Home > First Federal Bank of North Florida > Income and Expense
First Federal Bank of North Florida, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,780,000 | 1,692 |
| Total interest expense | $1,823,000 | 1,278 |
| Net interest income | $2,957,000 | 1,920 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $59,000 | 5,899 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $59,000 | 4,409 |
| Total noninterest expense | $2,714,000 | 1,835 |
| Salaries and employee benefits | $1,198,000 | 2,055 |
| Premises and equipment expense | $618,000 | 1,111 |
| Additional noninterest expense | $898,000 | 1,906 |
| Pre-tax net operating income | $302,000 | 3,338 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $97,000 | 2,156 |
| Income before extraordinary items | $205,000 | 3,833 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $205,000 | 3,830 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $205,000 | 3,832 |
| Net charge-offs | $706,000 | 1,318 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $205,000 | 3,715 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $22,289,000 | 1,536 |
| Total interest expense | $10,504,000 | 1,130 |
| Net interest income | $11,785,000 | 1,885 |
| Provision for loan and lease losses | $37,192,000 | 314 |
| Total noninterest income | $-617,000 | 7,897 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-617,000 | 7,827 |
| Total noninterest expense | $11,483,000 | 1,775 |
| Salaries and employee benefits | $6,184,000 | 1,611 |
| Premises and equipment expense | $2,739,000 | 992 |
| Additional noninterest expense | $2,560,000 | 2,694 |
| Pre-tax net operating income | $-37,507,000 | 7,831 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $-14,179,000 | 7,897 |
| Income before extraordinary items | $-23,328,000 | 7,767 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-23,328,000 | 7,766 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-23,328,000 | 7,766 |
| Net charge-offs | $26,404,000 | 322 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-23,328,000 | 7,772 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,254,000 | 1,522 |
| Total interest expense | $8,197,000 | 1,138 |
| Net interest income | $9,057,000 | 1,836 |
| Provision for loan and lease losses | $17,479,000 | 430 |
| Total noninterest income | $-47,000 | 7,888 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-47,000 | 7,752 |
| Total noninterest expense | $7,887,000 | 1,911 |
| Salaries and employee benefits | $4,158,000 | 1,812 |
| Premises and equipment expense | $2,006,000 | 1,025 |
| Additional noninterest expense | $1,723,000 | 2,930 |
| Pre-tax net operating income | $-16,356,000 | 7,842 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $-6,203,000 | 7,924 |
| Income before extraordinary items | $-10,153,000 | 7,786 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-10,153,000 | 7,784 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-10,153,000 | 7,785 |
| Net charge-offs | $12,955,000 | 428 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-10,153,000 | 7,788 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,718,000 | 1,529 |
| Total interest expense | $5,682,000 | 1,162 |
| Net interest income | $6,036,000 | 1,838 |
| Provision for loan and lease losses | $8,358,000 | 512 |
| Total noninterest income | $143,000 | 5,801 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $143,000 | 4,208 |
| Total noninterest expense | $5,398,000 | 1,906 |
| Salaries and employee benefits | $2,883,000 | 1,765 |
| Premises and equipment expense | $1,372,000 | 1,024 |
| Additional noninterest expense | $1,143,000 | 2,950 |
| Pre-tax net operating income | $-7,577,000 | 7,854 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-2,883,000 | 7,966 |
| Income before extraordinary items | $-4,694,000 | 7,785 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-4,694,000 | 7,784 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-4,694,000 | 7,784 |
| Net charge-offs | $4,118,000 | 670 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-4,694,000 | 7,795 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,044,000 | 1,502 |
| Total interest expense | $2,977,000 | 1,148 |
| Net interest income | $3,067,000 | 1,811 |
| Provision for loan and lease losses | $2,134,000 | 719 |
| Total noninterest income | $-42,000 | 8,130 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-42,000 | 8,070 |
| Total noninterest expense | $2,673,000 | 1,862 |
| Salaries and employee benefits | $1,493,000 | 1,738 |
| Premises and equipment expense | $703,000 | 1,015 |
| Additional noninterest expense | $477,000 | 3,126 |
| Pre-tax net operating income | $-1,782,000 | 7,792 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $-687,000 | 7,930 |
| Income before extraordinary items | $-1,095,000 | 7,729 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-1,095,000 | 7,732 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-1,095,000 | 7,731 |
| Net charge-offs | $1,443,000 | 757 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,095,000 | 7,725 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $26,119,000 | 1,487 |
| Total interest expense | $13,641,000 | 1,188 |
| Net interest income | $12,478,000 | 1,786 |
| Provision for loan and lease losses | $5,974,000 | 886 |
| Total noninterest income | $884,000 | 3,663 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $884,000 | 2,317 |
| Total noninterest expense | $9,907,000 | 1,945 |
| Salaries and employee benefits | $5,833,000 | 1,748 |
| Premises and equipment expense | $2,629,000 | 1,062 |
| Additional noninterest expense | $1,445,000 | 3,727 |
| Pre-tax net operating income | $-2,519,000 | 7,494 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,008,000 | 7,709 |
| Income before extraordinary items | $-1,511,000 | 7,211 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-1,511,000 | 7,208 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,522,000 | 634 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-1,511,000 | 7,322 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,981,000 | 1,494 |
| Total interest expense | $10,592,000 | 1,194 |
| Net interest income | $9,389,000 | 1,794 |
| Provision for loan and lease losses | $2,600,000 | 994 |
| Total noninterest income | $708,000 | 3,615 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $708,000 | 2,304 |
| Total noninterest expense | $7,159,000 | 2,003 |
| Salaries and employee benefits | $4,317,000 | 1,801 |
| Premises and equipment expense | $1,897,000 | 1,103 |
| Additional noninterest expense | $945,000 | 4,042 |
| Pre-tax net operating income | $338,000 | 5,494 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $79,000 | 3,795 |
| Income before extraordinary items | $259,000 | 5,398 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $259,000 | 5,395 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 1,687 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $259,000 | 5,573 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,640,000 | 1,480 |
| Total interest expense | $7,335,000 | 1,197 |
| Net interest income | $6,305,000 | 1,772 |
| Provision for loan and lease losses | $500,000 | 1,907 |
| Total noninterest income | $500,000 | 3,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $500,000 | 2,246 |
| Total noninterest expense | $4,699,000 | 2,040 |
| Salaries and employee benefits | $2,912,000 | 1,789 |
| Premises and equipment expense | $1,211,000 | 1,143 |
| Additional noninterest expense | $576,000 | 4,307 |
| Pre-tax net operating income | $1,606,000 | 2,058 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $573,000 | 1,445 |
| Income before extraordinary items | $1,033,000 | 2,504 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,033,000 | 2,504 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 3,962 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,033,000 | 2,466 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,030,000 | 1,472 |
| Total interest expense | $3,783,000 | 1,239 |
| Net interest income | $3,247,000 | 1,710 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $243,000 | 3,580 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $243,000 | 2,272 |
| Total noninterest expense | $2,379,000 | 2,014 |
| Salaries and employee benefits | $1,495,000 | 1,761 |
| Premises and equipment expense | $605,000 | 1,151 |
| Additional noninterest expense | $279,000 | 4,347 |
| Pre-tax net operating income | $1,111,000 | 1,624 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $402,000 | 1,189 |
| Income before extraordinary items | $709,000 | 2,014 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $709,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 3,100 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $709,000 | 1,952 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $27,966,000 | 1,537 |
| Total interest expense | $14,907,000 | 1,339 |
| Net interest income | $13,059,000 | 1,736 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $988,000 | 3,561 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $988,000 | 2,233 |
| Total noninterest expense | $9,842,000 | 1,878 |
| Salaries and employee benefits | $6,425,000 | 1,574 |
| Premises and equipment expense | $2,368,000 | 1,122 |
| Additional noninterest expense | $1,049,000 | 4,497 |
| Pre-tax net operating income | $4,205,000 | 1,897 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,528,000 | 1,406 |
| Income before extraordinary items | $2,677,000 | 2,227 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,677,000 | 2,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,567 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,677,000 | 2,220 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $20,764,000 | 1,562 |
| Total interest expense | $10,983,000 | 1,371 |
| Net interest income | $9,781,000 | 1,738 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $655,000 | 3,833 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $655,000 | 2,428 |
| Total noninterest expense | $7,030,000 | 1,956 |
| Salaries and employee benefits | $4,599,000 | 1,640 |
| Premises and equipment expense | $1,659,000 | 1,189 |
| Additional noninterest expense | $772,000 | 4,491 |
| Pre-tax net operating income | $3,406,000 | 1,890 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,243,000 | 1,409 |
| Income before extraordinary items | $2,163,000 | 2,228 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,163,000 | 2,226 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 2,478 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,163,000 | 2,215 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $13,688,000 | 1,589 |
| Total interest expense | $7,195,000 | 1,401 |
| Net interest income | $6,493,000 | 1,771 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $481,000 | 3,635 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $481,000 | 2,312 |
| Total noninterest expense | $4,809,000 | 1,915 |
| Salaries and employee benefits | $3,159,000 | 1,631 |
| Premises and equipment expense | $1,113,000 | 1,199 |
| Additional noninterest expense | $537,000 | 4,350 |
| Pre-tax net operating income | $2,165,000 | 2,024 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $792,000 | 1,498 |
| Income before extraordinary items | $1,373,000 | 2,366 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,373,000 | 2,366 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,237 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,373,000 | 2,350 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $6,833,000 | 1,597 |
| Total interest expense | $3,524,000 | 1,413 |
| Net interest income | $3,309,000 | 1,738 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $228,000 | 3,746 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $228,000 | 2,357 |
| Total noninterest expense | $2,503,000 | 1,842 |
| Salaries and employee benefits | $1,666,000 | 1,562 |
| Premises and equipment expense | $571,000 | 1,186 |
| Additional noninterest expense | $266,000 | 4,336 |
| Pre-tax net operating income | $1,034,000 | 2,107 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $382,000 | 1,574 |
| Income before extraordinary items | $652,000 | 2,469 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $652,000 | 2,469 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 2,733 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $652,000 | 2,445 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $24,141,000 | 1,670 |
| Total interest expense | $11,264,000 | 1,491 |
| Net interest income | $12,877,000 | 1,792 |
| Provision for loan and lease losses | $68,000 | 5,202 |
| Total noninterest income | $1,090,000 | 3,350 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,090,000 | 2,094 |
| Total noninterest expense | $9,118,000 | 1,935 |
| Salaries and employee benefits | $5,723,000 | 1,706 |
| Premises and equipment expense | $2,289,000 | 1,120 |
| Additional noninterest expense | $1,106,000 | 4,193 |
| Pre-tax net operating income | $4,781,000 | 1,969 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,771,000 | 1,464 |
| Income before extraordinary items | $3,010,000 | 2,276 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,010,000 | 2,278 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 4,393 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,010,000 | 2,254 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $17,616,000 | 1,707 |
| Total interest expense | $7,991,000 | 1,531 |
| Net interest income | $9,625,000 | 1,817 |
| Provision for loan and lease losses | $68,000 | 4,698 |
| Total noninterest income | $843,000 | 3,283 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $843,000 | 2,056 |
| Total noninterest expense | $6,592,000 | 2,002 |
| Salaries and employee benefits | $4,049,000 | 1,816 |
| Premises and equipment expense | $1,709,000 | 1,127 |
| Additional noninterest expense | $834,000 | 4,151 |
| Pre-tax net operating income | $3,808,000 | 1,925 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,413,000 | 1,455 |
| Income before extraordinary items | $2,395,000 | 2,221 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,395,000 | 2,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,110 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,395,000 | 2,215 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,505,000 | 1,699 |
| Total interest expense | $5,035,000 | 1,545 |
| Net interest income | $6,470,000 | 1,800 |
| Provision for loan and lease losses | $68,000 | 3,941 |
| Total noninterest income | $580,000 | 3,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $580,000 | 2,012 |
| Total noninterest expense | $4,349,000 | 2,020 |
| Salaries and employee benefits | $2,667,000 | 1,839 |
| Premises and equipment expense | $1,107,000 | 1,159 |
| Additional noninterest expense | $575,000 | 4,042 |
| Pre-tax net operating income | $2,633,000 | 1,871 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $977,000 | 1,427 |
| Income before extraordinary items | $1,656,000 | 2,163 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,656,000 | 2,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-7,000 | 7,609 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,656,000 | 2,151 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,567,000 | 1,709 |
| Total interest expense | $2,327,000 | 1,586 |
| Net interest income | $3,240,000 | 1,784 |
| Provision for loan and lease losses | $68,000 | 2,673 |
| Total noninterest income | $285,000 | 3,189 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $285,000 | 2,017 |
| Total noninterest expense | $2,182,000 | 2,024 |
| Salaries and employee benefits | $1,298,000 | 1,890 |
| Premises and equipment expense | $543,000 | 1,187 |
| Additional noninterest expense | $341,000 | 3,517 |
| Pre-tax net operating income | $1,275,000 | 1,877 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $473,000 | 1,461 |
| Income before extraordinary items | $802,000 | 2,182 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $802,000 | 2,182 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 7,977 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $802,000 | 2,161 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,222,000 | 1,850 |
| Total interest expense | $6,452,000 | 1,758 |
| Net interest income | $11,770,000 | 1,873 |
| Provision for loan and lease losses | $517,000 | 1,848 |
| Total noninterest income | $1,281,000 | 2,991 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,281,000 | 1,866 |
| Total noninterest expense | $7,821,000 | 2,133 |
| Salaries and employee benefits | $4,640,000 | 1,983 |
| Premises and equipment expense | $1,930,000 | 1,273 |
| Additional noninterest expense | $1,251,000 | 3,737 |
| Pre-tax net operating income | $4,713,000 | 1,951 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,689,000 | 1,558 |
| Income before extraordinary items | $3,024,000 | 2,230 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,024,000 | 2,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,752 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,024,000 | 2,194 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $13,122,000 | 1,874 |
| Total interest expense | $4,457,000 | 1,801 |
| Net interest income | $8,665,000 | 1,894 |
| Provision for loan and lease losses | $365,000 | 1,851 |
| Total noninterest income | $1,022,000 | 2,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,022,000 | 1,793 |
| Total noninterest expense | $5,742,000 | 2,156 |
| Salaries and employee benefits | $3,431,000 | 1,985 |
| Premises and equipment expense | $1,385,000 | 1,319 |
| Additional noninterest expense | $926,000 | 3,721 |
| Pre-tax net operating income | $3,580,000 | 1,957 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,348,000 | 1,502 |
| Income before extraordinary items | $2,232,000 | 2,285 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,232,000 | 2,285 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 2,196 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,232,000 | 2,244 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $8,514,000 | 1,874 |
| Total interest expense | $2,778,000 | 1,811 |
| Net interest income | $5,736,000 | 1,892 |
| Provision for loan and lease losses | $280,000 | 1,629 |
| Total noninterest income | $633,000 | 2,978 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $633,000 | 1,860 |
| Total noninterest expense | $3,738,000 | 2,196 |
| Salaries and employee benefits | $2,186,000 | 2,074 |
| Premises and equipment expense | $919,000 | 1,308 |
| Additional noninterest expense | $633,000 | 3,641 |
| Pre-tax net operating income | $2,351,000 | 1,934 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $885,000 | 1,499 |
| Income before extraordinary items | $1,466,000 | 2,271 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,466,000 | 2,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 1,551 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,466,000 | 2,240 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,123,000 | 1,881 |
| Total interest expense | $1,327,000 | 1,796 |
| Net interest income | $2,796,000 | 1,924 |
| Provision for loan and lease losses | $70,000 | 2,663 |
| Total noninterest income | $288,000 | 3,146 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $288,000 | 1,935 |
| Total noninterest expense | $1,898,000 | 2,176 |
| Salaries and employee benefits | $1,096,000 | 2,085 |
| Premises and equipment expense | $456,000 | 1,329 |
| Additional noninterest expense | $346,000 | 3,398 |
| Pre-tax net operating income | $1,116,000 | 1,982 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $420,000 | 1,553 |
| Income before extraordinary items | $696,000 | 2,340 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $696,000 | 2,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 4,232 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $696,000 | 2,302 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $14,441,000 | 1,960 |
| Total interest expense | $4,290,000 | 1,898 |
| Net interest income | $10,151,000 | 1,999 |
| Provision for loan and lease losses | $340,000 | 2,675 |
| Total noninterest income | $1,311,000 | 2,936 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,311,000 | 1,792 |
| Total noninterest expense | $7,026,000 | 2,277 |
| Salaries and employee benefits | $3,978,000 | 2,187 |
| Premises and equipment expense | $1,845,000 | 1,235 |
| Additional noninterest expense | $1,203,000 | 3,735 |
| Pre-tax net operating income | $4,096,000 | 2,025 |
| Securities gains (losses) | $328,000 | 598 |
| Applicable income taxes | $1,667,000 | 1,480 |
| Income before extraordinary items | $2,757,000 | 2,230 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,757,000 | 2,231 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,996 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,547,080 | 2,334 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $10,545,000 | 1,991 |
| Total interest expense | $3,067,000 | 1,952 |
| Net interest income | $7,478,000 | 2,010 |
| Provision for loan and lease losses | $244,000 | 2,616 |
| Total noninterest income | $1,005,000 | 2,916 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,005,000 | 1,763 |
| Total noninterest expense | $5,525,000 | 2,152 |
| Salaries and employee benefits | $3,226,000 | 2,017 |
| Premises and equipment expense | $1,374,000 | 1,254 |
| Additional noninterest expense | $925,000 | 3,631 |
| Pre-tax net operating income | $2,714,000 | 2,236 |
| Securities gains (losses) | $328,000 | 562 |
| Applicable income taxes | $1,134,000 | 1,605 |
| Income before extraordinary items | $1,908,000 | 2,422 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,908,000 | 2,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,496 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,698,080 | 2,614 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $6,804,000 | 2,040 |
| Total interest expense | $1,905,000 | 2,075 |
| Net interest income | $4,899,000 | 2,035 |
| Provision for loan and lease losses | $189,000 | 2,309 |
| Total noninterest income | $665,000 | 2,947 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $665,000 | 1,787 |
| Total noninterest expense | $3,654,000 | 2,171 |
| Salaries and employee benefits | $2,127,000 | 2,050 |
| Premises and equipment expense | $889,000 | 1,292 |
| Additional noninterest expense | $638,000 | 3,558 |
| Pre-tax net operating income | $1,721,000 | 2,307 |
| Securities gains (losses) | $326,000 | 460 |
| Applicable income taxes | $763,000 | 1,582 |
| Income before extraordinary items | $1,284,000 | 2,372 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,284,000 | 2,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,878 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,075,360 | 2,690 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,460,000 | 2,023 |
| Total interest expense | $912,000 | 2,181 |
| Net interest income | $2,548,000 | 1,959 |
| Provision for loan and lease losses | $123,000 | 1,774 |
| Total noninterest income | $364,000 | 2,709 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $364,000 | 1,643 |
| Total noninterest expense | $1,848,000 | 2,169 |
| Salaries and employee benefits | $1,086,000 | 2,028 |
| Premises and equipment expense | $445,000 | 1,310 |
| Additional noninterest expense | $317,000 | 3,581 |
| Pre-tax net operating income | $941,000 | 2,121 |
| Securities gains (losses) | $326,000 | 351 |
| Applicable income taxes | $473,000 | 1,353 |
| Income before extraordinary items | $794,000 | 1,967 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $794,000 | 1,967 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,873 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $585,360 | 2,473 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $13,734,000 | 2,073 |
| Total interest expense | $4,912,000 | 1,822 |
| Net interest income | $8,822,000 | 2,195 |
| Provision for loan and lease losses | $194,000 | 4,098 |
| Total noninterest income | $1,380,000 | 3,003 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,380,000 | 1,931 |
| Total noninterest expense | $7,562,000 | 2,083 |
| Salaries and employee benefits | $4,638,000 | 1,858 |
| Premises and equipment expense | $1,816,000 | 1,244 |
| Additional noninterest expense | $1,108,000 | 3,956 |
| Pre-tax net operating income | $2,446,000 | 2,936 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $955,000 | 2,246 |
| Income before extraordinary items | $1,491,000 | 3,573 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,491,000 | 3,572 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,052 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,491,000 | 3,422 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $10,379,000 | 2,086 |
| Total interest expense | $3,825,000 | 1,828 |
| Net interest income | $6,554,000 | 2,227 |
| Provision for loan and lease losses | $95,000 | 4,748 |
| Total noninterest income | $1,072,000 | 2,989 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,072,000 | 1,953 |
| Total noninterest expense | $5,786,000 | 2,051 |
| Salaries and employee benefits | $3,562,000 | 1,824 |
| Premises and equipment expense | $1,346,000 | 1,265 |
| Additional noninterest expense | $878,000 | 3,779 |
| Pre-tax net operating income | $1,745,000 | 3,150 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $658,000 | 2,491 |
| Income before extraordinary items | $1,087,000 | 3,784 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,087,000 | 3,783 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-35,000 | 8,859 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,087,000 | 3,613 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $6,970,000 | 2,090 |
| Total interest expense | $2,608,000 | 1,845 |
| Net interest income | $4,362,000 | 2,233 |
| Provision for loan and lease losses | $56,000 | 5,002 |
| Total noninterest income | $793,000 | 2,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $793,000 | 1,793 |
| Total noninterest expense | $4,012,000 | 1,967 |
| Salaries and employee benefits | $2,508,000 | 1,709 |
| Premises and equipment expense | $885,000 | 1,300 |
| Additional noninterest expense | $619,000 | 3,622 |
| Pre-tax net operating income | $1,087,000 | 3,316 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $410,000 | 2,636 |
| Income before extraordinary items | $677,000 | 3,957 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $677,000 | 3,957 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-40,000 | 8,945 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $677,000 | 3,777 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 2,078 |
| Total interest expense | $1,325,000 | 1,860 |
| Net interest income | $2,209,000 | 2,202 |
| Provision for loan and lease losses | $67,000 | 3,113 |
| Total noninterest income | $351,000 | 2,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $351,000 | 1,895 |
| Total noninterest expense | $1,754,000 | 2,228 |
| Salaries and employee benefits | $999,000 | 2,115 |
| Premises and equipment expense | $435,000 | 1,327 |
| Additional noninterest expense | $320,000 | 3,457 |
| Pre-tax net operating income | $739,000 | 2,633 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $279,000 | 2,152 |
| Income before extraordinary items | $460,000 | 3,131 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $460,000 | 3,129 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,961 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $460,000 | 2,972 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $14,896,000 | 2,069 |
| Total interest expense | $6,321,000 | 1,804 |
| Net interest income | $8,575,000 | 2,257 |
| Provision for loan and lease losses | $-330,000 | 9,321 |
| Total noninterest income | $1,166,000 | 3,135 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,166,000 | 1,976 |
| Total noninterest expense | $7,165,000 | 2,095 |
| Salaries and employee benefits | $3,977,000 | 2,005 |
| Premises and equipment expense | $1,880,000 | 1,178 |
| Additional noninterest expense | $1,308,000 | 3,352 |
| Pre-tax net operating income | $2,906,000 | 2,564 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $1,043,000 | 2,145 |
| Income before extraordinary items | $1,863,000 | 2,954 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,863,000 | 2,952 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,875 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,863,000 | 2,867 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $16,407,000 | 2,093 |
| Total interest expense | $9,305,000 | 1,744 |
| Net interest income | $7,102,000 | 2,513 |
| Provision for loan and lease losses | $414,000 | 2,553 |
| Total noninterest income | $1,290,000 | 2,792 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,290,000 | 1,717 |
| Total noninterest expense | $7,223,000 | 1,987 |
| Salaries and employee benefits | $3,772,000 | 1,993 |
| Premises and equipment expense | $1,945,000 | 1,094 |
| Additional noninterest expense | $1,506,000 | 2,860 |
| Pre-tax net operating income | $755,000 | 5,637 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $286,000 | 4,366 |
| Income before extraordinary items | $469,000 | 6,216 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $469,000 | 6,218 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $78,000 | 4,455 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $469,000 | 6,098 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $16,476,000 | 2,136 |
| Total interest expense | $9,443,000 | 1,824 |
| Net interest income | $7,033,000 | 2,532 |
| Provision for loan and lease losses | $180,000 | 3,942 |
| Total noninterest income | $1,233,000 | 2,702 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,233,000 | 1,625 |
| Total noninterest expense | $7,231,000 | 1,925 |
| Salaries and employee benefits | $3,736,000 | 1,925 |
| Premises and equipment expense | $1,967,000 | 1,014 |
| Additional noninterest expense | $1,528,000 | 2,765 |
| Pre-tax net operating income | $855,000 | 5,682 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $273,000 | 4,785 |
| Income before extraordinary items | $582,000 | 5,934 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $582,000 | 5,932 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 4,928 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $582,000 | 5,944 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $14,444,000 | 2,255 |
| Total interest expense | $7,857,000 | 1,914 |
| Net interest income | $6,587,000 | 2,658 |
| Provision for loan and lease losses | $180,000 | 3,760 |
| Total noninterest income | $1,382,000 | 2,427 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,382,000 | 1,475 |
| Total noninterest expense | $6,308,000 | 2,155 |
| Salaries and employee benefits | $3,482,000 | 2,011 |
| Premises and equipment expense | $1,539,000 | 1,317 |
| Additional noninterest expense | $1,287,000 | 3,239 |
| Pre-tax net operating income | $1,481,000 | 4,130 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $557,000 | 3,392 |
| Income before extraordinary items | $924,000 | 4,670 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $924,000 | 4,671 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $147,000 | 2,895 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $924,000 | 4,633 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $14,273,000 | 2,282 |
| Total interest expense | $8,089,000 | 1,886 |
| Net interest income | $6,184,000 | 2,773 |
| Provision for loan and lease losses | $180,000 | 3,728 |
| Total noninterest income | $1,058,000 | 2,959 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,058,000 | 1,780 |
| Total noninterest expense | $5,271,000 | 2,466 |
| Salaries and employee benefits | $2,983,000 | 2,261 |
| Premises and equipment expense | $1,187,000 | 1,657 |
| Additional noninterest expense | $1,101,000 | 3,622 |
| Pre-tax net operating income | $1,791,000 | 3,649 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $674,000 | 3,120 |
| Income before extraordinary items | $1,117,000 | 4,136 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,117,000 | 4,135 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,117,000 | 4,044 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $13,359,000 | 2,453 |
| Total interest expense | $7,685,000 | 1,999 |
| Net interest income | $5,674,000 | 3,074 |
| Provision for loan and lease losses | $180,000 | 3,648 |
| Total noninterest income | $564,000 | 4,608 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $564,000 | 2,606 |
| Total noninterest expense | $4,328,000 | 2,938 |
| Salaries and employee benefits | $2,360,000 | 2,802 |
| Premises and equipment expense | $1,040,000 | 1,910 |
| Additional noninterest expense | $928,000 | 4,189 |
| Pre-tax net operating income | $1,730,000 | 3,984 |
| Securities gains (losses) | $228,000 | 656 |
| Applicable income taxes | $744,000 | 3,097 |
| Income before extraordinary items | $1,214,000 | 4,008 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,214,000 | 4,007 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $102,000 | 3,790 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,068,080 | 4,396 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,777,000 | 2,801 |
| Total interest expense | $6,480,000 | 2,383 |
| Net interest income | $5,297,000 | 3,347 |
| Provision for loan and lease losses | $216,000 | 3,242 |
| Total noninterest income | $502,000 | 5,141 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $502,000 | 2,914 |
| Total noninterest expense | $5,092,000 | 2,682 |
| Salaries and employee benefits | $2,132,000 | 3,139 |
| Premises and equipment expense | $974,000 | 2,066 |
| Additional noninterest expense | $1,986,000 | 2,475 |
| Pre-tax net operating income | $491,000 | 7,993 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $-4,000 | 10,909 |
| Income before extraordinary items | $495,000 | 6,937 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $495,000 | 6,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 4,783 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $495,000 | 6,871 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,235,000 | 2,961 |
| Total interest expense | $6,530,000 | 2,379 |
| Net interest income | $4,705,000 | 3,737 |
| Provision for loan and lease losses | $-92,000 | 11,688 |
| Total noninterest income | $538,000 | 4,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $538,000 | 2,736 |
| Total noninterest expense | $4,382,000 | 3,059 |
| Salaries and employee benefits | $2,258,000 | 2,948 |
| Premises and equipment expense | $976,000 | 2,061 |
| Additional noninterest expense | $1,148,000 | 3,899 |
| Pre-tax net operating income | $953,000 | 6,185 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $253,000 | 6,605 |
| Income before extraordinary items | $700,000 | 5,996 |
| Extraordinary gains, net | $-187,000 | 11,943 |
| Net income | $513,000 | 7,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 3,985 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $700,000 | 5,976 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,550,000 | 2,879 |
| Total interest expense | $5,220,000 | 2,364 |
| Net interest income | $5,330,000 | 3,363 |
| Provision for loan and lease losses | $420,000 | 1,753 |
| Total noninterest income | $598,000 | 4,677 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $598,000 | 2,583 |
| Total noninterest expense | $4,218,000 | 3,251 |
| Salaries and employee benefits | $2,290,000 | 2,886 |
| Premises and equipment expense | $941,000 | 2,149 |
| Additional noninterest expense | $987,000 | 4,756 |
| Pre-tax net operating income | $1,290,000 | 4,969 |
| Securities gains (losses) | $-48,000 | 10,996 |
| Applicable income taxes | $783,000 | 2,826 |
| Income before extraordinary items | $459,000 | 7,624 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $459,000 | 7,631 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,267 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $489,720 | 7,432 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $11,120,000 | 2,790 |
| Total interest expense | $5,847,000 | 2,223 |
| Net interest income | $5,273,000 | 3,397 |
| Provision for loan and lease losses | $195,000 | 3,979 |
| Total noninterest income | $643,000 | 4,724 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $643,000 | 2,761 |
| Total noninterest expense | $4,066,000 | 3,438 |
| Salaries and employee benefits | $2,157,000 | 3,037 |
| Premises and equipment expense | $852,000 | 2,397 |
| Additional noninterest expense | $1,057,000 | 4,690 |
| Pre-tax net operating income | $1,655,000 | 3,957 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $732,000 | 2,984 |
| Income before extraordinary items | $923,000 | 4,996 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $923,000 | 5,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 11,785 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $923,000 | 4,764 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,109,000 | 2,887 |
| Total interest expense | $6,875,000 | 2,447 |
| Net interest income | $5,234,000 | 3,480 |
| Provision for loan and lease losses | $400,000 | 3,453 |
| Total noninterest income | $847,000 | 3,808 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $847,000 | 2,234 |
| Total noninterest expense | $3,704,000 | 3,734 |
| Salaries and employee benefits | $1,930,000 | 3,305 |
| Premises and equipment expense | $798,000 | 2,605 |
| Additional noninterest expense | $976,000 | 5,144 |
| Pre-tax net operating income | $1,977,000 | 3,137 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $856,000 | 2,431 |
| Income before extraordinary items | $1,121,000 | 4,053 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $1,121,000 | 4,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 6,489 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,121,000 | 3,755 |
* 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.