Home > Community Bank > Income and Expense
Community Bank, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $23,687,000 | 1,632 |
| Total interest expense | $7,955,000 | 1,983 |
| Net interest income | $15,732,000 | 1,414 |
| Provision for loan and lease losses | $2,275,000 | 1,661 |
| Total noninterest income | $7,845,000 | 725 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $3,692,000 | 462 |
| Trading account gains and fees | $70,000 | 115 |
| Additional Noninterest Income | $4,083,000 | 760 |
| Total noninterest expense | $12,660,000 | 1,546 |
| Salaries and employee benefits | $5,181,000 | 1,947 |
| Premises and equipment expense | $2,050,000 | 1,337 |
| Additional noninterest expense | $5,429,000 | 1,177 |
| Pre-tax net operating income | $8,642,000 | 641 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $2,629,000 | 522 |
| Income before extraordinary items | $6,013,000 | 673 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,013,000 | 673 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $935,000 | 2,032 |
| Cash dividends | $3,383,000 | 804 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $6,013,000 | 721 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $17,989,000 | 1,652 |
| Total interest expense | $6,227,000 | 1,984 |
| Net interest income | $11,762,000 | 1,440 |
| Provision for loan and lease losses | $500,000 | 2,723 |
| Total noninterest income | $5,617,000 | 791 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,629,000 | 500 |
| Trading account gains and fees | $70,000 | 110 |
| Additional Noninterest Income | $2,918,000 | 837 |
| Total noninterest expense | $9,486,000 | 1,538 |
| Salaries and employee benefits | $3,755,000 | 2,051 |
| Premises and equipment expense | $1,518,000 | 1,368 |
| Additional noninterest expense | $4,213,000 | 1,090 |
| Pre-tax net operating income | $7,393,000 | 677 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $2,343,000 | 571 |
| Income before extraordinary items | $5,050,000 | 720 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $5,050,000 | 718 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,117,000 | 8,380 |
| Cash dividends | $2,434,000 | 863 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $5,050,000 | 761 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $12,000,000 | 1,673 |
| Total interest expense | $4,324,000 | 2,000 |
| Net interest income | $7,676,000 | 1,459 |
| Provision for loan and lease losses | $500,000 | 1,907 |
| Total noninterest income | $3,597,000 | 825 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,653,000 | 515 |
| Trading account gains and fees | $70,000 | 100 |
| Additional Noninterest Income | $1,874,000 | 886 |
| Total noninterest expense | $6,059,000 | 1,608 |
| Salaries and employee benefits | $2,533,000 | 2,044 |
| Premises and equipment expense | $982,000 | 1,411 |
| Additional noninterest expense | $2,544,000 | 1,171 |
| Pre-tax net operating income | $4,714,000 | 746 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,488,000 | 670 |
| Income before extraordinary items | $3,226,000 | 840 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,226,000 | 839 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,136,000 | 8,450 |
| Cash dividends | $1,513,000 | 977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,226,000 | 831 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,057,000 | 1,703 |
| Total interest expense | $2,395,000 | 1,935 |
| Net interest income | $3,662,000 | 1,516 |
| Provision for loan and lease losses | $500,000 | 995 |
| Total noninterest income | $1,826,000 | 811 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $790,000 | 534 |
| Trading account gains and fees | $70,000 | 104 |
| Additional Noninterest Income | $966,000 | 878 |
| Total noninterest expense | $3,038,000 | 1,595 |
| Salaries and employee benefits | $1,271,000 | 2,066 |
| Premises and equipment expense | $487,000 | 1,430 |
| Additional noninterest expense | $1,280,000 | 1,125 |
| Pre-tax net operating income | $1,950,000 | 963 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $594,000 | 876 |
| Income before extraordinary items | $1,356,000 | 1,113 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,356,000 | 1,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,036 |
| Cash dividends | $753,000 | 961 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,356,000 | 1,073 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $23,400,000 | 1,816 |
| Total interest expense | $10,454,000 | 1,894 |
| Net interest income | $12,946,000 | 1,753 |
| Provision for loan and lease losses | $-1,500,000 | 8,519 |
| Total noninterest income | $6,837,000 | 852 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,236,000 | 536 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,601,000 | 888 |
| Total noninterest expense | $12,014,000 | 1,535 |
| Salaries and employee benefits | $5,053,000 | 1,986 |
| Premises and equipment expense | $1,965,000 | 1,346 |
| Additional noninterest expense | $4,996,000 | 1,131 |
| Pre-tax net operating income | $9,269,000 | 913 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $3,008,000 | 818 |
| Income before extraordinary items | $6,261,000 | 1,041 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,261,000 | 1,039 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-372,000 | 8,484 |
| Cash dividends | $2,240,000 | 1,490 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,261,000 | 1,020 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $17,170,000 | 1,852 |
| Total interest expense | $7,600,000 | 1,933 |
| Net interest income | $9,570,000 | 1,776 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $5,136,000 | 846 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,374,000 | 539 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,762,000 | 882 |
| Total noninterest expense | $8,981,000 | 1,517 |
| Salaries and employee benefits | $3,807,000 | 1,978 |
| Premises and equipment expense | $1,472,000 | 1,333 |
| Additional noninterest expense | $3,702,000 | 1,117 |
| Pre-tax net operating income | $5,725,000 | 1,195 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,775,000 | 1,059 |
| Income before extraordinary items | $3,950,000 | 1,302 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,950,000 | 1,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-466,000 | 8,521 |
| Cash dividends | $1,555,000 | 1,457 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $3,950,000 | 1,293 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,211,000 | 1,907 |
| Total interest expense | $4,995,000 | 1,960 |
| Net interest income | $6,216,000 | 1,844 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $3,432,000 | 870 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,560,000 | 560 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,872,000 | 900 |
| Total noninterest expense | $6,012,000 | 1,527 |
| Salaries and employee benefits | $2,587,000 | 1,968 |
| Premises and equipment expense | $970,000 | 1,364 |
| Additional noninterest expense | $2,455,000 | 1,136 |
| Pre-tax net operating income | $3,636,000 | 1,303 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,120,000 | 1,172 |
| Income before extraordinary items | $2,516,000 | 1,405 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,516,000 | 1,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-433,000 | 8,572 |
| Cash dividends | $842,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,516,000 | 1,385 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,534,000 | 1,922 |
| Total interest expense | $2,473,000 | 1,965 |
| Net interest income | $3,061,000 | 1,885 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,704,000 | 853 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $773,000 | 536 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $931,000 | 889 |
| Total noninterest expense | $3,040,000 | 1,507 |
| Salaries and employee benefits | $1,283,000 | 2,003 |
| Premises and equipment expense | $495,000 | 1,356 |
| Additional noninterest expense | $1,262,000 | 1,074 |
| Pre-tax net operating income | $1,725,000 | 1,355 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $525,000 | 1,241 |
| Income before extraordinary items | $1,200,000 | 1,449 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,200,000 | 1,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,927 |
| Cash dividends | $192,000 | 2,508 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,200,000 | 1,437 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $20,084,000 | 1,972 |
| Total interest expense | $8,061,000 | 2,031 |
| Net interest income | $12,023,000 | 1,930 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $6,393,000 | 893 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,107,000 | 551 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,286,000 | 928 |
| Total noninterest expense | $12,720,000 | 1,402 |
| Salaries and employee benefits | $5,414,000 | 1,807 |
| Premises and equipment expense | $2,113,000 | 1,212 |
| Additional noninterest expense | $5,193,000 | 1,022 |
| Pre-tax net operating income | $5,696,000 | 1,691 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,794,000 | 1,448 |
| Income before extraordinary items | $3,902,000 | 1,833 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,902,000 | 1,835 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 2,648 |
| Cash dividends | $962,000 | 2,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,902,000 | 1,808 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $14,633,000 | 2,012 |
| Total interest expense | $5,773,000 | 2,062 |
| Net interest income | $8,860,000 | 1,983 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $4,784,000 | 915 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $2,222,000 | 580 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,562,000 | 928 |
| Total noninterest expense | $9,608,000 | 1,398 |
| Salaries and employee benefits | $4,141,000 | 1,772 |
| Premises and equipment expense | $1,581,000 | 1,229 |
| Additional noninterest expense | $3,886,000 | 1,042 |
| Pre-tax net operating income | $4,036,000 | 1,827 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,256,000 | 1,599 |
| Income before extraordinary items | $2,780,000 | 1,964 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,780,000 | 1,965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 1,826 |
| Cash dividends | $962,000 | 1,988 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,780,000 | 1,946 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $9,295,000 | 2,073 |
| Total interest expense | $3,598,000 | 2,080 |
| Net interest income | $5,697,000 | 2,059 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $3,242,000 | 889 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,451,000 | 583 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,791,000 | 896 |
| Total noninterest expense | $6,452,000 | 1,398 |
| Salaries and employee benefits | $2,814,000 | 1,742 |
| Premises and equipment expense | $1,053,000 | 1,227 |
| Additional noninterest expense | $2,585,000 | 1,042 |
| Pre-tax net operating income | $2,487,000 | 1,960 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $761,000 | 1,735 |
| Income before extraordinary items | $1,726,000 | 2,088 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,726,000 | 2,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,556 |
| Cash dividends | $797,000 | 1,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,726,000 | 2,072 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,533,000 | 2,076 |
| Total interest expense | $1,659,000 | 2,148 |
| Net interest income | $2,874,000 | 2,018 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,572,000 | 896 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $709,000 | 582 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $863,000 | 908 |
| Total noninterest expense | $3,184,000 | 1,425 |
| Salaries and employee benefits | $1,450,000 | 1,703 |
| Premises and equipment expense | $497,000 | 1,308 |
| Additional noninterest expense | $1,237,000 | 1,081 |
| Pre-tax net operating income | $1,262,000 | 1,893 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $395,000 | 1,672 |
| Income before extraordinary items | $867,000 | 2,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $867,000 | 2,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $221,000 | 574 |
| Cash dividends | $376,000 | 1,686 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $867,000 | 2,019 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $16,363,000 | 2,039 |
| Total interest expense | $5,147,000 | 2,143 |
| Net interest income | $11,216,000 | 1,987 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $5,791,000 | 971 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $3,014,000 | 559 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,777,000 | 1,075 |
| Total noninterest expense | $12,347,000 | 1,385 |
| Salaries and employee benefits | $5,586,000 | 1,680 |
| Premises and equipment expense | $1,786,000 | 1,377 |
| Additional noninterest expense | $4,975,000 | 1,042 |
| Pre-tax net operating income | $4,660,000 | 1,971 |
| Securities gains (losses) | $7,000 | 1,594 |
| Applicable income taxes | $1,417,000 | 1,776 |
| Income before extraordinary items | $3,250,000 | 2,105 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,250,000 | 2,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,298,000 | 351 |
| Cash dividends | $4,656,000 | 706 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,245,100 | 2,081 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,004,000 | 2,031 |
| Total interest expense | $3,610,000 | 2,162 |
| Net interest income | $8,394,000 | 1,971 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $4,241,000 | 997 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,238,000 | 563 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,003,000 | 1,117 |
| Total noninterest expense | $9,048,000 | 1,408 |
| Salaries and employee benefits | $4,098,000 | 1,683 |
| Premises and equipment expense | $1,286,000 | 1,413 |
| Additional noninterest expense | $3,664,000 | 1,042 |
| Pre-tax net operating income | $3,587,000 | 1,953 |
| Securities gains (losses) | $7,000 | 1,597 |
| Applicable income taxes | $1,096,000 | 1,764 |
| Income before extraordinary items | $2,498,000 | 2,065 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,498,000 | 2,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,543,000 | 261 |
| Cash dividends | $4,274,000 | 545 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,493,100 | 2,036 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,857,000 | 2,008 |
| Total interest expense | $2,241,000 | 2,194 |
| Net interest income | $5,616,000 | 1,925 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $2,785,000 | 988 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,460,000 | 564 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,325,000 | 1,093 |
| Total noninterest expense | $5,925,000 | 1,430 |
| Salaries and employee benefits | $2,789,000 | 1,649 |
| Premises and equipment expense | $823,000 | 1,460 |
| Additional noninterest expense | $2,313,000 | 1,087 |
| Pre-tax net operating income | $2,476,000 | 1,862 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $741,000 | 1,718 |
| Income before extraordinary items | $1,742,000 | 1,954 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,742,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $505,000 | 592 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,737,100 | 1,924 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,793,000 | 2,041 |
| Total interest expense | $1,066,000 | 2,201 |
| Net interest income | $2,727,000 | 1,972 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,404,000 | 955 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $661,000 | 606 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $743,000 | 1,002 |
| Total noninterest expense | $2,947,000 | 1,438 |
| Salaries and employee benefits | $1,438,000 | 1,603 |
| Premises and equipment expense | $405,000 | 1,494 |
| Additional noninterest expense | $1,104,000 | 1,119 |
| Pre-tax net operating income | $1,184,000 | 1,906 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $351,000 | 1,768 |
| Income before extraordinary items | $833,000 | 2,017 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $833,000 | 2,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $122,000 | 984 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $833,000 | 1,980 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $15,457,000 | 1,849 |
| Total interest expense | $3,620,000 | 2,231 |
| Net interest income | $11,837,000 | 1,709 |
| Provision for loan and lease losses | $600,000 | 1,645 |
| Total noninterest income | $6,706,000 | 831 |
| Gross Fiduciary activities income | $158,000 | 845 |
| Service charges on deposit accounts | $3,358,000 | 521 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,190,000 | 938 |
| Total noninterest expense | $13,460,000 | 1,214 |
| Salaries and employee benefits | $6,530,000 | 1,352 |
| Premises and equipment expense | $2,052,000 | 1,120 |
| Additional noninterest expense | $4,878,000 | 1,027 |
| Pre-tax net operating income | $4,483,000 | 1,862 |
| Securities gains (losses) | $-93,000 | 8,712 |
| Applicable income taxes | $1,277,000 | 1,823 |
| Income before extraordinary items | $3,113,000 | 2,013 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,113,000 | 2,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-843,000 | 8,961 |
| Cash dividends | $5,100,000 | 606 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,179,030 | 1,919 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,549,000 | 1,841 |
| Total interest expense | $2,601,000 | 2,264 |
| Net interest income | $8,948,000 | 1,685 |
| Provision for loan and lease losses | $450,000 | 1,575 |
| Total noninterest income | $5,142,000 | 827 |
| Gross Fiduciary activities income | $84,000 | 917 |
| Service charges on deposit accounts | $2,536,000 | 522 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,522,000 | 913 |
| Total noninterest expense | $10,082,000 | 1,212 |
| Salaries and employee benefits | $4,953,000 | 1,327 |
| Premises and equipment expense | $1,533,000 | 1,120 |
| Additional noninterest expense | $3,596,000 | 1,032 |
| Pre-tax net operating income | $3,558,000 | 1,782 |
| Securities gains (losses) | $-10,000 | 8,513 |
| Applicable income taxes | $1,017,000 | 1,749 |
| Income before extraordinary items | $2,531,000 | 1,879 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,531,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-458,000 | 8,977 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,538,100 | 1,833 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,714,000 | 1,820 |
| Total interest expense | $1,667,000 | 2,327 |
| Net interest income | $6,047,000 | 1,659 |
| Provision for loan and lease losses | $300,000 | 1,523 |
| Total noninterest income | $3,398,000 | 828 |
| Gross Fiduciary activities income | $67,000 | 880 |
| Service charges on deposit accounts | $1,673,000 | 528 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,658,000 | 920 |
| Total noninterest expense | $6,860,000 | 1,174 |
| Salaries and employee benefits | $3,444,000 | 1,271 |
| Premises and equipment expense | $1,072,000 | 1,089 |
| Additional noninterest expense | $2,344,000 | 1,051 |
| Pre-tax net operating income | $2,285,000 | 1,832 |
| Securities gains (losses) | $-10,000 | 8,693 |
| Applicable income taxes | $680,000 | 1,746 |
| Income before extraordinary items | $1,595,000 | 1,962 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,595,000 | 1,963 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-397,000 | 9,037 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,602,000 | 1,902 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,740,000 | 1,881 |
| Total interest expense | $828,000 | 2,364 |
| Net interest income | $2,912,000 | 1,713 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,683,000 | 819 |
| Gross Fiduciary activities income | $37,000 | 871 |
| Service charges on deposit accounts | $835,000 | 516 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $811,000 | 916 |
| Total noninterest expense | $3,552,000 | 1,142 |
| Salaries and employee benefits | $1,800,000 | 1,223 |
| Premises and equipment expense | $544,000 | 1,090 |
| Additional noninterest expense | $1,208,000 | 1,017 |
| Pre-tax net operating income | $893,000 | 2,214 |
| Securities gains (losses) | $-10,000 | 8,916 |
| Applicable income taxes | $262,000 | 2,118 |
| Income before extraordinary items | $621,000 | 2,419 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $621,000 | 2,420 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-368,000 | 9,086 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $628,000 | 2,305 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 8,188 |
| Total interest expense | $331,000 | 8,357 |
| Net interest income | $1,055,000 | 8,028 |
| Provision for loan and lease losses | $50,000 | 6,256 |
| Total noninterest income | $597,000 | 4,984 |
| Gross Fiduciary activities income | $14,000 | 1,304 |
| Service charges on deposit accounts | $323,000 | 4,126 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $260,000 | 4,777 |
| Total noninterest expense | $1,217,000 | 7,444 |
| Salaries and employee benefits | $570,000 | 7,825 |
| Premises and equipment expense | $215,000 | 6,608 |
| Additional noninterest expense | $432,000 | 6,945 |
| Pre-tax net operating income | $385,000 | 7,105 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $109,000 | 5,632 |
| Income before extraordinary items | $276,000 | 7,397 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $276,000 | 7,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,843 |
| Cash dividends | $461,000 | 3,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $276,000 | 7,253 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $12,291,000 | 1,765 |
| Total interest expense | $3,613,000 | 1,934 |
| Net interest income | $8,678,000 | 1,690 |
| Provision for loan and lease losses | $525,000 | 1,587 |
| Total noninterest income | $5,292,000 | 885 |
| Gross Fiduciary activities income | $107,000 | 890 |
| Service charges on deposit accounts | $2,548,000 | 512 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,637,000 | 1,011 |
| Total noninterest expense | $9,917,000 | 1,228 |
| Salaries and employee benefits | $5,450,000 | 1,179 |
| Premises and equipment expense | $1,740,000 | 991 |
| Additional noninterest expense | $2,727,000 | 1,360 |
| Pre-tax net operating income | $3,528,000 | 1,773 |
| Securities gains (losses) | $290,000 | 983 |
| Applicable income taxes | $902,000 | 2,015 |
| Income before extraordinary items | $2,916,000 | 1,652 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,916,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $882,000 | 752 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,695,600 | 1,700 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $8,329,000 | 1,757 |
| Total interest expense | $2,520,000 | 1,906 |
| Net interest income | $5,809,000 | 1,675 |
| Provision for loan and lease losses | $375,000 | 1,474 |
| Total noninterest income | $3,441,000 | 898 |
| Gross Fiduciary activities income | $72,000 | 898 |
| Service charges on deposit accounts | $1,690,000 | 510 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,679,000 | 1,034 |
| Total noninterest expense | $6,719,000 | 1,210 |
| Salaries and employee benefits | $3,720,000 | 1,150 |
| Premises and equipment expense | $1,126,000 | 1,026 |
| Additional noninterest expense | $1,873,000 | 1,313 |
| Pre-tax net operating income | $2,156,000 | 1,917 |
| Securities gains (losses) | $236,000 | 944 |
| Applicable income taxes | $537,000 | 2,225 |
| Income before extraordinary items | $1,855,000 | 1,744 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,855,000 | 1,744 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $710,000 | 658 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,670,920 | 1,802 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $4,316,000 | 1,715 |
| Total interest expense | $1,293,000 | 1,904 |
| Net interest income | $3,023,000 | 1,621 |
| Provision for loan and lease losses | $225,000 | 1,208 |
| Total noninterest income | $1,631,000 | 914 |
| Gross Fiduciary activities income | $35,000 | 910 |
| Service charges on deposit accounts | $829,000 | 507 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $767,000 | 1,081 |
| Total noninterest expense | $3,252,000 | 1,239 |
| Salaries and employee benefits | $1,887,000 | 1,120 |
| Premises and equipment expense | $557,000 | 1,032 |
| Additional noninterest expense | $808,000 | 1,472 |
| Pre-tax net operating income | $1,177,000 | 1,774 |
| Securities gains (losses) | $143,000 | 818 |
| Applicable income taxes | $304,000 | 2,033 |
| Income before extraordinary items | $1,016,000 | 1,584 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,016,000 | 1,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 1,417 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $905,890 | 1,644 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $19,828,000 | 1,555 |
| Total interest expense | $6,161,000 | 1,851 |
| Net interest income | $13,667,000 | 1,429 |
| Provision for loan and lease losses | $2,795,000 | 576 |
| Total noninterest income | $4,706,000 | 1,110 |
| Gross Fiduciary activities income | $124,000 | 945 |
| Service charges on deposit accounts | $3,478,000 | 469 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,104,000 | 2,044 |
| Total noninterest expense | $14,280,000 | 1,085 |
| Salaries and employee benefits | $7,170,000 | 1,110 |
| Premises and equipment expense | $2,635,000 | 828 |
| Additional noninterest expense | $4,466,000 | 1,110 |
| Pre-tax net operating income | $1,298,000 | 4,490 |
| Securities gains (losses) | $33,000 | 2,759 |
| Applicable income taxes | $-254,000 | 9,163 |
| Income before extraordinary items | $1,585,000 | 3,358 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,585,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,459,000 | 406 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,552,000 | 3,296 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $24,139,000 | 1,408 |
| Total interest expense | $10,722,000 | 1,522 |
| Net interest income | $13,417,000 | 1,319 |
| Provision for loan and lease losses | $6,554,000 | 299 |
| Total noninterest income | $2,895,000 | 1,521 |
| Gross Fiduciary activities income | $126,000 | 943 |
| Service charges on deposit accounts | $2,265,000 | 650 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $504,000 | 3,119 |
| Total noninterest expense | $10,971,000 | 1,328 |
| Salaries and employee benefits | $5,755,000 | 1,290 |
| Premises and equipment expense | $2,225,000 | 941 |
| Additional noninterest expense | $2,990,000 | 1,557 |
| Pre-tax net operating income | $-1,213,000 | 9,410 |
| Securities gains (losses) | $228,000 | 1,090 |
| Applicable income taxes | $-809,000 | 9,536 |
| Income before extraordinary items | $-176,000 | 9,028 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-176,000 | 9,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,827,000 | 445 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-321,920 | 9,086 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $22,502,000 | 1,531 |
| Total interest expense | $10,702,000 | 1,594 |
| Net interest income | $11,800,000 | 1,489 |
| Provision for loan and lease losses | $770,000 | 1,307 |
| Total noninterest income | $2,573,000 | 1,549 |
| Gross Fiduciary activities income | $94,000 | 953 |
| Service charges on deposit accounts | $2,113,000 | 634 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $366,000 | 3,548 |
| Total noninterest expense | $9,666,000 | 1,440 |
| Salaries and employee benefits | $4,804,000 | 1,476 |
| Premises and equipment expense | $1,889,000 | 1,060 |
| Additional noninterest expense | $2,973,000 | 1,508 |
| Pre-tax net operating income | $3,937,000 | 1,859 |
| Securities gains (losses) | $-20,000 | 8,739 |
| Applicable income taxes | $1,064,000 | 2,015 |
| Income before extraordinary items | $2,853,000 | 1,825 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,853,000 | 1,825 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $431,000 | 1,392 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,867,600 | 1,819 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $18,664,000 | 1,738 |
| Total interest expense | $7,748,000 | 1,932 |
| Net interest income | $10,916,000 | 1,589 |
| Provision for loan and lease losses | $920,000 | 1,044 |
| Total noninterest income | $2,275,000 | 1,694 |
| Gross Fiduciary activities income | $69,000 | 1,052 |
| Service charges on deposit accounts | $1,978,000 | 664 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $228,000 | 4,641 |
| Total noninterest expense | $8,234,000 | 1,671 |
| Salaries and employee benefits | $4,022,000 | 1,716 |
| Premises and equipment expense | $1,460,000 | 1,383 |
| Additional noninterest expense | $2,752,000 | 1,618 |
| Pre-tax net operating income | $4,037,000 | 1,827 |
| Securities gains (losses) | $-272,000 | 10,070 |
| Applicable income taxes | $1,049,000 | 2,142 |
| Income before extraordinary items | $2,716,000 | 1,958 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,716,000 | 1,960 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $573,000 | 1,098 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,911,840 | 1,797 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $15,925,000 | 2,042 |
| Total interest expense | $6,994,000 | 2,170 |
| Net interest income | $8,931,000 | 1,917 |
| Provision for loan and lease losses | $1,097,000 | 895 |
| Total noninterest income | $1,859,000 | 1,943 |
| Gross Fiduciary activities income | $58,000 | 1,091 |
| Service charges on deposit accounts | $1,488,000 | 827 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $313,000 | 3,928 |
| Total noninterest expense | $6,506,000 | 2,012 |
| Salaries and employee benefits | $3,420,000 | 1,946 |
| Premises and equipment expense | $1,101,000 | 1,792 |
| Additional noninterest expense | $1,985,000 | 2,124 |
| Pre-tax net operating income | $3,187,000 | 2,242 |
| Securities gains (losses) | $25,000 | 2,265 |
| Applicable income taxes | $937,000 | 2,427 |
| Income before extraordinary items | $2,275,000 | 2,285 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,275,000 | 2,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $699,000 | 974 |
| Cash dividends | $450,000 | 3,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,257,250 | 2,218 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,466,000 | 2,431 |
| Total interest expense | $5,923,000 | 2,517 |
| Net interest income | $7,543,000 | 2,327 |
| Provision for loan and lease losses | $1,059,000 | 950 |
| Total noninterest income | $1,506,000 | 2,190 |
| Gross Fiduciary activities income | $44,000 | 1,190 |
| Service charges on deposit accounts | $1,229,000 | 1,020 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $233,000 | 4,566 |
| Total noninterest expense | $5,143,000 | 2,500 |
| Salaries and employee benefits | $2,530,000 | 2,610 |
| Premises and equipment expense | $880,000 | 2,235 |
| Additional noninterest expense | $1,733,000 | 2,388 |
| Pre-tax net operating income | $2,847,000 | 2,604 |
| Securities gains (losses) | $-25,000 | 10,445 |
| Applicable income taxes | $820,000 | 2,871 |
| Income before extraordinary items | $2,002,000 | 2,589 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,002,000 | 2,588 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $515,000 | 1,301 |
| Cash dividends | $500,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,019,750 | 2,510 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,706,000 | 2,822 |
| Total interest expense | $5,497,000 | 2,767 |
| Net interest income | $6,209,000 | 2,862 |
| Provision for loan and lease losses | $738,000 | 1,274 |
| Total noninterest income | $1,152,000 | 2,773 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $1,017,000 | 1,320 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $135,000 | 6,273 |
| Total noninterest expense | $4,130,000 | 3,256 |
| Salaries and employee benefits | $2,174,000 | 3,073 |
| Premises and equipment expense | $630,000 | 3,055 |
| Additional noninterest expense | $1,326,000 | 3,462 |
| Pre-tax net operating income | $2,493,000 | 2,775 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $740,000 | 3,054 |
| Income before extraordinary items | $1,751,000 | 2,777 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,751,000 | 2,779 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,662 |
| Cash dividends | $800,000 | 2,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,752,400 | 2,730 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $9,782,000 | 3,352 |
| Total interest expense | $5,187,000 | 2,937 |
| Net interest income | $4,595,000 | 3,829 |
| Provision for loan and lease losses | $245,000 | 2,607 |
| Total noninterest income | $1,089,000 | 2,920 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $907,000 | 1,508 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $182,000 | 5,396 |
| Total noninterest expense | $4,006,000 | 3,317 |
| Salaries and employee benefits | $2,263,000 | 2,943 |
| Premises and equipment expense | $577,000 | 3,312 |
| Additional noninterest expense | $1,166,000 | 3,837 |
| Pre-tax net operating income | $1,433,000 | 4,619 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $340,000 | 5,560 |
| Income before extraordinary items | $1,102,000 | 4,241 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,102,000 | 4,238 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 3,020 |
| Cash dividends | $237,000 | 5,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,095,160 | 4,256 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $8,425,000 | 3,559 |
| Total interest expense | $3,028,000 | 3,930 |
| Net interest income | $5,397,000 | 3,322 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $577,000 | 4,790 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $472,000 | 2,924 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $105,000 | 7,360 |
| Total noninterest expense | $4,122,000 | 3,327 |
| Salaries and employee benefits | $2,308,000 | 2,866 |
| Premises and equipment expense | $607,000 | 3,239 |
| Additional noninterest expense | $1,207,000 | 4,035 |
| Pre-tax net operating income | $1,732,000 | 3,892 |
| Securities gains (losses) | $-58,000 | 11,156 |
| Applicable income taxes | $423,000 | 4,568 |
| Income before extraordinary items | $1,251,000 | 3,711 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,251,000 | 3,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $120,000 | 3,390 |
| Cash dividends | $500,000 | 3,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,294,500 | 3,641 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,878,000 | 3,458 |
| Total interest expense | $3,505,000 | 3,583 |
| Net interest income | $5,373,000 | 3,342 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $550,000 | 5,250 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $450,000 | 3,078 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $100,000 | 7,857 |
| Total noninterest expense | $3,723,000 | 3,720 |
| Salaries and employee benefits | $2,116,000 | 3,099 |
| Premises and equipment expense | $589,000 | 3,390 |
| Additional noninterest expense | $1,018,000 | 4,853 |
| Pre-tax net operating income | $2,130,000 | 3,115 |
| Securities gains (losses) | $70,000 | 2,977 |
| Applicable income taxes | $637,000 | 3,411 |
| Income before extraordinary items | $1,563,000 | 3,117 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,563,000 | 3,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $750,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,513,300 | 3,046 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,283,000 | 4,169 |
| Total interest expense | $3,306,000 | 4,773 |
| Net interest income | $4,977,000 | 3,650 |
| Provision for loan and lease losses | $148,000 | 6,150 |
| Total noninterest income | $696,000 | 4,431 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $561,000 | 2,461 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 7,019 |
| Total noninterest expense | $3,476,000 | 3,953 |
| Salaries and employee benefits | $2,046,000 | 3,158 |
| Premises and equipment expense | $530,000 | 3,778 |
| Additional noninterest expense | $900,000 | 5,526 |
| Pre-tax net operating income | $2,049,000 | 3,035 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $585,000 | 3,501 |
| Income before extraordinary items | $1,464,000 | 3,152 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,464,000 | 3,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 9,428 |
| Cash dividends | $600,000 | 2,382 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,464,000 | 2,915 |
* 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.