Home > First National Bank of Chillicothe > Income and Expense
First National Bank of Chillicothe, Income and Expense
| 2014-06-30 (YTD Data) | Rank | |
| Total interest income | $1,208,000 | 5,462 |
| Total interest expense | $167,000 | 4,908 |
| Net interest income | $1,041,000 | 5,489 |
| Provision for loan and lease losses | $20,000 | 3,628 |
| Total noninterest income | $70,000 | 5,840 |
| Gross Fiduciary activities income | $0 | 1,182 |
| Service charges on deposit accounts | $45,000 | 5,223 |
| Trading account gains and fees | $0 | 172 |
| Additional Noninterest Income | $25,000 | 5,847 |
| Total noninterest expense | $719,000 | 5,822 |
| Salaries and employee benefits | $384,000 | 5,828 |
| Premises and equipment expense | $78,000 | 5,759 |
| Additional noninterest expense | $257,000 | 5,682 |
| Pre-tax net operating income | $372,000 | 4,627 |
| Securities gains (losses) | $50,000 | 1,166 |
| Applicable income taxes | $4,000 | 4,298 |
| Income before extraordinary items | $418,000 | 4,239 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $418,000 | 4,242 |
| Minority interest net income | $0 | 80 |
| Net income of bank and minority interests. | $418,000 | 4,244 |
| Net charge-offs | $15,000 | 3,541 |
| Cash dividends | $165,000 | 2,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 794 |
| Net operating income | $368,500 | 4,382 |
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $613,000 | 5,500 |
| Total interest expense | $87,000 | 4,889 |
| Net interest income | $526,000 | 5,518 |
| Provision for loan and lease losses | $3,000 | 3,691 |
| Total noninterest income | $33,000 | 5,914 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $22,000 | 5,246 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $11,000 | 5,913 |
| Total noninterest expense | $360,000 | 5,885 |
| Salaries and employee benefits | $202,000 | 5,821 |
| Premises and equipment expense | $42,000 | 5,719 |
| Additional noninterest expense | $116,000 | 5,866 |
| Pre-tax net operating income | $196,000 | 4,503 |
| Securities gains (losses) | $50,000 | 647 |
| Applicable income taxes | $4,000 | 4,102 |
| Income before extraordinary items | $242,000 | 3,923 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $242,000 | 3,925 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $242,000 | 3,925 |
| Net charge-offs | $-1,000 | 4,711 |
| Cash dividends | $165,000 | 1,908 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $193,000 | 4,261 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $2,421,000 | 5,583 |
| Total interest expense | $431,000 | 4,763 |
| Net interest income | $1,990,000 | 5,671 |
| Provision for loan and lease losses | $29,000 | 4,590 |
| Total noninterest income | $138,000 | 5,977 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $94,000 | 5,331 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $44,000 | 5,926 |
| Total noninterest expense | $1,602,000 | 5,795 |
| Salaries and employee benefits | $813,000 | 5,885 |
| Premises and equipment expense | $143,000 | 5,979 |
| Additional noninterest expense | $646,000 | 5,472 |
| Pre-tax net operating income | $497,000 | 5,010 |
| Securities gains (losses) | $131,000 | 1,150 |
| Applicable income taxes | $7,000 | 4,357 |
| Income before extraordinary items | $621,000 | 4,614 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $621,000 | 4,618 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $621,000 | 4,618 |
| Net charge-offs | $24,000 | 4,767 |
| Cash dividends | $800,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $491,310 | 4,869 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $1,780,000 | 5,681 |
| Total interest expense | $337,000 | 4,776 |
| Net interest income | $1,443,000 | 5,783 |
| Provision for loan and lease losses | $26,000 | 4,378 |
| Total noninterest income | $94,000 | 6,126 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $73,000 | 5,336 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $21,000 | 6,226 |
| Total noninterest expense | $1,221,000 | 5,792 |
| Salaries and employee benefits | $628,000 | 5,864 |
| Premises and equipment expense | $106,000 | 6,040 |
| Additional noninterest expense | $487,000 | 5,486 |
| Pre-tax net operating income | $290,000 | 5,376 |
| Securities gains (losses) | $99,000 | 1,218 |
| Applicable income taxes | $4,000 | 4,492 |
| Income before extraordinary items | $385,000 | 4,962 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $385,000 | 4,962 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $385,000 | 4,963 |
| Net charge-offs | $12,000 | 4,641 |
| Cash dividends | $800,000 | 1,658 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $286,990 | 5,230 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $1,149,000 | 5,767 |
| Total interest expense | $232,000 | 4,770 |
| Net interest income | $917,000 | 5,881 |
| Provision for loan and lease losses | $23,000 | 4,212 |
| Total noninterest income | $79,000 | 5,944 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $52,000 | 5,236 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $27,000 | 5,930 |
| Total noninterest expense | $814,000 | 5,821 |
| Salaries and employee benefits | $413,000 | 5,938 |
| Premises and equipment expense | $68,000 | 6,120 |
| Additional noninterest expense | $333,000 | 5,437 |
| Pre-tax net operating income | $159,000 | 5,551 |
| Securities gains (losses) | $107,000 | 1,068 |
| Applicable income taxes | $3,000 | 4,453 |
| Income before extraordinary items | $263,000 | 4,942 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $263,000 | 4,944 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $263,000 | 4,945 |
| Net charge-offs | $13,000 | 4,215 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $157,070 | 5,401 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $559,000 | 5,859 |
| Total interest expense | $116,000 | 4,854 |
| Net interest income | $443,000 | 5,975 |
| Provision for loan and lease losses | $19,000 | 3,641 |
| Total noninterest income | $39,000 | 5,958 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $24,000 | 5,346 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $15,000 | 5,890 |
| Total noninterest expense | $413,000 | 5,861 |
| Salaries and employee benefits | $207,000 | 5,968 |
| Premises and equipment expense | $35,000 | 6,122 |
| Additional noninterest expense | $171,000 | 5,464 |
| Pre-tax net operating income | $50,000 | 5,840 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $0 | 4,602 |
| Income before extraordinary items | $50,000 | 5,854 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $50,000 | 5,856 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $50,000 | 5,856 |
| Net charge-offs | $15,000 | 3,259 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $50,000 | 5,768 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $2,524,000 | 5,790 |
| Total interest expense | $655,000 | 4,563 |
| Net interest income | $1,869,000 | 5,980 |
| Provision for loan and lease losses | $15,000 | 5,669 |
| Total noninterest income | $20,000 | 6,754 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $104,000 | 5,374 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-84,000 | 6,721 |
| Total noninterest expense | $1,651,000 | 5,946 |
| Salaries and employee benefits | $789,000 | 6,117 |
| Premises and equipment expense | $136,000 | 6,242 |
| Additional noninterest expense | $726,000 | 5,472 |
| Pre-tax net operating income | $223,000 | 5,619 |
| Securities gains (losses) | $-44,000 | 6,841 |
| Applicable income taxes | $-1,000 | 6,480 |
| Income before extraordinary items | $180,000 | 5,845 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $180,000 | 5,844 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $180,000 | 5,845 |
| Net charge-offs | $16,000 | 5,477 |
| Cash dividends | $25,000 | 4,272 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $224,000 | 5,532 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $1,928,000 | 5,854 |
| Total interest expense | $523,000 | 4,550 |
| Net interest income | $1,405,000 | 6,061 |
| Provision for loan and lease losses | $10,000 | 5,570 |
| Total noninterest income | $40,000 | 6,729 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $80,000 | 5,412 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-40,000 | 6,820 |
| Total noninterest expense | $1,235,000 | 6,008 |
| Salaries and employee benefits | $585,000 | 6,160 |
| Premises and equipment expense | $102,000 | 6,316 |
| Additional noninterest expense | $548,000 | 5,511 |
| Pre-tax net operating income | $200,000 | 5,684 |
| Securities gains (losses) | $-42,000 | 6,950 |
| Applicable income taxes | $-1,000 | 6,709 |
| Income before extraordinary items | $159,000 | 5,890 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $159,000 | 5,889 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $159,000 | 5,889 |
| Net charge-offs | $8,000 | 5,367 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $201,000 | 5,541 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $1,310,000 | 5,864 |
| Total interest expense | $366,000 | 4,543 |
| Net interest income | $944,000 | 6,090 |
| Provision for loan and lease losses | $7,000 | 5,436 |
| Total noninterest income | $39,000 | 6,606 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $56,000 | 5,348 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-17,000 | 6,867 |
| Total noninterest expense | $816,000 | 6,063 |
| Salaries and employee benefits | $395,000 | 6,191 |
| Premises and equipment expense | $65,000 | 6,409 |
| Additional noninterest expense | $356,000 | 5,596 |
| Pre-tax net operating income | $160,000 | 5,533 |
| Securities gains (losses) | $-45,000 | 7,043 |
| Applicable income taxes | $-1,000 | 6,760 |
| Income before extraordinary items | $116,000 | 5,859 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $116,000 | 5,858 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $116,000 | 5,858 |
| Net charge-offs | $9,000 | 4,968 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $161,000 | 5,389 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $673,000 | 5,856 |
| Total interest expense | $199,000 | 4,467 |
| Net interest income | $474,000 | 6,125 |
| Provision for loan and lease losses | $3,000 | 5,118 |
| Total noninterest income | $21,000 | 6,619 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $27,000 | 5,391 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-6,000 | 6,955 |
| Total noninterest expense | $396,000 | 6,159 |
| Salaries and employee benefits | $202,000 | 6,203 |
| Premises and equipment expense | $34,000 | 6,373 |
| Additional noninterest expense | $160,000 | 5,822 |
| Pre-tax net operating income | $96,000 | 5,454 |
| Securities gains (losses) | $-48,000 | 7,164 |
| Applicable income taxes | $0 | 4,704 |
| Income before extraordinary items | $48,000 | 5,999 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $48,000 | 5,999 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $48,000 | 5,999 |
| Net charge-offs | $7,000 | 4,174 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $96,000 | 5,260 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $2,863,000 | 5,838 |
| Total interest expense | $951,000 | 4,519 |
| Net interest income | $1,912,000 | 6,161 |
| Provision for loan and lease losses | $31,000 | 6,054 |
| Total noninterest income | $138,000 | 6,132 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $114,000 | 5,338 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $24,000 | 6,306 |
| Total noninterest expense | $1,575,000 | 6,238 |
| Salaries and employee benefits | $795,000 | 6,290 |
| Premises and equipment expense | $135,000 | 6,538 |
| Additional noninterest expense | $645,000 | 5,857 |
| Pre-tax net operating income | $444,000 | 4,867 |
| Securities gains (losses) | $-206,000 | 7,163 |
| Applicable income taxes | $-7,000 | 6,565 |
| Income before extraordinary items | $245,000 | 5,411 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $245,000 | 5,412 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $245,000 | 5,413 |
| Net charge-offs | $39,000 | 5,612 |
| Cash dividends | $25,000 | 4,090 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $451,000 | 4,666 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $2,168,000 | 5,884 |
| Total interest expense | $726,000 | 4,593 |
| Net interest income | $1,442,000 | 6,201 |
| Provision for loan and lease losses | $28,000 | 5,855 |
| Total noninterest income | $114,000 | 6,152 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $84,000 | 5,397 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $30,000 | 6,169 |
| Total noninterest expense | $1,171,000 | 6,286 |
| Salaries and employee benefits | $586,000 | 6,325 |
| Premises and equipment expense | $100,000 | 6,601 |
| Additional noninterest expense | $485,000 | 5,893 |
| Pre-tax net operating income | $357,000 | 4,904 |
| Securities gains (losses) | $-206,000 | 7,284 |
| Applicable income taxes | $-8,000 | 6,772 |
| Income before extraordinary items | $159,000 | 5,669 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $159,000 | 5,669 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $159,000 | 5,669 |
| Net charge-offs | $42,000 | 5,098 |
| Cash dividends | $25,000 | 3,502 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $365,000 | 4,671 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,446,000 | 5,943 |
| Total interest expense | $485,000 | 4,711 |
| Net interest income | $961,000 | 6,235 |
| Provision for loan and lease losses | $22,000 | 5,678 |
| Total noninterest income | $137,000 | 5,459 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $52,000 | 5,486 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $85,000 | 4,794 |
| Total noninterest expense | $852,000 | 6,189 |
| Salaries and employee benefits | $392,000 | 6,379 |
| Premises and equipment expense | $67,000 | 6,638 |
| Additional noninterest expense | $393,000 | 5,567 |
| Pre-tax net operating income | $224,000 | 4,981 |
| Securities gains (losses) | $-206,000 | 7,383 |
| Applicable income taxes | $-9,000 | 6,862 |
| Income before extraordinary items | $27,000 | 6,153 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $27,000 | 6,152 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $27,000 | 6,153 |
| Net charge-offs | $42,000 | 4,587 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $233,000 | 4,727 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $719,000 | 5,991 |
| Total interest expense | $245,000 | 4,799 |
| Net interest income | $474,000 | 6,284 |
| Provision for loan and lease losses | $9,000 | 5,448 |
| Total noninterest income | $87,000 | 5,135 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $24,000 | 5,566 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $63,000 | 4,308 |
| Total noninterest expense | $399,000 | 6,347 |
| Salaries and employee benefits | $201,000 | 6,382 |
| Premises and equipment expense | $34,000 | 6,663 |
| Additional noninterest expense | $164,000 | 5,969 |
| Pre-tax net operating income | $153,000 | 4,616 |
| Securities gains (losses) | $-174,000 | 7,452 |
| Applicable income taxes | $-9,000 | 6,994 |
| Income before extraordinary items | $-12,000 | 6,447 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-12,000 | 6,447 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-12,000 | 6,447 |
| Net charge-offs | $21,000 | 4,005 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $99,360 | 4,956 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,330,000 | 5,829 |
| Total interest expense | $1,144,000 | 4,932 |
| Net interest income | $2,186,000 | 6,064 |
| Provision for loan and lease losses | $66,000 | 6,306 |
| Total noninterest income | $159,000 | 6,228 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $100,000 | 5,479 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $59,000 | 5,967 |
| Total noninterest expense | $1,530,000 | 6,488 |
| Salaries and employee benefits | $767,000 | 6,522 |
| Premises and equipment expense | $131,000 | 6,790 |
| Additional noninterest expense | $632,000 | 6,124 |
| Pre-tax net operating income | $749,000 | 3,831 |
| Securities gains (losses) | $-331,000 | 7,371 |
| Applicable income taxes | $-8,000 | 6,549 |
| Income before extraordinary items | $426,000 | 4,544 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $426,000 | 4,544 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $426,000 | 4,544 |
| Net charge-offs | $43,000 | 6,009 |
| Cash dividends | $25,000 | 4,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $757,000 | 3,569 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,583,000 | 5,859 |
| Total interest expense | $873,000 | 5,045 |
| Net interest income | $1,710,000 | 6,069 |
| Provision for loan and lease losses | $33,000 | 6,488 |
| Total noninterest income | $113,000 | 6,398 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $75,000 | 5,574 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $38,000 | 6,249 |
| Total noninterest expense | $1,144,000 | 6,548 |
| Salaries and employee benefits | $578,000 | 6,565 |
| Premises and equipment expense | $98,000 | 6,864 |
| Additional noninterest expense | $468,000 | 6,185 |
| Pre-tax net operating income | $646,000 | 3,858 |
| Securities gains (losses) | $-309,000 | 7,545 |
| Applicable income taxes | $-2,000 | 6,783 |
| Income before extraordinary items | $339,000 | 4,704 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $339,000 | 4,707 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $339,000 | 4,707 |
| Net charge-offs | $15,000 | 6,116 |
| Cash dividends | $25,000 | 3,585 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $648,000 | 3,515 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,759,000 | 5,856 |
| Total interest expense | $585,000 | 5,127 |
| Net interest income | $1,174,000 | 6,006 |
| Provision for loan and lease losses | $9,000 | 6,665 |
| Total noninterest income | $72,000 | 6,491 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $49,000 | 5,620 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $23,000 | 6,361 |
| Total noninterest expense | $779,000 | 6,551 |
| Salaries and employee benefits | $390,000 | 6,594 |
| Premises and equipment expense | $65,000 | 6,924 |
| Additional noninterest expense | $324,000 | 6,125 |
| Pre-tax net operating income | $458,000 | 3,775 |
| Securities gains (losses) | $-392,000 | 7,666 |
| Applicable income taxes | $-1,000 | 6,843 |
| Income before extraordinary items | $67,000 | 5,765 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $67,000 | 5,767 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $67,000 | 5,766 |
| Net charge-offs | $13,000 | 5,696 |
| Cash dividends | $25,000 | 3,333 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $459,000 | 3,444 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $899,000 | 5,872 |
| Total interest expense | $303,000 | 5,179 |
| Net interest income | $596,000 | 6,026 |
| Provision for loan and lease losses | $6,000 | 6,295 |
| Total noninterest income | $35,000 | 6,568 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $23,000 | 5,727 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $12,000 | 6,461 |
| Total noninterest expense | $391,000 | 6,630 |
| Salaries and employee benefits | $199,000 | 6,634 |
| Premises and equipment expense | $34,000 | 6,958 |
| Additional noninterest expense | $158,000 | 6,241 |
| Pre-tax net operating income | $234,000 | 3,798 |
| Securities gains (losses) | $-357,000 | 7,810 |
| Applicable income taxes | $3,000 | 4,254 |
| Income before extraordinary items | $-126,000 | 6,810 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $-126,000 | 6,811 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $-126,000 | 6,810 |
| Net charge-offs | $9,000 | 4,900 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $231,000 | 3,504 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $4,177,000 | 5,598 |
| Total interest expense | $1,692,000 | 4,880 |
| Net interest income | $2,485,000 | 5,856 |
| Provision for loan and lease losses | $78,000 | 6,609 |
| Total noninterest income | $172,000 | 6,423 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $110,000 | 5,624 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $62,000 | 6,155 |
| Total noninterest expense | $1,665,000 | 6,589 |
| Salaries and employee benefits | $850,000 | 6,587 |
| Premises and equipment expense | $121,000 | 7,179 |
| Additional noninterest expense | $694,000 | 6,151 |
| Pre-tax net operating income | $914,000 | 3,125 |
| Securities gains (losses) | $-2,173,000 | 7,814 |
| Applicable income taxes | $14,000 | 3,807 |
| Income before extraordinary items | $-1,273,000 | 6,484 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-1,273,000 | 6,484 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-1,273,000 | 6,484 |
| Net charge-offs | $66,000 | 6,031 |
| Cash dividends | $361,000 | 2,984 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $900,000 | 2,889 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,204,000 | 5,611 |
| Total interest expense | $1,332,000 | 4,902 |
| Net interest income | $1,872,000 | 5,859 |
| Provision for loan and lease losses | $70,000 | 6,311 |
| Total noninterest income | $134,000 | 6,496 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $84,000 | 5,633 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $50,000 | 6,216 |
| Total noninterest expense | $1,245,000 | 6,632 |
| Salaries and employee benefits | $659,000 | 6,537 |
| Premises and equipment expense | $91,000 | 7,242 |
| Additional noninterest expense | $495,000 | 6,267 |
| Pre-tax net operating income | $691,000 | 3,358 |
| Securities gains (losses) | $-640,000 | 7,791 |
| Applicable income taxes | $11,000 | 4,016 |
| Income before extraordinary items | $40,000 | 5,610 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $40,000 | 5,610 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $40,000 | 5,610 |
| Net charge-offs | $60,000 | 5,538 |
| Cash dividends | $361,000 | 2,401 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $539,200 | 3,465 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,196,000 | 5,602 |
| Total interest expense | $925,000 | 4,921 |
| Net interest income | $1,271,000 | 5,832 |
| Provision for loan and lease losses | $48,000 | 6,130 |
| Total noninterest income | $86,000 | 6,598 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $54,000 | 5,697 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $32,000 | 6,339 |
| Total noninterest expense | $844,000 | 6,657 |
| Salaries and employee benefits | $460,000 | 6,512 |
| Premises and equipment expense | $58,000 | 7,366 |
| Additional noninterest expense | $326,000 | 6,314 |
| Pre-tax net operating income | $465,000 | 3,421 |
| Securities gains (losses) | $-319,000 | 7,856 |
| Applicable income taxes | $7,000 | 4,133 |
| Income before extraordinary items | $139,000 | 4,944 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $139,000 | 4,942 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $139,000 | 4,942 |
| Net charge-offs | $34,000 | 5,243 |
| Cash dividends | $246,000 | 2,464 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $442,050 | 3,205 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,140,000 | 5,560 |
| Total interest expense | $476,000 | 4,962 |
| Net interest income | $664,000 | 5,717 |
| Provision for loan and lease losses | $43,000 | 5,118 |
| Total noninterest income | $43,000 | 6,571 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $25,000 | 5,766 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $18,000 | 6,276 |
| Total noninterest expense | $457,000 | 6,470 |
| Salaries and employee benefits | $263,000 | 6,284 |
| Premises and equipment expense | $33,000 | 7,236 |
| Additional noninterest expense | $161,000 | 6,133 |
| Pre-tax net operating income | $207,000 | 3,978 |
| Securities gains (losses) | $-173,000 | 8,033 |
| Applicable income taxes | $3,000 | 4,463 |
| Income before extraordinary items | $31,000 | 5,977 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $31,000 | 5,979 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $31,000 | 5,979 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $188,430 | 3,809 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,765,000 | 5,596 |
| Total interest expense | $2,345,000 | 4,912 |
| Net interest income | $2,420,000 | 5,970 |
| Provision for loan and lease losses | $-30,000 | 8,224 |
| Total noninterest income | $168,000 | 6,724 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $122,000 | 5,633 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $46,000 | 6,829 |
| Total noninterest expense | $1,682,000 | 6,642 |
| Salaries and employee benefits | $938,000 | 6,557 |
| Premises and equipment expense | $125,000 | 7,384 |
| Additional noninterest expense | $619,000 | 6,155 |
| Pre-tax net operating income | $936,000 | 3,882 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $7,000 | 4,604 |
| Income before extraordinary items | $929,000 | 3,422 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $929,000 | 3,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 5,719 |
| Cash dividends | $775,000 | 2,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $929,000 | 3,576 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,562,000 | 5,681 |
| Total interest expense | $1,825,000 | 4,938 |
| Net interest income | $1,737,000 | 6,135 |
| Provision for loan and lease losses | $-9,000 | 8,267 |
| Total noninterest income | $127,000 | 6,826 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $92,000 | 5,656 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $35,000 | 6,964 |
| Total noninterest expense | $1,194,000 | 6,755 |
| Salaries and employee benefits | $712,000 | 6,559 |
| Premises and equipment expense | $94,000 | 7,426 |
| Additional noninterest expense | $388,000 | 6,536 |
| Pre-tax net operating income | $679,000 | 4,399 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $5,000 | 5,028 |
| Income before extraordinary items | $674,000 | 3,895 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $674,000 | 3,893 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,888 |
| Cash dividends | $530,000 | 2,651 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $674,000 | 4,049 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,368,000 | 5,753 |
| Total interest expense | $1,269,000 | 4,964 |
| Net interest income | $1,099,000 | 6,259 |
| Provision for loan and lease losses | $-30,000 | 8,360 |
| Total noninterest income | $84,000 | 6,882 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $61,000 | 5,679 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $23,000 | 7,064 |
| Total noninterest expense | $799,000 | 6,793 |
| Salaries and employee benefits | $478,000 | 6,593 |
| Premises and equipment expense | $65,000 | 7,424 |
| Additional noninterest expense | $256,000 | 6,592 |
| Pre-tax net operating income | $414,000 | 4,726 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $2,000 | 5,394 |
| Income before extraordinary items | $412,000 | 4,413 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $412,000 | 4,414 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,109 |
| Cash dividends | $325,000 | 2,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $412,000 | 4,356 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,200,000 | 5,803 |
| Total interest expense | $677,000 | 4,971 |
| Net interest income | $523,000 | 6,404 |
| Provision for loan and lease losses | $-34,000 | 8,411 |
| Total noninterest income | $41,000 | 6,929 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $30,000 | 5,688 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $11,000 | 7,150 |
| Total noninterest expense | $414,000 | 6,736 |
| Salaries and employee benefits | $248,000 | 6,539 |
| Premises and equipment expense | $35,000 | 7,353 |
| Additional noninterest expense | $131,000 | 6,512 |
| Pre-tax net operating income | $184,000 | 5,098 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $184,000 | 4,827 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $184,000 | 4,832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 3,138 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $184,000 | 4,712 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,885,000 | 5,776 |
| Total interest expense | $2,825,000 | 4,962 |
| Net interest income | $2,060,000 | 6,432 |
| Provision for loan and lease losses | $39,000 | 5,903 |
| Total noninterest income | $172,000 | 6,954 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $129,000 | 5,657 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $43,000 | 7,235 |
| Total noninterest expense | $1,481,000 | 6,948 |
| Salaries and employee benefits | $901,000 | 6,698 |
| Premises and equipment expense | $150,000 | 7,243 |
| Additional noninterest expense | $430,000 | 6,915 |
| Pre-tax net operating income | $712,000 | 5,415 |
| Securities gains (losses) | $-194,000 | 8,251 |
| Applicable income taxes | $1,000 | 5,973 |
| Income before extraordinary items | $517,000 | 5,620 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $517,000 | 5,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $86,000 | 3,974 |
| Cash dividends | $605,000 | 3,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $711,000 | 5,004 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,619,000 | 5,840 |
| Total interest expense | $2,089,000 | 5,000 |
| Net interest income | $1,530,000 | 6,485 |
| Provision for loan and lease losses | $15,000 | 5,999 |
| Total noninterest income | $129,000 | 6,987 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $95,000 | 5,711 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $34,000 | 7,219 |
| Total noninterest expense | $1,112,000 | 6,931 |
| Salaries and employee benefits | $689,000 | 6,637 |
| Premises and equipment expense | $116,000 | 7,191 |
| Additional noninterest expense | $307,000 | 6,998 |
| Pre-tax net operating income | $532,000 | 5,664 |
| Securities gains (losses) | $-194,000 | 8,377 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $338,000 | 6,119 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $338,000 | 6,116 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 3,750 |
| Cash dividends | $408,000 | 3,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $532,000 | 5,238 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,385,000 | 5,894 |
| Total interest expense | $1,362,000 | 5,065 |
| Net interest income | $1,023,000 | 6,531 |
| Provision for loan and lease losses | $14,000 | 5,601 |
| Total noninterest income | $87,000 | 7,013 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $64,000 | 5,719 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $23,000 | 7,240 |
| Total noninterest expense | $753,000 | 6,933 |
| Salaries and employee benefits | $466,000 | 6,646 |
| Premises and equipment expense | $81,000 | 7,134 |
| Additional noninterest expense | $206,000 | 7,012 |
| Pre-tax net operating income | $343,000 | 5,795 |
| Securities gains (losses) | $-197,000 | 8,468 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $146,000 | 6,780 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $146,000 | 6,780 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 3,861 |
| Cash dividends | $243,000 | 3,404 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $343,000 | 5,370 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,179,000 | 5,926 |
| Total interest expense | $670,000 | 5,092 |
| Net interest income | $509,000 | 6,569 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $44,000 | 7,005 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $32,000 | 5,690 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $12,000 | 7,222 |
| Total noninterest expense | $380,000 | 6,951 |
| Salaries and employee benefits | $240,000 | 6,632 |
| Premises and equipment expense | $42,000 | 7,103 |
| Additional noninterest expense | $98,000 | 7,130 |
| Pre-tax net operating income | $158,000 | 5,971 |
| Securities gains (losses) | $-197,000 | 8,584 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $-39,000 | 8,020 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $-39,000 | 8,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $19,000 | 2,588 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $158,000 | 5,533 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,528,000 | 5,818 |
| Total interest expense | $2,482,000 | 4,842 |
| Net interest income | $2,046,000 | 6,508 |
| Provision for loan and lease losses | $51,000 | 5,552 |
| Total noninterest income | $178,000 | 7,099 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $123,000 | 5,855 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $55,000 | 7,154 |
| Total noninterest expense | $1,515,000 | 6,863 |
| Salaries and employee benefits | $920,000 | 6,601 |
| Premises and equipment expense | $163,000 | 7,104 |
| Additional noninterest expense | $432,000 | 6,909 |
| Pre-tax net operating income | $658,000 | 6,027 |
| Securities gains (losses) | $-4,000 | 7,017 |
| Applicable income taxes | $4,000 | 6,378 |
| Income before extraordinary items | $650,000 | 5,651 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $650,000 | 5,652 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $114,000 | 2,974 |
| Cash dividends | $616,000 | 3,406 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $653,960 | 5,623 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,337,000 | 5,883 |
| Total interest expense | $1,810,000 | 4,842 |
| Net interest income | $1,527,000 | 6,584 |
| Provision for loan and lease losses | $41,000 | 5,365 |
| Total noninterest income | $126,000 | 7,223 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $91,000 | 5,951 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $35,000 | 7,365 |
| Total noninterest expense | $1,132,000 | 6,885 |
| Salaries and employee benefits | $689,000 | 6,599 |
| Premises and equipment expense | $122,000 | 7,130 |
| Additional noninterest expense | $321,000 | 6,959 |
| Pre-tax net operating income | $480,000 | 6,298 |
| Securities gains (losses) | $-4,000 | 7,334 |
| Applicable income taxes | $3,000 | 6,487 |
| Income before extraordinary items | $473,000 | 5,882 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $473,000 | 5,883 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $80,000 | 2,609 |
| Cash dividends | $430,000 | 3,153 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $476,960 | 5,866 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,198,000 | 5,884 |
| Total interest expense | $1,198,000 | 4,721 |
| Net interest income | $1,000,000 | 6,664 |
| Provision for loan and lease losses | $34,000 | 4,919 |
| Total noninterest income | $82,000 | 7,294 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $59,000 | 6,001 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $23,000 | 7,410 |
| Total noninterest expense | $757,000 | 6,910 |
| Salaries and employee benefits | $462,000 | 6,626 |
| Premises and equipment expense | $80,000 | 7,182 |
| Additional noninterest expense | $215,000 | 6,947 |
| Pre-tax net operating income | $291,000 | 6,522 |
| Securities gains (losses) | $-4,000 | 7,633 |
| Applicable income taxes | $2,000 | 6,505 |
| Income before extraordinary items | $285,000 | 6,118 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $285,000 | 6,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $46,000 | 2,578 |
| Cash dividends | $275,000 | 3,245 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $288,960 | 6,090 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,104,000 | 5,834 |
| Total interest expense | $599,000 | 4,577 |
| Net interest income | $505,000 | 6,661 |
| Provision for loan and lease losses | $30,000 | 3,822 |
| Total noninterest income | $40,000 | 7,310 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $28,000 | 6,029 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $12,000 | 7,358 |
| Total noninterest expense | $376,000 | 6,932 |
| Salaries and employee benefits | $230,000 | 6,652 |
| Premises and equipment expense | $40,000 | 7,201 |
| Additional noninterest expense | $106,000 | 6,964 |
| Pre-tax net operating income | $139,000 | 6,554 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $139,000 | 6,114 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $139,000 | 6,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 3,455 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $139,000 | 6,112 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,216,000 | 5,672 |
| Total interest expense | $1,980,000 | 4,462 |
| Net interest income | $2,236,000 | 6,332 |
| Provision for loan and lease losses | $116,000 | 4,625 |
| Total noninterest income | $194,000 | 7,116 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $142,000 | 5,708 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $52,000 | 7,351 |
| Total noninterest expense | $1,512,000 | 6,869 |
| Salaries and employee benefits | $920,000 | 6,576 |
| Premises and equipment expense | $154,000 | 7,224 |
| Additional noninterest expense | $438,000 | 6,888 |
| Pre-tax net operating income | $802,000 | 5,865 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $1,000 | 6,850 |
| Income before extraordinary items | $801,000 | 5,334 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $801,000 | 5,339 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $192,000 | 2,343 |
| Cash dividends | $715,000 | 3,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $801,000 | 5,313 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,135,000 | 5,675 |
| Total interest expense | $1,420,000 | 4,471 |
| Net interest income | $1,715,000 | 6,315 |
| Provision for loan and lease losses | $115,000 | 3,957 |
| Total noninterest income | $150,000 | 7,087 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $111,000 | 5,669 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $39,000 | 7,368 |
| Total noninterest expense | $1,142,000 | 6,850 |
| Salaries and employee benefits | $697,000 | 6,551 |
| Premises and equipment expense | $115,000 | 7,244 |
| Additional noninterest expense | $330,000 | 6,886 |
| Pre-tax net operating income | $608,000 | 5,977 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $11,000 | 6,502 |
| Income before extraordinary items | $597,000 | 5,455 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $597,000 | 5,458 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $99,000 | 2,563 |
| Cash dividends | $485,000 | 2,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $597,000 | 5,428 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $2,015,000 | 5,725 |
| Total interest expense | $863,000 | 4,555 |
| Net interest income | $1,152,000 | 6,296 |
| Provision for loan and lease losses | $64,000 | 4,058 |
| Total noninterest income | $105,000 | 6,977 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $77,000 | 5,561 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $28,000 | 7,271 |
| Total noninterest expense | $769,000 | 6,831 |
| Salaries and employee benefits | $474,000 | 6,500 |
| Premises and equipment expense | $75,000 | 7,276 |
| Additional noninterest expense | $220,000 | 6,870 |
| Pre-tax net operating income | $424,000 | 5,835 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $7,000 | 6,523 |
| Income before extraordinary items | $417,000 | 5,339 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $417,000 | 5,341 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,029 |
| Cash dividends | $313,000 | 2,876 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $417,000 | 5,300 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $984,000 | 5,782 |
| Total interest expense | $404,000 | 4,644 |
| Net interest income | $580,000 | 6,317 |
| Provision for loan and lease losses | $26,000 | 4,356 |
| Total noninterest income | $50,000 | 7,067 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $35,000 | 5,695 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,267 |
| Total noninterest expense | $392,000 | 6,826 |
| Salaries and employee benefits | $243,000 | 6,458 |
| Premises and equipment expense | $36,000 | 7,416 |
| Additional noninterest expense | $113,000 | 6,832 |
| Pre-tax net operating income | $212,000 | 5,832 |
| Securities gains (losses) | $-5,000 | 8,378 |
| Applicable income taxes | $3,000 | 6,538 |
| Income before extraordinary items | $204,000 | 5,370 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $204,000 | 5,371 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 1,343 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $208,950 | 5,284 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $4,068,000 | 5,507 |
| Total interest expense | $1,540,000 | 4,442 |
| Net interest income | $2,528,000 | 5,968 |
| Provision for loan and lease losses | $264,000 | 3,159 |
| Total noninterest income | $208,000 | 7,083 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $146,000 | 5,834 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $62,000 | 7,147 |
| Total noninterest expense | $1,561,000 | 6,776 |
| Salaries and employee benefits | $985,000 | 6,320 |
| Premises and equipment expense | $143,000 | 7,408 |
| Additional noninterest expense | $433,000 | 6,942 |
| Pre-tax net operating income | $911,000 | 5,461 |
| Securities gains (losses) | $205,000 | 821 |
| Applicable income taxes | $12,000 | 6,712 |
| Income before extraordinary items | $1,104,000 | 4,426 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,104,000 | 4,427 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $195,000 | 2,612 |
| Cash dividends | $950,000 | 2,437 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $901,050 | 4,894 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $3,065,000 | 5,484 |
| Total interest expense | $1,137,000 | 4,452 |
| Net interest income | $1,928,000 | 5,916 |
| Provision for loan and lease losses | $251,000 | 2,563 |
| Total noninterest income | $157,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $108,000 | 5,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $49,000 | 7,081 |
| Total noninterest expense | $1,173,000 | 6,735 |
| Salaries and employee benefits | $740,000 | 6,289 |
| Premises and equipment expense | $109,000 | 7,352 |
| Additional noninterest expense | $324,000 | 6,911 |
| Pre-tax net operating income | $661,000 | 5,646 |
| Securities gains (losses) | $205,000 | 757 |
| Applicable income taxes | $18,000 | 6,571 |
| Income before extraordinary items | $848,000 | 4,446 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $848,000 | 4,447 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $169,000 | 2,128 |
| Cash dividends | $680,000 | 2,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $647,100 | 5,077 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,018,000 | 5,525 |
| Total interest expense | $738,000 | 4,527 |
| Net interest income | $1,280,000 | 5,938 |
| Provision for loan and lease losses | $219,000 | 2,051 |
| Total noninterest income | $101,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $71,000 | 5,950 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $30,000 | 7,216 |
| Total noninterest expense | $793,000 | 6,747 |
| Salaries and employee benefits | $508,000 | 6,239 |
| Premises and equipment expense | $73,000 | 7,393 |
| Additional noninterest expense | $212,000 | 6,999 |
| Pre-tax net operating income | $369,000 | 6,061 |
| Securities gains (losses) | $183,000 | 688 |
| Applicable income taxes | $10,000 | 6,651 |
| Income before extraordinary items | $542,000 | 4,517 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $542,000 | 4,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $149,000 | 1,681 |
| Cash dividends | $475,000 | 2,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $362,660 | 5,497 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,032,000 | 5,480 |
| Total interest expense | $371,000 | 4,538 |
| Net interest income | $661,000 | 5,819 |
| Provision for loan and lease losses | $141,000 | 1,609 |
| Total noninterest income | $43,000 | 7,478 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $31,000 | 6,143 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $12,000 | 7,544 |
| Total noninterest expense | $420,000 | 6,618 |
| Salaries and employee benefits | $271,000 | 6,068 |
| Premises and equipment expense | $37,000 | 7,419 |
| Additional noninterest expense | $112,000 | 6,871 |
| Pre-tax net operating income | $143,000 | 6,537 |
| Securities gains (losses) | $174,000 | 562 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $311,000 | 4,174 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $311,000 | 4,173 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 1,416 |
| Cash dividends | $76,000 | 3,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $140,480 | 6,055 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $4,412,000 | 5,309 |
| Total interest expense | $1,837,000 | 4,278 |
| Net interest income | $2,575,000 | 5,807 |
| Provision for loan and lease losses | $442,000 | 2,400 |
| Total noninterest income | $232,000 | 7,075 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $147,000 | 5,895 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $85,000 | 6,798 |
| Total noninterest expense | $1,664,000 | 6,585 |
| Salaries and employee benefits | $1,020,000 | 6,190 |
| Premises and equipment expense | $131,000 | 7,650 |
| Additional noninterest expense | $513,000 | 6,480 |
| Pre-tax net operating income | $701,000 | 6,011 |
| Securities gains (losses) | $576,000 | 685 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $1,277,000 | 3,971 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,277,000 | 3,972 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $331,000 | 2,129 |
| Cash dividends | $800,000 | 2,674 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $701,000 | 5,416 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $3,317,000 | 5,369 |
| Total interest expense | $1,427,000 | 4,287 |
| Net interest income | $1,890,000 | 5,904 |
| Provision for loan and lease losses | $354,000 | 2,245 |
| Total noninterest income | $175,000 | 7,123 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $112,000 | 5,914 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $63,000 | 6,866 |
| Total noninterest expense | $1,230,000 | 6,625 |
| Salaries and employee benefits | $745,000 | 6,256 |
| Premises and equipment expense | $99,000 | 7,650 |
| Additional noninterest expense | $386,000 | 6,447 |
| Pre-tax net operating income | $481,000 | 6,367 |
| Securities gains (losses) | $240,000 | 1,116 |
| Applicable income taxes | $13,000 | 6,978 |
| Income before extraordinary items | $708,000 | 4,973 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $708,000 | 4,973 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $270,000 | 1,830 |
| Cash dividends | $480,000 | 2,751 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $472,800 | 5,819 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,216,000 | 5,396 |
| Total interest expense | $974,000 | 4,328 |
| Net interest income | $1,242,000 | 5,961 |
| Provision for loan and lease losses | $270,000 | 1,999 |
| Total noninterest income | $112,000 | 7,187 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $73,000 | 5,939 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $39,000 | 6,988 |
| Total noninterest expense | $842,000 | 6,553 |
| Salaries and employee benefits | $502,000 | 6,245 |
| Premises and equipment expense | $69,000 | 7,580 |
| Additional noninterest expense | $271,000 | 6,287 |
| Pre-tax net operating income | $242,000 | 6,895 |
| Securities gains (losses) | $203,000 | 1,035 |
| Applicable income taxes | $21,000 | 6,569 |
| Income before extraordinary items | $424,000 | 5,258 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $424,000 | 5,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $146,000 | 2,004 |
| Cash dividends | $355,000 | 2,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $231,150 | 6,485 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,155,000 | 5,278 |
| Total interest expense | $508,000 | 4,294 |
| Net interest income | $647,000 | 5,806 |
| Provision for loan and lease losses | $159,000 | 1,626 |
| Total noninterest income | $54,000 | 7,230 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $36,000 | 5,904 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $18,000 | 7,075 |
| Total noninterest expense | $399,000 | 6,727 |
| Salaries and employee benefits | $255,000 | 6,183 |
| Premises and equipment expense | $33,000 | 7,707 |
| Additional noninterest expense | $111,000 | 6,863 |
| Pre-tax net operating income | $143,000 | 6,558 |
| Securities gains (losses) | $22,000 | 1,846 |
| Applicable income taxes | $11,000 | 6,507 |
| Income before extraordinary items | $154,000 | 5,945 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $154,000 | 5,944 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,631 |
| Cash dividends | $155,000 | 2,488 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $133,540 | 6,129 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,445,000 | 4,881 |
| Total interest expense | $2,360,000 | 4,288 |
| Net interest income | $3,085,000 | 5,196 |
| Provision for loan and lease losses | $648,000 | 1,946 |
| Total noninterest income | $218,000 | 7,131 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $152,000 | 5,808 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $66,000 | 7,179 |
| Total noninterest expense | $1,509,000 | 6,821 |
| Salaries and employee benefits | $974,000 | 6,242 |
| Premises and equipment expense | $114,000 | 7,964 |
| Additional noninterest expense | $421,000 | 7,006 |
| Pre-tax net operating income | $1,146,000 | 4,833 |
| Securities gains (losses) | $151,000 | 1,383 |
| Applicable income taxes | $35,000 | 6,751 |
| Income before extraordinary items | $1,262,000 | 3,948 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,262,000 | 3,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $548,000 | 1,559 |
| Cash dividends | $877,000 | 2,481 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,115,530 | 4,179 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,891,000 | 5,030 |
| Total interest expense | $3,500,000 | 4,207 |
| Net interest income | $2,391,000 | 5,865 |
| Provision for loan and lease losses | $131,000 | 5,041 |
| Total noninterest income | $214,000 | 7,178 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $158,000 | 5,693 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $56,000 | 7,506 |
| Total noninterest expense | $1,382,000 | 7,048 |
| Salaries and employee benefits | $885,000 | 6,436 |
| Premises and equipment expense | $111,000 | 8,127 |
| Additional noninterest expense | $386,000 | 7,261 |
| Pre-tax net operating income | $1,092,000 | 4,671 |
| Securities gains (losses) | $134,000 | 1,498 |
| Applicable income taxes | $307,000 | 4,210 |
| Income before extraordinary items | $919,000 | 4,506 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $919,000 | 4,508 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $131,000 | 3,597 |
| Cash dividends | $1,025,000 | 2,188 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $818,500 | 4,694 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,832,000 | 5,182 |
| Total interest expense | $3,883,000 | 4,063 |
| Net interest income | $1,949,000 | 6,630 |
| Provision for loan and lease losses | $34,000 | 7,119 |
| Total noninterest income | $215,000 | 7,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $153,000 | 5,714 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $62,000 | 7,420 |
| Total noninterest expense | $1,275,000 | 7,317 |
| Salaries and employee benefits | $819,000 | 6,637 |
| Premises and equipment expense | $103,000 | 8,389 |
| Additional noninterest expense | $353,000 | 7,534 |
| Pre-tax net operating income | $855,000 | 5,682 |
| Securities gains (losses) | $35,000 | 803 |
| Applicable income taxes | $182,000 | 5,577 |
| Income before extraordinary items | $708,000 | 5,392 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $708,000 | 5,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 5,720 |
| Cash dividends | $422,000 | 3,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $680,000 | 5,493 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,315,000 | 5,353 |
| Total interest expense | $3,192,000 | 4,363 |
| Net interest income | $2,123,000 | 6,424 |
| Provision for loan and lease losses | $45,000 | 6,711 |
| Total noninterest income | $229,000 | 7,154 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $166,000 | 5,590 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $63,000 | 7,632 |
| Total noninterest expense | $1,254,000 | 7,416 |
| Salaries and employee benefits | $806,000 | 6,722 |
| Premises and equipment expense | $113,000 | 8,364 |
| Additional noninterest expense | $335,000 | 7,830 |
| Pre-tax net operating income | $1,053,000 | 5,151 |
| Securities gains (losses) | $-7,000 | 9,189 |
| Applicable income taxes | $238,000 | 5,330 |
| Income before extraordinary items | $808,000 | 5,067 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $808,000 | 5,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,165 |
| Cash dividends | $428,000 | 3,795 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $813,390 | 5,009 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,026,000 | 5,660 |
| Total interest expense | $2,955,000 | 4,785 |
| Net interest income | $2,071,000 | 6,536 |
| Provision for loan and lease losses | $30,000 | 7,298 |
| Total noninterest income | $262,000 | 6,866 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $186,000 | 5,341 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 7,301 |
| Total noninterest expense | $1,227,000 | 7,466 |
| Salaries and employee benefits | $766,000 | 6,836 |
| Premises and equipment expense | $132,000 | 8,031 |
| Additional noninterest expense | $329,000 | 7,852 |
| Pre-tax net operating income | $1,076,000 | 5,197 |
| Securities gains (losses) | $59,000 | 1,620 |
| Applicable income taxes | $345,000 | 4,795 |
| Income before extraordinary items | $790,000 | 5,230 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $790,000 | 5,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,985 |
| Cash dividends | $353,000 | 4,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $748,700 | 5,299 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,585,000 | 6,145 |
| Total interest expense | $2,665,000 | 5,154 |
| Net interest income | $1,920,000 | 7,081 |
| Provision for loan and lease losses | $-11,000 | 10,618 |
| Total noninterest income | $251,000 | 7,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $190,000 | 5,493 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $61,000 | 7,985 |
| Total noninterest expense | $1,178,000 | 7,747 |
| Salaries and employee benefits | $719,000 | 7,213 |
| Premises and equipment expense | $144,000 | 7,944 |
| Additional noninterest expense | $315,000 | 8,172 |
| Pre-tax net operating income | $1,004,000 | 5,822 |
| Securities gains (losses) | $36,000 | 1,535 |
| Applicable income taxes | $309,000 | 5,641 |
| Income before extraordinary items | $731,000 | 5,757 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $731,000 | 5,760 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 7,353 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $705,800 | 5,836 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,916,000 | 6,953 |
| Total interest expense | $2,124,000 | 6,174 |
| Net interest income | $1,792,000 | 7,576 |
| Provision for loan and lease losses | $86,000 | 5,456 |
| Total noninterest income | $286,000 | 7,115 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $215,000 | 5,308 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $71,000 | 8,053 |
| Total noninterest expense | $1,168,000 | 8,075 |
| Salaries and employee benefits | $676,000 | 7,671 |
| Premises and equipment expense | $138,000 | 8,337 |
| Additional noninterest expense | $354,000 | 8,324 |
| Pre-tax net operating income | $824,000 | 6,405 |
| Securities gains (losses) | $12,000 | 2,365 |
| Applicable income taxes | $262,000 | 6,289 |
| Income before extraordinary items | $574,000 | 6,438 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $574,000 | 6,441 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $72,000 | 4,581 |
| Cash dividends | $119,000 | 6,432 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $565,720 | 6,404 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,438,000 | 7,630 |
| Total interest expense | $1,896,000 | 6,691 |
| Net interest income | $1,542,000 | 8,420 |
| Provision for loan and lease losses | $45,000 | 6,418 |
| Total noninterest income | $261,000 | 7,565 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $202,000 | 5,657 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $59,000 | 8,803 |
| Total noninterest expense | $1,130,000 | 8,466 |
| Salaries and employee benefits | $633,000 | 8,162 |
| Premises and equipment expense | $134,000 | 8,673 |
| Additional noninterest expense | $363,000 | 8,565 |
| Pre-tax net operating income | $628,000 | 7,716 |
| Securities gains (losses) | $49,000 | 1,312 |
| Applicable income taxes | $173,000 | 7,875 |
| Income before extraordinary items | $504,000 | 7,223 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $504,000 | 7,223 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 4,321 |
| Cash dividends | $186,000 | 5,676 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $467,740 | 7,468 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $3,074,000 | 7,929 |
| Total interest expense | $1,397,000 | 7,213 |
| Net interest income | $1,677,000 | 8,364 |
| Provision for loan and lease losses | $76,000 | 5,132 |
| Total noninterest income | $258,000 | 7,831 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,695 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $49,000 | 9,662 |
| Total noninterest expense | $1,181,000 | 8,686 |
| Salaries and employee benefits | $607,000 | 8,563 |
| Premises and equipment expense | $139,000 | 8,849 |
| Additional noninterest expense | $435,000 | 8,476 |
| Pre-tax net operating income | $678,000 | 7,533 |
| Securities gains (losses) | $20,000 | 1,779 |
| Applicable income taxes | $194,000 | 7,444 |
| Income before extraordinary items | $504,000 | 7,279 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $504,000 | 7,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $81,000 | 4,134 |
| Cash dividends | $287,000 | 4,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $489,600 | 7,434 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,817,000 | 8,638 |
| Total interest expense | $1,191,000 | 8,287 |
| Net interest income | $1,626,000 | 8,726 |
| Provision for loan and lease losses | $64,000 | 6,841 |
| Total noninterest income | $278,000 | 7,960 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $64,000 | 9,332 |
| Total noninterest expense | $1,130,000 | 9,203 |
| Salaries and employee benefits | $593,000 | 8,859 |
| Premises and equipment expense | $148,000 | 8,964 |
| Additional noninterest expense | $389,000 | 9,379 |
| Pre-tax net operating income | $710,000 | 7,310 |
| Securities gains (losses) | $34,000 | 3,940 |
| Applicable income taxes | $224,000 | 7,193 |
| Income before extraordinary items | $520,000 | 7,389 |
| Extraordinary gains, net | $-17,000 | 12,417 |
| Net income | $503,000 | 7,713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 5,491 |
| Cash dividends | $383,000 | 3,797 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $496,200 | 7,336 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,731,000 | 9,474 |
| Total interest expense | $1,337,000 | 9,096 |
| Net interest income | $1,394,000 | 9,639 |
| Provision for loan and lease losses | $50,000 | 9,026 |
| Total noninterest income | $264,000 | 8,273 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $209,000 | 5,819 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $55,000 | 10,088 |
| Total noninterest expense | $1,037,000 | 9,821 |
| Salaries and employee benefits | $532,000 | 9,460 |
| Premises and equipment expense | $157,000 | 8,918 |
| Additional noninterest expense | $348,000 | 10,214 |
| Pre-tax net operating income | $571,000 | 7,919 |
| Securities gains (losses) | $40,000 | 4,499 |
| Applicable income taxes | $178,000 | 8,017 |
| Income before extraordinary items | $433,000 | 7,904 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $433,000 | 8,024 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 5,774 |
| Cash dividends | $71,000 | 7,223 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $404,600 | 7,814 |
* 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.