Home > Bradford Bank > Income and Expense
Bradford Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,816,000 | 1,643 |
| Total interest expense | $6,866,000 | 960 |
| Net interest income | $3,950,000 | 2,756 |
| Provision for loan and lease losses | $14,414,000 | 366 |
| Total noninterest income | $536,000 | 3,247 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $536,000 | 2,122 |
| Total noninterest expense | $6,785,000 | 1,531 |
| Salaries and employee benefits | $2,755,000 | 1,842 |
| Premises and equipment expense | $1,205,000 | 1,170 |
| Additional noninterest expense | $2,825,000 | 1,310 |
| Pre-tax net operating income | $-16,713,000 | 8,002 |
| Securities gains (losses) | $-600,000 | 7,944 |
| Applicable income taxes | $-123,000 | 7,200 |
| Income before extraordinary items | $-17,190,000 | 8,022 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-17,190,000 | 8,022 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-17,190,000 | 8,022 |
| Net charge-offs | $16,985,000 | 262 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-16,596,000 | 8,014 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,523,000 | 1,627 |
| Total interest expense | $3,551,000 | 966 |
| Net interest income | $1,972,000 | 2,744 |
| Provision for loan and lease losses | $12,414,000 | 224 |
| Total noninterest income | $301,000 | 3,014 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $301,000 | 1,952 |
| Total noninterest expense | $3,328,000 | 1,500 |
| Salaries and employee benefits | $1,421,000 | 1,829 |
| Premises and equipment expense | $623,000 | 1,152 |
| Additional noninterest expense | $1,284,000 | 1,280 |
| Pre-tax net operating income | $-13,469,000 | 8,127 |
| Securities gains (losses) | $-600,000 | 8,114 |
| Applicable income taxes | $-123,000 | 7,597 |
| Income before extraordinary items | $-13,946,000 | 8,139 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-13,946,000 | 8,139 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-13,946,000 | 8,139 |
| Net charge-offs | $15,588,000 | 149 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-13,352,000 | 8,133 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $28,822,000 | 1,345 |
| Total interest expense | $17,319,000 | 922 |
| Net interest income | $11,503,000 | 1,931 |
| Provision for loan and lease losses | $10,898,000 | 560 |
| Total noninterest income | $1,606,000 | 2,493 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,606,000 | 1,524 |
| Total noninterest expense | $13,268,000 | 1,466 |
| Salaries and employee benefits | $7,218,000 | 1,420 |
| Premises and equipment expense | $2,707,000 | 1,031 |
| Additional noninterest expense | $3,343,000 | 1,833 |
| Pre-tax net operating income | $-11,057,000 | 8,011 |
| Securities gains (losses) | $-539,000 | 7,580 |
| Applicable income taxes | $-4,688,000 | 8,092 |
| Income before extraordinary items | $-6,908,000 | 7,907 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-6,908,000 | 7,907 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,701,000 | 494 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-6,563,040 | 7,933 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,289,000 | 1,326 |
| Total interest expense | $13,320,000 | 934 |
| Net interest income | $8,969,000 | 1,890 |
| Provision for loan and lease losses | $8,198,000 | 463 |
| Total noninterest income | $1,192,000 | 2,596 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,192,000 | 1,609 |
| Total noninterest expense | $9,471,000 | 1,543 |
| Salaries and employee benefits | $5,568,000 | 1,395 |
| Premises and equipment expense | $1,893,000 | 1,107 |
| Additional noninterest expense | $2,010,000 | 2,154 |
| Pre-tax net operating income | $-7,508,000 | 8,195 |
| Securities gains (losses) | $-588,000 | 7,809 |
| Applicable income taxes | $-3,293,000 | 8,235 |
| Income before extraordinary items | $-4,803,000 | 8,117 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-4,803,000 | 8,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,305,000 | 498 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-4,426,680 | 8,149 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,376,000 | 1,296 |
| Total interest expense | $9,155,000 | 933 |
| Net interest income | $6,221,000 | 1,801 |
| Provision for loan and lease losses | $5,898,000 | 383 |
| Total noninterest income | $854,000 | 2,498 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $854,000 | 1,568 |
| Total noninterest expense | $6,277,000 | 1,541 |
| Salaries and employee benefits | $3,748,000 | 1,393 |
| Premises and equipment expense | $1,256,000 | 1,101 |
| Additional noninterest expense | $1,273,000 | 2,229 |
| Pre-tax net operating income | $-5,100,000 | 8,295 |
| Securities gains (losses) | $60,000 | 1,307 |
| Applicable income taxes | $-2,087,000 | 8,335 |
| Income before extraordinary items | $-2,953,000 | 8,267 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,953,000 | 8,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,127,000 | 797 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-2,991,400 | 8,263 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,035,000 | 1,268 |
| Total interest expense | $4,825,000 | 949 |
| Net interest income | $3,210,000 | 1,736 |
| Provision for loan and lease losses | $350,000 | 1,251 |
| Total noninterest income | $444,000 | 2,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $444,000 | 1,523 |
| Total noninterest expense | $3,120,000 | 1,539 |
| Salaries and employee benefits | $1,860,000 | 1,415 |
| Premises and equipment expense | $658,000 | 1,058 |
| Additional noninterest expense | $602,000 | 2,303 |
| Pre-tax net operating income | $184,000 | 5,098 |
| Securities gains (losses) | $60,000 | 983 |
| Applicable income taxes | $47,000 | 3,621 |
| Income before extraordinary items | $197,000 | 4,688 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $197,000 | 4,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 1,244 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $148,400 | 5,121 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $34,222,000 | 1,229 |
| Total interest expense | $20,292,000 | 973 |
| Net interest income | $13,930,000 | 1,618 |
| Provision for loan and lease losses | $1,405,000 | 1,107 |
| Total noninterest income | $871,000 | 3,827 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $871,000 | 2,428 |
| Total noninterest expense | $15,346,000 | 1,211 |
| Salaries and employee benefits | $7,766,000 | 1,286 |
| Premises and equipment expense | $2,476,000 | 1,075 |
| Additional noninterest expense | $5,104,000 | 1,098 |
| Pre-tax net operating income | $-1,950,000 | 8,270 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-837,000 | 8,383 |
| Income before extraordinary items | $-1,113,000 | 8,137 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,113,000 | 8,134 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $990,000 | 1,034 |
| Cash dividends | $137,000 | 5,183 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 318 |
| Net operating income | $-1,113,000 | 8,127 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $25,349,000 | 1,245 |
| Total interest expense | $15,071,000 | 982 |
| Net interest income | $10,278,000 | 1,656 |
| Provision for loan and lease losses | $245,000 | 2,643 |
| Total noninterest income | $430,000 | 4,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $430,000 | 3,077 |
| Total noninterest expense | $9,686,000 | 1,412 |
| Salaries and employee benefits | $5,735,000 | 1,310 |
| Premises and equipment expense | $1,817,000 | 1,087 |
| Additional noninterest expense | $2,134,000 | 1,887 |
| Pre-tax net operating income | $777,000 | 4,898 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $193,000 | 3,759 |
| Income before extraordinary items | $584,000 | 5,052 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $584,000 | 5,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 2,553 |
| Cash dividends | $137,000 | 4,463 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 233 |
| Net operating income | $584,000 | 5,046 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,319,000 | 1,312 |
| Total interest expense | $9,587,000 | 1,028 |
| Net interest income | $6,732,000 | 1,711 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $660,000 | 2,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $660,000 | 1,853 |
| Total noninterest expense | $6,252,000 | 1,473 |
| Salaries and employee benefits | $3,728,000 | 1,360 |
| Premises and equipment expense | $1,164,000 | 1,154 |
| Additional noninterest expense | $1,360,000 | 1,986 |
| Pre-tax net operating income | $1,020,000 | 3,492 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $348,000 | 2,560 |
| Income before extraordinary items | $672,000 | 3,916 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $672,000 | 3,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $137,000 | 4,050 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 172 |
| Net operating income | $672,000 | 3,905 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,024,000 | 1,327 |
| Total interest expense | $4,698,000 | 1,045 |
| Net interest income | $3,326,000 | 1,730 |
| Provision for loan and lease losses | $20,000 | 4,351 |
| Total noninterest income | $317,000 | 3,007 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $317,000 | 1,875 |
| Total noninterest expense | $3,021,000 | 1,519 |
| Salaries and employee benefits | $1,839,000 | 1,403 |
| Premises and equipment expense | $599,000 | 1,118 |
| Additional noninterest expense | $583,000 | 2,244 |
| Pre-tax net operating income | $602,000 | 3,107 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $183,000 | 2,523 |
| Income before extraordinary items | $419,000 | 3,381 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $419,000 | 3,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $62,000 | 3,462 |
| Sale, conversion, retirement of capital stock, net | $3,000,000 | 88 |
| Net operating income | $419,000 | 3,359 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $26,597,000 | 1,500 |
| Total interest expense | $14,077,000 | 1,191 |
| Net interest income | $12,520,000 | 1,842 |
| Provision for loan and lease losses | $940,000 | 1,097 |
| Total noninterest income | $905,000 | 3,767 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $905,000 | 2,386 |
| Total noninterest expense | $10,149,000 | 1,757 |
| Salaries and employee benefits | $6,264,000 | 1,572 |
| Premises and equipment expense | $2,165,000 | 1,182 |
| Additional noninterest expense | $1,720,000 | 2,942 |
| Pre-tax net operating income | $2,336,000 | 3,299 |
| Securities gains (losses) | $4,000 | 1,309 |
| Applicable income taxes | $661,000 | 2,742 |
| Income before extraordinary items | $1,679,000 | 3,513 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,679,000 | 3,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,298 |
| Cash dividends | $188,000 | 5,030 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,676,120 | 3,499 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $19,344,000 | 1,538 |
| Total interest expense | $9,944,000 | 1,237 |
| Net interest income | $9,400,000 | 1,853 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $668,000 | 3,810 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $668,000 | 2,387 |
| Total noninterest expense | $7,391,000 | 1,806 |
| Salaries and employee benefits | $4,697,000 | 1,586 |
| Premises and equipment expense | $1,526,000 | 1,276 |
| Additional noninterest expense | $1,168,000 | 3,209 |
| Pre-tax net operating income | $2,497,000 | 2,655 |
| Securities gains (losses) | $4,000 | 1,079 |
| Applicable income taxes | $790,000 | 2,221 |
| Income before extraordinary items | $1,711,000 | 2,912 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,711,000 | 2,913 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,276 |
| Cash dividends | $125,000 | 4,589 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,708,280 | 2,905 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $12,545,000 | 1,546 |
| Total interest expense | $6,261,000 | 1,249 |
| Net interest income | $6,284,000 | 1,851 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $434,000 | 3,848 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $434,000 | 2,423 |
| Total noninterest expense | $4,788,000 | 1,855 |
| Salaries and employee benefits | $3,052,000 | 1,623 |
| Premises and equipment expense | $978,000 | 1,329 |
| Additional noninterest expense | $758,000 | 3,267 |
| Pre-tax net operating income | $1,810,000 | 2,506 |
| Securities gains (losses) | $-1,000 | 7,450 |
| Applicable income taxes | $590,000 | 2,081 |
| Income before extraordinary items | $1,219,000 | 2,766 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,219,000 | 2,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-38,000 | 8,332 |
| Cash dividends | $63,000 | 4,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,219,670 | 2,754 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,060,000 | 1,567 |
| Total interest expense | $2,982,000 | 1,254 |
| Net interest income | $3,078,000 | 1,879 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $224,000 | 3,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $224,000 | 2,329 |
| Total noninterest expense | $2,342,000 | 1,904 |
| Salaries and employee benefits | $1,495,000 | 1,663 |
| Premises and equipment expense | $486,000 | 1,339 |
| Additional noninterest expense | $361,000 | 3,383 |
| Pre-tax net operating income | $900,000 | 2,464 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $299,000 | 2,032 |
| Income before extraordinary items | $601,000 | 2,736 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $601,000 | 2,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,380 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $601,000 | 2,720 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $21,617,000 | 1,553 |
| Total interest expense | $9,495,000 | 1,185 |
| Net interest income | $12,122,000 | 1,806 |
| Provision for loan and lease losses | $347,000 | 2,542 |
| Total noninterest income | $697,000 | 4,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $697,000 | 2,779 |
| Total noninterest expense | $9,160,000 | 1,851 |
| Salaries and employee benefits | $5,350,000 | 1,743 |
| Premises and equipment expense | $1,891,000 | 1,302 |
| Additional noninterest expense | $1,919,000 | 2,586 |
| Pre-tax net operating income | $3,312,000 | 2,561 |
| Securities gains (losses) | $-61,000 | 8,259 |
| Applicable income taxes | $777,000 | 2,656 |
| Income before extraordinary items | $2,474,000 | 2,624 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,474,000 | 2,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $118,000 | 3,083 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 925 |
| Net operating income | $2,520,360 | 2,563 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,884,000 | 1,538 |
| Total interest expense | $6,698,000 | 1,180 |
| Net interest income | $9,186,000 | 1,779 |
| Provision for loan and lease losses | $200,000 | 2,952 |
| Total noninterest income | $482,000 | 4,645 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $482,000 | 2,957 |
| Total noninterest expense | $6,707,000 | 1,868 |
| Salaries and employee benefits | $3,967,000 | 1,747 |
| Premises and equipment expense | $1,362,000 | 1,340 |
| Additional noninterest expense | $1,378,000 | 2,674 |
| Pre-tax net operating income | $2,761,000 | 2,374 |
| Securities gains (losses) | $19,000 | 1,247 |
| Applicable income taxes | $1,005,000 | 1,868 |
| Income before extraordinary items | $1,775,000 | 2,727 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,775,000 | 2,728 |
| 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 | $1,762,840 | 2,709 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $10,395,000 | 1,522 |
| Total interest expense | $4,227,000 | 1,183 |
| Net interest income | $6,168,000 | 1,741 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $321,000 | 4,621 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $321,000 | 2,947 |
| Total noninterest expense | $4,370,000 | 1,895 |
| Salaries and employee benefits | $2,550,000 | 1,798 |
| Premises and equipment expense | $876,000 | 1,383 |
| Additional noninterest expense | $944,000 | 2,581 |
| Pre-tax net operating income | $1,969,000 | 2,217 |
| Securities gains (losses) | $12,000 | 1,290 |
| Applicable income taxes | $720,000 | 1,754 |
| Income before extraordinary items | $1,261,000 | 2,546 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,261,000 | 2,546 |
| 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 | $1,253,320 | 2,518 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $5,108,000 | 1,526 |
| Total interest expense | $2,040,000 | 1,158 |
| Net interest income | $3,068,000 | 1,742 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $164,000 | 4,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $164,000 | 2,813 |
| Total noninterest expense | $2,186,000 | 1,892 |
| Salaries and employee benefits | $1,268,000 | 1,819 |
| Premises and equipment expense | $432,000 | 1,407 |
| Additional noninterest expense | $486,000 | 2,506 |
| Pre-tax net operating income | $986,000 | 2,189 |
| Securities gains (losses) | $-2,000 | 8,244 |
| Applicable income taxes | $359,000 | 1,734 |
| Income before extraordinary items | $625,000 | 2,531 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $625,000 | 2,532 |
| 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 | $626,280 | 2,492 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,422,000 | 1,485 |
| Total interest expense | $8,060,000 | 999 |
| Net interest income | $11,362,000 | 1,779 |
| Provision for loan and lease losses | $315,000 | 2,812 |
| Total noninterest income | $625,000 | 4,712 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $625,000 | 2,912 |
| Total noninterest expense | $8,734,000 | 1,857 |
| Salaries and employee benefits | $4,982,000 | 1,768 |
| Premises and equipment expense | $1,652,000 | 1,393 |
| Additional noninterest expense | $2,100,000 | 2,314 |
| Pre-tax net operating income | $2,938,000 | 2,636 |
| Securities gains (losses) | $-71,000 | 8,666 |
| Applicable income taxes | $1,037,000 | 2,097 |
| Income before extraordinary items | $1,830,000 | 3,148 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,830,000 | 3,147 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $141,000 | 3,122 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,875,440 | 3,020 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $14,414,000 | 1,493 |
| Total interest expense | $5,983,000 | 991 |
| Net interest income | $8,431,000 | 1,786 |
| Provision for loan and lease losses | $185,000 | 3,119 |
| Total noninterest income | $520,000 | 4,420 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $520,000 | 2,728 |
| Total noninterest expense | $6,440,000 | 1,858 |
| Salaries and employee benefits | $3,651,000 | 1,797 |
| Premises and equipment expense | $1,224,000 | 1,413 |
| Additional noninterest expense | $1,565,000 | 2,306 |
| Pre-tax net operating income | $2,326,000 | 2,547 |
| Securities gains (losses) | $-71,000 | 8,856 |
| Applicable income taxes | $808,000 | 2,089 |
| Income before extraordinary items | $1,447,000 | 3,043 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,447,000 | 3,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,669 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,492,440 | 2,885 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $9,430,000 | 1,504 |
| Total interest expense | $3,910,000 | 993 |
| Net interest income | $5,520,000 | 1,803 |
| Provision for loan and lease losses | $115,000 | 3,272 |
| Total noninterest income | $375,000 | 4,259 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $375,000 | 2,615 |
| Total noninterest expense | $4,138,000 | 1,935 |
| Salaries and employee benefits | $2,342,000 | 1,855 |
| Premises and equipment expense | $812,000 | 1,424 |
| Additional noninterest expense | $984,000 | 2,424 |
| Pre-tax net operating income | $1,642,000 | 2,398 |
| Securities gains (losses) | $-77,000 | 8,952 |
| Applicable income taxes | $559,000 | 2,036 |
| Income before extraordinary items | $1,006,000 | 2,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,006,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,055,280 | 2,732 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,640,000 | 1,527 |
| Total interest expense | $2,009,000 | 998 |
| Net interest income | $2,631,000 | 1,893 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $205,000 | 4,006 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $205,000 | 2,439 |
| Total noninterest expense | $1,983,000 | 2,027 |
| Salaries and employee benefits | $1,137,000 | 1,927 |
| Premises and equipment expense | $414,000 | 1,414 |
| Additional noninterest expense | $432,000 | 2,704 |
| Pre-tax net operating income | $778,000 | 2,476 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $339,000 | 1,769 |
| Income before extraordinary items | $439,000 | 3,260 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $439,000 | 3,260 |
| 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 | $439,000 | 3,145 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $17,899,000 | 1,603 |
| Total interest expense | $8,496,000 | 1,053 |
| Net interest income | $9,403,000 | 2,078 |
| Provision for loan and lease losses | $459,000 | 2,319 |
| Total noninterest income | $824,000 | 4,170 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $824,000 | 2,689 |
| Total noninterest expense | $7,216,000 | 2,184 |
| Salaries and employee benefits | $3,821,000 | 2,228 |
| Premises and equipment expense | $1,542,000 | 1,475 |
| Additional noninterest expense | $1,853,000 | 2,563 |
| Pre-tax net operating income | $2,552,000 | 2,835 |
| Securities gains (losses) | $106,000 | 1,841 |
| Applicable income taxes | $750,000 | 2,655 |
| Income before extraordinary items | $1,908,000 | 2,965 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,908,000 | 2,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,408 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,831,680 | 2,927 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $13,413,000 | 1,631 |
| Total interest expense | $6,459,000 | 1,084 |
| Net interest income | $6,954,000 | 2,119 |
| Provision for loan and lease losses | $379,000 | 2,104 |
| Total noninterest income | $640,000 | 4,126 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $640,000 | 2,719 |
| Total noninterest expense | $5,331,000 | 2,207 |
| Salaries and employee benefits | $2,907,000 | 2,193 |
| Premises and equipment expense | $1,016,000 | 1,684 |
| Additional noninterest expense | $1,408,000 | 2,541 |
| Pre-tax net operating income | $1,884,000 | 2,969 |
| Securities gains (losses) | $106,000 | 1,693 |
| Applicable income taxes | $623,000 | 2,593 |
| Income before extraordinary items | $1,367,000 | 3,183 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,367,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,293,860 | 3,146 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,965,000 | 1,638 |
| Total interest expense | $4,391,000 | 1,097 |
| Net interest income | $4,574,000 | 2,132 |
| Provision for loan and lease losses | $160,000 | 2,893 |
| Total noninterest income | $467,000 | 3,898 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $467,000 | 2,543 |
| Total noninterest expense | $3,459,000 | 2,272 |
| Salaries and employee benefits | $1,876,000 | 2,257 |
| Premises and equipment expense | $595,000 | 1,917 |
| Additional noninterest expense | $988,000 | 2,392 |
| Pre-tax net operating income | $1,422,000 | 2,706 |
| Securities gains (losses) | $121,000 | 1,364 |
| Applicable income taxes | $463,000 | 2,433 |
| Income before extraordinary items | $1,080,000 | 2,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,080,000 | 2,812 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $995,300 | 2,837 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,368,000 | 1,696 |
| Total interest expense | $2,184,000 | 1,125 |
| Net interest income | $2,184,000 | 2,231 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $130,000 | 5,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $130,000 | 3,466 |
| Total noninterest expense | $1,525,000 | 2,541 |
| Salaries and employee benefits | $882,000 | 2,387 |
| Premises and equipment expense | $219,000 | 2,553 |
| Additional noninterest expense | $424,000 | 2,711 |
| Pre-tax net operating income | $729,000 | 2,655 |
| Securities gains (losses) | $104,000 | 976 |
| Applicable income taxes | $258,000 | 2,282 |
| Income before extraordinary items | $575,000 | 2,636 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $575,000 | 2,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $503,240 | 2,790 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $17,586,000 | 1,754 |
| Total interest expense | $10,346,000 | 1,077 |
| Net interest income | $7,240,000 | 2,635 |
| Provision for loan and lease losses | $100,000 | 5,681 |
| Total noninterest income | $455,000 | 5,466 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $455,000 | 3,463 |
| Total noninterest expense | $5,588,000 | 2,651 |
| Salaries and employee benefits | $3,205,000 | 2,470 |
| Premises and equipment expense | $819,000 | 2,631 |
| Additional noninterest expense | $1,564,000 | 2,863 |
| Pre-tax net operating income | $2,007,000 | 3,422 |
| Securities gains (losses) | $724,000 | 516 |
| Applicable income taxes | $937,000 | 2,320 |
| Income before extraordinary items | $1,794,000 | 3,047 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,794,000 | 3,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,483 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,316,160 | 3,746 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $18,103,000 | 1,895 |
| Total interest expense | $12,633,000 | 1,290 |
| Net interest income | $5,470,000 | 3,197 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $365,000 | 5,915 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $365,000 | 3,730 |
| Total noninterest expense | $4,670,000 | 2,994 |
| Salaries and employee benefits | $2,774,000 | 2,690 |
| Premises and equipment expense | $663,000 | 3,088 |
| Additional noninterest expense | $1,233,000 | 3,417 |
| Pre-tax net operating income | $1,135,000 | 4,570 |
| Securities gains (losses) | $-5,000 | 9,212 |
| Applicable income taxes | $425,000 | 3,620 |
| Income before extraordinary items | $705,000 | 5,205 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $705,000 | 5,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,671 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $708,200 | 5,084 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $19,039,000 | 1,826 |
| Total interest expense | $12,799,000 | 1,357 |
| Net interest income | $6,240,000 | 2,840 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $322,000 | 6,107 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $322,000 | 3,772 |
| Total noninterest expense | $4,169,000 | 3,219 |
| Salaries and employee benefits | $2,473,000 | 2,853 |
| Premises and equipment expense | $591,000 | 3,318 |
| Additional noninterest expense | $1,105,000 | 3,685 |
| Pre-tax net operating income | $2,393,000 | 2,866 |
| Securities gains (losses) | $-1,539,000 | 9,788 |
| Applicable income taxes | $385,000 | 4,048 |
| Income before extraordinary items | $469,000 | 6,493 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $469,000 | 6,492 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,453,960 | 3,329 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,301,000 | 1,779 |
| Total interest expense | $12,219,000 | 1,241 |
| Net interest income | $6,082,000 | 2,893 |
| Provision for loan and lease losses | $30,000 | 7,215 |
| Total noninterest income | $321,000 | 6,257 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $321,000 | 3,866 |
| Total noninterest expense | $4,415,000 | 3,034 |
| Salaries and employee benefits | $2,629,000 | 2,677 |
| Premises and equipment expense | $555,000 | 3,470 |
| Additional noninterest expense | $1,231,000 | 3,351 |
| Pre-tax net operating income | $1,958,000 | 3,396 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $695,000 | 2,913 |
| Income before extraordinary items | $1,263,000 | 3,707 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,263,000 | 3,708 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,263,000 | 3,677 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,413,000 | 1,757 |
| Total interest expense | $12,421,000 | 1,257 |
| Net interest income | $5,992,000 | 2,877 |
| Provision for loan and lease losses | $15,000 | 7,946 |
| Total noninterest income | $308,000 | 6,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $308,000 | 3,974 |
| Total noninterest expense | $3,621,000 | 3,509 |
| Salaries and employee benefits | $2,111,000 | 3,170 |
| Premises and equipment expense | $504,000 | 3,672 |
| Additional noninterest expense | $1,006,000 | 3,943 |
| Pre-tax net operating income | $2,664,000 | 2,634 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,062,000 | 2,197 |
| Income before extraordinary items | $1,602,000 | 3,085 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,602,000 | 3,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,602,000 | 2,993 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $17,939,000 | 1,842 |
| Total interest expense | $11,625,000 | 1,355 |
| Net interest income | $6,314,000 | 2,756 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $304,000 | 6,599 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $304,000 | 3,901 |
| Total noninterest expense | $3,409,000 | 3,691 |
| Salaries and employee benefits | $1,993,000 | 3,323 |
| Premises and equipment expense | $507,000 | 3,659 |
| Additional noninterest expense | $909,000 | 4,266 |
| Pre-tax net operating income | $3,209,000 | 2,340 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,207,000 | 2,070 |
| Income before extraordinary items | $2,002,000 | 2,589 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,002,000 | 2,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,002,000 | 2,541 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $18,035,000 | 1,880 |
| Total interest expense | $11,919,000 | 1,358 |
| Net interest income | $6,116,000 | 2,901 |
| Provision for loan and lease losses | $2,000 | 8,964 |
| Total noninterest income | $425,000 | 5,751 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $425,000 | 3,273 |
| Total noninterest expense | $5,010,000 | 2,738 |
| Salaries and employee benefits | $1,832,000 | 3,613 |
| Premises and equipment expense | $501,000 | 3,776 |
| Additional noninterest expense | $2,677,000 | 1,905 |
| Pre-tax net operating income | $1,529,000 | 4,273 |
| Securities gains (losses) | $-18,000 | 10,586 |
| Applicable income taxes | $609,000 | 3,544 |
| Income before extraordinary items | $902,000 | 4,865 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $902,000 | 4,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $913,520 | 4,763 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,166,000 | 1,961 |
| Total interest expense | $11,174,000 | 1,454 |
| Net interest income | $5,992,000 | 2,976 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $352,000 | 6,459 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $352,000 | 3,597 |
| Total noninterest expense | $3,563,000 | 3,675 |
| Salaries and employee benefits | $1,922,000 | 3,425 |
| Premises and equipment expense | $466,000 | 3,985 |
| Additional noninterest expense | $1,175,000 | 3,806 |
| Pre-tax net operating income | $2,781,000 | 2,597 |
| Securities gains (losses) | $35,000 | 1,530 |
| Applicable income taxes | $1,126,000 | 2,143 |
| Income before extraordinary items | $1,690,000 | 2,914 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,690,000 | 2,911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $1,667,600 | 2,915 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $17,022,000 | 1,812 |
| Total interest expense | $9,567,000 | 1,358 |
| Net interest income | $7,455,000 | 2,430 |
| Provision for loan and lease losses | $13,000 | 8,228 |
| Total noninterest income | $325,000 | 6,951 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $325,000 | 3,880 |
| Total noninterest expense | $3,409,000 | 3,936 |
| Salaries and employee benefits | $1,847,000 | 3,526 |
| Premises and equipment expense | $484,000 | 3,911 |
| Additional noninterest expense | $1,078,000 | 4,420 |
| Pre-tax net operating income | $4,358,000 | 1,646 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $1,607,000 | 1,461 |
| Income before extraordinary items | $2,749,000 | 1,775 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,749,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,184 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,750,280 | 1,780 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,432,000 | 1,623 |
| Total interest expense | $10,731,000 | 1,265 |
| Net interest income | $8,701,000 | 2,070 |
| Provision for loan and lease losses | $-370,000 | 13,135 |
| Total noninterest income | $314,000 | 7,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $314,000 | 4,341 |
| Total noninterest expense | $3,820,000 | 3,629 |
| Salaries and employee benefits | $2,021,000 | 3,255 |
| Premises and equipment expense | $458,000 | 4,185 |
| Additional noninterest expense | $1,341,000 | 3,836 |
| Pre-tax net operating income | $5,565,000 | 1,248 |
| Securities gains (losses) | $24,000 | 4,420 |
| Applicable income taxes | $2,997,000 | 860 |
| Income before extraordinary items | $2,592,000 | 1,933 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,592,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $2,576,640 | 1,826 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,737,000 | 1,647 |
| Total interest expense | $14,001,000 | 1,267 |
| Net interest income | $7,736,000 | 2,333 |
| Provision for loan and lease losses | $270,000 | 4,396 |
| Total noninterest income | $338,000 | 7,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $338,000 | 4,117 |
| Total noninterest expense | $3,161,000 | 4,314 |
| Salaries and employee benefits | $1,624,000 | 3,939 |
| Premises and equipment expense | $436,000 | 4,467 |
| Additional noninterest expense | $1,101,000 | 4,685 |
| Pre-tax net operating income | $4,643,000 | 1,376 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $1,682,000 | 1,322 |
| Income before extraordinary items | $2,961,000 | 1,557 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,961,000 | 1,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,961,000 | 1,444 |
* 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.