Home > Citizens National Bank of Springfield > Income and Expense
Citizens National Bank of Springfield, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,349,000 | 2,754 |
| Total interest expense | $3,864,000 | 1,677 |
| Net interest income | $4,485,000 | 3,527 |
| Provision for loan and lease losses | $1,600,000 | 1,899 |
| Total noninterest income | $-1,429,000 | 7,711 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $368,000 | 2,743 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,797,000 | 7,702 |
| Total noninterest expense | $5,157,000 | 2,769 |
| Salaries and employee benefits | $2,824,000 | 2,573 |
| Premises and equipment expense | $519,000 | 3,372 |
| Additional noninterest expense | $1,814,000 | 2,713 |
| Pre-tax net operating income | $-3,701,000 | 7,276 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-8,000 | 6,828 |
| Income before extraordinary items | $-3,693,000 | 7,336 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-3,693,000 | 7,336 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-3,693,000 | 7,336 |
| Net charge-offs | $2,254,000 | 1,398 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-3,693,000 | 7,325 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,866,000 | 2,647 |
| Total interest expense | $2,707,000 | 1,665 |
| Net interest income | $3,159,000 | 3,401 |
| Provision for loan and lease losses | $1,600,000 | 1,453 |
| Total noninterest income | $-117,000 | 7,652 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $248,000 | 2,732 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-365,000 | 7,677 |
| Total noninterest expense | $3,577,000 | 2,680 |
| Salaries and employee benefits | $1,981,000 | 2,451 |
| Premises and equipment expense | $353,000 | 3,346 |
| Additional noninterest expense | $1,243,000 | 2,633 |
| Pre-tax net operating income | $-2,135,000 | 7,297 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $4,000 | 4,358 |
| Income before extraordinary items | $-2,139,000 | 7,355 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-2,139,000 | 7,355 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-2,139,000 | 7,355 |
| Net charge-offs | $1,400,000 | 1,430 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-2,139,000 | 7,350 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,030,000 | 2,615 |
| Total interest expense | $1,420,000 | 1,664 |
| Net interest income | $1,610,000 | 3,361 |
| Provision for loan and lease losses | $1,600,000 | 858 |
| Total noninterest income | $-206,000 | 7,842 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $125,000 | 2,714 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-331,000 | 7,844 |
| Total noninterest expense | $1,802,000 | 2,693 |
| Salaries and employee benefits | $1,006,000 | 2,461 |
| Premises and equipment expense | $181,000 | 3,375 |
| Additional noninterest expense | $615,000 | 2,655 |
| Pre-tax net operating income | $-1,998,000 | 7,596 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-2,000 | 7,013 |
| Income before extraordinary items | $-1,996,000 | 7,648 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,996,000 | 7,650 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,996,000 | 7,650 |
| Net charge-offs | $1,081,000 | 988 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,996,000 | 7,643 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,664,000 | 2,150 |
| Total interest expense | $8,203,000 | 1,458 |
| Net interest income | $7,461,000 | 2,901 |
| Provision for loan and lease losses | $7,314,000 | 1,091 |
| Total noninterest income | $969,000 | 3,401 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $654,000 | 2,382 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $315,000 | 3,915 |
| Total noninterest expense | $9,069,000 | 2,192 |
| Salaries and employee benefits | $4,582,000 | 2,142 |
| Premises and equipment expense | $743,000 | 3,310 |
| Additional noninterest expense | $3,744,000 | 1,958 |
| Pre-tax net operating income | $-7,953,000 | 7,401 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $55,000 | 3,210 |
| Income before extraordinary items | $-8,008,000 | 7,487 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-8,008,000 | 7,485 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-8,008,000 | 7,486 |
| Net charge-offs | $5,197,000 | 1,112 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-8,008,000 | 7,494 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,349,000 | 2,100 |
| Total interest expense | $6,539,000 | 1,443 |
| Net interest income | $5,810,000 | 2,820 |
| Provision for loan and lease losses | $7,114,000 | 809 |
| Total noninterest income | $1,233,000 | 2,455 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $504,000 | 2,339 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $729,000 | 2,243 |
| Total noninterest expense | $6,800,000 | 2,191 |
| Salaries and employee benefits | $3,384,000 | 2,194 |
| Premises and equipment expense | $565,000 | 3,332 |
| Additional noninterest expense | $2,851,000 | 1,868 |
| Pre-tax net operating income | $-6,871,000 | 7,613 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $55,000 | 3,272 |
| Income before extraordinary items | $-6,926,000 | 7,687 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,926,000 | 7,686 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,926,000 | 7,686 |
| Net charge-offs | $4,456,000 | 892 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-6,926,000 | 7,692 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,714,000 | 2,008 |
| Total interest expense | $4,610,000 | 1,445 |
| Net interest income | $4,104,000 | 2,646 |
| Provision for loan and lease losses | $6,619,000 | 611 |
| Total noninterest income | $887,000 | 2,367 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $344,000 | 2,270 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $543,000 | 2,110 |
| Total noninterest expense | $4,590,000 | 2,186 |
| Salaries and employee benefits | $2,279,000 | 2,213 |
| Premises and equipment expense | $383,000 | 3,299 |
| Additional noninterest expense | $1,928,000 | 1,863 |
| Pre-tax net operating income | $-6,218,000 | 7,801 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $55,000 | 3,087 |
| Income before extraordinary items | $-6,273,000 | 7,856 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-6,273,000 | 7,855 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-6,273,000 | 7,855 |
| Net charge-offs | $2,210,000 | 1,058 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-6,273,000 | 7,866 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,474,000 | 1,988 |
| Total interest expense | $2,401,000 | 1,439 |
| Net interest income | $2,073,000 | 2,615 |
| Provision for loan and lease losses | $1,150,000 | 1,087 |
| Total noninterest income | $403,000 | 2,496 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $171,000 | 2,226 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $232,000 | 2,304 |
| Total noninterest expense | $1,943,000 | 2,488 |
| Salaries and employee benefits | $1,139,000 | 2,233 |
| Premises and equipment expense | $193,000 | 3,319 |
| Additional noninterest expense | $611,000 | 2,520 |
| Pre-tax net operating income | $-617,000 | 7,430 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-617,000 | 7,538 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-617,000 | 7,539 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-617,000 | 7,539 |
| Net charge-offs | $427,000 | 1,479 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-617,000 | 7,520 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $19,608,000 | 1,954 |
| Total interest expense | $10,898,000 | 1,491 |
| Net interest income | $8,710,000 | 2,492 |
| Provision for loan and lease losses | $3,150,000 | 1,340 |
| Total noninterest income | $1,562,000 | 2,549 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $771,000 | 2,192 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $791,000 | 2,467 |
| Total noninterest expense | $7,198,000 | 2,620 |
| Salaries and employee benefits | $4,359,000 | 2,323 |
| Premises and equipment expense | $777,000 | 3,251 |
| Additional noninterest expense | $2,062,000 | 2,795 |
| Pre-tax net operating income | $-76,000 | 6,428 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $82,000 | 3,546 |
| Income before extraordinary items | $-158,000 | 6,431 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-158,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,017,000 | 1,942 |
| Cash dividends | $1,700,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-158,000 | 6,583 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,875,000 | 1,967 |
| Total interest expense | $8,331,000 | 1,517 |
| Net interest income | $6,544,000 | 2,513 |
| Provision for loan and lease losses | $2,750,000 | 953 |
| Total noninterest income | $1,210,000 | 2,564 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $577,000 | 2,205 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $633,000 | 2,459 |
| Total noninterest expense | $5,356,000 | 2,634 |
| Salaries and employee benefits | $3,266,000 | 2,351 |
| Premises and equipment expense | $602,000 | 3,189 |
| Additional noninterest expense | $1,488,000 | 2,787 |
| Pre-tax net operating income | $-352,000 | 7,155 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $83,000 | 3,748 |
| Income before extraordinary items | $-435,000 | 7,135 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-435,000 | 7,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $721,000 | 1,585 |
| Cash dividends | $1,300,000 | 1,485 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-435,000 | 7,273 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,048,000 | 1,978 |
| Total interest expense | $5,747,000 | 1,528 |
| Net interest income | $4,301,000 | 2,544 |
| Provision for loan and lease losses | $240,000 | 2,857 |
| Total noninterest income | $815,000 | 2,585 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $376,000 | 2,228 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $439,000 | 2,439 |
| Total noninterest expense | $3,555,000 | 2,639 |
| Salaries and employee benefits | $2,171,000 | 2,374 |
| Premises and equipment expense | $410,000 | 3,149 |
| Additional noninterest expense | $974,000 | 2,807 |
| Pre-tax net operating income | $1,321,000 | 2,440 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $70,000 | 3,792 |
| Income before extraordinary items | $1,251,000 | 2,116 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,251,000 | 2,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,075 |
| Cash dividends | $1,000,000 | 1,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,251,000 | 2,062 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,229,000 | 1,945 |
| Total interest expense | $2,976,000 | 1,578 |
| Net interest income | $2,253,000 | 2,436 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $395,000 | 2,623 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $178,000 | 2,282 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $217,000 | 2,456 |
| Total noninterest expense | $1,831,000 | 2,573 |
| Salaries and employee benefits | $1,145,000 | 2,299 |
| Premises and equipment expense | $209,000 | 3,109 |
| Additional noninterest expense | $477,000 | 2,834 |
| Pre-tax net operating income | $817,000 | 2,116 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $817,000 | 1,779 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $817,000 | 1,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 1,294 |
| Cash dividends | $750,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $817,000 | 1,715 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,646,000 | 1,798 |
| Total interest expense | $12,585,000 | 1,596 |
| Net interest income | $11,061,000 | 2,052 |
| Provision for loan and lease losses | $324,000 | 3,058 |
| Total noninterest income | $1,756,000 | 2,424 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $672,000 | 2,444 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,084,000 | 2,114 |
| Total noninterest expense | $7,024,000 | 2,588 |
| Salaries and employee benefits | $4,515,000 | 2,228 |
| Premises and equipment expense | $778,000 | 3,152 |
| Additional noninterest expense | $1,731,000 | 3,042 |
| Pre-tax net operating income | $5,469,000 | 1,522 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $910,000 | 1,972 |
| Income before extraordinary items | $4,559,000 | 1,417 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,559,000 | 1,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,919 |
| Cash dividends | $1,800,000 | 1,745 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $4,559,000 | 1,401 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,863,000 | 1,792 |
| Total interest expense | $9,406,000 | 1,600 |
| Net interest income | $8,457,000 | 2,027 |
| Provision for loan and lease losses | $324,000 | 2,198 |
| Total noninterest income | $1,257,000 | 2,508 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $472,000 | 2,566 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $785,000 | 2,150 |
| Total noninterest expense | $5,188,000 | 2,601 |
| Salaries and employee benefits | $3,386,000 | 2,224 |
| Premises and equipment expense | $582,000 | 3,141 |
| Additional noninterest expense | $1,220,000 | 3,148 |
| Pre-tax net operating income | $4,202,000 | 1,606 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $910,000 | 1,746 |
| Income before extraordinary items | $3,292,000 | 1,539 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,292,000 | 1,537 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $127,000 | 2,535 |
| Cash dividends | $1,100,000 | 1,854 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,292,000 | 1,531 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,731,000 | 1,839 |
| Total interest expense | $6,090,000 | 1,651 |
| Net interest income | $5,641,000 | 2,053 |
| Provision for loan and lease losses | $216,000 | 2,044 |
| Total noninterest income | $850,000 | 2,483 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $308,000 | 2,598 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $542,000 | 2,131 |
| Total noninterest expense | $3,423,000 | 2,647 |
| Salaries and employee benefits | $2,245,000 | 2,279 |
| Premises and equipment expense | $390,000 | 3,148 |
| Additional noninterest expense | $788,000 | 3,233 |
| Pre-tax net operating income | $2,852,000 | 1,616 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $910,000 | 1,360 |
| Income before extraordinary items | $1,942,000 | 1,780 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,942,000 | 1,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $525,000 | 2,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,942,000 | 1,767 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,721,000 | 1,872 |
| Total interest expense | $2,947,000 | 1,692 |
| Net interest income | $2,774,000 | 2,095 |
| Provision for loan and lease losses | $108,000 | 1,911 |
| Total noninterest income | $368,000 | 2,714 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $145,000 | 2,663 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $223,000 | 2,388 |
| Total noninterest expense | $1,701,000 | 2,674 |
| Salaries and employee benefits | $1,126,000 | 2,283 |
| Premises and equipment expense | $193,000 | 3,208 |
| Additional noninterest expense | $382,000 | 3,302 |
| Pre-tax net operating income | $1,333,000 | 1,709 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $910,000 | 785 |
| Income before extraordinary items | $423,000 | 3,364 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $423,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,890 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $423,000 | 3,340 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,612,000 | 1,925 |
| Total interest expense | $9,793,000 | 1,711 |
| Net interest income | $10,819,000 | 2,147 |
| Provision for loan and lease losses | $480,000 | 1,962 |
| Total noninterest income | $1,459,000 | 2,749 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $565,000 | 2,805 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $894,000 | 2,400 |
| Total noninterest expense | $6,467,000 | 2,700 |
| Salaries and employee benefits | $4,235,000 | 2,319 |
| Premises and equipment expense | $760,000 | 3,126 |
| Additional noninterest expense | $1,472,000 | 3,336 |
| Pre-tax net operating income | $5,331,000 | 1,788 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,790,000 | 1,450 |
| Income before extraordinary items | $3,541,000 | 1,999 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,541,000 | 2,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 3,850 |
| Cash dividends | $575,000 | 3,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,541,000 | 1,986 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,927,000 | 1,977 |
| Total interest expense | $6,948,000 | 1,764 |
| Net interest income | $7,979,000 | 2,186 |
| Provision for loan and lease losses | $360,000 | 1,848 |
| Total noninterest income | $1,091,000 | 2,764 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $420,000 | 2,846 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $671,000 | 2,378 |
| Total noninterest expense | $4,834,000 | 2,710 |
| Salaries and employee benefits | $3,156,000 | 2,334 |
| Premises and equipment expense | $572,000 | 3,123 |
| Additional noninterest expense | $1,106,000 | 3,346 |
| Pre-tax net operating income | $3,876,000 | 1,900 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,306,000 | 1,538 |
| Income before extraordinary items | $2,570,000 | 2,111 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,570,000 | 2,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,110 |
| Cash dividends | $575,000 | 2,743 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,570,000 | 2,096 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,494,000 | 2,028 |
| Total interest expense | $4,302,000 | 1,790 |
| Net interest income | $5,192,000 | 2,260 |
| Provision for loan and lease losses | $240,000 | 1,809 |
| Total noninterest income | $726,000 | 2,766 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $276,000 | 2,859 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $450,000 | 2,353 |
| Total noninterest expense | $3,227,000 | 2,725 |
| Salaries and employee benefits | $2,103,000 | 2,339 |
| Premises and equipment expense | $379,000 | 3,131 |
| Additional noninterest expense | $745,000 | 3,312 |
| Pre-tax net operating income | $2,451,000 | 1,985 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $838,000 | 1,605 |
| Income before extraordinary items | $1,613,000 | 2,206 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,613,000 | 2,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 2,531 |
| Cash dividends | $450,000 | 2,520 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,613,000 | 2,192 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,528,000 | 2,079 |
| Total interest expense | $2,008,000 | 1,815 |
| Net interest income | $2,520,000 | 2,310 |
| Provision for loan and lease losses | $120,000 | 1,730 |
| Total noninterest income | $349,000 | 2,789 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $130,000 | 2,909 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $219,000 | 2,360 |
| Total noninterest expense | $1,612,000 | 2,716 |
| Salaries and employee benefits | $1,047,000 | 2,351 |
| Premises and equipment expense | $189,000 | 3,151 |
| Additional noninterest expense | $376,000 | 3,284 |
| Pre-tax net operating income | $1,137,000 | 2,067 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $381,000 | 1,720 |
| Income before extraordinary items | $756,000 | 2,308 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $756,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 1,457 |
| Cash dividends | $325,000 | 1,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $756,000 | 2,283 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,670,000 | 2,268 |
| Total interest expense | $5,745,000 | 1,958 |
| Net interest income | $8,925,000 | 2,452 |
| Provision for loan and lease losses | $600,000 | 1,622 |
| Total noninterest income | $1,333,000 | 2,902 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $589,000 | 2,698 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $744,000 | 2,658 |
| Total noninterest expense | $5,930,000 | 2,781 |
| Salaries and employee benefits | $3,740,000 | 2,443 |
| Premises and equipment expense | $667,000 | 3,362 |
| Additional noninterest expense | $1,523,000 | 3,193 |
| Pre-tax net operating income | $3,728,000 | 2,337 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,205,000 | 2,004 |
| Income before extraordinary items | $2,523,000 | 2,584 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,523,000 | 2,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,461 |
| Cash dividends | $510,000 | 3,595 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,523,000 | 2,562 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,513,000 | 2,311 |
| Total interest expense | $4,039,000 | 1,976 |
| Net interest income | $6,474,000 | 2,505 |
| Provision for loan and lease losses | $450,000 | 1,533 |
| Total noninterest income | $967,000 | 2,976 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $430,000 | 2,751 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $537,000 | 2,742 |
| Total noninterest expense | $4,313,000 | 2,827 |
| Salaries and employee benefits | $2,748,000 | 2,454 |
| Premises and equipment expense | $482,000 | 3,442 |
| Additional noninterest expense | $1,083,000 | 3,299 |
| Pre-tax net operating income | $2,678,000 | 2,438 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $868,000 | 2,088 |
| Income before extraordinary items | $1,810,000 | 2,684 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,810,000 | 2,685 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,742 |
| Cash dividends | $410,000 | 3,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,810,000 | 2,649 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,684,000 | 2,359 |
| Total interest expense | $2,493,000 | 1,994 |
| Net interest income | $4,191,000 | 2,548 |
| Provision for loan and lease losses | $300,000 | 1,505 |
| Total noninterest income | $620,000 | 3,020 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $281,000 | 2,747 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $339,000 | 2,837 |
| Total noninterest expense | $2,758,000 | 2,929 |
| Salaries and employee benefits | $1,776,000 | 2,513 |
| Premises and equipment expense | $298,000 | 3,648 |
| Additional noninterest expense | $684,000 | 3,424 |
| Pre-tax net operating income | $1,753,000 | 2,415 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $579,000 | 2,060 |
| Income before extraordinary items | $1,174,000 | 2,703 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,174,000 | 2,703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $320,000 | 2,836 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,174,000 | 2,662 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,160,000 | 2,450 |
| Total interest expense | $1,141,000 | 2,069 |
| Net interest income | $2,019,000 | 2,621 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $289,000 | 3,138 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $131,000 | 2,833 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $158,000 | 2,881 |
| Total noninterest expense | $1,364,000 | 2,957 |
| Salaries and employee benefits | $880,000 | 2,547 |
| Premises and equipment expense | $147,000 | 3,704 |
| Additional noninterest expense | $337,000 | 3,467 |
| Pre-tax net operating income | $794,000 | 2,592 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $259,000 | 2,214 |
| Income before extraordinary items | $535,000 | 2,889 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $535,000 | 2,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,095 |
| Cash dividends | $230,000 | 2,058 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $535,000 | 2,836 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,346,000 | 2,525 |
| Total interest expense | $4,357,000 | 1,869 |
| Net interest income | $6,989,000 | 2,885 |
| Provision for loan and lease losses | $680,000 | 1,487 |
| Total noninterest income | $1,210,000 | 3,108 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $548,000 | 2,933 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $662,000 | 2,812 |
| Total noninterest expense | $5,001,000 | 3,118 |
| Salaries and employee benefits | $3,189,000 | 2,692 |
| Premises and equipment expense | $589,000 | 3,583 |
| Additional noninterest expense | $1,223,000 | 3,683 |
| Pre-tax net operating income | $2,518,000 | 2,990 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $797,000 | 2,541 |
| Income before extraordinary items | $1,721,000 | 3,278 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,721,000 | 3,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $503,000 | 1,334 |
| Cash dividends | $490,000 | 3,600 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,721,000 | 3,208 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,324,000 | 2,536 |
| Total interest expense | $3,236,000 | 1,849 |
| Net interest income | $5,088,000 | 2,949 |
| Provision for loan and lease losses | $330,000 | 2,085 |
| Total noninterest income | $930,000 | 3,084 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $434,000 | 2,798 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $496,000 | 2,823 |
| Total noninterest expense | $3,734,000 | 3,097 |
| Salaries and employee benefits | $2,384,000 | 2,678 |
| Premises and equipment expense | $448,000 | 3,555 |
| Additional noninterest expense | $902,000 | 3,711 |
| Pre-tax net operating income | $1,954,000 | 2,944 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $623,000 | 2,502 |
| Income before extraordinary items | $1,331,000 | 3,279 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,331,000 | 3,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 1,875 |
| Cash dividends | $415,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,331,000 | 3,201 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,464,000 | 2,558 |
| Total interest expense | $2,161,000 | 1,835 |
| Net interest income | $3,303,000 | 3,022 |
| Provision for loan and lease losses | $190,000 | 2,297 |
| Total noninterest income | $624,000 | 3,088 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $288,000 | 2,804 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $336,000 | 2,804 |
| Total noninterest expense | $2,484,000 | 3,114 |
| Salaries and employee benefits | $1,589,000 | 2,686 |
| Premises and equipment expense | $300,000 | 3,547 |
| Additional noninterest expense | $595,000 | 3,769 |
| Pre-tax net operating income | $1,253,000 | 3,005 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $400,000 | 2,557 |
| Income before extraordinary items | $853,000 | 3,355 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $853,000 | 3,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,291 |
| Cash dividends | $350,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $853,000 | 3,252 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,685,000 | 2,602 |
| Total interest expense | $1,069,000 | 1,865 |
| Net interest income | $1,616,000 | 3,066 |
| Provision for loan and lease losses | $100,000 | 2,105 |
| Total noninterest income | $290,000 | 3,187 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $140,000 | 2,809 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $150,000 | 2,948 |
| Total noninterest expense | $1,240,000 | 3,124 |
| Salaries and employee benefits | $787,000 | 2,730 |
| Premises and equipment expense | $152,000 | 3,556 |
| Additional noninterest expense | $301,000 | 3,739 |
| Pre-tax net operating income | $566,000 | 3,229 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $182,000 | 2,728 |
| Income before extraordinary items | $384,000 | 3,618 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $384,000 | 3,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $350,000 | 1,554 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $384,000 | 3,496 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,605,000 | 2,667 |
| Total interest expense | $4,566,000 | 1,957 |
| Net interest income | $6,039,000 | 3,166 |
| Provision for loan and lease losses | $258,000 | 3,483 |
| Total noninterest income | $1,425,000 | 2,949 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $513,000 | 3,025 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $912,000 | 2,530 |
| Total noninterest expense | $4,690,000 | 3,225 |
| Salaries and employee benefits | $3,021,000 | 2,751 |
| Premises and equipment expense | $540,000 | 3,836 |
| Additional noninterest expense | $1,129,000 | 3,907 |
| Pre-tax net operating income | $2,516,000 | 2,871 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $782,000 | 2,578 |
| Income before extraordinary items | $1,734,000 | 3,195 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,734,000 | 3,195 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $241,000 | 2,567 |
| Cash dividends | $625,000 | 3,129 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,734,000 | 3,053 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,919,000 | 2,720 |
| Total interest expense | $3,490,000 | 2,002 |
| Net interest income | $4,429,000 | 3,244 |
| Provision for loan and lease losses | $194,000 | 3,403 |
| Total noninterest income | $1,089,000 | 2,960 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $357,000 | 3,229 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $732,000 | 2,487 |
| Total noninterest expense | $3,501,000 | 3,231 |
| Salaries and employee benefits | $2,266,000 | 2,757 |
| Premises and equipment expense | $405,000 | 3,814 |
| Additional noninterest expense | $830,000 | 3,966 |
| Pre-tax net operating income | $1,823,000 | 3,046 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $561,000 | 2,803 |
| Income before extraordinary items | $1,262,000 | 3,364 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,262,000 | 3,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,062 |
| Cash dividends | $625,000 | 2,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,262,000 | 3,203 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,299,000 | 2,738 |
| Total interest expense | $2,371,000 | 2,018 |
| Net interest income | $2,928,000 | 3,260 |
| Provision for loan and lease losses | $129,000 | 3,358 |
| Total noninterest income | $682,000 | 3,069 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $224,000 | 3,346 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $458,000 | 2,579 |
| Total noninterest expense | $2,263,000 | 3,322 |
| Salaries and employee benefits | $1,474,000 | 2,826 |
| Premises and equipment expense | $255,000 | 3,987 |
| Additional noninterest expense | $534,000 | 4,034 |
| Pre-tax net operating income | $1,218,000 | 3,055 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $378,000 | 2,797 |
| Income before extraordinary items | $840,000 | 3,375 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $840,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,353 |
| Cash dividends | $325,000 | 2,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $840,000 | 3,200 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,607,000 | 2,796 |
| Total interest expense | $1,194,000 | 2,062 |
| Net interest income | $1,413,000 | 3,334 |
| Provision for loan and lease losses | $65,000 | 3,141 |
| Total noninterest income | $332,000 | 3,024 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $103,000 | 3,472 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $229,000 | 2,483 |
| Total noninterest expense | $1,116,000 | 3,350 |
| Salaries and employee benefits | $718,000 | 2,891 |
| Premises and equipment expense | $126,000 | 4,003 |
| Additional noninterest expense | $272,000 | 3,952 |
| Pre-tax net operating income | $564,000 | 3,218 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $175,000 | 2,918 |
| Income before extraordinary items | $389,000 | 3,529 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $389,000 | 3,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,771 |
| Cash dividends | $325,000 | 1,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $389,000 | 3,355 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,669,000 | 2,850 |
| Total interest expense | $5,430,000 | 2,067 |
| Net interest income | $5,239,000 | 3,518 |
| Provision for loan and lease losses | $235,000 | 4,028 |
| Total noninterest income | $1,039,000 | 3,399 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $443,000 | 3,271 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $596,000 | 2,972 |
| Total noninterest expense | $3,959,000 | 3,589 |
| Salaries and employee benefits | $2,473,000 | 3,156 |
| Premises and equipment expense | $466,000 | 4,161 |
| Additional noninterest expense | $1,020,000 | 4,116 |
| Pre-tax net operating income | $2,084,000 | 3,334 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $682,000 | 2,902 |
| Income before extraordinary items | $1,402,000 | 3,679 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,402,000 | 3,679 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,179 |
| Cash dividends | $650,000 | 3,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,402,000 | 3,572 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,329,000 | 2,993 |
| Total interest expense | $6,477,000 | 2,475 |
| Net interest income | $4,852,000 | 3,519 |
| Provision for loan and lease losses | $141,000 | 4,914 |
| Total noninterest income | $818,000 | 3,799 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $377,000 | 3,568 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $441,000 | 3,351 |
| Total noninterest expense | $3,858,000 | 3,542 |
| Salaries and employee benefits | $2,310,000 | 3,177 |
| Premises and equipment expense | $489,000 | 3,953 |
| Additional noninterest expense | $1,059,000 | 3,878 |
| Pre-tax net operating income | $1,671,000 | 3,599 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $494,000 | 3,343 |
| Income before extraordinary items | $1,177,000 | 3,863 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,177,000 | 3,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,490 |
| Cash dividends | $650,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,177,000 | 3,736 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $10,956,000 | 3,155 |
| Total interest expense | $5,827,000 | 2,860 |
| Net interest income | $5,129,000 | 3,396 |
| Provision for loan and lease losses | $114,000 | 5,045 |
| Total noninterest income | $595,000 | 4,430 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $247,000 | 4,552 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $348,000 | 3,629 |
| Total noninterest expense | $3,500,000 | 3,703 |
| Salaries and employee benefits | $2,212,000 | 3,169 |
| Premises and equipment expense | $486,000 | 3,877 |
| Additional noninterest expense | $802,000 | 4,742 |
| Pre-tax net operating income | $2,110,000 | 3,186 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $681,000 | 2,848 |
| Income before extraordinary items | $1,429,000 | 3,381 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,429,000 | 3,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-60,000 | 9,649 |
| Cash dividends | $625,000 | 3,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,429,000 | 3,372 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,665,000 | 3,320 |
| Total interest expense | $4,703,000 | 3,099 |
| Net interest income | $4,962,000 | 3,473 |
| Provision for loan and lease losses | $140,000 | 4,418 |
| Total noninterest income | $444,000 | 5,312 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $202,000 | 5,094 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $242,000 | 4,505 |
| Total noninterest expense | $3,009,000 | 4,198 |
| Salaries and employee benefits | $1,840,000 | 3,676 |
| Premises and equipment expense | $401,000 | 4,526 |
| Additional noninterest expense | $768,000 | 4,934 |
| Pre-tax net operating income | $2,257,000 | 3,035 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $755,000 | 2,760 |
| Income before extraordinary items | $1,502,000 | 3,240 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,502,000 | 3,240 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,373 |
| Cash dividends | $500,000 | 3,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,502,000 | 3,208 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,854,000 | 3,274 |
| Total interest expense | $4,996,000 | 3,001 |
| Net interest income | $4,858,000 | 3,501 |
| Provision for loan and lease losses | $210,000 | 3,403 |
| Total noninterest income | $628,000 | 4,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 4,896 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $410,000 | 3,379 |
| Total noninterest expense | $2,676,000 | 4,538 |
| Salaries and employee benefits | $1,713,000 | 3,813 |
| Premises and equipment expense | $339,000 | 4,991 |
| Additional noninterest expense | $624,000 | 5,601 |
| Pre-tax net operating income | $2,600,000 | 2,681 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $901,000 | 2,496 |
| Income before extraordinary items | $1,699,000 | 2,937 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,699,000 | 2,938 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $500,000 | 3,496 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,699,000 | 2,845 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,161,000 | 3,906 |
| Total interest expense | $4,128,000 | 3,559 |
| Net interest income | $4,033,000 | 4,210 |
| Provision for loan and lease losses | $283,000 | 2,744 |
| Total noninterest income | $380,000 | 5,900 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $175,000 | 5,740 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $205,000 | 4,893 |
| Total noninterest expense | $2,424,000 | 4,898 |
| Salaries and employee benefits | $1,516,000 | 4,215 |
| Premises and equipment expense | $296,000 | 5,484 |
| Additional noninterest expense | $612,000 | 5,733 |
| Pre-tax net operating income | $1,706,000 | 4,027 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $587,000 | 3,752 |
| Income before extraordinary items | $1,119,000 | 4,299 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,119,000 | 4,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $275,000 | 4,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,119,000 | 4,237 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,557,000 | 4,832 |
| Total interest expense | $3,367,000 | 4,335 |
| Net interest income | $3,190,000 | 5,204 |
| Provision for loan and lease losses | $155,000 | 3,992 |
| Total noninterest income | $385,000 | 6,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,956 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $259,000 | 4,445 |
| Total noninterest expense | $1,800,000 | 6,388 |
| Salaries and employee benefits | $1,113,000 | 5,545 |
| Premises and equipment expense | $217,000 | 6,740 |
| Additional noninterest expense | $470,000 | 7,300 |
| Pre-tax net operating income | $1,620,000 | 4,085 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $498,000 | 4,160 |
| Income before extraordinary items | $1,122,000 | 4,095 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,122,000 | 4,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,598 |
| Cash dividends | $175,000 | 5,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,122,000 | 4,042 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,832,000 | 5,325 |
| Total interest expense | $2,949,000 | 4,845 |
| Net interest income | $2,883,000 | 5,676 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $373,000 | 6,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,638 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $267,000 | 4,300 |
| Total noninterest expense | $1,525,000 | 7,190 |
| Salaries and employee benefits | $893,000 | 6,593 |
| Premises and equipment expense | $161,000 | 8,015 |
| Additional noninterest expense | $471,000 | 7,511 |
| Pre-tax net operating income | $1,606,000 | 4,219 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $563,000 | 3,830 |
| Income before extraordinary items | $1,043,000 | 4,431 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,043,000 | 4,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,779 |
| Cash dividends | $175,000 | 5,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,043,000 | 4,424 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,223,000 | 6,449 |
| Total interest expense | $1,815,000 | 6,025 |
| Net interest income | $2,408,000 | 6,645 |
| Provision for loan and lease losses | $90,000 | 4,765 |
| Total noninterest income | $538,000 | 5,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 8,040 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $436,000 | 3,233 |
| Total noninterest expense | $1,410,000 | 7,887 |
| Salaries and employee benefits | $805,000 | 7,182 |
| Premises and equipment expense | $158,000 | 8,341 |
| Additional noninterest expense | $447,000 | 8,346 |
| Pre-tax net operating income | $1,446,000 | 4,547 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $493,000 | 4,102 |
| Income before extraordinary items | $953,000 | 4,692 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $953,000 | 4,692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,783 |
| Cash dividends | $125,000 | 6,452 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $953,000 | 4,742 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,215,000 | 7,983 |
| Total interest expense | $1,341,000 | 7,735 |
| Net interest income | $1,874,000 | 8,029 |
| Provision for loan and lease losses | $210,000 | 3,794 |
| Total noninterest income | $879,000 | 3,700 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $78,000 | 9,074 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $801,000 | 2,381 |
| Total noninterest expense | $1,292,000 | 8,540 |
| Salaries and employee benefits | $723,000 | 7,844 |
| Premises and equipment expense | $152,000 | 8,840 |
| Additional noninterest expense | $417,000 | 9,072 |
| Pre-tax net operating income | $1,251,000 | 5,027 |
| Securities gains (losses) | $16,000 | 4,943 |
| Applicable income taxes | $440,000 | 4,667 |
| Income before extraordinary items | $827,000 | 5,425 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $827,000 | 5,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 7,819 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $816,600 | 5,244 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,925,000 | 9,121 |
| Total interest expense | $1,412,000 | 8,802 |
| Net interest income | $1,513,000 | 9,230 |
| Provision for loan and lease losses | $138,000 | 6,347 |
| Total noninterest income | $387,000 | 6,670 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,928 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 4,194 |
| Total noninterest expense | $994,000 | 10,009 |
| Salaries and employee benefits | $524,000 | 9,548 |
| Premises and equipment expense | $131,000 | 9,652 |
| Additional noninterest expense | $339,000 | 10,331 |
| Pre-tax net operating income | $768,000 | 6,724 |
| Securities gains (losses) | $58,000 | 3,883 |
| Applicable income taxes | $297,000 | 5,965 |
| Income before extraordinary items | $529,000 | 7,090 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $529,000 | 7,185 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 10,379 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $491,880 | 7,029 |
* 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.