Home > Citizens Bank of Effingham > Income and Expense
Citizens Bank of Effingham, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $8,848,000 | 3,264 |
| Total interest expense | $4,218,000 | 1,899 |
| Net interest income | $4,630,000 | 4,164 |
| Provision for loan and lease losses | $9,567,000 | 688 |
| Total noninterest income | $198,000 | 5,966 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $473,000 | 2,739 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-275,000 | 7,321 |
| Total noninterest expense | $5,659,000 | 3,253 |
| Salaries and employee benefits | $2,006,000 | 4,227 |
| Premises and equipment expense | $661,000 | 3,458 |
| Additional noninterest expense | $2,992,000 | 2,295 |
| Pre-tax net operating income | $-10,398,000 | 7,368 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $-250,000 | 7,012 |
| Income before extraordinary items | $-10,148,000 | 7,383 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-10,148,000 | 7,382 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-10,148,000 | 7,383 |
| Net charge-offs | $9,640,000 | 623 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-10,148,000 | 7,372 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $6,685,000 | 3,312 |
| Total interest expense | $3,246,000 | 1,922 |
| Net interest income | $3,439,000 | 4,254 |
| Provision for loan and lease losses | $8,588,000 | 571 |
| Total noninterest income | $-45,000 | 7,490 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $364,000 | 2,758 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-409,000 | 7,549 |
| Total noninterest expense | $4,063,000 | 3,364 |
| Salaries and employee benefits | $1,537,000 | 4,200 |
| Premises and equipment expense | $487,000 | 3,556 |
| Additional noninterest expense | $2,039,000 | 2,444 |
| Pre-tax net operating income | $-9,257,000 | 7,535 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $-9,257,000 | 7,571 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-9,257,000 | 7,571 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-9,257,000 | 7,571 |
| Net charge-offs | $5,761,000 | 705 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-9,257,000 | 7,556 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $4,953,000 | 3,070 |
| Total interest expense | $2,239,000 | 1,935 |
| Net interest income | $2,714,000 | 3,795 |
| Provision for loan and lease losses | $3,784,000 | 795 |
| Total noninterest income | $486,000 | 3,268 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $252,000 | 2,703 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $234,000 | 3,227 |
| Total noninterest expense | $2,678,000 | 3,411 |
| Salaries and employee benefits | $1,045,000 | 4,174 |
| Premises and equipment expense | $323,000 | 3,605 |
| Additional noninterest expense | $1,310,000 | 2,518 |
| Pre-tax net operating income | $-3,262,000 | 7,415 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,262,000 | 7,464 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,262,000 | 7,464 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,262,000 | 7,464 |
| Net charge-offs | $4,907,000 | 582 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,262,000 | 7,459 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,485,000 | 3,123 |
| Total interest expense | $1,127,000 | 2,030 |
| Net interest income | $1,358,000 | 3,808 |
| Provision for loan and lease losses | $727,000 | 1,443 |
| Total noninterest income | $290,000 | 2,936 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $119,000 | 2,802 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $171,000 | 2,625 |
| Total noninterest expense | $1,299,000 | 3,547 |
| Salaries and employee benefits | $533,000 | 4,166 |
| Premises and equipment expense | $162,000 | 3,682 |
| Additional noninterest expense | $604,000 | 2,691 |
| Pre-tax net operating income | $-378,000 | 7,069 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-378,000 | 7,161 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-378,000 | 7,163 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-378,000 | 7,162 |
| Net charge-offs | $679,000 | 1,358 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-378,000 | 7,134 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $10,399,000 | 3,140 |
| Total interest expense | $5,186,000 | 2,185 |
| Net interest income | $5,213,000 | 3,838 |
| Provision for loan and lease losses | $10,757,000 | 815 |
| Total noninterest income | $1,167,000 | 3,034 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $505,000 | 2,863 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $662,000 | 2,748 |
| Total noninterest expense | $4,894,000 | 3,765 |
| Salaries and employee benefits | $2,270,000 | 3,982 |
| Premises and equipment expense | $676,000 | 3,562 |
| Additional noninterest expense | $1,948,000 | 3,379 |
| Pre-tax net operating income | $-9,271,000 | 7,459 |
| Securities gains (losses) | $1,000 | 3,653 |
| Applicable income taxes | $-1,977,000 | 7,515 |
| Income before extraordinary items | $-7,293,000 | 7,445 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-7,293,000 | 7,442 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-7,293,000 | 7,443 |
| Net charge-offs | $8,099,000 | 802 |
| Cash dividends | $76,000 | 4,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-7,293,790 | 7,458 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $7,867,000 | 3,160 |
| Total interest expense | $3,978,000 | 2,232 |
| Net interest income | $3,889,000 | 3,851 |
| Provision for loan and lease losses | $7,480,000 | 783 |
| Total noninterest income | $895,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $368,000 | 2,943 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $527,000 | 2,722 |
| Total noninterest expense | $3,571,000 | 3,842 |
| Salaries and employee benefits | $1,727,000 | 3,962 |
| Premises and equipment expense | $515,000 | 3,547 |
| Additional noninterest expense | $1,329,000 | 3,596 |
| Pre-tax net operating income | $-6,267,000 | 7,578 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $233,000 | 2,164 |
| Income before extraordinary items | $-6,500,000 | 7,663 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,500,000 | 7,663 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,500,000 | 7,663 |
| Net charge-offs | $560,000 | 2,885 |
| Cash dividends | $76,000 | 3,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,500,000 | 7,678 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,336,000 | 3,132 |
| Total interest expense | $2,739,000 | 2,252 |
| Net interest income | $2,597,000 | 3,833 |
| Provision for loan and lease losses | $300,000 | 3,683 |
| Total noninterest income | $555,000 | 3,180 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $229,000 | 3,062 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $326,000 | 2,858 |
| Total noninterest expense | $2,444,000 | 3,801 |
| Salaries and employee benefits | $1,246,000 | 3,780 |
| Premises and equipment expense | $369,000 | 3,391 |
| Additional noninterest expense | $829,000 | 3,780 |
| Pre-tax net operating income | $408,000 | 3,644 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $105,000 | 2,587 |
| Income before extraordinary items | $304,000 | 3,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $304,000 | 3,944 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $304,000 | 3,944 |
| Net charge-offs | $95,000 | 4,299 |
| Cash dividends | $56,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $303,260 | 3,831 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 3,181 |
| Total interest expense | $1,442,000 | 2,227 |
| Net interest income | $1,212,000 | 4,031 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $332,000 | 2,836 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $101,000 | 3,239 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $231,000 | 2,317 |
| Total noninterest expense | $1,253,000 | 3,644 |
| Salaries and employee benefits | $637,000 | 3,748 |
| Premises and equipment expense | $180,000 | 3,497 |
| Additional noninterest expense | $436,000 | 3,349 |
| Pre-tax net operating income | $141,000 | 4,593 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $52,000 | 2,848 |
| Income before extraordinary items | $89,000 | 5,103 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $89,000 | 5,108 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $89,000 | 5,107 |
| Net charge-offs | $-65,000 | 8,157 |
| Cash dividends | $30,000 | 2,832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $89,000 | 4,941 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,885,000 | 2,849 |
| Total interest expense | $6,817,000 | 2,243 |
| Net interest income | $6,068,000 | 3,450 |
| Provision for loan and lease losses | $1,412,000 | 2,230 |
| Total noninterest income | $1,405,000 | 2,750 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $458,000 | 3,196 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $947,000 | 2,196 |
| Total noninterest expense | $5,023,000 | 3,555 |
| Salaries and employee benefits | $2,546,000 | 3,734 |
| Premises and equipment expense | $722,000 | 3,431 |
| Additional noninterest expense | $1,755,000 | 3,199 |
| Pre-tax net operating income | $1,038,000 | 3,690 |
| Securities gains (losses) | $2,000 | 2,962 |
| Applicable income taxes | $383,000 | 2,127 |
| Income before extraordinary items | $657,000 | 4,024 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $657,000 | 4,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,200,000 | 1,762 |
| Cash dividends | $420,000 | 3,611 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $655,720 | 4,192 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $10,067,000 | 2,800 |
| Total interest expense | $5,152,000 | 2,320 |
| Net interest income | $4,915,000 | 3,271 |
| Provision for loan and lease losses | $378,000 | 3,165 |
| Total noninterest income | $890,000 | 3,127 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $341,000 | 3,237 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $549,000 | 2,664 |
| Total noninterest expense | $3,843,000 | 3,478 |
| Salaries and employee benefits | $1,976,000 | 3,649 |
| Premises and equipment expense | $544,000 | 3,441 |
| Additional noninterest expense | $1,323,000 | 3,098 |
| Pre-tax net operating income | $1,584,000 | 2,728 |
| Securities gains (losses) | $2,000 | 2,845 |
| Applicable income taxes | $556,000 | 1,766 |
| Income before extraordinary items | $1,030,000 | 3,037 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,030,000 | 3,033 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 3,258 |
| Cash dividends | $127,000 | 4,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,028,700 | 3,194 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,750,000 | 2,817 |
| Total interest expense | $3,461,000 | 2,397 |
| Net interest income | $3,289,000 | 3,245 |
| Provision for loan and lease losses | $252,000 | 2,797 |
| Total noninterest income | $613,000 | 3,097 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $216,000 | 3,330 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $397,000 | 2,606 |
| Total noninterest expense | $2,584,000 | 3,470 |
| Salaries and employee benefits | $1,331,000 | 3,656 |
| Premises and equipment expense | $363,000 | 3,462 |
| Additional noninterest expense | $890,000 | 3,041 |
| Pre-tax net operating income | $1,066,000 | 2,815 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $365,000 | 1,973 |
| Income before extraordinary items | $701,000 | 3,325 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $701,000 | 3,325 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,056 |
| Cash dividends | $91,000 | 4,181 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $701,000 | 3,260 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 2,746 |
| Total interest expense | $1,832,000 | 2,417 |
| Net interest income | $1,726,000 | 3,117 |
| Provision for loan and lease losses | $126,000 | 2,387 |
| Total noninterest income | $296,000 | 3,160 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $105,000 | 3,347 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $191,000 | 2,646 |
| Total noninterest expense | $1,312,000 | 3,446 |
| Salaries and employee benefits | $682,000 | 3,617 |
| Premises and equipment expense | $181,000 | 3,483 |
| Additional noninterest expense | $449,000 | 2,980 |
| Pre-tax net operating income | $584,000 | 2,767 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $201,000 | 1,959 |
| Income before extraordinary items | $383,000 | 3,284 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $383,000 | 3,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,030 |
| Cash dividends | $54,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $383,000 | 3,198 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,501,000 | 2,473 |
| Total interest expense | $7,769,000 | 2,379 |
| Net interest income | $8,732,000 | 2,528 |
| Provision for loan and lease losses | $378,000 | 2,790 |
| Total noninterest income | $1,333,000 | 2,917 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $422,000 | 3,426 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $911,000 | 2,363 |
| Total noninterest expense | $4,829,000 | 3,547 |
| Salaries and employee benefits | $2,730,000 | 3,477 |
| Premises and equipment expense | $648,000 | 3,644 |
| Additional noninterest expense | $1,451,000 | 3,516 |
| Pre-tax net operating income | $4,858,000 | 1,690 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,659,000 | 1,312 |
| Income before extraordinary items | $3,199,000 | 1,936 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,199,000 | 1,935 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,742 |
| Cash dividends | $879,000 | 2,845 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,199,000 | 1,923 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,334,000 | 2,489 |
| Total interest expense | $5,659,000 | 2,447 |
| Net interest income | $6,675,000 | 2,487 |
| Provision for loan and lease losses | $378,000 | 1,943 |
| Total noninterest income | $1,018,000 | 2,878 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $315,000 | 3,438 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $703,000 | 2,311 |
| Total noninterest expense | $3,418,000 | 3,695 |
| Salaries and employee benefits | $1,917,000 | 3,650 |
| Premises and equipment expense | $458,000 | 3,796 |
| Additional noninterest expense | $1,043,000 | 3,579 |
| Pre-tax net operating income | $3,897,000 | 1,712 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,365,000 | 1,314 |
| Income before extraordinary items | $2,532,000 | 1,984 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,532,000 | 1,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,305 |
| Cash dividends | $273,000 | 3,763 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,532,000 | 1,969 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,934,000 | 2,576 |
| Total interest expense | $3,519,000 | 2,606 |
| Net interest income | $4,415,000 | 2,530 |
| Provision for loan and lease losses | $252,000 | 1,778 |
| Total noninterest income | $699,000 | 2,836 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $212,000 | 3,403 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $487,000 | 2,290 |
| Total noninterest expense | $2,210,000 | 3,817 |
| Salaries and employee benefits | $1,308,000 | 3,615 |
| Premises and equipment expense | $276,000 | 4,091 |
| Additional noninterest expense | $626,000 | 3,895 |
| Pre-tax net operating income | $2,652,000 | 1,723 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $932,000 | 1,337 |
| Income before extraordinary items | $1,720,000 | 1,999 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,720,000 | 1,998 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,100 |
| Cash dividends | $215,000 | 3,542 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,720,000 | 1,977 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,774,000 | 2,678 |
| Total interest expense | $1,636,000 | 2,764 |
| Net interest income | $2,138,000 | 2,608 |
| Provision for loan and lease losses | $126,000 | 1,697 |
| Total noninterest income | $367,000 | 2,719 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $110,000 | 3,249 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $257,000 | 2,180 |
| Total noninterest expense | $1,058,000 | 3,962 |
| Salaries and employee benefits | $626,000 | 3,769 |
| Premises and equipment expense | $131,000 | 4,247 |
| Additional noninterest expense | $301,000 | 3,963 |
| Pre-tax net operating income | $1,321,000 | 1,723 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $467,000 | 1,350 |
| Income before extraordinary items | $854,000 | 1,951 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $854,000 | 1,951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,300 |
| Cash dividends | $56,000 | 3,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $854,000 | 1,944 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,440,000 | 2,803 |
| Total interest expense | $4,879,000 | 3,093 |
| Net interest income | $8,561,000 | 2,630 |
| Provision for loan and lease losses | $378,000 | 2,375 |
| Total noninterest income | $1,332,000 | 2,926 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $423,000 | 3,415 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $909,000 | 2,374 |
| Total noninterest expense | $4,268,000 | 3,795 |
| Salaries and employee benefits | $2,432,000 | 3,683 |
| Premises and equipment expense | $534,000 | 4,090 |
| Additional noninterest expense | $1,302,000 | 3,702 |
| Pre-tax net operating income | $5,247,000 | 1,805 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,851,000 | 1,416 |
| Income before extraordinary items | $3,396,000 | 2,067 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,396,000 | 2,068 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 2,656 |
| Cash dividends | $1,132,000 | 2,358 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,396,000 | 2,049 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $9,853,000 | 2,830 |
| Total interest expense | $3,521,000 | 3,093 |
| Net interest income | $6,332,000 | 2,683 |
| Provision for loan and lease losses | $378,000 | 1,779 |
| Total noninterest income | $981,000 | 2,963 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $311,000 | 3,483 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $670,000 | 2,382 |
| Total noninterest expense | $2,975,000 | 4,004 |
| Salaries and employee benefits | $1,652,000 | 3,961 |
| Premises and equipment expense | $399,000 | 4,119 |
| Additional noninterest expense | $924,000 | 3,841 |
| Pre-tax net operating income | $3,960,000 | 1,860 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,410,000 | 1,460 |
| Income before extraordinary items | $2,550,000 | 2,121 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,550,000 | 2,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,107 |
| Cash dividends | $660,000 | 2,516 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,550,000 | 2,106 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,289,000 | 2,907 |
| Total interest expense | $2,224,000 | 3,124 |
| Net interest income | $4,065,000 | 2,749 |
| Provision for loan and lease losses | $252,000 | 1,748 |
| Total noninterest income | $646,000 | 2,988 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $203,000 | 3,505 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $443,000 | 2,388 |
| Total noninterest expense | $1,846,000 | 4,223 |
| Salaries and employee benefits | $1,053,000 | 4,112 |
| Premises and equipment expense | $252,000 | 4,249 |
| Additional noninterest expense | $541,000 | 4,237 |
| Pre-tax net operating income | $2,613,000 | 1,880 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $936,000 | 1,472 |
| Income before extraordinary items | $1,677,000 | 2,142 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,677,000 | 2,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,712 |
| Cash dividends | $103,000 | 4,316 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,677,000 | 2,126 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $2,977,000 | 2,991 |
| Total interest expense | $1,065,000 | 3,099 |
| Net interest income | $1,912,000 | 2,896 |
| Provision for loan and lease losses | $126,000 | 1,677 |
| Total noninterest income | $347,000 | 2,806 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $105,000 | 3,367 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $242,000 | 2,234 |
| Total noninterest expense | $915,000 | 4,274 |
| Salaries and employee benefits | $507,000 | 4,243 |
| Premises and equipment expense | $118,000 | 4,464 |
| Additional noninterest expense | $290,000 | 4,009 |
| Pre-tax net operating income | $1,218,000 | 1,947 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $438,000 | 1,548 |
| Income before extraordinary items | $780,000 | 2,252 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $780,000 | 2,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,390 |
| Cash dividends | $49,000 | 3,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $780,000 | 2,229 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,769,000 | 3,201 |
| Total interest expense | $2,942,000 | 3,387 |
| Net interest income | $6,827,000 | 3,102 |
| Provision for loan and lease losses | $438,000 | 2,123 |
| Total noninterest income | $935,000 | 3,721 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $434,000 | 3,358 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $501,000 | 3,366 |
| Total noninterest expense | $3,307,000 | 4,476 |
| Salaries and employee benefits | $1,835,000 | 4,402 |
| Premises and equipment expense | $479,000 | 4,301 |
| Additional noninterest expense | $993,000 | 4,440 |
| Pre-tax net operating income | $4,017,000 | 2,216 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $1,426,000 | 1,770 |
| Income before extraordinary items | $2,593,000 | 2,526 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,593,000 | 2,526 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,723 |
| Cash dividends | $307,000 | 4,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,591,700 | 2,497 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,978,000 | 3,287 |
| Total interest expense | $2,020,000 | 3,486 |
| Net interest income | $4,958,000 | 3,168 |
| Provision for loan and lease losses | $378,000 | 1,794 |
| Total noninterest income | $712,000 | 3,696 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $328,000 | 3,354 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $384,000 | 3,350 |
| Total noninterest expense | $2,318,000 | 4,661 |
| Salaries and employee benefits | $1,270,000 | 4,651 |
| Premises and equipment expense | $331,000 | 4,530 |
| Additional noninterest expense | $717,000 | 4,556 |
| Pre-tax net operating income | $2,974,000 | 2,250 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $1,070,000 | 1,791 |
| Income before extraordinary items | $1,906,000 | 2,576 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,906,000 | 2,577 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-107,000 | 8,647 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,904,720 | 2,551 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,416,000 | 3,359 |
| Total interest expense | $1,234,000 | 3,551 |
| Net interest income | $3,182,000 | 3,239 |
| Provision for loan and lease losses | $252,000 | 1,758 |
| Total noninterest income | $469,000 | 3,683 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $217,000 | 3,317 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $252,000 | 3,358 |
| Total noninterest expense | $1,478,000 | 4,773 |
| Salaries and employee benefits | $814,000 | 4,755 |
| Premises and equipment expense | $216,000 | 4,551 |
| Additional noninterest expense | $448,000 | 4,737 |
| Pre-tax net operating income | $1,921,000 | 2,255 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $678,000 | 1,831 |
| Income before extraordinary items | $1,245,000 | 2,569 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,245,000 | 2,569 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-61,000 | 8,530 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,243,700 | 2,537 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,071,000 | 3,489 |
| Total interest expense | $577,000 | 3,609 |
| Net interest income | $1,494,000 | 3,426 |
| Provision for loan and lease losses | $126,000 | 1,668 |
| Total noninterest income | $218,000 | 3,770 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $103,000 | 3,372 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $115,000 | 3,480 |
| Total noninterest expense | $717,000 | 4,910 |
| Salaries and employee benefits | $390,000 | 4,932 |
| Premises and equipment expense | $108,000 | 4,611 |
| Additional noninterest expense | $219,000 | 4,774 |
| Pre-tax net operating income | $869,000 | 2,405 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $305,000 | 1,950 |
| Income before extraordinary items | $564,000 | 2,754 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $564,000 | 2,754 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,076 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $564,000 | 2,704 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,630,000 | 3,967 |
| Total interest expense | $1,817,000 | 3,944 |
| Net interest income | $4,813,000 | 3,919 |
| Provision for loan and lease losses | $470,000 | 2,067 |
| Total noninterest income | $832,000 | 3,953 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $457,000 | 3,341 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $375,000 | 3,827 |
| Total noninterest expense | $2,695,000 | 5,037 |
| Salaries and employee benefits | $1,411,000 | 5,146 |
| Premises and equipment expense | $389,000 | 4,855 |
| Additional noninterest expense | $895,000 | 4,723 |
| Pre-tax net operating income | $2,480,000 | 3,030 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $864,000 | 2,397 |
| Income before extraordinary items | $1,616,000 | 3,441 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,616,000 | 3,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,884 |
| Cash dividends | $256,000 | 4,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,616,000 | 3,377 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,729,000 | 4,093 |
| Total interest expense | $1,293,000 | 4,054 |
| Net interest income | $3,436,000 | 4,062 |
| Provision for loan and lease losses | $290,000 | 2,324 |
| Total noninterest income | $610,000 | 4,034 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $338,000 | 3,389 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $272,000 | 3,913 |
| Total noninterest expense | $1,999,000 | 5,032 |
| Salaries and employee benefits | $1,042,000 | 5,173 |
| Premises and equipment expense | $276,000 | 5,029 |
| Additional noninterest expense | $681,000 | 4,626 |
| Pre-tax net operating income | $1,757,000 | 3,200 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $607,000 | 2,556 |
| Income before extraordinary items | $1,150,000 | 3,647 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,150,000 | 3,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,086 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,150,000 | 3,580 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,054,000 | 4,184 |
| Total interest expense | $852,000 | 4,093 |
| Net interest income | $2,202,000 | 4,185 |
| Provision for loan and lease losses | $180,000 | 2,366 |
| Total noninterest income | $405,000 | 4,057 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $224,000 | 3,386 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $181,000 | 3,955 |
| Total noninterest expense | $1,334,000 | 5,047 |
| Salaries and employee benefits | $688,000 | 5,238 |
| Premises and equipment expense | $181,000 | 5,097 |
| Additional noninterest expense | $465,000 | 4,569 |
| Pre-tax net operating income | $1,093,000 | 3,332 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $375,000 | 2,674 |
| Income before extraordinary items | $718,000 | 3,798 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $718,000 | 3,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $718,000 | 3,707 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,475,000 | 4,318 |
| Total interest expense | $434,000 | 4,077 |
| Net interest income | $1,041,000 | 4,361 |
| Provision for loan and lease losses | $90,000 | 2,254 |
| Total noninterest income | $197,000 | 4,096 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $108,000 | 3,400 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $89,000 | 3,959 |
| Total noninterest expense | $641,000 | 5,217 |
| Salaries and employee benefits | $341,000 | 5,286 |
| Premises and equipment expense | $87,000 | 5,269 |
| Additional noninterest expense | $213,000 | 4,852 |
| Pre-tax net operating income | $507,000 | 3,489 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $140,000 | 3,209 |
| Income before extraordinary items | $367,000 | 3,741 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $367,000 | 3,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-34,000 | 8,748 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $367,000 | 3,617 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,006,000 | 4,312 |
| Total interest expense | $2,122,000 | 3,851 |
| Net interest income | $3,884,000 | 4,444 |
| Provision for loan and lease losses | $270,000 | 3,394 |
| Total noninterest income | $662,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $446,000 | 3,402 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $216,000 | 5,129 |
| Total noninterest expense | $2,515,000 | 5,193 |
| Salaries and employee benefits | $1,295,000 | 5,368 |
| Premises and equipment expense | $364,000 | 5,044 |
| Additional noninterest expense | $856,000 | 4,817 |
| Pre-tax net operating income | $1,761,000 | 3,691 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $610,000 | 3,030 |
| Income before extraordinary items | $1,151,000 | 4,250 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,151,000 | 4,251 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 4,310 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,151,000 | 4,083 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,521,000 | 4,353 |
| Total interest expense | $1,648,000 | 3,848 |
| Net interest income | $2,873,000 | 4,518 |
| Provision for loan and lease losses | $270,000 | 2,692 |
| Total noninterest income | $460,000 | 4,961 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $332,000 | 3,416 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $128,000 | 5,642 |
| Total noninterest expense | $1,803,000 | 5,321 |
| Salaries and employee benefits | $932,000 | 5,485 |
| Premises and equipment expense | $258,000 | 5,228 |
| Additional noninterest expense | $613,000 | 4,933 |
| Pre-tax net operating income | $1,260,000 | 3,941 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $471,000 | 3,133 |
| Income before extraordinary items | $789,000 | 4,634 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $789,000 | 4,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,047 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $789,000 | 4,462 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,029,000 | 4,360 |
| Total interest expense | $1,125,000 | 3,878 |
| Net interest income | $1,904,000 | 4,543 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $297,000 | 5,019 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $214,000 | 3,461 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $83,000 | 5,662 |
| Total noninterest expense | $1,175,000 | 5,393 |
| Salaries and employee benefits | $607,000 | 5,580 |
| Premises and equipment expense | $170,000 | 5,234 |
| Additional noninterest expense | $398,000 | 5,025 |
| Pre-tax net operating income | $846,000 | 3,910 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $301,000 | 3,240 |
| Income before extraordinary items | $545,000 | 4,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $545,000 | 4,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,869 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $545,000 | 4,356 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,488,000 | 4,445 |
| Total interest expense | $572,000 | 3,910 |
| Net interest income | $916,000 | 4,653 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $143,000 | 5,006 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $100,000 | 3,549 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 5,547 |
| Total noninterest expense | $585,000 | 5,427 |
| Salaries and employee benefits | $296,000 | 5,665 |
| Premises and equipment expense | $83,000 | 5,318 |
| Additional noninterest expense | $206,000 | 4,860 |
| Pre-tax net operating income | $384,000 | 4,132 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $137,000 | 3,381 |
| Income before extraordinary items | $247,000 | 4,755 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $247,000 | 4,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,558 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $247,000 | 4,557 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,007,000 | 4,553 |
| Total interest expense | $2,686,000 | 3,879 |
| Net interest income | $3,321,000 | 4,937 |
| Provision for loan and lease losses | $300,000 | 3,409 |
| Total noninterest income | $541,000 | 5,001 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $390,000 | 3,589 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $151,000 | 5,588 |
| Total noninterest expense | $2,126,000 | 5,660 |
| Salaries and employee benefits | $1,041,000 | 5,982 |
| Premises and equipment expense | $343,000 | 5,157 |
| Additional noninterest expense | $742,000 | 5,195 |
| Pre-tax net operating income | $1,436,000 | 4,229 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $510,000 | 3,408 |
| Income before extraordinary items | $926,000 | 4,803 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $926,000 | 4,802 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,589 |
| Cash dividends | $28,000 | 6,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $926,000 | 4,676 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,702,000 | 5,160 |
| Total interest expense | $3,030,000 | 4,694 |
| Net interest income | $2,672,000 | 5,498 |
| Provision for loan and lease losses | $224,000 | 3,900 |
| Total noninterest income | $430,000 | 5,492 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $327,000 | 3,946 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $103,000 | 6,375 |
| Total noninterest expense | $1,742,000 | 6,259 |
| Salaries and employee benefits | $860,000 | 6,538 |
| Premises and equipment expense | $303,000 | 5,484 |
| Additional noninterest expense | $579,000 | 5,973 |
| Pre-tax net operating income | $1,136,000 | 4,567 |
| Securities gains (losses) | $1,000 | 4,410 |
| Applicable income taxes | $400,000 | 3,735 |
| Income before extraordinary items | $737,000 | 5,100 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $737,000 | 5,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,619 |
| Cash dividends | $15,000 | 6,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $736,350 | 4,993 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,864,000 | 5,839 |
| Total interest expense | $2,196,000 | 5,985 |
| Net interest income | $2,668,000 | 5,583 |
| Provision for loan and lease losses | $274,000 | 3,057 |
| Total noninterest income | $334,000 | 6,025 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $256,000 | 4,454 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 6,963 |
| Total noninterest expense | $1,431,000 | 6,933 |
| Salaries and employee benefits | $721,000 | 7,097 |
| Premises and equipment expense | $289,000 | 5,539 |
| Additional noninterest expense | $421,000 | 6,991 |
| Pre-tax net operating income | $1,297,000 | 4,507 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $466,000 | 3,642 |
| Income before extraordinary items | $831,000 | 4,943 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $831,000 | 4,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,946 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $831,000 | 4,934 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,684,000 | 7,710 |
| Total interest expense | $1,167,000 | 7,728 |
| Net interest income | $1,517,000 | 7,554 |
| Provision for loan and lease losses | $290,000 | 2,751 |
| Total noninterest income | $201,000 | 7,495 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 5,981 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 7,752 |
| Total noninterest expense | $1,238,000 | 7,470 |
| Salaries and employee benefits | $664,000 | 7,426 |
| Premises and equipment expense | $251,000 | 6,029 |
| Additional noninterest expense | $323,000 | 7,926 |
| Pre-tax net operating income | $190,000 | 8,630 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-121,000 | 9,950 |
| Income before extraordinary items | $311,000 | 7,530 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $311,000 | 7,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,395 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $311,000 | 7,504 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $469,000 | 10,239 |
| Total interest expense | $167,000 | 10,222 |
| Net interest income | $302,000 | 10,195 |
| Provision for loan and lease losses | $195,000 | 3,570 |
| Total noninterest income | $19,000 | 10,219 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $8,000 | 8,901 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $11,000 | 9,931 |
| Total noninterest expense | $683,000 | 9,154 |
| Salaries and employee benefits | $403,000 | 8,948 |
| Premises and equipment expense | $77,000 | 9,215 |
| Additional noninterest expense | $203,000 | 9,083 |
| Pre-tax net operating income | $-557,000 | 10,215 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $-557,000 | 10,253 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-557,000 | 10,250 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 225 |
| Net operating income | $-557,000 | 10,227 |
* 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.