Home > Enterprise Bank of Florida > Income and Expense
Enterprise Bank of Florida, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $4,810,000 | 2,525 |
| Total interest expense | $686,000 | 2,436 |
| Net interest income | $4,124,000 | 2,536 |
| Provision for loan and lease losses | $956,000 | 702 |
| Total noninterest income | $586,000 | 3,022 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $109,000 | 3,964 |
| Trading account gains and fees | $425,000 | 78 |
| Additional Noninterest Income | $52,000 | 5,464 |
| Total noninterest expense | $5,022,000 | 1,897 |
| Salaries and employee benefits | $2,697,000 | 1,907 |
| Premises and equipment expense | $434,000 | 2,572 |
| Additional noninterest expense | $1,891,000 | 1,680 |
| Pre-tax net operating income | $-1,268,000 | 6,821 |
| Securities gains (losses) | $-32,000 | 6,764 |
| Applicable income taxes | $0 | 4,679 |
| Income before extraordinary items | $-1,300,000 | 6,848 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-1,300,000 | 6,849 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $-1,300,000 | 6,849 |
| Net charge-offs | $1,342,000 | 626 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $-1,268,000 | 6,833 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $2,426,000 | 2,512 |
| Total interest expense | $350,000 | 2,453 |
| Net interest income | $2,076,000 | 2,534 |
| Provision for loan and lease losses | $956,000 | 415 |
| Total noninterest income | $1,189,000 | 1,190 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $58,000 | 3,830 |
| Trading account gains and fees | $1,080,000 | 52 |
| Additional Noninterest Income | $51,000 | 4,683 |
| Total noninterest expense | $1,825,000 | 2,573 |
| Salaries and employee benefits | $1,045,000 | 2,425 |
| Premises and equipment expense | $216,000 | 2,612 |
| Additional noninterest expense | $564,000 | 2,692 |
| Pre-tax net operating income | $484,000 | 2,927 |
| Securities gains (losses) | $-72,000 | 6,941 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $412,000 | 2,970 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $412,000 | 2,970 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $412,000 | 2,972 |
| Net charge-offs | $42,000 | 2,538 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $484,000 | 2,576 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $10,881,000 | 2,372 |
| Total interest expense | $2,457,000 | 1,780 |
| Net interest income | $8,424,000 | 2,553 |
| Provision for loan and lease losses | $4,604,000 | 546 |
| Total noninterest income | $4,576,000 | 1,215 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $180,000 | 4,458 |
| Trading account gains and fees | $3,133,000 | 59 |
| Additional Noninterest Income | $1,263,000 | 2,060 |
| Total noninterest expense | $7,139,000 | 2,613 |
| Salaries and employee benefits | $3,881,000 | 2,525 |
| Premises and equipment expense | $872,000 | 2,561 |
| Additional noninterest expense | $2,386,000 | 2,663 |
| Pre-tax net operating income | $1,257,000 | 3,636 |
| Securities gains (losses) | $678,000 | 746 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,935,000 | 2,638 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,935,000 | 2,641 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,935,000 | 2,639 |
| Net charge-offs | $4,180,000 | 666 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,257,000 | 3,311 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $8,499,000 | 2,334 |
| Total interest expense | $2,050,000 | 1,688 |
| Net interest income | $6,449,000 | 2,533 |
| Provision for loan and lease losses | $400,000 | 2,581 |
| Total noninterest income | $3,206,000 | 1,283 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $127,000 | 4,624 |
| Trading account gains and fees | $2,033,000 | 59 |
| Additional Noninterest Income | $1,046,000 | 1,936 |
| Total noninterest expense | $5,947,000 | 2,391 |
| Salaries and employee benefits | $3,059,000 | 2,412 |
| Premises and equipment expense | $652,000 | 2,578 |
| Additional noninterest expense | $2,236,000 | 2,169 |
| Pre-tax net operating income | $3,308,000 | 1,569 |
| Securities gains (losses) | $874,000 | 462 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $4,182,000 | 1,089 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $4,182,000 | 1,090 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $4,182,000 | 1,090 |
| Net charge-offs | $514,000 | 2,146 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $3,308,000 | 1,292 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $5,921,000 | 2,266 |
| Total interest expense | $1,453,000 | 1,657 |
| Net interest income | $4,468,000 | 2,439 |
| Provision for loan and lease losses | $400,000 | 2,061 |
| Total noninterest income | $1,900,000 | 1,371 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $83,000 | 4,665 |
| Trading account gains and fees | $776,000 | 64 |
| Additional Noninterest Income | $1,041,000 | 1,474 |
| Total noninterest expense | $3,850,000 | 2,455 |
| Salaries and employee benefits | $1,885,000 | 2,618 |
| Premises and equipment expense | $433,000 | 2,598 |
| Additional noninterest expense | $1,532,000 | 2,115 |
| Pre-tax net operating income | $2,118,000 | 1,614 |
| Securities gains (losses) | $-21,000 | 6,986 |
| Applicable income taxes | $0 | 4,770 |
| Income before extraordinary items | $2,097,000 | 1,416 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,097,000 | 1,415 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $2,097,000 | 1,416 |
| Net charge-offs | $123,000 | 3,228 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $2,118,000 | 1,322 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $2,928,000 | 2,320 |
| Total interest expense | $750,000 | 1,673 |
| Net interest income | $2,178,000 | 2,513 |
| Provision for loan and lease losses | $400,000 | 1,246 |
| Total noninterest income | $2,839,000 | 615 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $41,000 | 4,661 |
| Trading account gains and fees | $1,798,000 | 46 |
| Additional Noninterest Income | $1,000,000 | 901 |
| Total noninterest expense | $2,051,000 | 2,316 |
| Salaries and employee benefits | $1,076,000 | 2,322 |
| Premises and equipment expense | $220,000 | 2,591 |
| Additional noninterest expense | $755,000 | 2,140 |
| Pre-tax net operating income | $2,566,000 | 716 |
| Securities gains (losses) | $32,000 | 1,419 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $2,598,000 | 604 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $2,598,000 | 604 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $2,598,000 | 605 |
| Net charge-offs | $216,000 | 1,769 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $2,566,000 | 597 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $11,518,000 | 2,430 |
| Total interest expense | $3,610,000 | 1,659 |
| Net interest income | $7,908,000 | 2,769 |
| Provision for loan and lease losses | $5,310,000 | 750 |
| Total noninterest income | $10,073,000 | 604 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $250,000 | 3,959 |
| Trading account gains and fees | $8,834,000 | 43 |
| Additional Noninterest Income | $989,000 | 2,150 |
| Total noninterest expense | $11,802,000 | 1,657 |
| Salaries and employee benefits | $3,623,000 | 2,664 |
| Premises and equipment expense | $901,000 | 2,641 |
| Additional noninterest expense | $7,278,000 | 972 |
| Pre-tax net operating income | $869,000 | 3,977 |
| Securities gains (losses) | $-341,000 | 7,206 |
| Applicable income taxes | $0 | 4,719 |
| Income before extraordinary items | $528,000 | 4,575 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $528,000 | 4,578 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $528,000 | 4,577 |
| Net charge-offs | $6,180,000 | 674 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $2,019,000 | 241 |
| Net operating income | $869,000 | 3,689 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $8,865,000 | 2,377 |
| Total interest expense | $2,808,000 | 1,672 |
| Net interest income | $6,057,000 | 2,717 |
| Provision for loan and lease losses | $5,310,000 | 586 |
| Total noninterest income | $8,962,000 | 543 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $201,000 | 3,840 |
| Trading account gains and fees | $8,234,000 | 43 |
| Additional Noninterest Income | $527,000 | 2,628 |
| Total noninterest expense | $10,161,000 | 1,440 |
| Salaries and employee benefits | $2,962,000 | 2,431 |
| Premises and equipment expense | $672,000 | 2,681 |
| Additional noninterest expense | $6,527,000 | 818 |
| Pre-tax net operating income | $-452,000 | 6,579 |
| Securities gains (losses) | $-311,000 | 7,309 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $-763,000 | 6,787 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-763,000 | 6,788 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-763,000 | 6,787 |
| Net charge-offs | $5,362,000 | 596 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $2,019,000 | 205 |
| Net operating income | $-452,000 | 6,615 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $6,009,000 | 2,366 |
| Total interest expense | $1,956,000 | 1,667 |
| Net interest income | $4,053,000 | 2,708 |
| Provision for loan and lease losses | $5,310,000 | 408 |
| Total noninterest income | $979,000 | 2,024 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $135,000 | 3,806 |
| Trading account gains and fees | $178,000 | 87 |
| Additional Noninterest Income | $666,000 | 1,766 |
| Total noninterest expense | $3,752,000 | 2,530 |
| Salaries and employee benefits | $1,824,000 | 2,651 |
| Premises and equipment expense | $449,000 | 2,675 |
| Additional noninterest expense | $1,479,000 | 2,268 |
| Pre-tax net operating income | $-4,030,000 | 7,328 |
| Securities gains (losses) | $-401,000 | 7,423 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $-4,431,000 | 7,356 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-4,431,000 | 7,356 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-4,431,000 | 7,356 |
| Net charge-offs | $5,180,000 | 451 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-4,030,000 | 7,336 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,077,000 | 2,333 |
| Total interest expense | $1,030,000 | 1,648 |
| Net interest income | $2,047,000 | 2,669 |
| Provision for loan and lease losses | $646,000 | 1,206 |
| Total noninterest income | $1,120,000 | 1,119 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $68,000 | 3,740 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $1,052,000 | 795 |
| Total noninterest expense | $1,950,000 | 2,470 |
| Salaries and employee benefits | $951,000 | 2,546 |
| Premises and equipment expense | $225,000 | 2,710 |
| Additional noninterest expense | $774,000 | 2,170 |
| Pre-tax net operating income | $571,000 | 2,322 |
| Securities gains (losses) | $-386,000 | 7,506 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $185,000 | 4,124 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $185,000 | 4,123 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $185,000 | 4,124 |
| Net charge-offs | $486,000 | 1,354 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $571,000 | 1,961 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,275,000 | 1,858 |
| Total interest expense | $5,337,000 | 1,553 |
| Net interest income | $10,938,000 | 1,993 |
| Provision for loan and lease losses | $3,423,000 | 1,481 |
| Total noninterest income | $546,000 | 4,411 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $302,000 | 3,628 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $244,000 | 4,282 |
| Total noninterest expense | $8,783,000 | 2,210 |
| Salaries and employee benefits | $3,786,000 | 2,540 |
| Premises and equipment expense | $902,000 | 2,694 |
| Additional noninterest expense | $4,095,000 | 1,756 |
| Pre-tax net operating income | $-722,000 | 6,365 |
| Securities gains (losses) | $-1,961,000 | 7,566 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $-2,683,000 | 6,958 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-2,683,000 | 6,958 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-2,683,000 | 6,959 |
| Net charge-offs | $4,701,000 | 1,080 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 185 |
| Net operating income | $-722,000 | 6,433 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $13,049,000 | 1,780 |
| Total interest expense | $4,190,000 | 1,551 |
| Net interest income | $8,859,000 | 1,891 |
| Provision for loan and lease losses | $2,160,000 | 1,570 |
| Total noninterest income | $387,000 | 4,579 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $236,000 | 3,611 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $151,000 | 4,646 |
| Total noninterest expense | $6,477,000 | 2,239 |
| Salaries and employee benefits | $2,938,000 | 2,466 |
| Premises and equipment expense | $676,000 | 2,742 |
| Additional noninterest expense | $2,863,000 | 1,842 |
| Pre-tax net operating income | $609,000 | 3,927 |
| Securities gains (losses) | $505,000 | 735 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $1,114,000 | 2,693 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,114,000 | 2,690 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,114,000 | 2,695 |
| Net charge-offs | $4,033,000 | 912 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 144 |
| Net operating income | $609,000 | 3,618 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $9,103,000 | 1,718 |
| Total interest expense | $2,932,000 | 1,538 |
| Net interest income | $6,171,000 | 1,815 |
| Provision for loan and lease losses | $1,031,000 | 1,904 |
| Total noninterest income | $278,000 | 4,415 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $159,000 | 3,587 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $119,000 | 4,352 |
| Total noninterest expense | $4,176,000 | 2,315 |
| Salaries and employee benefits | $2,005,000 | 2,433 |
| Premises and equipment expense | $437,000 | 2,837 |
| Additional noninterest expense | $1,734,000 | 1,991 |
| Pre-tax net operating income | $1,242,000 | 2,009 |
| Securities gains (losses) | $-197,000 | 7,591 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $1,045,000 | 2,034 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,045,000 | 2,032 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,045,000 | 2,034 |
| Net charge-offs | $2,203,000 | 1,057 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $3,500,000 | 101 |
| Net operating income | $1,242,000 | 1,671 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,641,000 | 1,733 |
| Total interest expense | $1,616,000 | 1,462 |
| Net interest income | $3,025,000 | 1,875 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $137,000 | 4,479 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $78,000 | 3,626 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $59,000 | 4,409 |
| Total noninterest expense | $1,921,000 | 2,542 |
| Salaries and employee benefits | $1,027,000 | 2,407 |
| Premises and equipment expense | $218,000 | 2,918 |
| Additional noninterest expense | $676,000 | 2,446 |
| Pre-tax net operating income | $1,241,000 | 1,064 |
| Securities gains (losses) | $-341,000 | 7,804 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $900,000 | 1,213 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $900,000 | 1,216 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $900,000 | 1,215 |
| Net charge-offs | $781,000 | 1,228 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $2,000,000 | 89 |
| Net operating income | $1,241,000 | 856 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $21,780,000 | 1,572 |
| Total interest expense | $7,897,000 | 1,500 |
| Net interest income | $13,883,000 | 1,616 |
| Provision for loan and lease losses | $7,134,000 | 1,112 |
| Total noninterest income | $568,000 | 4,479 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $315,000 | 3,794 |
| Trading account gains and fees | $21,000 | 185 |
| Additional Noninterest Income | $232,000 | 4,405 |
| Total noninterest expense | $11,223,000 | 1,820 |
| Salaries and employee benefits | $4,286,000 | 2,294 |
| Premises and equipment expense | $841,000 | 2,990 |
| Additional noninterest expense | $6,096,000 | 1,247 |
| Pre-tax net operating income | $-3,906,000 | 7,045 |
| Securities gains (losses) | $-2,232,000 | 7,817 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $-6,138,000 | 7,365 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,138,000 | 7,364 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,138,000 | 7,364 |
| Net charge-offs | $3,022,000 | 1,597 |
| Cash dividends | $993,000 | 1,673 |
| Sale, conversion, retirement of capital stock, net | $2,001,000 | 333 |
| Net operating income | $-3,906,000 | 7,140 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $16,217,000 | 1,609 |
| Total interest expense | $6,059,000 | 1,535 |
| Net interest income | $10,158,000 | 1,660 |
| Provision for loan and lease losses | $4,326,000 | 1,156 |
| Total noninterest income | $369,000 | 4,817 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $232,000 | 3,840 |
| Trading account gains and fees | $19,000 | 186 |
| Additional Noninterest Income | $118,000 | 5,160 |
| Total noninterest expense | $9,085,000 | 1,670 |
| Salaries and employee benefits | $3,079,000 | 2,424 |
| Premises and equipment expense | $633,000 | 3,011 |
| Additional noninterest expense | $5,373,000 | 1,050 |
| Pre-tax net operating income | $-2,884,000 | 7,258 |
| Securities gains (losses) | $-736,000 | 7,813 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $-3,620,000 | 7,444 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-3,620,000 | 7,444 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-3,620,000 | 7,444 |
| Net charge-offs | $2,676,000 | 1,263 |
| Cash dividends | $965,000 | 1,306 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,230 |
| Net operating income | $-2,884,000 | 7,348 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $10,198,000 | 1,733 |
| Total interest expense | $4,071,000 | 1,601 |
| Net interest income | $6,127,000 | 1,813 |
| Provision for loan and lease losses | $1,250,000 | 1,805 |
| Total noninterest income | $243,000 | 4,861 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $150,000 | 3,865 |
| Trading account gains and fees | $15,000 | 174 |
| Additional Noninterest Income | $78,000 | 5,201 |
| Total noninterest expense | $6,109,000 | 1,685 |
| Salaries and employee benefits | $2,099,000 | 2,405 |
| Premises and equipment expense | $503,000 | 2,627 |
| Additional noninterest expense | $3,507,000 | 1,095 |
| Pre-tax net operating income | $-989,000 | 7,021 |
| Securities gains (losses) | $-301,000 | 7,846 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-1,290,000 | 7,269 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,290,000 | 7,269 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-1,290,000 | 7,268 |
| Net charge-offs | $835,000 | 1,789 |
| Cash dividends | $965,000 | 959 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,182 |
| Net operating income | $-989,000 | 7,139 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,406,000 | 2,018 |
| Total interest expense | $2,040,000 | 1,665 |
| Net interest income | $2,366,000 | 2,309 |
| Provision for loan and lease losses | $100,000 | 3,845 |
| Total noninterest income | $122,000 | 4,844 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $74,000 | 3,855 |
| Trading account gains and fees | $12,000 | 134 |
| Additional Noninterest Income | $36,000 | 5,346 |
| Total noninterest expense | $3,933,000 | 1,276 |
| Salaries and employee benefits | $878,000 | 2,869 |
| Premises and equipment expense | $251,000 | 2,673 |
| Additional noninterest expense | $2,804,000 | 615 |
| Pre-tax net operating income | $-1,545,000 | 7,755 |
| Securities gains (losses) | $-134,000 | 8,010 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $-1,679,000 | 7,858 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,679,000 | 7,859 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,679,000 | 7,859 |
| Net charge-offs | $-17,000 | 7,962 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,545,000 | 7,825 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,009,000 | 2,331 |
| Total interest expense | $8,604,000 | 1,851 |
| Net interest income | $7,405,000 | 2,893 |
| Provision for loan and lease losses | $338,000 | 4,430 |
| Total noninterest income | $-867,000 | 8,247 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $287,000 | 4,096 |
| Trading account gains and fees | $-1,812,000 | 8,258 |
| Additional Noninterest Income | $658,000 | 2,745 |
| Total noninterest expense | $5,929,000 | 3,112 |
| Salaries and employee benefits | $3,380,000 | 2,926 |
| Premises and equipment expense | $850,000 | 3,026 |
| Additional noninterest expense | $1,699,000 | 3,299 |
| Pre-tax net operating income | $271,000 | 5,535 |
| Securities gains (losses) | $-729,000 | 7,636 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $-458,000 | 6,682 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-458,000 | 6,682 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $316,000 | 3,464 |
| Cash dividends | $591,000 | 3,149 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,363 |
| Net operating income | $271,000 | 5,377 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $11,887,000 | 2,400 |
| Total interest expense | $6,500,000 | 1,897 |
| Net interest income | $5,387,000 | 3,003 |
| Provision for loan and lease losses | $300,000 | 3,542 |
| Total noninterest income | $-1,913,000 | 8,357 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $199,000 | 4,270 |
| Trading account gains and fees | $-2,204,000 | 8,338 |
| Additional Noninterest Income | $92,000 | 5,760 |
| Total noninterest expense | $4,268,000 | 3,207 |
| Salaries and employee benefits | $2,464,000 | 3,030 |
| Premises and equipment expense | $624,000 | 3,088 |
| Additional noninterest expense | $1,180,000 | 3,433 |
| Pre-tax net operating income | $-1,094,000 | 7,578 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $-1,094,000 | 7,551 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-1,094,000 | 7,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,747 |
| Cash dividends | $482,000 | 2,797 |
| Sale, conversion, retirement of capital stock, net | $3,000 | 1,212 |
| Net operating income | $-1,094,000 | 7,664 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $7,946,000 | 2,431 |
| Total interest expense | $4,422,000 | 1,950 |
| Net interest income | $3,524,000 | 3,029 |
| Provision for loan and lease losses | $225,000 | 2,959 |
| Total noninterest income | $-967,000 | 8,430 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $120,000 | 4,469 |
| Trading account gains and fees | $-1,157,000 | 8,411 |
| Additional Noninterest Income | $70,000 | 5,638 |
| Total noninterest expense | $2,770,000 | 3,296 |
| Salaries and employee benefits | $1,611,000 | 3,117 |
| Premises and equipment expense | $409,000 | 3,155 |
| Additional noninterest expense | $750,000 | 3,517 |
| Pre-tax net operating income | $-438,000 | 7,553 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-438,000 | 7,643 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-438,000 | 7,643 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 5,014 |
| Cash dividends | $294,000 | 3,025 |
| Sale, conversion, retirement of capital stock, net | $2,000 | 1,115 |
| Net operating income | $-438,000 | 7,626 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $3,964,000 | 2,490 |
| Total interest expense | $2,249,000 | 2,046 |
| Net interest income | $1,715,000 | 3,130 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $-485,000 | 8,467 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $55,000 | 4,609 |
| Trading account gains and fees | $-582,000 | 8,457 |
| Additional Noninterest Income | $42,000 | 5,361 |
| Total noninterest expense | $1,342,000 | 3,389 |
| Salaries and employee benefits | $770,000 | 3,268 |
| Premises and equipment expense | $201,000 | 3,212 |
| Additional noninterest expense | $371,000 | 3,504 |
| Pre-tax net operating income | $-172,000 | 7,706 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $-172,000 | 7,793 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-172,000 | 7,792 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-172,000 | 7,757 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $16,404,000 | 2,486 |
| Total interest expense | $8,773,000 | 2,155 |
| Net interest income | $7,631,000 | 2,860 |
| Provision for loan and lease losses | $135,000 | 4,463 |
| Total noninterest income | $-14,000 | 8,492 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $278,000 | 4,243 |
| Trading account gains and fees | $-384,000 | 8,492 |
| Additional Noninterest Income | $92,000 | 6,335 |
| Total noninterest expense | $6,541,000 | 2,740 |
| Salaries and employee benefits | $3,754,000 | 2,640 |
| Premises and equipment expense | $799,000 | 3,082 |
| Additional noninterest expense | $1,988,000 | 2,686 |
| Pre-tax net operating income | $941,000 | 4,857 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $457,000 | 2,852 |
| Income before extraordinary items | $486,000 | 5,727 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $486,000 | 5,727 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 1,805 |
| Cash dividends | $694,000 | 3,222 |
| Sale, conversion, retirement of capital stock, net | $3,707,000 | 299 |
| Net operating income | $484,720 | 5,720 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $12,217,000 | 2,507 |
| Total interest expense | $6,440,000 | 2,189 |
| Net interest income | $5,777,000 | 2,831 |
| Provision for loan and lease losses | $135,000 | 3,624 |
| Total noninterest income | $112,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $175,000 | 4,627 |
| Trading account gains and fees | $-140,000 | 8,522 |
| Additional Noninterest Income | $77,000 | 6,222 |
| Total noninterest expense | $5,088,000 | 2,648 |
| Salaries and employee benefits | $2,887,000 | 2,572 |
| Premises and equipment expense | $591,000 | 3,103 |
| Additional noninterest expense | $1,610,000 | 2,450 |
| Pre-tax net operating income | $666,000 | 5,222 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $457,000 | 2,651 |
| Income before extraordinary items | $211,000 | 6,757 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $211,000 | 6,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 1,377 |
| Cash dividends | $553,000 | 2,797 |
| Sale, conversion, retirement of capital stock, net | $3,707,000 | 221 |
| Net operating income | $209,720 | 6,753 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $7,984,000 | 2,569 |
| Total interest expense | $4,212,000 | 2,234 |
| Net interest income | $3,772,000 | 2,915 |
| Provision for loan and lease losses | $135,000 | 2,802 |
| Total noninterest income | $299,000 | 4,672 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $110,000 | 4,742 |
| Trading account gains and fees | $135,000 | 103 |
| Additional Noninterest Income | $54,000 | 6,160 |
| Total noninterest expense | $2,828,000 | 3,107 |
| Salaries and employee benefits | $1,904,000 | 2,624 |
| Premises and equipment expense | $374,000 | 3,262 |
| Additional noninterest expense | $550,000 | 4,280 |
| Pre-tax net operating income | $1,108,000 | 3,296 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $457,000 | 2,193 |
| Income before extraordinary items | $653,000 | 3,982 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $653,000 | 3,982 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $347,000 | 929 |
| Cash dividends | $354,000 | 2,923 |
| Sale, conversion, retirement of capital stock, net | $3,707,000 | 165 |
| Net operating income | $651,720 | 3,976 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $3,956,000 | 2,581 |
| Total interest expense | $2,107,000 | 2,219 |
| Net interest income | $1,849,000 | 2,964 |
| Provision for loan and lease losses | $110,000 | 1,886 |
| Total noninterest income | $109,000 | 5,358 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $49,000 | 4,927 |
| Trading account gains and fees | $38,000 | 147 |
| Additional Noninterest Income | $22,000 | 6,474 |
| Total noninterest expense | $1,218,000 | 3,529 |
| Salaries and employee benefits | $824,000 | 3,004 |
| Premises and equipment expense | $168,000 | 3,579 |
| Additional noninterest expense | $226,000 | 4,851 |
| Pre-tax net operating income | $630,000 | 3,015 |
| Securities gains (losses) | $2,000 | 969 |
| Applicable income taxes | $448,000 | 1,395 |
| Income before extraordinary items | $184,000 | 5,244 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $184,000 | 5,244 |
| 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 | $3,707,000 | 83 |
| Net operating income | $182,720 | 5,251 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $13,966,000 | 2,696 |
| Total interest expense | $6,839,000 | 2,332 |
| Net interest income | $7,127,000 | 3,054 |
| Provision for loan and lease losses | $-190,000 | 8,529 |
| Total noninterest income | $555,000 | 4,905 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $160,000 | 5,402 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $395,000 | 3,757 |
| Total noninterest expense | $5,918,000 | 2,904 |
| Salaries and employee benefits | $3,415,000 | 2,794 |
| Premises and equipment expense | $655,000 | 3,515 |
| Additional noninterest expense | $1,848,000 | 2,744 |
| Pre-tax net operating income | $1,954,000 | 3,704 |
| Securities gains (losses) | $238,000 | 356 |
| Applicable income taxes | $829,000 | 2,423 |
| Income before extraordinary items | $1,363,000 | 3,986 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,363,000 | 3,986 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-896,000 | 8,659 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $16,318,000 | 120 |
| Net operating income | $1,210,680 | 4,241 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $10,320,000 | 2,715 |
| Total interest expense | $4,866,000 | 2,369 |
| Net interest income | $5,454,000 | 3,038 |
| Provision for loan and lease losses | $-343,000 | 8,648 |
| Total noninterest income | $497,000 | 4,490 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $113,000 | 5,578 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $384,000 | 3,279 |
| Total noninterest expense | $4,393,000 | 2,926 |
| Salaries and employee benefits | $2,512,000 | 2,839 |
| Premises and equipment expense | $479,000 | 3,587 |
| Additional noninterest expense | $1,402,000 | 2,715 |
| Pre-tax net operating income | $1,901,000 | 3,225 |
| Securities gains (losses) | $238,000 | 307 |
| Applicable income taxes | $809,000 | 2,183 |
| Income before extraordinary items | $1,330,000 | 3,482 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,330,000 | 3,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-896,000 | 8,715 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $20,025,000 | 53 |
| Net operating income | $1,177,680 | 3,774 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,711,000 | 2,748 |
| Total interest expense | $2,980,000 | 2,452 |
| Net interest income | $3,731,000 | 2,971 |
| Provision for loan and lease losses | $470,000 | 1,035 |
| Total noninterest income | $426,000 | 3,903 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $61,000 | 5,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $365,000 | 2,691 |
| Total noninterest expense | $2,830,000 | 3,028 |
| Salaries and employee benefits | $1,625,000 | 2,914 |
| Premises and equipment expense | $311,000 | 3,664 |
| Additional noninterest expense | $894,000 | 2,834 |
| Pre-tax net operating income | $857,000 | 4,166 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $325,000 | 2,932 |
| Income before extraordinary items | $532,000 | 4,731 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $532,000 | 4,735 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,282 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $20,025,000 | 30 |
| Net operating income | $532,000 | 4,720 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,163,000 | 2,842 |
| Total interest expense | $1,320,000 | 2,610 |
| Net interest income | $1,843,000 | 2,985 |
| Provision for loan and lease losses | $334,000 | 715 |
| Total noninterest income | $357,000 | 2,741 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $327,000 | 1,814 |
| Total noninterest expense | $1,365,000 | 3,127 |
| Salaries and employee benefits | $765,000 | 3,086 |
| Premises and equipment expense | $149,000 | 3,811 |
| Additional noninterest expense | $451,000 | 2,804 |
| Pre-tax net operating income | $501,000 | 3,725 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $190,000 | 2,679 |
| Income before extraordinary items | $311,000 | 4,328 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $311,000 | 4,328 |
| 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 | $20,025,000 | 7 |
| Net operating income | $311,000 | 4,317 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $10,195,000 | 3,106 |
| Total interest expense | $4,715,000 | 2,323 |
| Net interest income | $5,480,000 | 3,697 |
| Provision for loan and lease losses | $108,000 | 4,712 |
| Total noninterest income | $824,000 | 3,987 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $103,000 | 6,251 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $721,000 | 2,716 |
| Total noninterest expense | $4,975,000 | 3,253 |
| Salaries and employee benefits | $2,759,000 | 3,196 |
| Premises and equipment expense | $488,000 | 4,262 |
| Additional noninterest expense | $1,728,000 | 2,868 |
| Pre-tax net operating income | $1,221,000 | 4,866 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $465,000 | 3,482 |
| Income before extraordinary items | $756,000 | 5,485 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $756,000 | 5,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,620 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $4,116,000 | 326 |
| Net operating income | $756,000 | 5,455 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $7,550,000 | 3,088 |
| Total interest expense | $3,492,000 | 2,226 |
| Net interest income | $4,058,000 | 3,720 |
| Provision for loan and lease losses | $88,000 | 4,501 |
| Total noninterest income | $157,000 | 7,017 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $64,000 | 6,537 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $93,000 | 6,056 |
| Total noninterest expense | $3,637,000 | 3,294 |
| Salaries and employee benefits | $1,999,000 | 3,275 |
| Premises and equipment expense | $355,000 | 4,325 |
| Additional noninterest expense | $1,283,000 | 2,864 |
| Pre-tax net operating income | $490,000 | 6,437 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $186,000 | 4,524 |
| Income before extraordinary items | $304,000 | 6,896 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $304,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,898 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $4,116,000 | 237 |
| Net operating income | $304,000 | 6,847 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,985,000 | 3,044 |
| Total interest expense | $2,258,000 | 2,180 |
| Net interest income | $2,727,000 | 3,674 |
| Provision for loan and lease losses | $65,000 | 4,019 |
| Total noninterest income | $118,000 | 6,779 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $40,000 | 6,599 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $78,000 | 5,666 |
| Total noninterest expense | $2,316,000 | 3,392 |
| Salaries and employee benefits | $1,319,000 | 3,283 |
| Premises and equipment expense | $231,000 | 4,365 |
| Additional noninterest expense | $766,000 | 3,136 |
| Pre-tax net operating income | $464,000 | 5,630 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $176,000 | 4,015 |
| Income before extraordinary items | $288,000 | 6,204 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $288,000 | 6,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 4,194 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $1,330,000 | 226 |
| Net operating income | $288,000 | 6,149 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 3,063 |
| Total interest expense | $1,075,000 | 2,182 |
| Net interest income | $1,357,000 | 3,701 |
| Provision for loan and lease losses | $41,000 | 3,575 |
| Total noninterest income | $38,000 | 7,492 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $21,000 | 6,536 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $17,000 | 7,096 |
| Total noninterest expense | $1,112,000 | 3,533 |
| Salaries and employee benefits | $649,000 | 3,325 |
| Premises and equipment expense | $115,000 | 4,423 |
| Additional noninterest expense | $348,000 | 3,377 |
| Pre-tax net operating income | $242,000 | 5,520 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $92,000 | 3,902 |
| Income before extraordinary items | $150,000 | 6,094 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $150,000 | 6,095 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 2,991 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $325,000 | 188 |
| Net operating income | $150,000 | 6,054 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $7,480,000 | 3,599 |
| Total interest expense | $2,596,000 | 2,950 |
| Net interest income | $4,884,000 | 3,869 |
| Provision for loan and lease losses | $22,000 | 6,676 |
| Total noninterest income | $157,000 | 7,547 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $57,000 | 7,178 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $100,000 | 6,428 |
| Total noninterest expense | $4,961,000 | 3,141 |
| Salaries and employee benefits | $2,434,000 | 3,424 |
| Premises and equipment expense | $420,000 | 4,614 |
| Additional noninterest expense | $2,107,000 | 2,309 |
| Pre-tax net operating income | $58,000 | 8,228 |
| Securities gains (losses) | $3,000 | 3,369 |
| Applicable income taxes | $27,000 | 6,410 |
| Income before extraordinary items | $34,000 | 8,335 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $34,000 | 8,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,475 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $1,715,000 | 360 |
| Net operating income | $32,080 | 8,307 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $5,276,000 | 3,763 |
| Total interest expense | $1,718,000 | 3,215 |
| Net interest income | $3,558,000 | 3,954 |
| Provision for loan and lease losses | $22,000 | 6,263 |
| Total noninterest income | $121,000 | 7,544 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $39,000 | 7,302 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $82,000 | 6,269 |
| Total noninterest expense | $3,533,000 | 3,281 |
| Salaries and employee benefits | $1,782,000 | 3,460 |
| Premises and equipment expense | $301,000 | 4,738 |
| Additional noninterest expense | $1,450,000 | 2,463 |
| Pre-tax net operating income | $124,000 | 8,026 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $51,000 | 5,955 |
| Income before extraordinary items | $76,000 | 8,205 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $76,000 | 8,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $905,000 | 320 |
| Net operating income | $74,080 | 8,163 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,405,000 | 3,864 |
| Total interest expense | $1,054,000 | 3,449 |
| Net interest income | $2,351,000 | 3,966 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $88,000 | 7,448 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $23,000 | 7,421 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $65,000 | 5,981 |
| Total noninterest expense | $2,340,000 | 3,301 |
| Salaries and employee benefits | $1,133,000 | 3,606 |
| Premises and equipment expense | $196,000 | 4,825 |
| Additional noninterest expense | $1,011,000 | 2,367 |
| Pre-tax net operating income | $99,000 | 7,930 |
| Securities gains (losses) | $-5,000 | 8,574 |
| Applicable income taxes | $38,000 | 5,863 |
| Income before extraordinary items | $56,000 | 8,187 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $56,000 | 8,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,897 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $450,000 | 270 |
| Net operating income | $59,200 | 8,104 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,677,000 | 3,906 |
| Total interest expense | $494,000 | 3,683 |
| Net interest income | $1,183,000 | 3,939 |
| Provision for loan and lease losses | $35,000 | 3,916 |
| Total noninterest income | $48,000 | 7,273 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $11,000 | 7,439 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $37,000 | 5,724 |
| Total noninterest expense | $1,109,000 | 3,467 |
| Salaries and employee benefits | $562,000 | 3,657 |
| Premises and equipment expense | $100,000 | 4,791 |
| Additional noninterest expense | $447,000 | 2,622 |
| Pre-tax net operating income | $87,000 | 7,358 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $33,000 | 5,294 |
| Income before extraordinary items | $54,000 | 7,710 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $54,000 | 7,710 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,677 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $54,000 | 7,642 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $6,269,000 | 4,185 |
| Total interest expense | $1,927,000 | 4,138 |
| Net interest income | $4,342,000 | 4,109 |
| Provision for loan and lease losses | $156,000 | 4,510 |
| Total noninterest income | $311,000 | 6,517 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $51,000 | 7,419 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $260,000 | 4,777 |
| Total noninterest expense | $6,984,000 | 2,258 |
| Salaries and employee benefits | $2,075,000 | 3,812 |
| Premises and equipment expense | $417,000 | 4,596 |
| Additional noninterest expense | $4,492,000 | 1,130 |
| Pre-tax net operating income | $-2,487,000 | 9,097 |
| Securities gains (losses) | $46,000 | 2,589 |
| Applicable income taxes | $-915,000 | 9,130 |
| Income before extraordinary items | $-1,526,000 | 9,091 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $-1,526,000 | 9,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $870,000 | 1,023 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $2,750,000 | 297 |
| Net operating income | $-1,555,440 | 9,052 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,735,000 | 4,200 |
| Total interest expense | $1,475,000 | 4,196 |
| Net interest income | $3,260,000 | 4,127 |
| Provision for loan and lease losses | $126,000 | 4,268 |
| Total noninterest income | $191,000 | 6,968 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $36,000 | 7,530 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $155,000 | 5,278 |
| Total noninterest expense | $6,005,000 | 1,986 |
| Salaries and employee benefits | $1,553,000 | 3,798 |
| Premises and equipment expense | $311,000 | 4,602 |
| Additional noninterest expense | $4,141,000 | 932 |
| Pre-tax net operating income | $-2,680,000 | 9,180 |
| Securities gains (losses) | $45,000 | 2,401 |
| Applicable income taxes | $-989,000 | 9,204 |
| Income before extraordinary items | $-1,646,000 | 9,177 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $-1,646,000 | 9,177 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $870,000 | 761 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $2,750,000 | 202 |
| Net operating income | $-1,674,800 | 9,145 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,029,000 | 4,360 |
| Total interest expense | $1,020,000 | 4,186 |
| Net interest income | $2,009,000 | 4,383 |
| Provision for loan and lease losses | $86,000 | 4,207 |
| Total noninterest income | $129,000 | 6,934 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $22,000 | 7,601 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $107,000 | 5,211 |
| Total noninterest expense | $4,927,000 | 1,629 |
| Salaries and employee benefits | $1,020,000 | 3,847 |
| Premises and equipment expense | $203,000 | 4,657 |
| Additional noninterest expense | $3,704,000 | 713 |
| Pre-tax net operating income | $-2,875,000 | 9,234 |
| Securities gains (losses) | $45,000 | 2,091 |
| Applicable income taxes | $-1,063,000 | 9,246 |
| Income before extraordinary items | $-1,767,000 | 9,244 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $-1,767,000 | 9,244 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $504,000 | 837 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $2,750,000 | 124 |
| Net operating income | $-1,795,800 | 9,212 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,550,000 | 4,322 |
| Total interest expense | $511,000 | 4,274 |
| Net interest income | $1,039,000 | 4,281 |
| Provision for loan and lease losses | $40,000 | 4,103 |
| Total noninterest income | $70,000 | 6,722 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $11,000 | 7,586 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 4,952 |
| Total noninterest expense | $950,000 | 3,824 |
| Salaries and employee benefits | $528,000 | 3,737 |
| Premises and equipment expense | $99,000 | 4,734 |
| Additional noninterest expense | $323,000 | 3,421 |
| Pre-tax net operating income | $119,000 | 6,916 |
| Securities gains (losses) | $9,000 | 2,215 |
| Applicable income taxes | $49,000 | 5,135 |
| Income before extraordinary items | $79,000 | 7,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $527,000 | 482 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $73,240 | 7,268 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $6,451,000 | 4,326 |
| Total interest expense | $2,592,000 | 3,984 |
| Net interest income | $3,859,000 | 4,464 |
| Provision for loan and lease losses | $358,000 | 3,089 |
| Total noninterest income | $170,000 | 7,611 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $44,000 | 7,615 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $126,000 | 5,962 |
| Total noninterest expense | $3,523,000 | 3,945 |
| Salaries and employee benefits | $1,981,000 | 3,765 |
| Premises and equipment expense | $399,000 | 4,662 |
| Additional noninterest expense | $1,143,000 | 3,756 |
| Pre-tax net operating income | $148,000 | 8,119 |
| Securities gains (losses) | $66,000 | 2,156 |
| Applicable income taxes | $84,000 | 6,124 |
| Income before extraordinary items | $130,000 | 8,193 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $130,000 | 8,194 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-500,000 | 9,339 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $87,760 | 8,302 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $7,146,000 | 4,362 |
| Total interest expense | $4,446,000 | 3,492 |
| Net interest income | $2,700,000 | 5,453 |
| Provision for loan and lease losses | $1,181,000 | 1,104 |
| Total noninterest income | $123,000 | 8,196 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $38,000 | 7,831 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $85,000 | 6,770 |
| Total noninterest expense | $3,120,000 | 4,207 |
| Salaries and employee benefits | $1,560,000 | 4,370 |
| Premises and equipment expense | $393,000 | 4,650 |
| Additional noninterest expense | $1,167,000 | 3,595 |
| Pre-tax net operating income | $-1,478,000 | 9,442 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-600,000 | 9,517 |
| Income before extraordinary items | $-878,000 | 9,387 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $-878,000 | 9,388 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,488,000 | 710 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $105,000 | 643 |
| Net operating income | $-878,000 | 9,353 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,560,000 | 3,914 |
| Total interest expense | $5,266,000 | 3,164 |
| Net interest income | $3,294,000 | 4,830 |
| Provision for loan and lease losses | $350,000 | 2,565 |
| Total noninterest income | $132,000 | 8,151 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $40,000 | 7,855 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $92,000 | 6,616 |
| Total noninterest expense | $2,934,000 | 4,309 |
| Salaries and employee benefits | $1,347,000 | 4,763 |
| Premises and equipment expense | $468,000 | 3,997 |
| Additional noninterest expense | $1,116,000 | 3,656 |
| Pre-tax net operating income | $145,000 | 8,616 |
| Securities gains (losses) | $127,000 | 513 |
| Applicable income taxes | $-212,000 | 9,701 |
| Income before extraordinary items | $484,000 | 6,406 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $484,000 | 6,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $382,000 | 1,533 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $357,000 | 7,113 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,543,000 | 3,681 |
| Total interest expense | $5,342,000 | 2,738 |
| Net interest income | $3,201,000 | 4,939 |
| Provision for loan and lease losses | $115,000 | 4,942 |
| Total noninterest income | $172,000 | 7,809 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $42,000 | 8,025 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $130,000 | 5,959 |
| Total noninterest expense | $3,410,000 | 3,778 |
| Salaries and employee benefits | $1,342,000 | 4,750 |
| Premises and equipment expense | $610,000 | 3,203 |
| Additional noninterest expense | $1,458,000 | 2,935 |
| Pre-tax net operating income | $-152,000 | 9,579 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $-152,000 | 9,629 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-152,000 | 9,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 6,573 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $3,425,000 | 338 |
| Net operating income | $-152,000 | 9,605 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,047,000 | 3,527 |
| Total interest expense | $6,002,000 | 2,516 |
| Net interest income | $3,045,000 | 5,084 |
| Provision for loan and lease losses | $40,000 | 6,927 |
| Total noninterest income | $2,188,000 | 1,705 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,213 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $2,145,000 | 1,101 |
| Total noninterest expense | $3,986,000 | 3,203 |
| Salaries and employee benefits | $1,907,000 | 3,487 |
| Premises and equipment expense | $614,000 | 3,096 |
| Additional noninterest expense | $1,465,000 | 2,839 |
| Pre-tax net operating income | $1,207,000 | 4,866 |
| Securities gains (losses) | $-412,000 | 10,436 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $795,000 | 5,205 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $795,000 | 5,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 8,132 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,207,000 | 3,821 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $8,429,000 | 3,787 |
| Total interest expense | $4,658,000 | 3,189 |
| Net interest income | $3,771,000 | 4,449 |
| Provision for loan and lease losses | $1,569,000 | 707 |
| Total noninterest income | $400,000 | 5,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $43,000 | 8,594 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $357,000 | 3,542 |
| Total noninterest expense | $3,421,000 | 3,680 |
| Salaries and employee benefits | $1,375,000 | 4,573 |
| Premises and equipment expense | $620,000 | 3,051 |
| Additional noninterest expense | $1,426,000 | 2,869 |
| Pre-tax net operating income | $-819,000 | 10,822 |
| Securities gains (losses) | $72,000 | 1,137 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-747,000 | 10,819 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-747,000 | 10,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,569,000 | 583 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-819,000 | 10,819 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,358,000 | 6,522 |
| Total interest expense | $2,258,000 | 5,921 |
| Net interest income | $2,100,000 | 6,958 |
| Provision for loan and lease losses | $-2,000 | 11,044 |
| Total noninterest income | $64,000 | 10,602 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $46,000 | 8,952 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $18,000 | 10,521 |
| Total noninterest expense | $2,094,000 | 5,744 |
| Salaries and employee benefits | $1,011,000 | 5,939 |
| Premises and equipment expense | $346,000 | 5,047 |
| Additional noninterest expense | $737,000 | 5,531 |
| Pre-tax net operating income | $68,000 | 10,518 |
| Securities gains (losses) | $73,000 | 1,113 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $141,000 | 9,879 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $141,000 | 9,877 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 11,024 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $68,000 | 10,427 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,762,000 | 8,543 |
| Total interest expense | $1,129,000 | 8,812 |
| Net interest income | $1,633,000 | 8,184 |
| Provision for loan and lease losses | $-8,000 | 11,400 |
| Total noninterest income | $125,000 | 9,756 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $50,000 | 9,237 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 8,156 |
| Total noninterest expense | $1,534,000 | 7,162 |
| Salaries and employee benefits | $769,000 | 7,275 |
| Premises and equipment expense | $280,000 | 5,928 |
| Additional noninterest expense | $485,000 | 7,389 |
| Pre-tax net operating income | $232,000 | 10,246 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $232,000 | 9,582 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $232,000 | 9,586 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,139 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $232,000 | 9,565 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,158,000 | 9,507 |
| Total interest expense | $787,000 | 9,666 |
| Net interest income | $1,371,000 | 9,242 |
| Provision for loan and lease losses | $-20,000 | 11,841 |
| Total noninterest income | $137,000 | 9,976 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $60,000 | 9,344 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,362 |
| Total noninterest expense | $1,465,000 | 7,712 |
| Salaries and employee benefits | $752,000 | 7,509 |
| Premises and equipment expense | $317,000 | 5,473 |
| Additional noninterest expense | $396,000 | 8,866 |
| Pre-tax net operating income | $63,000 | 11,839 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $0 | 11,630 |
| Income before extraordinary items | $63,000 | 11,706 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $63,000 | 11,714 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 10,614 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $63,000 | 11,752 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,997,000 | 10,188 |
| Total interest expense | $696,000 | 10,610 |
| Net interest income | $1,301,000 | 9,725 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $217,000 | 8,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $86,000 | 8,815 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 6,993 |
| Total noninterest expense | $1,711,000 | 7,159 |
| Salaries and employee benefits | $779,000 | 7,446 |
| Premises and equipment expense | $315,000 | 5,622 |
| Additional noninterest expense | $617,000 | 7,189 |
| Pre-tax net operating income | $-193,000 | 12,693 |
| Securities gains (losses) | $392,000 | 1,070 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $199,000 | 10,670 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $199,000 | 10,776 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $64,000 | 5,529 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-193,000 | 12,672 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,884,000 | 9,179 |
| Total interest expense | $1,368,000 | 8,971 |
| Net interest income | $1,516,000 | 9,222 |
| Provision for loan and lease losses | $359,000 | 3,724 |
| Total noninterest income | $165,000 | 10,157 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $65,000 | 9,734 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 8,063 |
| Total noninterest expense | $1,985,000 | 6,421 |
| Salaries and employee benefits | $883,000 | 6,713 |
| Premises and equipment expense | $290,000 | 6,114 |
| Additional noninterest expense | $812,000 | 5,995 |
| Pre-tax net operating income | $-663,000 | 13,379 |
| Securities gains (losses) | $135,000 | 2,548 |
| Applicable income taxes | $0 | 12,680 |
| Income before extraordinary items | $-528,000 | 13,390 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-528,000 | 13,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 6,645 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-663,000 | 13,356 |
* 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.