Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $1,317,000 | 6,331 |
| Total interest expense | $178,000 | 6,034 |
| Net interest income | $1,139,000 | 6,330 |
| Provision for loan and lease losses | $135,000 | 3,376 |
| Total noninterest income | $169,000 | 5,787 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $109,000 | 5,130 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $60,000 | 5,762 |
| Total noninterest expense | $1,148,000 | 6,212 |
| Salaries and employee benefits | $448,000 | 6,495 |
| Premises and equipment expense | $41,000 | 6,670 |
| Additional noninterest expense | $659,000 | 5,433 |
| Pre-tax net operating income | $25,000 | 6,135 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $0 | 4,631 |
| Income before extraordinary items | $25,000 | 6,194 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $25,000 | 6,195 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $25,000 | 6,196 |
| Net charge-offs | $83,000 | 3,931 |
| Cash dividends | $15,000 | 4,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $25,000 | 6,151 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $1,013,000 | 6,382 |
| Total interest expense | $132,000 | 6,133 |
| Net interest income | $881,000 | 6,379 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $116,000 | 5,949 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $84,000 | 5,126 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $32,000 | 6,033 |
| Total noninterest expense | $734,000 | 6,407 |
| Salaries and employee benefits | $333,000 | 6,547 |
| Premises and equipment expense | $29,000 | 6,756 |
| Additional noninterest expense | $372,000 | 5,895 |
| Pre-tax net operating income | $263,000 | 5,470 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $5,000 | 4,449 |
| Income before extraordinary items | $258,000 | 5,426 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $258,000 | 5,427 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $258,000 | 5,428 |
| Net charge-offs | $63,000 | 3,672 |
| Cash dividends | $15,000 | 3,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $258,000 | 5,347 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $691,000 | 6,404 |
| Total interest expense | $87,000 | 6,205 |
| Net interest income | $604,000 | 6,381 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $78,000 | 5,951 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $56,000 | 5,113 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $22,000 | 6,044 |
| Total noninterest expense | $513,000 | 6,400 |
| Salaries and employee benefits | $225,000 | 6,584 |
| Premises and equipment expense | $19,000 | 6,807 |
| Additional noninterest expense | $269,000 | 5,786 |
| Pre-tax net operating income | $169,000 | 5,487 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $169,000 | 5,449 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $169,000 | 5,452 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $169,000 | 5,452 |
| Net charge-offs | $-33,000 | 6,447 |
| Cash dividends | $15,000 | 3,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $169,000 | 5,324 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $356,000 | 6,432 |
| Total interest expense | $44,000 | 6,285 |
| Net interest income | $312,000 | 6,399 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $37,000 | 6,016 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $29,000 | 5,027 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $8,000 | 6,256 |
| Total noninterest expense | $274,000 | 6,408 |
| Salaries and employee benefits | $117,000 | 6,621 |
| Premises and equipment expense | $10,000 | 6,861 |
| Additional noninterest expense | $147,000 | 5,708 |
| Pre-tax net operating income | $75,000 | 5,575 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $75,000 | 5,542 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $75,000 | 5,544 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $75,000 | 5,544 |
| Net charge-offs | $-54,000 | 6,733 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $75,000 | 5,439 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,657,000 | 6,370 |
| Total interest expense | $183,000 | 6,474 |
| Net interest income | $1,474,000 | 6,308 |
| Provision for loan and lease losses | $317,000 | 3,297 |
| Total noninterest income | $152,000 | 5,962 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $109,000 | 5,314 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $43,000 | 5,944 |
| Total noninterest expense | $960,000 | 6,613 |
| Salaries and employee benefits | $474,000 | 6,684 |
| Premises and equipment expense | $52,000 | 6,877 |
| Additional noninterest expense | $434,000 | 6,249 |
| Pre-tax net operating income | $349,000 | 5,281 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $134,000 | 3,299 |
| Income before extraordinary items | $215,000 | 5,739 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $215,000 | 5,737 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $215,000 | 5,738 |
| Net charge-offs | $285,000 | 3,363 |
| Cash dividends | $30,000 | 4,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $215,000 | 5,559 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,273,000 | 6,451 |
| Total interest expense | $139,000 | 6,591 |
| Net interest income | $1,134,000 | 6,370 |
| Provision for loan and lease losses | $277,000 | 3,084 |
| Total noninterest income | $115,000 | 6,028 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $86,000 | 5,293 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $29,000 | 6,112 |
| Total noninterest expense | $710,000 | 6,695 |
| Salaries and employee benefits | $350,000 | 6,761 |
| Premises and equipment expense | $39,000 | 6,959 |
| Additional noninterest expense | $321,000 | 6,325 |
| Pre-tax net operating income | $262,000 | 5,443 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $134,000 | 3,162 |
| Income before extraordinary items | $128,000 | 6,013 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $128,000 | 6,012 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $128,000 | 6,012 |
| Net charge-offs | $236,000 | 3,109 |
| Cash dividends | $15,000 | 3,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $128,000 | 5,873 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $865,000 | 6,484 |
| Total interest expense | $95,000 | 6,662 |
| Net interest income | $770,000 | 6,390 |
| Provision for loan and lease losses | $277,000 | 2,550 |
| Total noninterest income | $79,000 | 6,034 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $59,000 | 5,271 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 6,149 |
| Total noninterest expense | $463,000 | 6,773 |
| Salaries and employee benefits | $240,000 | 6,794 |
| Premises and equipment expense | $26,000 | 7,010 |
| Additional noninterest expense | $197,000 | 6,476 |
| Pre-tax net operating income | $109,000 | 5,823 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $84,000 | 3,199 |
| Income before extraordinary items | $25,000 | 6,363 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $25,000 | 6,362 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $25,000 | 6,363 |
| Net charge-offs | $205,000 | 2,731 |
| Cash dividends | $15,000 | 3,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $25,000 | 6,226 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $447,000 | 6,500 |
| Total interest expense | $48,000 | 6,735 |
| Net interest income | $399,000 | 6,389 |
| Provision for loan and lease losses | $30,000 | 4,088 |
| Total noninterest income | $37,000 | 6,160 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $9,000 | 6,588 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $28,000 | 5,423 |
| Total noninterest expense | $237,000 | 6,808 |
| Salaries and employee benefits | $131,000 | 6,779 |
| Premises and equipment expense | $13,000 | 7,067 |
| Additional noninterest expense | $93,000 | 6,589 |
| Pre-tax net operating income | $169,000 | 4,756 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $54,000 | 3,007 |
| Income before extraordinary items | $115,000 | 5,203 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $115,000 | 5,204 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $115,000 | 5,205 |
| Net charge-offs | $-32,000 | 6,989 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $115,000 | 5,059 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,949,000 | 6,483 |
| Total interest expense | $228,000 | 6,810 |
| Net interest income | $1,721,000 | 6,331 |
| Provision for loan and lease losses | $230,000 | 4,475 |
| Total noninterest income | $161,000 | 5,981 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $124,000 | 5,210 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $37,000 | 6,109 |
| Total noninterest expense | $977,000 | 6,861 |
| Salaries and employee benefits | $496,000 | 6,901 |
| Premises and equipment expense | $52,000 | 7,157 |
| Additional noninterest expense | $429,000 | 6,474 |
| Pre-tax net operating income | $675,000 | 4,343 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $215,000 | 2,836 |
| Income before extraordinary items | $460,000 | 4,772 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $460,000 | 4,773 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $460,000 | 4,772 |
| Net charge-offs | $269,000 | 3,928 |
| Cash dividends | $30,000 | 4,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $460,000 | 4,646 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,512,000 | 6,497 |
| Total interest expense | $178,000 | 6,872 |
| Net interest income | $1,334,000 | 6,331 |
| Provision for loan and lease losses | $155,000 | 4,455 |
| Total noninterest income | $121,000 | 6,083 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $111,000 | 4,948 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $10,000 | 6,640 |
| Total noninterest expense | $726,000 | 6,911 |
| Salaries and employee benefits | $372,000 | 6,939 |
| Premises and equipment expense | $42,000 | 7,201 |
| Additional noninterest expense | $312,000 | 6,553 |
| Pre-tax net operating income | $574,000 | 4,289 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $161,000 | 2,851 |
| Income before extraordinary items | $413,000 | 4,611 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $413,000 | 4,612 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $413,000 | 4,611 |
| Net charge-offs | $55,000 | 4,909 |
| Cash dividends | $15,000 | 3,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $413,000 | 4,486 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,008,000 | 6,551 |
| Total interest expense | $119,000 | 6,962 |
| Net interest income | $889,000 | 6,376 |
| Provision for loan and lease losses | $95,000 | 4,453 |
| Total noninterest income | $83,000 | 6,082 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $75,000 | 4,908 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $8,000 | 6,666 |
| Total noninterest expense | $494,000 | 6,958 |
| Salaries and employee benefits | $251,000 | 6,993 |
| Premises and equipment expense | $26,000 | 7,289 |
| Additional noninterest expense | $217,000 | 6,580 |
| Pre-tax net operating income | $383,000 | 4,270 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $107,000 | 2,817 |
| Income before extraordinary items | $276,000 | 4,565 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $276,000 | 4,563 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $276,000 | 4,565 |
| Net charge-offs | $41,000 | 4,608 |
| Cash dividends | $15,000 | 3,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $276,000 | 4,487 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $502,000 | 6,604 |
| Total interest expense | $60,000 | 7,032 |
| Net interest income | $442,000 | 6,410 |
| Provision for loan and lease losses | $45,000 | 4,252 |
| Total noninterest income | $40,000 | 6,204 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $35,000 | 4,978 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $5,000 | 6,705 |
| Total noninterest expense | $242,000 | 7,024 |
| Salaries and employee benefits | $125,000 | 7,044 |
| Premises and equipment expense | $15,000 | 7,285 |
| Additional noninterest expense | $102,000 | 6,699 |
| Pre-tax net operating income | $195,000 | 4,280 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $52,000 | 2,787 |
| Income before extraordinary items | $143,000 | 4,531 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $143,000 | 4,530 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $143,000 | 4,531 |
| Net charge-offs | $-16,000 | 7,143 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $143,000 | 4,471 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $2,006,000 | 6,723 |
| Total interest expense | $290,000 | 7,085 |
| Net interest income | $1,716,000 | 6,506 |
| Provision for loan and lease losses | $345,000 | 4,668 |
| Total noninterest income | $220,000 | 5,828 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $162,000 | 4,783 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $58,000 | 5,988 |
| Total noninterest expense | $920,000 | 7,159 |
| Salaries and employee benefits | $450,000 | 7,232 |
| Premises and equipment expense | $61,000 | 7,370 |
| Additional noninterest expense | $409,000 | 6,771 |
| Pre-tax net operating income | $671,000 | 3,981 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $161,000 | 2,879 |
| Income before extraordinary items | $510,000 | 4,287 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $510,000 | 4,288 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $510,000 | 4,288 |
| Net charge-offs | $278,000 | 4,398 |
| Cash dividends | $30,000 | 4,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $510,000 | 4,137 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,503,000 | 6,825 |
| Total interest expense | $227,000 | 7,177 |
| Net interest income | $1,276,000 | 6,616 |
| Provision for loan and lease losses | $255,000 | 4,558 |
| Total noninterest income | $167,000 | 5,930 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $116,000 | 4,926 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $51,000 | 5,965 |
| Total noninterest expense | $685,000 | 7,245 |
| Salaries and employee benefits | $334,000 | 7,317 |
| Premises and equipment expense | $47,000 | 7,447 |
| Additional noninterest expense | $304,000 | 6,844 |
| Pre-tax net operating income | $503,000 | 4,202 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $121,000 | 2,974 |
| Income before extraordinary items | $382,000 | 4,532 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $382,000 | 4,536 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $382,000 | 4,535 |
| Net charge-offs | $227,000 | 4,077 |
| Cash dividends | $15,000 | 3,639 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $382,000 | 4,354 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,001,000 | 6,878 |
| Total interest expense | $155,000 | 7,245 |
| Net interest income | $846,000 | 6,659 |
| Provision for loan and lease losses | $85,000 | 5,336 |
| Total noninterest income | $112,000 | 5,919 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $70,000 | 5,108 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $42,000 | 5,789 |
| Total noninterest expense | $460,000 | 7,296 |
| Salaries and employee benefits | $226,000 | 7,363 |
| Premises and equipment expense | $32,000 | 7,493 |
| Additional noninterest expense | $202,000 | 6,899 |
| Pre-tax net operating income | $413,000 | 3,947 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $81,000 | 2,958 |
| Income before extraordinary items | $332,000 | 4,114 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $332,000 | 4,114 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $332,000 | 4,113 |
| Net charge-offs | $34,000 | 5,177 |
| Cash dividends | $15,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $332,000 | 3,991 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $485,000 | 7,001 |
| Total interest expense | $80,000 | 7,332 |
| Net interest income | $405,000 | 6,793 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $38,000 | 6,463 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $33,000 | 5,208 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $5,000 | 6,997 |
| Total noninterest expense | $231,000 | 7,385 |
| Salaries and employee benefits | $113,000 | 7,455 |
| Premises and equipment expense | $17,000 | 7,545 |
| Additional noninterest expense | $101,000 | 6,979 |
| Pre-tax net operating income | $182,000 | 4,245 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $40,000 | 2,950 |
| Income before extraordinary items | $142,000 | 4,476 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $142,000 | 4,476 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $142,000 | 4,475 |
| Net charge-offs | $14,000 | 4,653 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $142,000 | 4,364 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,882,000 | 7,148 |
| Total interest expense | $378,000 | 7,397 |
| Net interest income | $1,504,000 | 6,907 |
| Provision for loan and lease losses | $339,000 | 5,107 |
| Total noninterest income | $157,000 | 6,525 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $129,000 | 5,385 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $28,000 | 6,775 |
| Total noninterest expense | $874,000 | 7,528 |
| Salaries and employee benefits | $427,000 | 7,582 |
| Premises and equipment expense | $53,000 | 7,763 |
| Additional noninterest expense | $394,000 | 7,110 |
| Pre-tax net operating income | $448,000 | 4,116 |
| Securities gains (losses) | $30,000 | 2,871 |
| Applicable income taxes | $143,000 | 2,634 |
| Income before extraordinary items | $335,000 | 4,364 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $335,000 | 4,364 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $335,000 | 4,365 |
| Net charge-offs | $257,000 | 4,692 |
| Cash dividends | $30,000 | 4,505 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $314,000 | 4,353 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,430,000 | 7,199 |
| Total interest expense | $291,000 | 7,489 |
| Net interest income | $1,139,000 | 6,926 |
| Provision for loan and lease losses | $114,000 | 5,822 |
| Total noninterest income | $114,000 | 6,692 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $94,000 | 5,455 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $20,000 | 6,986 |
| Total noninterest expense | $670,000 | 7,547 |
| Salaries and employee benefits | $329,000 | 7,615 |
| Premises and equipment expense | $40,000 | 7,838 |
| Additional noninterest expense | $301,000 | 7,118 |
| Pre-tax net operating income | $469,000 | 3,982 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $143,000 | 2,606 |
| Income before extraordinary items | $326,000 | 4,317 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $326,000 | 4,313 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $326,000 | 4,316 |
| Net charge-offs | $161,000 | 4,520 |
| Cash dividends | $15,000 | 4,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $326,000 | 4,255 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $956,000 | 7,270 |
| Total interest expense | $198,000 | 7,576 |
| Net interest income | $758,000 | 6,962 |
| Provision for loan and lease losses | $59,000 | 5,963 |
| Total noninterest income | $74,000 | 6,766 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $58,000 | 5,576 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $16,000 | 6,961 |
| Total noninterest expense | $441,000 | 7,642 |
| Salaries and employee benefits | $221,000 | 7,693 |
| Premises and equipment expense | $27,000 | 7,918 |
| Additional noninterest expense | $193,000 | 7,225 |
| Pre-tax net operating income | $332,000 | 3,998 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $95,000 | 2,669 |
| Income before extraordinary items | $237,000 | 4,328 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $237,000 | 4,327 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $237,000 | 4,327 |
| Net charge-offs | $15,000 | 5,781 |
| Cash dividends | $15,000 | 3,899 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $237,000 | 4,215 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $456,000 | 7,385 |
| Total interest expense | $100,000 | 7,649 |
| Net interest income | $356,000 | 7,090 |
| Provision for loan and lease losses | $25,000 | 5,698 |
| Total noninterest income | $38,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $28,000 | 5,598 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $10,000 | 6,874 |
| Total noninterest expense | $204,000 | 7,742 |
| Salaries and employee benefits | $110,000 | 7,743 |
| Premises and equipment expense | $14,000 | 7,930 |
| Additional noninterest expense | $80,000 | 7,383 |
| Pre-tax net operating income | $165,000 | 4,347 |
| Securities gains (losses) | $15,000 | 1,797 |
| Applicable income taxes | $48,000 | 2,920 |
| Income before extraordinary items | $132,000 | 4,556 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $132,000 | 4,560 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $132,000 | 4,560 |
| Net charge-offs | $-4,000 | 7,635 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $121,050 | 4,507 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,721,000 | 7,528 |
| Total interest expense | $470,000 | 7,725 |
| Net interest income | $1,251,000 | 7,311 |
| Provision for loan and lease losses | $52,000 | 6,552 |
| Total noninterest income | $163,000 | 6,772 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $140,000 | 5,447 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $23,000 | 7,344 |
| Total noninterest expense | $801,000 | 7,792 |
| Salaries and employee benefits | $422,000 | 7,843 |
| Premises and equipment expense | $63,000 | 7,942 |
| Additional noninterest expense | $316,000 | 7,386 |
| Pre-tax net operating income | $561,000 | 4,699 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $143,000 | 3,103 |
| Income before extraordinary items | $418,000 | 4,702 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $418,000 | 4,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,714 |
| Cash dividends | $30,000 | 5,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $418,000 | 4,865 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,272,000 | 7,621 |
| Total interest expense | $363,000 | 7,814 |
| Net interest income | $909,000 | 7,405 |
| Provision for loan and lease losses | $30,000 | 6,263 |
| Total noninterest income | $122,000 | 6,885 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $103,000 | 5,491 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $19,000 | 7,454 |
| Total noninterest expense | $589,000 | 7,852 |
| Salaries and employee benefits | $308,000 | 7,905 |
| Premises and equipment expense | $50,000 | 7,972 |
| Additional noninterest expense | $231,000 | 7,439 |
| Pre-tax net operating income | $412,000 | 5,229 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $102,000 | 3,580 |
| Income before extraordinary items | $310,000 | 5,163 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $310,000 | 5,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,799 |
| Cash dividends | $15,000 | 4,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $310,000 | 5,344 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $839,000 | 7,707 |
| Total interest expense | $251,000 | 7,879 |
| Net interest income | $588,000 | 7,487 |
| Provision for loan and lease losses | $14,000 | 6,187 |
| Total noninterest income | $81,000 | 6,936 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $68,000 | 5,520 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $388,000 | 7,916 |
| Salaries and employee benefits | $205,000 | 7,967 |
| Premises and equipment expense | $28,000 | 8,115 |
| Additional noninterest expense | $155,000 | 7,459 |
| Pre-tax net operating income | $267,000 | 5,424 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $61,000 | 3,888 |
| Income before extraordinary items | $206,000 | 5,567 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $206,000 | 5,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,731 |
| Cash dividends | $15,000 | 4,656 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $206,000 | 5,506 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $430,000 | 7,765 |
| Total interest expense | $132,000 | 7,919 |
| Net interest income | $298,000 | 7,507 |
| Provision for loan and lease losses | $3,000 | 5,879 |
| Total noninterest income | $39,000 | 6,994 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $33,000 | 5,550 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $6,000 | 7,600 |
| Total noninterest expense | $198,000 | 7,942 |
| Salaries and employee benefits | $101,000 | 8,019 |
| Premises and equipment expense | $13,000 | 8,175 |
| Additional noninterest expense | $84,000 | 7,356 |
| Pre-tax net operating income | $136,000 | 5,590 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $109,000 | 5,722 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $109,000 | 5,725 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,847 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $109,000 | 5,629 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,644,000 | 7,819 |
| Total interest expense | $519,000 | 7,932 |
| Net interest income | $1,125,000 | 7,589 |
| Provision for loan and lease losses | $72,000 | 5,309 |
| Total noninterest income | $146,000 | 7,169 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $127,000 | 5,671 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $19,000 | 7,830 |
| Total noninterest expense | $782,000 | 7,963 |
| Salaries and employee benefits | $407,000 | 8,037 |
| Premises and equipment expense | $60,000 | 8,164 |
| Additional noninterest expense | $315,000 | 7,467 |
| Pre-tax net operating income | $417,000 | 6,224 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $131,000 | 4,259 |
| Income before extraordinary items | $286,000 | 6,482 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $286,000 | 6,481 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 5,008 |
| Cash dividends | $30,000 | 5,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $286,000 | 6,461 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,215,000 | 7,889 |
| Total interest expense | $383,000 | 7,994 |
| Net interest income | $832,000 | 7,655 |
| Provision for loan and lease losses | $57,000 | 4,915 |
| Total noninterest income | $107,000 | 7,236 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $91,000 | 5,771 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $16,000 | 7,805 |
| Total noninterest expense | $563,000 | 7,995 |
| Salaries and employee benefits | $297,000 | 8,052 |
| Premises and equipment expense | $42,000 | 8,191 |
| Additional noninterest expense | $224,000 | 7,532 |
| Pre-tax net operating income | $319,000 | 6,496 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $83,000 | 4,590 |
| Income before extraordinary items | $236,000 | 6,625 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $236,000 | 6,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,079 |
| Cash dividends | $15,000 | 5,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $236,000 | 6,609 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $797,000 | 7,949 |
| Total interest expense | $247,000 | 8,058 |
| Net interest income | $550,000 | 7,729 |
| Provision for loan and lease losses | $54,000 | 4,290 |
| Total noninterest income | $69,000 | 7,314 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $59,000 | 5,840 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $10,000 | 7,880 |
| Total noninterest expense | $373,000 | 8,052 |
| Salaries and employee benefits | $199,000 | 8,096 |
| Premises and equipment expense | $28,000 | 8,238 |
| Additional noninterest expense | $146,000 | 7,614 |
| Pre-tax net operating income | $192,000 | 6,685 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $59,000 | 4,625 |
| Income before extraordinary items | $133,000 | 6,879 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $133,000 | 6,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,902 |
| Cash dividends | $15,000 | 4,900 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $133,000 | 6,867 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $396,000 | 7,999 |
| Total interest expense | $120,000 | 8,125 |
| Net interest income | $276,000 | 7,760 |
| Provision for loan and lease losses | $9,000 | 5,108 |
| Total noninterest income | $30,000 | 7,460 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $3,000 | 8,103 |
| Total noninterest expense | $187,000 | 8,085 |
| Salaries and employee benefits | $99,000 | 8,138 |
| Premises and equipment expense | $14,000 | 8,242 |
| Additional noninterest expense | $74,000 | 7,603 |
| Pre-tax net operating income | $110,000 | 6,542 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $31,000 | 4,589 |
| Income before extraordinary items | $79,000 | 6,727 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $79,000 | 6,726 |
| 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 | $79,000 | 6,711 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,403,000 | 8,004 |
| Total interest expense | $374,000 | 8,152 |
| Net interest income | $1,029,000 | 7,808 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $130,000 | 7,468 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $112,000 | 5,989 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $18,000 | 8,036 |
| Total noninterest expense | $727,000 | 8,127 |
| Salaries and employee benefits | $386,000 | 8,186 |
| Premises and equipment expense | $63,000 | 8,213 |
| Additional noninterest expense | $278,000 | 7,703 |
| Pre-tax net operating income | $252,000 | 7,247 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $63,000 | 5,291 |
| Income before extraordinary items | $189,000 | 7,321 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $189,000 | 7,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,198 |
| Cash dividends | $30,000 | 5,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $189,000 | 7,317 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 8,094 |
| Total interest expense | $264,000 | 8,230 |
| Net interest income | $763,000 | 7,905 |
| Provision for loan and lease losses | $135,000 | 3,558 |
| Total noninterest income | $95,000 | 7,583 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $80,000 | 6,137 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,025 |
| Total noninterest expense | $534,000 | 8,165 |
| Salaries and employee benefits | $285,000 | 8,212 |
| Premises and equipment expense | $46,000 | 8,286 |
| Additional noninterest expense | $203,000 | 7,762 |
| Pre-tax net operating income | $189,000 | 7,456 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $25,000 | 5,863 |
| Income before extraordinary items | $164,000 | 7,409 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $164,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,554 |
| Cash dividends | $15,000 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $164,000 | 7,409 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $661,000 | 8,153 |
| Total interest expense | $167,000 | 8,276 |
| Net interest income | $494,000 | 7,980 |
| Provision for loan and lease losses | $90,000 | 3,463 |
| Total noninterest income | $63,000 | 7,632 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $51,000 | 6,216 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $12,000 | 7,965 |
| Total noninterest expense | $360,000 | 8,179 |
| Salaries and employee benefits | $192,000 | 8,242 |
| Premises and equipment expense | $30,000 | 8,317 |
| Additional noninterest expense | $138,000 | 7,742 |
| Pre-tax net operating income | $107,000 | 7,650 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $18,000 | 5,852 |
| Income before extraordinary items | $89,000 | 7,615 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $89,000 | 7,616 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 1,922 |
| Cash dividends | $15,000 | 4,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $89,000 | 7,622 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $313,000 | 8,222 |
| Total interest expense | $77,000 | 8,335 |
| Net interest income | $236,000 | 8,067 |
| Provision for loan and lease losses | $45,000 | 3,261 |
| Total noninterest income | $30,000 | 7,673 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $24,000 | 6,271 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $6,000 | 7,952 |
| Total noninterest expense | $179,000 | 8,210 |
| Salaries and employee benefits | $96,000 | 8,262 |
| Premises and equipment expense | $16,000 | 8,272 |
| Additional noninterest expense | $67,000 | 7,791 |
| Pre-tax net operating income | $42,000 | 7,792 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $10,000 | 5,755 |
| Income before extraordinary items | $32,000 | 7,808 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $32,000 | 7,808 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 1,088 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $32,000 | 7,804 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,149,000 | 8,220 |
| Total interest expense | $236,000 | 8,361 |
| Net interest income | $913,000 | 8,069 |
| Provision for loan and lease losses | $179,000 | 3,826 |
| Total noninterest income | $109,000 | 7,851 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $90,000 | 6,427 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $19,000 | 8,165 |
| Total noninterest expense | $692,000 | 8,250 |
| Salaries and employee benefits | $368,000 | 8,308 |
| Premises and equipment expense | $63,000 | 8,304 |
| Additional noninterest expense | $261,000 | 7,863 |
| Pre-tax net operating income | $151,000 | 7,842 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $40,000 | 5,998 |
| Income before extraordinary items | $111,000 | 7,933 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $111,000 | 7,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,461 |
| Cash dividends | $30,000 | 5,872 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $111,000 | 7,905 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $892,000 | 8,227 |
| Total interest expense | $168,000 | 8,388 |
| Net interest income | $724,000 | 8,041 |
| Provision for loan and lease losses | $89,000 | 4,490 |
| Total noninterest income | $85,000 | 7,840 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $68,000 | 6,457 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $17,000 | 8,089 |
| Total noninterest expense | $513,000 | 8,261 |
| Salaries and employee benefits | $271,000 | 8,308 |
| Premises and equipment expense | $49,000 | 8,275 |
| Additional noninterest expense | $193,000 | 7,883 |
| Pre-tax net operating income | $207,000 | 7,597 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $60,000 | 5,664 |
| Income before extraordinary items | $147,000 | 7,723 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $147,000 | 7,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 4,230 |
| Cash dividends | $15,000 | 5,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $147,000 | 7,687 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $589,000 | 8,234 |
| Total interest expense | $105,000 | 8,416 |
| Net interest income | $484,000 | 8,047 |
| Provision for loan and lease losses | $61,000 | 4,100 |
| Total noninterest income | $55,000 | 7,872 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $44,000 | 6,475 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $11,000 | 8,096 |
| Total noninterest expense | $344,000 | 8,250 |
| Salaries and employee benefits | $178,000 | 8,329 |
| Premises and equipment expense | $33,000 | 8,288 |
| Additional noninterest expense | $133,000 | 7,821 |
| Pre-tax net operating income | $134,000 | 7,641 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $40,000 | 5,690 |
| Income before extraordinary items | $94,000 | 7,778 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $94,000 | 7,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,501 |
| Cash dividends | $15,000 | 4,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $94,000 | 7,737 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $303,000 | 8,267 |
| Total interest expense | $48,000 | 8,524 |
| Net interest income | $255,000 | 8,039 |
| Provision for loan and lease losses | $41,000 | 3,575 |
| Total noninterest income | $25,000 | 7,991 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $22,000 | 6,479 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $3,000 | 8,454 |
| Total noninterest expense | $173,000 | 8,317 |
| Salaries and employee benefits | $85,000 | 8,456 |
| Premises and equipment expense | $18,000 | 8,281 |
| Additional noninterest expense | $70,000 | 7,797 |
| Pre-tax net operating income | $66,000 | 7,690 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $21,000 | 5,628 |
| Income before extraordinary items | $45,000 | 7,849 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $45,000 | 7,849 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,394 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $45,000 | 7,822 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $976,000 | 8,413 |
| Total interest expense | $177,000 | 8,537 |
| Net interest income | $799,000 | 8,304 |
| Provision for loan and lease losses | $63,000 | 5,615 |
| Total noninterest income | $129,000 | 7,802 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $104,000 | 6,411 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $25,000 | 8,078 |
| Total noninterest expense | $665,000 | 8,378 |
| Salaries and employee benefits | $356,000 | 8,441 |
| Premises and equipment expense | $74,000 | 8,296 |
| Additional noninterest expense | $235,000 | 8,092 |
| Pre-tax net operating income | $200,000 | 7,780 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $30,000 | 6,350 |
| Income before extraordinary items | $170,000 | 7,788 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $170,000 | 7,788 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,270 |
| Cash dividends | $30,000 | 5,972 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $170,000 | 7,748 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $714,000 | 8,476 |
| Total interest expense | $135,000 | 8,582 |
| Net interest income | $579,000 | 8,382 |
| Provision for loan and lease losses | $33,000 | 5,925 |
| Total noninterest income | $101,000 | 7,791 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $80,000 | 6,413 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $21,000 | 8,029 |
| Total noninterest expense | $498,000 | 8,397 |
| Salaries and employee benefits | $269,000 | 8,431 |
| Premises and equipment expense | $57,000 | 8,268 |
| Additional noninterest expense | $172,000 | 8,122 |
| Pre-tax net operating income | $149,000 | 7,914 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $27,000 | 6,358 |
| Income before extraordinary items | $122,000 | 7,959 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $122,000 | 7,962 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 4,426 |
| Cash dividends | $15,000 | 5,275 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $122,000 | 7,906 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $467,000 | 8,552 |
| Total interest expense | $92,000 | 8,626 |
| Net interest income | $375,000 | 8,458 |
| Provision for loan and lease losses | $15,000 | 6,089 |
| Total noninterest income | $64,000 | 7,891 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $52,000 | 6,467 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $12,000 | 8,173 |
| Total noninterest expense | $340,000 | 8,431 |
| Salaries and employee benefits | $178,000 | 8,496 |
| Premises and equipment expense | $38,000 | 8,310 |
| Additional noninterest expense | $124,000 | 8,044 |
| Pre-tax net operating income | $84,000 | 8,041 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $17,000 | 6,384 |
| Income before extraordinary items | $67,000 | 8,098 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $67,000 | 8,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $15,000 | 4,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $67,000 | 8,037 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $248,000 | 8,557 |
| Total interest expense | $45,000 | 8,685 |
| Net interest income | $203,000 | 8,418 |
| Provision for loan and lease losses | $7,000 | 5,890 |
| Total noninterest income | $32,000 | 7,893 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $24,000 | 6,539 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $8,000 | 7,967 |
| Total noninterest expense | $170,000 | 8,462 |
| Salaries and employee benefits | $91,000 | 8,511 |
| Premises and equipment expense | $19,000 | 8,322 |
| Additional noninterest expense | $60,000 | 8,152 |
| Pre-tax net operating income | $58,000 | 7,792 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $13,000 | 6,097 |
| Income before extraordinary items | $45,000 | 7,876 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $45,000 | 7,876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $45,000 | 7,813 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,006,000 | 8,574 |
| Total interest expense | $221,000 | 8,688 |
| Net interest income | $785,000 | 8,438 |
| Provision for loan and lease losses | $67,000 | 5,880 |
| Total noninterest income | $127,000 | 8,028 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $107,000 | 6,448 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $20,000 | 8,441 |
| Total noninterest expense | $650,000 | 8,552 |
| Salaries and employee benefits | $365,000 | 8,542 |
| Premises and equipment expense | $62,000 | 8,594 |
| Additional noninterest expense | $223,000 | 8,284 |
| Pre-tax net operating income | $195,000 | 7,833 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $20,000 | 6,788 |
| Income before extraordinary items | $175,000 | 7,887 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $175,000 | 7,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 2,991 |
| Cash dividends | $30,000 | 6,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $175,000 | 7,756 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $755,000 | 8,660 |
| Total interest expense | $178,000 | 8,749 |
| Net interest income | $577,000 | 8,536 |
| Provision for loan and lease losses | $46,000 | 5,848 |
| Total noninterest income | $96,000 | 8,074 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $80,000 | 6,507 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,420 |
| Total noninterest expense | $487,000 | 8,569 |
| Salaries and employee benefits | $272,000 | 8,547 |
| Premises and equipment expense | $47,000 | 8,619 |
| Additional noninterest expense | $168,000 | 8,284 |
| Pre-tax net operating income | $140,000 | 8,027 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $9,000 | 7,107 |
| Income before extraordinary items | $131,000 | 8,035 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $131,000 | 8,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,282 |
| Cash dividends | $15,000 | 5,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $131,000 | 7,900 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $509,000 | 8,704 |
| Total interest expense | $127,000 | 8,774 |
| Net interest income | $382,000 | 8,581 |
| Provision for loan and lease losses | $46,000 | 5,260 |
| Total noninterest income | $63,000 | 8,086 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $53,000 | 6,490 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $10,000 | 8,463 |
| Total noninterest expense | $328,000 | 8,579 |
| Salaries and employee benefits | $183,000 | 8,570 |
| Premises and equipment expense | $31,000 | 8,641 |
| Additional noninterest expense | $114,000 | 8,241 |
| Pre-tax net operating income | $71,000 | 8,226 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $-2,000 | 8,933 |
| Income before extraordinary items | $73,000 | 8,208 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $73,000 | 8,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,544 |
| Cash dividends | $15,000 | 5,086 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $73,000 | 8,054 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $275,000 | 8,698 |
| Total interest expense | $65,000 | 8,834 |
| Net interest income | $210,000 | 8,502 |
| Provision for loan and lease losses | $46,000 | 3,791 |
| Total noninterest income | $29,000 | 8,205 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $25,000 | 6,543 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $4,000 | 8,607 |
| Total noninterest expense | $165,000 | 8,607 |
| Salaries and employee benefits | $91,000 | 8,622 |
| Premises and equipment expense | $15,000 | 8,679 |
| Additional noninterest expense | $59,000 | 8,243 |
| Pre-tax net operating income | $28,000 | 8,341 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-13,000 | 9,090 |
| Income before extraordinary items | $41,000 | 8,078 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $41,000 | 8,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $41,000 | 7,929 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,114,000 | 8,755 |
| Total interest expense | $368,000 | 8,741 |
| Net interest income | $746,000 | 8,668 |
| Provision for loan and lease losses | $47,000 | 6,797 |
| Total noninterest income | $111,000 | 8,271 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $93,000 | 6,699 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $18,000 | 8,612 |
| Total noninterest expense | $662,000 | 8,625 |
| Salaries and employee benefits | $360,000 | 8,661 |
| Premises and equipment expense | $62,000 | 8,726 |
| Additional noninterest expense | $240,000 | 8,247 |
| Pre-tax net operating income | $148,000 | 8,119 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $48,000 | 6,561 |
| Income before extraordinary items | $100,000 | 8,336 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $100,000 | 8,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $30,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $100,000 | 8,246 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,239,000 | 8,964 |
| Total interest expense | $524,000 | 8,978 |
| Net interest income | $715,000 | 8,826 |
| Provision for loan and lease losses | $60,000 | 6,353 |
| Total noninterest income | $109,000 | 8,381 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $92,000 | 6,725 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $17,000 | 8,847 |
| Total noninterest expense | $611,000 | 8,901 |
| Salaries and employee benefits | $342,000 | 8,882 |
| Premises and equipment expense | $65,000 | 8,882 |
| Additional noninterest expense | $204,000 | 8,622 |
| Pre-tax net operating income | $153,000 | 8,092 |
| Securities gains (losses) | $34,000 | 2,711 |
| Applicable income taxes | $50,000 | 6,706 |
| Income before extraordinary items | $137,000 | 8,111 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $137,000 | 8,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,068 |
| Cash dividends | $30,000 | 6,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $112,180 | 8,153 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,303,000 | 9,149 |
| Total interest expense | $559,000 | 9,145 |
| Net interest income | $744,000 | 9,015 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $111,000 | 8,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 6,526 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $9,000 | 9,477 |
| Total noninterest expense | $593,000 | 9,114 |
| Salaries and employee benefits | $331,000 | 9,102 |
| Premises and equipment expense | $54,000 | 9,291 |
| Additional noninterest expense | $208,000 | 8,716 |
| Pre-tax net operating income | $192,000 | 8,399 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $43,000 | 7,354 |
| Income before extraordinary items | $149,000 | 8,423 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $149,000 | 8,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,889 |
| Cash dividends | $30,000 | 6,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $149,000 | 8,426 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,265,000 | 9,348 |
| Total interest expense | $547,000 | 9,335 |
| Net interest income | $718,000 | 9,243 |
| Provision for loan and lease losses | $70,000 | 5,912 |
| Total noninterest income | $122,000 | 8,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 6,709 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $22,000 | 9,178 |
| Total noninterest expense | $564,000 | 9,429 |
| Salaries and employee benefits | $319,000 | 9,361 |
| Premises and equipment expense | $49,000 | 9,658 |
| Additional noninterest expense | $196,000 | 9,069 |
| Pre-tax net operating income | $205,000 | 8,561 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $47,000 | 7,686 |
| Income before extraordinary items | $159,000 | 8,581 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $159,000 | 8,580 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,288 |
| Cash dividends | $30,000 | 6,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $158,230 | 8,544 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,251,000 | 9,596 |
| Total interest expense | $527,000 | 9,631 |
| Net interest income | $724,000 | 9,437 |
| Provision for loan and lease losses | $86,000 | 5,448 |
| Total noninterest income | $103,000 | 8,980 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 7,159 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,566 |
| Total noninterest expense | $573,000 | 9,537 |
| Salaries and employee benefits | $299,000 | 9,627 |
| Premises and equipment expense | $72,000 | 9,327 |
| Additional noninterest expense | $202,000 | 9,097 |
| Pre-tax net operating income | $168,000 | 9,077 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $40,000 | 8,514 |
| Income before extraordinary items | $128,000 | 9,131 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $128,000 | 9,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,100 |
| Cash dividends | $30,000 | 7,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $128,000 | 9,056 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,238,000 | 10,011 |
| Total interest expense | $514,000 | 10,067 |
| Net interest income | $724,000 | 9,871 |
| Provision for loan and lease losses | $18,000 | 7,986 |
| Total noninterest income | $116,000 | 9,128 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 7,244 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 9,956 |
| Total noninterest expense | $534,000 | 10,007 |
| Salaries and employee benefits | $285,000 | 10,062 |
| Premises and equipment expense | $57,000 | 10,024 |
| Additional noninterest expense | $192,000 | 9,519 |
| Pre-tax net operating income | $288,000 | 9,056 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $79,000 | 8,756 |
| Income before extraordinary items | $210,000 | 9,072 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $210,000 | 9,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $30,000 | 7,454 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $209,270 | 9,039 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,191,000 | 10,533 |
| Total interest expense | $505,000 | 10,584 |
| Net interest income | $686,000 | 10,429 |
| Provision for loan and lease losses | $22,000 | 7,876 |
| Total noninterest income | $87,000 | 10,143 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $80,000 | 7,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $7,000 | 11,116 |
| Total noninterest expense | $513,000 | 10,533 |
| Salaries and employee benefits | $280,000 | 10,504 |
| Premises and equipment expense | $55,000 | 10,490 |
| Additional noninterest expense | $178,000 | 10,199 |
| Pre-tax net operating income | $238,000 | 9,557 |
| Securities gains (losses) | $-52,000 | 11,047 |
| Applicable income taxes | $66,000 | 9,389 |
| Income before extraordinary items | $120,000 | 10,043 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $120,000 | 10,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 6,559 |
| Cash dividends | $30,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $153,800 | 9,700 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 11,078 |
| Total interest expense | $456,000 | 11,174 |
| Net interest income | $672,000 | 10,921 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $125,000 | 9,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,173 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 9,709 |
| Total noninterest expense | $548,000 | 10,807 |
| Salaries and employee benefits | $323,000 | 10,566 |
| Premises and equipment expense | $49,000 | 11,117 |
| Additional noninterest expense | $176,000 | 10,741 |
| Pre-tax net operating income | $249,000 | 10,122 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $78,000 | 9,622 |
| Income before extraordinary items | $171,000 | 10,254 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $171,000 | 10,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $30,000 | 8,164 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $171,000 | 10,227 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,051,000 | 11,614 |
| Total interest expense | $375,000 | 11,711 |
| Net interest income | $676,000 | 11,469 |
| Provision for loan and lease losses | $-23,000 | 11,864 |
| Total noninterest income | $99,000 | 10,776 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $87,000 | 8,467 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 11,965 |
| Total noninterest expense | $583,000 | 11,212 |
| Salaries and employee benefits | $327,000 | 10,954 |
| Premises and equipment expense | $47,000 | 11,731 |
| Additional noninterest expense | $209,000 | 11,024 |
| Pre-tax net operating income | $215,000 | 10,770 |
| Securities gains (losses) | $-62,000 | 11,197 |
| Applicable income taxes | $29,000 | 10,950 |
| Income before extraordinary items | $124,000 | 11,114 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $124,000 | 11,121 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-20,000 | 11,264 |
| Cash dividends | $30,000 | 8,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $174,220 | 10,607 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,046,000 | 12,187 |
| Total interest expense | $388,000 | 12,278 |
| Net interest income | $658,000 | 12,013 |
| Provision for loan and lease losses | $10,000 | 9,731 |
| Total noninterest income | $93,000 | 11,491 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $75,000 | 9,178 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 12,177 |
| Total noninterest expense | $526,000 | 12,033 |
| Salaries and employee benefits | $212,000 | 12,523 |
| Premises and equipment expense | $46,000 | 12,340 |
| Additional noninterest expense | $268,000 | 10,852 |
| Pre-tax net operating income | $215,000 | 10,913 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $5,000 | 11,956 |
| Income before extraordinary items | $211,000 | 10,515 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $211,000 | 10,620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 7,294 |
| Cash dividends | $30,000 | 8,419 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $210,020 | 10,297 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,145,000 | 12,724 |
| Total interest expense | $503,000 | 12,747 |
| Net interest income | $642,000 | 12,556 |
| Provision for loan and lease losses | $3,000 | 11,629 |
| Total noninterest income | $91,000 | 11,966 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $26,000 | 12,093 |
| Total noninterest expense | $525,000 | 12,489 |
| Salaries and employee benefits | $267,000 | 12,397 |
| Premises and equipment expense | $56,000 | 12,452 |
| Additional noninterest expense | $202,000 | 12,211 |
| Pre-tax net operating income | $205,000 | 11,029 |
| Securities gains (losses) | $13,000 | 6,142 |
| Applicable income taxes | $-10,000 | 13,396 |
| Income before extraordinary items | $228,000 | 10,203 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $228,000 | 10,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 8,614 |
| Cash dividends | $15,000 | 8,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $215,000 | 10,035 |
* 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.