Home > East Bridgewater Savings Bank > Income and Expense
East Bridgewater Savings Bank, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,262,000 | 4,983 |
| Total interest expense | $2,698,000 | 3,699 |
| Net interest income | $2,564,000 | 5,771 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $229,000 | 6,047 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $94,000 | 5,834 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $135,000 | 5,244 |
| Total noninterest expense | $3,804,000 | 4,476 |
| Salaries and employee benefits | $2,117,000 | 4,183 |
| Premises and equipment expense | $427,000 | 4,812 |
| Additional noninterest expense | $1,260,000 | 4,600 |
| Pre-tax net operating income | $-1,011,000 | 6,265 |
| Securities gains (losses) | $1,890,000 | 287 |
| Applicable income taxes | $445,000 | 1,662 |
| Income before extraordinary items | $434,000 | 4,063 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $434,000 | 4,062 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $434,000 | 4,062 |
| Net charge-offs | $0 | 7,246 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-775,600 | 6,252 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 4,952 |
| Total interest expense | $2,075,000 | 3,764 |
| Net interest income | $2,012,000 | 5,686 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $164,000 | 6,208 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $73,000 | 5,846 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $91,000 | 5,517 |
| Total noninterest expense | $2,523,000 | 4,849 |
| Salaries and employee benefits | $1,510,000 | 4,363 |
| Premises and equipment expense | $297,000 | 5,062 |
| Additional noninterest expense | $716,000 | 5,340 |
| Pre-tax net operating income | $-347,000 | 6,181 |
| Securities gains (losses) | $124,000 | 1,660 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-223,000 | 6,147 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-223,000 | 6,148 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-223,000 | 6,147 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-347,000 | 6,276 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,780,000 | 4,935 |
| Total interest expense | $1,414,000 | 3,819 |
| Net interest income | $1,366,000 | 5,643 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $105,000 | 6,319 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $49,000 | 5,826 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $56,000 | 5,675 |
| Total noninterest expense | $1,696,000 | 4,863 |
| Salaries and employee benefits | $1,003,000 | 4,431 |
| Premises and equipment expense | $204,000 | 5,020 |
| Additional noninterest expense | $489,000 | 5,301 |
| Pre-tax net operating income | $-225,000 | 6,321 |
| Securities gains (losses) | $109,000 | 1,432 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-116,000 | 6,222 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-116,000 | 6,221 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-116,000 | 6,221 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-225,000 | 6,411 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,439,000 | 4,865 |
| Total interest expense | $717,000 | 3,877 |
| Net interest income | $722,000 | 5,486 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $49,000 | 6,415 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $25,000 | 5,766 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $24,000 | 5,949 |
| Total noninterest expense | $794,000 | 4,976 |
| Salaries and employee benefits | $493,000 | 4,514 |
| Premises and equipment expense | $107,000 | 4,927 |
| Additional noninterest expense | $194,000 | 5,683 |
| Pre-tax net operating income | $-23,000 | 6,379 |
| Securities gains (losses) | $89,000 | 1,052 |
| Applicable income taxes | $21,000 | 3,530 |
| Income before extraordinary items | $45,000 | 5,766 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $45,000 | 5,769 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $45,000 | 5,769 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-15,520 | 6,360 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,820,000 | 5,020 |
| Total interest expense | $3,027,000 | 4,226 |
| Net interest income | $2,793,000 | 5,609 |
| Provision for loan and lease losses | $0 | 7,334 |
| Total noninterest income | $221,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $98,000 | 5,919 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $123,000 | 5,638 |
| Total noninterest expense | $3,031,000 | 5,083 |
| Salaries and employee benefits | $1,844,000 | 4,711 |
| Premises and equipment expense | $398,000 | 5,095 |
| Additional noninterest expense | $789,000 | 5,508 |
| Pre-tax net operating income | $-17,000 | 6,357 |
| Securities gains (losses) | $76,000 | 1,322 |
| Applicable income taxes | $279,000 | 2,485 |
| Income before extraordinary items | $-220,000 | 6,501 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-220,000 | 6,500 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,039 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-268,640 | 6,687 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,290,000 | 5,156 |
| Total interest expense | $2,294,000 | 4,314 |
| Net interest income | $1,996,000 | 5,801 |
| Provision for loan and lease losses | $0 | 6,991 |
| Total noninterest income | $158,000 | 6,519 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $73,000 | 5,965 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $85,000 | 5,873 |
| Total noninterest expense | $2,174,000 | 5,214 |
| Salaries and employee benefits | $1,349,000 | 4,811 |
| Premises and equipment expense | $294,000 | 5,163 |
| Additional noninterest expense | $531,000 | 5,749 |
| Pre-tax net operating income | $-20,000 | 6,790 |
| Securities gains (losses) | $77,000 | 1,128 |
| Applicable income taxes | $6,000 | 4,986 |
| Income before extraordinary items | $51,000 | 6,407 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $51,000 | 6,405 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,534 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-17,530 | 6,818 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,819,000 | 5,265 |
| Total interest expense | $1,550,000 | 4,423 |
| Net interest income | $1,269,000 | 5,918 |
| Provision for loan and lease losses | $0 | 6,671 |
| Total noninterest income | $109,000 | 6,532 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $48,000 | 6,011 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $61,000 | 5,834 |
| Total noninterest expense | $1,431,000 | 5,276 |
| Salaries and employee benefits | $885,000 | 4,891 |
| Premises and equipment expense | $204,000 | 5,087 |
| Additional noninterest expense | $342,000 | 5,826 |
| Pre-tax net operating income | $-53,000 | 7,098 |
| Securities gains (losses) | $76,000 | 1,153 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $23,000 | 6,869 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $23,000 | 6,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-53,000 | 7,129 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,414,000 | 5,359 |
| Total interest expense | $813,000 | 4,464 |
| Net interest income | $601,000 | 6,100 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $54,000 | 6,542 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $24,000 | 5,995 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $30,000 | 5,904 |
| Total noninterest expense | $715,000 | 5,300 |
| Salaries and employee benefits | $443,000 | 4,927 |
| Premises and equipment expense | $99,000 | 5,177 |
| Additional noninterest expense | $173,000 | 5,772 |
| Pre-tax net operating income | $-60,000 | 7,437 |
| Securities gains (losses) | $63,000 | 959 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $3,000 | 7,242 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,000 | 7,243 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-60,000 | 7,481 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,886,000 | 5,297 |
| Total interest expense | $3,238,000 | 4,563 |
| Net interest income | $2,648,000 | 5,822 |
| Provision for loan and lease losses | $-50,000 | 8,312 |
| Total noninterest income | $1,873,000 | 2,317 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $106,000 | 5,958 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,767,000 | 1,481 |
| Total noninterest expense | $3,289,000 | 4,721 |
| Salaries and employee benefits | $1,910,000 | 4,548 |
| Premises and equipment expense | $438,000 | 4,762 |
| Additional noninterest expense | $941,000 | 4,831 |
| Pre-tax net operating income | $1,282,000 | 4,221 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $-149,000 | 8,082 |
| Income before extraordinary items | $1,431,000 | 3,548 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,431,000 | 3,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,179 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,431,000 | 3,541 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,408,000 | 5,315 |
| Total interest expense | $2,411,000 | 4,597 |
| Net interest income | $1,997,000 | 5,853 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,806,000 | 1,946 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $81,000 | 5,959 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,725,000 | 1,251 |
| Total noninterest expense | $2,730,000 | 4,394 |
| Salaries and employee benefits | $1,437,000 | 4,520 |
| Premises and equipment expense | $357,000 | 4,484 |
| Additional noninterest expense | $936,000 | 3,901 |
| Pre-tax net operating income | $1,073,000 | 4,202 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $12,000 | 5,670 |
| Income before extraordinary items | $1,061,000 | 3,748 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,061,000 | 3,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,520 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,061,000 | 3,732 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,916,000 | 5,353 |
| Total interest expense | $1,585,000 | 4,616 |
| Net interest income | $1,331,000 | 5,874 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,754,000 | 1,478 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $55,000 | 5,947 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,699,000 | 963 |
| Total noninterest expense | $2,099,000 | 3,978 |
| Salaries and employee benefits | $1,012,000 | 4,379 |
| Premises and equipment expense | $281,000 | 4,037 |
| Additional noninterest expense | $806,000 | 3,177 |
| Pre-tax net operating income | $986,000 | 3,561 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $977,000 | 3,090 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $977,000 | 3,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,517 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $977,000 | 3,073 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,441,000 | 5,392 |
| Total interest expense | $775,000 | 4,658 |
| Net interest income | $666,000 | 5,880 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $1,700,000 | 858 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $28,000 | 5,902 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $1,672,000 | 562 |
| Total noninterest expense | $1,476,000 | 3,021 |
| Salaries and employee benefits | $588,000 | 3,944 |
| Premises and equipment expense | $205,000 | 3,043 |
| Additional noninterest expense | $683,000 | 1,942 |
| Pre-tax net operating income | $890,000 | 2,363 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $7,000 | 5,533 |
| Income before extraordinary items | $883,000 | 1,903 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $883,000 | 1,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $883,000 | 1,894 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,576,000 | 5,238 |
| Total interest expense | $2,800,000 | 4,500 |
| Net interest income | $2,776,000 | 5,747 |
| Provision for loan and lease losses | $-50,000 | 8,397 |
| Total noninterest income | $298,000 | 6,194 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $118,000 | 5,924 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $180,000 | 5,307 |
| Total noninterest expense | $2,959,000 | 4,943 |
| Salaries and employee benefits | $1,776,000 | 4,660 |
| Premises and equipment expense | $409,000 | 4,852 |
| Additional noninterest expense | $774,000 | 5,324 |
| Pre-tax net operating income | $165,000 | 7,510 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $16,000 | 5,999 |
| Income before extraordinary items | $149,000 | 7,491 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $149,000 | 7,493 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,377 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $149,000 | 7,486 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,134,000 | 5,264 |
| Total interest expense | $2,017,000 | 4,528 |
| Net interest income | $2,117,000 | 5,749 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $225,000 | 6,235 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $91,000 | 5,951 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $134,000 | 5,331 |
| Total noninterest expense | $2,203,000 | 4,936 |
| Salaries and employee benefits | $1,317,000 | 4,664 |
| Premises and equipment expense | $311,000 | 4,813 |
| Additional noninterest expense | $575,000 | 5,355 |
| Pre-tax net operating income | $139,000 | 7,670 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $15,000 | 6,081 |
| Income before extraordinary items | $124,000 | 7,609 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $124,000 | 7,611 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,858 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $124,000 | 7,607 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 5,278 |
| Total interest expense | $1,278,000 | 4,522 |
| Net interest income | $1,441,000 | 5,722 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $154,000 | 6,184 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $62,000 | 5,917 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $92,000 | 5,303 |
| Total noninterest expense | $1,487,000 | 4,908 |
| Salaries and employee benefits | $893,000 | 4,641 |
| Premises and equipment expense | $213,000 | 4,739 |
| Additional noninterest expense | $381,000 | 5,376 |
| Pre-tax net operating income | $108,000 | 7,642 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $15,000 | 5,945 |
| Income before extraordinary items | $93,000 | 7,582 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $93,000 | 7,583 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $93,000 | 7,591 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,329,000 | 5,294 |
| Total interest expense | $612,000 | 4,524 |
| Net interest income | $717,000 | 5,735 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $78,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $31,000 | 5,867 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,227 |
| Total noninterest expense | $747,000 | 4,907 |
| Salaries and employee benefits | $444,000 | 4,688 |
| Premises and equipment expense | $112,000 | 4,612 |
| Additional noninterest expense | $191,000 | 5,329 |
| Pre-tax net operating income | $48,000 | 7,720 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $39,000 | 7,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $39,000 | 7,704 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $39,000 | 7,706 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,104,000 | 5,094 |
| Total interest expense | $2,031,000 | 4,383 |
| Net interest income | $3,073,000 | 5,437 |
| Provision for loan and lease losses | $-40,000 | 8,559 |
| Total noninterest income | $320,000 | 6,202 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $129,000 | 5,884 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $191,000 | 5,257 |
| Total noninterest expense | $3,072,000 | 4,692 |
| Salaries and employee benefits | $1,825,000 | 4,431 |
| Premises and equipment expense | $435,000 | 4,612 |
| Additional noninterest expense | $812,000 | 5,116 |
| Pre-tax net operating income | $361,000 | 7,194 |
| Securities gains (losses) | $-2,000 | 7,064 |
| Applicable income taxes | $69,000 | 5,647 |
| Income before extraordinary items | $290,000 | 7,223 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $290,000 | 7,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,618 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $291,620 | 7,199 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,801,000 | 5,074 |
| Total interest expense | $1,464,000 | 4,366 |
| Net interest income | $2,337,000 | 5,402 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $239,000 | 6,225 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $96,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $143,000 | 5,275 |
| Total noninterest expense | $2,296,000 | 4,682 |
| Salaries and employee benefits | $1,358,000 | 4,421 |
| Premises and equipment expense | $328,000 | 4,556 |
| Additional noninterest expense | $610,000 | 5,064 |
| Pre-tax net operating income | $280,000 | 7,282 |
| Securities gains (losses) | $-2,000 | 7,438 |
| Applicable income taxes | $50,000 | 5,792 |
| Income before extraordinary items | $228,000 | 7,301 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $228,000 | 7,302 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $229,640 | 7,269 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,534,000 | 5,020 |
| Total interest expense | $949,000 | 4,287 |
| Net interest income | $1,585,000 | 5,319 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $157,000 | 6,249 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $62,000 | 5,950 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $95,000 | 5,289 |
| Total noninterest expense | $1,554,000 | 4,623 |
| Salaries and employee benefits | $914,000 | 4,363 |
| Premises and equipment expense | $232,000 | 4,354 |
| Additional noninterest expense | $408,000 | 5,022 |
| Pre-tax net operating income | $188,000 | 7,287 |
| Securities gains (losses) | $-2,000 | 7,723 |
| Applicable income taxes | $33,000 | 5,805 |
| Income before extraordinary items | $153,000 | 7,323 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $153,000 | 7,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $154,640 | 7,266 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,261,000 | 5,029 |
| Total interest expense | $455,000 | 4,301 |
| Net interest income | $806,000 | 5,309 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $83,000 | 6,080 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $31,000 | 5,927 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $52,000 | 5,105 |
| Total noninterest expense | $795,000 | 4,573 |
| Salaries and employee benefits | $467,000 | 4,307 |
| Premises and equipment expense | $127,000 | 4,141 |
| Additional noninterest expense | $201,000 | 5,048 |
| Pre-tax net operating income | $94,000 | 7,314 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $17,000 | 5,779 |
| Income before extraordinary items | $77,000 | 7,291 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $77,000 | 7,291 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $77,000 | 7,259 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,194,000 | 4,716 |
| Total interest expense | $1,835,000 | 3,911 |
| Net interest income | $3,359,000 | 5,042 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $296,000 | 6,433 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $135,000 | 5,973 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $161,000 | 5,547 |
| Total noninterest expense | $3,208,000 | 4,450 |
| Salaries and employee benefits | $1,813,000 | 4,312 |
| Premises and equipment expense | $439,000 | 4,488 |
| Additional noninterest expense | $956,000 | 4,514 |
| Pre-tax net operating income | $447,000 | 6,875 |
| Securities gains (losses) | $96,000 | 1,275 |
| Applicable income taxes | $125,000 | 5,291 |
| Income before extraordinary items | $418,000 | 6,681 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $418,000 | 6,683 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,038 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $344,080 | 6,993 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,933,000 | 4,664 |
| Total interest expense | $1,383,000 | 3,847 |
| Net interest income | $2,550,000 | 4,996 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $212,000 | 6,570 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $102,000 | 6,016 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $110,000 | 5,753 |
| Total noninterest expense | $2,352,000 | 4,495 |
| Salaries and employee benefits | $1,329,000 | 4,351 |
| Premises and equipment expense | $329,000 | 4,482 |
| Additional noninterest expense | $694,000 | 4,560 |
| Pre-tax net operating income | $410,000 | 6,690 |
| Securities gains (losses) | $96,000 | 1,200 |
| Applicable income taxes | $135,000 | 4,983 |
| Income before extraordinary items | $371,000 | 6,487 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $371,000 | 6,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,579 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $300,920 | 6,821 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,623,000 | 4,675 |
| Total interest expense | $926,000 | 3,837 |
| Net interest income | $1,697,000 | 4,996 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $141,000 | 6,599 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $72,000 | 5,800 |
| Total noninterest expense | $1,525,000 | 4,614 |
| Salaries and employee benefits | $853,000 | 4,505 |
| Premises and equipment expense | $223,000 | 4,437 |
| Additional noninterest expense | $449,000 | 4,688 |
| Pre-tax net operating income | $313,000 | 6,428 |
| Securities gains (losses) | $86,000 | 1,124 |
| Applicable income taxes | $120,000 | 4,610 |
| Income before extraordinary items | $279,000 | 6,198 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $279,000 | 6,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,314 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $218,800 | 6,644 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,311,000 | 4,690 |
| Total interest expense | $468,000 | 3,851 |
| Net interest income | $843,000 | 5,019 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $74,000 | 6,458 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $33,000 | 6,033 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $41,000 | 5,508 |
| Total noninterest expense | $750,000 | 4,693 |
| Salaries and employee benefits | $406,000 | 4,686 |
| Premises and equipment expense | $112,000 | 4,455 |
| Additional noninterest expense | $232,000 | 4,564 |
| Pre-tax net operating income | $167,000 | 6,218 |
| Securities gains (losses) | $86,000 | 884 |
| Applicable income taxes | $68,000 | 4,390 |
| Income before extraordinary items | $185,000 | 5,527 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $185,000 | 5,527 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $122,220 | 6,358 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,358,000 | 4,663 |
| Total interest expense | $2,119,000 | 3,854 |
| Net interest income | $3,239,000 | 5,060 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $424,000 | 5,847 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $141,000 | 5,980 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $283,000 | 4,625 |
| Total noninterest expense | $3,156,000 | 4,454 |
| Salaries and employee benefits | $1,795,000 | 4,276 |
| Premises and equipment expense | $489,000 | 4,141 |
| Additional noninterest expense | $872,000 | 4,746 |
| Pre-tax net operating income | $507,000 | 6,655 |
| Securities gains (losses) | $681,000 | 620 |
| Applicable income taxes | $446,000 | 3,584 |
| Income before extraordinary items | $742,000 | 5,426 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $742,000 | 5,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $306,160 | 7,111 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,048,000 | 4,689 |
| Total interest expense | $1,629,000 | 3,886 |
| Net interest income | $2,419,000 | 5,095 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $357,000 | 5,614 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $105,000 | 6,036 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $252,000 | 4,363 |
| Total noninterest expense | $2,308,000 | 4,514 |
| Salaries and employee benefits | $1,305,000 | 4,359 |
| Premises and equipment expense | $362,000 | 4,168 |
| Additional noninterest expense | $641,000 | 4,778 |
| Pre-tax net operating income | $468,000 | 6,420 |
| Securities gains (losses) | $679,000 | 571 |
| Applicable income taxes | $439,000 | 3,257 |
| Income before extraordinary items | $708,000 | 4,973 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $708,000 | 4,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $273,440 | 6,935 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,734,000 | 4,685 |
| Total interest expense | $1,126,000 | 3,874 |
| Net interest income | $1,608,000 | 5,092 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $244,000 | 5,535 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $69,000 | 6,045 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $175,000 | 4,284 |
| Total noninterest expense | $1,557,000 | 4,459 |
| Salaries and employee benefits | $889,000 | 4,288 |
| Premises and equipment expense | $233,000 | 4,269 |
| Additional noninterest expense | $435,000 | 4,707 |
| Pre-tax net operating income | $295,000 | 6,529 |
| Securities gains (losses) | $663,000 | 483 |
| Applicable income taxes | $371,000 | 2,840 |
| Income before extraordinary items | $587,000 | 4,364 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $587,000 | 4,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $162,680 | 7,144 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,397,000 | 4,636 |
| Total interest expense | $575,000 | 3,886 |
| Net interest income | $822,000 | 4,993 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $139,000 | 5,078 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $34,000 | 6,012 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $105,000 | 3,842 |
| Total noninterest expense | $780,000 | 4,447 |
| Salaries and employee benefits | $443,000 | 4,291 |
| Premises and equipment expense | $119,000 | 4,200 |
| Additional noninterest expense | $218,000 | 4,659 |
| Pre-tax net operating income | $181,000 | 6,073 |
| Securities gains (losses) | $360,000 | 452 |
| Applicable income taxes | $212,000 | 2,592 |
| Income before extraordinary items | $329,000 | 3,980 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $329,000 | 3,978 |
| 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 | $98,600 | 6,773 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,291,000 | 4,420 |
| Total interest expense | $2,790,000 | 3,755 |
| Net interest income | $3,501,000 | 4,751 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $368,000 | 5,983 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $159,000 | 5,718 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $209,000 | 4,928 |
| Total noninterest expense | $2,906,000 | 4,563 |
| Salaries and employee benefits | $1,585,000 | 4,481 |
| Premises and equipment expense | $419,000 | 4,483 |
| Additional noninterest expense | $902,000 | 4,533 |
| Pre-tax net operating income | $963,000 | 5,304 |
| Securities gains (losses) | $570,000 | 614 |
| Applicable income taxes | $578,000 | 3,180 |
| Income before extraordinary items | $955,000 | 4,719 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $955,000 | 4,717 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,455 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $590,200 | 5,870 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,841,000 | 4,505 |
| Total interest expense | $3,765,000 | 3,981 |
| Net interest income | $3,076,000 | 4,975 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $364,000 | 5,924 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $158,000 | 5,693 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $206,000 | 4,863 |
| Total noninterest expense | $2,692,000 | 4,708 |
| Salaries and employee benefits | $1,413,000 | 4,722 |
| Premises and equipment expense | $422,000 | 4,425 |
| Additional noninterest expense | $857,000 | 4,563 |
| Pre-tax net operating income | $748,000 | 5,658 |
| Securities gains (losses) | $314,000 | 877 |
| Applicable income taxes | $384,000 | 3,815 |
| Income before extraordinary items | $678,000 | 5,305 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $678,000 | 5,309 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,243 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $477,040 | 6,058 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $6,402,000 | 4,878 |
| Total interest expense | $3,395,000 | 4,484 |
| Net interest income | $3,007,000 | 5,156 |
| Provision for loan and lease losses | $-21,000 | 9,728 |
| Total noninterest income | $300,000 | 6,311 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $165,000 | 5,560 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,731 |
| Total noninterest expense | $2,599,000 | 4,726 |
| Salaries and employee benefits | $1,365,000 | 4,711 |
| Premises and equipment expense | $419,000 | 4,357 |
| Additional noninterest expense | $815,000 | 4,670 |
| Pre-tax net operating income | $729,000 | 6,120 |
| Securities gains (losses) | $32,000 | 827 |
| Applicable income taxes | $261,000 | 4,889 |
| Income before extraordinary items | $500,000 | 6,323 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $500,000 | 6,321 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 9,408 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $478,880 | 6,453 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,035,000 | 4,933 |
| Total interest expense | $3,144,000 | 4,428 |
| Net interest income | $2,891,000 | 5,306 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $301,000 | 6,430 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $187,000 | 5,297 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $114,000 | 6,314 |
| Total noninterest expense | $2,533,000 | 4,833 |
| Salaries and employee benefits | $1,358,000 | 4,702 |
| Premises and equipment expense | $375,000 | 4,738 |
| Additional noninterest expense | $800,000 | 4,784 |
| Pre-tax net operating income | $659,000 | 6,484 |
| Securities gains (losses) | $2,000 | 2,566 |
| Applicable income taxes | $238,000 | 5,330 |
| Income before extraordinary items | $423,000 | 6,858 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $423,000 | 6,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $421,720 | 6,836 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,104,000 | 4,939 |
| Total interest expense | $3,232,000 | 4,444 |
| Net interest income | $2,872,000 | 5,297 |
| Provision for loan and lease losses | $9,000 | 8,310 |
| Total noninterest income | $410,000 | 5,531 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,017 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $200,000 | 4,955 |
| Total noninterest expense | $2,459,000 | 4,827 |
| Salaries and employee benefits | $1,344,000 | 4,638 |
| Premises and equipment expense | $358,000 | 4,808 |
| Additional noninterest expense | $757,000 | 4,864 |
| Pre-tax net operating income | $814,000 | 6,041 |
| Securities gains (losses) | $40,000 | 1,906 |
| Applicable income taxes | $307,000 | 5,109 |
| Income before extraordinary items | $547,000 | 6,341 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $547,000 | 6,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 5,546 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $521,400 | 6,369 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,933,000 | 5,115 |
| Total interest expense | $3,140,000 | 4,533 |
| Net interest income | $2,793,000 | 5,591 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $341,000 | 6,241 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 4,964 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,392 |
| Total noninterest expense | $2,440,000 | 4,872 |
| Salaries and employee benefits | $1,294,000 | 4,800 |
| Premises and equipment expense | $386,000 | 4,562 |
| Additional noninterest expense | $760,000 | 4,921 |
| Pre-tax net operating income | $694,000 | 6,997 |
| Securities gains (losses) | $23,000 | 1,798 |
| Applicable income taxes | $300,000 | 5,716 |
| Income before extraordinary items | $417,000 | 7,526 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $417,000 | 7,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,177 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $402,280 | 7,566 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,682,000 | 5,383 |
| Total interest expense | $3,011,000 | 4,773 |
| Net interest income | $2,671,000 | 5,927 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $300,000 | 6,939 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,152 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $74,000 | 7,943 |
| Total noninterest expense | $2,366,000 | 5,237 |
| Salaries and employee benefits | $1,251,000 | 5,014 |
| Premises and equipment expense | $386,000 | 4,667 |
| Additional noninterest expense | $729,000 | 5,576 |
| Pre-tax net operating income | $605,000 | 7,395 |
| Securities gains (losses) | $188,000 | 723 |
| Applicable income taxes | $291,000 | 5,930 |
| Income before extraordinary items | $502,000 | 6,893 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $502,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 5,641 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $381,680 | 7,715 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,386,000 | 5,670 |
| Total interest expense | $2,682,000 | 5,260 |
| Net interest income | $2,704,000 | 5,962 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $354,000 | 6,436 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,941 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $103,000 | 7,140 |
| Total noninterest expense | $2,467,000 | 5,052 |
| Salaries and employee benefits | $1,274,000 | 4,942 |
| Premises and equipment expense | $360,000 | 4,928 |
| Additional noninterest expense | $833,000 | 5,090 |
| Pre-tax net operating income | $591,000 | 7,917 |
| Securities gains (losses) | $31,000 | 1,605 |
| Applicable income taxes | $260,000 | 6,512 |
| Income before extraordinary items | $362,000 | 8,374 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $362,000 | 8,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,801 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $342,160 | 8,515 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,432,000 | 6,215 |
| Total interest expense | $1,874,000 | 5,892 |
| Net interest income | $2,558,000 | 6,351 |
| Provision for loan and lease losses | $10,000 | 8,460 |
| Total noninterest income | $441,000 | 5,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $264,000 | 4,831 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 5,670 |
| Total noninterest expense | $2,474,000 | 5,209 |
| Salaries and employee benefits | $1,248,000 | 5,067 |
| Premises and equipment expense | $332,000 | 5,275 |
| Additional noninterest expense | $894,000 | 5,195 |
| Pre-tax net operating income | $515,000 | 8,557 |
| Securities gains (losses) | $59,000 | 1,053 |
| Applicable income taxes | $140,000 | 8,513 |
| Income before extraordinary items | $434,000 | 7,854 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $434,000 | 7,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 4,047 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $389,160 | 8,336 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,739,000 | 6,047 |
| Total interest expense | $2,006,000 | 5,817 |
| Net interest income | $2,733,000 | 6,105 |
| Provision for loan and lease losses | $60,000 | 6,949 |
| Total noninterest income | $495,000 | 5,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 5,087 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $243,000 | 5,083 |
| Total noninterest expense | $2,727,000 | 4,884 |
| Salaries and employee benefits | $1,223,000 | 5,148 |
| Premises and equipment expense | $318,000 | 5,587 |
| Additional noninterest expense | $1,186,000 | 4,229 |
| Pre-tax net operating income | $441,000 | 9,093 |
| Securities gains (losses) | $359,000 | 1,132 |
| Applicable income taxes | $273,000 | 6,440 |
| Income before extraordinary items | $527,000 | 7,332 |
| Extraordinary gains, net | $238,000 | 877 |
| Net income | $765,000 | 5,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $157,000 | 3,580 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $290,060 | 9,334 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $5,765,000 | 5,675 |
| Total interest expense | $2,865,000 | 5,358 |
| Net interest income | $2,900,000 | 5,872 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $352,000 | 7,085 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $226,000 | 5,500 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $126,000 | 7,283 |
| Total noninterest expense | $3,072,000 | 4,424 |
| Salaries and employee benefits | $1,303,000 | 4,814 |
| Premises and equipment expense | $326,000 | 5,645 |
| Additional noninterest expense | $1,443,000 | 3,713 |
| Pre-tax net operating income | $60,000 | 12,351 |
| Securities gains (losses) | $235,000 | 1,803 |
| Applicable income taxes | $141,000 | 8,864 |
| Income before extraordinary items | $154,000 | 11,216 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $154,000 | 11,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 3,151 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,600 | 12,642 |
* 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.