Home > Bank of Freeburg > Income and Expense
Bank of Freeburg, Income and Expense
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 7,652 |
| Total interest expense | $544,000 | 7,478 |
| Net interest income | $899,000 | 7,649 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $51,000 | 8,145 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $23,000 | 7,228 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,587 |
| Total noninterest expense | $577,000 | 8,068 |
| Salaries and employee benefits | $263,000 | 8,279 |
| Premises and equipment expense | $58,000 | 8,100 |
| Additional noninterest expense | $256,000 | 7,374 |
| Pre-tax net operating income | $373,000 | 6,717 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $135,000 | 4,591 |
| Income before extraordinary items | $238,000 | 7,021 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $238,000 | 7,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,412 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $238,000 | 7,022 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $938,000 | 7,702 |
| Total interest expense | $350,000 | 7,492 |
| Net interest income | $588,000 | 7,726 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $33,000 | 8,211 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $14,000 | 7,307 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $19,000 | 7,607 |
| Total noninterest expense | $354,000 | 8,197 |
| Salaries and employee benefits | $173,000 | 8,336 |
| Premises and equipment expense | $44,000 | 7,973 |
| Additional noninterest expense | $137,000 | 7,754 |
| Pre-tax net operating income | $267,000 | 6,663 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $97,000 | 4,544 |
| Income before extraordinary items | $170,000 | 7,002 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $170,000 | 7,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $170,000 | 7,008 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $462,000 | 7,736 |
| Total interest expense | $170,000 | 7,501 |
| Net interest income | $292,000 | 7,762 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $17,000 | 8,197 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $8,000 | 7,290 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $9,000 | 7,631 |
| Total noninterest expense | $154,000 | 8,366 |
| Salaries and employee benefits | $87,000 | 8,352 |
| Premises and equipment expense | $20,000 | 8,084 |
| Additional noninterest expense | $47,000 | 8,233 |
| Pre-tax net operating income | $155,000 | 6,349 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $56,000 | 4,357 |
| 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 | $0 | 4,399 |
| 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 | $1,747,000 | 7,685 |
| Total interest expense | $565,000 | 7,428 |
| Net interest income | $1,182,000 | 7,702 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $57,000 | 8,376 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $19,000 | 7,488 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $38,000 | 7,667 |
| Total noninterest expense | $648,000 | 8,332 |
| Salaries and employee benefits | $348,000 | 8,363 |
| Premises and equipment expense | $99,000 | 7,866 |
| Additional noninterest expense | $201,000 | 8,221 |
| Pre-tax net operating income | $591,000 | 6,452 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $200,000 | 4,669 |
| Income before extraordinary items | $391,000 | 6,810 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $391,000 | 6,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $150,000 | 5,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $391,000 | 6,777 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,283,000 | 7,730 |
| Total interest expense | $401,000 | 7,468 |
| Net interest income | $882,000 | 7,750 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $42,000 | 8,421 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $13,000 | 7,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,683 |
| Total noninterest expense | $476,000 | 8,340 |
| Salaries and employee benefits | $256,000 | 8,367 |
| Premises and equipment expense | $76,000 | 7,863 |
| Additional noninterest expense | $144,000 | 8,255 |
| Pre-tax net operating income | $448,000 | 6,580 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $157,000 | 4,762 |
| Income before extraordinary items | $291,000 | 6,962 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $291,000 | 6,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,295 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $291,000 | 6,922 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $846,000 | 7,740 |
| Total interest expense | $247,000 | 7,542 |
| Net interest income | $599,000 | 7,750 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $26,000 | 8,459 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $7,000 | 7,607 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $19,000 | 7,696 |
| Total noninterest expense | $332,000 | 8,288 |
| Salaries and employee benefits | $169,000 | 8,391 |
| Premises and equipment expense | $61,000 | 7,596 |
| Additional noninterest expense | $102,000 | 8,179 |
| Pre-tax net operating income | $293,000 | 6,624 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $103,000 | 4,783 |
| Income before extraordinary items | $190,000 | 7,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $190,000 | 7,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,029 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $190,000 | 6,960 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $414,000 | 7,827 |
| Total interest expense | $119,000 | 7,571 |
| Net interest income | $295,000 | 7,823 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $14,000 | 8,474 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $11,000 | 7,631 |
| Total noninterest expense | $168,000 | 8,354 |
| Salaries and employee benefits | $84,000 | 8,467 |
| Premises and equipment expense | $32,000 | 7,605 |
| Additional noninterest expense | $52,000 | 8,214 |
| Pre-tax net operating income | $141,000 | 6,678 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $46,000 | 4,870 |
| Income before extraordinary items | $95,000 | 6,983 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $95,000 | 6,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $95,000 | 6,956 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,571,000 | 7,811 |
| Total interest expense | $429,000 | 7,573 |
| Net interest income | $1,142,000 | 7,831 |
| Provision for loan and lease losses | $11,000 | 7,005 |
| Total noninterest income | $56,000 | 8,530 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $16,000 | 7,711 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $40,000 | 7,684 |
| Total noninterest expense | $712,000 | 8,298 |
| Salaries and employee benefits | $349,000 | 8,466 |
| Premises and equipment expense | $159,000 | 7,226 |
| Additional noninterest expense | $204,000 | 8,281 |
| Pre-tax net operating income | $475,000 | 6,787 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $176,000 | 4,905 |
| Income before extraordinary items | $299,000 | 7,239 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $299,000 | 7,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,654 |
| Cash dividends | $144,000 | 5,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $299,000 | 7,181 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,163,000 | 7,858 |
| Total interest expense | $318,000 | 7,612 |
| Net interest income | $845,000 | 7,878 |
| Provision for loan and lease losses | $9,000 | 6,765 |
| Total noninterest income | $22,000 | 8,783 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $12,000 | 7,761 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 8,467 |
| Total noninterest expense | $451,000 | 8,512 |
| Salaries and employee benefits | $257,000 | 8,484 |
| Premises and equipment expense | $53,000 | 8,354 |
| Additional noninterest expense | $141,000 | 8,383 |
| Pre-tax net operating income | $407,000 | 6,705 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $149,000 | 4,859 |
| Income before extraordinary items | $258,000 | 7,157 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $258,000 | 7,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,103 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $258,000 | 7,096 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $769,000 | 7,928 |
| Total interest expense | $210,000 | 7,690 |
| Net interest income | $559,000 | 7,936 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $28,000 | 8,640 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $7,000 | 7,820 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $21,000 | 7,686 |
| Total noninterest expense | $289,000 | 8,611 |
| Salaries and employee benefits | $170,000 | 8,542 |
| Premises and equipment expense | $39,000 | 8,284 |
| Additional noninterest expense | $80,000 | 8,582 |
| Pre-tax net operating income | $292,000 | 6,561 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $106,000 | 4,763 |
| Income before extraordinary items | $186,000 | 7,016 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $186,000 | 7,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,680 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $186,000 | 6,946 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $390,000 | 7,947 |
| Total interest expense | $106,000 | 7,744 |
| Net interest income | $284,000 | 7,947 |
| Provision for loan and lease losses | $3,000 | 6,219 |
| Total noninterest income | $14,000 | 8,663 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,000 | 7,856 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $11,000 | 7,645 |
| Total noninterest expense | $137,000 | 8,701 |
| Salaries and employee benefits | $84,000 | 8,598 |
| Premises and equipment expense | $16,000 | 8,479 |
| Additional noninterest expense | $37,000 | 8,708 |
| Pre-tax net operating income | $158,000 | 6,339 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $57,000 | 4,676 |
| Income before extraordinary items | $101,000 | 6,861 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $101,000 | 6,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $101,000 | 6,759 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 7,929 |
| Total interest expense | $510,000 | 7,699 |
| Net interest income | $1,122,000 | 7,920 |
| Provision for loan and lease losses | $24,000 | 6,956 |
| Total noninterest income | $50,000 | 8,799 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $13,000 | 7,904 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $37,000 | 7,907 |
| Total noninterest expense | $603,000 | 8,650 |
| Salaries and employee benefits | $339,000 | 8,627 |
| Premises and equipment expense | $75,000 | 8,414 |
| Additional noninterest expense | $189,000 | 8,515 |
| Pre-tax net operating income | $545,000 | 6,531 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $206,000 | 4,884 |
| Income before extraordinary items | $339,000 | 7,092 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $339,000 | 7,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,943 |
| Cash dividends | $138,000 | 5,318 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $339,000 | 6,947 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,236,000 | 8,013 |
| Total interest expense | $399,000 | 7,773 |
| Net interest income | $837,000 | 8,006 |
| Provision for loan and lease losses | $12,000 | 7,043 |
| Total noninterest income | $38,000 | 8,865 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $10,000 | 7,963 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $28,000 | 7,919 |
| Total noninterest expense | $437,000 | 8,699 |
| Salaries and employee benefits | $248,000 | 8,659 |
| Premises and equipment expense | $59,000 | 8,402 |
| Additional noninterest expense | $130,000 | 8,631 |
| Pre-tax net operating income | $426,000 | 6,608 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $153,000 | 5,059 |
| Income before extraordinary items | $273,000 | 7,099 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $273,000 | 7,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 5,184 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $273,000 | 6,936 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $841,000 | 8,035 |
| Total interest expense | $280,000 | 7,792 |
| Net interest income | $561,000 | 8,028 |
| Provision for loan and lease losses | $12,000 | 6,682 |
| Total noninterest income | $24,000 | 8,909 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $7,000 | 7,984 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $17,000 | 8,015 |
| Total noninterest expense | $283,000 | 8,757 |
| Salaries and employee benefits | $164,000 | 8,701 |
| Premises and equipment expense | $41,000 | 8,360 |
| Additional noninterest expense | $78,000 | 8,758 |
| Pre-tax net operating income | $290,000 | 6,556 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $104,000 | 5,080 |
| Income before extraordinary items | $186,000 | 7,096 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $186,000 | 7,097 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,544 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $186,000 | 6,910 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $426,000 | 8,068 |
| Total interest expense | $146,000 | 7,812 |
| Net interest income | $280,000 | 8,074 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $12,000 | 8,928 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $139,000 | 8,828 |
| Salaries and employee benefits | $80,000 | 8,774 |
| Premises and equipment expense | $18,000 | 8,517 |
| Additional noninterest expense | $41,000 | 8,745 |
| Pre-tax net operating income | $153,000 | 6,427 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $54,000 | 4,991 |
| Income before extraordinary items | $99,000 | 6,918 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $99,000 | 6,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $99,000 | 6,755 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,839,000 | 8,032 |
| Total interest expense | $687,000 | 7,853 |
| Net interest income | $1,152,000 | 8,030 |
| Provision for loan and lease losses | $18,000 | 7,572 |
| Total noninterest income | $26,000 | 9,136 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $13,000 | 8,053 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $13,000 | 8,786 |
| Total noninterest expense | $623,000 | 8,714 |
| Salaries and employee benefits | $335,000 | 8,749 |
| Premises and equipment expense | $92,000 | 8,283 |
| Additional noninterest expense | $196,000 | 8,589 |
| Pre-tax net operating income | $537,000 | 6,623 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $198,000 | 5,136 |
| Income before extraordinary items | $339,000 | 7,136 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $339,000 | 7,136 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,046 |
| Cash dividends | $132,000 | 5,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $339,000 | 7,022 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,036,000 | 8,172 |
| Total interest expense | $1,027,000 | 7,971 |
| Net interest income | $1,009,000 | 8,267 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $26,000 | 9,376 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $10,000 | 8,248 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $16,000 | 8,892 |
| Total noninterest expense | $613,000 | 8,897 |
| Salaries and employee benefits | $327,000 | 8,950 |
| Premises and equipment expense | $90,000 | 8,459 |
| Additional noninterest expense | $196,000 | 8,692 |
| Pre-tax net operating income | $422,000 | 6,876 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $149,000 | 5,456 |
| Income before extraordinary items | $273,000 | 7,293 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $273,000 | 7,295 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 8,788 |
| Cash dividends | $126,000 | 5,521 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $273,000 | 7,177 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,059,000 | 8,346 |
| Total interest expense | $997,000 | 8,226 |
| Net interest income | $1,062,000 | 8,362 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $28,000 | 9,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 8,417 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,043 |
| Total noninterest expense | $569,000 | 9,195 |
| Salaries and employee benefits | $307,000 | 9,221 |
| Premises and equipment expense | $78,000 | 8,823 |
| Additional noninterest expense | $184,000 | 8,934 |
| Pre-tax net operating income | $521,000 | 6,900 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $177,000 | 5,644 |
| Income before extraordinary items | $344,000 | 7,189 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $344,000 | 7,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,699 |
| Cash dividends | $120,000 | 5,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $344,000 | 7,182 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,892,000 | 8,628 |
| Total interest expense | $896,000 | 8,455 |
| Net interest income | $996,000 | 8,642 |
| Provision for loan and lease losses | $20,000 | 7,660 |
| Total noninterest income | $25,000 | 9,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,712 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $526,000 | 9,550 |
| Salaries and employee benefits | $288,000 | 9,536 |
| Premises and equipment expense | $61,000 | 9,406 |
| Additional noninterest expense | $177,000 | 9,262 |
| Pre-tax net operating income | $475,000 | 7,252 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $171,000 | 6,024 |
| Income before extraordinary items | $304,000 | 7,571 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $304,000 | 7,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $114,000 | 5,963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $304,000 | 7,545 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,894,000 | 8,808 |
| Total interest expense | $952,000 | 8,555 |
| Net interest income | $942,000 | 8,927 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $27,000 | 10,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 8,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $16,000 | 9,678 |
| Total noninterest expense | $497,000 | 9,790 |
| Salaries and employee benefits | $274,000 | 9,760 |
| Premises and equipment expense | $58,000 | 9,619 |
| Additional noninterest expense | $165,000 | 9,509 |
| Pre-tax net operating income | $472,000 | 7,521 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $160,000 | 6,714 |
| Income before extraordinary items | $312,000 | 7,786 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $312,000 | 7,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,217 |
| Cash dividends | $108,000 | 6,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $312,000 | 7,704 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,841,000 | 9,213 |
| Total interest expense | $905,000 | 8,953 |
| Net interest income | $936,000 | 9,340 |
| Provision for loan and lease losses | $20,000 | 7,880 |
| Total noninterest income | $29,000 | 10,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 9,252 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $17,000 | 10,015 |
| Total noninterest expense | $489,000 | 10,164 |
| Salaries and employee benefits | $265,000 | 10,172 |
| Premises and equipment expense | $62,000 | 9,902 |
| Additional noninterest expense | $162,000 | 9,863 |
| Pre-tax net operating income | $456,000 | 8,153 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $158,000 | 7,483 |
| Income before extraordinary items | $298,000 | 8,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $298,000 | 8,390 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,963 |
| Cash dividends | $102,000 | 6,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $298,000 | 8,347 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,696,000 | 9,813 |
| Total interest expense | $859,000 | 9,453 |
| Net interest income | $837,000 | 10,007 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $29,000 | 11,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 9,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 10,461 |
| Total noninterest expense | $469,000 | 10,704 |
| Salaries and employee benefits | $249,000 | 10,722 |
| Premises and equipment expense | $53,000 | 10,553 |
| Additional noninterest expense | $167,000 | 10,341 |
| Pre-tax net operating income | $397,000 | 8,524 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $127,000 | 8,266 |
| Income before extraordinary items | $270,000 | 8,665 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $270,000 | 8,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $96,000 | 6,813 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $270,000 | 8,598 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,552,000 | 10,433 |
| Total interest expense | $803,000 | 9,929 |
| Net interest income | $749,000 | 10,687 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $25,000 | 11,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,187 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,205 |
| Total noninterest expense | $478,000 | 11,118 |
| Salaries and employee benefits | $259,000 | 11,088 |
| Premises and equipment expense | $52,000 | 11,019 |
| Additional noninterest expense | $167,000 | 10,846 |
| Pre-tax net operating income | $296,000 | 9,766 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $81,000 | 9,559 |
| Income before extraordinary items | $215,000 | 9,773 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $215,000 | 9,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,816 |
| Cash dividends | $90,000 | 6,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $215,000 | 9,742 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,432,000 | 10,869 |
| Total interest expense | $673,000 | 10,238 |
| Net interest income | $759,000 | 11,181 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $20,000 | 12,383 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $10,000 | 10,723 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,083 |
| Total noninterest expense | $514,000 | 11,538 |
| Salaries and employee benefits | $262,000 | 11,555 |
| Premises and equipment expense | $60,000 | 11,299 |
| Additional noninterest expense | $192,000 | 11,243 |
| Pre-tax net operating income | $265,000 | 10,375 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $53,000 | 10,390 |
| Income before extraordinary items | $212,000 | 10,130 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $212,000 | 10,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $88,000 | 7,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $212,000 | 10,181 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 11,462 |
| Total interest expense | $672,000 | 10,751 |
| Net interest income | $722,000 | 11,781 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $22,000 | 13,045 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $12,000 | 11,170 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $10,000 | 12,761 |
| Total noninterest expense | $485,000 | 12,244 |
| Salaries and employee benefits | $235,000 | 12,320 |
| Premises and equipment expense | $61,000 | 11,811 |
| Additional noninterest expense | $189,000 | 11,881 |
| Pre-tax net operating income | $259,000 | 10,560 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $66,000 | 10,572 |
| Income before extraordinary items | $193,000 | 10,734 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $193,000 | 10,833 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $84,000 | 7,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $193,000 | 10,513 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,408,000 | 12,165 |
| Total interest expense | $717,000 | 11,723 |
| Net interest income | $691,000 | 12,356 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $30,000 | 13,538 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $11,000 | 11,579 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 12,651 |
| Total noninterest expense | $481,000 | 12,743 |
| Salaries and employee benefits | $215,000 | 12,994 |
| Premises and equipment expense | $77,000 | 11,610 |
| Additional noninterest expense | $189,000 | 12,390 |
| Pre-tax net operating income | $240,000 | 10,698 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $57,000 | 11,058 |
| Income before extraordinary items | $183,000 | 10,829 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $183,000 | 10,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 12,606 |
| Cash dividends | $84,000 | 6,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $183,000 | 10,494 |
* 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.