Home > Enfield Federal Savings and Loan Association > Income and Expense
Enfield Federal Savings and Loan Association, Income and Expense
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,072,000 | 2,183 |
| Total interest expense | $1,865,000 | 1,799 |
| Net interest income | $2,207,000 | 2,442 |
| Provision for loan and lease losses | $160,000 | 3,128 |
| Total noninterest income | $201,000 | 3,795 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $201,000 | 2,509 |
| Total noninterest expense | $2,190,000 | 2,234 |
| Salaries and employee benefits | $1,245,000 | 2,051 |
| Premises and equipment expense | $559,000 | 1,276 |
| Additional noninterest expense | $386,000 | 3,675 |
| Pre-tax net operating income | $58,000 | 5,522 |
| Securities gains (losses) | $35,000 | 1,454 |
| Applicable income taxes | $-29,000 | 7,328 |
| Income before extraordinary items | $122,000 | 4,665 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $122,000 | 4,669 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $122,000 | 4,668 |
| Net charge-offs | $74,000 | 3,184 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $87,000 | 4,970 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,526,000 | 2,277 |
| Total interest expense | $7,520,000 | 2,078 |
| Net interest income | $9,006,000 | 2,422 |
| Provision for loan and lease losses | $240,000 | 4,965 |
| Total noninterest income | $851,000 | 3,733 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $851,000 | 2,370 |
| Total noninterest expense | $8,308,000 | 2,302 |
| Salaries and employee benefits | $4,940,000 | 2,058 |
| Premises and equipment expense | $2,140,000 | 1,279 |
| Additional noninterest expense | $1,228,000 | 4,225 |
| Pre-tax net operating income | $1,309,000 | 3,260 |
| Securities gains (losses) | $169,000 | 796 |
| Applicable income taxes | $404,000 | 2,071 |
| Income before extraordinary items | $1,074,000 | 3,153 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,074,000 | 3,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 5,111 |
| Cash dividends | $2,000,000 | 1,337 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $950,630 | 3,525 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,331,000 | 2,336 |
| Total interest expense | $5,614,000 | 2,159 |
| Net interest income | $6,717,000 | 2,457 |
| Provision for loan and lease losses | $180,000 | 4,348 |
| Total noninterest income | $641,000 | 3,830 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $641,000 | 2,442 |
| Total noninterest expense | $6,218,000 | 2,304 |
| Salaries and employee benefits | $3,711,000 | 2,070 |
| Premises and equipment expense | $1,596,000 | 1,294 |
| Additional noninterest expense | $911,000 | 4,169 |
| Pre-tax net operating income | $960,000 | 3,761 |
| Securities gains (losses) | $125,000 | 836 |
| Applicable income taxes | $310,000 | 2,428 |
| Income before extraordinary items | $775,000 | 3,626 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $775,000 | 3,626 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,156 |
| Cash dividends | $2,000,000 | 1,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $686,250 | 4,005 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,189,000 | 2,372 |
| Total interest expense | $3,724,000 | 2,240 |
| Net interest income | $4,465,000 | 2,449 |
| Provision for loan and lease losses | $120,000 | 3,966 |
| Total noninterest income | $417,000 | 3,932 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $417,000 | 2,525 |
| Total noninterest expense | $4,166,000 | 2,297 |
| Salaries and employee benefits | $2,518,000 | 2,065 |
| Premises and equipment expense | $1,060,000 | 1,295 |
| Additional noninterest expense | $588,000 | 4,261 |
| Pre-tax net operating income | $596,000 | 4,037 |
| Securities gains (losses) | $120,000 | 842 |
| Applicable income taxes | $221,000 | 2,564 |
| Income before extraordinary items | $495,000 | 4,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $495,000 | 4,046 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,443 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $412,200 | 4,354 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,134,000 | 2,412 |
| Total interest expense | $1,896,000 | 2,348 |
| Net interest income | $2,238,000 | 2,451 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $197,000 | 4,032 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $197,000 | 2,596 |
| Total noninterest expense | $2,127,000 | 2,246 |
| Salaries and employee benefits | $1,280,000 | 2,054 |
| Premises and equipment expense | $546,000 | 1,258 |
| Additional noninterest expense | $301,000 | 4,105 |
| Pre-tax net operating income | $248,000 | 4,551 |
| Securities gains (losses) | $112,000 | 661 |
| Applicable income taxes | $118,000 | 2,609 |
| Income before extraordinary items | $242,000 | 4,259 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $242,000 | 4,261 |
| 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 | $166,960 | 4,933 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,526,000 | 2,470 |
| Total interest expense | $7,380,000 | 2,490 |
| Net interest income | $9,146,000 | 2,418 |
| Provision for loan and lease losses | $200,000 | 3,846 |
| Total noninterest income | $875,000 | 3,817 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $875,000 | 2,419 |
| Total noninterest expense | $8,999,000 | 2,041 |
| Salaries and employee benefits | $5,638,000 | 1,793 |
| Premises and equipment expense | $2,195,000 | 1,200 |
| Additional noninterest expense | $1,166,000 | 4,160 |
| Pre-tax net operating income | $822,000 | 5,127 |
| Securities gains (losses) | $-193,000 | 8,250 |
| Applicable income taxes | $314,000 | 3,337 |
| Income before extraordinary items | $315,000 | 6,377 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $315,000 | 6,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,600 |
| Cash dividends | $17,000,000 | 281 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $438,520 | 5,898 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,339,000 | 2,488 |
| Total interest expense | $5,421,000 | 2,541 |
| Net interest income | $6,918,000 | 2,420 |
| Provision for loan and lease losses | $170,000 | 3,304 |
| Total noninterest income | $668,000 | 3,782 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $668,000 | 2,402 |
| Total noninterest expense | $6,774,000 | 2,016 |
| Salaries and employee benefits | $4,275,000 | 1,761 |
| Premises and equipment expense | $1,639,000 | 1,205 |
| Additional noninterest expense | $860,000 | 4,155 |
| Pre-tax net operating income | $642,000 | 5,303 |
| Securities gains (losses) | $-218,000 | 8,385 |
| Applicable income taxes | $243,000 | 3,456 |
| Income before extraordinary items | $181,000 | 6,901 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $181,000 | 6,899 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,076 |
| Cash dividends | $15,000,000 | 249 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $320,520 | 6,199 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,184,000 | 2,514 |
| Total interest expense | $3,543,000 | 2,590 |
| Net interest income | $4,641,000 | 2,432 |
| Provision for loan and lease losses | $120,000 | 2,960 |
| Total noninterest income | $472,000 | 3,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $472,000 | 2,336 |
| Total noninterest expense | $4,524,000 | 2,044 |
| Salaries and employee benefits | $2,875,000 | 1,786 |
| Premises and equipment expense | $1,070,000 | 1,251 |
| Additional noninterest expense | $579,000 | 4,127 |
| Pre-tax net operating income | $469,000 | 5,174 |
| Securities gains (losses) | $-226,000 | 8,479 |
| Applicable income taxes | $179,000 | 3,408 |
| Income before extraordinary items | $64,000 | 7,383 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $64,000 | 7,383 |
| 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 | $208,640 | 6,310 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,994,000 | 2,567 |
| Total interest expense | $1,716,000 | 2,660 |
| Net interest income | $2,278,000 | 2,478 |
| Provision for loan and lease losses | $60,000 | 2,747 |
| Total noninterest income | $295,000 | 3,144 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $295,000 | 1,983 |
| Total noninterest expense | $2,306,000 | 2,005 |
| Salaries and employee benefits | $1,462,000 | 1,772 |
| Premises and equipment expense | $545,000 | 1,229 |
| Additional noninterest expense | $299,000 | 3,982 |
| Pre-tax net operating income | $207,000 | 5,436 |
| Securities gains (losses) | $-1,000 | 7,986 |
| Applicable income taxes | $96,000 | 3,322 |
| Income before extraordinary items | $110,000 | 6,239 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $110,000 | 6,238 |
| 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 | $110,640 | 6,221 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $14,503,000 | 2,625 |
| Total interest expense | $5,400,000 | 2,834 |
| Net interest income | $9,103,000 | 2,489 |
| Provision for loan and lease losses | $240,000 | 3,157 |
| Total noninterest income | $855,000 | 3,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $855,000 | 2,474 |
| Total noninterest expense | $8,672,000 | 2,035 |
| Salaries and employee benefits | $5,404,000 | 1,810 |
| Premises and equipment expense | $2,030,000 | 1,272 |
| Additional noninterest expense | $1,238,000 | 3,837 |
| Pre-tax net operating income | $1,046,000 | 5,093 |
| Securities gains (losses) | $72,000 | 605 |
| Applicable income taxes | $302,000 | 3,793 |
| Income before extraordinary items | $816,000 | 5,161 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $816,000 | 5,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $763,440 | 5,311 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,573,000 | 2,670 |
| Total interest expense | $3,812,000 | 2,905 |
| Net interest income | $6,761,000 | 2,538 |
| Provision for loan and lease losses | $180,000 | 3,038 |
| Total noninterest income | $640,000 | 3,904 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $640,000 | 2,464 |
| Total noninterest expense | $6,397,000 | 2,062 |
| Salaries and employee benefits | $3,938,000 | 1,851 |
| Premises and equipment expense | $1,537,000 | 1,262 |
| Additional noninterest expense | $922,000 | 3,851 |
| Pre-tax net operating income | $824,000 | 5,173 |
| Securities gains (losses) | $37,000 | 619 |
| Applicable income taxes | $229,000 | 3,962 |
| Income before extraordinary items | $632,000 | 5,236 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $632,000 | 5,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,187 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $604,990 | 5,340 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,835,000 | 2,701 |
| Total interest expense | $2,375,000 | 2,951 |
| Net interest income | $4,460,000 | 2,562 |
| Provision for loan and lease losses | $120,000 | 2,983 |
| Total noninterest income | $436,000 | 3,835 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $436,000 | 2,413 |
| Total noninterest expense | $4,170,000 | 2,118 |
| Salaries and employee benefits | $2,529,000 | 1,922 |
| Premises and equipment expense | $1,007,000 | 1,296 |
| Additional noninterest expense | $634,000 | 3,754 |
| Pre-tax net operating income | $606,000 | 4,970 |
| Securities gains (losses) | $24,000 | 577 |
| Applicable income taxes | $171,000 | 3,817 |
| Income before extraordinary items | $459,000 | 5,085 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $459,000 | 5,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,958 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $441,480 | 5,167 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,313,000 | 2,728 |
| Total interest expense | $1,123,000 | 2,967 |
| Net interest income | $2,190,000 | 2,584 |
| Provision for loan and lease losses | $60,000 | 2,788 |
| Total noninterest income | $240,000 | 3,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $240,000 | 2,242 |
| Total noninterest expense | $2,007,000 | 2,207 |
| Salaries and employee benefits | $1,176,000 | 2,093 |
| Premises and equipment expense | $487,000 | 1,335 |
| Additional noninterest expense | $344,000 | 3,491 |
| Pre-tax net operating income | $363,000 | 4,507 |
| Securities gains (losses) | $11,000 | 557 |
| Applicable income taxes | $103,000 | 3,558 |
| Income before extraordinary items | $271,000 | 4,661 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $271,000 | 4,661 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $263,080 | 4,726 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,321,000 | 2,843 |
| Total interest expense | $3,549,000 | 2,907 |
| Net interest income | $7,772,000 | 2,780 |
| Provision for loan and lease losses | $140,000 | 4,242 |
| Total noninterest income | $774,000 | 4,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $774,000 | 2,602 |
| Total noninterest expense | $6,257,000 | 2,654 |
| Salaries and employee benefits | $3,799,000 | 2,406 |
| Premises and equipment expense | $1,307,000 | 1,841 |
| Additional noninterest expense | $1,151,000 | 3,987 |
| Pre-tax net operating income | $2,149,000 | 3,521 |
| Securities gains (losses) | $29,000 | 1,127 |
| Applicable income taxes | $743,000 | 2,714 |
| Income before extraordinary items | $1,435,000 | 3,891 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,435,000 | 3,891 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,550 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,415,860 | 3,895 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,344,000 | 2,831 |
| Total interest expense | $2,546,000 | 2,890 |
| Net interest income | $5,798,000 | 2,768 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $586,000 | 4,114 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $586,000 | 2,587 |
| Total noninterest expense | $4,594,000 | 2,659 |
| Salaries and employee benefits | $2,801,000 | 2,402 |
| Premises and equipment expense | $959,000 | 1,877 |
| Additional noninterest expense | $834,000 | 4,054 |
| Pre-tax net operating income | $1,710,000 | 3,438 |
| Securities gains (losses) | $29,000 | 1,083 |
| Applicable income taxes | $600,000 | 2,640 |
| Income before extraordinary items | $1,139,000 | 3,816 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,139,000 | 3,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-73,000 | 8,557 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,120,150 | 3,818 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 2,809 |
| Total interest expense | $1,620,000 | 2,874 |
| Net interest income | $3,848,000 | 2,758 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $382,000 | 4,162 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $382,000 | 2,624 |
| Total noninterest expense | $3,070,000 | 2,640 |
| Salaries and employee benefits | $1,861,000 | 2,388 |
| Premises and equipment expense | $649,000 | 1,846 |
| Additional noninterest expense | $560,000 | 4,010 |
| Pre-tax net operating income | $1,130,000 | 3,400 |
| Securities gains (losses) | $12,000 | 1,290 |
| Applicable income taxes | $392,000 | 2,647 |
| Income before extraordinary items | $750,000 | 3,781 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $750,000 | 3,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,600 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $742,080 | 3,753 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,695,000 | 2,815 |
| Total interest expense | $767,000 | 2,900 |
| Net interest income | $1,928,000 | 2,740 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $198,000 | 3,999 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $198,000 | 2,495 |
| Total noninterest expense | $1,523,000 | 2,674 |
| Salaries and employee benefits | $929,000 | 2,427 |
| Premises and equipment expense | $317,000 | 1,887 |
| Additional noninterest expense | $277,000 | 4,042 |
| Pre-tax net operating income | $603,000 | 3,211 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $210,000 | 2,520 |
| Income before extraordinary items | $400,000 | 3,620 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $400,000 | 3,622 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-77,000 | 8,738 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $395,380 | 3,619 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,971,000 | 2,839 |
| Total interest expense | $2,974,000 | 2,652 |
| Net interest income | $6,997,000 | 2,880 |
| Provision for loan and lease losses | $180,000 | 3,881 |
| Total noninterest income | $771,000 | 4,149 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $771,000 | 2,560 |
| Total noninterest expense | $6,035,000 | 2,632 |
| Salaries and employee benefits | $3,796,000 | 2,288 |
| Premises and equipment expense | $1,158,000 | 1,991 |
| Additional noninterest expense | $1,081,000 | 4,074 |
| Pre-tax net operating income | $1,553,000 | 4,162 |
| Securities gains (losses) | $53,000 | 1,691 |
| Applicable income taxes | $479,000 | 3,416 |
| Income before extraordinary items | $1,127,000 | 4,367 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,127,000 | 4,368 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,754 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,089,900 | 4,394 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $7,418,000 | 2,822 |
| Total interest expense | $2,201,000 | 2,631 |
| Net interest income | $5,217,000 | 2,880 |
| Provision for loan and lease losses | $180,000 | 3,152 |
| Total noninterest income | $556,000 | 4,276 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $556,000 | 2,632 |
| Total noninterest expense | $4,532,000 | 2,585 |
| Salaries and employee benefits | $2,851,000 | 2,265 |
| Premises and equipment expense | $883,000 | 1,957 |
| Additional noninterest expense | $798,000 | 4,094 |
| Pre-tax net operating income | $1,061,000 | 4,468 |
| Securities gains (losses) | $50,000 | 1,653 |
| Applicable income taxes | $309,000 | 3,744 |
| Income before extraordinary items | $802,000 | 4,628 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $802,000 | 4,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,637 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $766,000 | 4,647 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,898,000 | 2,837 |
| Total interest expense | $1,444,000 | 2,653 |
| Net interest income | $3,454,000 | 2,891 |
| Provision for loan and lease losses | $120,000 | 3,090 |
| Total noninterest income | $340,000 | 4,488 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $340,000 | 2,780 |
| Total noninterest expense | $3,049,000 | 2,577 |
| Salaries and employee benefits | $1,894,000 | 2,284 |
| Premises and equipment expense | $599,000 | 1,908 |
| Additional noninterest expense | $556,000 | 3,980 |
| Pre-tax net operating income | $625,000 | 4,727 |
| Securities gains (losses) | $32,000 | 1,752 |
| Applicable income taxes | $157,000 | 4,178 |
| Income before extraordinary items | $500,000 | 4,748 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $500,000 | 4,749 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $135,000 | 1,800 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $475,680 | 4,782 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,465,000 | 2,832 |
| Total interest expense | $728,000 | 2,663 |
| Net interest income | $1,737,000 | 2,864 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $164,000 | 4,549 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $164,000 | 2,783 |
| Total noninterest expense | $1,589,000 | 2,514 |
| Salaries and employee benefits | $972,000 | 2,255 |
| Premises and equipment expense | $312,000 | 1,857 |
| Additional noninterest expense | $305,000 | 3,703 |
| Pre-tax net operating income | $252,000 | 5,266 |
| Securities gains (losses) | $16,000 | 1,816 |
| Applicable income taxes | $33,000 | 5,294 |
| Income before extraordinary items | $235,000 | 4,919 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $235,000 | 4,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,251 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $220,920 | 4,968 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,077,000 | 3,416 |
| Total interest expense | $2,908,000 | 2,951 |
| Net interest income | $5,169,000 | 3,600 |
| Provision for loan and lease losses | $240,000 | 3,615 |
| Total noninterest income | $671,000 | 4,660 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $671,000 | 3,050 |
| Total noninterest expense | $4,603,000 | 3,288 |
| Salaries and employee benefits | $2,735,000 | 3,016 |
| Premises and equipment expense | $1,035,000 | 2,197 |
| Additional noninterest expense | $833,000 | 4,920 |
| Pre-tax net operating income | $997,000 | 5,188 |
| Securities gains (losses) | $120,000 | 1,724 |
| Applicable income taxes | $353,000 | 4,026 |
| Income before extraordinary items | $764,000 | 5,353 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $764,000 | 5,353 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,204 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $682,400 | 5,490 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,932,000 | 3,524 |
| Total interest expense | $2,191,000 | 3,029 |
| Net interest income | $3,741,000 | 3,706 |
| Provision for loan and lease losses | $180,000 | 3,498 |
| Total noninterest income | $488,000 | 4,809 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $488,000 | 3,188 |
| Total noninterest expense | $3,412,000 | 3,312 |
| Salaries and employee benefits | $2,045,000 | 3,030 |
| Premises and equipment expense | $774,000 | 2,210 |
| Additional noninterest expense | $593,000 | 5,052 |
| Pre-tax net operating income | $637,000 | 5,738 |
| Securities gains (losses) | $70,000 | 2,036 |
| Applicable income taxes | $213,000 | 4,559 |
| Income before extraordinary items | $494,000 | 5,891 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $494,000 | 5,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,699 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $445,000 | 5,955 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,984,000 | 3,532 |
| Total interest expense | $1,502,000 | 3,041 |
| Net interest income | $2,482,000 | 3,723 |
| Provision for loan and lease losses | $120,000 | 3,448 |
| Total noninterest income | $310,000 | 4,903 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $310,000 | 3,234 |
| Total noninterest expense | $2,297,000 | 3,280 |
| Salaries and employee benefits | $1,356,000 | 3,047 |
| Premises and equipment expense | $519,000 | 2,180 |
| Additional noninterest expense | $422,000 | 4,819 |
| Pre-tax net operating income | $375,000 | 6,020 |
| Securities gains (losses) | $69,000 | 1,788 |
| Applicable income taxes | $131,000 | 4,712 |
| Income before extraordinary items | $313,000 | 6,006 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $313,000 | 6,005 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,160 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $264,700 | 6,194 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,983,000 | 3,550 |
| Total interest expense | $769,000 | 3,044 |
| Net interest income | $1,214,000 | 3,786 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $137,000 | 5,121 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $137,000 | 3,373 |
| Total noninterest expense | $1,121,000 | 3,339 |
| Salaries and employee benefits | $650,000 | 3,138 |
| Premises and equipment expense | $256,000 | 2,208 |
| Additional noninterest expense | $215,000 | 4,716 |
| Pre-tax net operating income | $170,000 | 6,216 |
| Securities gains (losses) | $32,000 | 1,647 |
| Applicable income taxes | $58,000 | 4,885 |
| Income before extraordinary items | $144,000 | 6,103 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $144,000 | 6,102 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 5,022 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $121,280 | 6,362 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,174,000 | 3,583 |
| Total interest expense | $3,482,000 | 3,114 |
| Net interest income | $4,692,000 | 3,850 |
| Provision for loan and lease losses | $274,000 | 3,659 |
| Total noninterest income | $528,000 | 5,064 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $528,000 | 3,188 |
| Total noninterest expense | $3,874,000 | 3,647 |
| Salaries and employee benefits | $2,282,000 | 3,364 |
| Premises and equipment expense | $810,000 | 2,658 |
| Additional noninterest expense | $782,000 | 5,008 |
| Pre-tax net operating income | $1,072,000 | 5,034 |
| Securities gains (losses) | $86,000 | 1,881 |
| Applicable income taxes | $367,000 | 4,063 |
| Income before extraordinary items | $791,000 | 5,245 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $791,000 | 5,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 7,119 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $6,804,000 | 105 |
| Net operating income | $732,520 | 5,294 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,034,000 | 4,010 |
| Total interest expense | $4,391,000 | 3,535 |
| Net interest income | $3,643,000 | 4,439 |
| Provision for loan and lease losses | $142,000 | 4,903 |
| Total noninterest income | $383,000 | 5,802 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $383,000 | 3,634 |
| Total noninterest expense | $3,155,000 | 4,170 |
| Salaries and employee benefits | $1,897,000 | 3,740 |
| Premises and equipment expense | $633,000 | 3,223 |
| Additional noninterest expense | $625,000 | 5,695 |
| Pre-tax net operating income | $729,000 | 5,716 |
| Securities gains (losses) | $65,000 | 2,113 |
| Applicable income taxes | $267,000 | 4,496 |
| Income before extraordinary items | $527,000 | 5,942 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $527,000 | 5,943 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,976 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $484,100 | 6,028 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,959,000 | 4,147 |
| Total interest expense | $4,399,000 | 3,693 |
| Net interest income | $3,560,000 | 4,554 |
| Provision for loan and lease losses | $194,000 | 3,824 |
| Total noninterest income | $255,000 | 6,721 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $255,000 | 4,257 |
| Total noninterest expense | $2,897,000 | 4,348 |
| Salaries and employee benefits | $1,813,000 | 3,756 |
| Premises and equipment expense | $496,000 | 3,816 |
| Additional noninterest expense | $588,000 | 5,868 |
| Pre-tax net operating income | $724,000 | 6,138 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $196,000 | 5,430 |
| Income before extraordinary items | $528,000 | 6,179 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $528,000 | 6,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $528,000 | 6,188 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $7,836,000 | 3,990 |
| Total interest expense | $4,273,000 | 3,389 |
| Net interest income | $3,563,000 | 4,595 |
| Provision for loan and lease losses | $114,000 | 4,972 |
| Total noninterest income | $209,000 | 7,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $209,000 | 4,843 |
| Total noninterest expense | $2,442,000 | 4,968 |
| Salaries and employee benefits | $1,492,000 | 4,364 |
| Premises and equipment expense | $462,000 | 4,040 |
| Additional noninterest expense | $488,000 | 6,596 |
| Pre-tax net operating income | $1,216,000 | 4,723 |
| Securities gains (losses) | $8,000 | 1,870 |
| Applicable income taxes | $430,000 | 3,972 |
| Income before extraordinary items | $794,000 | 5,114 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $794,000 | 5,113 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-16,000 | 9,551 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $788,800 | 5,099 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,821,000 | 4,028 |
| Total interest expense | $4,412,000 | 3,368 |
| Net interest income | $3,409,000 | 4,690 |
| Provision for loan and lease losses | $60,000 | 6,123 |
| Total noninterest income | $53,000 | 9,805 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $53,000 | 8,063 |
| Total noninterest expense | $2,169,000 | 5,281 |
| Salaries and employee benefits | $1,282,000 | 4,822 |
| Premises and equipment expense | $448,000 | 4,025 |
| Additional noninterest expense | $439,000 | 6,894 |
| Pre-tax net operating income | $1,233,000 | 4,802 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $465,000 | 4,039 |
| Income before extraordinary items | $768,000 | 5,315 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $768,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,607 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $768,000 | 5,210 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,974,000 | 3,978 |
| Total interest expense | $4,433,000 | 3,332 |
| Net interest income | $3,541,000 | 4,692 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $77,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $77,000 | 7,483 |
| Total noninterest expense | $2,036,000 | 5,594 |
| Salaries and employee benefits | $1,213,000 | 5,048 |
| Premises and equipment expense | $446,000 | 4,075 |
| Additional noninterest expense | $377,000 | 7,557 |
| Pre-tax net operating income | $1,522,000 | 4,446 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $586,000 | 3,759 |
| Income before extraordinary items | $936,000 | 4,920 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $936,000 | 4,921 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $936,000 | 4,851 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $7,997,000 | 4,037 |
| Total interest expense | $4,560,000 | 3,285 |
| Net interest income | $3,437,000 | 4,893 |
| Provision for loan and lease losses | $104,000 | 5,004 |
| Total noninterest income | $42,000 | 10,977 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $42,000 | 9,253 |
| Total noninterest expense | $2,824,000 | 4,516 |
| Salaries and employee benefits | $1,172,000 | 5,312 |
| Premises and equipment expense | $425,000 | 4,323 |
| Additional noninterest expense | $1,227,000 | 3,712 |
| Pre-tax net operating income | $551,000 | 7,686 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $232,000 | 6,682 |
| Income before extraordinary items | $319,000 | 8,264 |
| Extraordinary gains, net | $45,000 | 31 |
| Net income | $364,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,693 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $319,000 | 8,199 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,905,000 | 4,052 |
| Total interest expense | $4,366,000 | 3,411 |
| Net interest income | $3,539,000 | 4,818 |
| Provision for loan and lease losses | $109,000 | 4,437 |
| Total noninterest income | $-83,000 | 11,970 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $-83,000 | 12,000 |
| Total noninterest expense | $2,366,000 | 5,237 |
| Salaries and employee benefits | $1,273,000 | 4,948 |
| Premises and equipment expense | $402,000 | 4,513 |
| Additional noninterest expense | $691,000 | 5,919 |
| Pre-tax net operating income | $981,000 | 6,077 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $398,000 | 4,964 |
| Income before extraordinary items | $583,000 | 6,713 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $583,000 | 6,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,297 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $583,000 | 6,700 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $7,914,000 | 3,780 |
| Total interest expense | $3,907,000 | 3,121 |
| Net interest income | $4,007,000 | 4,375 |
| Provision for loan and lease losses | $262,000 | 2,505 |
| Total noninterest income | $-19,000 | 12,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $-19,000 | 12,605 |
| Total noninterest expense | $2,090,000 | 5,988 |
| Salaries and employee benefits | $1,011,000 | 6,039 |
| Premises and equipment expense | $375,000 | 4,835 |
| Additional noninterest expense | $704,000 | 6,282 |
| Pre-tax net operating income | $1,636,000 | 4,090 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $673,000 | 3,186 |
| Income before extraordinary items | $963,000 | 4,655 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $963,000 | 4,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 2,017 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $963,000 | 4,706 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $8,215,000 | 3,719 |
| Total interest expense | $4,057,000 | 3,133 |
| Net interest income | $4,158,000 | 4,249 |
| Provision for loan and lease losses | $192,000 | 4,009 |
| Total noninterest income | $-5,000 | 13,244 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $-5,000 | 13,281 |
| Total noninterest expense | $2,566,000 | 5,158 |
| Salaries and employee benefits | $982,000 | 6,231 |
| Premises and equipment expense | $378,000 | 4,937 |
| Additional noninterest expense | $1,206,000 | 4,174 |
| Pre-tax net operating income | $1,395,000 | 4,605 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $610,000 | 3,549 |
| Income before extraordinary items | $785,000 | 5,643 |
| Extraordinary gains, net | $193,000 | 1,039 |
| Net income | $978,000 | 4,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 2,232 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $785,000 | 5,409 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $8,787,000 | 3,946 |
| Total interest expense | $4,725,000 | 3,474 |
| Net interest income | $4,062,000 | 4,380 |
| Provision for loan and lease losses | $234,000 | 4,813 |
| Total noninterest income | $119,000 | 11,221 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $119,000 | 7,481 |
| Total noninterest expense | $2,428,000 | 5,441 |
| Salaries and employee benefits | $964,000 | 6,239 |
| Premises and equipment expense | $380,000 | 4,992 |
| Additional noninterest expense | $1,084,000 | 4,744 |
| Pre-tax net operating income | $1,519,000 | 4,001 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $645,000 | 3,231 |
| Income before extraordinary items | $874,000 | 5,028 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $874,000 | 5,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $171,000 | 4,574 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $874,000 | 4,723 |
* 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.