Home > First Boulder Valley Bank > Income and Expense
First Boulder Valley Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $972,000 | 7,247 |
| Total interest expense | $181,000 | 7,652 |
| Net interest income | $791,000 | 6,864 |
| Provision for loan and lease losses | $23,000 | 6,642 |
| Total noninterest income | $115,000 | 6,178 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $83,000 | 5,005 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $32,000 | 6,339 |
| Total noninterest expense | $708,000 | 6,984 |
| Salaries and employee benefits | $417,000 | 6,723 |
| Premises and equipment expense | $76,000 | 7,032 |
| Additional noninterest expense | $215,000 | 7,075 |
| Pre-tax net operating income | $175,000 | 4,788 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $175,000 | 4,704 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $175,000 | 4,700 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $175,000 | 4,700 |
| Net charge-offs | $29,000 | 5,364 |
| Cash dividends | $150,000 | 2,953 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $175,000 | 4,612 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $474,000 | 7,329 |
| Total interest expense | $95,000 | 7,686 |
| Net interest income | $379,000 | 6,973 |
| Provision for loan and lease losses | $5,000 | 6,536 |
| Total noninterest income | $55,000 | 6,240 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $38,000 | 5,114 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $348,000 | 7,013 |
| Salaries and employee benefits | $208,000 | 6,774 |
| Premises and equipment expense | $37,000 | 7,099 |
| Additional noninterest expense | $103,000 | 7,049 |
| Pre-tax net operating income | $81,000 | 5,245 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $81,000 | 5,206 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $81,000 | 5,211 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $81,000 | 5,210 |
| Net charge-offs | $17,000 | 4,442 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $81,000 | 5,041 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $2,112,000 | 7,253 |
| Total interest expense | $516,000 | 7,637 |
| Net interest income | $1,596,000 | 6,881 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $276,000 | 5,963 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $206,000 | 4,735 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $70,000 | 6,382 |
| Total noninterest expense | $1,343,000 | 7,093 |
| Salaries and employee benefits | $748,000 | 7,034 |
| Premises and equipment expense | $179,000 | 6,869 |
| Additional noninterest expense | $416,000 | 6,979 |
| Pre-tax net operating income | $493,000 | 4,892 |
| Securities gains (losses) | $5,000 | 2,760 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $498,000 | 4,466 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $498,000 | 4,465 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,843 |
| Cash dividends | $376,000 | 3,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $493,000 | 4,640 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $1,606,000 | 7,316 |
| Total interest expense | $403,000 | 7,716 |
| Net interest income | $1,203,000 | 6,930 |
| Provision for loan and lease losses | $33,000 | 6,227 |
| Total noninterest income | $208,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $161,000 | 4,691 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $47,000 | 6,671 |
| Total noninterest expense | $993,000 | 7,127 |
| Salaries and employee benefits | $556,000 | 7,065 |
| Premises and equipment expense | $128,000 | 6,995 |
| Additional noninterest expense | $309,000 | 6,982 |
| Pre-tax net operating income | $385,000 | 5,324 |
| Securities gains (losses) | $5,000 | 2,631 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $390,000 | 4,833 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $390,000 | 4,830 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,073 |
| Cash dividends | $284,000 | 3,489 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $385,000 | 5,015 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,071,000 | 7,384 |
| Total interest expense | $278,000 | 7,778 |
| Net interest income | $793,000 | 6,977 |
| Provision for loan and lease losses | $22,000 | 5,910 |
| Total noninterest income | $135,000 | 6,160 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $103,000 | 4,787 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $32,000 | 6,701 |
| Total noninterest expense | $658,000 | 7,185 |
| Salaries and employee benefits | $366,000 | 7,133 |
| Premises and equipment expense | $85,000 | 7,019 |
| Additional noninterest expense | $207,000 | 7,000 |
| Pre-tax net operating income | $248,000 | 5,505 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $248,000 | 5,289 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $248,000 | 5,290 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,518 |
| Cash dividends | $193,000 | 3,504 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $248,000 | 5,212 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $544,000 | 7,434 |
| Total interest expense | $146,000 | 7,828 |
| Net interest income | $398,000 | 7,018 |
| Provision for loan and lease losses | $10,000 | 5,419 |
| Total noninterest income | $69,000 | 6,144 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $51,000 | 4,770 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $18,000 | 6,579 |
| Total noninterest expense | $333,000 | 7,189 |
| Salaries and employee benefits | $185,000 | 7,141 |
| Premises and equipment expense | $43,000 | 7,040 |
| Additional noninterest expense | $105,000 | 6,983 |
| Pre-tax net operating income | $124,000 | 5,724 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $124,000 | 5,528 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $124,000 | 5,531 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $101,000 | 2,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $124,000 | 5,427 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,355,000 | 7,305 |
| Total interest expense | $636,000 | 7,753 |
| Net interest income | $1,719,000 | 6,857 |
| Provision for loan and lease losses | $51,000 | 5,640 |
| Total noninterest income | $263,000 | 6,288 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $206,000 | 4,851 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $57,000 | 6,952 |
| Total noninterest expense | $1,394,000 | 7,074 |
| Salaries and employee benefits | $751,000 | 7,119 |
| Premises and equipment expense | $176,000 | 6,974 |
| Additional noninterest expense | $467,000 | 6,746 |
| Pre-tax net operating income | $537,000 | 5,872 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $537,000 | 5,550 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $537,000 | 5,550 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,188 |
| Cash dividends | $278,000 | 4,530 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $537,000 | 5,540 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $1,745,000 | 7,361 |
| Total interest expense | $470,000 | 7,816 |
| Net interest income | $1,275,000 | 6,913 |
| Provision for loan and lease losses | $37,000 | 5,394 |
| Total noninterest income | $197,000 | 6,334 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $154,000 | 4,873 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $43,000 | 6,975 |
| Total noninterest expense | $1,039,000 | 7,079 |
| Salaries and employee benefits | $552,000 | 7,121 |
| Premises and equipment expense | $131,000 | 6,973 |
| Additional noninterest expense | $356,000 | 6,689 |
| Pre-tax net operating income | $396,000 | 6,184 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $396,000 | 5,853 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $396,000 | 5,851 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,768 |
| Cash dividends | $278,000 | 3,736 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $396,000 | 5,834 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,157,000 | 7,426 |
| Total interest expense | $314,000 | 7,855 |
| Net interest income | $843,000 | 6,981 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $130,000 | 6,397 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $101,000 | 4,923 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $29,000 | 7,026 |
| Total noninterest expense | $679,000 | 7,147 |
| Salaries and employee benefits | $363,000 | 7,202 |
| Premises and equipment expense | $86,000 | 7,023 |
| Additional noninterest expense | $230,000 | 6,790 |
| Pre-tax net operating income | $264,000 | 6,268 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $264,000 | 5,918 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $264,000 | 5,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,113 |
| Cash dividends | $177,000 | 3,786 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $264,000 | 5,905 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $564,000 | 7,498 |
| Total interest expense | $152,000 | 7,923 |
| Net interest income | $412,000 | 7,034 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $61,000 | 6,498 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $47,000 | 5,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $340,000 | 7,192 |
| Salaries and employee benefits | $182,000 | 7,235 |
| Premises and equipment expense | $47,000 | 6,906 |
| Additional noninterest expense | $111,000 | 6,884 |
| Pre-tax net operating income | $118,000 | 6,449 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $118,000 | 6,114 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $118,000 | 6,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 3,204 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $118,000 | 6,102 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,055,000 | 7,494 |
| Total interest expense | $483,000 | 7,951 |
| Net interest income | $1,572,000 | 7,092 |
| Provision for loan and lease losses | $78,000 | 5,050 |
| Total noninterest income | $241,000 | 6,594 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $193,000 | 5,066 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $48,000 | 7,298 |
| Total noninterest expense | $1,303,000 | 7,228 |
| Salaries and employee benefits | $701,000 | 7,271 |
| Premises and equipment expense | $168,000 | 7,058 |
| Additional noninterest expense | $434,000 | 6,892 |
| Pre-tax net operating income | $432,000 | 6,692 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $432,000 | 6,396 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $432,000 | 6,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,821 |
| Cash dividends | $351,000 | 4,276 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $432,000 | 6,398 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,501,000 | 7,585 |
| Total interest expense | $345,000 | 8,026 |
| Net interest income | $1,156,000 | 7,201 |
| Provision for loan and lease losses | $63,000 | 4,799 |
| Total noninterest income | $181,000 | 6,649 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $144,000 | 5,125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $37,000 | 7,308 |
| Total noninterest expense | $970,000 | 7,245 |
| Salaries and employee benefits | $519,000 | 7,291 |
| Premises and equipment expense | $126,000 | 7,071 |
| Additional noninterest expense | $325,000 | 6,915 |
| Pre-tax net operating income | $304,000 | 6,988 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $304,000 | 6,705 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $304,000 | 6,705 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,984 |
| Cash dividends | $191,000 | 4,228 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $304,000 | 6,706 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $979,000 | 7,637 |
| Total interest expense | $222,000 | 8,059 |
| Net interest income | $757,000 | 7,280 |
| Provision for loan and lease losses | $43,000 | 4,644 |
| Total noninterest income | $119,000 | 6,691 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $94,000 | 5,152 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,325 |
| Total noninterest expense | $636,000 | 7,318 |
| Salaries and employee benefits | $344,000 | 7,337 |
| Premises and equipment expense | $83,000 | 7,114 |
| Additional noninterest expense | $209,000 | 7,003 |
| Pre-tax net operating income | $197,000 | 7,104 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $197,000 | 6,774 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $197,000 | 6,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 2,156 |
| Cash dividends | $91,000 | 4,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $197,000 | 6,786 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $473,000 | 7,703 |
| Total interest expense | $107,000 | 8,085 |
| Net interest income | $366,000 | 7,361 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $58,000 | 6,685 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $44,000 | 5,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,173 |
| Total noninterest expense | $316,000 | 7,337 |
| Salaries and employee benefits | $174,000 | 7,332 |
| Premises and equipment expense | $37,000 | 7,336 |
| Additional noninterest expense | $105,000 | 6,979 |
| Pre-tax net operating income | $88,000 | 7,202 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $88,000 | 6,922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $88,000 | 6,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,059 |
| Cash dividends | $46,000 | 3,628 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $88,000 | 6,921 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $1,818,000 | 7,618 |
| Total interest expense | $345,000 | 8,068 |
| Net interest income | $1,473,000 | 7,334 |
| Provision for loan and lease losses | $71,000 | 5,294 |
| Total noninterest income | $233,000 | 6,806 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $181,000 | 5,254 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,351 |
| Total noninterest expense | $1,244,000 | 7,328 |
| Salaries and employee benefits | $670,000 | 7,375 |
| Premises and equipment expense | $167,000 | 7,092 |
| Additional noninterest expense | $407,000 | 7,062 |
| Pre-tax net operating income | $391,000 | 7,093 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $391,000 | 6,810 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $391,000 | 6,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,950 |
| Cash dividends | $209,000 | 4,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $391,000 | 6,777 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,333,000 | 7,684 |
| Total interest expense | $231,000 | 8,177 |
| Net interest income | $1,102,000 | 7,375 |
| Provision for loan and lease losses | $51,000 | 5,162 |
| Total noninterest income | $178,000 | 6,805 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $140,000 | 5,219 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 7,396 |
| Total noninterest expense | $925,000 | 7,334 |
| Salaries and employee benefits | $499,000 | 7,377 |
| Premises and equipment expense | $123,000 | 7,119 |
| Additional noninterest expense | $303,000 | 7,078 |
| Pre-tax net operating income | $304,000 | 7,185 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $304,000 | 6,896 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $304,000 | 6,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 3,746 |
| Cash dividends | $164,000 | 4,268 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $304,000 | 6,847 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $863,000 | 7,715 |
| Total interest expense | $136,000 | 8,243 |
| Net interest income | $727,000 | 7,407 |
| Provision for loan and lease losses | $21,000 | 5,614 |
| Total noninterest income | $117,000 | 6,800 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $91,000 | 5,229 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $26,000 | 7,352 |
| Total noninterest expense | $613,000 | 7,346 |
| Salaries and employee benefits | $336,000 | 7,340 |
| Premises and equipment expense | $82,000 | 7,100 |
| Additional noninterest expense | $195,000 | 7,138 |
| Pre-tax net operating income | $210,000 | 7,154 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $210,000 | 6,857 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $210,000 | 6,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,682 |
| Cash dividends | $124,000 | 4,075 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $210,000 | 6,810 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $424,000 | 7,785 |
| Total interest expense | $65,000 | 8,326 |
| Net interest income | $359,000 | 7,486 |
| Provision for loan and lease losses | $7,000 | 5,663 |
| Total noninterest income | $57,000 | 6,849 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $43,000 | 5,318 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,363 |
| Total noninterest expense | $306,000 | 7,404 |
| Salaries and employee benefits | $169,000 | 7,392 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $98,000 | 7,182 |
| Pre-tax net operating income | $103,000 | 7,182 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $103,000 | 6,845 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $103,000 | 6,847 |
| 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 | $103,000 | 6,815 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $1,587,000 | 7,796 |
| Total interest expense | $237,000 | 8,344 |
| Net interest income | $1,350,000 | 7,522 |
| Provision for loan and lease losses | $30,000 | 6,416 |
| Total noninterest income | $250,000 | 6,777 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $220,000 | 5,027 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $30,000 | 7,956 |
| Total noninterest expense | $1,192,000 | 7,459 |
| Salaries and employee benefits | $656,000 | 7,451 |
| Premises and equipment expense | $156,000 | 7,255 |
| Additional noninterest expense | $380,000 | 7,237 |
| Pre-tax net operating income | $378,000 | 7,169 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $378,000 | 6,887 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $378,000 | 6,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 5,680 |
| Cash dividends | $544,000 | 3,405 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $378,000 | 6,829 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,172,000 | 7,846 |
| Total interest expense | $175,000 | 8,396 |
| Net interest income | $997,000 | 7,584 |
| Provision for loan and lease losses | $30,000 | 5,981 |
| Total noninterest income | $174,000 | 6,938 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $171,000 | 4,982 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,783 |
| Total noninterest expense | $862,000 | 7,504 |
| Salaries and employee benefits | $486,000 | 7,411 |
| Premises and equipment expense | $112,000 | 7,308 |
| Additional noninterest expense | $264,000 | 7,383 |
| Pre-tax net operating income | $279,000 | 7,329 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $279,000 | 7,036 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $279,000 | 7,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,881 |
| Cash dividends | $269,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $279,000 | 6,970 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $768,000 | 7,931 |
| Total interest expense | $115,000 | 8,459 |
| Net interest income | $653,000 | 7,649 |
| Provision for loan and lease losses | $6,000 | 6,548 |
| Total noninterest income | $117,000 | 6,950 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $116,000 | 4,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,000 | 8,898 |
| Total noninterest expense | $561,000 | 7,600 |
| Salaries and employee benefits | $321,000 | 7,490 |
| Premises and equipment expense | $70,000 | 7,453 |
| Additional noninterest expense | $170,000 | 7,485 |
| Pre-tax net operating income | $203,000 | 7,166 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $203,000 | 6,872 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $203,000 | 6,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,407 |
| Cash dividends | $168,000 | 3,662 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $203,000 | 6,790 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $347,000 | 8,152 |
| Total interest expense | $59,000 | 8,502 |
| Net interest income | $288,000 | 7,917 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $63,000 | 6,769 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $57,000 | 4,910 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $6,000 | 8,203 |
| Total noninterest expense | $273,000 | 7,691 |
| Salaries and employee benefits | $159,000 | 7,560 |
| Premises and equipment expense | $34,000 | 7,562 |
| Additional noninterest expense | $80,000 | 7,636 |
| Pre-tax net operating income | $78,000 | 7,488 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $78,000 | 7,263 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $78,000 | 7,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,804 |
| Cash dividends | $70,000 | 3,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $78,000 | 7,179 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $1,589,000 | 7,978 |
| Total interest expense | $274,000 | 8,544 |
| Net interest income | $1,315,000 | 7,639 |
| Provision for loan and lease losses | $65,000 | 5,903 |
| Total noninterest income | $250,000 | 6,948 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $237,000 | 4,873 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $13,000 | 8,668 |
| Total noninterest expense | $1,155,000 | 7,568 |
| Salaries and employee benefits | $650,000 | 7,503 |
| Premises and equipment expense | $130,000 | 7,667 |
| Additional noninterest expense | $375,000 | 7,302 |
| Pre-tax net operating income | $345,000 | 7,250 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $19,000 | 6,818 |
| Income before extraordinary items | $326,000 | 7,158 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $326,000 | 7,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 4,954 |
| Cash dividends | $251,000 | 4,626 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $326,000 | 7,015 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,184,000 | 8,083 |
| Total interest expense | $209,000 | 8,629 |
| Net interest income | $975,000 | 7,718 |
| Provision for loan and lease losses | $65,000 | 5,417 |
| Total noninterest income | $185,000 | 7,030 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $176,000 | 4,927 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $9,000 | 8,738 |
| Total noninterest expense | $865,000 | 7,555 |
| Salaries and employee benefits | $481,000 | 7,481 |
| Premises and equipment expense | $97,000 | 7,691 |
| Additional noninterest expense | $287,000 | 7,256 |
| Pre-tax net operating income | $230,000 | 7,559 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $19,000 | 6,822 |
| Income before extraordinary items | $211,000 | 7,522 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $211,000 | 7,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,377 |
| Cash dividends | $150,000 | 4,365 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $211,000 | 7,364 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $788,000 | 8,157 |
| Total interest expense | $142,000 | 8,695 |
| Net interest income | $646,000 | 7,750 |
| Provision for loan and lease losses | $65,000 | 4,607 |
| Total noninterest income | $122,000 | 7,028 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $116,000 | 4,923 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $6,000 | 8,732 |
| Total noninterest expense | $574,000 | 7,581 |
| Salaries and employee benefits | $317,000 | 7,543 |
| Premises and equipment expense | $64,000 | 7,719 |
| Additional noninterest expense | $193,000 | 7,236 |
| Pre-tax net operating income | $129,000 | 7,777 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $18,000 | 6,667 |
| Income before extraordinary items | $111,000 | 7,837 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $111,000 | 7,838 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,844 |
| Cash dividends | $106,000 | 4,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $111,000 | 7,667 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $385,000 | 8,232 |
| Total interest expense | $71,000 | 8,769 |
| Net interest income | $314,000 | 7,834 |
| Provision for loan and lease losses | $5,000 | 6,526 |
| Total noninterest income | $59,000 | 7,051 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $56,000 | 4,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $3,000 | 8,754 |
| Total noninterest expense | $276,000 | 7,702 |
| Salaries and employee benefits | $152,000 | 7,681 |
| Premises and equipment expense | $30,000 | 7,859 |
| Additional noninterest expense | $94,000 | 7,306 |
| Pre-tax net operating income | $92,000 | 7,309 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $13,000 | 6,407 |
| Income before extraordinary items | $79,000 | 7,311 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $79,000 | 7,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $79,000 | 7,156 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $1,622,000 | 8,246 |
| Total interest expense | $397,000 | 8,671 |
| Net interest income | $1,225,000 | 7,887 |
| Provision for loan and lease losses | $2,000 | 8,051 |
| Total noninterest income | $213,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $202,000 | 5,168 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $11,000 | 8,861 |
| Total noninterest expense | $1,134,000 | 7,632 |
| Salaries and employee benefits | $601,000 | 7,705 |
| Premises and equipment expense | $152,000 | 7,415 |
| Additional noninterest expense | $381,000 | 7,283 |
| Pre-tax net operating income | $302,000 | 7,533 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $111,000 | 5,860 |
| Income before extraordinary items | $191,000 | 7,882 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $191,000 | 7,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 6,379 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $-84,000 | 9,247 |
| Net operating income | $191,000 | 7,777 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $1,913,000 | 8,307 |
| Total interest expense | $728,000 | 8,577 |
| Net interest income | $1,185,000 | 7,916 |
| Provision for loan and lease losses | $21,000 | 7,535 |
| Total noninterest income | $197,000 | 7,335 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $155,000 | 5,747 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $42,000 | 7,933 |
| Total noninterest expense | $1,084,000 | 7,738 |
| Salaries and employee benefits | $574,000 | 7,787 |
| Premises and equipment expense | $128,000 | 7,879 |
| Additional noninterest expense | $382,000 | 7,291 |
| Pre-tax net operating income | $277,000 | 7,522 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $74,000 | 6,348 |
| Income before extraordinary items | $203,000 | 7,711 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $203,000 | 7,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,017 |
| Cash dividends | $13,000 | 6,499 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $203,000 | 7,586 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $1,853,000 | 8,564 |
| Total interest expense | $709,000 | 8,847 |
| Net interest income | $1,144,000 | 8,202 |
| Provision for loan and lease losses | $34,000 | 7,119 |
| Total noninterest income | $90,000 | 8,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,259 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $-28,000 | 9,913 |
| Total noninterest expense | $998,000 | 8,027 |
| Salaries and employee benefits | $553,000 | 7,954 |
| Premises and equipment expense | $138,000 | 7,777 |
| Additional noninterest expense | $307,000 | 7,890 |
| Pre-tax net operating income | $202,000 | 8,360 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $60,000 | 7,071 |
| Income before extraordinary items | $142,000 | 8,466 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $142,000 | 8,464 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,205 |
| Cash dividends | $13,000 | 6,752 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $142,000 | 8,465 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $1,543,000 | 9,012 |
| Total interest expense | $548,000 | 9,333 |
| Net interest income | $995,000 | 8,644 |
| Provision for loan and lease losses | $23,000 | 7,570 |
| Total noninterest income | $124,000 | 8,471 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 6,387 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $6,000 | 9,914 |
| Total noninterest expense | $938,000 | 8,308 |
| Salaries and employee benefits | $511,000 | 8,284 |
| Premises and equipment expense | $138,000 | 7,876 |
| Additional noninterest expense | $289,000 | 8,207 |
| Pre-tax net operating income | $158,000 | 8,769 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $45,000 | 7,725 |
| Income before extraordinary items | $113,000 | 8,875 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $113,000 | 8,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,364 |
| Cash dividends | $11,000 | 7,032 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $113,000 | 8,839 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,545,000 | 9,230 |
| Total interest expense | $553,000 | 9,582 |
| Net interest income | $992,000 | 8,811 |
| Provision for loan and lease losses | $35,000 | 7,178 |
| Total noninterest income | $143,000 | 8,329 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 6,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,765 |
| Total noninterest expense | $878,000 | 8,500 |
| Salaries and employee benefits | $493,000 | 8,405 |
| Premises and equipment expense | $129,000 | 8,085 |
| Additional noninterest expense | $256,000 | 8,548 |
| Pre-tax net operating income | $222,000 | 8,811 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $66,000 | 8,056 |
| Income before extraordinary items | $156,000 | 8,939 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $156,000 | 8,937 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,871 |
| Cash dividends | $12,000 | 7,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $156,000 | 8,868 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,387,000 | 9,828 |
| Total interest expense | $516,000 | 10,060 |
| Net interest income | $871,000 | 9,490 |
| Provision for loan and lease losses | $24,000 | 7,686 |
| Total noninterest income | $156,000 | 8,480 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $126,000 | 6,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $30,000 | 9,328 |
| Total noninterest expense | $800,000 | 9,031 |
| Salaries and employee benefits | $445,000 | 8,970 |
| Premises and equipment expense | $113,000 | 8,659 |
| Additional noninterest expense | $242,000 | 8,940 |
| Pre-tax net operating income | $203,000 | 9,557 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $60,000 | 9,083 |
| Income before extraordinary items | $143,000 | 9,649 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $143,000 | 9,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 6,193 |
| Cash dividends | $13,000 | 7,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $143,000 | 9,601 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,154,000 | 10,586 |
| Total interest expense | $440,000 | 10,775 |
| Net interest income | $714,000 | 10,346 |
| Provision for loan and lease losses | $33,000 | 7,304 |
| Total noninterest income | $135,000 | 9,266 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $108,000 | 7,335 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,012 |
| Total noninterest expense | $770,000 | 9,549 |
| Salaries and employee benefits | $417,000 | 9,489 |
| Premises and equipment expense | $115,000 | 8,909 |
| Additional noninterest expense | $238,000 | 9,527 |
| Pre-tax net operating income | $46,000 | 10,620 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $7,000 | 10,417 |
| Income before extraordinary items | $39,000 | 10,635 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $39,000 | 10,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $13,000 | 8,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $39,000 | 10,585 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $914,000 | 11,410 |
| Total interest expense | $294,000 | 11,589 |
| Net interest income | $620,000 | 11,071 |
| Provision for loan and lease losses | $4,000 | 8,753 |
| Total noninterest income | $121,000 | 9,841 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $94,000 | 7,930 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $27,000 | 10,452 |
| Total noninterest expense | $585,000 | 10,637 |
| Salaries and employee benefits | $318,000 | 10,606 |
| Premises and equipment expense | $66,000 | 10,593 |
| Additional noninterest expense | $201,000 | 10,399 |
| Pre-tax net operating income | $152,000 | 10,762 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $54,000 | 10,109 |
| Income before extraordinary items | $98,000 | 10,948 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $98,000 | 10,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,036 |
| Cash dividends | $37,000 | 8,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $98,000 | 10,922 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $766,000 | 12,108 |
| Total interest expense | $224,000 | 12,276 |
| Net interest income | $542,000 | 11,879 |
| Provision for loan and lease losses | $2,000 | 9,032 |
| Total noninterest income | $126,000 | 10,184 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $88,000 | 8,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 10,284 |
| Total noninterest expense | $508,000 | 11,576 |
| Salaries and employee benefits | $270,000 | 11,476 |
| Premises and equipment expense | $49,000 | 11,666 |
| Additional noninterest expense | $189,000 | 11,292 |
| Pre-tax net operating income | $158,000 | 11,202 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $43,000 | 10,643 |
| Income before extraordinary items | $115,000 | 11,219 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $115,000 | 11,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $38,000 | 8,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $115,000 | 11,266 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $761,000 | 12,728 |
| Total interest expense | $244,000 | 12,855 |
| Net interest income | $517,000 | 12,504 |
| Provision for loan and lease losses | $5,000 | 10,098 |
| Total noninterest income | $131,000 | 10,604 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $85,000 | 8,849 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $46,000 | 10,323 |
| Total noninterest expense | $497,000 | 12,184 |
| Salaries and employee benefits | $246,000 | 12,225 |
| Premises and equipment expense | $62,000 | 11,775 |
| Additional noninterest expense | $189,000 | 11,881 |
| Pre-tax net operating income | $146,000 | 11,506 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $31,000 | 11,357 |
| Income before extraordinary items | $115,000 | 11,643 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $115,000 | 11,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 7,730 |
| Cash dividends | $188,000 | 5,619 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $115,000 | 11,445 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $841,000 | 13,288 |
| Total interest expense | $332,000 | 13,397 |
| Net interest income | $509,000 | 13,049 |
| Provision for loan and lease losses | $7,000 | 11,393 |
| Total noninterest income | $121,000 | 11,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $81,000 | 9,135 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $40,000 | 11,059 |
| Total noninterest expense | $464,000 | 12,832 |
| Salaries and employee benefits | $230,000 | 12,834 |
| Premises and equipment expense | $73,000 | 11,760 |
| Additional noninterest expense | $161,000 | 12,768 |
| Pre-tax net operating income | $159,000 | 11,436 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $47,000 | 11,335 |
| Income before extraordinary items | $112,000 | 11,781 |
| Extraordinary gains, net | $22,000 | 1,209 |
| Net income | $134,000 | 11,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 11,197 |
| Cash dividends | $13,000 | 8,641 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $112,000 | 11,464 |
* 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.