Home > Cavalry Banking > Income and Expense
Cavalry Banking, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $34,080,000 | 964 |
| Total interest expense | $9,243,000 | 1,226 |
| Net interest income | $24,837,000 | 863 |
| Provision for loan and lease losses | $728,000 | 1,370 |
| Total noninterest income | $12,015,000 | 546 |
| Gross Fiduciary activities income | $1,193,000 | 363 |
| Service charges on deposit accounts | $5,463,000 | 312 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $5,359,000 | 648 |
| Total noninterest expense | $24,874,000 | 685 |
| Salaries and employee benefits | $14,801,000 | 614 |
| Premises and equipment expense | $4,317,000 | 565 |
| Additional noninterest expense | $5,756,000 | 897 |
| Pre-tax net operating income | $11,250,000 | 881 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $4,226,000 | 745 |
| Income before extraordinary items | $7,024,000 | 1,035 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,024,000 | 1,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,579 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,024,000 | 1,012 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $24,334,000 | 989 |
| Total interest expense | $6,432,000 | 1,244 |
| Net interest income | $17,902,000 | 891 |
| Provision for loan and lease losses | $211,000 | 2,865 |
| Total noninterest income | $8,933,000 | 550 |
| Gross Fiduciary activities income | $819,000 | 368 |
| Service charges on deposit accounts | $4,064,000 | 309 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $4,050,000 | 643 |
| Total noninterest expense | $16,945,000 | 747 |
| Salaries and employee benefits | $9,999,000 | 671 |
| Premises and equipment expense | $2,951,000 | 615 |
| Additional noninterest expense | $3,995,000 | 962 |
| Pre-tax net operating income | $9,679,000 | 765 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $3,770,000 | 648 |
| Income before extraordinary items | $5,909,000 | 913 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,909,000 | 915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 2,320 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,909,000 | 897 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $15,396,000 | 1,010 |
| Total interest expense | $3,956,000 | 1,271 |
| Net interest income | $11,440,000 | 913 |
| Provision for loan and lease losses | $111,000 | 3,210 |
| Total noninterest income | $5,906,000 | 553 |
| Gross Fiduciary activities income | $561,000 | 369 |
| Service charges on deposit accounts | $2,645,000 | 306 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $2,700,000 | 641 |
| Total noninterest expense | $11,200,000 | 749 |
| Salaries and employee benefits | $6,599,000 | 672 |
| Premises and equipment expense | $1,945,000 | 613 |
| Additional noninterest expense | $2,656,000 | 956 |
| Pre-tax net operating income | $6,035,000 | 793 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,294,000 | 683 |
| Income before extraordinary items | $3,741,000 | 933 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,741,000 | 934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 2,311 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,741,000 | 912 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,459,000 | 1,021 |
| Total interest expense | $1,834,000 | 1,299 |
| Net interest income | $5,625,000 | 920 |
| Provision for loan and lease losses | $61,000 | 2,818 |
| Total noninterest income | $2,911,000 | 545 |
| Gross Fiduciary activities income | $252,000 | 391 |
| Service charges on deposit accounts | $1,262,000 | 308 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $1,397,000 | 619 |
| Total noninterest expense | $5,490,000 | 761 |
| Salaries and employee benefits | $3,291,000 | 669 |
| Premises and equipment expense | $944,000 | 631 |
| Additional noninterest expense | $1,255,000 | 989 |
| Pre-tax net operating income | $2,985,000 | 793 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $1,133,000 | 691 |
| Income before extraordinary items | $1,852,000 | 943 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,852,000 | 943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 2,763 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,852,000 | 921 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,641,000 | 1,061 |
| Total interest expense | $5,542,000 | 1,483 |
| Net interest income | $21,099,000 | 936 |
| Provision for loan and lease losses | $875,000 | 1,187 |
| Total noninterest income | $12,611,000 | 524 |
| Gross Fiduciary activities income | $1,097,000 | 357 |
| Service charges on deposit accounts | $5,076,000 | 342 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $6,438,000 | 549 |
| Total noninterest expense | $29,824,000 | 568 |
| Salaries and employee benefits | $20,131,000 | 448 |
| Premises and equipment expense | $4,037,000 | 561 |
| Additional noninterest expense | $5,656,000 | 885 |
| Pre-tax net operating income | $3,011,000 | 2,585 |
| Securities gains (losses) | $-1,000 | 7,794 |
| Applicable income taxes | $2,556,000 | 1,028 |
| Income before extraordinary items | $454,000 | 6,531 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $454,000 | 6,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $537,000 | 1,268 |
| Cash dividends | $4,022,000 | 751 |
| Sale, conversion, retirement of capital stock, net | $4,028,000 | 257 |
| Net operating income | $454,640 | 6,468 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,447,000 | 1,077 |
| Total interest expense | $3,943,000 | 1,534 |
| Net interest income | $15,504,000 | 953 |
| Provision for loan and lease losses | $352,000 | 1,994 |
| Total noninterest income | $9,679,000 | 522 |
| Gross Fiduciary activities income | $832,000 | 360 |
| Service charges on deposit accounts | $3,778,000 | 346 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $5,069,000 | 538 |
| Total noninterest expense | $18,671,000 | 657 |
| Salaries and employee benefits | $11,646,000 | 555 |
| Premises and equipment expense | $2,924,000 | 585 |
| Additional noninterest expense | $4,101,000 | 905 |
| Pre-tax net operating income | $6,160,000 | 1,076 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $2,491,000 | 856 |
| Income before extraordinary items | $3,665,000 | 1,343 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $3,665,000 | 1,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,270 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $817,000 | 325 |
| Net operating income | $3,667,560 | 1,298 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $12,570,000 | 1,100 |
| Total interest expense | $2,553,000 | 1,555 |
| Net interest income | $10,017,000 | 973 |
| Provision for loan and lease losses | $176,000 | 2,457 |
| Total noninterest income | $6,230,000 | 532 |
| Gross Fiduciary activities income | $566,000 | 360 |
| Service charges on deposit accounts | $2,394,000 | 360 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,270,000 | 556 |
| Total noninterest expense | $12,475,000 | 656 |
| Salaries and employee benefits | $7,817,000 | 555 |
| Premises and equipment expense | $1,944,000 | 591 |
| Additional noninterest expense | $2,714,000 | 918 |
| Pre-tax net operating income | $3,596,000 | 1,192 |
| Securities gains (losses) | $78,000 | 1,181 |
| Applicable income taxes | $1,490,000 | 919 |
| Income before extraordinary items | $2,184,000 | 1,473 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,184,000 | 1,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 2,149 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $551,000 | 251 |
| Net operating income | $2,134,080 | 1,454 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,103,000 | 1,142 |
| Total interest expense | $1,289,000 | 1,550 |
| Net interest income | $4,814,000 | 1,019 |
| Provision for loan and lease losses | $101,000 | 2,097 |
| Total noninterest income | $3,052,000 | 534 |
| Gross Fiduciary activities income | $292,000 | 358 |
| Service charges on deposit accounts | $1,152,000 | 368 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,608,000 | 566 |
| Total noninterest expense | $6,084,000 | 671 |
| Salaries and employee benefits | $3,820,000 | 579 |
| Premises and equipment expense | $973,000 | 599 |
| Additional noninterest expense | $1,291,000 | 961 |
| Pre-tax net operating income | $1,681,000 | 1,259 |
| Securities gains (losses) | $66,000 | 1,037 |
| Applicable income taxes | $730,000 | 955 |
| Income before extraordinary items | $1,017,000 | 1,573 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,017,000 | 1,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 1,954 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $290,000 | 187 |
| Net operating income | $974,760 | 1,538 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,093,000 | 1,236 |
| Total interest expense | $5,602,000 | 1,609 |
| Net interest income | $17,491,000 | 1,105 |
| Provision for loan and lease losses | $101,000 | 5,298 |
| Total noninterest income | $14,533,000 | 506 |
| Gross Fiduciary activities income | $988,000 | 388 |
| Service charges on deposit accounts | $4,582,000 | 376 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $8,963,000 | 489 |
| Total noninterest expense | $24,524,000 | 676 |
| Salaries and employee benefits | $16,068,000 | 540 |
| Premises and equipment expense | $3,801,000 | 598 |
| Additional noninterest expense | $4,655,000 | 1,092 |
| Pre-tax net operating income | $7,399,000 | 1,128 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $2,953,000 | 938 |
| Income before extraordinary items | $4,475,000 | 1,410 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $4,475,000 | 1,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,623 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,136,000 | 403 |
| Net operating income | $4,456,440 | 1,354 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,138,000 | 1,275 |
| Total interest expense | $4,282,000 | 1,645 |
| Net interest income | $12,856,000 | 1,142 |
| Provision for loan and lease losses | $101,000 | 4,636 |
| Total noninterest income | $11,597,000 | 505 |
| Gross Fiduciary activities income | $740,000 | 395 |
| Service charges on deposit accounts | $3,443,000 | 385 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $7,414,000 | 480 |
| Total noninterest expense | $18,291,000 | 694 |
| Salaries and employee benefits | $11,947,000 | 557 |
| Premises and equipment expense | $2,801,000 | 622 |
| Additional noninterest expense | $3,543,000 | 1,090 |
| Pre-tax net operating income | $6,061,000 | 1,070 |
| Securities gains (losses) | $11,000 | 3,280 |
| Applicable income taxes | $2,363,000 | 931 |
| Income before extraordinary items | $3,709,000 | 1,340 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $3,709,000 | 1,340 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,273 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $819,000 | 331 |
| Net operating income | $3,701,960 | 1,268 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,385,000 | 1,286 |
| Total interest expense | $2,959,000 | 1,642 |
| Net interest income | $8,426,000 | 1,164 |
| Provision for loan and lease losses | $101,000 | 3,832 |
| Total noninterest income | $7,555,000 | 502 |
| Gross Fiduciary activities income | $494,000 | 398 |
| Service charges on deposit accounts | $2,238,000 | 385 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $4,823,000 | 485 |
| Total noninterest expense | $11,926,000 | 700 |
| Salaries and employee benefits | $7,800,000 | 565 |
| Premises and equipment expense | $1,804,000 | 640 |
| Additional noninterest expense | $2,322,000 | 1,095 |
| Pre-tax net operating income | $3,954,000 | 1,091 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $1,531,000 | 975 |
| Income before extraordinary items | $2,434,000 | 1,357 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,434,000 | 1,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,035 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $522,000 | 258 |
| Net operating income | $2,426,960 | 1,269 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,638,000 | 1,298 |
| Total interest expense | $1,540,000 | 1,604 |
| Net interest income | $4,098,000 | 1,195 |
| Provision for loan and lease losses | $56,000 | 3,519 |
| Total noninterest income | $3,559,000 | 526 |
| Gross Fiduciary activities income | $245,000 | 404 |
| Service charges on deposit accounts | $1,052,000 | 396 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,262,000 | 502 |
| Total noninterest expense | $5,731,000 | 719 |
| Salaries and employee benefits | $3,768,000 | 587 |
| Premises and equipment expense | $871,000 | 671 |
| Additional noninterest expense | $1,092,000 | 1,133 |
| Pre-tax net operating income | $1,870,000 | 1,157 |
| Securities gains (losses) | $11,000 | 2,147 |
| Applicable income taxes | $722,000 | 1,037 |
| Income before extraordinary items | $1,159,000 | 1,412 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,159,000 | 1,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 1,724 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $239,000 | 179 |
| Net operating income | $1,151,960 | 1,327 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $23,876,000 | 1,286 |
| Total interest expense | $7,176,000 | 1,584 |
| Net interest income | $16,700,000 | 1,165 |
| Provision for loan and lease losses | $497,000 | 2,393 |
| Total noninterest income | $11,591,000 | 574 |
| Gross Fiduciary activities income | $1,086,000 | 390 |
| Service charges on deposit accounts | $3,807,000 | 424 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $6,698,000 | 567 |
| Total noninterest expense | $20,940,000 | 761 |
| Salaries and employee benefits | $13,199,000 | 615 |
| Premises and equipment expense | $3,232,000 | 683 |
| Additional noninterest expense | $4,509,000 | 1,099 |
| Pre-tax net operating income | $6,854,000 | 1,230 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $2,836,000 | 971 |
| Income before extraordinary items | $4,022,000 | 1,522 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $4,022,000 | 1,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,245 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $792,000 | 413 |
| Net operating income | $4,019,440 | 1,477 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $28,424,000 | 1,201 |
| Total interest expense | $12,615,000 | 1,292 |
| Net interest income | $15,809,000 | 1,122 |
| Provision for loan and lease losses | $661,000 | 1,751 |
| Total noninterest income | $6,019,000 | 858 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $6,019,000 | 574 |
| Total noninterest expense | $19,455,000 | 773 |
| Salaries and employee benefits | $13,136,000 | 596 |
| Premises and equipment expense | $3,858,000 | 575 |
| Additional noninterest expense | $2,461,000 | 1,858 |
| Pre-tax net operating income | $1,712,000 | 3,536 |
| Securities gains (losses) | $2,536,000 | 213 |
| Applicable income taxes | $2,411,000 | 1,005 |
| Income before extraordinary items | $1,837,000 | 2,733 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,837,000 | 2,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,751 |
| Cash dividends | $11,600,000 | 334 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $213,960 | 7,510 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $29,676,000 | 1,186 |
| Total interest expense | $13,029,000 | 1,335 |
| Net interest income | $16,647,000 | 1,058 |
| Provision for loan and lease losses | $306,000 | 2,785 |
| Total noninterest income | $4,441,000 | 1,009 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $4,441,000 | 682 |
| Total noninterest expense | $15,335,000 | 921 |
| Salaries and employee benefits | $10,094,000 | 699 |
| Premises and equipment expense | $3,201,000 | 662 |
| Additional noninterest expense | $2,040,000 | 2,113 |
| Pre-tax net operating income | $5,447,000 | 1,360 |
| Securities gains (losses) | $1,548,000 | 119 |
| Applicable income taxes | $2,982,000 | 829 |
| Income before extraordinary items | $4,013,000 | 1,310 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,013,000 | 1,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $202,000 | 2,388 |
| Cash dividends | $43,250,000 | 151 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,022,280 | 1,736 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $27,563,000 | 1,183 |
| Total interest expense | $9,954,000 | 1,499 |
| Net interest income | $17,609,000 | 1,001 |
| Provision for loan and lease losses | $991,000 | 993 |
| Total noninterest income | $3,682,000 | 1,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $3,682,000 | 783 |
| Total noninterest expense | $17,113,000 | 851 |
| Salaries and employee benefits | $11,518,000 | 624 |
| Premises and equipment expense | $3,444,000 | 630 |
| Additional noninterest expense | $2,151,000 | 2,030 |
| Pre-tax net operating income | $3,187,000 | 2,278 |
| Securities gains (losses) | $2,245,000 | 129 |
| Applicable income taxes | $2,404,000 | 1,049 |
| Income before extraordinary items | $3,028,000 | 1,754 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,028,000 | 1,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,024 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,591,200 | 3,069 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $25,860,000 | 1,251 |
| Total interest expense | $9,571,000 | 1,605 |
| Net interest income | $16,289,000 | 1,038 |
| Provision for loan and lease losses | $452,000 | 1,861 |
| Total noninterest income | $3,175,000 | 1,297 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $3,175,000 | 871 |
| Total noninterest expense | $13,419,000 | 995 |
| Salaries and employee benefits | $8,172,000 | 810 |
| Premises and equipment expense | $3,360,000 | 639 |
| Additional noninterest expense | $1,887,000 | 2,224 |
| Pre-tax net operating income | $5,593,000 | 1,342 |
| Securities gains (losses) | $2,266,000 | 215 |
| Applicable income taxes | $2,948,000 | 891 |
| Income before extraordinary items | $4,911,000 | 1,098 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $4,911,000 | 1,098 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,598 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $36,951,000 | 25 |
| Net operating income | $3,460,760 | 1,458 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $22,246,000 | 1,479 |
| Total interest expense | $9,260,000 | 1,679 |
| Net interest income | $12,986,000 | 1,342 |
| Provision for loan and lease losses | $700,000 | 1,328 |
| Total noninterest income | $2,614,000 | 1,432 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,614,000 | 925 |
| Total noninterest expense | $10,491,000 | 1,267 |
| Salaries and employee benefits | $6,038,000 | 1,088 |
| Premises and equipment expense | $3,543,000 | 592 |
| Additional noninterest expense | $910,000 | 4,262 |
| Pre-tax net operating income | $4,409,000 | 1,734 |
| Securities gains (losses) | $1,126,000 | 259 |
| Applicable income taxes | $2,333,000 | 1,162 |
| Income before extraordinary items | $3,202,000 | 1,679 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,202,000 | 1,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 6,448 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,481,360 | 2,071 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,929,000 | 1,687 |
| Total interest expense | $8,247,000 | 1,901 |
| Net interest income | $11,682,000 | 1,526 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $2,306,000 | 1,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $2,306,000 | 1,049 |
| Total noninterest expense | $10,166,000 | 1,411 |
| Salaries and employee benefits | $5,111,000 | 1,314 |
| Premises and equipment expense | $2,764,000 | 789 |
| Additional noninterest expense | $2,291,000 | 2,184 |
| Pre-tax net operating income | $3,702,000 | 1,960 |
| Securities gains (losses) | $930,000 | 266 |
| Applicable income taxes | $1,819,000 | 1,340 |
| Income before extraordinary items | $2,813,000 | 1,754 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,813,000 | 1,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,914 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,217,800 | 2,171 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,520,000 | 1,932 |
| Total interest expense | $7,674,000 | 2,041 |
| Net interest income | $9,846,000 | 1,816 |
| Provision for loan and lease losses | $80,000 | 5,097 |
| Total noninterest income | $2,297,000 | 1,640 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $2,297,000 | 1,038 |
| Total noninterest expense | $7,823,000 | 1,787 |
| Salaries and employee benefits | $4,285,000 | 1,553 |
| Premises and equipment expense | $2,555,000 | 865 |
| Additional noninterest expense | $983,000 | 4,415 |
| Pre-tax net operating income | $4,240,000 | 1,736 |
| Securities gains (losses) | $732,000 | 276 |
| Applicable income taxes | $1,772,000 | 1,415 |
| Income before extraordinary items | $3,200,000 | 1,596 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,200,000 | 1,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-146,000 | 11,809 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,731,520 | 1,824 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,737,000 | 1,958 |
| Total interest expense | $6,278,000 | 1,993 |
| Net interest income | $9,459,000 | 1,912 |
| Provision for loan and lease losses | $113,000 | 4,290 |
| Total noninterest income | $1,816,000 | 1,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,816,000 | 1,204 |
| Total noninterest expense | $7,378,000 | 1,941 |
| Salaries and employee benefits | $4,196,000 | 1,589 |
| Premises and equipment expense | $2,222,000 | 961 |
| Additional noninterest expense | $960,000 | 4,879 |
| Pre-tax net operating income | $3,784,000 | 1,881 |
| Securities gains (losses) | $263,000 | 418 |
| Applicable income taxes | $1,589,000 | 1,476 |
| Income before extraordinary items | $2,458,000 | 1,992 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,458,000 | 1,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 6,150 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,289,680 | 2,152 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,907,000 | 1,973 |
| Total interest expense | $6,284,000 | 2,062 |
| Net interest income | $9,623,000 | 1,875 |
| Provision for loan and lease losses | $690,000 | 1,682 |
| Total noninterest income | $2,164,000 | 1,862 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,164,000 | 1,189 |
| Total noninterest expense | $7,547,000 | 1,955 |
| Salaries and employee benefits | $4,188,000 | 1,609 |
| Premises and equipment expense | $2,390,000 | 928 |
| Additional noninterest expense | $969,000 | 5,050 |
| Pre-tax net operating income | $3,550,000 | 1,920 |
| Securities gains (losses) | $1,030,000 | 535 |
| Applicable income taxes | $1,957,000 | 1,228 |
| Income before extraordinary items | $2,623,000 | 1,907 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $2,623,000 | 1,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 6,513 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,963,800 | 2,419 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $16,700,000 | 2,121 |
| Total interest expense | $8,093,000 | 2,099 |
| Net interest income | $8,607,000 | 2,117 |
| Provision for loan and lease losses | $366,000 | 3,645 |
| Total noninterest income | $1,709,000 | 2,163 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,709,000 | 1,391 |
| Total noninterest expense | $6,785,000 | 2,171 |
| Salaries and employee benefits | $3,754,000 | 1,775 |
| Premises and equipment expense | $2,099,000 | 1,070 |
| Additional noninterest expense | $932,000 | 5,362 |
| Pre-tax net operating income | $3,165,000 | 1,966 |
| Securities gains (losses) | $731,000 | 821 |
| Applicable income taxes | $1,656,000 | 1,341 |
| Income before extraordinary items | $2,240,000 | 2,052 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,240,000 | 2,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 13,353 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,772,160 | 2,402 |
* 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.