Home > Dryades Savings Bank, F.S.B. > Income and Expense
Dryades Savings Bank, F.S.B., Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,276,000 | 5,278 |
| Total interest expense | $855,000 | 5,087 |
| Net interest income | $2,421,000 | 5,223 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $1,106,000 | 2,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $1,106,000 | 1,688 |
| Total noninterest expense | $3,770,000 | 3,598 |
| Salaries and employee benefits | $1,536,000 | 4,204 |
| Premises and equipment expense | $832,000 | 2,312 |
| Additional noninterest expense | $1,402,000 | 3,414 |
| Pre-tax net operating income | $-243,000 | 6,343 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $-104,000 | 7,088 |
| Income before extraordinary items | $-139,000 | 6,359 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-139,000 | 6,360 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-139,000 | 6,359 |
| Net charge-offs | $-24,000 | 7,569 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-139,000 | 6,267 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,177,000 | 5,319 |
| Total interest expense | $568,000 | 5,191 |
| Net interest income | $1,609,000 | 5,240 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $686,000 | 2,612 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $686,000 | 1,708 |
| Total noninterest expense | $2,497,000 | 3,625 |
| Salaries and employee benefits | $1,017,000 | 4,242 |
| Premises and equipment expense | $572,000 | 2,257 |
| Additional noninterest expense | $908,000 | 3,463 |
| Pre-tax net operating income | $-202,000 | 6,436 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $-84,000 | 7,164 |
| Income before extraordinary items | $-118,000 | 6,446 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-118,000 | 6,448 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-118,000 | 6,446 |
| Net charge-offs | $-48,000 | 7,695 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-118,000 | 6,379 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,075,000 | 5,421 |
| Total interest expense | $279,000 | 5,365 |
| Net interest income | $796,000 | 5,309 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $360,000 | 2,544 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $360,000 | 1,625 |
| Total noninterest expense | $1,252,000 | 3,643 |
| Salaries and employee benefits | $516,000 | 4,264 |
| Premises and equipment expense | $294,000 | 2,239 |
| Additional noninterest expense | $442,000 | 3,523 |
| Pre-tax net operating income | $-96,000 | 6,643 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-40,000 | 7,286 |
| Income before extraordinary items | $-56,000 | 6,640 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-56,000 | 6,641 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-56,000 | 6,640 |
| Net charge-offs | $-16,000 | 7,594 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-56,000 | 6,563 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,845,000 | 5,211 |
| Total interest expense | $1,056,000 | 5,914 |
| Net interest income | $3,789,000 | 4,729 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $1,191,000 | 2,995 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,191,000 | 1,918 |
| Total noninterest expense | $4,979,000 | 3,702 |
| Salaries and employee benefits | $2,116,000 | 4,185 |
| Premises and equipment expense | $1,092,000 | 2,394 |
| Additional noninterest expense | $1,771,000 | 3,644 |
| Pre-tax net operating income | $1,000 | 5,401 |
| Securities gains (losses) | $173,000 | 1,669 |
| Applicable income taxes | $-19,000 | 6,309 |
| Income before extraordinary items | $193,000 | 4,824 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $193,000 | 4,826 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $193,000 | 4,826 |
| Net charge-offs | $-238,000 | 8,000 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $20,000 | 5,412 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,662,000 | 5,254 |
| Total interest expense | $783,000 | 6,075 |
| Net interest income | $2,879,000 | 4,705 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $788,000 | 3,292 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $788,000 | 2,147 |
| Total noninterest expense | $3,625,000 | 3,791 |
| Salaries and employee benefits | $1,609,000 | 4,167 |
| Premises and equipment expense | $817,000 | 2,431 |
| Additional noninterest expense | $1,199,000 | 3,874 |
| Pre-tax net operating income | $42,000 | 5,517 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $4,000 | 4,272 |
| Income before extraordinary items | $38,000 | 5,621 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $38,000 | 5,621 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $38,000 | 5,621 |
| Net charge-offs | $-259,000 | 8,085 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $38,000 | 5,558 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,094,000 | 5,714 |
| Total interest expense | $502,000 | 6,268 |
| Net interest income | $1,592,000 | 5,236 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $508,000 | 3,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $508,000 | 2,201 |
| Total noninterest expense | $2,362,000 | 3,901 |
| Salaries and employee benefits | $1,134,000 | 4,043 |
| Premises and equipment expense | $540,000 | 2,487 |
| Additional noninterest expense | $688,000 | 4,316 |
| Pre-tax net operating income | $-262,000 | 6,380 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-101,000 | 7,145 |
| Income before extraordinary items | $-161,000 | 6,306 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-161,000 | 6,305 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-161,000 | 6,305 |
| Net charge-offs | $-210,000 | 8,174 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-161,000 | 6,280 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,078,000 | 5,686 |
| Total interest expense | $230,000 | 6,557 |
| Net interest income | $848,000 | 5,045 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $213,000 | 3,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $213,000 | 2,427 |
| Total noninterest expense | $1,114,000 | 3,990 |
| Salaries and employee benefits | $649,000 | 3,693 |
| Premises and equipment expense | $258,000 | 2,615 |
| Additional noninterest expense | $207,000 | 5,508 |
| Pre-tax net operating income | $-53,000 | 6,500 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-22,000 | 7,282 |
| Income before extraordinary items | $-31,000 | 6,568 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-31,000 | 6,569 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-31,000 | 6,569 |
| Net charge-offs | $-206,000 | 8,225 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-31,000 | 6,453 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,987,000 | 6,017 |
| Total interest expense | $1,363,000 | 6,180 |
| Net interest income | $2,624,000 | 5,789 |
| Provision for loan and lease losses | $500,000 | 3,796 |
| Total noninterest income | $1,073,000 | 3,263 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-104,000 | 8,213 |
| Additional Noninterest Income | $1,177,000 | 1,905 |
| Total noninterest expense | $4,387,000 | 3,959 |
| Salaries and employee benefits | $2,178,000 | 4,177 |
| Premises and equipment expense | $1,026,000 | 2,563 |
| Additional noninterest expense | $1,183,000 | 4,329 |
| Pre-tax net operating income | $-1,190,000 | 7,103 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-408,000 | 7,416 |
| Income before extraordinary items | $-782,000 | 6,886 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-782,000 | 6,888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,603 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-782,000 | 7,006 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,026,000 | 6,065 |
| Total interest expense | $1,100,000 | 6,135 |
| Net interest income | $1,926,000 | 5,892 |
| Provision for loan and lease losses | $500,000 | 2,723 |
| Total noninterest income | $824,000 | 3,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-104,000 | 8,293 |
| Additional Noninterest Income | $928,000 | 1,926 |
| Total noninterest expense | $3,228,000 | 3,996 |
| Salaries and employee benefits | $1,604,000 | 4,254 |
| Premises and equipment expense | $804,000 | 2,478 |
| Additional noninterest expense | $820,000 | 4,495 |
| Pre-tax net operating income | $-978,000 | 7,520 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-337,000 | 7,779 |
| Income before extraordinary items | $-641,000 | 7,295 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-641,000 | 7,293 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,783 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-641,000 | 7,423 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,098,000 | 6,038 |
| Total interest expense | $828,000 | 6,027 |
| Net interest income | $1,270,000 | 5,915 |
| Provision for loan and lease losses | $500,000 | 1,907 |
| Total noninterest income | $531,000 | 3,385 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-104,000 | 8,380 |
| Additional Noninterest Income | $635,000 | 1,927 |
| Total noninterest expense | $2,054,000 | 4,163 |
| Salaries and employee benefits | $1,069,000 | 4,298 |
| Premises and equipment expense | $498,000 | 2,648 |
| Additional noninterest expense | $487,000 | 4,810 |
| Pre-tax net operating income | $-753,000 | 7,767 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-254,000 | 8,037 |
| Income before extraordinary items | $-499,000 | 7,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-499,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,644 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-499,000 | 7,675 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,093,000 | 6,026 |
| Total interest expense | $433,000 | 6,090 |
| Net interest income | $660,000 | 5,850 |
| Provision for loan and lease losses | $500,000 | 995 |
| Total noninterest income | $312,000 | 3,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-48,000 | 8,427 |
| Additional Noninterest Income | $360,000 | 1,740 |
| Total noninterest expense | $995,000 | 4,246 |
| Salaries and employee benefits | $535,000 | 4,311 |
| Premises and equipment expense | $236,000 | 2,788 |
| Additional noninterest expense | $224,000 | 5,020 |
| Pre-tax net operating income | $-523,000 | 8,101 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-176,000 | 8,239 |
| Income before extraordinary items | $-347,000 | 8,033 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-347,000 | 8,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,065 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-347,000 | 8,004 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,507,000 | 5,982 |
| Total interest expense | $1,867,000 | 5,976 |
| Net interest income | $2,640,000 | 5,828 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $1,207,000 | 3,132 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-23,000 | 8,465 |
| Additional Noninterest Income | $1,230,000 | 1,933 |
| Total noninterest expense | $4,240,000 | 3,937 |
| Salaries and employee benefits | $2,080,000 | 4,273 |
| Premises and equipment expense | $928,000 | 2,735 |
| Additional noninterest expense | $1,232,000 | 4,004 |
| Pre-tax net operating income | $-393,000 | 7,750 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-153,000 | 8,084 |
| Income before extraordinary items | $-240,000 | 7,737 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-240,000 | 7,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $850,000 | 1,155 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-240,000 | 7,720 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,452,000 | 5,965 |
| Total interest expense | $1,405,000 | 5,999 |
| Net interest income | $2,047,000 | 5,772 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $878,000 | 3,180 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-23,000 | 8,499 |
| Additional Noninterest Income | $901,000 | 1,970 |
| Total noninterest expense | $2,984,000 | 4,114 |
| Salaries and employee benefits | $1,532,000 | 4,311 |
| Premises and equipment expense | $686,000 | 2,757 |
| Additional noninterest expense | $766,000 | 4,516 |
| Pre-tax net operating income | $-59,000 | 7,752 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-23,000 | 8,089 |
| Income before extraordinary items | $-36,000 | 7,753 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-36,000 | 7,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $492,000 | 1,087 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-36,000 | 7,735 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,346,000 | 5,924 |
| Total interest expense | $941,000 | 6,004 |
| Net interest income | $1,405,000 | 5,742 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $504,000 | 3,540 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-28,000 | 8,561 |
| Additional Noninterest Income | $532,000 | 2,164 |
| Total noninterest expense | $1,913,000 | 4,247 |
| Salaries and employee benefits | $944,000 | 4,603 |
| Premises and equipment expense | $461,000 | 2,754 |
| Additional noninterest expense | $508,000 | 4,529 |
| Pre-tax net operating income | $-4,000 | 7,788 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-4,000 | 8,099 |
| Income before extraordinary items | $0 | 7,791 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $0 | 7,790 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $332,000 | 966 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $0 | 7,775 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,147,000 | 5,985 |
| Total interest expense | $487,000 | 5,932 |
| Net interest income | $660,000 | 5,910 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $263,000 | 3,402 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $4,000 | 181 |
| Additional Noninterest Income | $259,000 | 2,166 |
| Total noninterest expense | $984,000 | 4,196 |
| Salaries and employee benefits | $481,000 | 4,567 |
| Premises and equipment expense | $235,000 | 2,728 |
| Additional noninterest expense | $268,000 | 4,309 |
| Pre-tax net operating income | $-61,000 | 8,064 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-21,000 | 8,311 |
| Income before extraordinary items | $-40,000 | 8,025 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-40,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,384 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-40,000 | 8,011 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,728,000 | 5,165 |
| Total interest expense | $2,132,000 | 5,225 |
| Net interest income | $3,596,000 | 4,964 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $1,072,000 | 3,389 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-4,000 | 8,651 |
| Additional Noninterest Income | $1,076,000 | 2,110 |
| Total noninterest expense | $4,093,000 | 3,925 |
| Salaries and employee benefits | $1,886,000 | 4,465 |
| Premises and equipment expense | $976,000 | 2,529 |
| Additional noninterest expense | $1,231,000 | 3,853 |
| Pre-tax net operating income | $575,000 | 6,267 |
| Securities gains (losses) | $-2,000 | 6,862 |
| Applicable income taxes | $195,000 | 4,316 |
| Income before extraordinary items | $378,000 | 6,598 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $378,000 | 6,602 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,017,000 | 675 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $379,320 | 6,594 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,383,000 | 5,086 |
| Total interest expense | $1,636,000 | 5,110 |
| Net interest income | $2,747,000 | 4,956 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $657,000 | 3,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $657,000 | 2,420 |
| Total noninterest expense | $2,958,000 | 4,019 |
| Salaries and employee benefits | $1,333,000 | 4,628 |
| Premises and equipment expense | $727,000 | 2,549 |
| Additional noninterest expense | $898,000 | 3,929 |
| Pre-tax net operating income | $446,000 | 6,438 |
| Securities gains (losses) | $-2,000 | 7,192 |
| Applicable income taxes | $151,000 | 4,473 |
| Income before extraordinary items | $293,000 | 6,753 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $293,000 | 6,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $379,000 | 983 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $294,320 | 6,748 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,967,000 | 4,991 |
| Total interest expense | $1,102,000 | 4,964 |
| Net interest income | $1,865,000 | 4,919 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $362,000 | 4,268 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-17,000 | 8,758 |
| Additional Noninterest Income | $379,000 | 2,640 |
| Total noninterest expense | $1,954,000 | 4,065 |
| Salaries and employee benefits | $868,000 | 4,735 |
| Premises and equipment expense | $488,000 | 2,532 |
| Additional noninterest expense | $598,000 | 3,923 |
| Pre-tax net operating income | $273,000 | 6,626 |
| Securities gains (losses) | $-2,000 | 7,528 |
| Applicable income taxes | $91,000 | 4,629 |
| Income before extraordinary items | $180,000 | 6,921 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $180,000 | 6,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 681 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $181,320 | 6,916 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,563,000 | 4,777 |
| Total interest expense | $633,000 | 4,438 |
| Net interest income | $930,000 | 4,919 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $160,000 | 4,504 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-9,000 | 8,766 |
| Additional Noninterest Income | $169,000 | 2,759 |
| Total noninterest expense | $959,000 | 4,130 |
| Salaries and employee benefits | $426,000 | 4,818 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $292,000 | 3,980 |
| Pre-tax net operating income | $131,000 | 6,665 |
| Securities gains (losses) | $-1,000 | 7,892 |
| Applicable income taxes | $44,000 | 4,649 |
| Income before extraordinary items | $86,000 | 6,955 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $86,000 | 6,956 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $230,000 | 558 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $86,660 | 6,951 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,943,000 | 4,623 |
| Total interest expense | $2,205,000 | 4,145 |
| Net interest income | $3,738,000 | 4,831 |
| Provision for loan and lease losses | $1,713,000 | 621 |
| Total noninterest income | $1,475,000 | 2,719 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-48,000 | 8,812 |
| Additional Noninterest Income | $1,523,000 | 1,639 |
| Total noninterest expense | $4,906,000 | 3,286 |
| Salaries and employee benefits | $2,457,000 | 3,539 |
| Premises and equipment expense | $1,075,000 | 2,224 |
| Additional noninterest expense | $1,374,000 | 3,466 |
| Pre-tax net operating income | $-1,406,000 | 8,708 |
| Securities gains (losses) | $-1,000 | 6,938 |
| Applicable income taxes | $-478,000 | 8,765 |
| Income before extraordinary items | $-929,000 | 8,651 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $-929,000 | 8,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $607,000 | 985 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $-928,340 | 8,633 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,389,000 | 4,646 |
| Total interest expense | $1,575,000 | 4,158 |
| Net interest income | $2,814,000 | 4,826 |
| Provision for loan and lease losses | $120,000 | 3,874 |
| Total noninterest income | $1,306,000 | 2,429 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-30,000 | 8,837 |
| Additional Noninterest Income | $1,336,000 | 1,473 |
| Total noninterest expense | $3,856,000 | 3,127 |
| Salaries and employee benefits | $2,008,000 | 3,262 |
| Premises and equipment expense | $804,000 | 2,222 |
| Additional noninterest expense | $1,044,000 | 3,397 |
| Pre-tax net operating income | $144,000 | 7,851 |
| Securities gains (losses) | $-1,000 | 7,299 |
| Applicable income taxes | $49,000 | 5,807 |
| Income before extraordinary items | $94,000 | 7,999 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $94,000 | 7,999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $489,000 | 848 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $94,660 | 7,968 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,864,000 | 4,645 |
| Total interest expense | $979,000 | 4,199 |
| Net interest income | $1,885,000 | 4,786 |
| Provision for loan and lease losses | $120,000 | 3,004 |
| Total noninterest income | $983,000 | 2,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-22,000 | 8,840 |
| Additional Noninterest Income | $1,005,000 | 1,341 |
| Total noninterest expense | $2,753,000 | 2,933 |
| Salaries and employee benefits | $1,428,000 | 3,055 |
| Premises and equipment expense | $546,000 | 2,175 |
| Additional noninterest expense | $779,000 | 3,087 |
| Pre-tax net operating income | $-5,000 | 8,365 |
| Securities gains (losses) | $-1,000 | 7,609 |
| Applicable income taxes | $-2,000 | 8,575 |
| Income before extraordinary items | $-4,000 | 8,384 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-4,000 | 8,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $435,000 | 670 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-3,330 | 8,354 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,379,000 | 4,736 |
| Total interest expense | $459,000 | 4,276 |
| Net interest income | $920,000 | 4,888 |
| Provision for loan and lease losses | $60,000 | 2,830 |
| Total noninterest income | $437,000 | 2,355 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-8,000 | 8,902 |
| Additional Noninterest Income | $445,000 | 1,443 |
| Total noninterest expense | $1,324,000 | 3,045 |
| Salaries and employee benefits | $699,000 | 3,124 |
| Premises and equipment expense | $272,000 | 2,187 |
| Additional noninterest expense | $353,000 | 3,336 |
| Pre-tax net operating income | $-27,000 | 8,524 |
| Securities gains (losses) | $-1,000 | 8,158 |
| Applicable income taxes | $-8,000 | 8,689 |
| Income before extraordinary items | $-20,000 | 8,528 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $-20,000 | 8,528 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $275,000 | 548 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $-19,290 | 8,504 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,914,000 | 4,904 |
| Total interest expense | $1,412,000 | 4,681 |
| Net interest income | $3,502,000 | 4,897 |
| Provision for loan and lease losses | $1,994,000 | 550 |
| Total noninterest income | $2,306,000 | 1,985 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-37,000 | 8,948 |
| Additional Noninterest Income | $2,343,000 | 1,188 |
| Total noninterest expense | $5,358,000 | 2,924 |
| Salaries and employee benefits | $2,839,000 | 2,983 |
| Premises and equipment expense | $1,037,000 | 2,209 |
| Additional noninterest expense | $1,482,000 | 3,153 |
| Pre-tax net operating income | $-1,544,000 | 8,870 |
| Securities gains (losses) | $1,000 | 3,645 |
| Applicable income taxes | $-511,000 | 8,903 |
| Income before extraordinary items | $-1,032,000 | 8,844 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,032,000 | 8,844 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,079,000 | 732 |
| Cash dividends | $356,000 | 4,091 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $-1,032,670 | 8,821 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,642,000 | 4,932 |
| Total interest expense | $1,001,000 | 4,786 |
| Net interest income | $2,641,000 | 4,866 |
| Provision for loan and lease losses | $1,121,000 | 703 |
| Total noninterest income | $1,714,000 | 2,013 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $4,000 | 128 |
| Additional Noninterest Income | $1,710,000 | 1,204 |
| Total noninterest expense | $3,978,000 | 2,924 |
| Salaries and employee benefits | $2,110,000 | 2,986 |
| Premises and equipment expense | $775,000 | 2,216 |
| Additional noninterest expense | $1,093,000 | 3,170 |
| Pre-tax net operating income | $-744,000 | 8,842 |
| Securities gains (losses) | $1,000 | 3,538 |
| Applicable income taxes | $-249,000 | 8,928 |
| Income before extraordinary items | $-494,000 | 8,808 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $-494,000 | 8,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $647,000 | 782 |
| Cash dividends | $267,000 | 3,612 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $-494,660 | 8,782 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,392,000 | 4,993 |
| Total interest expense | $617,000 | 5,025 |
| Net interest income | $1,775,000 | 4,846 |
| Provision for loan and lease losses | $1,051,000 | 496 |
| Total noninterest income | $1,130,000 | 2,018 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $4,000 | 122 |
| Additional Noninterest Income | $1,126,000 | 1,219 |
| Total noninterest expense | $2,662,000 | 2,925 |
| Salaries and employee benefits | $1,401,000 | 3,013 |
| Premises and equipment expense | $525,000 | 2,175 |
| Additional noninterest expense | $736,000 | 3,166 |
| Pre-tax net operating income | $-808,000 | 8,974 |
| Securities gains (losses) | $1,000 | 3,212 |
| Applicable income taxes | $-274,000 | 9,016 |
| Income before extraordinary items | $-533,000 | 8,942 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-533,000 | 8,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $724,000 | 545 |
| Cash dividends | $178,000 | 3,609 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $-533,660 | 8,923 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,142,000 | 5,145 |
| Total interest expense | $283,000 | 5,349 |
| Net interest income | $859,000 | 4,959 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $501,000 | 2,158 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $501,000 | 1,292 |
| Total noninterest expense | $1,268,000 | 3,058 |
| Salaries and employee benefits | $681,000 | 3,105 |
| Premises and equipment expense | $263,000 | 2,185 |
| Additional noninterest expense | $324,000 | 3,518 |
| Pre-tax net operating income | $32,000 | 8,152 |
| Securities gains (losses) | $1,000 | 2,756 |
| Applicable income taxes | $11,000 | 6,197 |
| Income before extraordinary items | $22,000 | 8,296 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $22,000 | 8,297 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,876 |
| Cash dividends | $89,000 | 3,015 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $21,330 | 8,247 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,002,000 | 4,897 |
| Total interest expense | $1,377,000 | 5,144 |
| Net interest income | $3,625,000 | 4,677 |
| Provision for loan and lease losses | $1,403,000 | 866 |
| Total noninterest income | $2,429,000 | 1,993 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-3,000 | 9,139 |
| Additional Noninterest Income | $2,432,000 | 1,255 |
| Total noninterest expense | $5,166,000 | 2,970 |
| Salaries and employee benefits | $2,793,000 | 2,958 |
| Premises and equipment expense | $1,110,000 | 2,049 |
| Additional noninterest expense | $1,263,000 | 3,584 |
| Pre-tax net operating income | $-515,000 | 8,830 |
| Securities gains (losses) | $3,140,000 | 217 |
| Applicable income taxes | $892,000 | 2,335 |
| Income before extraordinary items | $1,733,000 | 3,199 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,733,000 | 3,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,282,000 | 759 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $-339,400 | 8,774 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,839,000 | 4,860 |
| Total interest expense | $1,088,000 | 5,115 |
| Net interest income | $2,751,000 | 4,661 |
| Provision for loan and lease losses | $140,000 | 4,015 |
| Total noninterest income | $1,787,000 | 2,081 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-2,000 | 9,194 |
| Additional Noninterest Income | $1,789,000 | 1,341 |
| Total noninterest expense | $3,888,000 | 2,967 |
| Salaries and employee benefits | $2,116,000 | 2,937 |
| Premises and equipment expense | $842,000 | 2,042 |
| Additional noninterest expense | $930,000 | 3,615 |
| Pre-tax net operating income | $510,000 | 6,242 |
| Securities gains (losses) | $3,075,000 | 202 |
| Applicable income taxes | $1,219,000 | 1,592 |
| Income before extraordinary items | $2,366,000 | 2,024 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,366,000 | 2,023 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,905 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $336,500 | 6,563 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,604,000 | 4,845 |
| Total interest expense | $783,000 | 4,997 |
| Net interest income | $1,821,000 | 4,680 |
| Provision for loan and lease losses | $80,000 | 4,288 |
| Total noninterest income | $1,169,000 | 2,096 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-5,000 | 9,232 |
| Additional Noninterest Income | $1,174,000 | 1,355 |
| Total noninterest expense | $2,659,000 | 2,907 |
| Salaries and employee benefits | $1,430,000 | 2,909 |
| Premises and equipment expense | $573,000 | 1,995 |
| Additional noninterest expense | $656,000 | 3,421 |
| Pre-tax net operating income | $251,000 | 6,829 |
| Securities gains (losses) | $3,074,000 | 175 |
| Applicable income taxes | $1,130,000 | 1,235 |
| Income before extraordinary items | $2,195,000 | 1,495 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,195,000 | 1,494 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 9,101 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $166,160 | 7,109 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,329,000 | 4,808 |
| Total interest expense | $459,000 | 4,607 |
| Net interest income | $870,000 | 4,802 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $612,000 | 1,971 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $-5,000 | 9,270 |
| Additional Noninterest Income | $617,000 | 1,271 |
| Total noninterest expense | $1,371,000 | 2,800 |
| Salaries and employee benefits | $740,000 | 2,815 |
| Premises and equipment expense | $302,000 | 1,896 |
| Additional noninterest expense | $329,000 | 3,367 |
| Pre-tax net operating income | $51,000 | 7,986 |
| Securities gains (losses) | $3,074,000 | 115 |
| Applicable income taxes | $1,062,000 | 757 |
| Income before extraordinary items | $2,063,000 | 821 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,063,000 | 820 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $34,160 | 8,063 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,758,000 | 4,170 |
| Total interest expense | $2,721,000 | 3,839 |
| Net interest income | $4,037,000 | 4,318 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $2,371,000 | 1,868 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $5,000 | 142 |
| Additional Noninterest Income | $2,366,000 | 1,172 |
| Total noninterest expense | $5,712,000 | 2,588 |
| Salaries and employee benefits | $2,921,000 | 2,694 |
| Premises and equipment expense | $1,260,000 | 1,754 |
| Additional noninterest expense | $1,531,000 | 2,913 |
| Pre-tax net operating income | $456,000 | 6,936 |
| Securities gains (losses) | $2,000 | 4,234 |
| Applicable income taxes | $156,000 | 5,471 |
| Income before extraordinary items | $302,000 | 7,310 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $302,000 | 7,308 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,962 |
| Cash dividends | $132,000 | 5,333 |
| Sale, conversion, retirement of capital stock, net | $900,000 | 400 |
| Net operating income | $300,680 | 7,214 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,708,000 | 4,148 |
| Total interest expense | $3,848,000 | 3,921 |
| Net interest income | $3,860,000 | 4,233 |
| Provision for loan and lease losses | $240,000 | 3,705 |
| Total noninterest income | $2,170,000 | 1,896 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,170,000 | 1,168 |
| Total noninterest expense | $6,036,000 | 2,365 |
| Salaries and employee benefits | $3,132,000 | 2,399 |
| Premises and equipment expense | $1,538,000 | 1,388 |
| Additional noninterest expense | $1,366,000 | 3,125 |
| Pre-tax net operating income | $-246,000 | 8,991 |
| Securities gains (losses) | $179,000 | 1,289 |
| Applicable income taxes | $-23,000 | 9,068 |
| Income before extraordinary items | $-44,000 | 8,891 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-44,000 | 8,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 2,017 |
| Cash dividends | $132,000 | 5,482 |
| Sale, conversion, retirement of capital stock, net | $222,000 | 573 |
| Net operating income | $-162,140 | 8,952 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,627,000 | 3,884 |
| Total interest expense | $4,595,000 | 3,561 |
| Net interest income | $4,032,000 | 4,156 |
| Provision for loan and lease losses | $108,000 | 5,148 |
| Total noninterest income | $2,108,000 | 1,796 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $2,108,000 | 1,092 |
| Total noninterest expense | $6,031,000 | 2,267 |
| Salaries and employee benefits | $3,151,000 | 2,260 |
| Premises and equipment expense | $1,575,000 | 1,298 |
| Additional noninterest expense | $1,305,000 | 3,166 |
| Pre-tax net operating income | $1,000 | 9,114 |
| Securities gains (losses) | $3,000 | 1,519 |
| Applicable income taxes | $1,000 | 8,314 |
| Income before extraordinary items | $3,000 | 9,140 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,000 | 9,138 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $507,000 | 1,234 |
| Cash dividends | $202,000 | 5,095 |
| Sale, conversion, retirement of capital stock, net | $250,000 | 611 |
| Net operating income | $750 | 9,138 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,760,000 | 4,030 |
| Total interest expense | $3,303,000 | 4,258 |
| Net interest income | $4,457,000 | 3,816 |
| Provision for loan and lease losses | $190,000 | 3,663 |
| Total noninterest income | $1,675,000 | 2,129 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,675,000 | 1,305 |
| Total noninterest expense | $5,514,000 | 2,454 |
| Salaries and employee benefits | $3,039,000 | 2,310 |
| Premises and equipment expense | $1,292,000 | 1,585 |
| Additional noninterest expense | $1,183,000 | 3,473 |
| Pre-tax net operating income | $428,000 | 7,459 |
| Securities gains (losses) | $1,000 | 2,805 |
| Applicable income taxes | $137,000 | 6,439 |
| Income before extraordinary items | $292,000 | 7,656 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $292,000 | 7,656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 3,343 |
| Cash dividends | $371,000 | 4,102 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $291,320 | 7,630 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,070,000 | 4,367 |
| Total interest expense | $3,047,000 | 4,668 |
| Net interest income | $4,023,000 | 4,104 |
| Provision for loan and lease losses | $104,000 | 5,028 |
| Total noninterest income | $1,411,000 | 2,373 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,411,000 | 1,461 |
| Total noninterest expense | $4,833,000 | 2,709 |
| Salaries and employee benefits | $2,697,000 | 2,505 |
| Premises and equipment expense | $1,102,000 | 1,789 |
| Additional noninterest expense | $1,034,000 | 3,851 |
| Pre-tax net operating income | $497,000 | 7,381 |
| Securities gains (losses) | $56,000 | 1,658 |
| Applicable income taxes | $188,000 | 6,318 |
| Income before extraordinary items | $365,000 | 7,444 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $365,000 | 7,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 4,009 |
| Cash dividends | $11,000 | 7,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $328,040 | 7,577 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $6,586,000 | 4,732 |
| Total interest expense | $2,767,000 | 5,023 |
| Net interest income | $3,819,000 | 4,403 |
| Provision for loan and lease losses | $148,000 | 4,189 |
| Total noninterest income | $1,029,000 | 2,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,029,000 | 1,702 |
| Total noninterest expense | $4,386,000 | 2,889 |
| Salaries and employee benefits | $2,336,000 | 2,832 |
| Premises and equipment expense | $1,065,000 | 1,863 |
| Additional noninterest expense | $985,000 | 3,964 |
| Pre-tax net operating income | $314,000 | 8,920 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $122,000 | 8,050 |
| Income before extraordinary items | $215,000 | 9,025 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $215,000 | 9,029 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $309,000 | 1,920 |
| Cash dividends | $23,000 | 7,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $200,280 | 9,106 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,039,000 | 5,163 |
| Total interest expense | $2,639,000 | 5,307 |
| Net interest income | $3,400,000 | 4,943 |
| Provision for loan and lease losses | $40,000 | 6,972 |
| Total noninterest income | $350,000 | 6,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $350,000 | 3,696 |
| Total noninterest expense | $3,640,000 | 3,643 |
| Salaries and employee benefits | $1,458,000 | 4,425 |
| Premises and equipment expense | $833,000 | 2,360 |
| Additional noninterest expense | $1,349,000 | 3,416 |
| Pre-tax net operating income | $70,000 | 10,509 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $17,000 | 10,255 |
| Income before extraordinary items | $56,000 | 10,542 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $56,000 | 10,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 6,265 |
| Cash dividends | $29,000 | 7,913 |
| Sale, conversion, retirement of capital stock, net | $394,000 | 497 |
| Net operating income | $53,690 | 10,510 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $6,010,000 | 5,203 |
| Total interest expense | $2,759,000 | 5,127 |
| Net interest income | $3,251,000 | 5,168 |
| Provision for loan and lease losses | $58,000 | 5,942 |
| Total noninterest income | $178,000 | 8,815 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $178,000 | 5,476 |
| Total noninterest expense | $2,730,000 | 4,630 |
| Salaries and employee benefits | $1,126,000 | 5,493 |
| Premises and equipment expense | $661,000 | 2,954 |
| Additional noninterest expense | $943,000 | 4,576 |
| Pre-tax net operating income | $641,000 | 7,641 |
| Securities gains (losses) | $3,000 | 3,092 |
| Applicable income taxes | $220,000 | 7,096 |
| Income before extraordinary items | $424,000 | 7,853 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $424,000 | 7,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,856 |
| Cash dividends | $187,000 | 5,671 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $422,020 | 7,833 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,463,000 | 10,813 |
| Total interest expense | $751,000 | 9,827 |
| Net interest income | $712,000 | 11,339 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $14,000 | 12,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $14,000 | 11,845 |
| Total noninterest expense | $626,000 | 11,002 |
| Salaries and employee benefits | $343,000 | 10,819 |
| Premises and equipment expense | $150,000 | 8,551 |
| Additional noninterest expense | $133,000 | 11,987 |
| Pre-tax net operating income | $100,000 | 11,630 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $22,000 | 11,114 |
| Income before extraordinary items | $78,000 | 11,588 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $78,000 | 11,595 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $48,000 | 8,028 |
| Sale, conversion, retirement of capital stock, net | $4,800,000 | 182 |
| Net operating income | $78,000 | 11,634 |
* 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.