Home > F&M Bank-Iowa Central > Income and Expense
F&M Bank-Iowa Central, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,804,000 | 2,097 |
| Total interest expense | $1,459,000 | 1,612 |
| Net interest income | $2,345,000 | 2,407 |
| Provision for loan and lease losses | $245,000 | 2,726 |
| Total noninterest income | $918,000 | 1,317 |
| Gross Fiduciary activities income | $58,000 | 733 |
| Service charges on deposit accounts | $408,000 | 965 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $452,000 | 1,399 |
| Total noninterest expense | $2,161,000 | 2,255 |
| Salaries and employee benefits | $844,000 | 2,871 |
| Premises and equipment expense | $297,000 | 2,221 |
| Additional noninterest expense | $1,020,000 | 1,721 |
| Pre-tax net operating income | $857,000 | 1,523 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $857,000 | 1,274 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $857,000 | 1,277 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $857,000 | 1,276 |
| Net charge-offs | $441,000 | 1,678 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $857,000 | 1,243 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $16,225,000 | 2,092 |
| Total interest expense | $8,350,000 | 1,435 |
| Net interest income | $7,875,000 | 2,770 |
| Provision for loan and lease losses | $2,753,000 | 2,085 |
| Total noninterest income | $4,136,000 | 1,264 |
| Gross Fiduciary activities income | $298,000 | 669 |
| Service charges on deposit accounts | $1,812,000 | 958 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,026,000 | 1,357 |
| Total noninterest expense | $9,533,000 | 2,103 |
| Salaries and employee benefits | $3,782,000 | 2,570 |
| Premises and equipment expense | $1,359,000 | 1,974 |
| Additional noninterest expense | $4,392,000 | 1,689 |
| Pre-tax net operating income | $-275,000 | 5,782 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-720,000 | 7,164 |
| Income before extraordinary items | $445,000 | 4,032 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $445,000 | 4,031 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $445,000 | 4,031 |
| Net charge-offs | $1,154,000 | 2,702 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $445,000 | 3,948 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $12,215,000 | 2,117 |
| Total interest expense | $6,645,000 | 1,425 |
| Net interest income | $5,570,000 | 2,909 |
| Provision for loan and lease losses | $2,457,000 | 1,681 |
| Total noninterest income | $3,173,000 | 1,262 |
| Gross Fiduciary activities income | $222,000 | 669 |
| Service charges on deposit accounts | $1,338,000 | 971 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,613,000 | 1,325 |
| Total noninterest expense | $7,381,000 | 2,042 |
| Salaries and employee benefits | $2,933,000 | 2,521 |
| Premises and equipment expense | $1,024,000 | 1,981 |
| Additional noninterest expense | $3,424,000 | 1,580 |
| Pre-tax net operating income | $-1,095,000 | 6,703 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-1,186,000 | 7,607 |
| Income before extraordinary items | $91,000 | 5,353 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $91,000 | 5,352 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $91,000 | 5,352 |
| Net charge-offs | $909,000 | 2,303 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $91,000 | 5,293 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $8,091,000 | 2,169 |
| Total interest expense | $4,643,000 | 1,428 |
| Net interest income | $3,448,000 | 3,087 |
| Provision for loan and lease losses | $1,671,000 | 1,569 |
| Total noninterest income | $2,038,000 | 1,312 |
| Gross Fiduciary activities income | $163,000 | 647 |
| Service charges on deposit accounts | $850,000 | 996 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,025,000 | 1,413 |
| Total noninterest expense | $4,750,000 | 2,127 |
| Salaries and employee benefits | $1,873,000 | 2,659 |
| Premises and equipment expense | $687,000 | 2,001 |
| Additional noninterest expense | $2,190,000 | 1,660 |
| Pre-tax net operating income | $-935,000 | 6,984 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-625,000 | 7,636 |
| Income before extraordinary items | $-310,000 | 6,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-310,000 | 6,552 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-310,000 | 6,552 |
| Net charge-offs | $790,000 | 1,855 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-310,000 | 6,542 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,075,000 | 2,179 |
| Total interest expense | $2,391,000 | 1,450 |
| Net interest income | $1,684,000 | 3,140 |
| Provision for loan and lease losses | $619,000 | 1,567 |
| Total noninterest income | $1,005,000 | 1,283 |
| Gross Fiduciary activities income | $101,000 | 596 |
| Service charges on deposit accounts | $412,000 | 1,002 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $492,000 | 1,409 |
| Total noninterest expense | $2,256,000 | 2,180 |
| Salaries and employee benefits | $882,000 | 2,860 |
| Premises and equipment expense | $394,000 | 1,798 |
| Additional noninterest expense | $980,000 | 1,650 |
| Pre-tax net operating income | $-186,000 | 6,863 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-214,000 | 7,730 |
| Income before extraordinary items | $28,000 | 6,032 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $28,000 | 6,034 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $28,000 | 6,034 |
| Net charge-offs | $107,000 | 2,796 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $28,000 | 5,868 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $18,655,000 | 2,042 |
| Total interest expense | $10,119,000 | 1,610 |
| Net interest income | $8,536,000 | 2,541 |
| Provision for loan and lease losses | $1,250,000 | 2,400 |
| Total noninterest income | $5,190,000 | 1,026 |
| Gross Fiduciary activities income | $270,000 | 717 |
| Service charges on deposit accounts | $1,848,000 | 970 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,072,000 | 942 |
| Total noninterest expense | $10,354,000 | 1,865 |
| Salaries and employee benefits | $4,905,000 | 2,073 |
| Premises and equipment expense | $1,488,000 | 1,838 |
| Additional noninterest expense | $3,961,000 | 1,559 |
| Pre-tax net operating income | $2,122,000 | 2,339 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $629,000 | 1,617 |
| Income before extraordinary items | $1,493,000 | 2,526 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,493,000 | 2,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $518,000 | 2,755 |
| Cash dividends | $500,000 | 3,349 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,493,000 | 2,672 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $14,192,000 | 2,061 |
| Total interest expense | $7,584,000 | 1,661 |
| Net interest income | $6,608,000 | 2,497 |
| Provision for loan and lease losses | $797,000 | 2,104 |
| Total noninterest income | $3,275,000 | 1,229 |
| Gross Fiduciary activities income | $210,000 | 708 |
| Service charges on deposit accounts | $1,345,000 | 1,007 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,720,000 | 1,239 |
| Total noninterest expense | $7,478,000 | 1,922 |
| Salaries and employee benefits | $3,494,000 | 2,210 |
| Premises and equipment expense | $1,117,000 | 1,831 |
| Additional noninterest expense | $2,867,000 | 1,560 |
| Pre-tax net operating income | $1,608,000 | 2,698 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $193,000 | 2,951 |
| Income before extraordinary items | $1,415,000 | 2,439 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,415,000 | 2,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 4,131 |
| Cash dividends | $500,000 | 2,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,415,000 | 2,547 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $9,717,000 | 2,036 |
| Total interest expense | $5,347,000 | 1,641 |
| Net interest income | $4,370,000 | 2,508 |
| Provision for loan and lease losses | $1,011,000 | 1,212 |
| Total noninterest income | $2,083,000 | 1,286 |
| Gross Fiduciary activities income | $151,000 | 698 |
| Service charges on deposit accounts | $869,000 | 1,017 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,063,000 | 1,332 |
| Total noninterest expense | $4,840,000 | 1,980 |
| Salaries and employee benefits | $2,240,000 | 2,317 |
| Premises and equipment expense | $760,000 | 1,801 |
| Additional noninterest expense | $1,840,000 | 1,599 |
| Pre-tax net operating income | $602,000 | 4,014 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $-52,000 | 7,764 |
| Income before extraordinary items | $654,000 | 3,454 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $654,000 | 3,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,037 |
| Cash dividends | $500,000 | 2,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $654,000 | 3,403 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,111,000 | 1,991 |
| Total interest expense | $2,923,000 | 1,602 |
| Net interest income | $2,188,000 | 2,498 |
| Provision for loan and lease losses | $727,000 | 777 |
| Total noninterest income | $1,033,000 | 1,303 |
| Gross Fiduciary activities income | $78,000 | 704 |
| Service charges on deposit accounts | $425,000 | 1,020 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $530,000 | 1,355 |
| Total noninterest expense | $2,473,000 | 1,933 |
| Salaries and employee benefits | $1,162,000 | 2,261 |
| Premises and equipment expense | $402,000 | 1,716 |
| Additional noninterest expense | $909,000 | 1,586 |
| Pre-tax net operating income | $21,000 | 6,959 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $-96,000 | 8,132 |
| Income before extraordinary items | $117,000 | 5,612 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $117,000 | 5,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 2,134 |
| Cash dividends | $500,000 | 1,332 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $117,000 | 5,512 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,259,000 | 1,903 |
| Total interest expense | $12,052,000 | 1,658 |
| Net interest income | $10,207,000 | 2,208 |
| Provision for loan and lease losses | $-359,000 | 8,470 |
| Total noninterest income | $4,323,000 | 1,228 |
| Gross Fiduciary activities income | $278,000 | 723 |
| Service charges on deposit accounts | $1,872,000 | 950 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,173,000 | 1,301 |
| Total noninterest expense | $10,884,000 | 1,700 |
| Salaries and employee benefits | $4,355,000 | 2,312 |
| Premises and equipment expense | $1,578,000 | 1,677 |
| Additional noninterest expense | $4,951,000 | 1,143 |
| Pre-tax net operating income | $4,005,000 | 1,984 |
| Securities gains (losses) | $26,000 | 1,015 |
| Applicable income taxes | $972,000 | 1,898 |
| Income before extraordinary items | $3,059,000 | 2,011 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,059,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $224,000 | 2,692 |
| Cash dividends | $2,500,000 | 1,368 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,039,240 | 2,010 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,834,000 | 1,887 |
| Total interest expense | $9,022,000 | 1,657 |
| Net interest income | $7,812,000 | 2,182 |
| Provision for loan and lease losses | $-199,000 | 8,471 |
| Total noninterest income | $3,243,000 | 1,215 |
| Gross Fiduciary activities income | $211,000 | 719 |
| Service charges on deposit accounts | $1,379,000 | 953 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,653,000 | 1,296 |
| Total noninterest expense | $8,265,000 | 1,661 |
| Salaries and employee benefits | $3,295,000 | 2,281 |
| Premises and equipment expense | $1,177,000 | 1,675 |
| Additional noninterest expense | $3,793,000 | 1,085 |
| Pre-tax net operating income | $2,989,000 | 2,113 |
| Securities gains (losses) | $26,000 | 768 |
| Applicable income taxes | $721,000 | 2,044 |
| Income before extraordinary items | $2,294,000 | 2,125 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,294,000 | 2,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,255 |
| Cash dividends | $1,500,000 | 1,491 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,274,240 | 2,130 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $11,279,000 | 1,897 |
| Total interest expense | $6,013,000 | 1,664 |
| Net interest income | $5,266,000 | 2,192 |
| Provision for loan and lease losses | $-88,000 | 8,463 |
| Total noninterest income | $2,178,000 | 1,246 |
| Gross Fiduciary activities income | $147,000 | 716 |
| Service charges on deposit accounts | $903,000 | 984 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,128,000 | 1,293 |
| Total noninterest expense | $5,519,000 | 1,673 |
| Salaries and employee benefits | $2,167,000 | 2,354 |
| Premises and equipment expense | $796,000 | 1,670 |
| Additional noninterest expense | $2,556,000 | 1,089 |
| Pre-tax net operating income | $2,013,000 | 2,150 |
| Securities gains (losses) | $18,000 | 734 |
| Applicable income taxes | $488,000 | 2,103 |
| Income before extraordinary items | $1,543,000 | 2,166 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,543,000 | 2,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $151,000 | 1,609 |
| Cash dividends | $1,000,000 | 1,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,529,320 | 2,160 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,595,000 | 1,909 |
| Total interest expense | $2,925,000 | 1,698 |
| Net interest income | $2,670,000 | 2,168 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $1,027,000 | 1,287 |
| Gross Fiduciary activities income | $67,000 | 753 |
| Service charges on deposit accounts | $395,000 | 1,090 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $565,000 | 1,248 |
| Total noninterest expense | $2,732,000 | 1,699 |
| Salaries and employee benefits | $1,126,000 | 2,283 |
| Premises and equipment expense | $374,000 | 1,778 |
| Additional noninterest expense | $1,232,000 | 1,101 |
| Pre-tax net operating income | $959,000 | 2,247 |
| Securities gains (losses) | $18,000 | 586 |
| Applicable income taxes | $230,000 | 2,201 |
| Income before extraordinary items | $747,000 | 2,191 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $747,000 | 2,191 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 1,116 |
| Cash dividends | $500,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $733,320 | 2,206 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $22,773,000 | 1,770 |
| Total interest expense | $11,363,000 | 1,478 |
| Net interest income | $11,410,000 | 2,038 |
| Provision for loan and lease losses | $-2,024,000 | 8,651 |
| Total noninterest income | $4,237,000 | 1,247 |
| Gross Fiduciary activities income | $276,000 | 734 |
| Service charges on deposit accounts | $1,752,000 | 1,011 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,209,000 | 1,269 |
| Total noninterest expense | $11,649,000 | 1,536 |
| Salaries and employee benefits | $4,557,000 | 2,139 |
| Premises and equipment expense | $1,668,000 | 1,543 |
| Additional noninterest expense | $5,424,000 | 983 |
| Pre-tax net operating income | $6,022,000 | 1,596 |
| Securities gains (losses) | $-370,000 | 8,482 |
| Applicable income taxes | $1,606,000 | 1,560 |
| Income before extraordinary items | $4,046,000 | 1,772 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $4,046,000 | 1,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 2,314 |
| Cash dividends | $3,900,000 | 890 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $4,312,400 | 1,659 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,046,000 | 1,764 |
| Total interest expense | $8,321,000 | 1,471 |
| Net interest income | $8,725,000 | 2,011 |
| Provision for loan and lease losses | $-1,680,000 | 8,712 |
| Total noninterest income | $3,174,000 | 1,260 |
| Gross Fiduciary activities income | $213,000 | 723 |
| Service charges on deposit accounts | $1,314,000 | 1,013 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,647,000 | 1,282 |
| Total noninterest expense | $8,661,000 | 1,553 |
| Salaries and employee benefits | $3,309,000 | 2,220 |
| Premises and equipment expense | $1,214,000 | 1,600 |
| Additional noninterest expense | $4,138,000 | 962 |
| Pre-tax net operating income | $4,918,000 | 1,525 |
| Securities gains (losses) | $7,000 | 967 |
| Applicable income taxes | $1,466,000 | 1,413 |
| Income before extraordinary items | $3,459,000 | 1,599 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $3,459,000 | 1,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $60,000 | 2,970 |
| Cash dividends | $1,900,000 | 1,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $3,454,100 | 1,582 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,455,000 | 1,709 |
| Total interest expense | $5,447,000 | 1,414 |
| Net interest income | $6,008,000 | 1,942 |
| Provision for loan and lease losses | $-1,570,000 | 8,751 |
| Total noninterest income | $2,137,000 | 1,252 |
| Gross Fiduciary activities income | $148,000 | 717 |
| Service charges on deposit accounts | $866,000 | 1,016 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,123,000 | 1,255 |
| Total noninterest expense | $5,842,000 | 1,537 |
| Salaries and employee benefits | $2,180,000 | 2,252 |
| Premises and equipment expense | $826,000 | 1,569 |
| Additional noninterest expense | $2,836,000 | 945 |
| Pre-tax net operating income | $3,873,000 | 1,302 |
| Securities gains (losses) | $7,000 | 794 |
| Applicable income taxes | $1,217,000 | 1,186 |
| Income before extraordinary items | $2,663,000 | 1,405 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,663,000 | 1,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,253 |
| Cash dividends | $1,200,000 | 1,237 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $2,658,170 | 1,403 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,468,000 | 1,746 |
| Total interest expense | $2,446,000 | 1,505 |
| Net interest income | $3,022,000 | 1,916 |
| Provision for loan and lease losses | $-1,296,000 | 8,768 |
| Total noninterest income | $1,085,000 | 1,205 |
| Gross Fiduciary activities income | $79,000 | 702 |
| Service charges on deposit accounts | $407,000 | 1,049 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $599,000 | 1,172 |
| Total noninterest expense | $2,962,000 | 1,521 |
| Salaries and employee benefits | $1,075,000 | 2,292 |
| Premises and equipment expense | $435,000 | 1,492 |
| Additional noninterest expense | $1,452,000 | 917 |
| Pre-tax net operating income | $2,441,000 | 1,026 |
| Securities gains (losses) | $7,000 | 642 |
| Applicable income taxes | $802,000 | 931 |
| Income before extraordinary items | $1,646,000 | 1,129 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,646,000 | 1,128 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 2,212 |
| Cash dividends | $500,000 | 1,312 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $1,641,310 | 1,114 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $19,779,000 | 1,702 |
| Total interest expense | $7,190,000 | 1,577 |
| Net interest income | $12,589,000 | 1,738 |
| Provision for loan and lease losses | $105,000 | 4,737 |
| Total noninterest income | $4,614,000 | 1,149 |
| Gross Fiduciary activities income | $360,000 | 653 |
| Service charges on deposit accounts | $1,701,000 | 1,041 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,553,000 | 1,142 |
| Total noninterest expense | $12,131,000 | 1,414 |
| Salaries and employee benefits | $4,795,000 | 1,930 |
| Premises and equipment expense | $1,807,000 | 1,362 |
| Additional noninterest expense | $5,529,000 | 937 |
| Pre-tax net operating income | $4,967,000 | 1,883 |
| Securities gains (losses) | $-876,000 | 8,745 |
| Applicable income taxes | $974,000 | 2,301 |
| Income before extraordinary items | $3,117,000 | 2,174 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,117,000 | 2,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $326,000 | 1,617 |
| Cash dividends | $2,200,000 | 1,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,782,760 | 1,795 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,636,000 | 1,685 |
| Total interest expense | $5,133,000 | 1,569 |
| Net interest income | $9,503,000 | 1,713 |
| Provision for loan and lease losses | $105,000 | 4,091 |
| Total noninterest income | $3,450,000 | 1,157 |
| Gross Fiduciary activities income | $257,000 | 661 |
| Service charges on deposit accounts | $1,268,000 | 1,042 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,925,000 | 1,158 |
| Total noninterest expense | $9,222,000 | 1,379 |
| Salaries and employee benefits | $3,659,000 | 1,883 |
| Premises and equipment expense | $1,338,000 | 1,365 |
| Additional noninterest expense | $4,225,000 | 902 |
| Pre-tax net operating income | $3,626,000 | 1,928 |
| Securities gains (losses) | $-63,000 | 8,543 |
| Applicable income taxes | $935,000 | 1,973 |
| Income before extraordinary items | $2,628,000 | 1,979 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,628,000 | 1,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $283,000 | 1,305 |
| Cash dividends | $1,200,000 | 1,558 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,674,620 | 1,922 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,768,000 | 1,643 |
| Total interest expense | $3,388,000 | 1,485 |
| Net interest income | $6,380,000 | 1,686 |
| Provision for loan and lease losses | $105,000 | 3,281 |
| Total noninterest income | $2,261,000 | 1,156 |
| Gross Fiduciary activities income | $173,000 | 667 |
| Service charges on deposit accounts | $811,000 | 1,065 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,277,000 | 1,129 |
| Total noninterest expense | $6,341,000 | 1,341 |
| Salaries and employee benefits | $2,445,000 | 1,862 |
| Premises and equipment expense | $1,131,000 | 1,044 |
| Additional noninterest expense | $2,765,000 | 909 |
| Pre-tax net operating income | $2,195,000 | 2,042 |
| Securities gains (losses) | $-20,000 | 8,361 |
| Applicable income taxes | $537,000 | 2,162 |
| Income before extraordinary items | $1,638,000 | 2,064 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,638,000 | 2,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $259,000 | 1,005 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,653,000 | 2,007 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,872,000 | 1,605 |
| Total interest expense | $1,712,000 | 1,403 |
| Net interest income | $3,160,000 | 1,693 |
| Provision for loan and lease losses | $61,000 | 2,818 |
| Total noninterest income | $1,123,000 | 1,142 |
| Gross Fiduciary activities income | $96,000 | 651 |
| Service charges on deposit accounts | $397,000 | 1,047 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $630,000 | 1,133 |
| Total noninterest expense | $2,998,000 | 1,410 |
| Salaries and employee benefits | $1,228,000 | 1,871 |
| Premises and equipment expense | $375,000 | 1,623 |
| Additional noninterest expense | $1,395,000 | 899 |
| Pre-tax net operating income | $1,224,000 | 1,846 |
| Securities gains (losses) | $-11,000 | 8,547 |
| Applicable income taxes | $313,000 | 1,918 |
| Income before extraordinary items | $900,000 | 1,881 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $900,000 | 1,882 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 1,325 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $908,140 | 1,822 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $19,830,000 | 1,449 |
| Total interest expense | $6,169,000 | 1,337 |
| Net interest income | $13,661,000 | 1,477 |
| Provision for loan and lease losses | $1,030,000 | 1,011 |
| Total noninterest income | $5,163,000 | 1,054 |
| Gross Fiduciary activities income | $572,000 | 520 |
| Service charges on deposit accounts | $1,641,000 | 1,091 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,950,000 | 997 |
| Total noninterest expense | $13,237,000 | 1,241 |
| Salaries and employee benefits | $5,249,000 | 1,679 |
| Premises and equipment expense | $1,672,000 | 1,379 |
| Additional noninterest expense | $6,316,000 | 799 |
| Pre-tax net operating income | $4,557,000 | 1,839 |
| Securities gains (losses) | $-35,000 | 8,520 |
| Applicable income taxes | $1,150,000 | 1,958 |
| Income before extraordinary items | $3,372,000 | 1,872 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,372,000 | 1,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,281,000 | 651 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,398,250 | 1,816 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $15,012,000 | 1,416 |
| Total interest expense | $4,611,000 | 1,302 |
| Net interest income | $10,401,000 | 1,445 |
| Provision for loan and lease losses | $862,000 | 898 |
| Total noninterest income | $3,871,000 | 1,061 |
| Gross Fiduciary activities income | $436,000 | 519 |
| Service charges on deposit accounts | $1,218,000 | 1,104 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,217,000 | 999 |
| Total noninterest expense | $9,983,000 | 1,222 |
| Salaries and employee benefits | $3,923,000 | 1,686 |
| Premises and equipment expense | $1,268,000 | 1,370 |
| Additional noninterest expense | $4,792,000 | 785 |
| Pre-tax net operating income | $3,427,000 | 1,838 |
| Securities gains (losses) | $-32,000 | 8,740 |
| Applicable income taxes | $871,000 | 1,984 |
| Income before extraordinary items | $2,524,000 | 1,888 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,524,000 | 1,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,281,000 | 478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,547,680 | 1,824 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $10,073,000 | 1,378 |
| Total interest expense | $3,095,000 | 1,275 |
| Net interest income | $6,978,000 | 1,417 |
| Provision for loan and lease losses | $702,000 | 726 |
| Total noninterest income | $2,571,000 | 1,064 |
| Gross Fiduciary activities income | $294,000 | 519 |
| Service charges on deposit accounts | $787,000 | 1,129 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,490,000 | 999 |
| Total noninterest expense | $6,512,000 | 1,246 |
| Salaries and employee benefits | $2,547,000 | 1,725 |
| Premises and equipment expense | $866,000 | 1,330 |
| Additional noninterest expense | $3,099,000 | 798 |
| Pre-tax net operating income | $2,335,000 | 1,798 |
| Securities gains (losses) | $-23,000 | 8,817 |
| Applicable income taxes | $571,000 | 2,013 |
| Income before extraordinary items | $1,741,000 | 1,813 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,741,000 | 1,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,056,000 | 411 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,758,250 | 1,747 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,139,000 | 1,358 |
| Total interest expense | $1,575,000 | 1,265 |
| Net interest income | $3,564,000 | 1,390 |
| Provision for loan and lease losses | $550,000 | 479 |
| Total noninterest income | $1,056,000 | 1,207 |
| Gross Fiduciary activities income | $143,000 | 535 |
| Service charges on deposit accounts | $367,000 | 1,160 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $546,000 | 1,212 |
| Total noninterest expense | $3,220,000 | 1,267 |
| Salaries and employee benefits | $1,246,000 | 1,772 |
| Premises and equipment expense | $462,000 | 1,257 |
| Additional noninterest expense | $1,512,000 | 811 |
| Pre-tax net operating income | $850,000 | 2,312 |
| Securities gains (losses) | $-14,000 | 8,945 |
| Applicable income taxes | $161,000 | 2,965 |
| Income before extraordinary items | $675,000 | 2,247 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $675,000 | 2,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $412,000 | 484 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $686,340 | 2,138 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $22,529,000 | 1,267 |
| Total interest expense | $7,823,000 | 1,144 |
| Net interest income | $14,706,000 | 1,335 |
| Provision for loan and lease losses | $3,475,000 | 425 |
| Total noninterest income | $5,288,000 | 1,079 |
| Gross Fiduciary activities income | $680,000 | 469 |
| Service charges on deposit accounts | $1,388,000 | 1,252 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,220,000 | 1,030 |
| Total noninterest expense | $14,037,000 | 1,153 |
| Salaries and employee benefits | $5,462,000 | 1,580 |
| Premises and equipment expense | $1,840,000 | 1,225 |
| Additional noninterest expense | $6,735,000 | 766 |
| Pre-tax net operating income | $2,482,000 | 2,908 |
| Securities gains (losses) | $-192,000 | 9,071 |
| Applicable income taxes | $279,000 | 4,392 |
| Income before extraordinary items | $2,011,000 | 2,853 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,011,000 | 2,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,766,000 | 431 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,179,960 | 2,551 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,178,000 | 1,272 |
| Total interest expense | $6,129,000 | 1,147 |
| Net interest income | $11,049,000 | 1,329 |
| Provision for loan and lease losses | $2,205,000 | 494 |
| Total noninterest income | $4,060,000 | 1,094 |
| Gross Fiduciary activities income | $510,000 | 470 |
| Service charges on deposit accounts | $1,036,000 | 1,263 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,514,000 | 1,049 |
| Total noninterest expense | $10,712,000 | 1,145 |
| Salaries and employee benefits | $4,290,000 | 1,508 |
| Premises and equipment expense | $1,343,000 | 1,272 |
| Additional noninterest expense | $5,079,000 | 767 |
| Pre-tax net operating income | $2,192,000 | 2,653 |
| Securities gains (losses) | $-169,000 | 9,146 |
| Applicable income taxes | $334,000 | 3,736 |
| Income before extraordinary items | $1,689,000 | 2,699 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,689,000 | 2,698 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,041,000 | 678 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,829,270 | 2,391 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $12,048,000 | 1,226 |
| Total interest expense | $4,302,000 | 1,115 |
| Net interest income | $7,746,000 | 1,265 |
| Provision for loan and lease losses | $1,605,000 | 458 |
| Total noninterest income | $2,576,000 | 1,125 |
| Gross Fiduciary activities income | $341,000 | 477 |
| Service charges on deposit accounts | $667,000 | 1,290 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,568,000 | 1,097 |
| Total noninterest expense | $7,381,000 | 1,105 |
| Salaries and employee benefits | $2,924,000 | 1,475 |
| Premises and equipment expense | $910,000 | 1,252 |
| Additional noninterest expense | $3,547,000 | 735 |
| Pre-tax net operating income | $1,336,000 | 2,845 |
| Securities gains (losses) | $-148,000 | 9,214 |
| Applicable income taxes | $171,000 | 4,268 |
| Income before extraordinary items | $1,017,000 | 2,937 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,017,000 | 2,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $817,000 | 591 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,144,280 | 2,532 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,353,000 | 1,157 |
| Total interest expense | $2,224,000 | 1,104 |
| Net interest income | $4,129,000 | 1,187 |
| Provision for loan and lease losses | $205,000 | 1,334 |
| Total noninterest income | $1,415,000 | 1,016 |
| Gross Fiduciary activities income | $149,000 | 525 |
| Service charges on deposit accounts | $325,000 | 1,300 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $941,000 | 929 |
| Total noninterest expense | $3,990,000 | 1,015 |
| Salaries and employee benefits | $1,651,000 | 1,317 |
| Premises and equipment expense | $459,000 | 1,248 |
| Additional noninterest expense | $1,880,000 | 690 |
| Pre-tax net operating income | $1,349,000 | 1,559 |
| Securities gains (losses) | $-65,000 | 9,239 |
| Applicable income taxes | $338,000 | 1,876 |
| Income before extraordinary items | $946,000 | 1,694 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $946,000 | 1,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 440 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $994,100 | 1,515 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $27,777,000 | 1,111 |
| Total interest expense | $11,228,000 | 996 |
| Net interest income | $16,549,000 | 1,174 |
| Provision for loan and lease losses | $1,353,000 | 1,022 |
| Total noninterest income | $4,381,000 | 1,173 |
| Gross Fiduciary activities income | $730,000 | 462 |
| Service charges on deposit accounts | $1,340,000 | 1,208 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,311,000 | 1,185 |
| Total noninterest expense | $15,337,000 | 1,013 |
| Salaries and employee benefits | $5,979,000 | 1,364 |
| Premises and equipment expense | $1,840,000 | 1,202 |
| Additional noninterest expense | $7,518,000 | 698 |
| Pre-tax net operating income | $4,240,000 | 1,892 |
| Securities gains (losses) | $-126,000 | 9,154 |
| Applicable income taxes | $990,000 | 2,225 |
| Income before extraordinary items | $3,124,000 | 1,920 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,124,000 | 1,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,023,000 | 560 |
| Cash dividends | $16,000,000 | 259 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,219,760 | 1,790 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $37,501,000 | 912 |
| Total interest expense | $20,415,000 | 803 |
| Net interest income | $17,086,000 | 1,051 |
| Provision for loan and lease losses | $2,157,000 | 664 |
| Total noninterest income | $4,911,000 | 1,012 |
| Gross Fiduciary activities income | $736,000 | 483 |
| Service charges on deposit accounts | $1,616,000 | 912 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,559,000 | 1,054 |
| Total noninterest expense | $15,898,000 | 932 |
| Salaries and employee benefits | $6,060,000 | 1,229 |
| Premises and equipment expense | $1,983,000 | 1,072 |
| Additional noninterest expense | $7,855,000 | 680 |
| Pre-tax net operating income | $3,942,000 | 1,796 |
| Securities gains (losses) | $69,000 | 2,061 |
| Applicable income taxes | $918,000 | 2,211 |
| Income before extraordinary items | $3,093,000 | 1,699 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,093,000 | 1,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,262,000 | 524 |
| Cash dividends | $5,500,000 | 564 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,039,870 | 1,656 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $44,273,000 | 800 |
| Total interest expense | $26,408,000 | 694 |
| Net interest income | $17,865,000 | 970 |
| Provision for loan and lease losses | $159,000 | 4,289 |
| Total noninterest income | $4,401,000 | 1,015 |
| Gross Fiduciary activities income | $787,000 | 475 |
| Service charges on deposit accounts | $1,739,000 | 782 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,875,000 | 1,194 |
| Total noninterest expense | $13,960,000 | 1,009 |
| Salaries and employee benefits | $6,154,000 | 1,150 |
| Premises and equipment expense | $1,622,000 | 1,256 |
| Additional noninterest expense | $6,184,000 | 805 |
| Pre-tax net operating income | $8,147,000 | 950 |
| Securities gains (losses) | $-5,000 | 7,961 |
| Applicable income taxes | $2,550,000 | 950 |
| Income before extraordinary items | $5,592,000 | 953 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $5,592,000 | 953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $857,000 | 840 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $5,595,450 | 951 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $41,070,000 | 829 |
| Total interest expense | $21,725,000 | 741 |
| Net interest income | $19,345,000 | 906 |
| Provision for loan and lease losses | $999,000 | 987 |
| Total noninterest income | $4,556,000 | 1,002 |
| Gross Fiduciary activities income | $772,000 | 522 |
| Service charges on deposit accounts | $1,572,000 | 843 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $2,212,000 | 1,071 |
| Total noninterest expense | $17,012,000 | 853 |
| Salaries and employee benefits | $7,481,000 | 919 |
| Premises and equipment expense | $1,650,000 | 1,225 |
| Additional noninterest expense | $7,881,000 | 709 |
| Pre-tax net operating income | $5,890,000 | 1,299 |
| Securities gains (losses) | $-72,000 | 9,889 |
| Applicable income taxes | $1,522,000 | 1,580 |
| Income before extraordinary items | $4,296,000 | 1,263 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,296,000 | 1,263 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $927,000 | 747 |
| Cash dividends | $7,009,000 | 520 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $4,349,280 | 1,234 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $24,773,000 | 1,306 |
| Total interest expense | $12,906,000 | 1,205 |
| Net interest income | $11,867,000 | 1,414 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $3,872,000 | 1,116 |
| Gross Fiduciary activities income | $594,000 | 583 |
| Service charges on deposit accounts | $931,000 | 1,348 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $2,347,000 | 1,054 |
| Total noninterest expense | $8,879,000 | 1,493 |
| Salaries and employee benefits | $5,214,000 | 1,259 |
| Premises and equipment expense | $907,000 | 2,136 |
| Additional noninterest expense | $2,758,000 | 1,560 |
| Pre-tax net operating income | $6,860,000 | 1,101 |
| Securities gains (losses) | $103,000 | 1,252 |
| Applicable income taxes | $1,957,000 | 1,295 |
| Income before extraordinary items | $5,006,000 | 1,079 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,006,000 | 1,079 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,326 |
| Cash dividends | $9,959,000 | 387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $4,931,840 | 1,048 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $25,069,000 | 1,325 |
| Total interest expense | $13,238,000 | 1,211 |
| Net interest income | $11,831,000 | 1,466 |
| Provision for loan and lease losses | $1,553,000 | 712 |
| Total noninterest income | $3,617,000 | 1,152 |
| Gross Fiduciary activities income | $538,000 | 627 |
| Service charges on deposit accounts | $978,000 | 1,322 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $2,101,000 | 1,061 |
| Total noninterest expense | $9,171,000 | 1,427 |
| Salaries and employee benefits | $5,195,000 | 1,266 |
| Premises and equipment expense | $1,123,000 | 1,757 |
| Additional noninterest expense | $2,853,000 | 1,505 |
| Pre-tax net operating income | $4,724,000 | 1,637 |
| Securities gains (losses) | $18,000 | 1,964 |
| Applicable income taxes | $1,164,000 | 2,143 |
| Income before extraordinary items | $3,578,000 | 1,506 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,578,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $707,000 | 1,021 |
| Cash dividends | $1,273,000 | 1,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,564,500 | 1,471 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $25,151,000 | 1,356 |
| Total interest expense | $13,123,000 | 1,245 |
| Net interest income | $12,028,000 | 1,483 |
| Provision for loan and lease losses | $457,000 | 1,864 |
| Total noninterest income | $3,065,000 | 1,330 |
| Gross Fiduciary activities income | $511,000 | 698 |
| Service charges on deposit accounts | $993,000 | 1,351 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,561,000 | 1,359 |
| Total noninterest expense | $7,924,000 | 1,792 |
| Salaries and employee benefits | $4,672,000 | 1,436 |
| Premises and equipment expense | $1,062,000 | 1,897 |
| Additional noninterest expense | $2,190,000 | 2,260 |
| Pre-tax net operating income | $6,712,000 | 1,105 |
| Securities gains (losses) | $14,000 | 2,256 |
| Applicable income taxes | $1,985,000 | 1,237 |
| Income before extraordinary items | $4,741,000 | 1,090 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,741,000 | 1,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $559,000 | 1,313 |
| Cash dividends | $1,096,000 | 2,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,731,200 | 1,074 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $24,195,000 | 1,420 |
| Total interest expense | $12,782,000 | 1,300 |
| Net interest income | $11,413,000 | 1,567 |
| Provision for loan and lease losses | $646,000 | 1,278 |
| Total noninterest income | $2,957,000 | 1,374 |
| Gross Fiduciary activities income | $464,000 | 762 |
| Service charges on deposit accounts | $956,000 | 1,433 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,537,000 | 1,363 |
| Total noninterest expense | $7,408,000 | 1,884 |
| Salaries and employee benefits | $4,211,000 | 1,582 |
| Premises and equipment expense | $887,000 | 2,260 |
| Additional noninterest expense | $2,310,000 | 2,135 |
| Pre-tax net operating income | $6,316,000 | 1,209 |
| Securities gains (losses) | $40,000 | 1,447 |
| Applicable income taxes | $1,809,000 | 1,391 |
| Income before extraordinary items | $4,547,000 | 1,160 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,547,000 | 1,158 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,854 |
| Cash dividends | $1,023,000 | 1,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,518,200 | 1,150 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $20,475,000 | 1,516 |
| Total interest expense | $9,498,000 | 1,373 |
| Net interest income | $10,977,000 | 1,644 |
| Provision for loan and lease losses | $571,000 | 1,399 |
| Total noninterest income | $2,994,000 | 1,368 |
| Gross Fiduciary activities income | $500,000 | 735 |
| Service charges on deposit accounts | $926,000 | 1,461 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,568,000 | 1,337 |
| Total noninterest expense | $7,169,000 | 1,992 |
| Salaries and employee benefits | $3,885,000 | 1,724 |
| Premises and equipment expense | $818,000 | 2,484 |
| Additional noninterest expense | $2,466,000 | 2,160 |
| Pre-tax net operating income | $6,231,000 | 1,204 |
| Securities gains (losses) | $-308,000 | 12,120 |
| Applicable income taxes | $1,700,000 | 1,382 |
| Income before extraordinary items | $4,223,000 | 1,200 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $4,223,000 | 1,200 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $281,000 | 2,004 |
| Cash dividends | $1,978,000 | 1,136 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $4,441,680 | 1,153 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $19,047,000 | 1,646 |
| Total interest expense | $8,790,000 | 1,521 |
| Net interest income | $10,257,000 | 1,762 |
| Provision for loan and lease losses | $402,000 | 2,451 |
| Total noninterest income | $2,642,000 | 1,611 |
| Gross Fiduciary activities income | $423,000 | 825 |
| Service charges on deposit accounts | $896,000 | 1,518 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,323,000 | 1,698 |
| Total noninterest expense | $6,822,000 | 2,140 |
| Salaries and employee benefits | $3,629,000 | 1,847 |
| Premises and equipment expense | $765,000 | 2,668 |
| Additional noninterest expense | $2,428,000 | 2,300 |
| Pre-tax net operating income | $5,675,000 | 1,224 |
| Securities gains (losses) | $-23,000 | 12,945 |
| Applicable income taxes | $1,462,000 | 1,601 |
| Income before extraordinary items | $4,190,000 | 1,222 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $4,190,000 | 1,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 4,185 |
| Cash dividends | $2,490,000 | 846 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $4,207,020 | 1,126 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $21,013,000 | 1,685 |
| Total interest expense | $11,223,000 | 1,562 |
| Net interest income | $9,790,000 | 1,872 |
| Provision for loan and lease losses | $410,000 | 3,402 |
| Total noninterest income | $2,253,000 | 1,792 |
| Gross Fiduciary activities income | $403,000 | 841 |
| Service charges on deposit accounts | $863,000 | 1,569 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $987,000 | 2,025 |
| Total noninterest expense | $6,101,000 | 2,381 |
| Salaries and employee benefits | $3,220,000 | 2,042 |
| Premises and equipment expense | $837,000 | 2,461 |
| Additional noninterest expense | $2,044,000 | 2,748 |
| Pre-tax net operating income | $5,532,000 | 1,170 |
| Securities gains (losses) | $128,000 | 2,614 |
| Applicable income taxes | $1,479,000 | 1,469 |
| Income before extraordinary items | $4,181,000 | 1,128 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $4,181,000 | 1,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $237,000 | 3,828 |
| Cash dividends | $5,005,000 | 381 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $4,086,280 | 1,063 |
* 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.