Home > Connecticut River Bank > Income and Expense
Connecticut River Bank, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $4,431,000 | 2,691 |
| Total interest expense | $532,000 | 2,534 |
| Net interest income | $3,899,000 | 2,680 |
| Provision for loan and lease losses | $300,000 | 1,222 |
| Total noninterest income | $1,239,000 | 1,793 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $426,000 | 1,482 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $813,000 | 1,679 |
| Total noninterest expense | $4,494,000 | 2,104 |
| Salaries and employee benefits | $2,595,000 | 1,986 |
| Premises and equipment expense | $754,000 | 1,573 |
| Additional noninterest expense | $1,145,000 | 2,590 |
| Pre-tax net operating income | $344,000 | 4,719 |
| Securities gains (losses) | $0 | 2,580 |
| Applicable income taxes | $78,000 | 3,192 |
| Income before extraordinary items | $266,000 | 4,905 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $266,000 | 4,906 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $266,000 | 4,907 |
| Net charge-offs | $284,000 | 1,297 |
| Cash dividends | $206,000 | 2,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $266,000 | 4,848 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $2,221,000 | 2,686 |
| Total interest expense | $271,000 | 2,528 |
| Net interest income | $1,950,000 | 2,690 |
| Provision for loan and lease losses | $150,000 | 1,189 |
| Total noninterest income | $596,000 | 1,807 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $203,000 | 1,529 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $393,000 | 1,676 |
| Total noninterest expense | $2,290,000 | 2,075 |
| Salaries and employee benefits | $1,330,000 | 1,950 |
| Premises and equipment expense | $405,000 | 1,500 |
| Additional noninterest expense | $555,000 | 2,662 |
| Pre-tax net operating income | $106,000 | 5,216 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $-13,000 | 6,473 |
| Income before extraordinary items | $119,000 | 4,959 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $119,000 | 4,962 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $119,000 | 4,961 |
| Net charge-offs | $95,000 | 1,407 |
| Cash dividends | $103,000 | 2,206 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $119,000 | 4,916 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $9,285,000 | 2,605 |
| Total interest expense | $1,217,000 | 2,533 |
| Net interest income | $8,068,000 | 2,584 |
| Provision for loan and lease losses | $774,000 | 1,374 |
| Total noninterest income | $2,635,000 | 1,789 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $898,000 | 1,494 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,737,000 | 1,682 |
| Total noninterest expense | $9,504,000 | 1,989 |
| Salaries and employee benefits | $5,323,000 | 1,914 |
| Premises and equipment expense | $1,366,000 | 1,715 |
| Additional noninterest expense | $2,815,000 | 2,217 |
| Pre-tax net operating income | $425,000 | 5,162 |
| Securities gains (losses) | $0 | 3,182 |
| Applicable income taxes | $158,000 | 3,119 |
| Income before extraordinary items | $267,000 | 5,508 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $267,000 | 5,513 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $267,000 | 5,513 |
| Net charge-offs | $1,499,000 | 937 |
| Cash dividends | $510,000 | 2,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $267,000 | 5,456 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $7,016,000 | 2,600 |
| Total interest expense | $934,000 | 2,569 |
| Net interest income | $6,082,000 | 2,582 |
| Provision for loan and lease losses | $476,000 | 1,568 |
| Total noninterest income | $1,950,000 | 1,821 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $675,000 | 1,504 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,275,000 | 1,747 |
| Total noninterest expense | $6,822,000 | 2,075 |
| Salaries and employee benefits | $4,105,000 | 1,871 |
| Premises and equipment expense | $1,045,000 | 1,693 |
| Additional noninterest expense | $1,672,000 | 2,734 |
| Pre-tax net operating income | $734,000 | 4,191 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $158,000 | 2,981 |
| Income before extraordinary items | $576,000 | 4,370 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $576,000 | 4,373 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $576,000 | 4,374 |
| Net charge-offs | $1,196,000 | 887 |
| Cash dividends | $408,000 | 2,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $576,000 | 4,291 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,664,000 | 2,611 |
| Total interest expense | $636,000 | 2,587 |
| Net interest income | $4,028,000 | 2,591 |
| Provision for loan and lease losses | $322,000 | 1,578 |
| Total noninterest income | $1,371,000 | 1,767 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $458,000 | 1,457 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $913,000 | 1,692 |
| Total noninterest expense | $4,584,000 | 2,067 |
| Salaries and employee benefits | $2,739,000 | 1,881 |
| Premises and equipment expense | $733,000 | 1,621 |
| Additional noninterest expense | $1,112,000 | 2,717 |
| Pre-tax net operating income | $493,000 | 4,158 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $112,000 | 2,933 |
| Income before extraordinary items | $381,000 | 4,403 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $381,000 | 4,405 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $381,000 | 4,406 |
| Net charge-offs | $585,000 | 1,125 |
| Cash dividends | $305,000 | 2,161 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $381,000 | 4,285 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,306,000 | 2,644 |
| Total interest expense | $331,000 | 2,567 |
| Net interest income | $1,975,000 | 2,645 |
| Provision for loan and lease losses | $160,000 | 1,554 |
| Total noninterest income | $670,000 | 1,794 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $210,000 | 1,558 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $460,000 | 1,664 |
| Total noninterest expense | $2,300,000 | 2,084 |
| Salaries and employee benefits | $1,377,000 | 1,882 |
| Premises and equipment expense | $386,000 | 1,571 |
| Additional noninterest expense | $537,000 | 2,811 |
| Pre-tax net operating income | $185,000 | 4,580 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $36,000 | 3,230 |
| Income before extraordinary items | $149,000 | 4,735 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $149,000 | 4,736 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $149,000 | 4,737 |
| Net charge-offs | $1,000 | 4,010 |
| Cash dividends | $172,000 | 1,723 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $149,000 | 4,636 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $9,778,000 | 2,620 |
| Total interest expense | $1,523,000 | 2,680 |
| Net interest income | $8,255,000 | 2,604 |
| Provision for loan and lease losses | $749,000 | 2,180 |
| Total noninterest income | $2,974,000 | 1,645 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $913,000 | 1,526 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $2,061,000 | 1,499 |
| Total noninterest expense | $9,040,000 | 2,117 |
| Salaries and employee benefits | $5,479,000 | 1,843 |
| Premises and equipment expense | $1,371,000 | 1,718 |
| Additional noninterest expense | $2,190,000 | 2,876 |
| Pre-tax net operating income | $1,440,000 | 3,393 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $417,000 | 2,355 |
| Income before extraordinary items | $1,023,000 | 3,863 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,023,000 | 3,863 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,023,000 | 3,865 |
| Net charge-offs | $805,000 | 2,050 |
| Cash dividends | $569,000 | 2,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,023,000 | 3,710 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $7,426,000 | 2,645 |
| Total interest expense | $1,163,000 | 2,747 |
| Net interest income | $6,263,000 | 2,614 |
| Provision for loan and lease losses | $494,000 | 2,299 |
| Total noninterest income | $2,134,000 | 1,706 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $696,000 | 1,516 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $1,438,000 | 1,563 |
| Total noninterest expense | $6,812,000 | 2,113 |
| Salaries and employee benefits | $4,122,000 | 1,832 |
| Premises and equipment expense | $1,046,000 | 1,699 |
| Additional noninterest expense | $1,644,000 | 2,882 |
| Pre-tax net operating income | $1,091,000 | 3,476 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $317,000 | 2,408 |
| Income before extraordinary items | $774,000 | 3,913 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $774,000 | 3,913 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $774,000 | 3,915 |
| Net charge-offs | $464,000 | 2,288 |
| Cash dividends | $437,000 | 2,180 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $774,000 | 3,744 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $4,977,000 | 2,641 |
| Total interest expense | $793,000 | 2,801 |
| Net interest income | $4,184,000 | 2,606 |
| Provision for loan and lease losses | $331,000 | 2,286 |
| Total noninterest income | $1,384,000 | 1,723 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $459,000 | 1,524 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $925,000 | 1,592 |
| Total noninterest expense | $4,610,000 | 2,077 |
| Salaries and employee benefits | $2,766,000 | 1,809 |
| Premises and equipment expense | $736,000 | 1,623 |
| Additional noninterest expense | $1,108,000 | 2,869 |
| Pre-tax net operating income | $627,000 | 3,728 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $172,000 | 2,589 |
| Income before extraordinary items | $455,000 | 4,143 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $455,000 | 4,147 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $455,000 | 4,147 |
| Net charge-offs | $148,000 | 3,044 |
| Cash dividends | $305,000 | 2,120 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $455,000 | 3,949 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,483,000 | 2,676 |
| Total interest expense | $414,000 | 2,800 |
| Net interest income | $2,069,000 | 2,641 |
| Provision for loan and lease losses | $164,000 | 2,222 |
| Total noninterest income | $668,000 | 1,771 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $207,000 | 1,634 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $461,000 | 1,597 |
| Total noninterest expense | $2,338,000 | 2,051 |
| Salaries and employee benefits | $1,401,000 | 1,792 |
| Premises and equipment expense | $410,000 | 1,453 |
| Additional noninterest expense | $527,000 | 2,967 |
| Pre-tax net operating income | $235,000 | 4,269 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $57,000 | 2,946 |
| Income before extraordinary items | $178,000 | 4,567 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $178,000 | 4,570 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $178,000 | 4,570 |
| Net charge-offs | $28,000 | 3,468 |
| Cash dividends | $172,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $178,000 | 4,431 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $10,643,000 | 2,619 |
| Total interest expense | $1,818,000 | 2,970 |
| Net interest income | $8,825,000 | 2,490 |
| Provision for loan and lease losses | $604,000 | 3,151 |
| Total noninterest income | $2,435,000 | 1,747 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $915,000 | 1,593 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $1,520,000 | 1,633 |
| Total noninterest expense | $9,334,000 | 2,046 |
| Salaries and employee benefits | $5,368,000 | 1,816 |
| Premises and equipment expense | $1,471,000 | 1,683 |
| Additional noninterest expense | $2,495,000 | 2,593 |
| Pre-tax net operating income | $1,322,000 | 3,241 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $373,000 | 2,315 |
| Income before extraordinary items | $949,000 | 3,647 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $949,000 | 3,650 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $949,000 | 3,650 |
| Net charge-offs | $329,000 | 3,697 |
| Cash dividends | $569,000 | 2,274 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $949,000 | 3,526 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,049,000 | 2,622 |
| Total interest expense | $1,390,000 | 3,045 |
| Net interest income | $6,659,000 | 2,484 |
| Provision for loan and lease losses | $450,000 | 3,020 |
| Total noninterest income | $1,774,000 | 1,766 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $692,000 | 1,582 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $1,082,000 | 1,673 |
| Total noninterest expense | $7,090,000 | 2,036 |
| Salaries and employee benefits | $4,107,000 | 1,775 |
| Premises and equipment expense | $1,090,000 | 1,735 |
| Additional noninterest expense | $1,893,000 | 2,582 |
| Pre-tax net operating income | $893,000 | 3,517 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $244,000 | 2,474 |
| Income before extraordinary items | $649,000 | 3,889 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $649,000 | 3,891 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $649,000 | 3,891 |
| Net charge-offs | $246,000 | 3,470 |
| Cash dividends | $437,000 | 1,946 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $649,000 | 3,777 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $5,353,000 | 2,647 |
| Total interest expense | $935,000 | 3,123 |
| Net interest income | $4,418,000 | 2,499 |
| Provision for loan and lease losses | $300,000 | 2,953 |
| Total noninterest income | $1,259,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $465,000 | 1,552 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $794,000 | 1,573 |
| Total noninterest expense | $4,676,000 | 2,068 |
| Salaries and employee benefits | $2,653,000 | 1,854 |
| Premises and equipment expense | $766,000 | 1,657 |
| Additional noninterest expense | $1,257,000 | 2,634 |
| Pre-tax net operating income | $701,000 | 3,181 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $205,000 | 2,208 |
| Income before extraordinary items | $496,000 | 3,601 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $496,000 | 3,603 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $496,000 | 3,602 |
| Net charge-offs | $74,000 | 4,133 |
| Cash dividends | $305,000 | 1,904 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $496,000 | 3,503 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,665,000 | 2,677 |
| Total interest expense | $476,000 | 3,170 |
| Net interest income | $2,189,000 | 2,517 |
| Provision for loan and lease losses | $150,000 | 2,750 |
| Total noninterest income | $625,000 | 1,696 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $218,000 | 1,621 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $407,000 | 1,545 |
| Total noninterest expense | $2,358,000 | 2,062 |
| Salaries and employee benefits | $1,275,000 | 1,929 |
| Premises and equipment expense | $425,000 | 1,516 |
| Additional noninterest expense | $658,000 | 2,517 |
| Pre-tax net operating income | $306,000 | 3,489 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $86,000 | 2,347 |
| Income before extraordinary items | $220,000 | 3,815 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $220,000 | 3,814 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $220,000 | 3,815 |
| Net charge-offs | $4,000 | 4,727 |
| Cash dividends | $172,000 | 1,528 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $220,000 | 3,765 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $11,160,000 | 2,686 |
| Total interest expense | $2,131,000 | 3,404 |
| Net interest income | $9,029,000 | 2,421 |
| Provision for loan and lease losses | $706,000 | 3,583 |
| Total noninterest income | $2,694,000 | 1,676 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,029,000 | 1,475 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $1,665,000 | 1,589 |
| Total noninterest expense | $9,524,000 | 2,038 |
| Salaries and employee benefits | $5,397,000 | 1,790 |
| Premises and equipment expense | $1,424,000 | 1,801 |
| Additional noninterest expense | $2,703,000 | 2,499 |
| Pre-tax net operating income | $1,493,000 | 2,730 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $472,000 | 1,940 |
| Income before extraordinary items | $1,021,000 | 3,185 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,021,000 | 3,182 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,021,000 | 3,185 |
| Net charge-offs | $854,000 | 2,896 |
| Cash dividends | $609,000 | 2,103 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,021,000 | 3,058 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $8,339,000 | 2,758 |
| Total interest expense | $1,630,000 | 3,483 |
| Net interest income | $6,709,000 | 2,473 |
| Provision for loan and lease losses | $436,000 | 3,781 |
| Total noninterest income | $1,807,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $776,000 | 1,519 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,031,000 | 1,766 |
| Total noninterest expense | $7,035,000 | 2,056 |
| Salaries and employee benefits | $4,075,000 | 1,804 |
| Premises and equipment expense | $1,066,000 | 1,820 |
| Additional noninterest expense | $1,894,000 | 2,612 |
| Pre-tax net operating income | $1,045,000 | 3,004 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $292,000 | 2,177 |
| Income before extraordinary items | $753,000 | 3,385 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $753,000 | 3,384 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $753,000 | 3,385 |
| Net charge-offs | $457,000 | 3,199 |
| Cash dividends | $476,000 | 1,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $753,000 | 3,246 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,485,000 | 2,810 |
| Total interest expense | $1,102,000 | 3,541 |
| Net interest income | $4,383,000 | 2,526 |
| Provision for loan and lease losses | $316,000 | 3,523 |
| Total noninterest income | $1,218,000 | 1,752 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $536,000 | 1,461 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $682,000 | 1,714 |
| Total noninterest expense | $4,708,000 | 2,062 |
| Salaries and employee benefits | $2,716,000 | 1,819 |
| Premises and equipment expense | $719,000 | 1,819 |
| Additional noninterest expense | $1,273,000 | 2,587 |
| Pre-tax net operating income | $577,000 | 3,372 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $152,000 | 2,397 |
| Income before extraordinary items | $425,000 | 3,680 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $425,000 | 3,678 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $425,000 | 3,679 |
| Net charge-offs | $7,000 | 5,969 |
| Cash dividends | $334,000 | 1,784 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $425,000 | 3,577 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,720,000 | 2,884 |
| Total interest expense | $562,000 | 3,611 |
| Net interest income | $2,158,000 | 2,602 |
| Provision for loan and lease losses | $196,000 | 3,033 |
| Total noninterest income | $613,000 | 1,756 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $248,000 | 1,576 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $365,000 | 1,600 |
| Total noninterest expense | $2,349,000 | 2,081 |
| Salaries and employee benefits | $1,351,000 | 1,855 |
| Premises and equipment expense | $380,000 | 1,784 |
| Additional noninterest expense | $618,000 | 2,636 |
| Pre-tax net operating income | $226,000 | 3,859 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $52,000 | 2,757 |
| Income before extraordinary items | $174,000 | 4,128 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $174,000 | 4,127 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $174,000 | 4,127 |
| Net charge-offs | $6,000 | 5,069 |
| Cash dividends | $202,000 | 1,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $174,000 | 4,029 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $11,253,000 | 2,911 |
| Total interest expense | $2,757,000 | 3,649 |
| Net interest income | $8,496,000 | 2,557 |
| Provision for loan and lease losses | $549,000 | 4,404 |
| Total noninterest income | $2,924,000 | 1,644 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $1,044,000 | 1,616 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,880,000 | 1,435 |
| Total noninterest expense | $9,351,000 | 2,136 |
| Salaries and employee benefits | $5,301,000 | 1,865 |
| Premises and equipment expense | $1,430,000 | 1,880 |
| Additional noninterest expense | $2,620,000 | 2,633 |
| Pre-tax net operating income | $1,520,000 | 2,330 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $411,000 | 1,735 |
| Income before extraordinary items | $1,109,000 | 2,599 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,109,000 | 2,597 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,109,000 | 2,598 |
| Net charge-offs | $382,000 | 4,164 |
| Cash dividends | $691,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,109,000 | 2,554 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $8,476,000 | 2,949 |
| Total interest expense | $2,150,000 | 3,672 |
| Net interest income | $6,326,000 | 2,588 |
| Provision for loan and lease losses | $401,000 | 4,175 |
| Total noninterest income | $2,328,000 | 1,590 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $771,000 | 1,647 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,557,000 | 1,355 |
| Total noninterest expense | $7,046,000 | 2,123 |
| Salaries and employee benefits | $3,993,000 | 1,879 |
| Premises and equipment expense | $1,079,000 | 1,882 |
| Additional noninterest expense | $1,974,000 | 2,600 |
| Pre-tax net operating income | $1,207,000 | 2,426 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $337,000 | 1,808 |
| Income before extraordinary items | $870,000 | 2,717 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $870,000 | 2,714 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $870,000 | 2,717 |
| Net charge-offs | $44,000 | 5,771 |
| Cash dividends | $485,000 | 2,053 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $870,000 | 2,667 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $5,702,000 | 2,954 |
| Total interest expense | $1,487,000 | 3,692 |
| Net interest income | $4,215,000 | 2,569 |
| Provision for loan and lease losses | $241,000 | 4,063 |
| Total noninterest income | $1,679,000 | 1,526 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $507,000 | 1,638 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,172,000 | 1,287 |
| Total noninterest expense | $4,767,000 | 2,118 |
| Salaries and employee benefits | $2,665,000 | 1,897 |
| Premises and equipment expense | $768,000 | 1,805 |
| Additional noninterest expense | $1,334,000 | 2,580 |
| Pre-tax net operating income | $886,000 | 2,325 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $261,000 | 1,685 |
| Income before extraordinary items | $625,000 | 2,698 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $625,000 | 2,695 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $625,000 | 2,697 |
| Net charge-offs | $41,000 | 5,092 |
| Cash dividends | $323,000 | 2,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $625,000 | 2,610 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $2,921,000 | 2,927 |
| Total interest expense | $775,000 | 3,694 |
| Net interest income | $2,146,000 | 2,523 |
| Provision for loan and lease losses | $166,000 | 3,092 |
| Total noninterest income | $767,000 | 1,596 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $239,000 | 1,692 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $528,000 | 1,342 |
| Total noninterest expense | $2,304,000 | 2,146 |
| Salaries and employee benefits | $1,334,000 | 1,927 |
| Premises and equipment expense | $406,000 | 1,738 |
| Additional noninterest expense | $564,000 | 2,703 |
| Pre-tax net operating income | $443,000 | 2,600 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $134,000 | 1,886 |
| Income before extraordinary items | $309,000 | 3,081 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $309,000 | 3,082 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $309,000 | 3,082 |
| Net charge-offs | $22,000 | 4,250 |
| Cash dividends | $162,000 | 1,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $309,000 | 2,928 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $12,882,000 | 2,850 |
| Total interest expense | $3,956,000 | 3,534 |
| Net interest income | $8,926,000 | 2,440 |
| Provision for loan and lease losses | $221,000 | 5,091 |
| Total noninterest income | $2,211,000 | 1,985 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,081,000 | 1,643 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,130,000 | 1,967 |
| Total noninterest expense | $9,102,000 | 2,114 |
| Salaries and employee benefits | $5,255,000 | 1,923 |
| Premises and equipment expense | $1,377,000 | 1,978 |
| Additional noninterest expense | $2,470,000 | 2,370 |
| Pre-tax net operating income | $1,814,000 | 2,657 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $538,000 | 1,775 |
| Income before extraordinary items | $1,276,000 | 2,798 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,276,000 | 2,798 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $295,000 | 3,550 |
| Cash dividends | $2,063,000 | 1,302 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,276,000 | 2,940 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $9,800,000 | 2,865 |
| Total interest expense | $3,133,000 | 3,519 |
| Net interest income | $6,667,000 | 2,475 |
| Provision for loan and lease losses | $135,000 | 4,747 |
| Total noninterest income | $1,876,000 | 1,861 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $815,000 | 1,645 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,061,000 | 1,729 |
| Total noninterest expense | $6,878,000 | 2,086 |
| Salaries and employee benefits | $3,979,000 | 1,944 |
| Premises and equipment expense | $1,070,000 | 1,908 |
| Additional noninterest expense | $1,829,000 | 2,334 |
| Pre-tax net operating income | $1,530,000 | 2,801 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $472,000 | 1,972 |
| Income before extraordinary items | $1,058,000 | 2,989 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,058,000 | 2,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,479 |
| Cash dividends | $1,713,000 | 1,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,058,000 | 3,140 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $6,605,000 | 2,883 |
| Total interest expense | $2,158,000 | 3,554 |
| Net interest income | $4,447,000 | 2,460 |
| Provision for loan and lease losses | $90,000 | 4,395 |
| Total noninterest income | $1,278,000 | 1,843 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $551,000 | 1,605 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $727,000 | 1,738 |
| Total noninterest expense | $4,587,000 | 2,102 |
| Salaries and employee benefits | $2,648,000 | 1,968 |
| Premises and equipment expense | $749,000 | 1,829 |
| Additional noninterest expense | $1,190,000 | 2,366 |
| Pre-tax net operating income | $1,048,000 | 2,854 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $324,000 | 2,125 |
| Income before extraordinary items | $724,000 | 3,258 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $724,000 | 3,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 3,708 |
| Cash dividends | $1,481,000 | 1,018 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $724,000 | 3,200 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,372,000 | 2,895 |
| Total interest expense | $1,091,000 | 3,686 |
| Net interest income | $2,281,000 | 2,400 |
| Provision for loan and lease losses | $45,000 | 3,899 |
| Total noninterest income | $611,000 | 1,927 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $268,000 | 1,619 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $343,000 | 1,812 |
| Total noninterest expense | $2,326,000 | 2,061 |
| Salaries and employee benefits | $1,350,000 | 1,947 |
| Premises and equipment expense | $353,000 | 1,933 |
| Additional noninterest expense | $623,000 | 2,248 |
| Pre-tax net operating income | $521,000 | 2,992 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $168,000 | 2,184 |
| Income before extraordinary items | $353,000 | 3,470 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $353,000 | 3,473 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 3,496 |
| Cash dividends | $201,000 | 2,297 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $353,000 | 3,371 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $13,823,000 | 2,892 |
| Total interest expense | $4,412,000 | 3,765 |
| Net interest income | $9,411,000 | 2,365 |
| Provision for loan and lease losses | $180,000 | 4,023 |
| Total noninterest income | $2,245,000 | 2,047 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,085,000 | 1,648 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,160,000 | 2,011 |
| Total noninterest expense | $8,650,000 | 2,130 |
| Salaries and employee benefits | $5,086,000 | 1,980 |
| Premises and equipment expense | $1,189,000 | 2,183 |
| Additional noninterest expense | $2,375,000 | 2,276 |
| Pre-tax net operating income | $2,826,000 | 2,576 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $961,000 | 1,912 |
| Income before extraordinary items | $1,865,000 | 2,977 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,865,000 | 2,976 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,564 |
| Cash dividends | $779,000 | 3,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,865,000 | 2,972 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $10,352,000 | 2,899 |
| Total interest expense | $3,311,000 | 3,771 |
| Net interest income | $7,041,000 | 2,385 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $1,589,000 | 2,129 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $800,000 | 1,652 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $789,000 | 2,142 |
| Total noninterest expense | $6,483,000 | 2,103 |
| Salaries and employee benefits | $3,805,000 | 1,981 |
| Premises and equipment expense | $884,000 | 2,181 |
| Additional noninterest expense | $1,794,000 | 2,218 |
| Pre-tax net operating income | $2,012,000 | 2,815 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $681,000 | 2,120 |
| Income before extraordinary items | $1,331,000 | 3,229 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,331,000 | 3,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,499 |
| Cash dividends | $514,000 | 2,885 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,331,000 | 3,218 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $6,858,000 | 2,940 |
| Total interest expense | $2,203,000 | 3,764 |
| Net interest income | $4,655,000 | 2,427 |
| Provision for loan and lease losses | $90,000 | 3,429 |
| Total noninterest income | $1,030,000 | 2,201 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $521,000 | 1,692 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $509,000 | 2,216 |
| Total noninterest expense | $4,362,000 | 2,112 |
| Salaries and employee benefits | $2,532,000 | 2,011 |
| Premises and equipment expense | $614,000 | 2,109 |
| Additional noninterest expense | $1,216,000 | 2,188 |
| Pre-tax net operating income | $1,233,000 | 3,060 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $414,000 | 2,332 |
| Income before extraordinary items | $819,000 | 3,469 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $819,000 | 3,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,767 |
| Cash dividends | $342,000 | 2,976 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $819,000 | 3,446 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,427,000 | 2,917 |
| Total interest expense | $1,101,000 | 3,762 |
| Net interest income | $2,326,000 | 2,435 |
| Provision for loan and lease losses | $45,000 | 3,197 |
| Total noninterest income | $437,000 | 2,411 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $251,000 | 1,710 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $186,000 | 2,657 |
| Total noninterest expense | $2,166,000 | 2,134 |
| Salaries and employee benefits | $1,287,000 | 1,997 |
| Premises and equipment expense | $310,000 | 2,104 |
| Additional noninterest expense | $569,000 | 2,299 |
| Pre-tax net operating income | $552,000 | 3,299 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $182,000 | 2,528 |
| Income before extraordinary items | $370,000 | 3,677 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $370,000 | 3,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $171,000 | 2,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $370,000 | 3,656 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,844,000 | 2,722 |
| Total interest expense | $4,093,000 | 3,538 |
| Net interest income | $9,751,000 | 2,337 |
| Provision for loan and lease losses | $180,000 | 3,697 |
| Total noninterest income | $2,037,000 | 2,193 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,040,000 | 1,698 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $997,000 | 2,231 |
| Total noninterest expense | $8,426,000 | 2,093 |
| Salaries and employee benefits | $4,869,000 | 2,003 |
| Premises and equipment expense | $1,267,000 | 1,983 |
| Additional noninterest expense | $2,290,000 | 2,272 |
| Pre-tax net operating income | $3,182,000 | 2,675 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,076,000 | 2,093 |
| Income before extraordinary items | $2,106,000 | 2,987 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,106,000 | 2,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,780 |
| Cash dividends | $778,000 | 3,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $2,106,000 | 2,983 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,312,000 | 2,719 |
| Total interest expense | $3,042,000 | 3,474 |
| Net interest income | $7,270,000 | 2,379 |
| Provision for loan and lease losses | $160,000 | 3,290 |
| Total noninterest income | $1,530,000 | 2,199 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $780,000 | 1,696 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $750,000 | 2,230 |
| Total noninterest expense | $6,293,000 | 2,101 |
| Salaries and employee benefits | $3,595,000 | 2,032 |
| Premises and equipment expense | $966,000 | 1,965 |
| Additional noninterest expense | $1,732,000 | 2,244 |
| Pre-tax net operating income | $2,347,000 | 2,797 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $844,000 | 2,125 |
| Income before extraordinary items | $1,503,000 | 3,201 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,503,000 | 3,202 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,183 |
| Cash dividends | $514,000 | 2,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,503,000 | 3,197 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,814,000 | 2,708 |
| Total interest expense | $1,989,000 | 3,395 |
| Net interest income | $4,825,000 | 2,398 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $1,056,000 | 2,139 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $503,000 | 1,734 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $553,000 | 2,077 |
| Total noninterest expense | $4,197,000 | 2,099 |
| Salaries and employee benefits | $2,367,000 | 2,065 |
| Premises and equipment expense | $667,000 | 1,886 |
| Additional noninterest expense | $1,163,000 | 2,237 |
| Pre-tax net operating income | $1,564,000 | 2,801 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $568,000 | 2,129 |
| Income before extraordinary items | $996,000 | 3,219 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $996,000 | 3,221 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,578 |
| Cash dividends | $342,000 | 2,928 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $996,000 | 3,214 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,316,000 | 2,726 |
| Total interest expense | $917,000 | 3,487 |
| Net interest income | $2,399,000 | 2,404 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $476,000 | 2,260 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $244,000 | 1,727 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $232,000 | 2,285 |
| Total noninterest expense | $2,063,000 | 2,146 |
| Salaries and employee benefits | $1,163,000 | 2,120 |
| Premises and equipment expense | $345,000 | 1,831 |
| Additional noninterest expense | $555,000 | 2,309 |
| Pre-tax net operating income | $752,000 | 2,824 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $271,000 | 2,144 |
| Income before extraordinary items | $481,000 | 3,268 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $481,000 | 3,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,205 |
| Cash dividends | $171,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $481,000 | 3,244 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $12,352,000 | 2,648 |
| Total interest expense | $2,939,000 | 3,390 |
| Net interest income | $9,413,000 | 2,346 |
| Provision for loan and lease losses | $240,000 | 3,239 |
| Total noninterest income | $2,045,000 | 2,172 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,000,000 | 1,733 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,045,000 | 2,149 |
| Total noninterest expense | $7,997,000 | 2,085 |
| Salaries and employee benefits | $4,530,000 | 2,029 |
| Premises and equipment expense | $1,287,000 | 1,880 |
| Additional noninterest expense | $2,180,000 | 2,298 |
| Pre-tax net operating income | $3,221,000 | 2,611 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,184,000 | 2,027 |
| Income before extraordinary items | $2,037,000 | 3,058 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,037,000 | 3,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,539 |
| Cash dividends | $746,000 | 2,975 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,037,000 | 3,019 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,111,000 | 2,626 |
| Total interest expense | $2,124,000 | 3,336 |
| Net interest income | $6,987,000 | 2,347 |
| Provision for loan and lease losses | $180,000 | 3,127 |
| Total noninterest income | $1,527,000 | 2,175 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $742,000 | 1,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $785,000 | 2,155 |
| Total noninterest expense | $5,957,000 | 2,080 |
| Salaries and employee benefits | $3,349,000 | 2,038 |
| Premises and equipment expense | $981,000 | 1,836 |
| Additional noninterest expense | $1,627,000 | 2,267 |
| Pre-tax net operating income | $2,377,000 | 2,674 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $874,000 | 2,074 |
| Income before extraordinary items | $1,503,000 | 3,126 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,503,000 | 3,127 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,476 |
| Cash dividends | $514,000 | 2,747 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,503,000 | 3,085 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,938,000 | 2,624 |
| Total interest expense | $1,376,000 | 3,271 |
| Net interest income | $4,562,000 | 2,376 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $975,000 | 2,217 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $484,000 | 1,733 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $491,000 | 2,213 |
| Total noninterest expense | $3,953,000 | 2,074 |
| Salaries and employee benefits | $2,233,000 | 2,027 |
| Premises and equipment expense | $673,000 | 1,777 |
| Additional noninterest expense | $1,047,000 | 2,329 |
| Pre-tax net operating income | $1,464,000 | 2,816 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $530,000 | 2,182 |
| Income before extraordinary items | $934,000 | 3,253 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $934,000 | 3,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,677 |
| Cash dividends | $342,000 | 2,749 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $934,000 | 3,209 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,881,000 | 2,668 |
| Total interest expense | $637,000 | 3,349 |
| Net interest income | $2,244,000 | 2,391 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $450,000 | 2,312 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $221,000 | 1,838 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $229,000 | 2,276 |
| Total noninterest expense | $1,925,000 | 2,149 |
| Salaries and employee benefits | $1,118,000 | 2,045 |
| Premises and equipment expense | $324,000 | 1,852 |
| Additional noninterest expense | $483,000 | 2,525 |
| Pre-tax net operating income | $709,000 | 2,827 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $269,000 | 2,147 |
| Income before extraordinary items | $440,000 | 3,374 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $440,000 | 3,375 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $156,000 | 2,495 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $440,000 | 3,339 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $10,887,000 | 2,613 |
| Total interest expense | $2,159,000 | 3,428 |
| Net interest income | $8,728,000 | 2,342 |
| Provision for loan and lease losses | $205,000 | 3,640 |
| Total noninterest income | $1,930,000 | 2,253 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,017,000 | 1,732 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $913,000 | 2,284 |
| Total noninterest expense | $7,882,000 | 2,031 |
| Salaries and employee benefits | $4,473,000 | 1,945 |
| Premises and equipment expense | $1,234,000 | 1,860 |
| Additional noninterest expense | $2,175,000 | 2,238 |
| Pre-tax net operating income | $2,571,000 | 2,945 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $972,000 | 2,202 |
| Income before extraordinary items | $1,599,000 | 3,471 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,599,000 | 3,471 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-75,000 | 8,748 |
| Cash dividends | $683,000 | 3,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,599,000 | 3,406 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,953,000 | 2,651 |
| Total interest expense | $1,561,000 | 3,493 |
| Net interest income | $6,392,000 | 2,367 |
| Provision for loan and lease losses | $130,000 | 3,854 |
| Total noninterest income | $1,367,000 | 2,354 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $762,000 | 1,742 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $605,000 | 2,489 |
| Total noninterest expense | $5,841,000 | 2,045 |
| Salaries and employee benefits | $3,314,000 | 1,970 |
| Premises and equipment expense | $956,000 | 1,813 |
| Additional noninterest expense | $1,571,000 | 2,297 |
| Pre-tax net operating income | $1,788,000 | 3,168 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $669,000 | 2,394 |
| Income before extraordinary items | $1,119,000 | 3,723 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,119,000 | 3,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,650 |
| Cash dividends | $467,000 | 2,822 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,119,000 | 3,644 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,167,000 | 2,702 |
| Total interest expense | $1,027,000 | 3,530 |
| Net interest income | $4,140,000 | 2,413 |
| Provision for loan and lease losses | $85,000 | 3,829 |
| Total noninterest income | $875,000 | 2,429 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $507,000 | 1,722 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $368,000 | 2,650 |
| Total noninterest expense | $3,908,000 | 2,035 |
| Salaries and employee benefits | $2,191,000 | 1,987 |
| Premises and equipment expense | $655,000 | 1,759 |
| Additional noninterest expense | $1,062,000 | 2,270 |
| Pre-tax net operating income | $1,022,000 | 3,480 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $376,000 | 2,670 |
| Income before extraordinary items | $646,000 | 4,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $646,000 | 4,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,574 |
| Cash dividends | $311,000 | 2,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $646,000 | 3,953 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,565,000 | 2,721 |
| Total interest expense | $519,000 | 3,519 |
| Net interest income | $2,046,000 | 2,438 |
| Provision for loan and lease losses | $40,000 | 3,725 |
| Total noninterest income | $434,000 | 2,405 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $247,000 | 1,716 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $187,000 | 2,589 |
| Total noninterest expense | $1,951,000 | 2,057 |
| Salaries and employee benefits | $1,103,000 | 1,998 |
| Premises and equipment expense | $343,000 | 1,701 |
| Additional noninterest expense | $505,000 | 2,341 |
| Pre-tax net operating income | $489,000 | 3,584 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $171,000 | 2,842 |
| Income before extraordinary items | $318,000 | 4,123 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $318,000 | 4,122 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $155,000 | 2,446 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $318,000 | 3,978 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,686,000 | 2,649 |
| Total interest expense | $2,452,000 | 3,383 |
| Net interest income | $8,234,000 | 2,371 |
| Provision for loan and lease losses | $220,000 | 3,843 |
| Total noninterest income | $1,940,000 | 2,368 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $888,000 | 1,944 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,052,000 | 2,314 |
| Total noninterest expense | $7,626,000 | 2,071 |
| Salaries and employee benefits | $4,234,000 | 2,012 |
| Premises and equipment expense | $1,279,000 | 1,780 |
| Additional noninterest expense | $2,113,000 | 2,290 |
| Pre-tax net operating income | $2,328,000 | 3,049 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $857,000 | 2,412 |
| Income before extraordinary items | $1,471,000 | 3,607 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,471,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,762 |
| Cash dividends | $673,000 | 3,004 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,471,000 | 3,450 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,017,000 | 2,687 |
| Total interest expense | $1,892,000 | 3,426 |
| Net interest income | $6,125,000 | 2,396 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $1,522,000 | 2,336 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $661,000 | 1,959 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $861,000 | 2,259 |
| Total noninterest expense | $5,556,000 | 2,133 |
| Salaries and employee benefits | $3,154,000 | 2,033 |
| Premises and equipment expense | $937,000 | 1,839 |
| Additional noninterest expense | $1,465,000 | 2,444 |
| Pre-tax net operating income | $1,911,000 | 2,938 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $692,000 | 2,409 |
| Income before extraordinary items | $1,219,000 | 3,460 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,219,000 | 3,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 3,610 |
| Cash dividends | $468,000 | 2,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,219,000 | 3,291 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,339,000 | 2,715 |
| Total interest expense | $1,313,000 | 3,415 |
| Net interest income | $4,026,000 | 2,416 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $984,000 | 2,382 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $417,000 | 2,016 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $567,000 | 2,259 |
| Total noninterest expense | $3,689,000 | 2,128 |
| Salaries and employee benefits | $2,112,000 | 2,015 |
| Premises and equipment expense | $633,000 | 1,793 |
| Additional noninterest expense | $944,000 | 2,502 |
| Pre-tax net operating income | $1,201,000 | 3,080 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $388,000 | 2,749 |
| Income before extraordinary items | $813,000 | 3,472 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $813,000 | 3,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,282 |
| Cash dividends | $311,000 | 2,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $813,000 | 3,281 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 2,757 |
| Total interest expense | $679,000 | 3,394 |
| Net interest income | $1,967,000 | 2,471 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $445,000 | 2,496 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $195,000 | 2,065 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $250,000 | 2,358 |
| Total noninterest expense | $1,809,000 | 2,168 |
| Salaries and employee benefits | $1,051,000 | 2,015 |
| Premises and equipment expense | $325,000 | 1,761 |
| Additional noninterest expense | $433,000 | 2,662 |
| Pre-tax net operating income | $543,000 | 3,309 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $173,000 | 2,947 |
| Income before extraordinary items | $370,000 | 3,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $370,000 | 3,666 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,659 |
| Cash dividends | $157,000 | 2,475 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $370,000 | 3,494 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $11,403,000 | 2,678 |
| Total interest expense | $3,445,000 | 3,150 |
| Net interest income | $7,958,000 | 2,412 |
| Provision for loan and lease losses | $276,000 | 3,633 |
| Total noninterest income | $1,614,000 | 2,501 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $801,000 | 1,990 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $813,000 | 2,476 |
| Total noninterest expense | $7,140,000 | 2,102 |
| Salaries and employee benefits | $3,961,000 | 2,017 |
| Premises and equipment expense | $1,256,000 | 1,758 |
| Additional noninterest expense | $1,923,000 | 2,396 |
| Pre-tax net operating income | $2,156,000 | 3,260 |
| Securities gains (losses) | $34,000 | 2,728 |
| Applicable income taxes | $628,000 | 3,043 |
| Income before extraordinary items | $1,562,000 | 3,399 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,562,000 | 3,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 4,073 |
| Cash dividends | $688,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,537,860 | 3,323 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,254,000 | 2,578 |
| Total interest expense | $5,159,000 | 3,071 |
| Net interest income | $8,095,000 | 2,220 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $999,000 | 3,340 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $760,000 | 1,992 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $239,000 | 4,574 |
| Total noninterest expense | $6,742,000 | 2,126 |
| Salaries and employee benefits | $3,773,000 | 1,992 |
| Premises and equipment expense | $1,303,000 | 1,655 |
| Additional noninterest expense | $1,666,000 | 2,627 |
| Pre-tax net operating income | $2,112,000 | 3,043 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $713,000 | 2,630 |
| Income before extraordinary items | $1,399,000 | 3,402 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,399,000 | 3,407 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $255,000 | 2,466 |
| Cash dividends | $623,000 | 3,064 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,399,000 | 3,306 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,098,000 | 3,114 |
| Total interest expense | $4,219,000 | 3,814 |
| Net interest income | $6,879,000 | 2,587 |
| Provision for loan and lease losses | $210,000 | 3,626 |
| Total noninterest income | $1,020,000 | 3,076 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $646,000 | 2,142 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $374,000 | 3,500 |
| Total noninterest expense | $5,692,000 | 2,402 |
| Salaries and employee benefits | $3,083,000 | 2,320 |
| Premises and equipment expense | $1,147,000 | 1,828 |
| Additional noninterest expense | $1,462,000 | 2,880 |
| Pre-tax net operating income | $1,997,000 | 3,328 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $681,000 | 2,848 |
| Income before extraordinary items | $1,316,000 | 3,605 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,316,000 | 3,605 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $166,000 | 2,702 |
| Cash dividends | $519,000 | 3,480 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,316,000 | 3,590 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,344,000 | 3,761 |
| Total interest expense | $3,241,000 | 4,315 |
| Net interest income | $5,103,000 | 3,393 |
| Provision for loan and lease losses | $133,000 | 4,539 |
| Total noninterest income | $934,000 | 3,252 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $482,000 | 2,718 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $452,000 | 3,155 |
| Total noninterest expense | $4,447,000 | 3,016 |
| Salaries and employee benefits | $2,355,000 | 2,978 |
| Premises and equipment expense | $821,000 | 2,473 |
| Additional noninterest expense | $1,271,000 | 3,273 |
| Pre-tax net operating income | $1,457,000 | 4,181 |
| Securities gains (losses) | $5,000 | 2,145 |
| Applicable income taxes | $500,000 | 3,642 |
| Income before extraordinary items | $962,000 | 4,540 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $962,000 | 4,541 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 3,890 |
| Cash dividends | $422,000 | 3,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $958,700 | 4,510 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,484,000 | 3,716 |
| Total interest expense | $3,450,000 | 4,189 |
| Net interest income | $5,034,000 | 3,363 |
| Provision for loan and lease losses | $502,000 | 1,710 |
| Total noninterest income | $770,000 | 3,726 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $444,000 | 2,855 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $326,000 | 3,841 |
| Total noninterest expense | $4,568,000 | 2,835 |
| Salaries and employee benefits | $2,126,000 | 3,155 |
| Premises and equipment expense | $819,000 | 2,394 |
| Additional noninterest expense | $1,623,000 | 2,582 |
| Pre-tax net operating income | $734,000 | 6,362 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $256,000 | 5,584 |
| Income before extraordinary items | $478,000 | 6,738 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $478,000 | 6,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $445,000 | 1,387 |
| Cash dividends | $478,000 | 3,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $478,000 | 6,632 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,131,000 | 3,915 |
| Total interest expense | $3,240,000 | 4,409 |
| Net interest income | $4,891,000 | 3,563 |
| Provision for loan and lease losses | $76,000 | 5,749 |
| Total noninterest income | $958,000 | 3,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $486,000 | 2,698 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $472,000 | 2,945 |
| Total noninterest expense | $4,103,000 | 3,104 |
| Salaries and employee benefits | $2,079,000 | 3,187 |
| Premises and equipment expense | $745,000 | 2,588 |
| Additional noninterest expense | $1,279,000 | 3,157 |
| Pre-tax net operating income | $1,670,000 | 4,095 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $603,000 | 3,651 |
| Income before extraordinary items | $1,068,000 | 4,455 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,068,000 | 4,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 4,026 |
| Cash dividends | $561,000 | 3,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,067,360 | 4,400 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $8,012,000 | 4,026 |
| Total interest expense | $3,288,000 | 4,419 |
| Net interest income | $4,724,000 | 3,736 |
| Provision for loan and lease losses | $246,000 | 2,968 |
| Total noninterest income | $826,000 | 3,617 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $451,000 | 2,999 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $375,000 | 3,522 |
| Total noninterest expense | $3,680,000 | 3,597 |
| Salaries and employee benefits | $1,939,000 | 3,430 |
| Premises and equipment expense | $578,000 | 3,333 |
| Additional noninterest expense | $1,163,000 | 3,886 |
| Pre-tax net operating income | $1,624,000 | 4,081 |
| Securities gains (losses) | $16,000 | 2,154 |
| Applicable income taxes | $583,000 | 3,676 |
| Income before extraordinary items | $1,057,000 | 4,283 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,057,000 | 4,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 3,244 |
| Cash dividends | $446,000 | 3,681 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,046,760 | 4,263 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,691,000 | 4,159 |
| Total interest expense | $3,011,000 | 4,739 |
| Net interest income | $4,680,000 | 3,750 |
| Provision for loan and lease losses | $175,000 | 3,337 |
| Total noninterest income | $614,000 | 4,487 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $405,000 | 3,325 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $209,000 | 5,004 |
| Total noninterest expense | $3,549,000 | 3,696 |
| Salaries and employee benefits | $1,821,000 | 3,608 |
| Premises and equipment expense | $469,000 | 3,959 |
| Additional noninterest expense | $1,259,000 | 3,591 |
| Pre-tax net operating income | $1,570,000 | 4,295 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $569,000 | 3,799 |
| Income before extraordinary items | $1,001,000 | 4,625 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,001,000 | 4,624 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,323 |
| Cash dividends | $381,000 | 3,992 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,001,000 | 4,594 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,131,000 | 4,152 |
| Total interest expense | $2,539,000 | 4,587 |
| Net interest income | $4,592,000 | 3,845 |
| Provision for loan and lease losses | $410,000 | 1,789 |
| Total noninterest income | $557,000 | 4,914 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $366,000 | 3,686 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $191,000 | 5,424 |
| Total noninterest expense | $3,654,000 | 3,702 |
| Salaries and employee benefits | $1,786,000 | 3,648 |
| Premises and equipment expense | $438,000 | 4,256 |
| Additional noninterest expense | $1,430,000 | 3,465 |
| Pre-tax net operating income | $1,085,000 | 5,625 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $374,000 | 5,013 |
| Income before extraordinary items | $711,000 | 5,847 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $711,000 | 5,864 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $635,000 | 1,162 |
| Cash dividends | $82,000 | 7,266 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $711,000 | 5,909 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $7,397,000 | 4,096 |
| Total interest expense | $2,720,000 | 4,483 |
| Net interest income | $4,677,000 | 3,798 |
| Provision for loan and lease losses | $832,000 | 1,475 |
| Total noninterest income | $815,000 | 3,934 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $369,000 | 3,706 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $446,000 | 3,513 |
| Total noninterest expense | $4,063,000 | 3,444 |
| Salaries and employee benefits | $1,663,000 | 3,893 |
| Premises and equipment expense | $418,000 | 4,549 |
| Additional noninterest expense | $1,982,000 | 2,757 |
| Pre-tax net operating income | $597,000 | 7,966 |
| Securities gains (losses) | $7,000 | 5,826 |
| Applicable income taxes | $191,000 | 7,790 |
| Income before extraordinary items | $413,000 | 8,302 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $413,000 | 8,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,205,000 | 1,007 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $408,240 | 8,071 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,588,000 | 4,023 |
| Total interest expense | $3,897,000 | 4,177 |
| Net interest income | $4,691,000 | 3,855 |
| Provision for loan and lease losses | $3,382,000 | 767 |
| Total noninterest income | $583,000 | 5,066 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $412,000 | 3,369 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 6,197 |
| Total noninterest expense | $4,179,000 | 3,369 |
| Salaries and employee benefits | $1,526,000 | 4,168 |
| Premises and equipment expense | $376,000 | 5,045 |
| Additional noninterest expense | $2,277,000 | 2,515 |
| Pre-tax net operating income | $-2,287,000 | 13,667 |
| Securities gains (losses) | $36,000 | 4,684 |
| Applicable income taxes | $-775,000 | 13,805 |
| Income before extraordinary items | $-1,476,000 | 13,615 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-1,476,000 | 13,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,007,000 | 734 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-1,499,760 | 13,563 |
* 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.