Home > First Coast Community Bank > Income and Expense
First Coast Community Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,130,000 | 2,538 |
| Total interest expense | $818,000 | 2,712 |
| Net interest income | $2,312,000 | 2,437 |
| Provision for loan and lease losses | $1,823,000 | 796 |
| Total noninterest income | $-494,000 | 7,881 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $187,000 | 1,985 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-681,000 | 7,888 |
| Total noninterest expense | $2,135,000 | 2,288 |
| Salaries and employee benefits | $803,000 | 3,010 |
| Premises and equipment expense | $226,000 | 2,810 |
| Additional noninterest expense | $1,106,000 | 1,591 |
| Pre-tax net operating income | $-2,140,000 | 7,615 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $2,898,000 | 183 |
| Income before extraordinary items | $-5,038,000 | 7,793 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-5,038,000 | 7,794 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-5,038,000 | 7,794 |
| Net charge-offs | $1,887,000 | 670 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $13,000 | 755 |
| Net operating income | $-5,038,000 | 7,783 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $14,211,000 | 2,357 |
| Total interest expense | $4,647,000 | 2,419 |
| Net interest income | $9,564,000 | 2,286 |
| Provision for loan and lease losses | $10,638,000 | 823 |
| Total noninterest income | $457,000 | 4,886 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $954,000 | 1,757 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-497,000 | 7,806 |
| Total noninterest expense | $7,800,000 | 2,523 |
| Salaries and employee benefits | $3,028,000 | 3,151 |
| Premises and equipment expense | $933,000 | 2,739 |
| Additional noninterest expense | $3,839,000 | 1,915 |
| Pre-tax net operating income | $-8,417,000 | 7,421 |
| Securities gains (losses) | $244,000 | 1,401 |
| Applicable income taxes | $-3,115,000 | 7,633 |
| Income before extraordinary items | $-5,058,000 | 7,270 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-5,058,000 | 7,270 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-5,058,000 | 7,270 |
| Net charge-offs | $8,384,000 | 785 |
| Cash dividends | $889,000 | 1,789 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 1,137 |
| Net operating income | $-5,214,160 | 7,302 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,953,000 | 2,318 |
| Total interest expense | $3,694,000 | 2,388 |
| Net interest income | $7,259,000 | 2,262 |
| Provision for loan and lease losses | $6,222,000 | 894 |
| Total noninterest income | $1,987,000 | 1,783 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $723,000 | 1,745 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,264,000 | 1,557 |
| Total noninterest expense | $5,643,000 | 2,623 |
| Salaries and employee benefits | $2,302,000 | 3,138 |
| Premises and equipment expense | $717,000 | 2,726 |
| Additional noninterest expense | $2,624,000 | 2,018 |
| Pre-tax net operating income | $-2,619,000 | 7,197 |
| Securities gains (losses) | $244,000 | 1,158 |
| Applicable income taxes | $-905,000 | 7,525 |
| Income before extraordinary items | $-1,470,000 | 6,990 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,470,000 | 6,990 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-1,470,000 | 6,991 |
| Net charge-offs | $5,677,000 | 743 |
| Cash dividends | $889,000 | 1,402 |
| Sale, conversion, retirement of capital stock, net | $25,000 | 1,057 |
| Net operating income | $-1,626,160 | 7,033 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,400,000 | 2,323 |
| Total interest expense | $2,564,000 | 2,393 |
| Net interest income | $4,836,000 | 2,252 |
| Provision for loan and lease losses | $2,083,000 | 1,363 |
| Total noninterest income | $1,545,000 | 1,615 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $468,000 | 1,771 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,077,000 | 1,361 |
| Total noninterest expense | $3,642,000 | 2,728 |
| Salaries and employee benefits | $1,613,000 | 3,059 |
| Premises and equipment expense | $474,000 | 2,773 |
| Additional noninterest expense | $1,555,000 | 2,264 |
| Pre-tax net operating income | $656,000 | 2,875 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $253,000 | 1,714 |
| Income before extraordinary items | $403,000 | 3,459 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $403,000 | 3,455 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $403,000 | 3,456 |
| Net charge-offs | $1,243,000 | 1,485 |
| Cash dividends | $889,000 | 1,037 |
| Sale, conversion, retirement of capital stock, net | $31,000 | 922 |
| Net operating income | $403,000 | 3,348 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,688,000 | 2,362 |
| Total interest expense | $1,310,000 | 2,426 |
| Net interest income | $2,378,000 | 2,298 |
| Provision for loan and lease losses | $734,000 | 1,426 |
| Total noninterest income | $397,000 | 2,512 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $235,000 | 1,715 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $162,000 | 2,846 |
| Total noninterest expense | $1,737,000 | 2,761 |
| Salaries and employee benefits | $833,000 | 2,999 |
| Premises and equipment expense | $235,000 | 2,825 |
| Additional noninterest expense | $669,000 | 2,324 |
| Pre-tax net operating income | $304,000 | 3,317 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $117,000 | 2,022 |
| Income before extraordinary items | $187,000 | 3,970 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $187,000 | 3,972 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $187,000 | 3,972 |
| Net charge-offs | $124,000 | 2,632 |
| Cash dividends | $480,000 | 930 |
| Sale, conversion, retirement of capital stock, net | $14,000 | 825 |
| Net operating income | $187,000 | 3,818 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,450,000 | 2,286 |
| Total interest expense | $6,097,000 | 2,484 |
| Net interest income | $10,353,000 | 2,147 |
| Provision for loan and lease losses | $2,011,000 | 1,780 |
| Total noninterest income | $2,365,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $914,000 | 1,896 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $1,451,000 | 1,633 |
| Total noninterest expense | $6,544,000 | 2,843 |
| Salaries and employee benefits | $3,335,000 | 2,958 |
| Premises and equipment expense | $851,000 | 3,022 |
| Additional noninterest expense | $2,358,000 | 2,465 |
| Pre-tax net operating income | $4,163,000 | 1,310 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $1,604,000 | 817 |
| Income before extraordinary items | $2,559,000 | 1,583 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,559,000 | 1,584 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $800,000 | 2,198 |
| Cash dividends | $1,631,000 | 1,605 |
| Sale, conversion, retirement of capital stock, net | $65,000 | 1,078 |
| Net operating income | $2,559,000 | 1,690 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,445,000 | 2,318 |
| Total interest expense | $4,621,000 | 2,549 |
| Net interest income | $7,824,000 | 2,147 |
| Provision for loan and lease losses | $987,000 | 1,843 |
| Total noninterest income | $1,833,000 | 1,895 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $667,000 | 1,945 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,166,000 | 1,636 |
| Total noninterest expense | $4,890,000 | 2,826 |
| Salaries and employee benefits | $2,524,000 | 2,955 |
| Premises and equipment expense | $635,000 | 3,043 |
| Additional noninterest expense | $1,731,000 | 2,446 |
| Pre-tax net operating income | $3,780,000 | 1,312 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,448,000 | 863 |
| Income before extraordinary items | $2,332,000 | 1,557 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $2,332,000 | 1,555 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $699,000 | 1,611 |
| Cash dividends | $1,424,000 | 1,379 |
| Sale, conversion, retirement of capital stock, net | $50,000 | 951 |
| Net operating income | $2,332,000 | 1,642 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,398,000 | 2,327 |
| Total interest expense | $3,132,000 | 2,605 |
| Net interest income | $5,266,000 | 2,109 |
| Provision for loan and lease losses | $708,000 | 1,516 |
| Total noninterest income | $1,280,000 | 1,840 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $449,000 | 1,907 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $831,000 | 1,597 |
| Total noninterest expense | $3,195,000 | 2,891 |
| Salaries and employee benefits | $1,677,000 | 2,993 |
| Premises and equipment expense | $416,000 | 3,107 |
| Additional noninterest expense | $1,102,000 | 2,520 |
| Pre-tax net operating income | $2,643,000 | 1,310 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,012,000 | 928 |
| Income before extraordinary items | $1,631,000 | 1,657 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,631,000 | 1,658 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $163,000 | 2,455 |
| Cash dividends | $209,000 | 3,377 |
| Sale, conversion, retirement of capital stock, net | $41,000 | 817 |
| Net operating income | $1,631,000 | 1,631 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,417,000 | 2,280 |
| Total interest expense | $1,701,000 | 2,577 |
| Net interest income | $2,716,000 | 2,051 |
| Provision for loan and lease losses | $-72,000 | 8,442 |
| Total noninterest income | $622,000 | 1,902 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $239,000 | 1,787 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $383,000 | 1,681 |
| Total noninterest expense | $1,610,000 | 2,873 |
| Salaries and employee benefits | $863,000 | 2,949 |
| Premises and equipment expense | $194,000 | 3,327 |
| Additional noninterest expense | $553,000 | 2,483 |
| Pre-tax net operating income | $1,800,000 | 1,057 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $689,000 | 799 |
| Income before extraordinary items | $1,111,000 | 1,360 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,111,000 | 1,363 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,318 |
| Cash dividends | $92,000 | 3,006 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 686 |
| Net operating income | $1,111,000 | 1,319 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $17,591,000 | 2,343 |
| Total interest expense | $7,595,000 | 2,439 |
| Net interest income | $9,996,000 | 2,248 |
| Provision for loan and lease losses | $-314,000 | 8,463 |
| Total noninterest income | $2,996,000 | 1,644 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,018,000 | 1,736 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,978,000 | 1,376 |
| Total noninterest expense | $6,342,000 | 2,817 |
| Salaries and employee benefits | $3,370,000 | 2,919 |
| Premises and equipment expense | $780,000 | 3,145 |
| Additional noninterest expense | $2,192,000 | 2,459 |
| Pre-tax net operating income | $6,964,000 | 1,224 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,673,000 | 890 |
| Income before extraordinary items | $4,291,000 | 1,489 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,291,000 | 1,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-280,000 | 8,470 |
| Cash dividends | $1,825,000 | 1,722 |
| Sale, conversion, retirement of capital stock, net | $81,000 | 980 |
| Net operating income | $4,291,000 | 1,471 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $13,013,000 | 2,378 |
| Total interest expense | $5,652,000 | 2,453 |
| Net interest income | $7,361,000 | 2,291 |
| Provision for loan and lease losses | $-432,000 | 8,515 |
| Total noninterest income | $2,390,000 | 1,576 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $747,000 | 1,750 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,643,000 | 1,302 |
| Total noninterest expense | $4,722,000 | 2,811 |
| Salaries and employee benefits | $2,533,000 | 2,888 |
| Premises and equipment expense | $591,000 | 3,103 |
| Additional noninterest expense | $1,598,000 | 2,474 |
| Pre-tax net operating income | $5,461,000 | 1,249 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $2,088,000 | 935 |
| Income before extraordinary items | $3,373,000 | 1,508 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $3,373,000 | 1,507 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-296,000 | 8,500 |
| Cash dividends | $1,345,000 | 1,640 |
| Sale, conversion, retirement of capital stock, net | $60,000 | 862 |
| Net operating income | $3,373,000 | 1,502 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $8,642,000 | 2,400 |
| Total interest expense | $3,689,000 | 2,501 |
| Net interest income | $4,953,000 | 2,301 |
| Provision for loan and lease losses | $-678,000 | 8,578 |
| Total noninterest income | $1,686,000 | 1,533 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $496,000 | 1,757 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,190,000 | 1,233 |
| Total noninterest expense | $3,191,000 | 2,801 |
| Salaries and employee benefits | $1,696,000 | 2,910 |
| Premises and equipment expense | $389,000 | 3,159 |
| Additional noninterest expense | $1,106,000 | 2,396 |
| Pre-tax net operating income | $4,126,000 | 1,151 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,579,000 | 878 |
| Income before extraordinary items | $2,547,000 | 1,388 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $2,547,000 | 1,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-341,000 | 8,558 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $46,000 | 760 |
| Net operating income | $2,547,000 | 1,368 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,302,000 | 2,409 |
| Total interest expense | $1,827,000 | 2,502 |
| Net interest income | $2,475,000 | 2,314 |
| Provision for loan and lease losses | $85,000 | 2,287 |
| Total noninterest income | $754,000 | 1,638 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $239,000 | 1,775 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $515,000 | 1,332 |
| Total noninterest expense | $1,541,000 | 2,908 |
| Salaries and employee benefits | $797,000 | 3,094 |
| Premises and equipment expense | $197,000 | 3,149 |
| Additional noninterest expense | $547,000 | 2,410 |
| Pre-tax net operating income | $1,603,000 | 1,451 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $613,000 | 1,098 |
| Income before extraordinary items | $990,000 | 1,730 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $990,000 | 1,730 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,538 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 624 |
| Net operating income | $990,000 | 1,719 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,284,000 | 2,515 |
| Total interest expense | $6,098,000 | 2,557 |
| Net interest income | $9,186,000 | 2,472 |
| Provision for loan and lease losses | $900,000 | 1,140 |
| Total noninterest income | $3,359,000 | 1,472 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,015,000 | 1,728 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,344,000 | 1,198 |
| Total noninterest expense | $5,689,000 | 3,005 |
| Salaries and employee benefits | $3,214,000 | 2,941 |
| Premises and equipment expense | $689,000 | 3,374 |
| Additional noninterest expense | $1,786,000 | 2,838 |
| Pre-tax net operating income | $5,956,000 | 1,616 |
| Securities gains (losses) | $-8,000 | 7,211 |
| Applicable income taxes | $2,278,000 | 1,200 |
| Income before extraordinary items | $3,670,000 | 1,930 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,670,000 | 1,931 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $616,000 | 996 |
| Cash dividends | $1,800,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $205,000 | 758 |
| Net operating income | $3,675,120 | 1,919 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,047,000 | 2,580 |
| Total interest expense | $4,192,000 | 2,668 |
| Net interest income | $6,855,000 | 2,502 |
| Provision for loan and lease losses | $340,000 | 1,939 |
| Total noninterest income | $2,579,000 | 1,461 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $762,000 | 1,735 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,817,000 | 1,180 |
| Total noninterest expense | $4,281,000 | 2,985 |
| Salaries and employee benefits | $2,404,000 | 2,945 |
| Premises and equipment expense | $513,000 | 3,404 |
| Additional noninterest expense | $1,364,000 | 2,776 |
| Pre-tax net operating income | $4,813,000 | 1,546 |
| Securities gains (losses) | $-9,000 | 7,556 |
| Applicable income taxes | $1,826,000 | 1,176 |
| Income before extraordinary items | $2,978,000 | 1,846 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,978,000 | 1,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,676 |
| Cash dividends | $1,370,000 | 1,563 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,983,760 | 1,820 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,969,000 | 2,658 |
| Total interest expense | $2,489,000 | 2,836 |
| Net interest income | $4,480,000 | 2,554 |
| Provision for loan and lease losses | $250,000 | 1,756 |
| Total noninterest income | $1,780,000 | 1,423 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $486,000 | 1,781 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,294,000 | 1,116 |
| Total noninterest expense | $2,866,000 | 3,000 |
| Salaries and employee benefits | $1,617,000 | 2,924 |
| Premises and equipment expense | $330,000 | 3,496 |
| Additional noninterest expense | $919,000 | 2,766 |
| Pre-tax net operating income | $3,144,000 | 1,585 |
| Securities gains (losses) | $-8,000 | 7,799 |
| Applicable income taxes | $1,192,000 | 1,206 |
| Income before extraordinary items | $1,944,000 | 1,879 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,944,000 | 1,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 1,095 |
| Cash dividends | $499,000 | 2,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,949,120 | 1,857 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,293,000 | 2,742 |
| Total interest expense | $1,123,000 | 2,967 |
| Net interest income | $2,170,000 | 2,605 |
| Provision for loan and lease losses | $115,000 | 1,817 |
| Total noninterest income | $827,000 | 1,472 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $240,000 | 1,756 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $587,000 | 1,190 |
| Total noninterest expense | $1,508,000 | 2,864 |
| Salaries and employee benefits | $842,000 | 2,842 |
| Premises and equipment expense | $168,000 | 3,457 |
| Additional noninterest expense | $498,000 | 2,540 |
| Pre-tax net operating income | $1,374,000 | 1,762 |
| Securities gains (losses) | $-8,000 | 8,193 |
| Applicable income taxes | $520,000 | 1,349 |
| Income before extraordinary items | $846,000 | 2,084 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $846,000 | 2,083 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 1,247 |
| Cash dividends | $499,000 | 1,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $851,120 | 2,057 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $11,690,000 | 2,766 |
| Total interest expense | $3,570,000 | 2,894 |
| Net interest income | $8,120,000 | 2,659 |
| Provision for loan and lease losses | $600,000 | 1,622 |
| Total noninterest income | $2,971,000 | 1,615 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $856,000 | 1,995 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,115,000 | 1,305 |
| Total noninterest expense | $5,224,000 | 3,123 |
| Salaries and employee benefits | $2,842,000 | 3,120 |
| Premises and equipment expense | $648,000 | 3,433 |
| Additional noninterest expense | $1,734,000 | 2,856 |
| Pre-tax net operating income | $5,267,000 | 1,778 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $1,999,000 | 1,364 |
| Income before extraordinary items | $3,264,000 | 2,096 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,264,000 | 2,096 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $360,000 | 1,530 |
| Cash dividends | $1,994,000 | 1,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,266,560 | 2,068 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $8,394,000 | 2,806 |
| Total interest expense | $2,455,000 | 2,968 |
| Net interest income | $5,939,000 | 2,709 |
| Provision for loan and lease losses | $425,000 | 1,625 |
| Total noninterest income | $2,321,000 | 1,561 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $618,000 | 2,049 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,703,000 | 1,233 |
| Total noninterest expense | $3,880,000 | 3,109 |
| Salaries and employee benefits | $2,079,000 | 3,160 |
| Premises and equipment expense | $477,000 | 3,478 |
| Additional noninterest expense | $1,324,000 | 2,780 |
| Pre-tax net operating income | $3,955,000 | 1,783 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $1,500,000 | 1,386 |
| Income before extraordinary items | $2,451,000 | 2,100 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,451,000 | 2,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 1,356 |
| Cash dividends | $1,391,000 | 1,425 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,453,560 | 2,062 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,438,000 | 2,827 |
| Total interest expense | $1,543,000 | 2,982 |
| Net interest income | $3,895,000 | 2,728 |
| Provision for loan and lease losses | $275,000 | 1,648 |
| Total noninterest income | $1,560,000 | 1,542 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $406,000 | 2,048 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,154,000 | 1,215 |
| Total noninterest expense | $2,525,000 | 3,158 |
| Salaries and employee benefits | $1,346,000 | 3,226 |
| Premises and equipment expense | $311,000 | 3,517 |
| Additional noninterest expense | $868,000 | 2,810 |
| Pre-tax net operating income | $2,655,000 | 1,745 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $1,007,000 | 1,370 |
| Income before extraordinary items | $1,644,000 | 2,055 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,644,000 | 2,054 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $187,000 | 1,257 |
| Cash dividends | $914,000 | 1,422 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,646,560 | 2,016 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,714,000 | 2,799 |
| Total interest expense | $763,000 | 2,913 |
| Net interest income | $1,951,000 | 2,708 |
| Provision for loan and lease losses | $150,000 | 1,379 |
| Total noninterest income | $728,000 | 1,597 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $209,000 | 1,935 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $519,000 | 1,300 |
| Total noninterest expense | $1,183,000 | 3,349 |
| Salaries and employee benefits | $654,000 | 3,305 |
| Premises and equipment expense | $155,000 | 3,563 |
| Additional noninterest expense | $374,000 | 3,193 |
| Pre-tax net operating income | $1,346,000 | 1,702 |
| Securities gains (losses) | $-4,000 | 8,340 |
| Applicable income taxes | $519,000 | 1,312 |
| Income before extraordinary items | $823,000 | 2,035 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $823,000 | 2,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 3,504 |
| Cash dividends | $374,000 | 1,527 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $825,560 | 2,005 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $8,731,000 | 3,177 |
| Total interest expense | $2,253,000 | 3,307 |
| Net interest income | $6,478,000 | 3,093 |
| Provision for loan and lease losses | $320,000 | 2,785 |
| Total noninterest income | $3,166,000 | 1,530 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $862,000 | 1,993 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,304,000 | 1,206 |
| Total noninterest expense | $4,789,000 | 3,247 |
| Salaries and employee benefits | $2,763,000 | 3,071 |
| Premises and equipment expense | $629,000 | 3,401 |
| Additional noninterest expense | $1,397,000 | 3,304 |
| Pre-tax net operating income | $4,535,000 | 1,849 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $1,757,000 | 1,422 |
| Income before extraordinary items | $2,778,000 | 2,215 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,778,000 | 2,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 5,319 |
| Cash dividends | $1,498,000 | 1,744 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,778,000 | 2,170 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,337,000 | 3,251 |
| Total interest expense | $1,637,000 | 3,351 |
| Net interest income | $4,700,000 | 3,160 |
| Provision for loan and lease losses | $120,000 | 3,974 |
| Total noninterest income | $2,279,000 | 1,599 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $630,000 | 2,064 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,649,000 | 1,228 |
| Total noninterest expense | $3,579,000 | 3,237 |
| Salaries and employee benefits | $2,071,000 | 3,039 |
| Premises and equipment expense | $473,000 | 3,411 |
| Additional noninterest expense | $1,035,000 | 3,325 |
| Pre-tax net operating income | $3,280,000 | 1,915 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,272,000 | 1,474 |
| Income before extraordinary items | $2,008,000 | 2,310 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,008,000 | 2,312 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 4,894 |
| Cash dividends | $1,100,000 | 1,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,008,000 | 2,259 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,132,000 | 3,305 |
| Total interest expense | $1,087,000 | 3,341 |
| Net interest income | $3,045,000 | 3,242 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $1,554,000 | 1,552 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $423,000 | 2,041 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,131,000 | 1,215 |
| Total noninterest expense | $2,379,000 | 3,240 |
| Salaries and employee benefits | $1,361,000 | 3,101 |
| Premises and equipment expense | $321,000 | 3,363 |
| Additional noninterest expense | $697,000 | 3,322 |
| Pre-tax net operating income | $2,130,000 | 1,933 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $828,000 | 1,489 |
| Income before extraordinary items | $1,302,000 | 2,346 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,302,000 | 2,346 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $704,000 | 1,696 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,302,000 | 2,278 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,056,000 | 3,320 |
| Total interest expense | $553,000 | 3,331 |
| Net interest income | $1,503,000 | 3,251 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $737,000 | 1,595 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $204,000 | 2,041 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $533,000 | 1,234 |
| Total noninterest expense | $1,180,000 | 3,270 |
| Salaries and employee benefits | $678,000 | 3,116 |
| Premises and equipment expense | $157,000 | 3,456 |
| Additional noninterest expense | $345,000 | 3,329 |
| Pre-tax net operating income | $1,000,000 | 2,004 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $387,000 | 1,602 |
| Income before extraordinary items | $613,000 | 2,446 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $613,000 | 2,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $307,000 | 1,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $613,000 | 2,364 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $8,409,000 | 3,293 |
| Total interest expense | $2,391,000 | 3,459 |
| Net interest income | $6,018,000 | 3,181 |
| Provision for loan and lease losses | $250,000 | 3,535 |
| Total noninterest income | $2,843,000 | 1,765 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $777,000 | 2,163 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,066,000 | 1,441 |
| Total noninterest expense | $4,691,000 | 3,224 |
| Salaries and employee benefits | $2,562,000 | 3,219 |
| Premises and equipment expense | $622,000 | 3,425 |
| Additional noninterest expense | $1,507,000 | 3,068 |
| Pre-tax net operating income | $3,920,000 | 2,011 |
| Securities gains (losses) | $29,000 | 2,952 |
| Applicable income taxes | $1,530,000 | 1,597 |
| Income before extraordinary items | $2,419,000 | 2,440 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,419,000 | 2,443 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $155,000 | 3,307 |
| Cash dividends | $1,232,000 | 2,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,400,440 | 2,348 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $6,422,000 | 3,280 |
| Total interest expense | $1,860,000 | 3,470 |
| Net interest income | $4,562,000 | 3,152 |
| Provision for loan and lease losses | $30,000 | 6,386 |
| Total noninterest income | $2,098,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $549,000 | 2,285 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,549,000 | 1,504 |
| Total noninterest expense | $3,441,000 | 3,289 |
| Salaries and employee benefits | $1,808,000 | 3,358 |
| Premises and equipment expense | $483,000 | 3,313 |
| Additional noninterest expense | $1,150,000 | 3,007 |
| Pre-tax net operating income | $3,189,000 | 1,947 |
| Securities gains (losses) | $29,000 | 2,717 |
| Applicable income taxes | $1,247,000 | 1,568 |
| Income before extraordinary items | $1,971,000 | 2,372 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,971,000 | 2,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $91,000 | 3,373 |
| Cash dividends | $854,000 | 1,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,952,440 | 2,273 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $4,437,000 | 3,208 |
| Total interest expense | $1,370,000 | 3,309 |
| Net interest income | $3,067,000 | 3,127 |
| Provision for loan and lease losses | $125,000 | 3,389 |
| Total noninterest income | $1,281,000 | 1,944 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $371,000 | 2,236 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $910,000 | 1,630 |
| Total noninterest expense | $2,328,000 | 3,246 |
| Salaries and employee benefits | $1,192,000 | 3,380 |
| Premises and equipment expense | $334,000 | 3,202 |
| Additional noninterest expense | $802,000 | 2,861 |
| Pre-tax net operating income | $1,895,000 | 2,140 |
| Securities gains (losses) | $29,000 | 2,379 |
| Applicable income taxes | $746,000 | 1,725 |
| Income before extraordinary items | $1,178,000 | 2,619 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,178,000 | 2,617 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,659 |
| Cash dividends | $477,000 | 2,231 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,159,440 | 2,506 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,329,000 | 3,099 |
| Total interest expense | $693,000 | 3,347 |
| Net interest income | $1,636,000 | 2,925 |
| Provision for loan and lease losses | $60,000 | 3,248 |
| Total noninterest income | $556,000 | 2,114 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $183,000 | 2,189 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $373,000 | 1,826 |
| Total noninterest expense | $1,144,000 | 3,288 |
| Salaries and employee benefits | $578,000 | 3,472 |
| Premises and equipment expense | $164,000 | 3,248 |
| Additional noninterest expense | $402,000 | 2,849 |
| Pre-tax net operating income | $988,000 | 2,070 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $382,000 | 1,690 |
| Income before extraordinary items | $606,000 | 2,523 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $606,000 | 2,519 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,268 |
| Cash dividends | $228,000 | 2,070 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $606,000 | 2,384 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $8,435,000 | 3,483 |
| Total interest expense | $3,092,000 | 3,461 |
| Net interest income | $5,343,000 | 3,466 |
| Provision for loan and lease losses | $420,000 | 2,722 |
| Total noninterest income | $2,540,000 | 1,777 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $746,000 | 2,129 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,794,000 | 1,431 |
| Total noninterest expense | $4,207,000 | 3,418 |
| Salaries and employee benefits | $2,425,000 | 3,190 |
| Premises and equipment expense | $388,000 | 4,753 |
| Additional noninterest expense | $1,394,000 | 3,143 |
| Pre-tax net operating income | $3,256,000 | 2,337 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,261,000 | 1,879 |
| Income before extraordinary items | $1,995,000 | 2,812 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,995,000 | 2,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $111,000 | 3,992 |
| Cash dividends | $881,000 | 2,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,995,000 | 2,728 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $9,000,000 | 3,648 |
| Total interest expense | $4,246,000 | 3,622 |
| Net interest income | $4,754,000 | 3,591 |
| Provision for loan and lease losses | $310,000 | 3,126 |
| Total noninterest income | $1,501,000 | 2,507 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $704,000 | 2,130 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $797,000 | 2,395 |
| Total noninterest expense | $3,086,000 | 4,238 |
| Salaries and employee benefits | $1,802,000 | 3,912 |
| Premises and equipment expense | $345,000 | 5,075 |
| Additional noninterest expense | $939,000 | 4,270 |
| Pre-tax net operating income | $2,859,000 | 2,378 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $1,096,000 | 1,946 |
| Income before extraordinary items | $1,763,000 | 2,850 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,763,000 | 2,853 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,388 |
| Cash dividends | $802,000 | 2,614 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,763,000 | 2,763 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $8,039,000 | 4,112 |
| Total interest expense | $3,577,000 | 4,321 |
| Net interest income | $4,462,000 | 3,825 |
| Provision for loan and lease losses | $250,000 | 3,225 |
| Total noninterest income | $1,144,000 | 2,864 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $704,000 | 1,959 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $440,000 | 3,158 |
| Total noninterest expense | $2,789,000 | 4,484 |
| Salaries and employee benefits | $1,594,000 | 4,159 |
| Premises and equipment expense | $353,000 | 4,905 |
| Additional noninterest expense | $842,000 | 4,564 |
| Pre-tax net operating income | $2,567,000 | 2,704 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $963,000 | 2,190 |
| Income before extraordinary items | $1,604,000 | 3,080 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,604,000 | 3,078 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $101,000 | 3,555 |
| Cash dividends | $628,000 | 3,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,604,000 | 3,077 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,399,000 | 4,741 |
| Total interest expense | $2,897,000 | 4,721 |
| Net interest income | $3,502,000 | 4,657 |
| Provision for loan and lease losses | $170,000 | 3,962 |
| Total noninterest income | $1,285,000 | 2,569 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $670,000 | 1,982 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $615,000 | 2,589 |
| Total noninterest expense | $2,639,000 | 4,671 |
| Salaries and employee benefits | $1,517,000 | 4,300 |
| Premises and equipment expense | $327,000 | 5,200 |
| Additional noninterest expense | $795,000 | 4,805 |
| Pre-tax net operating income | $1,978,000 | 3,368 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $722,000 | 2,847 |
| Income before extraordinary items | $1,256,000 | 3,723 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,256,000 | 3,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,834 |
| Cash dividends | $548,000 | 3,345 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,256,000 | 3,696 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,486,000 | 5,313 |
| Total interest expense | $2,350,000 | 5,601 |
| Net interest income | $3,136,000 | 4,984 |
| Provision for loan and lease losses | $120,000 | 4,610 |
| Total noninterest income | $954,000 | 3,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $623,000 | 2,057 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $331,000 | 3,807 |
| Total noninterest expense | $2,247,000 | 5,132 |
| Salaries and employee benefits | $1,418,000 | 4,455 |
| Premises and equipment expense | $286,000 | 5,529 |
| Additional noninterest expense | $543,000 | 6,145 |
| Pre-tax net operating income | $1,723,000 | 3,766 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $627,000 | 3,284 |
| Income before extraordinary items | $1,096,000 | 4,198 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,096,000 | 4,197 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,129 |
| Cash dividends | $499,000 | 3,573 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,096,000 | 4,109 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,654,000 | 6,083 |
| Total interest expense | $1,806,000 | 6,672 |
| Net interest income | $2,848,000 | 5,516 |
| Provision for loan and lease losses | $155,000 | 4,057 |
| Total noninterest income | $795,000 | 3,583 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $558,000 | 2,350 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $237,000 | 4,513 |
| Total noninterest expense | $2,037,000 | 5,590 |
| Salaries and employee benefits | $1,231,000 | 4,982 |
| Premises and equipment expense | $274,000 | 5,744 |
| Additional noninterest expense | $532,000 | 6,261 |
| Pre-tax net operating income | $1,451,000 | 4,614 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $526,000 | 4,064 |
| Income before extraordinary items | $927,000 | 4,954 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $927,000 | 4,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,811 |
| Cash dividends | $535,000 | 3,330 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $925,720 | 4,906 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,033,000 | 6,837 |
| Total interest expense | $1,625,000 | 7,269 |
| Net interest income | $2,408,000 | 6,373 |
| Provision for loan and lease losses | $20,000 | 7,945 |
| Total noninterest income | $743,000 | 3,905 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $495,000 | 2,747 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 4,559 |
| Total noninterest expense | $1,864,000 | 6,245 |
| Salaries and employee benefits | $1,127,000 | 5,491 |
| Premises and equipment expense | $326,000 | 5,271 |
| Additional noninterest expense | $411,000 | 7,786 |
| Pre-tax net operating income | $1,267,000 | 4,929 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $467,000 | 4,376 |
| Income before extraordinary items | $800,000 | 5,314 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $800,000 | 5,315 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 10,927 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 900 |
| Net operating income | $800,000 | 5,245 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,752,000 | 7,254 |
| Total interest expense | $1,582,000 | 7,471 |
| Net interest income | $2,170,000 | 6,933 |
| Provision for loan and lease losses | $48,000 | 6,309 |
| Total noninterest income | $664,000 | 4,258 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $377,000 | 3,544 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $287,000 | 4,109 |
| Total noninterest expense | $1,709,000 | 6,713 |
| Salaries and employee benefits | $1,014,000 | 5,994 |
| Premises and equipment expense | $238,000 | 6,542 |
| Additional noninterest expense | $457,000 | 7,639 |
| Pre-tax net operating income | $1,077,000 | 5,683 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $395,000 | 4,992 |
| Income before extraordinary items | $682,000 | 6,103 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $682,000 | 6,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-17,000 | 10,943 |
| Cash dividends | $329,000 | 4,315 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $682,000 | 6,073 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,944,000 | 8,147 |
| Total interest expense | $1,036,000 | 8,531 |
| Net interest income | $1,908,000 | 7,781 |
| Provision for loan and lease losses | $55,000 | 5,922 |
| Total noninterest income | $648,000 | 4,382 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $400,000 | 3,374 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $248,000 | 4,617 |
| Total noninterest expense | $1,476,000 | 7,668 |
| Salaries and employee benefits | $876,000 | 6,778 |
| Premises and equipment expense | $166,000 | 8,170 |
| Additional noninterest expense | $434,000 | 8,489 |
| Pre-tax net operating income | $1,025,000 | 5,850 |
| Securities gains (losses) | $13,000 | 2,050 |
| Applicable income taxes | $379,000 | 4,948 |
| Income before extraordinary items | $659,000 | 6,151 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $659,000 | 6,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $83,000 | 4,075 |
| Cash dividends | $725,000 | 2,453 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $650,680 | 6,290 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,554,000 | 9,087 |
| Total interest expense | $859,000 | 9,745 |
| Net interest income | $1,695,000 | 8,511 |
| Provision for loan and lease losses | $147,000 | 4,724 |
| Total noninterest income | $651,000 | 4,669 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,920 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $305,000 | 4,425 |
| Total noninterest expense | $1,328,000 | 8,416 |
| Salaries and employee benefits | $759,000 | 7,588 |
| Premises and equipment expense | $161,000 | 8,616 |
| Additional noninterest expense | $408,000 | 9,179 |
| Pre-tax net operating income | $871,000 | 6,470 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $305,000 | 6,010 |
| Income before extraordinary items | $566,000 | 7,036 |
| Extraordinary gains, net | $12,000 | 2,892 |
| Net income | $578,000 | 7,124 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 5,247 |
| Cash dividends | $338,000 | 4,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $566,000 | 6,775 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,604,000 | 9,718 |
| Total interest expense | $1,079,000 | 10,057 |
| Net interest income | $1,525,000 | 9,197 |
| Provision for loan and lease losses | $200,000 | 5,193 |
| Total noninterest income | $491,000 | 5,710 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $314,000 | 4,282 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $177,000 | 6,089 |
| Total noninterest expense | $1,177,000 | 9,149 |
| Salaries and employee benefits | $612,000 | 8,707 |
| Premises and equipment expense | $169,000 | 8,579 |
| Additional noninterest expense | $396,000 | 9,601 |
| Pre-tax net operating income | $639,000 | 7,457 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $216,000 | 7,261 |
| Income before extraordinary items | $423,000 | 7,984 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $423,000 | 8,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 5,342 |
| Cash dividends | $400,000 | 3,284 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $423,000 | 7,633 |
* 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.