Home > First National Bank of Georgia > Income and Expense
First National Bank of Georgia, Income and Expense
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $37,773,000 | 892 |
| Total interest expense | $21,171,000 | 535 |
| Net interest income | $16,602,000 | 1,340 |
| Provision for loan and lease losses | $44,631,000 | 268 |
| Total noninterest income | $-5,340,000 | 7,996 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $5,402,000 | 320 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $-10,742,000 | 8,011 |
| Total noninterest expense | $29,830,000 | 705 |
| Salaries and employee benefits | $11,772,000 | 829 |
| Premises and equipment expense | $3,496,000 | 774 |
| Additional noninterest expense | $14,562,000 | 570 |
| Pre-tax net operating income | $-63,199,000 | 7,887 |
| Securities gains (losses) | $-5,411,000 | 7,898 |
| Applicable income taxes | $-1,969,000 | 7,514 |
| Income before extraordinary items | $-66,641,000 | 7,902 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-66,641,000 | 7,901 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-66,641,000 | 7,901 |
| Net charge-offs | $31,466,000 | 279 |
| Cash dividends | $0 | 4,670 |
| Sale, conversion, retirement of capital stock, net | $157,000 | 773 |
| Net operating income | $-61,392,330 | 7,895 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $28,970,000 | 884 |
| Total interest expense | $16,207,000 | 558 |
| Net interest income | $12,763,000 | 1,309 |
| Provision for loan and lease losses | $30,704,000 | 287 |
| Total noninterest income | $-3,435,000 | 8,077 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $4,012,000 | 324 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $-7,447,000 | 8,098 |
| Total noninterest expense | $22,824,000 | 693 |
| Salaries and employee benefits | $9,221,000 | 804 |
| Premises and equipment expense | $2,696,000 | 759 |
| Additional noninterest expense | $10,907,000 | 548 |
| Pre-tax net operating income | $-44,200,000 | 7,968 |
| Securities gains (losses) | $-5,400,000 | 8,009 |
| Applicable income taxes | $4,027,000 | 258 |
| Income before extraordinary items | $-53,627,000 | 7,996 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $-53,627,000 | 7,995 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $-53,627,000 | 7,995 |
| Net charge-offs | $22,795,000 | 270 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $117,000 | 702 |
| Net operating income | $-48,227,000 | 7,985 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $19,604,000 | 893 |
| Total interest expense | $11,070,000 | 574 |
| Net interest income | $8,534,000 | 1,302 |
| Provision for loan and lease losses | $26,047,000 | 244 |
| Total noninterest income | $-2,718,000 | 8,171 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $2,604,000 | 327 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $-5,322,000 | 8,185 |
| Total noninterest expense | $14,642,000 | 723 |
| Salaries and employee benefits | $6,281,000 | 810 |
| Premises and equipment expense | $1,817,000 | 772 |
| Additional noninterest expense | $6,544,000 | 608 |
| Pre-tax net operating income | $-34,873,000 | 8,070 |
| Securities gains (losses) | $-3,484,000 | 8,100 |
| Applicable income taxes | $4,027,000 | 200 |
| Income before extraordinary items | $-42,384,000 | 8,102 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-42,384,000 | 8,101 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-42,384,000 | 8,101 |
| Net charge-offs | $15,868,000 | 280 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $79,000 | 672 |
| Net operating income | $-38,900,000 | 8,089 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $10,157,000 | 868 |
| Total interest expense | $5,643,000 | 587 |
| Net interest income | $4,514,000 | 1,226 |
| Provision for loan and lease losses | $3,950,000 | 482 |
| Total noninterest income | $448,000 | 2,304 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $1,288,000 | 324 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $-840,000 | 8,212 |
| Total noninterest expense | $6,301,000 | 802 |
| Salaries and employee benefits | $3,179,000 | 797 |
| Premises and equipment expense | $931,000 | 765 |
| Additional noninterest expense | $2,191,000 | 771 |
| Pre-tax net operating income | $-5,289,000 | 8,039 |
| Securities gains (losses) | $409,000 | 407 |
| Applicable income taxes | $-2,053,000 | 8,091 |
| Income before extraordinary items | $-2,827,000 | 7,967 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-2,827,000 | 7,968 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-2,827,000 | 7,968 |
| Net charge-offs | $3,103,000 | 442 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $39,000 | 567 |
| Net operating income | $-3,088,760 | 7,983 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $48,051,000 | 770 |
| Total interest expense | $24,988,000 | 638 |
| Net interest income | $23,063,000 | 925 |
| Provision for loan and lease losses | $14,900,000 | 452 |
| Total noninterest income | $7,183,000 | 780 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $6,256,000 | 286 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $927,000 | 2,242 |
| Total noninterest expense | $52,308,000 | 418 |
| Salaries and employee benefits | $14,650,000 | 667 |
| Premises and equipment expense | $3,962,000 | 695 |
| Additional noninterest expense | $33,696,000 | 278 |
| Pre-tax net operating income | $-36,962,000 | 8,175 |
| Securities gains (losses) | $435,000 | 425 |
| Applicable income taxes | $-6,393,000 | 8,142 |
| Income before extraordinary items | $-30,134,000 | 8,144 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-30,134,000 | 8,144 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,082,000 | 293 |
| Cash dividends | $2,108,000 | 1,276 |
| Sale, conversion, retirement of capital stock, net | $10,622,000 | 151 |
| Net operating income | $-30,490,700 | 8,161 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $37,504,000 | 767 |
| Total interest expense | $18,959,000 | 661 |
| Net interest income | $18,545,000 | 877 |
| Provision for loan and lease losses | $10,250,000 | 397 |
| Total noninterest income | $5,449,000 | 810 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $4,720,000 | 293 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $729,000 | 2,259 |
| Total noninterest expense | $20,263,000 | 729 |
| Salaries and employee benefits | $10,787,000 | 702 |
| Premises and equipment expense | $2,998,000 | 692 |
| Additional noninterest expense | $6,478,000 | 726 |
| Pre-tax net operating income | $-6,519,000 | 8,173 |
| Securities gains (losses) | $435,000 | 351 |
| Applicable income taxes | $-3,224,000 | 8,234 |
| Income before extraordinary items | $-2,860,000 | 7,996 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-2,860,000 | 7,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,481,000 | 373 |
| Cash dividends | $2,108,000 | 964 |
| Sale, conversion, retirement of capital stock, net | $9,464,000 | 112 |
| Net operating income | $-3,138,400 | 8,085 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $25,707,000 | 754 |
| Total interest expense | $12,789,000 | 670 |
| Net interest income | $12,918,000 | 841 |
| Provision for loan and lease losses | $8,850,000 | 301 |
| Total noninterest income | $4,838,000 | 650 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $3,074,000 | 290 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,764,000 | 923 |
| Total noninterest expense | $13,454,000 | 728 |
| Salaries and employee benefits | $7,205,000 | 699 |
| Premises and equipment expense | $2,048,000 | 681 |
| Additional noninterest expense | $4,201,000 | 719 |
| Pre-tax net operating income | $-4,548,000 | 8,283 |
| Securities gains (losses) | $106,000 | 926 |
| Applicable income taxes | $-2,281,000 | 8,343 |
| Income before extraordinary items | $-2,161,000 | 8,230 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-2,161,000 | 8,229 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,905,000 | 366 |
| Cash dividends | $2,108,000 | 750 |
| Sale, conversion, retirement of capital stock, net | $98,000 | 590 |
| Net operating income | $-2,228,840 | 8,224 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $14,076,000 | 715 |
| Total interest expense | $6,663,000 | 685 |
| Net interest income | $7,413,000 | 737 |
| Provision for loan and lease losses | $750,000 | 753 |
| Total noninterest income | $2,387,000 | 660 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $1,539,000 | 289 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $848,000 | 956 |
| Total noninterest expense | $6,536,000 | 732 |
| Salaries and employee benefits | $3,626,000 | 697 |
| Premises and equipment expense | $1,023,000 | 687 |
| Additional noninterest expense | $1,887,000 | 771 |
| Pre-tax net operating income | $2,514,000 | 753 |
| Securities gains (losses) | $47,000 | 1,120 |
| Applicable income taxes | $585,000 | 887 |
| Income before extraordinary items | $1,976,000 | 768 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,976,000 | 769 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 2,966 |
| Cash dividends | $1,272,000 | 597 |
| Sale, conversion, retirement of capital stock, net | $51,000 | 472 |
| Net operating income | $1,939,810 | 742 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $55,617,000 | 745 |
| Total interest expense | $26,796,000 | 730 |
| Net interest income | $28,821,000 | 761 |
| Provision for loan and lease losses | $10,206,000 | 248 |
| Total noninterest income | $8,048,000 | 740 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $5,364,000 | 334 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $2,684,000 | 1,097 |
| Total noninterest expense | $23,307,000 | 789 |
| Salaries and employee benefits | $13,906,000 | 695 |
| Premises and equipment expense | $3,300,000 | 808 |
| Additional noninterest expense | $6,101,000 | 922 |
| Pre-tax net operating income | $3,356,000 | 2,261 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $133,000 | 4,244 |
| Income before extraordinary items | $3,223,000 | 1,923 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,223,000 | 1,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,060,000 | 315 |
| Cash dividends | $4,961,000 | 758 |
| Sale, conversion, retirement of capital stock, net | $178,000 | 789 |
| Net operating income | $3,223,000 | 1,910 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $40,447,000 | 772 |
| Total interest expense | $19,001,000 | 777 |
| Net interest income | $21,446,000 | 773 |
| Provision for loan and lease losses | $1,500,000 | 650 |
| Total noninterest income | $6,175,000 | 723 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $3,631,000 | 356 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,544,000 | 930 |
| Total noninterest expense | $16,379,000 | 843 |
| Salaries and employee benefits | $9,942,000 | 731 |
| Premises and equipment expense | $2,288,000 | 861 |
| Additional noninterest expense | $4,149,000 | 1,001 |
| Pre-tax net operating income | $9,742,000 | 716 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,119,000 | 679 |
| Income before extraordinary items | $6,623,000 | 793 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,623,000 | 791 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,077,000 | 621 |
| Cash dividends | $3,689,000 | 736 |
| Sale, conversion, retirement of capital stock, net | $131,000 | 700 |
| Net operating income | $6,623,000 | 782 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $24,116,000 | 875 |
| Total interest expense | $11,344,000 | 878 |
| Net interest income | $12,772,000 | 875 |
| Provision for loan and lease losses | $750,000 | 740 |
| Total noninterest income | $3,530,000 | 849 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $1,965,000 | 441 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,565,000 | 1,016 |
| Total noninterest expense | $9,385,000 | 1,005 |
| Salaries and employee benefits | $5,810,000 | 870 |
| Premises and equipment expense | $1,307,000 | 996 |
| Additional noninterest expense | $2,268,000 | 1,224 |
| Pre-tax net operating income | $6,167,000 | 780 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,004,000 | 728 |
| Income before extraordinary items | $4,163,000 | 877 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,163,000 | 876 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 1,823 |
| Cash dividends | $2,217,000 | 806 |
| Sale, conversion, retirement of capital stock, net | $85,000 | 639 |
| Net operating income | $4,163,000 | 868 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $11,840,000 | 884 |
| Total interest expense | $5,619,000 | 876 |
| Net interest income | $6,221,000 | 897 |
| Provision for loan and lease losses | $375,000 | 658 |
| Total noninterest income | $1,733,000 | 841 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $955,000 | 435 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $778,000 | 1,010 |
| Total noninterest expense | $4,667,000 | 1,005 |
| Salaries and employee benefits | $2,878,000 | 888 |
| Premises and equipment expense | $662,000 | 997 |
| Additional noninterest expense | $1,127,000 | 1,210 |
| Pre-tax net operating income | $2,912,000 | 818 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $953,000 | 766 |
| Income before extraordinary items | $1,959,000 | 902 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $1,959,000 | 901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $115,000 | 1,073 |
| Cash dividends | $984,000 | 837 |
| Sale, conversion, retirement of capital stock, net | $40,000 | 537 |
| Net operating income | $1,959,000 | 891 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $41,866,000 | 929 |
| Total interest expense | $18,728,000 | 891 |
| Net interest income | $23,138,000 | 959 |
| Provision for loan and lease losses | $1,465,000 | 726 |
| Total noninterest income | $6,399,000 | 891 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $4,089,000 | 418 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $2,310,000 | 1,212 |
| Total noninterest expense | $16,484,000 | 1,094 |
| Salaries and employee benefits | $9,925,000 | 970 |
| Premises and equipment expense | $2,365,000 | 1,068 |
| Additional noninterest expense | $4,194,000 | 1,273 |
| Pre-tax net operating income | $11,588,000 | 859 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $3,459,000 | 839 |
| Income before extraordinary items | $8,129,000 | 924 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,129,000 | 924 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,043,000 | 657 |
| Cash dividends | $3,602,000 | 945 |
| Sale, conversion, retirement of capital stock, net | $129,000 | 844 |
| Net operating income | $8,129,000 | 904 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $30,428,000 | 959 |
| Total interest expense | $13,366,000 | 916 |
| Net interest income | $17,062,000 | 995 |
| Provision for loan and lease losses | $1,090,000 | 702 |
| Total noninterest income | $4,546,000 | 948 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $3,061,000 | 424 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,485,000 | 1,370 |
| Total noninterest expense | $12,240,000 | 1,111 |
| Salaries and employee benefits | $7,361,000 | 993 |
| Premises and equipment expense | $1,753,000 | 1,089 |
| Additional noninterest expense | $3,126,000 | 1,283 |
| Pre-tax net operating income | $8,278,000 | 938 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $2,537,000 | 896 |
| Income before extraordinary items | $5,741,000 | 1,012 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $5,741,000 | 1,011 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,010,000 | 459 |
| Cash dividends | $2,649,000 | 915 |
| Sale, conversion, retirement of capital stock, net | $96,000 | 711 |
| Net operating income | $5,741,000 | 998 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $19,564,000 | 979 |
| Total interest expense | $8,476,000 | 911 |
| Net interest income | $11,088,000 | 1,029 |
| Provision for loan and lease losses | $715,000 | 705 |
| Total noninterest income | $2,930,000 | 963 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $2,014,000 | 424 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $916,000 | 1,452 |
| Total noninterest expense | $7,924,000 | 1,152 |
| Salaries and employee benefits | $4,788,000 | 1,025 |
| Premises and equipment expense | $1,146,000 | 1,113 |
| Additional noninterest expense | $1,990,000 | 1,345 |
| Pre-tax net operating income | $5,379,000 | 956 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $1,684,000 | 901 |
| Income before extraordinary items | $3,695,000 | 1,041 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,695,000 | 1,042 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $925,000 | 363 |
| Cash dividends | $1,731,000 | 930 |
| Sale, conversion, retirement of capital stock, net | $64,000 | 604 |
| Net operating income | $3,695,000 | 1,024 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $9,397,000 | 988 |
| Total interest expense | $4,032,000 | 904 |
| Net interest income | $5,365,000 | 1,055 |
| Provision for loan and lease losses | $300,000 | 761 |
| Total noninterest income | $1,426,000 | 971 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $983,000 | 418 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $443,000 | 1,465 |
| Total noninterest expense | $3,879,000 | 1,175 |
| Salaries and employee benefits | $2,362,000 | 1,039 |
| Premises and equipment expense | $547,000 | 1,180 |
| Additional noninterest expense | $970,000 | 1,354 |
| Pre-tax net operating income | $2,612,000 | 962 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $847,000 | 895 |
| Income before extraordinary items | $1,765,000 | 1,067 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,765,000 | 1,066 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,443 |
| Cash dividends | $849,000 | 864 |
| Sale, conversion, retirement of capital stock, net | $32,000 | 451 |
| Net operating income | $1,765,000 | 1,050 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $32,259,000 | 1,019 |
| Total interest expense | $12,584,000 | 890 |
| Net interest income | $19,675,000 | 1,101 |
| Provision for loan and lease losses | $1,550,000 | 686 |
| Total noninterest income | $5,757,000 | 972 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $4,092,000 | 413 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,665,000 | 1,539 |
| Total noninterest expense | $14,443,000 | 1,205 |
| Salaries and employee benefits | $8,702,000 | 1,063 |
| Premises and equipment expense | $2,090,000 | 1,180 |
| Additional noninterest expense | $3,651,000 | 1,403 |
| Pre-tax net operating income | $9,439,000 | 1,031 |
| Securities gains (losses) | $228,000 | 468 |
| Applicable income taxes | $2,889,000 | 983 |
| Income before extraordinary items | $6,778,000 | 1,064 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $6,778,000 | 1,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $303,000 | 1,720 |
| Cash dividends | $3,059,000 | 1,003 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $6,618,400 | 1,079 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $23,260,000 | 1,029 |
| Total interest expense | $8,767,000 | 900 |
| Net interest income | $14,493,000 | 1,109 |
| Provision for loan and lease losses | $1,250,000 | 617 |
| Total noninterest income | $4,280,000 | 988 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,026,000 | 421 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,254,000 | 1,539 |
| Total noninterest expense | $10,791,000 | 1,197 |
| Salaries and employee benefits | $6,524,000 | 1,054 |
| Premises and equipment expense | $1,578,000 | 1,152 |
| Additional noninterest expense | $2,689,000 | 1,414 |
| Pre-tax net operating income | $6,732,000 | 1,072 |
| Securities gains (losses) | $228,000 | 443 |
| Applicable income taxes | $2,053,000 | 1,040 |
| Income before extraordinary items | $4,907,000 | 1,099 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $4,907,000 | 1,099 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $269,000 | 1,361 |
| Cash dividends | $2,244,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $4,745,120 | 1,123 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $14,811,000 | 1,049 |
| Total interest expense | $5,316,000 | 928 |
| Net interest income | $9,495,000 | 1,109 |
| Provision for loan and lease losses | $800,000 | 633 |
| Total noninterest income | $2,796,000 | 986 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $1,977,000 | 418 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $819,000 | 1,547 |
| Total noninterest expense | $7,078,000 | 1,195 |
| Salaries and employee benefits | $4,292,000 | 1,062 |
| Premises and equipment expense | $1,057,000 | 1,134 |
| Additional noninterest expense | $1,729,000 | 1,442 |
| Pre-tax net operating income | $4,413,000 | 1,075 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $1,290,000 | 1,080 |
| Income before extraordinary items | $3,123,000 | 1,125 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,123,000 | 1,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $29,000 | 3,383 |
| Cash dividends | $1,463,000 | 958 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,123,000 | 1,102 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $7,007,000 | 1,085 |
| Total interest expense | $2,372,000 | 984 |
| Net interest income | $4,635,000 | 1,130 |
| Provision for loan and lease losses | $300,000 | 755 |
| Total noninterest income | $1,338,000 | 997 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $929,000 | 430 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $409,000 | 1,528 |
| Total noninterest expense | $3,502,000 | 1,207 |
| Salaries and employee benefits | $2,099,000 | 1,088 |
| Premises and equipment expense | $530,000 | 1,136 |
| Additional noninterest expense | $873,000 | 1,430 |
| Pre-tax net operating income | $2,171,000 | 1,067 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $621,000 | 1,110 |
| Income before extraordinary items | $1,550,000 | 1,112 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,550,000 | 1,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 2,124 |
| Cash dividends | $715,000 | 898 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,550,000 | 1,086 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $25,105,000 | 1,126 |
| Total interest expense | $7,570,000 | 1,069 |
| Net interest income | $17,535,000 | 1,154 |
| Provision for loan and lease losses | $925,000 | 1,122 |
| Total noninterest income | $5,643,000 | 978 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $4,003,000 | 442 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $1,640,000 | 1,530 |
| Total noninterest expense | $13,628,000 | 1,197 |
| Salaries and employee benefits | $8,125,000 | 1,063 |
| Premises and equipment expense | $1,907,000 | 1,197 |
| Additional noninterest expense | $3,596,000 | 1,384 |
| Pre-tax net operating income | $8,625,000 | 1,015 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $2,682,000 | 980 |
| Income before extraordinary items | $5,943,000 | 1,091 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,943,000 | 1,092 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $324,000 | 1,880 |
| Cash dividends | $2,564,000 | 1,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,943,000 | 1,068 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $18,347,000 | 1,140 |
| Total interest expense | $5,485,000 | 1,088 |
| Net interest income | $12,862,000 | 1,157 |
| Provision for loan and lease losses | $625,000 | 1,197 |
| Total noninterest income | $4,219,000 | 993 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $2,993,000 | 450 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,226,000 | 1,539 |
| Total noninterest expense | $10,319,000 | 1,182 |
| Salaries and employee benefits | $6,120,000 | 1,049 |
| Premises and equipment expense | $1,435,000 | 1,199 |
| Additional noninterest expense | $2,764,000 | 1,339 |
| Pre-tax net operating income | $6,137,000 | 1,079 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $1,883,000 | 1,065 |
| Income before extraordinary items | $4,254,000 | 1,165 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,254,000 | 1,166 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 3,548 |
| Cash dividends | $1,883,000 | 1,045 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $4,254,000 | 1,120 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $11,980,000 | 1,148 |
| Total interest expense | $3,572,000 | 1,102 |
| Net interest income | $8,408,000 | 1,181 |
| Provision for loan and lease losses | $350,000 | 1,369 |
| Total noninterest income | $2,752,000 | 999 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $1,953,000 | 457 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $799,000 | 1,554 |
| Total noninterest expense | $6,936,000 | 1,168 |
| Salaries and employee benefits | $4,045,000 | 1,060 |
| Premises and equipment expense | $972,000 | 1,193 |
| Additional noninterest expense | $1,919,000 | 1,270 |
| Pre-tax net operating income | $3,874,000 | 1,114 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $1,139,000 | 1,153 |
| Income before extraordinary items | $2,735,000 | 1,202 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,735,000 | 1,203 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,762 |
| Cash dividends | $1,232,000 | 1,066 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,735,000 | 1,154 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $5,874,000 | 1,183 |
| Total interest expense | $1,753,000 | 1,142 |
| Net interest income | $4,121,000 | 1,198 |
| Provision for loan and lease losses | $150,000 | 1,414 |
| Total noninterest income | $1,364,000 | 987 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $954,000 | 454 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $410,000 | 1,511 |
| Total noninterest expense | $3,430,000 | 1,181 |
| Salaries and employee benefits | $1,950,000 | 1,116 |
| Premises and equipment expense | $493,000 | 1,191 |
| Additional noninterest expense | $987,000 | 1,222 |
| Pre-tax net operating income | $1,905,000 | 1,117 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $601,000 | 1,116 |
| Income before extraordinary items | $1,304,000 | 1,246 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,304,000 | 1,246 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 3,994 |
| Cash dividends | $604,000 | 1,014 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,304,000 | 1,179 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $23,495,000 | 1,214 |
| Total interest expense | $7,528,000 | 1,185 |
| Net interest income | $15,967,000 | 1,210 |
| Provision for loan and lease losses | $350,000 | 2,851 |
| Total noninterest income | $5,581,000 | 1,043 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $3,661,000 | 467 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $1,920,000 | 1,511 |
| Total noninterest expense | $12,726,000 | 1,271 |
| Salaries and employee benefits | $7,626,000 | 1,108 |
| Premises and equipment expense | $1,810,000 | 1,252 |
| Additional noninterest expense | $3,290,000 | 1,501 |
| Pre-tax net operating income | $8,472,000 | 991 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $2,680,000 | 1,010 |
| Income before extraordinary items | $5,792,000 | 1,115 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $5,792,000 | 1,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $643,000 | 1,310 |
| Cash dividends | $2,217,000 | 1,271 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,792,000 | 1,051 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $17,729,000 | 1,236 |
| Total interest expense | $5,745,000 | 1,214 |
| Net interest income | $11,984,000 | 1,218 |
| Provision for loan and lease losses | $225,000 | 3,052 |
| Total noninterest income | $4,210,000 | 1,073 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $2,695,000 | 484 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,515,000 | 1,526 |
| Total noninterest expense | $9,632,000 | 1,270 |
| Salaries and employee benefits | $5,759,000 | 1,103 |
| Premises and equipment expense | $1,340,000 | 1,278 |
| Additional noninterest expense | $2,533,000 | 1,454 |
| Pre-tax net operating income | $6,337,000 | 1,027 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $2,015,000 | 1,056 |
| Income before extraordinary items | $4,322,000 | 1,158 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $4,322,000 | 1,159 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $408,000 | 1,374 |
| Cash dividends | $1,638,000 | 1,189 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $4,322,000 | 1,091 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $11,790,000 | 1,249 |
| Total interest expense | $3,928,000 | 1,222 |
| Net interest income | $7,862,000 | 1,237 |
| Provision for loan and lease losses | $150,000 | 3,000 |
| Total noninterest income | $2,819,000 | 1,049 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $1,733,000 | 501 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $1,086,000 | 1,428 |
| Total noninterest expense | $6,385,000 | 1,284 |
| Salaries and employee benefits | $3,784,000 | 1,123 |
| Premises and equipment expense | $848,000 | 1,355 |
| Additional noninterest expense | $1,753,000 | 1,412 |
| Pre-tax net operating income | $4,146,000 | 1,043 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $1,293,000 | 1,110 |
| Income before extraordinary items | $2,853,000 | 1,180 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $2,853,000 | 1,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $350,000 | 1,109 |
| Cash dividends | $1,076,000 | 1,227 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $2,853,000 | 1,091 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $5,916,000 | 1,257 |
| Total interest expense | $2,005,000 | 1,218 |
| Net interest income | $3,911,000 | 1,246 |
| Provision for loan and lease losses | $75,000 | 2,805 |
| Total noninterest income | $1,315,000 | 1,082 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $839,000 | 500 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $476,000 | 1,536 |
| Total noninterest expense | $3,175,000 | 1,271 |
| Salaries and employee benefits | $1,843,000 | 1,148 |
| Premises and equipment expense | $410,000 | 1,417 |
| Additional noninterest expense | $922,000 | 1,314 |
| Pre-tax net operating income | $1,976,000 | 1,101 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $604,000 | 1,181 |
| Income before extraordinary items | $1,372,000 | 1,208 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,372,000 | 1,207 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $363,000 | 610 |
| Cash dividends | $529,000 | 1,144 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,372,000 | 1,129 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $24,115,000 | 1,273 |
| Total interest expense | $8,864,000 | 1,265 |
| Net interest income | $15,251,000 | 1,263 |
| Provision for loan and lease losses | $425,000 | 2,696 |
| Total noninterest income | $5,386,000 | 979 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $3,198,000 | 514 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $2,188,000 | 1,236 |
| Total noninterest expense | $12,020,000 | 1,279 |
| Salaries and employee benefits | $7,129,000 | 1,121 |
| Premises and equipment expense | $1,638,000 | 1,342 |
| Additional noninterest expense | $3,253,000 | 1,465 |
| Pre-tax net operating income | $8,192,000 | 1,030 |
| Securities gains (losses) | $7,000 | 3,799 |
| Applicable income taxes | $2,643,000 | 1,035 |
| Income before extraordinary items | $5,556,000 | 1,132 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $5,556,000 | 1,132 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $353,000 | 2,124 |
| Cash dividends | $1,946,000 | 1,341 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $5,551,240 | 1,084 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $26,301,000 | 1,304 |
| Total interest expense | $12,002,000 | 1,357 |
| Net interest income | $14,299,000 | 1,245 |
| Provision for loan and lease losses | $900,000 | 1,348 |
| Total noninterest income | $4,514,000 | 1,083 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $2,840,000 | 534 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,674,000 | 1,411 |
| Total noninterest expense | $10,630,000 | 1,382 |
| Salaries and employee benefits | $6,425,000 | 1,157 |
| Premises and equipment expense | $1,479,000 | 1,459 |
| Additional noninterest expense | $2,726,000 | 1,690 |
| Pre-tax net operating income | $7,283,000 | 1,026 |
| Securities gains (losses) | $21,000 | 3,115 |
| Applicable income taxes | $2,464,000 | 991 |
| Income before extraordinary items | $4,840,000 | 1,125 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,840,000 | 1,125 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $100,000 | 4,051 |
| Cash dividends | $1,954,000 | 1,371 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,826,140 | 1,092 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $23,860,000 | 1,454 |
| Total interest expense | $10,357,000 | 1,662 |
| Net interest income | $13,503,000 | 1,301 |
| Provision for loan and lease losses | $500,000 | 1,862 |
| Total noninterest income | $2,958,000 | 1,367 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $2,083,000 | 643 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $875,000 | 2,024 |
| Total noninterest expense | $8,830,000 | 1,594 |
| Salaries and employee benefits | $5,253,000 | 1,349 |
| Premises and equipment expense | $1,457,000 | 1,424 |
| Additional noninterest expense | $2,120,000 | 2,042 |
| Pre-tax net operating income | $7,131,000 | 1,062 |
| Securities gains (losses) | $-9,000 | 8,282 |
| Applicable income taxes | $2,544,000 | 952 |
| Income before extraordinary items | $4,578,000 | 1,152 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $4,578,000 | 1,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 9,795 |
| Cash dividends | $1,721,000 | 1,509 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $4,583,760 | 1,148 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,402,000 | 1,669 |
| Total interest expense | $7,964,000 | 1,880 |
| Net interest income | $11,438,000 | 1,527 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $2,227,000 | 1,717 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $1,367,000 | 974 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $860,000 | 2,058 |
| Total noninterest expense | $7,586,000 | 1,824 |
| Salaries and employee benefits | $4,389,000 | 1,575 |
| Premises and equipment expense | $1,405,000 | 1,464 |
| Additional noninterest expense | $1,792,000 | 2,429 |
| Pre-tax net operating income | $5,779,000 | 1,323 |
| Securities gains (losses) | $14,000 | 1,577 |
| Applicable income taxes | $2,081,000 | 1,189 |
| Income before extraordinary items | $3,712,000 | 1,443 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,712,000 | 1,444 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,499 |
| Cash dividends | $2,144,000 | 1,286 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,703,040 | 1,426 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $18,301,000 | 1,767 |
| Total interest expense | $7,804,000 | 1,958 |
| Net interest income | $10,497,000 | 1,623 |
| Provision for loan and lease losses | $465,000 | 1,830 |
| Total noninterest income | $2,134,000 | 1,731 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $1,224,000 | 1,013 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $910,000 | 1,991 |
| Total noninterest expense | $6,821,000 | 1,908 |
| Salaries and employee benefits | $4,025,000 | 1,654 |
| Premises and equipment expense | $1,265,000 | 1,549 |
| Additional noninterest expense | $1,531,000 | 2,717 |
| Pre-tax net operating income | $5,345,000 | 1,405 |
| Securities gains (losses) | $38,000 | 1,949 |
| Applicable income taxes | $1,835,000 | 1,369 |
| Income before extraordinary items | $3,548,000 | 1,487 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,548,000 | 1,486 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 9,285 |
| Cash dividends | $1,915,000 | 1,387 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,522,920 | 1,437 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $16,538,000 | 1,981 |
| Total interest expense | $6,660,000 | 2,260 |
| Net interest income | $9,878,000 | 1,765 |
| Provision for loan and lease losses | $475,000 | 1,852 |
| Total noninterest income | $1,635,000 | 2,064 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $1,070,000 | 1,183 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $565,000 | 2,601 |
| Total noninterest expense | $6,396,000 | 2,020 |
| Salaries and employee benefits | $3,735,000 | 1,746 |
| Premises and equipment expense | $1,223,000 | 1,594 |
| Additional noninterest expense | $1,438,000 | 2,840 |
| Pre-tax net operating income | $4,642,000 | 1,660 |
| Securities gains (losses) | $8,000 | 2,485 |
| Applicable income taxes | $1,271,000 | 1,973 |
| Income before extraordinary items | $3,379,000 | 1,602 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,379,000 | 1,603 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $71,000 | 4,485 |
| Cash dividends | $1,286,000 | 1,803 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,373,160 | 1,564 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $14,199,000 | 2,351 |
| Total interest expense | $5,481,000 | 2,777 |
| Net interest income | $8,718,000 | 2,052 |
| Provision for loan and lease losses | $0 | 9,041 |
| Total noninterest income | $1,432,000 | 2,377 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $916,000 | 1,467 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $516,000 | 2,859 |
| Total noninterest expense | $6,050,000 | 2,271 |
| Salaries and employee benefits | $3,442,000 | 1,915 |
| Premises and equipment expense | $1,102,000 | 1,821 |
| Additional noninterest expense | $1,506,000 | 3,107 |
| Pre-tax net operating income | $4,100,000 | 1,752 |
| Securities gains (losses) | $47,000 | 1,369 |
| Applicable income taxes | $1,201,000 | 1,992 |
| Income before extraordinary items | $2,946,000 | 1,687 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $2,946,000 | 1,688 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $54,000 | 5,157 |
| Cash dividends | $714,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $2,912,630 | 1,672 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $12,645,000 | 2,649 |
| Total interest expense | $4,865,000 | 3,095 |
| Net interest income | $7,780,000 | 2,312 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $1,247,000 | 2,633 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $870,000 | 1,559 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $377,000 | 3,444 |
| Total noninterest expense | $5,511,000 | 2,467 |
| Salaries and employee benefits | $3,110,000 | 2,131 |
| Premises and equipment expense | $1,077,000 | 1,878 |
| Additional noninterest expense | $1,324,000 | 3,443 |
| Pre-tax net operating income | $3,516,000 | 2,090 |
| Securities gains (losses) | $-38,000 | 11,009 |
| Applicable income taxes | $1,077,000 | 2,230 |
| Income before extraordinary items | $2,401,000 | 2,107 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $2,401,000 | 2,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $323,000 | 1,854 |
| Cash dividends | $1,100,000 | 1,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $2,427,220 | 2,043 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,559,000 | 2,876 |
| Total interest expense | $3,739,000 | 3,270 |
| Net interest income | $6,820,000 | 2,650 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $1,128,000 | 2,848 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $815,000 | 1,659 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $313,000 | 3,967 |
| Total noninterest expense | $5,436,000 | 2,562 |
| Salaries and employee benefits | $2,956,000 | 2,258 |
| Premises and equipment expense | $1,024,000 | 1,985 |
| Additional noninterest expense | $1,456,000 | 3,402 |
| Pre-tax net operating income | $2,512,000 | 2,814 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $707,000 | 3,065 |
| Income before extraordinary items | $1,805,000 | 2,685 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $1,805,000 | 2,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-57,000 | 11,957 |
| Cash dividends | $520,000 | 3,093 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $1,805,000 | 2,699 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,303,000 | 3,001 |
| Total interest expense | $3,937,000 | 3,211 |
| Net interest income | $6,366,000 | 2,848 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $1,148,000 | 3,009 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $825,000 | 1,667 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $323,000 | 4,288 |
| Total noninterest expense | $5,149,000 | 2,779 |
| Salaries and employee benefits | $2,722,000 | 2,446 |
| Premises and equipment expense | $999,000 | 2,054 |
| Additional noninterest expense | $1,428,000 | 3,649 |
| Pre-tax net operating income | $2,365,000 | 2,847 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $652,000 | 3,336 |
| Income before extraordinary items | $1,713,000 | 2,875 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $1,713,000 | 2,970 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $175,000 | 3,386 |
| Cash dividends | $490,000 | 3,167 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,713,000 | 2,722 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $11,017,000 | 3,185 |
| Total interest expense | $4,683,000 | 3,506 |
| Net interest income | $6,334,000 | 2,886 |
| Provision for loan and lease losses | $427,000 | 3,314 |
| Total noninterest income | $1,033,000 | 3,230 |
| Gross Fiduciary activities income | $0 | 1,658 |
| Service charges on deposit accounts | $808,000 | 1,681 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $225,000 | 5,300 |
| Total noninterest expense | $4,831,000 | 2,963 |
| Salaries and employee benefits | $2,542,000 | 2,542 |
| Premises and equipment expense | $864,000 | 2,393 |
| Additional noninterest expense | $1,425,000 | 3,746 |
| Pre-tax net operating income | $2,109,000 | 2,952 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $603,000 | 3,421 |
| Income before extraordinary items | $1,506,000 | 3,068 |
| Extraordinary gains, net | $89,000 | 787 |
| Net income | $1,596,000 | 2,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $425,000 | 2,727 |
| Cash dividends | $430,000 | 3,139 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $1,506,000 | 2,835 |
* 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.