Home > First National Bank of Central Florida > Income and Expense
First National Bank of Central Florida, Income and Expense
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,761,000 | 2,589 |
| Total interest expense | $1,196,000 | 1,424 |
| Net interest income | $1,565,000 | 3,356 |
| Provision for loan and lease losses | $3,100,000 | 356 |
| Total noninterest income | $-907,000 | 7,542 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $130,000 | 2,458 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $-1,037,000 | 7,548 |
| Total noninterest expense | $3,428,000 | 1,445 |
| Salaries and employee benefits | $1,243,000 | 1,970 |
| Premises and equipment expense | $418,000 | 1,536 |
| Additional noninterest expense | $1,767,000 | 1,003 |
| Pre-tax net operating income | $-5,870,000 | 7,511 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $34,000 | 3,099 |
| Income before extraordinary items | $-5,904,000 | 7,507 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-5,904,000 | 7,507 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-5,904,000 | 7,507 |
| Net charge-offs | $2,241,000 | 502 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-5,904,000 | 7,508 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $15,131,000 | 1,998 |
| Total interest expense | $6,400,000 | 1,297 |
| Net interest income | $8,731,000 | 2,520 |
| Provision for loan and lease losses | $17,966,000 | 413 |
| Total noninterest income | $-3,300,000 | 7,622 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $556,000 | 2,445 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-3,856,000 | 7,620 |
| Total noninterest expense | $12,599,000 | 1,577 |
| Salaries and employee benefits | $5,246,000 | 1,855 |
| Premises and equipment expense | $2,005,000 | 1,292 |
| Additional noninterest expense | $5,348,000 | 1,355 |
| Pre-tax net operating income | $-25,134,000 | 7,550 |
| Securities gains (losses) | $984,000 | 499 |
| Applicable income taxes | $6,851,000 | 283 |
| Income before extraordinary items | $-31,001,000 | 7,567 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-31,001,000 | 7,567 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-31,001,000 | 7,567 |
| Net charge-offs | $17,267,000 | 375 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $3,226,000 | 199 |
| Net operating income | $-31,985,000 | 7,566 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,036,000 | 1,923 |
| Total interest expense | $5,063,000 | 1,267 |
| Net interest income | $6,973,000 | 2,391 |
| Provision for loan and lease losses | $11,466,000 | 450 |
| Total noninterest income | $-4,352,000 | 7,749 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $424,000 | 2,470 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-4,776,000 | 7,748 |
| Total noninterest expense | $9,526,000 | 1,552 |
| Salaries and employee benefits | $4,048,000 | 1,815 |
| Premises and equipment expense | $1,566,000 | 1,258 |
| Additional noninterest expense | $3,912,000 | 1,358 |
| Pre-tax net operating income | $-18,371,000 | 7,646 |
| Securities gains (losses) | $952,000 | 432 |
| Applicable income taxes | $-6,643,000 | 7,713 |
| Income before extraordinary items | $-10,776,000 | 7,591 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-10,776,000 | 7,591 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-10,776,000 | 7,591 |
| Net charge-offs | $7,779,000 | 570 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $3,226,000 | 152 |
| Net operating income | $-11,385,280 | 7,599 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,476,000 | 1,848 |
| Total interest expense | $3,555,000 | 1,250 |
| Net interest income | $4,921,000 | 2,259 |
| Provision for loan and lease losses | $6,414,000 | 516 |
| Total noninterest income | $-2,512,000 | 7,810 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $286,000 | 2,454 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-2,798,000 | 7,813 |
| Total noninterest expense | $6,322,000 | 1,565 |
| Salaries and employee benefits | $2,726,000 | 1,810 |
| Premises and equipment expense | $1,008,000 | 1,316 |
| Additional noninterest expense | $2,588,000 | 1,379 |
| Pre-tax net operating income | $-10,327,000 | 7,689 |
| Securities gains (losses) | $301,000 | 709 |
| Applicable income taxes | $-3,833,000 | 7,756 |
| Income before extraordinary items | $-6,193,000 | 7,627 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $-6,193,000 | 7,627 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $-6,193,000 | 7,627 |
| Net charge-offs | $6,243,000 | 484 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $3,226,000 | 109 |
| Net operating income | $-6,385,640 | 7,630 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,154,000 | 1,929 |
| Total interest expense | $1,886,000 | 1,235 |
| Net interest income | $2,268,000 | 2,478 |
| Provision for loan and lease losses | $1,838,000 | 794 |
| Total noninterest income | $251,000 | 3,207 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $143,000 | 2,431 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $108,000 | 3,363 |
| Total noninterest expense | $3,039,000 | 1,648 |
| Salaries and employee benefits | $1,381,000 | 1,811 |
| Premises and equipment expense | $515,000 | 1,325 |
| Additional noninterest expense | $1,143,000 | 1,544 |
| Pre-tax net operating income | $-2,358,000 | 7,643 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $-1,026,000 | 7,794 |
| Income before extraordinary items | $-1,332,000 | 7,540 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,332,000 | 7,540 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-1,332,000 | 7,541 |
| Net charge-offs | $1,073,000 | 994 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-1,332,000 | 7,537 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $22,158,000 | 1,549 |
| Total interest expense | $11,564,000 | 1,023 |
| Net interest income | $10,594,000 | 2,071 |
| Provision for loan and lease losses | $10,033,000 | 872 |
| Total noninterest income | $1,876,000 | 2,214 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $717,000 | 2,205 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $1,159,000 | 1,960 |
| Total noninterest expense | $13,684,000 | 1,505 |
| Salaries and employee benefits | $5,539,000 | 1,790 |
| Premises and equipment expense | $2,191,000 | 1,243 |
| Additional noninterest expense | $5,954,000 | 1,273 |
| Pre-tax net operating income | $-11,247,000 | 7,531 |
| Securities gains (losses) | $902,000 | 541 |
| Applicable income taxes | $-4,031,000 | 7,701 |
| Income before extraordinary items | $-6,314,000 | 7,381 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-6,314,000 | 7,380 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-6,314,000 | 7,380 |
| Net charge-offs | $5,422,000 | 1,076 |
| Cash dividends | $210,000 | 3,590 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-6,891,280 | 7,432 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $17,220,000 | 1,523 |
| Total interest expense | $9,392,000 | 996 |
| Net interest income | $7,828,000 | 2,096 |
| Provision for loan and lease losses | $2,020,000 | 1,886 |
| Total noninterest income | $1,394,000 | 2,286 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $540,000 | 2,216 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $854,000 | 2,040 |
| Total noninterest expense | $8,398,000 | 1,811 |
| Salaries and employee benefits | $4,077,000 | 1,836 |
| Premises and equipment expense | $1,646,000 | 1,251 |
| Additional noninterest expense | $2,675,000 | 1,978 |
| Pre-tax net operating income | $-1,196,000 | 6,741 |
| Securities gains (losses) | $902,000 | 421 |
| Applicable income taxes | $-223,000 | 7,124 |
| Income before extraordinary items | $-71,000 | 5,920 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-71,000 | 5,920 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-71,000 | 5,920 |
| Net charge-offs | $3,651,000 | 1,043 |
| Cash dividends | $210,000 | 3,022 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $-648,280 | 6,526 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $12,180,000 | 1,471 |
| Total interest expense | $6,635,000 | 999 |
| Net interest income | $5,545,000 | 1,976 |
| Provision for loan and lease losses | $1,103,000 | 1,952 |
| Total noninterest income | $940,000 | 2,277 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $365,000 | 2,174 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $575,000 | 2,041 |
| Total noninterest expense | $5,591,000 | 1,839 |
| Salaries and employee benefits | $2,630,000 | 1,928 |
| Premises and equipment expense | $1,111,000 | 1,262 |
| Additional noninterest expense | $1,850,000 | 1,929 |
| Pre-tax net operating income | $-209,000 | 6,294 |
| Securities gains (losses) | $857,000 | 333 |
| Applicable income taxes | $169,000 | 2,141 |
| Income before extraordinary items | $479,000 | 3,173 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $479,000 | 3,171 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $479,000 | 3,172 |
| Net charge-offs | $2,851,000 | 892 |
| Cash dividends | $210,000 | 2,606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-155,180 | 6,267 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $6,242,000 | 1,441 |
| Total interest expense | $3,406,000 | 1,006 |
| Net interest income | $2,836,000 | 1,926 |
| Provision for loan and lease losses | $302,000 | 2,278 |
| Total noninterest income | $429,000 | 2,379 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $188,000 | 2,067 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $241,000 | 2,247 |
| Total noninterest expense | $2,627,000 | 1,892 |
| Salaries and employee benefits | $1,287,000 | 1,997 |
| Premises and equipment expense | $566,000 | 1,259 |
| Additional noninterest expense | $774,000 | 2,047 |
| Pre-tax net operating income | $336,000 | 3,153 |
| Securities gains (losses) | $568,000 | 289 |
| Applicable income taxes | $302,000 | 1,045 |
| Income before extraordinary items | $602,000 | 1,790 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $602,000 | 1,791 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $602,000 | 1,792 |
| Net charge-offs | $63,000 | 3,324 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $221,440 | 3,550 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $27,481,000 | 1,408 |
| Total interest expense | $13,291,000 | 1,221 |
| Net interest income | $14,190,000 | 1,579 |
| Provision for loan and lease losses | $6,581,000 | 823 |
| Total noninterest income | $520,000 | 4,754 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,016,000 | 1,737 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $-496,000 | 8,222 |
| Total noninterest expense | $12,621,000 | 1,553 |
| Salaries and employee benefits | $6,918,000 | 1,494 |
| Premises and equipment expense | $2,487,000 | 1,118 |
| Additional noninterest expense | $3,216,000 | 1,900 |
| Pre-tax net operating income | $-4,492,000 | 7,760 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $-1,832,000 | 7,892 |
| Income before extraordinary items | $-2,660,000 | 7,542 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-2,660,000 | 7,540 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,302,000 | 777 |
| Cash dividends | $583,000 | 3,172 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,660,000 | 7,619 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $20,996,000 | 1,419 |
| Total interest expense | $9,999,000 | 1,266 |
| Net interest income | $10,997,000 | 1,541 |
| Provision for loan and lease losses | $2,878,000 | 928 |
| Total noninterest income | $1,468,000 | 2,239 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $763,000 | 1,754 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $705,000 | 2,310 |
| Total noninterest expense | $8,950,000 | 1,629 |
| Salaries and employee benefits | $4,895,000 | 1,602 |
| Premises and equipment expense | $1,842,000 | 1,130 |
| Additional noninterest expense | $2,213,000 | 1,966 |
| Pre-tax net operating income | $637,000 | 4,536 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $128,000 | 3,373 |
| Income before extraordinary items | $509,000 | 4,419 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $509,000 | 4,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $833,000 | 1,456 |
| Cash dividends | $399,000 | 3,061 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $509,000 | 4,555 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $14,074,000 | 1,432 |
| Total interest expense | $6,878,000 | 1,276 |
| Net interest income | $7,196,000 | 1,557 |
| Provision for loan and lease losses | $1,126,000 | 1,141 |
| Total noninterest income | $1,063,000 | 2,138 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $514,000 | 1,720 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $549,000 | 2,104 |
| Total noninterest expense | $5,951,000 | 1,630 |
| Salaries and employee benefits | $3,429,000 | 1,540 |
| Premises and equipment expense | $1,185,000 | 1,166 |
| Additional noninterest expense | $1,337,000 | 2,110 |
| Pre-tax net operating income | $1,182,000 | 2,613 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $370,000 | 1,957 |
| Income before extraordinary items | $812,000 | 3,012 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $812,000 | 3,013 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $667,000 | 1,100 |
| Cash dividends | $199,000 | 3,482 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $812,000 | 2,969 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $7,144,000 | 1,442 |
| Total interest expense | $3,634,000 | 1,288 |
| Net interest income | $3,510,000 | 1,584 |
| Provision for loan and lease losses | $315,000 | 1,328 |
| Total noninterest income | $506,000 | 2,224 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $254,000 | 1,712 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $252,000 | 2,215 |
| Total noninterest expense | $2,902,000 | 1,673 |
| Salaries and employee benefits | $1,691,000 | 1,572 |
| Premises and equipment expense | $578,000 | 1,193 |
| Additional noninterest expense | $633,000 | 2,211 |
| Pre-tax net operating income | $799,000 | 2,160 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $266,000 | 1,608 |
| Income before extraordinary items | $533,000 | 2,550 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $533,000 | 2,552 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,845 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $533,000 | 2,477 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $29,601,000 | 1,453 |
| Total interest expense | $14,762,000 | 1,358 |
| Net interest income | $14,839,000 | 1,532 |
| Provision for loan and lease losses | $640,000 | 1,968 |
| Total noninterest income | $2,021,000 | 2,195 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,060,000 | 1,686 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $961,000 | 2,273 |
| Total noninterest expense | $11,817,000 | 1,558 |
| Salaries and employee benefits | $6,513,000 | 1,558 |
| Premises and equipment expense | $2,243,000 | 1,169 |
| Additional noninterest expense | $3,061,000 | 1,801 |
| Pre-tax net operating income | $4,403,000 | 1,833 |
| Securities gains (losses) | $-16,000 | 7,690 |
| Applicable income taxes | $1,588,000 | 1,358 |
| Income before extraordinary items | $2,799,000 | 2,154 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $2,799,000 | 2,153 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $308,000 | 2,254 |
| Cash dividends | $540,000 | 3,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $2,809,240 | 2,129 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $22,051,000 | 1,466 |
| Total interest expense | $10,912,000 | 1,380 |
| Net interest income | $11,139,000 | 1,543 |
| Provision for loan and lease losses | $382,000 | 1,929 |
| Total noninterest income | $1,553,000 | 2,164 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $805,000 | 1,640 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $748,000 | 2,211 |
| Total noninterest expense | $8,482,000 | 1,610 |
| Salaries and employee benefits | $4,958,000 | 1,523 |
| Premises and equipment expense | $1,660,000 | 1,187 |
| Additional noninterest expense | $1,864,000 | 2,139 |
| Pre-tax net operating income | $3,828,000 | 1,734 |
| Securities gains (losses) | $-16,000 | 7,900 |
| Applicable income taxes | $1,388,000 | 1,298 |
| Income before extraordinary items | $2,424,000 | 2,054 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,424,000 | 2,052 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 4,582 |
| Cash dividends | $540,000 | 2,828 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,434,240 | 2,033 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $14,445,000 | 1,508 |
| Total interest expense | $7,060,000 | 1,419 |
| Net interest income | $7,385,000 | 1,573 |
| Provision for loan and lease losses | $256,000 | 1,757 |
| Total noninterest income | $1,117,000 | 2,069 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $546,000 | 1,613 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $571,000 | 2,059 |
| Total noninterest expense | $5,642,000 | 1,635 |
| Salaries and employee benefits | $3,333,000 | 1,539 |
| Premises and equipment expense | $1,086,000 | 1,236 |
| Additional noninterest expense | $1,223,000 | 2,177 |
| Pre-tax net operating income | $2,604,000 | 1,766 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $949,000 | 1,324 |
| Income before extraordinary items | $1,655,000 | 2,058 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,655,000 | 2,057 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-22,000 | 8,040 |
| Cash dividends | $358,000 | 2,905 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,655,000 | 2,040 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $7,056,000 | 1,536 |
| Total interest expense | $3,367,000 | 1,471 |
| Net interest income | $3,689,000 | 1,569 |
| Provision for loan and lease losses | $129,000 | 1,674 |
| Total noninterest income | $537,000 | 2,110 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $267,000 | 1,610 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $270,000 | 2,111 |
| Total noninterest expense | $2,818,000 | 1,636 |
| Salaries and employee benefits | $1,674,000 | 1,554 |
| Premises and equipment expense | $543,000 | 1,238 |
| Additional noninterest expense | $601,000 | 2,196 |
| Pre-tax net operating income | $1,279,000 | 1,781 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $466,000 | 1,352 |
| Income before extraordinary items | $813,000 | 2,038 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $813,000 | 2,038 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $180,000 | 2,562 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $813,000 | 2,028 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $25,968,000 | 1,537 |
| Total interest expense | $11,251,000 | 1,495 |
| Net interest income | $14,717,000 | 1,559 |
| Provision for loan and lease losses | $726,000 | 1,365 |
| Total noninterest income | $2,568,000 | 1,844 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,106,000 | 1,601 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,462,000 | 1,706 |
| Total noninterest expense | $11,002,000 | 1,610 |
| Salaries and employee benefits | $6,536,000 | 1,516 |
| Premises and equipment expense | $1,936,000 | 1,337 |
| Additional noninterest expense | $2,530,000 | 2,084 |
| Pre-tax net operating income | $5,557,000 | 1,727 |
| Securities gains (losses) | $-6,000 | 7,127 |
| Applicable income taxes | $2,028,000 | 1,315 |
| Income before extraordinary items | $3,523,000 | 2,009 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,523,000 | 2,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-21,000 | 8,145 |
| Cash dividends | $438,000 | 3,936 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,526,840 | 1,995 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $18,734,000 | 1,589 |
| Total interest expense | $7,754,000 | 1,588 |
| Net interest income | $10,980,000 | 1,581 |
| Provision for loan and lease losses | $621,000 | 1,177 |
| Total noninterest income | $1,936,000 | 1,847 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $814,000 | 1,633 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,122,000 | 1,666 |
| Total noninterest expense | $8,337,000 | 1,605 |
| Salaries and employee benefits | $4,924,000 | 1,515 |
| Premises and equipment expense | $1,406,000 | 1,383 |
| Additional noninterest expense | $2,007,000 | 1,943 |
| Pre-tax net operating income | $3,958,000 | 1,862 |
| Securities gains (losses) | $-6,000 | 7,439 |
| Applicable income taxes | $1,442,000 | 1,432 |
| Income before extraordinary items | $2,510,000 | 2,143 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,510,000 | 2,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-23,000 | 8,111 |
| Cash dividends | $255,000 | 3,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,513,840 | 2,129 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,799,000 | 1,649 |
| Total interest expense | $4,594,000 | 1,689 |
| Net interest income | $7,205,000 | 1,613 |
| Provision for loan and lease losses | $414,000 | 1,142 |
| Total noninterest income | $1,347,000 | 1,790 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $540,000 | 1,627 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $807,000 | 1,586 |
| Total noninterest expense | $5,591,000 | 1,607 |
| Salaries and employee benefits | $3,271,000 | 1,523 |
| Premises and equipment expense | $923,000 | 1,406 |
| Additional noninterest expense | $1,397,000 | 1,867 |
| Pre-tax net operating income | $2,547,000 | 1,919 |
| Securities gains (losses) | $-6,000 | 7,728 |
| Applicable income taxes | $927,000 | 1,484 |
| Income before extraordinary items | $1,614,000 | 2,205 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,614,000 | 2,209 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-19,000 | 8,062 |
| Cash dividends | $82,000 | 4,529 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,617,840 | 2,185 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,537,000 | 1,719 |
| Total interest expense | $2,059,000 | 1,775 |
| Net interest income | $3,478,000 | 1,654 |
| Provision for loan and lease losses | $207,000 | 1,108 |
| Total noninterest income | $622,000 | 1,871 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $258,000 | 1,640 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $364,000 | 1,679 |
| Total noninterest expense | $2,753,000 | 1,635 |
| Salaries and employee benefits | $1,623,000 | 1,537 |
| Premises and equipment expense | $444,000 | 1,472 |
| Additional noninterest expense | $686,000 | 1,906 |
| Pre-tax net operating income | $1,140,000 | 2,062 |
| Securities gains (losses) | $-1,000 | 7,892 |
| Applicable income taxes | $414,000 | 1,611 |
| Income before extraordinary items | $725,000 | 2,382 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $725,000 | 2,383 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-14,000 | 8,005 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $725,640 | 2,359 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,093,000 | 1,861 |
| Total interest expense | $5,931,000 | 1,901 |
| Net interest income | $12,162,000 | 1,799 |
| Provision for loan and lease losses | $683,000 | 1,468 |
| Total noninterest income | $2,623,000 | 1,797 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $1,066,000 | 1,634 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,557,000 | 1,617 |
| Total noninterest expense | $9,624,000 | 1,765 |
| Salaries and employee benefits | $5,809,000 | 1,608 |
| Premises and equipment expense | $1,548,000 | 1,574 |
| Additional noninterest expense | $2,267,000 | 2,209 |
| Pre-tax net operating income | $4,478,000 | 2,034 |
| Securities gains (losses) | $-135,000 | 8,507 |
| Applicable income taxes | $1,575,000 | 1,651 |
| Income before extraordinary items | $2,768,000 | 2,398 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,768,000 | 2,399 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 4,497 |
| Cash dividends | $0 | 6,054 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,854,400 | 2,317 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $12,770,000 | 1,919 |
| Total interest expense | $4,096,000 | 1,946 |
| Net interest income | $8,674,000 | 1,892 |
| Provision for loan and lease losses | $384,000 | 1,780 |
| Total noninterest income | $1,968,000 | 1,798 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $802,000 | 1,614 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,166,000 | 1,619 |
| Total noninterest expense | $7,221,000 | 1,737 |
| Salaries and employee benefits | $4,297,000 | 1,617 |
| Premises and equipment expense | $1,200,000 | 1,518 |
| Additional noninterest expense | $1,724,000 | 2,154 |
| Pre-tax net operating income | $3,037,000 | 2,212 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $1,099,000 | 1,761 |
| Income before extraordinary items | $1,938,000 | 2,542 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,938,000 | 2,542 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 4,957 |
| Cash dividends | $0 | 5,317 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,938,000 | 2,516 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $7,959,000 | 1,990 |
| Total interest expense | $2,463,000 | 2,019 |
| Net interest income | $5,496,000 | 1,975 |
| Provision for loan and lease losses | $262,000 | 1,714 |
| Total noninterest income | $1,229,000 | 1,896 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $514,000 | 1,631 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $715,000 | 1,719 |
| Total noninterest expense | $4,693,000 | 1,779 |
| Salaries and employee benefits | $2,789,000 | 1,649 |
| Premises and equipment expense | $815,000 | 1,479 |
| Additional noninterest expense | $1,089,000 | 2,249 |
| Pre-tax net operating income | $1,770,000 | 2,400 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $636,000 | 1,913 |
| Income before extraordinary items | $1,134,000 | 2,791 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,134,000 | 2,791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,003 |
| Cash dividends | $0 | 5,072 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,134,000 | 2,748 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $3,722,000 | 2,079 |
| Total interest expense | $1,072,000 | 2,189 |
| Net interest income | $2,650,000 | 2,038 |
| Provision for loan and lease losses | $120,000 | 1,733 |
| Total noninterest income | $512,000 | 2,105 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $248,000 | 1,645 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $264,000 | 2,066 |
| Total noninterest expense | $2,286,000 | 1,824 |
| Salaries and employee benefits | $1,349,000 | 1,708 |
| Premises and equipment expense | $398,000 | 1,526 |
| Additional noninterest expense | $539,000 | 2,260 |
| Pre-tax net operating income | $756,000 | 2,684 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $270,000 | 2,140 |
| Income before extraordinary items | $486,000 | 3,113 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $486,000 | 3,114 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-12,000 | 8,076 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $486,000 | 3,077 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $12,309,000 | 2,337 |
| Total interest expense | $3,114,000 | 2,544 |
| Net interest income | $9,195,000 | 2,224 |
| Provision for loan and lease losses | $495,000 | 1,977 |
| Total noninterest income | $2,542,000 | 1,841 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $1,096,000 | 1,599 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,446,000 | 1,683 |
| Total noninterest expense | $9,208,000 | 1,755 |
| Salaries and employee benefits | $5,393,000 | 1,630 |
| Premises and equipment expense | $1,884,000 | 1,211 |
| Additional noninterest expense | $1,931,000 | 2,505 |
| Pre-tax net operating income | $2,034,000 | 3,457 |
| Securities gains (losses) | $57,000 | 1,637 |
| Applicable income taxes | $741,000 | 2,653 |
| Income before extraordinary items | $1,350,000 | 3,901 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,350,000 | 3,902 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,343 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,312,950 | 3,900 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $8,808,000 | 2,417 |
| Total interest expense | $2,208,000 | 2,625 |
| Net interest income | $6,600,000 | 2,286 |
| Provision for loan and lease losses | $380,000 | 1,853 |
| Total noninterest income | $1,932,000 | 1,835 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $858,000 | 1,546 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,074,000 | 1,688 |
| Total noninterest expense | $7,053,000 | 1,717 |
| Salaries and employee benefits | $3,985,000 | 1,660 |
| Premises and equipment expense | $1,462,000 | 1,182 |
| Additional noninterest expense | $1,606,000 | 2,252 |
| Pre-tax net operating income | $1,099,000 | 4,381 |
| Securities gains (losses) | $57,000 | 1,564 |
| Applicable income taxes | $403,000 | 3,292 |
| Income before extraordinary items | $753,000 | 4,777 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $753,000 | 4,777 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,478 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $715,950 | 4,810 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $5,650,000 | 2,478 |
| Total interest expense | $1,373,000 | 2,762 |
| Net interest income | $4,277,000 | 2,332 |
| Provision for loan and lease losses | $270,000 | 1,719 |
| Total noninterest income | $1,294,000 | 1,804 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $595,000 | 1,476 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $699,000 | 1,717 |
| Total noninterest expense | $4,764,000 | 1,690 |
| Salaries and employee benefits | $2,645,000 | 1,664 |
| Premises and equipment expense | $1,001,000 | 1,154 |
| Additional noninterest expense | $1,118,000 | 2,157 |
| Pre-tax net operating income | $537,000 | 5,132 |
| Securities gains (losses) | $57,000 | 1,379 |
| Applicable income taxes | $203,000 | 3,752 |
| Income before extraordinary items | $391,000 | 5,372 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $391,000 | 5,372 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,596 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $353,380 | 5,554 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $2,842,000 | 2,462 |
| Total interest expense | $688,000 | 2,784 |
| Net interest income | $2,154,000 | 2,315 |
| Provision for loan and lease losses | $160,000 | 1,360 |
| Total noninterest income | $606,000 | 1,864 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $302,000 | 1,414 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $304,000 | 1,867 |
| Total noninterest expense | $2,373,000 | 1,712 |
| Salaries and employee benefits | $1,289,000 | 1,727 |
| Premises and equipment expense | $527,000 | 1,120 |
| Additional noninterest expense | $557,000 | 2,128 |
| Pre-tax net operating income | $227,000 | 5,532 |
| Securities gains (losses) | $57,000 | 1,119 |
| Applicable income taxes | $96,000 | 3,852 |
| Income before extraordinary items | $188,000 | 5,491 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $188,000 | 5,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 3,502 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $150,380 | 5,892 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $11,079,000 | 2,566 |
| Total interest expense | $3,168,000 | 2,728 |
| Net interest income | $7,911,000 | 2,453 |
| Provision for loan and lease losses | $330,000 | 2,962 |
| Total noninterest income | $3,173,000 | 1,607 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $1,155,000 | 1,488 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $2,018,000 | 1,461 |
| Total noninterest expense | $9,913,000 | 1,627 |
| Salaries and employee benefits | $5,765,000 | 1,486 |
| Premises and equipment expense | $2,047,000 | 1,117 |
| Additional noninterest expense | $2,101,000 | 2,302 |
| Pre-tax net operating income | $841,000 | 5,569 |
| Securities gains (losses) | $26,000 | 3,046 |
| Applicable income taxes | $283,000 | 4,369 |
| Income before extraordinary items | $584,000 | 6,005 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $584,000 | 6,009 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 5,121 |
| Cash dividends | $0 | 6,283 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $566,580 | 5,917 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $8,253,000 | 2,618 |
| Total interest expense | $2,439,000 | 2,743 |
| Net interest income | $5,814,000 | 2,510 |
| Provision for loan and lease losses | $215,000 | 3,219 |
| Total noninterest income | $2,427,000 | 1,627 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $854,000 | 1,521 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,573,000 | 1,486 |
| Total noninterest expense | $7,540,000 | 1,607 |
| Salaries and employee benefits | $4,394,000 | 1,474 |
| Premises and equipment expense | $1,523,000 | 1,127 |
| Additional noninterest expense | $1,623,000 | 2,211 |
| Pre-tax net operating income | $486,000 | 6,344 |
| Securities gains (losses) | $26,000 | 2,803 |
| Applicable income taxes | $192,000 | 4,713 |
| Income before extraordinary items | $320,000 | 6,831 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $320,000 | 6,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,899 |
| Cash dividends | $0 | 5,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $303,360 | 6,764 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $5,578,000 | 2,618 |
| Total interest expense | $1,714,000 | 2,695 |
| Net interest income | $3,864,000 | 2,517 |
| Provision for loan and lease losses | $110,000 | 3,695 |
| Total noninterest income | $1,563,000 | 1,668 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $565,000 | 1,511 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $998,000 | 1,521 |
| Total noninterest expense | $4,998,000 | 1,606 |
| Salaries and employee benefits | $2,885,000 | 1,491 |
| Premises and equipment expense | $1,002,000 | 1,140 |
| Additional noninterest expense | $1,111,000 | 2,154 |
| Pre-tax net operating income | $319,000 | 6,370 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $120,000 | 4,860 |
| Income before extraordinary items | $199,000 | 6,975 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $199,000 | 6,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 3,423 |
| Cash dividends | $0 | 5,215 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $199,000 | 6,779 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $2,774,000 | 2,649 |
| Total interest expense | $829,000 | 2,839 |
| Net interest income | $1,945,000 | 2,495 |
| Provision for loan and lease losses | $55,000 | 3,535 |
| Total noninterest income | $762,000 | 1,650 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $276,000 | 1,508 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $486,000 | 1,511 |
| Total noninterest expense | $2,479,000 | 1,611 |
| Salaries and employee benefits | $1,414,000 | 1,512 |
| Premises and equipment expense | $502,000 | 1,152 |
| Additional noninterest expense | $563,000 | 2,089 |
| Pre-tax net operating income | $173,000 | 6,189 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $65,000 | 4,700 |
| Income before extraordinary items | $108,000 | 6,750 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $108,000 | 6,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 2,802 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $108,000 | 6,582 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $10,933,000 | 2,784 |
| Total interest expense | $3,490,000 | 3,106 |
| Net interest income | $7,443,000 | 2,572 |
| Provision for loan and lease losses | $375,000 | 2,962 |
| Total noninterest income | $2,742,000 | 1,660 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $1,046,000 | 1,545 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,696,000 | 1,492 |
| Total noninterest expense | $9,275,000 | 1,649 |
| Salaries and employee benefits | $5,235,000 | 1,548 |
| Premises and equipment expense | $2,150,000 | 1,022 |
| Additional noninterest expense | $1,890,000 | 2,442 |
| Pre-tax net operating income | $535,000 | 6,635 |
| Securities gains (losses) | $105,000 | 1,705 |
| Applicable income taxes | $240,000 | 4,829 |
| Income before extraordinary items | $400,000 | 6,848 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $400,000 | 6,847 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,689 |
| Cash dividends | $39,000 | 6,068 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $332,800 | 7,055 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $11,330,000 | 2,991 |
| Total interest expense | $4,790,000 | 3,270 |
| Net interest income | $6,540,000 | 2,728 |
| Provision for loan and lease losses | $122,000 | 5,165 |
| Total noninterest income | $2,345,000 | 1,780 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $1,185,000 | 1,261 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,160,000 | 1,840 |
| Total noninterest expense | $8,560,000 | 1,696 |
| Salaries and employee benefits | $4,676,000 | 1,603 |
| Premises and equipment expense | $2,008,000 | 1,052 |
| Additional noninterest expense | $1,876,000 | 2,380 |
| Pre-tax net operating income | $203,000 | 7,860 |
| Securities gains (losses) | $338,000 | 826 |
| Applicable income taxes | $203,000 | 5,004 |
| Income before extraordinary items | $338,000 | 6,903 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $338,000 | 6,904 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $234,000 | 2,610 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $121,680 | 8,099 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $11,084,000 | 3,119 |
| Total interest expense | $4,466,000 | 3,644 |
| Net interest income | $6,618,000 | 2,690 |
| Provision for loan and lease losses | $144,000 | 4,490 |
| Total noninterest income | $2,493,000 | 1,591 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $1,682,000 | 804 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $811,000 | 2,136 |
| Total noninterest expense | $8,127,000 | 1,705 |
| Salaries and employee benefits | $4,297,000 | 1,664 |
| Premises and equipment expense | $1,916,000 | 1,046 |
| Additional noninterest expense | $1,914,000 | 2,261 |
| Pre-tax net operating income | $840,000 | 5,739 |
| Securities gains (losses) | $-4,000 | 7,844 |
| Applicable income taxes | $315,000 | 4,493 |
| Income before extraordinary items | $521,000 | 6,207 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $521,000 | 6,205 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,718 |
| Cash dividends | $0 | 6,853 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $523,560 | 6,209 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $8,241,000 | 3,802 |
| Total interest expense | $2,827,000 | 4,816 |
| Net interest income | $5,414,000 | 3,206 |
| Provision for loan and lease losses | $220,000 | 3,352 |
| Total noninterest income | $5,390,000 | 889 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $3,469,000 | 399 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,921,000 | 1,190 |
| Total noninterest expense | $10,970,000 | 1,257 |
| Salaries and employee benefits | $4,770,000 | 1,447 |
| Premises and equipment expense | $2,344,000 | 854 |
| Additional noninterest expense | $3,856,000 | 1,198 |
| Pre-tax net operating income | $-386,000 | 9,769 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $-145,000 | 9,973 |
| Income before extraordinary items | $-241,000 | 9,714 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $-241,000 | 9,711 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,284 |
| Cash dividends | $0 | 7,131 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $-241,000 | 9,693 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $9,395,000 | 3,418 |
| Total interest expense | $3,820,000 | 3,828 |
| Net interest income | $5,575,000 | 3,083 |
| Provision for loan and lease losses | $490,000 | 1,746 |
| Total noninterest income | $5,513,000 | 871 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $4,728,000 | 284 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $785,000 | 2,204 |
| Total noninterest expense | $10,525,000 | 1,261 |
| Salaries and employee benefits | $4,407,000 | 1,486 |
| Premises and equipment expense | $2,222,000 | 878 |
| Additional noninterest expense | $3,896,000 | 1,149 |
| Pre-tax net operating income | $73,000 | 9,532 |
| Securities gains (losses) | $13,000 | 2,771 |
| Applicable income taxes | $-1,094,000 | 10,426 |
| Income before extraordinary items | $1,180,000 | 3,982 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,180,000 | 3,981 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,092,000 | 708 |
| Cash dividends | $0 | 7,473 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,167,000 | 3,929 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $10,749,000 | 3,022 |
| Total interest expense | $4,828,000 | 3,084 |
| Net interest income | $5,921,000 | 2,942 |
| Provision for loan and lease losses | $1,661,000 | 683 |
| Total noninterest income | $5,611,000 | 857 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $5,026,000 | 280 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $585,000 | 2,529 |
| Total noninterest expense | $11,213,000 | 1,181 |
| Salaries and employee benefits | $4,108,000 | 1,588 |
| Premises and equipment expense | $2,337,000 | 861 |
| Additional noninterest expense | $4,768,000 | 1,007 |
| Pre-tax net operating income | $-1,342,000 | 10,872 |
| Securities gains (losses) | $35,000 | 1,545 |
| Applicable income taxes | $-50,000 | 10,625 |
| Income before extraordinary items | $-1,257,000 | 10,866 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $-1,257,000 | 10,866 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $880,000 | 870 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $-1,290,600 | 10,857 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $9,787,000 | 3,349 |
| Total interest expense | $4,932,000 | 3,042 |
| Net interest income | $4,855,000 | 3,625 |
| Provision for loan and lease losses | $1,701,000 | 704 |
| Total noninterest income | $4,602,000 | 1,003 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $4,110,000 | 367 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $492,000 | 2,957 |
| Total noninterest expense | $9,869,000 | 1,449 |
| Salaries and employee benefits | $3,862,000 | 1,713 |
| Premises and equipment expense | $2,177,000 | 976 |
| Additional noninterest expense | $3,830,000 | 1,394 |
| Pre-tax net operating income | $-2,113,000 | 11,404 |
| Securities gains (losses) | $102,000 | 952 |
| Applicable income taxes | $0 | 10,572 |
| Income before extraordinary items | $-2,011,000 | 11,403 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $-2,011,000 | 11,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,423,000 | 715 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $-2,113,000 | 11,393 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $8,425,000 | 3,838 |
| Total interest expense | $4,172,000 | 3,557 |
| Net interest income | $4,253,000 | 4,104 |
| Provision for loan and lease losses | $265,000 | 2,457 |
| Total noninterest income | $3,470,000 | 1,230 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $2,817,000 | 520 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $653,000 | 2,405 |
| Total noninterest expense | $7,735,000 | 1,812 |
| Salaries and employee benefits | $3,206,000 | 2,072 |
| Premises and equipment expense | $1,537,000 | 1,337 |
| Additional noninterest expense | $2,992,000 | 1,705 |
| Pre-tax net operating income | $-277,000 | 11,718 |
| Securities gains (losses) | $381,000 | 424 |
| Applicable income taxes | $0 | 11,151 |
| Income before extraordinary items | $104,000 | 10,895 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $104,000 | 10,896 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $88,000 | 4,028 |
| Cash dividends | $0 | 8,717 |
| Sale, conversion, retirement of capital stock, net | $957,000 | 305 |
| Net operating income | $-277,000 | 11,715 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $6,145,000 | 4,760 |
| Total interest expense | $2,625,000 | 4,446 |
| Net interest income | $3,520,000 | 4,921 |
| Provision for loan and lease losses | $143,000 | 3,723 |
| Total noninterest income | $1,822,000 | 1,953 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $1,297,000 | 1,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $525,000 | 2,869 |
| Total noninterest expense | $4,798,000 | 2,872 |
| Salaries and employee benefits | $2,074,000 | 3,172 |
| Premises and equipment expense | $848,000 | 2,396 |
| Additional noninterest expense | $1,876,000 | 2,725 |
| Pre-tax net operating income | $401,000 | 9,356 |
| Securities gains (losses) | $29,000 | 1,487 |
| Applicable income taxes | $-100,000 | 12,298 |
| Income before extraordinary items | $530,000 | 7,074 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $530,000 | 7,085 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $215,000 | 2,367 |
| Cash dividends | $0 | 8,932 |
| Sale, conversion, retirement of capital stock, net | $1,363,000 | 370 |
| Net operating income | $501,000 | 7,334 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,088,000 | 6,771 |
| Total interest expense | $1,731,000 | 6,534 |
| Net interest income | $2,357,000 | 6,812 |
| Provision for loan and lease losses | $160,000 | 4,468 |
| Total noninterest income | $733,000 | 4,296 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $627,000 | 2,184 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 7,681 |
| Total noninterest expense | $3,072,000 | 4,414 |
| Salaries and employee benefits | $1,437,000 | 4,442 |
| Premises and equipment expense | $564,000 | 3,514 |
| Additional noninterest expense | $1,071,000 | 4,652 |
| Pre-tax net operating income | $-142,000 | 12,638 |
| Securities gains (losses) | $113,000 | 2,322 |
| Applicable income taxes | $0 | 12,141 |
| Income before extraordinary items | $-29,000 | 12,588 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $-29,000 | 12,615 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $112,000 | 4,303 |
| Cash dividends | $0 | 9,081 |
| Sale, conversion, retirement of capital stock, net | $90,000 | 907 |
| Net operating income | $-142,000 | 12,612 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,700,000 | 9,532 |
| Total interest expense | $1,274,000 | 9,343 |
| Net interest income | $1,426,000 | 9,525 |
| Provision for loan and lease losses | $58,000 | 8,742 |
| Total noninterest income | $289,000 | 7,873 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $248,000 | 5,171 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 10,988 |
| Total noninterest expense | $1,664,000 | 7,357 |
| Salaries and employee benefits | $817,000 | 7,153 |
| Premises and equipment expense | $250,000 | 6,773 |
| Additional noninterest expense | $597,000 | 7,542 |
| Pre-tax net operating income | $-7,000 | 12,757 |
| Securities gains (losses) | $130,000 | 2,597 |
| Applicable income taxes | $32,000 | 11,754 |
| Income before extraordinary items | $91,000 | 12,057 |
| Extraordinary gains, net | $32,000 | 1,112 |
| Net income | $123,000 | 11,722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $372,000 | 2,949 |
| Cash dividends | $0 | 8,912 |
| Sale, conversion, retirement of capital stock, net | $633,000 | 506 |
| Net operating income | $-5,200 | 12,696 |
* 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.