Home > Citizens Bank > Income and Expense
Citizens Bank, Income and Expense
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,244,000 | 2,522 |
| Total interest expense | $1,660,000 | 1,588 |
| Net interest income | $5,584,000 | 2,788 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $3,154,000 | 1,305 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $971,000 | 1,067 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,183,000 | 1,199 |
| Total noninterest expense | $7,529,000 | 1,895 |
| Salaries and employee benefits | $4,374,000 | 1,765 |
| Premises and equipment expense | $1,138,000 | 1,567 |
| Additional noninterest expense | $2,017,000 | 2,287 |
| Pre-tax net operating income | $1,209,000 | 3,350 |
| Securities gains (losses) | $619,000 | 340 |
| Applicable income taxes | $11,000 | 4,292 |
| Income before extraordinary items | $1,817,000 | 2,304 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $1,817,000 | 2,309 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,817,000 | 2,309 |
| Net charge-offs | $50,000 | 3,855 |
| Cash dividends | $2,161,000 | 826 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,204,190 | 3,004 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,924,000 | 2,468 |
| Total interest expense | $1,125,000 | 1,592 |
| Net interest income | $3,799,000 | 2,726 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $1,651,000 | 1,544 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $621,000 | 1,086 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,030,000 | 1,549 |
| Total noninterest expense | $5,092,000 | 1,874 |
| Salaries and employee benefits | $3,011,000 | 1,716 |
| Premises and equipment expense | $761,000 | 1,572 |
| Additional noninterest expense | $1,320,000 | 2,320 |
| Pre-tax net operating income | $358,000 | 4,641 |
| Securities gains (losses) | $107,000 | 1,068 |
| Applicable income taxes | $18,000 | 3,986 |
| Income before extraordinary items | $447,000 | 4,127 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $447,000 | 4,130 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $447,000 | 4,130 |
| Net charge-offs | $46,000 | 3,420 |
| Cash dividends | $961,000 | 1,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $344,280 | 4,452 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,507,000 | 2,445 |
| Total interest expense | $572,000 | 1,607 |
| Net interest income | $1,935,000 | 2,685 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $1,131,000 | 1,237 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $317,000 | 1,055 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $814,000 | 1,138 |
| Total noninterest expense | $2,508,000 | 1,910 |
| Salaries and employee benefits | $1,445,000 | 1,805 |
| Premises and equipment expense | $381,000 | 1,596 |
| Additional noninterest expense | $682,000 | 2,281 |
| Pre-tax net operating income | $558,000 | 2,678 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $24,000 | 3,495 |
| Income before extraordinary items | $534,000 | 2,466 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $534,000 | 2,468 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $534,000 | 2,468 |
| Net charge-offs | $-1,000 | 5,189 |
| Cash dividends | $701,000 | 729 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $534,000 | 2,374 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $11,143,000 | 2,333 |
| Total interest expense | $2,812,000 | 1,578 |
| Net interest income | $8,331,000 | 2,576 |
| Provision for loan and lease losses | $600,000 | 2,443 |
| Total noninterest income | $5,116,000 | 1,139 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $1,281,000 | 1,115 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $3,835,000 | 995 |
| Total noninterest expense | $10,605,000 | 1,812 |
| Salaries and employee benefits | $5,327,000 | 1,894 |
| Premises and equipment expense | $1,429,000 | 1,644 |
| Additional noninterest expense | $3,849,000 | 1,727 |
| Pre-tax net operating income | $2,242,000 | 2,611 |
| Securities gains (losses) | $924,000 | 576 |
| Applicable income taxes | $100,000 | 3,509 |
| Income before extraordinary items | $3,066,000 | 1,826 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,066,000 | 1,825 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $3,066,000 | 1,826 |
| Net charge-offs | $755,000 | 2,129 |
| Cash dividends | $1,051,000 | 1,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $2,169,720 | 2,311 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,828,000 | 2,265 |
| Total interest expense | $2,204,000 | 1,579 |
| Net interest income | $6,624,000 | 2,470 |
| Provision for loan and lease losses | $600,000 | 2,031 |
| Total noninterest income | $3,534,000 | 1,186 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $926,000 | 1,153 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $2,608,000 | 1,046 |
| Total noninterest expense | $8,157,000 | 1,764 |
| Salaries and employee benefits | $3,916,000 | 1,927 |
| Premises and equipment expense | $1,055,000 | 1,686 |
| Additional noninterest expense | $3,186,000 | 1,569 |
| Pre-tax net operating income | $1,401,000 | 3,027 |
| Securities gains (losses) | $924,000 | 437 |
| Applicable income taxes | $73,000 | 3,575 |
| Income before extraordinary items | $2,252,000 | 1,893 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $2,252,000 | 1,892 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $2,252,000 | 1,894 |
| Net charge-offs | $521,000 | 2,127 |
| Cash dividends | $450,000 | 2,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,355,720 | 2,691 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,948,000 | 2,253 |
| Total interest expense | $1,513,000 | 1,590 |
| Net interest income | $4,435,000 | 2,460 |
| Provision for loan and lease losses | $600,000 | 1,572 |
| Total noninterest income | $2,333,000 | 1,186 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $546,000 | 1,297 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,787,000 | 1,004 |
| Total noninterest expense | $4,658,000 | 2,059 |
| Salaries and employee benefits | $2,567,000 | 1,958 |
| Premises and equipment expense | $686,000 | 1,718 |
| Additional noninterest expense | $1,405,000 | 2,302 |
| Pre-tax net operating income | $1,510,000 | 2,130 |
| Securities gains (losses) | $81,000 | 1,733 |
| Applicable income taxes | $49,000 | 3,555 |
| Income before extraordinary items | $1,542,000 | 1,841 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,542,000 | 1,839 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $1,542,000 | 1,841 |
| Net charge-offs | $630,000 | 1,559 |
| Cash dividends | $200,000 | 2,506 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $1,463,430 | 1,836 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,048,000 | 2,219 |
| Total interest expense | $786,000 | 1,595 |
| Net interest income | $2,262,000 | 2,420 |
| Provision for loan and lease losses | $200,000 | 1,993 |
| Total noninterest income | $1,114,000 | 1,225 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $251,000 | 1,402 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $863,000 | 1,015 |
| Total noninterest expense | $2,359,000 | 2,033 |
| Salaries and employee benefits | $1,282,000 | 1,961 |
| Premises and equipment expense | $335,000 | 1,764 |
| Additional noninterest expense | $742,000 | 2,174 |
| Pre-tax net operating income | $817,000 | 1,992 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $25,000 | 3,539 |
| Income before extraordinary items | $792,000 | 1,817 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $792,000 | 1,818 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $792,000 | 1,818 |
| Net charge-offs | $316,000 | 1,438 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $792,000 | 1,716 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $13,026,000 | 2,137 |
| Total interest expense | $3,504,000 | 1,705 |
| Net interest income | $9,522,000 | 2,291 |
| Provision for loan and lease losses | $1,495,000 | 1,893 |
| Total noninterest income | $-37,000 | 7,035 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $1,221,000 | 1,205 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-1,258,000 | 7,225 |
| Total noninterest expense | $8,818,000 | 2,167 |
| Salaries and employee benefits | $4,306,000 | 2,249 |
| Premises and equipment expense | $1,431,000 | 1,731 |
| Additional noninterest expense | $3,081,000 | 2,156 |
| Pre-tax net operating income | $-828,000 | 6,531 |
| Securities gains (losses) | $956,000 | 463 |
| Applicable income taxes | $95,000 | 3,407 |
| Income before extraordinary items | $33,000 | 6,070 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $33,000 | 6,072 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $33,000 | 6,072 |
| Net charge-offs | $1,717,000 | 1,706 |
| Cash dividends | $508,000 | 2,407 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $-578,840 | 6,467 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $9,698,000 | 2,187 |
| Total interest expense | $2,681,000 | 1,735 |
| Net interest income | $7,017,000 | 2,343 |
| Provision for loan and lease losses | $1,295,000 | 1,665 |
| Total noninterest income | $1,840,000 | 1,714 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $906,000 | 1,219 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $934,000 | 1,845 |
| Total noninterest expense | $6,756,000 | 2,124 |
| Salaries and employee benefits | $3,312,000 | 2,190 |
| Premises and equipment expense | $1,080,000 | 1,745 |
| Additional noninterest expense | $2,364,000 | 2,118 |
| Pre-tax net operating income | $806,000 | 3,711 |
| Securities gains (losses) | $466,000 | 680 |
| Applicable income taxes | $47,000 | 3,654 |
| Income before extraordinary items | $1,225,000 | 2,686 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,225,000 | 2,688 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $1,225,000 | 2,688 |
| Net charge-offs | $1,322,000 | 1,627 |
| Cash dividends | $260,000 | 2,466 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $777,640 | 3,455 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,463,000 | 2,206 |
| Total interest expense | $1,807,000 | 1,770 |
| Net interest income | $4,656,000 | 2,358 |
| Provision for loan and lease losses | $1,170,000 | 1,370 |
| Total noninterest income | $1,232,000 | 1,704 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $589,000 | 1,228 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $643,000 | 1,797 |
| Total noninterest expense | $4,373,000 | 2,207 |
| Salaries and employee benefits | $2,160,000 | 2,252 |
| Premises and equipment expense | $712,000 | 1,772 |
| Additional noninterest expense | $1,501,000 | 2,239 |
| Pre-tax net operating income | $345,000 | 4,420 |
| Securities gains (losses) | $241,000 | 642 |
| Applicable income taxes | $19,000 | 3,849 |
| Income before extraordinary items | $567,000 | 3,309 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $567,000 | 3,310 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $567,000 | 3,310 |
| Net charge-offs | $1,189,000 | 1,329 |
| Cash dividends | $130,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $333,230 | 4,199 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,293,000 | 2,178 |
| Total interest expense | $920,000 | 1,797 |
| Net interest income | $2,373,000 | 2,297 |
| Provision for loan and lease losses | $740,000 | 1,096 |
| Total noninterest income | $714,000 | 1,551 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $283,000 | 1,259 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $431,000 | 1,490 |
| Total noninterest expense | $2,118,000 | 2,287 |
| Salaries and employee benefits | $1,067,000 | 2,299 |
| Premises and equipment expense | $356,000 | 1,822 |
| Additional noninterest expense | $695,000 | 2,392 |
| Pre-tax net operating income | $229,000 | 3,999 |
| Securities gains (losses) | $206,000 | 335 |
| Applicable income taxes | $13,000 | 3,664 |
| Income before extraordinary items | $422,000 | 2,548 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $422,000 | 2,547 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $422,000 | 2,548 |
| Net charge-offs | $751,000 | 1,029 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $222,180 | 3,745 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $13,501,000 | 2,235 |
| Total interest expense | $4,492,000 | 1,801 |
| Net interest income | $9,009,000 | 2,432 |
| Provision for loan and lease losses | $2,706,000 | 1,729 |
| Total noninterest income | $3,162,000 | 1,487 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,295,000 | 1,161 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,867,000 | 1,467 |
| Total noninterest expense | $8,766,000 | 2,215 |
| Salaries and employee benefits | $4,133,000 | 2,329 |
| Premises and equipment expense | $1,361,000 | 1,881 |
| Additional noninterest expense | $3,272,000 | 2,127 |
| Pre-tax net operating income | $699,000 | 3,913 |
| Securities gains (losses) | $510,000 | 881 |
| Applicable income taxes | $-37,000 | 6,689 |
| Income before extraordinary items | $1,246,000 | 2,842 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,246,000 | 2,840 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,246,000 | 2,844 |
| Net charge-offs | $2,401,000 | 1,674 |
| Cash dividends | $500,000 | 2,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $736,000 | 3,639 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $10,207,000 | 2,264 |
| Total interest expense | $3,461,000 | 1,823 |
| Net interest income | $6,746,000 | 2,458 |
| Provision for loan and lease losses | $1,910,000 | 1,710 |
| Total noninterest income | $2,272,000 | 1,537 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $980,000 | 1,191 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,292,000 | 1,506 |
| Total noninterest expense | $7,039,000 | 2,054 |
| Salaries and employee benefits | $3,091,000 | 2,349 |
| Premises and equipment expense | $1,054,000 | 1,846 |
| Additional noninterest expense | $2,894,000 | 1,828 |
| Pre-tax net operating income | $69,000 | 5,731 |
| Securities gains (losses) | $312,000 | 1,054 |
| Applicable income taxes | $-47,000 | 6,967 |
| Income before extraordinary items | $428,000 | 4,373 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $428,000 | 4,374 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $428,000 | 4,374 |
| Net charge-offs | $1,948,000 | 1,530 |
| Cash dividends | $500,000 | 1,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $116,000 | 5,505 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,865,000 | 2,281 |
| Total interest expense | $2,369,000 | 1,849 |
| Net interest income | $4,496,000 | 2,463 |
| Provision for loan and lease losses | $1,545,000 | 1,488 |
| Total noninterest income | $1,396,000 | 1,594 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $647,000 | 1,212 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $749,000 | 1,602 |
| Total noninterest expense | $4,853,000 | 2,009 |
| Salaries and employee benefits | $2,102,000 | 2,319 |
| Premises and equipment expense | $706,000 | 1,849 |
| Additional noninterest expense | $2,045,000 | 1,723 |
| Pre-tax net operating income | $-506,000 | 6,748 |
| Securities gains (losses) | $131,000 | 1,234 |
| Applicable income taxes | $-38,000 | 7,041 |
| Income before extraordinary items | $-337,000 | 6,731 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-337,000 | 6,733 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-337,000 | 6,732 |
| Net charge-offs | $1,588,000 | 1,323 |
| Cash dividends | $500,000 | 1,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-454,900 | 6,784 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,520,000 | 2,282 |
| Total interest expense | $1,216,000 | 1,883 |
| Net interest income | $2,304,000 | 2,443 |
| Provision for loan and lease losses | $750,000 | 1,389 |
| Total noninterest income | $700,000 | 1,599 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $310,000 | 1,262 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $390,000 | 1,536 |
| Total noninterest expense | $2,358,000 | 2,070 |
| Salaries and employee benefits | $1,098,000 | 2,247 |
| Premises and equipment expense | $369,000 | 1,831 |
| Additional noninterest expense | $891,000 | 1,921 |
| Pre-tax net operating income | $-104,000 | 6,659 |
| Securities gains (losses) | $60,000 | 1,053 |
| Applicable income taxes | $-17,000 | 7,162 |
| Income before extraordinary items | $-27,000 | 6,528 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-27,000 | 6,530 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-27,000 | 6,529 |
| Net charge-offs | $232,000 | 2,276 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-65,400 | 6,594 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,810,000 | 2,139 |
| Total interest expense | $5,842,000 | 1,962 |
| Net interest income | $9,968,000 | 2,198 |
| Provision for loan and lease losses | $1,834,000 | 2,600 |
| Total noninterest income | $3,556,000 | 1,427 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,528,000 | 1,126 |
| Trading account gains and fees | $2,000 | 204 |
| Additional Noninterest Income | $2,026,000 | 1,357 |
| Total noninterest expense | $9,191,000 | 2,166 |
| Salaries and employee benefits | $4,672,000 | 2,103 |
| Premises and equipment expense | $1,461,000 | 1,850 |
| Additional noninterest expense | $3,058,000 | 2,310 |
| Pre-tax net operating income | $2,499,000 | 1,579 |
| Securities gains (losses) | $155,000 | 1,766 |
| Applicable income taxes | $70,000 | 3,081 |
| Income before extraordinary items | $2,584,000 | 1,302 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,584,000 | 1,300 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $2,584,000 | 1,301 |
| Net charge-offs | $654,000 | 3,446 |
| Cash dividends | $1,165,000 | 1,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $2,433,650 | 1,344 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,948,000 | 2,162 |
| Total interest expense | $4,439,000 | 2,031 |
| Net interest income | $7,509,000 | 2,188 |
| Provision for loan and lease losses | $1,623,000 | 2,126 |
| Total noninterest income | $2,633,000 | 1,460 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,127,000 | 1,147 |
| Trading account gains and fees | $2,000 | 205 |
| Additional Noninterest Income | $1,504,000 | 1,394 |
| Total noninterest expense | $6,976,000 | 2,142 |
| Salaries and employee benefits | $3,545,000 | 2,093 |
| Premises and equipment expense | $1,081,000 | 1,880 |
| Additional noninterest expense | $2,350,000 | 2,223 |
| Pre-tax net operating income | $1,543,000 | 2,010 |
| Securities gains (losses) | $154,000 | 1,484 |
| Applicable income taxes | $61,000 | 3,207 |
| Income before extraordinary items | $1,636,000 | 1,640 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,636,000 | 1,638 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,636,000 | 1,640 |
| Net charge-offs | $374,000 | 3,424 |
| Cash dividends | $865,000 | 1,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,488,160 | 1,747 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,039,000 | 2,181 |
| Total interest expense | $2,982,000 | 2,100 |
| Net interest income | $5,057,000 | 2,160 |
| Provision for loan and lease losses | $600,000 | 2,697 |
| Total noninterest income | $1,852,000 | 1,423 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $692,000 | 1,230 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,160,000 | 1,293 |
| Total noninterest expense | $4,683,000 | 2,153 |
| Salaries and employee benefits | $2,367,000 | 2,130 |
| Premises and equipment expense | $705,000 | 1,952 |
| Additional noninterest expense | $1,611,000 | 2,189 |
| Pre-tax net operating income | $1,626,000 | 1,405 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $72,000 | 2,886 |
| Income before extraordinary items | $1,554,000 | 1,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,554,000 | 1,209 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $1,554,000 | 1,210 |
| Net charge-offs | $-89,000 | 8,140 |
| Cash dividends | $615,000 | 1,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $1,554,000 | 1,179 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,032,000 | 2,194 |
| Total interest expense | $1,518,000 | 2,143 |
| Net interest income | $2,514,000 | 2,186 |
| Provision for loan and lease losses | $300,000 | 2,285 |
| Total noninterest income | $769,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $310,000 | 1,331 |
| Trading account gains and fees | $1,000 | 165 |
| Additional Noninterest Income | $458,000 | 1,473 |
| Total noninterest expense | $2,261,000 | 2,175 |
| Salaries and employee benefits | $1,194,000 | 2,134 |
| Premises and equipment expense | $347,000 | 2,018 |
| Additional noninterest expense | $720,000 | 2,176 |
| Pre-tax net operating income | $722,000 | 1,755 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $29,000 | 3,309 |
| Income before extraordinary items | $693,000 | 1,564 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $693,000 | 1,566 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $693,000 | 1,566 |
| Net charge-offs | $38,000 | 3,795 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $693,000 | 1,485 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,747,000 | 2,255 |
| Total interest expense | $7,310,000 | 2,120 |
| Net interest income | $9,437,000 | 2,324 |
| Provision for loan and lease losses | $1,799,000 | 1,929 |
| Total noninterest income | $2,927,000 | 1,606 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,444,000 | 1,248 |
| Trading account gains and fees | $-6,000 | 8,181 |
| Additional Noninterest Income | $1,489,000 | 1,610 |
| Total noninterest expense | $8,707,000 | 2,192 |
| Salaries and employee benefits | $4,471,000 | 2,273 |
| Premises and equipment expense | $1,428,000 | 1,916 |
| Additional noninterest expense | $2,808,000 | 2,126 |
| Pre-tax net operating income | $1,858,000 | 2,600 |
| Securities gains (losses) | $160,000 | 833 |
| Applicable income taxes | $75,000 | 3,602 |
| Income before extraordinary items | $1,943,000 | 2,044 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,943,000 | 2,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,152,000 | 1,236 |
| Cash dividends | $1,745,000 | 1,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,789,400 | 2,328 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,641,000 | 2,295 |
| Total interest expense | $5,679,000 | 2,141 |
| Net interest income | $6,962,000 | 2,373 |
| Provision for loan and lease losses | $330,000 | 3,386 |
| Total noninterest income | $2,363,000 | 1,560 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,062,000 | 1,278 |
| Trading account gains and fees | $-5,000 | 8,265 |
| Additional Noninterest Income | $1,306,000 | 1,497 |
| Total noninterest expense | $6,530,000 | 2,195 |
| Salaries and employee benefits | $3,445,000 | 2,236 |
| Premises and equipment expense | $1,039,000 | 1,965 |
| Additional noninterest expense | $2,046,000 | 2,123 |
| Pre-tax net operating income | $2,465,000 | 1,954 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $99,000 | 3,600 |
| Income before extraordinary items | $2,366,000 | 1,533 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,366,000 | 1,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $533,000 | 1,897 |
| Cash dividends | $1,285,000 | 1,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,366,000 | 1,619 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,333,000 | 2,346 |
| Total interest expense | $3,882,000 | 2,166 |
| Net interest income | $4,451,000 | 2,455 |
| Provision for loan and lease losses | $220,000 | 3,001 |
| Total noninterest income | $1,586,000 | 1,581 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $681,000 | 1,304 |
| Trading account gains and fees | $-3,000 | 8,340 |
| Additional Noninterest Income | $908,000 | 1,501 |
| Total noninterest expense | $4,211,000 | 2,261 |
| Salaries and employee benefits | $2,279,000 | 2,276 |
| Premises and equipment expense | $681,000 | 1,991 |
| Additional noninterest expense | $1,251,000 | 2,257 |
| Pre-tax net operating income | $1,606,000 | 2,058 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $62,000 | 3,878 |
| Income before extraordinary items | $1,544,000 | 1,752 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,544,000 | 1,753 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $463,000 | 1,379 |
| Cash dividends | $835,000 | 1,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,544,000 | 1,721 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,245,000 | 2,367 |
| Total interest expense | $1,976,000 | 2,257 |
| Net interest income | $2,269,000 | 2,415 |
| Provision for loan and lease losses | $110,000 | 2,589 |
| Total noninterest income | $535,000 | 2,137 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $325,000 | 1,343 |
| Trading account gains and fees | $2,000 | 149 |
| Additional Noninterest Income | $208,000 | 2,511 |
| Total noninterest expense | $2,080,000 | 2,290 |
| Salaries and employee benefits | $1,165,000 | 2,256 |
| Premises and equipment expense | $323,000 | 2,101 |
| Additional noninterest expense | $592,000 | 2,339 |
| Pre-tax net operating income | $614,000 | 2,655 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $26,000 | 4,162 |
| Income before extraordinary items | $588,000 | 2,348 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $588,000 | 2,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $461,000 | 750 |
| Cash dividends | $350,000 | 1,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $588,000 | 2,281 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,852,000 | 2,438 |
| Total interest expense | $8,035,000 | 2,309 |
| Net interest income | $8,817,000 | 2,504 |
| Provision for loan and lease losses | $431,000 | 2,575 |
| Total noninterest income | $2,749,000 | 1,749 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,385,000 | 1,287 |
| Trading account gains and fees | $-103,000 | 8,477 |
| Additional Noninterest Income | $1,467,000 | 1,694 |
| Total noninterest expense | $8,475,000 | 2,167 |
| Salaries and employee benefits | $4,313,000 | 2,336 |
| Premises and equipment expense | $1,430,000 | 1,839 |
| Additional noninterest expense | $2,732,000 | 2,016 |
| Pre-tax net operating income | $2,660,000 | 2,692 |
| Securities gains (losses) | $85,000 | 654 |
| Applicable income taxes | $78,000 | 4,649 |
| Income before extraordinary items | $2,667,000 | 2,233 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,667,000 | 2,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $447,000 | 1,819 |
| Cash dividends | $1,100,000 | 2,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,584,550 | 2,274 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,497,000 | 2,457 |
| Total interest expense | $5,924,000 | 2,334 |
| Net interest income | $6,573,000 | 2,531 |
| Provision for loan and lease losses | $278,000 | 2,417 |
| Total noninterest income | $2,089,000 | 1,730 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,025,000 | 1,288 |
| Trading account gains and fees | $-41,000 | 8,507 |
| Additional Noninterest Income | $1,105,000 | 1,696 |
| Total noninterest expense | $6,308,000 | 2,155 |
| Salaries and employee benefits | $3,262,000 | 2,302 |
| Premises and equipment expense | $1,077,000 | 1,821 |
| Additional noninterest expense | $1,969,000 | 2,044 |
| Pre-tax net operating income | $2,076,000 | 2,764 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $101,000 | 4,429 |
| Income before extraordinary items | $1,975,000 | 2,398 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,975,000 | 2,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $426,000 | 1,214 |
| Cash dividends | $650,000 | 2,569 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,975,000 | 2,377 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,181,000 | 2,518 |
| Total interest expense | $3,889,000 | 2,385 |
| Net interest income | $4,292,000 | 2,606 |
| Provision for loan and lease losses | $126,000 | 2,895 |
| Total noninterest income | $1,351,000 | 1,801 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $660,000 | 1,336 |
| Trading account gains and fees | $-50,000 | 8,570 |
| Additional Noninterest Income | $741,000 | 1,695 |
| Total noninterest expense | $4,180,000 | 2,202 |
| Salaries and employee benefits | $2,197,000 | 2,316 |
| Premises and equipment expense | $704,000 | 1,866 |
| Additional noninterest expense | $1,279,000 | 2,097 |
| Pre-tax net operating income | $1,337,000 | 2,898 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $75,000 | 4,410 |
| Income before extraordinary items | $1,262,000 | 2,533 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,262,000 | 2,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $429,000 | 796 |
| Cash dividends | $650,000 | 2,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,262,000 | 2,517 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 2,522 |
| Total interest expense | $1,918,000 | 2,401 |
| Net interest income | $2,154,000 | 2,589 |
| Provision for loan and lease losses | $63,000 | 2,711 |
| Total noninterest income | $653,000 | 1,821 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $320,000 | 1,342 |
| Trading account gains and fees | $-10,000 | 8,623 |
| Additional Noninterest Income | $343,000 | 1,775 |
| Total noninterest expense | $2,072,000 | 2,232 |
| Salaries and employee benefits | $1,118,000 | 2,301 |
| Premises and equipment expense | $349,000 | 1,885 |
| Additional noninterest expense | $605,000 | 2,180 |
| Pre-tax net operating income | $672,000 | 2,886 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $47,000 | 4,199 |
| Income before extraordinary items | $625,000 | 2,548 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $625,000 | 2,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 1,766 |
| Cash dividends | $300,000 | 1,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $625,000 | 2,523 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,902,000 | 2,435 |
| Total interest expense | $7,394,000 | 2,186 |
| Net interest income | $8,508,000 | 2,645 |
| Provision for loan and lease losses | $514,000 | 1,860 |
| Total noninterest income | $2,885,000 | 1,697 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,356,000 | 1,313 |
| Trading account gains and fees | $-85,000 | 8,662 |
| Additional Noninterest Income | $1,614,000 | 1,582 |
| Total noninterest expense | $8,273,000 | 2,140 |
| Salaries and employee benefits | $4,059,000 | 2,417 |
| Premises and equipment expense | $1,414,000 | 1,791 |
| Additional noninterest expense | $2,800,000 | 1,881 |
| Pre-tax net operating income | $2,606,000 | 3,039 |
| Securities gains (losses) | $12,000 | 1,037 |
| Applicable income taxes | $11,000 | 6,128 |
| Income before extraordinary items | $2,607,000 | 2,524 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,607,000 | 2,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $1,000,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,595,000 | 2,513 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,073,000 | 2,400 |
| Total interest expense | $5,503,000 | 2,146 |
| Net interest income | $6,570,000 | 2,600 |
| Provision for loan and lease losses | $391,000 | 1,733 |
| Total noninterest income | $2,095,000 | 1,744 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,000,000 | 1,345 |
| Trading account gains and fees | $-87,000 | 8,726 |
| Additional Noninterest Income | $1,182,000 | 1,610 |
| Total noninterest expense | $6,170,000 | 2,153 |
| Salaries and employee benefits | $3,144,000 | 2,344 |
| Premises and equipment expense | $1,013,000 | 1,865 |
| Additional noninterest expense | $2,013,000 | 1,934 |
| Pre-tax net operating income | $2,104,000 | 3,011 |
| Securities gains (losses) | $12,000 | 854 |
| Applicable income taxes | $61,000 | 5,302 |
| Income before extraordinary items | $2,055,000 | 2,506 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,055,000 | 2,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,992 |
| Cash dividends | $900,000 | 2,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,043,360 | 2,506 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $7,936,000 | 2,390 |
| Total interest expense | $3,618,000 | 2,074 |
| Net interest income | $4,318,000 | 2,635 |
| Provision for loan and lease losses | $258,000 | 1,718 |
| Total noninterest income | $1,445,000 | 1,695 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $646,000 | 1,365 |
| Trading account gains and fees | $-125,000 | 8,764 |
| Additional Noninterest Income | $924,000 | 1,438 |
| Total noninterest expense | $4,119,000 | 2,143 |
| Salaries and employee benefits | $2,103,000 | 2,339 |
| Premises and equipment expense | $668,000 | 1,883 |
| Additional noninterest expense | $1,348,000 | 1,944 |
| Pre-tax net operating income | $1,386,000 | 3,049 |
| Securities gains (losses) | $11,000 | 713 |
| Applicable income taxes | $58,000 | 5,109 |
| Income before extraordinary items | $1,339,000 | 2,555 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,339,000 | 2,558 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 3,609 |
| Cash dividends | $500,000 | 2,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,328,440 | 2,555 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,884,000 | 2,385 |
| Total interest expense | $1,787,000 | 2,003 |
| Net interest income | $2,097,000 | 2,682 |
| Provision for loan and lease losses | $126,000 | 1,677 |
| Total noninterest income | $626,000 | 1,863 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $305,000 | 1,405 |
| Trading account gains and fees | $-68,000 | 8,774 |
| Additional Noninterest Income | $389,000 | 1,606 |
| Total noninterest expense | $1,982,000 | 2,239 |
| Salaries and employee benefits | $1,023,000 | 2,405 |
| Premises and equipment expense | $308,000 | 2,043 |
| Additional noninterest expense | $651,000 | 2,000 |
| Pre-tax net operating income | $615,000 | 3,254 |
| Securities gains (losses) | $20,000 | 479 |
| Applicable income taxes | $27,000 | 5,120 |
| Income before extraordinary items | $608,000 | 2,711 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $608,000 | 2,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $588,800 | 2,767 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,183,000 | 2,334 |
| Total interest expense | $6,317,000 | 1,792 |
| Net interest income | $7,866,000 | 2,750 |
| Provision for loan and lease losses | $253,000 | 3,131 |
| Total noninterest income | $2,286,000 | 2,004 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,345,000 | 1,317 |
| Trading account gains and fees | $-194,000 | 8,818 |
| Additional Noninterest Income | $1,135,000 | 2,039 |
| Total noninterest expense | $7,697,000 | 2,169 |
| Salaries and employee benefits | $3,918,000 | 2,334 |
| Premises and equipment expense | $1,155,000 | 2,077 |
| Additional noninterest expense | $2,624,000 | 1,935 |
| Pre-tax net operating income | $2,202,000 | 3,456 |
| Securities gains (losses) | $280,000 | 424 |
| Applicable income taxes | $88,000 | 5,466 |
| Income before extraordinary items | $2,394,000 | 2,687 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,394,000 | 2,687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $499,000 | 1,172 |
| Cash dividends | $1,200,000 | 2,126 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,125,200 | 2,909 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,255,000 | 2,362 |
| Total interest expense | $4,594,000 | 1,749 |
| Net interest income | $5,661,000 | 2,821 |
| Provision for loan and lease losses | $173,000 | 3,274 |
| Total noninterest income | $1,640,000 | 2,066 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,007,000 | 1,309 |
| Trading account gains and fees | $-126,000 | 8,843 |
| Additional Noninterest Income | $759,000 | 2,196 |
| Total noninterest expense | $5,722,000 | 2,168 |
| Salaries and employee benefits | $2,946,000 | 2,305 |
| Premises and equipment expense | $826,000 | 2,162 |
| Additional noninterest expense | $1,950,000 | 1,907 |
| Pre-tax net operating income | $1,406,000 | 3,927 |
| Securities gains (losses) | $280,000 | 400 |
| Applicable income taxes | $54,000 | 5,741 |
| Income before extraordinary items | $1,632,000 | 2,928 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,632,000 | 2,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $478,000 | 866 |
| Cash dividends | $800,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,360,400 | 3,337 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,598,000 | 2,383 |
| Total interest expense | $2,956,000 | 1,709 |
| Net interest income | $3,642,000 | 2,897 |
| Provision for loan and lease losses | $110,000 | 3,223 |
| Total noninterest income | $1,055,000 | 2,096 |
| Gross Fiduciary activities income | $4,000 | 1,282 |
| Service charges on deposit accounts | $649,000 | 1,324 |
| Trading account gains and fees | $-86,000 | 8,849 |
| Additional Noninterest Income | $488,000 | 2,226 |
| Total noninterest expense | $3,751,000 | 2,183 |
| Salaries and employee benefits | $1,961,000 | 2,303 |
| Premises and equipment expense | $550,000 | 2,155 |
| Additional noninterest expense | $1,240,000 | 1,978 |
| Pre-tax net operating income | $836,000 | 4,179 |
| Securities gains (losses) | $191,000 | 415 |
| Applicable income taxes | $23,000 | 6,019 |
| Income before extraordinary items | $1,004,000 | 3,081 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,004,000 | 3,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,825 |
| Cash dividends | $800,000 | 1,566 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $816,820 | 3,550 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,133,000 | 2,469 |
| Total interest expense | $1,425,000 | 1,677 |
| Net interest income | $1,708,000 | 3,049 |
| Provision for loan and lease losses | $47,000 | 3,284 |
| Total noninterest income | $715,000 | 1,618 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $309,000 | 1,329 |
| Trading account gains and fees | $-109,000 | 8,914 |
| Additional Noninterest Income | $515,000 | 1,314 |
| Total noninterest expense | $1,869,000 | 2,209 |
| Salaries and employee benefits | $978,000 | 2,322 |
| Premises and equipment expense | $284,000 | 2,106 |
| Additional noninterest expense | $607,000 | 2,016 |
| Pre-tax net operating income | $507,000 | 3,641 |
| Securities gains (losses) | $66,000 | 478 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $566,000 | 2,743 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $566,000 | 2,743 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,584 |
| Cash dividends | $200,000 | 2,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $500,660 | 3,004 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,472,000 | 2,308 |
| Total interest expense | $5,529,000 | 1,486 |
| Net interest income | $6,943,000 | 2,908 |
| Provision for loan and lease losses | $441,000 | 2,182 |
| Total noninterest income | $2,058,000 | 2,159 |
| Gross Fiduciary activities income | $2,000 | 1,487 |
| Service charges on deposit accounts | $1,332,000 | 1,331 |
| Trading account gains and fees | $-230,000 | 8,957 |
| Additional Noninterest Income | $954,000 | 2,216 |
| Total noninterest expense | $7,020,000 | 2,279 |
| Salaries and employee benefits | $3,417,000 | 2,551 |
| Premises and equipment expense | $935,000 | 2,437 |
| Additional noninterest expense | $2,668,000 | 1,824 |
| Pre-tax net operating income | $1,540,000 | 4,179 |
| Securities gains (losses) | $69,000 | 1,499 |
| Applicable income taxes | $61,000 | 5,913 |
| Income before extraordinary items | $1,548,000 | 3,561 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,548,000 | 3,562 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,722 |
| Cash dividends | $800,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,481,760 | 3,614 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $9,334,000 | 2,275 |
| Total interest expense | $4,115,000 | 1,473 |
| Net interest income | $5,219,000 | 2,878 |
| Provision for loan and lease losses | $322,000 | 2,134 |
| Total noninterest income | $1,433,000 | 2,282 |
| Gross Fiduciary activities income | $2,000 | 1,430 |
| Service charges on deposit accounts | $1,008,000 | 1,331 |
| Trading account gains and fees | $-132,000 | 9,003 |
| Additional Noninterest Income | $555,000 | 2,637 |
| Total noninterest expense | $5,184,000 | 2,293 |
| Salaries and employee benefits | $2,555,000 | 2,528 |
| Premises and equipment expense | $679,000 | 2,493 |
| Additional noninterest expense | $1,950,000 | 1,835 |
| Pre-tax net operating income | $1,146,000 | 4,270 |
| Securities gains (losses) | $37,000 | 1,884 |
| Applicable income taxes | $50,000 | 5,967 |
| Income before extraordinary items | $1,133,000 | 3,689 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,133,000 | 3,689 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 2,270 |
| Cash dividends | $600,000 | 2,394 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,097,480 | 3,707 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,229,000 | 2,251 |
| Total interest expense | $2,690,000 | 1,480 |
| Net interest income | $3,539,000 | 2,817 |
| Provision for loan and lease losses | $208,000 | 2,144 |
| Total noninterest income | $1,054,000 | 2,115 |
| Gross Fiduciary activities income | $2,000 | 1,383 |
| Service charges on deposit accounts | $662,000 | 1,338 |
| Trading account gains and fees | $-295,000 | 9,059 |
| Additional Noninterest Income | $685,000 | 1,746 |
| Total noninterest expense | $3,455,000 | 2,297 |
| Salaries and employee benefits | $1,677,000 | 2,566 |
| Premises and equipment expense | $457,000 | 2,465 |
| Additional noninterest expense | $1,321,000 | 1,808 |
| Pre-tax net operating income | $930,000 | 3,709 |
| Securities gains (losses) | $37,000 | 1,654 |
| Applicable income taxes | $37,000 | 5,892 |
| Income before extraordinary items | $930,000 | 3,114 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $930,000 | 3,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,586 |
| Cash dividends | $500,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $894,480 | 3,147 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,125,000 | 2,246 |
| Total interest expense | $1,332,000 | 1,501 |
| Net interest income | $1,793,000 | 2,775 |
| Provision for loan and lease losses | $99,000 | 2,165 |
| Total noninterest income | $294,000 | 3,156 |
| Gross Fiduciary activities income | $2,000 | 1,290 |
| Service charges on deposit accounts | $319,000 | 1,342 |
| Trading account gains and fees | $51,000 | 90 |
| Additional Noninterest Income | $-78,000 | 9,117 |
| Total noninterest expense | $1,700,000 | 2,341 |
| Salaries and employee benefits | $827,000 | 2,608 |
| Premises and equipment expense | $229,000 | 2,484 |
| Additional noninterest expense | $644,000 | 1,835 |
| Pre-tax net operating income | $288,000 | 4,902 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $282,000 | 4,437 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $282,000 | 4,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $282,000 | 4,307 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,617,000 | 2,282 |
| Total interest expense | $5,890,000 | 1,511 |
| Net interest income | $6,727,000 | 2,850 |
| Provision for loan and lease losses | $166,000 | 4,396 |
| Total noninterest income | $2,196,000 | 2,162 |
| Gross Fiduciary activities income | $4,000 | 1,466 |
| Service charges on deposit accounts | $1,356,000 | 1,281 |
| Trading account gains and fees | $-201,000 | 9,163 |
| Additional Noninterest Income | $1,037,000 | 2,333 |
| Total noninterest expense | $6,814,000 | 2,307 |
| Salaries and employee benefits | $3,260,000 | 2,567 |
| Premises and equipment expense | $833,000 | 2,657 |
| Additional noninterest expense | $2,721,000 | 1,787 |
| Pre-tax net operating income | $1,943,000 | 3,456 |
| Securities gains (losses) | $245,000 | 1,198 |
| Applicable income taxes | $93,000 | 5,795 |
| Income before extraordinary items | $2,095,000 | 2,761 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,095,000 | 2,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 4,107 |
| Cash dividends | $1,190,000 | 2,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,859,800 | 2,903 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,449,000 | 2,317 |
| Total interest expense | $4,493,000 | 1,551 |
| Net interest income | $4,956,000 | 2,917 |
| Provision for loan and lease losses | $403,000 | 2,011 |
| Total noninterest income | $1,756,000 | 2,105 |
| Gross Fiduciary activities income | $4,000 | 1,409 |
| Service charges on deposit accounts | $1,014,000 | 1,293 |
| Trading account gains and fees | $-186,000 | 9,215 |
| Additional Noninterest Income | $924,000 | 2,163 |
| Total noninterest expense | $5,040,000 | 2,341 |
| Salaries and employee benefits | $2,423,000 | 2,601 |
| Premises and equipment expense | $628,000 | 2,658 |
| Additional noninterest expense | $1,989,000 | 1,814 |
| Pre-tax net operating income | $1,269,000 | 3,921 |
| Securities gains (losses) | $238,000 | 1,123 |
| Applicable income taxes | $65,000 | 5,991 |
| Income before extraordinary items | $1,442,000 | 3,052 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,442,000 | 3,051 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $95,000 | 3,318 |
| Cash dividends | $940,000 | 1,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,213,520 | 3,304 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,340,000 | 2,315 |
| Total interest expense | $2,999,000 | 1,610 |
| Net interest income | $3,341,000 | 2,894 |
| Provision for loan and lease losses | $318,000 | 1,718 |
| Total noninterest income | $1,012,000 | 2,344 |
| Gross Fiduciary activities income | $2,000 | 1,432 |
| Service charges on deposit accounts | $669,000 | 1,287 |
| Trading account gains and fees | $96,000 | 111 |
| Additional Noninterest Income | $245,000 | 3,660 |
| Total noninterest expense | $3,365,000 | 2,332 |
| Salaries and employee benefits | $1,596,000 | 2,630 |
| Premises and equipment expense | $416,000 | 2,678 |
| Additional noninterest expense | $1,353,000 | 1,775 |
| Pre-tax net operating income | $670,000 | 4,539 |
| Securities gains (losses) | $234,000 | 949 |
| Applicable income taxes | $42,000 | 6,056 |
| Income before extraordinary items | $862,000 | 3,318 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $862,000 | 3,318 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,965 |
| Cash dividends | $940,000 | 1,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $639,700 | 3,919 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,255,000 | 2,262 |
| Total interest expense | $1,500,000 | 1,657 |
| Net interest income | $1,755,000 | 2,764 |
| Provision for loan and lease losses | $154,000 | 1,651 |
| Total noninterest income | $300,000 | 3,244 |
| Gross Fiduciary activities income | $2,000 | 1,343 |
| Service charges on deposit accounts | $316,000 | 1,323 |
| Trading account gains and fees | $-155,000 | 9,291 |
| Additional Noninterest Income | $137,000 | 3,373 |
| Total noninterest expense | $1,612,000 | 2,410 |
| Salaries and employee benefits | $755,000 | 2,753 |
| Premises and equipment expense | $213,000 | 2,615 |
| Additional noninterest expense | $644,000 | 1,829 |
| Pre-tax net operating income | $289,000 | 4,884 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $282,000 | 4,407 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $282,000 | 4,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $690,000 | 940 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $282,000 | 4,210 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,959,000 | 2,376 |
| Total interest expense | $6,114,000 | 1,869 |
| Net interest income | $6,845,000 | 2,790 |
| Provision for loan and lease losses | $515,000 | 2,334 |
| Total noninterest income | $1,161,000 | 3,142 |
| Gross Fiduciary activities income | $4,000 | 1,538 |
| Service charges on deposit accounts | $1,125,000 | 1,435 |
| Trading account gains and fees | $-560,000 | 9,333 |
| Additional Noninterest Income | $592,000 | 2,988 |
| Total noninterest expense | $5,922,000 | 2,494 |
| Salaries and employee benefits | $2,762,000 | 2,838 |
| Premises and equipment expense | $825,000 | 2,618 |
| Additional noninterest expense | $2,335,000 | 1,984 |
| Pre-tax net operating income | $1,569,000 | 3,999 |
| Securities gains (losses) | $55,000 | 2,322 |
| Applicable income taxes | $41,000 | 6,673 |
| Income before extraordinary items | $1,583,000 | 3,363 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,583,000 | 3,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,941 |
| Cash dividends | $960,000 | 2,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,529,650 | 3,342 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,026,000 | 2,618 |
| Total interest expense | $6,631,000 | 2,425 |
| Net interest income | $6,395,000 | 2,776 |
| Provision for loan and lease losses | $1,052,000 | 1,196 |
| Total noninterest income | $1,796,000 | 2,188 |
| Gross Fiduciary activities income | $5,000 | 1,541 |
| Service charges on deposit accounts | $1,112,000 | 1,352 |
| Trading account gains and fees | $-153,000 | 9,579 |
| Additional Noninterest Income | $832,000 | 2,330 |
| Total noninterest expense | $5,597,000 | 2,526 |
| Salaries and employee benefits | $2,597,000 | 2,856 |
| Premises and equipment expense | $913,000 | 2,334 |
| Additional noninterest expense | $2,087,000 | 2,151 |
| Pre-tax net operating income | $1,542,000 | 3,783 |
| Securities gains (losses) | $-28,000 | 9,402 |
| Applicable income taxes | $89,000 | 6,140 |
| Income before extraordinary items | $1,425,000 | 3,347 |
| Extraordinary gains, net | $602,000 | 34 |
| Net income | $2,027,000 | 2,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,038,000 | 914 |
| Cash dividends | $599,000 | 3,177 |
| Sale, conversion, retirement of capital stock, net | $590,000 | 481 |
| Net operating income | $1,451,320 | 3,194 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,494,000 | 2,578 |
| Total interest expense | $7,084,000 | 2,388 |
| Net interest income | $6,410,000 | 2,773 |
| Provision for loan and lease losses | $297,000 | 2,912 |
| Total noninterest income | $1,403,000 | 2,464 |
| Gross Fiduciary activities income | $5,000 | 1,259 |
| Service charges on deposit accounts | $970,000 | 1,403 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $428,000 | 3,207 |
| Total noninterest expense | $6,123,000 | 2,238 |
| Salaries and employee benefits | $2,570,000 | 2,764 |
| Premises and equipment expense | $913,000 | 2,258 |
| Additional noninterest expense | $2,640,000 | 1,686 |
| Pre-tax net operating income | $1,393,000 | 4,288 |
| Securities gains (losses) | $83,000 | 607 |
| Applicable income taxes | $-25,000 | 9,397 |
| Income before extraordinary items | $1,501,000 | 3,255 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,501,000 | 3,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $307,000 | 1,793 |
| Cash dividends | $423,000 | 3,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,418,000 | 3,389 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,444,000 | 2,617 |
| Total interest expense | $5,875,000 | 2,505 |
| Net interest income | $6,569,000 | 2,668 |
| Provision for loan and lease losses | $157,000 | 4,154 |
| Total noninterest income | $1,157,000 | 2,782 |
| Gross Fiduciary activities income | $8,000 | 1,281 |
| Service charges on deposit accounts | $730,000 | 1,820 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $419,000 | 3,303 |
| Total noninterest expense | $7,011,000 | 1,960 |
| Salaries and employee benefits | $2,727,000 | 2,583 |
| Premises and equipment expense | $842,000 | 2,397 |
| Additional noninterest expense | $3,442,000 | 1,344 |
| Pre-tax net operating income | $558,000 | 6,870 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $41,000 | 7,793 |
| Income before extraordinary items | $517,000 | 6,313 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $517,000 | 6,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 3,630 |
| Cash dividends | $914,000 | 2,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $517,000 | 6,299 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $11,949,000 | 2,717 |
| Total interest expense | $5,514,000 | 2,740 |
| Net interest income | $6,435,000 | 2,667 |
| Provision for loan and lease losses | $868,000 | 1,107 |
| Total noninterest income | $1,028,000 | 3,008 |
| Gross Fiduciary activities income | $3,000 | 1,349 |
| Service charges on deposit accounts | $722,000 | 1,773 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $303,000 | 3,997 |
| Total noninterest expense | $5,278,000 | 2,460 |
| Salaries and employee benefits | $2,499,000 | 2,719 |
| Premises and equipment expense | $818,000 | 2,401 |
| Additional noninterest expense | $1,961,000 | 2,145 |
| Pre-tax net operating income | $1,317,000 | 4,570 |
| Securities gains (losses) | $584,000 | 503 |
| Applicable income taxes | $664,000 | 3,148 |
| Income before extraordinary items | $1,237,000 | 3,833 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,237,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,228,000 | 649 |
| Cash dividends | $854,000 | 2,484 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $857,400 | 4,889 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,753,000 | 3,021 |
| Total interest expense | $4,432,000 | 3,334 |
| Net interest income | $6,321,000 | 2,753 |
| Provision for loan and lease losses | $540,000 | 1,667 |
| Total noninterest income | $985,000 | 3,076 |
| Gross Fiduciary activities income | $6,000 | 1,371 |
| Service charges on deposit accounts | $685,000 | 1,909 |
| Trading account gains and fees | $21,000 | 199 |
| Additional Noninterest Income | $273,000 | 4,143 |
| Total noninterest expense | $4,697,000 | 2,726 |
| Salaries and employee benefits | $2,122,000 | 3,115 |
| Premises and equipment expense | $765,000 | 2,523 |
| Additional noninterest expense | $1,810,000 | 2,301 |
| Pre-tax net operating income | $2,069,000 | 3,420 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $647,000 | 3,465 |
| Income before extraordinary items | $1,422,000 | 3,514 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,422,000 | 3,514 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 3,640 |
| Cash dividends | $1,057,000 | 2,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,422,000 | 3,439 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $10,125,000 | 3,240 |
| Total interest expense | $4,118,000 | 3,610 |
| Net interest income | $6,007,000 | 2,956 |
| Provision for loan and lease losses | $257,000 | 2,894 |
| Total noninterest income | $851,000 | 3,528 |
| Gross Fiduciary activities income | $8,000 | 1,417 |
| Service charges on deposit accounts | $578,000 | 2,348 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $265,000 | 4,389 |
| Total noninterest expense | $4,198,000 | 3,199 |
| Salaries and employee benefits | $2,087,000 | 3,203 |
| Premises and equipment expense | $652,000 | 2,967 |
| Additional noninterest expense | $1,459,000 | 3,194 |
| Pre-tax net operating income | $2,403,000 | 2,877 |
| Securities gains (losses) | $25,000 | 1,832 |
| Applicable income taxes | $742,000 | 3,045 |
| Income before extraordinary items | $1,686,000 | 2,874 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,686,000 | 2,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,357 |
| Cash dividends | $1,058,000 | 2,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,668,750 | 2,856 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,169,000 | 3,564 |
| Total interest expense | $3,749,000 | 3,903 |
| Net interest income | $5,420,000 | 3,272 |
| Provision for loan and lease losses | $135,000 | 3,846 |
| Total noninterest income | $791,000 | 3,716 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $523,000 | 2,586 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,292 |
| Total noninterest expense | $3,864,000 | 3,432 |
| Salaries and employee benefits | $1,884,000 | 3,503 |
| Premises and equipment expense | $641,000 | 3,047 |
| Additional noninterest expense | $1,339,000 | 3,403 |
| Pre-tax net operating income | $2,212,000 | 3,200 |
| Securities gains (losses) | $7,000 | 2,620 |
| Applicable income taxes | $745,000 | 3,061 |
| Income before extraordinary items | $1,474,000 | 3,294 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,474,000 | 3,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $955,000 | 2,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,469,380 | 3,277 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,955,000 | 4,247 |
| Total interest expense | $2,604,000 | 4,478 |
| Net interest income | $4,351,000 | 4,050 |
| Provision for loan and lease losses | $50,000 | 6,087 |
| Total noninterest income | $723,000 | 4,015 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $445,000 | 3,075 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $278,000 | 4,315 |
| Total noninterest expense | $3,348,000 | 4,002 |
| Salaries and employee benefits | $1,596,000 | 4,057 |
| Premises and equipment expense | $583,000 | 3,355 |
| Additional noninterest expense | $1,169,000 | 4,147 |
| Pre-tax net operating income | $1,676,000 | 4,004 |
| Securities gains (losses) | $-106,000 | 11,563 |
| Applicable income taxes | $537,000 | 3,836 |
| Income before extraordinary items | $1,033,000 | 4,415 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,033,000 | 4,415 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $599,000 | 2,848 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,102,960 | 4,215 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,614,000 | 4,550 |
| Total interest expense | $2,597,000 | 4,653 |
| Net interest income | $4,017,000 | 4,381 |
| Provision for loan and lease losses | $45,000 | 7,729 |
| Total noninterest income | $523,000 | 5,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,552 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,879 |
| Total noninterest expense | $2,977,000 | 4,544 |
| Salaries and employee benefits | $1,466,000 | 4,365 |
| Premises and equipment expense | $549,000 | 3,582 |
| Additional noninterest expense | $962,000 | 5,091 |
| Pre-tax net operating income | $1,518,000 | 4,272 |
| Securities gains (losses) | $286,000 | 1,346 |
| Applicable income taxes | $637,000 | 3,411 |
| Income before extraordinary items | $1,167,000 | 4,120 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,167,000 | 4,234 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 6,608 |
| Cash dividends | $599,000 | 2,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $981,100 | 4,525 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,155,000 | 4,745 |
| Total interest expense | $3,339,000 | 4,723 |
| Net interest income | $3,816,000 | 4,644 |
| Provision for loan and lease losses | $-98,000 | 13,701 |
| Total noninterest income | $432,000 | 6,246 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $319,000 | 4,233 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $113,000 | 7,650 |
| Total noninterest expense | $2,544,000 | 5,230 |
| Salaries and employee benefits | $1,294,000 | 4,845 |
| Premises and equipment expense | $400,000 | 4,795 |
| Additional noninterest expense | $850,000 | 5,798 |
| Pre-tax net operating income | $1,802,000 | 3,426 |
| Securities gains (losses) | $86,000 | 3,258 |
| Applicable income taxes | $678,000 | 3,074 |
| Income before extraordinary items | $1,210,000 | 3,771 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,210,000 | 3,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 13,228 |
| Cash dividends | $504,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,154,960 | 3,649 |
* 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.