Home > First National Bank of Illinois > Income and Expense
First National Bank of Illinois, Income and Expense
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $3,098,000 | 2,021 |
| Total interest expense | $328,000 | 2,584 |
| Net interest income | $2,770,000 | 1,930 |
| Provision for loan and lease losses | $150,000 | 1,610 |
| Total noninterest income | $732,000 | 1,671 |
| Gross Fiduciary activities income | $325,000 | 404 |
| Service charges on deposit accounts | $247,000 | 1,345 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $160,000 | 3,090 |
| Total noninterest expense | $2,904,000 | 1,664 |
| Salaries and employee benefits | $1,332,000 | 1,952 |
| Premises and equipment expense | $431,000 | 1,416 |
| Additional noninterest expense | $1,141,000 | 1,431 |
| Pre-tax net operating income | $448,000 | 3,088 |
| Securities gains (losses) | $24,000 | 1,202 |
| Applicable income taxes | $136,000 | 2,097 |
| Income before extraordinary items | $336,000 | 3,354 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $336,000 | 3,354 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $336,000 | 3,356 |
| Net charge-offs | $211,000 | 1,311 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $318,960 | 3,362 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $13,498,000 | 1,947 |
| Total interest expense | $1,857,000 | 2,270 |
| Net interest income | $11,641,000 | 1,880 |
| Provision for loan and lease losses | $670,000 | 2,321 |
| Total noninterest income | $910,000 | 3,418 |
| Gross Fiduciary activities income | $1,090,000 | 433 |
| Service charges on deposit accounts | $1,032,000 | 1,386 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $-1,212,000 | 7,008 |
| Total noninterest expense | $10,755,000 | 1,784 |
| Salaries and employee benefits | $5,484,000 | 1,839 |
| Premises and equipment expense | $1,275,000 | 1,844 |
| Additional noninterest expense | $3,996,000 | 1,676 |
| Pre-tax net operating income | $1,126,000 | 3,831 |
| Securities gains (losses) | $-19,000 | 6,778 |
| Applicable income taxes | $229,000 | 2,903 |
| Income before extraordinary items | $878,000 | 4,135 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $878,000 | 4,135 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $878,000 | 4,137 |
| Net charge-offs | $1,357,000 | 1,486 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $893,010 | 3,928 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $10,250,000 | 1,959 |
| Total interest expense | $1,505,000 | 2,207 |
| Net interest income | $8,745,000 | 1,898 |
| Provision for loan and lease losses | $870,000 | 1,618 |
| Total noninterest income | $699,000 | 3,418 |
| Gross Fiduciary activities income | $717,000 | 460 |
| Service charges on deposit accounts | $755,000 | 1,419 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $-773,000 | 7,114 |
| Total noninterest expense | $7,915,000 | 1,815 |
| Salaries and employee benefits | $3,988,000 | 1,888 |
| Premises and equipment expense | $1,177,000 | 1,525 |
| Additional noninterest expense | $2,750,000 | 1,801 |
| Pre-tax net operating income | $659,000 | 4,307 |
| Securities gains (losses) | $15,000 | 2,991 |
| Applicable income taxes | $80,000 | 3,510 |
| Income before extraordinary items | $594,000 | 4,390 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $594,000 | 4,389 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $594,000 | 4,388 |
| Net charge-offs | $1,144,000 | 1,335 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $580,800 | 4,251 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $6,982,000 | 1,926 |
| Total interest expense | $1,089,000 | 2,125 |
| Net interest income | $5,893,000 | 1,879 |
| Provision for loan and lease losses | $400,000 | 2,061 |
| Total noninterest income | $47,000 | 6,481 |
| Gross Fiduciary activities income | $474,000 | 461 |
| Service charges on deposit accounts | $482,000 | 1,464 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-909,000 | 7,202 |
| Total noninterest expense | $5,222,000 | 1,840 |
| Salaries and employee benefits | $2,653,000 | 1,892 |
| Premises and equipment expense | $748,000 | 1,595 |
| Additional noninterest expense | $1,821,000 | 1,826 |
| Pre-tax net operating income | $318,000 | 4,768 |
| Securities gains (losses) | $14,000 | 2,626 |
| Applicable income taxes | $-19,000 | 6,873 |
| Income before extraordinary items | $351,000 | 4,574 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $351,000 | 4,576 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $351,000 | 4,576 |
| Net charge-offs | $507,000 | 1,754 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $337,000 | 4,448 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $3,388,000 | 1,993 |
| Total interest expense | $571,000 | 2,121 |
| Net interest income | $2,817,000 | 1,967 |
| Provision for loan and lease losses | $250,000 | 1,742 |
| Total noninterest income | $637,000 | 1,830 |
| Gross Fiduciary activities income | $237,000 | 465 |
| Service charges on deposit accounts | $238,000 | 1,467 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $162,000 | 2,963 |
| Total noninterest expense | $2,875,000 | 1,677 |
| Salaries and employee benefits | $1,326,000 | 1,894 |
| Premises and equipment expense | $435,000 | 1,373 |
| Additional noninterest expense | $1,114,000 | 1,506 |
| Pre-tax net operating income | $329,000 | 3,665 |
| Securities gains (losses) | $11,000 | 1,753 |
| Applicable income taxes | $86,000 | 2,587 |
| Income before extraordinary items | $254,000 | 3,946 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $254,000 | 3,949 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $254,000 | 3,948 |
| Net charge-offs | $253,000 | 1,638 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $245,750 | 3,862 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $14,986,000 | 1,880 |
| Total interest expense | $3,144,000 | 1,876 |
| Net interest income | $11,842,000 | 1,867 |
| Provision for loan and lease losses | $3,171,000 | 1,145 |
| Total noninterest income | $2,107,000 | 1,921 |
| Gross Fiduciary activities income | $976,000 | 404 |
| Service charges on deposit accounts | $1,050,000 | 1,414 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $81,000 | 5,519 |
| Total noninterest expense | $10,246,000 | 1,869 |
| Salaries and employee benefits | $5,171,000 | 1,889 |
| Premises and equipment expense | $1,494,000 | 1,660 |
| Additional noninterest expense | $3,581,000 | 1,881 |
| Pre-tax net operating income | $532,000 | 4,662 |
| Securities gains (losses) | $-368,000 | 7,213 |
| Applicable income taxes | $-281,000 | 6,973 |
| Income before extraordinary items | $445,000 | 4,804 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $445,000 | 4,806 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $445,000 | 4,805 |
| Net charge-offs | $4,433,000 | 884 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $3,900,000 | 174 |
| Net operating income | $813,000 | 3,790 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $11,525,000 | 1,850 |
| Total interest expense | $2,483,000 | 1,860 |
| Net interest income | $9,042,000 | 1,841 |
| Provision for loan and lease losses | $3,630,000 | 792 |
| Total noninterest income | $1,472,000 | 2,032 |
| Gross Fiduciary activities income | $676,000 | 419 |
| Service charges on deposit accounts | $791,000 | 1,404 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $5,000 | 6,748 |
| Total noninterest expense | $7,688,000 | 1,874 |
| Salaries and employee benefits | $3,897,000 | 1,884 |
| Premises and equipment expense | $1,200,000 | 1,561 |
| Additional noninterest expense | $2,591,000 | 1,952 |
| Pre-tax net operating income | $-804,000 | 6,730 |
| Securities gains (losses) | $80,000 | 1,980 |
| Applicable income taxes | $-539,000 | 7,229 |
| Income before extraordinary items | $-185,000 | 6,490 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-185,000 | 6,492 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $-185,000 | 6,492 |
| Net charge-offs | $4,020,000 | 749 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $-236,200 | 6,473 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $7,721,000 | 1,859 |
| Total interest expense | $1,731,000 | 1,842 |
| Net interest income | $5,990,000 | 1,851 |
| Provision for loan and lease losses | $2,425,000 | 797 |
| Total noninterest income | $874,000 | 2,190 |
| Gross Fiduciary activities income | $444,000 | 426 |
| Service charges on deposit accounts | $507,000 | 1,443 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $-77,000 | 7,172 |
| Total noninterest expense | $5,377,000 | 1,816 |
| Salaries and employee benefits | $2,608,000 | 1,882 |
| Premises and equipment expense | $885,000 | 1,428 |
| Additional noninterest expense | $1,884,000 | 1,816 |
| Pre-tax net operating income | $-938,000 | 6,961 |
| Securities gains (losses) | $72,000 | 1,358 |
| Applicable income taxes | $-510,000 | 7,338 |
| Income before extraordinary items | $-356,000 | 6,756 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-356,000 | 6,756 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-356,000 | 6,757 |
| Net charge-offs | $2,316,000 | 826 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-402,080 | 6,776 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $3,845,000 | 1,872 |
| Total interest expense | $905,000 | 1,826 |
| Net interest income | $2,940,000 | 1,882 |
| Provision for loan and lease losses | $1,725,000 | 583 |
| Total noninterest income | $1,032,000 | 1,189 |
| Gross Fiduciary activities income | $217,000 | 436 |
| Service charges on deposit accounts | $237,000 | 1,509 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $578,000 | 1,213 |
| Total noninterest expense | $2,667,000 | 1,843 |
| Salaries and employee benefits | $1,297,000 | 1,910 |
| Premises and equipment expense | $499,000 | 1,307 |
| Additional noninterest expense | $871,000 | 1,946 |
| Pre-tax net operating income | $-420,000 | 7,040 |
| Securities gains (losses) | $0 | 1,772 |
| Applicable income taxes | $-233,000 | 7,392 |
| Income before extraordinary items | $-187,000 | 6,864 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $-187,000 | 6,864 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $-187,000 | 6,864 |
| Net charge-offs | $1,722,000 | 600 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $-187,000 | 6,854 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $16,368,000 | 1,846 |
| Total interest expense | $4,515,000 | 1,796 |
| Net interest income | $11,853,000 | 1,853 |
| Provision for loan and lease losses | $4,440,000 | 1,249 |
| Total noninterest income | $374,000 | 5,064 |
| Gross Fiduciary activities income | $874,000 | 425 |
| Service charges on deposit accounts | $1,134,000 | 1,338 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $-1,634,000 | 7,547 |
| Total noninterest expense | $10,871,000 | 1,808 |
| Salaries and employee benefits | $5,186,000 | 1,876 |
| Premises and equipment expense | $1,961,000 | 1,316 |
| Additional noninterest expense | $3,724,000 | 1,908 |
| Pre-tax net operating income | $-3,084,000 | 6,930 |
| Securities gains (losses) | $22,000 | 3,064 |
| Applicable income taxes | $-1,410,000 | 7,389 |
| Income before extraordinary items | $-1,652,000 | 6,775 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $-1,652,000 | 6,776 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $-1,652,000 | 6,776 |
| Net charge-offs | $7,352,000 | 764 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $900,000 | 380 |
| Net operating income | $-1,666,080 | 6,753 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $12,455,000 | 1,864 |
| Total interest expense | $3,516,000 | 1,806 |
| Net interest income | $8,939,000 | 1,877 |
| Provision for loan and lease losses | $2,030,000 | 1,642 |
| Total noninterest income | $133,000 | 6,230 |
| Gross Fiduciary activities income | $669,000 | 419 |
| Service charges on deposit accounts | $883,000 | 1,325 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $-1,419,000 | 7,685 |
| Total noninterest expense | $8,313,000 | 1,767 |
| Salaries and employee benefits | $3,908,000 | 1,861 |
| Premises and equipment expense | $1,491,000 | 1,318 |
| Additional noninterest expense | $2,914,000 | 1,820 |
| Pre-tax net operating income | $-1,271,000 | 6,875 |
| Securities gains (losses) | $14,000 | 3,014 |
| Applicable income taxes | $-703,000 | 7,434 |
| Income before extraordinary items | $-554,000 | 6,692 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $-554,000 | 6,693 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $-554,000 | 6,693 |
| Net charge-offs | $6,070,000 | 682 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $900,000 | 306 |
| Net operating income | $-562,960 | 6,642 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $8,422,000 | 1,862 |
| Total interest expense | $2,427,000 | 1,817 |
| Net interest income | $5,995,000 | 1,864 |
| Provision for loan and lease losses | $600,000 | 2,565 |
| Total noninterest income | $17,000 | 7,356 |
| Gross Fiduciary activities income | $431,000 | 433 |
| Service charges on deposit accounts | $601,000 | 1,305 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $-1,015,000 | 7,764 |
| Total noninterest expense | $5,578,000 | 1,776 |
| Salaries and employee benefits | $2,593,000 | 1,887 |
| Premises and equipment expense | $1,029,000 | 1,288 |
| Additional noninterest expense | $1,956,000 | 1,798 |
| Pre-tax net operating income | $-166,000 | 6,387 |
| Securities gains (losses) | $8,000 | 2,663 |
| Applicable income taxes | $-234,000 | 7,352 |
| Income before extraordinary items | $76,000 | 5,709 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $76,000 | 5,711 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $76,000 | 5,710 |
| Net charge-offs | $1,285,000 | 1,501 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $70,880 | 5,630 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $4,357,000 | 1,836 |
| Total interest expense | $1,265,000 | 1,835 |
| Net interest income | $3,092,000 | 1,834 |
| Provision for loan and lease losses | $600,000 | 1,610 |
| Total noninterest income | $722,000 | 1,563 |
| Gross Fiduciary activities income | $216,000 | 438 |
| Service charges on deposit accounts | $294,000 | 1,331 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $212,000 | 2,307 |
| Total noninterest expense | $2,797,000 | 1,781 |
| Salaries and employee benefits | $1,309,000 | 1,904 |
| Premises and equipment expense | $492,000 | 1,383 |
| Additional noninterest expense | $996,000 | 1,754 |
| Pre-tax net operating income | $417,000 | 2,765 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $45,000 | 2,866 |
| Income before extraordinary items | $372,000 | 2,689 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $372,000 | 2,687 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $372,000 | 2,690 |
| Net charge-offs | $398,000 | 1,784 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $372,000 | 2,580 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $18,004,000 | 1,881 |
| Total interest expense | $5,921,000 | 1,946 |
| Net interest income | $12,083,000 | 1,834 |
| Provision for loan and lease losses | $5,877,000 | 1,262 |
| Total noninterest income | $2,968,000 | 1,627 |
| Gross Fiduciary activities income | $850,000 | 424 |
| Service charges on deposit accounts | $1,345,000 | 1,282 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $773,000 | 2,513 |
| Total noninterest expense | $11,196,000 | 1,822 |
| Salaries and employee benefits | $5,480,000 | 1,812 |
| Premises and equipment expense | $1,790,000 | 1,510 |
| Additional noninterest expense | $3,926,000 | 1,875 |
| Pre-tax net operating income | $-2,022,000 | 6,636 |
| Securities gains (losses) | $66,000 | 2,441 |
| Applicable income taxes | $-1,088,000 | 7,308 |
| Income before extraordinary items | $-868,000 | 6,298 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $-868,000 | 6,297 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $-868,000 | 6,297 |
| Net charge-offs | $1,891,000 | 2,099 |
| Cash dividends | $632,000 | 2,242 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $-910,240 | 6,323 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $13,582,000 | 1,909 |
| Total interest expense | $4,550,000 | 1,991 |
| Net interest income | $9,032,000 | 1,837 |
| Provision for loan and lease losses | $2,397,000 | 1,708 |
| Total noninterest income | $2,214,000 | 1,657 |
| Gross Fiduciary activities income | $666,000 | 406 |
| Service charges on deposit accounts | $1,015,000 | 1,275 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $533,000 | 2,711 |
| Total noninterest expense | $8,545,000 | 1,769 |
| Salaries and employee benefits | $4,213,000 | 1,788 |
| Premises and equipment expense | $1,303,000 | 1,581 |
| Additional noninterest expense | $3,029,000 | 1,773 |
| Pre-tax net operating income | $304,000 | 4,515 |
| Securities gains (losses) | $21,000 | 2,721 |
| Applicable income taxes | $-188,000 | 7,083 |
| Income before extraordinary items | $513,000 | 3,650 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $513,000 | 3,648 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $513,000 | 3,650 |
| Net charge-offs | $1,031,000 | 2,170 |
| Cash dividends | $450,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $492,000 | 3,629 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $9,100,000 | 1,942 |
| Total interest expense | $3,118,000 | 2,029 |
| Net interest income | $5,982,000 | 1,855 |
| Provision for loan and lease losses | $1,687,000 | 1,558 |
| Total noninterest income | $1,454,000 | 1,696 |
| Gross Fiduciary activities income | $435,000 | 417 |
| Service charges on deposit accounts | $655,000 | 1,298 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $364,000 | 2,688 |
| Total noninterest expense | $5,761,000 | 1,779 |
| Salaries and employee benefits | $2,865,000 | 1,778 |
| Premises and equipment expense | $891,000 | 1,562 |
| Additional noninterest expense | $2,005,000 | 1,807 |
| Pre-tax net operating income | $-12,000 | 5,843 |
| Securities gains (losses) | $14,000 | 2,468 |
| Applicable income taxes | $-210,000 | 7,315 |
| Income before extraordinary items | $212,000 | 4,468 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $212,000 | 4,465 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $212,000 | 4,465 |
| Net charge-offs | $782,000 | 1,863 |
| Cash dividends | $400,000 | 1,856 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $198,000 | 4,452 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $4,537,000 | 1,965 |
| Total interest expense | $1,605,000 | 2,048 |
| Net interest income | $2,932,000 | 1,882 |
| Provision for loan and lease losses | $1,037,000 | 1,153 |
| Total noninterest income | $703,000 | 1,694 |
| Gross Fiduciary activities income | $199,000 | 445 |
| Service charges on deposit accounts | $318,000 | 1,298 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $186,000 | 2,614 |
| Total noninterest expense | $2,837,000 | 1,745 |
| Salaries and employee benefits | $1,458,000 | 1,776 |
| Premises and equipment expense | $471,000 | 1,514 |
| Additional noninterest expense | $908,000 | 1,774 |
| Pre-tax net operating income | $-239,000 | 6,962 |
| Securities gains (losses) | $8,000 | 1,969 |
| Applicable income taxes | $-149,000 | 7,644 |
| Income before extraordinary items | $-82,000 | 6,765 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-82,000 | 6,766 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-82,000 | 6,766 |
| Net charge-offs | $73,000 | 3,196 |
| Cash dividends | $400,000 | 1,067 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-87,120 | 6,686 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $20,439,000 | 1,873 |
| Total interest expense | $8,746,000 | 1,822 |
| Net interest income | $11,693,000 | 1,905 |
| Provision for loan and lease losses | $2,170,000 | 1,707 |
| Total noninterest income | $2,969,000 | 1,586 |
| Gross Fiduciary activities income | $855,000 | 446 |
| Service charges on deposit accounts | $1,327,000 | 1,357 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $787,000 | 2,471 |
| Total noninterest expense | $10,705,000 | 1,814 |
| Salaries and employee benefits | $5,838,000 | 1,742 |
| Premises and equipment expense | $1,777,000 | 1,559 |
| Additional noninterest expense | $3,090,000 | 1,964 |
| Pre-tax net operating income | $1,787,000 | 2,688 |
| Securities gains (losses) | $-214,000 | 7,365 |
| Applicable income taxes | $74,000 | 3,616 |
| Income before extraordinary items | $1,499,000 | 2,519 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,499,000 | 2,518 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $506,000 | 2,782 |
| Cash dividends | $1,450,000 | 1,770 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,702,300 | 2,432 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $15,569,000 | 1,881 |
| Total interest expense | $6,923,000 | 1,817 |
| Net interest income | $8,646,000 | 1,959 |
| Provision for loan and lease losses | $335,000 | 3,364 |
| Total noninterest income | $2,273,000 | 1,611 |
| Gross Fiduciary activities income | $675,000 | 441 |
| Service charges on deposit accounts | $951,000 | 1,429 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $647,000 | 2,434 |
| Total noninterest expense | $8,104,000 | 1,783 |
| Salaries and employee benefits | $4,620,000 | 1,684 |
| Premises and equipment expense | $1,322,000 | 1,584 |
| Additional noninterest expense | $2,162,000 | 2,014 |
| Pre-tax net operating income | $2,480,000 | 1,943 |
| Securities gains (losses) | $-353,000 | 7,692 |
| Applicable income taxes | $404,000 | 2,152 |
| Income before extraordinary items | $1,723,000 | 2,042 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,723,000 | 2,041 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $384,000 | 2,264 |
| Cash dividends | $1,050,000 | 1,727 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $2,008,930 | 1,867 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $10,486,000 | 1,894 |
| Total interest expense | $4,927,000 | 1,796 |
| Net interest income | $5,559,000 | 2,004 |
| Provision for loan and lease losses | $210,000 | 3,064 |
| Total noninterest income | $1,459,000 | 1,687 |
| Gross Fiduciary activities income | $436,000 | 453 |
| Service charges on deposit accounts | $589,000 | 1,513 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $434,000 | 2,456 |
| Total noninterest expense | $5,460,000 | 1,769 |
| Salaries and employee benefits | $3,098,000 | 1,685 |
| Premises and equipment expense | $908,000 | 1,534 |
| Additional noninterest expense | $1,454,000 | 1,976 |
| Pre-tax net operating income | $1,348,000 | 2,397 |
| Securities gains (losses) | $97,000 | 990 |
| Applicable income taxes | $241,000 | 2,474 |
| Income before extraordinary items | $1,204,000 | 2,189 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,204,000 | 2,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,838 |
| Cash dividends | $700,000 | 1,851 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $1,123,490 | 2,289 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $5,382,000 | 1,901 |
| Total interest expense | $2,686,000 | 1,750 |
| Net interest income | $2,696,000 | 2,066 |
| Provision for loan and lease losses | $105,000 | 2,634 |
| Total noninterest income | $708,000 | 1,732 |
| Gross Fiduciary activities income | $209,000 | 472 |
| Service charges on deposit accounts | $281,000 | 1,561 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $218,000 | 2,449 |
| Total noninterest expense | $2,733,000 | 1,759 |
| Salaries and employee benefits | $1,537,000 | 1,710 |
| Premises and equipment expense | $463,000 | 1,507 |
| Additional noninterest expense | $733,000 | 1,922 |
| Pre-tax net operating income | $566,000 | 2,831 |
| Securities gains (losses) | $82,000 | 816 |
| Applicable income taxes | $92,000 | 2,892 |
| Income before extraordinary items | $556,000 | 2,464 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $556,000 | 2,466 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 1,908 |
| Cash dividends | $350,000 | 1,724 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $485,480 | 2,680 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $22,554,000 | 1,877 |
| Total interest expense | $11,090,000 | 1,796 |
| Net interest income | $11,464,000 | 1,984 |
| Provision for loan and lease losses | $275,000 | 3,345 |
| Total noninterest income | $2,999,000 | 1,641 |
| Gross Fiduciary activities income | $849,000 | 465 |
| Service charges on deposit accounts | $1,235,000 | 1,456 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $915,000 | 2,352 |
| Total noninterest expense | $10,534,000 | 1,760 |
| Salaries and employee benefits | $5,670,000 | 1,778 |
| Premises and equipment expense | $1,726,000 | 1,538 |
| Additional noninterest expense | $3,138,000 | 1,759 |
| Pre-tax net operating income | $3,654,000 | 2,133 |
| Securities gains (losses) | $49,000 | 798 |
| Applicable income taxes | $653,000 | 2,392 |
| Income before extraordinary items | $3,050,000 | 2,018 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,050,000 | 2,017 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $304,000 | 2,270 |
| Cash dividends | $2,720,000 | 1,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $3,009,820 | 2,029 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $16,718,000 | 1,898 |
| Total interest expense | $8,148,000 | 1,822 |
| Net interest income | $8,570,000 | 2,004 |
| Provision for loan and lease losses | $200,000 | 2,996 |
| Total noninterest income | $2,181,000 | 1,682 |
| Gross Fiduciary activities income | $607,000 | 475 |
| Service charges on deposit accounts | $915,000 | 1,438 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $659,000 | 2,420 |
| Total noninterest expense | $7,916,000 | 1,737 |
| Salaries and employee benefits | $4,351,000 | 1,736 |
| Premises and equipment expense | $1,283,000 | 1,550 |
| Additional noninterest expense | $2,282,000 | 1,774 |
| Pre-tax net operating income | $2,635,000 | 2,338 |
| Securities gains (losses) | $34,000 | 713 |
| Applicable income taxes | $461,000 | 2,641 |
| Income before extraordinary items | $2,208,000 | 2,189 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $2,208,000 | 2,187 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,960 |
| Cash dividends | $1,270,000 | 1,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $2,179,780 | 2,197 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $10,998,000 | 1,942 |
| Total interest expense | $5,360,000 | 1,857 |
| Net interest income | $5,638,000 | 2,056 |
| Provision for loan and lease losses | $125,000 | 2,906 |
| Total noninterest income | $1,438,000 | 1,721 |
| Gross Fiduciary activities income | $401,000 | 480 |
| Service charges on deposit accounts | $572,000 | 1,533 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $465,000 | 2,358 |
| Total noninterest expense | $5,229,000 | 1,773 |
| Salaries and employee benefits | $2,877,000 | 1,781 |
| Premises and equipment expense | $838,000 | 1,605 |
| Additional noninterest expense | $1,514,000 | 1,794 |
| Pre-tax net operating income | $1,722,000 | 2,426 |
| Securities gains (losses) | $32,000 | 611 |
| Applicable income taxes | $302,000 | 2,726 |
| Income before extraordinary items | $1,452,000 | 2,259 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,452,000 | 2,258 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-18,000 | 7,982 |
| Cash dividends | $750,000 | 1,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,425,440 | 2,278 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $5,343,000 | 1,991 |
| Total interest expense | $2,612,000 | 1,875 |
| Net interest income | $2,731,000 | 2,119 |
| Provision for loan and lease losses | $50,000 | 3,068 |
| Total noninterest income | $672,000 | 1,786 |
| Gross Fiduciary activities income | $192,000 | 494 |
| Service charges on deposit accounts | $242,000 | 1,758 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $238,000 | 2,289 |
| Total noninterest expense | $2,595,000 | 1,783 |
| Salaries and employee benefits | $1,425,000 | 1,812 |
| Premises and equipment expense | $413,000 | 1,623 |
| Additional noninterest expense | $757,000 | 1,769 |
| Pre-tax net operating income | $758,000 | 2,651 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $110,000 | 3,142 |
| Income before extraordinary items | $648,000 | 2,484 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $648,000 | 2,484 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-26,000 | 8,219 |
| Cash dividends | $450,000 | 1,526 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $648,000 | 2,458 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $21,032,000 | 1,906 |
| Total interest expense | $9,306,000 | 1,798 |
| Net interest income | $11,726,000 | 1,979 |
| Provision for loan and lease losses | $300,000 | 2,748 |
| Total noninterest income | $2,741,000 | 1,753 |
| Gross Fiduciary activities income | $820,000 | 463 |
| Service charges on deposit accounts | $1,095,000 | 1,619 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $826,000 | 2,536 |
| Total noninterest expense | $9,766,000 | 1,822 |
| Salaries and employee benefits | $5,453,000 | 1,792 |
| Premises and equipment expense | $1,581,000 | 1,621 |
| Additional noninterest expense | $2,732,000 | 1,930 |
| Pre-tax net operating income | $4,401,000 | 2,082 |
| Securities gains (losses) | $6,000 | 1,217 |
| Applicable income taxes | $856,000 | 2,381 |
| Income before extraordinary items | $3,551,000 | 1,994 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $3,551,000 | 1,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $87,000 | 3,336 |
| Cash dividends | $2,700,000 | 1,221 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $3,546,140 | 1,982 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $15,497,000 | 1,927 |
| Total interest expense | $6,686,000 | 1,812 |
| Net interest income | $8,811,000 | 1,995 |
| Provision for loan and lease losses | $225,000 | 2,598 |
| Total noninterest income | $2,049,000 | 1,766 |
| Gross Fiduciary activities income | $600,000 | 465 |
| Service charges on deposit accounts | $824,000 | 1,617 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $625,000 | 2,511 |
| Total noninterest expense | $7,398,000 | 1,799 |
| Salaries and employee benefits | $4,088,000 | 1,801 |
| Premises and equipment expense | $1,189,000 | 1,630 |
| Additional noninterest expense | $2,121,000 | 1,829 |
| Pre-tax net operating income | $3,237,000 | 2,195 |
| Securities gains (losses) | $2,000 | 1,183 |
| Applicable income taxes | $583,000 | 2,639 |
| Income before extraordinary items | $2,656,000 | 2,045 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $2,656,000 | 2,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 2,477 |
| Cash dividends | $1,500,000 | 1,427 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $2,654,360 | 2,038 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $10,158,000 | 1,920 |
| Total interest expense | $4,269,000 | 1,804 |
| Net interest income | $5,889,000 | 1,987 |
| Provision for loan and lease losses | $150,000 | 2,563 |
| Total noninterest income | $1,369,000 | 1,767 |
| Gross Fiduciary activities income | $416,000 | 456 |
| Service charges on deposit accounts | $529,000 | 1,657 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $424,000 | 2,466 |
| Total noninterest expense | $4,990,000 | 1,784 |
| Salaries and employee benefits | $2,729,000 | 1,794 |
| Premises and equipment expense | $789,000 | 1,633 |
| Additional noninterest expense | $1,472,000 | 1,784 |
| Pre-tax net operating income | $2,118,000 | 2,215 |
| Securities gains (losses) | $2,000 | 970 |
| Applicable income taxes | $419,000 | 2,545 |
| Income before extraordinary items | $1,701,000 | 2,114 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,701,000 | 2,117 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 1,804 |
| Cash dividends | $800,000 | 1,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $1,699,400 | 2,100 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,035,000 | 1,900 |
| Total interest expense | $2,057,000 | 1,778 |
| Net interest income | $2,978,000 | 1,949 |
| Provision for loan and lease losses | $75,000 | 2,394 |
| Total noninterest income | $619,000 | 1,885 |
| Gross Fiduciary activities income | $195,000 | 480 |
| Service charges on deposit accounts | $252,000 | 1,673 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $172,000 | 2,740 |
| Total noninterest expense | $2,498,000 | 1,777 |
| Salaries and employee benefits | $1,386,000 | 1,775 |
| Premises and equipment expense | $395,000 | 1,642 |
| Additional noninterest expense | $717,000 | 1,822 |
| Pre-tax net operating income | $1,024,000 | 2,238 |
| Securities gains (losses) | $2,000 | 793 |
| Applicable income taxes | $183,000 | 2,734 |
| Income before extraordinary items | $843,000 | 2,095 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $843,000 | 2,094 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 1,517 |
| Cash dividends | $350,000 | 1,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $841,360 | 2,085 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $18,834,000 | 1,793 |
| Total interest expense | $6,535,000 | 1,742 |
| Net interest income | $12,299,000 | 1,777 |
| Provision for loan and lease losses | $300,000 | 2,799 |
| Total noninterest income | $2,613,000 | 1,808 |
| Gross Fiduciary activities income | $735,000 | 474 |
| Service charges on deposit accounts | $898,000 | 1,910 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $980,000 | 2,248 |
| Total noninterest expense | $9,972,000 | 1,706 |
| Salaries and employee benefits | $5,196,000 | 1,791 |
| Premises and equipment expense | $1,448,000 | 1,690 |
| Additional noninterest expense | $3,328,000 | 1,530 |
| Pre-tax net operating income | $4,640,000 | 1,975 |
| Securities gains (losses) | $2,000 | 1,993 |
| Applicable income taxes | $840,000 | 2,539 |
| Income before extraordinary items | $3,802,000 | 1,812 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $3,802,000 | 1,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $76,000 | 3,744 |
| Cash dividends | $2,550,000 | 1,185 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $3,800,360 | 1,788 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $14,048,000 | 1,745 |
| Total interest expense | $4,646,000 | 1,732 |
| Net interest income | $9,402,000 | 1,734 |
| Provision for loan and lease losses | $225,000 | 2,711 |
| Total noninterest income | $1,921,000 | 1,845 |
| Gross Fiduciary activities income | $553,000 | 467 |
| Service charges on deposit accounts | $657,000 | 1,950 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $711,000 | 2,297 |
| Total noninterest expense | $7,442,000 | 1,693 |
| Salaries and employee benefits | $3,831,000 | 1,811 |
| Premises and equipment expense | $1,060,000 | 1,716 |
| Additional noninterest expense | $2,551,000 | 1,472 |
| Pre-tax net operating income | $3,656,000 | 1,914 |
| Securities gains (losses) | $2,000 | 2,008 |
| Applicable income taxes | $771,000 | 2,259 |
| Income before extraordinary items | $2,887,000 | 1,810 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,887,000 | 1,811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 3,419 |
| Cash dividends | $750,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $2,885,420 | 1,780 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,137,000 | 1,746 |
| Total interest expense | $2,918,000 | 1,734 |
| Net interest income | $6,219,000 | 1,728 |
| Provision for loan and lease losses | $150,000 | 2,598 |
| Total noninterest income | $1,229,000 | 1,896 |
| Gross Fiduciary activities income | $358,000 | 474 |
| Service charges on deposit accounts | $418,000 | 1,995 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $453,000 | 2,343 |
| Total noninterest expense | $4,803,000 | 1,736 |
| Salaries and employee benefits | $2,489,000 | 1,840 |
| Premises and equipment expense | $691,000 | 1,732 |
| Additional noninterest expense | $1,623,000 | 1,536 |
| Pre-tax net operating income | $2,495,000 | 1,849 |
| Securities gains (losses) | $2,000 | 1,855 |
| Applicable income taxes | $526,000 | 2,194 |
| Income before extraordinary items | $1,971,000 | 1,738 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,971,000 | 1,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $49,000 | 2,744 |
| Cash dividends | $450,000 | 2,360 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,969,420 | 1,710 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,416,000 | 1,767 |
| Total interest expense | $1,368,000 | 1,746 |
| Net interest income | $3,048,000 | 1,751 |
| Provision for loan and lease losses | $75,000 | 2,455 |
| Total noninterest income | $569,000 | 1,949 |
| Gross Fiduciary activities income | $177,000 | 492 |
| Service charges on deposit accounts | $205,000 | 1,965 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $187,000 | 2,588 |
| Total noninterest expense | $2,376,000 | 1,761 |
| Salaries and employee benefits | $1,227,000 | 1,872 |
| Premises and equipment expense | $337,000 | 1,786 |
| Additional noninterest expense | $812,000 | 1,530 |
| Pre-tax net operating income | $1,166,000 | 1,925 |
| Securities gains (losses) | $2,000 | 1,406 |
| Applicable income taxes | $222,000 | 2,433 |
| Income before extraordinary items | $946,000 | 1,785 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $946,000 | 1,786 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $45,000 | 1,807 |
| Cash dividends | $301,000 | 1,717 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $944,380 | 1,746 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $16,063,000 | 1,787 |
| Total interest expense | $4,773,000 | 1,715 |
| Net interest income | $11,290,000 | 1,789 |
| Provision for loan and lease losses | $237,000 | 3,402 |
| Total noninterest income | $2,245,000 | 2,032 |
| Gross Fiduciary activities income | $710,000 | 453 |
| Service charges on deposit accounts | $885,000 | 1,959 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $650,000 | 2,845 |
| Total noninterest expense | $9,093,000 | 1,779 |
| Salaries and employee benefits | $4,829,000 | 1,817 |
| Premises and equipment expense | $1,259,000 | 1,828 |
| Additional noninterest expense | $3,005,000 | 1,623 |
| Pre-tax net operating income | $4,205,000 | 1,971 |
| Securities gains (losses) | $13,000 | 2,682 |
| Applicable income taxes | $714,000 | 2,730 |
| Income before extraordinary items | $3,504,000 | 1,810 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $3,504,000 | 1,810 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,344 |
| Cash dividends | $8,049,000 | 416 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $3,493,210 | 1,773 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $11,761,000 | 1,805 |
| Total interest expense | $3,503,000 | 1,720 |
| Net interest income | $8,258,000 | 1,819 |
| Provision for loan and lease losses | $162,000 | 3,396 |
| Total noninterest income | $1,683,000 | 2,036 |
| Gross Fiduciary activities income | $554,000 | 449 |
| Service charges on deposit accounts | $666,000 | 1,971 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $463,000 | 2,930 |
| Total noninterest expense | $6,876,000 | 1,757 |
| Salaries and employee benefits | $3,570,000 | 1,828 |
| Premises and equipment expense | $946,000 | 1,835 |
| Additional noninterest expense | $2,360,000 | 1,542 |
| Pre-tax net operating income | $2,903,000 | 2,126 |
| Securities gains (losses) | $12,000 | 2,612 |
| Applicable income taxes | $440,000 | 3,128 |
| Income before extraordinary items | $2,475,000 | 1,918 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $2,475,000 | 1,919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,451 |
| Cash dividends | $6,469,000 | 380 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $2,464,800 | 1,874 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $7,733,000 | 1,815 |
| Total interest expense | $2,312,000 | 1,722 |
| Net interest income | $5,421,000 | 1,840 |
| Provision for loan and lease losses | $112,000 | 3,311 |
| Total noninterest income | $1,075,000 | 2,089 |
| Gross Fiduciary activities income | $344,000 | 464 |
| Service charges on deposit accounts | $434,000 | 1,982 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $297,000 | 3,003 |
| Total noninterest expense | $4,503,000 | 1,776 |
| Salaries and employee benefits | $2,365,000 | 1,840 |
| Premises and equipment expense | $605,000 | 1,888 |
| Additional noninterest expense | $1,533,000 | 1,577 |
| Pre-tax net operating income | $1,881,000 | 2,152 |
| Securities gains (losses) | $12,000 | 2,314 |
| Applicable income taxes | $284,000 | 3,171 |
| Income before extraordinary items | $1,609,000 | 1,947 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,609,000 | 1,948 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 2,968 |
| Cash dividends | $450,000 | 2,291 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $1,598,800 | 1,907 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $3,829,000 | 1,836 |
| Total interest expense | $1,164,000 | 1,732 |
| Net interest income | $2,665,000 | 1,875 |
| Provision for loan and lease losses | $44,000 | 3,642 |
| Total noninterest income | $514,000 | 2,116 |
| Gross Fiduciary activities income | $165,000 | 490 |
| Service charges on deposit accounts | $210,000 | 1,982 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $139,000 | 3,072 |
| Total noninterest expense | $2,249,000 | 1,794 |
| Salaries and employee benefits | $1,167,000 | 1,874 |
| Premises and equipment expense | $345,000 | 1,693 |
| Additional noninterest expense | $737,000 | 1,620 |
| Pre-tax net operating income | $886,000 | 2,236 |
| Securities gains (losses) | $8,000 | 2,145 |
| Applicable income taxes | $112,000 | 3,591 |
| Income before extraordinary items | $782,000 | 1,990 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $782,000 | 1,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $47,000 | 2,007 |
| Cash dividends | $301,000 | 1,700 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $775,040 | 1,926 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $15,506,000 | 1,835 |
| Total interest expense | $4,786,000 | 1,870 |
| Net interest income | $10,720,000 | 1,824 |
| Provision for loan and lease losses | $175,000 | 4,313 |
| Total noninterest income | $2,165,000 | 2,185 |
| Gross Fiduciary activities income | $651,000 | 477 |
| Service charges on deposit accounts | $884,000 | 1,950 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $630,000 | 3,159 |
| Total noninterest expense | $8,367,000 | 1,893 |
| Salaries and employee benefits | $4,641,000 | 1,856 |
| Premises and equipment expense | $1,078,000 | 2,111 |
| Additional noninterest expense | $2,648,000 | 1,821 |
| Pre-tax net operating income | $4,343,000 | 1,854 |
| Securities gains (losses) | $16,000 | 3,357 |
| Applicable income taxes | $658,000 | 2,900 |
| Income before extraordinary items | $3,701,000 | 1,676 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $3,701,000 | 1,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 4,681 |
| Cash dividends | $2,379,000 | 1,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $3,687,400 | 1,600 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $11,614,000 | 1,877 |
| Total interest expense | $3,581,000 | 1,948 |
| Net interest income | $8,033,000 | 1,845 |
| Provision for loan and lease losses | $175,000 | 3,642 |
| Total noninterest income | $1,621,000 | 2,230 |
| Gross Fiduciary activities income | $491,000 | 478 |
| Service charges on deposit accounts | $656,000 | 1,978 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $474,000 | 3,223 |
| Total noninterest expense | $6,412,000 | 1,848 |
| Salaries and employee benefits | $3,521,000 | 1,843 |
| Premises and equipment expense | $860,000 | 1,999 |
| Additional noninterest expense | $2,031,000 | 1,781 |
| Pre-tax net operating income | $3,067,000 | 2,014 |
| Securities gains (losses) | $16,000 | 3,083 |
| Applicable income taxes | $471,000 | 3,133 |
| Income before extraordinary items | $2,612,000 | 1,843 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $2,612,000 | 1,843 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 4,715 |
| Cash dividends | $599,000 | 2,443 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $2,598,400 | 1,757 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $7,688,000 | 1,899 |
| Total interest expense | $2,374,000 | 2,014 |
| Net interest income | $5,314,000 | 1,842 |
| Provision for loan and lease losses | $175,000 | 2,769 |
| Total noninterest income | $1,034,000 | 2,296 |
| Gross Fiduciary activities income | $291,000 | 520 |
| Service charges on deposit accounts | $472,000 | 1,793 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $271,000 | 3,485 |
| Total noninterest expense | $4,157,000 | 1,902 |
| Salaries and employee benefits | $2,316,000 | 1,855 |
| Premises and equipment expense | $545,000 | 2,092 |
| Additional noninterest expense | $1,296,000 | 1,859 |
| Pre-tax net operating income | $2,016,000 | 2,022 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $302,000 | 3,231 |
| Income before extraordinary items | $1,726,000 | 1,866 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,726,000 | 1,865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,275 |
| Cash dividends | $450,000 | 2,287 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $1,715,800 | 1,757 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $3,833,000 | 1,916 |
| Total interest expense | $1,175,000 | 2,089 |
| Net interest income | $2,658,000 | 1,841 |
| Provision for loan and lease losses | $105,000 | 2,265 |
| Total noninterest income | $515,000 | 2,243 |
| Gross Fiduciary activities income | $145,000 | 535 |
| Service charges on deposit accounts | $235,000 | 1,735 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $135,000 | 3,397 |
| Total noninterest expense | $1,984,000 | 1,973 |
| Salaries and employee benefits | $1,122,000 | 1,901 |
| Premises and equipment expense | $280,000 | 2,035 |
| Additional noninterest expense | $582,000 | 2,025 |
| Pre-tax net operating income | $1,084,000 | 1,899 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $187,000 | 2,815 |
| Income before extraordinary items | $897,000 | 1,774 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $897,000 | 1,773 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 3,542 |
| Cash dividends | $300,000 | 1,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $897,000 | 1,659 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $16,295,000 | 1,892 |
| Total interest expense | $5,723,000 | 1,981 |
| Net interest income | $10,572,000 | 1,839 |
| Provision for loan and lease losses | $540,000 | 2,260 |
| Total noninterest income | $2,110,000 | 2,042 |
| Gross Fiduciary activities income | $607,000 | 510 |
| Service charges on deposit accounts | $801,000 | 1,990 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $702,000 | 2,704 |
| Total noninterest expense | $7,875,000 | 1,911 |
| Salaries and employee benefits | $4,244,000 | 1,898 |
| Premises and equipment expense | $1,023,000 | 2,137 |
| Additional noninterest expense | $2,608,000 | 1,787 |
| Pre-tax net operating income | $4,267,000 | 1,884 |
| Securities gains (losses) | $95,000 | 1,802 |
| Applicable income taxes | $738,000 | 2,736 |
| Income before extraordinary items | $3,624,000 | 1,647 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $3,624,000 | 1,647 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 6,091 |
| Cash dividends | $2,399,000 | 1,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $3,545,150 | 1,634 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $19,140,000 | 1,776 |
| Total interest expense | $9,290,000 | 1,752 |
| Net interest income | $9,850,000 | 1,814 |
| Provision for loan and lease losses | $540,000 | 2,073 |
| Total noninterest income | $1,829,000 | 2,157 |
| Gross Fiduciary activities income | $584,000 | 542 |
| Service charges on deposit accounts | $645,000 | 2,299 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $600,000 | 2,831 |
| Total noninterest expense | $7,764,000 | 1,867 |
| Salaries and employee benefits | $3,695,000 | 2,034 |
| Premises and equipment expense | $1,155,000 | 1,859 |
| Additional noninterest expense | $2,914,000 | 1,592 |
| Pre-tax net operating income | $3,375,000 | 2,035 |
| Securities gains (losses) | $33,000 | 2,734 |
| Applicable income taxes | $520,000 | 3,261 |
| Income before extraordinary items | $2,888,000 | 1,815 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $2,888,000 | 1,817 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $227,000 | 2,649 |
| Cash dividends | $2,330,000 | 1,155 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $2,859,950 | 1,768 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $20,726,000 | 1,672 |
| Total interest expense | $10,682,000 | 1,599 |
| Net interest income | $10,044,000 | 1,751 |
| Provision for loan and lease losses | $480,000 | 1,938 |
| Total noninterest income | $1,390,000 | 2,488 |
| Gross Fiduciary activities income | $575,000 | 553 |
| Service charges on deposit accounts | $390,000 | 3,311 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $425,000 | 3,218 |
| Total noninterest expense | $7,493,000 | 1,856 |
| Salaries and employee benefits | $3,892,000 | 1,853 |
| Premises and equipment expense | $1,145,000 | 1,831 |
| Additional noninterest expense | $2,456,000 | 1,804 |
| Pre-tax net operating income | $3,461,000 | 2,107 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $444,000 | 3,763 |
| Income before extraordinary items | $3,017,000 | 1,750 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,017,000 | 1,750 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $236,000 | 2,140 |
| Cash dividends | $2,150,000 | 1,277 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,017,000 | 1,740 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $19,557,000 | 1,657 |
| Total interest expense | $9,454,000 | 1,585 |
| Net interest income | $10,103,000 | 1,724 |
| Provision for loan and lease losses | $300,000 | 2,624 |
| Total noninterest income | $1,436,000 | 2,363 |
| Gross Fiduciary activities income | $560,000 | 605 |
| Service charges on deposit accounts | $366,000 | 3,445 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $510,000 | 2,923 |
| Total noninterest expense | $7,202,000 | 1,907 |
| Salaries and employee benefits | $3,666,000 | 1,908 |
| Premises and equipment expense | $1,138,000 | 1,796 |
| Additional noninterest expense | $2,398,000 | 1,834 |
| Pre-tax net operating income | $4,037,000 | 1,827 |
| Securities gains (losses) | $3,000 | 2,393 |
| Applicable income taxes | $648,000 | 3,060 |
| Income before extraordinary items | $3,392,000 | 1,574 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $3,392,000 | 1,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $866,000 | 784 |
| Cash dividends | $2,110,000 | 1,295 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $3,389,480 | 1,546 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $19,848,000 | 1,637 |
| Total interest expense | $9,898,000 | 1,540 |
| Net interest income | $9,950,000 | 1,722 |
| Provision for loan and lease losses | $240,000 | 3,065 |
| Total noninterest income | $1,240,000 | 2,623 |
| Gross Fiduciary activities income | $490,000 | 643 |
| Service charges on deposit accounts | $425,000 | 2,966 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $325,000 | 3,847 |
| Total noninterest expense | $6,075,000 | 2,145 |
| Salaries and employee benefits | $3,483,000 | 1,908 |
| Premises and equipment expense | $880,000 | 2,215 |
| Additional noninterest expense | $1,712,000 | 2,433 |
| Pre-tax net operating income | $4,875,000 | 1,512 |
| Securities gains (losses) | $1,000 | 4,151 |
| Applicable income taxes | $906,000 | 2,488 |
| Income before extraordinary items | $3,970,000 | 1,335 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,970,000 | 1,335 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $344,000 | 1,686 |
| Cash dividends | $2,840,000 | 1,028 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,969,190 | 1,281 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $19,798,000 | 1,666 |
| Total interest expense | $9,800,000 | 1,581 |
| Net interest income | $9,998,000 | 1,740 |
| Provision for loan and lease losses | $220,000 | 3,234 |
| Total noninterest income | $1,113,000 | 2,797 |
| Gross Fiduciary activities income | $424,000 | 711 |
| Service charges on deposit accounts | $385,000 | 3,331 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $304,000 | 3,901 |
| Total noninterest expense | $6,004,000 | 2,133 |
| Salaries and employee benefits | $3,331,000 | 1,974 |
| Premises and equipment expense | $897,000 | 2,183 |
| Additional noninterest expense | $1,776,000 | 2,334 |
| Pre-tax net operating income | $4,887,000 | 1,579 |
| Securities gains (losses) | $5,000 | 2,787 |
| Applicable income taxes | $944,000 | 2,556 |
| Income before extraordinary items | $3,948,000 | 1,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $3,948,000 | 1,389 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $119,000 | 3,457 |
| Cash dividends | $2,000,000 | 1,293 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $3,943,950 | 1,347 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $19,480,000 | 1,734 |
| Total interest expense | $9,804,000 | 1,619 |
| Net interest income | $9,676,000 | 1,838 |
| Provision for loan and lease losses | $120,000 | 4,568 |
| Total noninterest income | $1,050,000 | 3,011 |
| Gross Fiduciary activities income | $388,000 | 778 |
| Service charges on deposit accounts | $347,000 | 3,787 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $315,000 | 3,960 |
| Total noninterest expense | $5,987,000 | 2,295 |
| Salaries and employee benefits | $3,236,000 | 2,054 |
| Premises and equipment expense | $867,000 | 2,278 |
| Additional noninterest expense | $1,884,000 | 2,595 |
| Pre-tax net operating income | $4,619,000 | 1,577 |
| Securities gains (losses) | $7,000 | 2,762 |
| Applicable income taxes | $805,000 | 2,818 |
| Income before extraordinary items | $3,821,000 | 1,303 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $3,821,000 | 1,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,856 |
| Cash dividends | $2,080,000 | 1,243 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $3,815,190 | 1,272 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $17,990,000 | 1,886 |
| Total interest expense | $9,131,000 | 1,737 |
| Net interest income | $8,859,000 | 2,030 |
| Provision for loan and lease losses | $120,000 | 4,090 |
| Total noninterest income | $1,007,000 | 3,088 |
| Gross Fiduciary activities income | $393,000 | 809 |
| Service charges on deposit accounts | $365,000 | 3,632 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $249,000 | 4,490 |
| Total noninterest expense | $5,570,000 | 2,441 |
| Salaries and employee benefits | $2,916,000 | 2,268 |
| Premises and equipment expense | $740,000 | 2,663 |
| Additional noninterest expense | $1,914,000 | 2,496 |
| Pre-tax net operating income | $4,176,000 | 1,769 |
| Securities gains (losses) | $20,000 | 1,915 |
| Applicable income taxes | $683,000 | 3,300 |
| Income before extraordinary items | $3,513,000 | 1,462 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $3,513,000 | 1,459 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $152,000 | 2,975 |
| Cash dividends | $1,910,000 | 1,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $3,496,200 | 1,454 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $15,465,000 | 1,993 |
| Total interest expense | $6,346,000 | 1,967 |
| Net interest income | $9,119,000 | 1,986 |
| Provision for loan and lease losses | $265,000 | 2,482 |
| Total noninterest income | $820,000 | 3,646 |
| Gross Fiduciary activities income | $327,000 | 870 |
| Service charges on deposit accounts | $285,000 | 4,556 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $208,000 | 5,136 |
| Total noninterest expense | $4,747,000 | 2,907 |
| Salaries and employee benefits | $2,583,000 | 2,580 |
| Premises and equipment expense | $630,000 | 3,129 |
| Additional noninterest expense | $1,534,000 | 3,229 |
| Pre-tax net operating income | $4,927,000 | 1,487 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $959,000 | 2,329 |
| Income before extraordinary items | $3,971,000 | 1,269 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $3,971,000 | 1,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $143,000 | 3,055 |
| Cash dividends | $1,990,000 | 1,130 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $3,968,570 | 1,284 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $15,146,000 | 2,075 |
| Total interest expense | $6,443,000 | 2,004 |
| Net interest income | $8,703,000 | 2,068 |
| Provision for loan and lease losses | $360,000 | 2,633 |
| Total noninterest income | $726,000 | 4,323 |
| Gross Fiduciary activities income | $286,000 | 956 |
| Service charges on deposit accounts | $302,000 | 4,398 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $138,000 | 6,833 |
| Total noninterest expense | $4,601,000 | 3,057 |
| Salaries and employee benefits | $2,402,000 | 2,755 |
| Premises and equipment expense | $715,000 | 2,823 |
| Additional noninterest expense | $1,484,000 | 3,536 |
| Pre-tax net operating income | $4,468,000 | 1,566 |
| Securities gains (losses) | $9,000 | 5,582 |
| Applicable income taxes | $773,000 | 2,832 |
| Income before extraordinary items | $3,704,000 | 1,371 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $3,704,000 | 1,417 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $245,000 | 2,777 |
| Cash dividends | $1,850,000 | 1,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $3,696,530 | 1,291 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $15,759,000 | 2,240 |
| Total interest expense | $7,652,000 | 2,222 |
| Net interest income | $8,107,000 | 2,243 |
| Provision for loan and lease losses | $300,000 | 4,111 |
| Total noninterest income | $652,000 | 4,665 |
| Gross Fiduciary activities income | $247,000 | 1,025 |
| Service charges on deposit accounts | $274,000 | 4,771 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $131,000 | 7,138 |
| Total noninterest expense | $4,196,000 | 3,351 |
| Salaries and employee benefits | $2,259,000 | 2,875 |
| Premises and equipment expense | $559,000 | 3,598 |
| Additional noninterest expense | $1,378,000 | 3,851 |
| Pre-tax net operating income | $4,263,000 | 1,487 |
| Securities gains (losses) | $5,000 | 7,049 |
| Applicable income taxes | $866,000 | 2,405 |
| Income before extraordinary items | $3,402,000 | 1,371 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $3,402,000 | 1,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 5,373 |
| Cash dividends | $1,720,000 | 970 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $3,398,000 | 1,266 |
* 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.