Bank USA, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $6,782,000 | 3,538 |
| Total interest expense | $3,327,000 | 2,622 |
| Net interest income | $3,455,000 | 4,161 |
| Provision for loan and lease losses | $6,155,000 | 905 |
| Total noninterest income | $-119,000 | 7,929 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $19,000 | 6,883 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-138,000 | 7,840 |
| Total noninterest expense | $4,085,000 | 3,441 |
| Salaries and employee benefits | $1,541,000 | 4,300 |
| Premises and equipment expense | $961,000 | 2,107 |
| Additional noninterest expense | $1,583,000 | 3,147 |
| Pre-tax net operating income | $-6,904,000 | 7,617 |
| Securities gains (losses) | $-208,000 | 7,593 |
| Applicable income taxes | $-2,879,000 | 7,800 |
| Income before extraordinary items | $-4,233,000 | 7,507 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-4,233,000 | 7,507 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-4,233,000 | 7,507 |
| Net charge-offs | $3,794,000 | 1,017 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,099,880 | 7,503 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $4,617,000 | 3,517 |
| Total interest expense | $2,313,000 | 2,628 |
| Net interest income | $2,304,000 | 4,138 |
| Provision for loan and lease losses | $6,110,000 | 646 |
| Total noninterest income | $2,000 | 7,912 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $14,000 | 6,894 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-12,000 | 7,837 |
| Total noninterest expense | $2,685,000 | 3,515 |
| Salaries and employee benefits | $1,100,000 | 4,138 |
| Premises and equipment expense | $637,000 | 2,137 |
| Additional noninterest expense | $948,000 | 3,415 |
| Pre-tax net operating income | $-6,489,000 | 7,818 |
| Securities gains (losses) | $32,000 | 2,141 |
| Applicable income taxes | $-2,512,000 | 7,937 |
| Income before extraordinary items | $-3,945,000 | 7,722 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-3,945,000 | 7,721 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-3,945,000 | 7,721 |
| Net charge-offs | $3,135,000 | 833 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-3,965,480 | 7,728 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,392,000 | 3,455 |
| Total interest expense | $1,204,000 | 2,626 |
| Net interest income | $1,188,000 | 4,063 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $17,000 | 7,517 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $7,000 | 6,895 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $10,000 | 6,874 |
| Total noninterest expense | $1,341,000 | 3,451 |
| Salaries and employee benefits | $679,000 | 3,556 |
| Premises and equipment expense | $326,000 | 2,143 |
| Additional noninterest expense | $336,000 | 4,071 |
| Pre-tax net operating income | $-181,000 | 6,852 |
| Securities gains (losses) | $6,000 | 2,034 |
| Applicable income taxes | $-67,000 | 7,483 |
| Income before extraordinary items | $-108,000 | 6,828 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-108,000 | 6,829 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-108,000 | 6,829 |
| Net charge-offs | $37,000 | 3,818 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-111,840 | 6,747 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,496,000 | 2,928 |
| Total interest expense | $5,499,000 | 2,725 |
| Net interest income | $6,997,000 | 3,052 |
| Provision for loan and lease losses | $1,140,000 | 2,515 |
| Total noninterest income | $451,000 | 5,051 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $22,000 | 7,014 |
| Trading account gains and fees | $360,000 | 93 |
| Additional Noninterest Income | $69,000 | 6,401 |
| Total noninterest expense | $5,136,000 | 3,487 |
| Salaries and employee benefits | $2,750,000 | 3,497 |
| Premises and equipment expense | $1,305,000 | 2,073 |
| Additional noninterest expense | $1,081,000 | 4,591 |
| Pre-tax net operating income | $1,172,000 | 3,453 |
| Securities gains (losses) | $-12,579,000 | 8,188 |
| Applicable income taxes | $-4,560,000 | 8,086 |
| Income before extraordinary items | $-6,847,000 | 7,904 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,847,000 | 7,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 3,586 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,203,560 | 3,052 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,591,000 | 2,920 |
| Total interest expense | $4,139,000 | 2,826 |
| Net interest income | $5,452,000 | 2,973 |
| Provision for loan and lease losses | $495,000 | 2,741 |
| Total noninterest income | $437,000 | 4,649 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $14,000 | 7,112 |
| Trading account gains and fees | $361,000 | 84 |
| Additional Noninterest Income | $62,000 | 6,314 |
| Total noninterest expense | $3,686,000 | 3,611 |
| Salaries and employee benefits | $1,997,000 | 3,619 |
| Premises and equipment expense | $971,000 | 2,097 |
| Additional noninterest expense | $718,000 | 4,876 |
| Pre-tax net operating income | $1,708,000 | 2,574 |
| Securities gains (losses) | $-11,859,000 | 8,292 |
| Applicable income taxes | $-4,018,000 | 8,250 |
| Income before extraordinary items | $-6,133,000 | 8,156 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-6,133,000 | 8,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 4,708 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,456,760 | 2,488 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,547,000 | 2,901 |
| Total interest expense | $2,751,000 | 2,927 |
| Net interest income | $3,796,000 | 2,843 |
| Provision for loan and lease losses | $90,000 | 4,395 |
| Total noninterest income | $393,000 | 4,045 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $9,000 | 7,166 |
| Trading account gains and fees | $363,000 | 80 |
| Additional Noninterest Income | $21,000 | 7,150 |
| Total noninterest expense | $2,422,000 | 3,668 |
| Salaries and employee benefits | $1,312,000 | 3,696 |
| Premises and equipment expense | $633,000 | 2,137 |
| Additional noninterest expense | $477,000 | 4,884 |
| Pre-tax net operating income | $1,677,000 | 1,983 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $650,000 | 1,304 |
| Income before extraordinary items | $1,034,000 | 2,501 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,034,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,802 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,029,520 | 2,471 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,227,000 | 3,015 |
| Total interest expense | $1,390,000 | 3,082 |
| Net interest income | $1,837,000 | 2,914 |
| Provision for loan and lease losses | $45,000 | 3,899 |
| Total noninterest income | $222,000 | 3,775 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $4,000 | 7,199 |
| Trading account gains and fees | $200,000 | 85 |
| Additional Noninterest Income | $18,000 | 6,579 |
| Total noninterest expense | $1,177,000 | 3,757 |
| Salaries and employee benefits | $620,000 | 3,879 |
| Premises and equipment expense | $314,000 | 2,167 |
| Additional noninterest expense | $243,000 | 4,780 |
| Pre-tax net operating income | $837,000 | 2,064 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $315,000 | 1,427 |
| Income before extraordinary items | $522,000 | 2,595 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $522,000 | 2,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $522,000 | 2,524 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $10,681,000 | 3,607 |
| Total interest expense | $5,350,000 | 3,301 |
| Net interest income | $5,331,000 | 3,809 |
| Provision for loan and lease losses | $180,000 | 4,023 |
| Total noninterest income | $-6,000 | 8,488 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $18,000 | 7,177 |
| Trading account gains and fees | $-210,000 | 8,485 |
| Additional Noninterest Income | $186,000 | 5,209 |
| Total noninterest expense | $4,640,000 | 3,665 |
| Salaries and employee benefits | $2,682,000 | 3,530 |
| Premises and equipment expense | $1,143,000 | 2,280 |
| Additional noninterest expense | $815,000 | 5,289 |
| Pre-tax net operating income | $505,000 | 5,982 |
| Securities gains (losses) | $-3,000 | 7,272 |
| Applicable income taxes | $199,000 | 3,855 |
| Income before extraordinary items | $303,000 | 6,411 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $303,000 | 6,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $304,920 | 6,392 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $7,774,000 | 3,687 |
| Total interest expense | $3,948,000 | 3,331 |
| Net interest income | $3,826,000 | 3,947 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $153,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $8,000 | 7,322 |
| Trading account gains and fees | $52,000 | 138 |
| Additional Noninterest Income | $93,000 | 5,922 |
| Total noninterest expense | $3,471,000 | 3,658 |
| Salaries and employee benefits | $2,010,000 | 3,515 |
| Premises and equipment expense | $828,000 | 2,334 |
| Additional noninterest expense | $633,000 | 5,126 |
| Pre-tax net operating income | $373,000 | 6,274 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $152,000 | 4,029 |
| Income before extraordinary items | $221,000 | 6,707 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $221,000 | 6,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $221,000 | 6,699 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $5,316,000 | 3,620 |
| Total interest expense | $2,640,000 | 3,302 |
| Net interest income | $2,676,000 | 3,841 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $86,000 | 7,025 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $5,000 | 7,379 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $81,000 | 5,499 |
| Total noninterest expense | $2,285,000 | 3,721 |
| Salaries and employee benefits | $1,345,000 | 3,536 |
| Premises and equipment expense | $544,000 | 2,375 |
| Additional noninterest expense | $396,000 | 5,327 |
| Pre-tax net operating income | $387,000 | 5,573 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $156,000 | 3,593 |
| Income before extraordinary items | $231,000 | 6,144 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $231,000 | 6,143 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $231,000 | 6,132 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,567,000 | 3,707 |
| Total interest expense | $1,305,000 | 3,313 |
| Net interest income | $1,262,000 | 3,999 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $53,000 | 6,742 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $3,000 | 7,373 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $50,000 | 5,113 |
| Total noninterest expense | $1,133,000 | 3,735 |
| Salaries and employee benefits | $675,000 | 3,557 |
| Premises and equipment expense | $270,000 | 2,411 |
| Additional noninterest expense | $188,000 | 5,464 |
| Pre-tax net operating income | $137,000 | 6,206 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $56,000 | 3,993 |
| Income before extraordinary items | $81,000 | 6,696 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $81,000 | 6,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $81,000 | 6,681 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $11,759,000 | 3,152 |
| Total interest expense | $5,712,000 | 2,699 |
| Net interest income | $6,047,000 | 3,502 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $80,000 | 7,945 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $80,000 | 6,674 |
| Total noninterest expense | $4,867,000 | 3,421 |
| Salaries and employee benefits | $2,478,000 | 3,631 |
| Premises and equipment expense | $1,251,000 | 2,002 |
| Additional noninterest expense | $1,138,000 | 4,102 |
| Pre-tax net operating income | $1,080,000 | 5,021 |
| Securities gains (losses) | $-293,000 | 8,441 |
| Applicable income taxes | $317,000 | 3,738 |
| Income before extraordinary items | $470,000 | 6,258 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $470,000 | 6,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $657,520 | 5,609 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $8,680,000 | 3,167 |
| Total interest expense | $4,361,000 | 2,588 |
| Net interest income | $4,319,000 | 3,652 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $33,000 | 8,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $33,000 | 7,424 |
| Total noninterest expense | $3,586,000 | 3,462 |
| Salaries and employee benefits | $1,839,000 | 3,664 |
| Premises and equipment expense | $974,000 | 1,950 |
| Additional noninterest expense | $773,000 | 4,385 |
| Pre-tax net operating income | $631,000 | 5,750 |
| Securities gains (losses) | $-293,000 | 8,585 |
| Applicable income taxes | $133,000 | 4,616 |
| Income before extraordinary items | $205,000 | 7,200 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $205,000 | 7,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $392,520 | 6,270 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $5,855,000 | 3,083 |
| Total interest expense | $2,969,000 | 2,460 |
| Net interest income | $2,886,000 | 3,650 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $23,000 | 8,387 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,410 |
| Total noninterest expense | $2,315,000 | 3,554 |
| Salaries and employee benefits | $1,241,000 | 3,644 |
| Premises and equipment expense | $680,000 | 1,855 |
| Additional noninterest expense | $394,000 | 5,258 |
| Pre-tax net operating income | $504,000 | 5,384 |
| Securities gains (losses) | $-308,000 | 8,665 |
| Applicable income taxes | $77,000 | 4,811 |
| Income before extraordinary items | $119,000 | 7,389 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $119,000 | 7,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $316,120 | 5,903 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 2,944 |
| Total interest expense | $1,518,000 | 2,310 |
| Net interest income | $1,517,000 | 3,514 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $10,000 | 8,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $10,000 | 7,545 |
| Total noninterest expense | $1,126,000 | 3,651 |
| Salaries and employee benefits | $620,000 | 3,661 |
| Premises and equipment expense | $323,000 | 1,959 |
| Additional noninterest expense | $183,000 | 5,453 |
| Pre-tax net operating income | $356,000 | 4,550 |
| Securities gains (losses) | $-165,000 | 8,700 |
| Applicable income taxes | $75,000 | 3,953 |
| Income before extraordinary items | $116,000 | 6,470 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $116,000 | 6,470 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $221,600 | 5,103 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,585,000 | 3,261 |
| Total interest expense | $4,260,000 | 2,522 |
| Net interest income | $5,325,000 | 3,779 |
| Provision for loan and lease losses | $180,000 | 3,751 |
| Total noninterest income | $919,000 | 3,758 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $919,000 | 2,334 |
| Total noninterest expense | $4,217,000 | 3,713 |
| Salaries and employee benefits | $2,302,000 | 3,718 |
| Premises and equipment expense | $1,114,000 | 2,156 |
| Additional noninterest expense | $801,000 | 5,167 |
| Pre-tax net operating income | $1,847,000 | 3,877 |
| Securities gains (losses) | $28,000 | 1,142 |
| Applicable income taxes | $741,000 | 2,723 |
| Income before extraordinary items | $1,134,000 | 4,490 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,134,000 | 4,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,116,080 | 4,481 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,900,000 | 3,313 |
| Total interest expense | $2,892,000 | 2,609 |
| Net interest income | $4,008,000 | 3,756 |
| Provision for loan and lease losses | $135,000 | 3,636 |
| Total noninterest income | $644,000 | 3,906 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $644,000 | 2,448 |
| Total noninterest expense | $3,267,000 | 3,603 |
| Salaries and employee benefits | $1,820,000 | 3,541 |
| Premises and equipment expense | $815,000 | 2,193 |
| Additional noninterest expense | $632,000 | 4,948 |
| Pre-tax net operating income | $1,250,000 | 4,213 |
| Securities gains (losses) | $28,000 | 1,098 |
| Applicable income taxes | $505,000 | 2,915 |
| Income before extraordinary items | $773,000 | 4,845 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $773,000 | 4,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $755,080 | 4,865 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,459,000 | 3,336 |
| Total interest expense | $1,764,000 | 2,671 |
| Net interest income | $2,695,000 | 3,695 |
| Provision for loan and lease losses | $90,000 | 3,491 |
| Total noninterest income | $165,000 | 6,152 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $165,000 | 4,110 |
| Total noninterest expense | $2,212,000 | 3,531 |
| Salaries and employee benefits | $1,244,000 | 3,455 |
| Premises and equipment expense | $564,000 | 2,102 |
| Additional noninterest expense | $404,000 | 5,051 |
| Pre-tax net operating income | $558,000 | 5,189 |
| Securities gains (losses) | $21,000 | 1,089 |
| Applicable income taxes | $229,000 | 3,559 |
| Income before extraordinary items | $350,000 | 5,788 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $350,000 | 5,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $336,560 | 5,832 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,059,000 | 3,506 |
| Total interest expense | $804,000 | 2,775 |
| Net interest income | $1,255,000 | 3,914 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $133,000 | 5,024 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,203 |
| Total noninterest expense | $1,101,000 | 3,560 |
| Salaries and employee benefits | $635,000 | 3,395 |
| Premises and equipment expense | $304,000 | 1,976 |
| Additional noninterest expense | $162,000 | 5,752 |
| Pre-tax net operating income | $242,000 | 5,520 |
| Securities gains (losses) | $4,000 | 1,261 |
| Applicable income taxes | $97,000 | 3,813 |
| Income before extraordinary items | $149,000 | 6,118 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $149,000 | 6,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $146,440 | 6,108 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,377,000 | 3,649 |
| Total interest expense | $2,335,000 | 3,220 |
| Net interest income | $5,042,000 | 3,782 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $664,000 | 4,548 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $664,000 | 2,805 |
| Total noninterest expense | $4,735,000 | 3,284 |
| Salaries and employee benefits | $2,592,000 | 3,248 |
| Premises and equipment expense | $1,111,000 | 2,067 |
| Additional noninterest expense | $1,032,000 | 4,223 |
| Pre-tax net operating income | $791,000 | 5,821 |
| Securities gains (losses) | $80,000 | 1,394 |
| Applicable income taxes | $269,000 | 4,353 |
| Income before extraordinary items | $602,000 | 5,940 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $602,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,703 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $546,800 | 6,093 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,558,000 | 3,608 |
| Total interest expense | $1,659,000 | 3,309 |
| Net interest income | $3,899,000 | 3,674 |
| Provision for loan and lease losses | $135,000 | 3,719 |
| Total noninterest income | $397,000 | 5,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $397,000 | 3,205 |
| Total noninterest expense | $3,544,000 | 3,270 |
| Salaries and employee benefits | $1,977,000 | 3,163 |
| Premises and equipment expense | $818,000 | 2,100 |
| Additional noninterest expense | $749,000 | 4,293 |
| Pre-tax net operating income | $617,000 | 5,825 |
| Securities gains (losses) | $77,000 | 1,352 |
| Applicable income taxes | $274,000 | 3,933 |
| Income before extraordinary items | $420,000 | 6,198 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $420,000 | 6,198 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,695 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $370,720 | 6,420 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,751,000 | 3,562 |
| Total interest expense | $1,085,000 | 3,346 |
| Net interest income | $2,666,000 | 3,589 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $292,000 | 4,893 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $292,000 | 3,038 |
| Total noninterest expense | $2,313,000 | 3,341 |
| Salaries and employee benefits | $1,282,000 | 3,262 |
| Premises and equipment expense | $533,000 | 2,142 |
| Additional noninterest expense | $498,000 | 4,324 |
| Pre-tax net operating income | $555,000 | 5,038 |
| Securities gains (losses) | $35,000 | 1,694 |
| Applicable income taxes | $233,000 | 3,507 |
| Income before extraordinary items | $357,000 | 5,616 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $357,000 | 5,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 8,767 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $334,600 | 5,704 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,874,000 | 3,571 |
| Total interest expense | $532,000 | 3,455 |
| Net interest income | $1,342,000 | 3,564 |
| Provision for loan and lease losses | $45,000 | 3,437 |
| Total noninterest income | $188,000 | 4,196 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $188,000 | 2,570 |
| Total noninterest expense | $1,159,000 | 3,320 |
| Salaries and employee benefits | $646,000 | 3,241 |
| Premises and equipment expense | $248,000 | 2,331 |
| Additional noninterest expense | $265,000 | 4,125 |
| Pre-tax net operating income | $326,000 | 4,619 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $130,000 | 3,350 |
| Income before extraordinary items | $199,000 | 5,359 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $199,000 | 5,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $197,080 | 5,255 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,081,000 | 3,415 |
| Total interest expense | $2,478,000 | 3,359 |
| Net interest income | $5,603,000 | 3,374 |
| Provision for loan and lease losses | $180,000 | 4,206 |
| Total noninterest income | $457,000 | 5,657 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $457,000 | 3,734 |
| Total noninterest expense | $4,256,000 | 3,522 |
| Salaries and employee benefits | $2,571,000 | 3,199 |
| Premises and equipment expense | $792,000 | 2,785 |
| Additional noninterest expense | $893,000 | 4,656 |
| Pre-tax net operating income | $1,624,000 | 3,918 |
| Securities gains (losses) | $228,000 | 1,248 |
| Applicable income taxes | $732,000 | 2,701 |
| Income before extraordinary items | $1,120,000 | 4,311 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,120,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 1,763 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $974,080 | 4,547 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,045,000 | 3,468 |
| Total interest expense | $1,954,000 | 3,340 |
| Net interest income | $4,091,000 | 3,463 |
| Provision for loan and lease losses | $135,000 | 4,077 |
| Total noninterest income | $234,000 | 6,559 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $234,000 | 4,500 |
| Total noninterest expense | $3,115,000 | 3,590 |
| Salaries and employee benefits | $1,885,000 | 3,256 |
| Premises and equipment expense | $575,000 | 2,873 |
| Additional noninterest expense | $655,000 | 4,708 |
| Pre-tax net operating income | $1,075,000 | 4,370 |
| Securities gains (losses) | $206,000 | 1,212 |
| Applicable income taxes | $507,000 | 2,996 |
| Income before extraordinary items | $774,000 | 4,694 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $774,000 | 4,695 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,162 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $642,160 | 5,036 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,168,000 | 3,392 |
| Total interest expense | $1,400,000 | 3,245 |
| Net interest income | $2,768,000 | 3,408 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $175,000 | 6,289 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $175,000 | 4,284 |
| Total noninterest expense | $1,970,000 | 3,743 |
| Salaries and employee benefits | $1,195,000 | 3,368 |
| Premises and equipment expense | $358,000 | 3,023 |
| Additional noninterest expense | $417,000 | 4,855 |
| Pre-tax net operating income | $883,000 | 3,802 |
| Securities gains (losses) | $148,000 | 1,234 |
| Applicable income taxes | $408,000 | 2,644 |
| Income before extraordinary items | $623,000 | 4,179 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $623,000 | 4,178 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $173,000 | 1,812 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $528,280 | 4,444 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,096,000 | 3,389 |
| Total interest expense | $706,000 | 3,299 |
| Net interest income | $1,390,000 | 3,383 |
| Provision for loan and lease losses | $45,000 | 3,818 |
| Total noninterest income | $99,000 | 5,941 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $99,000 | 3,949 |
| Total noninterest expense | $952,000 | 3,818 |
| Salaries and employee benefits | $522,000 | 3,774 |
| Premises and equipment expense | $177,000 | 3,056 |
| Additional noninterest expense | $253,000 | 4,171 |
| Pre-tax net operating income | $492,000 | 3,540 |
| Securities gains (losses) | $99,000 | 1,010 |
| Applicable income taxes | $234,000 | 2,436 |
| Income before extraordinary items | $357,000 | 3,753 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $357,000 | 3,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $293,640 | 4,114 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,250,000 | 7,596 |
| Total interest expense | $788,000 | 7,552 |
| Net interest income | $1,462,000 | 7,495 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $285,000 | 6,584 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $285,000 | 4,363 |
| Total noninterest expense | $907,000 | 8,139 |
| Salaries and employee benefits | $515,000 | 8,086 |
| Premises and equipment expense | $156,000 | 7,363 |
| Additional noninterest expense | $236,000 | 8,278 |
| Pre-tax net operating income | $780,000 | 5,831 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $308,000 | 4,398 |
| Income before extraordinary items | $472,000 | 6,528 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $472,000 | 6,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 5,060 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-2,750,000 | 9,341 |
| Net operating income | $472,000 | 6,386 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,508,000 | 2,945 |
| Total interest expense | $6,516,000 | 2,463 |
| Net interest income | $4,992,000 | 3,431 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $670,000 | 4,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $670,000 | 2,640 |
| Total noninterest expense | $3,338,000 | 3,980 |
| Salaries and employee benefits | $2,097,000 | 3,459 |
| Premises and equipment expense | $565,000 | 3,538 |
| Additional noninterest expense | $676,000 | 5,413 |
| Pre-tax net operating income | $2,234,000 | 2,921 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $832,000 | 2,359 |
| Income before extraordinary items | $1,402,000 | 3,395 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,402,000 | 3,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,653 |
| Cash dividends | $600,000 | 3,121 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,402,000 | 3,296 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,832,000 | 2,932 |
| Total interest expense | $6,977,000 | 2,412 |
| Net interest income | $4,855,000 | 3,567 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $344,000 | 5,931 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $344,000 | 3,654 |
| Total noninterest expense | $3,124,000 | 4,093 |
| Salaries and employee benefits | $1,959,000 | 3,527 |
| Premises and equipment expense | $604,000 | 3,257 |
| Additional noninterest expense | $561,000 | 6,009 |
| Pre-tax net operating income | $2,075,000 | 3,232 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $426,000 | 3,856 |
| Income before extraordinary items | $1,649,000 | 3,007 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,649,000 | 3,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 9,244 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,649,000 | 2,996 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,814,000 | 3,591 |
| Total interest expense | $4,388,000 | 3,318 |
| Net interest income | $4,426,000 | 3,845 |
| Provision for loan and lease losses | $275,000 | 2,860 |
| Total noninterest income | $455,000 | 5,253 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $455,000 | 3,139 |
| Total noninterest expense | $2,993,000 | 4,217 |
| Salaries and employee benefits | $1,744,000 | 3,844 |
| Premises and equipment expense | $515,000 | 3,672 |
| Additional noninterest expense | $734,000 | 5,082 |
| Pre-tax net operating income | $1,613,000 | 3,903 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-37,000 | 9,782 |
| Income before extraordinary items | $1,650,000 | 3,008 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,650,000 | 3,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 9,726 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,650,000 | 2,973 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,223,000 | 5,501 |
| Total interest expense | $2,871,000 | 4,882 |
| Net interest income | $2,352,000 | 6,060 |
| Provision for loan and lease losses | $35,000 | 7,178 |
| Total noninterest income | $1,108,000 | 2,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,108,000 | 1,722 |
| Total noninterest expense | $2,954,000 | 4,171 |
| Salaries and employee benefits | $1,693,000 | 3,850 |
| Premises and equipment expense | $502,000 | 3,683 |
| Additional noninterest expense | $759,000 | 4,855 |
| Pre-tax net operating income | $471,000 | 7,527 |
| Securities gains (losses) | $471,000 | 576 |
| Applicable income taxes | $1,000 | 9,299 |
| Income before extraordinary items | $941,000 | 4,682 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $941,000 | 4,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 9,764 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,238,000 | 442 |
| Net operating income | $470,000 | 6,680 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,633,000 | 6,102 |
| Total interest expense | $2,685,000 | 5,127 |
| Net interest income | $1,948,000 | 7,032 |
| Provision for loan and lease losses | $25,000 | 7,608 |
| Total noninterest income | $428,000 | 5,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $428,000 | 3,147 |
| Total noninterest expense | $2,900,000 | 4,210 |
| Salaries and employee benefits | $1,679,000 | 3,871 |
| Premises and equipment expense | $508,000 | 3,653 |
| Additional noninterest expense | $713,000 | 5,148 |
| Pre-tax net operating income | $-549,000 | 10,756 |
| Securities gains (losses) | $218,000 | 670 |
| Applicable income taxes | $1,000 | 10,030 |
| Income before extraordinary items | $-332,000 | 10,693 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-332,000 | 10,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,728 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 640 |
| Net operating income | $-550,000 | 10,752 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,253,000 | 5,718 |
| Total interest expense | $3,208,000 | 4,508 |
| Net interest income | $2,045,000 | 7,052 |
| Provision for loan and lease losses | $19,000 | 8,051 |
| Total noninterest income | $680,000 | 4,198 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $680,000 | 2,357 |
| Total noninterest expense | $2,718,000 | 4,679 |
| Salaries and employee benefits | $1,583,000 | 4,105 |
| Premises and equipment expense | $578,000 | 3,333 |
| Additional noninterest expense | $557,000 | 6,637 |
| Pre-tax net operating income | $-12,000 | 10,827 |
| Securities gains (losses) | $89,000 | 1,012 |
| Applicable income taxes | $1,000 | 10,529 |
| Income before extraordinary items | $76,000 | 10,413 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $76,000 | 10,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $956,000 | 396 |
| Net operating income | $-12,110 | 10,805 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,309,000 | 6,675 |
| Total interest expense | $3,117,000 | 4,585 |
| Net interest income | $1,192,000 | 9,351 |
| Provision for loan and lease losses | $168,000 | 3,414 |
| Total noninterest income | $258,000 | 7,607 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $258,000 | 4,394 |
| Total noninterest expense | $2,137,000 | 5,711 |
| Salaries and employee benefits | $1,166,000 | 5,341 |
| Premises and equipment expense | $564,000 | 3,384 |
| Additional noninterest expense | $407,000 | 8,122 |
| Pre-tax net operating income | $-855,000 | 11,855 |
| Securities gains (losses) | $203,000 | 663 |
| Applicable income taxes | $2,000 | 11,074 |
| Income before extraordinary items | $-654,000 | 11,824 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-654,000 | 11,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,609 |
| Cash dividends | $35,000 | 8,101 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $-857,000 | 11,843 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,063,000 | 6,615 |
| Total interest expense | $2,662,000 | 4,394 |
| Net interest income | $1,401,000 | 9,152 |
| Provision for loan and lease losses | $722,000 | 1,179 |
| Total noninterest income | $84,000 | 11,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $84,000 | 8,071 |
| Total noninterest expense | $2,567,000 | 5,035 |
| Salaries and employee benefits | $1,390,000 | 4,597 |
| Premises and equipment expense | $660,000 | 2,988 |
| Additional noninterest expense | $517,000 | 7,692 |
| Pre-tax net operating income | $-1,804,000 | 12,513 |
| Securities gains (losses) | $189,000 | 518 |
| Applicable income taxes | $169,000 | 7,945 |
| Income before extraordinary items | $-1,784,000 | 12,486 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-1,784,000 | 12,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $427,000 | 1,517 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 902 |
| Net operating income | $-1,973,000 | 12,492 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $5,290,000 | 5,504 |
| Total interest expense | $3,278,000 | 3,807 |
| Net interest income | $2,012,000 | 7,636 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $172,000 | 9,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $172,000 | 6,134 |
| Total noninterest expense | $2,389,000 | 5,480 |
| Salaries and employee benefits | $1,228,000 | 5,127 |
| Premises and equipment expense | $594,000 | 3,365 |
| Additional noninterest expense | $567,000 | 7,625 |
| Pre-tax net operating income | $-365,000 | 12,799 |
| Securities gains (losses) | $532,000 | 856 |
| Applicable income taxes | $37,000 | 11,224 |
| Income before extraordinary items | $130,000 | 11,455 |
| Extraordinary gains, net | $204,000 | 998 |
| Net income | $334,000 | 9,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $133,000 | 3,932 |
| Cash dividends | $22,000 | 8,642 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 881 |
| Net operating income | $-284,960 | 12,743 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,449,000 | 5,948 |
| Total interest expense | $3,353,000 | 4,711 |
| Net interest income | $2,096,000 | 7,504 |
| Provision for loan and lease losses | $84,000 | 7,767 |
| Total noninterest income | $297,000 | 7,769 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $297,000 | 4,460 |
| Total noninterest expense | $1,802,000 | 6,939 |
| Salaries and employee benefits | $907,000 | 6,579 |
| Premises and equipment expense | $441,000 | 4,425 |
| Additional noninterest expense | $454,000 | 8,930 |
| Pre-tax net operating income | $507,000 | 8,360 |
| Securities gains (losses) | $125,000 | 2,651 |
| Applicable income taxes | $73,000 | 10,632 |
| Income before extraordinary items | $559,000 | 6,861 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $559,000 | 6,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 8,990 |
| Cash dividends | $30,000 | 8,198 |
| Sale, conversion, retirement of capital stock, net | $280,000 | 671 |
| Net operating income | $449,000 | 7,391 |
* 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.