Home > Edens Bank > Income and Expense
Edens Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $12,854,000 | 2,335 |
| Total interest expense | $3,003,000 | 2,602 |
| Net interest income | $9,851,000 | 2,231 |
| Provision for loan and lease losses | $8,403,000 | 770 |
| Total noninterest income | $410,000 | 4,926 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $491,000 | 2,676 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-81,000 | 7,162 |
| Total noninterest expense | $7,332,000 | 2,630 |
| Salaries and employee benefits | $3,136,000 | 2,992 |
| Premises and equipment expense | $891,000 | 2,724 |
| Additional noninterest expense | $3,305,000 | 2,105 |
| Pre-tax net operating income | $-5,474,000 | 7,143 |
| Securities gains (losses) | $232,000 | 1,467 |
| Applicable income taxes | $-1,847,000 | 7,438 |
| Income before extraordinary items | $-3,395,000 | 7,044 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-3,395,000 | 7,044 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-3,395,000 | 7,045 |
| Net charge-offs | $5,655,000 | 920 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $-3,545,800 | 7,040 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $9,978,000 | 2,317 |
| Total interest expense | $2,501,000 | 2,475 |
| Net interest income | $7,477,000 | 2,226 |
| Provision for loan and lease losses | $6,035,000 | 757 |
| Total noninterest income | $738,000 | 3,301 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $360,000 | 2,774 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $378,000 | 3,193 |
| Total noninterest expense | $5,316,000 | 2,697 |
| Salaries and employee benefits | $2,350,000 | 3,022 |
| Premises and equipment expense | $771,000 | 2,466 |
| Additional noninterest expense | $2,195,000 | 2,299 |
| Pre-tax net operating income | $-3,136,000 | 7,221 |
| Securities gains (losses) | $193,000 | 1,403 |
| Applicable income taxes | $-1,045,000 | 7,507 |
| Income before extraordinary items | $-1,898,000 | 7,116 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-1,898,000 | 7,114 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-1,898,000 | 7,116 |
| Net charge-offs | $2,975,000 | 1,150 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $-2,021,520 | 7,111 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $6,658,000 | 2,345 |
| Total interest expense | $1,815,000 | 2,362 |
| Net interest income | $4,843,000 | 2,305 |
| Provision for loan and lease losses | $4,435,000 | 702 |
| Total noninterest income | $507,000 | 3,200 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $234,000 | 2,850 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $273,000 | 2,993 |
| Total noninterest expense | $3,248,000 | 2,907 |
| Salaries and employee benefits | $1,544,000 | 3,072 |
| Premises and equipment expense | $376,000 | 3,195 |
| Additional noninterest expense | $1,328,000 | 2,489 |
| Pre-tax net operating income | $-2,333,000 | 7,325 |
| Securities gains (losses) | $15,000 | 2,470 |
| Applicable income taxes | $-797,000 | 7,575 |
| Income before extraordinary items | $-1,521,000 | 7,246 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-1,521,000 | 7,245 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-1,521,000 | 7,246 |
| Net charge-offs | $1,809,000 | 1,214 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,530,900 | 7,242 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,428,000 | 2,342 |
| Total interest expense | $987,000 | 2,285 |
| Net interest income | $2,441,000 | 2,301 |
| Provision for loan and lease losses | $3,700,000 | 480 |
| Total noninterest income | $274,000 | 3,040 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $113,000 | 2,908 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $161,000 | 2,722 |
| Total noninterest expense | $1,552,000 | 3,063 |
| Salaries and employee benefits | $845,000 | 2,868 |
| Premises and equipment expense | $95,000 | 5,078 |
| Additional noninterest expense | $612,000 | 2,666 |
| Pre-tax net operating income | $-2,537,000 | 7,655 |
| Securities gains (losses) | $5,000 | 1,894 |
| Applicable income taxes | $-824,000 | 7,770 |
| Income before extraordinary items | $-1,708,000 | 7,606 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,708,000 | 7,608 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,708,000 | 7,608 |
| Net charge-offs | $1,099,000 | 972 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,711,350 | 7,601 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $17,104,000 | 1,978 |
| Total interest expense | $5,991,000 | 1,923 |
| Net interest income | $11,113,000 | 1,985 |
| Provision for loan and lease losses | $6,112,000 | 1,226 |
| Total noninterest income | $1,134,000 | 3,095 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $608,000 | 2,518 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $526,000 | 3,124 |
| Total noninterest expense | $7,192,000 | 2,724 |
| Salaries and employee benefits | $3,699,000 | 2,638 |
| Premises and equipment expense | $1,625,000 | 1,667 |
| Additional noninterest expense | $1,868,000 | 3,508 |
| Pre-tax net operating income | $-1,057,000 | 6,277 |
| Securities gains (losses) | $18,000 | 3,082 |
| Applicable income taxes | $-528,000 | 7,056 |
| Income before extraordinary items | $-511,000 | 6,087 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-511,000 | 6,086 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-511,000 | 6,087 |
| Net charge-offs | $6,474,000 | 950 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-522,520 | 6,089 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,093,000 | 1,971 |
| Total interest expense | $4,760,000 | 1,911 |
| Net interest income | $8,333,000 | 1,980 |
| Provision for loan and lease losses | $3,862,000 | 1,263 |
| Total noninterest income | $946,000 | 2,923 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $458,000 | 2,524 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $488,000 | 2,854 |
| Total noninterest expense | $5,460,000 | 2,707 |
| Salaries and employee benefits | $2,910,000 | 2,536 |
| Premises and equipment expense | $1,202,000 | 1,711 |
| Additional noninterest expense | $1,348,000 | 3,558 |
| Pre-tax net operating income | $-43,000 | 5,777 |
| Securities gains (losses) | $15,000 | 2,847 |
| Applicable income taxes | $-179,000 | 7,074 |
| Income before extraordinary items | $151,000 | 5,078 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $151,000 | 5,079 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $151,000 | 5,079 |
| Net charge-offs | $1,050,000 | 2,154 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $141,400 | 5,070 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,712,000 | 2,009 |
| Total interest expense | $3,279,000 | 1,942 |
| Net interest income | $5,433,000 | 2,017 |
| Provision for loan and lease losses | $1,871,000 | 1,456 |
| Total noninterest income | $646,000 | 2,893 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $294,000 | 2,563 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $352,000 | 2,730 |
| Total noninterest expense | $3,568,000 | 2,783 |
| Salaries and employee benefits | $2,002,000 | 2,508 |
| Premises and equipment expense | $790,000 | 1,758 |
| Additional noninterest expense | $776,000 | 3,967 |
| Pre-tax net operating income | $640,000 | 2,911 |
| Securities gains (losses) | $15,000 | 2,438 |
| Applicable income taxes | $135,000 | 2,366 |
| Income before extraordinary items | $520,000 | 3,021 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $520,000 | 3,019 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $520,000 | 3,020 |
| Net charge-offs | $579,000 | 2,178 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $508,150 | 2,960 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,367,000 | 2,035 |
| Total interest expense | $1,685,000 | 1,966 |
| Net interest income | $2,682,000 | 2,038 |
| Provision for loan and lease losses | $150,000 | 3,210 |
| Total noninterest income | $309,000 | 2,967 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $161,000 | 2,315 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $148,000 | 2,984 |
| Total noninterest expense | $1,834,000 | 2,630 |
| Salaries and employee benefits | $1,025,000 | 2,497 |
| Premises and equipment expense | $403,000 | 1,754 |
| Additional noninterest expense | $406,000 | 3,539 |
| Pre-tax net operating income | $1,007,000 | 1,278 |
| Securities gains (losses) | $15,000 | 1,797 |
| Applicable income taxes | $340,000 | 952 |
| Income before extraordinary items | $682,000 | 1,580 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $682,000 | 1,581 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $682,000 | 1,582 |
| Net charge-offs | $222,000 | 2,060 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $671,950 | 1,523 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,905,000 | 2,012 |
| Total interest expense | $7,952,000 | 1,984 |
| Net interest income | $10,953,000 | 2,025 |
| Provision for loan and lease losses | $636,000 | 3,403 |
| Total noninterest income | $1,018,000 | 3,369 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $553,000 | 2,801 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $465,000 | 3,312 |
| Total noninterest expense | $7,223,000 | 2,612 |
| Salaries and employee benefits | $3,983,000 | 2,523 |
| Premises and equipment expense | $1,623,000 | 1,699 |
| Additional noninterest expense | $1,617,000 | 3,437 |
| Pre-tax net operating income | $4,112,000 | 1,325 |
| Securities gains (losses) | $29,000 | 1,954 |
| Applicable income taxes | $1,313,000 | 959 |
| Income before extraordinary items | $2,828,000 | 1,448 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,828,000 | 1,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $369,000 | 3,237 |
| Cash dividends | $1,520,000 | 1,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $2,808,280 | 1,556 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,368,000 | 2,028 |
| Total interest expense | $6,190,000 | 2,000 |
| Net interest income | $8,178,000 | 2,048 |
| Provision for loan and lease losses | $211,000 | 4,118 |
| Total noninterest income | $785,000 | 3,380 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $412,000 | 2,830 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $373,000 | 3,300 |
| Total noninterest expense | $4,858,000 | 2,837 |
| Salaries and employee benefits | $2,608,000 | 2,864 |
| Premises and equipment expense | $1,182,000 | 1,746 |
| Additional noninterest expense | $1,068,000 | 3,695 |
| Pre-tax net operating income | $3,894,000 | 1,280 |
| Securities gains (losses) | $24,000 | 1,901 |
| Applicable income taxes | $1,272,000 | 950 |
| Income before extraordinary items | $2,646,000 | 1,399 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,646,000 | 1,396 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $315,000 | 2,499 |
| Cash dividends | $1,520,000 | 1,289 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,629,680 | 1,483 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,738,000 | 2,032 |
| Total interest expense | $4,243,000 | 2,033 |
| Net interest income | $5,495,000 | 2,029 |
| Provision for loan and lease losses | $71,000 | 4,746 |
| Total noninterest income | $523,000 | 3,418 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $264,000 | 2,888 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $259,000 | 3,291 |
| Total noninterest expense | $3,623,000 | 2,603 |
| Salaries and employee benefits | $2,076,000 | 2,484 |
| Premises and equipment expense | $815,000 | 1,697 |
| Additional noninterest expense | $732,000 | 3,597 |
| Pre-tax net operating income | $2,324,000 | 1,475 |
| Securities gains (losses) | $24,000 | 1,934 |
| Applicable income taxes | $731,000 | 1,192 |
| Income before extraordinary items | $1,617,000 | 1,676 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,617,000 | 1,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $98,000 | 3,056 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,600,440 | 1,663 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,942,000 | 2,059 |
| Total interest expense | $2,202,000 | 2,079 |
| Net interest income | $2,740,000 | 2,037 |
| Provision for loan and lease losses | $14,000 | 5,280 |
| Total noninterest income | $230,000 | 3,701 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $123,000 | 3,001 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $107,000 | 3,641 |
| Total noninterest expense | $1,780,000 | 2,644 |
| Salaries and employee benefits | $1,044,000 | 2,489 |
| Premises and equipment expense | $399,000 | 1,731 |
| Additional noninterest expense | $337,000 | 3,774 |
| Pre-tax net operating income | $1,176,000 | 1,547 |
| Securities gains (losses) | $24,000 | 1,506 |
| Applicable income taxes | $377,000 | 1,246 |
| Income before extraordinary items | $823,000 | 1,771 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $823,000 | 1,773 |
| 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 | $806,440 | 1,734 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,256,000 | 2,073 |
| Total interest expense | $9,853,000 | 1,965 |
| Net interest income | $10,403,000 | 2,173 |
| Provision for loan and lease losses | $45,000 | 5,768 |
| Total noninterest income | $1,015,000 | 3,509 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $574,000 | 2,770 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $441,000 | 3,548 |
| Total noninterest expense | $6,402,000 | 2,793 |
| Salaries and employee benefits | $3,829,000 | 2,592 |
| Premises and equipment expense | $1,380,000 | 1,891 |
| Additional noninterest expense | $1,193,000 | 4,087 |
| Pre-tax net operating income | $4,971,000 | 1,653 |
| Securities gains (losses) | $1,000 | 1,983 |
| Applicable income taxes | $1,871,000 | 1,188 |
| Income before extraordinary items | $3,101,000 | 1,988 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,101,000 | 1,987 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,543 |
| Cash dividends | $800,000 | 2,954 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,100,360 | 1,973 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,274,000 | 2,064 |
| Total interest expense | $7,700,000 | 1,917 |
| Net interest income | $7,574,000 | 2,243 |
| Provision for loan and lease losses | $30,000 | 5,532 |
| Total noninterest income | $752,000 | 3,532 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $420,000 | 2,798 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $332,000 | 3,558 |
| Total noninterest expense | $4,782,000 | 2,772 |
| Salaries and employee benefits | $2,772,000 | 2,663 |
| Premises and equipment expense | $1,008,000 | 1,931 |
| Additional noninterest expense | $1,002,000 | 3,689 |
| Pre-tax net operating income | $3,514,000 | 1,849 |
| Securities gains (losses) | $1,000 | 1,492 |
| Applicable income taxes | $1,324,000 | 1,346 |
| Income before extraordinary items | $2,191,000 | 2,196 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,191,000 | 2,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,769 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,190,360 | 2,186 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,169,000 | 2,077 |
| Total interest expense | $5,328,000 | 1,866 |
| Net interest income | $4,841,000 | 2,343 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $539,000 | 3,402 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $281,000 | 2,791 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $258,000 | 3,281 |
| Total noninterest expense | $3,188,000 | 2,805 |
| Salaries and employee benefits | $1,847,000 | 2,697 |
| Premises and equipment expense | $703,000 | 1,869 |
| Additional noninterest expense | $638,000 | 3,834 |
| Pre-tax net operating income | $2,162,000 | 2,030 |
| Securities gains (losses) | $1,000 | 1,305 |
| Applicable income taxes | $809,000 | 1,480 |
| Income before extraordinary items | $1,354,000 | 2,393 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,354,000 | 2,393 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,675 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,353,360 | 2,376 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,999,000 | 2,108 |
| Total interest expense | $2,616,000 | 1,873 |
| Net interest income | $2,383,000 | 2,383 |
| Provision for loan and lease losses | $30,000 | 3,737 |
| Total noninterest income | $266,000 | 3,376 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $141,000 | 2,722 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $125,000 | 3,340 |
| Total noninterest expense | $1,519,000 | 2,951 |
| Salaries and employee benefits | $927,000 | 2,726 |
| Premises and equipment expense | $320,000 | 2,040 |
| Additional noninterest expense | $272,000 | 4,256 |
| Pre-tax net operating income | $1,100,000 | 2,005 |
| Securities gains (losses) | $1,000 | 1,055 |
| Applicable income taxes | $419,000 | 1,473 |
| Income before extraordinary items | $682,000 | 2,380 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $682,000 | 2,379 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $681,360 | 2,372 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $18,622,000 | 2,117 |
| Total interest expense | $8,363,000 | 1,971 |
| Net interest income | $10,259,000 | 2,249 |
| Provision for loan and lease losses | $528,000 | 1,816 |
| Total noninterest income | $898,000 | 3,783 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $656,000 | 2,503 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $242,000 | 4,724 |
| Total noninterest expense | $5,535,000 | 3,067 |
| Salaries and employee benefits | $3,497,000 | 2,736 |
| Premises and equipment expense | $1,071,000 | 2,313 |
| Additional noninterest expense | $967,000 | 4,621 |
| Pre-tax net operating income | $5,094,000 | 1,844 |
| Securities gains (losses) | $1,000 | 1,542 |
| Applicable income taxes | $1,893,000 | 1,393 |
| Income before extraordinary items | $3,202,000 | 2,155 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,202,000 | 2,156 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 2,408 |
| Cash dividends | $800,000 | 2,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,201,360 | 2,147 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $13,519,000 | 2,166 |
| Total interest expense | $5,905,000 | 2,017 |
| Net interest income | $7,614,000 | 2,281 |
| Provision for loan and lease losses | $432,000 | 1,595 |
| Total noninterest income | $622,000 | 3,977 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $483,000 | 2,555 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $139,000 | 5,268 |
| Total noninterest expense | $4,059,000 | 3,128 |
| Salaries and employee benefits | $2,432,000 | 2,913 |
| Premises and equipment expense | $772,000 | 2,413 |
| Additional noninterest expense | $855,000 | 4,064 |
| Pre-tax net operating income | $3,745,000 | 1,941 |
| Securities gains (losses) | $1,000 | 1,261 |
| Applicable income taxes | $1,383,000 | 1,478 |
| Income before extraordinary items | $2,363,000 | 2,252 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,363,000 | 2,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,656 |
| Cash dividends | $800,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,362,360 | 2,240 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,701,000 | 2,206 |
| Total interest expense | $3,699,000 | 2,026 |
| Net interest income | $5,002,000 | 2,328 |
| Provision for loan and lease losses | $288,000 | 1,581 |
| Total noninterest income | $409,000 | 4,003 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $319,000 | 2,544 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $90,000 | 5,350 |
| Total noninterest expense | $2,666,000 | 3,171 |
| Salaries and employee benefits | $1,589,000 | 2,981 |
| Premises and equipment expense | $526,000 | 2,352 |
| Additional noninterest expense | $551,000 | 4,178 |
| Pre-tax net operating income | $2,457,000 | 1,980 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $892,000 | 1,530 |
| Income before extraordinary items | $1,565,000 | 2,266 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,565,000 | 2,269 |
| 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 | $1,565,000 | 2,250 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $4,153,000 | 2,252 |
| Total interest expense | $1,710,000 | 2,086 |
| Net interest income | $2,443,000 | 2,374 |
| Provision for loan and lease losses | $144,000 | 1,529 |
| Total noninterest income | $196,000 | 4,032 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $154,000 | 2,544 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $42,000 | 5,444 |
| Total noninterest expense | $1,328,000 | 3,198 |
| Salaries and employee benefits | $792,000 | 2,997 |
| Premises and equipment expense | $284,000 | 2,197 |
| Additional noninterest expense | $252,000 | 4,448 |
| Pre-tax net operating income | $1,167,000 | 2,023 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $410,000 | 1,625 |
| Income before extraordinary items | $757,000 | 2,304 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $757,000 | 2,305 |
| 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 | $757,000 | 2,279 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $14,678,000 | 2,261 |
| Total interest expense | $4,915,000 | 2,229 |
| Net interest income | $9,763,000 | 2,269 |
| Provision for loan and lease losses | $512,000 | 1,863 |
| Total noninterest income | $862,000 | 3,881 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $651,000 | 2,488 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $211,000 | 5,056 |
| Total noninterest expense | $4,741,000 | 3,384 |
| Salaries and employee benefits | $2,878,000 | 3,081 |
| Premises and equipment expense | $809,000 | 2,868 |
| Additional noninterest expense | $1,054,000 | 4,233 |
| Pre-tax net operating income | $5,372,000 | 1,739 |
| Securities gains (losses) | $5,000 | 1,712 |
| Applicable income taxes | $1,975,000 | 1,377 |
| Income before extraordinary items | $3,402,000 | 2,017 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,402,000 | 2,018 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-33,000 | 8,382 |
| Cash dividends | $2,640,000 | 1,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,398,800 | 1,991 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $10,805,000 | 2,247 |
| Total interest expense | $3,416,000 | 2,274 |
| Net interest income | $7,389,000 | 2,221 |
| Provision for loan and lease losses | $368,000 | 1,839 |
| Total noninterest income | $647,000 | 3,893 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $481,000 | 2,516 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $166,000 | 5,002 |
| Total noninterest expense | $3,702,000 | 3,245 |
| Salaries and employee benefits | $2,160,000 | 3,049 |
| Premises and equipment expense | $697,000 | 2,518 |
| Additional noninterest expense | $845,000 | 4,016 |
| Pre-tax net operating income | $3,966,000 | 1,781 |
| Securities gains (losses) | $4,000 | 1,810 |
| Applicable income taxes | $1,469,000 | 1,406 |
| Income before extraordinary items | $2,501,000 | 2,061 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,501,000 | 2,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-67,000 | 8,528 |
| Cash dividends | $2,640,000 | 835 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,498,440 | 2,031 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $6,945,000 | 2,270 |
| Total interest expense | $2,120,000 | 2,306 |
| Net interest income | $4,825,000 | 2,243 |
| Provision for loan and lease losses | $272,000 | 1,665 |
| Total noninterest income | $450,000 | 3,769 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $328,000 | 2,437 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $122,000 | 4,775 |
| Total noninterest expense | $2,495,000 | 3,200 |
| Salaries and employee benefits | $1,466,000 | 2,983 |
| Premises and equipment expense | $433,000 | 2,646 |
| Additional noninterest expense | $596,000 | 3,825 |
| Pre-tax net operating income | $2,508,000 | 1,834 |
| Securities gains (losses) | $3,000 | 1,754 |
| Applicable income taxes | $923,000 | 1,455 |
| Income before extraordinary items | $1,588,000 | 2,130 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,588,000 | 2,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,660 |
| Cash dividends | $640,000 | 1,862 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,586,080 | 2,095 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,379,000 | 2,282 |
| Total interest expense | $1,006,000 | 2,322 |
| Net interest income | $2,373,000 | 2,264 |
| Provision for loan and lease losses | $128,000 | 1,656 |
| Total noninterest income | $205,000 | 3,914 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $157,000 | 2,463 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $1,195,000 | 3,319 |
| Salaries and employee benefits | $693,000 | 3,149 |
| Premises and equipment expense | $206,000 | 2,807 |
| Additional noninterest expense | $296,000 | 3,846 |
| Pre-tax net operating income | $1,255,000 | 1,800 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $456,000 | 1,451 |
| Income before extraordinary items | $801,000 | 2,076 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $801,000 | 2,077 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $640,000 | 985 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $799,720 | 2,046 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $11,060,000 | 2,576 |
| Total interest expense | $2,767,000 | 2,796 |
| Net interest income | $8,293,000 | 2,470 |
| Provision for loan and lease losses | $345,000 | 2,653 |
| Total noninterest income | $978,000 | 3,612 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $742,000 | 2,272 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $236,000 | 4,752 |
| Total noninterest expense | $4,047,000 | 3,707 |
| Salaries and employee benefits | $2,273,000 | 3,608 |
| Premises and equipment expense | $574,000 | 3,666 |
| Additional noninterest expense | $1,200,000 | 3,743 |
| Pre-tax net operating income | $4,879,000 | 1,738 |
| Securities gains (losses) | $18,000 | 2,469 |
| Applicable income taxes | $1,795,000 | 1,403 |
| Income before extraordinary items | $3,102,000 | 2,019 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,102,000 | 2,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,090,480 | 1,977 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,912,000 | 2,664 |
| Total interest expense | $1,816,000 | 3,083 |
| Net interest income | $6,096,000 | 2,484 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $763,000 | 3,523 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $574,000 | 2,237 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $189,000 | 4,621 |
| Total noninterest expense | $3,085,000 | 3,628 |
| Salaries and employee benefits | $1,683,000 | 3,626 |
| Premises and equipment expense | $496,000 | 3,274 |
| Additional noninterest expense | $906,000 | 3,698 |
| Pre-tax net operating income | $3,549,000 | 1,787 |
| Securities gains (losses) | $15,000 | 2,477 |
| Applicable income taxes | $1,192,000 | 1,549 |
| Income before extraordinary items | $2,372,000 | 1,985 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,372,000 | 1,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,361,950 | 1,941 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,135,000 | 2,717 |
| Total interest expense | $1,171,000 | 3,147 |
| Net interest income | $3,964,000 | 2,507 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $491,000 | 3,616 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $384,000 | 2,222 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $107,000 | 5,031 |
| Total noninterest expense | $2,014,000 | 3,718 |
| Salaries and employee benefits | $1,127,000 | 3,627 |
| Premises and equipment expense | $333,000 | 3,263 |
| Additional noninterest expense | $554,000 | 3,990 |
| Pre-tax net operating income | $2,291,000 | 1,827 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $768,000 | 1,575 |
| Income before extraordinary items | $1,530,000 | 2,039 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,530,000 | 2,040 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,525,310 | 1,990 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 2,782 |
| Total interest expense | $566,000 | 3,269 |
| Net interest income | $1,939,000 | 2,557 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $241,000 | 3,609 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $191,000 | 2,170 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $50,000 | 5,122 |
| Total noninterest expense | $1,000,000 | 3,760 |
| Salaries and employee benefits | $583,000 | 3,563 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $260,000 | 4,185 |
| Pre-tax net operating income | $1,105,000 | 1,848 |
| Securities gains (losses) | $6,000 | 2,267 |
| Applicable income taxes | $372,000 | 1,663 |
| Income before extraordinary items | $739,000 | 2,072 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $739,000 | 2,072 |
| 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 | $734,980 | 2,004 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $10,182,000 | 2,783 |
| Total interest expense | $2,695,000 | 3,150 |
| Net interest income | $7,487,000 | 2,576 |
| Provision for loan and lease losses | $300,000 | 3,140 |
| Total noninterest income | $1,344,000 | 3,058 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $844,000 | 2,030 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $500,000 | 3,584 |
| Total noninterest expense | $4,340,000 | 3,463 |
| Salaries and employee benefits | $2,550,000 | 3,231 |
| Premises and equipment expense | $697,000 | 3,093 |
| Additional noninterest expense | $1,093,000 | 3,993 |
| Pre-tax net operating income | $4,191,000 | 1,906 |
| Securities gains (losses) | $20,000 | 3,211 |
| Applicable income taxes | $1,396,000 | 1,722 |
| Income before extraordinary items | $2,815,000 | 2,158 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,815,000 | 2,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,310 |
| Cash dividends | $480,000 | 3,618 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,801,600 | 2,069 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $7,587,000 | 2,829 |
| Total interest expense | $2,094,000 | 3,168 |
| Net interest income | $5,493,000 | 2,659 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $1,064,000 | 3,005 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $637,000 | 2,023 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $427,000 | 3,416 |
| Total noninterest expense | $3,264,000 | 3,443 |
| Salaries and employee benefits | $1,927,000 | 3,202 |
| Premises and equipment expense | $518,000 | 3,127 |
| Additional noninterest expense | $819,000 | 3,994 |
| Pre-tax net operating income | $3,068,000 | 2,013 |
| Securities gains (losses) | $18,000 | 3,018 |
| Applicable income taxes | $1,019,000 | 1,832 |
| Income before extraordinary items | $2,067,000 | 2,266 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,067,000 | 2,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $480,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,054,940 | 2,160 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,093,000 | 2,837 |
| Total interest expense | $1,427,000 | 3,204 |
| Net interest income | $3,666,000 | 2,657 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $718,000 | 2,957 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $413,000 | 2,038 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $305,000 | 3,261 |
| Total noninterest expense | $2,080,000 | 3,570 |
| Salaries and employee benefits | $1,296,000 | 3,151 |
| Premises and equipment expense | $253,000 | 4,005 |
| Additional noninterest expense | $531,000 | 4,046 |
| Pre-tax net operating income | $2,154,000 | 1,918 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $767,000 | 1,683 |
| Income before extraordinary items | $1,388,000 | 2,254 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,388,000 | 2,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,334 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,387,360 | 2,134 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,550,000 | 2,848 |
| Total interest expense | $739,000 | 3,157 |
| Net interest income | $1,811,000 | 2,670 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $385,000 | 2,743 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $205,000 | 1,981 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $180,000 | 2,901 |
| Total noninterest expense | $1,070,000 | 3,473 |
| Salaries and employee benefits | $665,000 | 3,089 |
| Premises and equipment expense | $121,000 | 4,122 |
| Additional noninterest expense | $284,000 | 3,816 |
| Pre-tax net operating income | $1,051,000 | 1,951 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $345,000 | 1,840 |
| Income before extraordinary items | $706,000 | 2,175 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $706,000 | 2,173 |
| 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 | $706,000 | 2,062 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $9,655,000 | 3,115 |
| Total interest expense | $3,097,000 | 3,456 |
| Net interest income | $6,558,000 | 2,908 |
| Provision for loan and lease losses | $240,000 | 3,935 |
| Total noninterest income | $1,345,000 | 2,839 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $801,000 | 1,990 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $544,000 | 3,135 |
| Total noninterest expense | $3,943,000 | 3,600 |
| Salaries and employee benefits | $2,204,000 | 3,452 |
| Premises and equipment expense | $537,000 | 3,736 |
| Additional noninterest expense | $1,202,000 | 3,600 |
| Pre-tax net operating income | $3,720,000 | 2,108 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,215,000 | 1,930 |
| Income before extraordinary items | $2,505,000 | 2,345 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $2,505,000 | 2,344 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,916 |
| Cash dividends | $240,000 | 4,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $2,505,000 | 2,268 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,191,000 | 3,570 |
| Total interest expense | $4,258,000 | 3,613 |
| Net interest income | $4,933,000 | 3,469 |
| Provision for loan and lease losses | $186,000 | 4,286 |
| Total noninterest income | $1,139,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $784,000 | 1,941 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $355,000 | 3,780 |
| Total noninterest expense | $3,487,000 | 3,839 |
| Salaries and employee benefits | $1,888,000 | 3,754 |
| Premises and equipment expense | $606,000 | 3,327 |
| Additional noninterest expense | $993,000 | 4,087 |
| Pre-tax net operating income | $2,399,000 | 2,747 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $739,000 | 2,575 |
| Income before extraordinary items | $1,660,000 | 2,988 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,660,000 | 2,991 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,648 |
| Cash dividends | $320,000 | 4,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,660,000 | 2,884 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,518,000 | 3,927 |
| Total interest expense | $4,145,000 | 3,865 |
| Net interest income | $4,373,000 | 3,899 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $1,079,000 | 2,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $802,000 | 1,727 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $277,000 | 4,085 |
| Total noninterest expense | $3,056,000 | 4,166 |
| Salaries and employee benefits | $1,512,000 | 4,336 |
| Premises and equipment expense | $683,000 | 2,926 |
| Additional noninterest expense | $861,000 | 4,496 |
| Pre-tax net operating income | $2,276,000 | 3,010 |
| Securities gains (losses) | $7,000 | 1,253 |
| Applicable income taxes | $683,000 | 2,842 |
| Income before extraordinary items | $1,600,000 | 3,090 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,600,000 | 3,088 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,338 |
| Cash dividends | $880,000 | 2,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,595,100 | 3,093 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,228,000 | 4,827 |
| Total interest expense | $2,526,000 | 5,161 |
| Net interest income | $3,702,000 | 4,461 |
| Provision for loan and lease losses | $77,000 | 5,736 |
| Total noninterest income | $935,000 | 3,248 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $628,000 | 2,118 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $307,000 | 3,969 |
| Total noninterest expense | $2,808,000 | 4,459 |
| Salaries and employee benefits | $1,425,000 | 4,526 |
| Premises and equipment expense | $629,000 | 3,124 |
| Additional noninterest expense | $754,000 | 4,996 |
| Pre-tax net operating income | $1,752,000 | 3,691 |
| Securities gains (losses) | $61,000 | 917 |
| Applicable income taxes | $510,000 | 3,602 |
| Income before extraordinary items | $1,303,000 | 3,639 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,303,000 | 3,640 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,307 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,259,080 | 3,688 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,762,000 | 5,155 |
| Total interest expense | $2,490,000 | 5,385 |
| Net interest income | $3,272,000 | 4,831 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $769,000 | 3,729 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $556,000 | 2,320 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $213,000 | 4,806 |
| Total noninterest expense | $2,536,000 | 4,727 |
| Salaries and employee benefits | $1,394,000 | 4,511 |
| Premises and equipment expense | $579,000 | 3,272 |
| Additional noninterest expense | $563,000 | 5,998 |
| Pre-tax net operating income | $1,505,000 | 4,175 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $404,000 | 4,388 |
| Income before extraordinary items | $1,101,000 | 4,178 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,101,000 | 4,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $80,000 | 6,486 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,101,000 | 4,093 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,714,000 | 5,252 |
| Total interest expense | $2,534,000 | 5,356 |
| Net interest income | $3,180,000 | 5,080 |
| Provision for loan and lease losses | $5,000 | 8,640 |
| Total noninterest income | $682,000 | 4,044 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $545,000 | 2,421 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 5,936 |
| Total noninterest expense | $2,541,000 | 4,728 |
| Salaries and employee benefits | $1,362,000 | 4,608 |
| Premises and equipment expense | $608,000 | 3,110 |
| Additional noninterest expense | $571,000 | 5,984 |
| Pre-tax net operating income | $1,316,000 | 4,919 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $329,000 | 5,475 |
| Income before extraordinary items | $1,005,000 | 4,689 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,005,000 | 4,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 10,459 |
| Cash dividends | $360,000 | 4,163 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $991,500 | 4,676 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,383,000 | 5,617 |
| Total interest expense | $2,377,000 | 5,713 |
| Net interest income | $3,006,000 | 5,434 |
| Provision for loan and lease losses | $100,000 | 5,070 |
| Total noninterest income | $509,000 | 5,092 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,241 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,288 |
| Total noninterest expense | $2,360,000 | 5,245 |
| Salaries and employee benefits | $1,321,000 | 4,794 |
| Premises and equipment expense | $583,000 | 3,299 |
| Additional noninterest expense | $456,000 | 7,412 |
| Pre-tax net operating income | $1,055,000 | 5,553 |
| Securities gains (losses) | $41,000 | 1,473 |
| Applicable income taxes | $270,000 | 6,178 |
| Income before extraordinary items | $826,000 | 5,190 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $826,000 | 5,190 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,667 |
| Cash dividends | $640,000 | 2,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $795,250 | 5,272 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $5,013,000 | 5,976 |
| Total interest expense | $2,078,000 | 6,303 |
| Net interest income | $2,935,000 | 5,597 |
| Provision for loan and lease losses | $300,000 | 2,267 |
| Total noninterest income | $602,000 | 4,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $465,000 | 2,923 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,244 |
| Total noninterest expense | $2,318,000 | 5,315 |
| Salaries and employee benefits | $1,197,000 | 5,226 |
| Premises and equipment expense | $605,000 | 3,189 |
| Additional noninterest expense | $516,000 | 7,128 |
| Pre-tax net operating income | $919,000 | 6,329 |
| Securities gains (losses) | $56,000 | 1,233 |
| Applicable income taxes | $268,000 | 6,400 |
| Income before extraordinary items | $707,000 | 5,944 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $707,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 2,724 |
| Cash dividends | $200,000 | 5,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $666,120 | 6,178 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,830,000 | 6,914 |
| Total interest expense | $1,187,000 | 7,956 |
| Net interest income | $2,643,000 | 6,186 |
| Provision for loan and lease losses | $300,000 | 2,237 |
| Total noninterest income | $477,000 | 5,469 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $398,000 | 3,390 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 8,286 |
| Total noninterest expense | $2,184,000 | 5,787 |
| Salaries and employee benefits | $1,137,000 | 5,497 |
| Premises and equipment expense | $531,000 | 3,608 |
| Additional noninterest expense | $516,000 | 7,697 |
| Pre-tax net operating income | $636,000 | 7,800 |
| Securities gains (losses) | $6,000 | 2,522 |
| Applicable income taxes | $138,000 | 8,551 |
| Income before extraordinary items | $504,000 | 7,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $504,000 | 7,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,558 |
| Cash dividends | $820,000 | 2,230 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $499,260 | 7,354 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,580,000 | 7,421 |
| Total interest expense | $1,167,000 | 8,411 |
| Net interest income | $2,413,000 | 6,711 |
| Provision for loan and lease losses | $280,000 | 3,154 |
| Total noninterest income | $523,000 | 5,440 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $439,000 | 3,163 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 8,451 |
| Total noninterest expense | $2,117,000 | 6,054 |
| Salaries and employee benefits | $1,023,000 | 5,995 |
| Premises and equipment expense | $485,000 | 3,974 |
| Additional noninterest expense | $609,000 | 7,251 |
| Pre-tax net operating income | $539,000 | 8,380 |
| Securities gains (losses) | $44,000 | 3,595 |
| Applicable income taxes | $113,000 | 9,447 |
| Income before extraordinary items | $470,000 | 7,796 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $470,000 | 7,971 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 3,398 |
| Cash dividends | $320,000 | 4,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $434,360 | 7,835 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,104,000 | 7,378 |
| Total interest expense | $1,787,000 | 7,657 |
| Net interest income | $2,317,000 | 6,967 |
| Provision for loan and lease losses | $130,000 | 6,495 |
| Total noninterest income | $475,000 | 5,842 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $392,000 | 3,557 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $83,000 | 8,724 |
| Total noninterest expense | $1,984,000 | 6,426 |
| Salaries and employee benefits | $879,000 | 6,742 |
| Premises and equipment expense | $469,000 | 4,204 |
| Additional noninterest expense | $636,000 | 7,207 |
| Pre-tax net operating income | $678,000 | 7,227 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $177,000 | 8,040 |
| Income before extraordinary items | $501,000 | 7,329 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $501,000 | 7,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 7,638 |
| Cash dividends | $320,000 | 3,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $501,000 | 6,945 |
* 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.