EFS Bank, Income and Expense
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $53,294,000 | 624 |
| Total interest expense | $26,817,000 | 451 |
| Net interest income | $26,477,000 | 797 |
| Provision for loan and lease losses | $895,000 | 1,162 |
| Total noninterest income | $5,375,000 | 1,031 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $2,997,000 | 562 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,378,000 | 1,195 |
| Total noninterest expense | $29,229,000 | 604 |
| Salaries and employee benefits | $11,543,000 | 779 |
| Premises and equipment expense | $2,445,000 | 987 |
| Additional noninterest expense | $15,241,000 | 415 |
| Pre-tax net operating income | $1,728,000 | 4,050 |
| Securities gains (losses) | $-59,000 | 8,247 |
| Applicable income taxes | $-403,000 | 8,748 |
| Income before extraordinary items | $2,072,000 | 3,008 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,072,000 | 3,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $178,000 | 2,461 |
| Cash dividends | $2,929,000 | 1,060 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,131,000 | 2,904 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $39,279,000 | 618 |
| Total interest expense | $19,586,000 | 436 |
| Net interest income | $19,693,000 | 799 |
| Provision for loan and lease losses | $670,000 | 1,115 |
| Total noninterest income | $4,266,000 | 992 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $2,218,000 | 569 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,048,000 | 1,100 |
| Total noninterest expense | $19,570,000 | 654 |
| Salaries and employee benefits | $8,556,000 | 783 |
| Premises and equipment expense | $1,830,000 | 974 |
| Additional noninterest expense | $9,184,000 | 468 |
| Pre-tax net operating income | $3,719,000 | 1,880 |
| Securities gains (losses) | $209,000 | 465 |
| Applicable income taxes | $714,000 | 2,365 |
| Income before extraordinary items | $3,214,000 | 1,634 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,214,000 | 1,636 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 2,414 |
| Cash dividends | $2,183,000 | 984 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $3,042,620 | 1,701 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $25,701,000 | 610 |
| Total interest expense | $12,641,000 | 421 |
| Net interest income | $13,060,000 | 798 |
| Provision for loan and lease losses | $445,000 | 1,096 |
| Total noninterest income | $2,768,000 | 995 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,376,000 | 602 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,392,000 | 1,061 |
| Total noninterest expense | $10,821,000 | 775 |
| Salaries and employee benefits | $5,695,000 | 778 |
| Premises and equipment expense | $1,228,000 | 949 |
| Additional noninterest expense | $3,898,000 | 678 |
| Pre-tax net operating income | $4,562,000 | 1,036 |
| Securities gains (losses) | $209,000 | 398 |
| Applicable income taxes | $1,285,000 | 1,086 |
| Income before extraordinary items | $3,486,000 | 999 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,486,000 | 999 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,505 |
| Cash dividends | $1,452,000 | 964 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,333,430 | 1,024 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $12,574,000 | 602 |
| Total interest expense | $6,132,000 | 414 |
| Net interest income | $6,442,000 | 805 |
| Provision for loan and lease losses | $220,000 | 1,052 |
| Total noninterest income | $1,281,000 | 1,027 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $652,000 | 616 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $629,000 | 1,136 |
| Total noninterest expense | $5,420,000 | 767 |
| Salaries and employee benefits | $2,859,000 | 773 |
| Premises and equipment expense | $595,000 | 1,000 |
| Additional noninterest expense | $1,966,000 | 659 |
| Pre-tax net operating income | $2,083,000 | 1,108 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $522,000 | 1,300 |
| Income before extraordinary items | $1,561,000 | 1,106 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,561,000 | 1,106 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,728 |
| Cash dividends | $725,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,561,000 | 1,080 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $47,144,000 | 605 |
| Total interest expense | $22,566,000 | 379 |
| Net interest income | $24,578,000 | 808 |
| Provision for loan and lease losses | $760,000 | 1,346 |
| Total noninterest income | $6,792,000 | 819 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $2,564,000 | 685 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $4,228,000 | 757 |
| Total noninterest expense | $19,666,000 | 818 |
| Salaries and employee benefits | $9,741,000 | 881 |
| Premises and equipment expense | $2,270,000 | 1,011 |
| Additional noninterest expense | $7,655,000 | 685 |
| Pre-tax net operating income | $10,944,000 | 803 |
| Securities gains (losses) | $-628,000 | 8,884 |
| Applicable income taxes | $2,560,000 | 1,027 |
| Income before extraordinary items | $7,756,000 | 845 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,756,000 | 846 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,973 |
| Cash dividends | $2,681,000 | 1,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $8,227,000 | 776 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $34,650,000 | 611 |
| Total interest expense | $16,473,000 | 382 |
| Net interest income | $18,177,000 | 815 |
| Provision for loan and lease losses | $550,000 | 1,327 |
| Total noninterest income | $4,126,000 | 1,011 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $1,813,000 | 733 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,313,000 | 972 |
| Total noninterest expense | $14,649,000 | 827 |
| Salaries and employee benefits | $7,195,000 | 895 |
| Premises and equipment expense | $1,694,000 | 1,019 |
| Additional noninterest expense | $5,760,000 | 674 |
| Pre-tax net operating income | $7,104,000 | 935 |
| Securities gains (losses) | $249,000 | 676 |
| Applicable income taxes | $1,932,000 | 1,043 |
| Income before extraordinary items | $5,421,000 | 921 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,421,000 | 922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $1,962,000 | 1,008 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,236,740 | 914 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $22,798,000 | 610 |
| Total interest expense | $10,575,000 | 394 |
| Net interest income | $12,223,000 | 794 |
| Provision for loan and lease losses | $340,000 | 1,401 |
| Total noninterest income | $2,840,000 | 973 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,111,000 | 786 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,729,000 | 887 |
| Total noninterest expense | $9,796,000 | 831 |
| Salaries and employee benefits | $4,902,000 | 872 |
| Premises and equipment expense | $1,123,000 | 1,024 |
| Additional noninterest expense | $3,771,000 | 681 |
| Pre-tax net operating income | $4,927,000 | 885 |
| Securities gains (losses) | $249,000 | 557 |
| Applicable income taxes | $1,396,000 | 977 |
| Income before extraordinary items | $3,780,000 | 868 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,780,000 | 868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $1,291,000 | 1,019 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,598,230 | 871 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $11,488,000 | 614 |
| Total interest expense | $5,274,000 | 403 |
| Net interest income | $6,214,000 | 786 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,622,000 | 850 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $503,000 | 843 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $1,119,000 | 734 |
| Total noninterest expense | $4,812,000 | 852 |
| Salaries and employee benefits | $2,397,000 | 908 |
| Premises and equipment expense | $515,000 | 1,143 |
| Additional noninterest expense | $1,900,000 | 672 |
| Pre-tax net operating income | $2,874,000 | 764 |
| Securities gains (losses) | $48,000 | 1,221 |
| Applicable income taxes | $824,000 | 874 |
| Income before extraordinary items | $2,098,000 | 794 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $2,098,000 | 793 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $638,000 | 976 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $2,063,440 | 758 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $46,491,000 | 600 |
| Total interest expense | $21,174,000 | 441 |
| Net interest income | $25,317,000 | 754 |
| Provision for loan and lease losses | $614,000 | 1,811 |
| Total noninterest income | $3,992,000 | 1,345 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,805,000 | 948 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,187,000 | 1,378 |
| Total noninterest expense | $17,748,000 | 906 |
| Salaries and employee benefits | $9,154,000 | 934 |
| Premises and equipment expense | $2,011,000 | 1,131 |
| Additional noninterest expense | $6,583,000 | 783 |
| Pre-tax net operating income | $10,947,000 | 791 |
| Securities gains (losses) | $816,000 | 551 |
| Applicable income taxes | $3,695,000 | 787 |
| Income before extraordinary items | $8,068,000 | 803 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $8,068,000 | 805 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,416 |
| Cash dividends | $2,412,000 | 1,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $7,504,960 | 803 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $34,771,000 | 616 |
| Total interest expense | $15,944,000 | 457 |
| Net interest income | $18,827,000 | 773 |
| Provision for loan and lease losses | $463,000 | 1,771 |
| Total noninterest income | $2,828,000 | 1,431 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $1,299,000 | 1,011 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,529,000 | 1,521 |
| Total noninterest expense | $13,022,000 | 941 |
| Salaries and employee benefits | $6,692,000 | 972 |
| Premises and equipment expense | $1,501,000 | 1,146 |
| Additional noninterest expense | $4,829,000 | 800 |
| Pre-tax net operating income | $8,170,000 | 826 |
| Securities gains (losses) | $817,000 | 508 |
| Applicable income taxes | $2,843,000 | 815 |
| Income before extraordinary items | $6,144,000 | 829 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $6,144,000 | 830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,967 |
| Cash dividends | $1,791,000 | 1,114 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,588,440 | 838 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $23,310,000 | 617 |
| Total interest expense | $10,671,000 | 470 |
| Net interest income | $12,639,000 | 763 |
| Provision for loan and lease losses | $324,000 | 1,698 |
| Total noninterest income | $1,789,000 | 1,494 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $815,000 | 1,059 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $974,000 | 1,548 |
| Total noninterest expense | $8,554,000 | 963 |
| Salaries and employee benefits | $4,380,000 | 988 |
| Premises and equipment expense | $979,000 | 1,168 |
| Additional noninterest expense | $3,195,000 | 819 |
| Pre-tax net operating income | $5,550,000 | 808 |
| Securities gains (losses) | $526,000 | 557 |
| Applicable income taxes | $1,937,000 | 787 |
| Income before extraordinary items | $4,139,000 | 816 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,139,000 | 817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $1,184,000 | 1,154 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,781,320 | 826 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $11,635,000 | 631 |
| Total interest expense | $5,378,000 | 482 |
| Net interest income | $6,257,000 | 769 |
| Provision for loan and lease losses | $181,000 | 1,470 |
| Total noninterest income | $749,000 | 1,674 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $373,000 | 1,107 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $376,000 | 1,819 |
| Total noninterest expense | $4,277,000 | 952 |
| Salaries and employee benefits | $2,169,000 | 993 |
| Premises and equipment expense | $487,000 | 1,179 |
| Additional noninterest expense | $1,621,000 | 777 |
| Pre-tax net operating income | $2,548,000 | 892 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $780,000 | 975 |
| Income before extraordinary items | $1,768,000 | 952 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,768,000 | 951 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $587,000 | 1,079 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,768,000 | 877 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $45,311,000 | 673 |
| Total interest expense | $22,589,000 | 522 |
| Net interest income | $22,722,000 | 849 |
| Provision for loan and lease losses | $900,000 | 1,473 |
| Total noninterest income | $3,160,000 | 1,505 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,304,000 | 1,238 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,856,000 | 1,402 |
| Total noninterest expense | $15,164,000 | 1,023 |
| Salaries and employee benefits | $8,157,000 | 993 |
| Premises and equipment expense | $1,621,000 | 1,360 |
| Additional noninterest expense | $5,386,000 | 922 |
| Pre-tax net operating income | $9,818,000 | 883 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,049,000 | 910 |
| Income before extraordinary items | $6,769,000 | 921 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,769,000 | 920 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 6,624 |
| Cash dividends | $2,251,000 | 1,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,769,000 | 882 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $43,946,000 | 771 |
| Total interest expense | $25,434,000 | 664 |
| Net interest income | $18,512,000 | 971 |
| Provision for loan and lease losses | $500,000 | 2,196 |
| Total noninterest income | $1,980,000 | 2,032 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $960,000 | 1,541 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,020,000 | 2,015 |
| Total noninterest expense | $12,567,000 | 1,170 |
| Salaries and employee benefits | $7,088,000 | 1,045 |
| Premises and equipment expense | $1,383,000 | 1,551 |
| Additional noninterest expense | $4,096,000 | 1,168 |
| Pre-tax net operating income | $7,425,000 | 1,006 |
| Securities gains (losses) | $33,000 | 2,734 |
| Applicable income taxes | $2,596,000 | 948 |
| Income before extraordinary items | $4,862,000 | 1,120 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,862,000 | 1,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 3,673 |
| Cash dividends | $2,103,000 | 1,262 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,840,550 | 1,087 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $39,702,000 | 894 |
| Total interest expense | $23,403,000 | 774 |
| Net interest income | $16,299,000 | 1,085 |
| Provision for loan and lease losses | $363,000 | 2,469 |
| Total noninterest income | $1,406,000 | 2,462 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $749,000 | 1,857 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $657,000 | 2,486 |
| Total noninterest expense | $11,166,000 | 1,243 |
| Salaries and employee benefits | $6,366,000 | 1,103 |
| Premises and equipment expense | $1,234,000 | 1,687 |
| Additional noninterest expense | $3,566,000 | 1,273 |
| Pre-tax net operating income | $6,176,000 | 1,198 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $2,207,000 | 1,064 |
| Income before extraordinary items | $3,969,000 | 1,332 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,969,000 | 1,334 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,671 |
| Cash dividends | $2,015,000 | 1,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,969,000 | 1,321 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $31,478,000 | 1,046 |
| Total interest expense | $16,305,000 | 957 |
| Net interest income | $15,173,000 | 1,162 |
| Provision for loan and lease losses | $211,000 | 3,432 |
| Total noninterest income | $1,271,000 | 2,591 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $796,000 | 1,669 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $475,000 | 3,050 |
| Total noninterest expense | $9,917,000 | 1,397 |
| Salaries and employee benefits | $5,895,000 | 1,168 |
| Premises and equipment expense | $1,088,000 | 1,880 |
| Additional noninterest expense | $2,934,000 | 1,537 |
| Pre-tax net operating income | $6,316,000 | 1,216 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $2,316,000 | 1,087 |
| Income before extraordinary items | $4,000,000 | 1,352 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,000,000 | 1,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,236 |
| Cash dividends | $12,841,000 | 331 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,000,000 | 1,332 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $27,637,000 | 1,180 |
| Total interest expense | $14,345,000 | 1,095 |
| Net interest income | $13,292,000 | 1,278 |
| Provision for loan and lease losses | $293,000 | 2,693 |
| Total noninterest income | $955,000 | 3,187 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $546,000 | 2,360 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $409,000 | 3,387 |
| Total noninterest expense | $9,084,000 | 1,456 |
| Salaries and employee benefits | $5,384,000 | 1,219 |
| Premises and equipment expense | $1,030,000 | 1,920 |
| Additional noninterest expense | $2,670,000 | 1,615 |
| Pre-tax net operating income | $4,870,000 | 1,514 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $1,745,000 | 1,423 |
| Income before extraordinary items | $3,125,000 | 1,689 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,125,000 | 1,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 5,101 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $33,610,000 | 28 |
| Net operating income | $3,125,000 | 1,622 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $24,482,000 | 1,354 |
| Total interest expense | $13,249,000 | 1,210 |
| Net interest income | $11,233,000 | 1,532 |
| Provision for loan and lease losses | $336,000 | 2,396 |
| Total noninterest income | $796,000 | 3,579 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $506,000 | 2,596 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $290,000 | 4,011 |
| Total noninterest expense | $7,617,000 | 1,711 |
| Salaries and employee benefits | $4,246,000 | 1,532 |
| Premises and equipment expense | $926,000 | 2,126 |
| Additional noninterest expense | $2,445,000 | 1,736 |
| Pre-tax net operating income | $4,076,000 | 1,855 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $1,388,000 | 1,833 |
| Income before extraordinary items | $2,688,000 | 1,959 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,688,000 | 1,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,513 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,688,000 | 1,904 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $23,429,000 | 1,444 |
| Total interest expense | $12,513,000 | 1,294 |
| Net interest income | $10,916,000 | 1,624 |
| Provision for loan and lease losses | $36,000 | 7,135 |
| Total noninterest income | $800,000 | 3,711 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $480,000 | 2,822 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $320,000 | 3,926 |
| Total noninterest expense | $8,505,000 | 1,671 |
| Salaries and employee benefits | $3,662,000 | 1,801 |
| Premises and equipment expense | $773,000 | 2,536 |
| Additional noninterest expense | $4,070,000 | 1,341 |
| Pre-tax net operating income | $3,175,000 | 2,248 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $1,132,000 | 2,104 |
| Income before extraordinary items | $2,043,000 | 2,412 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,043,000 | 2,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,805 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,043,000 | 2,366 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $21,440,000 | 1,575 |
| Total interest expense | $11,167,000 | 1,455 |
| Net interest income | $10,273,000 | 1,745 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $908,000 | 3,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $908,000 | 1,929 |
| Total noninterest expense | $6,599,000 | 2,091 |
| Salaries and employee benefits | $3,537,000 | 1,870 |
| Premises and equipment expense | $1,540,000 | 1,336 |
| Additional noninterest expense | $1,522,000 | 3,059 |
| Pre-tax net operating income | $4,510,000 | 1,634 |
| Securities gains (losses) | $-3,000 | 9,402 |
| Applicable income taxes | $1,735,000 | 1,441 |
| Income before extraordinary items | $2,772,000 | 1,816 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,772,000 | 1,815 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,931 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $2,773,920 | 1,793 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $19,620,000 | 1,577 |
| Total interest expense | $9,116,000 | 1,424 |
| Net interest income | $10,504,000 | 1,719 |
| Provision for loan and lease losses | $180,000 | 3,202 |
| Total noninterest income | $848,000 | 3,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $848,000 | 2,061 |
| Total noninterest expense | $6,274,000 | 2,250 |
| Salaries and employee benefits | $3,297,000 | 2,014 |
| Premises and equipment expense | $1,432,000 | 1,462 |
| Additional noninterest expense | $1,545,000 | 3,212 |
| Pre-tax net operating income | $4,898,000 | 1,494 |
| Securities gains (losses) | $-90,000 | 11,462 |
| Applicable income taxes | $1,851,000 | 1,287 |
| Income before extraordinary items | $2,957,000 | 1,654 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,957,000 | 1,653 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,921 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,014,600 | 1,630 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,567,000 | 1,613 |
| Total interest expense | $9,348,000 | 1,436 |
| Net interest income | $10,219,000 | 1,765 |
| Provision for loan and lease losses | $183,000 | 4,103 |
| Total noninterest income | $1,012,000 | 3,308 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,012,000 | 2,020 |
| Total noninterest expense | $5,624,000 | 2,542 |
| Salaries and employee benefits | $2,867,000 | 2,331 |
| Premises and equipment expense | $1,315,000 | 1,601 |
| Additional noninterest expense | $1,442,000 | 3,620 |
| Pre-tax net operating income | $5,424,000 | 1,280 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $2,088,000 | 1,161 |
| Income before extraordinary items | $3,336,000 | 1,521 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,336,000 | 1,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 9,922 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,336,000 | 1,431 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $20,859,000 | 1,703 |
| Total interest expense | $11,488,000 | 1,533 |
| Net interest income | $9,371,000 | 1,947 |
| Provision for loan and lease losses | $211,000 | 5,078 |
| Total noninterest income | $840,000 | 3,834 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $840,000 | 2,246 |
| Total noninterest expense | $4,836,000 | 2,960 |
| Salaries and employee benefits | $2,444,000 | 2,652 |
| Premises and equipment expense | $1,202,000 | 1,753 |
| Additional noninterest expense | $1,190,000 | 4,369 |
| Pre-tax net operating income | $5,164,000 | 1,238 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $2,120,000 | 1,064 |
| Income before extraordinary items | $3,049,000 | 1,522 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,049,000 | 1,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 8,793 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,045,800 | 1,411 |
* 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.