Home > Consolidated Bank and Trust Company > Income and Expense
Consolidated Bank and Trust Company, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $863,000 | 5,610 |
| Total interest expense | $78,000 | 6,796 |
| Net interest income | $785,000 | 5,222 |
| Provision for loan and lease losses | $60,000 | 3,936 |
| Total noninterest income | $93,000 | 5,033 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $74,000 | 3,590 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 5,847 |
| Total noninterest expense | $682,000 | 5,225 |
| Salaries and employee benefits | $270,000 | 5,835 |
| Premises and equipment expense | $102,000 | 4,658 |
| Additional noninterest expense | $310,000 | 4,444 |
| Pre-tax net operating income | $136,000 | 4,762 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $46,000 | 2,886 |
| Income before extraordinary items | $90,000 | 5,151 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $90,000 | 5,149 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $90,000 | 5,151 |
| Net charge-offs | $10,000 | 4,385 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $90,000 | 5,087 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $4,033,000 | 5,377 |
| Total interest expense | $327,000 | 6,984 |
| Net interest income | $3,706,000 | 4,794 |
| Provision for loan and lease losses | $167,000 | 5,539 |
| Total noninterest income | $427,000 | 4,847 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $336,000 | 3,427 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $91,000 | 5,550 |
| Total noninterest expense | $2,637,000 | 5,371 |
| Salaries and employee benefits | $1,064,000 | 5,902 |
| Premises and equipment expense | $475,000 | 4,319 |
| Additional noninterest expense | $1,098,000 | 4,840 |
| Pre-tax net operating income | $1,329,000 | 2,913 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $451,000 | 1,990 |
| Income before extraordinary items | $878,000 | 3,466 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $878,000 | 3,463 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $878,000 | 3,466 |
| Net charge-offs | $-24,000 | 7,519 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $878,000 | 3,342 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,064,000 | 5,446 |
| Total interest expense | $241,000 | 7,132 |
| Net interest income | $2,823,000 | 4,820 |
| Provision for loan and lease losses | $137,000 | 5,354 |
| Total noninterest income | $304,000 | 5,028 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $254,000 | 3,472 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $50,000 | 5,979 |
| Total noninterest expense | $2,001,000 | 5,364 |
| Salaries and employee benefits | $810,000 | 5,928 |
| Premises and equipment expense | $364,000 | 4,325 |
| Additional noninterest expense | $827,000 | 4,826 |
| Pre-tax net operating income | $989,000 | 3,112 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $336,000 | 2,036 |
| Income before extraordinary items | $653,000 | 3,634 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $653,000 | 3,632 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $653,000 | 3,634 |
| Net charge-offs | $-19,000 | 7,542 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $653,000 | 3,503 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,034,000 | 5,509 |
| Total interest expense | $153,000 | 7,256 |
| Net interest income | $1,881,000 | 4,831 |
| Provision for loan and lease losses | $60,000 | 5,595 |
| Total noninterest income | $201,000 | 5,026 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $169,000 | 3,477 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $32,000 | 6,086 |
| Total noninterest expense | $1,327,000 | 5,399 |
| Salaries and employee benefits | $549,000 | 5,938 |
| Premises and equipment expense | $247,000 | 4,299 |
| Additional noninterest expense | $531,000 | 4,926 |
| Pre-tax net operating income | $695,000 | 3,044 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $236,000 | 1,971 |
| Income before extraordinary items | $459,000 | 3,550 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $459,000 | 3,547 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $459,000 | 3,549 |
| Net charge-offs | $-16,000 | 7,556 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $459,000 | 3,444 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,045,000 | 5,504 |
| Total interest expense | $71,000 | 7,427 |
| Net interest income | $974,000 | 4,756 |
| Provision for loan and lease losses | $30,000 | 5,300 |
| Total noninterest income | $101,000 | 5,028 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $89,000 | 3,372 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $12,000 | 6,461 |
| Total noninterest expense | $674,000 | 5,417 |
| Salaries and employee benefits | $292,000 | 5,884 |
| Premises and equipment expense | $114,000 | 4,601 |
| Additional noninterest expense | $268,000 | 4,915 |
| Pre-tax net operating income | $371,000 | 2,954 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $126,000 | 1,895 |
| Income before extraordinary items | $245,000 | 3,533 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $245,000 | 3,529 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $245,000 | 3,532 |
| Net charge-offs | $-9,000 | 7,459 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $245,000 | 3,403 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $1,244,000 | 7,573 |
| Total interest expense | $75,000 | 7,927 |
| Net interest income | $1,169,000 | 7,266 |
| Provision for loan and lease losses | $50,000 | 6,827 |
| Total noninterest income | $87,000 | 7,093 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $76,000 | 6,081 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $11,000 | 7,168 |
| Total noninterest expense | $760,000 | 7,661 |
| Salaries and employee benefits | $328,000 | 7,756 |
| Premises and equipment expense | $147,000 | 6,966 |
| Additional noninterest expense | $285,000 | 7,481 |
| Pre-tax net operating income | $446,000 | 4,118 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $152,000 | 2,592 |
| Income before extraordinary items | $294,000 | 4,492 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $294,000 | 4,492 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $294,000 | 4,493 |
| Net charge-offs | $-3,000 | 7,786 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $294,000 | 4,424 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,316,000 | 5,531 |
| Total interest expense | $603,000 | 6,597 |
| Net interest income | $2,713,000 | 4,884 |
| Provision for loan and lease losses | $645,000 | 3,419 |
| Total noninterest income | $308,000 | 5,144 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $259,000 | 3,622 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $49,000 | 6,248 |
| Total noninterest expense | $2,926,000 | 4,424 |
| Salaries and employee benefits | $1,256,000 | 4,900 |
| Premises and equipment expense | $404,000 | 4,240 |
| Additional noninterest expense | $1,266,000 | 3,732 |
| Pre-tax net operating income | $-550,000 | 6,373 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-187,000 | 7,082 |
| Income before extraordinary items | $-363,000 | 6,297 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-363,000 | 6,298 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-363,000 | 6,297 |
| Net charge-offs | $71,000 | 5,390 |
| Cash dividends | $75,000 | 3,750 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-363,000 | 6,290 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,199,000 | 5,598 |
| Total interest expense | $426,000 | 6,589 |
| Net interest income | $1,773,000 | 4,926 |
| Provision for loan and lease losses | $630,000 | 2,630 |
| Total noninterest income | $199,000 | 5,232 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $169,000 | 3,647 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $30,000 | 6,402 |
| Total noninterest expense | $1,830,000 | 4,636 |
| Salaries and employee benefits | $871,000 | 4,846 |
| Premises and equipment expense | $271,000 | 4,234 |
| Additional noninterest expense | $688,000 | 4,316 |
| Pre-tax net operating income | $-488,000 | 6,628 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-166,000 | 7,268 |
| Income before extraordinary items | $-322,000 | 6,563 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-322,000 | 6,563 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-322,000 | 6,563 |
| Net charge-offs | $59,000 | 4,771 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-322,000 | 6,556 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,110,000 | 5,623 |
| Total interest expense | $229,000 | 6,567 |
| Net interest income | $881,000 | 4,936 |
| Provision for loan and lease losses | $615,000 | 1,572 |
| Total noninterest income | $104,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $89,000 | 3,480 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $15,000 | 6,478 |
| Total noninterest expense | $918,000 | 4,552 |
| Salaries and employee benefits | $450,000 | 4,789 |
| Premises and equipment expense | $141,000 | 4,156 |
| Additional noninterest expense | $327,000 | 4,143 |
| Pre-tax net operating income | $-548,000 | 7,373 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-186,000 | 7,691 |
| Income before extraordinary items | $-362,000 | 7,287 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-362,000 | 7,288 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-362,000 | 7,288 |
| Net charge-offs | $50,000 | 3,538 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-362,000 | 7,245 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,329,000 | 5,283 |
| Total interest expense | $1,341,000 | 6,203 |
| Net interest income | $3,988,000 | 4,583 |
| Provision for loan and lease losses | $295,000 | 4,660 |
| Total noninterest income | $401,000 | 5,267 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $340,000 | 3,781 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $61,000 | 6,550 |
| Total noninterest expense | $4,073,000 | 4,181 |
| Salaries and employee benefits | $1,859,000 | 4,693 |
| Premises and equipment expense | $572,000 | 4,093 |
| Additional noninterest expense | $1,642,000 | 3,393 |
| Pre-tax net operating income | $21,000 | 6,245 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $2,000 | 4,800 |
| Income before extraordinary items | $19,000 | 6,144 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $19,000 | 6,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $197,000 | 4,109 |
| Cash dividends | $300,000 | 4,048 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $19,000 | 6,288 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,049,000 | 5,314 |
| Total interest expense | $1,051,000 | 6,222 |
| Net interest income | $2,998,000 | 4,618 |
| Provision for loan and lease losses | $41,000 | 6,079 |
| Total noninterest income | $296,000 | 5,393 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $250,000 | 3,847 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $46,000 | 6,702 |
| Total noninterest expense | $3,000,000 | 4,221 |
| Salaries and employee benefits | $1,430,000 | 4,627 |
| Premises and equipment expense | $428,000 | 4,089 |
| Additional noninterest expense | $1,142,000 | 3,510 |
| Pre-tax net operating income | $253,000 | 5,825 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $82,000 | 3,758 |
| Income before extraordinary items | $171,000 | 5,845 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $171,000 | 5,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 3,252 |
| Cash dividends | $300,000 | 3,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $171,000 | 6,018 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,681,000 | 5,401 |
| Total interest expense | $738,000 | 6,251 |
| Net interest income | $1,943,000 | 4,712 |
| Provision for loan and lease losses | $26,000 | 5,799 |
| Total noninterest income | $191,000 | 5,524 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $178,000 | 3,715 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $13,000 | 7,530 |
| Total noninterest expense | $1,952,000 | 4,317 |
| Salaries and employee benefits | $903,000 | 4,836 |
| Premises and equipment expense | $307,000 | 3,902 |
| Additional noninterest expense | $742,000 | 3,556 |
| Pre-tax net operating income | $156,000 | 6,082 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $50,000 | 4,059 |
| Income before extraordinary items | $106,000 | 6,294 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $106,000 | 6,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $267,000 | 1,909 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $106,000 | 6,234 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,341,000 | 5,491 |
| Total interest expense | $385,000 | 6,322 |
| Net interest income | $956,000 | 4,770 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $103,000 | 5,360 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $83,000 | 3,819 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $20,000 | 6,458 |
| Total noninterest expense | $960,000 | 4,361 |
| Salaries and employee benefits | $450,000 | 4,887 |
| Premises and equipment expense | $173,000 | 3,598 |
| Additional noninterest expense | $337,000 | 3,774 |
| Pre-tax net operating income | $84,000 | 6,196 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $27,000 | 4,129 |
| Income before extraordinary items | $57,000 | 6,472 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $57,000 | 6,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,393 |
| Cash dividends | $300,000 | 1,850 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $57,000 | 6,376 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,768,000 | 5,352 |
| Total interest expense | $1,674,000 | 6,208 |
| Net interest income | $4,094,000 | 4,559 |
| Provision for loan and lease losses | $-40,000 | 8,295 |
| Total noninterest income | $385,000 | 5,569 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $353,000 | 3,762 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $32,000 | 7,491 |
| Total noninterest expense | $4,088,000 | 4,047 |
| Salaries and employee benefits | $1,849,000 | 4,656 |
| Premises and equipment expense | $552,000 | 4,076 |
| Additional noninterest expense | $1,687,000 | 3,104 |
| Pre-tax net operating income | $431,000 | 6,188 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-329,000 | 8,226 |
| Income before extraordinary items | $760,000 | 4,895 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $760,000 | 4,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-120,000 | 8,406 |
| Cash dividends | $100,000 | 5,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $760,000 | 4,870 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,275,000 | 5,398 |
| Total interest expense | $1,240,000 | 6,262 |
| Net interest income | $3,035,000 | 4,611 |
| Provision for loan and lease losses | $10,000 | 6,151 |
| Total noninterest income | $284,000 | 5,646 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $266,000 | 3,757 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $18,000 | 7,737 |
| Total noninterest expense | $3,103,000 | 3,991 |
| Salaries and employee benefits | $1,340,000 | 4,741 |
| Premises and equipment expense | $413,000 | 4,067 |
| Additional noninterest expense | $1,350,000 | 2,876 |
| Pre-tax net operating income | $206,000 | 6,941 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $61,000 | 4,819 |
| Income before extraordinary items | $145,000 | 7,055 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $145,000 | 7,053 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,329 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $145,000 | 7,045 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,779,000 | 5,483 |
| Total interest expense | $768,000 | 6,434 |
| Net interest income | $2,011,000 | 4,645 |
| Provision for loan and lease losses | $10,000 | 5,732 |
| Total noninterest income | $178,000 | 5,812 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $175,000 | 3,780 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $3,000 | 8,264 |
| Total noninterest expense | $2,061,000 | 4,044 |
| Salaries and employee benefits | $888,000 | 4,805 |
| Premises and equipment expense | $287,000 | 3,960 |
| Additional noninterest expense | $886,000 | 2,921 |
| Pre-tax net operating income | $118,000 | 7,150 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $33,000 | 5,052 |
| Income before extraordinary items | $85,000 | 7,219 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $85,000 | 7,220 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,154 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $85,000 | 7,215 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,385,000 | 5,498 |
| Total interest expense | $364,000 | 6,557 |
| Net interest income | $1,021,000 | 4,629 |
| Provision for loan and lease losses | $10,000 | 5,012 |
| Total noninterest income | $67,000 | 6,329 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $91,000 | 3,638 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-24,000 | 8,618 |
| Total noninterest expense | $1,044,000 | 4,004 |
| Salaries and employee benefits | $440,000 | 4,851 |
| Premises and equipment expense | $146,000 | 3,924 |
| Additional noninterest expense | $458,000 | 2,809 |
| Pre-tax net operating income | $34,000 | 7,497 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $12,000 | 5,224 |
| Income before extraordinary items | $22,000 | 7,590 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $22,000 | 7,589 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,166 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $22,000 | 7,573 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,034,000 | 5,537 |
| Total interest expense | $1,038,000 | 6,871 |
| Net interest income | $3,996,000 | 4,663 |
| Provision for loan and lease losses | $-482,000 | 8,596 |
| Total noninterest income | $536,000 | 4,982 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $383,000 | 3,616 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $153,000 | 5,584 |
| Total noninterest expense | $3,881,000 | 4,074 |
| Salaries and employee benefits | $1,777,000 | 4,656 |
| Premises and equipment expense | $598,000 | 3,777 |
| Additional noninterest expense | $1,506,000 | 3,278 |
| Pre-tax net operating income | $1,133,000 | 4,913 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $348,000 | 3,597 |
| Income before extraordinary items | $785,000 | 5,255 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $785,000 | 5,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-85,000 | 8,469 |
| Cash dividends | $500,000 | 3,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $785,000 | 5,253 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,631,000 | 5,650 |
| Total interest expense | $733,000 | 6,973 |
| Net interest income | $2,898,000 | 4,790 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $426,000 | 4,877 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $287,000 | 3,656 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $139,000 | 5,268 |
| Total noninterest expense | $2,859,000 | 4,122 |
| Salaries and employee benefits | $1,342,000 | 4,607 |
| Premises and equipment expense | $438,000 | 3,854 |
| Additional noninterest expense | $1,079,000 | 3,401 |
| Pre-tax net operating income | $465,000 | 6,366 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $121,000 | 4,734 |
| Income before extraordinary items | $344,000 | 6,481 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $344,000 | 6,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-62,000 | 8,408 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $344,000 | 6,488 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,258,000 | 5,803 |
| Total interest expense | $478,000 | 6,941 |
| Net interest income | $1,780,000 | 5,066 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $227,000 | 5,353 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $192,000 | 3,637 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 6,919 |
| Total noninterest expense | $1,896,000 | 4,145 |
| Salaries and employee benefits | $903,000 | 4,610 |
| Premises and equipment expense | $291,000 | 3,855 |
| Additional noninterest expense | $702,000 | 3,466 |
| Pre-tax net operating income | $111,000 | 7,625 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $38,000 | 5,424 |
| Income before extraordinary items | $73,000 | 7,739 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $73,000 | 7,740 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-45,000 | 8,391 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $73,000 | 7,745 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,077,000 | 5,899 |
| Total interest expense | $210,000 | 7,143 |
| Net interest income | $867,000 | 5,153 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $121,000 | 5,193 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $102,000 | 3,438 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $19,000 | 6,791 |
| Total noninterest expense | $962,000 | 4,118 |
| Salaries and employee benefits | $457,000 | 4,584 |
| Premises and equipment expense | $151,000 | 3,771 |
| Additional noninterest expense | $354,000 | 3,430 |
| Pre-tax net operating income | $26,000 | 7,977 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $17,000 | 8,024 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $17,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 8,116 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $17,000 | 8,022 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,701,000 | 7,718 |
| Total interest expense | $313,000 | 8,149 |
| Net interest income | $1,388,000 | 7,437 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $218,000 | 6,929 |
| Gross Fiduciary activities income | $1,000 | 1,485 |
| Service charges on deposit accounts | $189,000 | 5,154 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $28,000 | 7,911 |
| Total noninterest expense | $1,669,000 | 6,610 |
| Salaries and employee benefits | $685,000 | 7,324 |
| Premises and equipment expense | $243,000 | 6,288 |
| Additional noninterest expense | $741,000 | 5,428 |
| Pre-tax net operating income | $-63,000 | 8,310 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $-21,000 | 8,497 |
| Income before extraordinary items | $-42,000 | 8,327 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-42,000 | 8,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,882 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-42,000 | 8,301 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $635,000 | 8,484 |
| Total interest expense | $106,000 | 8,586 |
| Net interest income | $529,000 | 8,373 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $97,000 | 7,713 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $82,000 | 6,199 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 8,169 |
| Total noninterest expense | $644,000 | 7,970 |
| Salaries and employee benefits | $291,000 | 8,224 |
| Premises and equipment expense | $73,000 | 7,911 |
| Additional noninterest expense | $280,000 | 7,239 |
| Pre-tax net operating income | $-18,000 | 8,356 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $-6,000 | 8,582 |
| Income before extraordinary items | $-12,000 | 8,359 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-12,000 | 8,360 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,528 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $-12,000 | 8,333 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,821,000 | 6,009 |
| Total interest expense | $292,000 | 7,240 |
| Net interest income | $1,529,000 | 5,447 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $293,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $224,000 | 3,249 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $69,000 | 5,906 |
| Total noninterest expense | $1,932,000 | 3,920 |
| Salaries and employee benefits | $756,000 | 4,994 |
| Premises and equipment expense | $256,000 | 4,076 |
| Additional noninterest expense | $920,000 | 2,641 |
| Pre-tax net operating income | $-110,000 | 8,498 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $-103,000 | 8,516 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-103,000 | 8,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-82,000 | 8,619 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-110,000 | 8,498 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $902,000 | 6,040 |
| Total interest expense | $141,000 | 7,278 |
| Net interest income | $761,000 | 5,492 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $150,000 | 4,711 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $115,000 | 3,135 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $35,000 | 5,892 |
| Total noninterest expense | $955,000 | 3,982 |
| Salaries and employee benefits | $392,000 | 4,915 |
| Premises and equipment expense | $125,000 | 4,196 |
| Additional noninterest expense | $438,000 | 2,767 |
| Pre-tax net operating income | $-44,000 | 8,564 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $-37,000 | 8,568 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-37,000 | 8,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,291 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-44,000 | 8,562 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,607,000 | 5,882 |
| Total interest expense | $616,000 | 6,889 |
| Net interest income | $2,991,000 | 5,426 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $790,000 | 4,087 |
| Gross Fiduciary activities income | $5,000 | 1,406 |
| Service charges on deposit accounts | $562,000 | 2,851 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $223,000 | 4,886 |
| Total noninterest expense | $4,118,000 | 3,648 |
| Salaries and employee benefits | $1,775,000 | 4,379 |
| Premises and equipment expense | $607,000 | 3,499 |
| Additional noninterest expense | $1,736,000 | 2,753 |
| Pre-tax net operating income | $-337,000 | 8,590 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $-334,000 | 8,642 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-334,000 | 8,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,736 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $119,000 | 639 |
| Net operating income | $-337,000 | 8,616 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 5,881 |
| Total interest expense | $478,000 | 6,807 |
| Net interest income | $2,222,000 | 5,437 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $618,000 | 4,002 |
| Gross Fiduciary activities income | $5,000 | 1,342 |
| Service charges on deposit accounts | $421,000 | 2,880 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $192,000 | 4,583 |
| Total noninterest expense | $3,114,000 | 3,598 |
| Salaries and employee benefits | $1,437,000 | 4,095 |
| Premises and equipment expense | $464,000 | 3,463 |
| Additional noninterest expense | $1,213,000 | 2,904 |
| Pre-tax net operating income | $-274,000 | 8,684 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $-271,000 | 8,722 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-271,000 | 8,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-36,000 | 8,578 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 470 |
| Net operating income | $-274,000 | 8,701 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,797,000 | 5,891 |
| Total interest expense | $343,000 | 6,663 |
| Net interest income | $1,454,000 | 5,499 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $445,000 | 3,846 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $297,000 | 2,735 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $148,000 | 4,323 |
| Total noninterest expense | $2,087,000 | 3,617 |
| Salaries and employee benefits | $989,000 | 4,015 |
| Premises and equipment expense | $331,000 | 3,278 |
| Additional noninterest expense | $767,000 | 3,057 |
| Pre-tax net operating income | $-188,000 | 8,761 |
| Securities gains (losses) | $3,000 | 2,926 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $-185,000 | 8,783 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-185,000 | 8,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-91,000 | 8,869 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 366 |
| Net operating income | $-188,000 | 8,758 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $930,000 | 5,820 |
| Total interest expense | $188,000 | 6,500 |
| Net interest income | $742,000 | 5,446 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $255,000 | 3,477 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $151,000 | 2,665 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $104,000 | 3,624 |
| Total noninterest expense | $1,200,000 | 3,224 |
| Salaries and employee benefits | $596,000 | 3,484 |
| Premises and equipment expense | $175,000 | 3,162 |
| Additional noninterest expense | $429,000 | 2,718 |
| Pre-tax net operating income | $-203,000 | 8,911 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $-200,000 | 8,942 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-200,000 | 8,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 8,435 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $150,000 | 221 |
| Net operating income | $-203,000 | 8,914 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,248,000 | 5,428 |
| Total interest expense | $1,084,000 | 5,879 |
| Net interest income | $3,164,000 | 5,135 |
| Provision for loan and lease losses | $170,000 | 4,359 |
| Total noninterest income | $1,041,000 | 3,639 |
| Gross Fiduciary activities income | $85,000 | 992 |
| Service charges on deposit accounts | $684,000 | 2,406 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $272,000 | 4,688 |
| Total noninterest expense | $5,280,000 | 2,927 |
| Salaries and employee benefits | $2,659,000 | 3,099 |
| Premises and equipment expense | $682,000 | 3,146 |
| Additional noninterest expense | $1,939,000 | 2,485 |
| Pre-tax net operating income | $-1,245,000 | 9,013 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $120,000 | 5,530 |
| Income before extraordinary items | $-1,365,000 | 9,079 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,365,000 | 9,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,282 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $378,000 | 524 |
| Net operating income | $-1,365,000 | 9,035 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,281,000 | 5,404 |
| Total interest expense | $889,000 | 5,756 |
| Net interest income | $2,392,000 | 5,132 |
| Provision for loan and lease losses | $148,000 | 3,953 |
| Total noninterest income | $667,000 | 4,042 |
| Gross Fiduciary activities income | $50,000 | 1,034 |
| Service charges on deposit accounts | $539,000 | 2,325 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $78,000 | 6,505 |
| Total noninterest expense | $4,001,000 | 2,905 |
| Salaries and employee benefits | $2,117,000 | 2,933 |
| Premises and equipment expense | $512,000 | 3,156 |
| Additional noninterest expense | $1,372,000 | 2,588 |
| Pre-tax net operating income | $-1,090,000 | 9,091 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $-1,090,000 | 9,133 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,090,000 | 9,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 2,223 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $353,000 | 393 |
| Net operating income | $-1,090,000 | 9,090 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,236,000 | 5,349 |
| Total interest expense | $631,000 | 5,671 |
| Net interest income | $1,605,000 | 5,104 |
| Provision for loan and lease losses | $-18,000 | 9,118 |
| Total noninterest income | $455,000 | 3,954 |
| Gross Fiduciary activities income | $33,000 | 1,041 |
| Service charges on deposit accounts | $363,000 | 2,273 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $59,000 | 6,287 |
| Total noninterest expense | $2,698,000 | 2,865 |
| Salaries and employee benefits | $1,456,000 | 2,857 |
| Premises and equipment expense | $305,000 | 3,435 |
| Additional noninterest expense | $937,000 | 2,519 |
| Pre-tax net operating income | $-620,000 | 9,108 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $-620,000 | 9,158 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-620,000 | 9,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $276,000 | 1,321 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $353,000 | 283 |
| Net operating income | $-620,000 | 9,107 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,131,000 | 5,340 |
| Total interest expense | $325,000 | 5,693 |
| Net interest income | $806,000 | 5,071 |
| Provision for loan and lease losses | $287,000 | 1,000 |
| Total noninterest income | $218,000 | 3,951 |
| Gross Fiduciary activities income | $17,000 | 1,042 |
| Service charges on deposit accounts | $176,000 | 2,262 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $25,000 | 6,569 |
| Total noninterest expense | $1,336,000 | 2,867 |
| Salaries and employee benefits | $716,000 | 2,898 |
| Premises and equipment expense | $149,000 | 3,507 |
| Additional noninterest expense | $471,000 | 2,473 |
| Pre-tax net operating income | $-599,000 | 9,224 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $-599,000 | 9,260 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-599,000 | 9,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $145,000 | 1,151 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $343,000 | 163 |
| Net operating income | $-599,000 | 9,222 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,403,000 | 4,356 |
| Total interest expense | $1,633,000 | 5,464 |
| Net interest income | $4,770,000 | 3,803 |
| Provision for loan and lease losses | $1,746,000 | 839 |
| Total noninterest income | $896,000 | 3,717 |
| Gross Fiduciary activities income | $60,000 | 1,081 |
| Service charges on deposit accounts | $745,000 | 2,134 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $91,000 | 6,629 |
| Total noninterest expense | $6,319,000 | 2,356 |
| Salaries and employee benefits | $3,139,000 | 2,517 |
| Premises and equipment expense | $625,000 | 3,294 |
| Additional noninterest expense | $2,555,000 | 1,819 |
| Pre-tax net operating income | $-2,399,000 | 9,267 |
| Securities gains (losses) | $117,000 | 1,602 |
| Applicable income taxes | $427,000 | 3,756 |
| Income before extraordinary items | $-2,709,000 | 9,304 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-2,709,000 | 9,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,290,000 | 524 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $-2,826,000 | 9,283 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,114,000 | 3,978 |
| Total interest expense | $3,029,000 | 4,696 |
| Net interest income | $5,085,000 | 3,393 |
| Provision for loan and lease losses | $1,631,000 | 840 |
| Total noninterest income | $915,000 | 3,545 |
| Gross Fiduciary activities income | $3,000 | 1,597 |
| Service charges on deposit accounts | $837,000 | 1,822 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $75,000 | 7,000 |
| Total noninterest expense | $5,977,000 | 2,385 |
| Salaries and employee benefits | $3,092,000 | 2,431 |
| Premises and equipment expense | $752,000 | 2,783 |
| Additional noninterest expense | $2,133,000 | 2,106 |
| Pre-tax net operating income | $-1,608,000 | 9,452 |
| Securities gains (losses) | $-2,000 | 9,092 |
| Applicable income taxes | $-675,000 | 9,526 |
| Income before extraordinary items | $-935,000 | 9,402 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-935,000 | 9,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $688,000 | 1,233 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $-933,720 | 9,370 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,402,000 | 3,976 |
| Total interest expense | $3,134,000 | 4,748 |
| Net interest income | $5,268,000 | 3,318 |
| Provision for loan and lease losses | $657,000 | 1,489 |
| Total noninterest income | $1,156,000 | 2,844 |
| Gross Fiduciary activities income | $7,000 | 1,241 |
| Service charges on deposit accounts | $900,000 | 1,522 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $249,000 | 4,305 |
| Total noninterest expense | $5,525,000 | 2,474 |
| Salaries and employee benefits | $2,948,000 | 2,430 |
| Premises and equipment expense | $808,000 | 2,550 |
| Additional noninterest expense | $1,769,000 | 2,426 |
| Pre-tax net operating income | $242,000 | 8,175 |
| Securities gains (losses) | $-34,000 | 9,005 |
| Applicable income taxes | $51,000 | 7,210 |
| Income before extraordinary items | $157,000 | 8,370 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $157,000 | 8,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,495 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $182,500 | 8,189 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,239,000 | 3,803 |
| Total interest expense | $3,137,000 | 4,434 |
| Net interest income | $5,102,000 | 3,395 |
| Provision for loan and lease losses | $1,309,000 | 788 |
| Total noninterest income | $1,111,000 | 2,865 |
| Gross Fiduciary activities income | $55,000 | 1,089 |
| Service charges on deposit accounts | $933,000 | 1,395 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $123,000 | 6,110 |
| Total noninterest expense | $5,783,000 | 2,350 |
| Salaries and employee benefits | $3,009,000 | 2,339 |
| Premises and equipment expense | $826,000 | 2,456 |
| Additional noninterest expense | $1,948,000 | 2,247 |
| Pre-tax net operating income | $-879,000 | 10,033 |
| Securities gains (losses) | $-11,000 | 9,339 |
| Applicable income taxes | $-244,000 | 10,065 |
| Income before extraordinary items | $-646,000 | 9,980 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-646,000 | 9,980 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,233,000 | 618 |
| Cash dividends | $24,000 | 6,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-637,970 | 9,961 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $8,443,000 | 3,738 |
| Total interest expense | $3,206,000 | 4,471 |
| Net interest income | $5,237,000 | 3,252 |
| Provision for loan and lease losses | $997,000 | 978 |
| Total noninterest income | $1,203,000 | 2,683 |
| Gross Fiduciary activities income | $6,000 | 1,327 |
| Service charges on deposit accounts | $936,000 | 1,334 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $261,000 | 4,317 |
| Total noninterest expense | $5,407,000 | 2,412 |
| Salaries and employee benefits | $2,750,000 | 2,459 |
| Premises and equipment expense | $867,000 | 2,245 |
| Additional noninterest expense | $1,790,000 | 2,334 |
| Pre-tax net operating income | $36,000 | 9,669 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $44,000 | 9,655 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $44,000 | 9,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $973,000 | 765 |
| Cash dividends | $73,000 | 6,604 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $36,000 | 9,633 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,865,000 | 4,034 |
| Total interest expense | $3,011,000 | 4,696 |
| Net interest income | $4,854,000 | 3,589 |
| Provision for loan and lease losses | $75,000 | 5,767 |
| Total noninterest income | $1,172,000 | 2,681 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $919,000 | 1,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $253,000 | 4,333 |
| Total noninterest expense | $5,110,000 | 2,513 |
| Salaries and employee benefits | $2,692,000 | 2,466 |
| Premises and equipment expense | $764,000 | 2,526 |
| Additional noninterest expense | $1,654,000 | 2,490 |
| Pre-tax net operating income | $841,000 | 6,359 |
| Securities gains (losses) | $4,000 | 2,936 |
| Applicable income taxes | $284,000 | 5,875 |
| Income before extraordinary items | $561,000 | 6,591 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $561,000 | 6,593 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $142,000 | 3,135 |
| Cash dividends | $155,000 | 5,831 |
| Sale, conversion, retirement of capital stock, net | $1,344,000 | 422 |
| Net operating income | $558,360 | 6,559 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,381,000 | 4,360 |
| Total interest expense | $2,805,000 | 5,064 |
| Net interest income | $4,576,000 | 3,843 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $934,000 | 3,306 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $763,000 | 1,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,587 |
| Total noninterest expense | $4,811,000 | 2,841 |
| Salaries and employee benefits | $2,569,000 | 2,612 |
| Premises and equipment expense | $755,000 | 2,589 |
| Additional noninterest expense | $1,487,000 | 3,148 |
| Pre-tax net operating income | $699,000 | 6,939 |
| Securities gains (losses) | $10,000 | 2,493 |
| Applicable income taxes | $161,000 | 7,713 |
| Income before extraordinary items | $548,000 | 6,567 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $548,000 | 6,570 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 10,644 |
| Cash dividends | $131,000 | 6,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $540,300 | 6,560 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,117,000 | 4,488 |
| Total interest expense | $2,732,000 | 5,173 |
| Net interest income | $4,385,000 | 3,997 |
| Provision for loan and lease losses | $55,000 | 6,005 |
| Total noninterest income | $881,000 | 3,414 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $673,000 | 2,005 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $208,000 | 5,016 |
| Total noninterest expense | $4,488,000 | 2,996 |
| Salaries and employee benefits | $2,403,000 | 2,777 |
| Premises and equipment expense | $695,000 | 2,827 |
| Additional noninterest expense | $1,390,000 | 3,294 |
| Pre-tax net operating income | $723,000 | 7,207 |
| Securities gains (losses) | $-6,000 | 9,789 |
| Applicable income taxes | $141,000 | 8,433 |
| Income before extraordinary items | $576,000 | 6,747 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $576,000 | 6,746 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $208,000 | 2,431 |
| Cash dividends | $131,000 | 6,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $580,800 | 6,713 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,431,000 | 4,559 |
| Total interest expense | $2,334,000 | 4,926 |
| Net interest income | $4,097,000 | 4,282 |
| Provision for loan and lease losses | $156,000 | 3,523 |
| Total noninterest income | $831,000 | 3,597 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $647,000 | 2,094 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $184,000 | 5,544 |
| Total noninterest expense | $4,226,000 | 3,245 |
| Salaries and employee benefits | $2,326,000 | 2,845 |
| Premises and equipment expense | $662,000 | 2,978 |
| Additional noninterest expense | $1,238,000 | 3,947 |
| Pre-tax net operating income | $546,000 | 8,343 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $100,000 | 9,363 |
| Income before extraordinary items | $449,000 | 7,723 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $449,000 | 7,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $140,000 | 3,098 |
| Cash dividends | $111,000 | 6,682 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,118 |
| Net operating income | $446,540 | 7,799 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,576,000 | 4,569 |
| Total interest expense | $2,333,000 | 5,102 |
| Net interest income | $4,243,000 | 4,170 |
| Provision for loan and lease losses | $391,000 | 2,504 |
| Total noninterest income | $697,000 | 4,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $567,000 | 2,430 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 7,013 |
| Total noninterest expense | $4,160,000 | 3,364 |
| Salaries and employee benefits | $2,324,000 | 2,835 |
| Premises and equipment expense | $664,000 | 3,022 |
| Additional noninterest expense | $1,172,000 | 4,280 |
| Pre-tax net operating income | $389,000 | 9,492 |
| Securities gains (losses) | $26,000 | 4,293 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $415,000 | 8,285 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $415,000 | 8,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $375,000 | 2,153 |
| Cash dividends | $80,000 | 7,275 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 997 |
| Net operating income | $389,000 | 8,281 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $7,489,000 | 4,558 |
| Total interest expense | $3,076,000 | 5,055 |
| Net interest income | $4,413,000 | 4,075 |
| Provision for loan and lease losses | $491,000 | 3,045 |
| Total noninterest income | $685,000 | 4,476 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $573,000 | 2,409 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $112,000 | 7,695 |
| Total noninterest expense | $4,210,000 | 3,342 |
| Salaries and employee benefits | $2,397,000 | 2,707 |
| Premises and equipment expense | $646,000 | 3,134 |
| Additional noninterest expense | $1,167,000 | 4,456 |
| Pre-tax net operating income | $395,000 | 9,290 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $-84,000 | 13,561 |
| Income before extraordinary items | $480,000 | 7,502 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $480,000 | 7,597 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $423,000 | 2,733 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $69,000 | 888 |
| Net operating income | $479,000 | 7,132 |
* 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.