Home > Bank of the Lakes > Income and Expense
Bank of the Lakes, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $7,058,000 | 3,232 |
| Total interest expense | $1,355,000 | 2,356 |
| Net interest income | $5,703,000 | 3,375 |
| Provision for loan and lease losses | $2,337,000 | 549 |
| Total noninterest income | $868,000 | 3,476 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $737,000 | 1,757 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $131,000 | 5,104 |
| Total noninterest expense | $7,064,000 | 2,612 |
| Salaries and employee benefits | $2,771,000 | 3,286 |
| Premises and equipment expense | $570,000 | 3,433 |
| Additional noninterest expense | $3,723,000 | 1,712 |
| Pre-tax net operating income | $-2,830,000 | 6,711 |
| Securities gains (losses) | $86,000 | 1,434 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $-2,744,000 | 6,710 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,744,000 | 6,710 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $-2,744,000 | 6,710 |
| Net charge-offs | $2,235,000 | 686 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 140 |
| Net operating income | $-2,830,000 | 6,708 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $5,450,000 | 3,189 |
| Total interest expense | $1,069,000 | 2,311 |
| Net interest income | $4,381,000 | 3,362 |
| Provision for loan and lease losses | $2,337,000 | 424 |
| Total noninterest income | $963,000 | 2,875 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $538,000 | 1,802 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $425,000 | 3,262 |
| Total noninterest expense | $5,023,000 | 2,732 |
| Salaries and employee benefits | $1,883,000 | 3,552 |
| Premises and equipment expense | $424,000 | 3,483 |
| Additional noninterest expense | $2,716,000 | 1,743 |
| Pre-tax net operating income | $-2,016,000 | 6,792 |
| Securities gains (losses) | $81,000 | 1,359 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $-1,935,000 | 6,793 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $-1,935,000 | 6,794 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-1,935,000 | 6,794 |
| Net charge-offs | $2,269,000 | 547 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 105 |
| Net operating income | $-2,016,000 | 6,792 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,742,000 | 3,128 |
| Total interest expense | $757,000 | 2,251 |
| Net interest income | $2,985,000 | 3,298 |
| Provision for loan and lease losses | $2,337,000 | 317 |
| Total noninterest income | $623,000 | 2,948 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $346,000 | 1,828 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $277,000 | 3,321 |
| Total noninterest expense | $3,413,000 | 2,694 |
| Salaries and employee benefits | $1,279,000 | 3,512 |
| Premises and equipment expense | $262,000 | 3,679 |
| Additional noninterest expense | $1,872,000 | 1,695 |
| Pre-tax net operating income | $-2,142,000 | 6,876 |
| Securities gains (losses) | $81,000 | 1,242 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-2,061,000 | 6,878 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-2,061,000 | 6,879 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-2,061,000 | 6,879 |
| Net charge-offs | $2,194,000 | 414 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $2,500,000 | 72 |
| Net operating income | $-2,142,000 | 6,875 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,880,000 | 3,136 |
| Total interest expense | $411,000 | 2,142 |
| Net interest income | $1,469,000 | 3,351 |
| Provision for loan and lease losses | $1,462,000 | 281 |
| Total noninterest income | $340,000 | 2,826 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $175,000 | 1,807 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $165,000 | 3,043 |
| Total noninterest expense | $2,069,000 | 2,296 |
| Salaries and employee benefits | $657,000 | 3,486 |
| Premises and equipment expense | $216,000 | 2,612 |
| Additional noninterest expense | $1,196,000 | 1,365 |
| Pre-tax net operating income | $-1,722,000 | 6,969 |
| Securities gains (losses) | $65,000 | 814 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-1,657,000 | 6,973 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-1,657,000 | 6,974 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-1,657,000 | 6,974 |
| Net charge-offs | $1,167,000 | 416 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-1,722,000 | 6,967 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $8,276,000 | 3,017 |
| Total interest expense | $1,876,000 | 2,249 |
| Net interest income | $6,400,000 | 3,215 |
| Provision for loan and lease losses | $4,250,000 | 583 |
| Total noninterest income | $1,396,000 | 2,723 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $798,000 | 1,695 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $598,000 | 3,100 |
| Total noninterest expense | $7,838,000 | 2,422 |
| Salaries and employee benefits | $2,696,000 | 3,369 |
| Premises and equipment expense | $850,000 | 2,604 |
| Additional noninterest expense | $4,292,000 | 1,571 |
| Pre-tax net operating income | $-4,292,000 | 6,942 |
| Securities gains (losses) | $169,000 | 1,838 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $-4,123,000 | 6,939 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-4,123,000 | 6,938 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $-4,123,000 | 6,938 |
| Net charge-offs | $3,676,000 | 733 |
| Cash dividends | $328,000 | 3,208 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $-4,292,000 | 6,938 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $6,251,000 | 3,063 |
| Total interest expense | $1,442,000 | 2,286 |
| Net interest income | $4,809,000 | 3,250 |
| Provision for loan and lease losses | $2,138,000 | 801 |
| Total noninterest income | $1,192,000 | 2,522 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $601,000 | 1,711 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $591,000 | 2,698 |
| Total noninterest expense | $6,189,000 | 2,303 |
| Salaries and employee benefits | $2,019,000 | 3,401 |
| Premises and equipment expense | $615,000 | 2,726 |
| Additional noninterest expense | $3,555,000 | 1,430 |
| Pre-tax net operating income | $-2,326,000 | 6,996 |
| Securities gains (losses) | $48,000 | 2,464 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $-2,278,000 | 7,013 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $-2,278,000 | 7,010 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-2,278,000 | 7,012 |
| Net charge-offs | $2,030,000 | 920 |
| Cash dividends | $328,000 | 2,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $-2,326,000 | 7,002 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,177,000 | 3,083 |
| Total interest expense | $995,000 | 2,292 |
| Net interest income | $3,182,000 | 3,275 |
| Provision for loan and lease losses | $490,000 | 1,843 |
| Total noninterest income | $785,000 | 2,510 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $397,000 | 1,712 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $388,000 | 2,685 |
| Total noninterest expense | $3,969,000 | 2,381 |
| Salaries and employee benefits | $1,351,000 | 3,408 |
| Premises and equipment expense | $426,000 | 2,638 |
| Additional noninterest expense | $2,192,000 | 1,550 |
| Pre-tax net operating income | $-492,000 | 6,814 |
| Securities gains (losses) | $48,000 | 2,076 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $-444,000 | 6,848 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-444,000 | 6,849 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $-444,000 | 6,849 |
| Net charge-offs | $176,000 | 2,888 |
| Cash dividends | $328,000 | 2,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $-492,000 | 6,826 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,067,000 | 3,128 |
| Total interest expense | $518,000 | 2,300 |
| Net interest income | $1,549,000 | 3,370 |
| Provision for loan and lease losses | $280,000 | 1,661 |
| Total noninterest income | $394,000 | 2,501 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $198,000 | 1,711 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $196,000 | 2,697 |
| Total noninterest expense | $1,501,000 | 3,055 |
| Salaries and employee benefits | $699,000 | 3,348 |
| Premises and equipment expense | $221,000 | 2,575 |
| Additional noninterest expense | $581,000 | 2,725 |
| Pre-tax net operating income | $162,000 | 4,821 |
| Securities gains (losses) | $48,000 | 1,245 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $210,000 | 4,291 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $210,000 | 4,293 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $210,000 | 4,294 |
| Net charge-offs | $0 | 4,730 |
| Cash dividends | $71,000 | 2,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $162,000 | 4,586 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $8,302,000 | 3,223 |
| Total interest expense | $2,058,000 | 2,720 |
| Net interest income | $6,244,000 | 3,363 |
| Provision for loan and lease losses | $820,000 | 2,707 |
| Total noninterest income | $2,001,000 | 2,003 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $791,000 | 1,800 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,210,000 | 1,893 |
| Total noninterest expense | $7,004,000 | 2,671 |
| Salaries and employee benefits | $2,652,000 | 3,402 |
| Premises and equipment expense | $870,000 | 2,718 |
| Additional noninterest expense | $3,482,000 | 1,930 |
| Pre-tax net operating income | $421,000 | 4,918 |
| Securities gains (losses) | $149,000 | 1,717 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $570,000 | 4,478 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $570,000 | 4,480 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $570,000 | 4,480 |
| Net charge-offs | $680,000 | 2,815 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $421,000 | 4,750 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $6,180,000 | 3,284 |
| Total interest expense | $1,543,000 | 2,815 |
| Net interest income | $4,637,000 | 3,400 |
| Provision for loan and lease losses | $540,000 | 2,764 |
| Total noninterest income | $1,226,000 | 2,294 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $586,000 | 1,818 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $640,000 | 2,337 |
| Total noninterest expense | $4,747,000 | 2,927 |
| Salaries and employee benefits | $2,005,000 | 3,390 |
| Premises and equipment expense | $658,000 | 2,726 |
| Additional noninterest expense | $2,084,000 | 2,371 |
| Pre-tax net operating income | $576,000 | 4,284 |
| Securities gains (losses) | $149,000 | 1,435 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $725,000 | 3,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $725,000 | 3,697 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $725,000 | 3,696 |
| Net charge-offs | $518,000 | 2,629 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $576,000 | 3,981 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $4,039,000 | 3,364 |
| Total interest expense | $1,023,000 | 2,907 |
| Net interest income | $3,016,000 | 3,461 |
| Provision for loan and lease losses | $360,000 | 2,724 |
| Total noninterest income | $769,000 | 2,377 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $392,000 | 1,797 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $377,000 | 2,522 |
| Total noninterest expense | $3,031,000 | 3,073 |
| Salaries and employee benefits | $1,334,000 | 3,410 |
| Premises and equipment expense | $433,000 | 2,765 |
| Additional noninterest expense | $1,264,000 | 2,618 |
| Pre-tax net operating income | $394,000 | 4,227 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $394,000 | 4,003 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $394,000 | 4,004 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $394,000 | 4,005 |
| Net charge-offs | $199,000 | 3,125 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $394,000 | 3,907 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,147,000 | 3,224 |
| Total interest expense | $510,000 | 2,989 |
| Net interest income | $1,637,000 | 3,256 |
| Provision for loan and lease losses | $180,000 | 2,550 |
| Total noninterest income | $371,000 | 2,467 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $194,000 | 1,783 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $177,000 | 2,640 |
| Total noninterest expense | $1,480,000 | 3,135 |
| Salaries and employee benefits | $677,000 | 3,403 |
| Premises and equipment expense | $224,000 | 2,723 |
| Additional noninterest expense | $579,000 | 2,794 |
| Pre-tax net operating income | $348,000 | 3,260 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $348,000 | 2,943 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $348,000 | 2,942 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $348,000 | 2,943 |
| Net charge-offs | $20,000 | 4,032 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $348,000 | 2,888 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,410,000 | 3,417 |
| Total interest expense | $2,512,000 | 2,979 |
| Net interest income | $5,898,000 | 3,513 |
| Provision for loan and lease losses | $966,000 | 3,116 |
| Total noninterest income | $1,203,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $940,000 | 1,585 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $263,000 | 4,170 |
| Total noninterest expense | $5,712,000 | 3,232 |
| Salaries and employee benefits | $2,542,000 | 3,539 |
| Premises and equipment expense | $828,000 | 2,912 |
| Additional noninterest expense | $2,342,000 | 2,828 |
| Pre-tax net operating income | $423,000 | 4,561 |
| Securities gains (losses) | $26,000 | 2,991 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $449,000 | 4,467 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $449,000 | 4,467 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $449,000 | 4,467 |
| Net charge-offs | $1,197,000 | 2,441 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $423,000 | 4,404 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,294,000 | 3,495 |
| Total interest expense | $1,942,000 | 3,029 |
| Net interest income | $4,352,000 | 3,597 |
| Provision for loan and lease losses | $786,000 | 2,876 |
| Total noninterest income | $910,000 | 2,910 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $728,000 | 1,590 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $182,000 | 4,333 |
| Total noninterest expense | $4,249,000 | 3,263 |
| Salaries and employee benefits | $1,877,000 | 3,622 |
| Premises and equipment expense | $611,000 | 2,990 |
| Additional noninterest expense | $1,761,000 | 2,766 |
| Pre-tax net operating income | $227,000 | 5,148 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $227,000 | 5,183 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $227,000 | 5,185 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $227,000 | 5,186 |
| Net charge-offs | $991,000 | 2,202 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $227,000 | 5,021 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,214,000 | 3,515 |
| Total interest expense | $1,328,000 | 3,073 |
| Net interest income | $2,886,000 | 3,619 |
| Provision for loan and lease losses | $360,000 | 3,339 |
| Total noninterest income | $598,000 | 2,874 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $496,000 | 1,578 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $102,000 | 4,616 |
| Total noninterest expense | $2,797,000 | 3,295 |
| Salaries and employee benefits | $1,241,000 | 3,662 |
| Premises and equipment expense | $396,000 | 3,079 |
| Additional noninterest expense | $1,160,000 | 2,791 |
| Pre-tax net operating income | $327,000 | 4,287 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $327,000 | 4,152 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $327,000 | 4,152 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $327,000 | 4,151 |
| Net charge-offs | $259,000 | 3,228 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $327,000 | 4,016 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,148,000 | 3,521 |
| Total interest expense | $701,000 | 3,063 |
| Net interest income | $1,447,000 | 3,654 |
| Provision for loan and lease losses | $180,000 | 3,129 |
| Total noninterest income | $388,000 | 2,423 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $244,000 | 1,599 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $144,000 | 2,911 |
| Total noninterest expense | $1,419,000 | 3,287 |
| Salaries and employee benefits | $637,000 | 3,641 |
| Premises and equipment expense | $194,000 | 3,200 |
| Additional noninterest expense | $588,000 | 2,749 |
| Pre-tax net operating income | $236,000 | 3,781 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $236,000 | 3,593 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $236,000 | 3,589 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $236,000 | 3,592 |
| Net charge-offs | $192,000 | 2,479 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $236,000 | 3,467 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $9,536,000 | 3,346 |
| Total interest expense | $3,593,000 | 2,983 |
| Net interest income | $5,943,000 | 3,498 |
| Provision for loan and lease losses | $3,260,000 | 1,869 |
| Total noninterest income | $1,398,000 | 2,687 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,057,000 | 1,596 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $341,000 | 3,785 |
| Total noninterest expense | $5,676,000 | 3,320 |
| Salaries and employee benefits | $2,716,000 | 3,456 |
| Premises and equipment expense | $691,000 | 3,495 |
| Additional noninterest expense | $2,269,000 | 2,997 |
| Pre-tax net operating income | $-1,595,000 | 6,479 |
| Securities gains (losses) | $266,000 | 1,331 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-1,329,000 | 6,509 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,329,000 | 6,509 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,329,000 | 6,509 |
| Net charge-offs | $2,461,000 | 1,810 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $2,700,000 | 290 |
| Net operating income | $-1,595,000 | 6,598 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,338,000 | 3,337 |
| Total interest expense | $2,798,000 | 3,017 |
| Net interest income | $4,540,000 | 3,442 |
| Provision for loan and lease losses | $2,965,000 | 1,492 |
| Total noninterest income | $986,000 | 2,841 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $777,000 | 1,632 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $209,000 | 4,216 |
| Total noninterest expense | $4,156,000 | 3,401 |
| Salaries and employee benefits | $2,085,000 | 3,424 |
| Premises and equipment expense | $513,000 | 3,552 |
| Additional noninterest expense | $1,558,000 | 3,188 |
| Pre-tax net operating income | $-1,595,000 | 6,905 |
| Securities gains (losses) | $261,000 | 1,111 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-1,334,000 | 6,924 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,334,000 | 6,926 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,334,000 | 6,926 |
| Net charge-offs | $2,093,000 | 1,467 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,595,000 | 7,020 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,840,000 | 3,388 |
| Total interest expense | $1,919,000 | 3,063 |
| Net interest income | $2,921,000 | 3,530 |
| Provision for loan and lease losses | $1,139,000 | 1,924 |
| Total noninterest income | $738,000 | 2,657 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $487,000 | 1,713 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $251,000 | 3,297 |
| Total noninterest expense | $2,680,000 | 3,525 |
| Salaries and employee benefits | $1,408,000 | 3,423 |
| Premises and equipment expense | $331,000 | 3,660 |
| Additional noninterest expense | $941,000 | 3,431 |
| Pre-tax net operating income | $-160,000 | 6,201 |
| Securities gains (losses) | $229,000 | 935 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $69,000 | 5,443 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $69,000 | 5,439 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $69,000 | 5,439 |
| Net charge-offs | $229,000 | 3,273 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-160,000 | 6,277 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,423,000 | 3,421 |
| Total interest expense | $997,000 | 3,054 |
| Net interest income | $1,426,000 | 3,595 |
| Provision for loan and lease losses | $260,000 | 2,515 |
| Total noninterest income | $346,000 | 2,751 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $221,000 | 1,808 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $125,000 | 3,277 |
| Total noninterest expense | $1,403,000 | 3,317 |
| Salaries and employee benefits | $736,000 | 3,326 |
| Premises and equipment expense | $163,000 | 3,735 |
| Additional noninterest expense | $504,000 | 2,991 |
| Pre-tax net operating income | $109,000 | 4,934 |
| Securities gains (losses) | $159,000 | 766 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $268,000 | 3,322 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $268,000 | 3,322 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $268,000 | 3,323 |
| Net charge-offs | $258,000 | 1,921 |
| Cash dividends | $58,000 | 2,593 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $109,000 | 4,660 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $11,816,000 | 3,085 |
| Total interest expense | $5,603,000 | 2,674 |
| Net interest income | $6,213,000 | 3,377 |
| Provision for loan and lease losses | $1,207,000 | 2,448 |
| Total noninterest income | $1,286,000 | 2,911 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $897,000 | 1,924 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $389,000 | 3,638 |
| Total noninterest expense | $5,303,000 | 3,408 |
| Salaries and employee benefits | $2,800,000 | 3,445 |
| Premises and equipment expense | $696,000 | 3,533 |
| Additional noninterest expense | $1,807,000 | 3,132 |
| Pre-tax net operating income | $989,000 | 3,778 |
| Securities gains (losses) | $26,000 | 2,023 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $1,015,000 | 3,256 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,015,000 | 3,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 2,821 |
| Cash dividends | $696,000 | 2,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $989,000 | 3,458 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,236,000 | 3,031 |
| Total interest expense | $4,407,000 | 2,654 |
| Net interest income | $4,829,000 | 3,315 |
| Provision for loan and lease losses | $190,000 | 4,286 |
| Total noninterest income | $974,000 | 2,956 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $655,000 | 1,980 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $319,000 | 3,587 |
| Total noninterest expense | $3,932,000 | 3,433 |
| Salaries and employee benefits | $2,095,000 | 3,479 |
| Premises and equipment expense | $534,000 | 3,488 |
| Additional noninterest expense | $1,303,000 | 3,145 |
| Pre-tax net operating income | $1,681,000 | 2,607 |
| Securities gains (losses) | $26,000 | 1,844 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,707,000 | 2,062 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,707,000 | 2,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,540 |
| Cash dividends | $706,000 | 2,258 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,681,000 | 2,200 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,269,000 | 3,026 |
| Total interest expense | $3,046,000 | 2,676 |
| Net interest income | $3,223,000 | 3,304 |
| Provision for loan and lease losses | $90,000 | 4,395 |
| Total noninterest income | $651,000 | 2,971 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $437,000 | 1,949 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $214,000 | 3,629 |
| Total noninterest expense | $2,647,000 | 3,411 |
| Salaries and employee benefits | $1,435,000 | 3,456 |
| Premises and equipment expense | $351,000 | 3,541 |
| Additional noninterest expense | $861,000 | 3,136 |
| Pre-tax net operating income | $1,137,000 | 2,694 |
| Securities gains (losses) | $26,000 | 1,879 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $1,163,000 | 2,270 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,163,000 | 2,270 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 2,946 |
| Cash dividends | $407,000 | 2,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,137,000 | 2,272 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,298,000 | 2,952 |
| Total interest expense | $1,638,000 | 2,664 |
| Net interest income | $1,660,000 | 3,220 |
| Provision for loan and lease losses | $45,000 | 3,899 |
| Total noninterest income | $318,000 | 3,007 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $212,000 | 1,972 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $106,000 | 3,660 |
| Total noninterest expense | $1,303,000 | 3,472 |
| Salaries and employee benefits | $720,000 | 3,475 |
| Premises and equipment expense | $167,000 | 3,686 |
| Additional noninterest expense | $416,000 | 3,195 |
| Pre-tax net operating income | $630,000 | 2,614 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $630,000 | 2,216 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $630,000 | 2,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 2,711 |
| Cash dividends | $213,000 | 2,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $630,000 | 2,142 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $15,131,000 | 2,656 |
| Total interest expense | $7,345,000 | 2,498 |
| Net interest income | $7,786,000 | 2,798 |
| Provision for loan and lease losses | $195,000 | 3,917 |
| Total noninterest income | $1,288,000 | 2,995 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $815,000 | 2,105 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $473,000 | 3,413 |
| Total noninterest expense | $5,144,000 | 3,377 |
| Salaries and employee benefits | $2,903,000 | 3,313 |
| Premises and equipment expense | $734,000 | 3,322 |
| Additional noninterest expense | $1,507,000 | 3,404 |
| Pre-tax net operating income | $3,735,000 | 2,091 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,000 | 5,711 |
| Income before extraordinary items | $3,728,000 | 1,698 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,728,000 | 1,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 4,799 |
| Cash dividends | $1,660,000 | 1,858 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,728,000 | 1,684 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $11,414,000 | 2,644 |
| Total interest expense | $5,584,000 | 2,473 |
| Net interest income | $5,830,000 | 2,813 |
| Provision for loan and lease losses | $150,000 | 3,464 |
| Total noninterest income | $969,000 | 2,984 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $594,000 | 2,134 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $375,000 | 3,323 |
| Total noninterest expense | $3,844,000 | 3,354 |
| Salaries and employee benefits | $2,179,000 | 3,299 |
| Premises and equipment expense | $468,000 | 3,725 |
| Additional noninterest expense | $1,197,000 | 3,203 |
| Pre-tax net operating income | $2,805,000 | 2,231 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $7,000 | 5,819 |
| Income before extraordinary items | $2,798,000 | 1,804 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,798,000 | 1,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,809 |
| Cash dividends | $1,045,000 | 1,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,798,000 | 1,790 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,471,000 | 2,708 |
| Total interest expense | $3,691,000 | 2,497 |
| Net interest income | $3,780,000 | 2,905 |
| Provision for loan and lease losses | $105,000 | 3,205 |
| Total noninterest income | $623,000 | 3,074 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $385,000 | 2,192 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $238,000 | 3,449 |
| Total noninterest expense | $2,567,000 | 3,377 |
| Salaries and employee benefits | $1,487,000 | 3,268 |
| Premises and equipment expense | $288,000 | 3,952 |
| Additional noninterest expense | $792,000 | 3,222 |
| Pre-tax net operating income | $1,731,000 | 2,416 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $7,000 | 5,792 |
| Income before extraordinary items | $1,724,000 | 1,994 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,724,000 | 1,993 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,902 |
| Cash dividends | $593,000 | 2,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,724,000 | 1,973 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,646,000 | 2,755 |
| Total interest expense | $1,793,000 | 2,554 |
| Net interest income | $1,853,000 | 2,961 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $301,000 | 3,101 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $171,000 | 2,345 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $130,000 | 3,266 |
| Total noninterest expense | $1,304,000 | 3,347 |
| Salaries and employee benefits | $759,000 | 3,235 |
| Premises and equipment expense | $146,000 | 3,924 |
| Additional noninterest expense | $399,000 | 3,180 |
| Pre-tax net operating income | $790,000 | 2,578 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $7,000 | 5,533 |
| Income before extraordinary items | $783,000 | 2,099 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $783,000 | 2,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $783,000 | 2,089 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $12,968,000 | 2,891 |
| Total interest expense | $5,576,000 | 2,765 |
| Net interest income | $7,392,000 | 2,966 |
| Provision for loan and lease losses | $165,000 | 3,897 |
| Total noninterest income | $1,231,000 | 3,073 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $803,000 | 2,105 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $428,000 | 3,613 |
| Total noninterest expense | $4,737,000 | 3,496 |
| Salaries and employee benefits | $2,735,000 | 3,381 |
| Premises and equipment expense | $548,000 | 4,013 |
| Additional noninterest expense | $1,454,000 | 3,375 |
| Pre-tax net operating income | $3,721,000 | 2,371 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,332,000 | 1,834 |
| Income before extraordinary items | $2,389,000 | 2,708 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,389,000 | 2,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 2,743 |
| Cash dividends | $471,000 | 3,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,389,000 | 2,696 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,355,000 | 2,967 |
| Total interest expense | $3,975,000 | 2,796 |
| Net interest income | $5,380,000 | 3,068 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $904,000 | 3,129 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $567,000 | 2,232 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $337,000 | 3,513 |
| Total noninterest expense | $3,549,000 | 3,490 |
| Salaries and employee benefits | $2,034,000 | 3,400 |
| Premises and equipment expense | $407,000 | 4,064 |
| Additional noninterest expense | $1,108,000 | 3,336 |
| Pre-tax net operating income | $2,600,000 | 2,576 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,039,000 | 1,839 |
| Income before extraordinary items | $1,561,000 | 3,118 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,561,000 | 3,119 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,707 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,561,000 | 3,109 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,029,000 | 3,014 |
| Total interest expense | $2,488,000 | 2,837 |
| Net interest income | $3,541,000 | 3,100 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $557,000 | 3,279 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $318,000 | 2,551 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $239,000 | 3,405 |
| Total noninterest expense | $2,357,000 | 3,507 |
| Salaries and employee benefits | $1,400,000 | 3,324 |
| Premises and equipment expense | $252,000 | 4,249 |
| Additional noninterest expense | $705,000 | 3,447 |
| Pre-tax net operating income | $1,651,000 | 2,678 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $660,000 | 1,924 |
| Income before extraordinary items | $991,000 | 3,234 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $991,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,743 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $991,000 | 3,230 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,833,000 | 3,124 |
| Total interest expense | $1,159,000 | 2,883 |
| Net interest income | $1,674,000 | 3,247 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $252,000 | 3,443 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $144,000 | 2,683 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $108,000 | 3,577 |
| Total noninterest expense | $1,238,000 | 3,381 |
| Salaries and employee benefits | $765,000 | 3,086 |
| Premises and equipment expense | $130,000 | 4,188 |
| Additional noninterest expense | $343,000 | 3,502 |
| Pre-tax net operating income | $643,000 | 3,165 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $257,000 | 2,226 |
| Income before extraordinary items | $386,000 | 3,786 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $386,000 | 3,785 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,568 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $386,000 | 3,769 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,502,000 | 3,289 |
| Total interest expense | $3,194,000 | 3,159 |
| Net interest income | $6,308,000 | 3,296 |
| Provision for loan and lease losses | $180,000 | 3,751 |
| Total noninterest income | $993,000 | 3,586 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $583,000 | 2,721 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $410,000 | 3,741 |
| Total noninterest expense | $3,989,000 | 3,866 |
| Salaries and employee benefits | $2,234,000 | 3,804 |
| Premises and equipment expense | $537,000 | 3,973 |
| Additional noninterest expense | $1,218,000 | 3,831 |
| Pre-tax net operating income | $3,132,000 | 2,662 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $992,000 | 2,272 |
| Income before extraordinary items | $2,140,000 | 2,923 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,140,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,419 |
| Cash dividends | $526,000 | 3,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,140,000 | 2,892 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,814,000 | 3,342 |
| Total interest expense | $2,164,000 | 3,279 |
| Net interest income | $4,650,000 | 3,330 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $741,000 | 3,597 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $431,000 | 2,741 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $310,000 | 3,742 |
| Total noninterest expense | $3,047,000 | 3,798 |
| Salaries and employee benefits | $1,712,000 | 3,725 |
| Premises and equipment expense | $394,000 | 4,009 |
| Additional noninterest expense | $941,000 | 3,675 |
| Pre-tax net operating income | $2,209,000 | 2,833 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $768,000 | 2,266 |
| Income before extraordinary items | $1,441,000 | 3,229 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,441,000 | 3,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,790 |
| Cash dividends | $105,000 | 4,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,441,000 | 3,194 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,327,000 | 3,408 |
| Total interest expense | $1,306,000 | 3,406 |
| Net interest income | $3,021,000 | 3,388 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $500,000 | 3,516 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $275,000 | 2,791 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $225,000 | 3,561 |
| Total noninterest expense | $2,058,000 | 3,728 |
| Salaries and employee benefits | $1,180,000 | 3,605 |
| Premises and equipment expense | $248,000 | 4,176 |
| Additional noninterest expense | $630,000 | 3,652 |
| Pre-tax net operating income | $1,373,000 | 2,943 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $434,000 | 2,476 |
| Income before extraordinary items | $939,000 | 3,241 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $939,000 | 3,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,061 |
| Cash dividends | $105,000 | 4,194 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $939,000 | 3,199 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,019,000 | 3,559 |
| Total interest expense | $603,000 | 3,491 |
| Net interest income | $1,416,000 | 3,572 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $252,000 | 3,438 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $136,000 | 2,758 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $116,000 | 3,465 |
| Total noninterest expense | $1,025,000 | 3,776 |
| Salaries and employee benefits | $584,000 | 3,648 |
| Premises and equipment expense | $131,000 | 4,048 |
| Additional noninterest expense | $310,000 | 3,714 |
| Pre-tax net operating income | $598,000 | 3,229 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $126,000 | 3,391 |
| Income before extraordinary items | $472,000 | 3,182 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $472,000 | 3,183 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 2,699 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $472,000 | 3,144 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,148,000 | 3,745 |
| Total interest expense | $2,004,000 | 3,648 |
| Net interest income | $5,144,000 | 3,730 |
| Provision for loan and lease losses | $295,000 | 2,973 |
| Total noninterest income | $1,031,000 | 3,464 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $567,000 | 2,839 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $464,000 | 3,447 |
| Total noninterest expense | $3,928,000 | 3,811 |
| Salaries and employee benefits | $2,135,000 | 3,775 |
| Premises and equipment expense | $523,000 | 3,944 |
| Additional noninterest expense | $1,270,000 | 3,586 |
| Pre-tax net operating income | $1,952,000 | 3,562 |
| Securities gains (losses) | $19,000 | 2,428 |
| Applicable income taxes | $676,000 | 2,823 |
| Income before extraordinary items | $1,295,000 | 3,999 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,295,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,894 |
| Cash dividends | $359,000 | 4,084 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,282,460 | 3,972 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,164,000 | 3,833 |
| Total interest expense | $1,448,000 | 3,717 |
| Net interest income | $3,716,000 | 3,816 |
| Provision for loan and lease losses | $235,000 | 2,682 |
| Total noninterest income | $809,000 | 3,379 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $438,000 | 2,781 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $371,000 | 3,329 |
| Total noninterest expense | $2,985,000 | 3,724 |
| Salaries and employee benefits | $1,590,000 | 3,780 |
| Premises and equipment expense | $388,000 | 3,960 |
| Additional noninterest expense | $1,007,000 | 3,414 |
| Pre-tax net operating income | $1,305,000 | 3,948 |
| Securities gains (losses) | $19,000 | 2,339 |
| Applicable income taxes | $516,000 | 2,842 |
| Income before extraordinary items | $808,000 | 4,609 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $808,000 | 4,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 8,314 |
| Cash dividends | $136,000 | 4,386 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $795,840 | 4,555 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,411,000 | 3,857 |
| Total interest expense | $938,000 | 3,794 |
| Net interest income | $2,473,000 | 3,814 |
| Provision for loan and lease losses | $175,000 | 2,464 |
| Total noninterest income | $532,000 | 3,426 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $290,000 | 2,784 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $242,000 | 3,379 |
| Total noninterest expense | $1,942,000 | 3,831 |
| Salaries and employee benefits | $1,054,000 | 3,823 |
| Premises and equipment expense | $248,000 | 4,102 |
| Additional noninterest expense | $640,000 | 3,547 |
| Pre-tax net operating income | $888,000 | 3,834 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $345,000 | 2,832 |
| Income before extraordinary items | $543,000 | 4,511 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $543,000 | 4,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,391 |
| Cash dividends | $136,000 | 3,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $543,000 | 4,429 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,707,000 | 3,860 |
| Total interest expense | $462,000 | 3,885 |
| Net interest income | $1,245,000 | 3,775 |
| Provision for loan and lease losses | $115,000 | 1,912 |
| Total noninterest income | $247,000 | 3,551 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $139,000 | 2,827 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $108,000 | 3,546 |
| Total noninterest expense | $967,000 | 3,858 |
| Salaries and employee benefits | $534,000 | 3,801 |
| Premises and equipment expense | $124,000 | 4,137 |
| Additional noninterest expense | $309,000 | 3,663 |
| Pre-tax net operating income | $410,000 | 4,018 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $160,000 | 2,979 |
| Income before extraordinary items | $250,000 | 4,753 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $250,000 | 4,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,486 |
| Cash dividends | $35,000 | 3,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $250,000 | 4,631 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,682,000 | 3,967 |
| Total interest expense | $1,978,000 | 4,058 |
| Net interest income | $4,704,000 | 3,863 |
| Provision for loan and lease losses | $335,000 | 2,929 |
| Total noninterest income | $1,091,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $583,000 | 2,760 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $508,000 | 3,556 |
| Total noninterest expense | $3,729,000 | 3,909 |
| Salaries and employee benefits | $1,978,000 | 3,961 |
| Premises and equipment expense | $485,000 | 4,168 |
| Additional noninterest expense | $1,266,000 | 3,580 |
| Pre-tax net operating income | $1,731,000 | 3,740 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $583,000 | 3,118 |
| Income before extraordinary items | $1,148,000 | 4,258 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,148,000 | 4,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $396,000 | 1,888 |
| Cash dividends | $436,000 | 3,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,148,000 | 4,090 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,021,000 | 4,023 |
| Total interest expense | $1,511,000 | 4,115 |
| Net interest income | $3,510,000 | 3,890 |
| Provision for loan and lease losses | $203,000 | 3,311 |
| Total noninterest income | $829,000 | 3,556 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $432,000 | 2,793 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $397,000 | 3,544 |
| Total noninterest expense | $2,731,000 | 3,964 |
| Salaries and employee benefits | $1,479,000 | 3,967 |
| Premises and equipment expense | $352,000 | 4,254 |
| Additional noninterest expense | $900,000 | 3,714 |
| Pre-tax net operating income | $1,405,000 | 3,653 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $548,000 | 2,860 |
| Income before extraordinary items | $857,000 | 4,422 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $857,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 2,931 |
| Cash dividends | $210,000 | 3,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $857,000 | 4,249 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,355,000 | 4,048 |
| Total interest expense | $1,032,000 | 4,146 |
| Net interest income | $2,323,000 | 3,931 |
| Provision for loan and lease losses | $135,000 | 3,272 |
| Total noninterest income | $546,000 | 3,556 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $289,000 | 2,734 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $257,000 | 3,576 |
| Total noninterest expense | $1,819,000 | 3,963 |
| Salaries and employee benefits | $975,000 | 3,998 |
| Premises and equipment expense | $224,000 | 4,388 |
| Additional noninterest expense | $620,000 | 3,617 |
| Pre-tax net operating income | $915,000 | 3,716 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $357,000 | 2,924 |
| Income before extraordinary items | $558,000 | 4,497 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $558,000 | 4,496 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 3,091 |
| Cash dividends | $210,000 | 3,395 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $558,000 | 4,290 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,678,000 | 4,075 |
| Total interest expense | $525,000 | 4,184 |
| Net interest income | $1,153,000 | 3,948 |
| Provision for loan and lease losses | $67,000 | 3,113 |
| Total noninterest income | $258,000 | 3,567 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $142,000 | 2,695 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $116,000 | 3,667 |
| Total noninterest expense | $902,000 | 3,981 |
| Salaries and employee benefits | $480,000 | 4,028 |
| Premises and equipment expense | $112,000 | 4,395 |
| Additional noninterest expense | $310,000 | 3,570 |
| Pre-tax net operating income | $442,000 | 3,800 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $172,000 | 2,956 |
| Income before extraordinary items | $270,000 | 4,519 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $270,000 | 4,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,771 |
| Cash dividends | $210,000 | 2,141 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $270,000 | 4,318 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,780,000 | 4,157 |
| Total interest expense | $2,396,000 | 4,242 |
| Net interest income | $4,384,000 | 4,077 |
| Provision for loan and lease losses | $350,000 | 3,125 |
| Total noninterest income | $1,120,000 | 3,217 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $630,000 | 2,477 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $490,000 | 3,319 |
| Total noninterest expense | $3,565,000 | 3,900 |
| Salaries and employee benefits | $1,893,000 | 3,929 |
| Premises and equipment expense | $461,000 | 4,201 |
| Additional noninterest expense | $1,211,000 | 3,587 |
| Pre-tax net operating income | $1,589,000 | 3,953 |
| Securities gains (losses) | $120,000 | 1,584 |
| Applicable income taxes | $568,000 | 3,204 |
| Income before extraordinary items | $1,141,000 | 4,218 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,141,000 | 4,219 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 2,213 |
| Cash dividends | $332,000 | 4,156 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,060,600 | 4,320 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,020,000 | 4,018 |
| Total interest expense | $3,908,000 | 3,875 |
| Net interest income | $4,112,000 | 4,041 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $861,000 | 3,671 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $571,000 | 2,539 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $290,000 | 4,187 |
| Total noninterest expense | $3,238,000 | 4,088 |
| Salaries and employee benefits | $1,725,000 | 4,046 |
| Premises and equipment expense | $385,000 | 4,711 |
| Additional noninterest expense | $1,128,000 | 3,698 |
| Pre-tax net operating income | $1,495,000 | 3,879 |
| Securities gains (losses) | $359,000 | 790 |
| Applicable income taxes | $622,000 | 2,900 |
| Income before extraordinary items | $1,232,000 | 3,724 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,232,000 | 3,726 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $193,000 | 2,922 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $995,060 | 4,187 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,056,000 | 4,108 |
| Total interest expense | $3,861,000 | 4,086 |
| Net interest income | $4,195,000 | 4,019 |
| Provision for loan and lease losses | $195,000 | 3,809 |
| Total noninterest income | $674,000 | 4,105 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $446,000 | 2,986 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,493 |
| Total noninterest expense | $2,822,000 | 4,444 |
| Salaries and employee benefits | $1,486,000 | 4,388 |
| Premises and equipment expense | $371,000 | 4,747 |
| Additional noninterest expense | $965,000 | 4,095 |
| Pre-tax net operating income | $1,852,000 | 3,502 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $689,000 | 2,819 |
| Income before extraordinary items | $1,163,000 | 3,952 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,163,000 | 3,953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 2,607 |
| Cash dividends | $210,000 | 5,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,163,000 | 3,940 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,442,000 | 4,709 |
| Total interest expense | $2,749,000 | 4,920 |
| Net interest income | $3,693,000 | 4,470 |
| Provision for loan and lease losses | $120,000 | 4,720 |
| Total noninterest income | $512,000 | 4,885 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $329,000 | 3,725 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $183,000 | 5,146 |
| Total noninterest expense | $2,486,000 | 4,907 |
| Salaries and employee benefits | $1,274,000 | 4,946 |
| Premises and equipment expense | $338,000 | 5,088 |
| Additional noninterest expense | $874,000 | 4,478 |
| Pre-tax net operating income | $1,599,000 | 3,929 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $572,000 | 3,323 |
| Income before extraordinary items | $1,027,000 | 4,348 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,027,000 | 4,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,685 |
| Cash dividends | $333,000 | 4,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,027,000 | 4,314 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,064,000 | 4,966 |
| Total interest expense | $2,679,000 | 5,125 |
| Net interest income | $3,385,000 | 4,710 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $403,000 | 5,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $294,000 | 3,991 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,429 |
| Total noninterest expense | $2,180,000 | 5,260 |
| Salaries and employee benefits | $1,078,000 | 5,483 |
| Premises and equipment expense | $311,000 | 5,278 |
| Additional noninterest expense | $791,000 | 4,718 |
| Pre-tax net operating income | $1,488,000 | 4,209 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $524,000 | 3,724 |
| Income before extraordinary items | $972,000 | 4,609 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $972,000 | 4,609 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,222 |
| Cash dividends | $236,000 | 5,074 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $966,800 | 4,526 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,578,000 | 5,354 |
| Total interest expense | $2,480,000 | 5,446 |
| Net interest income | $3,098,000 | 5,174 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $381,000 | 5,891 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $278,000 | 4,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 6,713 |
| Total noninterest expense | $1,931,000 | 5,785 |
| Salaries and employee benefits | $908,000 | 6,244 |
| Premises and equipment expense | $346,000 | 4,936 |
| Additional noninterest expense | $677,000 | 5,347 |
| Pre-tax net operating income | $1,428,000 | 4,661 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $537,000 | 4,008 |
| Income before extraordinary items | $895,000 | 5,071 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $895,000 | 5,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,671 |
| Cash dividends | $227,000 | 5,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $892,440 | 5,023 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,736,000 | 6,165 |
| Total interest expense | $2,057,000 | 6,304 |
| Net interest income | $2,679,000 | 5,909 |
| Provision for loan and lease losses | $225,000 | 3,146 |
| Total noninterest income | $368,000 | 6,228 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $257,000 | 4,730 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,836 |
| Total noninterest expense | $1,707,000 | 6,599 |
| Salaries and employee benefits | $652,000 | 7,837 |
| Premises and equipment expense | $236,000 | 6,453 |
| Additional noninterest expense | $819,000 | 5,124 |
| Pre-tax net operating income | $1,115,000 | 5,366 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $390,000 | 4,962 |
| Income before extraordinary items | $725,000 | 5,653 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $725,000 | 5,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 3,549 |
| Cash dividends | $17,000 | 8,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $725,000 | 5,596 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,045,000 | 6,935 |
| Total interest expense | $1,651,000 | 7,270 |
| Net interest income | $2,394,000 | 6,494 |
| Provision for loan and lease losses | $577,000 | 1,409 |
| Total noninterest income | $342,000 | 6,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,757 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,022 |
| Total noninterest expense | $1,548,000 | 7,124 |
| Salaries and employee benefits | $583,000 | 8,475 |
| Premises and equipment expense | $236,000 | 6,571 |
| Additional noninterest expense | $729,000 | 5,663 |
| Pre-tax net operating income | $611,000 | 7,818 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $234,000 | 6,896 |
| Income before extraordinary items | $397,000 | 8,108 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $397,000 | 8,107 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $488,000 | 1,408 |
| Cash dividends | $105,000 | 6,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $384,200 | 8,178 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,117,000 | 7,863 |
| Total interest expense | $1,151,000 | 8,094 |
| Net interest income | $1,966,000 | 7,651 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $272,000 | 7,624 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $232,000 | 5,324 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 10,157 |
| Total noninterest expense | $1,271,000 | 8,356 |
| Salaries and employee benefits | $558,000 | 8,899 |
| Premises and equipment expense | $176,000 | 7,948 |
| Additional noninterest expense | $537,000 | 7,545 |
| Pre-tax net operating income | $847,000 | 6,641 |
| Securities gains (losses) | $5,000 | 2,624 |
| Applicable income taxes | $308,000 | 5,782 |
| Income before extraordinary items | $544,000 | 6,962 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $544,000 | 6,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,175 |
| Cash dividends | $122,000 | 6,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $540,800 | 7,047 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,086,000 | 10,010 |
| Total interest expense | $822,000 | 9,921 |
| Net interest income | $1,264,000 | 9,854 |
| Provision for loan and lease losses | $72,000 | 6,563 |
| Total noninterest income | $197,000 | 9,287 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $167,000 | 6,671 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $813,000 | 10,605 |
| Salaries and employee benefits | $369,000 | 10,953 |
| Premises and equipment expense | $8,000 | 13,220 |
| Additional noninterest expense | $436,000 | 8,865 |
| Pre-tax net operating income | $576,000 | 8,115 |
| Securities gains (losses) | $196,000 | 1,719 |
| Applicable income taxes | $266,000 | 6,548 |
| Income before extraordinary items | $506,000 | 7,496 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $506,000 | 7,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,933 |
| Cash dividends | $69,000 | 7,554 |
| Sale, conversion, retirement of capital stock, net | $500,000 | 593 |
| Net operating income | $376,640 | 8,415 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,651,000 | 11,609 |
| Total interest expense | $583,000 | 12,377 |
| Net interest income | $1,068,000 | 10,822 |
| Provision for loan and lease losses | $85,000 | 7,723 |
| Total noninterest income | $145,000 | 10,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $116,000 | 8,048 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $553,000 | 12,342 |
| Salaries and employee benefits | $231,000 | 12,820 |
| Premises and equipment expense | $73,000 | 11,760 |
| Additional noninterest expense | $249,000 | 11,542 |
| Pre-tax net operating income | $575,000 | 7,895 |
| Securities gains (losses) | $184,000 | 2,125 |
| Applicable income taxes | $293,000 | 6,029 |
| Income before extraordinary items | $466,000 | 7,611 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $466,000 | 7,719 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 8,449 |
| Cash dividends | $75,000 | 7,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $348,240 | 8,374 |
* 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.