Home > Bank of Fall River, a Co-operative Bank > Income and Expense
Bank of Fall River, a Co-operative Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,714,000 | 3,642 |
| Total interest expense | $2,090,000 | 3,442 |
| Net interest income | $5,624,000 | 3,653 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $598,000 | 4,245 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $460,000 | 2,800 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $138,000 | 5,068 |
| Total noninterest expense | $5,921,000 | 3,147 |
| Salaries and employee benefits | $3,874,000 | 2,482 |
| Premises and equipment expense | $332,000 | 5,200 |
| Additional noninterest expense | $1,715,000 | 3,656 |
| Pre-tax net operating income | $301,000 | 4,894 |
| Securities gains (losses) | $-38,000 | 7,129 |
| Applicable income taxes | $63,000 | 3,515 |
| Income before extraordinary items | $200,000 | 5,281 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $200,000 | 5,284 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $200,000 | 5,284 |
| Net charge-offs | $46,000 | 5,956 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $228,880 | 5,035 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,889,000 | 3,679 |
| Total interest expense | $1,585,000 | 3,552 |
| Net interest income | $4,304,000 | 3,639 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $375,000 | 4,640 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $342,000 | 2,892 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $33,000 | 6,351 |
| Total noninterest expense | $4,014,000 | 3,402 |
| Salaries and employee benefits | $2,480,000 | 2,862 |
| Premises and equipment expense | $252,000 | 5,221 |
| Additional noninterest expense | $1,282,000 | 3,637 |
| Pre-tax net operating income | $665,000 | 3,808 |
| Securities gains (losses) | $-55,000 | 7,339 |
| Applicable income taxes | $211,000 | 2,501 |
| Income before extraordinary items | $399,000 | 4,471 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $399,000 | 4,473 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $399,000 | 4,474 |
| Net charge-offs | $67,000 | 5,286 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $434,750 | 4,181 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,979,000 | 3,664 |
| Total interest expense | $1,058,000 | 3,656 |
| Net interest income | $2,921,000 | 3,587 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $248,000 | 4,641 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $227,000 | 2,903 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $21,000 | 6,429 |
| Total noninterest expense | $2,677,000 | 3,412 |
| Salaries and employee benefits | $1,632,000 | 2,921 |
| Premises and equipment expense | $175,000 | 5,174 |
| Additional noninterest expense | $870,000 | 3,572 |
| Pre-tax net operating income | $492,000 | 3,658 |
| Securities gains (losses) | $-13,000 | 7,330 |
| Applicable income taxes | $177,000 | 2,252 |
| Income before extraordinary items | $302,000 | 4,292 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $302,000 | 4,291 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $302,000 | 4,291 |
| Net charge-offs | $49,000 | 4,905 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $310,320 | 4,109 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,000,000 | 3,711 |
| Total interest expense | $531,000 | 3,770 |
| Net interest income | $1,469,000 | 3,611 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $112,000 | 4,851 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $108,000 | 3,000 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $4,000 | 7,081 |
| Total noninterest expense | $1,344,000 | 3,447 |
| Salaries and employee benefits | $798,000 | 3,028 |
| Premises and equipment expense | $95,000 | 5,078 |
| Additional noninterest expense | $451,000 | 3,462 |
| Pre-tax net operating income | $237,000 | 3,772 |
| Securities gains (losses) | $-31,000 | 7,592 |
| Applicable income taxes | $75,000 | 2,410 |
| Income before extraordinary items | $131,000 | 4,609 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $131,000 | 4,610 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $131,000 | 4,608 |
| Net charge-offs | $-12,000 | 7,531 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $150,840 | 4,264 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,916,000 | 3,843 |
| Total interest expense | $2,450,000 | 3,953 |
| Net interest income | $5,466,000 | 3,718 |
| Provision for loan and lease losses | $-19,000 | 7,969 |
| Total noninterest income | $579,000 | 4,442 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $485,000 | 2,962 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $94,000 | 5,717 |
| Total noninterest expense | $5,471,000 | 3,423 |
| Salaries and employee benefits | $3,350,000 | 2,904 |
| Premises and equipment expense | $364,000 | 5,226 |
| Additional noninterest expense | $1,757,000 | 3,665 |
| Pre-tax net operating income | $593,000 | 3,786 |
| Securities gains (losses) | $-58,000 | 7,203 |
| Applicable income taxes | $116,000 | 2,783 |
| Income before extraordinary items | $419,000 | 4,110 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $419,000 | 4,108 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $419,000 | 4,108 |
| Net charge-offs | $381,000 | 4,169 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $464,240 | 3,892 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,880,000 | 3,928 |
| Total interest expense | $1,841,000 | 4,073 |
| Net interest income | $4,039,000 | 3,766 |
| Provision for loan and lease losses | $-15,000 | 8,049 |
| Total noninterest income | $442,000 | 4,471 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $362,000 | 2,987 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $80,000 | 5,686 |
| Total noninterest expense | $4,180,000 | 3,386 |
| Salaries and employee benefits | $2,547,000 | 2,898 |
| Premises and equipment expense | $281,000 | 5,194 |
| Additional noninterest expense | $1,352,000 | 3,551 |
| Pre-tax net operating income | $316,000 | 4,480 |
| Securities gains (losses) | $-30,000 | 7,319 |
| Applicable income taxes | $61,000 | 3,207 |
| Income before extraordinary items | $225,000 | 4,736 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $225,000 | 4,734 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $225,000 | 4,736 |
| Net charge-offs | $354,000 | 3,489 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $248,700 | 4,575 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,901,000 | 3,977 |
| Total interest expense | $1,196,000 | 4,254 |
| Net interest income | $2,705,000 | 3,744 |
| Provision for loan and lease losses | $-12,000 | 8,149 |
| Total noninterest income | $280,000 | 4,568 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $239,000 | 2,956 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $41,000 | 6,066 |
| Total noninterest expense | $2,831,000 | 3,368 |
| Salaries and employee benefits | $1,715,000 | 2,888 |
| Premises and equipment expense | $193,000 | 5,166 |
| Additional noninterest expense | $923,000 | 3,486 |
| Pre-tax net operating income | $166,000 | 4,848 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $23,000 | 3,629 |
| Income before extraordinary items | $143,000 | 4,906 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $143,000 | 4,902 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $143,000 | 4,903 |
| Net charge-offs | $200,000 | 3,416 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $143,000 | 4,823 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,966,000 | 3,989 |
| Total interest expense | $578,000 | 4,446 |
| Net interest income | $1,388,000 | 3,665 |
| Provision for loan and lease losses | $-9,000 | 8,185 |
| Total noninterest income | $135,000 | 4,646 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $116,000 | 2,969 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $19,000 | 6,215 |
| Total noninterest expense | $1,444,000 | 3,240 |
| Salaries and employee benefits | $888,000 | 2,846 |
| Premises and equipment expense | $104,000 | 5,010 |
| Additional noninterest expense | $452,000 | 3,265 |
| Pre-tax net operating income | $88,000 | 5,158 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $13,000 | 3,831 |
| Income before extraordinary items | $75,000 | 5,314 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $75,000 | 5,319 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $75,000 | 5,318 |
| Net charge-offs | $140,000 | 2,492 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $75,000 | 5,136 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,741,000 | 4,223 |
| Total interest expense | $2,621,000 | 4,613 |
| Net interest income | $5,120,000 | 3,887 |
| Provision for loan and lease losses | $26,000 | 6,918 |
| Total noninterest income | $586,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $501,000 | 3,012 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $85,000 | 6,138 |
| Total noninterest expense | $5,150,000 | 3,481 |
| Salaries and employee benefits | $3,212,000 | 3,066 |
| Premises and equipment expense | $421,000 | 4,952 |
| Additional noninterest expense | $1,517,000 | 3,589 |
| Pre-tax net operating income | $530,000 | 4,777 |
| Securities gains (losses) | $-1,715,000 | 7,852 |
| Applicable income taxes | $-437,000 | 7,448 |
| Income before extraordinary items | $-748,000 | 6,863 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-748,000 | 6,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,646 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $349,600 | 5,086 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,808,000 | 4,288 |
| Total interest expense | $2,052,000 | 4,621 |
| Net interest income | $3,756,000 | 3,967 |
| Provision for loan and lease losses | $-2,000 | 8,257 |
| Total noninterest income | $443,000 | 4,607 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $373,000 | 3,060 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $70,000 | 6,140 |
| Total noninterest expense | $3,869,000 | 3,460 |
| Salaries and employee benefits | $2,448,000 | 3,052 |
| Premises and equipment expense | $324,000 | 4,894 |
| Additional noninterest expense | $1,097,000 | 3,622 |
| Pre-tax net operating income | $332,000 | 5,523 |
| Securities gains (losses) | $96,000 | 991 |
| Applicable income taxes | $112,000 | 3,497 |
| Income before extraordinary items | $316,000 | 5,146 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $316,000 | 5,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,023 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $244,960 | 5,652 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,888,000 | 4,333 |
| Total interest expense | $1,475,000 | 4,550 |
| Net interest income | $2,413,000 | 4,074 |
| Provision for loan and lease losses | $1,000 | 6,652 |
| Total noninterest income | $294,000 | 4,677 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $247,000 | 3,046 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $47,000 | 6,218 |
| Total noninterest expense | $2,591,000 | 3,464 |
| Salaries and employee benefits | $1,656,000 | 3,045 |
| Premises and equipment expense | $225,000 | 4,803 |
| Additional noninterest expense | $710,000 | 3,685 |
| Pre-tax net operating income | $115,000 | 6,319 |
| Securities gains (losses) | $96,000 | 997 |
| Applicable income taxes | $45,000 | 4,142 |
| Income before extraordinary items | $166,000 | 5,858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $166,000 | 5,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,377 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $90,160 | 6,357 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,921,000 | 4,438 |
| Total interest expense | $787,000 | 4,555 |
| Net interest income | $1,134,000 | 4,246 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $149,000 | 4,635 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $125,000 | 2,971 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $24,000 | 6,230 |
| Total noninterest expense | $1,296,000 | 3,484 |
| Salaries and employee benefits | $823,000 | 3,087 |
| Premises and equipment expense | $120,000 | 4,630 |
| Additional noninterest expense | $353,000 | 3,648 |
| Pre-tax net operating income | $-13,000 | 7,250 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-26,000 | 7,937 |
| Income before extraordinary items | $13,000 | 7,105 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $13,000 | 7,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,623 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $13,000 | 7,022 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,449,000 | 4,211 |
| Total interest expense | $3,353,000 | 4,463 |
| Net interest income | $5,096,000 | 3,942 |
| Provision for loan and lease losses | $-36,000 | 8,289 |
| Total noninterest income | $701,000 | 4,297 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $532,000 | 2,910 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $169,000 | 5,372 |
| Total noninterest expense | $5,091,000 | 3,392 |
| Salaries and employee benefits | $3,133,000 | 3,114 |
| Premises and equipment expense | $451,000 | 4,666 |
| Additional noninterest expense | $1,507,000 | 3,404 |
| Pre-tax net operating income | $742,000 | 5,329 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $242,000 | 3,654 |
| Income before extraordinary items | $500,000 | 5,683 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $500,000 | 5,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-339,000 | 8,479 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $500,000 | 5,664 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,412,000 | 4,205 |
| Total interest expense | $2,520,000 | 4,458 |
| Net interest income | $3,892,000 | 3,892 |
| Provision for loan and lease losses | $-52,000 | 8,379 |
| Total noninterest income | $517,000 | 4,339 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $397,000 | 2,915 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $120,000 | 5,477 |
| Total noninterest expense | $3,953,000 | 3,280 |
| Salaries and employee benefits | $2,393,000 | 3,037 |
| Premises and equipment expense | $347,000 | 4,568 |
| Additional noninterest expense | $1,213,000 | 3,165 |
| Pre-tax net operating income | $508,000 | 5,740 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $182,000 | 3,826 |
| Income before extraordinary items | $326,000 | 6,183 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $326,000 | 6,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-353,000 | 8,508 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $326,000 | 6,173 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,285,000 | 4,220 |
| Total interest expense | $1,676,000 | 4,456 |
| Net interest income | $2,609,000 | 3,901 |
| Provision for loan and lease losses | $-41,000 | 8,418 |
| Total noninterest income | $350,000 | 4,319 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $264,000 | 2,914 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $86,000 | 5,378 |
| Total noninterest expense | $2,668,000 | 3,275 |
| Salaries and employee benefits | $1,606,000 | 3,060 |
| Premises and equipment expense | $241,000 | 4,484 |
| Additional noninterest expense | $821,000 | 3,123 |
| Pre-tax net operating income | $332,000 | 5,861 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $120,000 | 3,926 |
| Income before extraordinary items | $212,000 | 6,293 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $212,000 | 6,292 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-352,000 | 8,560 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $212,000 | 6,286 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,089,000 | 4,268 |
| Total interest expense | $826,000 | 4,483 |
| Net interest income | $1,263,000 | 3,996 |
| Provision for loan and lease losses | $-2,000 | 8,388 |
| Total noninterest income | $178,000 | 4,271 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $134,000 | 2,839 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $44,000 | 5,347 |
| Total noninterest expense | $1,330,000 | 3,290 |
| Salaries and employee benefits | $816,000 | 3,037 |
| Premises and equipment expense | $127,000 | 4,340 |
| Additional noninterest expense | $387,000 | 3,261 |
| Pre-tax net operating income | $113,000 | 6,503 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $39,000 | 4,383 |
| Income before extraordinary items | $74,000 | 6,801 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $74,000 | 6,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-345,000 | 8,606 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $74,000 | 6,780 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,528,000 | 4,029 |
| Total interest expense | $2,928,000 | 4,375 |
| Net interest income | $5,600,000 | 3,707 |
| Provision for loan and lease losses | $48,000 | 5,647 |
| Total noninterest income | $674,000 | 4,446 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $545,000 | 2,880 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $129,000 | 5,899 |
| Total noninterest expense | $5,343,000 | 3,166 |
| Salaries and employee benefits | $3,192,000 | 2,961 |
| Premises and equipment expense | $485,000 | 4,358 |
| Additional noninterest expense | $1,666,000 | 3,017 |
| Pre-tax net operating income | $883,000 | 5,449 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $328,000 | 3,685 |
| Income before extraordinary items | $555,000 | 5,970 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $555,000 | 5,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $346,000 | 1,501 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $555,000 | 5,968 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,471,000 | 3,961 |
| Total interest expense | $2,145,000 | 4,354 |
| Net interest income | $4,326,000 | 3,649 |
| Provision for loan and lease losses | $98,000 | 4,141 |
| Total noninterest income | $471,000 | 4,646 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $395,000 | 2,973 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $76,000 | 6,304 |
| Total noninterest expense | $4,028,000 | 3,152 |
| Salaries and employee benefits | $2,403,000 | 2,947 |
| Premises and equipment expense | $370,000 | 4,315 |
| Additional noninterest expense | $1,255,000 | 3,002 |
| Pre-tax net operating income | $671,000 | 5,626 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $254,000 | 3,814 |
| Income before extraordinary items | $417,000 | 6,155 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $417,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,263 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $417,000 | 6,152 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $4,322,000 | 3,907 |
| Total interest expense | $1,437,000 | 4,225 |
| Net interest income | $2,885,000 | 3,651 |
| Provision for loan and lease losses | $125,000 | 2,925 |
| Total noninterest income | $335,000 | 4,456 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $263,000 | 2,955 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $72,000 | 5,737 |
| Total noninterest expense | $2,692,000 | 3,147 |
| Salaries and employee benefits | $1,605,000 | 2,943 |
| Premises and equipment expense | $252,000 | 4,249 |
| Additional noninterest expense | $835,000 | 3,012 |
| Pre-tax net operating income | $403,000 | 5,890 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $152,000 | 3,985 |
| Income before extraordinary items | $251,000 | 6,379 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $251,000 | 6,380 |
| 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 | $251,000 | 6,385 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,124,000 | 3,895 |
| Total interest expense | $705,000 | 4,162 |
| Net interest income | $1,419,000 | 3,700 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $170,000 | 4,343 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $127,000 | 2,956 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $43,000 | 5,402 |
| Total noninterest expense | $1,357,000 | 3,146 |
| Salaries and employee benefits | $798,000 | 2,981 |
| Premises and equipment expense | $132,000 | 4,139 |
| Additional noninterest expense | $427,000 | 2,941 |
| Pre-tax net operating income | $157,000 | 6,325 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $58,000 | 4,321 |
| Income before extraordinary items | $99,000 | 6,750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,442 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $99,000 | 6,751 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $8,590,000 | 3,543 |
| Total interest expense | $2,561,000 | 3,748 |
| Net interest income | $6,029,000 | 3,412 |
| Provision for loan and lease losses | $392,000 | 2,306 |
| Total noninterest income | $695,000 | 4,401 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $560,000 | 2,812 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $135,000 | 5,901 |
| Total noninterest expense | $5,068,000 | 3,202 |
| Salaries and employee benefits | $2,918,000 | 3,039 |
| Premises and equipment expense | $417,000 | 4,733 |
| Additional noninterest expense | $1,733,000 | 2,857 |
| Pre-tax net operating income | $1,264,000 | 4,792 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $500,000 | 3,364 |
| Income before extraordinary items | $764,000 | 5,456 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $764,000 | 5,460 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $545,000 | 1,093 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $764,000 | 5,424 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,448,000 | 3,492 |
| Total interest expense | $1,873,000 | 3,690 |
| Net interest income | $4,575,000 | 3,370 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $522,000 | 4,424 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $415,000 | 2,835 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $107,000 | 5,833 |
| Total noninterest expense | $3,879,000 | 3,110 |
| Salaries and employee benefits | $2,192,000 | 2,996 |
| Premises and equipment expense | $314,000 | 4,681 |
| Additional noninterest expense | $1,373,000 | 2,685 |
| Pre-tax net operating income | $993,000 | 4,788 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $390,000 | 3,370 |
| Income before extraordinary items | $603,000 | 5,430 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $603,000 | 5,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,153 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $603,000 | 5,401 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,313,000 | 3,418 |
| Total interest expense | $1,229,000 | 3,562 |
| Net interest income | $3,084,000 | 3,331 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $345,000 | 4,407 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $272,000 | 2,814 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $73,000 | 5,795 |
| Total noninterest expense | $2,594,000 | 3,085 |
| Salaries and employee benefits | $1,458,000 | 2,998 |
| Premises and equipment expense | $219,000 | 4,512 |
| Additional noninterest expense | $917,000 | 2,652 |
| Pre-tax net operating income | $685,000 | 4,678 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $270,000 | 3,288 |
| Income before extraordinary items | $415,000 | 5,359 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $415,000 | 5,361 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $415,000 | 5,318 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,152,000 | 3,390 |
| Total interest expense | $603,000 | 3,491 |
| Net interest income | $1,549,000 | 3,322 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $157,000 | 4,590 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $132,000 | 2,810 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,471 |
| Total noninterest expense | $1,262,000 | 3,171 |
| Salaries and employee benefits | $723,000 | 3,038 |
| Premises and equipment expense | $124,000 | 4,218 |
| Additional noninterest expense | $415,000 | 2,926 |
| Pre-tax net operating income | $369,000 | 4,479 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $146,000 | 3,148 |
| Income before extraordinary items | $223,000 | 5,150 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $223,000 | 5,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $223,000 | 5,119 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,510,000 | 3,586 |
| Total interest expense | $2,075,000 | 3,536 |
| Net interest income | $5,435,000 | 3,567 |
| Provision for loan and lease losses | $843,000 | 1,228 |
| Total noninterest income | $747,000 | 4,239 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $603,000 | 2,691 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $144,000 | 5,771 |
| Total noninterest expense | $4,319,000 | 3,522 |
| Salaries and employee benefits | $2,569,000 | 3,269 |
| Premises and equipment expense | $388,000 | 4,861 |
| Additional noninterest expense | $1,362,000 | 3,382 |
| Pre-tax net operating income | $1,020,000 | 5,190 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $328,000 | 4,049 |
| Income before extraordinary items | $692,000 | 5,620 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $692,000 | 5,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,392 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $692,000 | 5,553 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,455,000 | 3,666 |
| Total interest expense | $1,500,000 | 3,607 |
| Net interest income | $3,955,000 | 3,627 |
| Provision for loan and lease losses | $105,000 | 4,188 |
| Total noninterest income | $580,000 | 4,170 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $484,000 | 2,571 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $96,000 | 5,987 |
| Total noninterest expense | $3,407,000 | 3,367 |
| Salaries and employee benefits | $2,032,000 | 3,084 |
| Premises and equipment expense | $303,000 | 4,720 |
| Additional noninterest expense | $1,072,000 | 3,223 |
| Pre-tax net operating income | $1,023,000 | 4,547 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $406,000 | 3,274 |
| Income before extraordinary items | $617,000 | 5,287 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $617,000 | 5,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $617,000 | 5,202 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 3,730 |
| Total interest expense | $955,000 | 3,746 |
| Net interest income | $2,603,000 | 3,653 |
| Provision for loan and lease losses | $68,000 | 4,156 |
| Total noninterest income | $345,000 | 4,462 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $318,000 | 2,586 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,377 |
| Total noninterest expense | $2,282,000 | 3,379 |
| Salaries and employee benefits | $1,359,000 | 3,107 |
| Premises and equipment expense | $206,000 | 4,676 |
| Additional noninterest expense | $717,000 | 3,240 |
| Pre-tax net operating income | $598,000 | 4,841 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $237,000 | 3,480 |
| Income before extraordinary items | $361,000 | 5,591 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $361,000 | 5,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,531 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $361,000 | 5,506 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,740,000 | 3,803 |
| Total interest expense | $477,000 | 3,787 |
| Net interest income | $1,263,000 | 3,728 |
| Provision for loan and lease losses | $38,000 | 3,803 |
| Total noninterest income | $164,000 | 4,549 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $152,000 | 2,644 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $1,129,000 | 3,412 |
| Salaries and employee benefits | $671,000 | 3,148 |
| Premises and equipment expense | $106,000 | 4,616 |
| Additional noninterest expense | $352,000 | 3,268 |
| Pre-tax net operating income | $260,000 | 5,172 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $103,000 | 3,738 |
| Income before extraordinary items | $157,000 | 5,901 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $157,000 | 5,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $157,000 | 5,780 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,346,000 | 3,673 |
| Total interest expense | $2,215,000 | 3,690 |
| Net interest income | $5,131,000 | 3,618 |
| Provision for loan and lease losses | $150,000 | 4,567 |
| Total noninterest income | $709,000 | 4,523 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $638,000 | 2,566 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $71,000 | 7,063 |
| Total noninterest expense | $4,307,000 | 3,490 |
| Salaries and employee benefits | $2,532,000 | 3,243 |
| Premises and equipment expense | $426,000 | 4,527 |
| Additional noninterest expense | $1,349,000 | 3,385 |
| Pre-tax net operating income | $1,383,000 | 4,340 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $608,000 | 3,038 |
| Income before extraordinary items | $775,000 | 5,321 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $775,000 | 5,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,556 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $775,000 | 5,171 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,582,000 | 3,682 |
| Total interest expense | $1,712,000 | 3,704 |
| Net interest income | $3,870,000 | 3,626 |
| Provision for loan and lease losses | $112,000 | 4,473 |
| Total noninterest income | $537,000 | 4,538 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $490,000 | 2,515 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $47,000 | 7,300 |
| Total noninterest expense | $3,253,000 | 3,452 |
| Salaries and employee benefits | $1,895,000 | 3,245 |
| Premises and equipment expense | $311,000 | 4,602 |
| Additional noninterest expense | $1,047,000 | 3,259 |
| Pre-tax net operating income | $1,042,000 | 4,441 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $490,000 | 3,066 |
| Income before extraordinary items | $552,000 | 5,599 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $552,000 | 5,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 2,556 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $552,000 | 5,417 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,781,000 | 3,666 |
| Total interest expense | $1,177,000 | 3,725 |
| Net interest income | $2,604,000 | 3,584 |
| Provision for loan and lease losses | $75,000 | 4,385 |
| Total noninterest income | $362,000 | 4,493 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $317,000 | 2,545 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $2,146,000 | 3,472 |
| Salaries and employee benefits | $1,253,000 | 3,267 |
| Premises and equipment expense | $209,000 | 4,581 |
| Additional noninterest expense | $684,000 | 3,294 |
| Pre-tax net operating income | $745,000 | 4,262 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $340,000 | 3,005 |
| Income before extraordinary items | $405,000 | 5,370 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $405,000 | 5,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 1,919 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $405,000 | 5,173 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,907,000 | 3,671 |
| Total interest expense | $603,000 | 3,739 |
| Net interest income | $1,304,000 | 3,572 |
| Provision for loan and lease losses | $37,000 | 4,214 |
| Total noninterest income | $182,000 | 4,388 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $153,000 | 2,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $29,000 | 6,299 |
| Total noninterest expense | $1,065,000 | 3,484 |
| Salaries and employee benefits | $631,000 | 3,221 |
| Premises and equipment expense | $106,000 | 4,525 |
| Additional noninterest expense | $328,000 | 3,375 |
| Pre-tax net operating income | $384,000 | 4,132 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $164,000 | 3,062 |
| Income before extraordinary items | $220,000 | 5,061 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $220,000 | 5,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 2,492 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $220,000 | 4,862 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,137,000 | 3,599 |
| Total interest expense | $2,765,000 | 3,781 |
| Net interest income | $5,372,000 | 3,451 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $720,000 | 4,255 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $615,000 | 2,523 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $105,000 | 6,345 |
| Total noninterest expense | $4,094,000 | 3,508 |
| Salaries and employee benefits | $2,252,000 | 3,393 |
| Premises and equipment expense | $386,000 | 4,773 |
| Additional noninterest expense | $1,456,000 | 3,019 |
| Pre-tax net operating income | $1,698,000 | 3,795 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $582,000 | 3,169 |
| Income before extraordinary items | $1,116,000 | 4,283 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,116,000 | 4,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 9,140 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,116,000 | 4,178 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,714,000 | 3,740 |
| Total interest expense | $3,810,000 | 3,954 |
| Net interest income | $4,904,000 | 3,486 |
| Provision for loan and lease losses | $300,000 | 3,194 |
| Total noninterest income | $677,000 | 4,271 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $566,000 | 2,560 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $111,000 | 6,181 |
| Total noninterest expense | $3,710,000 | 3,656 |
| Salaries and employee benefits | $2,008,000 | 3,580 |
| Premises and equipment expense | $395,000 | 4,640 |
| Additional noninterest expense | $1,307,000 | 3,238 |
| Pre-tax net operating income | $1,571,000 | 3,736 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $609,000 | 2,945 |
| Income before extraordinary items | $962,000 | 4,382 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $962,000 | 4,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,531 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $962,000 | 4,269 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,052,000 | 4,110 |
| Total interest expense | $3,666,000 | 4,251 |
| Net interest income | $4,386,000 | 3,888 |
| Provision for loan and lease losses | $150,000 | 4,393 |
| Total noninterest income | $573,000 | 4,526 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $480,000 | 2,787 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,597 |
| Total noninterest expense | $3,401,000 | 3,812 |
| Salaries and employee benefits | $1,819,000 | 3,745 |
| Premises and equipment expense | $343,000 | 5,001 |
| Additional noninterest expense | $1,239,000 | 3,325 |
| Pre-tax net operating income | $1,408,000 | 4,254 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $513,000 | 3,434 |
| Income before extraordinary items | $895,000 | 4,700 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $895,000 | 4,699 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,301 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $895,000 | 4,700 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,778,000 | 4,516 |
| Total interest expense | $3,038,000 | 4,553 |
| Net interest income | $3,740,000 | 4,421 |
| Provision for loan and lease losses | $165,000 | 4,039 |
| Total noninterest income | $526,000 | 4,810 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $427,000 | 3,046 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 6,680 |
| Total noninterest expense | $3,260,000 | 3,927 |
| Salaries and employee benefits | $1,634,000 | 4,052 |
| Premises and equipment expense | $324,000 | 5,234 |
| Additional noninterest expense | $1,302,000 | 3,211 |
| Pre-tax net operating income | $841,000 | 5,790 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $277,000 | 4,990 |
| Income before extraordinary items | $564,000 | 6,081 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $564,000 | 6,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,227 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $564,000 | 6,052 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,647,000 | 4,588 |
| Total interest expense | $3,255,000 | 4,425 |
| Net interest income | $3,392,000 | 4,703 |
| Provision for loan and lease losses | $65,000 | 5,993 |
| Total noninterest income | $569,000 | 4,552 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $359,000 | 3,434 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $210,000 | 4,842 |
| Total noninterest expense | $2,947,000 | 4,180 |
| Salaries and employee benefits | $1,370,000 | 4,564 |
| Premises and equipment expense | $242,000 | 6,079 |
| Additional noninterest expense | $1,335,000 | 3,061 |
| Pre-tax net operating income | $949,000 | 5,579 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $325,000 | 4,952 |
| Income before extraordinary items | $624,000 | 5,945 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $624,000 | 5,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 9,867 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $624,000 | 5,845 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,037,000 | 5,043 |
| Total interest expense | $3,047,000 | 4,650 |
| Net interest income | $2,990,000 | 5,316 |
| Provision for loan and lease losses | $245,000 | 2,986 |
| Total noninterest income | $445,000 | 5,370 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $342,000 | 3,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,713 |
| Total noninterest expense | $2,597,000 | 4,638 |
| Salaries and employee benefits | $1,238,000 | 4,959 |
| Premises and equipment expense | $301,000 | 5,436 |
| Additional noninterest expense | $1,058,000 | 3,702 |
| Pre-tax net operating income | $593,000 | 7,466 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $211,000 | 6,739 |
| Income before extraordinary items | $382,000 | 7,761 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $382,000 | 7,764 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 3,684 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $382,000 | 7,709 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,616,000 | 5,435 |
| Total interest expense | $2,927,000 | 4,882 |
| Net interest income | $2,689,000 | 5,898 |
| Provision for loan and lease losses | $235,000 | 3,076 |
| Total noninterest income | $218,000 | 7,982 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $171,000 | 6,101 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,021 |
| Total noninterest expense | $2,158,000 | 5,620 |
| Salaries and employee benefits | $1,042,000 | 5,823 |
| Premises and equipment expense | $270,000 | 5,962 |
| Additional noninterest expense | $846,000 | 4,973 |
| Pre-tax net operating income | $514,000 | 7,859 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $187,000 | 7,333 |
| Income before extraordinary items | $327,000 | 8,193 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $327,000 | 8,192 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 1,766 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $327,000 | 8,130 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,224,000 | 5,805 |
| Total interest expense | $2,575,000 | 5,432 |
| Net interest income | $2,649,000 | 6,046 |
| Provision for loan and lease losses | $190,000 | 3,120 |
| Total noninterest income | $184,000 | 8,695 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $138,000 | 6,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 9,426 |
| Total noninterest expense | $1,735,000 | 6,639 |
| Salaries and employee benefits | $860,000 | 6,761 |
| Premises and equipment expense | $232,000 | 6,634 |
| Additional noninterest expense | $643,000 | 6,242 |
| Pre-tax net operating income | $908,000 | 6,381 |
| Securities gains (losses) | $-16,000 | 10,415 |
| Applicable income taxes | $97,000 | 9,235 |
| Income before extraordinary items | $795,000 | 5,475 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $795,000 | 5,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,537 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $809,240 | 5,375 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,122,000 | 6,552 |
| Total interest expense | $1,762,000 | 6,170 |
| Net interest income | $2,360,000 | 6,735 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $149,000 | 9,723 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 10,473 |
| Total noninterest expense | $1,639,000 | 7,171 |
| Salaries and employee benefits | $816,000 | 7,117 |
| Premises and equipment expense | $168,000 | 8,131 |
| Additional noninterest expense | $655,000 | 6,638 |
| Pre-tax net operating income | $870,000 | 6,542 |
| Securities gains (losses) | $-26,000 | 10,539 |
| Applicable income taxes | $333,000 | 5,479 |
| Income before extraordinary items | $511,000 | 7,227 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $511,000 | 7,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,999 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $527,640 | 7,140 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,929,000 | 6,946 |
| Total interest expense | $1,721,000 | 6,565 |
| Net interest income | $2,208,000 | 7,165 |
| Provision for loan and lease losses | $155,000 | 4,559 |
| Total noninterest income | $206,000 | 9,122 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 7,832 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 8,379 |
| Total noninterest expense | $1,594,000 | 7,521 |
| Salaries and employee benefits | $753,000 | 7,626 |
| Premises and equipment expense | $163,000 | 8,556 |
| Additional noninterest expense | $678,000 | 6,722 |
| Pre-tax net operating income | $665,000 | 7,544 |
| Securities gains (losses) | $60,000 | 3,157 |
| Applicable income taxes | $194,000 | 7,729 |
| Income before extraordinary items | $531,000 | 7,298 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $531,000 | 7,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $391,000 | 2,085 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $487,200 | 7,406 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,262,000 | 7,171 |
| Total interest expense | $2,076,000 | 6,931 |
| Net interest income | $2,186,000 | 7,278 |
| Provision for loan and lease losses | $838,000 | 2,096 |
| Total noninterest income | $141,000 | 10,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $35,000 | 10,873 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,856 |
| Total noninterest expense | $1,417,000 | 8,220 |
| Salaries and employee benefits | $732,000 | 7,759 |
| Premises and equipment expense | $144,000 | 9,299 |
| Additional noninterest expense | $541,000 | 8,072 |
| Pre-tax net operating income | $73,000 | 12,254 |
| Securities gains (losses) | $43,000 | 4,369 |
| Applicable income taxes | $-86,000 | 13,565 |
| Income before extraordinary items | $201,000 | 10,590 |
| Extraordinary gains, net | $103,000 | 731 |
| Net income | $304,000 | 9,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $936,000 | 1,618 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $158,000 | 10,816 |
* 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.