Home > First Farmers & Merchants National Bank > Income and Expense
First Farmers & Merchants National Bank, Income and Expense
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $2,308,000 | 4,347 |
| Total interest expense | $236,000 | 4,741 |
| Net interest income | $2,072,000 | 4,214 |
| Provision for loan and lease losses | $745,000 | 848 |
| Total noninterest income | $465,000 | 3,417 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $82,000 | 4,467 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $383,000 | 2,860 |
| Total noninterest expense | $1,704,000 | 4,361 |
| Salaries and employee benefits | $722,000 | 4,906 |
| Premises and equipment expense | $159,000 | 4,762 |
| Additional noninterest expense | $823,000 | 3,433 |
| Pre-tax net operating income | $88,000 | 5,881 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $1,000 | 4,582 |
| Income before extraordinary items | $87,000 | 5,926 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $87,000 | 5,927 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $87,000 | 5,928 |
| Net charge-offs | $940,000 | 803 |
| Cash dividends | $4,000 | 3,548 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $87,000 | 5,834 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,175,000 | 4,316 |
| Total interest expense | $123,000 | 4,733 |
| Net interest income | $1,052,000 | 4,193 |
| Provision for loan and lease losses | $730,000 | 523 |
| Total noninterest income | $275,000 | 3,116 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $39,000 | 4,527 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $236,000 | 2,540 |
| Total noninterest expense | $894,000 | 4,276 |
| Salaries and employee benefits | $364,000 | 4,917 |
| Premises and equipment expense | $81,000 | 4,758 |
| Additional noninterest expense | $449,000 | 3,221 |
| Pre-tax net operating income | $-297,000 | 6,790 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $-297,000 | 6,813 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $-297,000 | 6,813 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $-297,000 | 6,813 |
| Net charge-offs | $865,000 | 531 |
| Cash dividends | $4,000 | 2,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $-297,000 | 6,799 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $4,648,000 | 4,486 |
| Total interest expense | $567,000 | 4,878 |
| Net interest income | $4,081,000 | 4,361 |
| Provision for loan and lease losses | $20,000 | 5,589 |
| Total noninterest income | $799,000 | 3,647 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $198,000 | 4,286 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $601,000 | 3,094 |
| Total noninterest expense | $3,243,000 | 4,552 |
| Salaries and employee benefits | $1,463,000 | 4,908 |
| Premises and equipment expense | $308,000 | 4,901 |
| Additional noninterest expense | $1,472,000 | 3,842 |
| Pre-tax net operating income | $1,617,000 | 3,203 |
| Securities gains (losses) | $0 | 3,810 |
| Applicable income taxes | $0 | 4,751 |
| Income before extraordinary items | $1,617,000 | 2,978 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,617,000 | 2,979 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $1,617,000 | 2,980 |
| Net charge-offs | $198,000 | 3,776 |
| Cash dividends | $893,000 | 2,109 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $1,617,000 | 2,852 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $3,520,000 | 4,533 |
| Total interest expense | $436,000 | 4,949 |
| Net interest income | $3,084,000 | 4,403 |
| Provision for loan and lease losses | $20,000 | 5,381 |
| Total noninterest income | $602,000 | 3,678 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $150,000 | 4,314 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $452,000 | 3,098 |
| Total noninterest expense | $2,430,000 | 4,578 |
| Salaries and employee benefits | $1,095,000 | 4,936 |
| Premises and equipment expense | $233,000 | 4,947 |
| Additional noninterest expense | $1,102,000 | 3,856 |
| Pre-tax net operating income | $1,236,000 | 3,252 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $0 | 4,802 |
| Income before extraordinary items | $1,236,000 | 3,003 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $1,236,000 | 3,003 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $1,236,000 | 3,002 |
| Net charge-offs | $206,000 | 3,277 |
| Cash dividends | $601,000 | 1,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $1,236,000 | 2,861 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $2,357,000 | 4,567 |
| Total interest expense | $294,000 | 5,031 |
| Net interest income | $2,063,000 | 4,402 |
| Provision for loan and lease losses | $0 | 5,619 |
| Total noninterest income | $412,000 | 3,605 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $96,000 | 4,388 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $316,000 | 2,998 |
| Total noninterest expense | $1,626,000 | 4,603 |
| Salaries and employee benefits | $741,000 | 4,933 |
| Premises and equipment expense | $159,000 | 4,918 |
| Additional noninterest expense | $726,000 | 3,894 |
| Pre-tax net operating income | $849,000 | 3,169 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $-1,000 | 6,760 |
| Income before extraordinary items | $850,000 | 2,915 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $850,000 | 2,915 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $850,000 | 2,915 |
| Net charge-offs | $-13,000 | 6,695 |
| Cash dividends | $483,000 | 1,650 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $850,000 | 2,775 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,189,000 | 4,584 |
| Total interest expense | $152,000 | 5,070 |
| Net interest income | $1,037,000 | 4,412 |
| Provision for loan and lease losses | $0 | 5,254 |
| Total noninterest income | $216,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $46,000 | 4,450 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $170,000 | 2,883 |
| Total noninterest expense | $816,000 | 4,603 |
| Salaries and employee benefits | $373,000 | 4,955 |
| Premises and equipment expense | $79,000 | 4,958 |
| Additional noninterest expense | $364,000 | 3,880 |
| Pre-tax net operating income | $437,000 | 3,155 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $-1,000 | 6,892 |
| Income before extraordinary items | $438,000 | 2,890 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $438,000 | 2,893 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $438,000 | 2,894 |
| Net charge-offs | $-1,000 | 5,761 |
| Cash dividends | $185,000 | 1,664 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $438,000 | 2,738 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $4,723,000 | 4,711 |
| Total interest expense | $775,000 | 4,987 |
| Net interest income | $3,948,000 | 4,564 |
| Provision for loan and lease losses | $310,000 | 4,057 |
| Total noninterest income | $121,000 | 6,267 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $182,000 | 4,547 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $-61,000 | 6,844 |
| Total noninterest expense | $3,137,000 | 4,760 |
| Salaries and employee benefits | $1,472,000 | 5,019 |
| Premises and equipment expense | $325,000 | 5,061 |
| Additional noninterest expense | $1,340,000 | 4,156 |
| Pre-tax net operating income | $622,000 | 4,465 |
| Securities gains (losses) | $0 | 3,838 |
| Applicable income taxes | $3,000 | 4,538 |
| Income before extraordinary items | $619,000 | 4,342 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $619,000 | 4,344 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $619,000 | 4,344 |
| Net charge-offs | $22,000 | 5,879 |
| Cash dividends | $411,000 | 2,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $619,000 | 4,221 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $3,558,000 | 4,755 |
| Total interest expense | $605,000 | 5,023 |
| Net interest income | $2,953,000 | 4,604 |
| Provision for loan and lease losses | $310,000 | 3,562 |
| Total noninterest income | $155,000 | 5,785 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $129,000 | 4,664 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $26,000 | 6,259 |
| Total noninterest expense | $2,381,000 | 4,735 |
| Salaries and employee benefits | $1,116,000 | 4,981 |
| Premises and equipment expense | $247,000 | 5,077 |
| Additional noninterest expense | $1,018,000 | 4,136 |
| Pre-tax net operating income | $417,000 | 4,716 |
| Securities gains (losses) | $0 | 3,555 |
| Applicable income taxes | $3,000 | 4,520 |
| Income before extraordinary items | $414,000 | 4,606 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $414,000 | 4,607 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $414,000 | 4,606 |
| Net charge-offs | $28,000 | 5,367 |
| Cash dividends | $411,000 | 1,998 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $414,000 | 4,482 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $2,362,000 | 4,814 |
| Total interest expense | $422,000 | 5,039 |
| Net interest income | $1,940,000 | 4,674 |
| Provision for loan and lease losses | $20,000 | 5,705 |
| Total noninterest income | $-19,000 | 7,235 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $78,000 | 4,826 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-97,000 | 7,199 |
| Total noninterest expense | $1,556,000 | 4,844 |
| Salaries and employee benefits | $717,000 | 5,104 |
| Premises and equipment expense | $165,000 | 5,115 |
| Additional noninterest expense | $674,000 | 4,215 |
| Pre-tax net operating income | $345,000 | 4,420 |
| Securities gains (losses) | $0 | 2,914 |
| Applicable income taxes | $2,000 | 4,487 |
| Income before extraordinary items | $343,000 | 4,244 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $343,000 | 4,244 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $343,000 | 4,246 |
| Net charge-offs | $-2,000 | 6,677 |
| Cash dividends | $411,000 | 1,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $343,000 | 4,150 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $1,183,000 | 4,844 |
| Total interest expense | $216,000 | 5,074 |
| Net interest income | $967,000 | 4,666 |
| Provision for loan and lease losses | $20,000 | 4,994 |
| Total noninterest income | $142,000 | 4,280 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $39,000 | 4,792 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $103,000 | 3,519 |
| Total noninterest expense | $769,000 | 4,902 |
| Salaries and employee benefits | $349,000 | 5,234 |
| Premises and equipment expense | $84,000 | 5,123 |
| Additional noninterest expense | $336,000 | 4,212 |
| Pre-tax net operating income | $320,000 | 3,409 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $2,000 | 4,282 |
| Income before extraordinary items | $318,000 | 3,097 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $318,000 | 3,095 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $318,000 | 3,097 |
| Net charge-offs | $7,000 | 4,526 |
| Cash dividends | $296,000 | 1,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $318,000 | 3,046 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,085,000 | 4,772 |
| Total interest expense | $1,082,000 | 5,051 |
| Net interest income | $4,003,000 | 4,582 |
| Provision for loan and lease losses | $76,000 | 6,215 |
| Total noninterest income | $416,000 | 4,904 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $172,000 | 4,681 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $244,000 | 4,282 |
| Total noninterest expense | $3,154,000 | 4,889 |
| Salaries and employee benefits | $1,477,000 | 5,093 |
| Premises and equipment expense | $298,000 | 5,425 |
| Additional noninterest expense | $1,379,000 | 4,232 |
| Pre-tax net operating income | $1,189,000 | 3,102 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $1,000 | 4,548 |
| Income before extraordinary items | $1,188,000 | 2,934 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,188,000 | 2,930 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,188,000 | 2,934 |
| Net charge-offs | $0 | 6,851 |
| Cash dividends | $1,038,000 | 1,428 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,188,000 | 2,813 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,850,000 | 4,840 |
| Total interest expense | $852,000 | 5,092 |
| Net interest income | $2,998,000 | 4,654 |
| Provision for loan and lease losses | $76,000 | 5,946 |
| Total noninterest income | $373,000 | 4,653 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $128,000 | 4,775 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $245,000 | 3,870 |
| Total noninterest expense | $2,342,000 | 4,926 |
| Salaries and employee benefits | $1,089,000 | 5,179 |
| Premises and equipment expense | $226,000 | 5,456 |
| Additional noninterest expense | $1,027,000 | 4,235 |
| Pre-tax net operating income | $953,000 | 3,182 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $1,000 | 4,603 |
| Income before extraordinary items | $952,000 | 2,979 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $952,000 | 2,976 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $952,000 | 2,979 |
| Net charge-offs | $-3,000 | 7,327 |
| Cash dividends | $382,000 | 2,097 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $952,000 | 2,849 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,518,000 | 4,931 |
| Total interest expense | $516,000 | 5,406 |
| Net interest income | $2,002,000 | 4,646 |
| Provision for loan and lease losses | $66,000 | 5,531 |
| Total noninterest income | $221,000 | 4,846 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $85,000 | 4,770 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $136,000 | 4,151 |
| Total noninterest expense | $1,549,000 | 4,968 |
| Salaries and employee benefits | $717,000 | 5,236 |
| Premises and equipment expense | $154,000 | 5,461 |
| Additional noninterest expense | $678,000 | 4,252 |
| Pre-tax net operating income | $608,000 | 3,281 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $1,000 | 4,552 |
| Income before extraordinary items | $607,000 | 3,041 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $607,000 | 3,036 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $607,000 | 3,039 |
| Net charge-offs | $1,000 | 6,292 |
| Cash dividends | $226,000 | 2,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $607,000 | 2,931 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,258,000 | 4,999 |
| Total interest expense | $271,000 | 5,426 |
| Net interest income | $987,000 | 4,725 |
| Provision for loan and lease losses | $56,000 | 4,763 |
| Total noninterest income | $104,000 | 4,973 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $39,000 | 4,918 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $65,000 | 4,256 |
| Total noninterest expense | $772,000 | 5,027 |
| Salaries and employee benefits | $350,000 | 5,365 |
| Premises and equipment expense | $81,000 | 5,414 |
| Additional noninterest expense | $341,000 | 4,235 |
| Pre-tax net operating income | $263,000 | 3,598 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $1,000 | 4,457 |
| Income before extraordinary items | $262,000 | 3,392 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $262,000 | 3,390 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $262,000 | 3,392 |
| Net charge-offs | $-7,000 | 7,395 |
| Cash dividends | $60,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $262,000 | 3,274 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,258,000 | 4,985 |
| Total interest expense | $1,331,000 | 5,430 |
| Net interest income | $3,927,000 | 4,612 |
| Provision for loan and lease losses | $1,045,000 | 3,427 |
| Total noninterest income | $431,000 | 4,998 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $167,000 | 4,961 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $264,000 | 4,188 |
| Total noninterest expense | $3,226,000 | 4,971 |
| Salaries and employee benefits | $1,376,000 | 5,438 |
| Premises and equipment expense | $299,000 | 5,653 |
| Additional noninterest expense | $1,551,000 | 3,988 |
| Pre-tax net operating income | $87,000 | 5,126 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $3,000 | 4,116 |
| Income before extraordinary items | $84,000 | 5,221 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $84,000 | 5,220 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $84,000 | 5,220 |
| Net charge-offs | $772,000 | 3,226 |
| Cash dividends | $89,000 | 4,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $84,000 | 5,157 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,944,000 | 5,058 |
| Total interest expense | $1,022,000 | 5,508 |
| Net interest income | $2,922,000 | 4,660 |
| Provision for loan and lease losses | $708,000 | 3,257 |
| Total noninterest income | $282,000 | 5,301 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $121,000 | 5,060 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $161,000 | 4,640 |
| Total noninterest expense | $2,450,000 | 4,940 |
| Salaries and employee benefits | $1,027,000 | 5,502 |
| Premises and equipment expense | $224,000 | 5,709 |
| Additional noninterest expense | $1,199,000 | 3,874 |
| Pre-tax net operating income | $46,000 | 5,499 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $3,000 | 4,321 |
| Income before extraordinary items | $43,000 | 5,596 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $43,000 | 5,596 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $43,000 | 5,596 |
| Net charge-offs | $776,000 | 2,515 |
| Cash dividends | $69,000 | 3,798 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $43,000 | 5,539 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,585,000 | 5,145 |
| Total interest expense | $694,000 | 5,586 |
| Net interest income | $1,891,000 | 4,743 |
| Provision for loan and lease losses | $641,000 | 2,611 |
| Total noninterest income | $155,000 | 5,655 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $77,000 | 5,132 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $78,000 | 5,201 |
| Total noninterest expense | $1,660,000 | 4,937 |
| Salaries and employee benefits | $683,000 | 5,570 |
| Premises and equipment expense | $151,000 | 5,736 |
| Additional noninterest expense | $826,000 | 3,787 |
| Pre-tax net operating income | $-255,000 | 6,368 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $2,000 | 4,423 |
| Income before extraordinary items | $-257,000 | 6,484 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-257,000 | 6,483 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-257,000 | 6,483 |
| Net charge-offs | $770,000 | 1,879 |
| Cash dividends | $42,000 | 3,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-257,000 | 6,471 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,279,000 | 5,208 |
| Total interest expense | $355,000 | 5,645 |
| Net interest income | $924,000 | 4,805 |
| Provision for loan and lease losses | $49,000 | 4,950 |
| Total noninterest income | $37,000 | 6,760 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $37,000 | 5,156 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $0 | 7,833 |
| Total noninterest expense | $821,000 | 4,882 |
| Salaries and employee benefits | $340,000 | 5,626 |
| Premises and equipment expense | $83,000 | 5,572 |
| Additional noninterest expense | $398,000 | 3,592 |
| Pre-tax net operating income | $91,000 | 5,126 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $2,000 | 4,551 |
| Income before extraordinary items | $89,000 | 5,103 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $89,000 | 5,108 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $89,000 | 5,107 |
| Net charge-offs | $86,000 | 3,034 |
| Cash dividends | $42,000 | 2,740 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $89,000 | 4,941 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,450,000 | 5,221 |
| Total interest expense | $1,669,000 | 5,740 |
| Net interest income | $3,781,000 | 4,745 |
| Provision for loan and lease losses | $36,000 | 6,768 |
| Total noninterest income | $447,000 | 5,068 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $211,000 | 4,691 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $236,000 | 4,558 |
| Total noninterest expense | $3,277,000 | 4,838 |
| Salaries and employee benefits | $1,395,000 | 5,550 |
| Premises and equipment expense | $297,000 | 5,830 |
| Additional noninterest expense | $1,585,000 | 3,484 |
| Pre-tax net operating income | $915,000 | 3,916 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $1,000 | 4,863 |
| Income before extraordinary items | $915,000 | 3,449 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $915,000 | 3,449 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 3,481 |
| Cash dividends | $314,000 | 3,999 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $914,000 | 3,603 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,118,000 | 5,268 |
| Total interest expense | $1,273,000 | 5,817 |
| Net interest income | $2,845,000 | 4,778 |
| Provision for loan and lease losses | $21,000 | 6,479 |
| Total noninterest income | $353,000 | 5,061 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $157,000 | 4,733 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $196,000 | 4,462 |
| Total noninterest expense | $2,411,000 | 4,877 |
| Salaries and employee benefits | $1,055,000 | 5,530 |
| Premises and equipment expense | $234,000 | 5,723 |
| Additional noninterest expense | $1,122,000 | 3,548 |
| Pre-tax net operating income | $766,000 | 4,180 |
| Securities gains (losses) | $1,000 | 2,971 |
| Applicable income taxes | $1,000 | 5,240 |
| Income before extraordinary items | $766,000 | 3,644 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $766,000 | 3,642 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 2,954 |
| Cash dividends | $314,000 | 3,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $765,000 | 3,790 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,735,000 | 5,351 |
| Total interest expense | $854,000 | 5,953 |
| Net interest income | $1,881,000 | 4,812 |
| Provision for loan and lease losses | $12,000 | 6,231 |
| Total noninterest income | $233,000 | 5,137 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $102,000 | 4,802 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $131,000 | 4,538 |
| Total noninterest expense | $1,592,000 | 4,930 |
| Salaries and employee benefits | $695,000 | 5,618 |
| Premises and equipment expense | $160,000 | 5,703 |
| Additional noninterest expense | $737,000 | 3,577 |
| Pre-tax net operating income | $510,000 | 4,342 |
| Securities gains (losses) | $1,000 | 3,084 |
| Applicable income taxes | $1,000 | 5,487 |
| Income before extraordinary items | $510,000 | 3,968 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $510,000 | 3,969 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,912 |
| Cash dividends | $203,000 | 3,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $509,000 | 3,923 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,367,000 | 5,443 |
| Total interest expense | $441,000 | 6,049 |
| Net interest income | $926,000 | 4,866 |
| Provision for loan and lease losses | $6,000 | 5,669 |
| Total noninterest income | $100,000 | 5,420 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $48,000 | 4,876 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $52,000 | 4,970 |
| Total noninterest expense | $784,000 | 4,990 |
| Salaries and employee benefits | $349,000 | 5,640 |
| Premises and equipment expense | $87,000 | 5,531 |
| Additional noninterest expense | $348,000 | 3,692 |
| Pre-tax net operating income | $236,000 | 4,641 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $236,000 | 4,318 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $236,000 | 4,320 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,652 |
| Cash dividends | $135,000 | 2,680 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $236,000 | 4,217 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $5,443,000 | 5,490 |
| Total interest expense | $1,743,000 | 6,126 |
| Net interest income | $3,700,000 | 4,849 |
| Provision for loan and lease losses | $6,000 | 6,695 |
| Total noninterest income | $379,000 | 5,608 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $207,000 | 4,836 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $172,000 | 5,344 |
| Total noninterest expense | $3,026,000 | 4,982 |
| Salaries and employee benefits | $1,406,000 | 5,494 |
| Premises and equipment expense | $296,000 | 5,799 |
| Additional noninterest expense | $1,324,000 | 3,785 |
| Pre-tax net operating income | $1,047,000 | 4,645 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,047,000 | 4,208 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,047,000 | 4,210 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 4,068 |
| Cash dividends | $1,598,000 | 1,920 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,047,000 | 4,199 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,048,000 | 5,531 |
| Total interest expense | $1,304,000 | 6,166 |
| Net interest income | $2,744,000 | 4,908 |
| Provision for loan and lease losses | $6,000 | 6,329 |
| Total noninterest income | $297,000 | 5,559 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $158,000 | 4,809 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $139,000 | 5,234 |
| Total noninterest expense | $2,286,000 | 4,931 |
| Salaries and employee benefits | $1,065,000 | 5,452 |
| Premises and equipment expense | $225,000 | 5,784 |
| Additional noninterest expense | $996,000 | 3,715 |
| Pre-tax net operating income | $749,000 | 4,984 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $749,000 | 4,483 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $749,000 | 4,483 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 2,709 |
| Cash dividends | $532,000 | 2,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $749,000 | 4,477 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,677,000 | 5,583 |
| Total interest expense | $852,000 | 6,242 |
| Net interest income | $1,825,000 | 4,944 |
| Provision for loan and lease losses | $6,000 | 5,907 |
| Total noninterest income | $199,000 | 5,585 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $102,000 | 4,904 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $97,000 | 5,176 |
| Total noninterest expense | $1,553,000 | 4,909 |
| Salaries and employee benefits | $729,000 | 5,424 |
| Premises and equipment expense | $155,000 | 5,723 |
| Additional noninterest expense | $669,000 | 3,686 |
| Pre-tax net operating income | $465,000 | 5,189 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $465,000 | 4,722 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $465,000 | 4,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,930 |
| Cash dividends | $445,000 | 2,615 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $465,000 | 4,716 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,316,000 | 5,646 |
| Total interest expense | $412,000 | 6,312 |
| Net interest income | $904,000 | 4,980 |
| Provision for loan and lease losses | $6,000 | 5,291 |
| Total noninterest income | $79,000 | 6,003 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $46,000 | 5,043 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $33,000 | 5,825 |
| Total noninterest expense | $770,000 | 4,920 |
| Salaries and employee benefits | $368,000 | 5,428 |
| Premises and equipment expense | $79,000 | 5,713 |
| Additional noninterest expense | $323,000 | 3,750 |
| Pre-tax net operating income | $207,000 | 5,436 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $207,000 | 4,975 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $207,000 | 4,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,195 |
| Cash dividends | $427,000 | 1,598 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $207,000 | 4,961 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,137,000 | 5,475 |
| Total interest expense | $1,516,000 | 6,093 |
| Net interest income | $3,621,000 | 4,943 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $347,000 | 5,895 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $196,000 | 5,036 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $151,000 | 5,601 |
| Total noninterest expense | $3,013,000 | 4,869 |
| Salaries and employee benefits | $1,436,000 | 5,345 |
| Premises and equipment expense | $295,000 | 5,776 |
| Additional noninterest expense | $1,282,000 | 3,740 |
| Pre-tax net operating income | $895,000 | 5,421 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,000 | 6,499 |
| Income before extraordinary items | $894,000 | 4,958 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $894,000 | 4,961 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,489 |
| Cash dividends | $312,000 | 4,415 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $894,000 | 4,949 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,799,000 | 5,517 |
| Total interest expense | $1,118,000 | 6,078 |
| Net interest income | $2,681,000 | 5,033 |
| Provision for loan and lease losses | $60,000 | 4,851 |
| Total noninterest income | $259,000 | 5,931 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $144,000 | 5,125 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $115,000 | 5,593 |
| Total noninterest expense | $2,252,000 | 4,861 |
| Salaries and employee benefits | $1,074,000 | 5,329 |
| Premises and equipment expense | $221,000 | 5,809 |
| Additional noninterest expense | $957,000 | 3,742 |
| Pre-tax net operating income | $628,000 | 5,759 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,000 | 6,574 |
| Income before extraordinary items | $627,000 | 5,253 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $627,000 | 5,256 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,856 |
| Cash dividends | $254,000 | 3,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $627,000 | 5,242 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,511,000 | 5,513 |
| Total interest expense | $736,000 | 6,031 |
| Net interest income | $1,775,000 | 5,073 |
| Provision for loan and lease losses | $60,000 | 4,062 |
| Total noninterest income | $181,000 | 5,843 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $94,000 | 5,152 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $87,000 | 5,421 |
| Total noninterest expense | $1,460,000 | 4,972 |
| Salaries and employee benefits | $714,000 | 5,354 |
| Premises and equipment expense | $148,000 | 5,813 |
| Additional noninterest expense | $598,000 | 3,923 |
| Pre-tax net operating income | $436,000 | 5,711 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,000 | 6,575 |
| Income before extraordinary items | $435,000 | 5,197 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $435,000 | 5,201 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,609 |
| Cash dividends | $155,000 | 3,951 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $435,000 | 5,195 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,226,000 | 5,544 |
| Total interest expense | $352,000 | 6,022 |
| Net interest income | $874,000 | 5,118 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $91,000 | 5,791 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $44,000 | 5,215 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $47,000 | 5,227 |
| Total noninterest expense | $721,000 | 5,036 |
| Salaries and employee benefits | $351,000 | 5,431 |
| Premises and equipment expense | $77,000 | 5,732 |
| Additional noninterest expense | $293,000 | 3,968 |
| Pre-tax net operating income | $214,000 | 5,699 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,000 | 6,453 |
| Income before extraordinary items | $213,000 | 5,215 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $213,000 | 5,214 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,654 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $213,000 | 5,208 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,787,000 | 5,301 |
| Total interest expense | $1,149,000 | 5,937 |
| Net interest income | $3,638,000 | 4,903 |
| Provision for loan and lease losses | $230,000 | 3,342 |
| Total noninterest income | $434,000 | 5,549 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $225,000 | 4,795 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $209,000 | 5,069 |
| Total noninterest expense | $2,759,000 | 5,055 |
| Salaries and employee benefits | $1,353,000 | 5,401 |
| Premises and equipment expense | $301,000 | 5,720 |
| Additional noninterest expense | $1,105,000 | 4,100 |
| Pre-tax net operating income | $1,083,000 | 5,149 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,083,000 | 4,620 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,083,000 | 4,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 3,132 |
| Cash dividends | $1,473,000 | 1,855 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,083,000 | 4,576 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,540,000 | 5,311 |
| Total interest expense | $840,000 | 5,882 |
| Net interest income | $2,700,000 | 4,958 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $341,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $170,000 | 4,817 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $171,000 | 4,942 |
| Total noninterest expense | $2,035,000 | 5,084 |
| Salaries and employee benefits | $1,007,000 | 5,395 |
| Premises and equipment expense | $236,000 | 5,595 |
| Additional noninterest expense | $792,000 | 4,210 |
| Pre-tax net operating income | $926,000 | 4,967 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $926,000 | 4,384 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $926,000 | 4,384 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $126,000 | 2,241 |
| Cash dividends | $570,000 | 2,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $926,000 | 4,337 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,296,000 | 5,329 |
| Total interest expense | $523,000 | 5,920 |
| Net interest income | $1,773,000 | 4,983 |
| Provision for loan and lease losses | $60,000 | 4,115 |
| Total noninterest income | $239,000 | 5,324 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $120,000 | 4,652 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $119,000 | 4,831 |
| Total noninterest expense | $1,315,000 | 5,177 |
| Salaries and employee benefits | $665,000 | 5,405 |
| Premises and equipment expense | $160,000 | 5,527 |
| Additional noninterest expense | $490,000 | 4,444 |
| Pre-tax net operating income | $637,000 | 4,862 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $637,000 | 4,263 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $637,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $107,000 | 1,830 |
| Cash dividends | $515,000 | 2,140 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $637,000 | 4,209 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,133,000 | 5,340 |
| Total interest expense | $234,000 | 6,144 |
| Net interest income | $899,000 | 4,962 |
| Provision for loan and lease losses | $30,000 | 3,913 |
| Total noninterest income | $104,000 | 5,592 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $56,000 | 4,748 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $48,000 | 5,277 |
| Total noninterest expense | $591,000 | 5,559 |
| Salaries and employee benefits | $318,000 | 5,597 |
| Premises and equipment expense | $86,000 | 5,371 |
| Additional noninterest expense | $187,000 | 5,322 |
| Pre-tax net operating income | $382,000 | 4,392 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $382,000 | 3,729 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $382,000 | 3,731 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $274,000 | 1,875 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $382,000 | 3,690 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,471,000 | 5,200 |
| Total interest expense | $977,000 | 5,729 |
| Net interest income | $3,494,000 | 4,905 |
| Provision for loan and lease losses | $647,000 | 1,553 |
| Total noninterest income | $495,000 | 5,294 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $258,000 | 4,679 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $237,000 | 4,744 |
| Total noninterest expense | $2,808,000 | 4,896 |
| Salaries and employee benefits | $1,422,000 | 5,123 |
| Premises and equipment expense | $304,000 | 5,650 |
| Additional noninterest expense | $1,082,000 | 4,070 |
| Pre-tax net operating income | $534,000 | 6,613 |
| Securities gains (losses) | $13,000 | 2,682 |
| Applicable income taxes | $-2,000 | 8,531 |
| Income before extraordinary items | $549,000 | 6,161 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $549,000 | 6,165 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $472,000 | 1,404 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $536,000 | 6,136 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,376,000 | 5,163 |
| Total interest expense | $744,000 | 5,651 |
| Net interest income | $2,632,000 | 4,877 |
| Provision for loan and lease losses | $425,000 | 1,681 |
| Total noninterest income | $361,000 | 5,393 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $192,000 | 4,732 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $169,000 | 4,855 |
| Total noninterest expense | $2,174,000 | 4,725 |
| Salaries and employee benefits | $1,070,000 | 5,068 |
| Premises and equipment expense | $227,000 | 5,621 |
| Additional noninterest expense | $877,000 | 3,806 |
| Pre-tax net operating income | $394,000 | 6,768 |
| Securities gains (losses) | $3,000 | 3,253 |
| Applicable income taxes | $-3,000 | 8,680 |
| Income before extraordinary items | $400,000 | 6,323 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $400,000 | 6,323 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 1,914 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $397,000 | 6,264 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,266,000 | 5,153 |
| Total interest expense | $498,000 | 5,663 |
| Net interest income | $1,768,000 | 4,859 |
| Provision for loan and lease losses | $395,000 | 1,252 |
| Total noninterest income | $249,000 | 5,299 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $116,000 | 4,937 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $133,000 | 4,546 |
| Total noninterest expense | $1,422,000 | 4,817 |
| Salaries and employee benefits | $717,000 | 5,077 |
| Premises and equipment expense | $147,000 | 5,726 |
| Additional noninterest expense | $558,000 | 3,967 |
| Pre-tax net operating income | $200,000 | 7,185 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $-2,000 | 8,725 |
| Income before extraordinary items | $202,000 | 6,884 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $202,000 | 6,884 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,389 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $202,000 | 6,801 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,128,000 | 5,178 |
| Total interest expense | $251,000 | 5,695 |
| Net interest income | $877,000 | 4,889 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $113,000 | 5,490 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $52,000 | 5,121 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $61,000 | 4,708 |
| Total noninterest expense | $686,000 | 4,986 |
| Salaries and employee benefits | $329,000 | 5,418 |
| Premises and equipment expense | $80,000 | 5,517 |
| Additional noninterest expense | $277,000 | 3,998 |
| Pre-tax net operating income | $244,000 | 5,342 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $-2,000 | 8,796 |
| Income before extraordinary items | $246,000 | 4,798 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $246,000 | 4,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 8,115 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $246,000 | 4,680 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,507,000 | 5,235 |
| Total interest expense | $1,099,000 | 5,846 |
| Net interest income | $3,408,000 | 4,888 |
| Provision for loan and lease losses | $815,000 | 1,431 |
| Total noninterest income | $641,000 | 4,795 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $228,000 | 4,971 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $413,000 | 3,925 |
| Total noninterest expense | $2,834,000 | 4,790 |
| Salaries and employee benefits | $1,462,000 | 4,925 |
| Premises and equipment expense | $306,000 | 5,616 |
| Additional noninterest expense | $1,066,000 | 4,074 |
| Pre-tax net operating income | $400,000 | 7,044 |
| Securities gains (losses) | $-2,000 | 8,601 |
| Applicable income taxes | $90,000 | 5,823 |
| Income before extraordinary items | $308,000 | 7,247 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $308,000 | 7,248 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $786,000 | 1,115 |
| Cash dividends | $285,000 | 4,462 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 863 |
| Net operating income | $309,540 | 7,093 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,462,000 | 5,223 |
| Total interest expense | $845,000 | 5,912 |
| Net interest income | $2,617,000 | 4,809 |
| Provision for loan and lease losses | $410,000 | 1,983 |
| Total noninterest income | $547,000 | 4,475 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $174,000 | 4,953 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $373,000 | 3,660 |
| Total noninterest expense | $2,151,000 | 4,741 |
| Salaries and employee benefits | $1,112,000 | 4,868 |
| Premises and equipment expense | $219,000 | 5,725 |
| Additional noninterest expense | $820,000 | 3,988 |
| Pre-tax net operating income | $603,000 | 5,865 |
| Securities gains (losses) | $49,000 | 2,325 |
| Applicable income taxes | $219,000 | 4,507 |
| Income before extraordinary items | $433,000 | 6,174 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $433,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $589,000 | 1,027 |
| Cash dividends | $85,000 | 4,856 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 715 |
| Net operating income | $400,660 | 6,175 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,318,000 | 5,250 |
| Total interest expense | $568,000 | 5,997 |
| Net interest income | $1,750,000 | 4,805 |
| Provision for loan and lease losses | $315,000 | 1,727 |
| Total noninterest income | $279,000 | 5,179 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $112,000 | 4,996 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $167,000 | 4,364 |
| Total noninterest expense | $1,376,000 | 4,881 |
| Salaries and employee benefits | $698,000 | 5,097 |
| Premises and equipment expense | $149,000 | 5,669 |
| Additional noninterest expense | $529,000 | 4,062 |
| Pre-tax net operating income | $338,000 | 6,252 |
| Securities gains (losses) | $25,000 | 2,481 |
| Applicable income taxes | $117,000 | 4,904 |
| Income before extraordinary items | $246,000 | 6,553 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $246,000 | 6,553 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $584,000 | 767 |
| Cash dividends | $85,000 | 4,414 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 584 |
| Net operating income | $229,000 | 6,504 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,174,000 | 5,236 |
| Total interest expense | $298,000 | 5,952 |
| Net interest income | $876,000 | 4,782 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $110,000 | 5,671 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $51,000 | 5,142 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $59,000 | 4,952 |
| Total noninterest expense | $692,000 | 4,833 |
| Salaries and employee benefits | $346,000 | 5,136 |
| Premises and equipment expense | $78,000 | 5,518 |
| Additional noninterest expense | $268,000 | 4,001 |
| Pre-tax net operating income | $239,000 | 5,404 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $67,000 | 4,650 |
| Income before extraordinary items | $172,000 | 5,696 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $172,000 | 5,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $288,000 | 723 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $172,000 | 5,504 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $4,070,000 | 5,851 |
| Total interest expense | $1,247,000 | 6,318 |
| Net interest income | $2,823,000 | 5,489 |
| Provision for loan and lease losses | $4,000 | 8,000 |
| Total noninterest income | $435,000 | 5,575 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $209,000 | 5,101 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $226,000 | 4,786 |
| Total noninterest expense | $2,203,000 | 5,527 |
| Salaries and employee benefits | $1,044,000 | 5,973 |
| Premises and equipment expense | $218,000 | 6,549 |
| Additional noninterest expense | $941,000 | 4,384 |
| Pre-tax net operating income | $1,051,000 | 5,074 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $409,000 | 3,841 |
| Income before extraordinary items | $642,000 | 5,785 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $642,000 | 5,784 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 5,273 |
| Cash dividends | $200,000 | 4,872 |
| Sale, conversion, retirement of capital stock, net | $4,900,000 | 167 |
| Net operating income | $642,000 | 5,656 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,537,000 | 6,748 |
| Total interest expense | $1,523,000 | 6,931 |
| Net interest income | $2,014,000 | 6,415 |
| Provision for loan and lease losses | $-80,000 | 9,522 |
| Total noninterest income | $264,000 | 6,730 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $162,000 | 5,640 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $102,000 | 6,397 |
| Total noninterest expense | $1,439,000 | 6,923 |
| Salaries and employee benefits | $729,000 | 7,068 |
| Premises and equipment expense | $144,000 | 7,624 |
| Additional noninterest expense | $566,000 | 6,053 |
| Pre-tax net operating income | $919,000 | 5,126 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $409,000 | 3,690 |
| Income before extraordinary items | $510,000 | 6,024 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $510,000 | 6,025 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $51,000 | 5,124 |
| Cash dividends | $260,000 | 4,610 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $510,000 | 5,909 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,683,000 | 6,748 |
| Total interest expense | $1,554,000 | 7,052 |
| Net interest income | $2,129,000 | 6,378 |
| Provision for loan and lease losses | $56,000 | 6,380 |
| Total noninterest income | $261,000 | 6,659 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $146,000 | 5,824 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $115,000 | 6,102 |
| Total noninterest expense | $1,311,000 | 7,213 |
| Salaries and employee benefits | $670,000 | 7,337 |
| Premises and equipment expense | $163,000 | 7,358 |
| Additional noninterest expense | $478,000 | 6,598 |
| Pre-tax net operating income | $1,023,000 | 5,196 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $452,000 | 3,726 |
| Income before extraordinary items | $571,000 | 5,977 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $571,000 | 5,975 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,481 |
| Cash dividends | $700,000 | 2,901 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $571,000 | 5,986 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,424,000 | 6,904 |
| Total interest expense | $1,432,000 | 7,123 |
| Net interest income | $1,992,000 | 6,658 |
| Provision for loan and lease losses | $159,000 | 4,140 |
| Total noninterest income | $260,000 | 6,844 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $136,000 | 6,068 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $124,000 | 6,094 |
| Total noninterest expense | $1,224,000 | 7,511 |
| Salaries and employee benefits | $633,000 | 7,578 |
| Premises and equipment expense | $160,000 | 7,502 |
| Additional noninterest expense | $431,000 | 7,042 |
| Pre-tax net operating income | $869,000 | 5,693 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $391,000 | 4,231 |
| Income before extraordinary items | $478,000 | 6,555 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $478,000 | 6,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,353 |
| Cash dividends | $400,000 | 3,903 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $478,000 | 6,530 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,416,000 | 7,044 |
| Total interest expense | $1,476,000 | 7,241 |
| Net interest income | $1,940,000 | 6,784 |
| Provision for loan and lease losses | $311,000 | 2,517 |
| Total noninterest income | $278,000 | 6,684 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $147,000 | 5,989 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $131,000 | 5,996 |
| Total noninterest expense | $1,178,000 | 7,603 |
| Salaries and employee benefits | $617,000 | 7,662 |
| Premises and equipment expense | $144,000 | 7,784 |
| Additional noninterest expense | $417,000 | 7,080 |
| Pre-tax net operating income | $729,000 | 6,378 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $335,000 | 4,884 |
| Income before extraordinary items | $394,000 | 7,257 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $394,000 | 7,254 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 4,805 |
| Cash dividends | $220,000 | 5,201 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $394,000 | 7,167 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,216,000 | 7,486 |
| Total interest expense | $1,404,000 | 7,574 |
| Net interest income | $1,812,000 | 7,295 |
| Provision for loan and lease losses | $84,000 | 5,567 |
| Total noninterest income | $248,000 | 7,239 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $139,000 | 6,373 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $109,000 | 6,540 |
| Total noninterest expense | $1,156,000 | 7,835 |
| Salaries and employee benefits | $594,000 | 7,959 |
| Premises and equipment expense | $159,000 | 7,611 |
| Additional noninterest expense | $403,000 | 7,321 |
| Pre-tax net operating income | $820,000 | 6,458 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $365,000 | 5,169 |
| Income before extraordinary items | $455,000 | 7,263 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $455,000 | 7,266 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $200,000 | 5,346 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $455,000 | 7,216 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,876,000 | 8,167 |
| Total interest expense | $1,202,000 | 8,370 |
| Net interest income | $1,674,000 | 7,846 |
| Provision for loan and lease losses | $28,000 | 7,549 |
| Total noninterest income | $548,000 | 4,853 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $127,000 | 6,933 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $421,000 | 3,296 |
| Total noninterest expense | $1,059,000 | 8,472 |
| Salaries and employee benefits | $550,000 | 8,488 |
| Premises and equipment expense | $123,000 | 8,728 |
| Additional noninterest expense | $386,000 | 8,000 |
| Pre-tax net operating income | $1,135,000 | 5,303 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $511,000 | 4,086 |
| Income before extraordinary items | $624,000 | 6,127 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $624,000 | 6,130 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 7,694 |
| Cash dividends | $200,000 | 5,388 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $624,000 | 6,073 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $569,000 | 11,738 |
| Total interest expense | $252,000 | 11,665 |
| Net interest income | $317,000 | 11,744 |
| Provision for loan and lease losses | $6,000 | 8,588 |
| Total noninterest income | $39,000 | 11,528 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $27,000 | 9,864 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $12,000 | 11,383 |
| Total noninterest expense | $229,000 | 11,842 |
| Salaries and employee benefits | $124,000 | 11,814 |
| Premises and equipment expense | $30,000 | 11,619 |
| Additional noninterest expense | $75,000 | 11,789 |
| Pre-tax net operating income | $121,000 | 10,971 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $59,000 | 9,999 |
| Income before extraordinary items | $62,000 | 11,217 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $62,000 | 11,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,178 |
| Cash dividends | $1,000,000 | 2,009 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $62,000 | 11,187 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,620,000 | 8,694 |
| Total interest expense | $1,032,000 | 8,551 |
| Net interest income | $1,588,000 | 8,615 |
| Provision for loan and lease losses | $12,000 | 8,270 |
| Total noninterest income | $193,000 | 8,852 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $112,000 | 7,785 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $81,000 | 8,198 |
| Total noninterest expense | $1,152,000 | 8,804 |
| Salaries and employee benefits | $661,000 | 8,188 |
| Premises and equipment expense | $160,000 | 8,293 |
| Additional noninterest expense | $331,000 | 9,586 |
| Pre-tax net operating income | $617,000 | 7,909 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $227,000 | 6,901 |
| Income before extraordinary items | $390,000 | 8,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $390,000 | 8,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,320 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $390,000 | 8,329 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,642,000 | 8,923 |
| Total interest expense | $984,000 | 9,180 |
| Net interest income | $1,658,000 | 8,617 |
| Provision for loan and lease losses | $42,000 | 7,871 |
| Total noninterest income | $164,000 | 9,940 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $100,000 | 8,366 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,332 |
| Total noninterest expense | $1,172,000 | 9,001 |
| Salaries and employee benefits | $662,000 | 8,283 |
| Premises and equipment expense | $149,000 | 8,943 |
| Additional noninterest expense | $361,000 | 9,718 |
| Pre-tax net operating income | $608,000 | 7,894 |
| Securities gains (losses) | $-11,000 | 12,798 |
| Applicable income taxes | $218,000 | 7,290 |
| Income before extraordinary items | $379,000 | 8,647 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $379,000 | 8,804 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 8,678 |
| Cash dividends | $220,000 | 5,198 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $386,040 | 8,314 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,900,000 | 9,146 |
| Total interest expense | $1,230,000 | 9,498 |
| Net interest income | $1,670,000 | 8,745 |
| Provision for loan and lease losses | $62,000 | 8,472 |
| Total noninterest income | $162,000 | 10,242 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $96,000 | 8,631 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $1,173,000 | 9,167 |
| Salaries and employee benefits | $658,000 | 8,321 |
| Premises and equipment expense | $164,000 | 8,734 |
| Additional noninterest expense | $351,000 | 10,182 |
| Pre-tax net operating income | $597,000 | 7,733 |
| Securities gains (losses) | $8,000 | 6,653 |
| Applicable income taxes | $214,000 | 7,296 |
| Income before extraordinary items | $391,000 | 8,309 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $391,000 | 8,434 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 8,127 |
| Cash dividends | $230,000 | 4,689 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $385,800 | 8,005 |
* 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.