Home > Commercial Bank & Trust Company of Troup County > Income and Expense
Commercial Bank & Trust Company of Troup County, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,646,000 | 2,192 |
| Total interest expense | $720,000 | 2,992 |
| Net interest income | $2,926,000 | 1,940 |
| Provision for loan and lease losses | $384,000 | 2,113 |
| Total noninterest income | $720,000 | 1,571 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $463,000 | 844 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $257,000 | 2,028 |
| Total noninterest expense | $1,974,000 | 2,474 |
| Salaries and employee benefits | $732,000 | 3,263 |
| Premises and equipment expense | $185,000 | 3,329 |
| Additional noninterest expense | $1,057,000 | 1,655 |
| Pre-tax net operating income | $1,288,000 | 1,031 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $477,000 | 731 |
| Income before extraordinary items | $811,000 | 1,351 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $811,000 | 1,354 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $811,000 | 1,353 |
| Net charge-offs | $-4,000 | 7,239 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $8,000 | 851 |
| Net operating income | $811,000 | 1,310 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,863,000 | 2,130 |
| Total interest expense | $3,874,000 | 2,812 |
| Net interest income | $11,989,000 | 1,845 |
| Provision for loan and lease losses | $10,297,000 | 849 |
| Total noninterest income | $3,063,000 | 1,587 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $2,210,000 | 768 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $853,000 | 2,359 |
| Total noninterest expense | $7,180,000 | 2,731 |
| Salaries and employee benefits | $2,999,000 | 3,176 |
| Premises and equipment expense | $772,000 | 3,220 |
| Additional noninterest expense | $3,409,000 | 2,098 |
| Pre-tax net operating income | $-2,425,000 | 6,752 |
| Securities gains (losses) | $123,000 | 1,954 |
| Applicable income taxes | $-972,000 | 7,270 |
| Income before extraordinary items | $-1,330,000 | 6,510 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,330,000 | 6,510 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,330,000 | 6,510 |
| Net charge-offs | $8,466,000 | 779 |
| Cash dividends | $91,000 | 4,195 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,137 |
| Net operating income | $-1,408,720 | 6,539 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,001,000 | 2,156 |
| Total interest expense | $3,067,000 | 2,808 |
| Net interest income | $8,934,000 | 1,852 |
| Provision for loan and lease losses | $6,404,000 | 877 |
| Total noninterest income | $2,291,000 | 1,603 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $1,664,000 | 757 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $627,000 | 2,450 |
| Total noninterest expense | $5,366,000 | 2,746 |
| Salaries and employee benefits | $2,269,000 | 3,179 |
| Premises and equipment expense | $581,000 | 3,242 |
| Additional noninterest expense | $2,516,000 | 2,098 |
| Pre-tax net operating income | $-545,000 | 6,370 |
| Securities gains (losses) | $123,000 | 1,664 |
| Applicable income taxes | $-229,000 | 7,131 |
| Income before extraordinary items | $-193,000 | 6,111 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-193,000 | 6,112 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-193,000 | 6,111 |
| Net charge-offs | $5,267,000 | 785 |
| Cash dividends | $91,000 | 3,652 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,062 |
| Net operating income | $-271,720 | 6,190 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,022,000 | 2,184 |
| Total interest expense | $2,091,000 | 2,864 |
| Net interest income | $5,931,000 | 1,868 |
| Provision for loan and lease losses | $2,348,000 | 1,279 |
| Total noninterest income | $1,518,000 | 1,634 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $1,093,000 | 756 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $425,000 | 2,456 |
| Total noninterest expense | $3,568,000 | 2,783 |
| Salaries and employee benefits | $1,493,000 | 3,251 |
| Premises and equipment expense | $393,000 | 3,228 |
| Additional noninterest expense | $1,682,000 | 2,108 |
| Pre-tax net operating income | $1,533,000 | 1,498 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $545,000 | 1,006 |
| Income before extraordinary items | $988,000 | 1,863 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $988,000 | 1,860 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $988,000 | 1,862 |
| Net charge-offs | $106,000 | 4,182 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 937 |
| Net operating income | $988,000 | 1,811 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,005,000 | 2,209 |
| Total interest expense | $1,061,000 | 2,921 |
| Net interest income | $2,944,000 | 1,874 |
| Provision for loan and lease losses | $553,000 | 1,688 |
| Total noninterest income | $750,000 | 1,622 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $537,000 | 750 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $213,000 | 2,427 |
| Total noninterest expense | $1,622,000 | 2,925 |
| Salaries and employee benefits | $693,000 | 3,494 |
| Premises and equipment expense | $202,000 | 3,203 |
| Additional noninterest expense | $727,000 | 2,151 |
| Pre-tax net operating income | $1,519,000 | 834 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $564,000 | 599 |
| Income before extraordinary items | $955,000 | 1,138 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $955,000 | 1,140 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $955,000 | 1,140 |
| Net charge-offs | $6,000 | 5,032 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 825 |
| Net operating income | $955,000 | 1,064 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $17,756,000 | 2,142 |
| Total interest expense | $5,991,000 | 2,519 |
| Net interest income | $11,765,000 | 1,893 |
| Provision for loan and lease losses | $2,781,000 | 1,473 |
| Total noninterest income | $2,754,000 | 1,688 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $2,012,000 | 874 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $742,000 | 2,548 |
| Total noninterest expense | $6,398,000 | 2,895 |
| Salaries and employee benefits | $3,097,000 | 3,164 |
| Premises and equipment expense | $674,000 | 3,597 |
| Additional noninterest expense | $2,627,000 | 2,252 |
| Pre-tax net operating income | $5,340,000 | 1,040 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,968,000 | 687 |
| Income before extraordinary items | $3,372,000 | 1,232 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,372,000 | 1,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,524,000 | 1,538 |
| Cash dividends | $2,423,000 | 1,132 |
| Sale, conversion, retirement of capital stock, net | $59,000 | 1,096 |
| Net operating income | $3,372,000 | 1,319 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,473,000 | 2,166 |
| Total interest expense | $4,678,000 | 2,521 |
| Net interest income | $8,795,000 | 1,927 |
| Provision for loan and lease losses | $1,049,000 | 1,778 |
| Total noninterest income | $2,059,000 | 1,741 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,405,000 | 959 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $654,000 | 2,415 |
| Total noninterest expense | $4,800,000 | 2,876 |
| Salaries and employee benefits | $2,334,000 | 3,179 |
| Premises and equipment expense | $510,000 | 3,585 |
| Additional noninterest expense | $1,956,000 | 2,209 |
| Pre-tax net operating income | $5,005,000 | 1,016 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,866,000 | 690 |
| Income before extraordinary items | $3,139,000 | 1,169 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,139,000 | 1,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,484,000 | 1,022 |
| Cash dividends | $1,669,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $75,000 | 862 |
| Net operating income | $3,139,000 | 1,242 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,153,000 | 2,153 |
| Total interest expense | $3,297,000 | 2,494 |
| Net interest income | $5,856,000 | 1,921 |
| Provision for loan and lease losses | $866,000 | 1,347 |
| Total noninterest income | $1,365,000 | 1,767 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $900,000 | 979 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $465,000 | 2,358 |
| Total noninterest expense | $3,219,000 | 2,870 |
| Salaries and employee benefits | $1,548,000 | 3,244 |
| Premises and equipment expense | $333,000 | 3,665 |
| Additional noninterest expense | $1,338,000 | 2,109 |
| Pre-tax net operating income | $3,136,000 | 1,125 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,167,000 | 821 |
| Income before extraordinary items | $1,969,000 | 1,415 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,969,000 | 1,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,291,000 | 738 |
| Cash dividends | $703,000 | 1,844 |
| Sale, conversion, retirement of capital stock, net | $37,000 | 840 |
| Net operating income | $1,969,000 | 1,382 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,615,000 | 2,191 |
| Total interest expense | $1,666,000 | 2,623 |
| Net interest income | $2,949,000 | 1,891 |
| Provision for loan and lease losses | $743,000 | 768 |
| Total noninterest income | $697,000 | 1,762 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $473,000 | 915 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $224,000 | 2,407 |
| Total noninterest expense | $1,666,000 | 2,781 |
| Salaries and employee benefits | $835,000 | 3,046 |
| Premises and equipment expense | $173,000 | 3,598 |
| Additional noninterest expense | $658,000 | 2,129 |
| Pre-tax net operating income | $1,237,000 | 1,492 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $459,000 | 1,084 |
| Income before extraordinary items | $778,000 | 1,857 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $778,000 | 1,859 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,291,000 | 387 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $19,000 | 708 |
| Net operating income | $778,000 | 1,793 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,762,000 | 2,201 |
| Total interest expense | $7,024,000 | 2,618 |
| Net interest income | $11,738,000 | 1,933 |
| Provision for loan and lease losses | $533,000 | 2,237 |
| Total noninterest income | $2,681,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,800,000 | 986 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $881,000 | 2,411 |
| Total noninterest expense | $6,125,000 | 2,915 |
| Salaries and employee benefits | $3,087,000 | 3,148 |
| Premises and equipment expense | $600,000 | 3,838 |
| Additional noninterest expense | $2,438,000 | 2,223 |
| Pre-tax net operating income | $7,761,000 | 1,084 |
| Securities gains (losses) | $-1,000 | 7,069 |
| Applicable income taxes | $2,914,000 | 835 |
| Income before extraordinary items | $4,846,000 | 1,319 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,846,000 | 1,319 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 2,188 |
| Cash dividends | $4,583,000 | 802 |
| Sale, conversion, retirement of capital stock, net | $83,000 | 977 |
| Net operating income | $4,846,640 | 1,308 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,866,000 | 2,237 |
| Total interest expense | $5,246,000 | 2,623 |
| Net interest income | $8,620,000 | 1,993 |
| Provision for loan and lease losses | $300,000 | 2,302 |
| Total noninterest income | $1,969,000 | 1,809 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,345,000 | 976 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $624,000 | 2,503 |
| Total noninterest expense | $4,626,000 | 2,873 |
| Salaries and employee benefits | $2,355,000 | 3,085 |
| Premises and equipment expense | $430,000 | 3,954 |
| Additional noninterest expense | $1,841,000 | 2,167 |
| Pre-tax net operating income | $5,663,000 | 1,212 |
| Securities gains (losses) | $-1,000 | 7,322 |
| Applicable income taxes | $2,112,000 | 930 |
| Income before extraordinary items | $3,550,000 | 1,438 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,550,000 | 1,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 2,148 |
| Cash dividends | $3,811,000 | 713 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 853 |
| Net operating income | $3,550,640 | 1,429 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,114,000 | 2,285 |
| Total interest expense | $3,490,000 | 2,627 |
| Net interest income | $5,624,000 | 2,064 |
| Provision for loan and lease losses | $230,000 | 1,959 |
| Total noninterest income | $1,299,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $859,000 | 1,027 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $440,000 | 2,440 |
| Total noninterest expense | $3,046,000 | 2,938 |
| Salaries and employee benefits | $1,566,000 | 3,124 |
| Premises and equipment expense | $284,000 | 3,995 |
| Additional noninterest expense | $1,196,000 | 2,214 |
| Pre-tax net operating income | $3,647,000 | 1,297 |
| Securities gains (losses) | $-1,000 | 7,616 |
| Applicable income taxes | $1,370,000 | 990 |
| Income before extraordinary items | $2,276,000 | 1,544 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,276,000 | 1,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $176,000 | 1,457 |
| Cash dividends | $2,314,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 760 |
| Net operating income | $2,276,640 | 1,524 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,398,000 | 2,361 |
| Total interest expense | $1,678,000 | 2,706 |
| Net interest income | $2,720,000 | 2,128 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $598,000 | 1,948 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $400,000 | 1,073 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $198,000 | 2,563 |
| Total noninterest expense | $1,482,000 | 3,016 |
| Salaries and employee benefits | $764,000 | 3,215 |
| Premises and equipment expense | $135,000 | 4,167 |
| Additional noninterest expense | $583,000 | 2,244 |
| Pre-tax net operating income | $1,801,000 | 1,299 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $678,000 | 1,006 |
| Income before extraordinary items | $1,123,000 | 1,537 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,123,000 | 1,538 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 808 |
| Cash dividends | $817,000 | 958 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 721 |
| Net operating income | $1,123,000 | 1,527 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,154,000 | 2,272 |
| Total interest expense | $5,820,000 | 2,655 |
| Net interest income | $11,334,000 | 2,051 |
| Provision for loan and lease losses | $650,000 | 1,503 |
| Total noninterest income | $2,273,000 | 2,021 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,639,000 | 1,078 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $634,000 | 2,916 |
| Total noninterest expense | $5,280,000 | 3,206 |
| Salaries and employee benefits | $2,687,000 | 3,435 |
| Premises and equipment expense | $525,000 | 4,136 |
| Additional noninterest expense | $2,068,000 | 2,498 |
| Pre-tax net operating income | $7,677,000 | 1,275 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,880,000 | 977 |
| Income before extraordinary items | $4,797,000 | 1,517 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,797,000 | 1,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $260,000 | 1,858 |
| Cash dividends | $3,267,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $113,000 | 866 |
| Net operating income | $4,797,000 | 1,495 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,697,000 | 2,293 |
| Total interest expense | $4,211,000 | 2,657 |
| Net interest income | $8,486,000 | 2,067 |
| Provision for loan and lease losses | $475,000 | 1,450 |
| Total noninterest income | $1,728,000 | 2,015 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,328,000 | 1,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $400,000 | 3,220 |
| Total noninterest expense | $3,907,000 | 3,229 |
| Salaries and employee benefits | $2,034,000 | 3,400 |
| Premises and equipment expense | $389,000 | 4,170 |
| Additional noninterest expense | $1,484,000 | 2,593 |
| Pre-tax net operating income | $5,832,000 | 1,304 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,176,000 | 1,027 |
| Income before extraordinary items | $3,656,000 | 1,533 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,656,000 | 1,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 3,050 |
| Cash dividends | $2,446,000 | 983 |
| Sale, conversion, retirement of capital stock, net | $97,000 | 710 |
| Net operating income | $3,656,000 | 1,513 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,277,000 | 2,297 |
| Total interest expense | $2,667,000 | 2,675 |
| Net interest income | $5,610,000 | 2,084 |
| Provision for loan and lease losses | $250,000 | 1,756 |
| Total noninterest income | $1,139,000 | 2,023 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $869,000 | 1,012 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $270,000 | 3,197 |
| Total noninterest expense | $2,614,000 | 3,231 |
| Salaries and employee benefits | $1,359,000 | 3,402 |
| Premises and equipment expense | $254,000 | 4,231 |
| Additional noninterest expense | $1,001,000 | 2,562 |
| Pre-tax net operating income | $3,885,000 | 1,297 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,454,000 | 1,027 |
| Income before extraordinary items | $2,431,000 | 1,523 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,431,000 | 1,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,101 |
| Cash dividends | $1,624,000 | 981 |
| Sale, conversion, retirement of capital stock, net | $57,000 | 614 |
| Net operating income | $2,431,000 | 1,504 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,992,000 | 2,331 |
| Total interest expense | $1,280,000 | 2,671 |
| Net interest income | $2,712,000 | 2,140 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $549,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $411,000 | 1,037 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $138,000 | 3,119 |
| Total noninterest expense | $1,286,000 | 3,298 |
| Salaries and employee benefits | $669,000 | 3,463 |
| Premises and equipment expense | $126,000 | 4,273 |
| Additional noninterest expense | $491,000 | 2,580 |
| Pre-tax net operating income | $1,900,000 | 1,304 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $729,000 | 1,016 |
| Income before extraordinary items | $1,171,000 | 1,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,171,000 | 1,551 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 3,757 |
| Cash dividends | $803,000 | 897 |
| Sale, conversion, retirement of capital stock, net | $76,000 | 351 |
| Net operating income | $1,171,000 | 1,532 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,365,000 | 2,471 |
| Total interest expense | $3,803,000 | 2,757 |
| Net interest income | $9,562,000 | 2,310 |
| Provision for loan and lease losses | $181,000 | 3,742 |
| Total noninterest income | $2,220,000 | 2,052 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,696,000 | 1,046 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $524,000 | 3,287 |
| Total noninterest expense | $5,242,000 | 3,113 |
| Salaries and employee benefits | $2,572,000 | 3,401 |
| Premises and equipment expense | $551,000 | 3,897 |
| Additional noninterest expense | $2,119,000 | 2,359 |
| Pre-tax net operating income | $6,359,000 | 1,509 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,379,000 | 1,185 |
| Income before extraordinary items | $3,980,000 | 1,752 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,980,000 | 1,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 4,365 |
| Cash dividends | $3,212,000 | 971 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,980,000 | 1,719 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,569,000 | 2,522 |
| Total interest expense | $2,654,000 | 2,790 |
| Net interest income | $6,915,000 | 2,372 |
| Provision for loan and lease losses | $66,000 | 4,870 |
| Total noninterest income | $1,639,000 | 2,068 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,244,000 | 1,066 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $395,000 | 3,301 |
| Total noninterest expense | $3,833,000 | 3,146 |
| Salaries and employee benefits | $1,883,000 | 3,447 |
| Premises and equipment expense | $413,000 | 3,881 |
| Additional noninterest expense | $1,537,000 | 2,394 |
| Pre-tax net operating income | $4,655,000 | 1,539 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,739,000 | 1,221 |
| Income before extraordinary items | $2,916,000 | 1,791 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,916,000 | 1,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,970 |
| Cash dividends | $2,393,000 | 920 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,916,000 | 1,765 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,124,000 | 2,559 |
| Total interest expense | $1,652,000 | 2,812 |
| Net interest income | $4,472,000 | 2,414 |
| Provision for loan and lease losses | $66,000 | 4,004 |
| Total noninterest income | $1,093,000 | 2,053 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $839,000 | 1,027 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $254,000 | 3,350 |
| Total noninterest expense | $2,603,000 | 3,075 |
| Salaries and employee benefits | $1,237,000 | 3,472 |
| Premises and equipment expense | $264,000 | 3,973 |
| Additional noninterest expense | $1,102,000 | 2,226 |
| Pre-tax net operating income | $2,896,000 | 1,614 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,079,000 | 1,283 |
| Income before extraordinary items | $1,817,000 | 1,882 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,817,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,044 |
| Cash dividends | $1,576,000 | 896 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,817,000 | 1,844 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 2,638 |
| Total interest expense | $780,000 | 2,856 |
| Net interest income | $2,140,000 | 2,499 |
| Provision for loan and lease losses | $50,000 | 3,171 |
| Total noninterest income | $553,000 | 1,989 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $388,000 | 1,076 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $165,000 | 2,803 |
| Total noninterest expense | $1,258,000 | 3,181 |
| Salaries and employee benefits | $617,000 | 3,484 |
| Premises and equipment expense | $124,000 | 4,218 |
| Additional noninterest expense | $517,000 | 2,353 |
| Pre-tax net operating income | $1,385,000 | 1,643 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $514,000 | 1,323 |
| Income before extraordinary items | $871,000 | 1,935 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $871,000 | 1,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $758,000 | 844 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $871,000 | 1,900 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,981,000 | 2,595 |
| Total interest expense | $2,583,000 | 2,969 |
| Net interest income | $8,398,000 | 2,433 |
| Provision for loan and lease losses | $151,000 | 4,218 |
| Total noninterest income | $2,204,000 | 2,058 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,712,000 | 1,045 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $492,000 | 3,339 |
| Total noninterest expense | $5,061,000 | 3,081 |
| Salaries and employee benefits | $2,732,000 | 3,104 |
| Premises and equipment expense | $393,000 | 4,820 |
| Additional noninterest expense | $1,936,000 | 2,498 |
| Pre-tax net operating income | $5,390,000 | 1,580 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,992,000 | 1,276 |
| Income before extraordinary items | $3,398,000 | 1,856 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,398,000 | 1,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,425 |
| Cash dividends | $3,026,000 | 955 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,398,000 | 1,817 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,136,000 | 2,585 |
| Total interest expense | $1,884,000 | 2,990 |
| Net interest income | $6,252,000 | 2,420 |
| Provision for loan and lease losses | $151,000 | 3,503 |
| Total noninterest income | $1,622,000 | 2,089 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,278,000 | 1,054 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $344,000 | 3,466 |
| Total noninterest expense | $3,819,000 | 3,031 |
| Salaries and employee benefits | $2,109,000 | 2,991 |
| Premises and equipment expense | $284,000 | 4,932 |
| Additional noninterest expense | $1,426,000 | 2,499 |
| Pre-tax net operating income | $3,904,000 | 1,649 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,437,000 | 1,331 |
| Income before extraordinary items | $2,467,000 | 1,921 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,467,000 | 1,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $2,205,000 | 896 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,467,000 | 1,872 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,365,000 | 2,602 |
| Total interest expense | $1,226,000 | 3,030 |
| Net interest income | $4,139,000 | 2,415 |
| Provision for loan and lease losses | $121,000 | 3,085 |
| Total noninterest income | $1,070,000 | 2,094 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $880,000 | 999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $190,000 | 3,837 |
| Total noninterest expense | $2,554,000 | 3,023 |
| Salaries and employee benefits | $1,422,000 | 2,976 |
| Premises and equipment expense | $187,000 | 4,999 |
| Additional noninterest expense | $945,000 | 2,507 |
| Pre-tax net operating income | $2,534,000 | 1,663 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $931,000 | 1,357 |
| Income before extraordinary items | $1,603,000 | 1,953 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,603,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 4,719 |
| Cash dividends | $1,384,000 | 967 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,603,000 | 1,900 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,701,000 | 2,582 |
| Total interest expense | $600,000 | 3,115 |
| Net interest income | $2,101,000 | 2,378 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $497,000 | 2,170 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $397,000 | 1,076 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $100,000 | 3,719 |
| Total noninterest expense | $1,314,000 | 2,956 |
| Salaries and employee benefits | $723,000 | 2,931 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $496,000 | 2,379 |
| Pre-tax net operating income | $1,209,000 | 1,700 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $443,000 | 1,432 |
| Income before extraordinary items | $766,000 | 2,019 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $766,000 | 2,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $562,000 | 1,083 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $766,000 | 1,940 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,067,000 | 2,567 |
| Total interest expense | $2,713,000 | 3,134 |
| Net interest income | $8,354,000 | 2,324 |
| Provision for loan and lease losses | $195,000 | 4,077 |
| Total noninterest income | $1,990,000 | 2,328 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,578,000 | 1,097 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $412,000 | 3,929 |
| Total noninterest expense | $5,425,000 | 2,849 |
| Salaries and employee benefits | $2,701,000 | 3,048 |
| Premises and equipment expense | $557,000 | 3,727 |
| Additional noninterest expense | $2,167,000 | 2,222 |
| Pre-tax net operating income | $4,724,000 | 1,706 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,724,000 | 1,435 |
| Income before extraordinary items | $3,000,000 | 2,047 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,000,000 | 2,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 4,070 |
| Cash dividends | $2,252,000 | 1,251 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,000,000 | 1,950 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,381,000 | 2,588 |
| Total interest expense | $2,110,000 | 3,136 |
| Net interest income | $6,271,000 | 2,326 |
| Provision for loan and lease losses | $150,000 | 3,902 |
| Total noninterest income | $1,473,000 | 2,393 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,141,000 | 1,136 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $332,000 | 3,874 |
| Total noninterest expense | $4,085,000 | 2,845 |
| Salaries and employee benefits | $2,040,000 | 3,036 |
| Premises and equipment expense | $346,000 | 4,302 |
| Additional noninterest expense | $1,699,000 | 2,115 |
| Pre-tax net operating income | $3,509,000 | 1,786 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,279,000 | 1,523 |
| Income before extraordinary items | $2,230,000 | 2,112 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,230,000 | 2,110 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,504 |
| Cash dividends | $1,833,000 | 1,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,230,000 | 2,007 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,694,000 | 2,560 |
| Total interest expense | $1,488,000 | 3,070 |
| Net interest income | $4,206,000 | 2,308 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $979,000 | 2,394 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $748,000 | 1,142 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $231,000 | 3,762 |
| Total noninterest expense | $2,667,000 | 2,896 |
| Salaries and employee benefits | $1,363,000 | 3,032 |
| Premises and equipment expense | $219,000 | 4,445 |
| Additional noninterest expense | $1,085,000 | 2,193 |
| Pre-tax net operating income | $2,338,000 | 1,780 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $852,000 | 1,542 |
| Income before extraordinary items | $1,486,000 | 2,125 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,486,000 | 2,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 2,900 |
| Cash dividends | $1,484,000 | 956 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,486,000 | 2,009 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,904,000 | 2,523 |
| Total interest expense | $772,000 | 3,029 |
| Net interest income | $2,132,000 | 2,281 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $495,000 | 2,295 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $362,000 | 1,141 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $133,000 | 3,422 |
| Total noninterest expense | $1,307,000 | 2,927 |
| Salaries and employee benefits | $685,000 | 3,013 |
| Premises and equipment expense | $109,000 | 4,452 |
| Additional noninterest expense | $513,000 | 2,284 |
| Pre-tax net operating income | $1,230,000 | 1,704 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $449,000 | 1,502 |
| Income before extraordinary items | $781,000 | 2,014 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $781,000 | 2,012 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 2,432 |
| Cash dividends | $500,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $781,000 | 1,901 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,636,000 | 2,451 |
| Total interest expense | $3,584,000 | 3,025 |
| Net interest income | $9,052,000 | 2,146 |
| Provision for loan and lease losses | $580,000 | 2,129 |
| Total noninterest income | $1,981,000 | 2,146 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,471,000 | 1,092 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $510,000 | 3,248 |
| Total noninterest expense | $5,112,000 | 2,872 |
| Salaries and employee benefits | $2,673,000 | 2,950 |
| Premises and equipment expense | $446,000 | 4,288 |
| Additional noninterest expense | $1,993,000 | 2,315 |
| Pre-tax net operating income | $5,341,000 | 1,534 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,951,000 | 1,313 |
| Income before extraordinary items | $3,390,000 | 1,766 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,390,000 | 1,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 2,056 |
| Cash dividends | $4,364,000 | 696 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,390,000 | 1,715 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $15,861,000 | 2,174 |
| Total interest expense | $6,625,000 | 2,427 |
| Net interest income | $9,236,000 | 1,930 |
| Provision for loan and lease losses | $610,000 | 1,871 |
| Total noninterest income | $2,186,000 | 1,880 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,527,000 | 974 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $659,000 | 2,667 |
| Total noninterest expense | $5,028,000 | 2,812 |
| Salaries and employee benefits | $2,677,000 | 2,783 |
| Premises and equipment expense | $482,000 | 4,013 |
| Additional noninterest expense | $1,869,000 | 2,390 |
| Pre-tax net operating income | $5,784,000 | 1,280 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $2,115,000 | 1,123 |
| Income before extraordinary items | $3,669,000 | 1,465 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,669,000 | 1,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $477,000 | 1,608 |
| Cash dividends | $1,533,000 | 1,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,669,000 | 1,411 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,506,000 | 2,132 |
| Total interest expense | $7,724,000 | 2,199 |
| Net interest income | $8,782,000 | 2,021 |
| Provision for loan and lease losses | $1,374,000 | 824 |
| Total noninterest income | $1,853,000 | 1,993 |
| Gross Fiduciary activities income | $133,000 | 882 |
| Service charges on deposit accounts | $1,159,000 | 1,168 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $561,000 | 2,747 |
| Total noninterest expense | $4,479,000 | 3,010 |
| Salaries and employee benefits | $2,448,000 | 2,882 |
| Premises and equipment expense | $509,000 | 3,736 |
| Additional noninterest expense | $1,522,000 | 2,779 |
| Pre-tax net operating income | $4,782,000 | 1,546 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,716,000 | 1,345 |
| Income before extraordinary items | $3,066,000 | 1,711 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,066,000 | 1,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,202,000 | 658 |
| Cash dividends | $2,823,000 | 1,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,066,000 | 1,704 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $13,771,000 | 2,375 |
| Total interest expense | $5,697,000 | 2,589 |
| Net interest income | $8,074,000 | 2,173 |
| Provision for loan and lease losses | $272,000 | 2,889 |
| Total noninterest income | $1,894,000 | 1,933 |
| Gross Fiduciary activities income | $142,000 | 931 |
| Service charges on deposit accounts | $1,109,000 | 1,196 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $643,000 | 2,523 |
| Total noninterest expense | $4,604,000 | 2,929 |
| Salaries and employee benefits | $2,666,000 | 2,656 |
| Premises and equipment expense | $522,000 | 3,631 |
| Additional noninterest expense | $1,416,000 | 3,001 |
| Pre-tax net operating income | $5,092,000 | 1,480 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $1,835,000 | 1,331 |
| Income before extraordinary items | $3,267,000 | 1,636 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,267,000 | 1,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 2,053 |
| Cash dividends | $2,296,000 | 1,224 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,260,600 | 1,607 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $13,618,000 | 2,391 |
| Total interest expense | $6,148,000 | 2,472 |
| Net interest income | $7,470,000 | 2,289 |
| Provision for loan and lease losses | $215,000 | 3,365 |
| Total noninterest income | $1,732,000 | 2,032 |
| Gross Fiduciary activities income | $109,000 | 994 |
| Service charges on deposit accounts | $976,000 | 1,280 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $647,000 | 2,522 |
| Total noninterest expense | $4,332,000 | 2,997 |
| Salaries and employee benefits | $2,536,000 | 2,666 |
| Premises and equipment expense | $560,000 | 3,380 |
| Additional noninterest expense | $1,236,000 | 3,283 |
| Pre-tax net operating income | $4,655,000 | 1,595 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,696,000 | 1,455 |
| Income before extraordinary items | $2,959,000 | 1,782 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,959,000 | 1,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $184,000 | 2,586 |
| Cash dividends | $2,351,000 | 1,183 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,959,000 | 1,707 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,178,000 | 2,488 |
| Total interest expense | $5,903,000 | 2,525 |
| Net interest income | $7,275,000 | 2,392 |
| Provision for loan and lease losses | $305,000 | 2,540 |
| Total noninterest income | $1,604,000 | 2,086 |
| Gross Fiduciary activities income | $65,000 | 1,125 |
| Service charges on deposit accounts | $918,000 | 1,406 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $621,000 | 2,411 |
| Total noninterest expense | $4,160,000 | 3,072 |
| Salaries and employee benefits | $2,368,000 | 2,795 |
| Premises and equipment expense | $538,000 | 3,470 |
| Additional noninterest expense | $1,254,000 | 3,224 |
| Pre-tax net operating income | $4,414,000 | 1,733 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,622,000 | 1,589 |
| Income before extraordinary items | $2,792,000 | 1,887 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,792,000 | 1,887 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,195 |
| Cash dividends | $1,994,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,792,000 | 1,835 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $12,391,000 | 2,688 |
| Total interest expense | $5,489,000 | 2,770 |
| Net interest income | $6,902,000 | 2,558 |
| Provision for loan and lease losses | $275,000 | 2,762 |
| Total noninterest income | $1,397,000 | 2,425 |
| Gross Fiduciary activities income | $34,000 | 1,292 |
| Service charges on deposit accounts | $794,000 | 1,688 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $569,000 | 2,663 |
| Total noninterest expense | $3,923,000 | 3,409 |
| Salaries and employee benefits | $2,193,000 | 3,048 |
| Premises and equipment expense | $522,000 | 3,650 |
| Additional noninterest expense | $1,208,000 | 3,760 |
| Pre-tax net operating income | $4,101,000 | 1,751 |
| Securities gains (losses) | $-4,000 | 9,823 |
| Applicable income taxes | $1,547,000 | 1,562 |
| Income before extraordinary items | $2,550,000 | 1,938 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,550,000 | 1,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,972 |
| Cash dividends | $1,635,000 | 1,479 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,552,560 | 1,899 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,629,000 | 2,859 |
| Total interest expense | $5,223,000 | 2,920 |
| Net interest income | $6,406,000 | 2,792 |
| Provision for loan and lease losses | $260,000 | 2,490 |
| Total noninterest income | $1,232,000 | 2,659 |
| Gross Fiduciary activities income | $38,000 | 1,331 |
| Service charges on deposit accounts | $669,000 | 2,019 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $525,000 | 2,780 |
| Total noninterest expense | $3,599,000 | 3,641 |
| Salaries and employee benefits | $1,985,000 | 3,332 |
| Premises and equipment expense | $413,000 | 4,404 |
| Additional noninterest expense | $1,201,000 | 3,737 |
| Pre-tax net operating income | $3,779,000 | 1,955 |
| Securities gains (losses) | $-16,000 | 10,415 |
| Applicable income taxes | $1,400,000 | 1,750 |
| Income before extraordinary items | $2,363,000 | 2,144 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,363,000 | 2,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $252,000 | 2,175 |
| Cash dividends | $2,074,000 | 1,199 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,373,240 | 2,093 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,074,000 | 3,014 |
| Total interest expense | $3,982,000 | 3,072 |
| Net interest income | $6,092,000 | 2,962 |
| Provision for loan and lease losses | $255,000 | 2,547 |
| Total noninterest income | $1,099,000 | 2,906 |
| Gross Fiduciary activities income | $92,000 | 1,197 |
| Service charges on deposit accounts | $642,000 | 2,104 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $365,000 | 3,622 |
| Total noninterest expense | $3,565,000 | 3,783 |
| Salaries and employee benefits | $1,944,000 | 3,377 |
| Premises and equipment expense | $398,000 | 4,605 |
| Additional noninterest expense | $1,223,000 | 3,990 |
| Pre-tax net operating income | $3,371,000 | 2,114 |
| Securities gains (losses) | $18,000 | 1,859 |
| Applicable income taxes | $1,233,000 | 1,838 |
| Income before extraordinary items | $2,156,000 | 2,255 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,156,000 | 2,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,896 |
| Cash dividends | $882,000 | 2,127 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,144,480 | 2,295 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,268,000 | 3,332 |
| Total interest expense | $4,078,000 | 3,120 |
| Net interest income | $5,190,000 | 3,448 |
| Provision for loan and lease losses | $365,000 | 2,613 |
| Total noninterest income | $1,216,000 | 2,880 |
| Gross Fiduciary activities income | $95,000 | 1,223 |
| Service charges on deposit accounts | $662,000 | 2,061 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $459,000 | 3,436 |
| Total noninterest expense | $3,329,000 | 4,102 |
| Salaries and employee benefits | $1,880,000 | 3,469 |
| Premises and equipment expense | $344,000 | 5,303 |
| Additional noninterest expense | $1,105,000 | 4,514 |
| Pre-tax net operating income | $2,712,000 | 2,520 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $947,000 | 2,398 |
| Income before extraordinary items | $1,765,000 | 2,810 |
| Extraordinary gains, net | $-28,000 | 12,537 |
| Net income | $1,737,000 | 2,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,994 |
| Cash dividends | $778,000 | 2,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,765,000 | 2,663 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,736,000 | 3,959 |
| Total interest expense | $4,125,000 | 3,963 |
| Net interest income | $4,611,000 | 3,913 |
| Provision for loan and lease losses | $375,000 | 3,592 |
| Total noninterest income | $1,201,000 | 2,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $674,000 | 2,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $527,000 | 3,079 |
| Total noninterest expense | $3,317,000 | 4,141 |
| Salaries and employee benefits | $1,971,000 | 3,250 |
| Premises and equipment expense | $343,000 | 5,446 |
| Additional noninterest expense | $1,003,000 | 5,038 |
| Pre-tax net operating income | $2,120,000 | 2,939 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $696,000 | 3,001 |
| Income before extraordinary items | $1,424,000 | 3,225 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,424,000 | 3,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $436,000 | 2,686 |
| Cash dividends | $584,000 | 2,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,424,000 | 2,996 |
* 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.