Home > First Commerce Bank > Income and Expense
First Commerce Bank, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $11,051,000 | 2,085 |
| Total interest expense | $1,709,000 | 3,342 |
| Net interest income | $9,342,000 | 1,797 |
| Provision for loan and lease losses | $16,000 | 6,746 |
| Total noninterest income | $1,159,000 | 2,481 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $475,000 | 2,249 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $684,000 | 2,299 |
| Total noninterest expense | $7,300,000 | 1,987 |
| Salaries and employee benefits | $4,412,000 | 1,657 |
| Premises and equipment expense | $689,000 | 2,695 |
| Additional noninterest expense | $2,199,000 | 2,297 |
| Pre-tax net operating income | $3,185,000 | 1,240 |
| Securities gains (losses) | $12,000 | 3,059 |
| Applicable income taxes | $1,286,000 | 844 |
| Income before extraordinary items | $1,911,000 | 1,728 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,911,000 | 1,731 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,911,000 | 1,731 |
| Net charge-offs | $-205,000 | 7,733 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $45,000 | 842 |
| Net operating income | $1,903,320 | 1,643 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $7,311,000 | 2,131 |
| Total interest expense | $1,159,000 | 3,404 |
| Net interest income | $6,152,000 | 1,820 |
| Provision for loan and lease losses | $10,000 | 6,617 |
| Total noninterest income | $582,000 | 2,932 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $318,000 | 2,241 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $264,000 | 3,043 |
| Total noninterest expense | $5,039,000 | 1,951 |
| Salaries and employee benefits | $2,906,000 | 1,700 |
| Premises and equipment expense | $455,000 | 2,726 |
| Additional noninterest expense | $1,678,000 | 2,047 |
| Pre-tax net operating income | $1,685,000 | 1,539 |
| Securities gains (losses) | $12,000 | 2,543 |
| Applicable income taxes | $672,000 | 968 |
| Income before extraordinary items | $1,025,000 | 2,074 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $1,025,000 | 2,074 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $1,025,000 | 2,076 |
| Net charge-offs | $-37,000 | 7,664 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $33,000 | 763 |
| Net operating income | $1,017,320 | 2,005 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 2,186 |
| Total interest expense | $616,000 | 3,360 |
| Net interest income | $3,037,000 | 1,865 |
| Provision for loan and lease losses | $103,000 | 3,915 |
| Total noninterest income | $304,000 | 2,838 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $163,000 | 2,204 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $141,000 | 2,954 |
| Total noninterest expense | $2,462,000 | 1,999 |
| Salaries and employee benefits | $1,457,000 | 1,723 |
| Premises and equipment expense | $227,000 | 2,803 |
| Additional noninterest expense | $778,000 | 2,174 |
| Pre-tax net operating income | $776,000 | 1,668 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $305,000 | 1,035 |
| Income before extraordinary items | $471,000 | 2,244 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $471,000 | 2,243 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $471,000 | 2,244 |
| Net charge-offs | $34,000 | 4,045 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $15,000 | 730 |
| Net operating income | $471,000 | 2,154 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $15,275,000 | 2,197 |
| Total interest expense | $2,784,000 | 3,619 |
| Net interest income | $12,491,000 | 1,779 |
| Provision for loan and lease losses | $3,105,000 | 1,938 |
| Total noninterest income | $1,239,000 | 2,907 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $734,000 | 2,165 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $505,000 | 3,183 |
| Total noninterest expense | $8,968,000 | 2,217 |
| Salaries and employee benefits | $5,375,000 | 1,840 |
| Premises and equipment expense | $824,000 | 3,059 |
| Additional noninterest expense | $2,769,000 | 2,519 |
| Pre-tax net operating income | $1,657,000 | 2,217 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $629,000 | 1,341 |
| Income before extraordinary items | $1,028,000 | 2,720 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,028,000 | 2,719 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,028,000 | 2,720 |
| Net charge-offs | $2,438,000 | 1,821 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $111,000 | 864 |
| Net operating income | $1,028,000 | 2,672 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $11,376,000 | 2,236 |
| Total interest expense | $2,112,000 | 3,722 |
| Net interest income | $9,264,000 | 1,800 |
| Provision for loan and lease losses | $2,436,000 | 1,691 |
| Total noninterest income | $932,000 | 2,958 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $572,000 | 2,121 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $360,000 | 3,359 |
| Total noninterest expense | $6,546,000 | 2,270 |
| Salaries and employee benefits | $4,027,000 | 1,863 |
| Premises and equipment expense | $611,000 | 3,115 |
| Additional noninterest expense | $1,908,000 | 2,663 |
| Pre-tax net operating income | $1,214,000 | 2,419 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $458,000 | 1,492 |
| Income before extraordinary items | $756,000 | 2,982 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $756,000 | 2,980 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $756,000 | 2,983 |
| Net charge-offs | $1,875,000 | 1,562 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $82,000 | 806 |
| Net operating income | $756,000 | 2,903 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,458,000 | 2,301 |
| Total interest expense | $1,409,000 | 3,828 |
| Net interest income | $6,049,000 | 1,831 |
| Provision for loan and lease losses | $1,055,000 | 2,006 |
| Total noninterest income | $621,000 | 2,975 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $392,000 | 2,057 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $229,000 | 3,438 |
| Total noninterest expense | $4,518,000 | 2,225 |
| Salaries and employee benefits | $2,788,000 | 1,828 |
| Premises and equipment expense | $411,000 | 3,107 |
| Additional noninterest expense | $1,319,000 | 2,614 |
| Pre-tax net operating income | $1,097,000 | 1,963 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $425,000 | 1,216 |
| Income before extraordinary items | $672,000 | 2,577 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $672,000 | 2,574 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $672,000 | 2,576 |
| Net charge-offs | $643,000 | 2,069 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $54,000 | 782 |
| Net operating income | $672,000 | 2,498 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,653,000 | 2,382 |
| Total interest expense | $704,000 | 3,937 |
| Net interest income | $2,949,000 | 1,872 |
| Provision for loan and lease losses | $468,000 | 1,843 |
| Total noninterest income | $297,000 | 3,041 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $188,000 | 2,067 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $109,000 | 3,517 |
| Total noninterest expense | $2,217,000 | 2,209 |
| Salaries and employee benefits | $1,439,000 | 1,802 |
| Premises and equipment expense | $211,000 | 3,099 |
| Additional noninterest expense | $567,000 | 2,689 |
| Pre-tax net operating income | $561,000 | 2,176 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $215,000 | 1,374 |
| Income before extraordinary items | $346,000 | 2,843 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $346,000 | 2,842 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $346,000 | 2,844 |
| Net charge-offs | $207,000 | 2,101 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $26,000 | 685 |
| Net operating income | $346,000 | 2,708 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,153,000 | 2,313 |
| Total interest expense | $3,946,000 | 3,538 |
| Net interest income | $12,207,000 | 1,823 |
| Provision for loan and lease losses | $7,357,000 | 763 |
| Total noninterest income | $1,171,000 | 3,089 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $632,000 | 2,551 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $539,000 | 3,057 |
| Total noninterest expense | $8,258,000 | 2,314 |
| Salaries and employee benefits | $5,431,000 | 1,867 |
| Premises and equipment expense | $813,000 | 3,144 |
| Additional noninterest expense | $2,014,000 | 2,856 |
| Pre-tax net operating income | $-2,237,000 | 7,429 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,231,000 | 7,776 |
| Income before extraordinary items | $-1,006,000 | 6,999 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,006,000 | 7,002 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,061,000 | 987 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $171,000 | 813 |
| Net operating income | $-1,006,000 | 7,124 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $12,792,000 | 2,267 |
| Total interest expense | $3,098,000 | 3,549 |
| Net interest income | $9,694,000 | 1,731 |
| Provision for loan and lease losses | $989,000 | 1,839 |
| Total noninterest income | $872,000 | 3,170 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $465,000 | 2,598 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $407,000 | 3,152 |
| Total noninterest expense | $6,469,000 | 2,211 |
| Salaries and employee benefits | $4,374,000 | 1,773 |
| Premises and equipment expense | $599,000 | 3,201 |
| Additional noninterest expense | $1,496,000 | 2,781 |
| Pre-tax net operating income | $3,108,000 | 1,572 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $1,197,000 | 1,012 |
| Income before extraordinary items | $1,911,000 | 1,852 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,911,000 | 1,852 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 4,628 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $149,000 | 661 |
| Net operating income | $1,911,000 | 1,949 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,790,000 | 2,238 |
| Total interest expense | $2,218,000 | 3,479 |
| Net interest income | $6,572,000 | 1,704 |
| Provision for loan and lease losses | $374,000 | 2,249 |
| Total noninterest income | $614,000 | 3,093 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $316,000 | 2,534 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $298,000 | 3,026 |
| Total noninterest expense | $4,332,000 | 2,205 |
| Salaries and employee benefits | $2,896,000 | 1,802 |
| Premises and equipment expense | $393,000 | 3,257 |
| Additional noninterest expense | $1,043,000 | 2,650 |
| Pre-tax net operating income | $2,480,000 | 1,391 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $898,000 | 1,020 |
| Income before extraordinary items | $1,582,000 | 1,711 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,582,000 | 1,712 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 577 |
| Net operating income | $1,582,000 | 1,680 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,598,000 | 2,195 |
| Total interest expense | $1,293,000 | 3,262 |
| Net interest income | $3,305,000 | 1,685 |
| Provision for loan and lease losses | $321,000 | 1,316 |
| Total noninterest income | $337,000 | 2,892 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $161,000 | 2,467 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $176,000 | 2,766 |
| Total noninterest expense | $2,198,000 | 2,176 |
| Salaries and employee benefits | $1,468,000 | 1,795 |
| Premises and equipment expense | $195,000 | 3,309 |
| Additional noninterest expense | $535,000 | 2,561 |
| Pre-tax net operating income | $1,123,000 | 1,609 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $334,000 | 1,369 |
| Income before extraordinary items | $789,000 | 1,838 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $789,000 | 1,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,217 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $53,000 | 464 |
| Net operating income | $789,000 | 1,774 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $20,259,000 | 2,072 |
| Total interest expense | $6,714,000 | 2,727 |
| Net interest income | $13,545,000 | 1,669 |
| Provision for loan and lease losses | $731,000 | 1,791 |
| Total noninterest income | $1,035,000 | 3,471 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $374,000 | 3,653 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $661,000 | 2,846 |
| Total noninterest expense | $7,453,000 | 2,450 |
| Salaries and employee benefits | $4,970,000 | 2,023 |
| Premises and equipment expense | $721,000 | 3,369 |
| Additional noninterest expense | $1,762,000 | 2,990 |
| Pre-tax net operating income | $6,396,000 | 1,315 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $2,579,000 | 910 |
| Income before extraordinary items | $3,817,000 | 1,661 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,817,000 | 1,660 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,918 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $239,000 | 704 |
| Net operating income | $3,817,000 | 1,649 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $15,013,000 | 2,093 |
| Total interest expense | $4,994,000 | 2,744 |
| Net interest income | $10,019,000 | 1,695 |
| Provision for loan and lease losses | $643,000 | 1,285 |
| Total noninterest income | $782,000 | 3,444 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $277,000 | 3,675 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $505,000 | 2,820 |
| Total noninterest expense | $5,467,000 | 2,483 |
| Salaries and employee benefits | $3,617,000 | 2,090 |
| Premises and equipment expense | $529,000 | 3,400 |
| Additional noninterest expense | $1,321,000 | 2,937 |
| Pre-tax net operating income | $4,691,000 | 1,448 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,851,000 | 1,021 |
| Income before extraordinary items | $2,840,000 | 1,776 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,840,000 | 1,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,913 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $146,000 | 672 |
| Net operating income | $2,840,000 | 1,762 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,753,000 | 2,157 |
| Total interest expense | $3,156,000 | 2,878 |
| Net interest income | $6,597,000 | 1,739 |
| Provision for loan and lease losses | $392,000 | 1,258 |
| Total noninterest income | $538,000 | 3,408 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $187,000 | 3,648 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $351,000 | 2,761 |
| Total noninterest expense | $3,659,000 | 2,490 |
| Salaries and employee benefits | $2,394,000 | 2,141 |
| Premises and equipment expense | $353,000 | 3,421 |
| Additional noninterest expense | $912,000 | 2,846 |
| Pre-tax net operating income | $3,084,000 | 1,505 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $1,181,000 | 1,123 |
| Income before extraordinary items | $1,903,000 | 1,818 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,903,000 | 1,818 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 2,240 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $95,000 | 614 |
| Net operating income | $1,903,000 | 1,803 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,747,000 | 2,196 |
| Total interest expense | $1,504,000 | 2,983 |
| Net interest income | $3,243,000 | 1,772 |
| Provision for loan and lease losses | $201,000 | 1,151 |
| Total noninterest income | $263,000 | 3,402 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $96,000 | 3,535 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $167,000 | 2,832 |
| Total noninterest expense | $1,837,000 | 2,493 |
| Salaries and employee benefits | $1,178,000 | 2,180 |
| Premises and equipment expense | $171,000 | 3,526 |
| Additional noninterest expense | $488,000 | 2,674 |
| Pre-tax net operating income | $1,468,000 | 1,568 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $581,000 | 1,147 |
| Income before extraordinary items | $887,000 | 1,895 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $887,000 | 1,895 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,660 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $47,000 | 498 |
| Net operating income | $887,000 | 1,888 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $17,596,000 | 2,220 |
| Total interest expense | $5,020,000 | 3,018 |
| Net interest income | $12,576,000 | 1,831 |
| Provision for loan and lease losses | $551,000 | 1,745 |
| Total noninterest income | $982,000 | 3,589 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $403,000 | 3,520 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $579,000 | 3,084 |
| Total noninterest expense | $6,662,000 | 2,629 |
| Salaries and employee benefits | $4,212,000 | 2,337 |
| Premises and equipment expense | $676,000 | 3,422 |
| Additional noninterest expense | $1,774,000 | 2,854 |
| Pre-tax net operating income | $6,345,000 | 1,529 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $2,662,000 | 1,044 |
| Income before extraordinary items | $3,683,000 | 1,924 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,683,000 | 1,925 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,304 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 311 |
| Net operating income | $3,683,000 | 1,914 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $12,822,000 | 2,269 |
| Total interest expense | $3,588,000 | 3,052 |
| Net interest income | $9,234,000 | 1,898 |
| Provision for loan and lease losses | $484,000 | 1,428 |
| Total noninterest income | $660,000 | 3,832 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $308,000 | 3,507 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $352,000 | 3,427 |
| Total noninterest expense | $4,950,000 | 2,648 |
| Salaries and employee benefits | $3,115,000 | 2,365 |
| Premises and equipment expense | $506,000 | 3,436 |
| Additional noninterest expense | $1,329,000 | 2,848 |
| Pre-tax net operating income | $4,460,000 | 1,668 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,871,000 | 1,148 |
| Income before extraordinary items | $2,589,000 | 2,098 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,589,000 | 2,101 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-48,000 | 8,340 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 231 |
| Net operating income | $2,589,000 | 2,087 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $8,077,000 | 2,350 |
| Total interest expense | $2,169,000 | 3,178 |
| Net interest income | $5,908,000 | 1,980 |
| Provision for loan and lease losses | $284,000 | 1,593 |
| Total noninterest income | $417,000 | 3,959 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $213,000 | 3,408 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $204,000 | 3,708 |
| Total noninterest expense | $3,326,000 | 2,642 |
| Salaries and employee benefits | $2,087,000 | 2,357 |
| Premises and equipment expense | $338,000 | 3,421 |
| Additional noninterest expense | $901,000 | 2,811 |
| Pre-tax net operating income | $2,715,000 | 1,826 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,140,000 | 1,251 |
| Income before extraordinary items | $1,575,000 | 2,250 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,575,000 | 2,253 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-165,000 | 8,655 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $5,000,000 | 155 |
| Net operating income | $1,575,000 | 2,236 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,796,000 | 2,437 |
| Total interest expense | $990,000 | 3,279 |
| Net interest income | $2,806,000 | 2,072 |
| Provision for loan and lease losses | $12,000 | 5,109 |
| Total noninterest income | $215,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $112,000 | 3,228 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $103,000 | 3,651 |
| Total noninterest expense | $1,672,000 | 2,628 |
| Salaries and employee benefits | $1,081,000 | 2,279 |
| Premises and equipment expense | $171,000 | 3,403 |
| Additional noninterest expense | $420,000 | 2,987 |
| Pre-tax net operating income | $1,337,000 | 1,804 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $563,000 | 1,260 |
| Income before extraordinary items | $774,000 | 2,263 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $774,000 | 2,264 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-166,000 | 8,705 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $774,000 | 2,239 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $13,070,000 | 2,523 |
| Total interest expense | $2,927,000 | 3,401 |
| Net interest income | $10,143,000 | 2,185 |
| Provision for loan and lease losses | $234,000 | 3,327 |
| Total noninterest income | $1,011,000 | 3,535 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $463,000 | 3,220 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $548,000 | 3,219 |
| Total noninterest expense | $5,876,000 | 2,801 |
| Salaries and employee benefits | $3,626,000 | 2,523 |
| Premises and equipment expense | $614,000 | 3,589 |
| Additional noninterest expense | $1,636,000 | 3,024 |
| Pre-tax net operating income | $5,044,000 | 1,854 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $2,113,000 | 1,297 |
| Income before extraordinary items | $2,931,000 | 2,293 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,931,000 | 2,294 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $165,000 | 2,574 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,931,000 | 2,255 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $9,301,000 | 2,586 |
| Total interest expense | $1,986,000 | 3,529 |
| Net interest income | $7,315,000 | 2,243 |
| Provision for loan and lease losses | $132,000 | 3,735 |
| Total noninterest income | $738,000 | 3,610 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $328,000 | 3,354 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $410,000 | 3,236 |
| Total noninterest expense | $4,415,000 | 2,773 |
| Salaries and employee benefits | $2,616,000 | 2,564 |
| Premises and equipment expense | $453,000 | 3,638 |
| Additional noninterest expense | $1,346,000 | 2,738 |
| Pre-tax net operating income | $3,506,000 | 1,981 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,471,000 | 1,403 |
| Income before extraordinary items | $2,035,000 | 2,454 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,035,000 | 2,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,144 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,035,000 | 2,426 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $5,904,000 | 2,636 |
| Total interest expense | $1,171,000 | 3,686 |
| Net interest income | $4,733,000 | 2,293 |
| Provision for loan and lease losses | $82,000 | 3,712 |
| Total noninterest income | $504,000 | 3,496 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $214,000 | 3,348 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $290,000 | 3,128 |
| Total noninterest expense | $2,956,000 | 2,734 |
| Salaries and employee benefits | $1,780,000 | 2,505 |
| Premises and equipment expense | $303,000 | 3,595 |
| Additional noninterest expense | $873,000 | 2,798 |
| Pre-tax net operating income | $2,199,000 | 2,036 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $922,000 | 1,457 |
| Income before extraordinary items | $1,277,000 | 2,525 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,277,000 | 2,525 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,447 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,277,000 | 2,480 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $2,803,000 | 2,728 |
| Total interest expense | $525,000 | 3,897 |
| Net interest income | $2,278,000 | 2,360 |
| Provision for loan and lease losses | $54,000 | 3,086 |
| Total noninterest income | $282,000 | 3,197 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $108,000 | 3,268 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $174,000 | 2,715 |
| Total noninterest expense | $1,461,000 | 2,789 |
| Salaries and employee benefits | $921,000 | 2,444 |
| Premises and equipment expense | $146,000 | 3,725 |
| Additional noninterest expense | $394,000 | 3,059 |
| Pre-tax net operating income | $1,045,000 | 2,085 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $439,000 | 1,494 |
| Income before extraordinary items | $606,000 | 2,595 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $606,000 | 2,596 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,435 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $606,000 | 2,555 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $9,505,000 | 2,961 |
| Total interest expense | $1,538,000 | 4,447 |
| Net interest income | $7,967,000 | 2,557 |
| Provision for loan and lease losses | $296,000 | 2,970 |
| Total noninterest income | $863,000 | 3,865 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $485,000 | 3,215 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $378,000 | 3,810 |
| Total noninterest expense | $5,048,000 | 3,088 |
| Salaries and employee benefits | $2,931,000 | 2,896 |
| Premises and equipment expense | $590,000 | 3,579 |
| Additional noninterest expense | $1,527,000 | 3,082 |
| Pre-tax net operating income | $3,486,000 | 2,278 |
| Securities gains (losses) | $-25,000 | 8,437 |
| Applicable income taxes | $1,419,000 | 1,673 |
| Income before extraordinary items | $2,042,000 | 2,854 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,042,000 | 2,856 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,177 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 784 |
| Net operating income | $2,058,000 | 2,776 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $6,858,000 | 3,029 |
| Total interest expense | $1,055,000 | 4,646 |
| Net interest income | $5,803,000 | 2,590 |
| Provision for loan and lease losses | $250,000 | 2,570 |
| Total noninterest income | $650,000 | 3,888 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $385,000 | 3,100 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $265,000 | 3,959 |
| Total noninterest expense | $3,763,000 | 3,069 |
| Salaries and employee benefits | $2,143,000 | 2,947 |
| Premises and equipment expense | $436,000 | 3,634 |
| Additional noninterest expense | $1,184,000 | 2,976 |
| Pre-tax net operating income | $2,440,000 | 2,437 |
| Securities gains (losses) | $-25,000 | 8,698 |
| Applicable income taxes | $991,000 | 1,792 |
| Income before extraordinary items | $1,424,000 | 3,090 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,424,000 | 3,091 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 8,006 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 651 |
| Net operating income | $1,440,000 | 2,988 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $4,368,000 | 3,136 |
| Total interest expense | $642,000 | 4,902 |
| Net interest income | $3,726,000 | 2,666 |
| Provision for loan and lease losses | $167,000 | 2,541 |
| Total noninterest income | $450,000 | 3,818 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $264,000 | 3,007 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $186,000 | 3,893 |
| Total noninterest expense | $2,477,000 | 3,128 |
| Salaries and employee benefits | $1,413,000 | 2,990 |
| Premises and equipment expense | $288,000 | 3,668 |
| Additional noninterest expense | $776,000 | 3,017 |
| Pre-tax net operating income | $1,532,000 | 2,545 |
| Securities gains (losses) | $-16,000 | 8,765 |
| Applicable income taxes | $613,000 | 1,897 |
| Income before extraordinary items | $903,000 | 3,211 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $903,000 | 3,211 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $22,000 | 547 |
| Net operating income | $913,240 | 3,081 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,129,000 | 3,221 |
| Total interest expense | $316,000 | 5,012 |
| Net interest income | $1,813,000 | 2,734 |
| Provision for loan and lease losses | $66,000 | 2,819 |
| Total noninterest income | $229,000 | 3,720 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $125,000 | 3,064 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $104,000 | 3,624 |
| Total noninterest expense | $1,241,000 | 3,115 |
| Salaries and employee benefits | $691,000 | 3,058 |
| Premises and equipment expense | $137,000 | 3,844 |
| Additional noninterest expense | $413,000 | 2,821 |
| Pre-tax net operating income | $735,000 | 2,605 |
| Securities gains (losses) | $-13,000 | 8,936 |
| Applicable income taxes | $278,000 | 2,034 |
| Income before extraordinary items | $444,000 | 3,230 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $444,000 | 3,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $21,000 | 373 |
| Net operating income | $452,320 | 3,073 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,258,000 | 3,706 |
| Total interest expense | $1,209,000 | 5,550 |
| Net interest income | $6,049,000 | 3,161 |
| Provision for loan and lease losses | $170,000 | 4,359 |
| Total noninterest income | $796,000 | 4,240 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $396,000 | 3,668 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $400,000 | 3,977 |
| Total noninterest expense | $4,517,000 | 3,336 |
| Salaries and employee benefits | $2,504,000 | 3,264 |
| Premises and equipment expense | $589,000 | 3,577 |
| Additional noninterest expense | $1,424,000 | 3,232 |
| Pre-tax net operating income | $2,158,000 | 3,217 |
| Securities gains (losses) | $24,000 | 3,094 |
| Applicable income taxes | $886,000 | 2,347 |
| Income before extraordinary items | $1,296,000 | 3,931 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,296,000 | 3,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-111,000 | 9,057 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $73,000 | 693 |
| Net operating income | $1,280,640 | 3,794 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,271,000 | 3,864 |
| Total interest expense | $858,000 | 5,871 |
| Net interest income | $4,413,000 | 3,257 |
| Provision for loan and lease losses | $69,000 | 5,341 |
| Total noninterest income | $631,000 | 4,163 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $297,000 | 3,674 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $334,000 | 3,857 |
| Total noninterest expense | $3,429,000 | 3,300 |
| Salaries and employee benefits | $1,909,000 | 3,226 |
| Premises and equipment expense | $441,000 | 3,586 |
| Additional noninterest expense | $1,079,000 | 3,182 |
| Pre-tax net operating income | $1,546,000 | 3,457 |
| Securities gains (losses) | $24,000 | 2,852 |
| Applicable income taxes | $628,000 | 2,579 |
| Income before extraordinary items | $942,000 | 4,140 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $942,000 | 4,140 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-106,000 | 9,098 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 672 |
| Net operating income | $926,640 | 4,029 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,476,000 | 3,925 |
| Total interest expense | $583,000 | 5,939 |
| Net interest income | $2,893,000 | 3,300 |
| Provision for loan and lease losses | $7,000 | 6,972 |
| Total noninterest income | $377,000 | 4,394 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $201,000 | 3,607 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $176,000 | 4,274 |
| Total noninterest expense | $2,348,000 | 3,222 |
| Salaries and employee benefits | $1,288,000 | 3,182 |
| Premises and equipment expense | $297,000 | 3,520 |
| Additional noninterest expense | $763,000 | 2,994 |
| Pre-tax net operating income | $915,000 | 3,716 |
| Securities gains (losses) | $24,000 | 2,506 |
| Applicable income taxes | $363,000 | 2,890 |
| Income before extraordinary items | $576,000 | 4,405 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $576,000 | 4,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-100,000 | 9,124 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $7,000 | 543 |
| Net operating income | $560,640 | 4,277 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,698,000 | 4,024 |
| Total interest expense | $293,000 | 6,005 |
| Net interest income | $1,405,000 | 3,357 |
| Provision for loan and lease losses | $-52,000 | 9,235 |
| Total noninterest income | $158,000 | 4,761 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $102,000 | 3,492 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $56,000 | 5,056 |
| Total noninterest expense | $1,211,000 | 3,113 |
| Salaries and employee benefits | $659,000 | 3,110 |
| Premises and equipment expense | $146,000 | 3,559 |
| Additional noninterest expense | $406,000 | 2,819 |
| Pre-tax net operating income | $404,000 | 4,009 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $138,000 | 3,370 |
| Income before extraordinary items | $266,000 | 4,566 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $266,000 | 4,566 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-98,000 | 9,206 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 378 |
| Net operating income | $266,000 | 4,354 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,998,000 | 4,558 |
| Total interest expense | $1,131,000 | 6,591 |
| Net interest income | $4,867,000 | 3,745 |
| Provision for loan and lease losses | $118,000 | 5,458 |
| Total noninterest income | $607,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $389,000 | 3,598 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $218,000 | 4,842 |
| Total noninterest expense | $4,233,000 | 3,400 |
| Salaries and employee benefits | $2,147,000 | 3,524 |
| Premises and equipment expense | $579,000 | 3,515 |
| Additional noninterest expense | $1,507,000 | 2,951 |
| Pre-tax net operating income | $1,123,000 | 4,892 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $-459,000 | 9,235 |
| Income before extraordinary items | $1,582,000 | 3,365 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,582,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $154,000 | 3,463 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $897,000 | 401 |
| Net operating income | $1,582,000 | 3,261 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,870,000 | 5,042 |
| Total interest expense | $1,517,000 | 6,940 |
| Net interest income | $4,353,000 | 3,863 |
| Provision for loan and lease losses | $418,000 | 2,538 |
| Total noninterest income | $436,000 | 5,459 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $293,000 | 4,212 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $143,000 | 5,633 |
| Total noninterest expense | $3,517,000 | 3,808 |
| Salaries and employee benefits | $1,939,000 | 3,682 |
| Premises and equipment expense | $498,000 | 3,877 |
| Additional noninterest expense | $1,080,000 | 3,813 |
| Pre-tax net operating income | $854,000 | 5,324 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $-346,000 | 9,447 |
| Income before extraordinary items | $1,200,000 | 3,812 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,200,000 | 3,814 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,311 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 905 |
| Net operating income | $1,200,000 | 3,685 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,214,000 | 5,592 |
| Total interest expense | $1,516,000 | 7,128 |
| Net interest income | $3,698,000 | 4,440 |
| Provision for loan and lease losses | $88,000 | 5,585 |
| Total noninterest income | $328,000 | 6,071 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $218,000 | 4,890 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $110,000 | 6,206 |
| Total noninterest expense | $3,127,000 | 4,087 |
| Salaries and employee benefits | $1,687,000 | 3,976 |
| Premises and equipment expense | $448,000 | 4,149 |
| Additional noninterest expense | $992,000 | 4,025 |
| Pre-tax net operating income | $811,000 | 5,834 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $-331,000 | 9,752 |
| Income before extraordinary items | $1,142,000 | 3,998 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,142,000 | 4,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $134,000 | 3,067 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,142,000 | 3,987 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,193,000 | 6,198 |
| Total interest expense | $1,573,000 | 6,785 |
| Net interest income | $2,620,000 | 5,646 |
| Provision for loan and lease losses | $645,000 | 1,413 |
| Total noninterest income | $931,000 | 3,262 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $310,000 | 3,890 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $621,000 | 2,578 |
| Total noninterest expense | $3,329,000 | 3,872 |
| Salaries and employee benefits | $1,513,000 | 4,308 |
| Premises and equipment expense | $580,000 | 3,365 |
| Additional noninterest expense | $1,236,000 | 3,340 |
| Pre-tax net operating income | $-423,000 | 9,799 |
| Securities gains (losses) | $-2,000 | 8,771 |
| Applicable income taxes | $1,000 | 8,717 |
| Income before extraordinary items | $-426,000 | 9,861 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-426,000 | 9,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $863,000 | 787 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $4,395,000 | 284 |
| Net operating income | $-424,000 | 9,838 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $4,883,000 | 5,773 |
| Total interest expense | $2,396,000 | 5,524 |
| Net interest income | $2,487,000 | 5,875 |
| Provision for loan and lease losses | $835,000 | 1,140 |
| Total noninterest income | $511,000 | 4,869 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $237,000 | 4,668 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $274,000 | 4,216 |
| Total noninterest expense | $3,854,000 | 3,328 |
| Salaries and employee benefits | $1,795,000 | 3,677 |
| Premises and equipment expense | $571,000 | 3,319 |
| Additional noninterest expense | $1,488,000 | 2,805 |
| Pre-tax net operating income | $-1,691,000 | 10,405 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $221,000 | 5,943 |
| Income before extraordinary items | $-1,912,000 | 10,419 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $-1,912,000 | 10,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $680,000 | 994 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $1,235,000 | 444 |
| Net operating income | $-1,912,000 | 10,403 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,750,000 | 5,223 |
| Total interest expense | $3,172,000 | 4,481 |
| Net interest income | $2,578,000 | 5,929 |
| Provision for loan and lease losses | $1,133,000 | 893 |
| Total noninterest income | $417,000 | 5,594 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $173,000 | 5,777 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $244,000 | 4,439 |
| Total noninterest expense | $3,496,000 | 3,613 |
| Salaries and employee benefits | $1,550,000 | 4,138 |
| Premises and equipment expense | $509,000 | 3,645 |
| Additional noninterest expense | $1,437,000 | 2,845 |
| Pre-tax net operating income | $-1,634,000 | 10,885 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $8,000 | 9,918 |
| Income before extraordinary items | $-1,642,000 | 10,880 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,642,000 | 10,880 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,342,000 | 652 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $276,000 | 624 |
| Net operating income | $-1,642,000 | 10,871 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,323,000 | 4,984 |
| Total interest expense | $3,884,000 | 3,821 |
| Net interest income | $2,439,000 | 6,303 |
| Provision for loan and lease losses | $988,000 | 1,041 |
| Total noninterest income | $437,000 | 5,651 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $163,000 | 6,227 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $274,000 | 4,293 |
| Total noninterest expense | $3,334,000 | 3,963 |
| Salaries and employee benefits | $1,458,000 | 4,425 |
| Premises and equipment expense | $488,000 | 3,850 |
| Additional noninterest expense | $1,388,000 | 3,333 |
| Pre-tax net operating income | $-1,446,000 | 11,383 |
| Securities gains (losses) | $3,000 | 3,304 |
| Applicable income taxes | $-13,000 | 10,959 |
| Income before extraordinary items | $-1,430,000 | 11,394 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-1,430,000 | 11,394 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $570,000 | 1,290 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $2,581,000 | 254 |
| Net operating income | $-1,432,970 | 11,379 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,483,000 | 7,582 |
| Total interest expense | $2,330,000 | 5,842 |
| Net interest income | $1,153,000 | 9,473 |
| Provision for loan and lease losses | $125,000 | 4,002 |
| Total noninterest income | $240,000 | 7,832 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $39,000 | 9,556 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $201,000 | 5,124 |
| Total noninterest expense | $1,928,000 | 6,158 |
| Salaries and employee benefits | $770,000 | 7,265 |
| Premises and equipment expense | $268,000 | 6,085 |
| Additional noninterest expense | $890,000 | 4,807 |
| Pre-tax net operating income | $-660,000 | 11,829 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $-660,000 | 11,825 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $-660,000 | 11,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $675,000 | 1,141 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 124 |
| Net operating income | $-660,000 | 11,815 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,530,000 | 4,504 |
| Total interest expense | $4,058,000 | 3,000 |
| Net interest income | $2,472,000 | 6,535 |
| Provision for loan and lease losses | $307,000 | 2,204 |
| Total noninterest income | $460,000 | 5,595 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $91,000 | 8,334 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $369,000 | 3,583 |
| Total noninterest expense | $5,458,000 | 2,552 |
| Salaries and employee benefits | $2,153,000 | 3,074 |
| Premises and equipment expense | $602,000 | 3,259 |
| Additional noninterest expense | $2,703,000 | 2,005 |
| Pre-tax net operating income | $-2,833,000 | 12,550 |
| Securities gains (losses) | $-156,000 | 11,818 |
| Applicable income taxes | $-339,000 | 12,447 |
| Income before extraordinary items | $-2,650,000 | 12,514 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-2,650,000 | 12,510 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $928,000 | 910 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $767,000 | 469 |
| Net operating income | $-2,511,160 | 12,512 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $6,526,000 | 4,596 |
| Total interest expense | $4,301,000 | 2,964 |
| Net interest income | $2,225,000 | 7,111 |
| Provision for loan and lease losses | $2,231,000 | 751 |
| Total noninterest income | $2,593,000 | 1,630 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $123,000 | 7,765 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $2,470,000 | 1,096 |
| Total noninterest expense | $7,480,000 | 1,971 |
| Salaries and employee benefits | $3,458,000 | 1,928 |
| Premises and equipment expense | $770,000 | 2,650 |
| Additional noninterest expense | $3,252,000 | 1,786 |
| Pre-tax net operating income | $-4,893,000 | 13,174 |
| Securities gains (losses) | $37,000 | 3,837 |
| Applicable income taxes | $-1,362,000 | 13,200 |
| Income before extraordinary items | $-3,494,000 | 13,139 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-3,494,000 | 13,142 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,776,000 | 592 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $-3,520,640 | 13,120 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $9,441,000 | 3,699 |
| Total interest expense | $6,162,000 | 2,709 |
| Net interest income | $3,279,000 | 5,297 |
| Provision for loan and lease losses | $1,572,000 | 1,363 |
| Total noninterest income | $1,147,000 | 2,965 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $130,000 | 7,688 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,017,000 | 1,972 |
| Total noninterest expense | $6,761,000 | 2,179 |
| Salaries and employee benefits | $2,179,000 | 2,960 |
| Premises and equipment expense | $660,000 | 3,083 |
| Additional noninterest expense | $3,922,000 | 1,614 |
| Pre-tax net operating income | $-3,907,000 | 13,754 |
| Securities gains (losses) | $-31,000 | 13,587 |
| Applicable income taxes | $-1,625,000 | 13,863 |
| Income before extraordinary items | $-2,313,000 | 13,706 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $-2,313,000 | 13,702 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,672,000 | 1,104 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $-2,293,160 | 13,655 |
* 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.