Home > Bank of Hiawassee > Income and Expense
Bank of Hiawassee, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,963,000 | 2,000 |
| Total interest expense | $10,754,000 | 1,101 |
| Net interest income | $6,209,000 | 3,369 |
| Provision for loan and lease losses | $24,412,000 | 426 |
| Total noninterest income | $1,365,000 | 2,728 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $654,000 | 2,382 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $711,000 | 2,632 |
| Total noninterest expense | $15,058,000 | 1,358 |
| Salaries and employee benefits | $6,795,000 | 1,478 |
| Premises and equipment expense | $1,369,000 | 1,965 |
| Additional noninterest expense | $6,894,000 | 1,128 |
| Pre-tax net operating income | $-31,896,000 | 7,807 |
| Securities gains (losses) | $168,000 | 1,690 |
| Applicable income taxes | $-1,063,000 | 7,301 |
| Income before extraordinary items | $-30,665,000 | 7,819 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-30,665,000 | 7,819 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-30,665,000 | 7,819 |
| Net charge-offs | $21,872,000 | 387 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-30,827,960 | 7,821 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,279,000 | 1,945 |
| Total interest expense | $8,352,000 | 1,116 |
| Net interest income | $4,927,000 | 3,230 |
| Provision for loan and lease losses | $14,419,000 | 477 |
| Total noninterest income | $993,000 | 2,830 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $472,000 | 2,473 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $521,000 | 2,739 |
| Total noninterest expense | $10,989,000 | 1,397 |
| Salaries and employee benefits | $5,120,000 | 1,487 |
| Premises and equipment expense | $1,011,000 | 2,003 |
| Additional noninterest expense | $4,858,000 | 1,158 |
| Pre-tax net operating income | $-19,488,000 | 7,867 |
| Securities gains (losses) | $111,000 | 1,751 |
| Applicable income taxes | $-7,362,000 | 7,944 |
| Income before extraordinary items | $-12,015,000 | 7,828 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-12,015,000 | 7,827 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-12,015,000 | 7,827 |
| Net charge-offs | $10,849,000 | 479 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-12,086,040 | 7,828 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,184,000 | 1,923 |
| Total interest expense | $5,748,000 | 1,148 |
| Net interest income | $3,436,000 | 3,096 |
| Provision for loan and lease losses | $7,696,000 | 544 |
| Total noninterest income | $630,000 | 2,943 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $324,000 | 2,382 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $306,000 | 2,974 |
| Total noninterest expense | $7,421,000 | 1,398 |
| Salaries and employee benefits | $3,480,000 | 1,491 |
| Premises and equipment expense | $673,000 | 2,035 |
| Additional noninterest expense | $3,268,000 | 1,175 |
| Pre-tax net operating income | $-11,051,000 | 7,935 |
| Securities gains (losses) | $8,000 | 2,641 |
| Applicable income taxes | $-4,142,000 | 8,016 |
| Income before extraordinary items | $-6,901,000 | 7,873 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,901,000 | 7,872 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,901,000 | 7,872 |
| Net charge-offs | $5,981,000 | 516 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-6,906,120 | 7,886 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,778,000 | 1,873 |
| Total interest expense | $2,920,000 | 1,177 |
| Net interest income | $1,858,000 | 2,891 |
| Provision for loan and lease losses | $1,513,000 | 909 |
| Total noninterest income | $390,000 | 2,539 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $157,000 | 2,370 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $233,000 | 2,295 |
| Total noninterest expense | $3,062,000 | 1,642 |
| Salaries and employee benefits | $1,799,000 | 1,453 |
| Premises and equipment expense | $335,000 | 2,079 |
| Additional noninterest expense | $928,000 | 1,744 |
| Pre-tax net operating income | $-2,327,000 | 7,871 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-1,586,000 | 8,060 |
| Income before extraordinary items | $-741,000 | 7,600 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-741,000 | 7,601 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-741,000 | 7,601 |
| Net charge-offs | $2,159,000 | 584 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-741,000 | 7,591 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $24,684,000 | 1,570 |
| Total interest expense | $13,356,000 | 1,213 |
| Net interest income | $11,328,000 | 1,960 |
| Provision for loan and lease losses | $11,072,000 | 556 |
| Total noninterest income | $2,394,000 | 1,870 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $673,000 | 2,420 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,721,000 | 1,456 |
| Total noninterest expense | $14,249,000 | 1,375 |
| Salaries and employee benefits | $7,632,000 | 1,332 |
| Premises and equipment expense | $1,397,000 | 1,952 |
| Additional noninterest expense | $5,220,000 | 1,220 |
| Pre-tax net operating income | $-11,599,000 | 8,020 |
| Securities gains (losses) | $3,000 | 2,883 |
| Applicable income taxes | $-4,762,000 | 8,095 |
| Income before extraordinary items | $-6,834,000 | 7,903 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,834,000 | 7,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,598,000 | 625 |
| Cash dividends | $970,000 | 2,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,835,920 | 7,939 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,793,000 | 1,511 |
| Total interest expense | $10,232,000 | 1,235 |
| Net interest income | $9,561,000 | 1,765 |
| Provision for loan and lease losses | $4,324,000 | 710 |
| Total noninterest income | $1,828,000 | 1,898 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $498,000 | 2,473 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,330,000 | 1,480 |
| Total noninterest expense | $10,915,000 | 1,318 |
| Salaries and employee benefits | $6,244,000 | 1,221 |
| Premises and equipment expense | $1,025,000 | 1,991 |
| Additional noninterest expense | $3,646,000 | 1,258 |
| Pre-tax net operating income | $-3,850,000 | 8,075 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-1,467,000 | 8,129 |
| Income before extraordinary items | $-2,383,000 | 7,936 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,383,000 | 7,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $788,000 | 1,504 |
| Cash dividends | $970,000 | 1,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,383,000 | 8,000 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,100,000 | 1,429 |
| Total interest expense | $7,021,000 | 1,245 |
| Net interest income | $7,079,000 | 1,590 |
| Provision for loan and lease losses | $1,171,000 | 1,120 |
| Total noninterest income | $1,380,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $317,000 | 2,525 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,063,000 | 1,332 |
| Total noninterest expense | $7,299,000 | 1,316 |
| Salaries and employee benefits | $4,292,000 | 1,201 |
| Premises and equipment expense | $666,000 | 2,040 |
| Additional noninterest expense | $2,341,000 | 1,275 |
| Pre-tax net operating income | $-11,000 | 6,977 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-166,000 | 7,949 |
| Income before extraordinary items | $155,000 | 5,929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $155,000 | 5,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 1,302 |
| Cash dividends | $780,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $155,000 | 5,878 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,530,000 | 1,367 |
| Total interest expense | $3,717,000 | 1,262 |
| Net interest income | $3,813,000 | 1,450 |
| Provision for loan and lease losses | $365,000 | 1,220 |
| Total noninterest income | $677,000 | 1,795 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $148,000 | 2,655 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $529,000 | 1,359 |
| Total noninterest expense | $3,305,000 | 1,448 |
| Salaries and employee benefits | $2,103,000 | 1,234 |
| Premises and equipment expense | $354,000 | 1,922 |
| Additional noninterest expense | $848,000 | 1,685 |
| Pre-tax net operating income | $820,000 | 2,102 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $219,000 | 1,852 |
| Income before extraordinary items | $601,000 | 2,311 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $601,000 | 2,314 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 1,099 |
| Cash dividends | $435,000 | 1,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $601,000 | 2,237 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $33,651,000 | 1,254 |
| Total interest expense | $15,318,000 | 1,308 |
| Net interest income | $18,333,000 | 1,215 |
| Provision for loan and lease losses | $380,000 | 2,776 |
| Total noninterest income | $2,408,000 | 1,945 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $623,000 | 2,600 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,785,000 | 1,465 |
| Total noninterest expense | $12,399,000 | 1,494 |
| Salaries and employee benefits | $7,948,000 | 1,255 |
| Premises and equipment expense | $1,407,000 | 1,861 |
| Additional noninterest expense | $3,044,000 | 1,811 |
| Pre-tax net operating income | $7,962,000 | 1,053 |
| Securities gains (losses) | $6,000 | 1,516 |
| Applicable income taxes | $2,681,000 | 887 |
| Income before extraordinary items | $5,287,000 | 1,209 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,287,000 | 1,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 2,046 |
| Cash dividends | $1,245,000 | 2,288 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 1,133 |
| Net operating income | $5,283,040 | 1,206 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $25,461,000 | 1,241 |
| Total interest expense | $11,433,000 | 1,306 |
| Net interest income | $14,028,000 | 1,201 |
| Provision for loan and lease losses | $343,000 | 2,123 |
| Total noninterest income | $2,008,000 | 1,780 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $464,000 | 2,598 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,544,000 | 1,351 |
| Total noninterest expense | $9,342,000 | 1,463 |
| Salaries and employee benefits | $6,110,000 | 1,220 |
| Premises and equipment expense | $1,019,000 | 1,916 |
| Additional noninterest expense | $2,213,000 | 1,821 |
| Pre-tax net operating income | $6,351,000 | 1,088 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,169,000 | 904 |
| Income before extraordinary items | $4,182,000 | 1,230 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,182,000 | 1,227 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $314,000 | 1,499 |
| Cash dividends | $1,010,000 | 1,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,182,000 | 1,217 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,819,000 | 1,268 |
| Total interest expense | $7,415,000 | 1,346 |
| Net interest income | $9,404,000 | 1,215 |
| Provision for loan and lease losses | $341,000 | 1,395 |
| Total noninterest income | $1,297,000 | 1,846 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $305,000 | 2,615 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $992,000 | 1,410 |
| Total noninterest expense | $6,046,000 | 1,519 |
| Salaries and employee benefits | $4,020,000 | 1,265 |
| Premises and equipment expense | $649,000 | 2,001 |
| Additional noninterest expense | $1,377,000 | 1,957 |
| Pre-tax net operating income | $4,314,000 | 1,104 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,506,000 | 916 |
| Income before extraordinary items | $2,808,000 | 1,272 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,808,000 | 1,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 1,171 |
| Cash dividends | $740,000 | 1,919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,808,000 | 1,255 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,238,000 | 1,287 |
| Total interest expense | $3,598,000 | 1,380 |
| Net interest income | $4,640,000 | 1,223 |
| Provision for loan and lease losses | $170,000 | 1,311 |
| Total noninterest income | $689,000 | 1,759 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $148,000 | 2,628 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $541,000 | 1,291 |
| Total noninterest expense | $2,815,000 | 1,640 |
| Salaries and employee benefits | $2,000,000 | 1,290 |
| Premises and equipment expense | $312,000 | 2,089 |
| Additional noninterest expense | $503,000 | 2,602 |
| Pre-tax net operating income | $2,344,000 | 1,004 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $834,000 | 831 |
| Income before extraordinary items | $1,510,000 | 1,173 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,510,000 | 1,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $390,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,510,000 | 1,148 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,102,000 | 1,309 |
| Total interest expense | $12,555,000 | 1,339 |
| Net interest income | $17,547,000 | 1,297 |
| Provision for loan and lease losses | $1,521,000 | 704 |
| Total noninterest income | $2,505,000 | 1,882 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $570,000 | 2,795 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,935,000 | 1,396 |
| Total noninterest expense | $11,105,000 | 1,593 |
| Salaries and employee benefits | $6,687,000 | 1,484 |
| Premises and equipment expense | $1,303,000 | 1,933 |
| Additional noninterest expense | $3,115,000 | 1,691 |
| Pre-tax net operating income | $7,426,000 | 1,326 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $2,507,000 | 1,095 |
| Income before extraordinary items | $4,920,000 | 1,484 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,920,000 | 1,485 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $313,000 | 1,619 |
| Cash dividends | $938,000 | 2,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,919,340 | 1,465 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,028,000 | 1,344 |
| Total interest expense | $8,961,000 | 1,363 |
| Net interest income | $13,067,000 | 1,329 |
| Provision for loan and lease losses | $1,129,000 | 673 |
| Total noninterest income | $1,847,000 | 1,910 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $428,000 | 2,810 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,419,000 | 1,413 |
| Total noninterest expense | $8,713,000 | 1,544 |
| Salaries and employee benefits | $5,308,000 | 1,396 |
| Premises and equipment expense | $969,000 | 1,963 |
| Additional noninterest expense | $2,436,000 | 1,618 |
| Pre-tax net operating income | $5,072,000 | 1,491 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $1,725,000 | 1,243 |
| Income before extraordinary items | $3,348,000 | 1,662 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,348,000 | 1,663 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 2,728 |
| Cash dividends | $938,000 | 2,025 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,347,340 | 1,647 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $13,942,000 | 1,391 |
| Total interest expense | $5,703,000 | 1,363 |
| Net interest income | $8,239,000 | 1,401 |
| Provision for loan and lease losses | $554,000 | 895 |
| Total noninterest income | $1,257,000 | 1,882 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $277,000 | 2,844 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $980,000 | 1,369 |
| Total noninterest expense | $5,831,000 | 1,542 |
| Salaries and employee benefits | $3,493,000 | 1,415 |
| Premises and equipment expense | $627,000 | 2,008 |
| Additional noninterest expense | $1,711,000 | 1,551 |
| Pre-tax net operating income | $3,111,000 | 1,599 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,047,000 | 1,352 |
| Income before extraordinary items | $2,064,000 | 1,764 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,064,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 1,677 |
| Cash dividends | $406,000 | 2,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,064,000 | 1,753 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,526,000 | 1,450 |
| Total interest expense | $2,617,000 | 1,406 |
| Net interest income | $3,909,000 | 1,468 |
| Provision for loan and lease losses | $267,000 | 879 |
| Total noninterest income | $603,000 | 1,929 |
| 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 | $476,000 | 1,392 |
| Total noninterest expense | $2,979,000 | 1,513 |
| Salaries and employee benefits | $1,709,000 | 1,456 |
| Premises and equipment expense | $309,000 | 2,037 |
| Additional noninterest expense | $961,000 | 1,371 |
| Pre-tax net operating income | $1,266,000 | 1,889 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $507,000 | 1,388 |
| Income before extraordinary items | $759,000 | 2,299 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $759,000 | 2,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $28,000 | 3,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $759,000 | 2,276 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,683,000 | 1,706 |
| Total interest expense | $7,115,000 | 1,607 |
| Net interest income | $12,568,000 | 1,743 |
| Provision for loan and lease losses | $666,000 | 1,499 |
| Total noninterest income | $2,428,000 | 1,913 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $658,000 | 2,462 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,770,000 | 1,476 |
| Total noninterest expense | $9,687,000 | 1,756 |
| Salaries and employee benefits | $5,501,000 | 1,704 |
| Premises and equipment expense | $958,000 | 2,461 |
| Additional noninterest expense | $3,228,000 | 1,583 |
| Pre-tax net operating income | $4,643,000 | 1,974 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,620,000 | 1,616 |
| Income before extraordinary items | $3,023,000 | 2,231 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,023,000 | 2,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $251,000 | 1,975 |
| Cash dividends | $685,000 | 3,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,023,000 | 2,195 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,011,000 | 1,753 |
| Total interest expense | $4,840,000 | 1,668 |
| Net interest income | $9,171,000 | 1,782 |
| Provision for loan and lease losses | $375,000 | 1,807 |
| Total noninterest income | $1,796,000 | 1,935 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $509,000 | 2,407 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,287,000 | 1,507 |
| Total noninterest expense | $6,989,000 | 1,801 |
| Salaries and employee benefits | $3,866,000 | 1,793 |
| Premises and equipment expense | $693,000 | 2,532 |
| Additional noninterest expense | $2,430,000 | 1,543 |
| Pre-tax net operating income | $3,603,000 | 1,941 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,274,000 | 1,569 |
| Income before extraordinary items | $2,329,000 | 2,198 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,329,000 | 2,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 2,454 |
| Cash dividends | $396,000 | 3,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,329,000 | 2,162 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,795,000 | 1,810 |
| Total interest expense | $2,897,000 | 1,744 |
| Net interest income | $5,898,000 | 1,839 |
| Provision for loan and lease losses | $250,000 | 1,767 |
| Total noninterest income | $1,110,000 | 2,027 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $338,000 | 2,383 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $772,000 | 1,620 |
| Total noninterest expense | $4,513,000 | 1,837 |
| Salaries and employee benefits | $2,430,000 | 1,878 |
| Premises and equipment expense | $434,000 | 2,640 |
| Additional noninterest expense | $1,649,000 | 1,511 |
| Pre-tax net operating income | $2,245,000 | 1,993 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $762,000 | 1,687 |
| Income before extraordinary items | $1,483,000 | 2,253 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,483,000 | 2,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-74,000 | 8,591 |
| Cash dividends | $397,000 | 2,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,483,000 | 2,219 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,138,000 | 1,878 |
| Total interest expense | $1,335,000 | 1,787 |
| Net interest income | $2,803,000 | 1,918 |
| Provision for loan and lease losses | $125,000 | 1,680 |
| Total noninterest income | $559,000 | 1,973 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $161,000 | 2,413 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $398,000 | 1,558 |
| Total noninterest expense | $2,124,000 | 1,948 |
| Salaries and employee benefits | $1,187,000 | 1,929 |
| Premises and equipment expense | $216,000 | 2,679 |
| Additional noninterest expense | $721,000 | 1,711 |
| Pre-tax net operating income | $1,113,000 | 1,988 |
| Securities gains (losses) | $3,000 | 1,324 |
| Applicable income taxes | $393,000 | 1,624 |
| Income before extraordinary items | $723,000 | 2,270 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $723,000 | 2,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 1,841 |
| Cash dividends | $187,000 | 2,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $721,050 | 2,236 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,972,000 | 1,905 |
| Total interest expense | $4,446,000 | 1,831 |
| Net interest income | $10,526,000 | 1,930 |
| Provision for loan and lease losses | $334,000 | 2,712 |
| Total noninterest income | $2,186,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $713,000 | 2,336 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,473,000 | 1,660 |
| Total noninterest expense | $8,192,000 | 1,956 |
| Salaries and employee benefits | $4,298,000 | 2,023 |
| Premises and equipment expense | $854,000 | 2,634 |
| Additional noninterest expense | $3,040,000 | 1,607 |
| Pre-tax net operating income | $4,186,000 | 1,979 |
| Securities gains (losses) | $64,000 | 1,554 |
| Applicable income taxes | $1,587,000 | 1,540 |
| Income before extraordinary items | $2,663,000 | 2,296 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,663,000 | 2,298 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 2,434 |
| Cash dividends | $792,000 | 2,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,622,040 | 2,274 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,992,000 | 1,922 |
| Total interest expense | $3,233,000 | 1,853 |
| Net interest income | $7,759,000 | 1,939 |
| Provision for loan and lease losses | $165,000 | 3,371 |
| Total noninterest income | $1,583,000 | 2,129 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $532,000 | 2,365 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,051,000 | 1,713 |
| Total noninterest expense | $5,779,000 | 2,069 |
| Salaries and employee benefits | $3,169,000 | 2,066 |
| Premises and equipment expense | $641,000 | 2,627 |
| Additional noninterest expense | $1,969,000 | 1,823 |
| Pre-tax net operating income | $3,398,000 | 1,851 |
| Securities gains (losses) | $64,000 | 1,472 |
| Applicable income taxes | $1,174,000 | 1,563 |
| Income before extraordinary items | $2,288,000 | 2,054 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,288,000 | 2,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 2,251 |
| Cash dividends | $431,000 | 2,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,245,760 | 2,033 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,220,000 | 1,939 |
| Total interest expense | $2,136,000 | 1,854 |
| Net interest income | $5,084,000 | 1,957 |
| Provision for loan and lease losses | $130,000 | 2,974 |
| Total noninterest income | $1,118,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $357,000 | 2,351 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $761,000 | 1,610 |
| Total noninterest expense | $3,839,000 | 2,075 |
| Salaries and employee benefits | $2,086,000 | 2,097 |
| Premises and equipment expense | $457,000 | 2,465 |
| Additional noninterest expense | $1,296,000 | 1,843 |
| Pre-tax net operating income | $2,233,000 | 1,871 |
| Securities gains (losses) | $64,000 | 1,301 |
| Applicable income taxes | $777,000 | 1,558 |
| Income before extraordinary items | $1,520,000 | 2,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,520,000 | 2,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 3,991 |
| Cash dividends | $210,000 | 3,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,477,760 | 2,038 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,576,000 | 1,965 |
| Total interest expense | $1,068,000 | 1,867 |
| Net interest income | $2,508,000 | 1,985 |
| Provision for loan and lease losses | $5,000 | 6,071 |
| Total noninterest income | $454,000 | 2,321 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $155,000 | 2,607 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $299,000 | 1,889 |
| Total noninterest expense | $1,875,000 | 2,143 |
| Salaries and employee benefits | $1,040,000 | 2,120 |
| Premises and equipment expense | $226,000 | 2,509 |
| Additional noninterest expense | $609,000 | 1,952 |
| Pre-tax net operating income | $1,082,000 | 1,881 |
| Securities gains (losses) | $61,000 | 1,087 |
| Applicable income taxes | $387,000 | 1,602 |
| Income before extraordinary items | $756,000 | 2,035 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $756,000 | 2,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $210,000 | 2,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $715,740 | 2,049 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,670,000 | 2,083 |
| Total interest expense | $4,460,000 | 2,002 |
| Net interest income | $9,210,000 | 2,117 |
| Provision for loan and lease losses | $918,000 | 1,285 |
| Total noninterest income | $1,810,000 | 2,483 |
| 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 | $1,172,000 | 2,153 |
| Total noninterest expense | $6,948,000 | 2,264 |
| Salaries and employee benefits | $3,830,000 | 2,220 |
| Premises and equipment expense | $853,000 | 2,600 |
| Additional noninterest expense | $2,265,000 | 2,125 |
| Pre-tax net operating income | $3,154,000 | 2,404 |
| Securities gains (losses) | $124,000 | 1,699 |
| Applicable income taxes | $1,056,000 | 2,101 |
| Income before extraordinary items | $2,222,000 | 2,635 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,222,000 | 2,638 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,100,000 | 856 |
| Cash dividends | $753,000 | 2,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,137,680 | 2,592 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,074,000 | 2,148 |
| Total interest expense | $3,364,000 | 2,064 |
| Net interest income | $6,710,000 | 2,179 |
| Provision for loan and lease losses | $837,000 | 1,046 |
| Total noninterest income | $1,409,000 | 2,456 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $484,000 | 2,551 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $925,000 | 2,160 |
| Total noninterest expense | $5,175,000 | 2,290 |
| Salaries and employee benefits | $2,898,000 | 2,198 |
| Premises and equipment expense | $636,000 | 2,625 |
| Additional noninterest expense | $1,641,000 | 2,189 |
| Pre-tax net operating income | $2,107,000 | 2,733 |
| Securities gains (losses) | $124,000 | 1,559 |
| Applicable income taxes | $656,000 | 2,495 |
| Income before extraordinary items | $1,575,000 | 2,860 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,575,000 | 2,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $970,000 | 714 |
| Cash dividends | $553,000 | 2,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,486,960 | 2,839 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,562,000 | 2,223 |
| Total interest expense | $2,229,000 | 2,151 |
| Net interest income | $4,333,000 | 2,247 |
| Provision for loan and lease losses | $225,000 | 2,308 |
| Total noninterest income | $949,000 | 2,440 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $337,000 | 2,419 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $612,000 | 2,167 |
| Total noninterest expense | $3,382,000 | 2,322 |
| Salaries and employee benefits | $1,935,000 | 2,189 |
| Premises and equipment expense | $424,000 | 2,622 |
| Additional noninterest expense | $1,023,000 | 2,317 |
| Pre-tax net operating income | $1,675,000 | 2,373 |
| Securities gains (losses) | $120,000 | 1,368 |
| Applicable income taxes | $523,000 | 2,249 |
| Income before extraordinary items | $1,272,000 | 2,443 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,272,000 | 2,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $359,000 | 2,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,186,800 | 2,458 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,185,000 | 2,320 |
| Total interest expense | $1,098,000 | 2,225 |
| Net interest income | $2,087,000 | 2,329 |
| Provision for loan and lease losses | $62,000 | 3,213 |
| Total noninterest income | $473,000 | 2,382 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $173,000 | 2,299 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $300,000 | 2,110 |
| Total noninterest expense | $1,654,000 | 2,349 |
| Salaries and employee benefits | $961,000 | 2,193 |
| Premises and equipment expense | $210,000 | 2,652 |
| Additional noninterest expense | $483,000 | 2,406 |
| Pre-tax net operating income | $844,000 | 2,365 |
| Securities gains (losses) | $120,000 | 902 |
| Applicable income taxes | $285,000 | 2,126 |
| Income before extraordinary items | $679,000 | 2,249 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $679,000 | 2,247 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,155 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $595,000 | 2,424 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,207,000 | 2,523 |
| Total interest expense | $4,693,000 | 2,368 |
| Net interest income | $7,514,000 | 2,546 |
| Provision for loan and lease losses | $408,000 | 2,790 |
| Total noninterest income | $1,588,000 | 2,529 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $616,000 | 2,520 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $972,000 | 2,228 |
| Total noninterest expense | $6,004,000 | 2,460 |
| Salaries and employee benefits | $3,382,000 | 2,360 |
| Premises and equipment expense | $745,000 | 2,844 |
| Additional noninterest expense | $1,877,000 | 2,455 |
| Pre-tax net operating income | $2,690,000 | 2,733 |
| Securities gains (losses) | $-3,000 | 8,756 |
| Applicable income taxes | $819,000 | 2,555 |
| Income before extraordinary items | $1,868,000 | 2,950 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,868,000 | 2,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,774 |
| Cash dividends | $569,000 | 3,257 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,870,100 | 2,859 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,383,000 | 2,563 |
| Total interest expense | $6,616,000 | 2,429 |
| Net interest income | $6,767,000 | 2,650 |
| Provision for loan and lease losses | $65,000 | 6,279 |
| Total noninterest income | $1,237,000 | 2,871 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $562,000 | 2,581 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $675,000 | 2,625 |
| Total noninterest expense | $5,352,000 | 2,645 |
| Salaries and employee benefits | $3,023,000 | 2,490 |
| Premises and equipment expense | $730,000 | 2,849 |
| Additional noninterest expense | $1,599,000 | 2,720 |
| Pre-tax net operating income | $2,587,000 | 2,602 |
| Securities gains (losses) | $9,000 | 3,652 |
| Applicable income taxes | $774,000 | 2,491 |
| Income before extraordinary items | $1,822,000 | 2,759 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,822,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $545,000 | 1,468 |
| Cash dividends | $623,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,815,700 | 2,675 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,300,000 | 2,615 |
| Total interest expense | $6,834,000 | 2,462 |
| Net interest income | $6,466,000 | 2,749 |
| Provision for loan and lease losses | $708,000 | 1,401 |
| Total noninterest income | $1,088,000 | 2,963 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $442,000 | 3,002 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $646,000 | 2,512 |
| Total noninterest expense | $4,737,000 | 2,860 |
| Salaries and employee benefits | $2,620,000 | 2,716 |
| Premises and equipment expense | $757,000 | 2,706 |
| Additional noninterest expense | $1,360,000 | 3,052 |
| Pre-tax net operating income | $2,109,000 | 3,188 |
| Securities gains (losses) | $-3,000 | 7,730 |
| Applicable income taxes | $598,000 | 3,114 |
| Income before extraordinary items | $1,508,000 | 3,238 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,508,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $238,000 | 2,124 |
| Cash dividends | $628,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,510,160 | 3,231 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $11,537,000 | 2,801 |
| Total interest expense | $5,595,000 | 2,634 |
| Net interest income | $5,942,000 | 2,955 |
| Provision for loan and lease losses | $1,490,000 | 701 |
| Total noninterest income | $928,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $383,000 | 3,332 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $545,000 | 2,798 |
| Total noninterest expense | $4,468,000 | 3,002 |
| Salaries and employee benefits | $2,445,000 | 2,869 |
| Premises and equipment expense | $677,000 | 2,945 |
| Additional noninterest expense | $1,346,000 | 3,135 |
| Pre-tax net operating income | $912,000 | 5,576 |
| Securities gains (losses) | $-3,000 | 8,917 |
| Applicable income taxes | $127,000 | 6,556 |
| Income before extraordinary items | $782,000 | 5,156 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $782,000 | 5,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,212 |
| Cash dividends | $560,000 | 3,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $784,580 | 5,118 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $10,543,000 | 3,063 |
| Total interest expense | $5,190,000 | 2,888 |
| Net interest income | $5,353,000 | 3,208 |
| Provision for loan and lease losses | $330,000 | 2,400 |
| Total noninterest income | $589,000 | 4,438 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $341,000 | 3,563 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $248,000 | 4,451 |
| Total noninterest expense | $3,600,000 | 3,525 |
| Salaries and employee benefits | $2,037,000 | 3,274 |
| Premises and equipment expense | $428,000 | 4,196 |
| Additional noninterest expense | $1,135,000 | 3,533 |
| Pre-tax net operating income | $2,012,000 | 3,326 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $568,000 | 3,542 |
| Income before extraordinary items | $1,444,000 | 3,353 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,444,000 | 3,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,101 |
| Cash dividends | $574,000 | 3,236 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,444,000 | 3,262 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $9,571,000 | 3,375 |
| Total interest expense | $4,640,000 | 3,198 |
| Net interest income | $4,931,000 | 3,536 |
| Provision for loan and lease losses | $123,000 | 4,577 |
| Total noninterest income | $515,000 | 4,916 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $325,000 | 3,835 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $190,000 | 5,075 |
| Total noninterest expense | $3,480,000 | 3,629 |
| Salaries and employee benefits | $2,035,000 | 3,251 |
| Premises and equipment expense | $391,000 | 4,520 |
| Additional noninterest expense | $1,054,000 | 3,715 |
| Pre-tax net operating income | $1,843,000 | 3,790 |
| Securities gains (losses) | $-19,000 | 10,340 |
| Applicable income taxes | $494,000 | 4,248 |
| Income before extraordinary items | $1,330,000 | 3,722 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,330,000 | 3,721 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,850 |
| Cash dividends | $585,000 | 3,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,343,870 | 3,619 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,605,000 | 3,767 |
| Total interest expense | $4,400,000 | 3,385 |
| Net interest income | $4,205,000 | 4,133 |
| Provision for loan and lease losses | $150,000 | 4,046 |
| Total noninterest income | $795,000 | 3,732 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $302,000 | 4,205 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $493,000 | 2,953 |
| Total noninterest expense | $2,779,000 | 4,582 |
| Salaries and employee benefits | $1,559,000 | 4,170 |
| Premises and equipment expense | $357,000 | 4,955 |
| Additional noninterest expense | $863,000 | 4,906 |
| Pre-tax net operating income | $2,071,000 | 3,325 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $579,000 | 3,695 |
| Income before extraordinary items | $1,502,000 | 3,187 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,502,000 | 3,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $520,000 | 3,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,494,800 | 3,165 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,487,000 | 3,805 |
| Total interest expense | $4,226,000 | 3,511 |
| Net interest income | $4,261,000 | 4,097 |
| Provision for loan and lease losses | $211,000 | 2,897 |
| Total noninterest income | $373,000 | 6,241 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $292,000 | 4,395 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $81,000 | 7,917 |
| Total noninterest expense | $2,328,000 | 5,298 |
| Salaries and employee benefits | $1,376,000 | 4,630 |
| Premises and equipment expense | $292,000 | 5,753 |
| Additional noninterest expense | $660,000 | 6,125 |
| Pre-tax net operating income | $2,095,000 | 3,346 |
| Securities gains (losses) | $-37,000 | 10,982 |
| Applicable income taxes | $546,000 | 3,928 |
| Income before extraordinary items | $1,512,000 | 3,228 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,512,000 | 3,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,078 |
| Cash dividends | $443,000 | 3,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,539,010 | 3,156 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,255,000 | 4,092 |
| Total interest expense | $3,411,000 | 3,528 |
| Net interest income | $3,844,000 | 4,544 |
| Provision for loan and lease losses | $25,000 | 7,401 |
| Total noninterest income | $345,000 | 6,728 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $269,000 | 4,765 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,407 |
| Total noninterest expense | $2,280,000 | 5,567 |
| Salaries and employee benefits | $1,200,000 | 5,244 |
| Premises and equipment expense | $274,000 | 6,096 |
| Additional noninterest expense | $806,000 | 5,669 |
| Pre-tax net operating income | $1,884,000 | 3,609 |
| Securities gains (losses) | $-12,000 | 9,966 |
| Applicable income taxes | $489,000 | 4,125 |
| Income before extraordinary items | $1,383,000 | 3,404 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,383,000 | 3,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 11,971 |
| Cash dividends | $381,000 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,391,880 | 3,413 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,789,000 | 4,436 |
| Total interest expense | $3,427,000 | 3,671 |
| Net interest income | $3,362,000 | 5,138 |
| Provision for loan and lease losses | $66,000 | 6,760 |
| Total noninterest income | $379,000 | 6,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $261,000 | 4,939 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 7,354 |
| Total noninterest expense | $2,271,000 | 5,727 |
| Salaries and employee benefits | $1,149,000 | 5,436 |
| Premises and equipment expense | $275,000 | 6,263 |
| Additional noninterest expense | $847,000 | 5,642 |
| Pre-tax net operating income | $1,404,000 | 4,590 |
| Securities gains (losses) | $2,000 | 6,773 |
| Applicable income taxes | $304,000 | 6,031 |
| Income before extraordinary items | $1,102,000 | 4,318 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,102,000 | 4,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 6,663 |
| Cash dividends | $381,000 | 3,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,100,440 | 4,097 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,242,000 | 4,691 |
| Total interest expense | $3,917,000 | 4,151 |
| Net interest income | $3,325,000 | 5,251 |
| Provision for loan and lease losses | $90,000 | 7,540 |
| Total noninterest income | $346,000 | 7,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $258,000 | 5,008 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $88,000 | 8,520 |
| Total noninterest expense | $2,063,000 | 6,217 |
| Salaries and employee benefits | $1,078,000 | 5,665 |
| Premises and equipment expense | $228,000 | 7,203 |
| Additional noninterest expense | $757,000 | 6,372 |
| Pre-tax net operating income | $1,518,000 | 4,004 |
| Securities gains (losses) | $-62,000 | 13,708 |
| Applicable income taxes | $300,000 | 5,919 |
| Income before extraordinary items | $1,156,000 | 3,935 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,156,000 | 3,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 7,424 |
| Cash dividends | $380,000 | 3,450 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,204,980 | 3,513 |
* 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.