Home > First National Bank of Chester County > Income and Expense
First National Bank of Chester County, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $42,067,000 | 529 |
| Total interest expense | $10,908,000 | 567 |
| Net interest income | $31,159,000 | 510 |
| Provision for loan and lease losses | $982,000 | 2,536 |
| Total noninterest income | $41,271,000 | 175 |
| Gross Fiduciary activities income | $2,783,000 | 171 |
| Service charges on deposit accounts | $2,657,000 | 430 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $35,831,000 | 155 |
| Total noninterest expense | $69,307,000 | 231 |
| Salaries and employee benefits | $37,563,000 | 185 |
| Premises and equipment expense | $9,904,000 | 204 |
| Additional noninterest expense | $21,840,000 | 288 |
| Pre-tax net operating income | $2,141,000 | 1,802 |
| Securities gains (losses) | $1,000 | 3,533 |
| Applicable income taxes | $585,000 | 1,500 |
| Income before extraordinary items | $1,557,000 | 2,076 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $532,000 | 4,006 |
| Minority interest net income | $1,025,000 | 30 |
| Net income of bank and minority interests. | $1,557,000 | 2,078 |
| Net charge-offs | $2,098,000 | 1,466 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,556,270 | 1,984 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $28,187,000 | 533 |
| Total interest expense | $7,746,000 | 548 |
| Net interest income | $20,441,000 | 518 |
| Provision for loan and lease losses | $398,000 | 3,207 |
| Total noninterest income | $28,296,000 | 171 |
| Gross Fiduciary activities income | $1,893,000 | 169 |
| Service charges on deposit accounts | $1,775,000 | 429 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $24,628,000 | 149 |
| Total noninterest expense | $47,282,000 | 231 |
| Salaries and employee benefits | $25,285,000 | 181 |
| Premises and equipment expense | $6,785,000 | 199 |
| Additional noninterest expense | $15,212,000 | 281 |
| Pre-tax net operating income | $1,057,000 | 2,278 |
| Securities gains (losses) | $1,000 | 3,060 |
| Applicable income taxes | $2,000 | 4,454 |
| Income before extraordinary items | $1,056,000 | 2,008 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $203,000 | 4,882 |
| Minority interest net income | $853,000 | 26 |
| Net income of bank and minority interests. | $1,056,000 | 2,008 |
| Net charge-offs | $2,251,000 | 1,043 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $1,055,000 | 1,928 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $14,103,000 | 550 |
| Total interest expense | $4,263,000 | 525 |
| Net interest income | $9,840,000 | 555 |
| Provision for loan and lease losses | $266,000 | 2,593 |
| Total noninterest income | $12,540,000 | 197 |
| Gross Fiduciary activities income | $839,000 | 185 |
| Service charges on deposit accounts | $865,000 | 433 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $10,836,000 | 171 |
| Total noninterest expense | $22,999,000 | 234 |
| Salaries and employee benefits | $11,323,000 | 203 |
| Premises and equipment expense | $3,598,000 | 191 |
| Additional noninterest expense | $8,078,000 | 268 |
| Pre-tax net operating income | $-885,000 | 7,378 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $2,000 | 4,347 |
| Income before extraordinary items | $-887,000 | 7,438 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-1,085,000 | 7,489 |
| Minority interest net income | $198,000 | 34 |
| Net income of bank and minority interests. | $-887,000 | 7,439 |
| Net charge-offs | $1,089,000 | 977 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $-887,000 | 7,428 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $67,692,000 | 479 |
| Total interest expense | $21,044,000 | 540 |
| Net interest income | $46,648,000 | 458 |
| Provision for loan and lease losses | $33,919,000 | 333 |
| Total noninterest income | $62,241,000 | 168 |
| Gross Fiduciary activities income | $3,506,000 | 181 |
| Service charges on deposit accounts | $3,772,000 | 438 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $54,963,000 | 150 |
| Total noninterest expense | $99,956,000 | 239 |
| Salaries and employee benefits | $57,520,000 | 158 |
| Premises and equipment expense | $13,162,000 | 198 |
| Additional noninterest expense | $29,274,000 | 321 |
| Pre-tax net operating income | $-24,986,000 | 7,766 |
| Securities gains (losses) | $835,000 | 578 |
| Applicable income taxes | $-455,000 | 7,005 |
| Income before extraordinary items | $-23,696,000 | 7,770 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-25,553,000 | 7,783 |
| Minority interest net income | $1,857,000 | 22 |
| Net income of bank and minority interests. | $-23,696,000 | 7,769 |
| Net charge-offs | $20,813,000 | 400 |
| Cash dividends | $1,350,000 | 1,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-24,514,300 | 7,784 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $50,901,000 | 499 |
| Total interest expense | $16,379,000 | 550 |
| Net interest income | $34,522,000 | 473 |
| Provision for loan and lease losses | $17,693,000 | 424 |
| Total noninterest income | $48,527,000 | 164 |
| Gross Fiduciary activities income | $2,596,000 | 180 |
| Service charges on deposit accounts | $2,797,000 | 442 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $43,134,000 | 142 |
| Total noninterest expense | $66,182,000 | 263 |
| Salaries and employee benefits | $42,570,000 | 171 |
| Premises and equipment expense | $9,705,000 | 211 |
| Additional noninterest expense | $13,907,000 | 443 |
| Pre-tax net operating income | $-826,000 | 6,553 |
| Securities gains (losses) | $1,000 | 3,393 |
| Applicable income taxes | $-2,064,000 | 7,726 |
| Income before extraordinary items | $1,239,000 | 2,119 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-125,000 | 6,017 |
| Minority interest net income | $1,364,000 | 26 |
| Net income of bank and minority interests. | $1,239,000 | 2,119 |
| Net charge-offs | $4,210,000 | 942 |
| Cash dividends | $1,250,000 | 1,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,238,360 | 2,068 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $33,733,000 | 514 |
| Total interest expense | $11,413,000 | 560 |
| Net interest income | $22,320,000 | 492 |
| Provision for loan and lease losses | $6,471,000 | 621 |
| Total noninterest income | $33,409,000 | 164 |
| Gross Fiduciary activities income | $1,756,000 | 177 |
| Service charges on deposit accounts | $1,839,000 | 453 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $29,814,000 | 140 |
| Total noninterest expense | $43,168,000 | 274 |
| Salaries and employee benefits | $27,669,000 | 182 |
| Premises and equipment expense | $6,239,000 | 230 |
| Additional noninterest expense | $9,260,000 | 452 |
| Pre-tax net operating income | $6,090,000 | 368 |
| Securities gains (losses) | $1,000 | 3,011 |
| Applicable income taxes | $1,201,000 | 527 |
| Income before extraordinary items | $4,890,000 | 361 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $4,020,000 | 436 |
| Minority interest net income | $870,000 | 28 |
| Net income of bank and minority interests. | $4,890,000 | 360 |
| Net charge-offs | $1,116,000 | 1,558 |
| Cash dividends | $1,000,000 | 886 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $4,889,200 | 343 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $16,282,000 | 543 |
| Total interest expense | $5,968,000 | 553 |
| Net interest income | $10,314,000 | 521 |
| Provision for loan and lease losses | $1,387,000 | 976 |
| Total noninterest income | $15,444,000 | 165 |
| Gross Fiduciary activities income | $833,000 | 182 |
| Service charges on deposit accounts | $632,000 | 641 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,979,000 | 140 |
| Total noninterest expense | $19,013,000 | 293 |
| Salaries and employee benefits | $12,122,000 | 200 |
| Premises and equipment expense | $3,057,000 | 239 |
| Additional noninterest expense | $3,834,000 | 456 |
| Pre-tax net operating income | $5,358,000 | 230 |
| Securities gains (losses) | $-88,000 | 7,977 |
| Applicable income taxes | $1,526,000 | 256 |
| Income before extraordinary items | $3,744,000 | 274 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $3,576,000 | 280 |
| Minority interest net income | $168,000 | 40 |
| Net income of bank and minority interests. | $3,744,000 | 275 |
| Net charge-offs | $297,000 | 1,782 |
| Cash dividends | $1,000,000 | 426 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $3,806,480 | 246 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $55,152,000 | 677 |
| Total interest expense | $21,528,000 | 736 |
| Net interest income | $33,624,000 | 646 |
| Provision for loan and lease losses | $1,632,000 | 2,049 |
| Total noninterest income | $9,218,000 | 638 |
| Gross Fiduciary activities income | $3,393,000 | 194 |
| Service charges on deposit accounts | $3,658,000 | 470 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $2,167,000 | 1,231 |
| Total noninterest expense | $33,231,000 | 596 |
| Salaries and employee benefits | $18,209,000 | 525 |
| Premises and equipment expense | $6,846,000 | 405 |
| Additional noninterest expense | $8,176,000 | 809 |
| Pre-tax net operating income | $7,979,000 | 700 |
| Securities gains (losses) | $351,000 | 493 |
| Applicable income taxes | $1,747,000 | 756 |
| Income before extraordinary items | $6,583,000 | 599 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,583,000 | 599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $465,000 | 2,899 |
| Cash dividends | $3,000,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $6,305,710 | 681 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $41,631,000 | 696 |
| Total interest expense | $16,489,000 | 750 |
| Net interest income | $25,142,000 | 659 |
| Provision for loan and lease losses | $950,000 | 1,876 |
| Total noninterest income | $8,119,000 | 578 |
| Gross Fiduciary activities income | $2,636,000 | 195 |
| Service charges on deposit accounts | $2,683,000 | 490 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $2,800,000 | 863 |
| Total noninterest expense | $26,319,000 | 559 |
| Salaries and employee benefits | $13,713,000 | 541 |
| Premises and equipment expense | $5,139,000 | 412 |
| Additional noninterest expense | $7,467,000 | 647 |
| Pre-tax net operating income | $5,992,000 | 851 |
| Securities gains (losses) | $351,000 | 414 |
| Applicable income taxes | $1,329,000 | 930 |
| Income before extraordinary items | $5,014,000 | 724 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $5,014,000 | 722 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $190,000 | 3,116 |
| Cash dividends | $3,000,000 | 708 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $4,736,710 | 813 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $27,793,000 | 701 |
| Total interest expense | $11,372,000 | 754 |
| Net interest income | $16,421,000 | 673 |
| Provision for loan and lease losses | $660,000 | 1,591 |
| Total noninterest income | $5,445,000 | 603 |
| Gross Fiduciary activities income | $1,784,000 | 197 |
| Service charges on deposit accounts | $1,747,000 | 487 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,914,000 | 873 |
| Total noninterest expense | $16,314,000 | 596 |
| Salaries and employee benefits | $8,906,000 | 558 |
| Premises and equipment expense | $3,432,000 | 412 |
| Additional noninterest expense | $3,976,000 | 761 |
| Pre-tax net operating income | $4,892,000 | 716 |
| Securities gains (losses) | $262,000 | 502 |
| Applicable income taxes | $1,181,000 | 814 |
| Income before extraordinary items | $3,973,000 | 693 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,973,000 | 692 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $79,000 | 3,315 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,771,260 | 711 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $14,036,000 | 716 |
| Total interest expense | $5,940,000 | 775 |
| Net interest income | $8,096,000 | 688 |
| Provision for loan and lease losses | $211,000 | 1,764 |
| Total noninterest income | $2,596,000 | 623 |
| Gross Fiduciary activities income | $838,000 | 205 |
| Service charges on deposit accounts | $822,000 | 504 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $936,000 | 897 |
| Total noninterest expense | $8,379,000 | 578 |
| Salaries and employee benefits | $4,752,000 | 535 |
| Premises and equipment expense | $1,691,000 | 419 |
| Additional noninterest expense | $1,936,000 | 751 |
| Pre-tax net operating income | $2,102,000 | 893 |
| Securities gains (losses) | $262,000 | 367 |
| Applicable income taxes | $557,000 | 916 |
| Income before extraordinary items | $1,807,000 | 832 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,807,000 | 834 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 2,293 |
| Cash dividends | $1,000,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,607,880 | 894 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $56,280,000 | 733 |
| Total interest expense | $23,513,000 | 840 |
| Net interest income | $32,767,000 | 682 |
| Provision for loan and lease losses | $80,000 | 5,190 |
| Total noninterest income | $11,785,000 | 546 |
| Gross Fiduciary activities income | $3,620,000 | 193 |
| Service charges on deposit accounts | $3,377,000 | 516 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $4,788,000 | 706 |
| Total noninterest expense | $32,331,000 | 581 |
| Salaries and employee benefits | $18,900,000 | 518 |
| Premises and equipment expense | $6,206,000 | 428 |
| Additional noninterest expense | $7,225,000 | 802 |
| Pre-tax net operating income | $12,141,000 | 710 |
| Securities gains (losses) | $2,000 | 1,832 |
| Applicable income taxes | $2,931,000 | 830 |
| Income before extraordinary items | $9,212,000 | 705 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $9,212,000 | 703 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $442,000 | 1,839 |
| Cash dividends | $4,500,000 | 812 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $9,210,480 | 700 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $42,112,000 | 731 |
| Total interest expense | $17,427,000 | 851 |
| Net interest income | $24,685,000 | 680 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $9,079,000 | 540 |
| Gross Fiduciary activities income | $2,714,000 | 191 |
| Service charges on deposit accounts | $2,461,000 | 519 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $3,904,000 | 667 |
| Total noninterest expense | $24,347,000 | 570 |
| Salaries and employee benefits | $14,260,000 | 516 |
| Premises and equipment expense | $4,663,000 | 426 |
| Additional noninterest expense | $5,424,000 | 779 |
| Pre-tax net operating income | $9,417,000 | 739 |
| Securities gains (losses) | $2,000 | 1,394 |
| Applicable income taxes | $2,288,000 | 870 |
| Income before extraordinary items | $7,131,000 | 734 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $7,131,000 | 732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $213,000 | 1,886 |
| Cash dividends | $3,500,000 | 764 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $7,129,480 | 725 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $27,770,000 | 749 |
| Total interest expense | $11,358,000 | 875 |
| Net interest income | $16,412,000 | 697 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $5,188,000 | 626 |
| Gross Fiduciary activities income | $1,848,000 | 193 |
| Service charges on deposit accounts | $1,619,000 | 534 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,721,000 | 960 |
| Total noninterest expense | $16,353,000 | 577 |
| Salaries and employee benefits | $9,543,000 | 535 |
| Premises and equipment expense | $3,151,000 | 434 |
| Additional noninterest expense | $3,659,000 | 777 |
| Pre-tax net operating income | $5,247,000 | 919 |
| Securities gains (losses) | $2,000 | 1,203 |
| Applicable income taxes | $1,257,000 | 1,066 |
| Income before extraordinary items | $3,992,000 | 916 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $3,992,000 | 915 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $159,000 | 1,555 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $3,990,480 | 905 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $13,485,000 | 762 |
| Total interest expense | $5,488,000 | 893 |
| Net interest income | $7,997,000 | 703 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,354,000 | 657 |
| Gross Fiduciary activities income | $887,000 | 197 |
| Service charges on deposit accounts | $539,000 | 793 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $928,000 | 892 |
| Total noninterest expense | $8,037,000 | 587 |
| Salaries and employee benefits | $4,686,000 | 545 |
| Premises and equipment expense | $1,612,000 | 428 |
| Additional noninterest expense | $1,739,000 | 795 |
| Pre-tax net operating income | $2,314,000 | 1,015 |
| Securities gains (losses) | $2,000 | 969 |
| Applicable income taxes | $548,000 | 1,200 |
| Income before extraordinary items | $1,768,000 | 995 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,768,000 | 994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $84,000 | 1,303 |
| Cash dividends | $1,000,000 | 781 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $1,766,480 | 981 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $52,035,000 | 733 |
| Total interest expense | $18,732,000 | 890 |
| Net interest income | $33,303,000 | 665 |
| Provision for loan and lease losses | $3,000 | 6,791 |
| Total noninterest income | $9,312,000 | 648 |
| Gross Fiduciary activities income | $3,423,000 | 189 |
| Service charges on deposit accounts | $2,007,000 | 878 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,882,000 | 833 |
| Total noninterest expense | $30,953,000 | 587 |
| Salaries and employee benefits | $17,336,000 | 547 |
| Premises and equipment expense | $6,337,000 | 408 |
| Additional noninterest expense | $7,280,000 | 745 |
| Pre-tax net operating income | $11,659,000 | 851 |
| Securities gains (losses) | $-79,000 | 8,111 |
| Applicable income taxes | $2,999,000 | 943 |
| Income before extraordinary items | $8,581,000 | 875 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,581,000 | 875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-186,000 | 8,573 |
| Cash dividends | $4,550,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $8,639,460 | 855 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $38,674,000 | 747 |
| Total interest expense | $13,487,000 | 906 |
| Net interest income | $25,187,000 | 679 |
| Provision for loan and lease losses | $3,000 | 6,614 |
| Total noninterest income | $6,952,000 | 669 |
| Gross Fiduciary activities income | $2,545,000 | 198 |
| Service charges on deposit accounts | $2,226,000 | 577 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,181,000 | 1,031 |
| Total noninterest expense | $22,973,000 | 606 |
| Salaries and employee benefits | $12,810,000 | 569 |
| Premises and equipment expense | $4,795,000 | 417 |
| Additional noninterest expense | $5,368,000 | 758 |
| Pre-tax net operating income | $9,163,000 | 853 |
| Securities gains (losses) | $-80,000 | 8,334 |
| Applicable income taxes | $2,371,000 | 947 |
| Income before extraordinary items | $6,712,000 | 868 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $6,712,000 | 867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-175,000 | 8,616 |
| Cash dividends | $2,550,000 | 938 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $6,771,200 | 846 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $25,239,000 | 752 |
| Total interest expense | $8,409,000 | 919 |
| Net interest income | $16,830,000 | 683 |
| Provision for loan and lease losses | $3,000 | 6,297 |
| Total noninterest income | $4,622,000 | 664 |
| Gross Fiduciary activities income | $1,709,000 | 201 |
| Service charges on deposit accounts | $1,451,000 | 583 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,462,000 | 1,031 |
| Total noninterest expense | $15,315,000 | 613 |
| Salaries and employee benefits | $8,526,000 | 575 |
| Premises and equipment expense | $3,233,000 | 410 |
| Additional noninterest expense | $3,556,000 | 763 |
| Pre-tax net operating income | $6,134,000 | 842 |
| Securities gains (losses) | $-80,000 | 8,485 |
| Applicable income taxes | $1,549,000 | 963 |
| Income before extraordinary items | $4,505,000 | 867 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,505,000 | 867 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-222,000 | 8,684 |
| Cash dividends | $1,800,000 | 898 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,564,200 | 838 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $12,216,000 | 751 |
| Total interest expense | $3,836,000 | 951 |
| Net interest income | $8,380,000 | 681 |
| Provision for loan and lease losses | $3,000 | 5,795 |
| Total noninterest income | $2,197,000 | 681 |
| Gross Fiduciary activities income | $809,000 | 210 |
| Service charges on deposit accounts | $684,000 | 599 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $704,000 | 1,036 |
| Total noninterest expense | $7,649,000 | 606 |
| Salaries and employee benefits | $4,387,000 | 563 |
| Premises and equipment expense | $1,582,000 | 419 |
| Additional noninterest expense | $1,680,000 | 795 |
| Pre-tax net operating income | $2,925,000 | 868 |
| Securities gains (losses) | $-80,000 | 8,633 |
| Applicable income taxes | $717,000 | 1,030 |
| Income before extraordinary items | $2,128,000 | 893 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,128,000 | 892 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,282 |
| Cash dividends | $814,000 | 887 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,188,000 | 854 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $44,446,000 | 723 |
| Total interest expense | $12,564,000 | 894 |
| Net interest income | $31,882,000 | 660 |
| Provision for loan and lease losses | $1,382,000 | 775 |
| Total noninterest income | $9,267,000 | 656 |
| Gross Fiduciary activities income | $3,393,000 | 193 |
| Service charges on deposit accounts | $2,888,000 | 588 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,986,000 | 1,015 |
| Total noninterest expense | $30,332,000 | 585 |
| Salaries and employee benefits | $15,881,000 | 581 |
| Premises and equipment expense | $6,474,000 | 392 |
| Additional noninterest expense | $7,977,000 | 673 |
| Pre-tax net operating income | $9,435,000 | 1,032 |
| Securities gains (losses) | $56,000 | 885 |
| Applicable income taxes | $1,891,000 | 1,431 |
| Income before extraordinary items | $7,600,000 | 947 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,600,000 | 947 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 4,385 |
| Cash dividends | $4,400,000 | 744 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,555,200 | 936 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $32,381,000 | 721 |
| Total interest expense | $8,693,000 | 906 |
| Net interest income | $23,688,000 | 654 |
| Provision for loan and lease losses | $1,322,000 | 584 |
| Total noninterest income | $6,664,000 | 681 |
| Gross Fiduciary activities income | $2,428,000 | 195 |
| Service charges on deposit accounts | $2,123,000 | 595 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,113,000 | 1,074 |
| Total noninterest expense | $22,965,000 | 581 |
| Salaries and employee benefits | $11,937,000 | 576 |
| Premises and equipment expense | $4,826,000 | 391 |
| Additional noninterest expense | $6,202,000 | 656 |
| Pre-tax net operating income | $6,065,000 | 1,178 |
| Securities gains (losses) | $57,000 | 829 |
| Applicable income taxes | $1,385,000 | 1,467 |
| Income before extraordinary items | $4,737,000 | 1,148 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,737,000 | 1,148 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 3,581 |
| Cash dividends | $3,300,000 | 671 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,693,110 | 1,133 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $20,834,000 | 727 |
| Total interest expense | $5,201,000 | 943 |
| Net interest income | $15,633,000 | 656 |
| Provision for loan and lease losses | $1,010,000 | 504 |
| Total noninterest income | $4,376,000 | 679 |
| Gross Fiduciary activities income | $1,584,000 | 198 |
| Service charges on deposit accounts | $1,409,000 | 588 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,383,000 | 1,065 |
| Total noninterest expense | $15,561,000 | 569 |
| Salaries and employee benefits | $8,181,000 | 556 |
| Premises and equipment expense | $3,203,000 | 387 |
| Additional noninterest expense | $4,177,000 | 640 |
| Pre-tax net operating income | $3,438,000 | 1,367 |
| Securities gains (losses) | $60,000 | 732 |
| Applicable income taxes | $831,000 | 1,570 |
| Income before extraordinary items | $2,667,000 | 1,320 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,667,000 | 1,322 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $219,000 | 1,139 |
| Cash dividends | $3,300,000 | 476 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $2,621,400 | 1,315 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,146,000 | 735 |
| Total interest expense | $2,346,000 | 1,001 |
| Net interest income | $7,800,000 | 660 |
| Provision for loan and lease losses | $507,000 | 464 |
| Total noninterest income | $2,217,000 | 658 |
| Gross Fiduciary activities income | $869,000 | 191 |
| Service charges on deposit accounts | $694,000 | 575 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $654,000 | 1,100 |
| Total noninterest expense | $7,821,000 | 559 |
| Salaries and employee benefits | $4,092,000 | 548 |
| Premises and equipment expense | $1,583,000 | 392 |
| Additional noninterest expense | $2,146,000 | 626 |
| Pre-tax net operating income | $1,689,000 | 1,361 |
| Securities gains (losses) | $67,000 | 473 |
| Applicable income taxes | $403,000 | 1,593 |
| Income before extraordinary items | $1,353,000 | 1,279 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,353,000 | 1,281 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $271,000 | 555 |
| Cash dividends | $3,300,000 | 241 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,301,410 | 1,299 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $37,476,000 | 743 |
| Total interest expense | $7,135,000 | 1,137 |
| Net interest income | $30,341,000 | 659 |
| Provision for loan and lease losses | $1,164,000 | 924 |
| Total noninterest income | $9,086,000 | 661 |
| Gross Fiduciary activities income | $3,486,000 | 188 |
| Service charges on deposit accounts | $3,002,000 | 574 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $2,598,000 | 1,097 |
| Total noninterest expense | $28,957,000 | 586 |
| Salaries and employee benefits | $15,815,000 | 549 |
| Premises and equipment expense | $6,101,000 | 396 |
| Additional noninterest expense | $7,041,000 | 735 |
| Pre-tax net operating income | $9,306,000 | 942 |
| Securities gains (losses) | $70,000 | 1,492 |
| Applicable income taxes | $2,427,000 | 1,075 |
| Income before extraordinary items | $6,949,000 | 952 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $6,949,000 | 953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-185,000 | 8,871 |
| Cash dividends | $0 | 6,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,897,200 | 921 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $27,499,000 | 752 |
| Total interest expense | $5,068,000 | 1,180 |
| Net interest income | $22,431,000 | 658 |
| Provision for loan and lease losses | $810,000 | 946 |
| Total noninterest income | $6,824,000 | 665 |
| Gross Fiduciary activities income | $2,655,000 | 185 |
| Service charges on deposit accounts | $2,238,000 | 589 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,931,000 | 1,115 |
| Total noninterest expense | $21,464,000 | 597 |
| Salaries and employee benefits | $11,900,000 | 548 |
| Premises and equipment expense | $4,529,000 | 397 |
| Additional noninterest expense | $5,035,000 | 752 |
| Pre-tax net operating income | $6,981,000 | 947 |
| Securities gains (losses) | $70,000 | 1,418 |
| Applicable income taxes | $1,746,000 | 1,136 |
| Income before extraordinary items | $5,305,000 | 939 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,305,000 | 940 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-250,000 | 8,938 |
| Cash dividends | $0 | 5,363 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,252,500 | 911 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $17,674,000 | 788 |
| Total interest expense | $3,197,000 | 1,236 |
| Net interest income | $14,477,000 | 675 |
| Provision for loan and lease losses | $356,000 | 1,358 |
| Total noninterest income | $4,595,000 | 657 |
| Gross Fiduciary activities income | $1,822,000 | 184 |
| Service charges on deposit accounts | $1,468,000 | 591 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,305,000 | 1,106 |
| Total noninterest expense | $14,019,000 | 604 |
| Salaries and employee benefits | $7,860,000 | 553 |
| Premises and equipment expense | $2,999,000 | 401 |
| Additional noninterest expense | $3,160,000 | 783 |
| Pre-tax net operating income | $4,697,000 | 932 |
| Securities gains (losses) | $53,000 | 1,421 |
| Applicable income taxes | $1,222,000 | 1,093 |
| Income before extraordinary items | $3,528,000 | 929 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,528,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-406,000 | 9,038 |
| Cash dividends | $0 | 5,087 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,488,780 | 903 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,634,000 | 818 |
| Total interest expense | $1,504,000 | 1,329 |
| Net interest income | $7,130,000 | 690 |
| Provision for loan and lease losses | $300,000 | 782 |
| Total noninterest income | $2,309,000 | 649 |
| Gross Fiduciary activities income | $947,000 | 178 |
| Service charges on deposit accounts | $723,000 | 595 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $639,000 | 1,081 |
| Total noninterest expense | $6,788,000 | 627 |
| Salaries and employee benefits | $3,875,000 | 572 |
| Premises and equipment expense | $1,502,000 | 402 |
| Additional noninterest expense | $1,411,000 | 880 |
| Pre-tax net operating income | $2,351,000 | 915 |
| Securities gains (losses) | $53,000 | 1,163 |
| Applicable income taxes | $642,000 | 1,057 |
| Income before extraordinary items | $1,762,000 | 922 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,762,000 | 922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $164,000 | 937 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,723,310 | 903 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $33,513,000 | 836 |
| Total interest expense | $6,842,000 | 1,295 |
| Net interest income | $26,671,000 | 710 |
| Provision for loan and lease losses | $2,519,000 | 551 |
| Total noninterest income | $10,088,000 | 649 |
| Gross Fiduciary activities income | $3,277,000 | 195 |
| Service charges on deposit accounts | $2,854,000 | 597 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,957,000 | 902 |
| Total noninterest expense | $27,016,000 | 625 |
| Salaries and employee benefits | $14,971,000 | 583 |
| Premises and equipment expense | $6,135,000 | 396 |
| Additional noninterest expense | $5,910,000 | 861 |
| Pre-tax net operating income | $7,224,000 | 1,159 |
| Securities gains (losses) | $410,000 | 858 |
| Applicable income taxes | $2,161,000 | 1,218 |
| Income before extraordinary items | $5,473,000 | 1,172 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,473,000 | 1,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,885,000 | 417 |
| Cash dividends | $3,978,000 | 799 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,177,800 | 1,171 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $24,931,000 | 861 |
| Total interest expense | $5,290,000 | 1,312 |
| Net interest income | $19,641,000 | 727 |
| Provision for loan and lease losses | $1,627,000 | 615 |
| Total noninterest income | $7,575,000 | 675 |
| Gross Fiduciary activities income | $2,477,000 | 203 |
| Service charges on deposit accounts | $2,160,000 | 601 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,938,000 | 932 |
| Total noninterest expense | $19,996,000 | 643 |
| Salaries and employee benefits | $11,161,000 | 600 |
| Premises and equipment expense | $4,583,000 | 405 |
| Additional noninterest expense | $4,252,000 | 906 |
| Pre-tax net operating income | $5,593,000 | 1,154 |
| Securities gains (losses) | $390,000 | 805 |
| Applicable income taxes | $1,677,000 | 1,225 |
| Income before extraordinary items | $4,306,000 | 1,161 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,306,000 | 1,162 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,384,000 | 381 |
| Cash dividends | $3,978,000 | 582 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,025,200 | 1,163 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,560,000 | 885 |
| Total interest expense | $3,629,000 | 1,318 |
| Net interest income | $12,931,000 | 738 |
| Provision for loan and lease losses | $767,000 | 795 |
| Total noninterest income | $5,306,000 | 647 |
| Gross Fiduciary activities income | $1,653,000 | 206 |
| Service charges on deposit accounts | $1,454,000 | 588 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,199,000 | 855 |
| Total noninterest expense | $13,321,000 | 641 |
| Salaries and employee benefits | $7,501,000 | 593 |
| Premises and equipment expense | $3,049,000 | 406 |
| Additional noninterest expense | $2,771,000 | 921 |
| Pre-tax net operating income | $4,149,000 | 1,041 |
| Securities gains (losses) | $259,000 | 896 |
| Applicable income taxes | $1,246,000 | 1,140 |
| Income before extraordinary items | $3,162,000 | 1,055 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,162,000 | 1,055 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $841,000 | 577 |
| Cash dividends | $3,978,000 | 433 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,975,520 | 1,046 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,326,000 | 891 |
| Total interest expense | $1,878,000 | 1,299 |
| Net interest income | $6,448,000 | 740 |
| Provision for loan and lease losses | $394,000 | 745 |
| Total noninterest income | $2,811,000 | 617 |
| Gross Fiduciary activities income | $783,000 | 217 |
| Service charges on deposit accounts | $722,000 | 581 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,306,000 | 731 |
| Total noninterest expense | $6,565,000 | 641 |
| Salaries and employee benefits | $3,678,000 | 599 |
| Premises and equipment expense | $1,514,000 | 409 |
| Additional noninterest expense | $1,373,000 | 909 |
| Pre-tax net operating income | $2,300,000 | 965 |
| Securities gains (losses) | $58,000 | 1,308 |
| Applicable income taxes | $664,000 | 1,110 |
| Income before extraordinary items | $1,694,000 | 990 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,694,000 | 988 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 848 |
| Cash dividends | $633,000 | 1,002 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,652,240 | 941 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $37,070,000 | 806 |
| Total interest expense | $10,535,000 | 1,058 |
| Net interest income | $26,535,000 | 711 |
| Provision for loan and lease losses | $2,231,000 | 682 |
| Total noninterest income | $8,906,000 | 676 |
| Gross Fiduciary activities income | $3,179,000 | 216 |
| Service charges on deposit accounts | $2,651,000 | 616 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,076,000 | 985 |
| Total noninterest expense | $25,114,000 | 651 |
| Salaries and employee benefits | $13,898,000 | 590 |
| Premises and equipment expense | $5,602,000 | 428 |
| Additional noninterest expense | $5,614,000 | 894 |
| Pre-tax net operating income | $8,096,000 | 1,047 |
| Securities gains (losses) | $212,000 | 1,117 |
| Applicable income taxes | $2,444,000 | 1,095 |
| Income before extraordinary items | $5,864,000 | 1,066 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,864,000 | 1,067 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,345,000 | 515 |
| Cash dividends | $2,070,000 | 1,273 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,713,480 | 1,058 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $38,949,000 | 873 |
| Total interest expense | $15,565,000 | 1,041 |
| Net interest income | $23,384,000 | 754 |
| Provision for loan and lease losses | $2,929,000 | 523 |
| Total noninterest income | $6,358,000 | 818 |
| Gross Fiduciary activities income | $2,919,000 | 230 |
| Service charges on deposit accounts | $2,137,000 | 691 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,302,000 | 1,706 |
| Total noninterest expense | $22,330,000 | 699 |
| Salaries and employee benefits | $12,279,000 | 626 |
| Premises and equipment expense | $4,404,000 | 508 |
| Additional noninterest expense | $5,647,000 | 864 |
| Pre-tax net operating income | $4,483,000 | 1,601 |
| Securities gains (losses) | $180,000 | 1,285 |
| Applicable income taxes | $1,361,000 | 1,638 |
| Income before extraordinary items | $3,302,000 | 1,607 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $3,302,000 | 1,608 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,194,000 | 411 |
| Cash dividends | $4,912,000 | 627 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $3,174,200 | 1,589 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $39,692,000 | 895 |
| Total interest expense | $16,952,000 | 1,043 |
| Net interest income | $22,740,000 | 774 |
| Provision for loan and lease losses | $876,000 | 1,189 |
| Total noninterest income | $6,053,000 | 807 |
| Gross Fiduciary activities income | $3,065,000 | 221 |
| Service charges on deposit accounts | $1,653,000 | 825 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,335,000 | 1,519 |
| Total noninterest expense | $19,591,000 | 767 |
| Salaries and employee benefits | $11,001,000 | 650 |
| Premises and equipment expense | $4,017,000 | 556 |
| Additional noninterest expense | $4,573,000 | 1,030 |
| Pre-tax net operating income | $8,326,000 | 930 |
| Securities gains (losses) | $-35,000 | 9,026 |
| Applicable income taxes | $2,255,000 | 1,044 |
| Income before extraordinary items | $6,036,000 | 871 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $6,036,000 | 870 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $528,000 | 1,199 |
| Cash dividends | $2,188,000 | 1,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $6,061,550 | 867 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $35,061,000 | 952 |
| Total interest expense | $14,543,000 | 1,047 |
| Net interest income | $20,518,000 | 864 |
| Provision for loan and lease losses | $799,000 | 1,191 |
| Total noninterest income | $4,781,000 | 980 |
| Gross Fiduciary activities income | $2,536,000 | 285 |
| Service charges on deposit accounts | $1,483,000 | 892 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $762,000 | 2,236 |
| Total noninterest expense | $17,282,000 | 846 |
| Salaries and employee benefits | $9,694,000 | 724 |
| Premises and equipment expense | $3,779,000 | 589 |
| Additional noninterest expense | $3,809,000 | 1,215 |
| Pre-tax net operating income | $7,218,000 | 1,080 |
| Securities gains (losses) | $175,000 | 581 |
| Applicable income taxes | $2,050,000 | 1,206 |
| Income before extraordinary items | $5,343,000 | 1,037 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,343,000 | 1,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $415,000 | 1,418 |
| Cash dividends | $3,517,000 | 848 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $5,217,000 | 1,038 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $33,752,000 | 975 |
| Total interest expense | $14,135,000 | 1,104 |
| Net interest income | $19,617,000 | 874 |
| Provision for loan and lease losses | $911,000 | 1,050 |
| Total noninterest income | $4,581,000 | 998 |
| Gross Fiduciary activities income | $2,266,000 | 293 |
| Service charges on deposit accounts | $1,453,000 | 850 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $862,000 | 2,060 |
| Total noninterest expense | $16,041,000 | 883 |
| Salaries and employee benefits | $9,046,000 | 744 |
| Premises and equipment expense | $3,293,000 | 649 |
| Additional noninterest expense | $3,702,000 | 1,212 |
| Pre-tax net operating income | $7,246,000 | 1,046 |
| Securities gains (losses) | $63,000 | 1,575 |
| Applicable income taxes | $2,099,000 | 1,207 |
| Income before extraordinary items | $5,210,000 | 1,036 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $5,210,000 | 1,036 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $934,000 | 803 |
| Cash dividends | $1,948,000 | 1,376 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $5,165,270 | 1,002 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $32,113,000 | 1,065 |
| Total interest expense | $13,351,000 | 1,201 |
| Net interest income | $18,762,000 | 957 |
| Provision for loan and lease losses | $1,135,000 | 890 |
| Total noninterest income | $3,767,000 | 1,122 |
| Gross Fiduciary activities income | $2,000,000 | 324 |
| Service charges on deposit accounts | $1,298,000 | 975 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $469,000 | 2,954 |
| Total noninterest expense | $14,726,000 | 945 |
| Salaries and employee benefits | $8,361,000 | 810 |
| Premises and equipment expense | $2,958,000 | 702 |
| Additional noninterest expense | $3,407,000 | 1,285 |
| Pre-tax net operating income | $6,668,000 | 1,182 |
| Securities gains (losses) | $-196,000 | 10,833 |
| Applicable income taxes | $1,886,000 | 1,397 |
| Income before extraordinary items | $4,586,000 | 1,195 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $4,586,000 | 1,196 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $453,000 | 1,456 |
| Cash dividends | $2,023,000 | 1,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $4,725,160 | 1,141 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $29,615,000 | 1,162 |
| Total interest expense | $12,134,000 | 1,331 |
| Net interest income | $17,481,000 | 1,040 |
| Provision for loan and lease losses | $1,079,000 | 968 |
| Total noninterest income | $3,411,000 | 1,239 |
| Gross Fiduciary activities income | $1,861,000 | 367 |
| Service charges on deposit accounts | $1,087,000 | 1,230 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $463,000 | 3,087 |
| Total noninterest expense | $13,435,000 | 1,107 |
| Salaries and employee benefits | $7,736,000 | 883 |
| Premises and equipment expense | $2,643,000 | 822 |
| Additional noninterest expense | $3,056,000 | 1,704 |
| Pre-tax net operating income | $6,378,000 | 1,151 |
| Securities gains (losses) | $5,000 | 2,986 |
| Applicable income taxes | $2,024,000 | 1,218 |
| Income before extraordinary items | $4,359,000 | 1,166 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $4,359,000 | 1,167 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $367,000 | 1,793 |
| Cash dividends | $1,814,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $4,355,600 | 1,150 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $28,444,000 | 1,207 |
| Total interest expense | $11,564,000 | 1,405 |
| Net interest income | $16,880,000 | 1,085 |
| Provision for loan and lease losses | $1,666,000 | 665 |
| Total noninterest income | $3,481,000 | 1,225 |
| Gross Fiduciary activities income | $1,836,000 | 392 |
| Service charges on deposit accounts | $1,133,000 | 1,180 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $512,000 | 2,830 |
| Total noninterest expense | $12,623,000 | 1,167 |
| Salaries and employee benefits | $7,073,000 | 970 |
| Premises and equipment expense | $2,359,000 | 921 |
| Additional noninterest expense | $3,191,000 | 1,615 |
| Pre-tax net operating income | $6,072,000 | 1,257 |
| Securities gains (losses) | $-8,000 | 9,956 |
| Applicable income taxes | $1,865,000 | 1,354 |
| Income before extraordinary items | $4,199,000 | 1,262 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $4,199,000 | 1,260 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $463,000 | 1,451 |
| Cash dividends | $3,609,000 | 818 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $4,204,520 | 1,239 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $24,350,000 | 1,291 |
| Total interest expense | $8,719,000 | 1,488 |
| Net interest income | $15,631,000 | 1,165 |
| Provision for loan and lease losses | $1,790,000 | 631 |
| Total noninterest income | $3,504,000 | 1,206 |
| Gross Fiduciary activities income | $1,764,000 | 392 |
| Service charges on deposit accounts | $1,123,000 | 1,177 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $617,000 | 2,531 |
| Total noninterest expense | $12,201,000 | 1,221 |
| Salaries and employee benefits | $6,481,000 | 1,043 |
| Premises and equipment expense | $2,243,000 | 955 |
| Additional noninterest expense | $3,477,000 | 1,597 |
| Pre-tax net operating income | $5,144,000 | 1,438 |
| Securities gains (losses) | $-91,000 | 11,473 |
| Applicable income taxes | $1,543,000 | 1,521 |
| Income before extraordinary items | $3,510,000 | 1,415 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,510,000 | 1,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,326,000 | 744 |
| Cash dividends | $1,380,000 | 1,503 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,572,790 | 1,410 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $23,448,000 | 1,360 |
| Total interest expense | $9,405,000 | 1,425 |
| Net interest income | $14,043,000 | 1,282 |
| Provision for loan and lease losses | $1,524,000 | 988 |
| Total noninterest income | $3,059,000 | 1,438 |
| Gross Fiduciary activities income | $1,680,000 | 416 |
| Service charges on deposit accounts | $1,041,000 | 1,300 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $338,000 | 4,191 |
| Total noninterest expense | $11,309,000 | 1,359 |
| Salaries and employee benefits | $6,132,000 | 1,107 |
| Premises and equipment expense | $2,001,000 | 1,076 |
| Additional noninterest expense | $3,176,000 | 1,830 |
| Pre-tax net operating income | $4,269,000 | 1,622 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $1,201,000 | 1,920 |
| Income before extraordinary items | $3,068,000 | 1,650 |
| Extraordinary gains, net | $489,000 | 483 |
| Net income | $3,557,000 | 1,468 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $985,000 | 1,153 |
| Cash dividends | $1,057,000 | 1,663 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,068,000 | 1,564 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $24,268,000 | 1,507 |
| Total interest expense | $10,985,000 | 1,592 |
| Net interest income | $13,283,000 | 1,393 |
| Provision for loan and lease losses | $1,435,000 | 1,450 |
| Total noninterest income | $2,571,000 | 1,621 |
| Gross Fiduciary activities income | $1,500,000 | 439 |
| Service charges on deposit accounts | $785,000 | 1,713 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $286,000 | 4,566 |
| Total noninterest expense | $9,917,000 | 1,555 |
| Salaries and employee benefits | $5,491,000 | 1,220 |
| Premises and equipment expense | $1,601,000 | 1,362 |
| Additional noninterest expense | $2,825,000 | 2,096 |
| Pre-tax net operating income | $4,502,000 | 1,416 |
| Securities gains (losses) | $-12,000 | 13,350 |
| Applicable income taxes | $1,253,000 | 1,679 |
| Income before extraordinary items | $3,237,000 | 1,434 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,237,000 | 1,442 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $985,000 | 1,577 |
| Cash dividends | $1,150,000 | 1,380 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,245,640 | 1,321 |
* 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.