Home > Commercial State Bank of Waterloo > Income and Expense
Commercial State Bank of Waterloo, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,218,000 | 4,398 |
| Total interest expense | $3,564,000 | 3,804 |
| Net interest income | $3,654,000 | 4,853 |
| Provision for loan and lease losses | $2,426,000 | 1,589 |
| Total noninterest income | $423,000 | 5,176 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $289,000 | 4,086 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $134,000 | 5,499 |
| Total noninterest expense | $4,385,000 | 3,963 |
| Salaries and employee benefits | $1,923,000 | 4,594 |
| Premises and equipment expense | $1,517,000 | 1,798 |
| Additional noninterest expense | $945,000 | 4,997 |
| Pre-tax net operating income | $-2,734,000 | 7,533 |
| Securities gains (losses) | $-1,996,000 | 7,900 |
| Applicable income taxes | $-466,000 | 7,469 |
| Income before extraordinary items | $-4,264,000 | 7,761 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,264,000 | 7,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,009,000 | 1,282 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,467,600 | 7,586 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,678,000 | 4,347 |
| Total interest expense | $2,941,000 | 3,672 |
| Net interest income | $2,737,000 | 4,886 |
| Provision for loan and lease losses | $2,272,000 | 1,087 |
| Total noninterest income | $428,000 | 4,682 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $203,000 | 4,230 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $225,000 | 4,204 |
| Total noninterest expense | $3,293,000 | 3,931 |
| Salaries and employee benefits | $1,457,000 | 4,576 |
| Premises and equipment expense | $1,131,000 | 1,812 |
| Additional noninterest expense | $705,000 | 4,928 |
| Pre-tax net operating income | $-2,400,000 | 7,930 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-466,000 | 7,862 |
| Income before extraordinary items | $-1,934,000 | 7,847 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,934,000 | 7,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,710,000 | 931 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-1,934,000 | 7,927 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,927,000 | 4,306 |
| Total interest expense | $2,147,000 | 3,566 |
| Net interest income | $1,780,000 | 4,969 |
| Provision for loan and lease losses | $1,641,000 | 890 |
| Total noninterest income | $325,000 | 4,458 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $123,000 | 4,418 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $202,000 | 3,744 |
| Total noninterest expense | $2,098,000 | 4,101 |
| Salaries and employee benefits | $961,000 | 4,656 |
| Premises and equipment expense | $584,000 | 2,323 |
| Additional noninterest expense | $553,000 | 4,428 |
| Pre-tax net operating income | $-1,634,000 | 8,110 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-403,000 | 8,134 |
| Income before extraordinary items | $-1,231,000 | 8,080 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,231,000 | 8,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $819,000 | 972 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,231,000 | 8,068 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,047,000 | 4,254 |
| Total interest expense | $1,107,000 | 3,645 |
| Net interest income | $940,000 | 4,829 |
| Provision for loan and lease losses | $1,037,000 | 608 |
| Total noninterest income | $114,000 | 5,182 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $53,000 | 4,696 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $61,000 | 4,665 |
| Total noninterest expense | $1,032,000 | 4,149 |
| Salaries and employee benefits | $487,000 | 4,645 |
| Premises and equipment expense | $343,000 | 1,985 |
| Additional noninterest expense | $202,000 | 5,350 |
| Pre-tax net operating income | $-1,015,000 | 8,274 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-403,000 | 8,342 |
| Income before extraordinary items | $-612,000 | 8,200 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-612,000 | 8,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 1,882 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-612,000 | 8,187 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $9,084,000 | 4,010 |
| Total interest expense | $5,331,000 | 3,310 |
| Net interest income | $3,753,000 | 4,810 |
| Provision for loan and lease losses | $286,000 | 3,280 |
| Total noninterest income | $688,000 | 4,342 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $196,000 | 4,950 |
| Trading account gains and fees | $-6,000 | 8,457 |
| Additional Noninterest Income | $498,000 | 3,320 |
| Total noninterest expense | $3,723,000 | 4,338 |
| Salaries and employee benefits | $1,703,000 | 4,924 |
| Premises and equipment expense | $1,199,000 | 2,165 |
| Additional noninterest expense | $821,000 | 5,264 |
| Pre-tax net operating income | $432,000 | 6,183 |
| Securities gains (losses) | $-4,000 | 7,335 |
| Applicable income taxes | $105,000 | 4,451 |
| Income before extraordinary items | $323,000 | 6,337 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $323,000 | 6,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 5,071 |
| Cash dividends | $54,000 | 5,567 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $326,000 | 6,306 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,931,000 | 3,988 |
| Total interest expense | $4,153,000 | 3,205 |
| Net interest income | $2,778,000 | 4,871 |
| Provision for loan and lease losses | $130,000 | 3,745 |
| Total noninterest income | $500,000 | 4,421 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $132,000 | 5,168 |
| Trading account gains and fees | $-6,000 | 8,496 |
| Additional Noninterest Income | $374,000 | 3,331 |
| Total noninterest expense | $2,737,000 | 4,385 |
| Salaries and employee benefits | $1,244,000 | 4,977 |
| Premises and equipment expense | $862,000 | 2,245 |
| Additional noninterest expense | $631,000 | 5,135 |
| Pre-tax net operating income | $411,000 | 6,120 |
| Securities gains (losses) | $-4,000 | 7,564 |
| Applicable income taxes | $91,000 | 4,529 |
| Income before extraordinary items | $316,000 | 6,233 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $316,000 | 6,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,289 |
| Cash dividends | $27,000 | 5,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $319,120 | 6,208 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,694,000 | 3,959 |
| Total interest expense | $2,878,000 | 3,104 |
| Net interest income | $1,816,000 | 4,967 |
| Provision for loan and lease losses | $85,000 | 3,599 |
| Total noninterest income | $334,000 | 4,434 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $86,000 | 5,219 |
| Trading account gains and fees | $-6,000 | 8,545 |
| Additional Noninterest Income | $254,000 | 3,313 |
| Total noninterest expense | $1,791,000 | 4,456 |
| Salaries and employee benefits | $824,000 | 5,032 |
| Premises and equipment expense | $573,000 | 2,254 |
| Additional noninterest expense | $394,000 | 5,347 |
| Pre-tax net operating income | $274,000 | 6,200 |
| Securities gains (losses) | $-4,000 | 7,813 |
| Applicable income taxes | $47,000 | 4,816 |
| Income before extraordinary items | $223,000 | 6,203 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $223,000 | 6,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,576 |
| Cash dividends | $27,000 | 4,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $226,320 | 6,171 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,395,000 | 3,893 |
| Total interest expense | $1,484,000 | 3,011 |
| Net interest income | $911,000 | 4,958 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $207,000 | 3,932 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $42,000 | 5,203 |
| Trading account gains and fees | $52,000 | 136 |
| Additional Noninterest Income | $113,000 | 3,538 |
| Total noninterest expense | $922,000 | 4,375 |
| Salaries and employee benefits | $415,000 | 5,047 |
| Premises and equipment expense | $286,000 | 2,281 |
| Additional noninterest expense | $221,000 | 4,921 |
| Pre-tax net operating income | $161,000 | 5,928 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $27,000 | 4,694 |
| Income before extraordinary items | $134,000 | 5,876 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $134,000 | 5,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $134,000 | 5,854 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $8,549,000 | 4,025 |
| Total interest expense | $4,690,000 | 3,190 |
| Net interest income | $3,859,000 | 4,759 |
| Provision for loan and lease losses | $115,000 | 4,549 |
| Total noninterest income | $595,000 | 4,753 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $171,000 | 5,291 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $424,000 | 3,634 |
| Total noninterest expense | $3,297,000 | 4,577 |
| Salaries and employee benefits | $1,554,000 | 5,073 |
| Premises and equipment expense | $985,000 | 2,512 |
| Additional noninterest expense | $758,000 | 5,395 |
| Pre-tax net operating income | $1,042,000 | 5,100 |
| Securities gains (losses) | $-19,000 | 7,524 |
| Applicable income taxes | $284,000 | 3,884 |
| Income before extraordinary items | $739,000 | 5,385 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $739,000 | 5,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 2,944 |
| Cash dividends | $144,000 | 5,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $752,680 | 5,342 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $6,159,000 | 4,111 |
| Total interest expense | $3,222,000 | 3,311 |
| Net interest income | $2,937,000 | 4,755 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $442,000 | 4,803 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $125,000 | 5,396 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $317,000 | 3,644 |
| Total noninterest expense | $2,404,000 | 4,661 |
| Salaries and employee benefits | $1,149,000 | 5,111 |
| Premises and equipment expense | $748,000 | 2,483 |
| Additional noninterest expense | $507,000 | 5,727 |
| Pre-tax net operating income | $915,000 | 4,915 |
| Securities gains (losses) | $-15,000 | 7,737 |
| Applicable income taxes | $258,000 | 3,789 |
| Income before extraordinary items | $642,000 | 5,197 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $642,000 | 5,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,313 |
| Cash dividends | $90,000 | 4,802 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $652,650 | 5,153 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,921,000 | 4,189 |
| Total interest expense | $1,936,000 | 3,472 |
| Net interest income | $1,985,000 | 4,738 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $297,000 | 4,776 |
| 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 | $217,000 | 3,589 |
| Total noninterest expense | $1,564,000 | 4,756 |
| Salaries and employee benefits | $765,000 | 5,133 |
| Premises and equipment expense | $489,000 | 2,526 |
| Additional noninterest expense | $310,000 | 5,972 |
| Pre-tax net operating income | $688,000 | 4,672 |
| Securities gains (losses) | $-15,000 | 7,996 |
| Applicable income taxes | $202,000 | 3,606 |
| Income before extraordinary items | $471,000 | 5,033 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $471,000 | 5,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $90,000 | 4,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $481,500 | 4,973 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,862,000 | 4,282 |
| Total interest expense | $899,000 | 3,545 |
| Net interest income | $963,000 | 4,817 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $160,000 | 4,504 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $38,000 | 5,504 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $122,000 | 3,355 |
| Total noninterest expense | $823,000 | 4,602 |
| Salaries and employee benefits | $393,000 | 5,071 |
| Premises and equipment expense | $250,000 | 2,467 |
| Additional noninterest expense | $180,000 | 5,503 |
| Pre-tax net operating income | $285,000 | 5,089 |
| Securities gains (losses) | $-15,000 | 8,324 |
| Applicable income taxes | $72,000 | 4,009 |
| Income before extraordinary items | $198,000 | 5,374 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $198,000 | 5,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $208,950 | 5,266 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,206,000 | 4,522 |
| Total interest expense | $2,570,000 | 3,737 |
| Net interest income | $3,636,000 | 4,905 |
| Provision for loan and lease losses | $5,000 | 6,973 |
| Total noninterest income | $586,000 | 4,844 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $156,000 | 5,554 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $430,000 | 3,654 |
| Total noninterest expense | $3,026,000 | 4,743 |
| Salaries and employee benefits | $1,440,000 | 5,192 |
| Premises and equipment expense | $962,000 | 2,452 |
| Additional noninterest expense | $624,000 | 5,936 |
| Pre-tax net operating income | $1,191,000 | 4,922 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $303,000 | 4,116 |
| Income before extraordinary items | $888,000 | 5,115 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $888,000 | 5,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 5,005 |
| Cash dividends | $241,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $888,000 | 5,072 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,510,000 | 4,561 |
| Total interest expense | $1,768,000 | 3,853 |
| Net interest income | $2,742,000 | 4,908 |
| Provision for loan and lease losses | $5,000 | 6,713 |
| Total noninterest income | $438,000 | 4,892 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $115,000 | 5,606 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $323,000 | 3,673 |
| Total noninterest expense | $2,235,000 | 4,753 |
| Salaries and employee benefits | $1,067,000 | 5,208 |
| Premises and equipment expense | $707,000 | 2,488 |
| Additional noninterest expense | $461,000 | 5,950 |
| Pre-tax net operating income | $940,000 | 4,929 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $223,000 | 4,260 |
| Income before extraordinary items | $719,000 | 5,022 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $719,000 | 5,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 4,341 |
| Cash dividends | $90,000 | 4,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $717,480 | 4,987 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,890,000 | 4,616 |
| Total interest expense | $1,063,000 | 3,965 |
| Net interest income | $1,827,000 | 4,901 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $284,000 | 4,930 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $71,000 | 5,702 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $213,000 | 3,658 |
| Total noninterest expense | $1,440,000 | 4,866 |
| Salaries and employee benefits | $690,000 | 5,290 |
| Premises and equipment expense | $467,000 | 2,480 |
| Additional noninterest expense | $283,000 | 6,173 |
| Pre-tax net operating income | $671,000 | 4,724 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $169,000 | 4,071 |
| Income before extraordinary items | $502,000 | 4,880 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $502,000 | 4,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $90,000 | 4,372 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $502,000 | 4,834 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,394,000 | 4,707 |
| Total interest expense | $484,000 | 4,112 |
| Net interest income | $910,000 | 4,924 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $144,000 | 4,812 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $32,000 | 5,874 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $112,000 | 3,523 |
| Total noninterest expense | $704,000 | 4,982 |
| Salaries and employee benefits | $335,000 | 5,428 |
| Premises and equipment expense | $232,000 | 2,518 |
| Additional noninterest expense | $137,000 | 6,307 |
| Pre-tax net operating income | $350,000 | 4,592 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $90,000 | 3,936 |
| Income before extraordinary items | $260,000 | 4,757 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $260,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,295 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $260,000 | 4,720 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,875,000 | 4,931 |
| Total interest expense | $1,487,000 | 4,530 |
| Net interest income | $3,388,000 | 5,014 |
| Provision for loan and lease losses | $35,000 | 6,319 |
| Total noninterest income | $514,000 | 5,198 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $141,000 | 5,910 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $373,000 | 3,845 |
| Total noninterest expense | $2,601,000 | 5,161 |
| Salaries and employee benefits | $1,296,000 | 5,445 |
| Premises and equipment expense | $773,000 | 2,874 |
| Additional noninterest expense | $532,000 | 6,362 |
| Pre-tax net operating income | $1,266,000 | 4,658 |
| Securities gains (losses) | $551,000 | 427 |
| Applicable income taxes | $536,000 | 3,229 |
| Income before extraordinary items | $1,281,000 | 4,028 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,281,000 | 4,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,491 |
| Cash dividends | $270,000 | 4,510 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $889,790 | 4,932 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,513,000 | 5,045 |
| Total interest expense | $1,036,000 | 4,694 |
| Net interest income | $2,477,000 | 5,089 |
| Provision for loan and lease losses | $35,000 | 5,873 |
| Total noninterest income | $384,000 | 5,241 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $102,000 | 6,016 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $282,000 | 3,848 |
| Total noninterest expense | $1,939,000 | 5,143 |
| Salaries and employee benefits | $951,000 | 5,485 |
| Premises and equipment expense | $576,000 | 2,896 |
| Additional noninterest expense | $412,000 | 6,219 |
| Pre-tax net operating income | $887,000 | 4,920 |
| Securities gains (losses) | $540,000 | 409 |
| Applicable income taxes | $422,000 | 3,210 |
| Income before extraordinary items | $1,005,000 | 3,981 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,005,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,698 |
| Cash dividends | $90,000 | 4,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $627,000 | 5,160 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,330,000 | 5,072 |
| Total interest expense | $665,000 | 4,811 |
| Net interest income | $1,665,000 | 5,060 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $253,000 | 5,254 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $66,000 | 6,081 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $187,000 | 3,877 |
| Total noninterest expense | $1,254,000 | 5,279 |
| Salaries and employee benefits | $624,000 | 5,565 |
| Premises and equipment expense | $364,000 | 3,027 |
| Additional noninterest expense | $266,000 | 6,335 |
| Pre-tax net operating income | $664,000 | 4,577 |
| Securities gains (losses) | $410,000 | 400 |
| Applicable income taxes | $324,000 | 2,940 |
| Income before extraordinary items | $750,000 | 3,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $750,000 | 3,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $34,000 | 3,529 |
| Cash dividends | $90,000 | 4,296 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $463,000 | 4,843 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,166,000 | 5,094 |
| Total interest expense | $332,000 | 4,864 |
| Net interest income | $834,000 | 5,068 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $122,000 | 5,292 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $91,000 | 3,909 |
| Total noninterest expense | $589,000 | 5,509 |
| Salaries and employee benefits | $291,000 | 5,818 |
| Premises and equipment expense | $178,000 | 3,109 |
| Additional noninterest expense | $120,000 | 6,670 |
| Pre-tax net operating income | $367,000 | 4,308 |
| Securities gains (losses) | $128,000 | 686 |
| Applicable income taxes | $162,000 | 2,950 |
| Income before extraordinary items | $333,000 | 3,983 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $333,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,731 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $247,240 | 4,671 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,893,000 | 4,968 |
| Total interest expense | $1,751,000 | 4,434 |
| Net interest income | $3,142,000 | 5,155 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $560,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $126,000 | 6,195 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $434,000 | 3,821 |
| Total noninterest expense | $2,338,000 | 5,463 |
| Salaries and employee benefits | $1,160,000 | 5,757 |
| Premises and equipment expense | $665,000 | 3,221 |
| Additional noninterest expense | $513,000 | 6,480 |
| Pre-tax net operating income | $1,364,000 | 4,369 |
| Securities gains (losses) | $97,000 | 1,927 |
| Applicable income taxes | $446,000 | 3,584 |
| Income before extraordinary items | $1,015,000 | 4,607 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,015,000 | 4,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 4,746 |
| Cash dividends | $234,000 | 4,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $948,070 | 4,627 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,684,000 | 5,012 |
| Total interest expense | $1,366,000 | 4,439 |
| Net interest income | $2,318,000 | 5,240 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $449,000 | 5,024 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $94,000 | 6,246 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $355,000 | 3,745 |
| Total noninterest expense | $1,694,000 | 5,552 |
| Salaries and employee benefits | $843,000 | 5,833 |
| Premises and equipment expense | $463,000 | 3,431 |
| Additional noninterest expense | $388,000 | 6,431 |
| Pre-tax net operating income | $1,073,000 | 4,376 |
| Securities gains (losses) | $69,000 | 2,046 |
| Applicable income taxes | $352,000 | 3,631 |
| Income before extraordinary items | $790,000 | 4,630 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $790,000 | 4,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,181 |
| Cash dividends | $144,000 | 4,439 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $742,390 | 4,620 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,474,000 | 5,023 |
| Total interest expense | $945,000 | 4,434 |
| Net interest income | $1,529,000 | 5,268 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $338,000 | 4,674 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $63,000 | 6,212 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $275,000 | 3,456 |
| Total noninterest expense | $1,094,000 | 5,673 |
| Salaries and employee benefits | $548,000 | 5,931 |
| Premises and equipment expense | $297,000 | 3,520 |
| Additional noninterest expense | $249,000 | 6,534 |
| Pre-tax net operating income | $773,000 | 4,142 |
| Securities gains (losses) | $62,000 | 1,873 |
| Applicable income taxes | $265,000 | 3,450 |
| Income before extraordinary items | $570,000 | 4,444 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $570,000 | 4,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,977 |
| Cash dividends | $144,000 | 3,922 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $527,840 | 4,450 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,237,000 | 5,057 |
| Total interest expense | $479,000 | 4,474 |
| Net interest income | $758,000 | 5,287 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $149,000 | 4,901 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $31,000 | 6,193 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $118,000 | 3,632 |
| Total noninterest expense | $555,000 | 5,605 |
| Salaries and employee benefits | $266,000 | 6,035 |
| Premises and equipment expense | $149,000 | 3,507 |
| Additional noninterest expense | $140,000 | 6,173 |
| Pre-tax net operating income | $352,000 | 4,376 |
| Securities gains (losses) | $25,000 | 1,791 |
| Applicable income taxes | $114,000 | 3,720 |
| Income before extraordinary items | $263,000 | 4,598 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $263,000 | 4,598 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $245,500 | 4,574 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,146,000 | 5,084 |
| Total interest expense | $2,277,000 | 4,406 |
| Net interest income | $2,869,000 | 5,421 |
| Provision for loan and lease losses | $60,000 | 6,444 |
| Total noninterest income | $498,000 | 5,231 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $130,000 | 6,118 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $368,000 | 3,840 |
| Total noninterest expense | $2,055,000 | 5,792 |
| Salaries and employee benefits | $967,000 | 6,259 |
| Premises and equipment expense | $546,000 | 3,685 |
| Additional noninterest expense | $542,000 | 6,274 |
| Pre-tax net operating income | $1,252,000 | 4,600 |
| Securities gains (losses) | $30,000 | 2,835 |
| Applicable income taxes | $398,000 | 3,893 |
| Income before extraordinary items | $884,000 | 4,928 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $884,000 | 4,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 5,450 |
| Cash dividends | $234,000 | 4,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $863,300 | 4,867 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,601,000 | 5,221 |
| Total interest expense | $3,164,000 | 4,539 |
| Net interest income | $2,437,000 | 5,795 |
| Provision for loan and lease losses | $34,000 | 7,144 |
| Total noninterest income | $368,000 | 5,898 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $132,000 | 6,053 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $236,000 | 4,599 |
| Total noninterest expense | $1,853,000 | 6,017 |
| Salaries and employee benefits | $914,000 | 6,307 |
| Premises and equipment expense | $473,000 | 4,082 |
| Additional noninterest expense | $466,000 | 6,675 |
| Pre-tax net operating income | $918,000 | 5,130 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $284,000 | 4,384 |
| Income before extraordinary items | $634,000 | 5,475 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $634,000 | 5,479 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,826 |
| Cash dividends | $180,000 | 5,124 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $634,000 | 5,355 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,190,000 | 5,607 |
| Total interest expense | $3,003,000 | 4,928 |
| Net interest income | $2,187,000 | 6,288 |
| Provision for loan and lease losses | $5,000 | 8,144 |
| Total noninterest income | $253,000 | 6,747 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $113,000 | 6,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 5,650 |
| Total noninterest expense | $1,665,000 | 6,333 |
| Salaries and employee benefits | $834,000 | 6,576 |
| Premises and equipment expense | $412,000 | 4,413 |
| Additional noninterest expense | $419,000 | 7,003 |
| Pre-tax net operating income | $770,000 | 5,969 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $237,000 | 5,081 |
| Income before extraordinary items | $533,000 | 6,153 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $533,000 | 6,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,846 |
| Cash dividends | $180,000 | 5,278 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $533,000 | 6,164 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,170,000 | 6,217 |
| Total interest expense | $2,172,000 | 5,698 |
| Net interest income | $1,998,000 | 6,647 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $235,000 | 7,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 6,892 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $144,000 | 5,700 |
| Total noninterest expense | $1,419,000 | 6,994 |
| Salaries and employee benefits | $725,000 | 7,111 |
| Premises and equipment expense | $358,000 | 4,887 |
| Additional noninterest expense | $336,000 | 7,822 |
| Pre-tax net operating income | $814,000 | 5,873 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $251,000 | 5,195 |
| Income before extraordinary items | $565,000 | 6,075 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $565,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,085 |
| Cash dividends | $180,000 | 5,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $563,620 | 6,058 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,947,000 | 6,526 |
| Total interest expense | $2,060,000 | 6,085 |
| Net interest income | $1,887,000 | 6,883 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $200,000 | 7,571 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $83,000 | 7,212 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $117,000 | 6,262 |
| Total noninterest expense | $1,356,000 | 7,084 |
| Salaries and employee benefits | $675,000 | 7,335 |
| Premises and equipment expense | $366,000 | 4,735 |
| Additional noninterest expense | $315,000 | 7,987 |
| Pre-tax net operating income | $731,000 | 6,373 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $227,000 | 5,868 |
| Income before extraordinary items | $504,000 | 6,584 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $504,000 | 6,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 9,552 |
| Cash dividends | $180,000 | 5,532 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $504,000 | 6,468 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 6,961 |
| Total interest expense | $1,824,000 | 6,622 |
| Net interest income | $1,864,000 | 7,192 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $194,000 | 7,918 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,332 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 6,788 |
| Total noninterest expense | $1,219,000 | 7,606 |
| Salaries and employee benefits | $604,000 | 7,890 |
| Premises and equipment expense | $307,000 | 5,388 |
| Additional noninterest expense | $308,000 | 8,241 |
| Pre-tax net operating income | $839,000 | 6,367 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $258,000 | 6,177 |
| Income before extraordinary items | $581,000 | 6,471 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $581,000 | 6,474 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 9,540 |
| Cash dividends | $180,000 | 5,601 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $581,000 | 6,417 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,470,000 | 7,438 |
| Total interest expense | $1,707,000 | 7,064 |
| Net interest income | $1,763,000 | 7,639 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $208,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $97,000 | 7,562 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,836 |
| Total noninterest expense | $1,166,000 | 8,089 |
| Salaries and employee benefits | $577,000 | 8,278 |
| Premises and equipment expense | $254,000 | 6,196 |
| Additional noninterest expense | $335,000 | 8,520 |
| Pre-tax net operating income | $805,000 | 6,485 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $248,000 | 6,477 |
| Income before extraordinary items | $557,000 | 6,517 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $557,000 | 6,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-59,000 | 11,093 |
| Cash dividends | $242,000 | 5,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $557,000 | 6,459 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,438,000 | 7,630 |
| Total interest expense | $1,674,000 | 7,208 |
| Net interest income | $1,764,000 | 7,865 |
| Provision for loan and lease losses | $20,000 | 7,637 |
| Total noninterest income | $209,000 | 8,300 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $91,000 | 8,002 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,698 |
| Total noninterest expense | $1,174,000 | 8,297 |
| Salaries and employee benefits | $592,000 | 8,410 |
| Premises and equipment expense | $218,000 | 6,867 |
| Additional noninterest expense | $364,000 | 8,553 |
| Pre-tax net operating income | $779,000 | 6,922 |
| Securities gains (losses) | $-75,000 | 11,374 |
| Applicable income taxes | $204,000 | 7,346 |
| Income before extraordinary items | $500,000 | 7,260 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $500,000 | 7,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,497 |
| Cash dividends | $36,000 | 8,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $553,250 | 6,862 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,096,000 | 7,891 |
| Total interest expense | $1,375,000 | 7,291 |
| Net interest income | $1,721,000 | 8,248 |
| Provision for loan and lease losses | $60,000 | 5,594 |
| Total noninterest income | $140,000 | 9,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $93,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 9,769 |
| Total noninterest expense | $1,219,000 | 8,535 |
| Salaries and employee benefits | $585,000 | 8,721 |
| Premises and equipment expense | $238,000 | 6,721 |
| Additional noninterest expense | $396,000 | 8,866 |
| Pre-tax net operating income | $582,000 | 8,109 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $173,000 | 7,862 |
| Income before extraordinary items | $409,000 | 8,123 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $409,000 | 8,126 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,113 |
| Cash dividends | $90,000 | 7,108 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $409,000 | 8,163 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,214,000 | 7,985 |
| Total interest expense | $1,419,000 | 7,472 |
| Net interest income | $1,795,000 | 8,265 |
| Provision for loan and lease losses | $296,000 | 3,066 |
| Total noninterest income | $125,000 | 10,734 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $95,000 | 8,525 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 11,310 |
| Total noninterest expense | $1,211,000 | 8,844 |
| Salaries and employee benefits | $616,000 | 8,665 |
| Premises and equipment expense | $203,000 | 7,624 |
| Additional noninterest expense | $392,000 | 9,347 |
| Pre-tax net operating income | $413,000 | 9,309 |
| Securities gains (losses) | $-5,000 | 12,580 |
| Applicable income taxes | $124,000 | 9,218 |
| Income before extraordinary items | $277,000 | 9,730 |
| Extraordinary gains, net | $-7,000 | 12,262 |
| Net income | $277,000 | 9,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 3,647 |
| Cash dividends | $106,000 | 6,761 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $280,500 | 9,432 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,643,000 | 7,985 |
| Total interest expense | $1,798,000 | 7,616 |
| Net interest income | $1,845,000 | 8,206 |
| Provision for loan and lease losses | $319,000 | 3,985 |
| Total noninterest income | $136,000 | 10,779 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 8,278 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $28,000 | 11,929 |
| Total noninterest expense | $1,277,000 | 8,735 |
| Salaries and employee benefits | $661,000 | 8,301 |
| Premises and equipment expense | $213,000 | 7,557 |
| Additional noninterest expense | $403,000 | 9,531 |
| Pre-tax net operating income | $385,000 | 9,379 |
| Securities gains (losses) | $3,000 | 7,429 |
| Applicable income taxes | $117,000 | 9,465 |
| Income before extraordinary items | $271,000 | 9,670 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $271,000 | 9,807 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 3,643 |
| Cash dividends | $126,000 | 6,100 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $268,900 | 9,325 |
* 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.