Home > Community Bank of the Red River Valley > Income and Expense
Community Bank of the Red River Valley, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,330,000 | 2,462 |
| Total interest expense | $2,410,000 | 3,374 |
| Net interest income | $7,920,000 | 2,076 |
| Provision for loan and lease losses | $430,000 | 4,065 |
| Total noninterest income | $2,106,000 | 1,716 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $969,000 | 1,331 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,137,000 | 1,666 |
| Total noninterest expense | $6,514,000 | 2,282 |
| Salaries and employee benefits | $3,251,000 | 2,295 |
| Premises and equipment expense | $792,000 | 2,496 |
| Additional noninterest expense | $2,471,000 | 2,132 |
| Pre-tax net operating income | $3,082,000 | 1,061 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $20,000 | 3,792 |
| Income before extraordinary items | $3,062,000 | 882 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $3,062,000 | 883 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $3,062,000 | 883 |
| Net charge-offs | $235,000 | 4,054 |
| Cash dividends | $3,508,000 | 354 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,062,000 | 873 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,981,000 | 2,464 |
| Total interest expense | $1,669,000 | 3,394 |
| Net interest income | $5,312,000 | 2,065 |
| Provision for loan and lease losses | $160,000 | 4,648 |
| Total noninterest income | $1,369,000 | 1,755 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $638,000 | 1,325 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $731,000 | 1,762 |
| Total noninterest expense | $4,297,000 | 2,327 |
| Salaries and employee benefits | $2,194,000 | 2,304 |
| Premises and equipment expense | $544,000 | 2,470 |
| Additional noninterest expense | $1,559,000 | 2,260 |
| Pre-tax net operating income | $2,224,000 | 1,017 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $20,000 | 3,701 |
| Income before extraordinary items | $2,204,000 | 858 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,204,000 | 858 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $2,204,000 | 858 |
| Net charge-offs | $50,000 | 4,916 |
| Cash dividends | $3,176,000 | 271 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $2,204,000 | 828 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,497,000 | 2,478 |
| Total interest expense | $856,000 | 3,441 |
| Net interest income | $2,641,000 | 2,069 |
| Provision for loan and lease losses | $30,000 | 5,394 |
| Total noninterest income | $640,000 | 1,806 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $308,000 | 1,340 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $332,000 | 1,822 |
| Total noninterest expense | $2,095,000 | 2,324 |
| Salaries and employee benefits | $1,131,000 | 2,250 |
| Premises and equipment expense | $290,000 | 2,363 |
| Additional noninterest expense | $674,000 | 2,300 |
| Pre-tax net operating income | $1,156,000 | 1,100 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $20,000 | 3,565 |
| Income before extraordinary items | $1,136,000 | 938 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,136,000 | 939 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $1,136,000 | 940 |
| Net charge-offs | $7,000 | 4,941 |
| Cash dividends | $2,846,000 | 157 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,136,000 | 879 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $15,577,000 | 2,386 |
| Total interest expense | $4,426,000 | 3,260 |
| Net interest income | $11,151,000 | 1,992 |
| Provision for loan and lease losses | $430,000 | 4,029 |
| Total noninterest income | $2,903,000 | 1,616 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,334,000 | 1,350 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,569,000 | 1,543 |
| Total noninterest expense | $7,932,000 | 2,394 |
| Salaries and employee benefits | $4,415,000 | 2,298 |
| Premises and equipment expense | $1,097,000 | 2,418 |
| Additional noninterest expense | $2,420,000 | 2,416 |
| Pre-tax net operating income | $5,692,000 | 985 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $26,000 | 4,165 |
| Income before extraordinary items | $5,667,000 | 713 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,667,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 5,088 |
| Cash dividends | $6,300,000 | 453 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $5,666,000 | 768 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,881,000 | 2,401 |
| Total interest expense | $3,499,000 | 3,243 |
| Net interest income | $8,382,000 | 2,010 |
| Provision for loan and lease losses | $130,000 | 4,814 |
| Total noninterest income | $2,079,000 | 1,724 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $1,001,000 | 1,358 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,078,000 | 1,715 |
| Total noninterest expense | $5,937,000 | 2,389 |
| Salaries and employee benefits | $3,299,000 | 2,330 |
| Premises and equipment expense | $831,000 | 2,407 |
| Additional noninterest expense | $1,807,000 | 2,358 |
| Pre-tax net operating income | $4,394,000 | 1,156 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $120,000 | 3,444 |
| Income before extraordinary items | $4,275,000 | 856 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $4,275,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,831 |
| Cash dividends | $6,110,000 | 371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $4,274,030 | 911 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,071,000 | 2,402 |
| Total interest expense | $2,489,000 | 3,200 |
| Net interest income | $5,582,000 | 1,996 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $1,337,000 | 1,792 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $664,000 | 1,342 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $673,000 | 1,846 |
| Total noninterest expense | $3,977,000 | 2,387 |
| Salaries and employee benefits | $2,196,000 | 2,355 |
| Premises and equipment expense | $570,000 | 2,364 |
| Additional noninterest expense | $1,211,000 | 2,321 |
| Pre-tax net operating income | $2,942,000 | 1,209 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $90,000 | 3,560 |
| Income before extraordinary items | $2,853,000 | 961 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,853,000 | 961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,949 |
| Cash dividends | $5,663,000 | 305 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,852,030 | 943 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,272,000 | 2,358 |
| Total interest expense | $1,372,000 | 3,115 |
| Net interest income | $2,900,000 | 1,923 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $654,000 | 1,834 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $320,000 | 1,366 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $334,000 | 1,841 |
| Total noninterest expense | $2,019,000 | 2,344 |
| Salaries and employee benefits | $1,103,000 | 2,371 |
| Premises and equipment expense | $310,000 | 2,195 |
| Additional noninterest expense | $606,000 | 2,289 |
| Pre-tax net operating income | $1,535,000 | 1,229 |
| Securities gains (losses) | $1,000 | 2,556 |
| Applicable income taxes | $45,000 | 3,671 |
| Income before extraordinary items | $1,491,000 | 1,013 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,491,000 | 1,016 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,732 |
| Cash dividends | $5,208,000 | 175 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,490,030 | 967 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,173,000 | 2,262 |
| Total interest expense | $6,437,000 | 2,835 |
| Net interest income | $11,736,000 | 1,934 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $2,617,000 | 1,813 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,370,000 | 1,298 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,247,000 | 1,913 |
| Total noninterest expense | $8,195,000 | 2,231 |
| Salaries and employee benefits | $4,487,000 | 2,244 |
| Premises and equipment expense | $1,156,000 | 2,241 |
| Additional noninterest expense | $2,552,000 | 2,143 |
| Pre-tax net operating income | $6,158,000 | 1,363 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $180,000 | 3,956 |
| Income before extraordinary items | $5,978,000 | 1,086 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,978,000 | 1,084 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 6,321 |
| Cash dividends | $5,126,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $5,978,000 | 1,068 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,664,000 | 2,268 |
| Total interest expense | $4,868,000 | 2,808 |
| Net interest income | $8,796,000 | 1,950 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,922,000 | 1,846 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $1,011,000 | 1,296 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $911,000 | 1,955 |
| Total noninterest expense | $6,069,000 | 2,243 |
| Salaries and employee benefits | $3,333,000 | 2,259 |
| Premises and equipment expense | $890,000 | 2,166 |
| Additional noninterest expense | $1,846,000 | 2,162 |
| Pre-tax net operating income | $4,649,000 | 1,457 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $135,000 | 4,151 |
| Income before extraordinary items | $4,514,000 | 1,153 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,514,000 | 1,150 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 4,724 |
| Cash dividends | $4,749,000 | 602 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $4,514,000 | 1,136 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,016,000 | 2,309 |
| Total interest expense | $3,226,000 | 2,813 |
| Net interest income | $5,790,000 | 2,013 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,218,000 | 1,940 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $659,000 | 1,339 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $559,000 | 2,092 |
| Total noninterest expense | $4,025,000 | 2,264 |
| Salaries and employee benefits | $2,187,000 | 2,330 |
| Premises and equipment expense | $570,000 | 2,264 |
| Additional noninterest expense | $1,268,000 | 2,116 |
| Pre-tax net operating income | $2,983,000 | 1,553 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $90,000 | 4,229 |
| Income before extraordinary items | $2,893,000 | 1,237 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,893,000 | 1,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,902 |
| Cash dividends | $4,374,000 | 469 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,893,000 | 1,216 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,459,000 | 2,330 |
| Total interest expense | $1,584,000 | 2,852 |
| Net interest income | $2,875,000 | 2,028 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $588,000 | 1,985 |
| Gross Fiduciary activities income | $5,000 | 1,109 |
| Service charges on deposit accounts | $319,000 | 1,346 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $264,000 | 2,139 |
| Total noninterest expense | $2,044,000 | 2,254 |
| Salaries and employee benefits | $1,080,000 | 2,377 |
| Premises and equipment expense | $296,000 | 2,208 |
| Additional noninterest expense | $668,000 | 1,980 |
| Pre-tax net operating income | $1,419,000 | 1,622 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $45,000 | 4,231 |
| Income before extraordinary items | $1,374,000 | 1,275 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,374,000 | 1,275 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $4,000,000 | 272 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,374,000 | 1,257 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,129,000 | 2,276 |
| Total interest expense | $5,384,000 | 2,843 |
| Net interest income | $11,745,000 | 1,976 |
| Provision for loan and lease losses | $10,000 | 6,573 |
| Total noninterest income | $2,567,000 | 1,846 |
| Gross Fiduciary activities income | $26,000 | 1,138 |
| Service charges on deposit accounts | $1,468,000 | 1,206 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,073,000 | 2,115 |
| Total noninterest expense | $8,130,000 | 2,175 |
| Salaries and employee benefits | $4,382,000 | 2,232 |
| Premises and equipment expense | $1,103,000 | 2,254 |
| Additional noninterest expense | $2,645,000 | 2,005 |
| Pre-tax net operating income | $6,172,000 | 1,563 |
| Securities gains (losses) | $20,000 | 909 |
| Applicable income taxes | $139,000 | 4,690 |
| Income before extraordinary items | $6,053,000 | 1,221 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $6,053,000 | 1,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,730 |
| Cash dividends | $7,294,000 | 515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $6,033,400 | 1,210 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,602,000 | 2,305 |
| Total interest expense | $3,829,000 | 2,892 |
| Net interest income | $8,773,000 | 2,005 |
| Provision for loan and lease losses | $10,000 | 6,330 |
| Total noninterest income | $1,923,000 | 1,858 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $1,110,000 | 1,207 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $813,000 | 2,105 |
| Total noninterest expense | $6,069,000 | 2,178 |
| Salaries and employee benefits | $3,276,000 | 2,240 |
| Premises and equipment expense | $815,000 | 2,284 |
| Additional noninterest expense | $1,978,000 | 1,970 |
| Pre-tax net operating income | $4,617,000 | 1,608 |
| Securities gains (losses) | $20,000 | 742 |
| Applicable income taxes | $134,000 | 4,607 |
| Income before extraordinary items | $4,503,000 | 1,255 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $4,503,000 | 1,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $6,833,000 | 401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $4,483,600 | 1,247 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,198,000 | 2,322 |
| Total interest expense | $2,421,000 | 2,893 |
| Net interest income | $5,777,000 | 2,027 |
| Provision for loan and lease losses | $10,000 | 5,986 |
| Total noninterest income | $1,247,000 | 1,895 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $714,000 | 1,243 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $533,000 | 2,133 |
| Total noninterest expense | $4,023,000 | 2,197 |
| Salaries and employee benefits | $2,146,000 | 2,281 |
| Premises and equipment expense | $562,000 | 2,214 |
| Additional noninterest expense | $1,315,000 | 1,998 |
| Pre-tax net operating income | $2,991,000 | 1,653 |
| Securities gains (losses) | $20,000 | 602 |
| Applicable income taxes | $73,000 | 4,872 |
| Income before extraordinary items | $2,938,000 | 1,273 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,938,000 | 1,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,807 |
| Cash dividends | $6,273,000 | 307 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,918,400 | 1,270 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,007,000 | 2,324 |
| Total interest expense | $1,137,000 | 2,926 |
| Net interest income | $2,870,000 | 2,021 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $634,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $333,000 | 1,288 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $301,000 | 1,930 |
| Total noninterest expense | $2,024,000 | 2,186 |
| Salaries and employee benefits | $1,065,000 | 2,309 |
| Premises and equipment expense | $306,000 | 2,058 |
| Additional noninterest expense | $653,000 | 1,993 |
| Pre-tax net operating income | $1,480,000 | 1,642 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $35,000 | 4,870 |
| Income before extraordinary items | $1,445,000 | 1,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,445,000 | 1,276 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,331 |
| Cash dividends | $5,308,000 | 191 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,445,000 | 1,259 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,761,000 | 2,245 |
| Total interest expense | $3,399,000 | 3,015 |
| Net interest income | $11,362,000 | 1,959 |
| Provision for loan and lease losses | $128,000 | 4,363 |
| Total noninterest income | $2,454,000 | 1,899 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,419,000 | 1,245 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,035,000 | 2,161 |
| Total noninterest expense | $8,151,000 | 2,051 |
| Salaries and employee benefits | $4,363,000 | 2,111 |
| Premises and equipment expense | $1,107,000 | 2,170 |
| Additional noninterest expense | $2,681,000 | 1,889 |
| Pre-tax net operating income | $5,537,000 | 1,685 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $235,000 | 4,447 |
| Income before extraordinary items | $5,308,000 | 1,348 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $5,308,000 | 1,350 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,376 |
| Cash dividends | $3,930,000 | 829 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $5,302,240 | 1,334 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,811,000 | 2,243 |
| Total interest expense | $2,378,000 | 3,047 |
| Net interest income | $8,433,000 | 1,959 |
| Provision for loan and lease losses | $53,000 | 5,130 |
| Total noninterest income | $1,833,000 | 1,908 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,049,000 | 1,250 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $784,000 | 2,157 |
| Total noninterest expense | $6,064,000 | 2,049 |
| Salaries and employee benefits | $3,244,000 | 2,109 |
| Premises and equipment expense | $837,000 | 2,135 |
| Additional noninterest expense | $1,983,000 | 1,884 |
| Pre-tax net operating income | $4,149,000 | 1,708 |
| Securities gains (losses) | $6,000 | 1,641 |
| Applicable income taxes | $194,000 | 4,461 |
| Income before extraordinary items | $3,961,000 | 1,361 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,961,000 | 1,362 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,052 |
| Cash dividends | $3,930,000 | 587 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,955,300 | 1,339 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,028,000 | 2,592 |
| Total interest expense | $1,280,000 | 3,475 |
| Net interest income | $4,748,000 | 2,288 |
| Provision for loan and lease losses | $18,000 | 5,733 |
| Total noninterest income | $1,066,000 | 2,078 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $589,000 | 1,435 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $477,000 | 2,260 |
| Total noninterest expense | $3,537,000 | 2,328 |
| Salaries and employee benefits | $1,868,000 | 2,383 |
| Premises and equipment expense | $520,000 | 2,259 |
| Additional noninterest expense | $1,149,000 | 2,140 |
| Pre-tax net operating income | $2,259,000 | 1,985 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $63,000 | 5,307 |
| Income before extraordinary items | $2,196,000 | 1,573 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,196,000 | 1,573 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,182 |
| Cash dividends | $3,367,000 | 470 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,196,000 | 1,550 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,971,000 | 2,588 |
| Total interest expense | $586,000 | 3,571 |
| Net interest income | $2,385,000 | 2,255 |
| Provision for loan and lease losses | $8,000 | 5,590 |
| Total noninterest income | $524,000 | 2,073 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $277,000 | 1,467 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $247,000 | 2,171 |
| Total noninterest expense | $1,757,000 | 2,350 |
| Salaries and employee benefits | $919,000 | 2,449 |
| Premises and equipment expense | $277,000 | 2,154 |
| Additional noninterest expense | $561,000 | 2,178 |
| Pre-tax net operating income | $1,144,000 | 1,946 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $22,000 | 5,594 |
| Income before extraordinary items | $1,122,000 | 1,510 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,122,000 | 1,511 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,332 |
| Cash dividends | $3,367,000 | 238 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,122,000 | 1,485 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,769,000 | 2,443 |
| Total interest expense | $2,120,000 | 3,475 |
| Net interest income | $9,649,000 | 2,110 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $2,335,000 | 1,964 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,346,000 | 1,322 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $989,000 | 2,168 |
| Total noninterest expense | $6,767,000 | 2,366 |
| Salaries and employee benefits | $3,580,000 | 2,438 |
| Premises and equipment expense | $961,000 | 2,376 |
| Additional noninterest expense | $2,226,000 | 2,190 |
| Pre-tax net operating income | $5,187,000 | 1,643 |
| Securities gains (losses) | $49,000 | 1,761 |
| Applicable income taxes | $1,869,000 | 1,351 |
| Income before extraordinary items | $3,367,000 | 1,874 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,367,000 | 1,874 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 3,051 |
| Cash dividends | $2,225,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,335,640 | 1,846 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,762,000 | 2,427 |
| Total interest expense | $1,600,000 | 3,419 |
| Net interest income | $7,162,000 | 2,113 |
| Provision for loan and lease losses | $20,000 | 6,311 |
| Total noninterest income | $1,792,000 | 1,941 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,042,000 | 1,287 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $750,000 | 2,165 |
| Total noninterest expense | $5,055,000 | 2,356 |
| Salaries and employee benefits | $2,674,000 | 2,420 |
| Premises and equipment expense | $717,000 | 2,375 |
| Additional noninterest expense | $1,664,000 | 2,171 |
| Pre-tax net operating income | $3,879,000 | 1,659 |
| Securities gains (losses) | $49,000 | 1,678 |
| Applicable income taxes | $1,396,000 | 1,365 |
| Income before extraordinary items | $2,532,000 | 1,878 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,532,000 | 1,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 2,998 |
| Cash dividends | $2,225,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,500,640 | 1,854 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,789,000 | 2,425 |
| Total interest expense | $1,084,000 | 3,348 |
| Net interest income | $4,705,000 | 2,131 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $1,139,000 | 2,001 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $691,000 | 1,282 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $448,000 | 2,354 |
| Total noninterest expense | $3,362,000 | 2,358 |
| Salaries and employee benefits | $1,780,000 | 2,411 |
| Premises and equipment expense | $485,000 | 2,350 |
| Additional noninterest expense | $1,097,000 | 2,209 |
| Pre-tax net operating income | $2,482,000 | 1,690 |
| Securities gains (losses) | $49,000 | 1,478 |
| Applicable income taxes | $885,000 | 1,420 |
| Income before extraordinary items | $1,646,000 | 1,907 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,646,000 | 1,908 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,672 |
| Cash dividends | $2,225,000 | 633 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,614,150 | 1,887 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,895,000 | 2,429 |
| Total interest expense | $553,000 | 3,331 |
| Net interest income | $2,342,000 | 2,142 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $556,000 | 2,001 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $353,000 | 1,207 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $203,000 | 2,459 |
| Total noninterest expense | $1,717,000 | 2,319 |
| Salaries and employee benefits | $915,000 | 2,367 |
| Premises and equipment expense | $247,000 | 2,338 |
| Additional noninterest expense | $555,000 | 2,136 |
| Pre-tax net operating income | $1,181,000 | 1,751 |
| Securities gains (losses) | $49,000 | 1,209 |
| Applicable income taxes | $433,000 | 1,460 |
| Income before extraordinary items | $797,000 | 1,964 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $797,000 | 1,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $2,225,000 | 341 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $765,150 | 1,941 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $12,720,000 | 2,261 |
| Total interest expense | $2,254,000 | 3,628 |
| Net interest income | $10,466,000 | 1,868 |
| Provision for loan and lease losses | $55,000 | 6,156 |
| Total noninterest income | $2,217,000 | 2,149 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,500,000 | 1,148 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $717,000 | 2,925 |
| Total noninterest expense | $7,151,000 | 2,202 |
| Salaries and employee benefits | $3,824,000 | 2,226 |
| Premises and equipment expense | $917,000 | 2,437 |
| Additional noninterest expense | $2,410,000 | 1,991 |
| Pre-tax net operating income | $5,470,000 | 1,503 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $1,921,000 | 1,329 |
| Income before extraordinary items | $3,549,000 | 1,755 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,549,000 | 1,757 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,807 |
| Cash dividends | $4,650,000 | 694 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,549,000 | 1,673 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $9,569,000 | 2,286 |
| Total interest expense | $1,762,000 | 3,617 |
| Net interest income | $7,807,000 | 1,887 |
| Provision for loan and lease losses | $55,000 | 5,636 |
| Total noninterest income | $1,677,000 | 2,172 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,126,000 | 1,148 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $551,000 | 2,962 |
| Total noninterest expense | $5,333,000 | 2,204 |
| Salaries and employee benefits | $2,898,000 | 2,198 |
| Premises and equipment expense | $697,000 | 2,416 |
| Additional noninterest expense | $1,738,000 | 2,062 |
| Pre-tax net operating income | $4,096,000 | 1,547 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $1,432,000 | 1,405 |
| Income before extraordinary items | $2,664,000 | 1,815 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,664,000 | 1,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 3,836 |
| Cash dividends | $4,650,000 | 512 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,664,000 | 1,714 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,169,000 | 4,234 |
| Total interest expense | $712,000 | 5,287 |
| Net interest income | $2,457,000 | 3,756 |
| Provision for loan and lease losses | $13,000 | 6,657 |
| Total noninterest income | $562,000 | 3,498 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $338,000 | 2,413 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $224,000 | 3,822 |
| Total noninterest expense | $1,508,000 | 4,571 |
| Salaries and employee benefits | $866,000 | 4,367 |
| Premises and equipment expense | $167,000 | 5,295 |
| Additional noninterest expense | $475,000 | 4,410 |
| Pre-tax net operating income | $1,498,000 | 2,597 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $574,000 | 2,109 |
| Income before extraordinary items | $924,000 | 3,149 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $924,000 | 3,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 4,485 |
| Cash dividends | $1,650,000 | 878 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $924,000 | 2,984 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,584,000 | 4,261 |
| Total interest expense | $359,000 | 5,376 |
| Net interest income | $1,225,000 | 3,757 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $268,000 | 3,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $158,000 | 2,474 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 3,756 |
| Total noninterest expense | $763,000 | 4,513 |
| Salaries and employee benefits | $439,000 | 4,325 |
| Premises and equipment expense | $88,000 | 5,119 |
| Additional noninterest expense | $236,000 | 4,401 |
| Pre-tax net operating income | $725,000 | 2,666 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $278,000 | 2,155 |
| Income before extraordinary items | $447,000 | 3,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $447,000 | 3,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $1,650,000 | 439 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $447,000 | 3,029 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,712,000 | 4,194 |
| Total interest expense | $1,896,000 | 4,979 |
| Net interest income | $4,816,000 | 3,774 |
| Provision for loan and lease losses | $58,000 | 6,574 |
| Total noninterest income | $942,000 | 3,613 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $566,000 | 2,684 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $376,000 | 3,812 |
| Total noninterest expense | $2,779,000 | 4,705 |
| Salaries and employee benefits | $1,583,000 | 4,486 |
| Premises and equipment expense | $330,000 | 5,272 |
| Additional noninterest expense | $866,000 | 4,662 |
| Pre-tax net operating income | $2,921,000 | 2,556 |
| Securities gains (losses) | $44,000 | 2,517 |
| Applicable income taxes | $1,125,000 | 2,026 |
| Income before extraordinary items | $1,840,000 | 2,974 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,840,000 | 2,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 8,932 |
| Cash dividends | $1,925,000 | 1,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,811,840 | 2,928 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,349,000 | 4,289 |
| Total interest expense | $3,251,000 | 4,440 |
| Net interest income | $4,098,000 | 4,052 |
| Provision for loan and lease losses | $180,000 | 4,345 |
| Total noninterest income | $827,000 | 3,762 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $535,000 | 2,678 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $292,000 | 4,172 |
| Total noninterest expense | $2,777,000 | 4,602 |
| Salaries and employee benefits | $1,447,000 | 4,636 |
| Premises and equipment expense | $304,000 | 5,474 |
| Additional noninterest expense | $1,026,000 | 3,979 |
| Pre-tax net operating income | $1,968,000 | 3,203 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $813,000 | 2,392 |
| Income before extraordinary items | $1,155,000 | 3,904 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,155,000 | 3,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $104,000 | 3,996 |
| Cash dividends | $1,299,000 | 1,861 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,155,000 | 3,773 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,649,000 | 4,768 |
| Total interest expense | $2,816,000 | 5,160 |
| Net interest income | $3,833,000 | 4,323 |
| Provision for loan and lease losses | $106,000 | 5,184 |
| Total noninterest income | $637,000 | 4,256 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $418,000 | 3,127 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $219,000 | 4,579 |
| Total noninterest expense | $2,152,000 | 5,415 |
| Salaries and employee benefits | $1,127,000 | 5,470 |
| Premises and equipment expense | $214,000 | 6,555 |
| Additional noninterest expense | $811,000 | 4,690 |
| Pre-tax net operating income | $2,212,000 | 3,067 |
| Securities gains (losses) | $-11,000 | 8,394 |
| Applicable income taxes | $901,000 | 2,313 |
| Income before extraordinary items | $1,300,000 | 3,637 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,300,000 | 3,637 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,715 |
| Cash dividends | $1,323,000 | 1,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,307,040 | 3,605 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,380,000 | 4,752 |
| Total interest expense | $2,482,000 | 5,215 |
| Net interest income | $3,898,000 | 4,275 |
| Provision for loan and lease losses | $174,000 | 3,923 |
| Total noninterest income | $652,000 | 4,181 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $387,000 | 3,299 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $265,000 | 4,313 |
| Total noninterest expense | $2,185,000 | 5,349 |
| Salaries and employee benefits | $1,074,000 | 5,608 |
| Premises and equipment expense | $211,000 | 6,631 |
| Additional noninterest expense | $900,000 | 4,381 |
| Pre-tax net operating income | $2,191,000 | 3,108 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $867,000 | 2,465 |
| Income before extraordinary items | $1,323,000 | 3,590 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,323,000 | 3,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,179 |
| Cash dividends | $300,000 | 4,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,323,640 | 3,555 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,425,000 | 4,728 |
| Total interest expense | $2,714,000 | 5,079 |
| Net interest income | $3,711,000 | 4,378 |
| Provision for loan and lease losses | $124,000 | 4,562 |
| Total noninterest income | $605,000 | 4,366 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $371,000 | 3,347 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $234,000 | 4,560 |
| Total noninterest expense | $2,195,000 | 5,226 |
| Salaries and employee benefits | $1,041,000 | 5,615 |
| Premises and equipment expense | $199,000 | 6,731 |
| Additional noninterest expense | $955,000 | 4,111 |
| Pre-tax net operating income | $1,997,000 | 3,346 |
| Securities gains (losses) | $4,000 | 3,561 |
| Applicable income taxes | $830,000 | 2,656 |
| Income before extraordinary items | $1,171,000 | 4,009 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,171,000 | 4,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,758 |
| Cash dividends | $1,051,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,168,440 | 3,923 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,141,000 | 4,975 |
| Total interest expense | $2,611,000 | 5,245 |
| Net interest income | $3,530,000 | 4,700 |
| Provision for loan and lease losses | $447,000 | 1,939 |
| Total noninterest income | $588,000 | 4,472 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $320,000 | 3,879 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $268,000 | 4,189 |
| Total noninterest expense | $1,909,000 | 5,824 |
| Salaries and employee benefits | $1,040,000 | 5,714 |
| Premises and equipment expense | $196,000 | 6,924 |
| Additional noninterest expense | $673,000 | 5,369 |
| Pre-tax net operating income | $1,762,000 | 3,925 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $713,000 | 3,194 |
| Income before extraordinary items | $1,051,000 | 4,517 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,051,000 | 4,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $167,000 | 2,850 |
| Cash dividends | $1,251,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,049,720 | 4,466 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,835,000 | 5,289 |
| Total interest expense | $2,597,000 | 5,357 |
| Net interest income | $3,238,000 | 5,146 |
| Provision for loan and lease losses | $47,000 | 6,760 |
| Total noninterest income | $818,000 | 3,641 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $381,000 | 3,476 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $437,000 | 3,205 |
| Total noninterest expense | $1,968,000 | 6,005 |
| Salaries and employee benefits | $1,096,000 | 5,595 |
| Premises and equipment expense | $217,000 | 6,740 |
| Additional noninterest expense | $655,000 | 6,002 |
| Pre-tax net operating income | $2,041,000 | 3,377 |
| Securities gains (losses) | $36,000 | 1,560 |
| Applicable income taxes | $826,000 | 2,768 |
| Income before extraordinary items | $1,251,000 | 3,738 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,251,000 | 3,737 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 6,149 |
| Cash dividends | $1,711,000 | 1,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,227,960 | 3,756 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,285,000 | 7,824 |
| Total interest expense | $1,451,000 | 7,823 |
| Net interest income | $1,834,000 | 7,683 |
| Provision for loan and lease losses | $95,000 | 4,744 |
| Total noninterest income | $347,000 | 6,515 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $250,000 | 4,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $97,000 | 7,327 |
| Total noninterest expense | $1,125,000 | 8,484 |
| Salaries and employee benefits | $605,000 | 8,327 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $378,000 | 8,419 |
| Pre-tax net operating income | $961,000 | 6,149 |
| Securities gains (losses) | $1,000 | 3,512 |
| Applicable income taxes | $375,000 | 5,171 |
| Income before extraordinary items | $587,000 | 6,682 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $587,000 | 6,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $636,000 | 2,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $586,360 | 6,680 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,900,000 | 8,229 |
| Total interest expense | $1,044,000 | 8,502 |
| Net interest income | $1,856,000 | 7,900 |
| Provision for loan and lease losses | $-18,000 | 11,827 |
| Total noninterest income | $305,000 | 7,183 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $223,000 | 5,464 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $1,125,000 | 8,886 |
| Salaries and employee benefits | $578,000 | 8,771 |
| Premises and equipment expense | $149,000 | 8,576 |
| Additional noninterest expense | $398,000 | 8,846 |
| Pre-tax net operating income | $1,054,000 | 5,736 |
| Securities gains (losses) | $-22,000 | 10,411 |
| Applicable income taxes | $396,000 | 4,799 |
| Income before extraordinary items | $636,000 | 6,297 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $636,000 | 6,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 10,929 |
| Cash dividends | $586,000 | 2,877 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $650,080 | 6,292 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,886,000 | 8,521 |
| Total interest expense | $1,134,000 | 8,544 |
| Net interest income | $1,752,000 | 8,357 |
| Provision for loan and lease losses | $-40,000 | 12,687 |
| Total noninterest income | $306,000 | 7,585 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $222,000 | 5,568 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $1,152,000 | 9,095 |
| Salaries and employee benefits | $577,000 | 9,000 |
| Premises and equipment expense | $138,000 | 9,226 |
| Additional noninterest expense | $437,000 | 8,855 |
| Pre-tax net operating income | $946,000 | 6,134 |
| Securities gains (losses) | $-9,000 | 12,743 |
| Applicable income taxes | $340,000 | 5,612 |
| Income before extraordinary items | $597,000 | 6,801 |
| Extraordinary gains, net | $-11,000 | 12,328 |
| Net income | $586,000 | 7,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-32,000 | 12,404 |
| Cash dividends | $534,000 | 2,925 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $602,760 | 6,515 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,995,000 | 8,983 |
| Total interest expense | $1,398,000 | 8,859 |
| Net interest income | $1,597,000 | 8,964 |
| Provision for loan and lease losses | $-13,000 | 13,493 |
| Total noninterest income | $319,000 | 7,474 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $218,000 | 5,664 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 8,026 |
| Total noninterest expense | $1,071,000 | 9,660 |
| Salaries and employee benefits | $545,000 | 9,320 |
| Premises and equipment expense | $105,000 | 10,550 |
| Additional noninterest expense | $421,000 | 9,322 |
| Pre-tax net operating income | $858,000 | 6,296 |
| Securities gains (losses) | $-7,000 | 13,179 |
| Applicable income taxes | $309,000 | 5,805 |
| Income before extraordinary items | $542,000 | 6,978 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $542,000 | 7,069 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $389,000 | 3,421 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $546,480 | 6,590 |
* 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.