Home > Citizens National Bank > Income and Expense
Citizens National Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,069,000 | 4,327 |
| Total interest expense | $1,582,000 | 4,439 |
| Net interest income | $3,487,000 | 4,135 |
| Provision for loan and lease losses | $395,000 | 4,198 |
| Total noninterest income | $106,000 | 6,770 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $144,000 | 4,751 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-38,000 | 7,739 |
| Total noninterest expense | $1,803,000 | 5,805 |
| Salaries and employee benefits | $711,000 | 6,395 |
| Premises and equipment expense | $163,000 | 6,394 |
| Additional noninterest expense | $929,000 | 4,627 |
| Pre-tax net operating income | $1,395,000 | 2,176 |
| Securities gains (losses) | $-54,000 | 7,391 |
| Applicable income taxes | $485,000 | 1,434 |
| Income before extraordinary items | $856,000 | 2,750 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $856,000 | 2,747 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $856,000 | 2,750 |
| Net charge-offs | $393,000 | 3,367 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $890,560 | 2,630 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,321,000 | 4,419 |
| Total interest expense | $1,136,000 | 4,381 |
| Net interest income | $2,185,000 | 4,326 |
| Provision for loan and lease losses | $163,000 | 4,629 |
| Total noninterest income | $39,000 | 7,363 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $93,000 | 4,785 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-54,000 | 7,917 |
| Total noninterest expense | $1,164,000 | 5,932 |
| Salaries and employee benefits | $469,000 | 6,477 |
| Premises and equipment expense | $105,000 | 6,497 |
| Additional noninterest expense | $590,000 | 4,770 |
| Pre-tax net operating income | $897,000 | 2,310 |
| Securities gains (losses) | $2,000 | 2,937 |
| Applicable income taxes | $330,000 | 1,443 |
| Income before extraordinary items | $569,000 | 2,858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $569,000 | 2,855 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $569,000 | 2,858 |
| Net charge-offs | $364,000 | 2,710 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $567,720 | 2,753 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,646,000 | 4,487 |
| Total interest expense | $608,000 | 4,322 |
| Net interest income | $1,038,000 | 4,470 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $64,000 | 6,000 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $46,000 | 4,770 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $18,000 | 6,276 |
| Total noninterest expense | $555,000 | 5,997 |
| Salaries and employee benefits | $232,000 | 6,556 |
| Premises and equipment expense | $50,000 | 6,614 |
| Additional noninterest expense | $273,000 | 4,696 |
| Pre-tax net operating income | $547,000 | 2,215 |
| Securities gains (losses) | $2,000 | 2,230 |
| Applicable income taxes | $202,000 | 1,438 |
| Income before extraordinary items | $347,000 | 2,836 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $347,000 | 2,835 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $347,000 | 2,837 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $345,720 | 2,711 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,443,000 | 4,320 |
| Total interest expense | $2,347,000 | 4,906 |
| Net interest income | $5,096,000 | 3,903 |
| Provision for loan and lease losses | $634,000 | 3,412 |
| Total noninterest income | $468,000 | 4,981 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $178,000 | 5,005 |
| Trading account gains and fees | $182,000 | 103 |
| Additional Noninterest Income | $108,000 | 5,814 |
| Total noninterest expense | $2,021,000 | 6,208 |
| Salaries and employee benefits | $984,000 | 6,451 |
| Premises and equipment expense | $215,000 | 6,546 |
| Additional noninterest expense | $822,000 | 5,406 |
| Pre-tax net operating income | $2,909,000 | 1,846 |
| Securities gains (losses) | $-6,186,000 | 8,117 |
| Applicable income taxes | $-1,148,000 | 7,755 |
| Income before extraordinary items | $-2,129,000 | 7,418 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,129,000 | 7,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 4,425 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,891,900 | 2,213 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,509,000 | 4,417 |
| Total interest expense | $1,704,000 | 5,125 |
| Net interest income | $3,805,000 | 3,929 |
| Provision for loan and lease losses | $634,000 | 2,394 |
| Total noninterest income | $414,000 | 4,741 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $128,000 | 5,120 |
| Trading account gains and fees | $204,000 | 91 |
| Additional Noninterest Income | $82,000 | 5,922 |
| Total noninterest expense | $1,393,000 | 6,406 |
| Salaries and employee benefits | $727,000 | 6,511 |
| Premises and equipment expense | $162,000 | 6,568 |
| Additional noninterest expense | $504,000 | 5,892 |
| Pre-tax net operating income | $2,192,000 | 2,150 |
| Securities gains (losses) | $-5,833,000 | 8,233 |
| Applicable income taxes | $-1,282,000 | 8,108 |
| Income before extraordinary items | $-2,359,000 | 7,928 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,359,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,479 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,432,450 | 2,524 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,650,000 | 4,492 |
| Total interest expense | $1,113,000 | 5,313 |
| Net interest income | $2,537,000 | 3,928 |
| Provision for loan and lease losses | $310,000 | 2,477 |
| Total noninterest income | $325,000 | 4,458 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $82,000 | 5,200 |
| Trading account gains and fees | $203,000 | 86 |
| Additional Noninterest Income | $40,000 | 6,423 |
| Total noninterest expense | $938,000 | 6,425 |
| Salaries and employee benefits | $499,000 | 6,494 |
| Premises and equipment expense | $103,000 | 6,694 |
| Additional noninterest expense | $336,000 | 5,876 |
| Pre-tax net operating income | $1,614,000 | 2,047 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $530,000 | 1,533 |
| Income before extraordinary items | $1,084,000 | 2,410 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,084,000 | 2,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,450 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,084,000 | 2,356 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,674,000 | 4,856 |
| Total interest expense | $524,000 | 5,642 |
| Net interest income | $1,150,000 | 4,215 |
| Provision for loan and lease losses | $190,000 | 1,878 |
| Total noninterest income | $156,000 | 4,526 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $40,000 | 5,234 |
| Trading account gains and fees | $101,000 | 98 |
| Additional Noninterest Income | $15,000 | 6,825 |
| Total noninterest expense | $465,000 | 6,487 |
| Salaries and employee benefits | $253,000 | 6,486 |
| Premises and equipment expense | $50,000 | 6,769 |
| Additional noninterest expense | $162,000 | 5,974 |
| Pre-tax net operating income | $651,000 | 2,553 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $212,000 | 1,891 |
| Income before extraordinary items | $439,000 | 2,986 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $439,000 | 2,988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $439,000 | 2,898 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,801,000 | 5,821 |
| Total interest expense | $1,706,000 | 6,166 |
| Net interest income | $3,095,000 | 5,417 |
| Provision for loan and lease losses | $50,000 | 5,648 |
| Total noninterest income | $123,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $161,000 | 5,307 |
| Trading account gains and fees | $-105,000 | 8,478 |
| Additional Noninterest Income | $67,000 | 6,757 |
| Total noninterest expense | $1,742,000 | 6,557 |
| Salaries and employee benefits | $897,000 | 6,711 |
| Premises and equipment expense | $204,000 | 6,690 |
| Additional noninterest expense | $641,000 | 5,959 |
| Pre-tax net operating income | $1,426,000 | 3,991 |
| Securities gains (losses) | $-8,000 | 7,514 |
| Applicable income taxes | $511,000 | 2,713 |
| Income before extraordinary items | $907,000 | 4,531 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $907,000 | 4,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,483 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $912,120 | 4,508 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,469,000 | 5,952 |
| Total interest expense | $1,266,000 | 6,217 |
| Net interest income | $2,203,000 | 5,591 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $194,000 | 6,361 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $114,000 | 5,417 |
| Trading account gains and fees | $26,000 | 154 |
| Additional Noninterest Income | $54,000 | 6,695 |
| Total noninterest expense | $1,306,000 | 6,549 |
| Salaries and employee benefits | $716,000 | 6,543 |
| Premises and equipment expense | $139,000 | 6,871 |
| Additional noninterest expense | $451,000 | 6,104 |
| Pre-tax net operating income | $1,091,000 | 4,157 |
| Securities gains (losses) | $-8,000 | 7,721 |
| Applicable income taxes | $391,000 | 2,827 |
| Income before extraordinary items | $692,000 | 4,686 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $692,000 | 4,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,346 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $697,120 | 4,661 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 5,958 |
| Total interest expense | $835,000 | 6,278 |
| Net interest income | $1,487,000 | 5,578 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $110,000 | 6,684 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $77,000 | 5,411 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $852,000 | 6,659 |
| Salaries and employee benefits | $460,000 | 6,674 |
| Premises and equipment expense | $80,000 | 7,161 |
| Additional noninterest expense | $312,000 | 6,012 |
| Pre-tax net operating income | $745,000 | 4,178 |
| Securities gains (losses) | $-8,000 | 7,953 |
| Applicable income taxes | $266,000 | 2,886 |
| Income before extraordinary items | $471,000 | 4,684 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $471,000 | 4,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,783 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $476,120 | 4,655 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,159,000 | 5,969 |
| Total interest expense | $403,000 | 6,357 |
| Net interest income | $756,000 | 5,568 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $54,000 | 6,707 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $36,000 | 5,497 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $18,000 | 6,767 |
| Total noninterest expense | $415,000 | 6,741 |
| Salaries and employee benefits | $229,000 | 6,735 |
| Premises and equipment expense | $40,000 | 7,184 |
| Additional noninterest expense | $146,000 | 6,188 |
| Pre-tax net operating income | $395,000 | 4,029 |
| Securities gains (losses) | $-8,000 | 8,229 |
| Applicable income taxes | $140,000 | 2,827 |
| Income before extraordinary items | $247,000 | 4,589 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $247,000 | 4,591 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $252,120 | 4,521 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,835,000 | 5,653 |
| Total interest expense | $1,393,000 | 6,273 |
| Net interest income | $3,442,000 | 5,108 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $231,000 | 6,672 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $145,000 | 5,588 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $86,000 | 6,573 |
| Total noninterest expense | $1,617,000 | 6,702 |
| Salaries and employee benefits | $865,000 | 6,762 |
| Premises and equipment expense | $173,000 | 6,996 |
| Additional noninterest expense | $579,000 | 6,154 |
| Pre-tax net operating income | $2,056,000 | 3,577 |
| Securities gains (losses) | $-82,000 | 8,130 |
| Applicable income taxes | $711,000 | 2,653 |
| Income before extraordinary items | $1,263,000 | 4,176 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,263,000 | 4,176 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,967 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,315,480 | 4,047 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,705,000 | 5,594 |
| Total interest expense | $1,017,000 | 6,286 |
| Net interest income | $2,688,000 | 5,021 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $171,000 | 6,751 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $108,000 | 5,666 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $63,000 | 6,605 |
| Total noninterest expense | $1,210,000 | 6,724 |
| Salaries and employee benefits | $645,000 | 6,766 |
| Premises and equipment expense | $130,000 | 7,022 |
| Additional noninterest expense | $435,000 | 6,165 |
| Pre-tax net operating income | $1,649,000 | 3,560 |
| Securities gains (losses) | $-82,000 | 8,344 |
| Applicable income taxes | $611,000 | 2,571 |
| Income before extraordinary items | $956,000 | 4,277 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $956,000 | 4,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,313 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,008,480 | 4,137 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 5,425 |
| Total interest expense | $668,000 | 6,233 |
| Net interest income | $1,915,000 | 4,844 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $105,000 | 6,903 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $73,000 | 5,645 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $32,000 | 7,029 |
| Total noninterest expense | $807,000 | 6,752 |
| Salaries and employee benefits | $412,000 | 6,911 |
| Premises and equipment expense | $87,000 | 7,034 |
| Additional noninterest expense | $308,000 | 6,003 |
| Pre-tax net operating income | $1,213,000 | 3,335 |
| Securities gains (losses) | $-87,000 | 8,509 |
| Applicable income taxes | $439,000 | 2,482 |
| Income before extraordinary items | $687,000 | 4,118 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $687,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 3,501 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $742,680 | 3,902 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,536,000 | 4,832 |
| Total interest expense | $360,000 | 5,966 |
| Net interest income | $1,176,000 | 4,208 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $53,000 | 6,846 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $34,000 | 5,706 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $399,000 | 6,779 |
| Salaries and employee benefits | $207,000 | 6,903 |
| Premises and equipment expense | $41,000 | 7,158 |
| Additional noninterest expense | $151,000 | 6,040 |
| Pre-tax net operating income | $830,000 | 2,630 |
| Securities gains (losses) | $-87,000 | 8,642 |
| Applicable income taxes | $290,000 | 2,069 |
| Income before extraordinary items | $453,000 | 3,400 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $453,000 | 3,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $508,680 | 3,096 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,264,000 | 5,634 |
| Total interest expense | $1,101,000 | 6,044 |
| Net interest income | $3,163,000 | 5,338 |
| Provision for loan and lease losses | $50,000 | 5,734 |
| Total noninterest income | $253,000 | 6,654 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $158,000 | 5,526 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $95,000 | 6,482 |
| Total noninterest expense | $1,523,000 | 6,843 |
| Salaries and employee benefits | $770,000 | 7,019 |
| Premises and equipment expense | $190,000 | 6,821 |
| Additional noninterest expense | $563,000 | 6,241 |
| Pre-tax net operating income | $1,843,000 | 3,883 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $717,000 | 2,773 |
| Income before extraordinary items | $1,126,000 | 4,507 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,126,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,996 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,126,000 | 4,454 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,987,000 | 5,811 |
| Total interest expense | $735,000 | 6,231 |
| Net interest income | $2,252,000 | 5,523 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $180,000 | 6,783 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $118,000 | 5,565 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $62,000 | 6,714 |
| Total noninterest expense | $1,134,000 | 6,874 |
| Salaries and employee benefits | $574,000 | 7,030 |
| Premises and equipment expense | $145,000 | 6,792 |
| Additional noninterest expense | $415,000 | 6,266 |
| Pre-tax net operating income | $1,298,000 | 4,123 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $505,000 | 2,915 |
| Income before extraordinary items | $793,000 | 4,780 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $793,000 | 4,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 7,879 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $793,000 | 4,749 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,014,000 | 5,726 |
| Total interest expense | $453,000 | 6,295 |
| Net interest income | $1,561,000 | 5,367 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $116,000 | 6,819 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $79,000 | 5,503 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $37,000 | 6,911 |
| Total noninterest expense | $786,000 | 6,777 |
| Salaries and employee benefits | $395,000 | 6,952 |
| Premises and equipment expense | $102,000 | 6,659 |
| Additional noninterest expense | $289,000 | 6,112 |
| Pre-tax net operating income | $891,000 | 4,019 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $347,000 | 2,835 |
| Income before extraordinary items | $544,000 | 4,682 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $544,000 | 4,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,385 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $544,000 | 4,627 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $996,000 | 5,746 |
| Total interest expense | $209,000 | 6,428 |
| Net interest income | $787,000 | 5,371 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $61,000 | 6,717 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $38,000 | 5,561 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $23,000 | 6,629 |
| Total noninterest expense | $391,000 | 6,833 |
| Salaries and employee benefits | $198,000 | 7,005 |
| Premises and equipment expense | $50,000 | 6,770 |
| Additional noninterest expense | $143,000 | 6,156 |
| Pre-tax net operating income | $457,000 | 3,919 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $179,000 | 2,775 |
| Income before extraordinary items | $278,000 | 4,581 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $278,000 | 4,582 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $278,000 | 4,538 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,217,000 | 6,224 |
| Total interest expense | $474,000 | 7,403 |
| Net interest income | $2,743,000 | 5,710 |
| Provision for loan and lease losses | $207,000 | 3,624 |
| Total noninterest income | $207,000 | 7,093 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $157,000 | 5,693 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $50,000 | 7,418 |
| Total noninterest expense | $1,453,000 | 6,964 |
| Salaries and employee benefits | $741,000 | 7,145 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $511,000 | 6,477 |
| Pre-tax net operating income | $1,290,000 | 4,603 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $402,000 | 3,719 |
| Income before extraordinary items | $888,000 | 5,012 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $888,000 | 5,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-64,000 | 8,724 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $888,000 | 4,939 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,337,000 | 6,322 |
| Total interest expense | $320,000 | 7,601 |
| Net interest income | $2,017,000 | 5,771 |
| Provision for loan and lease losses | $107,000 | 4,172 |
| Total noninterest income | $159,000 | 7,074 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $117,000 | 5,757 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $42,000 | 7,283 |
| Total noninterest expense | $1,100,000 | 6,919 |
| Salaries and employee benefits | $574,000 | 7,009 |
| Premises and equipment expense | $153,000 | 6,680 |
| Additional noninterest expense | $373,000 | 6,534 |
| Pre-tax net operating income | $969,000 | 4,681 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $377,000 | 3,410 |
| Income before extraordinary items | $592,000 | 5,400 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $592,000 | 5,400 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 8,534 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $592,000 | 5,316 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,389,000 | 6,694 |
| Total interest expense | $181,000 | 7,929 |
| Net interest income | $1,208,000 | 6,130 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $104,000 | 7,155 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $76,000 | 5,812 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $28,000 | 7,329 |
| Total noninterest expense | $716,000 | 7,022 |
| Salaries and employee benefits | $373,000 | 7,127 |
| Premises and equipment expense | $101,000 | 6,751 |
| Additional noninterest expense | $242,000 | 6,633 |
| Pre-tax net operating income | $596,000 | 4,852 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $232,000 | 3,513 |
| Income before extraordinary items | $364,000 | 5,571 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $364,000 | 5,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,391 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $364,000 | 5,480 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $658,000 | 6,865 |
| Total interest expense | $87,000 | 8,051 |
| Net interest income | $571,000 | 6,309 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $50,000 | 7,209 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $35,000 | 5,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $15,000 | 7,252 |
| Total noninterest expense | $356,000 | 7,079 |
| Salaries and employee benefits | $188,000 | 7,149 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $121,000 | 6,647 |
| Pre-tax net operating income | $265,000 | 5,118 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $102,000 | 3,757 |
| Income before extraordinary items | $163,000 | 5,812 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $163,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $163,000 | 5,689 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,647,000 | 6,890 |
| Total interest expense | $445,000 | 7,954 |
| Net interest income | $2,202,000 | 6,315 |
| Provision for loan and lease losses | $35,000 | 6,678 |
| Total noninterest income | $205,000 | 7,313 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $157,000 | 5,772 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $48,000 | 7,613 |
| Total noninterest expense | $1,485,000 | 6,912 |
| Salaries and employee benefits | $782,000 | 6,975 |
| Premises and equipment expense | $194,000 | 6,854 |
| Additional noninterest expense | $509,000 | 6,513 |
| Pre-tax net operating income | $887,000 | 5,458 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $343,000 | 4,071 |
| Income before extraordinary items | $544,000 | 6,160 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $544,000 | 6,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 4,473 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $544,000 | 6,011 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,999,000 | 6,951 |
| Total interest expense | $358,000 | 7,974 |
| Net interest income | $1,641,000 | 6,371 |
| Provision for loan and lease losses | $35,000 | 6,280 |
| Total noninterest income | $157,000 | 7,311 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $121,000 | 5,773 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 7,634 |
| Total noninterest expense | $1,115,000 | 6,909 |
| Salaries and employee benefits | $577,000 | 7,015 |
| Premises and equipment expense | $149,000 | 6,801 |
| Additional noninterest expense | $389,000 | 6,421 |
| Pre-tax net operating income | $648,000 | 5,700 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $249,000 | 4,285 |
| Income before extraordinary items | $399,000 | 6,362 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $399,000 | 6,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,639 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $399,000 | 6,183 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,354,000 | 6,953 |
| Total interest expense | $258,000 | 7,950 |
| Net interest income | $1,096,000 | 6,373 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $99,000 | 7,422 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $81,000 | 5,739 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $18,000 | 7,952 |
| Total noninterest expense | $745,000 | 6,927 |
| Salaries and employee benefits | $386,000 | 7,029 |
| Premises and equipment expense | $92,000 | 6,967 |
| Additional noninterest expense | $267,000 | 6,335 |
| Pre-tax net operating income | $450,000 | 5,575 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $171,000 | 4,268 |
| Income before extraordinary items | $279,000 | 6,267 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $279,000 | 6,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $279,000 | 6,059 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $686,000 | 6,959 |
| Total interest expense | $139,000 | 7,898 |
| Net interest income | $547,000 | 6,372 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $51,000 | 7,328 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $41,000 | 5,632 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $10,000 | 7,893 |
| Total noninterest expense | $366,000 | 7,000 |
| Salaries and employee benefits | $189,000 | 7,111 |
| Premises and equipment expense | $41,000 | 7,269 |
| Additional noninterest expense | $136,000 | 6,282 |
| Pre-tax net operating income | $232,000 | 5,470 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $89,000 | 4,165 |
| Income before extraordinary items | $143,000 | 6,125 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $143,000 | 6,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,250 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $143,000 | 5,947 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,008,000 | 6,858 |
| Total interest expense | $731,000 | 7,723 |
| Net interest income | $2,277,000 | 6,204 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $219,000 | 7,119 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $162,000 | 5,679 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $57,000 | 7,426 |
| Total noninterest expense | $1,336,000 | 7,164 |
| Salaries and employee benefits | $693,000 | 7,295 |
| Premises and equipment expense | $167,000 | 7,209 |
| Additional noninterest expense | $476,000 | 6,643 |
| Pre-tax net operating income | $920,000 | 5,419 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $356,000 | 4,119 |
| Income before extraordinary items | $564,000 | 6,128 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $564,000 | 6,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $263,000 | 2,573 |
| Cash dividends | $1,000,000 | 2,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $564,000 | 5,971 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,393,000 | 6,853 |
| Total interest expense | $1,245,000 | 7,521 |
| Net interest income | $2,148,000 | 6,205 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $178,000 | 7,540 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $164,000 | 5,607 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $14,000 | 8,971 |
| Total noninterest expense | $1,216,000 | 7,414 |
| Salaries and employee benefits | $636,000 | 7,496 |
| Premises and equipment expense | $150,000 | 7,511 |
| Additional noninterest expense | $430,000 | 6,924 |
| Pre-tax net operating income | $1,110,000 | 4,629 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $431,000 | 3,592 |
| Income before extraordinary items | $679,000 | 5,301 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $679,000 | 5,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,166 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $679,000 | 5,181 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,307,000 | 7,100 |
| Total interest expense | $1,197,000 | 7,808 |
| Net interest income | $2,110,000 | 6,402 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $170,000 | 7,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $123,000 | 6,179 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 7,934 |
| Total noninterest expense | $1,137,000 | 7,650 |
| Salaries and employee benefits | $519,000 | 8,156 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $417,000 | 7,017 |
| Pre-tax net operating income | $1,143,000 | 4,865 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $433,000 | 3,818 |
| Income before extraordinary items | $710,000 | 5,381 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $710,000 | 5,381 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $710,000 | 5,388 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,933,000 | 7,455 |
| Total interest expense | $974,000 | 8,240 |
| Net interest income | $1,959,000 | 6,718 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $186,000 | 7,653 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,031 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 8,163 |
| Total noninterest expense | $1,137,000 | 7,733 |
| Salaries and employee benefits | $523,000 | 8,202 |
| Premises and equipment expense | $197,000 | 6,860 |
| Additional noninterest expense | $417,000 | 7,132 |
| Pre-tax net operating income | $1,008,000 | 5,291 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $383,000 | 4,275 |
| Income before extraordinary items | $625,000 | 5,781 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $625,000 | 5,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,803 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $625,000 | 5,746 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,014,000 | 7,513 |
| Total interest expense | $915,000 | 8,649 |
| Net interest income | $2,099,000 | 6,493 |
| Provision for loan and lease losses | $100,000 | 5,089 |
| Total noninterest income | $222,000 | 7,312 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $144,000 | 6,032 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 7,242 |
| Total noninterest expense | $1,105,000 | 7,812 |
| Salaries and employee benefits | $512,000 | 8,281 |
| Premises and equipment expense | $177,000 | 7,107 |
| Additional noninterest expense | $416,000 | 7,090 |
| Pre-tax net operating income | $1,116,000 | 5,103 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $392,000 | 4,475 |
| Income before extraordinary items | $724,000 | 5,508 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $724,000 | 5,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $724,000 | 5,399 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,513,000 | 8,357 |
| Total interest expense | $830,000 | 9,164 |
| Net interest income | $1,683,000 | 7,592 |
| Provision for loan and lease losses | $100,000 | 5,146 |
| Total noninterest income | $184,000 | 8,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,310 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $42,000 | 8,774 |
| Total noninterest expense | $1,092,000 | 8,029 |
| Salaries and employee benefits | $535,000 | 8,361 |
| Premises and equipment expense | $138,000 | 8,064 |
| Additional noninterest expense | $419,000 | 7,201 |
| Pre-tax net operating income | $675,000 | 7,082 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $257,000 | 6,188 |
| Income before extraordinary items | $418,000 | 7,522 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $418,000 | 7,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $418,000 | 7,466 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,582,000 | 8,589 |
| Total interest expense | $832,000 | 9,547 |
| Net interest income | $1,750,000 | 7,666 |
| Provision for loan and lease losses | $72,000 | 5,782 |
| Total noninterest income | $228,000 | 7,869 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $142,000 | 6,615 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $86,000 | 7,551 |
| Total noninterest expense | $968,000 | 8,782 |
| Salaries and employee benefits | $469,000 | 9,113 |
| Premises and equipment expense | $81,000 | 9,791 |
| Additional noninterest expense | $418,000 | 7,731 |
| Pre-tax net operating income | $938,000 | 5,964 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $315,000 | 5,673 |
| Income before extraordinary items | $623,000 | 6,132 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $623,000 | 6,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $623,000 | 6,079 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,737,000 | 10,108 |
| Total interest expense | $592,000 | 10,694 |
| Net interest income | $1,145,000 | 9,494 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $222,000 | 8,104 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,895 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 7,842 |
| Total noninterest expense | $800,000 | 9,773 |
| Salaries and employee benefits | $362,000 | 10,237 |
| Premises and equipment expense | $76,000 | 10,320 |
| Additional noninterest expense | $362,000 | 8,577 |
| Pre-tax net operating income | $567,000 | 8,065 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $192,000 | 7,562 |
| Income before extraordinary items | $375,000 | 8,270 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $375,000 | 8,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,105 |
| Cash dividends | $887,000 | 2,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $375,000 | 8,260 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,505,000 | 10,724 |
| Total interest expense | $546,000 | 10,871 |
| Net interest income | $959,000 | 10,523 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $241,000 | 8,072 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,011 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $96,000 | 7,636 |
| Total noninterest expense | $893,000 | 9,800 |
| Salaries and employee benefits | $373,000 | 10,519 |
| Premises and equipment expense | $77,000 | 10,744 |
| Additional noninterest expense | $443,000 | 8,382 |
| Pre-tax net operating income | $307,000 | 10,088 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $102,000 | 9,321 |
| Income before extraordinary items | $205,000 | 10,214 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $205,000 | 10,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,944 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $205,000 | 10,263 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,486,000 | 11,270 |
| Total interest expense | $547,000 | 11,434 |
| Net interest income | $939,000 | 11,001 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $257,000 | 8,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $84,000 | 8,884 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $173,000 | 6,106 |
| Total noninterest expense | $857,000 | 10,404 |
| Salaries and employee benefits | $379,000 | 10,848 |
| Premises and equipment expense | $72,000 | 11,428 |
| Additional noninterest expense | $406,000 | 9,204 |
| Pre-tax net operating income | $339,000 | 9,905 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $30,000 | 11,384 |
| Income before extraordinary items | $309,000 | 9,379 |
| Extraordinary gains, net | $-65,000 | 12,801 |
| Net income | $244,000 | 10,261 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $153,000 | 3,626 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $309,000 | 9,114 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 11,580 |
| Total interest expense | $755,000 | 11,547 |
| Net interest income | $912,000 | 11,459 |
| Provision for loan and lease losses | $2,000 | 11,664 |
| Total noninterest income | $239,000 | 8,691 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $145,000 | 7,235 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 8,290 |
| Total noninterest expense | $830,000 | 10,858 |
| Salaries and employee benefits | $350,000 | 11,434 |
| Premises and equipment expense | $87,000 | 11,223 |
| Additional noninterest expense | $393,000 | 9,643 |
| Pre-tax net operating income | $319,000 | 9,951 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $106,000 | 9,741 |
| Income before extraordinary items | $213,000 | 10,424 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $213,000 | 10,559 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $213,000 | 10,066 |
* 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.