Home > BTC Legacy Corp. > Income and Expense

BTC Legacy Corp., Income and Expense

2012-06-30 (YTD Data)		Rank
Total interest income	$974,000	6,329
Total interest expense	$174,000	5,999
Net interest income	$800,000	6,338
Provision for loan and lease losses	$-42,000	7,067
Total noninterest income	$42,000	6,558
Gross Fiduciary activities income	$0	1,262
Service charges on deposit accounts	$63,000	5,153
Trading account gains and fees	$0	153
Additional Noninterest Income	$-21,000	6,882
Total noninterest expense	$1,503,000	4,803
Salaries and employee benefits	$629,000	5,352
Premises and equipment expense	$245,000	3,922
Additional noninterest expense	$629,000	4,275
Pre-tax net operating income	$-619,000	6,859
Securities gains (losses)	$2,000	3,012
Applicable income taxes	$-2,000	6,772
Income before extraordinary items	$-615,000	6,906
Extraordinary gains, net	$0	19
Net income	$-615,000	6,905
Minority interest net income	$0	84
Net income of bank and minority interests.	$-615,000	6,906
Net charge-offs	$-21,000	6,811
Cash dividends	$0	3,576
Sale, conversion, retirement of capital stock, net	$0	928
Net operating income	$-617,000	6,874
2012-03-31 (YTD Data)		Rank
Total interest income	$501,000	6,344
Total interest expense	$91,000	6,032
Net interest income	$410,000	6,351
Provision for loan and lease losses	$-25,000	7,141
Total noninterest income	$22,000	6,584
Gross Fiduciary activities income	$0	1,204
Service charges on deposit accounts	$28,000	5,334
Trading account gains and fees	$0	148
Additional Noninterest Income	$-6,000	6,955
Total noninterest expense	$665,000	5,130
Salaries and employee benefits	$299,000	5,507
Premises and equipment expense	$125,000	3,884
Additional noninterest expense	$241,000	4,950
Pre-tax net operating income	$-208,000	6,854
Securities gains (losses)	$0	2,210
Applicable income taxes	$1,000	4,577
Income before extraordinary items	$-209,000	6,910
Extraordinary gains, net	$0	19
Net income	$-209,000	6,911
Minority interest net income	$0	78
Net income of bank and minority interests.	$-209,000	6,911
Net charge-offs	$10,000	4,036
Cash dividends	$0	2,768
Sale, conversion, retirement of capital stock, net	$0	861
Net operating income	$-209,000	6,873
2011-12-31 (YTD Data)		Rank
Total interest income	$2,332,000	6,210
Total interest expense	$456,000	6,012
Net interest income	$1,876,000	6,181
Provision for loan and lease losses	$117,000	5,217
Total noninterest income	$88,000	6,525
Gross Fiduciary activities income	$0	1,311
Service charges on deposit accounts	$147,000	4,925
Trading account gains and fees	$0	146
Additional Noninterest Income	$-59,000	6,840
Total noninterest expense	$3,171,000	4,734
Salaries and employee benefits	$1,377,000	5,179
Premises and equipment expense	$522,000	3,921
Additional noninterest expense	$1,272,000	4,289
Pre-tax net operating income	$-1,324,000	6,668
Securities gains (losses)	$125,000	1,876
Applicable income taxes	$-15,000	6,614
Income before extraordinary items	$-1,184,000	6,694
Extraordinary gains, net	$0	29
Net income	$-1,184,000	6,694
Minority interest net income	$0	96
Net income of bank and minority interests.	$-1,184,000	6,694
Net charge-offs	$329,000	3,697
Cash dividends	$30,000	4,066
Sale, conversion, retirement of capital stock, net	$0	1,108
Net operating income	$-1,307,750	6,690
2011-09-30 (YTD Data)		Rank
Total interest income	$1,804,000	6,225
Total interest expense	$353,000	6,069
Net interest income	$1,451,000	6,181
Provision for loan and lease losses	$151,000	4,476
Total noninterest income	$121,000	6,083
Gross Fiduciary activities income	$0	1,257
Service charges on deposit accounts	$110,000	4,962
Trading account gains and fees	$0	145
Additional Noninterest Income	$11,000	6,610
Total noninterest expense	$2,330,000	4,791
Salaries and employee benefits	$1,038,000	5,172
Premises and equipment expense	$401,000	3,902
Additional noninterest expense	$891,000	4,480
Pre-tax net operating income	$-909,000	6,771
Securities gains (losses)	$90,000	1,880
Applicable income taxes	$-39,000	6,902
Income before extraordinary items	$-780,000	6,793
Extraordinary gains, net	$0	21
Net income	$-780,000	6,794
Minority interest net income	$0	87
Net income of bank and minority interests.	$-780,000	6,793
Net charge-offs	$351,000	3,068
Cash dividends	$31,000	3,484
Sale, conversion, retirement of capital stock, net	$0	1,036
Net operating income	$-865,500	6,786
2011-06-30 (YTD Data)		Rank
Total interest income	$1,215,000	6,255
Total interest expense	$243,000	6,122
Net interest income	$972,000	6,214
Provision for loan and lease losses	$62,000	4,861
Total noninterest income	$86,000	6,032
Gross Fiduciary activities income	$0	1,239
Service charges on deposit accounts	$74,000	4,935
Trading account gains and fees	$0	153
Additional Noninterest Income	$12,000	6,522
Total noninterest expense	$1,566,000	4,823
Salaries and employee benefits	$703,000	5,160
Premises and equipment expense	$266,000	3,951
Additional noninterest expense	$597,000	4,541
Pre-tax net operating income	$-570,000	6,823
Securities gains (losses)	$12,000	2,290
Applicable income taxes	$-36,000	6,993
Income before extraordinary items	$-522,000	6,854
Extraordinary gains, net	$0	15
Net income	$-522,000	6,853
Minority interest net income	$0	89
Net income of bank and minority interests.	$-522,000	6,854
Net charge-offs	$149,000	3,418
Cash dividends	$30,000	3,221
Sale, conversion, retirement of capital stock, net	$0	986
Net operating income	$-533,280	6,846
2011-03-31 (YTD Data)		Rank
Total interest income	$597,000	6,322
Total interest expense	$123,000	6,185
Net interest income	$474,000	6,284
Provision for loan and lease losses	$27,000	4,803
Total noninterest income	$28,000	6,542
Gross Fiduciary activities income	$0	1,199
Service charges on deposit accounts	$36,000	4,928
Trading account gains and fees	$0	158
Additional Noninterest Income	$-8,000	7,172
Total noninterest expense	$744,000	4,991
Salaries and employee benefits	$340,000	5,307
Premises and equipment expense	$134,000	3,992
Additional noninterest expense	$270,000	4,792
Pre-tax net operating income	$-269,000	6,900
Securities gains (losses)	$1,000	1,662
Applicable income taxes	$-13,000	7,034
Income before extraordinary items	$-255,000	6,944
Extraordinary gains, net	$0	9
Net income	$-255,000	6,944
Minority interest net income	$0	86
Net income of bank and minority interests.	$-255,000	6,944
Net charge-offs	$-21,000	7,208
Cash dividends	$0	2,576
Sale, conversion, retirement of capital stock, net	$0	925
Net operating income	$-255,950	6,929
2010-12-31 (YTD Data)		Rank
Total interest income	$3,308,000	5,842
Total interest expense	$851,000	5,592
Net interest income	$2,457,000	5,802
Provision for loan and lease losses	$862,000	3,289
Total noninterest income	$1,398,000	2,641
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$214,000	4,291
Trading account gains and fees	$0	175
Additional Noninterest Income	$1,184,000	1,971
Total noninterest expense	$3,854,000	4,316
Salaries and employee benefits	$1,650,000	4,782
Premises and equipment expense	$612,000	3,673
Additional noninterest expense	$1,592,000	3,845
Pre-tax net operating income	$-861,000	6,414
Securities gains (losses)	$190,000	1,627
Applicable income taxes	$673,000	1,616
Income before extraordinary items	$-1,344,000	6,703
Extraordinary gains, net	$0	29
Net income	$-1,344,000	6,703
Minority interest net income	$0	111
Net income of bank and minority interests.	$-1,344,000	6,704
Net charge-offs	$1,400,000	2,261
Cash dividends	$94,000	3,758
Sale, conversion, retirement of capital stock, net	$0	1,226
Net operating income	$-1,534,000	6,726
2010-09-30 (YTD Data)		Rank
Total interest income	$2,714,000	5,742
Total interest expense	$706,000	5,510
Net interest income	$2,008,000	5,690
Provision for loan and lease losses	$599,000	3,263
Total noninterest income	$1,262,000	2,351
Gross Fiduciary activities income	$0	1,319
Service charges on deposit accounts	$179,000	4,154
Trading account gains and fees	$0	165
Additional Noninterest Income	$1,083,000	1,720
Total noninterest expense	$3,039,000	4,191
Salaries and employee benefits	$1,295,000	4,676
Premises and equipment expense	$454,000	3,751
Additional noninterest expense	$1,290,000	3,623
Pre-tax net operating income	$-368,000	6,450
Securities gains (losses)	$67,000	2,257
Applicable income taxes	$-39,000	6,945
Income before extraordinary items	$-262,000	6,499
Extraordinary gains, net	$0	23
Net income	$-262,000	6,500
Minority interest net income	$0	110
Net income of bank and minority interests.	$-262,000	6,499
Net charge-offs	$1,271,000	1,939
Cash dividends	$154,000	2,903
Sale, conversion, retirement of capital stock, net	$0	1,139
Net operating income	$-320,290	6,463
2010-06-30 (YTD Data)		Rank
Total interest income	$1,905,000	5,657
Total interest expense	$513,000	5,422
Net interest income	$1,392,000	5,635
Provision for loan and lease losses	$464,000	2,960
Total noninterest income	$88,000	6,266
Gross Fiduciary activities income	$0	1,300
Service charges on deposit accounts	$124,000	4,080
Trading account gains and fees	$0	152
Additional Noninterest Income	$-36,000	7,422
Total noninterest expense	$1,862,000	4,450
Salaries and employee benefits	$855,000	4,739
Premises and equipment expense	$306,000	3,743
Additional noninterest expense	$701,000	4,158
Pre-tax net operating income	$-846,000	6,928
Securities gains (losses)	$42,000	1,993
Applicable income taxes	$-106,000	7,207
Income before extraordinary items	$-698,000	6,962
Extraordinary gains, net	$0	19
Net income	$-698,000	6,962
Minority interest net income	$0	105
Net income of bank and minority interests.	$-698,000	6,962
Net charge-offs	$693,000	2,101
Cash dividends	$153,000	2,524
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-734,540	6,947
2010-03-31 (YTD Data)		Rank
Total interest income	$949,000	5,736
Total interest expense	$262,000	5,508
Net interest income	$687,000	5,706
Provision for loan and lease losses	$-9,000	7,845
Total noninterest income	$19,000	7,139
Gross Fiduciary activities income	$0	1,246
Service charges on deposit accounts	$59,000	4,162
Trading account gains and fees	$0	175
Additional Noninterest Income	$-40,000	7,660
Total noninterest expense	$940,000	4,461
Salaries and employee benefits	$439,000	4,722
Premises and equipment expense	$156,000	3,785
Additional noninterest expense	$345,000	4,200
Pre-tax net operating income	$-225,000	6,870
Securities gains (losses)	$19,000	1,545
Applicable income taxes	$-34,000	7,260
Income before extraordinary items	$-172,000	6,889
Extraordinary gains, net	$0	16
Net income	$-172,000	6,890
Minority interest net income	$0	91
Net income of bank and minority interests.	$-172,000	6,889
Net charge-offs	$542,000	1,521
Cash dividends	$75,000	2,074
Sale, conversion, retirement of capital stock, net	$0	1,017
Net operating income	$-187,770	6,877
2009-12-31 (YTD Data)		Rank
Total interest income	$4,366,000	5,491
Total interest expense	$1,657,000	4,924
Net interest income	$2,709,000	5,636
Provision for loan and lease losses	$960,000	3,574
Total noninterest income	$203,000	6,203
Gross Fiduciary activities income	$0	1,390
Service charges on deposit accounts	$239,000	4,311
Trading account gains and fees	$0	211
Additional Noninterest Income	$-36,000	7,515
Total noninterest expense	$4,240,000	4,179
Salaries and employee benefits	$1,781,000	4,695
Premises and equipment expense	$668,000	3,592
Additional noninterest expense	$1,791,000	3,608
Pre-tax net operating income	$-2,288,000	6,710
Securities gains (losses)	$262,000	1,349
Applicable income taxes	$187,000	2,434
Income before extraordinary items	$-2,213,000	6,812
Extraordinary gains, net	$0	34
Net income	$-2,213,000	6,809
Minority interest net income	$0	115
Net income of bank and minority interests.	$-2,213,000	6,810
Net charge-offs	$1,520,000	2,357
Cash dividends	$350,000	3,024
Sale, conversion, retirement of capital stock, net	$0	1,342
Net operating income	$-2,475,000	6,885
2009-09-30 (YTD Data)		Rank
Total interest income	$3,296,000	5,547
Total interest expense	$1,321,000	4,924
Net interest income	$1,975,000	5,732
Provision for loan and lease losses	$365,000	4,308
Total noninterest income	$182,000	6,050
Gross Fiduciary activities income	$0	1,353
Service charges on deposit accounts	$176,000	4,372
Trading account gains and fees	$0	212
Additional Noninterest Income	$6,000	7,405
Total noninterest expense	$3,095,000	4,271
Salaries and employee benefits	$1,330,000	4,733
Premises and equipment expense	$515,000	3,547
Additional noninterest expense	$1,250,000	3,769
Pre-tax net operating income	$-1,303,000	6,787
Securities gains (losses)	$247,000	1,150
Applicable income taxes	$-364,000	7,255
Income before extraordinary items	$-692,000	6,563
Extraordinary gains, net	$0	27
Net income	$-692,000	6,564
Minority interest net income	$0	118
Net income of bank and minority interests.	$-692,000	6,564
Net charge-offs	$428,000	3,255
Cash dividends	$294,000	2,678
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-855,020	6,661
2009-06-30 (YTD Data)		Rank
Total interest income	$2,257,000	5,529
Total interest expense	$931,000	4,908
Net interest income	$1,326,000	5,724
Provision for loan and lease losses	$173,000	4,564
Total noninterest income	$131,000	5,949
Gross Fiduciary activities income	$0	1,340
Service charges on deposit accounts	$114,000	4,395
Trading account gains and fees	$0	193
Additional Noninterest Income	$17,000	6,927
Total noninterest expense	$1,971,000	4,420
Salaries and employee benefits	$875,000	4,828
Premises and equipment expense	$343,000	3,582
Additional noninterest expense	$753,000	4,053
Pre-tax net operating income	$-687,000	6,793
Securities gains (losses)	$247,000	887
Applicable income taxes	$-153,000	7,247
Income before extraordinary items	$-287,000	6,522
Extraordinary gains, net	$0	21
Net income	$-287,000	6,521
Minority interest net income	$0	112
Net income of bank and minority interests.	$-287,000	6,521
Net charge-offs	$278,000	3,027
Cash dividends	$179,000	2,801
Sale, conversion, retirement of capital stock, net	$0	1,195
Net operating income	$-447,550	6,688
2009-03-31 (YTD Data)		Rank
Total interest income	$1,192,000	5,422
Total interest expense	$492,000	4,871
Net interest income	$700,000	5,589
Provision for loan and lease losses	$13,000	6,217
Total noninterest income	$96,000	5,277
Gross Fiduciary activities income	$0	1,285
Service charges on deposit accounts	$55,000	4,417
Trading account gains and fees	$0	171
Additional Noninterest Income	$41,000	5,170
Total noninterest expense	$1,023,000	4,245
Salaries and employee benefits	$473,000	4,656
Premises and equipment expense	$171,000	3,628
Additional noninterest expense	$379,000	3,742
Pre-tax net operating income	$-240,000	6,964
Securities gains (losses)	$201,000	666
Applicable income taxes	$-5,000	7,129
Income before extraordinary items	$-34,000	6,587
Extraordinary gains, net	$0	15
Net income	$-34,000	6,588
Minority interest net income	$0	102
Net income of bank and minority interests.	$-34,000	6,588
Net charge-offs	$179,000	2,235
Cash dividends	$36,000	2,792
Sale, conversion, retirement of capital stock, net	$0	1,068
Net operating income	$-208,870	6,974
2008-12-31 (YTD Data)		Rank
Total interest income	$5,414,000	5,242
Total interest expense	$2,507,000	4,740
Net interest income	$2,907,000	5,493
Provision for loan and lease losses	$1,762,000	1,953
Total noninterest income	$399,000	5,281
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$246,000	4,390
Trading account gains and fees	$0	154
Additional Noninterest Income	$153,000	5,275
Total noninterest expense	$3,575,000	4,561
Salaries and employee benefits	$1,707,000	4,956
Premises and equipment expense	$698,000	3,525
Additional noninterest expense	$1,170,000	4,368
Pre-tax net operating income	$-2,031,000	7,366
Securities gains (losses)	$118,000	1,009
Applicable income taxes	$-354,000	7,376
Income before extraordinary items	$-1,559,000	7,224
Extraordinary gains, net	$0	39
Net income	$-1,559,000	7,221
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$662,000	2,429
Cash dividends	$130,000	4,808
Sale, conversion, retirement of capital stock, net	$0	1,389
Net operating income	$-1,654,580	7,362
2008-09-30 (YTD Data)		Rank
Total interest income	$4,117,000	5,269
Total interest expense	$1,941,000	4,767
Net interest income	$2,176,000	5,545
Provision for loan and lease losses	$-46,000	8,302
Total noninterest income	$496,000	4,346
Gross Fiduciary activities income	$0	1,405
Service charges on deposit accounts	$188,000	4,372
Trading account gains and fees	$0	148
Additional Noninterest Income	$308,000	3,649
Total noninterest expense	$2,747,000	4,489
Salaries and employee benefits	$1,326,000	4,850
Premises and equipment expense	$525,000	3,524
Additional noninterest expense	$896,000	4,221
Pre-tax net operating income	$-29,000	6,810
Securities gains (losses)	$74,000	1,153
Applicable income taxes	$8,000	4,921
Income before extraordinary items	$37,000	6,462
Extraordinary gains, net	$0	31
Net income	$37,000	6,460
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$31,000	5,121
Cash dividends	$92,000	4,477
Sale, conversion, retirement of capital stock, net	$0	1,238
Net operating income	$-23,680	6,825
2008-06-30 (YTD Data)		Rank
Total interest income	$2,711,000	5,367
Total interest expense	$1,352,000	4,789
Net interest income	$1,359,000	5,762
Provision for loan and lease losses	$-39,000	8,368
Total noninterest income	$413,000	3,951
Gross Fiduciary activities income	$0	1,395
Service charges on deposit accounts	$119,000	4,497
Trading account gains and fees	$0	149
Additional Noninterest Income	$294,000	3,055
Total noninterest expense	$1,846,000	4,494
Salaries and employee benefits	$890,000	4,869
Premises and equipment expense	$350,000	3,552
Additional noninterest expense	$606,000	4,160
Pre-tax net operating income	$-35,000	7,055
Securities gains (losses)	$49,000	1,459
Applicable income taxes	$7,000	5,127
Income before extraordinary items	$7,000	6,967
Extraordinary gains, net	$0	21
Net income	$7,000	6,967
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-35,000	8,190
Cash dividends	$61,000	4,381
Sale, conversion, retirement of capital stock, net	$0	1,136
Net operating income	$-24,360	7,050
2008-03-31 (YTD Data)		Rank
Total interest income	$1,378,000	5,420
Total interest expense	$712,000	4,836
Net interest income	$666,000	5,819
Provision for loan and lease losses	$-34,000	8,411
Total noninterest income	$115,000	5,170
Gross Fiduciary activities income	$0	1,326
Service charges on deposit accounts	$60,000	4,445
Trading account gains and fees	$0	158
Additional Noninterest Income	$55,000	4,866
Total noninterest expense	$918,000	4,514
Salaries and employee benefits	$449,000	4,893
Premises and equipment expense	$164,000	3,723
Additional noninterest expense	$305,000	4,063
Pre-tax net operating income	$-103,000	7,571
Securities gains (losses)	$25,000	1,479
Applicable income taxes	$-18,000	7,890
Income before extraordinary items	$-60,000	7,542
Extraordinary gains, net	$0	15
Net income	$-60,000	7,541
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-34,000	8,257
Cash dividends	$31,000	3,514
Sale, conversion, retirement of capital stock, net	$0	1,000
Net operating income	$-79,250	7,548
2007-12-31 (YTD Data)		Rank
Total interest income	$5,807,000	5,331
Total interest expense	$2,938,000	4,859
Net interest income	$2,869,000	5,614
Provision for loan and lease losses	$-49,000	8,310
Total noninterest income	$393,000	5,528
Gross Fiduciary activities income	$0	1,498
Service charges on deposit accounts	$274,000	4,278
Trading account gains and fees	$0	178
Additional Noninterest Income	$119,000	5,953
Total noninterest expense	$3,617,000	4,421
Salaries and employee benefits	$1,785,000	4,773
Premises and equipment expense	$647,000	3,646
Additional noninterest expense	$1,185,000	4,108
Pre-tax net operating income	$-306,000	7,715
Securities gains (losses)	$-150,000	8,222
Applicable income taxes	$-186,000	8,119
Income before extraordinary items	$-270,000	7,757
Extraordinary gains, net	$0	39
Net income	$-270,000	7,755
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,158,000	922
Cash dividends	$104,000	5,327
Sale, conversion, retirement of capital stock, net	$0	1,304
Net operating income	$-174,000	7,674
2007-09-30 (YTD Data)		Rank
Total interest income	$4,338,000	5,359
Total interest expense	$2,203,000	4,876
Net interest income	$2,135,000	5,665
Provision for loan and lease losses	$-353,000	8,506
Total noninterest income	$296,000	5,563
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$208,000	4,259
Trading account gains and fees	$0	184
Additional Noninterest Income	$88,000	6,009
Total noninterest expense	$2,683,000	4,434
Salaries and employee benefits	$1,360,000	4,685
Premises and equipment expense	$479,000	3,663
Additional noninterest expense	$844,000	4,216
Pre-tax net operating income	$101,000	7,320
Securities gains (losses)	$-152,000	8,351
Applicable income taxes	$-28,000	8,108
Income before extraordinary items	$-23,000	7,727
Extraordinary gains, net	$0	33
Net income	$-23,000	7,724
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,006,000	655
Cash dividends	$63,000	4,865
Sale, conversion, retirement of capital stock, net	$0	1,144
Net operating income	$74,280	7,367
2007-06-30 (YTD Data)		Rank
Total interest income	$2,880,000	5,385
Total interest expense	$1,474,000	4,848
Net interest income	$1,406,000	5,739
Provision for loan and lease losses	$-76,000	8,455
Total noninterest income	$191,000	5,667
Gross Fiduciary activities income	$0	1,429
Service charges on deposit accounts	$132,000	4,366
Trading account gains and fees	$0	168
Additional Noninterest Income	$59,000	6,023
Total noninterest expense	$1,760,000	4,506
Salaries and employee benefits	$899,000	4,759
Premises and equipment expense	$310,000	3,769
Additional noninterest expense	$551,000	4,273
Pre-tax net operating income	$-87,000	7,956
Securities gains (losses)	$-152,000	8,444
Applicable income taxes	$-60,000	8,315
Income before extraordinary items	$-179,000	8,093
Extraordinary gains, net	$0	29
Net income	$-179,000	8,092
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$954,000	462
Cash dividends	$36,000	4,778
Sale, conversion, retirement of capital stock, net	$0	1,051
Net operating income	$-65,000	7,929
2007-03-31 (YTD Data)		Rank
Total interest income	$1,460,000	5,351
Total interest expense	$749,000	4,778
Net interest income	$711,000	5,723
Provision for loan and lease losses	$-45,000	8,504
Total noninterest income	$98,000	5,587
Gross Fiduciary activities income	$0	1,355
Service charges on deposit accounts	$67,000	4,285
Trading account gains and fees	$0	195
Additional Noninterest Income	$31,000	5,926
Total noninterest expense	$862,000	4,573
Salaries and employee benefits	$444,000	4,830
Premises and equipment expense	$144,000	3,967
Additional noninterest expense	$274,000	4,233
Pre-tax net operating income	$-8,000	7,897
Securities gains (losses)	$-25,000	8,404
Applicable income taxes	$-16,000	8,283
Income before extraordinary items	$-17,000	7,948
Extraordinary gains, net	$0	22
Net income	$-17,000	7,947
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-8,000	7,735
Cash dividends	$18,000	3,837
Sale, conversion, retirement of capital stock, net	$0	885
Net operating income	$-1,000	7,856
2006-12-31 (YTD Data)		Rank
Total interest income	$5,631,000	5,205
Total interest expense	$2,926,000	4,378
Net interest income	$2,705,000	5,805
Provision for loan and lease losses	$1,142,000	921
Total noninterest income	$546,000	4,938
Gross Fiduciary activities income	$0	1,523
Service charges on deposit accounts	$231,000	4,679
Trading account gains and fees	$0	130
Additional Noninterest Income	$315,000	4,210
Total noninterest expense	$3,125,000	4,750
Salaries and employee benefits	$1,642,000	4,902
Premises and equipment expense	$450,000	4,566
Additional noninterest expense	$1,033,000	4,406
Pre-tax net operating income	$-1,016,000	8,424
Securities gains (losses)	$-210,000	8,387
Applicable income taxes	$-532,000	8,576
Income before extraordinary items	$-694,000	8,368
Extraordinary gains, net	$0	51
Net income	$-694,000	8,369
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,587
Cash dividends	$21,000	5,849
Sale, conversion, retirement of capital stock, net	$0	1,251
Net operating income	$-559,600	8,317
2006-09-30 (YTD Data)		Rank
Total interest income	$4,116,000	5,282
Total interest expense	$2,130,000	4,375
Net interest income	$1,986,000	5,918
Provision for loan and lease losses	$-13,000	8,477
Total noninterest income	$466,000	4,675
Gross Fiduciary activities income	$0	1,468
Service charges on deposit accounts	$167,000	4,809
Trading account gains and fees	$0	126
Additional Noninterest Income	$299,000	3,734
Total noninterest expense	$2,298,000	4,806
Salaries and employee benefits	$1,218,000	4,917
Premises and equipment expense	$314,000	4,778
Additional noninterest expense	$766,000	4,417
Pre-tax net operating income	$167,000	7,556
Securities gains (losses)	$-134,000	8,475
Applicable income taxes	$-40,000	8,489
Income before extraordinary items	$73,000	7,856
Extraordinary gains, net	$0	45
Net income	$73,000	7,858
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$7,000	5,016
Cash dividends	$21,000	5,188
Sale, conversion, retirement of capital stock, net	$0	1,045
Net operating income	$207,000	7,184
2006-06-30 (YTD Data)		Rank
Total interest income	$2,603,000	5,401
Total interest expense	$1,319,000	4,443
Net interest income	$1,284,000	6,034
Provision for loan and lease losses	$-18,000	8,523
Total noninterest income	$196,000	5,687
Gross Fiduciary activities income	$0	1,458
Service charges on deposit accounts	$106,000	4,898
Trading account gains and fees	$0	126
Additional Noninterest Income	$90,000	5,350
Total noninterest expense	$1,446,000	5,017
Salaries and employee benefits	$766,000	5,127
Premises and equipment expense	$182,000	5,229
Additional noninterest expense	$498,000	4,499
Pre-tax net operating income	$52,000	7,945
Securities gains (losses)	$33,000	516
Applicable income taxes	$-30,000	8,547
Income before extraordinary items	$115,000	7,427
Extraordinary gains, net	$0	39
Net income	$115,000	7,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-38,000	8,332
Cash dividends	$21,000	4,968
Sale, conversion, retirement of capital stock, net	$0	887
Net operating income	$82,000	7,674
2006-03-31 (YTD Data)		Rank
Total interest income	$1,224,000	5,549
Total interest expense	$612,000	4,524
Net interest income	$612,000	6,180
Provision for loan and lease losses	$0	6,013
Total noninterest income	$98,000	5,636
Gross Fiduciary activities income	$0	1,380
Service charges on deposit accounts	$52,000	4,862
Trading account gains and fees	$0	115
Additional Noninterest Income	$46,000	5,273
Total noninterest expense	$709,000	5,090
Salaries and employee benefits	$372,000	5,244
Premises and equipment expense	$94,000	5,139
Additional noninterest expense	$243,000	4,562
Pre-tax net operating income	$1,000	8,180
Securities gains (losses)	$17,000	498
Applicable income taxes	$-15,000	8,547
Income before extraordinary items	$33,000	7,789
Extraordinary gains, net	$0	21
Net income	$33,000	7,789
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-17,000	8,092
Cash dividends	$11,000	3,886
Sale, conversion, retirement of capital stock, net	$0	648
Net operating income	$16,000	8,035
2005-12-31 (YTD Data)		Rank
Total interest income	$4,050,000	5,792
Total interest expense	$1,574,000	5,112
Net interest income	$2,476,000	6,072
Provision for loan and lease losses	$0	7,120
Total noninterest income	$318,000	6,216
Gross Fiduciary activities income	$0	1,557
Service charges on deposit accounts	$199,000	5,053
Trading account gains and fees	$0	138
Additional Noninterest Income	$119,000	6,127
Total noninterest expense	$2,700,000	5,119
Salaries and employee benefits	$1,426,000	5,216
Premises and equipment expense	$365,000	5,152
Additional noninterest expense	$909,000	4,734
Pre-tax net operating income	$94,000	8,017
Securities gains (losses)	$82,000	769
Applicable income taxes	$42,000	5,971
Income before extraordinary items	$134,000	7,852
Extraordinary gains, net	$0	46
Net income	$134,000	7,852
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-13,000	8,134
Cash dividends	$84,000	5,598
Sale, conversion, retirement of capital stock, net	$0	934
Net operating income	$71,680	8,037
2005-09-30 (YTD Data)		Rank
Total interest income	$2,934,000	5,864
Total interest expense	$1,091,000	5,201
Net interest income	$1,843,000	6,123
Provision for loan and lease losses	$0	6,899
Total noninterest income	$268,000	6,013
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$146,000	5,131
Trading account gains and fees	$0	126
Additional Noninterest Income	$122,000	5,575
Total noninterest expense	$2,017,000	5,115
Salaries and employee benefits	$1,079,000	5,168
Premises and equipment expense	$279,000	5,069
Additional noninterest expense	$659,000	4,803
Pre-tax net operating income	$94,000	8,042
Securities gains (losses)	$10,000	1,474
Applicable income taxes	$-3,000	8,561
Income before extraordinary items	$107,000	7,917
Extraordinary gains, net	$0	35
Net income	$107,000	7,918
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-10,000	7,912
Cash dividends	$63,000	4,931
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$97,000	7,955
2005-06-30 (YTD Data)		Rank
Total interest income	$1,892,000	5,901
Total interest expense	$666,000	5,292
Net interest income	$1,226,000	6,112
Provision for loan and lease losses	$0	6,626
Total noninterest income	$169,000	6,107
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$95,000	5,143
Trading account gains and fees	$0	116
Additional Noninterest Income	$74,000	5,767
Total noninterest expense	$1,320,000	5,168
Salaries and employee benefits	$690,000	5,290
Premises and equipment expense	$182,000	5,135
Additional noninterest expense	$448,000	4,737
Pre-tax net operating income	$75,000	8,001
Securities gains (losses)	$-2,000	7,723
Applicable income taxes	$0	6,961
Income before extraordinary items	$73,000	7,940
Extraordinary gains, net	$0	30
Net income	$73,000	7,940
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-11,000	7,892
Cash dividends	$42,000	4,798
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$75,000	7,880
2005-03-31 (YTD Data)		Rank
Total interest income	$911,000	6,013
Total interest expense	$308,000	5,404
Net interest income	$603,000	6,212
Provision for loan and lease losses	$0	6,226
Total noninterest income	$74,000	6,332
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$45,000	5,216
Trading account gains and fees	$0	115
Additional Noninterest Income	$29,000	6,226
Total noninterest expense	$632,000	5,336
Salaries and employee benefits	$319,000	5,588
Premises and equipment expense	$92,000	5,144
Additional noninterest expense	$221,000	4,745
Pre-tax net operating income	$45,000	7,959
Securities gains (losses)	$2,000	1,406
Applicable income taxes	$4,000	6,466
Income before extraordinary items	$43,000	7,879
Extraordinary gains, net	$0	24
Net income	$43,000	7,879
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-3,000	7,322
Cash dividends	$21,000	3,729
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$41,180	7,886
2004-12-31 (YTD Data)		Rank
Total interest income	$3,640,000	5,856
Total interest expense	$1,250,000	5,009
Net interest income	$2,390,000	6,142
Provision for loan and lease losses	$0	7,314
Total noninterest income	$870,000	3,848
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$209,000	5,129
Trading account gains and fees	$0	138
Additional Noninterest Income	$661,000	2,816
Total noninterest expense	$2,736,000	4,983
Salaries and employee benefits	$1,403,000	5,164
Premises and equipment expense	$353,000	5,182
Additional noninterest expense	$980,000	4,424
Pre-tax net operating income	$524,000	6,643
Securities gains (losses)	$16,000	2,543
Applicable income taxes	$149,000	5,111
Income before extraordinary items	$391,000	6,817
Extraordinary gains, net	$0	34
Net income	$391,000	6,819
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-24,000	8,502
Cash dividends	$53,000	5,807
Sale, conversion, retirement of capital stock, net	$0	872
Net operating income	$379,480	6,820
2004-09-30 (YTD Data)		Rank
Total interest income	$2,733,000	5,842
Total interest expense	$958,000	4,902
Net interest income	$1,775,000	6,169
Provision for loan and lease losses	$0	7,100
Total noninterest income	$803,000	3,397
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$158,000	5,152
Trading account gains and fees	$0	134
Additional Noninterest Income	$645,000	2,393
Total noninterest expense	$2,126,000	4,803
Salaries and employee benefits	$1,112,000	4,940
Premises and equipment expense	$268,000	5,108
Additional noninterest expense	$746,000	4,308
Pre-tax net operating income	$452,000	6,537
Securities gains (losses)	$10,000	2,712
Applicable income taxes	$131,000	5,029
Income before extraordinary items	$331,000	6,718
Extraordinary gains, net	$0	26
Net income	$331,000	6,718
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-12,000	8,219
Cash dividends	$32,000	5,139
Sale, conversion, retirement of capital stock, net	$0	738
Net operating income	$323,800	6,689
2004-06-30 (YTD Data)		Rank
Total interest income	$1,859,000	5,793
Total interest expense	$674,000	4,774
Net interest income	$1,185,000	6,183
Provision for loan and lease losses	$0	6,885
Total noninterest income	$681,000	2,893
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$104,000	5,184
Trading account gains and fees	$0	130
Additional Noninterest Income	$577,000	1,982
Total noninterest expense	$1,390,000	4,909
Salaries and employee benefits	$717,000	5,077
Premises and equipment expense	$182,000	5,083
Additional noninterest expense	$491,000	4,375
Pre-tax net operating income	$476,000	5,434
Securities gains (losses)	$8,000	2,538
Applicable income taxes	$144,000	4,319
Income before extraordinary items	$340,000	5,745
Extraordinary gains, net	$0	21
Net income	$340,000	5,745
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	7,524
Cash dividends	$32,000	4,849
Sale, conversion, retirement of capital stock, net	$0	638
Net operating income	$334,400	5,705
2004-03-31 (YTD Data)		Rank
Total interest income	$962,000	5,695
Total interest expense	$353,000	4,681
Net interest income	$609,000	6,111
Provision for loan and lease losses	$0	6,501
Total noninterest income	$109,000	5,576
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$51,000	5,172
Trading account gains and fees	$0	121
Additional Noninterest Income	$58,000	4,809
Total noninterest expense	$683,000	4,997
Salaries and employee benefits	$350,000	5,185
Premises and equipment expense	$90,000	5,166
Additional noninterest expense	$243,000	4,416
Pre-tax net operating income	$35,000	8,111
Securities gains (losses)	$10,000	2,045
Applicable income taxes	$3,000	6,752
Income before extraordinary items	$42,000	7,936
Extraordinary gains, net	$0	16
Net income	$42,000	7,937
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$4,000	4,263
Cash dividends	$11,000	3,773
Sale, conversion, retirement of capital stock, net	$0	464
Net operating income	$32,700	8,044
2003-12-31 (YTD Data)		Rank
Total interest income	$4,219,000	5,453
Total interest expense	$1,768,000	4,395
Net interest income	$2,451,000	5,969
Provision for loan and lease losses	$61,000	5,962
Total noninterest income	$391,000	6,013
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$236,000	4,882
Trading account gains and fees	$0	160
Additional Noninterest Income	$155,000	5,766
Total noninterest expense	$2,814,000	4,811
Salaries and employee benefits	$1,490,000	4,865
Premises and equipment expense	$363,000	5,052
Additional noninterest expense	$961,000	4,403
Pre-tax net operating income	$-33,000	8,583
Securities gains (losses)	$149,000	1,565
Applicable income taxes	$-23,000	8,816
Income before extraordinary items	$139,000	8,055
Extraordinary gains, net	$0	54
Net income	$139,000	8,057
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$125,000	3,676
Cash dividends	$14,000	6,196
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$-10,000	8,554
2003-09-30 (YTD Data)		Rank
Total interest income	$3,207,000	5,474
Total interest expense	$1,397,000	4,365
Net interest income	$1,810,000	6,031
Provision for loan and lease losses	$50,000	5,747
Total noninterest income	$297,000	6,033
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$183,000	4,842
Trading account gains and fees	$0	153
Additional Noninterest Income	$114,000	5,828
Total noninterest expense	$2,143,000	4,754
Salaries and employee benefits	$1,162,000	4,740
Premises and equipment expense	$277,000	4,989
Additional noninterest expense	$704,000	4,455
Pre-tax net operating income	$-86,000	8,750
Securities gains (losses)	$63,000	2,122
Applicable income taxes	$-59,000	9,029
Income before extraordinary items	$36,000	8,590
Extraordinary gains, net	$0	40
Net income	$36,000	8,591
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$116,000	3,015
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$-4,320	8,644
2003-06-30 (YTD Data)		Rank
Total interest income	$2,222,000	5,384
Total interest expense	$987,000	4,289
Net interest income	$1,235,000	5,981
Provision for loan and lease losses	$50,000	5,111
Total noninterest income	$136,000	6,829
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$82,000	5,716
Trading account gains and fees	$0	150
Additional Noninterest Income	$54,000	6,441
Total noninterest expense	$1,360,000	4,915
Salaries and employee benefits	$765,000	4,776
Premises and equipment expense	$175,000	5,140
Additional noninterest expense	$420,000	4,834
Pre-tax net operating income	$-39,000	8,754
Securities gains (losses)	$32,000	2,321
Applicable income taxes	$-32,000	9,059
Income before extraordinary items	$25,000	8,620
Extraordinary gains, net	$0	30
Net income	$25,000	8,621
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$109,000	2,378
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$4,520	8,624
2003-03-31 (YTD Data)		Rank
Total interest income	$1,114,000	5,389
Total interest expense	$512,000	4,269
Net interest income	$602,000	6,052
Provision for loan and lease losses	$50,000	3,651
Total noninterest income	$75,000	6,577
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$40,000	5,673
Trading account gains and fees	$0	134
Additional Noninterest Income	$35,000	5,938
Total noninterest expense	$679,000	4,900
Salaries and employee benefits	$381,000	4,785
Premises and equipment expense	$95,000	4,865
Additional noninterest expense	$203,000	4,916
Pre-tax net operating income	$-52,000	8,896
Securities gains (losses)	$7,000	2,278
Applicable income taxes	$-29,000	9,131
Income before extraordinary items	$-16,000	8,862
Extraordinary gains, net	$0	21
Net income	$-16,000	8,859
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$120,000	1,329
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$-20,480	8,777
2002-12-31 (YTD Data)		Rank
Total interest income	$5,010,000	5,166
Total interest expense	$2,592,000	3,984
Net interest income	$2,418,000	6,019
Provision for loan and lease losses	$0	8,089
Total noninterest income	$185,000	7,468
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$141,000	5,947
Trading account gains and fees	$0	153
Additional Noninterest Income	$44,000	7,759
Total noninterest expense	$2,761,000	4,733
Salaries and employee benefits	$1,567,000	4,526
Premises and equipment expense	$346,000	5,129
Additional noninterest expense	$848,000	4,736
Pre-tax net operating income	$-158,000	8,808
Securities gains (losses)	$80,000	1,959
Applicable income taxes	$-93,000	9,057
Income before extraordinary items	$15,000	8,679
Extraordinary gains, net	$0	70
Net income	$15,000	8,681
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$47,000	5,336
Cash dividends	$53,000	5,934
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-36,200	8,707
2001-12-31 (YTD Data)		Rank
Total interest income	$5,611,000	5,215
Total interest expense	$3,058,000	4,652
Net interest income	$2,553,000	5,649
Provision for loan and lease losses	$160,000	4,638
Total noninterest income	$307,000	6,362
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$122,000	6,222
Trading account gains and fees	$0	177
Additional Noninterest Income	$185,000	5,092
Total noninterest expense	$2,751,000	4,634
Salaries and employee benefits	$1,543,000	4,418
Premises and equipment expense	$350,000	5,032
Additional noninterest expense	$858,000	4,559
Pre-tax net operating income	$-51,000	8,814
Securities gains (losses)	$101,000	1,734
Applicable income taxes	$-59,000	9,181
Income before extraordinary items	$109,000	8,274
Extraordinary gains, net	$0	105
Net income	$109,000	8,272
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$439,000	1,710
Cash dividends	$84,000	5,870
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$8,000	8,705
2000-12-31 (YTD Data)		Rank
Total interest income	$5,288,000	5,535
Total interest expense	$2,542,000	5,502
Net interest income	$2,746,000	5,473
Provision for loan and lease losses	$397,000	2,295
Total noninterest income	$278,000	6,492
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$163,000	5,588
Trading account gains and fees	NA	NA
Additional Noninterest Income	$115,000	6,102
Total noninterest expense	$2,682,000	4,614
Salaries and employee benefits	$1,521,000	4,312
Premises and equipment expense	$311,000	5,321
Additional noninterest expense	$850,000	4,533
Pre-tax net operating income	$-55,000	9,204
Securities gains (losses)	$254,000	371
Applicable income taxes	$34,000	7,524
Income before extraordinary items	$165,000	8,318
Extraordinary gains, net	$0	38
Net income	$165,000	8,316
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$237,000	2,131
Cash dividends	$84,000	6,100
Sale, conversion, retirement of capital stock, net	$0	969
Net operating income	$-45,820	9,197
1999-12-31 (YTD Data)		Rank
Total interest income	$4,353,000	6,055
Total interest expense	$1,995,000	6,009
Net interest income	$2,358,000	6,016
Provision for loan and lease losses	$0	8,503
Total noninterest income	$358,000	5,938
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$147,000	5,898
Trading account gains and fees	NA	NA
Additional Noninterest Income	$211,000	4,819
Total noninterest expense	$2,302,000	5,153
Salaries and employee benefits	$1,279,000	4,927
Premises and equipment expense	$245,000	6,111
Additional noninterest expense	$778,000	4,899
Pre-tax net operating income	$414,000	7,525
Securities gains (losses)	$-3,000	8,917
Applicable income taxes	$129,000	6,528
Income before extraordinary items	$282,000	7,707
Extraordinary gains, net	$0	35
Net income	$282,000	7,706
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$193,000	2,454
Cash dividends	$84,000	6,254
Sale, conversion, retirement of capital stock, net	$0	1,035
Net operating income	$284,070	7,676
1998-12-31 (YTD Data)		Rank
Total interest income	$4,397,000	6,144
Total interest expense	$1,904,000	6,343
Net interest income	$2,493,000	5,871
Provision for loan and lease losses	$250,000	2,981
Total noninterest income	$223,000	7,296
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$169,000	5,620
Trading account gains and fees	NA	NA
Additional Noninterest Income	$54,000	8,037
Total noninterest expense	$2,169,000	5,281
Salaries and employee benefits	$1,123,000	5,321
Premises and equipment expense	$224,000	6,354
Additional noninterest expense	$822,000	4,589
Pre-tax net operating income	$297,000	8,418
Securities gains (losses)	$0	4,449
Applicable income taxes	$87,000	7,722
Income before extraordinary items	$210,000	8,547
Extraordinary gains, net	$0	32
Net income	$210,000	8,546
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$504,000	1,238
Cash dividends	$84,000	6,457
Sale, conversion, retirement of capital stock, net	$0	1,027
Net operating income	$210,000	8,467
1997-12-31 (YTD Data)		Rank
Total interest income	$4,404,000	6,308
Total interest expense	$1,778,000	6,729
Net interest income	$2,626,000	5,850
Provision for loan and lease losses	$1,066,000	941
Total noninterest income	$280,000	6,883
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$195,000	5,414
Trading account gains and fees	NA	NA
Additional Noninterest Income	$85,000	7,227
Total noninterest expense	$1,970,000	5,714
Salaries and employee benefits	$958,000	6,011
Premises and equipment expense	$224,000	6,433
Additional noninterest expense	$788,000	4,784
Pre-tax net operating income	$-130,000	10,514
Securities gains (losses)	$136,000	853
Applicable income taxes	$-18,000	10,545
Income before extraordinary items	$24,000	10,344
Extraordinary gains, net	$0	44
Net income	$24,000	10,346
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$341,000	1,799
Cash dividends	$84,000	6,721
Sale, conversion, retirement of capital stock, net	$0	1,030
Net operating income	$-112,000	10,508
1996-12-31 (YTD Data)		Rank
Total interest income	$4,030,000	6,841
Total interest expense	$1,681,000	7,139
Net interest income	$2,349,000	6,478
Provision for loan and lease losses	$80,000	5,594
Total noninterest income	$335,000	6,564
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$210,000	5,392
Trading account gains and fees	NA	NA
Additional Noninterest Income	$125,000	6,477
Total noninterest expense	$1,593,000	6,864
Salaries and employee benefits	$824,000	6,863
Premises and equipment expense	$230,000	6,529
Additional noninterest expense	$539,000	6,774
Pre-tax net operating income	$1,011,000	5,698
Securities gains (losses)	$0	4,148
Applicable income taxes	$326,000	5,553
Income before extraordinary items	$685,000	5,826
Extraordinary gains, net	$0	53
Net income	$685,000	5,827
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$35,000	5,926
Cash dividends	$168,000	5,798
Sale, conversion, retirement of capital stock, net	$0	953
Net operating income	$685,000	5,768
1995-12-31 (YTD Data)		Rank
Total interest income	$3,619,000	7,405
Total interest expense	$1,474,000	7,779
Net interest income	$2,145,000	6,992
Provision for loan and lease losses	$45,000	6,418
Total noninterest income	$291,000	7,172
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$199,000	5,705
Trading account gains and fees	NA	NA
Additional Noninterest Income	$92,000	7,497
Total noninterest expense	$1,582,000	7,027
Salaries and employee benefits	$824,000	6,975
Premises and equipment expense	$243,000	6,462
Additional noninterest expense	$515,000	7,133
Pre-tax net operating income	$809,000	6,797
Securities gains (losses)	$0	3,831
Applicable income taxes	$249,000	6,662
Income before extraordinary items	$560,000	6,843
Extraordinary gains, net	$0	65
Net income	$560,000	6,842
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$90,000	3,985
Cash dividends	$154,000	6,005
Sale, conversion, retirement of capital stock, net	$0	809
Net operating income	$560,000	6,824
1994-12-31 (YTD Data)		Rank
Total interest income	$3,502,000	7,319
Total interest expense	$1,285,000	7,602
Net interest income	$2,217,000	7,052
Provision for loan and lease losses	$90,000	4,765
Total noninterest income	$313,000	7,082
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$230,000	5,352
Trading account gains and fees	NA	NA
Additional Noninterest Income	$83,000	8,126
Total noninterest expense	$1,630,000	7,202
Salaries and employee benefits	$774,000	7,354
Premises and equipment expense	$242,000	6,652
Additional noninterest expense	$614,000	6,931
Pre-tax net operating income	$810,000	6,825
Securities gains (losses)	$0	3,600
Applicable income taxes	$232,000	6,800
Income before extraordinary items	$578,000	6,703
Extraordinary gains, net	$0	249
Net income	$578,000	6,717
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$137,000	3,137
Cash dividends	$140,000	6,251
Sale, conversion, retirement of capital stock, net	$0	1,160
Net operating income	$578,000	6,764
1993-12-31 (YTD Data)		Rank
Total interest income	$3,594,000	7,400
Total interest expense	$1,449,000	7,378
Net interest income	$2,145,000	7,313
Provision for loan and lease losses	$160,000	4,468
Total noninterest income	$302,000	7,644
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$224,000	5,526
Trading account gains and fees	NA	NA
Additional Noninterest Income	$78,000	8,723
Total noninterest expense	$1,814,000	6,839
Salaries and employee benefits	$735,000	7,747
Premises and equipment expense	$225,000	7,185
Additional noninterest expense	$854,000	5,602
Pre-tax net operating income	$473,000	8,836
Securities gains (losses)	$0	7,477
Applicable income taxes	$131,000	9,063
Income before extraordinary items	$342,000	9,015
Extraordinary gains, net	$17,000	2,772
Net income	$359,000	9,015
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$202,000	3,123
Cash dividends	$84,000	7,236
Sale, conversion, retirement of capital stock, net	$0	1,223
Net operating income	$342,000	8,754
1992-12-31 (YTD Data)		Rank
Total interest income	$3,814,000	7,752
Total interest expense	$1,734,000	7,807
Net interest income	$2,080,000	7,543
Provision for loan and lease losses	$379,000	3,579
Total noninterest income	$315,000	7,522
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$222,000	5,583
Trading account gains and fees	NA	NA
Additional Noninterest Income	$93,000	8,327
Total noninterest expense	$1,601,000	7,577
Salaries and employee benefits	$746,000	7,642
Premises and equipment expense	$208,000	7,656
Additional noninterest expense	$647,000	7,125
Pre-tax net operating income	$415,000	9,112
Securities gains (losses)	$0	8,369
Applicable income taxes	$98,000	9,973
Income before extraordinary items	$317,000	9,076
Extraordinary gains, net	$0	1,422
Net income	$317,000	9,223
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$207,000	4,125
Cash dividends	$72,000	7,205
Sale, conversion, retirement of capital stock, net	$0	1,165
Net operating income	$317,000	8,711

* 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.