Home > Citizens State Bank > Income and Expense
Citizens State Bank, Income and Expense
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,306,000 | 5,665 |
| Total interest expense | $271,000 | 5,557 |
| Net interest income | $2,035,000 | 5,633 |
| Provision for loan and lease losses | $0 | 5,091 |
| Total noninterest income | $424,000 | 4,662 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $297,000 | 3,375 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $127,000 | 5,131 |
| Total noninterest expense | $2,254,000 | 5,257 |
| Salaries and employee benefits | $1,372,000 | 4,981 |
| Premises and equipment expense | $223,000 | 5,386 |
| Additional noninterest expense | $659,000 | 5,433 |
| Pre-tax net operating income | $205,000 | 5,710 |
| Securities gains (losses) | $389,000 | 564 |
| Applicable income taxes | $185,000 | 3,001 |
| Income before extraordinary items | $409,000 | 5,122 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $409,000 | 5,125 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $409,000 | 5,125 |
| Net charge-offs | $14,000 | 4,987 |
| Cash dividends | $96,000 | 3,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $140,590 | 5,828 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $1,759,000 | 5,698 |
| Total interest expense | $206,000 | 5,636 |
| Net interest income | $1,553,000 | 5,659 |
| Provision for loan and lease losses | $0 | 4,941 |
| Total noninterest income | $203,000 | 5,355 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $223,000 | 3,393 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $-20,000 | 6,642 |
| Total noninterest expense | $1,498,000 | 5,496 |
| Salaries and employee benefits | $981,000 | 5,114 |
| Premises and equipment expense | $157,000 | 5,524 |
| Additional noninterest expense | $360,000 | 5,942 |
| Pre-tax net operating income | $258,000 | 5,484 |
| Securities gains (losses) | $103,000 | 1,199 |
| Applicable income taxes | $0 | 4,713 |
| Income before extraordinary items | $361,000 | 5,059 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $361,000 | 5,060 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $361,000 | 5,061 |
| Net charge-offs | $4,000 | 4,962 |
| Cash dividends | $72,000 | 3,458 |
| 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 | $1,159,000 | 5,751 |
| Total interest expense | $139,000 | 5,678 |
| Net interest income | $1,020,000 | 5,707 |
| Provision for loan and lease losses | $0 | 4,788 |
| Total noninterest income | $225,000 | 4,676 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $153,000 | 3,317 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $72,000 | 5,124 |
| Total noninterest expense | $980,000 | 5,557 |
| Salaries and employee benefits | $658,000 | 5,122 |
| Premises and equipment expense | $102,000 | 5,569 |
| Additional noninterest expense | $220,000 | 6,053 |
| Pre-tax net operating income | $265,000 | 5,004 |
| Securities gains (losses) | $34,000 | 1,755 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $299,000 | 4,755 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $299,000 | 4,758 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $299,000 | 4,759 |
| Net charge-offs | $7,000 | 4,432 |
| Cash dividends | $48,000 | 3,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $265,000 | 4,808 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $575,000 | 5,807 |
| Total interest expense | $72,000 | 5,711 |
| Net interest income | $503,000 | 5,765 |
| Provision for loan and lease losses | $0 | 4,409 |
| Total noninterest income | $122,000 | 4,522 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $78,000 | 3,270 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $44,000 | 4,869 |
| Total noninterest expense | $530,000 | 5,456 |
| Salaries and employee benefits | $332,000 | 5,152 |
| Premises and equipment expense | $50,000 | 5,653 |
| Additional noninterest expense | $148,000 | 5,693 |
| Pre-tax net operating income | $95,000 | 5,374 |
| Securities gains (losses) | $34,000 | 1,082 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $129,000 | 4,939 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $129,000 | 4,940 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $129,000 | 4,941 |
| Net charge-offs | $3,000 | 3,820 |
| Cash dividends | $24,000 | 2,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $95,000 | 5,212 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,443,000 | 5,844 |
| Total interest expense | $457,000 | 5,288 |
| Net interest income | $1,986,000 | 5,873 |
| Provision for loan and lease losses | $-216,000 | 6,933 |
| Total noninterest income | $495,000 | 4,508 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $342,000 | 3,232 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $153,000 | 4,915 |
| Total noninterest expense | $2,393,000 | 5,274 |
| Salaries and employee benefits | $1,433,000 | 4,946 |
| Premises and equipment expense | $233,000 | 5,488 |
| Additional noninterest expense | $727,000 | 5,470 |
| Pre-tax net operating income | $304,000 | 5,410 |
| Securities gains (losses) | $-9,000 | 6,735 |
| Applicable income taxes | $82,000 | 3,636 |
| Income before extraordinary items | $213,000 | 5,749 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $213,000 | 5,747 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $213,000 | 5,748 |
| Net charge-offs | $36,000 | 5,123 |
| Cash dividends | $96,000 | 4,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $219,480 | 5,548 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,898,000 | 5,877 |
| Total interest expense | $371,000 | 5,264 |
| Net interest income | $1,527,000 | 5,930 |
| Provision for loan and lease losses | $0 | 5,790 |
| Total noninterest income | $381,000 | 4,514 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $254,000 | 3,297 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $127,000 | 4,825 |
| Total noninterest expense | $1,754,000 | 5,363 |
| Salaries and employee benefits | $1,109,000 | 4,908 |
| Premises and equipment expense | $171,000 | 5,574 |
| Additional noninterest expense | $474,000 | 5,777 |
| Pre-tax net operating income | $154,000 | 5,853 |
| Securities gains (losses) | $184,000 | 1,500 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $338,000 | 5,189 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $338,000 | 5,187 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $338,000 | 5,187 |
| Net charge-offs | $4,000 | 5,545 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $154,000 | 5,758 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,294,000 | 5,888 |
| Total interest expense | $259,000 | 5,282 |
| Net interest income | $1,035,000 | 5,945 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $268,000 | 4,433 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $171,000 | 3,260 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 4,697 |
| Total noninterest expense | $1,168,000 | 5,404 |
| Salaries and employee benefits | $748,000 | 4,904 |
| Premises and equipment expense | $109,000 | 5,664 |
| Additional noninterest expense | $311,000 | 5,842 |
| Pre-tax net operating income | $135,000 | 5,675 |
| Securities gains (losses) | $109,000 | 1,528 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $244,000 | 5,086 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $244,000 | 5,088 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $244,000 | 5,088 |
| Net charge-offs | $2,000 | 5,336 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $135,000 | 5,543 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $646,000 | 5,940 |
| Total interest expense | $137,000 | 5,274 |
| Net interest income | $509,000 | 6,015 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $153,000 | 4,185 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $90,000 | 3,159 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $63,000 | 4,373 |
| Total noninterest expense | $600,000 | 5,377 |
| Salaries and employee benefits | $396,000 | 4,796 |
| Premises and equipment expense | $53,000 | 5,750 |
| Additional noninterest expense | $151,000 | 5,918 |
| Pre-tax net operating income | $62,000 | 5,795 |
| Securities gains (losses) | $101,000 | 906 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $163,000 | 4,717 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $163,000 | 4,721 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $163,000 | 4,721 |
| Net charge-offs | $1,000 | 4,615 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $62,000 | 5,698 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,943,000 | 5,803 |
| Total interest expense | $681,000 | 5,253 |
| Net interest income | $2,262,000 | 5,857 |
| Provision for loan and lease losses | $48,000 | 5,888 |
| Total noninterest income | $872,000 | 3,361 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $385,000 | 3,110 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $487,000 | 3,166 |
| Total noninterest expense | $2,719,000 | 5,135 |
| Salaries and employee benefits | $1,561,000 | 4,856 |
| Premises and equipment expense | $246,000 | 5,640 |
| Additional noninterest expense | $912,000 | 5,121 |
| Pre-tax net operating income | $367,000 | 5,060 |
| Securities gains (losses) | $245,000 | 1,297 |
| Applicable income taxes | $177,000 | 3,005 |
| Income before extraordinary items | $435,000 | 4,835 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $435,000 | 4,837 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $435,000 | 4,836 |
| Net charge-offs | $220,000 | 4,180 |
| Cash dividends | $96,000 | 3,796 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $261,050 | 5,254 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,249,000 | 5,825 |
| Total interest expense | $521,000 | 5,326 |
| Net interest income | $1,728,000 | 5,864 |
| Provision for loan and lease losses | $36,000 | 5,753 |
| Total noninterest income | $760,000 | 3,094 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $285,000 | 3,128 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $475,000 | 2,776 |
| Total noninterest expense | $2,010,000 | 5,182 |
| Salaries and employee benefits | $1,191,000 | 4,794 |
| Premises and equipment expense | $184,000 | 5,697 |
| Additional noninterest expense | $635,000 | 5,309 |
| Pre-tax net operating income | $442,000 | 4,645 |
| Securities gains (losses) | $221,000 | 1,137 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $663,000 | 3,855 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $663,000 | 3,857 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $663,000 | 3,857 |
| Net charge-offs | $47,000 | 5,015 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $442,000 | 4,386 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,495,000 | 5,885 |
| Total interest expense | $356,000 | 5,389 |
| Net interest income | $1,139,000 | 5,922 |
| Provision for loan and lease losses | $24,000 | 5,645 |
| Total noninterest income | $616,000 | 2,757 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $186,000 | 3,162 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $430,000 | 2,331 |
| Total noninterest expense | $1,350,000 | 5,214 |
| Salaries and employee benefits | $795,000 | 4,838 |
| Premises and equipment expense | $131,000 | 5,592 |
| Additional noninterest expense | $424,000 | 5,381 |
| Pre-tax net operating income | $381,000 | 4,274 |
| Securities gains (losses) | $166,000 | 825 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $547,000 | 3,395 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $547,000 | 3,396 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $547,000 | 3,396 |
| Net charge-offs | $11,000 | 5,313 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $381,000 | 3,972 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $739,000 | 5,941 |
| Total interest expense | $183,000 | 5,430 |
| Net interest income | $556,000 | 5,987 |
| Provision for loan and lease losses | $12,000 | 5,317 |
| Total noninterest income | $164,000 | 3,988 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $92,000 | 3,157 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $72,000 | 4,081 |
| Total noninterest expense | $656,000 | 5,318 |
| Salaries and employee benefits | $410,000 | 4,801 |
| Premises and equipment expense | $67,000 | 5,600 |
| Additional noninterest expense | $179,000 | 5,788 |
| Pre-tax net operating income | $52,000 | 5,726 |
| Securities gains (losses) | $149,000 | 416 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $201,000 | 3,979 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $201,000 | 3,978 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $201,000 | 3,979 |
| Net charge-offs | $10,000 | 4,385 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $52,000 | 5,627 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 5,862 |
| Total interest expense | $976,000 | 5,279 |
| Net interest income | $2,312,000 | 5,943 |
| Provision for loan and lease losses | $2,117,000 | 1,995 |
| Total noninterest income | $632,000 | 4,130 |
| Gross Fiduciary activities income | $1,000 | 1,307 |
| Service charges on deposit accounts | $380,000 | 3,159 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $251,000 | 4,247 |
| Total noninterest expense | $2,607,000 | 5,395 |
| Salaries and employee benefits | $1,510,000 | 5,044 |
| Premises and equipment expense | $220,000 | 6,040 |
| Additional noninterest expense | $877,000 | 5,408 |
| Pre-tax net operating income | $-1,780,000 | 6,719 |
| Securities gains (losses) | $222,000 | 1,508 |
| Applicable income taxes | $-574,000 | 7,203 |
| Income before extraordinary items | $-984,000 | 6,581 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-984,000 | 6,582 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-984,000 | 6,582 |
| Net charge-offs | $2,031,000 | 1,842 |
| Cash dividends | $96,000 | 3,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-1,126,080 | 6,604 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 5,870 |
| Total interest expense | $765,000 | 5,340 |
| Net interest income | $1,804,000 | 5,929 |
| Provision for loan and lease losses | $36,000 | 6,452 |
| Total noninterest income | $470,000 | 4,188 |
| Gross Fiduciary activities income | $1,000 | 1,261 |
| Service charges on deposit accounts | $280,000 | 3,272 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $189,000 | 4,261 |
| Total noninterest expense | $1,953,000 | 5,429 |
| Salaries and employee benefits | $1,195,000 | 4,933 |
| Premises and equipment expense | $168,000 | 6,058 |
| Additional noninterest expense | $590,000 | 5,688 |
| Pre-tax net operating income | $285,000 | 4,912 |
| Securities gains (losses) | $222,000 | 1,296 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $507,000 | 4,087 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $507,000 | 4,090 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $507,000 | 4,090 |
| Net charge-offs | $14,000 | 6,146 |
| Cash dividends | $72,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $285,000 | 4,747 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,703,000 | 5,925 |
| Total interest expense | $531,000 | 5,339 |
| Net interest income | $1,172,000 | 6,010 |
| Provision for loan and lease losses | $24,000 | 6,332 |
| Total noninterest income | $331,000 | 4,053 |
| Gross Fiduciary activities income | $1,000 | 1,231 |
| Service charges on deposit accounts | $181,000 | 3,350 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $149,000 | 3,996 |
| Total noninterest expense | $1,304,000 | 5,450 |
| Salaries and employee benefits | $796,000 | 4,943 |
| Premises and equipment expense | $110,000 | 6,131 |
| Additional noninterest expense | $398,000 | 5,672 |
| Pre-tax net operating income | $175,000 | 5,062 |
| Securities gains (losses) | $136,000 | 1,206 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $311,000 | 4,233 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $311,000 | 4,232 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $311,000 | 4,232 |
| Net charge-offs | $8,000 | 5,913 |
| Cash dividends | $24,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $175,000 | 4,909 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $851,000 | 5,983 |
| Total interest expense | $276,000 | 5,382 |
| Net interest income | $575,000 | 6,102 |
| Provision for loan and lease losses | $12,000 | 6,061 |
| Total noninterest income | $141,000 | 4,413 |
| Gross Fiduciary activities income | $1,000 | 1,185 |
| Service charges on deposit accounts | $85,000 | 3,471 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $55,000 | 4,521 |
| Total noninterest expense | $656,000 | 5,492 |
| Salaries and employee benefits | $397,000 | 5,023 |
| Premises and equipment expense | $49,000 | 6,432 |
| Additional noninterest expense | $210,000 | 5,567 |
| Pre-tax net operating income | $48,000 | 5,681 |
| Securities gains (losses) | $125,000 | 698 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $173,000 | 4,140 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $173,000 | 4,139 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $173,000 | 4,139 |
| Net charge-offs | $-3,000 | 7,154 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $48,000 | 5,628 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,725,000 | 5,878 |
| Total interest expense | $1,264,000 | 5,545 |
| Net interest income | $2,461,000 | 5,873 |
| Provision for loan and lease losses | $98,000 | 6,472 |
| Total noninterest income | $497,000 | 4,738 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $386,000 | 3,397 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $109,000 | 5,536 |
| Total noninterest expense | $2,679,000 | 5,494 |
| Salaries and employee benefits | $1,564,000 | 5,070 |
| Premises and equipment expense | $233,000 | 6,212 |
| Additional noninterest expense | $882,000 | 5,572 |
| Pre-tax net operating income | $181,000 | 4,857 |
| Securities gains (losses) | $216,000 | 1,497 |
| Applicable income taxes | $52,000 | 3,240 |
| Income before extraordinary items | $345,000 | 4,335 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $345,000 | 4,335 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $345,000 | 4,336 |
| Net charge-offs | $134,000 | 5,438 |
| Cash dividends | $96,000 | 4,171 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $157,080 | 4,898 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,853,000 | 5,898 |
| Total interest expense | $986,000 | 5,599 |
| Net interest income | $1,867,000 | 5,868 |
| Provision for loan and lease losses | $86,000 | 6,164 |
| Total noninterest income | $373,000 | 4,798 |
| Gross Fiduciary activities income | $1,000 | 1,297 |
| Service charges on deposit accounts | $286,000 | 3,426 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $86,000 | 5,591 |
| Total noninterest expense | $1,960,000 | 5,574 |
| Salaries and employee benefits | $1,195,000 | 5,058 |
| Premises and equipment expense | $165,000 | 6,369 |
| Additional noninterest expense | $600,000 | 5,820 |
| Pre-tax net operating income | $194,000 | 4,949 |
| Securities gains (losses) | $193,000 | 1,310 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $387,000 | 4,102 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $387,000 | 4,099 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $387,000 | 4,102 |
| Net charge-offs | $29,000 | 6,056 |
| Cash dividends | $48,000 | 3,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $194,000 | 4,819 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,913,000 | 5,941 |
| Total interest expense | $677,000 | 5,644 |
| Net interest income | $1,236,000 | 5,899 |
| Provision for loan and lease losses | $74,000 | 5,670 |
| Total noninterest income | $243,000 | 4,861 |
| Gross Fiduciary activities income | $1,000 | 1,272 |
| Service charges on deposit accounts | $188,000 | 3,425 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $54,000 | 5,737 |
| Total noninterest expense | $1,303,000 | 5,630 |
| Salaries and employee benefits | $797,000 | 5,107 |
| Premises and equipment expense | $106,000 | 6,477 |
| Additional noninterest expense | $400,000 | 5,833 |
| Pre-tax net operating income | $102,000 | 5,200 |
| Securities gains (losses) | $182,000 | 1,070 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $284,000 | 4,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $284,000 | 4,045 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $284,000 | 4,045 |
| Net charge-offs | $18,000 | 5,684 |
| Cash dividends | $24,000 | 3,840 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $102,000 | 5,096 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $965,000 | 5,963 |
| Total interest expense | $346,000 | 5,703 |
| Net interest income | $619,000 | 5,918 |
| Provision for loan and lease losses | $62,000 | 4,596 |
| Total noninterest income | $143,000 | 4,506 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $94,000 | 3,374 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $49,000 | 4,878 |
| Total noninterest expense | $610,000 | 5,762 |
| Salaries and employee benefits | $394,000 | 5,197 |
| Premises and equipment expense | $53,000 | 6,520 |
| Additional noninterest expense | $163,000 | 6,106 |
| Pre-tax net operating income | $90,000 | 5,135 |
| Securities gains (losses) | $152,000 | 789 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $242,000 | 3,504 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $242,000 | 3,505 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $242,000 | 3,505 |
| Net charge-offs | $11,000 | 4,708 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $90,000 | 4,928 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,097,000 | 5,948 |
| Total interest expense | $1,560,000 | 5,901 |
| Net interest income | $2,537,000 | 5,873 |
| Provision for loan and lease losses | $248,000 | 4,924 |
| Total noninterest income | $982,000 | 3,449 |
| Gross Fiduciary activities income | $2,000 | 1,351 |
| Service charges on deposit accounts | $448,000 | 3,237 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $532,000 | 3,078 |
| Total noninterest expense | $2,742,000 | 5,387 |
| Salaries and employee benefits | $1,593,000 | 5,146 |
| Premises and equipment expense | $297,000 | 5,830 |
| Additional noninterest expense | $852,000 | 5,299 |
| Pre-tax net operating income | $529,000 | 4,781 |
| Securities gains (losses) | $118,000 | 1,009 |
| Applicable income taxes | $147,000 | 3,086 |
| Income before extraordinary items | $500,000 | 4,456 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $500,000 | 4,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 4,346 |
| Cash dividends | $96,000 | 5,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $409,140 | 4,897 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,088,000 | 6,008 |
| Total interest expense | $1,212,000 | 5,939 |
| Net interest income | $1,876,000 | 5,952 |
| Provision for loan and lease losses | $36,000 | 6,153 |
| Total noninterest income | $513,000 | 4,281 |
| Gross Fiduciary activities income | $2,000 | 1,311 |
| Service charges on deposit accounts | $335,000 | 3,275 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $176,000 | 4,679 |
| Total noninterest expense | $1,917,000 | 5,587 |
| Salaries and employee benefits | $1,178,000 | 5,230 |
| Premises and equipment expense | $178,000 | 6,384 |
| Additional noninterest expense | $561,000 | 5,603 |
| Pre-tax net operating income | $436,000 | 5,153 |
| Securities gains (losses) | $118,000 | 858 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $554,000 | 4,245 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $554,000 | 4,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,791 |
| Cash dividends | $72,000 | 4,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $436,000 | 4,816 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,084,000 | 6,051 |
| Total interest expense | $854,000 | 5,953 |
| Net interest income | $1,230,000 | 6,003 |
| Provision for loan and lease losses | $24,000 | 5,853 |
| Total noninterest income | $297,000 | 4,647 |
| Gross Fiduciary activities income | $2,000 | 1,285 |
| Service charges on deposit accounts | $216,000 | 3,330 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $79,000 | 5,437 |
| Total noninterest expense | $1,277,000 | 5,621 |
| Salaries and employee benefits | $782,000 | 5,292 |
| Premises and equipment expense | $116,000 | 6,460 |
| Additional noninterest expense | $379,000 | 5,564 |
| Pre-tax net operating income | $226,000 | 5,646 |
| Securities gains (losses) | $118,000 | 850 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $344,000 | 4,766 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $344,000 | 4,767 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 4,683 |
| Cash dividends | $48,000 | 4,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $226,000 | 5,363 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,042,000 | 6,126 |
| Total interest expense | $455,000 | 5,970 |
| Net interest income | $587,000 | 6,146 |
| Provision for loan and lease losses | $12,000 | 5,324 |
| Total noninterest income | $163,000 | 4,421 |
| Gross Fiduciary activities income | $2,000 | 1,203 |
| Service charges on deposit accounts | $114,000 | 3,168 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $47,000 | 5,178 |
| Total noninterest expense | $642,000 | 5,621 |
| Salaries and employee benefits | $386,000 | 5,348 |
| Premises and equipment expense | $58,000 | 6,485 |
| Additional noninterest expense | $198,000 | 5,404 |
| Pre-tax net operating income | $96,000 | 6,044 |
| Securities gains (losses) | $20,000 | 1,596 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $116,000 | 5,625 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $116,000 | 5,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,796 |
| Cash dividends | $24,000 | 3,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $96,000 | 5,810 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,162,000 | 6,151 |
| Total interest expense | $1,800,000 | 6,053 |
| Net interest income | $2,362,000 | 6,117 |
| Provision for loan and lease losses | $150,000 | 4,308 |
| Total noninterest income | $646,000 | 4,482 |
| Gross Fiduciary activities income | $3,000 | 1,373 |
| Service charges on deposit accounts | $484,000 | 3,111 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $159,000 | 5,478 |
| Total noninterest expense | $2,837,000 | 5,182 |
| Salaries and employee benefits | $1,698,000 | 4,934 |
| Premises and equipment expense | $285,000 | 5,906 |
| Additional noninterest expense | $854,000 | 5,132 |
| Pre-tax net operating income | $21,000 | 7,374 |
| Securities gains (losses) | $-244,000 | 8,281 |
| Applicable income taxes | $-161,000 | 8,095 |
| Income before extraordinary items | $-62,000 | 7,585 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-62,000 | 7,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,496 |
| Cash dividends | $896,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $94,160 | 7,135 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,121,000 | 6,190 |
| Total interest expense | $1,338,000 | 6,104 |
| Net interest income | $1,783,000 | 6,138 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $467,000 | 4,567 |
| Gross Fiduciary activities income | $2,000 | 1,352 |
| Service charges on deposit accounts | $340,000 | 3,267 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $125,000 | 5,405 |
| Total noninterest expense | $2,054,000 | 5,273 |
| Salaries and employee benefits | $1,251,000 | 4,962 |
| Premises and equipment expense | $211,000 | 5,948 |
| Additional noninterest expense | $592,000 | 5,344 |
| Pre-tax net operating income | $196,000 | 6,984 |
| Securities gains (losses) | $-244,000 | 8,394 |
| Applicable income taxes | $-8,000 | 8,017 |
| Income before extraordinary items | $-40,000 | 7,762 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-40,000 | 7,759 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,840 |
| Cash dividends | $72,000 | 4,835 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $162,520 | 6,970 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,094,000 | 6,206 |
| Total interest expense | $894,000 | 6,119 |
| Net interest income | $1,200,000 | 6,158 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $301,000 | 4,655 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $220,000 | 3,309 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $81,000 | 5,499 |
| Total noninterest expense | $1,375,000 | 5,297 |
| Salaries and employee benefits | $833,000 | 4,994 |
| Premises and equipment expense | $135,000 | 6,081 |
| Additional noninterest expense | $407,000 | 5,246 |
| Pre-tax net operating income | $126,000 | 7,112 |
| Securities gains (losses) | $-244,000 | 8,483 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $-118,000 | 8,028 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-118,000 | 8,027 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,609 |
| Cash dividends | $72,000 | 4,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $126,000 | 6,914 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,027,000 | 6,261 |
| Total interest expense | $452,000 | 6,094 |
| Net interest income | $575,000 | 6,266 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $173,000 | 4,313 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $110,000 | 3,249 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $63,000 | 4,645 |
| Total noninterest expense | $692,000 | 5,294 |
| Salaries and employee benefits | $417,000 | 5,029 |
| Premises and equipment expense | $71,000 | 5,997 |
| Additional noninterest expense | $204,000 | 5,201 |
| Pre-tax net operating income | $56,000 | 7,208 |
| Securities gains (losses) | $-8,000 | 8,229 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $48,000 | 7,181 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $48,000 | 7,181 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 2,158 |
| Cash dividends | $48,000 | 3,625 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $56,000 | 7,054 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,825,000 | 6,234 |
| Total interest expense | $1,421,000 | 6,232 |
| Net interest income | $2,404,000 | 6,132 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $755,000 | 4,195 |
| Gross Fiduciary activities income | $2,000 | 1,427 |
| Service charges on deposit accounts | $546,000 | 2,877 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $207,000 | 5,061 |
| Total noninterest expense | $2,813,000 | 5,108 |
| Salaries and employee benefits | $1,653,000 | 4,887 |
| Premises and equipment expense | $260,000 | 6,109 |
| Additional noninterest expense | $900,000 | 4,858 |
| Pre-tax net operating income | $346,000 | 6,963 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $40,000 | 5,584 |
| Income before extraordinary items | $306,000 | 6,886 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $306,000 | 6,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $188,000 | 2,267 |
| Cash dividends | $96,000 | 5,477 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $306,000 | 6,890 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,816,000 | 6,303 |
| Total interest expense | $1,019,000 | 6,280 |
| Net interest income | $1,797,000 | 6,195 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $570,000 | 4,181 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $421,000 | 2,841 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $149,000 | 5,140 |
| Total noninterest expense | $2,084,000 | 5,130 |
| Salaries and employee benefits | $1,233,000 | 4,881 |
| Premises and equipment expense | $185,000 | 6,275 |
| Additional noninterest expense | $666,000 | 4,883 |
| Pre-tax net operating income | $283,000 | 7,080 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $-51,000 | 8,510 |
| Income before extraordinary items | $334,000 | 6,538 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $334,000 | 6,539 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 2,886 |
| Cash dividends | $96,000 | 4,781 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $334,000 | 6,542 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,870,000 | 6,294 |
| Total interest expense | $648,000 | 6,298 |
| Net interest income | $1,222,000 | 6,178 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $396,000 | 4,065 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $281,000 | 2,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 4,830 |
| Total noninterest expense | $1,378,000 | 5,177 |
| Salaries and employee benefits | $823,000 | 4,906 |
| Premises and equipment expense | $112,000 | 6,510 |
| Additional noninterest expense | $443,000 | 4,875 |
| Pre-tax net operating income | $240,000 | 6,824 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $-35,000 | 8,555 |
| Income before extraordinary items | $275,000 | 6,187 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $275,000 | 6,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 2,906 |
| Cash dividends | $48,000 | 4,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $275,000 | 6,193 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $934,000 | 6,261 |
| Total interest expense | $307,000 | 6,342 |
| Net interest income | $627,000 | 6,116 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $210,000 | 3,879 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $133,000 | 2,855 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $77,000 | 4,231 |
| Total noninterest expense | $681,000 | 5,217 |
| Salaries and employee benefits | $410,000 | 4,928 |
| Premises and equipment expense | $53,000 | 6,629 |
| Additional noninterest expense | $218,000 | 4,907 |
| Pre-tax net operating income | $156,000 | 6,342 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $-17,000 | 8,559 |
| Income before extraordinary items | $173,000 | 5,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $173,000 | 5,648 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 2,260 |
| Cash dividends | $48,000 | 3,616 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $173,000 | 5,638 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,467,000 | 6,211 |
| Total interest expense | $1,042,000 | 6,186 |
| Net interest income | $2,425,000 | 6,130 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $736,000 | 4,244 |
| Gross Fiduciary activities income | $4,000 | 1,396 |
| Service charges on deposit accounts | $573,000 | 2,756 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $159,000 | 5,623 |
| Total noninterest expense | $2,871,000 | 4,931 |
| Salaries and employee benefits | $1,697,000 | 4,667 |
| Premises and equipment expense | $263,000 | 6,074 |
| Additional noninterest expense | $911,000 | 4,727 |
| Pre-tax net operating income | $290,000 | 7,425 |
| Securities gains (losses) | $-16,000 | 7,722 |
| Applicable income taxes | $-25,000 | 8,510 |
| Income before extraordinary items | $299,000 | 7,187 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $299,000 | 7,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $96,000 | 5,544 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $315,000 | 7,095 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,569,000 | 6,237 |
| Total interest expense | $771,000 | 6,112 |
| Net interest income | $1,798,000 | 6,190 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $559,000 | 4,227 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $422,000 | 2,798 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $137,000 | 5,359 |
| Total noninterest expense | $2,051,000 | 5,050 |
| Salaries and employee benefits | $1,232,000 | 4,744 |
| Premises and equipment expense | $182,000 | 6,253 |
| Additional noninterest expense | $637,000 | 4,917 |
| Pre-tax net operating income | $306,000 | 7,179 |
| Securities gains (losses) | $-16,000 | 8,085 |
| Applicable income taxes | $-50,000 | 8,683 |
| Income before extraordinary items | $340,000 | 6,713 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $340,000 | 6,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,273 |
| Cash dividends | $96,000 | 4,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $356,000 | 6,574 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,667,000 | 6,262 |
| Total interest expense | $493,000 | 6,078 |
| Net interest income | $1,174,000 | 6,246 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $391,000 | 4,108 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $268,000 | 2,860 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $123,000 | 4,757 |
| Total noninterest expense | $1,355,000 | 5,079 |
| Salaries and employee benefits | $817,000 | 4,741 |
| Premises and equipment expense | $122,000 | 6,241 |
| Additional noninterest expense | $416,000 | 4,955 |
| Pre-tax net operating income | $210,000 | 7,154 |
| Securities gains (losses) | $5,000 | 1,582 |
| Applicable income taxes | $-33,000 | 8,690 |
| Income before extraordinary items | $248,000 | 6,530 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $248,000 | 6,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $48,000 | 4,762 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $243,000 | 6,519 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $813,000 | 6,341 |
| Total interest expense | $237,000 | 6,114 |
| Net interest income | $576,000 | 6,336 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $179,000 | 4,262 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $125,000 | 2,945 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $54,000 | 5,007 |
| Total noninterest expense | $670,000 | 5,150 |
| Salaries and employee benefits | $403,000 | 4,818 |
| Premises and equipment expense | $60,000 | 6,332 |
| Additional noninterest expense | $207,000 | 4,958 |
| Pre-tax net operating income | $85,000 | 7,424 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $-17,000 | 8,728 |
| Income before extraordinary items | $102,000 | 6,865 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $102,000 | 6,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $48,000 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $102,000 | 6,832 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,306,000 | 6,137 |
| Total interest expense | $852,000 | 6,093 |
| Net interest income | $2,454,000 | 6,069 |
| Provision for loan and lease losses | $165,000 | 4,077 |
| Total noninterest income | $763,000 | 4,182 |
| Gross Fiduciary activities income | $4,000 | 1,430 |
| Service charges on deposit accounts | $543,000 | 2,962 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $216,000 | 4,947 |
| Total noninterest expense | $2,692,000 | 5,041 |
| Salaries and employee benefits | $1,559,000 | 4,805 |
| Premises and equipment expense | $251,000 | 6,176 |
| Additional noninterest expense | $882,000 | 4,766 |
| Pre-tax net operating income | $360,000 | 7,238 |
| Securities gains (losses) | $96,000 | 1,275 |
| Applicable income taxes | $-115,000 | 8,750 |
| Income before extraordinary items | $571,000 | 6,066 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $571,000 | 6,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 2,007 |
| Cash dividends | $96,000 | 5,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $475,000 | 6,389 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,497,000 | 6,113 |
| Total interest expense | $636,000 | 6,097 |
| Net interest income | $1,861,000 | 6,040 |
| Provision for loan and lease losses | $115,000 | 4,038 |
| Total noninterest income | $561,000 | 4,252 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $405,000 | 2,982 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $156,000 | 5,039 |
| Total noninterest expense | $1,864,000 | 5,287 |
| Salaries and employee benefits | $1,038,000 | 5,190 |
| Premises and equipment expense | $173,000 | 6,379 |
| Additional noninterest expense | $653,000 | 4,763 |
| Pre-tax net operating income | $443,000 | 6,568 |
| Securities gains (losses) | $61,000 | 1,510 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $504,000 | 5,795 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $504,000 | 5,795 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,669 |
| Cash dividends | $96,000 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $443,000 | 6,017 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,666,000 | 6,142 |
| Total interest expense | $419,000 | 6,159 |
| Net interest income | $1,247,000 | 6,036 |
| Provision for loan and lease losses | $100,000 | 3,453 |
| Total noninterest income | $382,000 | 4,204 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $267,000 | 2,978 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $115,000 | 4,884 |
| Total noninterest expense | $1,230,000 | 5,348 |
| Salaries and employee benefits | $681,000 | 5,277 |
| Premises and equipment expense | $101,000 | 6,751 |
| Additional noninterest expense | $448,000 | 4,694 |
| Pre-tax net operating income | $299,000 | 6,506 |
| Securities gains (losses) | $24,000 | 1,931 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $323,000 | 5,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $323,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,669 |
| Cash dividends | $48,000 | 4,712 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $299,000 | 5,963 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $818,000 | 6,199 |
| Total interest expense | $212,000 | 6,188 |
| Net interest income | $606,000 | 6,128 |
| Provision for loan and lease losses | $55,000 | 3,182 |
| Total noninterest income | $209,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $128,000 | 3,017 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $81,000 | 4,156 |
| Total noninterest expense | $584,000 | 5,540 |
| Salaries and employee benefits | $329,000 | 5,418 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $205,000 | 4,985 |
| Pre-tax net operating income | $176,000 | 6,113 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $177,000 | 5,629 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $177,000 | 5,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,181 |
| Cash dividends | $48,000 | 3,430 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $176,000 | 5,524 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 6,061 |
| Total interest expense | $966,000 | 6,212 |
| Net interest income | $2,510,000 | 5,889 |
| Provision for loan and lease losses | $460,000 | 2,309 |
| Total noninterest income | $757,000 | 4,358 |
| Gross Fiduciary activities income | $3,000 | 1,497 |
| Service charges on deposit accounts | $586,000 | 2,746 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $168,000 | 5,619 |
| Total noninterest expense | $2,494,000 | 5,219 |
| Salaries and employee benefits | $1,265,000 | 5,454 |
| Premises and equipment expense | $232,000 | 6,415 |
| Additional noninterest expense | $997,000 | 4,289 |
| Pre-tax net operating income | $313,000 | 7,387 |
| Securities gains (losses) | $57,000 | 2,386 |
| Applicable income taxes | $-310,000 | 9,061 |
| Income before extraordinary items | $680,000 | 5,666 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $680,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $231,000 | 2,636 |
| Cash dividends | $80,000 | 5,694 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $623,000 | 5,693 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,629,000 | 6,107 |
| Total interest expense | $750,000 | 6,279 |
| Net interest income | $1,879,000 | 5,925 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $577,000 | 4,362 |
| Gross Fiduciary activities income | $1,000 | 1,533 |
| Service charges on deposit accounts | $443,000 | 2,730 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $133,000 | 5,568 |
| Total noninterest expense | $1,725,000 | 5,500 |
| Salaries and employee benefits | $927,000 | 5,499 |
| Premises and equipment expense | $159,000 | 6,640 |
| Additional noninterest expense | $639,000 | 4,791 |
| Pre-tax net operating income | $551,000 | 6,073 |
| Securities gains (losses) | $32,000 | 2,649 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $583,000 | 5,473 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $583,000 | 5,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,634 |
| Cash dividends | $80,000 | 4,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $551,000 | 5,421 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,768,000 | 6,122 |
| Total interest expense | $515,000 | 6,307 |
| Net interest income | $1,253,000 | 5,925 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $383,000 | 4,358 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $290,000 | 2,728 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $93,000 | 5,446 |
| Total noninterest expense | $1,121,000 | 5,577 |
| Salaries and employee benefits | $600,000 | 5,613 |
| Premises and equipment expense | $106,000 | 6,619 |
| Additional noninterest expense | $415,000 | 4,872 |
| Pre-tax net operating income | $395,000 | 5,892 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $395,000 | 5,444 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $395,000 | 5,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,876 |
| Cash dividends | $40,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $395,000 | 5,234 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $909,000 | 6,066 |
| Total interest expense | $266,000 | 6,302 |
| Net interest income | $643,000 | 5,831 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $189,000 | 4,304 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $141,000 | 2,710 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $48,000 | 5,346 |
| Total noninterest expense | $538,000 | 5,726 |
| Salaries and employee benefits | $301,000 | 5,616 |
| Premises and equipment expense | $51,000 | 6,736 |
| Additional noninterest expense | $186,000 | 5,230 |
| Pre-tax net operating income | $294,000 | 4,837 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $294,000 | 4,301 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $294,000 | 4,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 1,716 |
| Cash dividends | $40,000 | 3,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $294,000 | 4,109 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,780,000 | 6,090 |
| Total interest expense | $1,384,000 | 5,970 |
| Net interest income | $2,396,000 | 6,049 |
| Provision for loan and lease losses | $1,145,000 | 1,189 |
| Total noninterest income | $699,000 | 4,340 |
| Gross Fiduciary activities income | $7,000 | 1,461 |
| Service charges on deposit accounts | $536,000 | 2,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $156,000 | 5,511 |
| Total noninterest expense | $2,135,000 | 5,639 |
| Salaries and employee benefits | $1,136,000 | 5,686 |
| Premises and equipment expense | $200,000 | 6,781 |
| Additional noninterest expense | $799,000 | 4,925 |
| Pre-tax net operating income | $-185,000 | 8,827 |
| Securities gains (losses) | $60,000 | 2,237 |
| Applicable income taxes | $-75,000 | 9,038 |
| Income before extraordinary items | $-50,000 | 8,793 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-50,000 | 8,793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $618,000 | 1,400 |
| Cash dividends | $80,000 | 5,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-88,400 | 8,763 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,860,000 | 6,467 |
| Total interest expense | $1,980,000 | 6,125 |
| Net interest income | $1,880,000 | 6,639 |
| Provision for loan and lease losses | $400,000 | 2,609 |
| Total noninterest income | $727,000 | 4,096 |
| Gross Fiduciary activities income | $6,000 | 1,512 |
| Service charges on deposit accounts | $558,000 | 2,597 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $163,000 | 5,360 |
| Total noninterest expense | $1,899,000 | 5,937 |
| Salaries and employee benefits | $1,031,000 | 5,878 |
| Premises and equipment expense | $192,000 | 6,897 |
| Additional noninterest expense | $676,000 | 5,413 |
| Pre-tax net operating income | $308,000 | 7,379 |
| Securities gains (losses) | $65,000 | 2,113 |
| Applicable income taxes | $-128,000 | 9,309 |
| Income before extraordinary items | $501,000 | 6,072 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $501,000 | 6,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $285,000 | 2,319 |
| Cash dividends | $80,000 | 5,886 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $436,000 | 6,254 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,630,000 | 6,796 |
| Total interest expense | $1,820,000 | 6,558 |
| Net interest income | $1,810,000 | 6,905 |
| Provision for loan and lease losses | $123,000 | 4,793 |
| Total noninterest income | $624,000 | 4,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,291 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $231,000 | 4,461 |
| Total noninterest expense | $1,795,000 | 6,063 |
| Salaries and employee benefits | $966,000 | 6,061 |
| Premises and equipment expense | $187,000 | 6,963 |
| Additional noninterest expense | $642,000 | 5,517 |
| Pre-tax net operating income | $516,000 | 6,922 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $516,000 | 6,234 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $516,000 | 6,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,555 |
| Cash dividends | $80,000 | 6,117 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $516,000 | 6,253 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,359,000 | 6,978 |
| Total interest expense | $1,562,000 | 6,815 |
| Net interest income | $1,797,000 | 7,014 |
| Provision for loan and lease losses | $124,000 | 4,675 |
| Total noninterest income | $425,000 | 5,433 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 3,767 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,614 |
| Total noninterest expense | $1,589,000 | 6,556 |
| Salaries and employee benefits | $916,000 | 6,230 |
| Premises and equipment expense | $169,000 | 7,339 |
| Additional noninterest expense | $504,000 | 6,491 |
| Pre-tax net operating income | $509,000 | 7,099 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $7,000 | 8,560 |
| Income before extraordinary items | $501,000 | 6,433 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $501,000 | 6,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,224 |
| Cash dividends | $80,000 | 6,280 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $501,990 | 6,407 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,336,000 | 7,134 |
| Total interest expense | $1,540,000 | 7,107 |
| Net interest income | $1,796,000 | 7,064 |
| Provision for loan and lease losses | $171,000 | 3,894 |
| Total noninterest income | $498,000 | 4,948 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $236,000 | 4,679 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,307 |
| Total noninterest expense | $1,497,000 | 6,709 |
| Salaries and employee benefits | $852,000 | 6,460 |
| Premises and equipment expense | $183,000 | 6,997 |
| Additional noninterest expense | $462,000 | 6,705 |
| Pre-tax net operating income | $626,000 | 6,784 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $117,000 | 7,286 |
| Income before extraordinary items | $513,000 | 6,535 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $513,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,036 |
| Cash dividends | $80,000 | 6,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $509,760 | 6,438 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,182,000 | 7,533 |
| Total interest expense | $1,497,000 | 7,354 |
| Net interest income | $1,685,000 | 7,587 |
| Provision for loan and lease losses | $159,000 | 4,019 |
| Total noninterest income | $468,000 | 5,210 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $242,000 | 4,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $226,000 | 4,666 |
| Total noninterest expense | $1,405,000 | 7,022 |
| Salaries and employee benefits | $791,000 | 6,833 |
| Premises and equipment expense | $186,000 | 7,092 |
| Additional noninterest expense | $428,000 | 7,122 |
| Pre-tax net operating income | $589,000 | 7,476 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $123,000 | 8,030 |
| Income before extraordinary items | $467,000 | 7,188 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $467,000 | 7,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $128,000 | 3,318 |
| Cash dividends | $80,000 | 6,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $466,210 | 7,141 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 7,864 |
| Total interest expense | $1,422,000 | 7,780 |
| Net interest income | $1,690,000 | 7,805 |
| Provision for loan and lease losses | $144,000 | 4,186 |
| Total noninterest income | $416,000 | 5,818 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,810 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $165,000 | 5,697 |
| Total noninterest expense | $1,404,000 | 7,379 |
| Salaries and employee benefits | $748,000 | 7,259 |
| Premises and equipment expense | $149,000 | 8,083 |
| Additional noninterest expense | $507,000 | 7,000 |
| Pre-tax net operating income | $558,000 | 7,638 |
| Securities gains (losses) | $-15,000 | 10,479 |
| Applicable income taxes | $114,000 | 8,499 |
| Income before extraordinary items | $429,000 | 7,386 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $429,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 4,641 |
| Cash dividends | $80,000 | 7,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $440,850 | 7,258 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,882,000 | 8,399 |
| Total interest expense | $1,398,000 | 7,980 |
| Net interest income | $1,484,000 | 8,576 |
| Provision for loan and lease losses | $66,000 | 5,523 |
| Total noninterest income | $364,000 | 6,333 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 4,987 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $116,000 | 6,743 |
| Total noninterest expense | $1,351,000 | 7,730 |
| Salaries and employee benefits | $737,000 | 7,477 |
| Premises and equipment expense | $144,000 | 8,429 |
| Additional noninterest expense | $470,000 | 7,519 |
| Pre-tax net operating income | $431,000 | 8,863 |
| Securities gains (losses) | $2,000 | 3,270 |
| Applicable income taxes | $102,000 | 9,142 |
| Income before extraordinary items | $331,000 | 8,656 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $331,000 | 8,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,295 |
| Cash dividends | $40,000 | 7,961 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $329,480 | 8,638 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,396,000 | 9,101 |
| Total interest expense | $1,040,000 | 8,518 |
| Net interest income | $1,356,000 | 9,296 |
| Provision for loan and lease losses | $46,000 | 6,340 |
| Total noninterest income | $354,000 | 6,627 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $224,000 | 5,444 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,669 |
| Total noninterest expense | $1,342,000 | 8,113 |
| Salaries and employee benefits | $707,000 | 7,816 |
| Premises and equipment expense | $144,000 | 8,713 |
| Additional noninterest expense | $491,000 | 7,939 |
| Pre-tax net operating income | $322,000 | 9,971 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $60,000 | 10,220 |
| Income before extraordinary items | $269,000 | 9,505 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $269,000 | 9,512 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,320 |
| Cash dividends | $40,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $263,260 | 9,613 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,360,000 | 9,452 |
| Total interest expense | $956,000 | 9,306 |
| Net interest income | $1,404,000 | 9,402 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $314,000 | 7,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,548 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $91,000 | 8,188 |
| Total noninterest expense | $1,336,000 | 8,385 |
| Salaries and employee benefits | $687,000 | 8,087 |
| Premises and equipment expense | $154,000 | 8,798 |
| Additional noninterest expense | $495,000 | 8,262 |
| Pre-tax net operating income | $322,000 | 10,051 |
| Securities gains (losses) | $4,000 | 6,316 |
| Applicable income taxes | $24,000 | 11,523 |
| Income before extraordinary items | $302,000 | 9,465 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $302,000 | 9,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $40,000 | 8,186 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $298,280 | 9,235 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 9,649 |
| Total interest expense | $1,222,000 | 9,526 |
| Net interest income | $1,420,000 | 9,554 |
| Provision for loan and lease losses | $152,000 | 6,039 |
| Total noninterest income | $312,000 | 7,567 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $225,000 | 5,527 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $87,000 | 8,558 |
| Total noninterest expense | $1,297,000 | 8,671 |
| Salaries and employee benefits | $662,000 | 8,289 |
| Premises and equipment expense | $160,000 | 8,845 |
| Additional noninterest expense | $475,000 | 8,697 |
| Pre-tax net operating income | $283,000 | 10,301 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $52,000 | 11,201 |
| Income before extraordinary items | $239,000 | 10,058 |
| Extraordinary gains, net | $47,000 | 1,012 |
| Net income | $286,000 | 9,614 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 4,683 |
| Cash dividends | $40,000 | 7,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $232,440 | 9,790 |
* 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.