Home > Clear Creek National Bank > Income and Expense
Clear Creek National Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $377,000 | 7,654 |
| Total interest expense | $19,000 | 7,771 |
| Net interest income | $358,000 | 7,537 |
| Provision for loan and lease losses | $95,000 | 5,214 |
| Total noninterest income | $61,000 | 6,663 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $62,000 | 5,299 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-1,000 | 7,289 |
| Total noninterest expense | $665,000 | 6,823 |
| Salaries and employee benefits | $270,000 | 7,169 |
| Premises and equipment expense | $70,000 | 6,839 |
| Additional noninterest expense | $325,000 | 6,119 |
| Pre-tax net operating income | $-341,000 | 6,613 |
| Securities gains (losses) | $92,000 | 1,472 |
| Applicable income taxes | $-98,000 | 7,195 |
| Income before extraordinary items | $-151,000 | 6,499 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-151,000 | 6,501 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-151,000 | 6,499 |
| Net charge-offs | $23,000 | 5,442 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-209,880 | 6,521 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $210,000 | 7,711 |
| Total interest expense | $12,000 | 7,866 |
| Net interest income | $198,000 | 7,577 |
| Provision for loan and lease losses | $95,000 | 4,030 |
| Total noninterest income | $17,000 | 7,213 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $31,000 | 5,310 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-14,000 | 7,588 |
| Total noninterest expense | $339,000 | 6,875 |
| Salaries and employee benefits | $136,000 | 7,257 |
| Premises and equipment expense | $36,000 | 6,882 |
| Additional noninterest expense | $167,000 | 6,104 |
| Pre-tax net operating income | $-219,000 | 6,860 |
| Securities gains (losses) | $91,000 | 827 |
| Applicable income taxes | $-98,000 | 7,445 |
| Income before extraordinary items | $-30,000 | 6,535 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-30,000 | 6,537 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-30,000 | 6,536 |
| Net charge-offs | $4,000 | 5,215 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-88,240 | 6,657 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,028,000 | 7,698 |
| Total interest expense | $104,000 | 7,902 |
| Net interest income | $924,000 | 7,508 |
| Provision for loan and lease losses | $334,000 | 5,129 |
| Total noninterest income | $160,000 | 6,502 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $126,000 | 5,426 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $34,000 | 6,663 |
| Total noninterest expense | $1,332,000 | 7,003 |
| Salaries and employee benefits | $549,000 | 7,320 |
| Premises and equipment expense | $139,000 | 7,035 |
| Additional noninterest expense | $644,000 | 6,313 |
| Pre-tax net operating income | $-582,000 | 6,043 |
| Securities gains (losses) | $179,000 | 1,637 |
| Applicable income taxes | $-46,000 | 6,435 |
| Income before extraordinary items | $-357,000 | 5,976 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-357,000 | 5,974 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-357,000 | 5,974 |
| Net charge-offs | $295,000 | 4,504 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-516,310 | 6,086 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $801,000 | 7,764 |
| Total interest expense | $86,000 | 7,981 |
| Net interest income | $715,000 | 7,555 |
| Provision for loan and lease losses | $285,000 | 4,662 |
| Total noninterest income | $117,000 | 6,654 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $95,000 | 5,432 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $22,000 | 6,934 |
| Total noninterest expense | $1,003,000 | 7,029 |
| Salaries and employee benefits | $406,000 | 7,389 |
| Premises and equipment expense | $105,000 | 7,076 |
| Additional noninterest expense | $492,000 | 6,279 |
| Pre-tax net operating income | $-456,000 | 6,293 |
| Securities gains (losses) | $80,000 | 1,979 |
| Applicable income taxes | $-44,000 | 6,801 |
| Income before extraordinary items | $-332,000 | 6,274 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-332,000 | 6,275 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-332,000 | 6,274 |
| Net charge-offs | $257,000 | 3,925 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-402,400 | 6,332 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $546,000 | 7,824 |
| Total interest expense | $60,000 | 8,067 |
| Net interest income | $486,000 | 7,589 |
| Provision for loan and lease losses | $282,000 | 3,832 |
| Total noninterest income | $89,000 | 6,551 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $66,000 | 5,389 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $23,000 | 6,676 |
| Total noninterest expense | $658,000 | 7,112 |
| Salaries and employee benefits | $272,000 | 7,464 |
| Premises and equipment expense | $71,000 | 7,112 |
| Additional noninterest expense | $315,000 | 6,398 |
| Pre-tax net operating income | $-365,000 | 6,503 |
| Securities gains (losses) | $63,000 | 1,760 |
| Applicable income taxes | $-36,000 | 6,945 |
| Income before extraordinary items | $-266,000 | 6,497 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-266,000 | 6,496 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-266,000 | 6,496 |
| Net charge-offs | $257,000 | 3,124 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-321,440 | 6,555 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $279,000 | 7,863 |
| Total interest expense | $31,000 | 8,116 |
| Net interest income | $248,000 | 7,599 |
| Provision for loan and lease losses | $232,000 | 2,652 |
| Total noninterest income | $40,000 | 6,659 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $29,000 | 5,556 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $11,000 | 6,794 |
| Total noninterest expense | $309,000 | 7,221 |
| Salaries and employee benefits | $138,000 | 7,492 |
| Premises and equipment expense | $37,000 | 7,099 |
| Additional noninterest expense | $134,000 | 6,576 |
| Pre-tax net operating income | $-253,000 | 6,978 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-36,000 | 7,367 |
| Income before extraordinary items | $-217,000 | 7,063 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-217,000 | 7,064 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-217,000 | 7,064 |
| Net charge-offs | $206,000 | 2,108 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-217,000 | 6,995 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $1,322,000 | 7,802 |
| Total interest expense | $193,000 | 8,113 |
| Net interest income | $1,129,000 | 7,439 |
| Provision for loan and lease losses | $29,000 | 6,885 |
| Total noninterest income | $177,000 | 6,656 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $117,000 | 5,687 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $60,000 | 6,572 |
| Total noninterest expense | $1,198,000 | 7,268 |
| Salaries and employee benefits | $591,000 | 7,427 |
| Premises and equipment expense | $141,000 | 7,215 |
| Additional noninterest expense | $466,000 | 6,769 |
| Pre-tax net operating income | $79,000 | 6,085 |
| Securities gains (losses) | $3,000 | 2,883 |
| Applicable income taxes | $25,000 | 4,181 |
| Income before extraordinary items | $57,000 | 6,020 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $57,000 | 6,020 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,263 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $54,900 | 6,170 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,012,000 | 7,877 |
| Total interest expense | $152,000 | 8,192 |
| Net interest income | $860,000 | 7,495 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $128,000 | 6,818 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $84,000 | 5,776 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $44,000 | 6,749 |
| Total noninterest expense | $896,000 | 7,291 |
| Salaries and employee benefits | $446,000 | 7,461 |
| Premises and equipment expense | $106,000 | 7,277 |
| Additional noninterest expense | $344,000 | 6,800 |
| Pre-tax net operating income | $92,000 | 6,436 |
| Securities gains (losses) | $3,000 | 2,756 |
| Applicable income taxes | $33,000 | 4,365 |
| Income before extraordinary items | $62,000 | 6,353 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $62,000 | 6,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,427 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $60,050 | 6,527 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $697,000 | 7,899 |
| Total interest expense | $108,000 | 8,245 |
| Net interest income | $589,000 | 7,481 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $84,000 | 6,882 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $56,000 | 5,799 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $28,000 | 6,870 |
| Total noninterest expense | $598,000 | 7,339 |
| Salaries and employee benefits | $303,000 | 7,497 |
| Premises and equipment expense | $72,000 | 7,303 |
| Additional noninterest expense | $223,000 | 6,865 |
| Pre-tax net operating income | $75,000 | 6,535 |
| Securities gains (losses) | $3,000 | 2,869 |
| Applicable income taxes | $24,000 | 4,564 |
| Income before extraordinary items | $54,000 | 6,673 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $54,000 | 6,672 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,853 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $51,930 | 6,625 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $357,000 | 7,947 |
| Total interest expense | $59,000 | 8,286 |
| Net interest income | $298,000 | 7,507 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $43,000 | 6,875 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $29,000 | 5,728 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $14,000 | 6,895 |
| Total noninterest expense | $299,000 | 7,378 |
| Salaries and employee benefits | $155,000 | 7,487 |
| Premises and equipment expense | $35,000 | 7,353 |
| Additional noninterest expense | $109,000 | 6,916 |
| Pre-tax net operating income | $42,000 | 6,706 |
| Securities gains (losses) | $3,000 | 2,367 |
| Applicable income taxes | $13,000 | 4,639 |
| Income before extraordinary items | $32,000 | 6,839 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $32,000 | 6,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $29,870 | 6,793 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $1,697,000 | 7,778 |
| Total interest expense | $245,000 | 8,260 |
| Net interest income | $1,452,000 | 7,178 |
| Provision for loan and lease losses | $33,000 | 6,025 |
| Total noninterest income | $167,000 | 6,985 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $115,000 | 5,830 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $52,000 | 7,060 |
| Total noninterest expense | $1,314,000 | 7,190 |
| Salaries and employee benefits | $697,000 | 7,258 |
| Premises and equipment expense | $133,000 | 7,412 |
| Additional noninterest expense | $484,000 | 6,655 |
| Pre-tax net operating income | $272,000 | 6,674 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $93,000 | 4,533 |
| Income before extraordinary items | $179,000 | 6,862 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $179,000 | 6,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,700 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $179,000 | 6,838 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,286,000 | 7,809 |
| Total interest expense | $183,000 | 8,305 |
| Net interest income | $1,103,000 | 7,205 |
| Provision for loan and lease losses | $28,000 | 5,595 |
| Total noninterest income | $123,000 | 7,050 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $86,000 | 5,863 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $37,000 | 7,140 |
| Total noninterest expense | $998,000 | 7,155 |
| Salaries and employee benefits | $536,000 | 7,180 |
| Premises and equipment expense | $99,000 | 7,409 |
| Additional noninterest expense | $363,000 | 6,639 |
| Pre-tax net operating income | $200,000 | 6,966 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $60,000 | 4,828 |
| Income before extraordinary items | $140,000 | 7,083 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $140,000 | 7,081 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,905 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $140,000 | 7,073 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $846,000 | 7,871 |
| Total interest expense | $120,000 | 8,373 |
| Net interest income | $726,000 | 7,286 |
| Provision for loan and lease losses | $28,000 | 5,075 |
| Total noninterest income | $78,000 | 7,160 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $56,000 | 5,910 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $22,000 | 7,282 |
| Total noninterest expense | $665,000 | 7,189 |
| Salaries and employee benefits | $365,000 | 7,192 |
| Premises and equipment expense | $70,000 | 7,356 |
| Additional noninterest expense | $230,000 | 6,790 |
| Pre-tax net operating income | $111,000 | 7,181 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $25,000 | 5,215 |
| Income before extraordinary items | $86,000 | 7,210 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $86,000 | 7,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,139 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $86,000 | 7,206 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $423,000 | 7,921 |
| Total interest expense | $59,000 | 8,420 |
| Net interest income | $364,000 | 7,319 |
| Provision for loan and lease losses | $4,000 | 5,479 |
| Total noninterest income | $41,000 | 7,099 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $29,000 | 5,849 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $341,000 | 7,189 |
| Salaries and employee benefits | $181,000 | 7,251 |
| Premises and equipment expense | $43,000 | 7,057 |
| Additional noninterest expense | $117,000 | 6,762 |
| Pre-tax net operating income | $60,000 | 7,160 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $13,000 | 5,188 |
| Income before extraordinary items | $47,000 | 7,200 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $47,000 | 7,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $47,000 | 7,194 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $1,459,000 | 7,969 |
| Total interest expense | $187,000 | 8,432 |
| Net interest income | $1,272,000 | 7,481 |
| Provision for loan and lease losses | $15,000 | 6,428 |
| Total noninterest income | $220,000 | 6,752 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $152,000 | 5,504 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $68,000 | 6,891 |
| Total noninterest expense | $1,234,000 | 7,329 |
| Salaries and employee benefits | $611,000 | 7,567 |
| Premises and equipment expense | $190,000 | 6,830 |
| Additional noninterest expense | $433,000 | 6,900 |
| Pre-tax net operating income | $243,000 | 7,272 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $50,000 | 5,451 |
| Income before extraordinary items | $193,000 | 7,305 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $193,000 | 7,306 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,914 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $193,000 | 7,303 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,069,000 | 8,058 |
| Total interest expense | $131,000 | 8,503 |
| Net interest income | $938,000 | 7,583 |
| Provision for loan and lease losses | $12,000 | 6,287 |
| Total noninterest income | $172,000 | 6,740 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $115,000 | 5,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $57,000 | 6,753 |
| Total noninterest expense | $913,000 | 7,353 |
| Salaries and employee benefits | $445,000 | 7,603 |
| Premises and equipment expense | $82,000 | 7,728 |
| Additional noninterest expense | $386,000 | 6,478 |
| Pre-tax net operating income | $185,000 | 7,476 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $26,000 | 5,840 |
| Income before extraordinary items | $159,000 | 7,433 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $159,000 | 7,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,550 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $159,000 | 7,434 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $697,000 | 8,102 |
| Total interest expense | $79,000 | 8,561 |
| Net interest income | $618,000 | 7,638 |
| Provision for loan and lease losses | $6,000 | 6,150 |
| Total noninterest income | $109,000 | 6,838 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $80,000 | 5,471 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $29,000 | 7,165 |
| Total noninterest expense | $605,000 | 7,408 |
| Salaries and employee benefits | $293,000 | 7,669 |
| Premises and equipment expense | $56,000 | 7,712 |
| Additional noninterest expense | $256,000 | 6,510 |
| Pre-tax net operating income | $116,000 | 7,593 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $8,000 | 6,196 |
| Income before extraordinary items | $108,000 | 7,475 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $108,000 | 7,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,137 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $108,000 | 7,480 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $346,000 | 8,117 |
| Total interest expense | $39,000 | 8,583 |
| Net interest income | $307,000 | 7,675 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $57,000 | 6,716 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $42,000 | 5,298 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,090 |
| Total noninterest expense | $310,000 | 7,374 |
| Salaries and employee benefits | $146,000 | 7,688 |
| Premises and equipment expense | $54,000 | 6,597 |
| Additional noninterest expense | $110,000 | 6,869 |
| Pre-tax net operating income | $51,000 | 7,690 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $51,000 | 7,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $51,000 | 7,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $51,000 | 7,524 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 8,073 |
| Total interest expense | $147,000 | 8,548 |
| Net interest income | $1,163,000 | 7,732 |
| Provision for loan and lease losses | $20,000 | 6,489 |
| Total noninterest income | $223,000 | 6,883 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $171,000 | 5,373 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,351 |
| Total noninterest expense | $1,234,000 | 7,345 |
| Salaries and employee benefits | $559,000 | 7,748 |
| Premises and equipment expense | $123,000 | 7,613 |
| Additional noninterest expense | $552,000 | 6,296 |
| Pre-tax net operating income | $132,000 | 7,893 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $132,000 | 7,857 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $132,000 | 7,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,967 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $132,000 | 7,820 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $966,000 | 8,122 |
| Total interest expense | $109,000 | 8,576 |
| Net interest income | $857,000 | 7,799 |
| Provision for loan and lease losses | $16,000 | 6,296 |
| Total noninterest income | $171,000 | 6,872 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $131,000 | 5,353 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $40,000 | 7,342 |
| Total noninterest expense | $915,000 | 7,357 |
| Salaries and employee benefits | $407,000 | 7,751 |
| Premises and equipment expense | $187,000 | 6,196 |
| Additional noninterest expense | $321,000 | 6,948 |
| Pre-tax net operating income | $97,000 | 8,029 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $97,000 | 7,986 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $97,000 | 7,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,856 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $97,000 | 7,955 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $624,000 | 8,175 |
| Total interest expense | $70,000 | 8,590 |
| Net interest income | $554,000 | 7,858 |
| Provision for loan and lease losses | $7,000 | 6,262 |
| Total noninterest income | $118,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $90,000 | 5,257 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $28,000 | 7,271 |
| Total noninterest expense | $610,000 | 7,358 |
| Salaries and employee benefits | $268,000 | 7,785 |
| Premises and equipment expense | $67,000 | 7,464 |
| Additional noninterest expense | $275,000 | 6,250 |
| Pre-tax net operating income | $55,000 | 8,106 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $55,000 | 8,070 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $55,000 | 8,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,290 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $55,000 | 8,035 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $278,000 | 8,356 |
| Total interest expense | $29,000 | 8,707 |
| Net interest income | $249,000 | 8,073 |
| Provision for loan and lease losses | $2,000 | 6,096 |
| Total noninterest income | $77,000 | 6,252 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $41,000 | 5,405 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $36,000 | 5,847 |
| Total noninterest expense | $308,000 | 7,394 |
| Salaries and employee benefits | $135,000 | 7,834 |
| Premises and equipment expense | $31,000 | 7,653 |
| Additional noninterest expense | $142,000 | 6,189 |
| Pre-tax net operating income | $16,000 | 8,294 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $16,000 | 8,279 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $16,000 | 8,279 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $16,000 | 8,252 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,070,000 | 8,343 |
| Total interest expense | $78,000 | 8,782 |
| Net interest income | $992,000 | 8,032 |
| Provision for loan and lease losses | $18,000 | 6,797 |
| Total noninterest income | $239,000 | 6,850 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $171,000 | 5,538 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $68,000 | 7,023 |
| Total noninterest expense | $1,298,000 | 7,260 |
| Salaries and employee benefits | $590,000 | 7,698 |
| Premises and equipment expense | $271,000 | 5,984 |
| Additional noninterest expense | $437,000 | 6,915 |
| Pre-tax net operating income | $-85,000 | 8,483 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-85,000 | 8,523 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-85,000 | 8,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-85,000 | 8,491 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $766,000 | 8,425 |
| Total interest expense | $55,000 | 8,843 |
| Net interest income | $711,000 | 8,136 |
| Provision for loan and lease losses | $18,000 | 6,408 |
| Total noninterest income | $174,000 | 6,938 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $131,000 | 5,538 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $43,000 | 7,253 |
| Total noninterest expense | $973,000 | 7,225 |
| Salaries and employee benefits | $450,000 | 7,618 |
| Premises and equipment expense | $201,000 | 5,968 |
| Additional noninterest expense | $323,000 | 6,916 |
| Pre-tax net operating income | $-107,000 | 8,604 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-107,000 | 8,629 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-107,000 | 8,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-107,000 | 8,602 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $484,000 | 8,523 |
| Total interest expense | $37,000 | 8,901 |
| Net interest income | $447,000 | 8,269 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $117,000 | 6,950 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $90,000 | 5,491 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $27,000 | 7,377 |
| Total noninterest expense | $651,000 | 7,275 |
| Salaries and employee benefits | $310,000 | 7,584 |
| Premises and equipment expense | $127,000 | 6,167 |
| Additional noninterest expense | $214,000 | 6,980 |
| Pre-tax net operating income | $-87,000 | 8,677 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-87,000 | 8,709 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-87,000 | 8,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-87,000 | 8,680 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $238,000 | 8,587 |
| Total interest expense | $19,000 | 8,948 |
| Net interest income | $219,000 | 8,339 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $58,000 | 6,943 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $46,000 | 5,389 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $328,000 | 7,286 |
| Salaries and employee benefits | $151,000 | 7,686 |
| Premises and equipment expense | $66,000 | 6,063 |
| Additional noninterest expense | $111,000 | 6,892 |
| Pre-tax net operating income | $-51,000 | 8,723 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-51,000 | 8,756 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-51,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $-51,000 | 8,720 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,040,000 | 8,548 |
| Total interest expense | $94,000 | 8,967 |
| Net interest income | $946,000 | 8,189 |
| Provision for loan and lease losses | $63,000 | 5,941 |
| Total noninterest income | $224,000 | 7,149 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $173,000 | 5,573 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $51,000 | 7,539 |
| Total noninterest expense | $1,258,000 | 7,349 |
| Salaries and employee benefits | $558,000 | 7,867 |
| Premises and equipment expense | $238,000 | 6,324 |
| Additional noninterest expense | $462,000 | 6,779 |
| Pre-tax net operating income | $-151,000 | 8,663 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $-151,000 | 8,754 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-151,000 | 8,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,981 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-151,000 | 8,681 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $774,000 | 8,639 |
| Total interest expense | $73,000 | 9,052 |
| Net interest income | $701,000 | 8,280 |
| Provision for loan and lease losses | $55,000 | 5,636 |
| Total noninterest income | $159,000 | 7,290 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $129,000 | 5,623 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $30,000 | 7,851 |
| Total noninterest expense | $937,000 | 7,357 |
| Salaries and employee benefits | $406,000 | 7,905 |
| Premises and equipment expense | $181,000 | 6,279 |
| Additional noninterest expense | $350,000 | 6,711 |
| Pre-tax net operating income | $-132,000 | 8,778 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-132,000 | 8,852 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-132,000 | 8,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 4,239 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $-132,000 | 8,783 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $512,000 | 8,696 |
| Total interest expense | $50,000 | 9,097 |
| Net interest income | $462,000 | 8,331 |
| Provision for loan and lease losses | $55,000 | 5,021 |
| Total noninterest income | $106,000 | 7,290 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $86,000 | 5,601 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $20,000 | 7,844 |
| Total noninterest expense | $612,000 | 7,434 |
| Salaries and employee benefits | $257,000 | 8,032 |
| Premises and equipment expense | $120,000 | 6,262 |
| Additional noninterest expense | $235,000 | 6,706 |
| Pre-tax net operating income | $-99,000 | 8,822 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-99,000 | 8,915 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-99,000 | 8,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 3,193 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $-99,000 | 8,831 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $257,000 | 8,758 |
| Total interest expense | $27,000 | 9,135 |
| Net interest income | $230,000 | 8,378 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $48,000 | 7,431 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $39,000 | 5,725 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $9,000 | 7,987 |
| Total noninterest expense | $283,000 | 7,649 |
| Salaries and employee benefits | $116,000 | 8,264 |
| Premises and equipment expense | $59,000 | 6,332 |
| Additional noninterest expense | $108,000 | 6,949 |
| Pre-tax net operating income | $-60,000 | 8,914 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-60,000 | 8,978 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-60,000 | 8,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,091 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $-60,000 | 8,891 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,121,000 | 8,750 |
| Total interest expense | $143,000 | 9,149 |
| Net interest income | $978,000 | 8,294 |
| Provision for loan and lease losses | $23,000 | 7,437 |
| Total noninterest income | $214,000 | 7,173 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $143,000 | 5,918 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $71,000 | 7,051 |
| Total noninterest expense | $1,214,000 | 7,439 |
| Salaries and employee benefits | $570,000 | 7,842 |
| Premises and equipment expense | $235,000 | 6,327 |
| Additional noninterest expense | $409,000 | 7,094 |
| Pre-tax net operating income | $-45,000 | 8,702 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $-45,000 | 8,786 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-45,000 | 8,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 6,852 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 531 |
| Net operating income | $-45,000 | 8,717 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,187,000 | 8,996 |
| Total interest expense | $309,000 | 9,281 |
| Net interest income | $878,000 | 8,526 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $236,000 | 6,965 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $148,000 | 5,823 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $88,000 | 6,699 |
| Total noninterest expense | $1,169,000 | 7,529 |
| Salaries and employee benefits | $599,000 | 7,675 |
| Premises and equipment expense | $224,000 | 6,440 |
| Additional noninterest expense | $346,000 | 7,541 |
| Pre-tax net operating income | $-55,000 | 8,821 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-15,000 | 9,030 |
| Income before extraordinary items | $-40,000 | 8,885 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-40,000 | 8,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,777 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-40,000 | 8,810 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 9,292 |
| Total interest expense | $227,000 | 9,626 |
| Net interest income | $901,000 | 8,689 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $257,000 | 6,699 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,688 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $102,000 | 6,386 |
| Total noninterest expense | $1,038,000 | 7,907 |
| Salaries and employee benefits | $475,000 | 8,375 |
| Premises and equipment expense | $229,000 | 6,328 |
| Additional noninterest expense | $334,000 | 7,682 |
| Pre-tax net operating income | $120,000 | 8,729 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $32,000 | 7,564 |
| Income before extraordinary items | $88,000 | 8,784 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $88,000 | 8,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $88,000 | 8,772 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,043,000 | 9,577 |
| Total interest expense | $214,000 | 9,917 |
| Net interest income | $829,000 | 8,998 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $239,000 | 7,055 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $155,000 | 5,763 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,038 |
| Total noninterest expense | $969,000 | 8,220 |
| Salaries and employee benefits | $459,000 | 8,576 |
| Premises and equipment expense | $218,000 | 6,530 |
| Additional noninterest expense | $292,000 | 8,176 |
| Pre-tax net operating income | $99,000 | 9,078 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $22,000 | 8,180 |
| Income before extraordinary items | $77,000 | 9,106 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $77,000 | 9,104 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 7,495 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $77,000 | 9,075 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $896,000 | 9,948 |
| Total interest expense | $231,000 | 10,156 |
| Net interest income | $665,000 | 9,578 |
| Provision for loan and lease losses | $-100,000 | 10,312 |
| Total noninterest income | $285,000 | 6,613 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $145,000 | 5,772 |
| Total noninterest expense | $886,000 | 8,478 |
| Salaries and employee benefits | $395,000 | 9,000 |
| Premises and equipment expense | $186,000 | 6,941 |
| Additional noninterest expense | $305,000 | 8,075 |
| Pre-tax net operating income | $164,000 | 9,103 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $-13,000 | 10,035 |
| Income before extraordinary items | $177,000 | 8,788 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $177,000 | 8,787 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 10,249 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $177,000 | 8,719 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $729,000 | 10,541 |
| Total interest expense | $204,000 | 10,665 |
| Net interest income | $525,000 | 10,330 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $280,000 | 6,883 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 5,977 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,301 |
| Total noninterest expense | $748,000 | 9,230 |
| Salaries and employee benefits | $327,000 | 9,765 |
| Premises and equipment expense | $160,000 | 7,589 |
| Additional noninterest expense | $261,000 | 8,725 |
| Pre-tax net operating income | $57,000 | 10,222 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $57,000 | 10,197 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $57,000 | 10,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 6,506 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $57,000 | 10,162 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $679,000 | 11,129 |
| Total interest expense | $189,000 | 11,241 |
| Net interest income | $490,000 | 10,913 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $235,000 | 7,787 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 6,204 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $70,000 | 8,080 |
| Total noninterest expense | $719,000 | 9,741 |
| Salaries and employee benefits | $313,000 | 10,252 |
| Premises and equipment expense | $146,000 | 8,152 |
| Additional noninterest expense | $260,000 | 9,285 |
| Pre-tax net operating income | $6,000 | 10,754 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $6,000 | 10,785 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $6,000 | 10,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 7,243 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $6,000 | 10,736 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $629,000 | 11,693 |
| Total interest expense | $162,000 | 11,801 |
| Net interest income | $467,000 | 11,480 |
| Provision for loan and lease losses | $-60,000 | 11,625 |
| Total noninterest income | $214,000 | 8,224 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $158,000 | 6,485 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $56,000 | 8,932 |
| Total noninterest expense | $670,000 | 10,297 |
| Salaries and employee benefits | $318,000 | 10,606 |
| Premises and equipment expense | $119,000 | 9,075 |
| Additional noninterest expense | $233,000 | 10,025 |
| Pre-tax net operating income | $71,000 | 11,222 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $71,000 | 11,165 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $71,000 | 11,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 10,260 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $71,000 | 11,138 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $511,000 | 12,409 |
| Total interest expense | $151,000 | 12,440 |
| Net interest income | $360,000 | 12,310 |
| Provision for loan and lease losses | $-40,000 | 11,942 |
| Total noninterest income | $175,000 | 9,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $98,000 | 8,150 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,362 |
| Total noninterest expense | $519,000 | 11,511 |
| Salaries and employee benefits | $233,000 | 11,814 |
| Premises and equipment expense | $54,000 | 11,490 |
| Additional noninterest expense | $232,000 | 10,746 |
| Pre-tax net operating income | $56,000 | 11,883 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $56,000 | 11,765 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $56,000 | 11,771 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 11,354 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $56,000 | 11,807 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $481,000 | 13,074 |
| Total interest expense | $186,000 | 13,025 |
| Net interest income | $295,000 | 13,021 |
| Provision for loan and lease losses | $-61,000 | 12,795 |
| Total noninterest income | $127,000 | 10,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 8,912 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $44,000 | 10,462 |
| Total noninterest expense | $443,000 | 12,453 |
| Salaries and employee benefits | $186,000 | 12,742 |
| Premises and equipment expense | $52,000 | 12,143 |
| Additional noninterest expense | $205,000 | 11,659 |
| Pre-tax net operating income | $40,000 | 12,223 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $40,000 | 12,309 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $40,000 | 12,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 11,543 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $40,000 | 12,171 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $512,000 | 13,696 |
| Total interest expense | $224,000 | 13,668 |
| Net interest income | $288,000 | 13,644 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $133,000 | 10,851 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $37,000 | 11,257 |
| Total noninterest expense | $459,000 | 12,862 |
| Salaries and employee benefits | $179,000 | 13,330 |
| Premises and equipment expense | $53,000 | 12,576 |
| Additional noninterest expense | $221,000 | 11,944 |
| Pre-tax net operating income | $-38,000 | 12,839 |
| Securities gains (losses) | $51,000 | 4,091 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $13,000 | 12,815 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $13,000 | 12,809 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-24,000 | 13,172 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-38,000 | 12,793 |
* 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.