Home > Downers Grove National Bank > Income and Expense
Downers Grove National Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $9,642,000 | 3,049 |
| Total interest expense | $2,003,000 | 3,564 |
| Net interest income | $7,639,000 | 2,847 |
| Provision for loan and lease losses | $10,988,000 | 619 |
| Total noninterest income | $1,685,000 | 2,333 |
| Gross Fiduciary activities income | $874,000 | 425 |
| Service charges on deposit accounts | $322,000 | 3,492 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $489,000 | 3,226 |
| Total noninterest expense | $8,834,000 | 2,196 |
| Salaries and employee benefits | $4,105,000 | 2,351 |
| Premises and equipment expense | $851,000 | 2,831 |
| Additional noninterest expense | $3,878,000 | 1,857 |
| Pre-tax net operating income | $-10,498,000 | 7,371 |
| Securities gains (losses) | $2,000 | 3,620 |
| Applicable income taxes | $1,393,000 | 950 |
| Income before extraordinary items | $-11,889,000 | 7,418 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-11,889,000 | 7,418 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-11,889,000 | 7,418 |
| Net charge-offs | $10,088,000 | 609 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-11,891,000 | 7,411 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $7,573,000 | 2,996 |
| Total interest expense | $1,641,000 | 3,461 |
| Net interest income | $5,932,000 | 2,779 |
| Provision for loan and lease losses | $8,606,000 | 569 |
| Total noninterest income | $1,268,000 | 2,347 |
| Gross Fiduciary activities income | $655,000 | 424 |
| Service charges on deposit accounts | $248,000 | 3,510 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $365,000 | 3,242 |
| Total noninterest expense | $6,488,000 | 2,237 |
| Salaries and employee benefits | $3,082,000 | 2,357 |
| Premises and equipment expense | $619,000 | 2,957 |
| Additional noninterest expense | $2,787,000 | 1,876 |
| Pre-tax net operating income | $-7,894,000 | 7,504 |
| Securities gains (losses) | $2,000 | 3,465 |
| Applicable income taxes | $-277,000 | 7,268 |
| Income before extraordinary items | $-7,615,000 | 7,529 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-7,615,000 | 7,529 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-7,615,000 | 7,529 |
| Net charge-offs | $7,706,000 | 575 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-7,616,920 | 7,518 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $5,227,000 | 2,930 |
| Total interest expense | $1,178,000 | 3,353 |
| Net interest income | $4,049,000 | 2,726 |
| Provision for loan and lease losses | $6,058,000 | 542 |
| Total noninterest income | $817,000 | 2,339 |
| Gross Fiduciary activities income | $430,000 | 434 |
| Service charges on deposit accounts | $165,000 | 3,524 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $222,000 | 3,332 |
| Total noninterest expense | $4,256,000 | 2,276 |
| Salaries and employee benefits | $2,076,000 | 2,353 |
| Premises and equipment expense | $413,000 | 2,986 |
| Additional noninterest expense | $1,767,000 | 1,955 |
| Pre-tax net operating income | $-5,448,000 | 7,574 |
| Securities gains (losses) | $2,000 | 2,979 |
| Applicable income taxes | $-1,527,000 | 7,665 |
| Income before extraordinary items | $-3,919,000 | 7,518 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,919,000 | 7,518 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-3,919,000 | 7,519 |
| Net charge-offs | $2,308,000 | 1,018 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-3,920,440 | 7,514 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 2,978 |
| Total interest expense | $647,000 | 3,245 |
| Net interest income | $1,973,000 | 2,813 |
| Provision for loan and lease losses | $3,830,000 | 470 |
| Total noninterest income | $635,000 | 1,712 |
| Gross Fiduciary activities income | $217,000 | 436 |
| Service charges on deposit accounts | $83,000 | 3,526 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $335,000 | 1,715 |
| Total noninterest expense | $2,071,000 | 2,359 |
| Salaries and employee benefits | $1,052,000 | 2,341 |
| Premises and equipment expense | $213,000 | 2,978 |
| Additional noninterest expense | $806,000 | 2,106 |
| Pre-tax net operating income | $-3,293,000 | 7,710 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-1,527,000 | 7,836 |
| Income before extraordinary items | $-1,766,000 | 7,616 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,766,000 | 7,618 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,766,000 | 7,618 |
| Net charge-offs | $81,000 | 3,299 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,766,000 | 7,611 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $13,272,000 | 2,508 |
| Total interest expense | $3,497,000 | 3,060 |
| Net interest income | $9,775,000 | 2,232 |
| Provision for loan and lease losses | $12,207,000 | 731 |
| Total noninterest income | $948,000 | 3,445 |
| Gross Fiduciary activities income | $881,000 | 415 |
| Service charges on deposit accounts | $374,000 | 3,454 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-307,000 | 7,738 |
| Total noninterest expense | $8,917,000 | 2,226 |
| Salaries and employee benefits | $4,339,000 | 2,267 |
| Premises and equipment expense | $905,000 | 2,804 |
| Additional noninterest expense | $3,673,000 | 1,992 |
| Pre-tax net operating income | $-10,401,000 | 7,499 |
| Securities gains (losses) | $6,000 | 3,400 |
| Applicable income taxes | $-3,678,000 | 7,676 |
| Income before extraordinary items | $-6,717,000 | 7,412 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,717,000 | 7,411 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,717,000 | 7,411 |
| Net charge-offs | $9,347,000 | 721 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-6,720,900 | 7,424 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,240,000 | 2,489 |
| Total interest expense | $2,730,000 | 3,072 |
| Net interest income | $7,510,000 | 2,187 |
| Provision for loan and lease losses | $5,570,000 | 974 |
| Total noninterest income | $918,000 | 2,989 |
| Gross Fiduciary activities income | $648,000 | 417 |
| Service charges on deposit accounts | $276,000 | 3,483 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-6,000 | 7,655 |
| Total noninterest expense | $6,645,000 | 2,240 |
| Salaries and employee benefits | $3,272,000 | 2,278 |
| Premises and equipment expense | $668,000 | 2,887 |
| Additional noninterest expense | $2,705,000 | 1,950 |
| Pre-tax net operating income | $-3,787,000 | 7,391 |
| Securities gains (losses) | $6,000 | 3,115 |
| Applicable income taxes | $-250,000 | 7,154 |
| Income before extraordinary items | $-3,531,000 | 7,436 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,531,000 | 7,435 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,531,000 | 7,436 |
| Net charge-offs | $2,549,000 | 1,304 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-3,536,580 | 7,446 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $6,941,000 | 2,475 |
| Total interest expense | $1,879,000 | 3,118 |
| Net interest income | $5,062,000 | 2,157 |
| Provision for loan and lease losses | $1,800,000 | 1,498 |
| Total noninterest income | $610,000 | 3,013 |
| Gross Fiduciary activities income | $431,000 | 420 |
| Service charges on deposit accounts | $178,000 | 3,541 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,000 | 7,675 |
| Total noninterest expense | $4,477,000 | 2,243 |
| Salaries and employee benefits | $2,193,000 | 2,305 |
| Premises and equipment expense | $447,000 | 2,912 |
| Additional noninterest expense | $1,837,000 | 1,943 |
| Pre-tax net operating income | $-605,000 | 6,730 |
| Securities gains (losses) | $6,000 | 2,720 |
| Applicable income taxes | $-250,000 | 7,369 |
| Income before extraordinary items | $-349,000 | 6,594 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-349,000 | 6,594 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-349,000 | 6,594 |
| Net charge-offs | $652,000 | 2,051 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-352,840 | 6,583 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 2,496 |
| Total interest expense | $972,000 | 3,123 |
| Net interest income | $2,504,000 | 2,196 |
| Provision for loan and lease losses | $700,000 | 1,458 |
| Total noninterest income | $410,000 | 2,467 |
| Gross Fiduciary activities income | $213,000 | 428 |
| Service charges on deposit accounts | $87,000 | 3,531 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $110,000 | 3,505 |
| Total noninterest expense | $2,165,000 | 2,257 |
| Salaries and employee benefits | $1,098,000 | 2,330 |
| Premises and equipment expense | $230,000 | 2,880 |
| Additional noninterest expense | $837,000 | 1,913 |
| Pre-tax net operating income | $49,000 | 5,649 |
| Securities gains (losses) | $4,000 | 2,106 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $53,000 | 5,631 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $53,000 | 5,634 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $53,000 | 5,634 |
| Net charge-offs | $157,000 | 2,366 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $49,000 | 5,533 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $14,685,000 | 2,515 |
| Total interest expense | $4,667,000 | 3,148 |
| Net interest income | $10,018,000 | 2,222 |
| Provision for loan and lease losses | $2,180,000 | 1,704 |
| Total noninterest income | $1,611,000 | 2,489 |
| Gross Fiduciary activities income | $953,000 | 418 |
| Service charges on deposit accounts | $356,000 | 3,685 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $302,000 | 4,088 |
| Total noninterest expense | $8,243,000 | 2,318 |
| Salaries and employee benefits | $4,665,000 | 2,180 |
| Premises and equipment expense | $1,026,000 | 2,563 |
| Additional noninterest expense | $2,552,000 | 2,303 |
| Pre-tax net operating income | $1,206,000 | 3,405 |
| Securities gains (losses) | $5,000 | 2,760 |
| Applicable income taxes | $286,000 | 2,456 |
| Income before extraordinary items | $925,000 | 3,429 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $925,000 | 3,429 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $937,000 | 2,028 |
| Cash dividends | $480,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $921,200 | 3,585 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,012,000 | 2,570 |
| Total interest expense | $3,554,000 | 3,212 |
| Net interest income | $7,458,000 | 2,244 |
| Provision for loan and lease losses | $1,730,000 | 1,306 |
| Total noninterest income | $1,268,000 | 2,481 |
| Gross Fiduciary activities income | $706,000 | 429 |
| Service charges on deposit accounts | $256,000 | 3,799 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $306,000 | 3,657 |
| Total noninterest expense | $6,382,000 | 2,242 |
| Salaries and employee benefits | $3,442,000 | 2,241 |
| Premises and equipment expense | $766,000 | 2,590 |
| Additional noninterest expense | $2,174,000 | 2,002 |
| Pre-tax net operating income | $614,000 | 4,611 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $140,000 | 3,293 |
| Income before extraordinary items | $479,000 | 4,518 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $479,000 | 4,516 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $524,000 | 1,914 |
| Cash dividends | $480,000 | 2,801 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $475,150 | 4,685 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,368,000 | 2,590 |
| Total interest expense | $2,508,000 | 3,176 |
| Net interest income | $4,860,000 | 2,269 |
| Provision for loan and lease losses | $400,000 | 2,155 |
| Total noninterest income | $840,000 | 2,528 |
| Gross Fiduciary activities income | $478,000 | 434 |
| Service charges on deposit accounts | $161,000 | 3,926 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $201,000 | 3,753 |
| Total noninterest expense | $3,986,000 | 2,380 |
| Salaries and employee benefits | $2,340,000 | 2,220 |
| Premises and equipment expense | $495,000 | 2,660 |
| Additional noninterest expense | $1,151,000 | 2,428 |
| Pre-tax net operating income | $1,314,000 | 2,452 |
| Securities gains (losses) | $2,000 | 2,957 |
| Applicable income taxes | $416,000 | 1,828 |
| Income before extraordinary items | $900,000 | 2,801 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $900,000 | 2,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $279,000 | 1,865 |
| Cash dividends | $480,000 | 2,344 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $898,640 | 2,752 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,875,000 | 2,534 |
| Total interest expense | $1,365,000 | 3,126 |
| Net interest income | $2,510,000 | 2,203 |
| Provision for loan and lease losses | $150,000 | 2,123 |
| Total noninterest income | $418,000 | 2,523 |
| Gross Fiduciary activities income | $242,000 | 426 |
| Service charges on deposit accounts | $78,000 | 3,924 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $98,000 | 3,804 |
| Total noninterest expense | $1,955,000 | 2,420 |
| Salaries and employee benefits | $1,196,000 | 2,198 |
| Premises and equipment expense | $241,000 | 2,732 |
| Additional noninterest expense | $518,000 | 2,638 |
| Pre-tax net operating income | $823,000 | 2,093 |
| Securities gains (losses) | $2,000 | 2,447 |
| Applicable income taxes | $275,000 | 1,572 |
| Income before extraordinary items | $550,000 | 2,489 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $550,000 | 2,491 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,013 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $548,660 | 2,420 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $18,463,000 | 2,228 |
| Total interest expense | $6,537,000 | 2,792 |
| Net interest income | $11,926,000 | 1,899 |
| Provision for loan and lease losses | $870,000 | 1,584 |
| Total noninterest income | $1,548,000 | 2,650 |
| Gross Fiduciary activities income | $1,083,000 | 399 |
| Service charges on deposit accounts | $276,000 | 4,259 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $189,000 | 5,183 |
| Total noninterest expense | $8,404,000 | 2,186 |
| Salaries and employee benefits | $5,045,000 | 1,989 |
| Premises and equipment expense | $999,000 | 2,573 |
| Additional noninterest expense | $2,360,000 | 2,291 |
| Pre-tax net operating income | $4,200,000 | 1,898 |
| Securities gains (losses) | $7,000 | 1,467 |
| Applicable income taxes | $1,447,000 | 1,443 |
| Income before extraordinary items | $2,760,000 | 2,185 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,760,000 | 2,184 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $679,000 | 1,362 |
| Cash dividends | $1,285,000 | 2,249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,755,380 | 2,172 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,945,000 | 2,218 |
| Total interest expense | $4,869,000 | 2,807 |
| Net interest income | $9,076,000 | 1,879 |
| Provision for loan and lease losses | $700,000 | 1,201 |
| Total noninterest income | $1,122,000 | 2,700 |
| Gross Fiduciary activities income | $825,000 | 391 |
| Service charges on deposit accounts | $200,000 | 4,340 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $97,000 | 5,858 |
| Total noninterest expense | $6,394,000 | 2,128 |
| Salaries and employee benefits | $3,817,000 | 1,973 |
| Premises and equipment expense | $757,000 | 2,542 |
| Additional noninterest expense | $1,820,000 | 2,191 |
| Pre-tax net operating income | $3,104,000 | 2,041 |
| Securities gains (losses) | $7,000 | 1,103 |
| Applicable income taxes | $1,080,000 | 1,552 |
| Income before extraordinary items | $2,031,000 | 2,338 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,031,000 | 2,336 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $691,000 | 850 |
| Cash dividends | $665,000 | 2,543 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,026,450 | 2,322 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,262,000 | 2,250 |
| Total interest expense | $3,159,000 | 2,874 |
| Net interest income | $6,103,000 | 1,890 |
| Provision for loan and lease losses | $450,000 | 1,118 |
| Total noninterest income | $665,000 | 2,933 |
| Gross Fiduciary activities income | $561,000 | 392 |
| Service charges on deposit accounts | $129,000 | 4,409 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $-25,000 | 8,579 |
| Total noninterest expense | $4,287,000 | 2,143 |
| Salaries and employee benefits | $2,575,000 | 1,975 |
| Premises and equipment expense | $519,000 | 2,492 |
| Additional noninterest expense | $1,193,000 | 2,221 |
| Pre-tax net operating income | $2,031,000 | 2,128 |
| Securities gains (losses) | $5,000 | 1,010 |
| Applicable income taxes | $700,000 | 1,657 |
| Income before extraordinary items | $1,336,000 | 2,422 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,336,000 | 2,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $473,000 | 733 |
| Cash dividends | $665,000 | 2,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,332,700 | 2,412 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,534,000 | 2,282 |
| Total interest expense | $1,535,000 | 2,925 |
| Net interest income | $2,999,000 | 1,919 |
| Provision for loan and lease losses | $150,000 | 1,427 |
| Total noninterest income | $193,000 | 4,109 |
| Gross Fiduciary activities income | $270,000 | 405 |
| Service charges on deposit accounts | $64,000 | 4,392 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $-141,000 | 8,644 |
| Total noninterest expense | $2,154,000 | 2,149 |
| Salaries and employee benefits | $1,286,000 | 2,000 |
| Premises and equipment expense | $275,000 | 2,375 |
| Additional noninterest expense | $593,000 | 2,218 |
| Pre-tax net operating income | $888,000 | 2,367 |
| Securities gains (losses) | $5,000 | 805 |
| Applicable income taxes | $307,000 | 1,827 |
| Income before extraordinary items | $586,000 | 2,680 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $586,000 | 2,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,212 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $582,700 | 2,684 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,620,000 | 2,214 |
| Total interest expense | $5,696,000 | 2,705 |
| Net interest income | $11,924,000 | 1,949 |
| Provision for loan and lease losses | $500,000 | 1,903 |
| Total noninterest income | $1,874,000 | 2,336 |
| Gross Fiduciary activities income | $1,085,000 | 378 |
| Service charges on deposit accounts | $267,000 | 4,358 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $522,000 | 3,259 |
| Total noninterest expense | $8,516,000 | 2,068 |
| Salaries and employee benefits | $5,166,000 | 1,887 |
| Premises and equipment expense | $1,039,000 | 2,378 |
| Additional noninterest expense | $2,311,000 | 2,252 |
| Pre-tax net operating income | $4,782,000 | 1,968 |
| Securities gains (losses) | $5,000 | 1,264 |
| Applicable income taxes | $1,705,000 | 1,495 |
| Income before extraordinary items | $3,082,000 | 2,230 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,082,000 | 2,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $310,000 | 1,630 |
| Cash dividends | $1,236,000 | 2,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,078,800 | 2,219 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,940,000 | 2,246 |
| Total interest expense | $4,093,000 | 2,720 |
| Net interest income | $8,847,000 | 1,986 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $1,402,000 | 2,338 |
| Gross Fiduciary activities income | $829,000 | 369 |
| Service charges on deposit accounts | $202,000 | 4,365 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $371,000 | 3,331 |
| Total noninterest expense | $6,431,000 | 2,052 |
| Salaries and employee benefits | $3,892,000 | 1,875 |
| Premises and equipment expense | $784,000 | 2,376 |
| Additional noninterest expense | $1,755,000 | 2,221 |
| Pre-tax net operating income | $3,593,000 | 2,013 |
| Securities gains (losses) | $5,000 | 1,041 |
| Applicable income taxes | $1,273,000 | 1,576 |
| Income before extraordinary items | $2,325,000 | 2,286 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,325,000 | 2,289 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $94,000 | 2,407 |
| Cash dividends | $616,000 | 2,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,321,750 | 2,277 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,337,000 | 2,283 |
| Total interest expense | $2,626,000 | 2,709 |
| Net interest income | $5,711,000 | 2,053 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $941,000 | 2,313 |
| Gross Fiduciary activities income | $570,000 | 369 |
| Service charges on deposit accounts | $130,000 | 4,426 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $241,000 | 3,390 |
| Total noninterest expense | $4,304,000 | 2,041 |
| Salaries and employee benefits | $2,572,000 | 1,900 |
| Premises and equipment expense | $521,000 | 2,381 |
| Additional noninterest expense | $1,211,000 | 2,147 |
| Pre-tax net operating income | $2,198,000 | 2,155 |
| Securities gains (losses) | $1,000 | 1,053 |
| Applicable income taxes | $764,000 | 1,726 |
| Income before extraordinary items | $1,435,000 | 2,425 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,435,000 | 2,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,463 |
| Cash dividends | $616,000 | 2,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,434,350 | 2,410 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,146,000 | 2,256 |
| Total interest expense | $1,283,000 | 2,661 |
| Net interest income | $2,863,000 | 2,025 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $462,000 | 2,307 |
| Gross Fiduciary activities income | $293,000 | 364 |
| Service charges on deposit accounts | $62,000 | 4,465 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $107,000 | 3,600 |
| Total noninterest expense | $2,098,000 | 2,107 |
| Salaries and employee benefits | $1,278,000 | 1,923 |
| Premises and equipment expense | $267,000 | 2,333 |
| Additional noninterest expense | $553,000 | 2,324 |
| Pre-tax net operating income | $1,152,000 | 2,054 |
| Securities gains (losses) | $1,000 | 856 |
| Applicable income taxes | $410,000 | 1,625 |
| Income before extraordinary items | $743,000 | 2,346 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $743,000 | 2,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $742,360 | 2,322 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $15,145,000 | 2,196 |
| Total interest expense | $4,157,000 | 2,569 |
| Net interest income | $10,988,000 | 2,014 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $2,002,000 | 2,209 |
| Gross Fiduciary activities income | $1,167,000 | 368 |
| Service charges on deposit accounts | $278,000 | 4,359 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $557,000 | 3,192 |
| Total noninterest expense | $8,224,000 | 2,030 |
| Salaries and employee benefits | $4,923,000 | 1,885 |
| Premises and equipment expense | $1,016,000 | 2,335 |
| Additional noninterest expense | $2,285,000 | 2,191 |
| Pre-tax net operating income | $4,466,000 | 2,040 |
| Securities gains (losses) | $1,000 | 2,117 |
| Applicable income taxes | $1,551,000 | 1,667 |
| Income before extraordinary items | $2,916,000 | 2,308 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,916,000 | 2,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 3,103 |
| Cash dividends | $1,252,000 | 2,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,915,350 | 2,274 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,978,000 | 2,216 |
| Total interest expense | $2,930,000 | 2,587 |
| Net interest income | $8,048,000 | 2,055 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,479,000 | 2,229 |
| Gross Fiduciary activities income | $868,000 | 361 |
| Service charges on deposit accounts | $210,000 | 4,361 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $401,000 | 3,278 |
| Total noninterest expense | $6,080,000 | 2,038 |
| Salaries and employee benefits | $3,657,000 | 1,884 |
| Premises and equipment expense | $745,000 | 2,360 |
| Additional noninterest expense | $1,678,000 | 2,204 |
| Pre-tax net operating income | $3,222,000 | 2,111 |
| Securities gains (losses) | $1,000 | 2,135 |
| Applicable income taxes | $1,109,000 | 1,747 |
| Income before extraordinary items | $2,114,000 | 2,387 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,114,000 | 2,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $129,000 | 2,209 |
| Cash dividends | $626,000 | 2,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,113,340 | 2,357 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,089,000 | 2,229 |
| Total interest expense | $1,826,000 | 2,601 |
| Net interest income | $5,263,000 | 2,067 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $987,000 | 2,192 |
| Gross Fiduciary activities income | $580,000 | 362 |
| Service charges on deposit accounts | $143,000 | 4,261 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $264,000 | 3,293 |
| Total noninterest expense | $4,111,000 | 2,007 |
| Salaries and employee benefits | $2,508,000 | 1,825 |
| Premises and equipment expense | $491,000 | 2,365 |
| Additional noninterest expense | $1,112,000 | 2,204 |
| Pre-tax net operating income | $1,989,000 | 2,200 |
| Securities gains (losses) | $1,000 | 1,973 |
| Applicable income taxes | $670,000 | 1,847 |
| Income before extraordinary items | $1,320,000 | 2,454 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,320,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 2,562 |
| Cash dividends | $626,000 | 1,879 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,319,340 | 2,425 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,370,000 | 2,285 |
| Total interest expense | $832,000 | 2,693 |
| Net interest income | $2,538,000 | 2,131 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $518,000 | 2,084 |
| Gross Fiduciary activities income | $307,000 | 353 |
| Service charges on deposit accounts | $78,000 | 3,986 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $133,000 | 3,203 |
| Total noninterest expense | $2,031,000 | 2,035 |
| Salaries and employee benefits | $1,238,000 | 1,854 |
| Premises and equipment expense | $242,000 | 2,421 |
| Additional noninterest expense | $551,000 | 2,218 |
| Pre-tax net operating income | $950,000 | 2,259 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $317,000 | 1,903 |
| Income before extraordinary items | $633,000 | 2,500 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $633,000 | 2,501 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 1,689 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $633,000 | 2,464 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,022,000 | 2,388 |
| Total interest expense | $2,555,000 | 2,998 |
| Net interest income | $9,467,000 | 2,155 |
| Provision for loan and lease losses | $1,775,000 | 609 |
| Total noninterest income | $1,935,000 | 2,249 |
| Gross Fiduciary activities income | $1,050,000 | 365 |
| Service charges on deposit accounts | $352,000 | 3,921 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $533,000 | 3,201 |
| Total noninterest expense | $7,753,000 | 2,060 |
| Salaries and employee benefits | $4,732,000 | 1,857 |
| Premises and equipment expense | $987,000 | 2,318 |
| Additional noninterest expense | $2,034,000 | 2,386 |
| Pre-tax net operating income | $1,874,000 | 3,675 |
| Securities gains (losses) | $127,000 | 1,085 |
| Applicable income taxes | $568,000 | 3,130 |
| Income before extraordinary items | $1,433,000 | 3,744 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,433,000 | 3,745 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,654,000 | 533 |
| Cash dividends | $616,000 | 3,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,341,560 | 3,847 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,637,000 | 2,451 |
| Total interest expense | $1,824,000 | 3,066 |
| Net interest income | $6,813,000 | 2,222 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,432,000 | 2,285 |
| Gross Fiduciary activities income | $774,000 | 373 |
| Service charges on deposit accounts | $266,000 | 3,948 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $392,000 | 3,234 |
| Total noninterest expense | $5,925,000 | 2,013 |
| Salaries and employee benefits | $3,689,000 | 1,775 |
| Premises and equipment expense | $731,000 | 2,339 |
| Additional noninterest expense | $1,505,000 | 2,390 |
| Pre-tax net operating income | $2,095,000 | 2,769 |
| Securities gains (losses) | $126,000 | 1,027 |
| Applicable income taxes | $699,000 | 2,316 |
| Income before extraordinary items | $1,522,000 | 2,914 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,522,000 | 2,915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-44,000 | 8,632 |
| Cash dividends | $616,000 | 2,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,435,060 | 2,996 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,574,000 | 2,511 |
| Total interest expense | $1,156,000 | 3,177 |
| Net interest income | $4,418,000 | 2,263 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $952,000 | 2,279 |
| Gross Fiduciary activities income | $515,000 | 377 |
| Service charges on deposit accounts | $174,000 | 3,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $263,000 | 3,224 |
| Total noninterest expense | $3,963,000 | 2,008 |
| Salaries and employee benefits | $2,467,000 | 1,780 |
| Premises and equipment expense | $484,000 | 2,353 |
| Additional noninterest expense | $1,012,000 | 2,365 |
| Pre-tax net operating income | $1,257,000 | 2,999 |
| Securities gains (losses) | $8,000 | 2,538 |
| Applicable income taxes | $382,000 | 2,644 |
| Income before extraordinary items | $883,000 | 3,271 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $883,000 | 3,271 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-31,000 | 8,580 |
| Cash dividends | $616,000 | 1,839 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $877,400 | 3,200 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,748,000 | 2,544 |
| Total interest expense | $553,000 | 3,331 |
| Net interest income | $2,195,000 | 2,276 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $452,000 | 2,331 |
| Gross Fiduciary activities income | $239,000 | 391 |
| Service charges on deposit accounts | $87,000 | 3,922 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $126,000 | 3,249 |
| Total noninterest expense | $1,972,000 | 2,038 |
| Salaries and employee benefits | $1,245,000 | 1,774 |
| Premises and equipment expense | $252,000 | 2,288 |
| Additional noninterest expense | $475,000 | 2,489 |
| Pre-tax net operating income | $600,000 | 3,081 |
| Securities gains (losses) | $7,000 | 2,210 |
| Applicable income taxes | $181,000 | 2,741 |
| Income before extraordinary items | $426,000 | 3,336 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $426,000 | 3,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-25,000 | 8,629 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $421,100 | 3,253 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,289,000 | 2,522 |
| Total interest expense | $2,459,000 | 3,373 |
| Net interest income | $8,830,000 | 2,187 |
| Provision for loan and lease losses | $340,000 | 2,902 |
| Total noninterest income | $2,136,000 | 2,211 |
| Gross Fiduciary activities income | $913,000 | 400 |
| Service charges on deposit accounts | $362,000 | 3,861 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $861,000 | 2,614 |
| Total noninterest expense | $7,683,000 | 2,060 |
| Salaries and employee benefits | $4,704,000 | 1,830 |
| Premises and equipment expense | $1,007,000 | 2,249 |
| Additional noninterest expense | $1,972,000 | 2,442 |
| Pre-tax net operating income | $2,943,000 | 2,550 |
| Securities gains (losses) | $15,000 | 3,390 |
| Applicable income taxes | $851,000 | 2,423 |
| Income before extraordinary items | $2,107,000 | 2,749 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,107,000 | 2,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $649,000 | 1,304 |
| Cash dividends | $1,640,000 | 1,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,096,350 | 2,633 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,388,000 | 2,586 |
| Total interest expense | $1,903,000 | 3,405 |
| Net interest income | $6,485,000 | 2,255 |
| Provision for loan and lease losses | $190,000 | 3,426 |
| Total noninterest income | $1,659,000 | 2,194 |
| Gross Fiduciary activities income | $671,000 | 410 |
| Service charges on deposit accounts | $262,000 | 3,968 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $726,000 | 2,498 |
| Total noninterest expense | $5,700,000 | 2,087 |
| Salaries and employee benefits | $3,486,000 | 1,859 |
| Premises and equipment expense | $761,000 | 2,240 |
| Additional noninterest expense | $1,453,000 | 2,473 |
| Pre-tax net operating income | $2,254,000 | 2,591 |
| Securities gains (losses) | $15,000 | 3,125 |
| Applicable income taxes | $703,000 | 2,381 |
| Income before extraordinary items | $1,566,000 | 2,875 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,566,000 | 2,875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $651,000 | 956 |
| Cash dividends | $840,000 | 1,952 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,555,650 | 2,741 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,673,000 | 2,570 |
| Total interest expense | $1,316,000 | 3,408 |
| Net interest income | $4,357,000 | 2,234 |
| Provision for loan and lease losses | $127,000 | 3,371 |
| Total noninterest income | $1,045,000 | 2,280 |
| Gross Fiduciary activities income | $441,000 | 420 |
| Service charges on deposit accounts | $166,000 | 4,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $438,000 | 2,651 |
| Total noninterest expense | $3,792,000 | 2,080 |
| Salaries and employee benefits | $2,333,000 | 1,838 |
| Premises and equipment expense | $508,000 | 2,224 |
| Additional noninterest expense | $951,000 | 2,481 |
| Pre-tax net operating income | $1,483,000 | 2,621 |
| Securities gains (losses) | $15,000 | 2,750 |
| Applicable income taxes | $461,000 | 2,438 |
| Income before extraordinary items | $1,037,000 | 2,893 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,037,000 | 2,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 925 |
| Cash dividends | $840,000 | 1,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,026,650 | 2,766 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,822,000 | 2,607 |
| Total interest expense | $674,000 | 3,417 |
| Net interest income | $2,148,000 | 2,262 |
| Provision for loan and lease losses | $64,000 | 3,180 |
| Total noninterest income | $520,000 | 2,226 |
| Gross Fiduciary activities income | $213,000 | 438 |
| Service charges on deposit accounts | $78,000 | 4,130 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $229,000 | 2,483 |
| Total noninterest expense | $1,860,000 | 2,106 |
| Salaries and employee benefits | $1,165,000 | 1,831 |
| Premises and equipment expense | $239,000 | 2,330 |
| Additional noninterest expense | $456,000 | 2,538 |
| Pre-tax net operating income | $744,000 | 2,617 |
| Securities gains (losses) | $6,000 | 2,344 |
| Applicable income taxes | $230,000 | 2,456 |
| Income before extraordinary items | $520,000 | 2,868 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $520,000 | 2,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,205 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $515,860 | 2,743 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $12,172,000 | 2,529 |
| Total interest expense | $3,484,000 | 3,111 |
| Net interest income | $8,688,000 | 2,229 |
| Provision for loan and lease losses | $192,000 | 4,459 |
| Total noninterest income | $2,112,000 | 2,041 |
| Gross Fiduciary activities income | $886,000 | 428 |
| Service charges on deposit accounts | $355,000 | 3,828 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $871,000 | 2,372 |
| Total noninterest expense | $7,172,000 | 2,092 |
| Salaries and employee benefits | $4,518,000 | 1,772 |
| Premises and equipment expense | $902,000 | 2,404 |
| Additional noninterest expense | $1,752,000 | 2,600 |
| Pre-tax net operating income | $3,436,000 | 2,242 |
| Securities gains (losses) | $183,000 | 1,229 |
| Applicable income taxes | $1,097,000 | 2,069 |
| Income before extraordinary items | $2,522,000 | 2,332 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,522,000 | 2,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,890 |
| Cash dividends | $1,520,000 | 1,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,393,900 | 2,356 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $13,013,000 | 2,623 |
| Total interest expense | $5,142,000 | 3,081 |
| Net interest income | $7,871,000 | 2,281 |
| Provision for loan and lease losses | $90,000 | 5,778 |
| Total noninterest income | $1,967,000 | 2,042 |
| Gross Fiduciary activities income | $894,000 | 441 |
| Service charges on deposit accounts | $359,000 | 3,697 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $714,000 | 2,547 |
| Total noninterest expense | $6,839,000 | 2,096 |
| Salaries and employee benefits | $4,231,000 | 1,776 |
| Premises and equipment expense | $873,000 | 2,430 |
| Additional noninterest expense | $1,735,000 | 2,554 |
| Pre-tax net operating income | $2,909,000 | 2,322 |
| Securities gains (losses) | $30,000 | 2,828 |
| Applicable income taxes | $871,000 | 2,293 |
| Income before extraordinary items | $2,068,000 | 2,450 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,068,000 | 2,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,841 |
| Cash dividends | $1,474,000 | 1,692 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,047,000 | 2,395 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $13,739,000 | 2,539 |
| Total interest expense | $5,712,000 | 2,910 |
| Net interest income | $8,027,000 | 2,216 |
| Provision for loan and lease losses | $64,000 | 6,118 |
| Total noninterest income | $1,909,000 | 1,940 |
| Gross Fiduciary activities income | $903,000 | 439 |
| Service charges on deposit accounts | $395,000 | 3,280 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $611,000 | 2,607 |
| Total noninterest expense | $6,684,000 | 2,064 |
| Salaries and employee benefits | $4,176,000 | 1,719 |
| Premises and equipment expense | $820,000 | 2,516 |
| Additional noninterest expense | $1,688,000 | 2,528 |
| Pre-tax net operating income | $3,188,000 | 2,268 |
| Securities gains (losses) | $144,000 | 486 |
| Applicable income taxes | $1,020,000 | 2,089 |
| Income before extraordinary items | $2,312,000 | 2,229 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $2,312,000 | 2,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 9,436 |
| Cash dividends | $1,349,000 | 1,793 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $2,212,640 | 2,330 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $12,200,000 | 2,665 |
| Total interest expense | $4,706,000 | 3,098 |
| Net interest income | $7,494,000 | 2,357 |
| Provision for loan and lease losses | $130,000 | 4,573 |
| Total noninterest income | $2,009,000 | 1,853 |
| Gross Fiduciary activities income | $980,000 | 469 |
| Service charges on deposit accounts | $439,000 | 2,958 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $590,000 | 2,656 |
| Total noninterest expense | $6,341,000 | 2,144 |
| Salaries and employee benefits | $3,838,000 | 1,811 |
| Premises and equipment expense | $838,000 | 2,414 |
| Additional noninterest expense | $1,665,000 | 2,588 |
| Pre-tax net operating income | $3,032,000 | 2,397 |
| Securities gains (losses) | $10,000 | 1,755 |
| Applicable income taxes | $934,000 | 2,324 |
| Income before extraordinary items | $2,108,000 | 2,458 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,108,000 | 2,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,383 |
| Cash dividends | $1,095,000 | 2,125 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,101,100 | 2,431 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $12,402,000 | 2,629 |
| Total interest expense | $4,947,000 | 3,021 |
| Net interest income | $7,455,000 | 2,293 |
| Provision for loan and lease losses | $89,000 | 5,400 |
| Total noninterest income | $2,287,000 | 1,659 |
| Gross Fiduciary activities income | $985,000 | 463 |
| Service charges on deposit accounts | $462,000 | 2,737 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $840,000 | 2,085 |
| Total noninterest expense | $6,349,000 | 2,065 |
| Salaries and employee benefits | $3,777,000 | 1,755 |
| Premises and equipment expense | $736,000 | 2,650 |
| Additional noninterest expense | $1,836,000 | 2,276 |
| Pre-tax net operating income | $3,304,000 | 2,181 |
| Securities gains (losses) | $10,000 | 2,952 |
| Applicable income taxes | $1,073,000 | 2,182 |
| Income before extraordinary items | $2,241,000 | 2,301 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $2,241,000 | 2,300 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,509 |
| Cash dividends | $1,320,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $2,234,200 | 2,233 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,390,000 | 2,646 |
| Total interest expense | $4,984,000 | 2,986 |
| Net interest income | $7,406,000 | 2,361 |
| Provision for loan and lease losses | $35,000 | 7,233 |
| Total noninterest income | $2,142,000 | 1,674 |
| Gross Fiduciary activities income | $924,000 | 497 |
| Service charges on deposit accounts | $475,000 | 2,756 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $743,000 | 2,135 |
| Total noninterest expense | $6,579,000 | 1,964 |
| Salaries and employee benefits | $3,615,000 | 1,809 |
| Premises and equipment expense | $740,000 | 2,602 |
| Additional noninterest expense | $2,224,000 | 1,913 |
| Pre-tax net operating income | $2,934,000 | 2,537 |
| Securities gains (losses) | $11,000 | 2,294 |
| Applicable income taxes | $865,000 | 2,748 |
| Income before extraordinary items | $2,080,000 | 2,498 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,080,000 | 2,497 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $294,000 | 1,982 |
| Cash dividends | $1,512,000 | 1,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,072,190 | 2,451 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,932,000 | 2,763 |
| Total interest expense | $4,591,000 | 3,260 |
| Net interest income | $7,341,000 | 2,440 |
| Provision for loan and lease losses | $180,000 | 3,640 |
| Total noninterest income | $2,082,000 | 1,783 |
| Gross Fiduciary activities income | $823,000 | 567 |
| Service charges on deposit accounts | $519,000 | 2,630 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $740,000 | 2,205 |
| Total noninterest expense | $6,250,000 | 2,194 |
| Salaries and employee benefits | $3,653,000 | 1,807 |
| Premises and equipment expense | $740,000 | 2,639 |
| Additional noninterest expense | $1,857,000 | 2,625 |
| Pre-tax net operating income | $2,993,000 | 2,379 |
| Securities gains (losses) | $78,000 | 1,076 |
| Applicable income taxes | $971,000 | 2,417 |
| Income before extraordinary items | $2,100,000 | 2,345 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,100,000 | 2,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 2,671 |
| Cash dividends | $1,245,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,046,960 | 2,360 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,702,000 | 2,845 |
| Total interest expense | $4,433,000 | 3,349 |
| Net interest income | $7,269,000 | 2,471 |
| Provision for loan and lease losses | $165,000 | 3,441 |
| Total noninterest income | $2,214,000 | 1,686 |
| Gross Fiduciary activities income | $1,013,000 | 532 |
| Service charges on deposit accounts | $534,000 | 2,517 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $667,000 | 2,372 |
| Total noninterest expense | $6,328,000 | 2,167 |
| Salaries and employee benefits | $3,636,000 | 1,823 |
| Premises and equipment expense | $730,000 | 2,697 |
| Additional noninterest expense | $1,962,000 | 2,434 |
| Pre-tax net operating income | $2,990,000 | 2,445 |
| Securities gains (losses) | $-1,000 | 9,017 |
| Applicable income taxes | $969,000 | 2,455 |
| Income before extraordinary items | $2,020,000 | 2,491 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,020,000 | 2,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 2,137 |
| Cash dividends | $1,167,000 | 1,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,020,680 | 2,470 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,220,000 | 2,981 |
| Total interest expense | $3,399,000 | 3,540 |
| Net interest income | $6,821,000 | 2,648 |
| Provision for loan and lease losses | $75,000 | 5,153 |
| Total noninterest income | $2,151,000 | 1,746 |
| Gross Fiduciary activities income | $909,000 | 546 |
| Service charges on deposit accounts | $520,000 | 2,617 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $722,000 | 2,282 |
| Total noninterest expense | $6,451,000 | 2,186 |
| Salaries and employee benefits | $3,570,000 | 1,871 |
| Premises and equipment expense | $756,000 | 2,649 |
| Additional noninterest expense | $2,125,000 | 2,456 |
| Pre-tax net operating income | $2,446,000 | 2,884 |
| Securities gains (losses) | $-3,000 | 9,178 |
| Applicable income taxes | $809,000 | 2,736 |
| Income before extraordinary items | $1,634,000 | 2,944 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,634,000 | 2,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 5,238 |
| Cash dividends | $1,210,000 | 1,630 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,636,010 | 2,966 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $9,942,000 | 3,104 |
| Total interest expense | $3,511,000 | 3,575 |
| Net interest income | $6,431,000 | 2,816 |
| Provision for loan and lease losses | $400,000 | 2,455 |
| Total noninterest income | $2,988,000 | 1,468 |
| Gross Fiduciary activities income | $837,000 | 588 |
| Service charges on deposit accounts | $557,000 | 2,477 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,594,000 | 1,476 |
| Total noninterest expense | $7,146,000 | 2,054 |
| Salaries and employee benefits | $3,795,000 | 1,764 |
| Premises and equipment expense | $785,000 | 2,600 |
| Additional noninterest expense | $2,566,000 | 2,173 |
| Pre-tax net operating income | $1,873,000 | 3,536 |
| Securities gains (losses) | $-3,000 | 12,455 |
| Applicable income taxes | $608,000 | 3,559 |
| Income before extraordinary items | $1,262,000 | 3,820 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,262,000 | 3,929 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 4,711 |
| Cash dividends | $1,015,000 | 1,713 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,264,010 | 3,615 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,353,000 | 3,099 |
| Total interest expense | $4,573,000 | 3,589 |
| Net interest income | $6,780,000 | 2,688 |
| Provision for loan and lease losses | $500,000 | 2,991 |
| Total noninterest income | $2,737,000 | 1,547 |
| Gross Fiduciary activities income | $718,000 | 649 |
| Service charges on deposit accounts | $573,000 | 2,409 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,446,000 | 1,558 |
| Total noninterest expense | $7,161,000 | 2,061 |
| Salaries and employee benefits | $3,782,000 | 1,767 |
| Premises and equipment expense | $813,000 | 2,551 |
| Additional noninterest expense | $2,566,000 | 2,273 |
| Pre-tax net operating income | $1,856,000 | 3,331 |
| Securities gains (losses) | $33,000 | 4,829 |
| Applicable income taxes | $601,000 | 3,429 |
| Income before extraordinary items | $1,288,000 | 3,566 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,288,000 | 3,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $704,000 | 1,971 |
| Cash dividends | $1,250,000 | 1,272 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,265,560 | 3,360 |
* 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.