Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $2,293,000 | 3,326 |
| Total interest expense | $1,566,000 | 1,510 |
| Net interest income | $727,000 | 5,554 |
| Provision for loan and lease losses | $265,000 | 2,597 |
| Total noninterest income | $110,000 | 4,885 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $27,000 | 5,514 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $83,000 | 3,837 |
| Total noninterest expense | $2,052,000 | 2,384 |
| Salaries and employee benefits | $666,000 | 3,517 |
| Premises and equipment expense | $344,000 | 1,957 |
| Additional noninterest expense | $1,042,000 | 1,685 |
| Pre-tax net operating income | $-1,480,000 | 7,517 |
| Securities gains (losses) | $57,000 | 1,082 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $-1,423,000 | 7,560 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,423,000 | 7,561 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,423,000 | 7,561 |
| Net charge-offs | $947,000 | 1,076 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $6,000 | 885 |
| Net operating income | $-1,480,000 | 7,566 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $12,557,000 | 2,624 |
| Total interest expense | $8,242,000 | 1,454 |
| Net interest income | $4,315,000 | 4,350 |
| Provision for loan and lease losses | $15,015,000 | 607 |
| Total noninterest income | $441,000 | 4,955 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $167,000 | 4,961 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $274,000 | 4,111 |
| Total noninterest expense | $9,074,000 | 2,190 |
| Salaries and employee benefits | $2,966,000 | 3,208 |
| Premises and equipment expense | $1,231,000 | 2,167 |
| Additional noninterest expense | $4,877,000 | 1,530 |
| Pre-tax net operating income | $-19,333,000 | 7,702 |
| Securities gains (losses) | $-186,000 | 7,408 |
| Applicable income taxes | $-767,000 | 7,189 |
| Income before extraordinary items | $-18,752,000 | 7,721 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-18,752,000 | 7,719 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-18,752,000 | 7,719 |
| Net charge-offs | $12,830,000 | 562 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $17,000 | 1,232 |
| Net operating income | $-18,573,440 | 7,722 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $10,105,000 | 2,514 |
| Total interest expense | $6,284,000 | 1,495 |
| Net interest income | $3,821,000 | 3,901 |
| Provision for loan and lease losses | $6,712,000 | 851 |
| Total noninterest income | $379,000 | 4,778 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $143,000 | 4,764 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $236,000 | 3,997 |
| Total noninterest expense | $5,478,000 | 2,700 |
| Salaries and employee benefits | $2,570,000 | 2,866 |
| Premises and equipment expense | $879,000 | 2,284 |
| Additional noninterest expense | $2,029,000 | 2,539 |
| Pre-tax net operating income | $-7,990,000 | 7,673 |
| Securities gains (losses) | $163,000 | 1,447 |
| Applicable income taxes | $-1,203,000 | 7,612 |
| Income before extraordinary items | $-6,624,000 | 7,670 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-6,624,000 | 7,670 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-6,624,000 | 7,670 |
| Net charge-offs | $7,896,000 | 603 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $10,000 | 1,166 |
| Net operating income | $-6,762,550 | 7,688 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $7,060,000 | 2,440 |
| Total interest expense | $4,174,000 | 1,571 |
| Net interest income | $2,886,000 | 3,568 |
| Provision for loan and lease losses | $757,000 | 2,394 |
| Total noninterest income | $331,000 | 4,239 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $106,000 | 4,546 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $225,000 | 3,467 |
| Total noninterest expense | $3,542,000 | 2,797 |
| Salaries and employee benefits | $1,875,000 | 2,651 |
| Premises and equipment expense | $611,000 | 2,225 |
| Additional noninterest expense | $1,056,000 | 3,162 |
| Pre-tax net operating income | $-1,082,000 | 7,056 |
| Securities gains (losses) | $463,000 | 540 |
| Applicable income taxes | $-228,000 | 7,338 |
| Income before extraordinary items | $-391,000 | 6,642 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-391,000 | 6,643 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-391,000 | 6,643 |
| Net charge-offs | $1,413,000 | 1,381 |
| Cash dividends | $120,000 | 3,134 |
| Sale, conversion, retirement of capital stock, net | $5,000 | 1,151 |
| Net operating income | $-687,320 | 6,918 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $3,696,000 | 2,355 |
| Total interest expense | $2,078,000 | 1,629 |
| Net interest income | $1,618,000 | 3,238 |
| Provision for loan and lease losses | $220,000 | 2,730 |
| Total noninterest income | $169,000 | 4,146 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $56,000 | 4,381 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $113,000 | 3,457 |
| Total noninterest expense | $1,743,000 | 2,755 |
| Salaries and employee benefits | $959,000 | 2,643 |
| Premises and equipment expense | $304,000 | 2,273 |
| Additional noninterest expense | $480,000 | 3,111 |
| Pre-tax net operating income | $-176,000 | 6,843 |
| Securities gains (losses) | $393,000 | 422 |
| Applicable income taxes | $89,000 | 2,299 |
| Income before extraordinary items | $128,000 | 4,600 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $128,000 | 4,603 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $128,000 | 4,603 |
| Net charge-offs | $178,000 | 2,238 |
| Cash dividends | $120,000 | 2,106 |
| Sale, conversion, retirement of capital stock, net | $1,000 | 1,052 |
| Net operating income | $-123,520 | 6,781 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $16,801,000 | 2,248 |
| Total interest expense | $9,555,000 | 1,699 |
| Net interest income | $7,246,000 | 2,952 |
| Provision for loan and lease losses | $4,970,000 | 1,003 |
| Total noninterest income | $552,000 | 4,636 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $217,000 | 4,642 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $335,000 | 3,907 |
| Total noninterest expense | $6,308,000 | 2,934 |
| Salaries and employee benefits | $3,373,000 | 2,933 |
| Premises and equipment expense | $1,186,000 | 2,271 |
| Additional noninterest expense | $1,749,000 | 3,208 |
| Pre-tax net operating income | $-3,480,000 | 7,672 |
| Securities gains (losses) | $101,000 | 1,121 |
| Applicable income taxes | $-1,204,000 | 7,767 |
| Income before extraordinary items | $-2,175,000 | 7,427 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,175,000 | 7,425 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $349,000 | 3,316 |
| Cash dividends | $650,000 | 2,964 |
| Sale, conversion, retirement of capital stock, net | $104,000 | 966 |
| Net operating income | $-2,239,640 | 7,538 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $13,002,000 | 2,234 |
| Total interest expense | $7,383,000 | 1,714 |
| Net interest income | $5,619,000 | 2,898 |
| Provision for loan and lease losses | $220,000 | 4,063 |
| Total noninterest income | $506,000 | 4,307 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $160,000 | 4,700 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $346,000 | 3,434 |
| Total noninterest expense | $4,746,000 | 2,908 |
| Salaries and employee benefits | $2,644,000 | 2,827 |
| Premises and equipment expense | $865,000 | 2,333 |
| Additional noninterest expense | $1,237,000 | 3,298 |
| Pre-tax net operating income | $1,159,000 | 3,386 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $440,000 | 2,052 |
| Income before extraordinary items | $719,000 | 3,769 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $719,000 | 3,768 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,807 |
| Cash dividends | $519,000 | 2,680 |
| Sale, conversion, retirement of capital stock, net | $103,000 | 764 |
| Net operating income | $719,000 | 3,908 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $8,842,000 | 2,227 |
| Total interest expense | $5,093,000 | 1,725 |
| Net interest income | $3,749,000 | 2,879 |
| Provision for loan and lease losses | $135,000 | 3,809 |
| Total noninterest income | $318,000 | 4,502 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $99,000 | 4,847 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $219,000 | 3,587 |
| Total noninterest expense | $3,074,000 | 2,992 |
| Salaries and employee benefits | $1,758,000 | 2,867 |
| Premises and equipment expense | $601,000 | 2,254 |
| Additional noninterest expense | $715,000 | 3,664 |
| Pre-tax net operating income | $858,000 | 3,277 |
| Securities gains (losses) | $16,000 | 2,191 |
| Applicable income taxes | $332,000 | 2,084 |
| Income before extraordinary items | $542,000 | 3,857 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $542,000 | 3,858 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,998 |
| Cash dividends | $345,000 | 2,781 |
| Sale, conversion, retirement of capital stock, net | $102,000 | 577 |
| Net operating income | $531,760 | 3,840 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $4,558,000 | 2,208 |
| Total interest expense | $2,648,000 | 1,778 |
| Net interest income | $1,910,000 | 2,821 |
| Provision for loan and lease losses | $60,000 | 3,470 |
| Total noninterest income | $185,000 | 4,164 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $46,000 | 4,958 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $139,000 | 3,174 |
| Total noninterest expense | $1,504,000 | 3,052 |
| Salaries and employee benefits | $914,000 | 2,784 |
| Premises and equipment expense | $295,000 | 2,304 |
| Additional noninterest expense | $295,000 | 4,173 |
| Pre-tax net operating income | $531,000 | 2,949 |
| Securities gains (losses) | $17,000 | 1,682 |
| Applicable income taxes | $208,000 | 1,919 |
| Income before extraordinary items | $340,000 | 3,543 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $340,000 | 3,546 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $173,000 | 2,478 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $329,120 | 3,510 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $19,227,000 | 2,145 |
| Total interest expense | $10,108,000 | 1,934 |
| Net interest income | $9,119,000 | 2,423 |
| Provision for loan and lease losses | $335,000 | 2,995 |
| Total noninterest income | $730,000 | 4,198 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $169,000 | 5,214 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $561,000 | 3,125 |
| Total noninterest expense | $5,805,000 | 3,056 |
| Salaries and employee benefits | $3,356,000 | 2,931 |
| Premises and equipment expense | $1,034,000 | 2,493 |
| Additional noninterest expense | $1,415,000 | 3,590 |
| Pre-tax net operating income | $3,709,000 | 2,105 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,341,000 | 1,522 |
| Income before extraordinary items | $2,368,000 | 2,488 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,368,000 | 2,487 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,980 |
| Cash dividends | $173,000 | 5,029 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,368,000 | 2,481 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $14,309,000 | 2,167 |
| Total interest expense | $7,247,000 | 1,992 |
| Net interest income | $7,062,000 | 2,375 |
| Provision for loan and lease losses | $260,000 | 2,550 |
| Total noninterest income | $562,000 | 4,148 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $122,000 | 5,309 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $440,000 | 3,045 |
| Total noninterest expense | $4,200,000 | 3,106 |
| Salaries and employee benefits | $2,382,000 | 3,055 |
| Premises and equipment expense | $829,000 | 2,332 |
| Additional noninterest expense | $989,000 | 3,735 |
| Pre-tax net operating income | $3,164,000 | 2,012 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $1,201,000 | 1,445 |
| Income before extraordinary items | $1,963,000 | 2,412 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,963,000 | 2,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $388,000 | 1,285 |
| Cash dividends | $0 | 5,179 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,963,000 | 2,386 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $9,124,000 | 2,283 |
| Total interest expense | $4,557,000 | 2,089 |
| Net interest income | $4,567,000 | 2,470 |
| Provision for loan and lease losses | $185,000 | 2,274 |
| Total noninterest income | $351,000 | 4,311 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $74,000 | 5,482 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $277,000 | 3,155 |
| Total noninterest expense | $2,635,000 | 3,308 |
| Salaries and employee benefits | $1,482,000 | 3,281 |
| Premises and equipment expense | $529,000 | 2,443 |
| Additional noninterest expense | $624,000 | 3,906 |
| Pre-tax net operating income | $2,098,000 | 2,071 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $796,000 | 1,497 |
| Income before extraordinary items | $1,302,000 | 2,476 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,302,000 | 2,476 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $394,000 | 844 |
| Cash dividends | $0 | 4,977 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,302,000 | 2,460 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $4,325,000 | 2,400 |
| Total interest expense | $2,141,000 | 2,189 |
| Net interest income | $2,184,000 | 2,554 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $205,000 | 3,956 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $35,000 | 5,544 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $170,000 | 2,796 |
| Total noninterest expense | $1,319,000 | 3,313 |
| Salaries and employee benefits | $786,000 | 3,131 |
| Premises and equipment expense | $236,000 | 2,723 |
| Additional noninterest expense | $297,000 | 4,008 |
| Pre-tax net operating income | $1,070,000 | 2,047 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $406,000 | 1,507 |
| Income before extraordinary items | $664,000 | 2,431 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $664,000 | 2,431 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,509 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $664,000 | 2,409 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $15,418,000 | 2,495 |
| Total interest expense | $7,278,000 | 2,211 |
| Net interest income | $8,140,000 | 2,711 |
| Provision for loan and lease losses | $675,000 | 1,453 |
| Total noninterest income | $954,000 | 3,662 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $117,000 | 5,932 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $837,000 | 2,510 |
| Total noninterest expense | $5,018,000 | 3,351 |
| Salaries and employee benefits | $3,149,000 | 3,001 |
| Premises and equipment expense | $762,000 | 3,118 |
| Additional noninterest expense | $1,107,000 | 4,188 |
| Pre-tax net operating income | $3,401,000 | 2,535 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $1,254,000 | 1,903 |
| Income before extraordinary items | $2,147,000 | 2,947 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $2,147,000 | 2,947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,780 |
| Cash dividends | $0 | 5,941 |
| Sale, conversion, retirement of capital stock, net | $4,000,000 | 334 |
| Net operating income | $2,147,000 | 2,941 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $11,207,000 | 2,553 |
| Total interest expense | $5,116,000 | 2,275 |
| Net interest income | $6,091,000 | 2,746 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $731,000 | 3,614 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $92,000 | 5,921 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $639,000 | 2,468 |
| Total noninterest expense | $3,751,000 | 3,349 |
| Salaries and employee benefits | $2,351,000 | 3,003 |
| Premises and equipment expense | $573,000 | 3,116 |
| Additional noninterest expense | $827,000 | 4,174 |
| Pre-tax net operating income | $2,846,000 | 2,421 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $1,080,000 | 1,784 |
| Income before extraordinary items | $1,766,000 | 2,827 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,766,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 3,504 |
| Cash dividends | $0 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,766,000 | 2,818 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $6,964,000 | 2,659 |
| Total interest expense | $3,123,000 | 2,346 |
| Net interest income | $3,841,000 | 2,888 |
| Provision for loan and lease losses | $70,000 | 3,903 |
| Total noninterest income | $393,000 | 4,089 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $60,000 | 5,971 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $333,000 | 2,827 |
| Total noninterest expense | $2,400,000 | 3,458 |
| Salaries and employee benefits | $1,508,000 | 3,104 |
| Premises and equipment expense | $366,000 | 3,207 |
| Additional noninterest expense | $526,000 | 4,313 |
| Pre-tax net operating income | $1,764,000 | 2,550 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $670,000 | 1,907 |
| Income before extraordinary items | $1,094,000 | 2,998 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,094,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 3,063 |
| Cash dividends | $0 | 5,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,094,000 | 2,984 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $3,218,000 | 2,792 |
| Total interest expense | $1,447,000 | 2,397 |
| Net interest income | $1,771,000 | 3,104 |
| Provision for loan and lease losses | $20,000 | 4,517 |
| Total noninterest income | $186,000 | 4,131 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $30,000 | 5,914 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $156,000 | 2,907 |
| Total noninterest expense | $1,130,000 | 3,646 |
| Salaries and employee benefits | $702,000 | 3,327 |
| Premises and equipment expense | $177,000 | 3,309 |
| Additional noninterest expense | $251,000 | 4,460 |
| Pre-tax net operating income | $807,000 | 2,690 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $307,000 | 1,994 |
| Income before extraordinary items | $500,000 | 3,158 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $500,000 | 3,157 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 1,969 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $500,000 | 3,137 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $9,466,000 | 3,302 |
| Total interest expense | $3,731,000 | 2,800 |
| Net interest income | $5,735,000 | 3,556 |
| Provision for loan and lease losses | $130,000 | 4,334 |
| Total noninterest income | $800,000 | 4,048 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $108,000 | 6,181 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $692,000 | 2,800 |
| Total noninterest expense | $4,457,000 | 3,565 |
| Salaries and employee benefits | $2,682,000 | 3,285 |
| Premises and equipment expense | $683,000 | 3,303 |
| Additional noninterest expense | $1,092,000 | 4,132 |
| Pre-tax net operating income | $1,948,000 | 3,755 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $696,000 | 2,829 |
| Income before extraordinary items | $1,252,000 | 4,244 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,252,000 | 4,245 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-229,000 | 8,744 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $2,936,000 | 360 |
| Net operating income | $1,252,000 | 4,222 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $6,570,000 | 3,441 |
| Total interest expense | $2,535,000 | 2,904 |
| Net interest income | $4,035,000 | 3,738 |
| Provision for loan and lease losses | $80,000 | 4,606 |
| Total noninterest income | $565,000 | 4,202 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $83,000 | 6,179 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $482,000 | 2,957 |
| Total noninterest expense | $3,229,000 | 3,634 |
| Salaries and employee benefits | $1,931,000 | 3,382 |
| Premises and equipment expense | $474,000 | 3,494 |
| Additional noninterest expense | $824,000 | 4,093 |
| Pre-tax net operating income | $1,291,000 | 4,138 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $490,000 | 2,986 |
| Income before extraordinary items | $801,000 | 4,750 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $801,000 | 4,752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,413 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $2,936,000 | 265 |
| Net operating income | $801,000 | 4,721 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $4,037,000 | 3,599 |
| Total interest expense | $1,520,000 | 3,009 |
| Net interest income | $2,517,000 | 3,900 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $332,000 | 4,519 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $54,000 | 6,184 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $278,000 | 3,206 |
| Total noninterest expense | $2,080,000 | 3,695 |
| Salaries and employee benefits | $1,230,000 | 3,486 |
| Premises and equipment expense | $312,000 | 3,512 |
| Additional noninterest expense | $538,000 | 4,122 |
| Pre-tax net operating income | $769,000 | 4,371 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $292,000 | 3,148 |
| Income before extraordinary items | $477,000 | 5,002 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $477,000 | 5,004 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-41,000 | 8,419 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $477,000 | 4,948 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,810,000 | 3,907 |
| Total interest expense | $649,000 | 3,304 |
| Net interest income | $1,161,000 | 4,172 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $153,000 | 4,660 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $26,000 | 6,203 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $127,000 | 3,295 |
| Total noninterest expense | $983,000 | 3,897 |
| Salaries and employee benefits | $612,000 | 3,508 |
| Premises and equipment expense | $149,000 | 3,665 |
| Additional noninterest expense | $222,000 | 4,733 |
| Pre-tax net operating income | $331,000 | 4,746 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $126,000 | 3,391 |
| Income before extraordinary items | $205,000 | 5,351 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $205,000 | 5,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,291 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $205,000 | 5,322 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $6,509,000 | 4,014 |
| Total interest expense | $2,191,000 | 3,382 |
| Net interest income | $4,318,000 | 4,249 |
| Provision for loan and lease losses | $890,000 | 1,168 |
| Total noninterest income | $2,077,000 | 2,143 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $297,000 | 4,340 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,780,000 | 1,439 |
| Total noninterest expense | $3,710,000 | 3,977 |
| Salaries and employee benefits | $2,192,000 | 3,702 |
| Premises and equipment expense | $565,000 | 3,718 |
| Additional noninterest expense | $953,000 | 4,525 |
| Pre-tax net operating income | $1,795,000 | 3,793 |
| Securities gains (losses) | $-83,000 | 8,692 |
| Applicable income taxes | $649,000 | 2,895 |
| Income before extraordinary items | $1,063,000 | 4,533 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,063,000 | 4,532 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $204,000 | 2,552 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $5,699,000 | 207 |
| Net operating income | $1,116,120 | 4,319 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,779,000 | 4,066 |
| Total interest expense | $1,585,000 | 3,449 |
| Net interest income | $3,194,000 | 4,290 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $677,000 | 3,820 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $244,000 | 4,160 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $433,000 | 3,058 |
| Total noninterest expense | $2,716,000 | 4,032 |
| Salaries and employee benefits | $1,562,000 | 3,836 |
| Premises and equipment expense | $448,000 | 3,555 |
| Additional noninterest expense | $706,000 | 4,487 |
| Pre-tax net operating income | $795,000 | 5,198 |
| Securities gains (losses) | $55,000 | 1,589 |
| Applicable income taxes | $323,000 | 3,666 |
| Income before extraordinary items | $527,000 | 5,690 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $527,000 | 5,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 5,064 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $1,600,000 | 275 |
| Net operating income | $491,800 | 5,780 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $3,064,000 | 4,173 |
| Total interest expense | $1,033,000 | 3,516 |
| Net interest income | $2,031,000 | 4,424 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $459,000 | 3,772 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $158,000 | 4,210 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $301,000 | 2,983 |
| Total noninterest expense | $1,720,000 | 4,228 |
| Salaries and employee benefits | $1,011,000 | 3,940 |
| Premises and equipment expense | $276,000 | 3,787 |
| Additional noninterest expense | $433,000 | 4,806 |
| Pre-tax net operating income | $500,000 | 5,303 |
| Securities gains (losses) | $59,000 | 1,356 |
| Applicable income taxes | $212,000 | 3,663 |
| Income before extraordinary items | $347,000 | 5,701 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $347,000 | 5,701 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,069 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $1,600,000 | 190 |
| Net operating income | $309,240 | 5,883 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,480,000 | 4,308 |
| Total interest expense | $482,000 | 3,750 |
| Net interest income | $998,000 | 4,489 |
| Provision for loan and lease losses | $130,000 | 1,707 |
| Total noninterest income | $205,000 | 4,006 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $80,000 | 4,116 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $125,000 | 3,263 |
| Total noninterest expense | $803,000 | 4,466 |
| Salaries and employee benefits | $482,000 | 4,125 |
| Premises and equipment expense | $132,000 | 3,942 |
| Additional noninterest expense | $189,000 | 5,269 |
| Pre-tax net operating income | $270,000 | 5,079 |
| Securities gains (losses) | $9,000 | 2,096 |
| Applicable income taxes | $106,000 | 3,688 |
| Income before extraordinary items | $173,000 | 5,680 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $173,000 | 5,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,263 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $1,100,000 | 114 |
| Net operating income | $167,240 | 5,633 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,953,000 | 4,926 |
| Total interest expense | $1,493,000 | 4,879 |
| Net interest income | $3,460,000 | 4,840 |
| Provision for loan and lease losses | $430,000 | 2,443 |
| Total noninterest income | $871,000 | 4,020 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $345,000 | 3,995 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $526,000 | 3,495 |
| Total noninterest expense | $3,175,000 | 4,432 |
| Salaries and employee benefits | $1,920,000 | 4,064 |
| Premises and equipment expense | $450,000 | 4,368 |
| Additional noninterest expense | $805,000 | 5,022 |
| Pre-tax net operating income | $726,000 | 5,919 |
| Securities gains (losses) | $-11,000 | 8,793 |
| Applicable income taxes | $271,000 | 4,440 |
| Income before extraordinary items | $444,000 | 6,597 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $444,000 | 6,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,704 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $1,500,000 | 370 |
| Net operating income | $451,040 | 6,400 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,564,000 | 5,136 |
| Total interest expense | $1,081,000 | 5,133 |
| Net interest income | $2,483,000 | 4,990 |
| Provision for loan and lease losses | $280,000 | 2,641 |
| Total noninterest income | $664,000 | 4,053 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $259,000 | 3,998 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $405,000 | 3,509 |
| Total noninterest expense | $2,317,000 | 4,506 |
| Salaries and employee benefits | $1,426,000 | 4,088 |
| Premises and equipment expense | $301,000 | 4,705 |
| Additional noninterest expense | $590,000 | 5,072 |
| Pre-tax net operating income | $550,000 | 6,075 |
| Securities gains (losses) | $-6,000 | 8,888 |
| Applicable income taxes | $201,000 | 4,638 |
| Income before extraordinary items | $343,000 | 6,691 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $343,000 | 6,691 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,221 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 409 |
| Net operating income | $346,840 | 6,497 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,252,000 | 5,330 |
| Total interest expense | $712,000 | 5,287 |
| Net interest income | $1,540,000 | 5,253 |
| Provision for loan and lease losses | $180,000 | 2,675 |
| Total noninterest income | $420,000 | 4,134 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $166,000 | 4,063 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $254,000 | 3,598 |
| Total noninterest expense | $1,467,000 | 4,665 |
| Salaries and employee benefits | $939,000 | 4,119 |
| Premises and equipment expense | $188,000 | 4,904 |
| Additional noninterest expense | $340,000 | 5,569 |
| Pre-tax net operating income | $313,000 | 6,423 |
| Securities gains (losses) | $-14,000 | 9,079 |
| Applicable income taxes | $106,000 | 5,052 |
| Income before extraordinary items | $193,000 | 7,034 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $193,000 | 7,037 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $300,000 | 290 |
| Net operating income | $202,100 | 6,758 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,041,000 | 5,639 |
| Total interest expense | $338,000 | 5,552 |
| Net interest income | $703,000 | 5,538 |
| Provision for loan and lease losses | $90,000 | 2,494 |
| Total noninterest income | $203,000 | 4,124 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $77,000 | 4,164 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $126,000 | 3,520 |
| Total noninterest expense | $725,000 | 4,681 |
| Salaries and employee benefits | $471,000 | 4,084 |
| Premises and equipment expense | $93,000 | 4,937 |
| Additional noninterest expense | $161,000 | 5,702 |
| Pre-tax net operating income | $91,000 | 7,328 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $32,000 | 5,652 |
| Income before extraordinary items | $59,000 | 7,706 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $59,000 | 7,706 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $59,000 | 7,557 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,785,000 | 7,066 |
| Total interest expense | $997,000 | 6,940 |
| Net interest income | $1,788,000 | 6,979 |
| Provision for loan and lease losses | $377,000 | 2,954 |
| Total noninterest income | $490,000 | 5,276 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $282,000 | 4,369 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $208,000 | 4,932 |
| Total noninterest expense | $1,929,000 | 5,999 |
| Salaries and employee benefits | $1,206,000 | 5,467 |
| Premises and equipment expense | $224,000 | 6,471 |
| Additional noninterest expense | $499,000 | 6,501 |
| Pre-tax net operating income | $-28,000 | 8,680 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $3,000 | 7,526 |
| Income before extraordinary items | $-31,000 | 8,773 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $-31,000 | 8,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $182,000 | 3,160 |
| Cash dividends | $0 | 6,377 |
| Sale, conversion, retirement of capital stock, net | $2,700,000 | 243 |
| Net operating income | $-31,000 | 8,699 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,382,000 | 7,865 |
| Total interest expense | $1,189,000 | 7,628 |
| Net interest income | $1,193,000 | 7,896 |
| Provision for loan and lease losses | $253,000 | 3,574 |
| Total noninterest income | $340,000 | 6,085 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $274,000 | 4,405 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $66,000 | 7,230 |
| Total noninterest expense | $1,058,000 | 7,808 |
| Salaries and employee benefits | $561,000 | 7,847 |
| Premises and equipment expense | $124,000 | 7,941 |
| Additional noninterest expense | $373,000 | 7,340 |
| Pre-tax net operating income | $222,000 | 7,777 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $77,000 | 6,310 |
| Income before extraordinary items | $145,000 | 8,058 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $145,000 | 8,060 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,313 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $145,000 | 7,941 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,480,000 | 7,923 |
| Total interest expense | $1,120,000 | 7,971 |
| Net interest income | $1,360,000 | 7,732 |
| Provision for loan and lease losses | $233,000 | 3,434 |
| Total noninterest income | $355,000 | 5,856 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,486 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 6,404 |
| Total noninterest expense | $1,059,000 | 7,852 |
| Salaries and employee benefits | $538,000 | 8,042 |
| Premises and equipment expense | $156,000 | 7,501 |
| Additional noninterest expense | $365,000 | 7,438 |
| Pre-tax net operating income | $423,000 | 7,352 |
| Securities gains (losses) | $-1,000 | 7,406 |
| Applicable income taxes | $147,000 | 5,956 |
| Income before extraordinary items | $275,000 | 7,628 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $275,000 | 7,628 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 3,579 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $275,650 | 7,632 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,018,000 | 8,476 |
| Total interest expense | $892,000 | 8,468 |
| Net interest income | $1,126,000 | 8,349 |
| Provision for loan and lease losses | $132,000 | 4,547 |
| Total noninterest income | $309,000 | 6,369 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $254,000 | 4,479 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 7,882 |
| Total noninterest expense | $1,008,000 | 8,106 |
| Salaries and employee benefits | $504,000 | 8,325 |
| Premises and equipment expense | $149,000 | 7,678 |
| Additional noninterest expense | $355,000 | 7,658 |
| Pre-tax net operating income | $295,000 | 8,121 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-19,000 | 9,713 |
| Income before extraordinary items | $314,000 | 7,507 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $314,000 | 7,506 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $314,000 | 7,479 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $1,649,000 | 9,103 |
| Total interest expense | $714,000 | 9,167 |
| Net interest income | $935,000 | 8,947 |
| Provision for loan and lease losses | $104,000 | 5,028 |
| Total noninterest income | $252,000 | 6,984 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $200,000 | 5,148 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $52,000 | 8,090 |
| Total noninterest expense | $912,000 | 8,395 |
| Salaries and employee benefits | $472,000 | 8,528 |
| Premises and equipment expense | $161,000 | 7,418 |
| Additional noninterest expense | $279,000 | 8,314 |
| Pre-tax net operating income | $171,000 | 9,059 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $172,000 | 8,828 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $172,000 | 8,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,759 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $171,000 | 8,768 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,056,000 | 10,246 |
| Total interest expense | $376,000 | 10,383 |
| Net interest income | $680,000 | 9,993 |
| Provision for loan and lease losses | $120,000 | 4,629 |
| Total noninterest income | $179,000 | 8,138 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $141,000 | 6,332 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $38,000 | 8,946 |
| Total noninterest expense | $850,000 | 8,850 |
| Salaries and employee benefits | $445,000 | 8,970 |
| Premises and equipment expense | $135,000 | 8,126 |
| Additional noninterest expense | $270,000 | 8,624 |
| Pre-tax net operating income | $-111,000 | 10,496 |
| Securities gains (losses) | $3,000 | 3,097 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $-108,000 | 10,530 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-108,000 | 10,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,126 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-111,000 | 10,501 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $380,000 | 11,315 |
| Total interest expense | $101,000 | 11,331 |
| Net interest income | $279,000 | 11,256 |
| Provision for loan and lease losses | $73,000 | 5,762 |
| Total noninterest income | $77,000 | 10,337 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $57,000 | 8,643 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $20,000 | 10,411 |
| Total noninterest expense | $805,000 | 9,412 |
| Salaries and employee benefits | $455,000 | 9,207 |
| Premises and equipment expense | $96,000 | 9,398 |
| Additional noninterest expense | $254,000 | 9,355 |
| Pre-tax net operating income | $-522,000 | 11,244 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-522,000 | 11,275 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-522,000 | 11,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,286 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $3,300,000 | 211 |
| Net operating income | $-522,000 | 11,244 |
* 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.