Home > Benjamin Franklin Bank > Income and Expense
Benjamin Franklin Bank, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $11,727,000 | 746 |
| Total interest expense | $4,854,000 | 689 |
| Net interest income | $6,873,000 | 772 |
| Provision for loan and lease losses | $2,268,000 | 689 |
| Total noninterest income | $1,213,000 | 1,098 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $378,000 | 1,106 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $835,000 | 978 |
| Total noninterest expense | $8,355,000 | 612 |
| Salaries and employee benefits | $5,052,000 | 505 |
| Premises and equipment expense | $826,000 | 864 |
| Additional noninterest expense | $2,477,000 | 687 |
| Pre-tax net operating income | $-2,537,000 | 7,903 |
| Securities gains (losses) | $680,000 | 254 |
| Applicable income taxes | $-471,000 | 7,885 |
| Income before extraordinary items | $-1,386,000 | 7,805 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,386,000 | 7,806 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,386,000 | 7,806 |
| Net charge-offs | $435,000 | 1,459 |
| Cash dividends | $614,000 | 703 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 553 |
| Net operating income | $-1,896,000 | 7,887 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $49,651,000 | 749 |
| Total interest expense | $22,458,000 | 708 |
| Net interest income | $27,193,000 | 791 |
| Provision for loan and lease losses | $2,298,000 | 1,651 |
| Total noninterest income | $5,082,000 | 1,038 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,650,000 | 1,082 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,432,000 | 874 |
| Total noninterest expense | $24,681,000 | 807 |
| Salaries and employee benefits | $13,421,000 | 741 |
| Premises and equipment expense | $3,304,000 | 835 |
| Additional noninterest expense | $7,956,000 | 830 |
| Pre-tax net operating income | $5,296,000 | 1,050 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,829,000 | 732 |
| Income before extraordinary items | $3,467,000 | 1,204 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,467,000 | 1,204 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 4,413 |
| Cash dividends | $4,840,000 | 587 |
| Sale, conversion, retirement of capital stock, net | $336,000 | 646 |
| Net operating income | $3,467,000 | 1,281 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $37,079,000 | 779 |
| Total interest expense | $17,251,000 | 724 |
| Net interest income | $19,828,000 | 826 |
| Provision for loan and lease losses | $1,129,000 | 1,706 |
| Total noninterest income | $3,887,000 | 1,072 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,222,000 | 1,109 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,665,000 | 891 |
| Total noninterest expense | $17,671,000 | 829 |
| Salaries and employee benefits | $9,927,000 | 771 |
| Premises and equipment expense | $2,503,000 | 825 |
| Additional noninterest expense | $5,241,000 | 871 |
| Pre-tax net operating income | $4,915,000 | 1,039 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,564,000 | 804 |
| Income before extraordinary items | $3,351,000 | 1,103 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,351,000 | 1,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,414 |
| Cash dividends | $4,227,000 | 528 |
| Sale, conversion, retirement of capital stock, net | $155,000 | 645 |
| Net operating income | $3,351,000 | 1,183 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $24,689,000 | 787 |
| Total interest expense | $11,743,000 | 731 |
| Net interest income | $12,946,000 | 839 |
| Provision for loan and lease losses | $682,000 | 1,562 |
| Total noninterest income | $2,647,000 | 1,057 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $780,000 | 1,143 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,867,000 | 887 |
| Total noninterest expense | $11,677,000 | 832 |
| Salaries and employee benefits | $6,618,000 | 782 |
| Premises and equipment expense | $1,682,000 | 823 |
| Additional noninterest expense | $3,377,000 | 878 |
| Pre-tax net operating income | $3,234,000 | 1,091 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,056,000 | 903 |
| Income before extraordinary items | $2,178,000 | 1,267 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,178,000 | 1,268 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,007 |
| Cash dividends | $3,614,000 | 462 |
| Sale, conversion, retirement of capital stock, net | $108,000 | 560 |
| Net operating income | $2,178,000 | 1,247 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $12,494,000 | 805 |
| Total interest expense | $6,069,000 | 758 |
| Net interest income | $6,425,000 | 841 |
| Provision for loan and lease losses | $314,000 | 1,331 |
| Total noninterest income | $1,261,000 | 1,104 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $329,000 | 1,328 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $932,000 | 899 |
| Total noninterest expense | $5,774,000 | 828 |
| Salaries and employee benefits | $3,221,000 | 800 |
| Premises and equipment expense | $870,000 | 801 |
| Additional noninterest expense | $1,683,000 | 852 |
| Pre-tax net operating income | $1,598,000 | 1,181 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $540,000 | 949 |
| Income before extraordinary items | $1,058,000 | 1,419 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,058,000 | 1,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $3,000,000 | 288 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 459 |
| Net operating income | $1,058,000 | 1,374 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $49,099,000 | 854 |
| Total interest expense | $24,479,000 | 810 |
| Net interest income | $24,620,000 | 898 |
| Provision for loan and lease losses | $634,000 | 1,984 |
| Total noninterest income | $6,922,000 | 840 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,357,000 | 1,313 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $5,565,000 | 619 |
| Total noninterest expense | $25,620,000 | 727 |
| Salaries and employee benefits | $14,647,000 | 659 |
| Premises and equipment expense | $3,172,000 | 834 |
| Additional noninterest expense | $7,801,000 | 739 |
| Pre-tax net operating income | $5,288,000 | 1,575 |
| Securities gains (losses) | $38,000 | 889 |
| Applicable income taxes | $1,583,000 | 1,362 |
| Income before extraordinary items | $3,743,000 | 1,692 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,743,000 | 1,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,979 |
| Cash dividends | $633,000 | 3,350 |
| Sale, conversion, retirement of capital stock, net | $328,000 | 620 |
| Net operating income | $3,716,400 | 1,689 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $36,674,000 | 853 |
| Total interest expense | $18,289,000 | 803 |
| Net interest income | $18,385,000 | 899 |
| Provision for loan and lease losses | $470,000 | 1,651 |
| Total noninterest income | $5,195,000 | 838 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $992,000 | 1,325 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $4,203,000 | 625 |
| Total noninterest expense | $19,358,000 | 714 |
| Salaries and employee benefits | $11,048,000 | 654 |
| Premises and equipment expense | $2,353,000 | 837 |
| Additional noninterest expense | $5,957,000 | 712 |
| Pre-tax net operating income | $3,752,000 | 1,762 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,132,000 | 1,507 |
| Income before extraordinary items | $2,620,000 | 1,928 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,620,000 | 1,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $194,000 | 2,008 |
| Cash dividends | $474,000 | 3,016 |
| Sale, conversion, retirement of capital stock, net | $173,000 | 629 |
| Net operating income | $2,620,000 | 1,914 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $24,245,000 | 867 |
| Total interest expense | $11,990,000 | 820 |
| Net interest income | $12,255,000 | 918 |
| Provision for loan and lease losses | $413,000 | 1,210 |
| Total noninterest income | $3,439,000 | 867 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $637,000 | 1,384 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,802,000 | 645 |
| Total noninterest expense | $13,083,000 | 722 |
| Salaries and employee benefits | $7,422,000 | 672 |
| Premises and equipment expense | $1,570,000 | 852 |
| Additional noninterest expense | $4,091,000 | 692 |
| Pre-tax net operating income | $2,198,000 | 1,997 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $660,000 | 1,729 |
| Income before extraordinary items | $1,538,000 | 2,168 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,538,000 | 2,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,070 |
| Cash dividends | $314,000 | 3,063 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 569 |
| Net operating income | $1,538,000 | 2,147 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $12,107,000 | 860 |
| Total interest expense | $6,002,000 | 810 |
| Net interest income | $6,105,000 | 919 |
| Provision for loan and lease losses | $183,000 | 1,252 |
| Total noninterest income | $1,719,000 | 847 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $304,000 | 1,408 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,415,000 | 625 |
| Total noninterest expense | $6,643,000 | 706 |
| Salaries and employee benefits | $3,604,000 | 695 |
| Premises and equipment expense | $812,000 | 830 |
| Additional noninterest expense | $2,227,000 | 621 |
| Pre-tax net operating income | $998,000 | 2,169 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $295,000 | 1,868 |
| Income before extraordinary items | $703,000 | 2,321 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $703,000 | 2,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,471 |
| Cash dividends | $160,000 | 2,653 |
| Sale, conversion, retirement of capital stock, net | $61,000 | 448 |
| Net operating income | $703,000 | 2,298 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $44,563,000 | 870 |
| Total interest expense | $20,819,000 | 805 |
| Net interest income | $23,744,000 | 936 |
| Provision for loan and lease losses | $186,000 | 3,661 |
| Total noninterest income | $3,272,000 | 1,496 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,249,000 | 1,435 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,023,000 | 1,338 |
| Total noninterest expense | $22,509,000 | 787 |
| Salaries and employee benefits | $11,616,000 | 822 |
| Premises and equipment expense | $2,563,000 | 977 |
| Additional noninterest expense | $8,330,000 | 654 |
| Pre-tax net operating income | $4,321,000 | 2,124 |
| Securities gains (losses) | $10,000 | 1,097 |
| Applicable income taxes | $-379,000 | 8,546 |
| Income before extraordinary items | $4,710,000 | 1,539 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,710,000 | 1,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 3,522 |
| Cash dividends | $633,000 | 3,357 |
| Sale, conversion, retirement of capital stock, net | $286,000 | 691 |
| Net operating income | $4,700,000 | 1,525 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $32,893,000 | 891 |
| Total interest expense | $14,811,000 | 834 |
| Net interest income | $18,082,000 | 941 |
| Provision for loan and lease losses | $327,000 | 2,002 |
| Total noninterest income | $4,477,000 | 960 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $911,000 | 1,480 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $3,566,000 | 705 |
| Total noninterest expense | $16,505,000 | 815 |
| Salaries and employee benefits | $8,459,000 | 863 |
| Premises and equipment expense | $1,917,000 | 991 |
| Additional noninterest expense | $6,129,000 | 678 |
| Pre-tax net operating income | $5,727,000 | 1,332 |
| Securities gains (losses) | $10,000 | 904 |
| Applicable income taxes | $2,060,000 | 1,074 |
| Income before extraordinary items | $3,677,000 | 1,519 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,677,000 | 1,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 3,024 |
| Cash dividends | $474,000 | 3,026 |
| Sale, conversion, retirement of capital stock, net | $166,000 | 627 |
| Net operating income | $3,670,600 | 1,502 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $21,444,000 | 888 |
| Total interest expense | $9,405,000 | 827 |
| Net interest income | $12,039,000 | 945 |
| Provision for loan and lease losses | $127,000 | 2,911 |
| Total noninterest income | $2,812,000 | 1,001 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $584,000 | 1,526 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,228,000 | 749 |
| Total noninterest expense | $10,767,000 | 830 |
| Salaries and employee benefits | $5,409,000 | 909 |
| Premises and equipment expense | $1,278,000 | 990 |
| Additional noninterest expense | $4,080,000 | 681 |
| Pre-tax net operating income | $3,957,000 | 1,277 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,436,000 | 1,042 |
| Income before extraordinary items | $2,521,000 | 1,474 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,521,000 | 1,475 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $314,000 | 3,039 |
| Sale, conversion, retirement of capital stock, net | $110,000 | 524 |
| Net operating income | $2,521,000 | 1,455 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $10,506,000 | 881 |
| Total interest expense | $4,505,000 | 823 |
| Net interest income | $6,001,000 | 941 |
| Provision for loan and lease losses | $6,000 | 5,562 |
| Total noninterest income | $1,337,000 | 1,024 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $284,000 | 1,507 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,053,000 | 775 |
| Total noninterest expense | $5,346,000 | 838 |
| Salaries and employee benefits | $2,703,000 | 906 |
| Premises and equipment expense | $644,000 | 983 |
| Additional noninterest expense | $1,999,000 | 695 |
| Pre-tax net operating income | $1,986,000 | 1,244 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $717,000 | 1,030 |
| Income before extraordinary items | $1,269,000 | 1,429 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,269,000 | 1,428 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 2,876 |
| Cash dividends | $160,000 | 2,643 |
| Sale, conversion, retirement of capital stock, net | $55,000 | 392 |
| Net operating income | $1,269,000 | 1,408 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $35,379,000 | 931 |
| Total interest expense | $12,864,000 | 876 |
| Net interest income | $22,515,000 | 945 |
| Provision for loan and lease losses | $686,000 | 1,460 |
| Total noninterest income | $3,291,000 | 1,486 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,103,000 | 1,581 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,188,000 | 1,276 |
| Total noninterest expense | $19,398,000 | 876 |
| Salaries and employee benefits | $9,844,000 | 925 |
| Premises and equipment expense | $2,257,000 | 1,065 |
| Additional noninterest expense | $7,297,000 | 726 |
| Pre-tax net operating income | $5,722,000 | 1,639 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,532,000 | 1,114 |
| Income before extraordinary items | $3,190,000 | 2,130 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,190,000 | 2,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,631 |
| Cash dividends | $633,000 | 3,254 |
| Sale, conversion, retirement of capital stock, net | $-5,353,000 | 8,824 |
| Net operating income | $3,190,000 | 2,112 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $25,110,000 | 954 |
| Total interest expense | $8,589,000 | 919 |
| Net interest income | $16,521,000 | 958 |
| Provision for loan and lease losses | $648,000 | 1,141 |
| Total noninterest income | $1,902,000 | 1,858 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $774,000 | 1,661 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,128,000 | 1,660 |
| Total noninterest expense | $14,035,000 | 900 |
| Salaries and employee benefits | $6,986,000 | 977 |
| Premises and equipment expense | $1,678,000 | 1,070 |
| Additional noninterest expense | $5,371,000 | 732 |
| Pre-tax net operating income | $3,740,000 | 1,869 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,801,000 | 1,185 |
| Income before extraordinary items | $1,939,000 | 2,541 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,939,000 | 2,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,995 |
| Cash dividends | $474,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $-4,797,000 | 8,852 |
| Net operating income | $1,939,000 | 2,514 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $15,012,000 | 1,026 |
| Total interest expense | $5,012,000 | 977 |
| Net interest income | $10,000,000 | 1,052 |
| Provision for loan and lease losses | $496,000 | 986 |
| Total noninterest income | $665,000 | 2,881 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $464,000 | 1,802 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $201,000 | 3,757 |
| Total noninterest expense | $8,672,000 | 966 |
| Salaries and employee benefits | $4,465,000 | 1,009 |
| Premises and equipment expense | $1,034,000 | 1,155 |
| Additional noninterest expense | $3,173,000 | 805 |
| Pre-tax net operating income | $1,497,000 | 2,760 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $999,000 | 1,379 |
| Income before extraordinary items | $498,000 | 4,898 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $498,000 | 4,900 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-51,000 | 8,489 |
| Cash dividends | $314,000 | 2,872 |
| Sale, conversion, retirement of capital stock, net | $-2,990,000 | 8,863 |
| Net operating income | $498,000 | 4,851 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,749,000 | 1,333 |
| Total interest expense | $1,919,000 | 1,233 |
| Net interest income | $3,830,000 | 1,382 |
| Provision for loan and lease losses | $168,000 | 1,290 |
| Total noninterest income | $463,000 | 2,250 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $183,000 | 2,172 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $280,000 | 1,974 |
| Total noninterest expense | $3,480,000 | 1,215 |
| Salaries and employee benefits | $2,009,000 | 1,133 |
| Premises and equipment expense | $408,000 | 1,480 |
| Additional noninterest expense | $1,063,000 | 1,151 |
| Pre-tax net operating income | $645,000 | 3,060 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $212,000 | 2,502 |
| Income before extraordinary items | $433,000 | 3,412 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $433,000 | 3,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,027 |
| Cash dividends | $159,000 | 2,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $433,000 | 3,383 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $20,920,000 | 1,360 |
| Total interest expense | $6,366,000 | 1,294 |
| Net interest income | $14,554,000 | 1,387 |
| Provision for loan and lease losses | $620,000 | 1,601 |
| Total noninterest income | $2,068,000 | 2,150 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $786,000 | 2,178 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,282,000 | 1,826 |
| Total noninterest expense | $12,759,000 | 1,291 |
| Salaries and employee benefits | $7,445,000 | 1,163 |
| Premises and equipment expense | $1,303,000 | 1,772 |
| Additional noninterest expense | $4,011,000 | 1,232 |
| Pre-tax net operating income | $3,243,000 | 2,417 |
| Securities gains (losses) | $-24,000 | 8,423 |
| Applicable income taxes | $1,110,000 | 2,011 |
| Income before extraordinary items | $2,109,000 | 2,785 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,109,000 | 2,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-29,000 | 8,553 |
| Cash dividends | $635,000 | 3,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,124,840 | 2,711 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,301,000 | 1,379 |
| Total interest expense | $4,519,000 | 1,337 |
| Net interest income | $10,782,000 | 1,389 |
| Provision for loan and lease losses | $470,000 | 1,522 |
| Total noninterest income | $1,609,000 | 2,102 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $609,000 | 2,140 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,000,000 | 1,769 |
| Total noninterest expense | $9,512,000 | 1,292 |
| Salaries and employee benefits | $5,645,000 | 1,145 |
| Premises and equipment expense | $950,000 | 1,828 |
| Additional noninterest expense | $2,917,000 | 1,265 |
| Pre-tax net operating income | $2,409,000 | 2,468 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $789,000 | 2,120 |
| Income before extraordinary items | $1,628,000 | 2,757 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,628,000 | 2,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 8,455 |
| Cash dividends | $475,000 | 2,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,622,640 | 2,705 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,860,000 | 1,427 |
| Total interest expense | $2,925,000 | 1,356 |
| Net interest income | $6,935,000 | 1,429 |
| Provision for loan and lease losses | $320,000 | 1,458 |
| Total noninterest income | $1,170,000 | 1,966 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $432,000 | 1,993 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $738,000 | 1,649 |
| Total noninterest expense | $6,347,000 | 1,287 |
| Salaries and employee benefits | $3,690,000 | 1,182 |
| Premises and equipment expense | $688,000 | 1,678 |
| Additional noninterest expense | $1,969,000 | 1,230 |
| Pre-tax net operating income | $1,438,000 | 2,676 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $457,000 | 2,344 |
| Income before extraordinary items | $989,000 | 2,961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $989,000 | 2,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,391 |
| Cash dividends | $316,000 | 2,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $983,560 | 2,890 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,905,000 | 1,443 |
| Total interest expense | $1,444,000 | 1,384 |
| Net interest income | $3,461,000 | 1,436 |
| Provision for loan and lease losses | $170,000 | 1,314 |
| Total noninterest income | $673,000 | 1,715 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $241,000 | 1,770 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $432,000 | 1,443 |
| Total noninterest expense | $3,163,000 | 1,293 |
| Salaries and employee benefits | $1,833,000 | 1,200 |
| Premises and equipment expense | $422,000 | 1,380 |
| Additional noninterest expense | $908,000 | 1,333 |
| Pre-tax net operating income | $801,000 | 2,427 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $250,000 | 2,201 |
| Income before extraordinary items | $560,000 | 2,673 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $560,000 | 2,673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 8,283 |
| Cash dividends | $160,000 | 2,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $553,790 | 2,605 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $19,554,000 | 1,466 |
| Total interest expense | $6,095,000 | 1,458 |
| Net interest income | $13,459,000 | 1,440 |
| Provision for loan and lease losses | $625,000 | 1,783 |
| Total noninterest income | $3,068,000 | 1,657 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $840,000 | 2,041 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,228,000 | 1,357 |
| Total noninterest expense | $12,781,000 | 1,264 |
| Salaries and employee benefits | $6,628,000 | 1,295 |
| Premises and equipment expense | $1,938,000 | 1,167 |
| Additional noninterest expense | $4,215,000 | 1,195 |
| Pre-tax net operating income | $3,121,000 | 2,421 |
| Securities gains (losses) | $86,000 | 2,025 |
| Applicable income taxes | $1,056,000 | 2,101 |
| Income before extraordinary items | $2,151,000 | 2,711 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,151,000 | 2,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $413,000 | 1,842 |
| Cash dividends | $854,000 | 2,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,093,380 | 2,636 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $14,533,000 | 1,509 |
| Total interest expense | $4,643,000 | 1,500 |
| Net interest income | $9,890,000 | 1,489 |
| Provision for loan and lease losses | $300,000 | 2,501 |
| Total noninterest income | $2,518,000 | 1,573 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $587,000 | 2,172 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,931,000 | 1,264 |
| Total noninterest expense | $9,669,000 | 1,266 |
| Salaries and employee benefits | $4,975,000 | 1,316 |
| Premises and equipment expense | $1,431,000 | 1,197 |
| Additional noninterest expense | $3,263,000 | 1,160 |
| Pre-tax net operating income | $2,439,000 | 2,442 |
| Securities gains (losses) | $113,000 | 1,647 |
| Applicable income taxes | $829,000 | 2,150 |
| Income before extraordinary items | $1,723,000 | 2,658 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,723,000 | 2,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-39,000 | 8,889 |
| Cash dividends | $694,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,646,160 | 2,616 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $9,736,000 | 1,517 |
| Total interest expense | $3,115,000 | 1,549 |
| Net interest income | $6,621,000 | 1,478 |
| Provision for loan and lease losses | $205,000 | 2,473 |
| Total noninterest income | $1,868,000 | 1,434 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $381,000 | 2,175 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,487,000 | 1,144 |
| Total noninterest expense | $6,271,000 | 1,298 |
| Salaries and employee benefits | $3,343,000 | 1,297 |
| Premises and equipment expense | $955,000 | 1,195 |
| Additional noninterest expense | $1,973,000 | 1,259 |
| Pre-tax net operating income | $2,013,000 | 2,027 |
| Securities gains (losses) | $150,000 | 1,228 |
| Applicable income taxes | $732,000 | 1,752 |
| Income before extraordinary items | $1,431,000 | 2,199 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,431,000 | 2,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,957 |
| Cash dividends | $535,000 | 2,049 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,332,000 | 2,205 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,949,000 | 1,502 |
| Total interest expense | $1,560,000 | 1,582 |
| Net interest income | $3,389,000 | 1,439 |
| Provision for loan and lease losses | $91,000 | 2,487 |
| Total noninterest income | $805,000 | 1,572 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $187,000 | 2,139 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $618,000 | 1,269 |
| Total noninterest expense | $3,082,000 | 1,311 |
| Salaries and employee benefits | $1,616,000 | 1,344 |
| Premises and equipment expense | $499,000 | 1,159 |
| Additional noninterest expense | $967,000 | 1,261 |
| Pre-tax net operating income | $1,021,000 | 1,997 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $366,000 | 1,752 |
| Income before extraordinary items | $655,000 | 2,336 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $655,000 | 2,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,934 |
| Cash dividends | $375,000 | 1,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $655,000 | 2,207 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $21,414,000 | 1,436 |
| Total interest expense | $7,469,000 | 1,523 |
| Net interest income | $13,945,000 | 1,393 |
| Provision for loan and lease losses | $1,412,000 | 995 |
| Total noninterest income | $2,032,000 | 2,099 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $785,000 | 2,032 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,247,000 | 1,891 |
| Total noninterest expense | $12,139,000 | 1,267 |
| Salaries and employee benefits | $6,117,000 | 1,332 |
| Premises and equipment expense | $1,937,000 | 1,138 |
| Additional noninterest expense | $4,085,000 | 1,194 |
| Pre-tax net operating income | $2,426,000 | 2,954 |
| Securities gains (losses) | $1,569,000 | 321 |
| Applicable income taxes | $785,000 | 2,628 |
| Income before extraordinary items | $3,210,000 | 1,863 |
| Extraordinary gains, net | $-437,000 | 9,331 |
| Net income | $2,773,000 | 2,160 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 2,482 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,954,800 | 2,765 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $25,829,000 | 1,324 |
| Total interest expense | $12,354,000 | 1,316 |
| Net interest income | $13,475,000 | 1,311 |
| Provision for loan and lease losses | $50,000 | 6,655 |
| Total noninterest income | $2,320,000 | 1,794 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $787,000 | 1,933 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,533,000 | 1,494 |
| Total noninterest expense | $11,566,000 | 1,255 |
| Salaries and employee benefits | $5,564,000 | 1,346 |
| Premises and equipment expense | $2,045,000 | 1,026 |
| Additional noninterest expense | $3,957,000 | 1,206 |
| Pre-tax net operating income | $4,179,000 | 1,695 |
| Securities gains (losses) | $-2,529,000 | 9,601 |
| Applicable income taxes | $1,610,000 | 1,407 |
| Income before extraordinary items | $40,000 | 8,654 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $40,000 | 8,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-58,000 | 9,437 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,658,560 | 2,888 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $28,141,000 | 1,260 |
| Total interest expense | $16,162,000 | 1,084 |
| Net interest income | $11,979,000 | 1,466 |
| Provision for loan and lease losses | $1,000 | 8,301 |
| Total noninterest income | $1,689,000 | 2,141 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $789,000 | 1,759 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $900,000 | 1,993 |
| Total noninterest expense | $10,851,000 | 1,272 |
| Salaries and employee benefits | $4,668,000 | 1,521 |
| Premises and equipment expense | $2,176,000 | 922 |
| Additional noninterest expense | $4,007,000 | 1,144 |
| Pre-tax net operating income | $2,816,000 | 2,514 |
| Securities gains (losses) | $-6,785,000 | 9,850 |
| Applicable income taxes | $708,000 | 2,754 |
| Income before extraordinary items | $-4,677,000 | 9,860 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $-4,677,000 | 9,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,325 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,108,000 | 2,438 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $24,745,000 | 1,310 |
| Total interest expense | $12,508,000 | 1,216 |
| Net interest income | $12,237,000 | 1,427 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $1,469,000 | 2,336 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $804,000 | 1,653 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $665,000 | 2,454 |
| Total noninterest expense | $10,429,000 | 1,332 |
| Salaries and employee benefits | $4,957,000 | 1,392 |
| Premises and equipment expense | $1,943,000 | 1,047 |
| Additional noninterest expense | $3,529,000 | 1,302 |
| Pre-tax net operating income | $3,207,000 | 2,270 |
| Securities gains (losses) | $1,402,000 | 172 |
| Applicable income taxes | $1,708,000 | 1,424 |
| Income before extraordinary items | $2,901,000 | 1,840 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,901,000 | 1,841 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $305,000 | 1,796 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,003,720 | 2,556 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $22,826,000 | 1,414 |
| Total interest expense | $11,465,000 | 1,353 |
| Net interest income | $11,361,000 | 1,485 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $1,333,000 | 2,475 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $658,000 | 1,937 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $675,000 | 2,458 |
| Total noninterest expense | $8,639,000 | 1,540 |
| Salaries and employee benefits | $4,032,000 | 1,652 |
| Premises and equipment expense | $1,594,000 | 1,205 |
| Additional noninterest expense | $3,013,000 | 1,448 |
| Pre-tax net operating income | $3,995,000 | 1,823 |
| Securities gains (losses) | $18,000 | 2,506 |
| Applicable income taxes | $1,532,000 | 1,589 |
| Income before extraordinary items | $2,481,000 | 2,099 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,481,000 | 2,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $723,000 | 951 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,469,480 | 2,043 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,303,000 | 1,712 |
| Total interest expense | $9,710,000 | 1,592 |
| Net interest income | $9,593,000 | 1,817 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $1,167,000 | 2,690 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $652,000 | 2,014 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $515,000 | 2,768 |
| Total noninterest expense | $6,701,000 | 1,924 |
| Salaries and employee benefits | $3,300,000 | 1,991 |
| Premises and equipment expense | $1,139,000 | 1,727 |
| Additional noninterest expense | $2,262,000 | 1,881 |
| Pre-tax net operating income | $4,059,000 | 1,863 |
| Securities gains (losses) | $133,000 | 864 |
| Applicable income taxes | $1,344,000 | 1,878 |
| Income before extraordinary items | $2,848,000 | 1,853 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,848,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,617 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,757,560 | 1,859 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $16,873,000 | 2,003 |
| Total interest expense | $8,411,000 | 1,875 |
| Net interest income | $8,462,000 | 2,117 |
| Provision for loan and lease losses | $-157,000 | 11,312 |
| Total noninterest income | $1,279,000 | 2,568 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $775,000 | 1,730 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $504,000 | 2,905 |
| Total noninterest expense | $6,063,000 | 2,261 |
| Salaries and employee benefits | $2,833,000 | 2,347 |
| Premises and equipment expense | $1,083,000 | 1,853 |
| Additional noninterest expense | $2,147,000 | 2,300 |
| Pre-tax net operating income | $3,835,000 | 1,885 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $1,373,000 | 1,743 |
| Income before extraordinary items | $2,469,000 | 2,004 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,469,000 | 2,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 10,993 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,464,520 | 1,970 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $15,717,000 | 2,145 |
| Total interest expense | $7,495,000 | 2,093 |
| Net interest income | $8,222,000 | 2,184 |
| Provision for loan and lease losses | $-266,000 | 11,847 |
| Total noninterest income | $1,221,000 | 2,679 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $735,000 | 1,846 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $486,000 | 2,931 |
| Total noninterest expense | $5,790,000 | 2,350 |
| Salaries and employee benefits | $2,713,000 | 2,463 |
| Premises and equipment expense | $950,000 | 2,110 |
| Additional noninterest expense | $2,127,000 | 2,286 |
| Pre-tax net operating income | $3,919,000 | 1,896 |
| Securities gains (losses) | $23,000 | 1,804 |
| Applicable income taxes | $1,593,000 | 1,563 |
| Income before extraordinary items | $2,349,000 | 2,163 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,349,000 | 2,161 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-293,000 | 11,897 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,334,280 | 2,136 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $14,105,000 | 2,170 |
| Total interest expense | $5,963,000 | 2,097 |
| Net interest income | $8,142,000 | 2,215 |
| Provision for loan and lease losses | $280,000 | 2,395 |
| Total noninterest income | $1,428,000 | 2,397 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $663,000 | 2,043 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $765,000 | 2,192 |
| Total noninterest expense | $6,188,000 | 2,280 |
| Salaries and employee benefits | $3,030,000 | 2,194 |
| Premises and equipment expense | $966,000 | 2,094 |
| Additional noninterest expense | $2,192,000 | 2,397 |
| Pre-tax net operating income | $3,102,000 | 2,288 |
| Securities gains (losses) | $78,000 | 892 |
| Applicable income taxes | $1,268,000 | 1,799 |
| Income before extraordinary items | $1,912,000 | 2,538 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,912,000 | 2,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 2,054 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,862,080 | 2,629 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $13,815,000 | 2,246 |
| Total interest expense | $5,860,000 | 2,217 |
| Net interest income | $7,955,000 | 2,263 |
| Provision for loan and lease losses | $609,000 | 1,824 |
| Total noninterest income | $1,323,000 | 2,706 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $594,000 | 2,319 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $729,000 | 2,525 |
| Total noninterest expense | $6,427,000 | 2,256 |
| Salaries and employee benefits | $2,703,000 | 2,466 |
| Premises and equipment expense | $824,000 | 2,483 |
| Additional noninterest expense | $2,900,000 | 1,963 |
| Pre-tax net operating income | $2,242,000 | 2,984 |
| Securities gains (losses) | $220,000 | 1,588 |
| Applicable income taxes | $1,076,000 | 2,102 |
| Income before extraordinary items | $1,386,000 | 3,485 |
| Extraordinary gains, net | $551,000 | 407 |
| Net income | $1,937,000 | 2,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $409,000 | 2,023 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,245,200 | 3,663 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $14,704,000 | 2,391 |
| Total interest expense | $7,197,000 | 2,341 |
| Net interest income | $7,507,000 | 2,414 |
| Provision for loan and lease losses | $884,000 | 2,008 |
| Total noninterest income | $1,518,000 | 2,370 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $595,000 | 2,309 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $923,000 | 2,117 |
| Total noninterest expense | $5,533,000 | 2,611 |
| Salaries and employee benefits | $2,327,000 | 2,792 |
| Premises and equipment expense | $865,000 | 2,388 |
| Additional noninterest expense | $2,341,000 | 2,451 |
| Pre-tax net operating income | $2,608,000 | 2,370 |
| Securities gains (losses) | $115,000 | 2,787 |
| Applicable income taxes | $1,177,000 | 1,789 |
| Income before extraordinary items | $1,546,000 | 2,992 |
| Extraordinary gains, net | $152,000 | 556 |
| Net income | $1,698,000 | 2,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $785,000 | 1,838 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,472,400 | 2,893 |
* 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.