Home > First National Bank > Income and Expense
First National Bank, Income and Expense
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $5,130,000 | 4,749 |
| Total interest expense | $1,336,000 | 4,543 |
| Net interest income | $3,794,000 | 4,733 |
| Provision for loan and lease losses | $0 | 7,042 |
| Total noninterest income | $471,000 | 4,682 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $412,000 | 3,021 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $59,000 | 5,967 |
| Total noninterest expense | $3,054,000 | 4,981 |
| Salaries and employee benefits | $1,903,000 | 4,378 |
| Premises and equipment expense | $373,000 | 4,918 |
| Additional noninterest expense | $778,000 | 5,673 |
| Pre-tax net operating income | $1,211,000 | 3,072 |
| Securities gains (losses) | $0 | 3,793 |
| Applicable income taxes | $46,000 | 3,673 |
| Income before extraordinary items | $1,165,000 | 2,971 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,165,000 | 2,967 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,165,000 | 2,971 |
| Net charge-offs | $7,000 | 6,639 |
| Cash dividends | $800,000 | 1,753 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,165,000 | 2,845 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $3,864,000 | 4,828 |
| Total interest expense | $1,042,000 | 4,595 |
| Net interest income | $2,822,000 | 4,821 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $354,000 | 4,757 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $309,000 | 3,096 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $45,000 | 6,103 |
| Total noninterest expense | $2,288,000 | 4,993 |
| Salaries and employee benefits | $1,410,000 | 4,446 |
| Premises and equipment expense | $282,000 | 4,975 |
| Additional noninterest expense | $596,000 | 5,664 |
| Pre-tax net operating income | $888,000 | 3,295 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $34,000 | 3,776 |
| Income before extraordinary items | $854,000 | 3,172 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $854,000 | 3,170 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $854,000 | 3,172 |
| Net charge-offs | $-2,000 | 7,281 |
| Cash dividends | $600,000 | 1,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $854,000 | 3,053 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $2,600,000 | 4,845 |
| Total interest expense | $714,000 | 4,635 |
| Net interest income | $1,886,000 | 4,821 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $236,000 | 4,736 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $203,000 | 3,135 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $33,000 | 6,051 |
| Total noninterest expense | $1,529,000 | 5,017 |
| Salaries and employee benefits | $944,000 | 4,452 |
| Premises and equipment expense | $187,000 | 5,032 |
| Additional noninterest expense | $398,000 | 5,672 |
| Pre-tax net operating income | $593,000 | 3,324 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $23,000 | 3,716 |
| Income before extraordinary items | $570,000 | 3,170 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $570,000 | 3,165 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $570,000 | 3,168 |
| Net charge-offs | $3,000 | 6,164 |
| Cash dividends | $400,000 | 1,555 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $570,000 | 3,061 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,306,000 | 4,890 |
| Total interest expense | $357,000 | 4,768 |
| Net interest income | $949,000 | 4,822 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $111,000 | 4,867 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $98,000 | 3,183 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $13,000 | 6,398 |
| Total noninterest expense | $760,000 | 5,080 |
| Salaries and employee benefits | $460,000 | 4,583 |
| Premises and equipment expense | $94,000 | 5,101 |
| Additional noninterest expense | $206,000 | 5,617 |
| Pre-tax net operating income | $300,000 | 3,348 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $11,000 | 3,764 |
| Income before extraordinary items | $289,000 | 3,206 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $289,000 | 3,202 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $289,000 | 3,206 |
| Net charge-offs | $6,000 | 5,069 |
| Cash dividends | $225,000 | 1,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $289,000 | 3,096 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $5,436,000 | 4,887 |
| Total interest expense | $1,657,000 | 4,924 |
| Net interest income | $3,779,000 | 4,736 |
| Provision for loan and lease losses | $0 | 7,427 |
| Total noninterest income | $480,000 | 4,804 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $417,000 | 3,247 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $63,000 | 6,140 |
| Total noninterest expense | $3,046,000 | 5,134 |
| Salaries and employee benefits | $1,847,000 | 4,607 |
| Premises and equipment expense | $357,000 | 5,275 |
| Additional noninterest expense | $842,000 | 5,689 |
| Pre-tax net operating income | $1,213,000 | 2,691 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $44,000 | 3,325 |
| Income before extraordinary items | $1,169,000 | 2,516 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,169,000 | 2,514 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,169,000 | 2,515 |
| Net charge-offs | $19,000 | 6,679 |
| Cash dividends | $900,000 | 1,759 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,169,000 | 2,471 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $4,076,000 | 4,962 |
| Total interest expense | $1,289,000 | 4,978 |
| Net interest income | $2,787,000 | 4,797 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $352,000 | 4,910 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $305,000 | 3,308 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $47,000 | 6,286 |
| Total noninterest expense | $2,278,000 | 5,166 |
| Salaries and employee benefits | $1,368,000 | 4,667 |
| Premises and equipment expense | $270,000 | 5,291 |
| Additional noninterest expense | $640,000 | 5,664 |
| Pre-tax net operating income | $861,000 | 2,998 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $32,000 | 3,575 |
| Income before extraordinary items | $829,000 | 2,802 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $829,000 | 2,799 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $829,000 | 2,802 |
| Net charge-offs | $-3,000 | 7,743 |
| Cash dividends | $675,000 | 1,665 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $829,000 | 2,753 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 4,999 |
| Total interest expense | $891,000 | 5,014 |
| Net interest income | $1,828,000 | 4,843 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $234,000 | 4,936 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $202,000 | 3,297 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $32,000 | 6,339 |
| Total noninterest expense | $1,527,000 | 5,192 |
| Salaries and employee benefits | $913,000 | 4,709 |
| Premises and equipment expense | $179,000 | 5,353 |
| Additional noninterest expense | $435,000 | 5,608 |
| Pre-tax net operating income | $535,000 | 3,199 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $21,000 | 3,672 |
| Income before extraordinary items | $514,000 | 3,037 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $514,000 | 3,035 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $514,000 | 3,036 |
| Net charge-offs | $-1,000 | 7,516 |
| Cash dividends | $425,000 | 1,812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $514,000 | 2,935 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,359,000 | 5,029 |
| Total interest expense | $461,000 | 5,047 |
| Net interest income | $898,000 | 4,896 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $104,000 | 5,136 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $92,000 | 3,418 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $12,000 | 6,706 |
| Total noninterest expense | $721,000 | 5,300 |
| Salaries and employee benefits | $447,000 | 4,818 |
| Premises and equipment expense | $90,000 | 5,382 |
| Additional noninterest expense | $184,000 | 5,798 |
| Pre-tax net operating income | $281,000 | 3,438 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $11,000 | 3,919 |
| Income before extraordinary items | $270,000 | 3,311 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $270,000 | 3,311 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $270,000 | 3,312 |
| Net charge-offs | $1,000 | 5,564 |
| Cash dividends | $200,000 | 1,688 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $270,000 | 3,169 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $5,917,000 | 4,976 |
| Total interest expense | $2,345,000 | 4,912 |
| Net interest income | $3,572,000 | 4,922 |
| Provision for loan and lease losses | $-52,000 | 8,237 |
| Total noninterest income | $500,000 | 4,840 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $439,000 | 3,273 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $61,000 | 6,550 |
| Total noninterest expense | $2,884,000 | 5,249 |
| Salaries and employee benefits | $1,813,000 | 4,761 |
| Premises and equipment expense | $347,000 | 5,439 |
| Additional noninterest expense | $724,000 | 5,726 |
| Pre-tax net operating income | $1,240,000 | 3,357 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $42,000 | 3,938 |
| Income before extraordinary items | $1,198,000 | 2,925 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,198,000 | 2,924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 8,009 |
| Cash dividends | $1,100,000 | 2,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,198,000 | 3,064 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $4,493,000 | 5,016 |
| Total interest expense | $1,844,000 | 4,902 |
| Net interest income | $2,649,000 | 4,982 |
| Provision for loan and lease losses | $-52,000 | 8,309 |
| Total noninterest income | $375,000 | 4,953 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $328,000 | 3,312 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $47,000 | 6,671 |
| Total noninterest expense | $2,130,000 | 5,273 |
| Salaries and employee benefits | $1,311,000 | 4,890 |
| Premises and equipment expense | $272,000 | 5,364 |
| Additional noninterest expense | $547,000 | 5,678 |
| Pre-tax net operating income | $946,000 | 3,784 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $31,000 | 4,397 |
| Income before extraordinary items | $915,000 | 3,282 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $915,000 | 3,280 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,914 |
| Cash dividends | $825,000 | 2,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $915,000 | 3,416 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,055,000 | 5,022 |
| Total interest expense | $1,293,000 | 4,894 |
| Net interest income | $1,762,000 | 5,000 |
| Provision for loan and lease losses | $-52,000 | 8,379 |
| Total noninterest income | $250,000 | 4,997 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $214,000 | 3,348 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $36,000 | 6,561 |
| Total noninterest expense | $1,411,000 | 5,320 |
| Salaries and employee benefits | $873,000 | 4,930 |
| Premises and equipment expense | $178,000 | 5,454 |
| Additional noninterest expense | $360,000 | 5,715 |
| Pre-tax net operating income | $653,000 | 3,831 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $21,000 | 4,649 |
| Income before extraordinary items | $632,000 | 3,521 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $632,000 | 3,521 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,906 |
| Cash dividends | $550,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $632,000 | 3,466 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,542,000 | 5,089 |
| Total interest expense | $689,000 | 4,920 |
| Net interest income | $853,000 | 5,109 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $113,000 | 5,199 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $101,000 | 3,432 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $12,000 | 7,050 |
| Total noninterest expense | $705,000 | 5,345 |
| Salaries and employee benefits | $423,000 | 5,075 |
| Premises and equipment expense | $90,000 | 5,469 |
| Additional noninterest expense | $192,000 | 5,487 |
| Pre-tax net operating income | $261,000 | 4,449 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $10,000 | 4,802 |
| Income before extraordinary items | $251,000 | 4,197 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $251,000 | 4,199 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,009 |
| Cash dividends | $225,000 | 2,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $251,000 | 4,098 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $6,351,000 | 5,024 |
| Total interest expense | $2,748,000 | 5,020 |
| Net interest income | $3,603,000 | 4,946 |
| Provision for loan and lease losses | $-56,000 | 8,332 |
| Total noninterest income | $464,000 | 5,182 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $401,000 | 3,521 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $63,000 | 6,845 |
| Total noninterest expense | $2,842,000 | 5,176 |
| Salaries and employee benefits | $1,818,000 | 4,718 |
| Premises and equipment expense | $319,000 | 5,643 |
| Additional noninterest expense | $705,000 | 5,713 |
| Pre-tax net operating income | $1,281,000 | 4,223 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $38,000 | 5,080 |
| Income before extraordinary items | $1,243,000 | 3,870 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,243,000 | 3,869 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-84,000 | 8,362 |
| Cash dividends | $1,200,000 | 2,329 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,243,000 | 3,860 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $4,669,000 | 5,117 |
| Total interest expense | $2,039,000 | 5,060 |
| Net interest income | $2,630,000 | 5,036 |
| Provision for loan and lease losses | $-56,000 | 8,384 |
| Total noninterest income | $342,000 | 5,261 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $297,000 | 3,536 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $45,000 | 6,932 |
| Total noninterest expense | $2,080,000 | 5,234 |
| Salaries and employee benefits | $1,334,000 | 4,755 |
| Premises and equipment expense | $241,000 | 5,603 |
| Additional noninterest expense | $505,000 | 5,795 |
| Pre-tax net operating income | $948,000 | 4,473 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $28,000 | 5,296 |
| Income before extraordinary items | $920,000 | 4,071 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $920,000 | 4,070 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-69,000 | 8,305 |
| Cash dividends | $775,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $920,000 | 4,057 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $3,026,000 | 5,226 |
| Total interest expense | $1,349,000 | 5,089 |
| Net interest income | $1,677,000 | 5,224 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $227,000 | 5,304 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $193,000 | 3,579 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $34,000 | 6,824 |
| Total noninterest expense | $1,380,000 | 5,284 |
| Salaries and employee benefits | $880,000 | 4,822 |
| Premises and equipment expense | $159,000 | 5,666 |
| Additional noninterest expense | $341,000 | 5,764 |
| Pre-tax net operating income | $524,000 | 4,940 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $19,000 | 5,371 |
| Income before extraordinary items | $505,000 | 4,521 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $505,000 | 4,522 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,510 |
| Cash dividends | $475,000 | 2,515 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $505,000 | 4,516 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,495,000 | 5,267 |
| Total interest expense | $670,000 | 5,092 |
| Net interest income | $825,000 | 5,279 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $103,000 | 5,473 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $92,000 | 3,616 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $11,000 | 7,311 |
| Total noninterest expense | $700,000 | 5,251 |
| Salaries and employee benefits | $448,000 | 4,795 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $170,000 | 5,750 |
| Pre-tax net operating income | $228,000 | 5,240 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $9,000 | 5,389 |
| Income before extraordinary items | $219,000 | 4,856 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $219,000 | 4,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $210,000 | 2,351 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $219,000 | 4,825 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $5,883,000 | 5,077 |
| Total interest expense | $2,365,000 | 4,971 |
| Net interest income | $3,518,000 | 5,042 |
| Provision for loan and lease losses | $18,000 | 6,359 |
| Total noninterest income | $464,000 | 5,296 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $401,000 | 3,534 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $63,000 | 6,999 |
| Total noninterest expense | $2,819,000 | 5,098 |
| Salaries and employee benefits | $1,796,000 | 4,618 |
| Premises and equipment expense | $310,000 | 5,659 |
| Additional noninterest expense | $713,000 | 5,582 |
| Pre-tax net operating income | $1,145,000 | 4,887 |
| Securities gains (losses) | $-13,000 | 7,384 |
| Applicable income taxes | $37,000 | 5,629 |
| Income before extraordinary items | $1,095,000 | 4,503 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,095,000 | 4,503 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-28,000 | 8,219 |
| Cash dividends | $1,075,000 | 2,447 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,107,610 | 4,459 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $4,324,000 | 5,135 |
| Total interest expense | $1,672,000 | 5,043 |
| Net interest income | $2,652,000 | 5,062 |
| Provision for loan and lease losses | $18,000 | 6,058 |
| Total noninterest income | $345,000 | 5,330 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $296,000 | 3,596 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $49,000 | 6,962 |
| Total noninterest expense | $2,122,000 | 5,067 |
| Salaries and employee benefits | $1,367,000 | 4,553 |
| Premises and equipment expense | $228,000 | 5,738 |
| Additional noninterest expense | $527,000 | 5,614 |
| Pre-tax net operating income | $857,000 | 5,080 |
| Securities gains (losses) | $-13,000 | 7,688 |
| Applicable income taxes | $28,000 | 5,792 |
| Income before extraordinary items | $816,000 | 4,651 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $816,000 | 4,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 7,896 |
| Cash dividends | $850,000 | 2,166 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $828,610 | 4,613 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 5,127 |
| Total interest expense | $1,053,000 | 5,097 |
| Net interest income | $1,799,000 | 5,030 |
| Provision for loan and lease losses | $18,000 | 5,601 |
| Total noninterest income | $230,000 | 5,326 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $194,000 | 3,610 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $36,000 | 6,875 |
| Total noninterest expense | $1,407,000 | 5,100 |
| Salaries and employee benefits | $908,000 | 4,590 |
| Premises and equipment expense | $156,000 | 5,678 |
| Additional noninterest expense | $343,000 | 5,676 |
| Pre-tax net operating income | $604,000 | 4,978 |
| Securities gains (losses) | $-13,000 | 7,948 |
| Applicable income taxes | $18,000 | 5,852 |
| Income before extraordinary items | $573,000 | 4,556 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $573,000 | 4,560 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,784 |
| Cash dividends | $600,000 | 2,089 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $585,610 | 4,494 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,405,000 | 5,116 |
| Total interest expense | $505,000 | 5,092 |
| Net interest income | $900,000 | 5,031 |
| Provision for loan and lease losses | $9,000 | 5,345 |
| Total noninterest income | $110,000 | 5,399 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $98,000 | 3,520 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $697,000 | 5,148 |
| Salaries and employee benefits | $457,000 | 4,584 |
| Premises and equipment expense | $78,000 | 5,692 |
| Additional noninterest expense | $162,000 | 5,824 |
| Pre-tax net operating income | $304,000 | 4,939 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $9,000 | 5,806 |
| Income before extraordinary items | $295,000 | 4,463 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $295,000 | 4,463 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 3,919 |
| Cash dividends | $300,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $295,000 | 4,450 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $5,200,000 | 5,030 |
| Total interest expense | $1,536,000 | 5,168 |
| Net interest income | $3,664,000 | 4,888 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $447,000 | 5,491 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $376,000 | 3,693 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $71,000 | 6,919 |
| Total noninterest expense | $2,734,000 | 5,079 |
| Salaries and employee benefits | $1,763,000 | 4,543 |
| Premises and equipment expense | $320,000 | 5,554 |
| Additional noninterest expense | $651,000 | 5,795 |
| Pre-tax net operating income | $1,317,000 | 4,691 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $35,000 | 6,062 |
| Income before extraordinary items | $1,282,000 | 4,187 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,282,000 | 4,188 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,136 |
| Cash dividends | $1,250,000 | 2,073 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,282,000 | 4,161 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,811,000 | 5,065 |
| Total interest expense | $1,085,000 | 5,217 |
| Net interest income | $2,726,000 | 4,927 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $336,000 | 5,516 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $278,000 | 3,738 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $58,000 | 6,825 |
| Total noninterest expense | $2,049,000 | 5,055 |
| Salaries and employee benefits | $1,320,000 | 4,517 |
| Premises and equipment expense | $281,000 | 5,047 |
| Additional noninterest expense | $448,000 | 6,039 |
| Pre-tax net operating income | $968,000 | 4,854 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $26,000 | 6,161 |
| Income before extraordinary items | $942,000 | 4,338 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $942,000 | 4,338 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $23,000 | 4,382 |
| Cash dividends | $900,000 | 1,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $942,000 | 4,283 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,507,000 | 5,053 |
| Total interest expense | $686,000 | 5,212 |
| Net interest income | $1,821,000 | 4,907 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $230,000 | 5,432 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $187,000 | 3,662 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $43,000 | 6,655 |
| Total noninterest expense | $1,358,000 | 5,072 |
| Salaries and employee benefits | $865,000 | 4,547 |
| Premises and equipment expense | $194,000 | 4,925 |
| Additional noninterest expense | $299,000 | 6,011 |
| Pre-tax net operating income | $663,000 | 4,755 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $18,000 | 6,142 |
| Income before extraordinary items | $645,000 | 4,231 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $645,000 | 4,232 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 4,010 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $645,000 | 4,178 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,262,000 | 5,024 |
| Total interest expense | $320,000 | 5,312 |
| Net interest income | $942,000 | 4,814 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $107,000 | 5,534 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $89,000 | 3,718 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $18,000 | 7,012 |
| Total noninterest expense | $685,000 | 5,075 |
| Salaries and employee benefits | $437,000 | 4,529 |
| Premises and equipment expense | $98,000 | 4,931 |
| Additional noninterest expense | $150,000 | 6,007 |
| Pre-tax net operating income | $349,000 | 4,605 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $9,000 | 6,134 |
| Income before extraordinary items | $340,000 | 4,028 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $340,000 | 4,030 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,481 |
| Cash dividends | $300,000 | 1,719 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $340,000 | 3,989 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,846,000 | 4,956 |
| Total interest expense | $1,237,000 | 5,035 |
| Net interest income | $3,609,000 | 4,814 |
| Provision for loan and lease losses | $87,000 | 5,241 |
| Total noninterest income | $530,000 | 5,128 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $438,000 | 3,438 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $92,000 | 6,549 |
| Total noninterest expense | $2,663,000 | 5,073 |
| Salaries and employee benefits | $1,713,000 | 4,498 |
| Premises and equipment expense | $340,000 | 5,312 |
| Additional noninterest expense | $610,000 | 5,916 |
| Pre-tax net operating income | $1,389,000 | 4,452 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $36,000 | 6,235 |
| Income before extraordinary items | $1,353,000 | 3,896 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,353,000 | 3,897 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $103,000 | 3,584 |
| Cash dividends | $1,300,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,353,000 | 3,831 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,628,000 | 4,949 |
| Total interest expense | $925,000 | 5,005 |
| Net interest income | $2,703,000 | 4,791 |
| Provision for loan and lease losses | $72,000 | 4,871 |
| Total noninterest income | $403,000 | 5,112 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $330,000 | 3,445 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $73,000 | 6,476 |
| Total noninterest expense | $1,991,000 | 5,052 |
| Salaries and employee benefits | $1,276,000 | 4,473 |
| Premises and equipment expense | $269,000 | 5,098 |
| Additional noninterest expense | $446,000 | 5,961 |
| Pre-tax net operating income | $1,043,000 | 4,503 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $28,000 | 6,342 |
| Income before extraordinary items | $1,015,000 | 3,957 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,015,000 | 3,958 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 3,410 |
| Cash dividends | $950,000 | 1,780 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,015,000 | 3,896 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,420,000 | 4,953 |
| Total interest expense | $615,000 | 5,034 |
| Net interest income | $1,805,000 | 4,802 |
| Provision for loan and lease losses | $48,000 | 4,777 |
| Total noninterest income | $266,000 | 5,121 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $211,000 | 3,513 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 6,266 |
| Total noninterest expense | $1,317,000 | 5,086 |
| Salaries and employee benefits | $841,000 | 4,543 |
| Premises and equipment expense | $181,000 | 5,097 |
| Additional noninterest expense | $295,000 | 6,021 |
| Pre-tax net operating income | $706,000 | 4,430 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $18,000 | 6,344 |
| Income before extraordinary items | $688,000 | 3,892 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $688,000 | 3,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 2,524 |
| Cash dividends | $600,000 | 1,866 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $688,000 | 3,807 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,234,000 | 4,910 |
| Total interest expense | $309,000 | 5,078 |
| Net interest income | $925,000 | 4,731 |
| Provision for loan and lease losses | $24,000 | 4,604 |
| Total noninterest income | $122,000 | 5,292 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $104,000 | 3,485 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $18,000 | 6,980 |
| Total noninterest expense | $665,000 | 5,083 |
| Salaries and employee benefits | $427,000 | 4,504 |
| Premises and equipment expense | $89,000 | 5,208 |
| Additional noninterest expense | $149,000 | 6,013 |
| Pre-tax net operating income | $358,000 | 4,367 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $9,000 | 6,307 |
| Income before extraordinary items | $349,000 | 3,858 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $349,000 | 3,857 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $82,000 | 1,489 |
| Cash dividends | $300,000 | 1,707 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $349,000 | 3,741 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,067,000 | 4,851 |
| Total interest expense | $1,544,000 | 4,786 |
| Net interest income | $3,523,000 | 4,770 |
| Provision for loan and lease losses | $96,000 | 5,391 |
| Total noninterest income | $526,000 | 5,301 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $441,000 | 3,431 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $85,000 | 6,798 |
| Total noninterest expense | $2,630,000 | 5,030 |
| Salaries and employee benefits | $1,732,000 | 4,380 |
| Premises and equipment expense | $305,000 | 5,624 |
| Additional noninterest expense | $593,000 | 6,027 |
| Pre-tax net operating income | $1,323,000 | 4,431 |
| Securities gains (losses) | $1,000 | 4,307 |
| Applicable income taxes | $38,000 | 6,461 |
| Income before extraordinary items | $1,286,000 | 3,954 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,286,000 | 3,955 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $110,000 | 3,900 |
| Cash dividends | $1,200,000 | 2,037 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,285,030 | 3,786 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,826,000 | 4,881 |
| Total interest expense | $1,206,000 | 4,807 |
| Net interest income | $2,620,000 | 4,803 |
| Provision for loan and lease losses | $72,000 | 5,277 |
| Total noninterest income | $388,000 | 5,398 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $326,000 | 3,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $62,000 | 6,893 |
| Total noninterest expense | $2,008,000 | 4,969 |
| Salaries and employee benefits | $1,314,000 | 4,334 |
| Premises and equipment expense | $263,000 | 5,158 |
| Additional noninterest expense | $431,000 | 6,123 |
| Pre-tax net operating income | $928,000 | 4,756 |
| Securities gains (losses) | $1,000 | 4,000 |
| Applicable income taxes | $28,000 | 6,613 |
| Income before extraordinary items | $901,000 | 4,287 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $901,000 | 4,288 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 3,062 |
| Cash dividends | $900,000 | 1,869 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $900,030 | 4,114 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,588,000 | 4,872 |
| Total interest expense | $841,000 | 4,774 |
| Net interest income | $1,747,000 | 4,808 |
| Provision for loan and lease losses | $48,000 | 5,200 |
| Total noninterest income | $262,000 | 5,327 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $213,000 | 3,472 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $49,000 | 6,605 |
| Total noninterest expense | $1,354,000 | 4,928 |
| Salaries and employee benefits | $884,000 | 4,305 |
| Premises and equipment expense | $174,000 | 5,157 |
| Additional noninterest expense | $296,000 | 6,020 |
| Pre-tax net operating income | $607,000 | 4,803 |
| Securities gains (losses) | $1,000 | 3,586 |
| Applicable income taxes | $19,000 | 6,636 |
| Income before extraordinary items | $589,000 | 4,356 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $589,000 | 4,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 3,562 |
| Cash dividends | $600,000 | 1,881 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $588,030 | 4,151 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,313,000 | 4,841 |
| Total interest expense | $427,000 | 4,838 |
| Net interest income | $886,000 | 4,754 |
| Provision for loan and lease losses | $24,000 | 4,998 |
| Total noninterest income | $115,000 | 5,560 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $99,000 | 3,577 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $16,000 | 7,254 |
| Total noninterest expense | $692,000 | 4,833 |
| Salaries and employee benefits | $452,000 | 4,227 |
| Premises and equipment expense | $87,000 | 5,158 |
| Additional noninterest expense | $153,000 | 5,860 |
| Pre-tax net operating income | $285,000 | 4,922 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $9,000 | 6,623 |
| Income before extraordinary items | $276,000 | 4,455 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $276,000 | 4,455 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $276,000 | 4,258 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,731,000 | 4,700 |
| Total interest expense | $2,073,000 | 4,673 |
| Net interest income | $3,658,000 | 4,627 |
| Provision for loan and lease losses | $48,000 | 6,757 |
| Total noninterest income | $515,000 | 5,129 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $410,000 | 3,481 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $105,000 | 6,345 |
| Total noninterest expense | $2,645,000 | 4,883 |
| Salaries and employee benefits | $1,773,000 | 4,144 |
| Premises and equipment expense | $310,000 | 5,463 |
| Additional noninterest expense | $562,000 | 6,149 |
| Pre-tax net operating income | $1,480,000 | 4,156 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $36,000 | 6,735 |
| Income before extraordinary items | $1,444,000 | 3,602 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,444,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 5,236 |
| Cash dividends | $1,400,000 | 1,720 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,444,000 | 3,499 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,705,000 | 4,569 |
| Total interest expense | $3,349,000 | 4,343 |
| Net interest income | $3,356,000 | 4,685 |
| Provision for loan and lease losses | $25,000 | 7,375 |
| Total noninterest income | $514,000 | 4,990 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $386,000 | 3,497 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $2,609,000 | 4,819 |
| Salaries and employee benefits | $1,716,000 | 4,064 |
| Premises and equipment expense | $329,000 | 5,234 |
| Additional noninterest expense | $564,000 | 6,067 |
| Pre-tax net operating income | $1,236,000 | 4,358 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $33,000 | 7,012 |
| Income before extraordinary items | $1,203,000 | 3,801 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,203,000 | 3,803 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,506 |
| Cash dividends | $1,200,000 | 1,967 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,203,000 | 3,680 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,118,000 | 4,520 |
| Total interest expense | $3,414,000 | 4,470 |
| Net interest income | $3,704,000 | 4,435 |
| Provision for loan and lease losses | $165,000 | 4,200 |
| Total noninterest income | $481,000 | 5,016 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,629 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $135,000 | 5,731 |
| Total noninterest expense | $2,562,000 | 4,777 |
| Salaries and employee benefits | $1,617,000 | 4,116 |
| Premises and equipment expense | $371,000 | 4,747 |
| Additional noninterest expense | $574,000 | 5,942 |
| Pre-tax net operating income | $1,458,000 | 4,139 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $34,000 | 7,524 |
| Income before extraordinary items | $1,424,000 | 3,389 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,424,000 | 3,387 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,361 |
| Cash dividends | $1,350,000 | 1,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,424,000 | 3,377 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,630,000 | 4,599 |
| Total interest expense | $3,091,000 | 4,490 |
| Net interest income | $3,539,000 | 4,619 |
| Provision for loan and lease losses | $165,000 | 4,039 |
| Total noninterest income | $471,000 | 5,142 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $346,000 | 3,598 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,074 |
| Total noninterest expense | $2,573,000 | 4,769 |
| Salaries and employee benefits | $1,620,000 | 4,080 |
| Premises and equipment expense | $397,000 | 4,565 |
| Additional noninterest expense | $556,000 | 6,110 |
| Pre-tax net operating income | $1,272,000 | 4,592 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $34,000 | 7,921 |
| Income before extraordinary items | $1,238,000 | 3,777 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,238,000 | 3,778 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $132,000 | 3,068 |
| Cash dividends | $1,200,000 | 1,962 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,238,000 | 3,747 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $7,144,000 | 4,330 |
| Total interest expense | $3,375,000 | 4,283 |
| Net interest income | $3,769,000 | 4,327 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $398,000 | 5,632 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $273,000 | 4,230 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $125,000 | 6,108 |
| Total noninterest expense | $2,592,000 | 4,643 |
| Salaries and employee benefits | $1,545,000 | 4,147 |
| Premises and equipment expense | $448,000 | 4,025 |
| Additional noninterest expense | $599,000 | 5,764 |
| Pre-tax net operating income | $1,575,000 | 4,030 |
| Securities gains (losses) | $2,000 | 3,909 |
| Applicable income taxes | $245,000 | 5,696 |
| Income before extraordinary items | $1,332,000 | 3,601 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,332,000 | 3,601 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-37,000 | 10,035 |
| Cash dividends | $1,300,000 | 1,837 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,330,320 | 3,508 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $7,174,000 | 4,408 |
| Total interest expense | $3,487,000 | 4,148 |
| Net interest income | $3,687,000 | 4,542 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $327,000 | 6,368 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $252,000 | 4,642 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $75,000 | 7,536 |
| Total noninterest expense | $2,531,000 | 4,745 |
| Salaries and employee benefits | $1,483,000 | 4,296 |
| Premises and equipment expense | $440,000 | 4,114 |
| Additional noninterest expense | $608,000 | 5,752 |
| Pre-tax net operating income | $1,483,000 | 4,533 |
| Securities gains (losses) | $68,000 | 1,163 |
| Applicable income taxes | $447,000 | 4,551 |
| Income before extraordinary items | $1,104,000 | 4,351 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,104,000 | 4,352 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,371 |
| Cash dividends | $1,063,000 | 2,059 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,055,720 | 4,448 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $6,921,000 | 4,622 |
| Total interest expense | $3,324,000 | 4,377 |
| Net interest income | $3,597,000 | 4,718 |
| Provision for loan and lease losses | $103,000 | 5,016 |
| Total noninterest income | $349,000 | 6,448 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $265,000 | 4,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $84,000 | 7,617 |
| Total noninterest expense | $2,303,000 | 5,337 |
| Salaries and employee benefits | $1,397,000 | 4,594 |
| Premises and equipment expense | $354,000 | 4,982 |
| Additional noninterest expense | $552,000 | 6,665 |
| Pre-tax net operating income | $1,540,000 | 4,246 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $445,000 | 4,536 |
| Income before extraordinary items | $1,095,000 | 4,168 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,095,000 | 4,169 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,352 |
| Cash dividends | $1,062,000 | 2,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,095,000 | 4,111 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $7,064,000 | 4,517 |
| Total interest expense | $3,450,000 | 4,213 |
| Net interest income | $3,614,000 | 4,715 |
| Provision for loan and lease losses | $206,000 | 2,940 |
| Total noninterest income | $376,000 | 6,211 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $268,000 | 4,701 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $108,000 | 6,996 |
| Total noninterest expense | $2,273,000 | 5,412 |
| Salaries and employee benefits | $1,272,000 | 4,953 |
| Premises and equipment expense | $341,000 | 5,122 |
| Additional noninterest expense | $660,000 | 6,125 |
| Pre-tax net operating income | $1,511,000 | 4,429 |
| Securities gains (losses) | $15,000 | 2,090 |
| Applicable income taxes | $436,000 | 4,637 |
| Income before extraordinary items | $1,090,000 | 4,285 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,090,000 | 4,282 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-104,000 | 11,733 |
| Cash dividends | $850,000 | 2,314 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,079,350 | 4,306 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $5,912,000 | 4,926 |
| Total interest expense | $2,621,000 | 4,453 |
| Net interest income | $3,291,000 | 5,210 |
| Provision for loan and lease losses | $187,000 | 3,148 |
| Total noninterest income | $344,000 | 6,740 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $262,000 | 4,862 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $82,000 | 8,157 |
| Total noninterest expense | $2,214,000 | 5,704 |
| Salaries and employee benefits | $1,223,000 | 5,165 |
| Premises and equipment expense | $316,000 | 5,491 |
| Additional noninterest expense | $675,000 | 6,507 |
| Pre-tax net operating income | $1,234,000 | 5,133 |
| Securities gains (losses) | $7,000 | 2,440 |
| Applicable income taxes | $329,000 | 5,526 |
| Income before extraordinary items | $912,000 | 4,856 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $912,000 | 4,861 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $449,000 | 1,470 |
| Cash dividends | $700,000 | 2,518 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $906,890 | 4,943 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,869,000 | 5,910 |
| Total interest expense | $2,347,000 | 5,077 |
| Net interest income | $2,522,000 | 6,503 |
| Provision for loan and lease losses | $78,000 | 6,380 |
| Total noninterest income | $263,000 | 8,165 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 6,139 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $72,000 | 8,988 |
| Total noninterest expense | $1,930,000 | 6,522 |
| Salaries and employee benefits | $1,002,000 | 6,126 |
| Premises and equipment expense | $277,000 | 6,224 |
| Additional noninterest expense | $651,000 | 6,932 |
| Pre-tax net operating income | $777,000 | 6,939 |
| Securities gains (losses) | $97,000 | 2,547 |
| Applicable income taxes | $217,000 | 7,313 |
| Income before extraordinary items | $657,000 | 6,380 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $657,000 | 6,543 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 5,272 |
| Cash dividends | $2,212,000 | 927 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $584,250 | 6,655 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,774,000 | 6,596 |
| Total interest expense | $2,641,000 | 5,735 |
| Net interest income | $2,133,000 | 7,413 |
| Provision for loan and lease losses | $53,000 | 8,929 |
| Total noninterest income | $223,000 | 8,974 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,925 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $66,000 | 9,490 |
| Total noninterest expense | $1,433,000 | 8,166 |
| Salaries and employee benefits | $722,000 | 7,820 |
| Premises and equipment expense | $222,000 | 7,346 |
| Additional noninterest expense | $489,000 | 8,556 |
| Pre-tax net operating income | $870,000 | 6,252 |
| Securities gains (losses) | $31,000 | 4,927 |
| Applicable income taxes | $239,000 | 6,848 |
| Income before extraordinary items | $662,000 | 6,158 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $662,000 | 6,224 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 12,482 |
| Cash dividends | $224,000 | 4,776 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $639,370 | 5,956 |
* 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.