Home > Bank of Lincolnwood > Income and Expense
Bank of Lincolnwood, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,580,000 | 4,603 |
| Total interest expense | $1,071,000 | 2,900 |
| Net interest income | $509,000 | 6,362 |
| Provision for loan and lease losses | $9,952,000 | 257 |
| Total noninterest income | $-1,736,000 | 8,229 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $47,000 | 4,728 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-1,783,000 | 8,233 |
| Total noninterest expense | $2,018,000 | 2,408 |
| Salaries and employee benefits | $909,000 | 2,781 |
| Premises and equipment expense | $215,000 | 3,059 |
| Additional noninterest expense | $894,000 | 1,804 |
| Pre-tax net operating income | $-13,197,000 | 8,125 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-196,000 | 7,704 |
| Income before extraordinary items | $-13,001,000 | 8,135 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-13,001,000 | 8,135 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-13,001,000 | 8,135 |
| Net charge-offs | $6,208,000 | 273 |
| Cash dividends | $300,000 | 1,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-13,001,000 | 8,132 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $13,407,000 | 2,751 |
| Total interest expense | $4,970,000 | 2,977 |
| Net interest income | $8,437,000 | 2,574 |
| Provision for loan and lease losses | $3,479,000 | 1,268 |
| Total noninterest income | $1,156,000 | 3,115 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $222,000 | 4,594 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $934,000 | 2,229 |
| Total noninterest expense | $7,104,000 | 2,648 |
| Salaries and employee benefits | $3,782,000 | 2,645 |
| Premises and equipment expense | $847,000 | 3,035 |
| Additional noninterest expense | $2,475,000 | 2,366 |
| Pre-tax net operating income | $-990,000 | 7,015 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-15,000 | 6,820 |
| Income before extraordinary items | $-975,000 | 6,977 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-975,000 | 6,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 2,874 |
| Cash dividends | $2,060,000 | 1,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-975,000 | 7,100 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,092,000 | 2,795 |
| Total interest expense | $3,852,000 | 2,999 |
| Net interest income | $6,240,000 | 2,635 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $1,011,000 | 2,887 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $173,000 | 4,560 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $838,000 | 2,059 |
| Total noninterest expense | $5,321,000 | 2,642 |
| Salaries and employee benefits | $2,903,000 | 2,614 |
| Premises and equipment expense | $694,000 | 2,824 |
| Additional noninterest expense | $1,724,000 | 2,458 |
| Pre-tax net operating income | $1,930,000 | 2,370 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $22,000 | 4,556 |
| Income before extraordinary items | $1,908,000 | 1,857 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,908,000 | 1,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 2,060 |
| Cash dividends | $1,800,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,908,000 | 1,951 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,955,000 | 2,739 |
| Total interest expense | $2,669,000 | 3,013 |
| Net interest income | $4,286,000 | 2,553 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $891,000 | 2,432 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $114,000 | 4,589 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $777,000 | 1,661 |
| Total noninterest expense | $3,584,000 | 2,626 |
| Salaries and employee benefits | $1,997,000 | 2,570 |
| Premises and equipment expense | $471,000 | 2,783 |
| Additional noninterest expense | $1,116,000 | 2,493 |
| Pre-tax net operating income | $1,593,000 | 2,076 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $18,000 | 4,723 |
| Income before extraordinary items | $1,575,000 | 1,716 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,575,000 | 1,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $455,000 | 1,398 |
| Cash dividends | $1,800,000 | 850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,575,000 | 1,686 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,884,000 | 2,531 |
| Total interest expense | $1,342,000 | 3,170 |
| Net interest income | $2,542,000 | 2,177 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $119,000 | 5,106 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $54,000 | 4,649 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $65,000 | 4,545 |
| Total noninterest expense | $1,753,000 | 2,670 |
| Salaries and employee benefits | $1,078,000 | 2,412 |
| Premises and equipment expense | $237,000 | 2,776 |
| Additional noninterest expense | $438,000 | 3,043 |
| Pre-tax net operating income | $908,000 | 1,953 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $15,000 | 4,552 |
| Income before extraordinary items | $893,000 | 1,664 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $893,000 | 1,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,346 |
| Cash dividends | $900,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $893,000 | 1,605 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,039,000 | 2,287 |
| Total interest expense | $5,504,000 | 3,217 |
| Net interest income | $12,535,000 | 1,803 |
| Provision for loan and lease losses | $1,763,000 | 935 |
| Total noninterest income | $599,000 | 4,648 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $211,000 | 4,797 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $388,000 | 3,790 |
| Total noninterest expense | $7,050,000 | 2,574 |
| Salaries and employee benefits | $4,259,000 | 2,361 |
| Premises and equipment expense | $954,000 | 2,670 |
| Additional noninterest expense | $1,837,000 | 2,880 |
| Pre-tax net operating income | $4,321,000 | 1,861 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $79,000 | 4,642 |
| Income before extraordinary items | $4,242,000 | 1,500 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,242,000 | 1,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $720,000 | 1,307 |
| Cash dividends | $5,450,000 | 689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,242,000 | 1,486 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,003,000 | 2,211 |
| Total interest expense | $4,228,000 | 3,164 |
| Net interest income | $9,775,000 | 1,739 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $359,000 | 5,145 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $159,000 | 4,801 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $200,000 | 4,484 |
| Total noninterest expense | $5,336,000 | 2,537 |
| Salaries and employee benefits | $3,257,000 | 2,311 |
| Premises and equipment expense | $715,000 | 2,667 |
| Additional noninterest expense | $1,364,000 | 2,837 |
| Pre-tax net operating income | $4,753,000 | 1,424 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $69,000 | 4,732 |
| Income before extraordinary items | $4,684,000 | 1,122 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,684,000 | 1,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-101,000 | 8,381 |
| Cash dividends | $4,750,000 | 600 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,684,000 | 1,098 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,566,000 | 2,186 |
| Total interest expense | $2,929,000 | 3,063 |
| Net interest income | $6,637,000 | 1,728 |
| Provision for loan and lease losses | $45,000 | 4,495 |
| Total noninterest income | $225,000 | 5,329 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $102,000 | 4,904 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $123,000 | 4,702 |
| Total noninterest expense | $3,532,000 | 2,589 |
| Salaries and employee benefits | $2,165,000 | 2,357 |
| Premises and equipment expense | $453,000 | 2,798 |
| Additional noninterest expense | $914,000 | 2,840 |
| Pre-tax net operating income | $3,285,000 | 1,429 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $49,000 | 4,783 |
| Income before extraordinary items | $3,236,000 | 1,111 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,236,000 | 1,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-115,000 | 8,462 |
| Cash dividends | $3,200,000 | 611 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,236,000 | 1,090 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,752,000 | 2,191 |
| Total interest expense | $1,434,000 | 3,104 |
| Net interest income | $3,318,000 | 1,734 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $93,000 | 5,686 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $45,000 | 5,093 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $48,000 | 5,190 |
| Total noninterest expense | $1,780,000 | 2,566 |
| Salaries and employee benefits | $1,090,000 | 2,357 |
| Premises and equipment expense | $240,000 | 2,681 |
| Additional noninterest expense | $450,000 | 2,855 |
| Pre-tax net operating income | $1,586,000 | 1,468 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $25,000 | 4,759 |
| Income before extraordinary items | $1,561,000 | 1,131 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,561,000 | 1,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-115,000 | 8,525 |
| Cash dividends | $1,600,000 | 552 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,561,000 | 1,111 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,986,000 | 2,176 |
| Total interest expense | $4,524,000 | 3,281 |
| Net interest income | $13,462,000 | 1,705 |
| Provision for loan and lease losses | $310,000 | 2,704 |
| Total noninterest income | $677,000 | 4,439 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $191,000 | 5,080 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $486,000 | 3,383 |
| Total noninterest expense | $7,182,000 | 2,460 |
| Salaries and employee benefits | $4,298,000 | 2,274 |
| Premises and equipment expense | $1,009,000 | 2,453 |
| Additional noninterest expense | $1,875,000 | 2,717 |
| Pre-tax net operating income | $6,647,000 | 1,460 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $107,000 | 4,915 |
| Income before extraordinary items | $6,540,000 | 1,129 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,540,000 | 1,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,824 |
| Cash dividends | $6,470,000 | 561 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,540,000 | 1,118 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,823,000 | 2,268 |
| Total interest expense | $3,144,000 | 3,372 |
| Net interest income | $9,679,000 | 1,806 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $565,000 | 4,210 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $144,000 | 5,125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $421,000 | 3,132 |
| Total noninterest expense | $5,367,000 | 2,456 |
| Salaries and employee benefits | $3,217,000 | 2,282 |
| Premises and equipment expense | $781,000 | 2,386 |
| Additional noninterest expense | $1,369,000 | 2,767 |
| Pre-tax net operating income | $4,697,000 | 1,592 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $67,000 | 5,244 |
| Income before extraordinary items | $4,630,000 | 1,224 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,630,000 | 1,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 2,046 |
| Cash dividends | $4,620,000 | 558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,630,000 | 1,217 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,474,000 | 2,249 |
| Total interest expense | $2,025,000 | 3,339 |
| Net interest income | $6,449,000 | 1,805 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $358,000 | 4,295 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $95,000 | 5,130 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $263,000 | 3,241 |
| Total noninterest expense | $3,612,000 | 2,451 |
| Salaries and employee benefits | $2,176,000 | 2,260 |
| Premises and equipment expense | $538,000 | 2,305 |
| Additional noninterest expense | $898,000 | 2,818 |
| Pre-tax net operating income | $3,075,000 | 1,613 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $44,000 | 5,326 |
| Income before extraordinary items | $3,031,000 | 1,233 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,031,000 | 1,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 1,572 |
| Cash dividends | $3,025,000 | 570 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $3,031,000 | 1,217 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,015,000 | 2,319 |
| Total interest expense | $966,000 | 3,345 |
| Net interest income | $3,049,000 | 1,897 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $129,000 | 5,033 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $46,000 | 5,116 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $83,000 | 4,074 |
| Total noninterest expense | $1,768,000 | 2,508 |
| Salaries and employee benefits | $1,054,000 | 2,340 |
| Premises and equipment expense | $277,000 | 2,256 |
| Additional noninterest expense | $437,000 | 2,880 |
| Pre-tax net operating income | $1,350,000 | 1,793 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $20,000 | 5,352 |
| Income before extraordinary items | $1,330,000 | 1,385 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,330,000 | 1,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $1,300,000 | 606 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,330,000 | 1,360 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,754,000 | 2,402 |
| Total interest expense | $2,125,000 | 4,255 |
| Net interest income | $11,629,000 | 1,899 |
| Provision for loan and lease losses | $390,000 | 2,314 |
| Total noninterest income | $825,000 | 3,983 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $238,000 | 4,675 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $587,000 | 3,094 |
| Total noninterest expense | $6,923,000 | 2,413 |
| Salaries and employee benefits | $4,168,000 | 2,200 |
| Premises and equipment expense | $1,122,000 | 2,140 |
| Additional noninterest expense | $1,633,000 | 3,031 |
| Pre-tax net operating income | $5,141,000 | 1,819 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $82,000 | 5,529 |
| Income before extraordinary items | $5,059,000 | 1,400 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,059,000 | 1,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,675 |
| Cash dividends | $5,050,000 | 649 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,059,000 | 1,386 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,971,000 | 2,427 |
| Total interest expense | $1,451,000 | 4,390 |
| Net interest income | $8,520,000 | 1,935 |
| Provision for loan and lease losses | $330,000 | 2,034 |
| Total noninterest income | $755,000 | 3,552 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $183,000 | 4,649 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $572,000 | 2,627 |
| Total noninterest expense | $5,224,000 | 2,373 |
| Salaries and employee benefits | $3,134,000 | 2,173 |
| Premises and equipment expense | $845,000 | 2,113 |
| Additional noninterest expense | $1,245,000 | 2,947 |
| Pre-tax net operating income | $3,721,000 | 1,879 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $60,000 | 5,664 |
| Income before extraordinary items | $3,661,000 | 1,457 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,661,000 | 1,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $3,650,000 | 617 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,661,000 | 1,431 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,548,000 | 2,399 |
| Total interest expense | $895,000 | 4,457 |
| Net interest income | $5,653,000 | 1,912 |
| Provision for loan and lease losses | $270,000 | 1,671 |
| Total noninterest income | $390,000 | 4,114 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $124,000 | 4,588 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $266,000 | 3,275 |
| Total noninterest expense | $3,488,000 | 2,362 |
| Salaries and employee benefits | $2,083,000 | 2,172 |
| Premises and equipment expense | $560,000 | 2,112 |
| Additional noninterest expense | $845,000 | 2,868 |
| Pre-tax net operating income | $2,285,000 | 1,971 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $37,000 | 5,738 |
| Income before extraordinary items | $2,248,000 | 1,536 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,248,000 | 1,535 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,257 |
| Cash dividends | $2,000,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,248,000 | 1,511 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,214,000 | 2,398 |
| Total interest expense | $415,000 | 4,566 |
| Net interest income | $2,799,000 | 1,921 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $-45,000 | 8,921 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $62,000 | 4,532 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $-107,000 | 8,934 |
| Total noninterest expense | $1,731,000 | 2,379 |
| Salaries and employee benefits | $1,037,000 | 2,187 |
| Premises and equipment expense | $281,000 | 2,133 |
| Additional noninterest expense | $413,000 | 2,939 |
| Pre-tax net operating income | $963,000 | 2,228 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $15,000 | 5,858 |
| Income before extraordinary items | $948,000 | 1,781 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $948,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,061 |
| Cash dividends | $1,400,000 | 493 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $948,000 | 1,742 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,461,000 | 2,507 |
| Total interest expense | $1,333,000 | 4,826 |
| Net interest income | $10,128,000 | 2,003 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $744,000 | 4,247 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $310,000 | 4,248 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $434,000 | 3,565 |
| Total noninterest expense | $6,741,000 | 2,374 |
| Salaries and employee benefits | $4,115,000 | 2,113 |
| Premises and equipment expense | $1,103,000 | 2,080 |
| Additional noninterest expense | $1,523,000 | 3,090 |
| Pre-tax net operating income | $4,131,000 | 2,005 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $76,000 | 5,762 |
| Income before extraordinary items | $4,055,000 | 1,595 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $4,055,000 | 1,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $4,050,000 | 748 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $4,055,000 | 1,551 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,295,000 | 2,545 |
| Total interest expense | $969,000 | 4,868 |
| Net interest income | $7,326,000 | 2,062 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $601,000 | 4,081 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $247,000 | 4,129 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $354,000 | 3,419 |
| Total noninterest expense | $5,022,000 | 2,370 |
| Salaries and employee benefits | $3,036,000 | 2,145 |
| Premises and equipment expense | $813,000 | 2,110 |
| Additional noninterest expense | $1,173,000 | 2,996 |
| Pre-tax net operating income | $2,905,000 | 2,123 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $54,000 | 5,904 |
| Income before extraordinary items | $2,851,000 | 1,703 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,851,000 | 1,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $2,950,000 | 715 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,851,000 | 1,658 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,509,000 | 2,536 |
| Total interest expense | $645,000 | 4,887 |
| Net interest income | $4,864,000 | 2,056 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $369,000 | 4,296 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $172,000 | 4,025 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $197,000 | 3,766 |
| Total noninterest expense | $3,340,000 | 2,380 |
| Salaries and employee benefits | $2,020,000 | 2,157 |
| Premises and equipment expense | $542,000 | 2,108 |
| Additional noninterest expense | $778,000 | 3,012 |
| Pre-tax net operating income | $1,893,000 | 2,141 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $35,000 | 5,928 |
| Income before extraordinary items | $1,858,000 | 1,716 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,858,000 | 1,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $2,200,000 | 639 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,858,000 | 1,663 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,722,000 | 2,563 |
| Total interest expense | $331,000 | 4,873 |
| Net interest income | $2,391,000 | 2,107 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $172,000 | 4,435 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $83,000 | 4,031 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $1,663,000 | 2,402 |
| Salaries and employee benefits | $1,009,000 | 2,176 |
| Premises and equipment expense | $277,000 | 2,092 |
| Additional noninterest expense | $377,000 | 3,070 |
| Pre-tax net operating income | $900,000 | 2,195 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $17,000 | 5,912 |
| Income before extraordinary items | $883,000 | 1,770 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $883,000 | 1,770 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $1,100,000 | 610 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $883,000 | 1,689 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,191,000 | 2,547 |
| Total interest expense | $1,757,000 | 4,420 |
| Net interest income | $9,434,000 | 2,073 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $840,000 | 4,112 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $378,000 | 3,771 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $462,000 | 3,717 |
| Total noninterest expense | $6,437,000 | 2,442 |
| Salaries and employee benefits | $3,952,000 | 2,151 |
| Premises and equipment expense | $1,055,000 | 2,154 |
| Additional noninterest expense | $1,430,000 | 3,223 |
| Pre-tax net operating income | $3,837,000 | 2,035 |
| Securities gains (losses) | $11,000 | 3,560 |
| Applicable income taxes | $209,000 | 4,862 |
| Income before extraordinary items | $3,639,000 | 1,709 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,639,000 | 1,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,883 |
| Cash dividends | $3,625,000 | 846 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,628,550 | 1,627 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,527,000 | 2,547 |
| Total interest expense | $1,406,000 | 4,343 |
| Net interest income | $7,121,000 | 2,070 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $612,000 | 4,237 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $289,000 | 3,737 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $323,000 | 3,918 |
| Total noninterest expense | $4,850,000 | 2,438 |
| Salaries and employee benefits | $2,985,000 | 2,146 |
| Premises and equipment expense | $788,000 | 2,177 |
| Additional noninterest expense | $1,077,000 | 3,189 |
| Pre-tax net operating income | $2,883,000 | 2,106 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $142,000 | 5,181 |
| Income before extraordinary items | $2,752,000 | 1,749 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,752,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $3,125,000 | 711 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,741,550 | 1,660 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,884,000 | 2,478 |
| Total interest expense | $1,013,000 | 4,209 |
| Net interest income | $4,871,000 | 2,006 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $400,000 | 4,242 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $183,000 | 3,824 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $217,000 | 3,890 |
| Total noninterest expense | $3,229,000 | 2,427 |
| Salaries and employee benefits | $1,976,000 | 2,149 |
| Premises and equipment expense | $516,000 | 2,191 |
| Additional noninterest expense | $737,000 | 3,096 |
| Pre-tax net operating income | $2,042,000 | 1,994 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $65,000 | 5,639 |
| Income before extraordinary items | $1,988,000 | 1,631 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,988,000 | 1,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $2,350,000 | 643 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,977,330 | 1,528 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,172,000 | 2,329 |
| Total interest expense | $542,000 | 4,097 |
| Net interest income | $2,630,000 | 1,854 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $202,000 | 4,139 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $76,000 | 4,196 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $126,000 | 3,520 |
| Total noninterest expense | $1,609,000 | 2,416 |
| Salaries and employee benefits | $988,000 | 2,133 |
| Premises and equipment expense | $254,000 | 2,222 |
| Additional noninterest expense | $367,000 | 3,068 |
| Pre-tax net operating income | $1,223,000 | 1,715 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $14,000 | 6,371 |
| Income before extraordinary items | $1,209,000 | 1,368 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,209,000 | 1,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $1,250,000 | 562 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,209,000 | 1,280 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,187,000 | 2,528 |
| Total interest expense | $3,090,000 | 3,464 |
| Net interest income | $9,097,000 | 2,134 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $942,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $285,000 | 4,343 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $657,000 | 2,815 |
| Total noninterest expense | $6,185,000 | 2,393 |
| Salaries and employee benefits | $3,800,000 | 2,097 |
| Premises and equipment expense | $976,000 | 2,232 |
| Additional noninterest expense | $1,409,000 | 3,112 |
| Pre-tax net operating income | $3,854,000 | 2,045 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $152,000 | 5,507 |
| Income before extraordinary items | $3,702,000 | 1,618 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,702,000 | 1,618 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-196,000 | 9,289 |
| Cash dividends | $3,700,000 | 790 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,702,000 | 1,569 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,208,000 | 2,241 |
| Total interest expense | $5,786,000 | 2,761 |
| Net interest income | $9,422,000 | 1,890 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $668,000 | 4,302 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $197,000 | 5,199 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $471,000 | 3,232 |
| Total noninterest expense | $5,921,000 | 2,405 |
| Salaries and employee benefits | $3,577,000 | 2,113 |
| Premises and equipment expense | $1,040,000 | 2,045 |
| Additional noninterest expense | $1,304,000 | 3,245 |
| Pre-tax net operating income | $4,169,000 | 1,701 |
| Securities gains (losses) | $193,000 | 1,218 |
| Applicable income taxes | $172,000 | 5,260 |
| Income before extraordinary items | $4,190,000 | 1,301 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,190,000 | 1,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $4,175,000 | 710 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,004,720 | 1,305 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,769,000 | 2,102 |
| Total interest expense | $6,794,000 | 2,476 |
| Net interest income | $9,975,000 | 1,761 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $704,000 | 3,982 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $220,000 | 4,867 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $484,000 | 3,001 |
| Total noninterest expense | $6,090,000 | 2,251 |
| Salaries and employee benefits | $3,475,000 | 2,047 |
| Premises and equipment expense | $1,042,000 | 1,989 |
| Additional noninterest expense | $1,573,000 | 2,690 |
| Pre-tax net operating income | $4,239,000 | 1,729 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $125,000 | 6,224 |
| Income before extraordinary items | $4,114,000 | 1,272 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,114,000 | 1,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,120 |
| Cash dividends | $3,700,000 | 807 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,114,000 | 1,267 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $15,746,000 | 2,068 |
| Total interest expense | $6,050,000 | 2,435 |
| Net interest income | $9,696,000 | 1,798 |
| Provision for loan and lease losses | $700,000 | 1,317 |
| Total noninterest income | $549,000 | 4,689 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $275,000 | 4,242 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $274,000 | 4,224 |
| Total noninterest expense | $5,762,000 | 2,356 |
| Salaries and employee benefits | $3,368,000 | 2,082 |
| Premises and equipment expense | $1,036,000 | 1,979 |
| Additional noninterest expense | $1,358,000 | 3,110 |
| Pre-tax net operating income | $3,783,000 | 1,945 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $114,000 | 6,736 |
| Income before extraordinary items | $3,669,000 | 1,470 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,669,000 | 1,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,039,000 | 693 |
| Cash dividends | $4,060,000 | 765 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,669,000 | 1,445 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $16,802,000 | 1,927 |
| Total interest expense | $6,770,000 | 2,241 |
| Net interest income | $10,032,000 | 1,707 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $603,000 | 4,376 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $303,000 | 3,921 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $300,000 | 4,027 |
| Total noninterest expense | $5,621,000 | 2,333 |
| Salaries and employee benefits | $3,361,000 | 1,989 |
| Premises and equipment expense | $985,000 | 1,990 |
| Additional noninterest expense | $1,275,000 | 3,199 |
| Pre-tax net operating income | $5,014,000 | 1,471 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $48,000 | 8,366 |
| Income before extraordinary items | $4,966,000 | 1,082 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,966,000 | 1,082 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,413 |
| Cash dividends | $4,950,000 | 649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,966,000 | 1,042 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,460,000 | 1,986 |
| Total interest expense | $6,971,000 | 2,160 |
| Net interest income | $9,489,000 | 1,837 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $535,000 | 4,775 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $279,000 | 4,299 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $256,000 | 4,304 |
| Total noninterest expense | $5,628,000 | 2,288 |
| Salaries and employee benefits | $3,371,000 | 1,949 |
| Premises and equipment expense | $995,000 | 1,980 |
| Additional noninterest expense | $1,262,000 | 3,205 |
| Pre-tax net operating income | $4,396,000 | 1,737 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $-114,000 | 10,719 |
| Income before extraordinary items | $4,523,000 | 1,211 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,523,000 | 1,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 10,017 |
| Cash dividends | $4,500,000 | 683 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,510,000 | 1,191 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,349,000 | 2,067 |
| Total interest expense | $6,914,000 | 2,237 |
| Net interest income | $9,435,000 | 1,891 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $544,000 | 4,876 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $299,000 | 4,238 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $245,000 | 4,593 |
| Total noninterest expense | $5,581,000 | 2,460 |
| Salaries and employee benefits | $3,384,000 | 1,946 |
| Premises and equipment expense | $971,000 | 2,070 |
| Additional noninterest expense | $1,226,000 | 3,715 |
| Pre-tax net operating income | $4,398,000 | 1,645 |
| Securities gains (losses) | $-73,000 | 11,135 |
| Applicable income taxes | $1,483,000 | 1,620 |
| Income before extraordinary items | $2,842,000 | 1,742 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,842,000 | 1,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,393 |
| Cash dividends | $2,810,000 | 1,007 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,890,180 | 1,688 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $16,683,000 | 2,019 |
| Total interest expense | $6,610,000 | 2,348 |
| Net interest income | $10,073,000 | 1,773 |
| Provision for loan and lease losses | $1,000 | 8,909 |
| Total noninterest income | $650,000 | 4,322 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $362,000 | 3,661 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $288,000 | 4,102 |
| Total noninterest expense | $5,761,000 | 2,364 |
| Salaries and employee benefits | $3,375,000 | 1,965 |
| Premises and equipment expense | $942,000 | 2,134 |
| Additional noninterest expense | $1,444,000 | 3,190 |
| Pre-tax net operating income | $4,961,000 | 1,522 |
| Securities gains (losses) | $-179,000 | 11,654 |
| Applicable income taxes | $1,550,000 | 1,601 |
| Income before extraordinary items | $3,232,000 | 1,581 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,232,000 | 1,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,876 |
| Cash dividends | $3,200,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,353,720 | 1,501 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,306,000 | 2,142 |
| Total interest expense | $4,826,000 | 2,547 |
| Net interest income | $9,480,000 | 1,905 |
| Provision for loan and lease losses | $5,000 | 8,812 |
| Total noninterest income | $989,000 | 3,141 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $447,000 | 3,066 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $542,000 | 2,803 |
| Total noninterest expense | $5,933,000 | 2,371 |
| Salaries and employee benefits | $3,287,000 | 2,018 |
| Premises and equipment expense | $894,000 | 2,257 |
| Additional noninterest expense | $1,752,000 | 2,895 |
| Pre-tax net operating income | $4,531,000 | 1,585 |
| Securities gains (losses) | $-192,000 | 11,926 |
| Applicable income taxes | $1,419,000 | 1,633 |
| Income before extraordinary items | $2,920,000 | 1,679 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,920,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 11,219 |
| Cash dividends | $2,900,000 | 843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,048,640 | 1,613 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $14,162,000 | 2,195 |
| Total interest expense | $5,104,000 | 2,529 |
| Net interest income | $9,058,000 | 1,995 |
| Provision for loan and lease losses | $139,000 | 4,861 |
| Total noninterest income | $933,000 | 3,527 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $545,000 | 2,550 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $388,000 | 3,826 |
| Total noninterest expense | $5,976,000 | 2,402 |
| Salaries and employee benefits | $3,080,000 | 2,152 |
| Premises and equipment expense | $964,000 | 2,131 |
| Additional noninterest expense | $1,932,000 | 2,812 |
| Pre-tax net operating income | $3,876,000 | 1,776 |
| Securities gains (losses) | $229,000 | 1,535 |
| Applicable income taxes | $1,357,000 | 1,717 |
| Income before extraordinary items | $2,748,000 | 1,812 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,748,000 | 1,881 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 4,326 |
| Cash dividends | $2,225,000 | 924 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,594,570 | 1,817 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,301,000 | 2,170 |
| Total interest expense | $6,918,000 | 2,432 |
| Net interest income | $9,383,000 | 1,944 |
| Provision for loan and lease losses | $1,473,000 | 1,422 |
| Total noninterest income | $928,000 | 3,530 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $530,000 | 2,603 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $398,000 | 3,720 |
| Total noninterest expense | $6,177,000 | 2,353 |
| Salaries and employee benefits | $3,226,000 | 2,035 |
| Premises and equipment expense | $911,000 | 2,284 |
| Additional noninterest expense | $2,040,000 | 2,754 |
| Pre-tax net operating income | $2,661,000 | 2,320 |
| Securities gains (losses) | $2,417,000 | 354 |
| Applicable income taxes | $1,483,000 | 1,467 |
| Income before extraordinary items | $3,595,000 | 1,295 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,595,000 | 1,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $925,000 | 1,634 |
| Cash dividends | $3,450,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,878,930 | 2,263 |
* 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.