equipment expense | $40,000 | 7,696 |
| Additional noninterest expense | $210,000 | 7,105 |
| Pre-tax net operating income | $169,000 | 4,834 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $36,000 | 3,368 |
| Income before extraordinary items | $133,000 | 4,981 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $133,000 | 4,978 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $133,000 | 4,979 |
| Net charge-offs | $146,000 | 3,812 |
| Cash dividends | $25,000 | 3,824 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $133,000 | 4,896 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $617,000 | 6,910 |
| Total interest expense | $251,000 | 6,369 |
| Net interest income | $366,000 | 7,040 |
| Provision for loan and lease losses | $39,000 | 5,233 |
| Total noninterest income | $34,000 | 6,884 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $21,000 | 6,011 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $241,000 | 7,568 |
| Salaries and employee benefits | $120,000 | 7,646 |
| Premises and equipment expense | $22,000 | 7,659 |
| Additional noninterest expense | $99,000 | 7,107 |
| Pre-tax net operating income | $120,000 | 4,816 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $26,000 | 3,394 |
| Income before extraordinary items | $94,000 | 5,033 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $94,000 | 5,038 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $94,000 | 5,037 |
| Net charge-offs | $79,000 | 3,118 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $94,000 | 4,872 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,741,000 | 6,791 |
| Total interest expense | $1,267,000 | 6,326 |
| Net interest income | $1,474,000 | 7,038 |
| Provision for loan and lease losses | $555,000 | 3,651 |
| Total noninterest income | $123,000 | 7,077 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $80,000 | 6,195 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $43,000 | 6,902 |
| Total noninterest expense | $973,000 | 7,578 |
| Salaries and employee benefits | $560,000 | 7,520 |
| Premises and equipment expense | $78,000 | 7,812 |
| Additional noninterest expense | $335,000 | 7,299 |
| Pre-tax net operating income | $69,000 | 6,116 |
| Securities gains (losses) | $30,000 | 1,931 |
| Applicable income taxes | $-22,000 | 6,856 |
| Income before extraordinary items | $121,000 | 5,785 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $121,000 | 5,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 2,860 |
| Cash dividends | $300,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $91,000 | 6,039 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,092,000 | 6,835 |
| Total interest expense | $990,000 | 6,363 |
| Net interest income | $1,102,000 | 7,099 |
| Provision for loan and lease losses | $52,000 | 5,852 |
| Total noninterest income | $89,000 | 7,227 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $59,000 | 6,247 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $30,000 | 7,117 |
| Total noninterest expense | $739,000 | 7,591 |
| Salaries and employee benefits | $432,000 | 7,502 |
| Premises and equipment expense | $60,000 | 7,847 |
| Additional noninterest expense | $247,000 | 7,335 |
| Pre-tax net operating income | $400,000 | 5,265 |
| Securities gains (losses) | $30,000 | 1,749 |
| Applicable income taxes | $120,000 | 3,444 |
| Income before extraordinary items | $310,000 | 5,163 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $310,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,309 |
| Cash dividends | $188,000 | 3,955 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $288,400 | 5,443 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,415,000 | 6,873 |
| Total interest expense | $698,000 | 6,361 |
| Net interest income | $717,000 | 7,161 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $59,000 | 7,304 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $36,000 | 6,359 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $23,000 | 7,064 |
| Total noninterest expense | $491,000 | 7,646 |
| Salaries and employee benefits | $288,000 | 7,573 |
| Premises and equipment expense | $41,000 | 7,863 |
| Additional noninterest expense | $162,000 | 7,398 |
| Pre-tax net operating income | $255,000 | 5,472 |
| Securities gains (losses) | $30,000 | 1,782 |
| Applicable income taxes | $85,000 | 3,616 |
| Income before extraordinary items | $200,000 | 5,602 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $200,000 | 5,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,854 |
| Cash dividends | $125,000 | 3,902 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $179,000 | 5,703 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $713,000 | 6,937 |
| Total interest expense | $374,000 | 6,377 |
| Net interest income | $339,000 | 7,303 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $31,000 | 7,280 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $16,000 | 6,480 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $15,000 | 6,825 |
| Total noninterest expense | $237,000 | 7,728 |
| Salaries and employee benefits | $144,000 | 7,608 |
| Premises and equipment expense | $23,000 | 7,808 |
| Additional noninterest expense | $70,000 | 7,608 |
| Pre-tax net operating income | $118,000 | 5,796 |
| Securities gains (losses) | $23,000 | 1,519 |
| Applicable income taxes | $39,000 | 3,818 |
| Income before extraordinary items | $102,000 | 5,812 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $102,000 | 5,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $63,000 | 3,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $85,440 | 5,951 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,858,000 | 6,945 |
| Total interest expense | $1,588,000 | 6,309 |
| Net interest income | $1,270,000 | 7,413 |
| Provision for loan and lease losses | $38,000 | 5,914 |
| Total noninterest income | $133,000 | 7,266 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $74,000 | 6,383 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $59,000 | 6,922 |
| Total noninterest expense | $923,000 | 7,760 |
| Salaries and employee benefits | $561,000 | 7,640 |
| Premises and equipment expense | $71,000 | 8,049 |
| Additional noninterest expense | $291,000 | 7,576 |
| Pre-tax net operating income | $442,000 | 6,154 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $91,000 | 4,544 |
| Income before extraordinary items | $351,000 | 6,238 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $351,000 | 6,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,287 |
| Cash dividends | $250,000 | 4,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $351,000 | 6,226 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,159,000 | 6,974 |
| Total interest expense | $1,191,000 | 6,342 |
| Net interest income | $968,000 | 7,441 |
| Provision for loan and lease losses | $38,000 | 5,373 |
| Total noninterest income | $87,000 | 7,453 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $54,000 | 6,449 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $33,000 | 7,248 |
| Total noninterest expense | $693,000 | 7,743 |
| Salaries and employee benefits | $412,000 | 7,647 |
| Premises and equipment expense | $56,000 | 8,005 |
| Additional noninterest expense | $225,000 | 7,526 |
| Pre-tax net operating income | $324,000 | 6,473 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $70,000 | 4,720 |
| Income before extraordinary items | $254,000 | 6,551 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $254,000 | 6,548 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,336 |
| Cash dividends | $187,000 | 4,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $254,000 | 6,534 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,438,000 | 7,011 |
| Total interest expense | $790,000 | 6,387 |
| Net interest income | $648,000 | 7,504 |
| Provision for loan and lease losses | $28,000 | 5,075 |
| Total noninterest income | $55,000 | 7,561 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $34,000 | 6,547 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $21,000 | 7,329 |
| Total noninterest expense | $459,000 | 7,800 |
| Salaries and employee benefits | $271,000 | 7,724 |
| Premises and equipment expense | $38,000 | 8,043 |
| Additional noninterest expense | $150,000 | 7,573 |
| Pre-tax net operating income | $216,000 | 6,537 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $48,000 | 4,796 |
| Income before extraordinary items | $168,000 | 6,606 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $168,000 | 6,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,485 |
| Cash dividends | $125,000 | 4,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $168,000 | 6,596 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $720,000 | 7,031 |
| Total interest expense | $387,000 | 6,439 |
| Net interest income | $333,000 | 7,483 |
| Provision for loan and lease losses | $18,000 | 4,475 |
| Total noninterest income | $24,000 | 7,693 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $15,000 | 6,674 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $9,000 | 7,488 |
| Total noninterest expense | $231,000 | 7,825 |
| Salaries and employee benefits | $135,000 | 7,774 |
| Premises and equipment expense | $19,000 | 8,063 |
| Additional noninterest expense | $77,000 | 7,546 |
| Pre-tax net operating income | $108,000 | 6,558 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $19,000 | 4,959 |
| Income before extraordinary items | $89,000 | 6,564 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $89,000 | 6,563 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $63,000 | 3,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $89,000 | 6,552 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,710,000 | 6,993 |
| Total interest expense | $1,356,000 | 6,325 |
| Net interest income | $1,354,000 | 7,372 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $112,000 | 7,624 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $66,000 | 6,640 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $46,000 | 7,334 |
| Total noninterest expense | $850,000 | 7,939 |
| Salaries and employee benefits | $530,000 | 7,788 |
| Premises and equipment expense | $44,000 | 8,409 |
| Additional noninterest expense | $276,000 | 7,713 |
| Pre-tax net operating income | $616,000 | 6,137 |
| Securities gains (losses) | $-1,000 | 6,756 |
| Applicable income taxes | $163,000 | 4,516 |
| Income before extraordinary items | $452,000 | 6,327 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $452,000 | 6,328 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,999 |
| Cash dividends | $200,000 | 4,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $452,730 | 6,326 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,020,000 | 7,044 |
| Total interest expense | $979,000 | 6,360 |
| Net interest income | $1,041,000 | 7,385 |
| Provision for loan and lease losses | $8,000 | 6,450 |
| Total noninterest income | $92,000 | 7,621 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $55,000 | 6,616 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 7,308 |
| Total noninterest expense | $667,000 | 7,890 |
| Salaries and employee benefits | $392,000 | 7,802 |
| Premises and equipment expense | $48,000 | 8,250 |
| Additional noninterest expense | $227,000 | 7,568 |
| Pre-tax net operating income | $458,000 | 6,388 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $136,000 | 4,576 |
| Income before extraordinary items | $322,000 | 6,610 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $322,000 | 6,610 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $150,000 | 4,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $322,000 | 6,613 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,337,000 | 7,062 |
| Total interest expense | $618,000 | 6,382 |
| Net interest income | $719,000 | 7,385 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $48,000 | 7,902 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $32,000 | 6,791 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $16,000 | 7,752 |
| Total noninterest expense | $444,000 | 7,915 |
| Salaries and employee benefits | $262,000 | 7,839 |
| Premises and equipment expense | $33,000 | 8,242 |
| Additional noninterest expense | $149,000 | 7,621 |
| Pre-tax net operating income | $323,000 | 6,313 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $91,000 | 4,629 |
| Income before extraordinary items | $232,000 | 6,501 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $232,000 | 6,502 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $100,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $232,000 | 6,498 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $653,000 | 7,105 |
| Total interest expense | $292,000 | 6,433 |
| Net interest income | $361,000 | 7,388 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $24,000 | 7,882 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $16,000 | 6,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,731 |
| Total noninterest expense | $223,000 | 7,926 |
| Salaries and employee benefits | $130,000 | 7,874 |
| Premises and equipment expense | $19,000 | 8,122 |
| Additional noninterest expense | $74,000 | 7,635 |
| Pre-tax net operating income | $162,000 | 6,259 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $51,000 | 4,470 |
| Income before extraordinary items | $111,000 | 6,555 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $111,000 | 6,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,838 |
| Cash dividends | $50,000 | 3,539 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $111,000 | 6,552 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,454,000 | 7,056 |
| Total interest expense | $975,000 | 6,340 |
| Net interest income | $1,479,000 | 7,319 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $113,000 | 7,814 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $65,000 | 6,834 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $48,000 | 7,428 |
| Total noninterest expense | $895,000 | 7,923 |
| Salaries and employee benefits | $496,000 | 7,916 |
| Premises and equipment expense | $85,000 | 8,029 |
| Additional noninterest expense | $314,000 | 7,566 |
| Pre-tax net operating income | $697,000 | 6,155 |
| Securities gains (losses) | $-10,000 | 7,535 |
| Applicable income taxes | $226,000 | 4,500 |
| Income before extraordinary items | $461,000 | 6,532 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $461,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $200,000 | 4,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $467,700 | 6,481 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,805,000 | 7,106 |
| Total interest expense | $703,000 | 6,350 |
| Net interest income | $1,102,000 | 7,375 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $75,000 | 7,974 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $43,000 | 7,015 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $32,000 | 7,572 |
| Total noninterest expense | $674,000 | 7,902 |
| Salaries and employee benefits | $360,000 | 7,941 |
| Premises and equipment expense | $63,000 | 8,051 |
| Additional noninterest expense | $251,000 | 7,433 |
| Pre-tax net operating income | $503,000 | 6,389 |
| Securities gains (losses) | $10,000 | 1,474 |
| Applicable income taxes | $144,000 | 4,853 |
| Income before extraordinary items | $369,000 | 6,546 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $369,000 | 6,547 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $150,000 | 4,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $361,800 | 6,549 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,179,000 | 7,117 |
| Total interest expense | $441,000 | 6,362 |
| Net interest income | $738,000 | 7,375 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $47,000 | 8,031 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $26,000 | 7,089 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $21,000 | 7,597 |
| Total noninterest expense | $447,000 | 7,915 |
| Salaries and employee benefits | $233,000 | 7,996 |
| Premises and equipment expense | $43,000 | 8,016 |
| Additional noninterest expense | $171,000 | 7,396 |
| Pre-tax net operating income | $338,000 | 6,351 |
| Securities gains (losses) | $10,000 | 1,355 |
| Applicable income taxes | $95,000 | 4,877 |
| Income before extraordinary items | $253,000 | 6,484 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $253,000 | 6,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,895 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $245,700 | 6,500 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $591,000 | 7,141 |
| Total interest expense | $210,000 | 6,413 |
| Net interest income | $381,000 | 7,364 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $22,000 | 8,118 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $12,000 | 7,169 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,741 |
| Total noninterest expense | $223,000 | 7,993 |
| Salaries and employee benefits | $118,000 | 8,040 |
| Premises and equipment expense | $22,000 | 8,069 |
| Additional noninterest expense | $83,000 | 7,500 |
| Pre-tax net operating income | $180,000 | 6,187 |
| Securities gains (losses) | $1,000 | 1,514 |
| Applicable income taxes | $54,000 | 4,665 |
| Income before extraordinary items | $127,000 | 6,454 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $127,000 | 6,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $50,000 | 3,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $126,300 | 6,424 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,341,000 | 7,045 |
| Total interest expense | $768,000 | 6,360 |
| Net interest income | $1,573,000 | 7,219 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $101,000 | 8,076 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $55,000 | 7,212 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $46,000 | 7,502 |
| Total noninterest expense | $894,000 | 7,993 |
| Salaries and employee benefits | $486,000 | 8,020 |
| Premises and equipment expense | $81,000 | 8,197 |
| Additional noninterest expense | $327,000 | 7,549 |
| Pre-tax net operating income | $780,000 | 5,852 |
| Securities gains (losses) | $-31,000 | 8,491 |
| Applicable income taxes | $268,000 | 4,361 |
| Income before extraordinary items | $481,000 | 6,428 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $481,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,887 |
| Cash dividends | $200,000 | 4,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $500,840 | 6,287 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,769,000 | 7,055 |
| Total interest expense | $573,000 | 6,359 |
| Net interest income | $1,196,000 | 7,195 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $78,000 | 8,094 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $41,000 | 7,255 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $37,000 | 7,447 |
| Total noninterest expense | $659,000 | 8,019 |
| Salaries and employee benefits | $360,000 | 8,026 |
| Premises and equipment expense | $50,000 | 8,402 |
| Additional noninterest expense | $249,000 | 7,503 |
| Pre-tax net operating income | $615,000 | 5,837 |
| Securities gains (losses) | $-31,000 | 8,737 |
| Applicable income taxes | $191,000 | 4,508 |
| Income before extraordinary items | $393,000 | 6,374 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $393,000 | 6,374 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,602 |
| Cash dividends | $150,000 | 4,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $413,770 | 6,170 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 7,062 |
| Total interest expense | $386,000 | 6,372 |
| Net interest income | $803,000 | 7,218 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $52,000 | 8,146 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $29,000 | 7,223 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $23,000 | 7,596 |
| Total noninterest expense | $438,000 | 8,075 |
| Salaries and employee benefits | $242,000 | 8,061 |
| Premises and equipment expense | $40,000 | 8,252 |
| Additional noninterest expense | $156,000 | 7,650 |
| Pre-tax net operating income | $417,000 | 5,765 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $133,000 | 4,442 |
| Income before extraordinary items | $287,000 | 6,126 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $287,000 | 6,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,732 |
| Cash dividends | $100,000 | 4,170 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $284,960 | 6,079 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $605,000 | 7,049 |
| Total interest expense | $192,000 | 6,442 |
| Net interest income | $413,000 | 7,187 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $31,000 | 7,933 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $14,000 | 7,243 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $17,000 | 7,062 |
| Total noninterest expense | $221,000 | 8,092 |
| Salaries and employee benefits | $121,000 | 8,103 |
| Premises and equipment expense | $21,000 | 8,211 |
| Additional noninterest expense | $79,000 | 7,660 |
| Pre-tax net operating income | $223,000 | 5,579 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $73,000 | 4,279 |
| Income before extraordinary items | $153,000 | 5,971 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $153,000 | 5,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,807 |
| Cash dividends | $50,000 | 3,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $150,960 | 5,890 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,130,000 | 7,425 |
| Total interest expense | $811,000 | 6,676 |
| Net interest income | $1,319,000 | 7,631 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $110,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $64,000 | 7,203 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $46,000 | 7,657 |
| Total noninterest expense | $837,000 | 8,198 |
| Salaries and employee benefits | $467,000 | 8,197 |
| Premises and equipment expense | $82,000 | 8,309 |
| Additional noninterest expense | $288,000 | 7,844 |
| Pre-tax net operating income | $592,000 | 6,370 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $181,000 | 5,061 |
| Income before extraordinary items | $411,000 | 6,761 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $411,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-102,000 | 9,039 |
| Cash dividends | $250,000 | 4,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $411,000 | 6,600 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,571,000 | 7,538 |
| Total interest expense | $616,000 | 6,783 |
| Net interest income | $955,000 | 7,759 |
| Provision for loan and lease losses | $35,000 | 6,280 |
| Total noninterest income | $74,000 | 8,378 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $35,000 | 7,554 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $39,000 | 7,544 |
| Total noninterest expense | $620,000 | 8,229 |
| Salaries and employee benefits | $340,000 | 8,244 |
| Premises and equipment expense | $57,000 | 8,438 |
| Additional noninterest expense | $223,000 | 7,792 |
| Pre-tax net operating income | $374,000 | 6,820 |
| Securities gains (losses) | $2,000 | 3,872 |
| Applicable income taxes | $88,000 | 5,709 |
| Income before extraordinary items | $288,000 | 7,015 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $288,000 | 7,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-97,000 | 9,081 |
| Cash dividends | $138,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $286,460 | 6,858 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,058,000 | 7,568 |
| Total interest expense | $421,000 | 6,844 |
| Net interest income | $637,000 | 7,775 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $52,000 | 8,325 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $25,000 | 7,506 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $27,000 | 7,458 |
| Total noninterest expense | $410,000 | 8,249 |
| Salaries and employee benefits | $224,000 | 8,296 |
| Premises and equipment expense | $38,000 | 8,441 |
| Additional noninterest expense | $148,000 | 7,806 |
| Pre-tax net operating income | $249,000 | 6,846 |
| Securities gains (losses) | $2,000 | 3,460 |
| Applicable income taxes | $61,000 | 5,708 |
| Income before extraordinary items | $190,000 | 7,060 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $190,000 | 7,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 9,054 |
| Cash dividends | $75,000 | 4,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $188,480 | 6,885 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $533,000 | 7,592 |
| Total interest expense | $215,000 | 6,875 |
| Net interest income | $318,000 | 7,807 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $24,000 | 8,411 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,452 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $11,000 | 7,783 |
| Total noninterest expense | $209,000 | 8,262 |
| Salaries and employee benefits | $115,000 | 8,280 |
| Premises and equipment expense | $20,000 | 8,398 |
| Additional noninterest expense | $74,000 | 7,829 |
| Pre-tax net operating income | $118,000 | 6,932 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $24,000 | 5,925 |
| Income before extraordinary items | $94,000 | 7,010 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $94,000 | 7,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,799 |
| Cash dividends | $37,000 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $94,000 | 6,852 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,415,000 | 7,431 |
| Total interest expense | $1,078,000 | 6,730 |
| Net interest income | $1,337,000 | 7,704 |
| Provision for loan and lease losses | $160,000 | 4,794 |
| Total noninterest income | $73,000 | 8,717 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $62,000 | 7,312 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $831,000 | 8,281 |
| Salaries and employee benefits | $423,000 | 8,429 |
| Premises and equipment expense | $90,000 | 8,316 |
| Additional noninterest expense | $318,000 | 7,679 |
| Pre-tax net operating income | $419,000 | 7,080 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $-70,000 | 9,029 |
| Income before extraordinary items | $493,000 | 6,436 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $493,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 5,090 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $489,000 | 6,297 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,458,000 | 7,795 |
| Total interest expense | $1,355,000 | 7,287 |
| Net interest income | $1,103,000 | 8,078 |
| Provision for loan and lease losses | $700,000 | 1,661 |
| Total noninterest income | $79,000 | 8,792 |
| Gross Fiduciary activities income | $1,000 | 1,678 |
| Service charges on deposit accounts | $58,000 | 7,433 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $20,000 | 8,732 |
| Total noninterest expense | $844,000 | 8,344 |
| Salaries and employee benefits | $391,000 | 8,665 |
| Premises and equipment expense | $99,000 | 8,324 |
| Additional noninterest expense | $354,000 | 7,483 |
| Pre-tax net operating income | $-362,000 | 9,083 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-205,000 | 9,378 |
| Income before extraordinary items | $-157,000 | 9,004 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-157,000 | 9,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $728,000 | 1,182 |
| Cash dividends | $13,000 | 6,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-157,000 | 8,945 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,480,000 | 7,923 |
| Total interest expense | $1,322,000 | 7,534 |
| Net interest income | $1,158,000 | 8,163 |
| Provision for loan and lease losses | $563,000 | 1,707 |
| Total noninterest income | $89,000 | 8,755 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $64,000 | 7,312 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 8,756 |
| Total noninterest expense | $759,000 | 8,675 |
| Salaries and employee benefits | $372,000 | 8,893 |
| Premises and equipment expense | $89,000 | 8,632 |
| Additional noninterest expense | $298,000 | 7,958 |
| Pre-tax net operating income | $-75,000 | 9,224 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $-172,000 | 9,672 |
| Income before extraordinary items | $96,000 | 8,735 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $96,000 | 8,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $441,000 | 1,356 |
| Cash dividends | $150,000 | 5,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $96,640 | 8,721 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,407,000 | 8,015 |
| Total interest expense | $1,247,000 | 7,522 |
| Net interest income | $1,160,000 | 8,278 |
| Provision for loan and lease losses | $128,000 | 4,622 |
| Total noninterest income | $73,000 | 9,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $45,000 | 7,961 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 8,915 |
| Total noninterest expense | $728,000 | 8,951 |
| Salaries and employee benefits | $365,000 | 9,093 |
| Premises and equipment expense | $87,000 | 8,879 |
| Additional noninterest expense | $276,000 | 8,334 |
| Pre-tax net operating income | $377,000 | 7,702 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $77,000 | 7,230 |
| Income before extraordinary items | $300,000 | 7,600 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $300,000 | 7,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,618 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $300,000 | 7,575 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,466,000 | 8,127 |
| Total interest expense | $1,312,000 | 7,637 |
| Net interest income | $1,154,000 | 8,439 |
| Provision for loan and lease losses | $71,000 | 5,847 |
| Total noninterest income | $60,000 | 9,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 8,408 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 9,238 |
| Total noninterest expense | $717,000 | 9,056 |
| Salaries and employee benefits | $326,000 | 9,456 |
| Premises and equipment expense | $101,000 | 8,682 |
| Additional noninterest expense | $290,000 | 8,223 |
| Pre-tax net operating income | $426,000 | 7,733 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $107,000 | 7,422 |
| Income before extraordinary items | $320,000 | 7,718 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $320,000 | 7,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,916 |
| Cash dividends | $300,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $319,250 | 7,640 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,981,000 | 9,030 |
| Total interest expense | $1,072,000 | 8,488 |
| Net interest income | $909,000 | 9,399 |
| Provision for loan and lease losses | $77,000 | 5,729 |
| Total noninterest income | $37,000 | 10,477 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 8,979 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 10,416 |
| Total noninterest expense | $551,000 | 9,928 |
| Salaries and employee benefits | $251,000 | 10,268 |
| Premises and equipment expense | $94,000 | 9,100 |
| Additional noninterest expense | $206,000 | 9,333 |
| Pre-tax net operating income | $318,000 | 8,895 |
| Securities gains (losses) | $-3,000 | 9,416 |
| Applicable income taxes | $81,000 | 8,730 |
| Income before extraordinary items | $234,000 | 8,878 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $234,000 | 8,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 10,357 |
| Cash dividends | $165,000 | 5,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $236,220 | 8,830 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,169,000 | 9,144 |
| Total interest expense | $1,271,000 | 8,185 |
| Net interest income | $898,000 | 9,837 |
| Provision for loan and lease losses | $131,000 | 4,409 |
| Total noninterest income | $69,000 | 10,506 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $28,000 | 9,417 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 9,308 |
| Total noninterest expense | $626,000 | 10,078 |
| Salaries and employee benefits | $339,000 | 10,041 |
| Premises and equipment expense | $117,000 | 8,867 |
| Additional noninterest expense | $170,000 | 10,300 |
| Pre-tax net operating income | $210,000 | 9,728 |
| Securities gains (losses) | $2,000 | 3,501 |
| Applicable income taxes | $-25,000 | 11,009 |
| Income before extraordinary items | $237,000 | 8,943 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $237,000 | 8,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,444 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $235,000 | 8,900 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,868,000 | 9,936 |
| Total interest expense | $1,068,000 | 9,008 |
| Net interest income | $800,000 | 10,535 |
| Provision for loan and lease losses | $9,000 | 8,431 |
| Total noninterest income | $65,000 | 11,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $29,000 | 9,816 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $36,000 | 9,923 |
| Total noninterest expense | $641,000 | 10,405 |
| Salaries and employee benefits | $356,000 | 10,285 |
| Premises and equipment expense | $116,000 | 9,162 |
| Additional noninterest expense | $169,000 | 10,825 |
| Pre-tax net operating income | $215,000 | 10,368 |
| Securities gains (losses) | $5,000 | 2,809 |
| Applicable income taxes | $36,000 | 10,464 |
| Income before extraordinary items | $184,000 | 10,113 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $184,000 | 10,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,680 |
| Cash dividends | $24,000 | 8,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $179,800 | 10,141 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 10,467 |
| Total interest expense | $875,000 | 9,237 |
| Net interest income | $759,000 | 11,181 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $48,000 | 11,979 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $31,000 | 10,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $657,000 | 10,882 |
| Salaries and employee benefits | $360,000 | 10,644 |
| Premises and equipment expense | $114,000 | 9,573 |
| Additional noninterest expense | $183,000 | 11,359 |
| Pre-tax net operating income | $150,000 | 11,270 |
| Securities gains (losses) | $27,000 | 1,545 |
| Applicable income taxes | $26,000 | 11,018 |
| Income before extraordinary items | $151,000 | 10,807 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $151,000 | 10,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,270 |
| Cash dividends | $12,000 | 8,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $128,050 | 11,123 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,684,000 | 10,842 |
| Total interest expense | $867,000 | 9,709 |
| Net interest income | $817,000 | 11,448 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $63,000 | 12,223 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 10,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $13,000 | 12,543 |
| Total noninterest expense | $667,000 | 11,317 |
| Salaries and employee benefits | $354,000 | 11,105 |
| Premises and equipment expense | $121,000 | 9,761 |
| Additional noninterest expense | $192,000 | 11,846 |
| Pre-tax net operating income | $213,000 | 10,930 |
| Securities gains (losses) | $51,000 | 3,368 |
| Applicable income taxes | $47,000 | 11,016 |
| Income before extraordinary items | $217,000 | 10,453 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $217,000 | 10,556 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 6,866 |
| Cash dividends | $12,000 | 8,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $175,180 | 10,724 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,990,000 | 10,907 |
| Total interest expense | $1,074,000 | 10,071 |
| Net interest income | $916,000 | 11,446 |
| Provision for loan and lease losses | $39,000 | 9,563 |
| Total noninterest income | $43,000 | 13,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $33,000 | 10,969 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 13,358 |
| Total noninterest expense | $634,000 | 11,861 |
| Salaries and employee benefits | $327,000 | 11,708 |
| Premises and equipment expense | $121,000 | 9,986 |
| Additional noninterest expense | $186,000 | 12,438 |
| Pre-tax net operating income | $286,000 | 10,272 |
| Securities gains (losses) | $2,000 | 7,695 |
| Applicable income taxes | $56,000 | 11,086 |
| Income before extraordinary items | $232,000 | 10,148 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $232,000 | 10,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 12,178 |
| Cash dividends | $12,000 | 8,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $230,380 | 9,821 |
* 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.