Home > Bank of Willits > Income and Expense
Bank of Willits, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,862,000 | 4,576 |
| Total interest expense | $626,000 | 4,971 |
| Net interest income | $2,236,000 | 4,327 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $225,000 | 4,818 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $96,000 | 4,562 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $129,000 | 4,233 |
| Total noninterest expense | $2,005,000 | 4,224 |
| Salaries and employee benefits | $1,296,000 | 3,543 |
| Premises and equipment expense | $90,000 | 6,496 |
| Additional noninterest expense | $619,000 | 4,509 |
| Pre-tax net operating income | $456,000 | 3,780 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $167,000 | 2,301 |
| Income before extraordinary items | $289,000 | 4,376 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $289,000 | 4,375 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $289,000 | 4,375 |
| Net charge-offs | $-8,000 | 7,437 |
| Cash dividends | $443,000 | 1,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $289,000 | 4,225 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,443,000 | 4,613 |
| Total interest expense | $322,000 | 5,015 |
| Net interest income | $1,121,000 | 4,338 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $117,000 | 4,758 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $49,000 | 4,514 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $68,000 | 4,171 |
| Total noninterest expense | $909,000 | 4,557 |
| Salaries and employee benefits | $640,000 | 3,629 |
| Premises and equipment expense | $44,000 | 6,603 |
| Additional noninterest expense | $225,000 | 5,408 |
| Pre-tax net operating income | $329,000 | 3,209 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $122,000 | 1,925 |
| Income before extraordinary items | $207,000 | 3,811 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $207,000 | 3,808 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $207,000 | 3,810 |
| Net charge-offs | $-8,000 | 7,437 |
| Cash dividends | $304,000 | 1,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $207,000 | 3,691 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $6,160,000 | 4,537 |
| Total interest expense | $1,674,000 | 4,898 |
| Net interest income | $4,486,000 | 4,240 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $480,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $217,000 | 4,495 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $263,000 | 4,197 |
| Total noninterest expense | $3,624,000 | 4,614 |
| Salaries and employee benefits | $2,300,000 | 3,946 |
| Premises and equipment expense | $217,000 | 6,350 |
| Additional noninterest expense | $1,107,000 | 4,952 |
| Pre-tax net operating income | $1,342,000 | 2,525 |
| Securities gains (losses) | $-48,000 | 7,168 |
| Applicable income taxes | $354,000 | 1,881 |
| Income before extraordinary items | $940,000 | 2,871 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $940,000 | 2,870 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $940,000 | 2,871 |
| Net charge-offs | $-5,000 | 7,818 |
| Cash dividends | $584,000 | 2,361 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $975,040 | 2,759 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,708,000 | 4,548 |
| Total interest expense | $1,318,000 | 4,928 |
| Net interest income | $3,390,000 | 4,226 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $365,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $165,000 | 4,492 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $200,000 | 4,283 |
| Total noninterest expense | $2,683,000 | 4,657 |
| Salaries and employee benefits | $1,680,000 | 4,049 |
| Premises and equipment expense | $164,000 | 6,381 |
| Additional noninterest expense | $839,000 | 4,928 |
| Pre-tax net operating income | $1,072,000 | 2,619 |
| Securities gains (losses) | $-48,000 | 7,376 |
| Applicable income taxes | $275,000 | 2,010 |
| Income before extraordinary items | $749,000 | 2,990 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $749,000 | 2,988 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $749,000 | 2,991 |
| Net charge-offs | $-5,000 | 7,804 |
| Cash dividends | $584,000 | 1,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $784,040 | 2,835 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,172,000 | 4,556 |
| Total interest expense | $914,000 | 4,954 |
| Net interest income | $2,258,000 | 4,215 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $244,000 | 4,855 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $108,000 | 4,500 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $136,000 | 4,284 |
| Total noninterest expense | $1,620,000 | 5,010 |
| Salaries and employee benefits | $1,028,000 | 4,351 |
| Premises and equipment expense | $112,000 | 6,373 |
| Additional noninterest expense | $480,000 | 5,354 |
| Pre-tax net operating income | $882,000 | 2,331 |
| Securities gains (losses) | $78,000 | 1,642 |
| Applicable income taxes | $281,000 | 1,605 |
| Income before extraordinary items | $679,000 | 2,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $679,000 | 2,549 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $679,000 | 2,551 |
| Net charge-offs | $2,000 | 6,442 |
| Cash dividends | $304,000 | 2,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $623,620 | 2,620 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,620,000 | 4,533 |
| Total interest expense | $498,000 | 4,843 |
| Net interest income | $1,122,000 | 4,212 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $121,000 | 4,858 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $53,000 | 4,479 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $68,000 | 4,284 |
| Total noninterest expense | $764,000 | 5,120 |
| Salaries and employee benefits | $522,000 | 4,336 |
| Premises and equipment expense | $53,000 | 6,520 |
| Additional noninterest expense | $189,000 | 5,746 |
| Pre-tax net operating income | $479,000 | 2,460 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $115,000 | 2,038 |
| Income before extraordinary items | $364,000 | 2,750 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $364,000 | 2,748 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $364,000 | 2,751 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $304,000 | 1,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $364,000 | 2,612 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,031,000 | 4,476 |
| Total interest expense | $2,517,000 | 4,723 |
| Net interest income | $4,514,000 | 4,222 |
| Provision for loan and lease losses | $70,000 | 6,336 |
| Total noninterest income | $481,000 | 4,925 |
| 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 | $259,000 | 4,363 |
| Total noninterest expense | $2,902,000 | 5,228 |
| Salaries and employee benefits | $1,819,000 | 4,750 |
| Premises and equipment expense | $282,000 | 5,945 |
| Additional noninterest expense | $801,000 | 5,468 |
| Pre-tax net operating income | $2,023,000 | 2,432 |
| Securities gains (losses) | $-1,741,000 | 7,855 |
| Applicable income taxes | $-15,000 | 6,820 |
| Income before extraordinary items | $297,000 | 5,132 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $297,000 | 5,131 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,480 |
| Cash dividends | $584,000 | 3,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,038,000 | 2,075 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,337,000 | 4,502 |
| Total interest expense | $1,955,000 | 4,754 |
| Net interest income | $3,382,000 | 4,246 |
| Provision for loan and lease losses | $70,000 | 5,559 |
| Total noninterest income | $363,000 | 5,011 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $166,000 | 4,628 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $197,000 | 4,450 |
| Total noninterest expense | $2,265,000 | 5,083 |
| Salaries and employee benefits | $1,451,000 | 4,586 |
| Premises and equipment expense | $210,000 | 5,975 |
| Additional noninterest expense | $604,000 | 5,403 |
| Pre-tax net operating income | $1,410,000 | 2,962 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $481,000 | 1,952 |
| Income before extraordinary items | $929,000 | 3,255 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $929,000 | 3,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $584,000 | 2,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $929,000 | 3,393 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,381,000 | 4,727 |
| Total interest expense | $1,329,000 | 4,838 |
| Net interest income | $2,052,000 | 4,533 |
| Provision for loan and lease losses | $60,000 | 4,901 |
| Total noninterest income | $243,000 | 5,049 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $110,000 | 4,655 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $133,000 | 4,505 |
| Total noninterest expense | $1,539,000 | 5,043 |
| Salaries and employee benefits | $956,000 | 4,670 |
| Premises and equipment expense | $143,000 | 5,958 |
| Additional noninterest expense | $440,000 | 5,130 |
| Pre-tax net operating income | $696,000 | 3,702 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $220,000 | 2,568 |
| Income before extraordinary items | $476,000 | 4,116 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $476,000 | 4,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $304,000 | 2,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $476,000 | 4,054 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,685,000 | 4,833 |
| Total interest expense | $690,000 | 4,916 |
| Net interest income | $995,000 | 4,638 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $120,000 | 5,085 |
| 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 | $66,000 | 4,521 |
| Total noninterest expense | $765,000 | 5,072 |
| Salaries and employee benefits | $475,000 | 4,726 |
| Premises and equipment expense | $69,000 | 6,080 |
| Additional noninterest expense | $221,000 | 5,061 |
| Pre-tax net operating income | $320,000 | 3,999 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $99,000 | 2,817 |
| Income before extraordinary items | $221,000 | 4,459 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $221,000 | 4,461 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $304,000 | 1,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $221,000 | 4,352 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,485,000 | 4,554 |
| Total interest expense | $2,692,000 | 5,072 |
| Net interest income | $4,793,000 | 4,126 |
| Provision for loan and lease losses | $110,000 | 4,771 |
| Total noninterest income | $495,000 | 5,053 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $230,000 | 4,617 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $265,000 | 4,467 |
| Total noninterest expense | $3,010,000 | 4,998 |
| Salaries and employee benefits | $2,039,000 | 4,334 |
| Premises and equipment expense | $179,000 | 6,942 |
| Additional noninterest expense | $792,000 | 5,381 |
| Pre-tax net operating income | $2,168,000 | 3,153 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $661,000 | 2,373 |
| Income before extraordinary items | $1,507,000 | 3,443 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,507,000 | 3,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $584,000 | 3,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,507,000 | 3,424 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,596,000 | 4,578 |
| Total interest expense | $1,972,000 | 5,144 |
| Net interest income | $3,624,000 | 4,110 |
| Provision for loan and lease losses | $80,000 | 4,491 |
| Total noninterest income | $380,000 | 5,027 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $178,000 | 4,585 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $202,000 | 4,469 |
| Total noninterest expense | $2,171,000 | 5,091 |
| Salaries and employee benefits | $1,443,000 | 4,505 |
| Premises and equipment expense | $119,000 | 7,144 |
| Additional noninterest expense | $609,000 | 5,240 |
| Pre-tax net operating income | $1,753,000 | 3,126 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $622,000 | 2,236 |
| Income before extraordinary items | $1,131,000 | 3,617 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,131,000 | 3,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $584,000 | 2,737 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,131,000 | 3,596 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 4,625 |
| Total interest expense | $1,253,000 | 5,277 |
| Net interest income | $2,435,000 | 4,120 |
| Provision for loan and lease losses | $50,000 | 4,348 |
| Total noninterest income | $251,000 | 5,070 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $116,000 | 4,641 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $135,000 | 4,518 |
| Total noninterest expense | $1,463,000 | 5,089 |
| Salaries and employee benefits | $963,000 | 4,532 |
| Premises and equipment expense | $83,000 | 7,083 |
| Additional noninterest expense | $417,000 | 5,158 |
| Pre-tax net operating income | $1,173,000 | 3,159 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $417,000 | 2,323 |
| Income before extraordinary items | $756,000 | 3,646 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $756,000 | 3,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $304,000 | 3,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $756,000 | 3,624 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,804,000 | 4,687 |
| Total interest expense | $588,000 | 5,438 |
| Net interest income | $1,216,000 | 4,108 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $126,000 | 5,013 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $58,000 | 4,604 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $68,000 | 4,516 |
| Total noninterest expense | $687,000 | 5,315 |
| Salaries and employee benefits | $475,000 | 4,603 |
| Premises and equipment expense | $37,000 | 7,309 |
| Additional noninterest expense | $175,000 | 5,662 |
| Pre-tax net operating income | $635,000 | 2,997 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $228,000 | 2,214 |
| Income before extraordinary items | $407,000 | 3,453 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $407,000 | 3,453 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $304,000 | 1,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $407,000 | 3,431 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $6,812,000 | 4,644 |
| Total interest expense | $1,917,000 | 5,525 |
| Net interest income | $4,895,000 | 4,066 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $491,000 | 5,176 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $252,000 | 4,472 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $239,000 | 4,748 |
| Total noninterest expense | $3,001,000 | 4,880 |
| Salaries and employee benefits | $2,058,000 | 4,178 |
| Premises and equipment expense | $165,000 | 7,085 |
| Additional noninterest expense | $778,000 | 5,315 |
| Pre-tax net operating income | $2,385,000 | 3,233 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $844,000 | 2,407 |
| Income before extraordinary items | $1,541,000 | 3,707 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,541,000 | 3,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $552,000 | 3,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,541,000 | 3,687 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,039,000 | 4,667 |
| Total interest expense | $1,396,000 | 5,538 |
| Net interest income | $3,643,000 | 4,113 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $376,000 | 5,151 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $195,000 | 4,446 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $181,000 | 4,745 |
| Total noninterest expense | $2,143,000 | 5,033 |
| Salaries and employee benefits | $1,422,000 | 4,420 |
| Premises and equipment expense | $109,000 | 7,320 |
| Additional noninterest expense | $612,000 | 5,153 |
| Pre-tax net operating income | $1,876,000 | 3,247 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $668,000 | 2,439 |
| Income before extraordinary items | $1,208,000 | 3,726 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,208,000 | 3,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $552,000 | 2,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,208,000 | 3,705 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,295,000 | 4,683 |
| Total interest expense | $896,000 | 5,520 |
| Net interest income | $2,399,000 | 4,165 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $257,000 | 5,083 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $131,000 | 4,411 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $126,000 | 4,648 |
| Total noninterest expense | $1,404,000 | 5,110 |
| Salaries and employee benefits | $934,000 | 4,484 |
| Premises and equipment expense | $69,000 | 7,438 |
| Additional noninterest expense | $401,000 | 5,200 |
| Pre-tax net operating income | $1,252,000 | 3,269 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $445,000 | 2,466 |
| Income before extraordinary items | $807,000 | 3,731 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $807,000 | 3,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $288,000 | 3,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $807,000 | 3,725 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,634,000 | 4,654 |
| Total interest expense | $429,000 | 5,513 |
| Net interest income | $1,205,000 | 4,144 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $130,000 | 5,013 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $66,000 | 4,344 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,593 |
| Total noninterest expense | $701,000 | 5,125 |
| Salaries and employee benefits | $468,000 | 4,493 |
| Premises and equipment expense | $37,000 | 7,336 |
| Additional noninterest expense | $196,000 | 5,244 |
| Pre-tax net operating income | $634,000 | 3,192 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $225,000 | 2,443 |
| Income before extraordinary items | $409,000 | 3,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $409,000 | 3,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $288,000 | 2,017 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $409,000 | 3,626 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,041,000 | 4,584 |
| Total interest expense | $1,513,000 | 5,208 |
| Net interest income | $4,528,000 | 4,239 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $452,000 | 5,473 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $216,000 | 4,877 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $236,000 | 4,845 |
| Total noninterest expense | $2,818,000 | 4,993 |
| Salaries and employee benefits | $1,919,000 | 4,249 |
| Premises and equipment expense | $136,000 | 7,451 |
| Additional noninterest expense | $763,000 | 5,317 |
| Pre-tax net operating income | $2,162,000 | 3,504 |
| Securities gains (losses) | $-3,000 | 7,152 |
| Applicable income taxes | $744,000 | 2,712 |
| Income before extraordinary items | $1,415,000 | 3,925 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,415,000 | 3,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $520,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,416,980 | 3,894 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,438,000 | 4,605 |
| Total interest expense | $1,084,000 | 5,219 |
| Net interest income | $3,354,000 | 4,286 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $342,000 | 5,484 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $163,000 | 4,904 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $179,000 | 4,847 |
| Total noninterest expense | $2,031,000 | 5,093 |
| Salaries and employee benefits | $1,362,000 | 4,409 |
| Premises and equipment expense | $98,000 | 7,505 |
| Additional noninterest expense | $571,000 | 5,270 |
| Pre-tax net operating income | $1,665,000 | 3,488 |
| Securities gains (losses) | $-3,000 | 7,524 |
| Applicable income taxes | $576,000 | 2,706 |
| Income before extraordinary items | $1,086,000 | 3,939 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,086,000 | 3,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,516 |
| Cash dividends | $520,000 | 2,732 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,087,950 | 3,894 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,904,000 | 4,599 |
| Total interest expense | $695,000 | 5,177 |
| Net interest income | $2,209,000 | 4,294 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $225,000 | 5,478 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $105,000 | 4,934 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $120,000 | 4,809 |
| Total noninterest expense | $1,353,000 | 5,084 |
| Salaries and employee benefits | $907,000 | 4,392 |
| Premises and equipment expense | $61,000 | 7,596 |
| Additional noninterest expense | $385,000 | 5,219 |
| Pre-tax net operating income | $1,081,000 | 3,520 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $372,000 | 2,726 |
| Income before extraordinary items | $709,000 | 3,957 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $709,000 | 3,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $272,000 | 3,111 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $709,000 | 3,904 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,422,000 | 4,641 |
| Total interest expense | $333,000 | 5,198 |
| Net interest income | $1,089,000 | 4,351 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $115,000 | 5,382 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $51,000 | 4,944 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $64,000 | 4,644 |
| Total noninterest expense | $685,000 | 5,075 |
| Salaries and employee benefits | $457,000 | 4,390 |
| Premises and equipment expense | $30,000 | 7,706 |
| Additional noninterest expense | $198,000 | 5,114 |
| Pre-tax net operating income | $519,000 | 3,577 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $178,000 | 2,783 |
| Income before extraordinary items | $341,000 | 4,022 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $341,000 | 4,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $272,000 | 1,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $341,000 | 3,978 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,561,000 | 4,505 |
| Total interest expense | $1,251,000 | 5,007 |
| Net interest income | $4,310,000 | 4,258 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $458,000 | 5,487 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $220,000 | 5,027 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $238,000 | 4,736 |
| Total noninterest expense | $2,830,000 | 4,872 |
| Salaries and employee benefits | $1,961,000 | 4,065 |
| Premises and equipment expense | $154,000 | 7,278 |
| Additional noninterest expense | $715,000 | 5,452 |
| Pre-tax net operating income | $1,938,000 | 3,577 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $642,000 | 2,917 |
| Income before extraordinary items | $1,296,000 | 3,994 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,296,000 | 3,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $512,000 | 3,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,296,000 | 3,943 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,110,000 | 4,523 |
| Total interest expense | $924,000 | 5,013 |
| Net interest income | $3,186,000 | 4,297 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $350,000 | 5,467 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $167,000 | 5,045 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $183,000 | 4,683 |
| Total noninterest expense | $2,098,000 | 4,845 |
| Salaries and employee benefits | $1,446,000 | 4,076 |
| Premises and equipment expense | $118,000 | 7,211 |
| Additional noninterest expense | $534,000 | 5,437 |
| Pre-tax net operating income | $1,438,000 | 3,674 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $475,000 | 2,995 |
| Income before extraordinary items | $963,000 | 4,100 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $963,000 | 4,100 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $512,000 | 2,640 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $963,000 | 4,037 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,741,000 | 4,536 |
| Total interest expense | $603,000 | 5,085 |
| Net interest income | $2,138,000 | 4,278 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $234,000 | 5,453 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $110,000 | 5,057 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $124,000 | 4,707 |
| Total noninterest expense | $1,397,000 | 4,886 |
| Salaries and employee benefits | $962,000 | 4,102 |
| Premises and equipment expense | $82,000 | 7,177 |
| Additional noninterest expense | $353,000 | 5,491 |
| Pre-tax net operating income | $975,000 | 3,593 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $322,000 | 2,957 |
| Income before extraordinary items | $653,000 | 4,008 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $653,000 | 4,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $264,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $653,000 | 3,927 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,384,000 | 4,523 |
| Total interest expense | $305,000 | 5,116 |
| Net interest income | $1,079,000 | 4,250 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $119,000 | 5,364 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $55,000 | 4,979 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $64,000 | 4,614 |
| Total noninterest expense | $703,000 | 4,904 |
| Salaries and employee benefits | $481,000 | 4,133 |
| Premises and equipment expense | $35,000 | 7,507 |
| Additional noninterest expense | $187,000 | 5,308 |
| Pre-tax net operating income | $495,000 | 3,548 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $164,000 | 2,923 |
| Income before extraordinary items | $331,000 | 4,008 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $331,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $264,000 | 1,874 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $331,000 | 3,879 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,591,000 | 4,510 |
| Total interest expense | $1,461,000 | 4,952 |
| Net interest income | $4,130,000 | 4,264 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $446,000 | 5,713 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $210,000 | 5,156 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $236,000 | 4,958 |
| Total noninterest expense | $2,512,000 | 5,198 |
| Salaries and employee benefits | $1,639,000 | 4,556 |
| Premises and equipment expense | $129,000 | 7,681 |
| Additional noninterest expense | $744,000 | 5,301 |
| Pre-tax net operating income | $2,064,000 | 3,324 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $705,000 | 2,788 |
| Income before extraordinary items | $1,359,000 | 3,806 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,359,000 | 3,805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,883 |
| Cash dividends | $480,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,359,000 | 3,650 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,187,000 | 4,582 |
| Total interest expense | $1,133,000 | 4,976 |
| Net interest income | $3,054,000 | 4,341 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $337,000 | 5,762 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $160,000 | 5,152 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $177,000 | 5,017 |
| Total noninterest expense | $1,777,000 | 5,381 |
| Salaries and employee benefits | $1,137,000 | 4,803 |
| Premises and equipment expense | $97,000 | 7,691 |
| Additional noninterest expense | $543,000 | 5,361 |
| Pre-tax net operating income | $1,614,000 | 3,363 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $560,000 | 2,809 |
| Income before extraordinary items | $1,054,000 | 3,861 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,054,000 | 3,860 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $480,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,054,000 | 3,699 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,744,000 | 4,671 |
| Total interest expense | $774,000 | 5,031 |
| Net interest income | $1,970,000 | 4,440 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $210,000 | 5,888 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $106,000 | 5,131 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $104,000 | 5,264 |
| Total noninterest expense | $1,195,000 | 5,345 |
| Salaries and employee benefits | $754,000 | 4,827 |
| Premises and equipment expense | $63,000 | 7,744 |
| Additional noninterest expense | $378,000 | 5,211 |
| Pre-tax net operating income | $985,000 | 3,569 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $347,000 | 2,972 |
| Income before extraordinary items | $638,000 | 4,121 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $638,000 | 4,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,638 |
| Cash dividends | $256,000 | 3,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $638,000 | 3,925 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,372,000 | 4,688 |
| Total interest expense | $392,000 | 5,096 |
| Net interest income | $980,000 | 4,460 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $105,000 | 5,786 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $52,000 | 5,093 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $53,000 | 5,163 |
| Total noninterest expense | $614,000 | 5,261 |
| Salaries and employee benefits | $382,000 | 4,772 |
| Premises and equipment expense | $30,000 | 7,859 |
| Additional noninterest expense | $202,000 | 4,939 |
| Pre-tax net operating income | $471,000 | 3,641 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $163,000 | 3,077 |
| Income before extraordinary items | $308,000 | 4,159 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $308,000 | 4,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,384 |
| Cash dividends | $256,000 | 1,927 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $308,000 | 3,971 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,624,000 | 4,758 |
| Total interest expense | $1,702,000 | 5,325 |
| Net interest income | $3,922,000 | 4,409 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $426,000 | 5,620 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $220,000 | 4,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $206,000 | 4,956 |
| Total noninterest expense | $2,476,000 | 5,112 |
| Salaries and employee benefits | $1,514,000 | 4,666 |
| Premises and equipment expense | $163,000 | 7,269 |
| Additional noninterest expense | $799,000 | 4,925 |
| Pre-tax net operating income | $1,872,000 | 3,583 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $640,000 | 3,014 |
| Income before extraordinary items | $1,232,000 | 4,007 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,232,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,332 |
| Cash dividends | $456,000 | 3,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,232,000 | 3,902 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,998,000 | 4,960 |
| Total interest expense | $2,253,000 | 5,745 |
| Net interest income | $3,745,000 | 4,343 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $463,000 | 5,277 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $218,000 | 4,968 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $245,000 | 4,522 |
| Total noninterest expense | $2,497,000 | 4,957 |
| Salaries and employee benefits | $1,458,000 | 4,615 |
| Premises and equipment expense | $140,000 | 7,691 |
| Additional noninterest expense | $899,000 | 4,412 |
| Pre-tax net operating income | $1,711,000 | 3,538 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $575,000 | 3,047 |
| Income before extraordinary items | $1,136,000 | 3,949 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,136,000 | 3,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $432,000 | 3,714 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,136,000 | 3,814 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,052,000 | 5,048 |
| Total interest expense | $2,268,000 | 5,880 |
| Net interest income | $3,784,000 | 4,368 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $434,000 | 5,307 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $217,000 | 4,907 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 4,604 |
| Total noninterest expense | $2,239,000 | 5,273 |
| Salaries and employee benefits | $1,391,000 | 4,643 |
| Premises and equipment expense | $158,000 | 7,469 |
| Additional noninterest expense | $690,000 | 5,225 |
| Pre-tax net operating income | $1,979,000 | 3,349 |
| Securities gains (losses) | $10,000 | 1,158 |
| Applicable income taxes | $676,000 | 2,871 |
| Income before extraordinary items | $1,313,000 | 3,613 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,313,000 | 3,613 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 9,264 |
| Cash dividends | $400,000 | 3,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,306,400 | 3,607 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,779,000 | 5,075 |
| Total interest expense | $2,097,000 | 5,818 |
| Net interest income | $3,682,000 | 4,482 |
| Provision for loan and lease losses | $60,000 | 6,124 |
| Total noninterest income | $426,000 | 5,428 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $233,000 | 4,702 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $193,000 | 5,023 |
| Total noninterest expense | $2,292,000 | 5,175 |
| Salaries and employee benefits | $1,398,000 | 4,592 |
| Premises and equipment expense | $137,000 | 7,887 |
| Additional noninterest expense | $757,000 | 4,984 |
| Pre-tax net operating income | $1,756,000 | 3,679 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $569,000 | 3,338 |
| Income before extraordinary items | $1,187,000 | 3,910 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,187,000 | 3,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 9,384 |
| Cash dividends | $376,000 | 4,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,187,000 | 3,874 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,817,000 | 5,120 |
| Total interest expense | $2,343,000 | 5,606 |
| Net interest income | $3,474,000 | 4,633 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $443,000 | 5,305 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $243,000 | 4,581 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 4,955 |
| Total noninterest expense | $2,152,000 | 5,305 |
| Salaries and employee benefits | $1,311,000 | 4,727 |
| Premises and equipment expense | $150,000 | 7,646 |
| Additional noninterest expense | $691,000 | 5,222 |
| Pre-tax net operating income | $1,705,000 | 3,792 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $574,000 | 3,514 |
| Income before extraordinary items | $1,131,000 | 4,102 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,131,000 | 4,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 9,413 |
| Cash dividends | $352,000 | 4,239 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,131,000 | 4,016 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,735,000 | 5,234 |
| Total interest expense | $2,278,000 | 5,750 |
| Net interest income | $3,457,000 | 4,775 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $451,000 | 5,322 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $234,000 | 4,860 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $217,000 | 4,759 |
| Total noninterest expense | $2,076,000 | 5,510 |
| Salaries and employee benefits | $1,249,000 | 4,934 |
| Premises and equipment expense | $176,000 | 7,266 |
| Additional noninterest expense | $651,000 | 5,498 |
| Pre-tax net operating income | $1,772,000 | 3,908 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $609,000 | 3,622 |
| Income before extraordinary items | $1,163,000 | 4,164 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,163,000 | 4,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,227 |
| Cash dividends | $336,000 | 4,321 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,163,000 | 4,102 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,603,000 | 5,443 |
| Total interest expense | $2,168,000 | 6,094 |
| Net interest income | $3,435,000 | 4,900 |
| Provision for loan and lease losses | $60,000 | 6,086 |
| Total noninterest income | $445,000 | 5,589 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,935 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $203,000 | 5,117 |
| Total noninterest expense | $2,030,000 | 5,884 |
| Salaries and employee benefits | $1,251,000 | 5,014 |
| Premises and equipment expense | $155,000 | 7,939 |
| Additional noninterest expense | $624,000 | 6,204 |
| Pre-tax net operating income | $1,790,000 | 3,746 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $622,000 | 3,482 |
| Income before extraordinary items | $1,167,000 | 3,959 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,167,000 | 3,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,441 |
| Cash dividends | $320,000 | 4,362 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,167,650 | 3,909 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,555,000 | 5,547 |
| Total interest expense | $2,110,000 | 6,250 |
| Net interest income | $3,445,000 | 4,927 |
| Provision for loan and lease losses | $60,000 | 5,704 |
| Total noninterest income | $432,000 | 5,683 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $244,000 | 5,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $188,000 | 5,298 |
| Total noninterest expense | $1,998,000 | 5,984 |
| Salaries and employee benefits | $1,197,000 | 5,226 |
| Premises and equipment expense | $137,000 | 8,597 |
| Additional noninterest expense | $664,000 | 6,098 |
| Pre-tax net operating income | $1,819,000 | 3,811 |
| Securities gains (losses) | $8,000 | 2,536 |
| Applicable income taxes | $638,000 | 3,505 |
| Income before extraordinary items | $1,189,000 | 3,994 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,189,000 | 3,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $304,000 | 4,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,183,800 | 3,986 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,202,000 | 5,486 |
| Total interest expense | $1,693,000 | 6,343 |
| Net interest income | $3,509,000 | 4,934 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $393,000 | 6,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $228,000 | 5,375 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,902 |
| Total noninterest expense | $2,055,000 | 6,063 |
| Salaries and employee benefits | $1,210,000 | 5,206 |
| Premises and equipment expense | $154,000 | 8,443 |
| Additional noninterest expense | $691,000 | 6,389 |
| Pre-tax net operating income | $1,727,000 | 3,906 |
| Securities gains (losses) | $-257,000 | 12,048 |
| Applicable income taxes | $473,000 | 4,228 |
| Income before extraordinary items | $997,000 | 4,561 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $997,000 | 4,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 10,519 |
| Cash dividends | $288,000 | 4,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,171,760 | 3,984 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,097,000 | 5,682 |
| Total interest expense | $1,582,000 | 6,933 |
| Net interest income | $3,515,000 | 4,941 |
| Provision for loan and lease losses | $120,000 | 5,200 |
| Total noninterest income | $395,000 | 6,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,509 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $170,000 | 6,167 |
| Total noninterest expense | $2,025,000 | 6,266 |
| Salaries and employee benefits | $1,199,000 | 5,249 |
| Premises and equipment expense | $148,000 | 8,964 |
| Additional noninterest expense | $678,000 | 6,722 |
| Pre-tax net operating income | $1,765,000 | 3,754 |
| Securities gains (losses) | $23,000 | 4,484 |
| Applicable income taxes | $613,000 | 3,532 |
| Income before extraordinary items | $1,175,000 | 4,094 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,175,000 | 4,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 8,132 |
| Cash dividends | $272,000 | 4,660 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,159,820 | 3,942 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,195,000 | 6,184 |
| Total interest expense | $1,984,000 | 7,147 |
| Net interest income | $3,211,000 | 5,391 |
| Provision for loan and lease losses | $95,000 | 7,436 |
| Total noninterest income | $413,000 | 6,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $238,000 | 5,314 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $175,000 | 6,128 |
| Total noninterest expense | $1,994,000 | 6,396 |
| Salaries and employee benefits | $1,191,000 | 5,203 |
| Premises and equipment expense | $172,000 | 8,516 |
| Additional noninterest expense | $631,000 | 7,246 |
| Pre-tax net operating income | $1,535,000 | 3,967 |
| Securities gains (losses) | $-47,000 | 13,665 |
| Applicable income taxes | $495,000 | 4,036 |
| Income before extraordinary items | $993,000 | 4,536 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $993,000 | 4,579 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 9,510 |
| Cash dividends | $248,000 | 4,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,024,490 | 4,086 |
* 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.