Home > First Community Bank Central Texas > Income and Expense
First Community Bank Central Texas, Income and Expense
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $8,713,000 | 3,888 |
| Total interest expense | $4,440,000 | 3,254 |
| Net interest income | $4,273,000 | 4,374 |
| Provision for loan and lease losses | $1,580,000 | 2,094 |
| Total noninterest income | $782,000 | 3,923 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $613,000 | 2,613 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $169,000 | 5,122 |
| Total noninterest expense | $7,852,000 | 2,410 |
| Salaries and employee benefits | $2,674,000 | 3,580 |
| Premises and equipment expense | $2,375,000 | 1,163 |
| Additional noninterest expense | $2,803,000 | 2,134 |
| Pre-tax net operating income | $-4,377,000 | 7,751 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $28,000 | 4,142 |
| Income before extraordinary items | $-4,405,000 | 7,770 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-4,405,000 | 7,769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 2,579 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-4,405,000 | 7,828 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $6,323,000 | 4,051 |
| Total interest expense | $3,197,000 | 3,461 |
| Net interest income | $3,126,000 | 4,497 |
| Provision for loan and lease losses | $1,095,000 | 1,734 |
| Total noninterest income | $598,000 | 3,965 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $451,000 | 2,661 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $147,000 | 4,986 |
| Total noninterest expense | $5,595,000 | 2,531 |
| Salaries and employee benefits | $1,784,000 | 3,952 |
| Premises and equipment expense | $1,654,000 | 1,245 |
| Additional noninterest expense | $2,157,000 | 2,019 |
| Pre-tax net operating income | $-2,966,000 | 8,016 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $-2,000 | 7,251 |
| Income before extraordinary items | $-2,964,000 | 8,008 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,964,000 | 8,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $417,000 | 2,171 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-2,964,000 | 8,069 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $4,087,000 | 4,183 |
| Total interest expense | $2,041,000 | 3,692 |
| Net interest income | $2,046,000 | 4,542 |
| Provision for loan and lease losses | $650,000 | 1,606 |
| Total noninterest income | $438,000 | 3,816 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $303,000 | 2,624 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $135,000 | 4,487 |
| Total noninterest expense | $3,457,000 | 2,709 |
| Salaries and employee benefits | $1,109,000 | 4,186 |
| Premises and equipment expense | $974,000 | 1,421 |
| Additional noninterest expense | $1,374,000 | 2,071 |
| Pre-tax net operating income | $-1,623,000 | 8,108 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $-1,623,000 | 8,170 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-1,623,000 | 8,170 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $277,000 | 1,875 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $-1,623,000 | 8,162 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $2,140,000 | 4,137 |
| Total interest expense | $1,010,000 | 3,891 |
| Net interest income | $1,130,000 | 4,257 |
| Provision for loan and lease losses | $306,000 | 1,354 |
| Total noninterest income | $172,000 | 4,289 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $146,000 | 2,687 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $26,000 | 6,106 |
| Total noninterest expense | $1,879,000 | 2,514 |
| Salaries and employee benefits | $778,000 | 3,238 |
| Premises and equipment expense | $440,000 | 1,592 |
| Additional noninterest expense | $661,000 | 2,118 |
| Pre-tax net operating income | $-883,000 | 8,249 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $8,000 | 4,911 |
| Income before extraordinary items | $-891,000 | 8,286 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-891,000 | 8,286 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 1,582 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $-891,000 | 8,273 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $7,004,000 | 4,730 |
| Total interest expense | $3,308,000 | 4,498 |
| Net interest income | $3,696,000 | 4,854 |
| Provision for loan and lease losses | $518,000 | 2,282 |
| Total noninterest income | $598,000 | 4,654 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $532,000 | 2,910 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $66,000 | 6,774 |
| Total noninterest expense | $4,633,000 | 3,673 |
| Salaries and employee benefits | $1,547,000 | 5,215 |
| Premises and equipment expense | $984,000 | 2,611 |
| Additional noninterest expense | $2,102,000 | 2,543 |
| Pre-tax net operating income | $-857,000 | 7,989 |
| Securities gains (losses) | $-5,000 | 7,390 |
| Applicable income taxes | $-22,000 | 7,852 |
| Income before extraordinary items | $-840,000 | 8,051 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-840,000 | 8,048 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $220,000 | 2,720 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $-835,150 | 8,042 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $5,115,000 | 4,817 |
| Total interest expense | $2,394,000 | 4,619 |
| Net interest income | $2,721,000 | 4,939 |
| Provision for loan and lease losses | $307,000 | 2,278 |
| Total noninterest income | $439,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $385,000 | 2,991 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $54,000 | 6,695 |
| Total noninterest expense | $3,778,000 | 3,400 |
| Salaries and employee benefits | $1,671,000 | 4,032 |
| Premises and equipment expense | $633,000 | 2,941 |
| Additional noninterest expense | $1,474,000 | 2,654 |
| Pre-tax net operating income | $-925,000 | 8,270 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $-22,000 | 8,084 |
| Income before extraordinary items | $-903,000 | 8,307 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $-903,000 | 8,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 2,113 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $-903,000 | 8,297 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,206,000 | 5,037 |
| Total interest expense | $1,417,000 | 4,960 |
| Net interest income | $1,789,000 | 5,017 |
| Provision for loan and lease losses | $231,000 | 1,953 |
| Total noninterest income | $306,000 | 4,616 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $256,000 | 2,980 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $50,000 | 6,275 |
| Total noninterest expense | $2,188,000 | 3,852 |
| Salaries and employee benefits | $952,000 | 4,569 |
| Premises and equipment expense | $369,000 | 3,297 |
| Additional noninterest expense | $867,000 | 2,977 |
| Pre-tax net operating income | $-324,000 | 8,174 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $-22,000 | 8,210 |
| Income before extraordinary items | $-302,000 | 8,204 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-302,000 | 8,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,354 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $-302,000 | 8,193 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,538,000 | 5,163 |
| Total interest expense | $650,000 | 5,165 |
| Net interest income | $888,000 | 5,042 |
| Provision for loan and lease losses | $25,000 | 4,116 |
| Total noninterest income | $136,000 | 4,852 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $122,000 | 3,030 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $1,170,000 | 3,640 |
| Salaries and employee benefits | $539,000 | 4,200 |
| Premises and equipment expense | $188,000 | 3,268 |
| Additional noninterest expense | $443,000 | 2,905 |
| Pre-tax net operating income | $-171,000 | 8,265 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $-22,000 | 8,316 |
| Income before extraordinary items | $-149,000 | 8,260 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-149,000 | 8,259 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $97,000 | 1,207 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $-149,000 | 8,250 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,003,000 | 5,559 |
| Total interest expense | $1,721,000 | 5,799 |
| Net interest income | $3,282,000 | 5,258 |
| Provision for loan and lease losses | $462,000 | 2,033 |
| Total noninterest income | $524,000 | 5,029 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $498,000 | 3,068 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,799 |
| Total noninterest expense | $3,272,000 | 4,605 |
| Salaries and employee benefits | $1,353,000 | 5,515 |
| Premises and equipment expense | $396,000 | 4,944 |
| Additional noninterest expense | $1,523,000 | 3,258 |
| Pre-tax net operating income | $72,000 | 7,789 |
| Securities gains (losses) | $40,000 | 728 |
| Applicable income taxes | $25,000 | 5,836 |
| Income before extraordinary items | $87,000 | 7,718 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $87,000 | 7,720 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $440,000 | 1,277 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $55,800 | 7,826 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,612,000 | 5,663 |
| Total interest expense | $1,127,000 | 6,053 |
| Net interest income | $2,485,000 | 5,282 |
| Provision for loan and lease losses | $241,000 | 2,505 |
| Total noninterest income | $388,000 | 5,084 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $365,000 | 3,133 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,743 |
| Total noninterest expense | $2,325,000 | 4,763 |
| Salaries and employee benefits | $1,048,000 | 5,403 |
| Premises and equipment expense | $260,000 | 5,352 |
| Additional noninterest expense | $1,017,000 | 3,566 |
| Pre-tax net operating income | $307,000 | 6,972 |
| Securities gains (losses) | $-14,000 | 7,714 |
| Applicable income taxes | $101,000 | 4,920 |
| Income before extraordinary items | $192,000 | 7,263 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $192,000 | 7,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $280,000 | 1,209 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $201,240 | 7,214 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,324,000 | 5,724 |
| Total interest expense | $671,000 | 6,224 |
| Net interest income | $1,653,000 | 5,310 |
| Provision for loan and lease losses | $191,000 | 2,189 |
| Total noninterest income | $269,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $239,000 | 3,163 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $30,000 | 7,109 |
| Total noninterest expense | $1,272,000 | 5,419 |
| Salaries and employee benefits | $634,000 | 5,730 |
| Premises and equipment expense | $123,000 | 6,290 |
| Additional noninterest expense | $515,000 | 4,388 |
| Pre-tax net operating income | $459,000 | 5,599 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $127,000 | 4,236 |
| Income before extraordinary items | $332,000 | 5,800 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $332,000 | 5,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $174,000 | 1,207 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $332,000 | 5,794 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,091,000 | 5,863 |
| Total interest expense | $273,000 | 6,616 |
| Net interest income | $818,000 | 5,336 |
| Provision for loan and lease losses | $61,000 | 2,778 |
| Total noninterest income | $126,000 | 5,087 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $101,000 | 3,453 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $25,000 | 6,361 |
| Total noninterest expense | $504,000 | 6,161 |
| Salaries and employee benefits | $229,000 | 6,668 |
| Premises and equipment expense | $59,000 | 6,404 |
| Additional noninterest expense | $216,000 | 4,940 |
| Pre-tax net operating income | $379,000 | 4,395 |
| Securities gains (losses) | $-2,000 | 7,972 |
| Applicable income taxes | $94,000 | 3,673 |
| Income before extraordinary items | $283,000 | 4,565 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $283,000 | 4,565 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $73,000 | 1,161 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $284,500 | 4,539 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,641,000 | 6,085 |
| Total interest expense | $894,000 | 6,548 |
| Net interest income | $2,747,000 | 5,782 |
| Provision for loan and lease losses | $122,000 | 4,440 |
| Total noninterest income | $623,000 | 4,697 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $498,000 | 3,063 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $125,000 | 6,044 |
| Total noninterest expense | $2,088,000 | 5,967 |
| Salaries and employee benefits | $1,027,000 | 6,274 |
| Premises and equipment expense | $211,000 | 6,624 |
| Additional noninterest expense | $850,000 | 4,964 |
| Pre-tax net operating income | $1,160,000 | 4,978 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,160,000 | 4,433 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,160,000 | 4,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 2,667 |
| Cash dividends | $685,000 | 3,116 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,160,000 | 4,392 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,661,000 | 6,141 |
| Total interest expense | $642,000 | 6,576 |
| Net interest income | $2,019,000 | 5,863 |
| Provision for loan and lease losses | $46,000 | 5,297 |
| Total noninterest income | $487,000 | 4,614 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $371,000 | 3,069 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $116,000 | 5,683 |
| Total noninterest expense | $1,577,000 | 5,897 |
| Salaries and employee benefits | $816,000 | 6,065 |
| Premises and equipment expense | $158,000 | 6,600 |
| Additional noninterest expense | $603,000 | 5,104 |
| Pre-tax net operating income | $883,000 | 5,072 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $883,000 | 4,505 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $883,000 | 4,505 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 2,790 |
| Cash dividends | $559,000 | 2,620 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $883,000 | 4,463 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,735,000 | 6,141 |
| Total interest expense | $413,000 | 6,527 |
| Net interest income | $1,322,000 | 5,899 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $329,000 | 4,545 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $241,000 | 3,084 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $88,000 | 5,421 |
| Total noninterest expense | $1,085,000 | 5,784 |
| Salaries and employee benefits | $559,000 | 5,982 |
| Premises and equipment expense | $107,000 | 6,557 |
| Additional noninterest expense | $419,000 | 4,931 |
| Pre-tax net operating income | $566,000 | 5,153 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $566,000 | 4,570 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $566,000 | 4,571 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,351 |
| Cash dividends | $451,000 | 2,357 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $566,000 | 4,516 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $850,000 | 6,210 |
| Total interest expense | $195,000 | 6,604 |
| Net interest income | $655,000 | 5,940 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $186,000 | 4,166 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $124,000 | 2,965 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $62,000 | 4,706 |
| Total noninterest expense | $546,000 | 5,798 |
| Salaries and employee benefits | $284,000 | 5,964 |
| Premises and equipment expense | $50,000 | 6,770 |
| Additional noninterest expense | $212,000 | 4,893 |
| Pre-tax net operating income | $295,000 | 5,036 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $295,000 | 4,421 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $295,000 | 4,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,076 |
| Cash dividends | $333,000 | 1,635 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $295,000 | 4,379 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,201,000 | 6,245 |
| Total interest expense | $699,000 | 6,601 |
| Net interest income | $2,502,000 | 6,009 |
| Provision for loan and lease losses | $156,000 | 4,170 |
| Total noninterest income | $658,000 | 4,573 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $484,000 | 3,223 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $174,000 | 5,397 |
| Total noninterest expense | $2,111,000 | 5,839 |
| Salaries and employee benefits | $1,034,000 | 6,176 |
| Premises and equipment expense | $211,000 | 6,623 |
| Additional noninterest expense | $866,000 | 4,829 |
| Pre-tax net operating income | $893,000 | 5,511 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $893,000 | 4,995 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $893,000 | 4,996 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $158,000 | 2,955 |
| Cash dividends | $591,000 | 3,270 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $893,000 | 4,920 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,392,000 | 6,257 |
| Total interest expense | $517,000 | 6,620 |
| Net interest income | $1,875,000 | 6,016 |
| Provision for loan and lease losses | $128,000 | 3,881 |
| Total noninterest income | $515,000 | 4,454 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $365,000 | 3,221 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $150,000 | 5,124 |
| Total noninterest expense | $1,575,000 | 5,819 |
| Salaries and employee benefits | $780,000 | 6,100 |
| Premises and equipment expense | $152,000 | 6,692 |
| Additional noninterest expense | $643,000 | 4,823 |
| Pre-tax net operating income | $687,000 | 5,565 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $687,000 | 5,001 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $687,000 | 5,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 2,487 |
| Cash dividends | $502,000 | 2,668 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $687,000 | 4,915 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,585,000 | 6,289 |
| Total interest expense | $339,000 | 6,688 |
| Net interest income | $1,246,000 | 6,040 |
| Provision for loan and lease losses | $90,000 | 3,641 |
| Total noninterest income | $359,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $242,000 | 3,217 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $117,000 | 4,844 |
| Total noninterest expense | $1,057,000 | 5,834 |
| Salaries and employee benefits | $517,000 | 6,171 |
| Premises and equipment expense | $100,000 | 6,777 |
| Additional noninterest expense | $440,000 | 4,757 |
| Pre-tax net operating income | $458,000 | 5,527 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $458,000 | 4,959 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $458,000 | 4,959 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 2,468 |
| Cash dividends | $413,000 | 2,408 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $458,000 | 4,870 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $805,000 | 6,243 |
| Total interest expense | $168,000 | 6,778 |
| Net interest income | $637,000 | 5,945 |
| Provision for loan and lease losses | $52,000 | 3,247 |
| Total noninterest income | $185,000 | 4,244 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $119,000 | 3,168 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $66,000 | 4,555 |
| Total noninterest expense | $534,000 | 5,830 |
| Salaries and employee benefits | $258,000 | 6,227 |
| Premises and equipment expense | $50,000 | 6,793 |
| Additional noninterest expense | $226,000 | 4,638 |
| Pre-tax net operating income | $236,000 | 5,420 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $236,000 | 4,904 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $236,000 | 4,903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 1,973 |
| Cash dividends | $323,000 | 1,645 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $236,000 | 4,775 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,202,000 | 6,321 |
| Total interest expense | $736,000 | 6,914 |
| Net interest income | $2,466,000 | 5,951 |
| Provision for loan and lease losses | $213,000 | 3,911 |
| Total noninterest income | $669,000 | 4,667 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $476,000 | 3,221 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $193,000 | 5,358 |
| Total noninterest expense | $2,102,000 | 5,827 |
| Salaries and employee benefits | $997,000 | 6,278 |
| Premises and equipment expense | $203,000 | 6,739 |
| Additional noninterest expense | $902,000 | 4,624 |
| Pre-tax net operating income | $820,000 | 5,643 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $10,000 | 7,040 |
| Income before extraordinary items | $810,000 | 5,212 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $810,000 | 5,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 3,022 |
| Cash dividends | $428,000 | 3,809 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $810,000 | 5,049 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,417,000 | 6,370 |
| Total interest expense | $569,000 | 6,990 |
| Net interest income | $1,848,000 | 5,976 |
| Provision for loan and lease losses | $178,000 | 3,620 |
| Total noninterest income | $497,000 | 4,761 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $354,000 | 3,249 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $143,000 | 5,434 |
| Total noninterest expense | $1,552,000 | 5,862 |
| Salaries and employee benefits | $763,000 | 6,169 |
| Premises and equipment expense | $150,000 | 6,787 |
| Additional noninterest expense | $639,000 | 4,791 |
| Pre-tax net operating income | $615,000 | 5,809 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $5,000 | 7,232 |
| Income before extraordinary items | $610,000 | 5,352 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $610,000 | 5,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $161,000 | 2,493 |
| Cash dividends | $358,000 | 3,210 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $610,000 | 5,171 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,614,000 | 6,394 |
| Total interest expense | $397,000 | 6,994 |
| Net interest income | $1,217,000 | 6,023 |
| Provision for loan and lease losses | $132,000 | 3,313 |
| Total noninterest income | $306,000 | 4,940 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $251,000 | 3,057 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $55,000 | 6,401 |
| Total noninterest expense | $986,000 | 6,031 |
| Salaries and employee benefits | $498,000 | 6,284 |
| Premises and equipment expense | $98,000 | 6,822 |
| Additional noninterest expense | $390,000 | 5,101 |
| Pre-tax net operating income | $405,000 | 5,832 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $405,000 | 5,370 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $405,000 | 5,370 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,139 |
| Cash dividends | $280,000 | 2,986 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $405,000 | 5,173 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $811,000 | 6,411 |
| Total interest expense | $205,000 | 7,010 |
| Net interest income | $606,000 | 6,032 |
| Provision for loan and lease losses | $62,000 | 3,213 |
| Total noninterest income | $137,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $120,000 | 3,077 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $17,000 | 7,158 |
| Total noninterest expense | $486,000 | 6,094 |
| Salaries and employee benefits | $241,000 | 6,396 |
| Premises and equipment expense | $49,000 | 6,835 |
| Additional noninterest expense | $196,000 | 5,029 |
| Pre-tax net operating income | $195,000 | 5,903 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $195,000 | 5,397 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $195,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 2,091 |
| Cash dividends | $190,000 | 2,304 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $195,000 | 5,203 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 6,546 |
| Total interest expense | $1,034,000 | 6,848 |
| Net interest income | $2,254,000 | 6,237 |
| Provision for loan and lease losses | $142,000 | 5,042 |
| Total noninterest income | $386,000 | 5,865 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $370,000 | 3,719 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $16,000 | 8,678 |
| Total noninterest expense | $1,843,000 | 6,173 |
| Salaries and employee benefits | $911,000 | 6,477 |
| Premises and equipment expense | $182,000 | 7,003 |
| Additional noninterest expense | $750,000 | 5,159 |
| Pre-tax net operating income | $655,000 | 6,229 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $655,000 | 5,730 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $655,000 | 5,729 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,838 |
| Cash dividends | $693,000 | 2,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $655,000 | 5,589 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,806,000 | 6,501 |
| Total interest expense | $1,491,000 | 6,989 |
| Net interest income | $2,315,000 | 5,984 |
| Provision for loan and lease losses | $193,000 | 4,225 |
| Total noninterest income | $377,000 | 5,843 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $323,000 | 3,982 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $54,000 | 7,574 |
| Total noninterest expense | $1,737,000 | 6,268 |
| Salaries and employee benefits | $838,000 | 6,625 |
| Premises and equipment expense | $172,000 | 7,186 |
| Additional noninterest expense | $727,000 | 5,140 |
| Pre-tax net operating income | $762,000 | 5,616 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $95,000 | 6,066 |
| Income before extraordinary items | $667,000 | 5,347 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $667,000 | 5,351 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $156,000 | 3,311 |
| Cash dividends | $270,000 | 4,556 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $667,000 | 5,219 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,716,000 | 6,716 |
| Total interest expense | $1,466,000 | 7,232 |
| Net interest income | $2,250,000 | 6,183 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $345,000 | 5,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,098 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 7,858 |
| Total noninterest expense | $1,671,000 | 6,322 |
| Salaries and employee benefits | $746,000 | 6,990 |
| Premises and equipment expense | $172,000 | 7,209 |
| Additional noninterest expense | $753,000 | 4,928 |
| Pre-tax net operating income | $744,000 | 6,062 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $233,000 | 5,112 |
| Income before extraordinary items | $511,000 | 6,254 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $511,000 | 6,252 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $233,000 | 2,169 |
| Cash dividends | $250,000 | 4,756 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $511,000 | 6,279 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,434,000 | 6,897 |
| Total interest expense | $1,521,000 | 6,926 |
| Net interest income | $1,913,000 | 6,804 |
| Provision for loan and lease losses | $251,000 | 3,040 |
| Total noninterest income | $458,000 | 5,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $296,000 | 4,033 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 5,429 |
| Total noninterest expense | $1,465,000 | 6,868 |
| Salaries and employee benefits | $607,000 | 7,726 |
| Premises and equipment expense | $173,000 | 7,268 |
| Additional noninterest expense | $685,000 | 5,322 |
| Pre-tax net operating income | $655,000 | 6,493 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $207,000 | 5,627 |
| Income before extraordinary items | $448,000 | 6,711 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $448,000 | 6,709 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $229,000 | 2,208 |
| Cash dividends | $125,000 | 5,846 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $448,000 | 6,686 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,491,000 | 6,967 |
| Total interest expense | $1,622,000 | 6,933 |
| Net interest income | $1,869,000 | 6,904 |
| Provision for loan and lease losses | $368,000 | 2,209 |
| Total noninterest income | $345,000 | 6,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,477 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $94,000 | 6,772 |
| Total noninterest expense | $1,420,000 | 6,906 |
| Salaries and employee benefits | $560,000 | 7,983 |
| Premises and equipment expense | $182,000 | 7,012 |
| Additional noninterest expense | $678,000 | 5,287 |
| Pre-tax net operating income | $426,000 | 7,733 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $131,000 | 7,092 |
| Income before extraordinary items | $296,000 | 7,920 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $296,000 | 7,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $376,000 | 1,577 |
| Cash dividends | $30,000 | 7,122 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $295,310 | 7,845 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,069,000 | 7,675 |
| Total interest expense | $1,283,000 | 7,893 |
| Net interest income | $1,786,000 | 7,347 |
| Provision for loan and lease losses | $816,000 | 1,162 |
| Total noninterest income | $311,000 | 6,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $251,000 | 4,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 8,023 |
| Total noninterest expense | $1,308,000 | 7,312 |
| Salaries and employee benefits | $472,000 | 8,806 |
| Premises and equipment expense | $169,000 | 7,402 |
| Additional noninterest expense | $667,000 | 5,412 |
| Pre-tax net operating income | $-27,000 | 10,424 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $-34,000 | 10,590 |
| Income before extraordinary items | $7,000 | 10,387 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $7,000 | 10,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $617,000 | 1,137 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $7,000 | 10,349 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,727,000 | 8,379 |
| Total interest expense | $918,000 | 9,271 |
| Net interest income | $1,809,000 | 7,549 |
| Provision for loan and lease losses | $200,000 | 3,395 |
| Total noninterest income | $294,000 | 7,029 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $210,000 | 5,392 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,617 |
| Total noninterest expense | $1,182,000 | 8,032 |
| Salaries and employee benefits | $525,000 | 8,673 |
| Premises and equipment expense | $149,000 | 8,083 |
| Additional noninterest expense | $508,000 | 6,991 |
| Pre-tax net operating income | $721,000 | 6,841 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $231,000 | 6,694 |
| Income before extraordinary items | $490,000 | 6,964 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $490,000 | 6,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 2,311 |
| Cash dividends | $232,000 | 5,137 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $490,000 | 6,903 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,580,000 | 8,843 |
| Total interest expense | $786,000 | 10,003 |
| Net interest income | $1,794,000 | 7,785 |
| Provision for loan and lease losses | $53,000 | 6,095 |
| Total noninterest income | $334,000 | 6,672 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 5,739 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,244 |
| Total noninterest expense | $958,000 | 9,132 |
| Salaries and employee benefits | $438,000 | 9,631 |
| Premises and equipment expense | $142,000 | 8,472 |
| Additional noninterest expense | $378,000 | 8,419 |
| Pre-tax net operating income | $1,117,000 | 5,542 |
| Securities gains (losses) | $-38,000 | 11,009 |
| Applicable income taxes | $347,000 | 5,477 |
| Income before extraordinary items | $732,000 | 5,803 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $732,000 | 5,800 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $41,000 | 5,496 |
| Cash dividends | $226,000 | 5,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $757,840 | 5,652 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,336,000 | 9,191 |
| Total interest expense | $657,000 | 10,322 |
| Net interest income | $1,679,000 | 8,359 |
| Provision for loan and lease losses | $18,000 | 7,907 |
| Total noninterest income | $203,000 | 8,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,404 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $31,000 | 10,719 |
| Total noninterest expense | $947,000 | 9,563 |
| Salaries and employee benefits | $413,000 | 10,179 |
| Premises and equipment expense | $94,000 | 10,216 |
| Additional noninterest expense | $440,000 | 8,419 |
| Pre-tax net operating income | $917,000 | 6,313 |
| Securities gains (losses) | $-1,000 | 8,790 |
| Applicable income taxes | $300,000 | 5,876 |
| Income before extraordinary items | $616,000 | 6,419 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $616,000 | 6,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,849 |
| Cash dividends | $214,000 | 5,299 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $616,670 | 6,484 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,117,000 | 9,957 |
| Total interest expense | $649,000 | 10,877 |
| Net interest income | $1,468,000 | 9,214 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $335,000 | 7,208 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $173,000 | 6,520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $162,000 | 6,311 |
| Total noninterest expense | $898,000 | 10,198 |
| Salaries and employee benefits | $384,000 | 10,800 |
| Premises and equipment expense | $83,000 | 11,040 |
| Additional noninterest expense | $431,000 | 8,921 |
| Pre-tax net operating income | $905,000 | 6,327 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $305,000 | 6,010 |
| Income before extraordinary items | $628,000 | 6,574 |
| Extraordinary gains, net | $-52,000 | 12,738 |
| Net income | $576,000 | 7,141 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 8,917 |
| Cash dividends | $450,000 | 3,356 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $609,240 | 6,466 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,205,000 | 10,464 |
| Total interest expense | $784,000 | 11,403 |
| Net interest income | $1,421,000 | 9,553 |
| Provision for loan and lease losses | $54,000 | 8,887 |
| Total noninterest income | $210,000 | 9,222 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $53,000 | 10,222 |
| Total noninterest expense | $986,000 | 10,039 |
| Salaries and employee benefits | $368,000 | 11,241 |
| Premises and equipment expense | $76,000 | 11,645 |
| Additional noninterest expense | $542,000 | 8,058 |
| Pre-tax net operating income | $591,000 | 7,779 |
| Securities gains (losses) | $64,000 | 3,722 |
| Applicable income taxes | $213,000 | 7,314 |
| Income before extraordinary items | $442,000 | 7,808 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $442,000 | 7,927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $144,000 | 4,990 |
| Cash dividends | $260,000 | 4,375 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $399,120 | 7,871 |
* 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.