Home > Community Resource Bank > Income and Expense
Community Resource Bank, Income and Expense
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $26,713,000 | 1,091 |
| Total interest expense | $10,103,000 | 1,253 |
| Net interest income | $16,610,000 | 979 |
| Provision for loan and lease losses | $2,300,000 | 1,075 |
| Total noninterest income | $4,735,000 | 914 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $2,714,000 | 486 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,021,000 | 1,101 |
| Total noninterest expense | $14,995,000 | 993 |
| Salaries and employee benefits | $8,489,000 | 908 |
| Premises and equipment expense | $1,893,000 | 1,107 |
| Additional noninterest expense | $4,613,000 | 993 |
| Pre-tax net operating income | $4,050,000 | 1,244 |
| Securities gains (losses) | $35,000 | 1,656 |
| Applicable income taxes | $1,513,000 | 830 |
| Income before extraordinary items | $2,572,000 | 1,434 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,572,000 | 1,432 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $575,000 | 1,809 |
| Cash dividends | $1,800,000 | 1,125 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 951 |
| Net operating income | $2,549,600 | 1,521 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $18,234,000 | 1,078 |
| Total interest expense | $7,066,000 | 1,241 |
| Net interest income | $11,168,000 | 963 |
| Provision for loan and lease losses | $910,000 | 1,294 |
| Total noninterest income | $3,424,000 | 870 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $1,801,000 | 469 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,623,000 | 987 |
| Total noninterest expense | $10,111,000 | 978 |
| Salaries and employee benefits | $5,765,000 | 892 |
| Premises and equipment expense | $1,259,000 | 1,099 |
| Additional noninterest expense | $3,087,000 | 964 |
| Pre-tax net operating income | $3,571,000 | 1,001 |
| Securities gains (losses) | $34,000 | 1,705 |
| Applicable income taxes | $1,324,000 | 731 |
| Income before extraordinary items | $2,281,000 | 1,217 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,281,000 | 1,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,836 |
| Cash dividends | $1,200,000 | 1,200 |
| Sale, conversion, retirement of capital stock, net | $28,000 | 889 |
| Net operating income | $2,259,240 | 1,210 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $9,430,000 | 1,069 |
| Total interest expense | $3,841,000 | 1,216 |
| Net interest income | $5,589,000 | 959 |
| Provision for loan and lease losses | $370,000 | 1,209 |
| Total noninterest income | $1,734,000 | 847 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $919,000 | 456 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $815,000 | 989 |
| Total noninterest expense | $5,056,000 | 962 |
| Salaries and employee benefits | $2,847,000 | 914 |
| Premises and equipment expense | $650,000 | 1,067 |
| Additional noninterest expense | $1,559,000 | 922 |
| Pre-tax net operating income | $1,897,000 | 1,000 |
| Securities gains (losses) | $34,000 | 1,302 |
| Applicable income taxes | $690,000 | 797 |
| Income before extraordinary items | $1,241,000 | 1,213 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,241,000 | 1,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-43,000 | 8,298 |
| Cash dividends | $600,000 | 1,164 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 877 |
| Net operating income | $1,219,240 | 1,192 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $39,319,000 | 1,074 |
| Total interest expense | $17,046,000 | 1,159 |
| Net interest income | $22,273,000 | 998 |
| Provision for loan and lease losses | $2,900,000 | 640 |
| Total noninterest income | $6,767,000 | 857 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $3,764,000 | 460 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,003,000 | 1,019 |
| Total noninterest expense | $20,597,000 | 903 |
| Salaries and employee benefits | $11,581,000 | 858 |
| Premises and equipment expense | $2,475,000 | 1,076 |
| Additional noninterest expense | $6,541,000 | 865 |
| Pre-tax net operating income | $5,543,000 | 1,508 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $2,014,000 | 1,129 |
| Income before extraordinary items | $3,531,000 | 1,777 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,531,000 | 1,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,419,000 | 533 |
| Cash dividends | $3,000,000 | 1,163 |
| Sale, conversion, retirement of capital stock, net | $38,000 | 1,103 |
| Net operating income | $3,529,720 | 1,772 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $29,269,000 | 1,087 |
| Total interest expense | $12,730,000 | 1,170 |
| Net interest income | $16,539,000 | 1,003 |
| Provision for loan and lease losses | $925,000 | 952 |
| Total noninterest income | $6,304,000 | 708 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,794,000 | 463 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,510,000 | 736 |
| Total noninterest expense | $15,476,000 | 890 |
| Salaries and employee benefits | $8,915,000 | 832 |
| Premises and equipment expense | $1,845,000 | 1,074 |
| Additional noninterest expense | $4,716,000 | 873 |
| Pre-tax net operating income | $6,442,000 | 1,075 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $2,345,000 | 843 |
| Income before extraordinary items | $4,099,000 | 1,257 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $4,099,000 | 1,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-289,000 | 8,496 |
| Cash dividends | $2,250,000 | 1,112 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 978 |
| Net operating income | $4,097,720 | 1,243 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $19,156,000 | 1,120 |
| Total interest expense | $8,256,000 | 1,206 |
| Net interest income | $10,900,000 | 1,029 |
| Provision for loan and lease losses | $550,000 | 943 |
| Total noninterest income | $4,564,000 | 680 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,807,000 | 479 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $2,757,000 | 651 |
| Total noninterest expense | $10,604,000 | 877 |
| Salaries and employee benefits | $5,991,000 | 843 |
| Premises and equipment expense | $1,235,000 | 1,085 |
| Additional noninterest expense | $3,378,000 | 830 |
| Pre-tax net operating income | $4,310,000 | 1,107 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $1,555,000 | 891 |
| Income before extraordinary items | $2,757,000 | 1,295 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,757,000 | 1,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-521,000 | 8,585 |
| Cash dividends | $1,500,000 | 1,106 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $2,755,720 | 1,278 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $9,417,000 | 1,134 |
| Total interest expense | $4,008,000 | 1,227 |
| Net interest income | $5,409,000 | 1,032 |
| Provision for loan and lease losses | $375,000 | 658 |
| Total noninterest income | $1,799,000 | 818 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $880,000 | 479 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $919,000 | 896 |
| Total noninterest expense | $5,062,000 | 919 |
| Salaries and employee benefits | $2,907,000 | 878 |
| Premises and equipment expense | $589,000 | 1,144 |
| Additional noninterest expense | $1,566,000 | 878 |
| Pre-tax net operating income | $1,771,000 | 1,324 |
| Securities gains (losses) | $2,000 | 969 |
| Applicable income taxes | $638,000 | 1,057 |
| Income before extraordinary items | $1,135,000 | 1,518 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,135,000 | 1,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,387 |
| Cash dividends | $750,000 | 1,020 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,133,720 | 1,510 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $36,224,000 | 1,088 |
| Total interest expense | $14,666,000 | 1,140 |
| Net interest income | $21,558,000 | 1,030 |
| Provision for loan and lease losses | $2,840,000 | 392 |
| Total noninterest income | $5,089,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $3,475,000 | 494 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,614,000 | 1,582 |
| Total noninterest expense | $15,493,000 | 1,161 |
| Salaries and employee benefits | $8,314,000 | 1,173 |
| Premises and equipment expense | $1,886,000 | 1,367 |
| Additional noninterest expense | $5,293,000 | 1,007 |
| Pre-tax net operating income | $8,314,000 | 1,187 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $2,914,000 | 968 |
| Income before extraordinary items | $5,401,000 | 1,354 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $5,401,000 | 1,354 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,801,000 | 127 |
| Cash dividends | $2,480,000 | 1,309 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $5,400,350 | 1,342 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,786,000 | 2,630 |
| Total interest expense | $4,138,000 | 2,697 |
| Net interest income | $6,648,000 | 2,573 |
| Provision for loan and lease losses | $270,000 | 2,327 |
| Total noninterest income | $1,338,000 | 2,421 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $962,000 | 1,399 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $376,000 | 3,309 |
| Total noninterest expense | $3,549,000 | 3,490 |
| Salaries and employee benefits | $1,547,000 | 4,154 |
| Premises and equipment expense | $285,000 | 5,112 |
| Additional noninterest expense | $1,717,000 | 2,265 |
| Pre-tax net operating income | $4,167,000 | 1,776 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,493,000 | 1,395 |
| Income before extraordinary items | $2,674,000 | 2,027 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,674,000 | 2,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $404,000 | 945 |
| Cash dividends | $1,380,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,674,000 | 2,024 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,975,000 | 2,656 |
| Total interest expense | $2,549,000 | 2,770 |
| Net interest income | $4,426,000 | 2,581 |
| Provision for loan and lease losses | $180,000 | 2,262 |
| Total noninterest income | $926,000 | 2,343 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $642,000 | 1,376 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $284,000 | 3,116 |
| Total noninterest expense | $2,272,000 | 3,616 |
| Salaries and employee benefits | $1,022,000 | 4,201 |
| Premises and equipment expense | $193,000 | 5,034 |
| Additional noninterest expense | $1,057,000 | 2,433 |
| Pre-tax net operating income | $2,900,000 | 1,706 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,034,000 | 1,370 |
| Income before extraordinary items | $1,866,000 | 1,952 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,866,000 | 1,954 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $390,000 | 687 |
| Cash dividends | $920,000 | 1,550 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,866,000 | 1,936 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 2,652 |
| Total interest expense | $1,219,000 | 2,764 |
| Net interest income | $2,205,000 | 2,569 |
| Provision for loan and lease losses | $90,000 | 2,132 |
| Total noninterest income | $440,000 | 2,393 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $310,000 | 1,386 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $130,000 | 3,236 |
| Total noninterest expense | $1,122,000 | 3,665 |
| Salaries and employee benefits | $498,000 | 4,297 |
| Premises and equipment expense | $101,000 | 4,920 |
| Additional noninterest expense | $523,000 | 2,448 |
| Pre-tax net operating income | $1,433,000 | 1,686 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $513,000 | 1,371 |
| Income before extraordinary items | $920,000 | 1,935 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $920,000 | 1,934 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $460,000 | 1,462 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $920,000 | 1,912 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,497,000 | 2,622 |
| Total interest expense | $3,761,000 | 2,782 |
| Net interest income | $8,736,000 | 2,490 |
| Provision for loan and lease losses | $425,000 | 2,167 |
| Total noninterest income | $1,956,000 | 2,253 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,344,000 | 1,319 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $612,000 | 3,023 |
| Total noninterest expense | $4,509,000 | 3,541 |
| Salaries and employee benefits | $1,936,000 | 4,219 |
| Premises and equipment expense | $334,000 | 5,428 |
| Additional noninterest expense | $2,239,000 | 2,235 |
| Pre-tax net operating income | $5,758,000 | 1,629 |
| Securities gains (losses) | $-11,000 | 7,567 |
| Applicable income taxes | $2,053,000 | 1,327 |
| Income before extraordinary items | $3,694,000 | 1,863 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,694,000 | 1,862 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $185,000 | 2,402 |
| Cash dividends | $3,724,000 | 865 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,701,040 | 1,844 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,142,000 | 2,622 |
| Total interest expense | $2,652,000 | 2,792 |
| Net interest income | $6,490,000 | 2,500 |
| Provision for loan and lease losses | $275,000 | 2,345 |
| Total noninterest income | $1,497,000 | 2,212 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $1,011,000 | 1,304 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $486,000 | 2,937 |
| Total noninterest expense | $3,361,000 | 3,512 |
| Salaries and employee benefits | $1,442,000 | 4,210 |
| Premises and equipment expense | $252,000 | 5,413 |
| Additional noninterest expense | $1,667,000 | 2,216 |
| Pre-tax net operating income | $4,351,000 | 1,640 |
| Securities gains (losses) | $-11,000 | 7,939 |
| Applicable income taxes | $1,543,000 | 1,353 |
| Income before extraordinary items | $2,797,000 | 1,873 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,797,000 | 1,873 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 2,687 |
| Cash dividends | $1,398,000 | 1,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,804,040 | 1,830 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,896,000 | 2,641 |
| Total interest expense | $1,631,000 | 2,851 |
| Net interest income | $4,265,000 | 2,511 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $1,013,000 | 2,150 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $668,000 | 1,282 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $345,000 | 2,804 |
| Total noninterest expense | $2,237,000 | 3,499 |
| Salaries and employee benefits | $962,000 | 4,192 |
| Premises and equipment expense | $163,000 | 5,467 |
| Additional noninterest expense | $1,112,000 | 2,204 |
| Pre-tax net operating income | $2,891,000 | 1,616 |
| Securities gains (losses) | $-11,000 | 8,167 |
| Applicable income taxes | $1,025,000 | 1,353 |
| Income before extraordinary items | $1,855,000 | 1,842 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,855,000 | 1,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,928 |
| Cash dividends | $937,000 | 1,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,862,040 | 1,798 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,892,000 | 2,658 |
| Total interest expense | $783,000 | 2,848 |
| Net interest income | $2,109,000 | 2,534 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $474,000 | 2,214 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $326,000 | 1,255 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $148,000 | 3,002 |
| Total noninterest expense | $1,128,000 | 3,497 |
| Salaries and employee benefits | $499,000 | 4,095 |
| Premises and equipment expense | $83,000 | 5,458 |
| Additional noninterest expense | $546,000 | 2,235 |
| Pre-tax net operating income | $1,380,000 | 1,654 |
| Securities gains (losses) | $-11,000 | 8,547 |
| Applicable income taxes | $486,000 | 1,388 |
| Income before extraordinary items | $883,000 | 1,919 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $883,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $471,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $890,040 | 1,870 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,973,000 | 2,837 |
| Total interest expense | $2,396,000 | 3,148 |
| Net interest income | $7,577,000 | 2,669 |
| Provision for loan and lease losses | $400,000 | 2,359 |
| Total noninterest income | $1,923,000 | 2,259 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,322,000 | 1,341 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $601,000 | 2,989 |
| Total noninterest expense | $3,970,000 | 3,762 |
| Salaries and employee benefits | $1,805,000 | 4,333 |
| Premises and equipment expense | $325,000 | 5,449 |
| Additional noninterest expense | $1,840,000 | 2,604 |
| Pre-tax net operating income | $5,130,000 | 1,659 |
| Securities gains (losses) | $8,000 | 2,935 |
| Applicable income taxes | $1,825,000 | 1,385 |
| Income before extraordinary items | $3,313,000 | 1,906 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,313,000 | 1,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $456,000 | 1,443 |
| Cash dividends | $1,560,000 | 1,672 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,307,880 | 1,864 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,261,000 | 2,886 |
| Total interest expense | $1,686,000 | 3,269 |
| Net interest income | $5,575,000 | 2,691 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $1,440,000 | 2,268 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $990,000 | 1,354 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $450,000 | 2,986 |
| Total noninterest expense | $3,003,000 | 3,712 |
| Salaries and employee benefits | $1,384,000 | 4,231 |
| Premises and equipment expense | $244,000 | 5,419 |
| Additional noninterest expense | $1,375,000 | 2,581 |
| Pre-tax net operating income | $3,832,000 | 1,677 |
| Securities gains (losses) | $8,000 | 2,829 |
| Applicable income taxes | $1,366,000 | 1,394 |
| Income before extraordinary items | $2,474,000 | 1,919 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,474,000 | 1,920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,684 |
| Cash dividends | $1,137,000 | 1,565 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,468,880 | 1,871 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,771,000 | 2,913 |
| Total interest expense | $1,107,000 | 3,281 |
| Net interest income | $3,664,000 | 2,715 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $974,000 | 2,237 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $653,000 | 1,364 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $321,000 | 2,883 |
| Total noninterest expense | $2,009,000 | 3,724 |
| Salaries and employee benefits | $931,000 | 4,207 |
| Premises and equipment expense | $160,000 | 5,480 |
| Additional noninterest expense | $918,000 | 2,579 |
| Pre-tax net operating income | $2,509,000 | 1,675 |
| Securities gains (losses) | $-2,000 | 8,438 |
| Applicable income taxes | $893,000 | 1,408 |
| Income before extraordinary items | $1,614,000 | 1,940 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,614,000 | 1,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 3,066 |
| Cash dividends | $716,000 | 1,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,615,280 | 1,885 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,408,000 | 2,893 |
| Total interest expense | $565,000 | 3,275 |
| Net interest income | $1,843,000 | 2,690 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $490,000 | 2,194 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $334,000 | 1,288 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $156,000 | 2,878 |
| Total noninterest expense | $1,007,000 | 3,740 |
| Salaries and employee benefits | $443,000 | 4,396 |
| Premises and equipment expense | $84,000 | 5,376 |
| Additional noninterest expense | $480,000 | 2,461 |
| Pre-tax net operating income | $1,266,000 | 1,644 |
| Securities gains (losses) | $-2,000 | 8,748 |
| Applicable income taxes | $452,000 | 1,404 |
| Income before extraordinary items | $812,000 | 1,930 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $812,000 | 1,930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 2,364 |
| Cash dividends | $358,000 | 1,538 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $813,280 | 1,837 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $9,183,000 | 3,065 |
| Total interest expense | $2,556,000 | 3,283 |
| Net interest income | $6,627,000 | 2,897 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $2,151,000 | 2,201 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,277,000 | 1,356 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $874,000 | 2,589 |
| Total noninterest expense | $4,080,000 | 3,659 |
| Salaries and employee benefits | $1,916,000 | 4,071 |
| Premises and equipment expense | $328,000 | 5,388 |
| Additional noninterest expense | $1,836,000 | 2,591 |
| Pre-tax net operating income | $4,398,000 | 1,835 |
| Securities gains (losses) | $70,000 | 2,206 |
| Applicable income taxes | $1,601,000 | 1,533 |
| Income before extraordinary items | $2,867,000 | 2,112 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,867,000 | 2,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,652 |
| Cash dividends | $1,402,000 | 1,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,822,200 | 2,058 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,872,000 | 3,105 |
| Total interest expense | $1,985,000 | 3,315 |
| Net interest income | $4,887,000 | 2,955 |
| Provision for loan and lease losses | $240,000 | 2,928 |
| Total noninterest income | $1,683,000 | 2,168 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $985,000 | 1,324 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $698,000 | 2,564 |
| Total noninterest expense | $3,059,000 | 3,643 |
| Salaries and employee benefits | $1,469,000 | 3,987 |
| Premises and equipment expense | $223,000 | 5,675 |
| Additional noninterest expense | $1,367,000 | 2,593 |
| Pre-tax net operating income | $3,271,000 | 1,905 |
| Securities gains (losses) | $70,000 | 2,036 |
| Applicable income taxes | $1,200,000 | 1,611 |
| Income before extraordinary items | $2,141,000 | 2,189 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,141,000 | 2,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,047 |
| Cash dividends | $1,052,000 | 1,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,096,200 | 2,114 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,564,000 | 3,131 |
| Total interest expense | $1,388,000 | 3,281 |
| Net interest income | $3,176,000 | 3,015 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $1,113,000 | 2,183 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $648,000 | 1,327 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $465,000 | 2,551 |
| Total noninterest expense | $2,033,000 | 3,643 |
| Salaries and employee benefits | $978,000 | 3,992 |
| Premises and equipment expense | $145,000 | 5,768 |
| Additional noninterest expense | $910,000 | 2,595 |
| Pre-tax net operating income | $2,076,000 | 1,975 |
| Securities gains (losses) | $70,000 | 1,778 |
| Applicable income taxes | $770,000 | 1,674 |
| Income before extraordinary items | $1,376,000 | 2,275 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,376,000 | 2,273 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $701,000 | 1,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,331,200 | 2,206 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,322,000 | 3,104 |
| Total interest expense | $709,000 | 3,281 |
| Net interest income | $1,613,000 | 2,966 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $522,000 | 2,219 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $301,000 | 1,379 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $221,000 | 2,545 |
| Total noninterest expense | $1,004,000 | 3,648 |
| Salaries and employee benefits | $484,000 | 4,004 |
| Premises and equipment expense | $74,000 | 5,683 |
| Additional noninterest expense | $446,000 | 2,585 |
| Pre-tax net operating income | $1,041,000 | 1,970 |
| Securities gains (losses) | $46,000 | 1,434 |
| Applicable income taxes | $388,000 | 1,672 |
| Income before extraordinary items | $699,000 | 2,192 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $699,000 | 2,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,852 |
| Cash dividends | $351,000 | 1,584 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $669,560 | 2,166 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,096,000 | 2,996 |
| Total interest expense | $3,368,000 | 3,216 |
| Net interest income | $6,728,000 | 2,832 |
| Provision for loan and lease losses | $390,000 | 2,895 |
| Total noninterest income | $1,725,000 | 2,388 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,138,000 | 1,422 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $587,000 | 3,007 |
| Total noninterest expense | $3,791,000 | 3,708 |
| Salaries and employee benefits | $1,818,000 | 4,052 |
| Premises and equipment expense | $290,000 | 5,685 |
| Additional noninterest expense | $1,683,000 | 2,681 |
| Pre-tax net operating income | $4,272,000 | 1,882 |
| Securities gains (losses) | $108,000 | 1,668 |
| Applicable income taxes | $1,576,000 | 1,584 |
| Income before extraordinary items | $2,804,000 | 2,133 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,804,000 | 2,133 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $330,000 | 2,219 |
| Cash dividends | $1,254,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,734,880 | 2,110 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,486,000 | 2,950 |
| Total interest expense | $5,262,000 | 3,022 |
| Net interest income | $6,224,000 | 2,854 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $1,435,000 | 2,598 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $954,000 | 1,555 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $481,000 | 3,197 |
| Total noninterest expense | $3,536,000 | 3,792 |
| Salaries and employee benefits | $1,686,000 | 4,129 |
| Premises and equipment expense | $279,000 | 5,753 |
| Additional noninterest expense | $1,571,000 | 2,764 |
| Pre-tax net operating income | $3,883,000 | 1,814 |
| Securities gains (losses) | $31,000 | 2,791 |
| Applicable income taxes | $1,407,000 | 1,589 |
| Income before extraordinary items | $2,507,000 | 2,083 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,507,000 | 2,087 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,585 |
| Cash dividends | $1,120,000 | 2,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,487,160 | 2,029 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,741,000 | 2,947 |
| Total interest expense | $5,673,000 | 2,929 |
| Net interest income | $6,068,000 | 2,903 |
| Provision for loan and lease losses | $270,000 | 3,077 |
| Total noninterest income | $918,000 | 3,339 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $688,000 | 2,015 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $230,000 | 4,468 |
| Total noninterest expense | $3,217,000 | 3,987 |
| Salaries and employee benefits | $1,501,000 | 4,360 |
| Premises and equipment expense | $262,000 | 5,881 |
| Additional noninterest expense | $1,454,000 | 2,892 |
| Pre-tax net operating income | $3,499,000 | 2,086 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $1,256,000 | 1,758 |
| Income before extraordinary items | $2,243,000 | 2,297 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,243,000 | 2,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $121,000 | 3,249 |
| Cash dividends | $1,027,000 | 2,212 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,243,000 | 2,306 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $9,851,000 | 3,258 |
| Total interest expense | $4,401,000 | 3,307 |
| Net interest income | $5,450,000 | 3,185 |
| Provision for loan and lease losses | $280,000 | 2,822 |
| Total noninterest income | $757,000 | 3,759 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $539,000 | 2,458 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $218,000 | 4,745 |
| Total noninterest expense | $2,877,000 | 4,355 |
| Salaries and employee benefits | $1,360,000 | 4,696 |
| Premises and equipment expense | $243,000 | 6,141 |
| Additional noninterest expense | $1,274,000 | 3,261 |
| Pre-tax net operating income | $3,050,000 | 2,375 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $996,000 | 2,224 |
| Income before extraordinary items | $2,054,000 | 2,527 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,054,000 | 2,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,827 |
| Cash dividends | $868,000 | 2,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,054,000 | 2,487 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,905,000 | 3,566 |
| Total interest expense | $4,076,000 | 3,625 |
| Net interest income | $4,829,000 | 3,514 |
| Provision for loan and lease losses | $270,000 | 2,850 |
| Total noninterest income | $716,000 | 3,909 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $497,000 | 2,575 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $219,000 | 4,731 |
| Total noninterest expense | $2,782,000 | 4,399 |
| Salaries and employee benefits | $1,253,000 | 4,905 |
| Premises and equipment expense | $216,000 | 6,493 |
| Additional noninterest expense | $1,313,000 | 3,109 |
| Pre-tax net operating income | $2,493,000 | 2,796 |
| Securities gains (losses) | $-1,000 | 9,769 |
| Applicable income taxes | $755,000 | 2,862 |
| Income before extraordinary items | $1,737,000 | 2,878 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,737,000 | 2,879 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,472 |
| Cash dividends | $700,000 | 2,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,737,700 | 2,790 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,966,000 | 3,988 |
| Total interest expense | $3,631,000 | 4,019 |
| Net interest income | $4,335,000 | 3,940 |
| Provision for loan and lease losses | $195,000 | 3,507 |
| Total noninterest income | $570,000 | 4,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $393,000 | 3,263 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,246 |
| Total noninterest expense | $2,564,000 | 4,690 |
| Salaries and employee benefits | $1,149,000 | 5,280 |
| Premises and equipment expense | $208,000 | 6,702 |
| Additional noninterest expense | $1,207,000 | 3,340 |
| Pre-tax net operating income | $2,146,000 | 3,315 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $745,000 | 3,092 |
| Income before extraordinary items | $1,401,000 | 3,570 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,401,000 | 3,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 3,945 |
| Cash dividends | $580,000 | 3,169 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,401,000 | 3,493 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,904,000 | 4,636 |
| Total interest expense | $3,176,000 | 4,544 |
| Net interest income | $3,728,000 | 4,576 |
| Provision for loan and lease losses | $130,000 | 4,417 |
| Total noninterest income | $469,000 | 5,386 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $118,000 | 6,646 |
| Total noninterest expense | $2,238,000 | 5,466 |
| Salaries and employee benefits | $1,176,000 | 5,293 |
| Premises and equipment expense | $227,000 | 6,573 |
| Additional noninterest expense | $835,000 | 5,039 |
| Pre-tax net operating income | $1,829,000 | 3,657 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $667,000 | 3,291 |
| Income before extraordinary items | $1,162,000 | 3,972 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,162,000 | 3,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,007 |
| Cash dividends | $504,000 | 3,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,162,000 | 3,926 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,326,000 | 4,971 |
| Total interest expense | $2,956,000 | 4,828 |
| Net interest income | $3,370,000 | 5,016 |
| Provision for loan and lease losses | $160,000 | 3,506 |
| Total noninterest income | $430,000 | 5,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $324,000 | 4,025 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,051 |
| Total noninterest expense | $2,080,000 | 5,806 |
| Salaries and employee benefits | $1,201,000 | 5,212 |
| Premises and equipment expense | $263,000 | 6,155 |
| Additional noninterest expense | $616,000 | 6,436 |
| Pre-tax net operating income | $1,560,000 | 4,311 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $553,000 | 3,880 |
| Income before extraordinary items | $1,007,000 | 4,592 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,007,000 | 4,590 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 4,528 |
| Cash dividends | $415,000 | 3,766 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,007,000 | 4,568 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,160,000 | 5,524 |
| Total interest expense | $2,119,000 | 5,337 |
| Net interest income | $3,041,000 | 5,563 |
| Provision for loan and lease losses | $125,000 | 3,960 |
| Total noninterest income | $362,000 | 6,522 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $263,000 | 4,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,543 |
| Total noninterest expense | $2,006,000 | 6,187 |
| Salaries and employee benefits | $1,035,000 | 5,922 |
| Premises and equipment expense | $285,000 | 5,938 |
| Additional noninterest expense | $686,000 | 6,429 |
| Pre-tax net operating income | $1,272,000 | 5,014 |
| Securities gains (losses) | $2,000 | 3,070 |
| Applicable income taxes | $444,000 | 4,438 |
| Income before extraordinary items | $830,000 | 5,217 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $830,000 | 5,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,002 |
| Cash dividends | $328,000 | 4,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $828,700 | 5,279 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,506,000 | 6,307 |
| Total interest expense | $1,820,000 | 6,285 |
| Net interest income | $2,686,000 | 6,187 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $297,000 | 7,722 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 6,027 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,857 |
| Total noninterest expense | $1,813,000 | 6,843 |
| Salaries and employee benefits | $929,000 | 6,551 |
| Premises and equipment expense | $270,000 | 6,333 |
| Additional noninterest expense | $614,000 | 7,214 |
| Pre-tax net operating income | $1,010,000 | 5,855 |
| Securities gains (losses) | $3,000 | 6,505 |
| Applicable income taxes | $345,000 | 5,559 |
| Income before extraordinary items | $668,000 | 6,300 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $668,000 | 6,477 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 5,762 |
| Cash dividends | $290,000 | 4,525 |
| Sale, conversion, retirement of capital stock, net | $24,000 | 1,064 |
| Net operating income | $666,020 | 6,084 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,464,000 | 6,942 |
| Total interest expense | $2,126,000 | 6,803 |
| Net interest income | $2,338,000 | 6,920 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $248,000 | 8,523 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $184,000 | 6,304 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,594 |
| Total noninterest expense | $1,506,000 | 7,887 |
| Salaries and employee benefits | $755,000 | 7,579 |
| Premises and equipment expense | $242,000 | 6,944 |
| Additional noninterest expense | $509,000 | 8,374 |
| Pre-tax net operating income | $880,000 | 6,200 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $297,000 | 5,965 |
| Income before extraordinary items | $583,000 | 6,679 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $583,000 | 6,762 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 4,785 |
| Cash dividends | $136,000 | 5,966 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $583,000 | 6,329 |
* 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.