Home > First Keystone Bank > Income and Expense
First Keystone Bank, Income and Expense
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $10,357,000 | 1,541 |
| Total interest expense | $4,281,000 | 1,049 |
| Net interest income | $6,076,000 | 1,848 |
| Provision for loan and lease losses | $1,900,000 | 1,320 |
| Total noninterest income | $988,000 | 2,071 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $988,000 | 1,304 |
| Total noninterest expense | $6,832,000 | 1,444 |
| Salaries and employee benefits | $3,339,000 | 1,482 |
| Premises and equipment expense | $1,238,000 | 1,074 |
| Additional noninterest expense | $2,255,000 | 1,565 |
| Pre-tax net operating income | $-1,668,000 | 7,209 |
| Securities gains (losses) | $-2,211,000 | 7,778 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $-3,879,000 | 7,513 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-3,865,000 | 7,512 |
| Minority interest net income | $-14,000 | 7,814 |
| Net income of bank and minority interests. | $-3,879,000 | 7,514 |
| Net charge-offs | $3,896,000 | 679 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,668,000 | 7,275 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $5,527,000 | 1,466 |
| Total interest expense | $2,203,000 | 1,064 |
| Net interest income | $3,324,000 | 1,708 |
| Provision for loan and lease losses | $1,000,000 | 1,168 |
| Total noninterest income | $504,000 | 2,023 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $504,000 | 1,293 |
| Total noninterest expense | $3,164,000 | 1,589 |
| Salaries and employee benefits | $1,410,000 | 1,776 |
| Premises and equipment expense | $563,000 | 1,207 |
| Additional noninterest expense | $1,191,000 | 1,487 |
| Pre-tax net operating income | $-336,000 | 7,009 |
| Securities gains (losses) | $-2,601,000 | 7,904 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-2,937,000 | 7,712 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-2,954,000 | 7,714 |
| Minority interest net income | $17,000 | 61 |
| Net income of bank and minority interests. | $-2,937,000 | 7,713 |
| Net charge-offs | $-86,000 | 7,837 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-336,000 | 7,076 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $23,769,000 | 1,448 |
| Total interest expense | $10,632,000 | 1,115 |
| Net interest income | $13,137,000 | 1,706 |
| Provision for loan and lease losses | $4,025,000 | 1,653 |
| Total noninterest income | $2,080,000 | 2,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $2,080,000 | 1,336 |
| Total noninterest expense | $13,354,000 | 1,548 |
| Salaries and employee benefits | $6,019,000 | 1,649 |
| Premises and equipment expense | $2,273,000 | 1,195 |
| Additional noninterest expense | $5,062,000 | 1,479 |
| Pre-tax net operating income | $-2,162,000 | 6,674 |
| Securities gains (losses) | $-1,108,000 | 7,726 |
| Applicable income taxes | $-1,244,000 | 7,359 |
| Income before extraordinary items | $-2,026,000 | 6,765 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-2,075,000 | 6,780 |
| Minority interest net income | $49,000 | 72 |
| Net income of bank and minority interests. | $-2,026,000 | 6,763 |
| Net charge-offs | $1,736,000 | 2,212 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-1,316,880 | 6,502 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,977,000 | 1,462 |
| Total interest expense | $8,135,000 | 1,147 |
| Net interest income | $9,842,000 | 1,703 |
| Provision for loan and lease losses | $2,925,000 | 1,504 |
| Total noninterest income | $1,549,000 | 2,110 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $1,549,000 | 1,359 |
| Total noninterest expense | $9,981,000 | 1,542 |
| Salaries and employee benefits | $4,567,000 | 1,645 |
| Premises and equipment expense | $1,723,000 | 1,197 |
| Additional noninterest expense | $3,691,000 | 1,466 |
| Pre-tax net operating income | $-1,515,000 | 6,868 |
| Securities gains (losses) | $-275,000 | 7,643 |
| Applicable income taxes | $-704,000 | 7,447 |
| Income before extraordinary items | $-1,086,000 | 6,791 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-1,121,000 | 6,808 |
| Minority interest net income | $35,000 | 80 |
| Net income of bank and minority interests. | $-1,086,000 | 6,792 |
| Net charge-offs | $1,568,000 | 1,731 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-910,000 | 6,696 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,957,000 | 1,497 |
| Total interest expense | $5,497,000 | 1,194 |
| Net interest income | $6,460,000 | 1,731 |
| Provision for loan and lease losses | $1,450,000 | 1,676 |
| Total noninterest income | $1,029,000 | 2,137 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $1,029,000 | 1,405 |
| Total noninterest expense | $6,660,000 | 1,572 |
| Salaries and employee benefits | $3,000,000 | 1,708 |
| Premises and equipment expense | $1,114,000 | 1,259 |
| Additional noninterest expense | $2,546,000 | 1,454 |
| Pre-tax net operating income | $-621,000 | 6,740 |
| Securities gains (losses) | $-682,000 | 7,957 |
| Applicable income taxes | $-479,000 | 7,565 |
| Income before extraordinary items | $-824,000 | 7,036 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-841,000 | 7,046 |
| Minority interest net income | $17,000 | 85 |
| Net income of bank and minority interests. | $-824,000 | 7,036 |
| Net charge-offs | $1,258,000 | 1,471 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-387,520 | 6,624 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,900,000 | 1,541 |
| Total interest expense | $2,774,000 | 1,234 |
| Net interest income | $3,126,000 | 1,779 |
| Provision for loan and lease losses | $700,000 | 1,458 |
| Total noninterest income | $493,000 | 2,164 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $493,000 | 1,405 |
| Total noninterest expense | $3,202,000 | 1,572 |
| Salaries and employee benefits | $1,500,000 | 1,729 |
| Premises and equipment expense | $555,000 | 1,289 |
| Additional noninterest expense | $1,147,000 | 1,422 |
| Pre-tax net operating income | $-283,000 | 7,035 |
| Securities gains (losses) | $-684,000 | 8,119 |
| Applicable income taxes | $-321,000 | 7,807 |
| Income before extraordinary items | $-646,000 | 7,555 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-646,000 | 7,556 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-646,000 | 7,556 |
| Net charge-offs | $2,000 | 5,430 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-187,720 | 6,932 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $25,899,000 | 1,497 |
| Total interest expense | $13,849,000 | 1,169 |
| Net interest income | $12,050,000 | 1,853 |
| Provision for loan and lease losses | $329,000 | 4,471 |
| Total noninterest income | $2,697,000 | 1,717 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,697,000 | 1,057 |
| Total noninterest expense | $12,634,000 | 1,551 |
| Salaries and employee benefits | $6,041,000 | 1,689 |
| Premises and equipment expense | $2,203,000 | 1,238 |
| Additional noninterest expense | $4,390,000 | 1,418 |
| Pre-tax net operating income | $1,784,000 | 2,692 |
| Securities gains (losses) | $-2,206,000 | 7,918 |
| Applicable income taxes | $173,000 | 2,950 |
| Income before extraordinary items | $-595,000 | 6,765 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-595,000 | 6,765 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $407,000 | 3,098 |
| Cash dividends | $4,900,000 | 577 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,611,000 | 2,525 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $19,665,000 | 1,523 |
| Total interest expense | $10,723,000 | 1,179 |
| Net interest income | $8,942,000 | 1,897 |
| Provision for loan and lease losses | $254,000 | 3,830 |
| Total noninterest income | $2,060,000 | 1,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,060,000 | 1,084 |
| Total noninterest expense | $9,453,000 | 1,545 |
| Salaries and employee benefits | $4,525,000 | 1,716 |
| Premises and equipment expense | $1,653,000 | 1,246 |
| Additional noninterest expense | $3,275,000 | 1,365 |
| Pre-tax net operating income | $1,295,000 | 3,165 |
| Securities gains (losses) | $-1,981,000 | 8,057 |
| Applicable income taxes | $1,000 | 5,240 |
| Income before extraordinary items | $-687,000 | 7,329 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-687,000 | 7,327 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $179,000 | 3,199 |
| Cash dividends | $4,900,000 | 469 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,294,000 | 2,737 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $13,211,000 | 1,532 |
| Total interest expense | $7,388,000 | 1,186 |
| Net interest income | $5,823,000 | 1,928 |
| Provision for loan and lease losses | $14,000 | 6,187 |
| Total noninterest income | $1,354,000 | 1,774 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,354,000 | 1,137 |
| Total noninterest expense | $6,075,000 | 1,602 |
| Salaries and employee benefits | $2,981,000 | 1,756 |
| Premises and equipment expense | $1,092,000 | 1,253 |
| Additional noninterest expense | $2,002,000 | 1,462 |
| Pre-tax net operating income | $1,088,000 | 2,775 |
| Securities gains (losses) | $7,000 | 2,608 |
| Applicable income taxes | $236,000 | 2,500 |
| Income before extraordinary items | $859,000 | 2,906 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $859,000 | 2,906 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 4,854 |
| Cash dividends | $4,900,000 | 352 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $853,540 | 2,872 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $6,673,000 | 1,559 |
| Total interest expense | $3,800,000 | 1,231 |
| Net interest income | $2,873,000 | 1,941 |
| Provision for loan and lease losses | $14,000 | 5,280 |
| Total noninterest income | $682,000 | 1,786 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $682,000 | 1,143 |
| Total noninterest expense | $3,008,000 | 1,618 |
| Salaries and employee benefits | $1,483,000 | 1,774 |
| Premises and equipment expense | $561,000 | 1,223 |
| Additional noninterest expense | $964,000 | 1,498 |
| Pre-tax net operating income | $533,000 | 2,942 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $114,000 | 2,643 |
| Income before extraordinary items | $419,000 | 3,091 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $419,000 | 3,093 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 3,665 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $419,000 | 3,014 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $28,203,000 | 1,530 |
| Total interest expense | $16,264,000 | 1,225 |
| Net interest income | $11,939,000 | 1,898 |
| Provision for loan and lease losses | $342,000 | 2,957 |
| Total noninterest income | $2,444,000 | 1,927 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,444,000 | 1,185 |
| Total noninterest expense | $12,398,000 | 1,495 |
| Salaries and employee benefits | $5,997,000 | 1,673 |
| Premises and equipment expense | $2,191,000 | 1,206 |
| Additional noninterest expense | $4,210,000 | 1,332 |
| Pre-tax net operating income | $1,643,000 | 3,734 |
| Securities gains (losses) | $180,000 | 467 |
| Applicable income taxes | $336,000 | 3,231 |
| Income before extraordinary items | $1,487,000 | 3,468 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,487,000 | 3,467 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 1,899 |
| Cash dividends | $0 | 5,817 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,339,400 | 3,685 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $21,454,000 | 1,519 |
| Total interest expense | $12,355,000 | 1,208 |
| Net interest income | $9,099,000 | 1,872 |
| Provision for loan and lease losses | $300,000 | 2,302 |
| Total noninterest income | $1,779,000 | 1,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $1,779,000 | 1,222 |
| Total noninterest expense | $9,424,000 | 1,447 |
| Salaries and employee benefits | $4,517,000 | 1,671 |
| Premises and equipment expense | $1,654,000 | 1,191 |
| Additional noninterest expense | $3,253,000 | 1,262 |
| Pre-tax net operating income | $1,154,000 | 4,037 |
| Securities gains (losses) | $167,000 | 400 |
| Applicable income taxes | $236,000 | 3,490 |
| Income before extraordinary items | $1,085,000 | 3,697 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,085,000 | 3,696 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $433,000 | 1,201 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $948,060 | 3,984 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,454,000 | 1,507 |
| Total interest expense | $8,316,000 | 1,194 |
| Net interest income | $6,138,000 | 1,876 |
| Provision for loan and lease losses | $200,000 | 2,152 |
| Total noninterest income | $1,141,000 | 2,033 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,141,000 | 1,272 |
| Total noninterest expense | $6,297,000 | 1,456 |
| Salaries and employee benefits | $3,048,000 | 1,686 |
| Premises and equipment expense | $1,108,000 | 1,210 |
| Additional noninterest expense | $2,141,000 | 1,292 |
| Pre-tax net operating income | $782,000 | 4,066 |
| Securities gains (losses) | $167,000 | 332 |
| Applicable income taxes | $175,000 | 3,438 |
| Income before extraordinary items | $774,000 | 3,600 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $774,000 | 3,600 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $421,000 | 810 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $637,060 | 4,029 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,360,000 | 1,475 |
| Total interest expense | $4,174,000 | 1,175 |
| Net interest income | $3,186,000 | 1,808 |
| Provision for loan and lease losses | $100,000 | 2,001 |
| Total noninterest income | $521,000 | 2,153 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $521,000 | 1,318 |
| Total noninterest expense | $3,243,000 | 1,429 |
| Salaries and employee benefits | $1,508,000 | 1,726 |
| Premises and equipment expense | $545,000 | 1,229 |
| Additional noninterest expense | $1,190,000 | 1,145 |
| Pre-tax net operating income | $364,000 | 4,223 |
| Securities gains (losses) | $128,000 | 270 |
| Applicable income taxes | $79,000 | 3,593 |
| Income before extraordinary items | $413,000 | 3,418 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $413,000 | 3,418 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,191 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $305,480 | 4,102 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $28,733,000 | 1,385 |
| Total interest expense | $15,466,000 | 1,086 |
| Net interest income | $13,267,000 | 1,733 |
| Provision for loan and lease losses | $1,236,000 | 845 |
| Total noninterest income | $2,445,000 | 1,912 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,445,000 | 1,155 |
| Total noninterest expense | $12,664,000 | 1,412 |
| Salaries and employee benefits | $6,227,000 | 1,583 |
| Premises and equipment expense | $2,182,000 | 1,173 |
| Additional noninterest expense | $4,255,000 | 1,259 |
| Pre-tax net operating income | $1,812,000 | 3,875 |
| Securities gains (losses) | $152,000 | 443 |
| Applicable income taxes | $92,000 | 5,038 |
| Income before extraordinary items | $1,872,000 | 3,237 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,872,000 | 3,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,031,000 | 662 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,727,600 | 3,438 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $21,407,000 | 1,385 |
| Total interest expense | $11,220,000 | 1,093 |
| Net interest income | $10,187,000 | 1,706 |
| Provision for loan and lease losses | $1,161,000 | 661 |
| Total noninterest income | $2,033,000 | 1,777 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,033,000 | 1,087 |
| Total noninterest expense | $9,570,000 | 1,406 |
| Salaries and employee benefits | $4,688,000 | 1,592 |
| Premises and equipment expense | $1,648,000 | 1,176 |
| Additional noninterest expense | $3,234,000 | 1,238 |
| Pre-tax net operating income | $1,489,000 | 3,798 |
| Securities gains (losses) | $35,000 | 639 |
| Applicable income taxes | $33,000 | 5,694 |
| Income before extraordinary items | $1,491,000 | 3,224 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,491,000 | 3,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,044,000 | 446 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,456,700 | 3,259 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $14,048,000 | 1,382 |
| Total interest expense | $7,149,000 | 1,083 |
| Net interest income | $6,899,000 | 1,671 |
| Provision for loan and lease losses | $606,000 | 809 |
| Total noninterest income | $1,068,000 | 2,127 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,068,000 | 1,294 |
| Total noninterest expense | $6,371,000 | 1,416 |
| Salaries and employee benefits | $3,119,000 | 1,589 |
| Premises and equipment expense | $1,075,000 | 1,204 |
| Additional noninterest expense | $2,177,000 | 1,243 |
| Pre-tax net operating income | $990,000 | 3,818 |
| Securities gains (losses) | $35,000 | 507 |
| Applicable income taxes | $145,000 | 4,057 |
| Income before extraordinary items | $880,000 | 3,503 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $880,000 | 3,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,175,000 | 303 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $849,900 | 3,581 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $6,830,000 | 1,377 |
| Total interest expense | $3,399,000 | 1,073 |
| Net interest income | $3,431,000 | 1,680 |
| Provision for loan and lease losses | $525,000 | 456 |
| Total noninterest income | $633,000 | 1,838 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $633,000 | 1,133 |
| Total noninterest expense | $3,228,000 | 1,397 |
| Salaries and employee benefits | $1,575,000 | 1,582 |
| Premises and equipment expense | $527,000 | 1,232 |
| Additional noninterest expense | $1,126,000 | 1,183 |
| Pre-tax net operating income | $311,000 | 4,872 |
| Securities gains (losses) | $17,000 | 498 |
| Applicable income taxes | $11,000 | 5,709 |
| Income before extraordinary items | $317,000 | 4,277 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $317,000 | 4,277 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,157,000 | 199 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $300,510 | 4,404 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $27,279,000 | 1,227 |
| Total interest expense | $13,916,000 | 815 |
| Net interest income | $13,363,000 | 1,637 |
| Provision for loan and lease losses | $1,780,000 | 597 |
| Total noninterest income | $2,023,000 | 2,191 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,023,000 | 1,359 |
| Total noninterest expense | $12,817,000 | 1,347 |
| Salaries and employee benefits | $6,494,000 | 1,437 |
| Premises and equipment expense | $2,106,000 | 1,159 |
| Additional noninterest expense | $4,217,000 | 1,232 |
| Pre-tax net operating income | $789,000 | 5,903 |
| Securities gains (losses) | $-441,000 | 8,688 |
| Applicable income taxes | $-292,000 | 8,716 |
| Income before extraordinary items | $640,000 | 5,854 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $640,000 | 5,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $293,000 | 1,762 |
| Cash dividends | $1,500,000 | 1,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,081,000 | 4,589 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $20,656,000 | 1,173 |
| Total interest expense | $10,605,000 | 756 |
| Net interest income | $10,051,000 | 1,623 |
| Provision for loan and lease losses | $1,735,000 | 435 |
| Total noninterest income | $1,526,000 | 2,176 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,526,000 | 1,345 |
| Total noninterest expense | $9,816,000 | 1,307 |
| Salaries and employee benefits | $4,912,000 | 1,410 |
| Premises and equipment expense | $1,597,000 | 1,133 |
| Additional noninterest expense | $3,307,000 | 1,142 |
| Pre-tax net operating income | $26,000 | 8,261 |
| Securities gains (losses) | $-566,000 | 8,793 |
| Applicable income taxes | $-490,000 | 8,819 |
| Income before extraordinary items | $-50,000 | 8,412 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-50,000 | 8,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $297,000 | 1,269 |
| Cash dividends | $1,500,000 | 1,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $312,240 | 6,809 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $13,641,000 | 1,148 |
| Total interest expense | $6,893,000 | 729 |
| Net interest income | $6,748,000 | 1,590 |
| Provision for loan and lease losses | $1,690,000 | 307 |
| Total noninterest income | $949,000 | 2,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $949,000 | 1,401 |
| Total noninterest expense | $6,161,000 | 1,374 |
| Salaries and employee benefits | $3,325,000 | 1,375 |
| Premises and equipment expense | $1,062,000 | 1,127 |
| Additional noninterest expense | $1,774,000 | 1,406 |
| Pre-tax net operating income | $-154,000 | 8,526 |
| Securities gains (losses) | $370,000 | 277 |
| Applicable income taxes | $-130,000 | 8,765 |
| Income before extraordinary items | $346,000 | 5,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $346,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $256,000 | 1,018 |
| Cash dividends | $1,500,000 | 927 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $-24,000 | 8,399 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $6,746,000 | 1,131 |
| Total interest expense | $3,376,000 | 715 |
| Net interest income | $3,370,000 | 1,578 |
| Provision for loan and lease losses | $45,000 | 3,327 |
| Total noninterest income | $468,000 | 2,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $468,000 | 1,388 |
| Total noninterest expense | $3,203,000 | 1,332 |
| Salaries and employee benefits | $1,791,000 | 1,292 |
| Premises and equipment expense | $519,000 | 1,168 |
| Additional noninterest expense | $893,000 | 1,394 |
| Pre-tax net operating income | $590,000 | 3,263 |
| Securities gains (losses) | $326,000 | 191 |
| Applicable income taxes | $210,000 | 2,520 |
| Income before extraordinary items | $706,000 | 2,310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $706,000 | 2,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,060 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $454,980 | 3,243 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $26,560,000 | 1,066 |
| Total interest expense | $13,106,000 | 628 |
| Net interest income | $13,454,000 | 1,502 |
| Provision for loan and lease losses | $270,000 | 3,102 |
| Total noninterest income | $2,348,000 | 1,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,348,000 | 1,185 |
| Total noninterest expense | $12,340,000 | 1,331 |
| Salaries and employee benefits | $7,194,000 | 1,210 |
| Premises and equipment expense | $1,804,000 | 1,272 |
| Additional noninterest expense | $3,342,000 | 1,486 |
| Pre-tax net operating income | $3,192,000 | 2,451 |
| Securities gains (losses) | $-475,000 | 8,869 |
| Applicable income taxes | $396,000 | 3,736 |
| Income before extraordinary items | $2,321,000 | 2,573 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $2,321,000 | 2,576 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $225,000 | 2,408 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $2,724,750 | 2,199 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $19,831,000 | 1,054 |
| Total interest expense | $9,724,000 | 626 |
| Net interest income | $10,107,000 | 1,492 |
| Provision for loan and lease losses | $225,000 | 2,754 |
| Total noninterest income | $1,697,000 | 2,028 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,697,000 | 1,209 |
| Total noninterest expense | $9,340,000 | 1,319 |
| Salaries and employee benefits | $5,571,000 | 1,165 |
| Premises and equipment expense | $1,314,000 | 1,307 |
| Additional noninterest expense | $2,455,000 | 1,495 |
| Pre-tax net operating income | $2,239,000 | 2,615 |
| Securities gains (losses) | $-569,000 | 8,972 |
| Applicable income taxes | $149,000 | 4,859 |
| Income before extraordinary items | $1,521,000 | 2,916 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,521,000 | 2,917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $203,000 | 1,888 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,038,790 | 2,223 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $13,149,000 | 1,046 |
| Total interest expense | $6,426,000 | 617 |
| Net interest income | $6,723,000 | 1,483 |
| Provision for loan and lease losses | $150,000 | 2,691 |
| Total noninterest income | $1,233,000 | 1,879 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,233,000 | 1,150 |
| Total noninterest expense | $6,554,000 | 1,238 |
| Salaries and employee benefits | $4,111,000 | 1,041 |
| Premises and equipment expense | $862,000 | 1,333 |
| Additional noninterest expense | $1,581,000 | 1,529 |
| Pre-tax net operating income | $1,252,000 | 3,007 |
| Securities gains (losses) | $-23,000 | 8,817 |
| Applicable income taxes | $185,000 | 3,914 |
| Income before extraordinary items | $1,044,000 | 2,827 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,044,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 3,384 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,063,550 | 2,714 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $6,548,000 | 1,057 |
| Total interest expense | $3,257,000 | 622 |
| Net interest income | $3,291,000 | 1,511 |
| Provision for loan and lease losses | $75,000 | 2,550 |
| Total noninterest income | $840,000 | 1,437 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $840,000 | 889 |
| Total noninterest expense | $3,943,000 | 1,030 |
| Salaries and employee benefits | $2,660,000 | 818 |
| Premises and equipment expense | $445,000 | 1,310 |
| Additional noninterest expense | $838,000 | 1,440 |
| Pre-tax net operating income | $113,000 | 6,952 |
| Securities gains (losses) | $-40,000 | 9,018 |
| Applicable income taxes | $-92,000 | 9,030 |
| Income before extraordinary items | $165,000 | 5,788 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $165,000 | 5,789 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 3,775 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $205,000 | 5,154 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $26,852,000 | 1,050 |
| Total interest expense | $13,995,000 | 633 |
| Net interest income | $12,857,000 | 1,515 |
| Provision for loan and lease losses | $595,000 | 1,895 |
| Total noninterest income | $1,913,000 | 2,390 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,913,000 | 1,515 |
| Total noninterest expense | $10,684,000 | 1,496 |
| Salaries and employee benefits | $6,118,000 | 1,403 |
| Premises and equipment expense | $1,711,000 | 1,332 |
| Additional noninterest expense | $2,855,000 | 1,695 |
| Pre-tax net operating income | $3,491,000 | 2,218 |
| Securities gains (losses) | $776,000 | 565 |
| Applicable income taxes | $946,000 | 2,256 |
| Income before extraordinary items | $3,321,000 | 1,865 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,321,000 | 1,867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,075,000 | 880 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,715,720 | 2,122 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $20,137,000 | 1,071 |
| Total interest expense | $10,665,000 | 655 |
| Net interest income | $9,472,000 | 1,543 |
| Provision for loan and lease losses | $520,000 | 1,604 |
| Total noninterest income | $1,486,000 | 2,381 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,486,000 | 1,543 |
| Total noninterest expense | $7,862,000 | 1,537 |
| Salaries and employee benefits | $4,479,000 | 1,451 |
| Premises and equipment expense | $1,295,000 | 1,330 |
| Additional noninterest expense | $2,088,000 | 1,732 |
| Pre-tax net operating income | $2,576,000 | 2,320 |
| Securities gains (losses) | $628,000 | 596 |
| Applicable income taxes | $699,000 | 2,391 |
| Income before extraordinary items | $2,505,000 | 1,917 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,505,000 | 1,916 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,030,000 | 687 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,015,160 | 2,206 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $13,658,000 | 1,064 |
| Total interest expense | $7,185,000 | 668 |
| Net interest income | $6,473,000 | 1,509 |
| Provision for loan and lease losses | $390,000 | 1,435 |
| Total noninterest income | $936,000 | 2,457 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $936,000 | 1,591 |
| Total noninterest expense | $5,155,000 | 1,561 |
| Salaries and employee benefits | $2,907,000 | 1,480 |
| Premises and equipment expense | $864,000 | 1,326 |
| Additional noninterest expense | $1,384,000 | 1,737 |
| Pre-tax net operating income | $1,864,000 | 2,163 |
| Securities gains (losses) | $468,000 | 598 |
| Applicable income taxes | $520,000 | 2,257 |
| Income before extraordinary items | $1,812,000 | 1,781 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,812,000 | 1,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $773,000 | 613 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,446,960 | 2,060 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $6,991,000 | 1,051 |
| Total interest expense | $3,593,000 | 679 |
| Net interest income | $3,398,000 | 1,438 |
| Provision for loan and lease losses | $195,000 | 1,399 |
| Total noninterest income | $301,000 | 3,234 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $301,000 | 2,103 |
| Total noninterest expense | $2,448,000 | 1,637 |
| Salaries and employee benefits | $1,329,000 | 1,602 |
| Premises and equipment expense | $456,000 | 1,257 |
| Additional noninterest expense | $663,000 | 1,772 |
| Pre-tax net operating income | $1,056,000 | 1,942 |
| Securities gains (losses) | $115,000 | 924 |
| Applicable income taxes | $254,000 | 2,299 |
| Income before extraordinary items | $917,000 | 1,737 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $917,000 | 1,736 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $761,000 | 372 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $827,300 | 1,803 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $29,572,000 | 1,042 |
| Total interest expense | $15,676,000 | 723 |
| Net interest income | $13,896,000 | 1,401 |
| Provision for loan and lease losses | $600,000 | 2,054 |
| Total noninterest income | $1,538,000 | 2,573 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,538,000 | 1,617 |
| Total noninterest expense | $10,786,000 | 1,426 |
| Salaries and employee benefits | $5,283,000 | 1,529 |
| Premises and equipment expense | $1,704,000 | 1,289 |
| Additional noninterest expense | $3,799,000 | 1,267 |
| Pre-tax net operating income | $4,048,000 | 1,972 |
| Securities gains (losses) | $501,000 | 658 |
| Applicable income taxes | $926,000 | 2,340 |
| Income before extraordinary items | $3,623,000 | 1,650 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,623,000 | 1,650 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $239,000 | 2,742 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,222,200 | 1,789 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $31,388,000 | 1,085 |
| Total interest expense | $19,805,000 | 826 |
| Net interest income | $11,583,000 | 1,536 |
| Provision for loan and lease losses | $540,000 | 2,073 |
| Total noninterest income | $2,343,000 | 1,782 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,343,000 | 1,125 |
| Total noninterest expense | $9,437,000 | 1,553 |
| Salaries and employee benefits | $4,506,000 | 1,675 |
| Premises and equipment expense | $1,606,000 | 1,333 |
| Additional noninterest expense | $3,325,000 | 1,409 |
| Pre-tax net operating income | $3,949,000 | 1,793 |
| Securities gains (losses) | $126,000 | 1,562 |
| Applicable income taxes | $823,000 | 2,369 |
| Income before extraordinary items | $3,252,000 | 1,629 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,252,000 | 1,630 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 3,614 |
| Cash dividends | $3,423,000 | 820 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,151,200 | 1,598 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $31,318,000 | 1,122 |
| Total interest expense | $19,905,000 | 893 |
| Net interest income | $11,413,000 | 1,542 |
| Provision for loan and lease losses | $450,000 | 2,054 |
| Total noninterest income | $1,730,000 | 2,087 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,730,000 | 1,243 |
| Total noninterest expense | $8,239,000 | 1,692 |
| Salaries and employee benefits | $4,107,000 | 1,749 |
| Premises and equipment expense | $1,545,000 | 1,324 |
| Additional noninterest expense | $2,587,000 | 1,716 |
| Pre-tax net operating income | $4,454,000 | 1,648 |
| Securities gains (losses) | $-400,000 | 9,681 |
| Applicable income taxes | $878,000 | 2,353 |
| Income before extraordinary items | $3,176,000 | 1,652 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,176,000 | 1,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,084 |
| Cash dividends | $1,077,000 | 2,148 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,488,000 | 1,504 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $28,728,000 | 1,137 |
| Total interest expense | $17,260,000 | 910 |
| Net interest income | $11,468,000 | 1,524 |
| Provision for loan and lease losses | $339,000 | 2,422 |
| Total noninterest income | $1,237,000 | 2,642 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,237,000 | 1,599 |
| Total noninterest expense | $7,947,000 | 1,733 |
| Salaries and employee benefits | $3,834,000 | 1,812 |
| Premises and equipment expense | $1,422,000 | 1,439 |
| Additional noninterest expense | $2,691,000 | 1,660 |
| Pre-tax net operating income | $4,419,000 | 1,705 |
| Securities gains (losses) | $440,000 | 370 |
| Applicable income taxes | $1,267,000 | 1,827 |
| Income before extraordinary items | $3,592,000 | 1,497 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,592,000 | 1,498 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $538,000 | 1,150 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,266,400 | 1,603 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $26,985,000 | 1,202 |
| Total interest expense | $16,074,000 | 992 |
| Net interest income | $10,911,000 | 1,552 |
| Provision for loan and lease losses | $197,000 | 3,561 |
| Total noninterest income | $1,212,000 | 2,662 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,212,000 | 1,617 |
| Total noninterest expense | $7,655,000 | 1,711 |
| Salaries and employee benefits | $3,962,000 | 1,678 |
| Premises and equipment expense | $1,407,000 | 1,388 |
| Additional noninterest expense | $2,286,000 | 1,849 |
| Pre-tax net operating income | $4,271,000 | 1,718 |
| Securities gains (losses) | $546,000 | 524 |
| Applicable income taxes | $1,351,000 | 1,793 |
| Income before extraordinary items | $3,466,000 | 1,523 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,466,000 | 1,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $75,000 | 4,179 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,072,880 | 1,643 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $23,910,000 | 1,377 |
| Total interest expense | $13,616,000 | 1,187 |
| Net interest income | $10,294,000 | 1,698 |
| Provision for loan and lease losses | $257,000 | 2,893 |
| Total noninterest income | $1,271,000 | 2,500 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $1,271,000 | 1,487 |
| Total noninterest expense | $6,977,000 | 1,857 |
| Salaries and employee benefits | $3,543,000 | 1,850 |
| Premises and equipment expense | $1,214,000 | 1,606 |
| Additional noninterest expense | $2,220,000 | 1,915 |
| Pre-tax net operating income | $4,331,000 | 1,760 |
| Securities gains (losses) | $357,000 | 515 |
| Applicable income taxes | $1,813,000 | 1,445 |
| Income before extraordinary items | $2,875,000 | 1,843 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $2,875,000 | 1,842 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,265,000 | 675 |
| Cash dividends | $1,000,000 | 2,147 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $2,646,520 | 1,938 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $20,053,000 | 1,676 |
| Total interest expense | $11,114,000 | 1,451 |
| Net interest income | $8,939,000 | 2,006 |
| Provision for loan and lease losses | $1,268,000 | 849 |
| Total noninterest income | $1,204,000 | 2,676 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $1,204,000 | 1,594 |
| Total noninterest expense | $8,126,000 | 1,746 |
| Salaries and employee benefits | $3,214,000 | 2,073 |
| Premises and equipment expense | $1,219,000 | 1,664 |
| Additional noninterest expense | $3,693,000 | 1,442 |
| Pre-tax net operating income | $749,000 | 6,707 |
| Securities gains (losses) | $251,000 | 615 |
| Applicable income taxes | $-303,000 | 11,309 |
| Income before extraordinary items | $1,303,000 | 3,624 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,303,000 | 3,623 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,715 |
| Cash dividends | $1,350,000 | 1,710 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,052,000 | 4,247 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $18,963,000 | 1,792 |
| Total interest expense | $11,154,000 | 1,458 |
| Net interest income | $7,809,000 | 2,306 |
| Provision for loan and lease losses | $77,000 | 5,197 |
| Total noninterest income | $1,207,000 | 2,706 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $1,207,000 | 1,594 |
| Total noninterest expense | $7,563,000 | 1,852 |
| Salaries and employee benefits | $3,858,000 | 1,725 |
| Premises and equipment expense | $1,305,000 | 1,561 |
| Additional noninterest expense | $2,400,000 | 2,069 |
| Pre-tax net operating income | $1,376,000 | 4,762 |
| Securities gains (losses) | $108,000 | 920 |
| Applicable income taxes | $444,000 | 4,565 |
| Income before extraordinary items | $1,040,000 | 4,439 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,040,000 | 4,437 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,856 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | NA | NA |
| Net operating income | $964,400 | 4,725 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,766,000 | 1,953 |
| Total interest expense | $9,331,000 | 1,398 |
| Net interest income | $6,435,000 | 2,809 |
| Provision for loan and lease losses | $418,000 | 1,773 |
| Total noninterest income | $1,221,000 | 2,703 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $1,221,000 | 1,610 |
| Total noninterest expense | $7,769,000 | 1,866 |
| Salaries and employee benefits | $4,222,000 | 1,580 |
| Premises and equipment expense | $1,214,000 | 1,703 |
| Additional noninterest expense | $2,333,000 | 2,270 |
| Pre-tax net operating income | $-531,000 | 12,393 |
| Securities gains (losses) | $137,000 | 641 |
| Applicable income taxes | $-125,000 | 12,328 |
| Income before extraordinary items | $-269,000 | 12,257 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $-269,000 | 12,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,658 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $-362,160 | 12,314 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,978,000 | 1,964 |
| Total interest expense | $9,751,000 | 1,377 |
| Net interest income | $6,227,000 | 2,929 |
| Provision for loan and lease losses | $43,000 | 7,841 |
| Total noninterest income | $1,491,000 | 2,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $1,491,000 | 1,561 |
| Total noninterest expense | $6,952,000 | 2,107 |
| Salaries and employee benefits | $3,843,000 | 1,744 |
| Premises and equipment expense | $1,302,000 | 1,613 |
| Additional noninterest expense | $1,807,000 | 2,978 |
| Pre-tax net operating income | $723,000 | 7,237 |
| Securities gains (losses) | $656,000 | 748 |
| Applicable income taxes | $349,000 | 5,511 |
| Income before extraordinary items | $1,030,000 | 4,586 |
| Extraordinary gains, net | $600,000 | 372 |
| Net income | $1,630,000 | 3,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 6,359 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $538,000 | 6,985 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $17,396,000 | 2,040 |
| Total interest expense | $11,538,000 | 1,529 |
| Net interest income | $5,858,000 | 3,128 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $1,435,000 | 2,483 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | NA | NA |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $1,435,000 | 1,564 |
| Total noninterest expense | $6,500,000 | 2,251 |
| Salaries and employee benefits | $3,474,000 | 1,897 |
| Premises and equipment expense | $1,314,000 | 1,621 |
| Additional noninterest expense | $1,712,000 | 3,191 |
| Pre-tax net operating income | $673,000 | 7,249 |
| Securities gains (losses) | $656,000 | 882 |
| Applicable income taxes | $426,000 | 4,563 |
| Income before extraordinary items | $903,000 | 4,919 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $903,000 | 4,968 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 13,151 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $456,920 | 7,327 |
* 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.