Home > Farmers and Merchants Bank of Hill City > Income and Expense
Farmers and Merchants Bank of Hill City, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $763,000 | 6,298 |
| Total interest expense | $95,000 | 6,126 |
| Net interest income | $668,000 | 6,291 |
| Provision for loan and lease losses | $42,000 | 3,752 |
| Total noninterest income | $69,000 | 6,064 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $60,000 | 4,987 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $9,000 | 6,388 |
| Total noninterest expense | $573,000 | 6,289 |
| Salaries and employee benefits | $280,000 | 6,407 |
| Premises and equipment expense | $84,000 | 5,862 |
| Additional noninterest expense | $209,000 | 6,124 |
| Pre-tax net operating income | $122,000 | 5,724 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $18,000 | 3,986 |
| Income before extraordinary items | $104,000 | 5,830 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $104,000 | 5,831 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $104,000 | 5,832 |
| Net charge-offs | $-2,000 | 5,680 |
| Cash dividends | $25,000 | 3,429 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $104,000 | 5,742 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $383,000 | 6,351 |
| Total interest expense | $48,000 | 6,196 |
| Net interest income | $335,000 | 6,329 |
| Provision for loan and lease losses | $20,000 | 3,573 |
| Total noninterest income | $34,000 | 6,088 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $30,000 | 4,965 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $4,000 | 6,468 |
| Total noninterest expense | $285,000 | 6,365 |
| Salaries and employee benefits | $152,000 | 6,368 |
| Premises and equipment expense | $25,000 | 6,421 |
| Additional noninterest expense | $108,000 | 6,157 |
| Pre-tax net operating income | $64,000 | 5,686 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $3,000 | 4,340 |
| Income before extraordinary items | $61,000 | 5,706 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $61,000 | 5,708 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $61,000 | 5,708 |
| Net charge-offs | $-1,000 | 5,189 |
| Cash dividends | $25,000 | 2,541 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $61,000 | 5,612 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $1,629,000 | 6,396 |
| Total interest expense | $210,000 | 6,361 |
| Net interest income | $1,419,000 | 6,348 |
| Provision for loan and lease losses | $83,000 | 4,847 |
| Total noninterest income | $188,000 | 5,766 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $116,000 | 5,211 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $72,000 | 5,592 |
| Total noninterest expense | $1,163,000 | 6,433 |
| Salaries and employee benefits | $601,000 | 6,459 |
| Premises and equipment expense | $181,000 | 5,859 |
| Additional noninterest expense | $381,000 | 6,399 |
| Pre-tax net operating income | $361,000 | 5,247 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $14,000 | 4,312 |
| Income before extraordinary items | $347,000 | 5,342 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $347,000 | 5,339 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $347,000 | 5,340 |
| Net charge-offs | $7,000 | 5,693 |
| Cash dividends | $170,000 | 3,729 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $347,000 | 5,145 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,211,000 | 6,509 |
| Total interest expense | $160,000 | 6,474 |
| Net interest income | $1,051,000 | 6,456 |
| Provision for loan and lease losses | $67,000 | 4,750 |
| Total noninterest income | $152,000 | 5,753 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $85,000 | 5,315 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $67,000 | 5,505 |
| Total noninterest expense | $869,000 | 6,499 |
| Salaries and employee benefits | $432,000 | 6,564 |
| Premises and equipment expense | $137,000 | 5,936 |
| Additional noninterest expense | $300,000 | 6,403 |
| Pre-tax net operating income | $267,000 | 5,424 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $12,000 | 4,334 |
| Income before extraordinary items | $255,000 | 5,501 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $255,000 | 5,500 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $255,000 | 5,500 |
| Net charge-offs | $8,000 | 5,367 |
| Cash dividends | $70,000 | 3,468 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $255,000 | 5,310 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $809,000 | 6,557 |
| Total interest expense | $109,000 | 6,537 |
| Net interest income | $700,000 | 6,502 |
| Provision for loan and lease losses | $45,000 | 4,652 |
| Total noninterest income | $106,000 | 5,731 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $56,000 | 5,348 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $50,000 | 5,446 |
| Total noninterest expense | $600,000 | 6,508 |
| Salaries and employee benefits | $291,000 | 6,611 |
| Premises and equipment expense | $91,000 | 5,960 |
| Additional noninterest expense | $218,000 | 6,336 |
| Pre-tax net operating income | $161,000 | 5,528 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $7,000 | 4,344 |
| Income before extraordinary items | $154,000 | 5,606 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $154,000 | 5,605 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $154,000 | 5,605 |
| Net charge-offs | $13,000 | 4,833 |
| Cash dividends | $70,000 | 3,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $154,000 | 5,426 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $401,000 | 6,624 |
| Total interest expense | $55,000 | 6,608 |
| Net interest income | $346,000 | 6,563 |
| Provision for loan and lease losses | $20,000 | 4,478 |
| Total noninterest income | $67,000 | 5,500 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $27,000 | 5,391 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $40,000 | 5,029 |
| Total noninterest expense | $296,000 | 6,585 |
| Salaries and employee benefits | $142,000 | 6,690 |
| Premises and equipment expense | $46,000 | 5,985 |
| Additional noninterest expense | $108,000 | 6,398 |
| Pre-tax net operating income | $97,000 | 5,438 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $97,000 | 5,401 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $97,000 | 5,401 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $97,000 | 5,401 |
| Net charge-offs | $15,000 | 3,852 |
| Cash dividends | $70,000 | 2,288 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $97,000 | 5,244 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $1,679,000 | 6,659 |
| Total interest expense | $239,000 | 6,764 |
| Net interest income | $1,440,000 | 6,578 |
| Provision for loan and lease losses | $157,000 | 4,886 |
| Total noninterest income | $170,000 | 5,911 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $126,000 | 5,175 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $44,000 | 6,006 |
| Total noninterest expense | $1,301,000 | 6,520 |
| Salaries and employee benefits | $644,000 | 6,598 |
| Premises and equipment expense | $207,000 | 5,945 |
| Additional noninterest expense | $450,000 | 6,408 |
| Pre-tax net operating income | $152,000 | 5,604 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $5,000 | 4,437 |
| Income before extraordinary items | $147,000 | 5,715 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $147,000 | 5,718 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $147,000 | 5,718 |
| Net charge-offs | $-16,000 | 7,067 |
| Cash dividends | $125,000 | 3,653 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $147,000 | 5,586 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $1,250,000 | 6,733 |
| Total interest expense | $183,000 | 6,846 |
| Net interest income | $1,067,000 | 6,647 |
| Provision for loan and lease losses | $112,000 | 4,842 |
| Total noninterest income | $132,000 | 5,983 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $96,000 | 5,183 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $36,000 | 6,056 |
| Total noninterest expense | $974,000 | 6,556 |
| Salaries and employee benefits | $473,000 | 6,645 |
| Premises and equipment expense | $158,000 | 5,959 |
| Additional noninterest expense | $343,000 | 6,440 |
| Pre-tax net operating income | $113,000 | 5,755 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $0 | 4,740 |
| Income before extraordinary items | $113,000 | 5,844 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $113,000 | 5,845 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $113,000 | 5,845 |
| Net charge-offs | $-13,000 | 7,048 |
| Cash dividends | $55,000 | 3,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $113,000 | 5,712 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $827,000 | 6,803 |
| Total interest expense | $126,000 | 6,907 |
| Net interest income | $701,000 | 6,723 |
| Provision for loan and lease losses | $97,000 | 4,442 |
| Total noninterest income | $97,000 | 5,892 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $65,000 | 5,142 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $32,000 | 5,904 |
| Total noninterest expense | $664,000 | 6,587 |
| Salaries and employee benefits | $324,000 | 6,677 |
| Premises and equipment expense | $109,000 | 5,946 |
| Additional noninterest expense | $231,000 | 6,502 |
| Pre-tax net operating income | $37,000 | 6,005 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $-8,000 | 6,851 |
| Income before extraordinary items | $45,000 | 6,035 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $45,000 | 6,034 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $45,000 | 6,035 |
| Net charge-offs | $-16,000 | 7,111 |
| Cash dividends | $30,000 | 3,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $45,000 | 5,957 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $420,000 | 6,829 |
| Total interest expense | $65,000 | 6,963 |
| Net interest income | $355,000 | 6,732 |
| Provision for loan and lease losses | $82,000 | 3,611 |
| Total noninterest income | $50,000 | 5,944 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $32,000 | 5,113 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 5,906 |
| Total noninterest expense | $338,000 | 6,626 |
| Salaries and employee benefits | $160,000 | 6,733 |
| Premises and equipment expense | $50,000 | 6,125 |
| Additional noninterest expense | $128,000 | 6,411 |
| Pre-tax net operating income | $-15,000 | 6,428 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $-15,000 | 6,462 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-15,000 | 6,462 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-15,000 | 6,462 |
| Net charge-offs | $1,000 | 4,979 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-15,000 | 6,443 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $1,965,000 | 6,742 |
| Total interest expense | $387,000 | 6,830 |
| Net interest income | $1,578,000 | 6,660 |
| Provision for loan and lease losses | $162,000 | 5,571 |
| Total noninterest income | $147,000 | 6,307 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $134,000 | 5,104 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $13,000 | 6,740 |
| Total noninterest expense | $1,300,000 | 6,750 |
| Salaries and employee benefits | $691,000 | 6,713 |
| Premises and equipment expense | $195,000 | 6,240 |
| Additional noninterest expense | $414,000 | 6,755 |
| Pre-tax net operating income | $263,000 | 5,015 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $2,000 | 4,467 |
| Income before extraordinary items | $261,000 | 5,079 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $261,000 | 5,083 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $261,000 | 5,083 |
| Net charge-offs | $257,000 | 4,496 |
| Cash dividends | $245,000 | 3,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $261,000 | 4,931 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,493,000 | 6,833 |
| Total interest expense | $311,000 | 6,897 |
| Net interest income | $1,182,000 | 6,743 |
| Provision for loan and lease losses | $139,000 | 5,343 |
| Total noninterest income | $112,000 | 6,410 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $100,000 | 5,178 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $12,000 | 6,859 |
| Total noninterest expense | $947,000 | 6,843 |
| Salaries and employee benefits | $498,000 | 6,825 |
| Premises and equipment expense | $140,000 | 6,405 |
| Additional noninterest expense | $309,000 | 6,826 |
| Pre-tax net operating income | $208,000 | 5,223 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $208,000 | 5,260 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $208,000 | 5,262 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $208,000 | 5,263 |
| Net charge-offs | $181,000 | 4,328 |
| Cash dividends | $140,000 | 2,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $208,000 | 5,101 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,011,000 | 6,870 |
| Total interest expense | $215,000 | 6,938 |
| Net interest income | $796,000 | 6,759 |
| Provision for loan and lease losses | $60,000 | 5,595 |
| Total noninterest income | $73,000 | 6,468 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $60,000 | 5,340 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $13,000 | 6,724 |
| Total noninterest expense | $611,000 | 6,943 |
| Salaries and employee benefits | $337,000 | 6,846 |
| Premises and equipment expense | $87,000 | 6,550 |
| Additional noninterest expense | $187,000 | 6,991 |
| Pre-tax net operating income | $198,000 | 4,952 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $198,000 | 4,915 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $198,000 | 4,916 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $198,000 | 4,915 |
| Net charge-offs | $2,000 | 6,208 |
| Cash dividends | $110,000 | 2,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $198,000 | 4,764 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $509,000 | 6,939 |
| Total interest expense | $110,000 | 7,031 |
| Net interest income | $399,000 | 6,820 |
| Provision for loan and lease losses | $38,000 | 5,148 |
| Total noninterest income | $33,000 | 6,632 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $30,000 | 5,359 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $3,000 | 7,164 |
| Total noninterest expense | $302,000 | 7,070 |
| Salaries and employee benefits | $172,000 | 6,906 |
| Premises and equipment expense | $41,000 | 6,710 |
| Additional noninterest expense | $89,000 | 7,135 |
| Pre-tax net operating income | $92,000 | 5,140 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-3,000 | 7,031 |
| Income before extraordinary items | $95,000 | 5,046 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $95,000 | 5,047 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $95,000 | 5,046 |
| Net charge-offs | $-1,000 | 6,806 |
| Cash dividends | $60,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $95,000 | 4,928 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,160,000 | 6,943 |
| Total interest expense | $468,000 | 7,208 |
| Net interest income | $1,692,000 | 6,686 |
| Provision for loan and lease losses | $185,000 | 5,860 |
| Total noninterest income | $167,000 | 6,465 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $146,000 | 5,201 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $21,000 | 6,936 |
| Total noninterest expense | $1,280,000 | 7,059 |
| Salaries and employee benefits | $733,000 | 6,879 |
| Premises and equipment expense | $178,000 | 6,664 |
| Additional noninterest expense | $369,000 | 7,197 |
| Pre-tax net operating income | $394,000 | 4,258 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $5,000 | 4,022 |
| Income before extraordinary items | $389,000 | 4,212 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $389,000 | 4,212 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $389,000 | 4,212 |
| Net charge-offs | $296,000 | 4,501 |
| Cash dividends | $315,000 | 3,150 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $389,000 | 4,140 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,641,000 | 7,004 |
| Total interest expense | $356,000 | 7,294 |
| Net interest income | $1,285,000 | 6,706 |
| Provision for loan and lease losses | $110,000 | 5,856 |
| Total noninterest income | $127,000 | 6,557 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $109,000 | 5,250 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $18,000 | 7,053 |
| Total noninterest expense | $920,000 | 7,150 |
| Salaries and employee benefits | $520,000 | 7,018 |
| Premises and equipment expense | $135,000 | 6,694 |
| Additional noninterest expense | $265,000 | 7,273 |
| Pre-tax net operating income | $382,000 | 4,248 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $382,000 | 4,120 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $382,000 | 4,117 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $382,000 | 4,120 |
| Net charge-offs | $151,000 | 4,597 |
| Cash dividends | $175,000 | 3,200 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $382,000 | 4,029 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,108,000 | 7,051 |
| Total interest expense | $243,000 | 7,371 |
| Net interest income | $865,000 | 6,700 |
| Provision for loan and lease losses | $65,000 | 5,770 |
| Total noninterest income | $79,000 | 6,694 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $66,000 | 5,389 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $13,000 | 7,108 |
| Total noninterest expense | $573,000 | 7,325 |
| Salaries and employee benefits | $346,000 | 7,089 |
| Premises and equipment expense | $79,000 | 6,963 |
| Additional noninterest expense | $148,000 | 7,539 |
| Pre-tax net operating income | $306,000 | 4,116 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $306,000 | 3,934 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $306,000 | 3,933 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $306,000 | 3,933 |
| Net charge-offs | $26,000 | 5,436 |
| Cash dividends | $75,000 | 3,463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $306,000 | 3,815 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $571,000 | 7,045 |
| Total interest expense | $128,000 | 7,405 |
| Net interest income | $443,000 | 6,660 |
| Provision for loan and lease losses | $38,000 | 5,245 |
| Total noninterest income | $30,000 | 7,020 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $30,000 | 5,504 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $0 | 7,833 |
| Total noninterest expense | $289,000 | 7,326 |
| Salaries and employee benefits | $174,000 | 7,127 |
| Premises and equipment expense | $38,000 | 7,069 |
| Additional noninterest expense | $77,000 | 7,429 |
| Pre-tax net operating income | $146,000 | 4,553 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $1,000 | 4,679 |
| Income before extraordinary items | $145,000 | 4,413 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $145,000 | 4,416 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $145,000 | 4,416 |
| Net charge-offs | $46,000 | 3,656 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $145,000 | 4,255 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,454,000 | 7,026 |
| Total interest expense | $742,000 | 7,233 |
| Net interest income | $1,712,000 | 6,749 |
| Provision for loan and lease losses | $258,000 | 4,856 |
| Total noninterest income | $326,000 | 5,694 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $146,000 | 5,365 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $180,000 | 5,018 |
| Total noninterest expense | $1,143,000 | 7,349 |
| Salaries and employee benefits | $648,000 | 7,287 |
| Premises and equipment expense | $162,000 | 7,032 |
| Additional noninterest expense | $333,000 | 7,310 |
| Pre-tax net operating income | $637,000 | 4,540 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $26,000 | 4,165 |
| Income before extraordinary items | $611,000 | 4,146 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $611,000 | 4,146 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $244,000 | 3,831 |
| Cash dividends | $415,000 | 3,631 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $611,000 | 4,295 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 7,087 |
| Total interest expense | $581,000 | 7,290 |
| Net interest income | $1,272,000 | 6,819 |
| Provision for loan and lease losses | $63,000 | 5,653 |
| Total noninterest income | $196,000 | 6,148 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $109,000 | 5,413 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $87,000 | 5,830 |
| Total noninterest expense | $755,000 | 7,557 |
| Salaries and employee benefits | $429,000 | 7,513 |
| Premises and equipment expense | $117,000 | 7,149 |
| Additional noninterest expense | $209,000 | 7,566 |
| Pre-tax net operating income | $650,000 | 4,500 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $18,000 | 4,637 |
| Income before extraordinary items | $632,000 | 4,036 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $632,000 | 4,032 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,737 |
| Cash dividends | $390,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $632,000 | 4,178 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,227,000 | 7,172 |
| Total interest expense | $408,000 | 7,339 |
| Net interest income | $819,000 | 6,911 |
| Provision for loan and lease losses | $3,000 | 6,580 |
| Total noninterest income | $120,000 | 6,368 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $70,000 | 5,488 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $50,000 | 6,130 |
| Total noninterest expense | $465,000 | 7,717 |
| Salaries and employee benefits | $267,000 | 7,671 |
| Premises and equipment expense | $74,000 | 7,276 |
| Additional noninterest expense | $124,000 | 7,756 |
| Pre-tax net operating income | $471,000 | 4,470 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $10,000 | 4,982 |
| Income before extraordinary items | $461,000 | 4,186 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $461,000 | 4,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,450 |
| Cash dividends | $290,000 | 3,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $461,000 | 4,127 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $631,000 | 7,202 |
| Total interest expense | $217,000 | 7,369 |
| Net interest income | $414,000 | 6,932 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $73,000 | 6,039 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $32,000 | 5,589 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $41,000 | 5,402 |
| Total noninterest expense | $227,000 | 7,786 |
| Salaries and employee benefits | $128,000 | 7,770 |
| Premises and equipment expense | $34,000 | 7,392 |
| Additional noninterest expense | $65,000 | 7,717 |
| Pre-tax net operating income | $260,000 | 4,456 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $256,000 | 4,151 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $256,000 | 4,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $256,000 | 4,045 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,647,000 | 7,096 |
| Total interest expense | $864,000 | 7,388 |
| Net interest income | $1,783,000 | 6,772 |
| Provision for loan and lease losses | $30,000 | 6,068 |
| Total noninterest income | $151,000 | 7,122 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $131,000 | 5,631 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $20,000 | 7,796 |
| Total noninterest expense | $1,069,000 | 7,554 |
| Salaries and employee benefits | $658,000 | 7,372 |
| Premises and equipment expense | $164,000 | 7,113 |
| Additional noninterest expense | $247,000 | 7,792 |
| Pre-tax net operating income | $835,000 | 5,095 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $24,000 | 5,330 |
| Income before extraordinary items | $811,000 | 4,771 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $811,000 | 4,772 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,456 |
| Cash dividends | $630,000 | 3,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $811,000 | 4,746 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,989,000 | 7,130 |
| Total interest expense | $640,000 | 7,443 |
| Net interest income | $1,349,000 | 6,791 |
| Provision for loan and lease losses | $21,000 | 5,805 |
| Total noninterest income | $112,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $96,000 | 5,692 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $16,000 | 7,805 |
| Total noninterest expense | $719,000 | 7,694 |
| Salaries and employee benefits | $397,000 | 7,708 |
| Premises and equipment expense | $119,000 | 7,144 |
| Additional noninterest expense | $203,000 | 7,660 |
| Pre-tax net operating income | $721,000 | 5,064 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $18,000 | 5,533 |
| Income before extraordinary items | $703,000 | 4,652 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $703,000 | 4,651 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 4,250 |
| Cash dividends | $490,000 | 2,979 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $703,000 | 4,640 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,337,000 | 7,156 |
| Total interest expense | $417,000 | 7,504 |
| Net interest income | $920,000 | 6,776 |
| Provision for loan and lease losses | $12,000 | 5,644 |
| Total noninterest income | $76,000 | 7,191 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $63,000 | 5,738 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $13,000 | 7,713 |
| Total noninterest expense | $459,000 | 7,800 |
| Salaries and employee benefits | $247,000 | 7,848 |
| Premises and equipment expense | $79,000 | 7,185 |
| Additional noninterest expense | $133,000 | 7,719 |
| Pre-tax net operating income | $525,000 | 4,934 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $516,000 | 4,482 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $516,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,409 |
| Cash dividends | $240,000 | 3,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $516,000 | 4,473 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $691,000 | 7,113 |
| Total interest expense | $203,000 | 7,568 |
| Net interest income | $488,000 | 6,667 |
| Provision for loan and lease losses | $9,000 | 5,108 |
| Total noninterest income | $33,000 | 7,359 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $27,000 | 5,944 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $6,000 | 7,790 |
| Total noninterest expense | $232,000 | 7,818 |
| Salaries and employee benefits | $126,000 | 7,879 |
| Premises and equipment expense | $43,000 | 7,057 |
| Additional noninterest expense | $63,000 | 7,812 |
| Pre-tax net operating income | $280,000 | 4,807 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $276,000 | 4,354 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $276,000 | 4,356 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,049 |
| Cash dividends | $75,000 | 3,338 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $276,000 | 4,335 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,479,000 | 7,161 |
| Total interest expense | $695,000 | 7,522 |
| Net interest income | $1,784,000 | 6,818 |
| Provision for loan and lease losses | $36,000 | 5,879 |
| Total noninterest income | $291,000 | 6,238 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $127,000 | 5,801 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $164,000 | 5,462 |
| Total noninterest expense | $1,079,000 | 7,583 |
| Salaries and employee benefits | $674,000 | 7,357 |
| Premises and equipment expense | $138,000 | 7,408 |
| Additional noninterest expense | $267,000 | 7,764 |
| Pre-tax net operating income | $960,000 | 5,291 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $40,000 | 5,584 |
| Income before extraordinary items | $920,000 | 4,889 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $920,000 | 4,892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 5,001 |
| Cash dividends | $725,000 | 3,135 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $920,000 | 4,886 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,859,000 | 7,200 |
| Total interest expense | $497,000 | 7,597 |
| Net interest income | $1,362,000 | 6,861 |
| Provision for loan and lease losses | $27,000 | 5,738 |
| Total noninterest income | $203,000 | 6,422 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $96,000 | 5,861 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $107,000 | 5,724 |
| Total noninterest expense | $702,000 | 7,811 |
| Salaries and employee benefits | $399,000 | 7,779 |
| Premises and equipment expense | $97,000 | 7,511 |
| Additional noninterest expense | $206,000 | 7,741 |
| Pre-tax net operating income | $836,000 | 5,146 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $27,000 | 5,818 |
| Income before extraordinary items | $809,000 | 4,673 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $809,000 | 4,677 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,178 |
| Cash dividends | $525,000 | 2,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $809,000 | 4,665 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,243,000 | 7,197 |
| Total interest expense | $316,000 | 7,638 |
| Net interest income | $927,000 | 6,848 |
| Provision for loan and lease losses | $18,000 | 5,601 |
| Total noninterest income | $130,000 | 6,506 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $63,000 | 5,893 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $67,000 | 5,874 |
| Total noninterest expense | $444,000 | 7,915 |
| Salaries and employee benefits | $255,000 | 7,873 |
| Premises and equipment expense | $61,000 | 7,602 |
| Additional noninterest expense | $128,000 | 7,855 |
| Pre-tax net operating income | $595,000 | 5,012 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $15,000 | 5,945 |
| Income before extraordinary items | $580,000 | 4,528 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $580,000 | 4,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,393 |
| Cash dividends | $325,000 | 2,993 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $580,000 | 4,519 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $615,000 | 7,215 |
| Total interest expense | $149,000 | 7,691 |
| Net interest income | $466,000 | 6,857 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $89,000 | 5,835 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $222,000 | 7,934 |
| Salaries and employee benefits | $127,000 | 7,898 |
| Premises and equipment expense | $31,000 | 7,598 |
| Additional noninterest expense | $64,000 | 7,843 |
| Pre-tax net operating income | $324,000 | 4,771 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $8,000 | 5,862 |
| Income before extraordinary items | $316,000 | 4,285 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $316,000 | 4,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $175,000 | 2,559 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $316,000 | 4,268 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,176,000 | 7,289 |
| Total interest expense | $479,000 | 7,687 |
| Net interest income | $1,697,000 | 7,034 |
| Provision for loan and lease losses | $37,000 | 6,037 |
| Total noninterest income | $614,000 | 4,727 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $126,000 | 5,921 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $488,000 | 3,416 |
| Total noninterest expense | $1,139,000 | 7,506 |
| Salaries and employee benefits | $711,000 | 7,229 |
| Premises and equipment expense | $156,000 | 7,202 |
| Additional noninterest expense | $272,000 | 7,797 |
| Pre-tax net operating income | $1,135,000 | 5,027 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $39,000 | 6,011 |
| Income before extraordinary items | $1,096,000 | 4,576 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,096,000 | 4,578 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,381 |
| Cash dividends | $450,000 | 3,808 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,096,000 | 4,539 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,591,000 | 7,348 |
| Total interest expense | $348,000 | 7,688 |
| Net interest income | $1,243,000 | 7,111 |
| Provision for loan and lease losses | $28,000 | 5,891 |
| Total noninterest income | $552,000 | 4,260 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $92,000 | 6,004 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $460,000 | 3,032 |
| Total noninterest expense | $844,000 | 7,517 |
| Salaries and employee benefits | $455,000 | 7,567 |
| Premises and equipment expense | $110,000 | 7,324 |
| Additional noninterest expense | $279,000 | 7,251 |
| Pre-tax net operating income | $923,000 | 4,975 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $18,000 | 6,335 |
| Income before extraordinary items | $905,000 | 4,439 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $905,000 | 4,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,349 |
| Cash dividends | $300,000 | 3,493 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $905,000 | 4,404 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,015,000 | 7,426 |
| Total interest expense | $221,000 | 7,696 |
| Net interest income | $794,000 | 7,210 |
| Provision for loan and lease losses | $21,000 | 5,614 |
| Total noninterest income | $507,000 | 3,482 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $58,000 | 6,068 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $449,000 | 2,353 |
| Total noninterest expense | $599,000 | 7,403 |
| Salaries and employee benefits | $305,000 | 7,565 |
| Premises and equipment expense | $74,000 | 7,300 |
| Additional noninterest expense | $220,000 | 6,870 |
| Pre-tax net operating income | $681,000 | 4,694 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $5,000 | 6,626 |
| Income before extraordinary items | $676,000 | 4,088 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $676,000 | 4,089 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,491 |
| Cash dividends | $100,000 | 4,233 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $676,000 | 4,030 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $495,000 | 7,511 |
| Total interest expense | $106,000 | 7,755 |
| Net interest income | $389,000 | 7,317 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $418,000 | 2,425 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $28,000 | 6,092 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $390,000 | 1,580 |
| Total noninterest expense | $310,000 | 7,378 |
| Salaries and employee benefits | $139,000 | 7,789 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $132,000 | 6,402 |
| Pre-tax net operating income | $482,000 | 3,778 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $475,000 | 3,162 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $475,000 | 3,163 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,609 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $475,000 | 3,122 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,900,000 | 7,484 |
| Total interest expense | $407,000 | 7,663 |
| Net interest income | $1,493,000 | 7,313 |
| Provision for loan and lease losses | $287,000 | 3,021 |
| Total noninterest income | $164,000 | 7,476 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $135,000 | 5,973 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $29,000 | 7,990 |
| Total noninterest expense | $1,059,000 | 7,693 |
| Salaries and employee benefits | $598,000 | 7,668 |
| Premises and equipment expense | $173,000 | 7,061 |
| Additional noninterest expense | $288,000 | 7,764 |
| Pre-tax net operating income | $311,000 | 7,398 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $20,000 | 6,539 |
| Income before extraordinary items | $291,000 | 7,267 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $291,000 | 7,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $302,000 | 1,986 |
| Cash dividends | $330,000 | 4,202 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $291,000 | 7,214 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,413,000 | 7,528 |
| Total interest expense | $303,000 | 7,684 |
| Net interest income | $1,110,000 | 7,355 |
| Provision for loan and lease losses | $98,000 | 4,331 |
| Total noninterest income | $125,000 | 7,507 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $102,000 | 6,016 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $23,000 | 7,956 |
| Total noninterest expense | $706,000 | 7,904 |
| Salaries and employee benefits | $394,000 | 7,883 |
| Premises and equipment expense | $130,000 | 7,037 |
| Additional noninterest expense | $182,000 | 8,030 |
| Pre-tax net operating income | $431,000 | 6,608 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $17,000 | 6,595 |
| Income before extraordinary items | $414,000 | 6,232 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $414,000 | 6,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 5,003 |
| Cash dividends | $330,000 | 3,313 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $414,000 | 6,165 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $958,000 | 7,528 |
| Total interest expense | $201,000 | 7,754 |
| Net interest income | $757,000 | 7,350 |
| Provision for loan and lease losses | $18,000 | 5,953 |
| Total noninterest income | $81,000 | 7,572 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $69,000 | 5,999 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $12,000 | 8,173 |
| Total noninterest expense | $458,000 | 7,991 |
| Salaries and employee benefits | $257,000 | 7,971 |
| Premises and equipment expense | $86,000 | 7,074 |
| Additional noninterest expense | $115,000 | 8,149 |
| Pre-tax net operating income | $362,000 | 6,106 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $11,000 | 6,615 |
| Income before extraordinary items | $351,000 | 5,668 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $351,000 | 5,668 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $230,000 | 3,269 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $351,000 | 5,580 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $471,000 | 7,621 |
| Total interest expense | $102,000 | 7,816 |
| Net interest income | $369,000 | 7,437 |
| Provision for loan and lease losses | $9,000 | 5,706 |
| Total noninterest income | $35,000 | 7,776 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $4,000 | 8,419 |
| Total noninterest expense | $227,000 | 8,048 |
| Salaries and employee benefits | $127,000 | 8,015 |
| Premises and equipment expense | $40,000 | 7,262 |
| Additional noninterest expense | $60,000 | 8,152 |
| Pre-tax net operating income | $168,000 | 6,201 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $9,000 | 6,307 |
| Income before extraordinary items | $159,000 | 5,868 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $159,000 | 5,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $159,000 | 5,747 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,122,000 | 7,431 |
| Total interest expense | $463,000 | 7,881 |
| Net interest income | $1,659,000 | 7,127 |
| Provision for loan and lease losses | $85,000 | 5,561 |
| Total noninterest income | $263,000 | 6,855 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $141,000 | 5,980 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $122,000 | 6,193 |
| Total noninterest expense | $1,011,000 | 7,858 |
| Salaries and employee benefits | $614,000 | 7,637 |
| Premises and equipment expense | $164,000 | 7,207 |
| Additional noninterest expense | $233,000 | 8,207 |
| Pre-tax net operating income | $826,000 | 5,618 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $40,000 | 6,430 |
| Income before extraordinary items | $786,000 | 5,280 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $786,000 | 5,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 5,259 |
| Cash dividends | $630,000 | 3,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $786,000 | 5,131 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,627,000 | 7,472 |
| Total interest expense | $357,000 | 7,981 |
| Net interest income | $1,270,000 | 7,104 |
| Provision for loan and lease losses | $36,000 | 6,222 |
| Total noninterest income | $219,000 | 6,687 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $107,000 | 5,992 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $112,000 | 5,863 |
| Total noninterest expense | $689,000 | 8,047 |
| Salaries and employee benefits | $408,000 | 7,897 |
| Premises and equipment expense | $127,000 | 7,158 |
| Additional noninterest expense | $154,000 | 8,428 |
| Pre-tax net operating income | $764,000 | 5,274 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $31,000 | 6,549 |
| Income before extraordinary items | $733,000 | 4,858 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $733,000 | 4,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 6,480 |
| Cash dividends | $530,000 | 2,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $733,000 | 4,667 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,092,000 | 7,506 |
| Total interest expense | $245,000 | 8,041 |
| Net interest income | $847,000 | 7,121 |
| Provision for loan and lease losses | $27,000 | 6,031 |
| Total noninterest income | $170,000 | 6,353 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $69,000 | 6,045 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $101,000 | 5,311 |
| Total noninterest expense | $459,000 | 8,066 |
| Salaries and employee benefits | $271,000 | 7,922 |
| Premises and equipment expense | $78,000 | 7,336 |
| Additional noninterest expense | $110,000 | 8,310 |
| Pre-tax net operating income | $531,000 | 5,163 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $19,000 | 6,636 |
| Income before extraordinary items | $512,000 | 4,736 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $512,000 | 4,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,879 |
| Cash dividends | $340,000 | 2,704 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $512,000 | 4,529 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $571,000 | 7,447 |
| Total interest expense | $122,000 | 8,147 |
| Net interest income | $449,000 | 6,969 |
| Provision for loan and lease losses | $18,000 | 5,381 |
| Total noninterest income | $109,000 | 5,690 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $33,000 | 6,078 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $76,000 | 4,450 |
| Total noninterest expense | $229,000 | 8,099 |
| Salaries and employee benefits | $136,000 | 7,948 |
| Premises and equipment expense | $38,000 | 7,422 |
| Additional noninterest expense | $55,000 | 8,353 |
| Pre-tax net operating income | $311,000 | 4,704 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $8,000 | 6,684 |
| Income before extraordinary items | $303,000 | 4,216 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $303,000 | 4,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $150,000 | 2,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $303,000 | 4,028 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,064,000 | 7,782 |
| Total interest expense | $625,000 | 8,017 |
| Net interest income | $1,439,000 | 7,535 |
| Provision for loan and lease losses | $128,000 | 5,235 |
| Total noninterest income | $243,000 | 6,922 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $140,000 | 5,961 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $103,000 | 6,389 |
| Total noninterest expense | $1,028,000 | 7,877 |
| Salaries and employee benefits | $634,000 | 7,574 |
| Premises and equipment expense | $155,000 | 7,378 |
| Additional noninterest expense | $239,000 | 8,259 |
| Pre-tax net operating income | $526,000 | 6,674 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $8,000 | 7,355 |
| Income before extraordinary items | $518,000 | 6,317 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $518,000 | 6,316 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $109,000 | 4,025 |
| Cash dividends | $350,000 | 4,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $518,000 | 6,167 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,485,000 | 7,769 |
| Total interest expense | $1,083,000 | 7,847 |
| Net interest income | $1,402,000 | 7,513 |
| Provision for loan and lease losses | $194,000 | 4,218 |
| Total noninterest income | $277,000 | 6,608 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $129,000 | 6,100 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $148,000 | 5,569 |
| Total noninterest expense | $1,025,000 | 7,891 |
| Salaries and employee benefits | $633,000 | 7,516 |
| Premises and equipment expense | $138,000 | 7,719 |
| Additional noninterest expense | $254,000 | 8,186 |
| Pre-tax net operating income | $460,000 | 6,715 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $19,000 | 7,346 |
| Income before extraordinary items | $441,000 | 6,349 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $441,000 | 6,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $207,000 | 2,806 |
| Cash dividends | $384,000 | 3,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $441,000 | 6,233 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,498,000 | 7,902 |
| Total interest expense | $1,121,000 | 7,969 |
| Net interest income | $1,377,000 | 7,697 |
| Provision for loan and lease losses | $67,000 | 6,062 |
| Total noninterest income | $221,000 | 7,065 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $137,000 | 5,948 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 6,813 |
| Total noninterest expense | $1,100,000 | 7,742 |
| Salaries and employee benefits | $700,000 | 7,207 |
| Premises and equipment expense | $134,000 | 7,850 |
| Additional noninterest expense | $266,000 | 8,218 |
| Pre-tax net operating income | $431,000 | 7,312 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $18,000 | 7,887 |
| Income before extraordinary items | $413,000 | 6,776 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $413,000 | 6,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 6,747 |
| Cash dividends | $375,000 | 4,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $413,000 | 6,782 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,212,000 | 8,242 |
| Total interest expense | $1,024,000 | 8,121 |
| Net interest income | $1,188,000 | 8,217 |
| Provision for loan and lease losses | $36,000 | 6,998 |
| Total noninterest income | $261,000 | 6,825 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $140,000 | 6,013 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $121,000 | 6,153 |
| Total noninterest expense | $1,138,000 | 7,728 |
| Salaries and employee benefits | $701,000 | 7,231 |
| Premises and equipment expense | $152,000 | 7,631 |
| Additional noninterest expense | $285,000 | 8,244 |
| Pre-tax net operating income | $275,000 | 8,233 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $19,000 | 8,242 |
| Income before extraordinary items | $255,000 | 7,896 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $255,000 | 7,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 9,262 |
| Cash dividends | $190,000 | 5,325 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $255,930 | 7,869 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,282,000 | 8,335 |
| Total interest expense | $1,108,000 | 8,136 |
| Net interest income | $1,174,000 | 8,387 |
| Provision for loan and lease losses | $27,000 | 7,449 |
| Total noninterest income | $342,000 | 6,080 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $152,000 | 5,903 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $190,000 | 5,093 |
| Total noninterest expense | $1,025,000 | 8,035 |
| Salaries and employee benefits | $683,000 | 7,283 |
| Premises and equipment expense | $109,000 | 8,510 |
| Additional noninterest expense | $233,000 | 8,766 |
| Pre-tax net operating income | $464,000 | 7,562 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $17,000 | 8,941 |
| Income before extraordinary items | $447,000 | 6,938 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $447,000 | 6,936 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,842 |
| Cash dividends | $375,000 | 4,132 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $447,000 | 6,834 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,973,000 | 9,040 |
| Total interest expense | $898,000 | 8,973 |
| Net interest income | $1,075,000 | 9,003 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $262,000 | 7,082 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $151,000 | 6,158 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,492 |
| Total noninterest expense | $990,000 | 8,380 |
| Salaries and employee benefits | $608,000 | 7,860 |
| Premises and equipment expense | $97,000 | 9,032 |
| Additional noninterest expense | $285,000 | 8,477 |
| Pre-tax net operating income | $323,000 | 8,867 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $61,000 | 9,066 |
| Income before extraordinary items | $262,000 | 8,657 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $262,000 | 8,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,835 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $262,000 | 8,619 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,877,000 | 9,544 |
| Total interest expense | $895,000 | 9,349 |
| Net interest income | $982,000 | 9,596 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $320,000 | 6,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 6,768 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $186,000 | 5,374 |
| Total noninterest expense | $894,000 | 9,079 |
| Salaries and employee benefits | $583,000 | 8,241 |
| Premises and equipment expense | $112,000 | 8,981 |
| Additional noninterest expense | $199,000 | 9,944 |
| Pre-tax net operating income | $384,000 | 8,611 |
| Securities gains (losses) | $-1,000 | 9,274 |
| Applicable income taxes | $148,000 | 7,899 |
| Income before extraordinary items | $235,000 | 8,957 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $235,000 | 8,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,612 |
| Cash dividends | $100,000 | 6,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $235,640 | 8,898 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,762,000 | 10,068 |
| Total interest expense | $866,000 | 9,746 |
| Net interest income | $896,000 | 10,255 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $343,000 | 6,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $115,000 | 7,426 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $228,000 | 4,745 |
| Total noninterest expense | $919,000 | 9,292 |
| Salaries and employee benefits | $597,000 | 8,372 |
| Premises and equipment expense | $136,000 | 8,625 |
| Additional noninterest expense | $186,000 | 10,608 |
| Pre-tax net operating income | $296,000 | 9,766 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $120,000 | 8,792 |
| Income before extraordinary items | $176,000 | 10,204 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $176,000 | 10,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 7,018 |
| Cash dividends | $100,000 | 6,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $176,000 | 10,175 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,524,000 | 10,695 |
| Total interest expense | $659,000 | 10,307 |
| Net interest income | $865,000 | 10,836 |
| Provision for loan and lease losses | $23,000 | 7,639 |
| Total noninterest income | $310,000 | 7,119 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,891 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 5,240 |
| Total noninterest expense | $859,000 | 9,953 |
| Salaries and employee benefits | $541,000 | 9,035 |
| Premises and equipment expense | $110,000 | 9,702 |
| Additional noninterest expense | $208,000 | 11,044 |
| Pre-tax net operating income | $293,000 | 10,181 |
| Securities gains (losses) | $-2,000 | 9,023 |
| Applicable income taxes | $66,000 | 10,095 |
| Income before extraordinary items | $225,000 | 9,977 |
| Extraordinary gains, net | $73,000 | 137 |
| Net income | $298,000 | 9,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 7,826 |
| Cash dividends | $50,000 | 7,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $226,540 | 10,030 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,544,000 | 11,137 |
| Total interest expense | $632,000 | 10,963 |
| Net interest income | $912,000 | 11,121 |
| Provision for loan and lease losses | $29,000 | 8,543 |
| Total noninterest income | $426,000 | 6,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $99,000 | 8,412 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $327,000 | 4,259 |
| Total noninterest expense | $882,000 | 10,282 |
| Salaries and employee benefits | $544,000 | 9,277 |
| Premises and equipment expense | $117,000 | 9,887 |
| Additional noninterest expense | $221,000 | 11,452 |
| Pre-tax net operating income | $427,000 | 9,198 |
| Securities gains (losses) | $1,000 | 7,052 |
| Applicable income taxes | $151,000 | 8,625 |
| Income before extraordinary items | $277,000 | 9,730 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $277,000 | 9,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 5,334 |
| Cash dividends | $26,000 | 8,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $276,350 | 9,487 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,892,000 | 11,114 |
| Total interest expense | $853,000 | 11,079 |
| Net interest income | $1,039,000 | 10,942 |
| Provision for loan and lease losses | $12,000 | 11,000 |
| Total noninterest income | $351,000 | 7,103 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $89,000 | 8,867 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $262,000 | 4,818 |
| Total noninterest expense | $900,000 | 10,481 |
| Salaries and employee benefits | $562,000 | 9,167 |
| Premises and equipment expense | $92,000 | 11,034 |
| Additional noninterest expense | $246,000 | 11,589 |
| Pre-tax net operating income | $478,000 | 8,567 |
| Securities gains (losses) | $24,000 | 5,342 |
| Applicable income taxes | $201,000 | 7,542 |
| Income before extraordinary items | $301,000 | 9,312 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $301,000 | 9,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-15,000 | 12,970 |
| Cash dividends | $125,000 | 6,110 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $285,640 | 9,103 |
* 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.