Home > First National Bank of Olney > Income and Expense
First National Bank of Olney, Income and Expense
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $1,994,000 | 6,386 |
| Total interest expense | $194,000 | 7,305 |
| Net interest income | $1,800,000 | 5,935 |
| Provision for loan and lease losses | $0 | 6,977 |
| Total noninterest income | $235,000 | 5,428 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $173,000 | 4,224 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $62,000 | 5,773 |
| Total noninterest expense | $914,000 | 6,902 |
| Salaries and employee benefits | $421,000 | 7,075 |
| Premises and equipment expense | $73,000 | 7,166 |
| Additional noninterest expense | $420,000 | 6,374 |
| Pre-tax net operating income | $1,121,000 | 2,897 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $1,121,000 | 2,685 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,121,000 | 2,683 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,121,000 | 2,687 |
| Net charge-offs | $0 | 6,672 |
| Cash dividends | $850,000 | 1,217 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,121,000 | 2,559 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,368,000 | 6,362 |
| Total interest expense | $129,000 | 7,388 |
| Net interest income | $1,239,000 | 5,879 |
| Provision for loan and lease losses | $0 | 6,857 |
| Total noninterest income | $148,000 | 5,503 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $116,000 | 4,206 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $32,000 | 6,086 |
| Total noninterest expense | $605,000 | 6,962 |
| Salaries and employee benefits | $279,000 | 7,137 |
| Premises and equipment expense | $49,000 | 7,216 |
| Additional noninterest expense | $277,000 | 6,421 |
| Pre-tax net operating income | $782,000 | 2,833 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $782,000 | 2,548 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $782,000 | 2,545 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $782,000 | 2,548 |
| Net charge-offs | $0 | 6,372 |
| Cash dividends | $750,000 | 928 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $782,000 | 2,450 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $714,000 | 6,365 |
| Total interest expense | $65,000 | 7,500 |
| Net interest income | $649,000 | 5,816 |
| Provision for loan and lease losses | $0 | 6,552 |
| Total noninterest income | $71,000 | 5,623 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $55,000 | 4,301 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $16,000 | 6,197 |
| Total noninterest expense | $303,000 | 7,065 |
| Salaries and employee benefits | $137,000 | 7,249 |
| Premises and equipment expense | $26,000 | 7,239 |
| Additional noninterest expense | $140,000 | 6,466 |
| Pre-tax net operating income | $417,000 | 2,765 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $417,000 | 2,488 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $417,000 | 2,485 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $417,000 | 2,488 |
| Net charge-offs | $0 | 5,610 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $417,000 | 2,389 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $2,855,000 | 6,430 |
| Total interest expense | $342,000 | 7,490 |
| Net interest income | $2,513,000 | 5,826 |
| Provision for loan and lease losses | $97,000 | 6,481 |
| Total noninterest income | $293,000 | 5,652 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $268,000 | 4,094 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $25,000 | 6,847 |
| Total noninterest expense | $1,166,000 | 7,197 |
| Salaries and employee benefits | $539,000 | 7,345 |
| Premises and equipment expense | $98,000 | 7,404 |
| Additional noninterest expense | $529,000 | 6,692 |
| Pre-tax net operating income | $1,543,000 | 2,313 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $1,543,000 | 2,067 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,543,000 | 2,064 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,543,000 | 2,066 |
| Net charge-offs | $160,000 | 5,252 |
| Cash dividends | $1,475,000 | 1,218 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,543,000 | 2,038 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,113,000 | 6,527 |
| Total interest expense | $274,000 | 7,534 |
| Net interest income | $1,839,000 | 5,903 |
| Provision for loan and lease losses | $0 | 7,284 |
| Total noninterest income | $226,000 | 5,663 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $174,000 | 4,389 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $52,000 | 6,183 |
| Total noninterest expense | $867,000 | 7,252 |
| Salaries and employee benefits | $404,000 | 7,397 |
| Premises and equipment expense | $71,000 | 7,491 |
| Additional noninterest expense | $392,000 | 6,732 |
| Pre-tax net operating income | $1,198,000 | 2,443 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $1,198,000 | 2,184 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,198,000 | 2,181 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,198,000 | 2,184 |
| Net charge-offs | $0 | 6,987 |
| Cash dividends | $600,000 | 1,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,198,000 | 2,135 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,411,000 | 6,596 |
| Total interest expense | $198,000 | 7,576 |
| Net interest income | $1,213,000 | 5,941 |
| Provision for loan and lease losses | $0 | 7,158 |
| Total noninterest income | $138,000 | 5,866 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $115,000 | 4,375 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $23,000 | 6,676 |
| Total noninterest expense | $575,000 | 7,318 |
| Salaries and employee benefits | $269,000 | 7,474 |
| Premises and equipment expense | $52,000 | 7,468 |
| Additional noninterest expense | $254,000 | 6,819 |
| Pre-tax net operating income | $776,000 | 2,564 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $776,000 | 2,288 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $776,000 | 2,285 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $776,000 | 2,287 |
| Net charge-offs | $0 | 6,628 |
| Cash dividends | $600,000 | 1,412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $776,000 | 2,229 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $733,000 | 6,559 |
| Total interest expense | $113,000 | 7,542 |
| Net interest income | $620,000 | 5,915 |
| Provision for loan and lease losses | $0 | 6,744 |
| Total noninterest income | $72,000 | 5,774 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $59,000 | 4,277 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $13,000 | 6,619 |
| Total noninterest expense | $278,000 | 7,385 |
| Salaries and employee benefits | $133,000 | 7,536 |
| Premises and equipment expense | $29,000 | 7,401 |
| Additional noninterest expense | $116,000 | 6,839 |
| Pre-tax net operating income | $414,000 | 2,733 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $414,000 | 2,503 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $414,000 | 2,503 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $414,000 | 2,505 |
| Net charge-offs | $0 | 5,728 |
| Cash dividends | $100,000 | 2,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $414,000 | 2,356 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,182,000 | 6,504 |
| Total interest expense | $772,000 | 7,186 |
| Net interest income | $2,410,000 | 5,983 |
| Provision for loan and lease losses | $279,000 | 4,753 |
| Total noninterest income | $286,000 | 5,902 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $239,000 | 4,455 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $47,000 | 6,812 |
| Total noninterest expense | $991,000 | 7,551 |
| Salaries and employee benefits | $530,000 | 7,585 |
| Premises and equipment expense | $86,000 | 7,745 |
| Additional noninterest expense | $375,000 | 7,147 |
| Pre-tax net operating income | $1,426,000 | 3,112 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $0 | 4,979 |
| Income before extraordinary items | $1,426,000 | 2,600 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,426,000 | 2,599 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 6,675 |
| Cash dividends | $1,200,000 | 2,027 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,426,000 | 2,754 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,432,000 | 6,531 |
| Total interest expense | $634,000 | 7,155 |
| Net interest income | $1,798,000 | 6,051 |
| Provision for loan and lease losses | $7,000 | 6,838 |
| Total noninterest income | $219,000 | 5,932 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $196,000 | 4,299 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $23,000 | 7,331 |
| Total noninterest expense | $739,000 | 7,591 |
| Salaries and employee benefits | $392,000 | 7,634 |
| Premises and equipment expense | $65,000 | 7,787 |
| Additional noninterest expense | $282,000 | 7,145 |
| Pre-tax net operating income | $1,271,000 | 3,203 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $0 | 5,372 |
| Income before extraordinary items | $1,271,000 | 2,647 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,271,000 | 2,645 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,975 |
| Cash dividends | $1,200,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,271,000 | 2,777 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,680,000 | 6,520 |
| Total interest expense | $488,000 | 7,051 |
| Net interest income | $1,192,000 | 6,080 |
| Provision for loan and lease losses | $7,000 | 6,417 |
| Total noninterest income | $144,000 | 6,046 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $130,000 | 4,315 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $14,000 | 7,482 |
| Total noninterest expense | $487,000 | 7,667 |
| Salaries and employee benefits | $257,000 | 7,723 |
| Premises and equipment expense | $44,000 | 7,818 |
| Additional noninterest expense | $186,000 | 7,184 |
| Pre-tax net operating income | $842,000 | 3,324 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $0 | 5,627 |
| Income before extraordinary items | $842,000 | 2,947 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $842,000 | 2,949 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,312 |
| Cash dividends | $800,000 | 1,677 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $842,000 | 2,897 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $894,000 | 6,480 |
| Total interest expense | $300,000 | 6,833 |
| Net interest income | $594,000 | 6,127 |
| Provision for loan and lease losses | $7,000 | 5,635 |
| Total noninterest income | $76,000 | 5,960 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $67,000 | 4,239 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $9,000 | 7,309 |
| Total noninterest expense | $239,000 | 7,719 |
| Salaries and employee benefits | $126,000 | 7,790 |
| Premises and equipment expense | $20,000 | 7,941 |
| Additional noninterest expense | $93,000 | 7,181 |
| Pre-tax net operating income | $424,000 | 3,411 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $0 | 5,622 |
| Income before extraordinary items | $424,000 | 3,071 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $424,000 | 3,073 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,076 |
| Cash dividends | $200,000 | 2,298 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $424,000 | 2,983 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,141,000 | 6,165 |
| Total interest expense | $1,511,000 | 6,417 |
| Net interest income | $2,630,000 | 5,839 |
| Provision for loan and lease losses | $6,000 | 6,695 |
| Total noninterest income | $289,000 | 6,085 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $234,000 | 4,581 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $55,000 | 6,998 |
| Total noninterest expense | $957,000 | 7,706 |
| Salaries and employee benefits | $485,000 | 7,844 |
| Premises and equipment expense | $108,000 | 7,662 |
| Additional noninterest expense | $364,000 | 7,230 |
| Pre-tax net operating income | $1,956,000 | 3,359 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $1,956,000 | 2,872 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,956,000 | 2,871 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,123 |
| Cash dividends | $1,698,000 | 1,834 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,956,000 | 2,856 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,171,000 | 6,152 |
| Total interest expense | $1,156,000 | 6,405 |
| Net interest income | $2,015,000 | 5,814 |
| Provision for loan and lease losses | $6,000 | 6,329 |
| Total noninterest income | $205,000 | 6,253 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $176,000 | 4,609 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $29,000 | 7,362 |
| Total noninterest expense | $736,000 | 7,654 |
| Salaries and employee benefits | $366,000 | 7,813 |
| Premises and equipment expense | $73,000 | 7,755 |
| Additional noninterest expense | $297,000 | 7,059 |
| Pre-tax net operating income | $1,478,000 | 3,508 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $1,478,000 | 3,002 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,478,000 | 3,001 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 5,430 |
| Cash dividends | $1,398,000 | 1,596 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,478,000 | 2,987 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,146,000 | 6,144 |
| Total interest expense | $762,000 | 6,456 |
| Net interest income | $1,384,000 | 5,781 |
| Provision for loan and lease losses | $1,000 | 6,174 |
| Total noninterest income | $127,000 | 6,439 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $106,000 | 4,826 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $21,000 | 7,329 |
| Total noninterest expense | $488,000 | 7,725 |
| Salaries and employee benefits | $239,000 | 7,891 |
| Premises and equipment expense | $59,000 | 7,585 |
| Additional noninterest expense | $190,000 | 7,164 |
| Pre-tax net operating income | $1,022,000 | 3,485 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $1,022,000 | 2,995 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,022,000 | 2,994 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 5,315 |
| Cash dividends | $673,000 | 2,035 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $1,022,000 | 2,979 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,088,000 | 6,115 |
| Total interest expense | $394,000 | 6,406 |
| Net interest income | $694,000 | 5,777 |
| Provision for loan and lease losses | $1,000 | 5,727 |
| Total noninterest income | $61,000 | 6,498 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $47,000 | 5,004 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $14,000 | 7,050 |
| Total noninterest expense | $230,000 | 7,829 |
| Salaries and employee benefits | $111,000 | 8,023 |
| Premises and equipment expense | $29,000 | 7,638 |
| Additional noninterest expense | $90,000 | 7,277 |
| Pre-tax net operating income | $524,000 | 3,411 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $524,000 | 2,914 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $524,000 | 2,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,238 |
| Cash dividends | $489,000 | 1,460 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $524,000 | 2,899 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $3,696,000 | 6,306 |
| Total interest expense | $1,199,000 | 6,593 |
| Net interest income | $2,497,000 | 6,026 |
| Provision for loan and lease losses | $43,000 | 5,759 |
| Total noninterest income | $342,000 | 5,926 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $200,000 | 4,987 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $142,000 | 5,713 |
| Total noninterest expense | $1,006,000 | 7,699 |
| Salaries and employee benefits | $499,000 | 7,875 |
| Premises and equipment expense | $125,000 | 7,549 |
| Additional noninterest expense | $382,000 | 7,164 |
| Pre-tax net operating income | $1,790,000 | 3,909 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $0 | 6,600 |
| Income before extraordinary items | $1,790,000 | 3,366 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,790,000 | 3,364 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 4,325 |
| Cash dividends | $1,947,000 | 1,597 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,790,000 | 3,349 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,654,000 | 6,417 |
| Total interest expense | $844,000 | 6,681 |
| Net interest income | $1,810,000 | 6,175 |
| Provision for loan and lease losses | $43,000 | 5,331 |
| Total noninterest income | $287,000 | 5,725 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $155,000 | 4,969 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $132,000 | 5,363 |
| Total noninterest expense | $750,000 | 7,711 |
| Salaries and employee benefits | $376,000 | 7,861 |
| Premises and equipment expense | $90,000 | 7,602 |
| Additional noninterest expense | $284,000 | 7,186 |
| Pre-tax net operating income | $1,304,000 | 4,096 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $0 | 6,687 |
| Income before extraordinary items | $1,304,000 | 3,532 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,304,000 | 3,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $44,000 | 3,348 |
| Cash dividends | $545,000 | 2,804 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,304,000 | 3,514 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,724,000 | 6,473 |
| Total interest expense | $538,000 | 6,703 |
| Net interest income | $1,186,000 | 6,254 |
| Provision for loan and lease losses | $11,000 | 5,966 |
| Total noninterest income | $117,000 | 6,718 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $102,000 | 4,979 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $15,000 | 7,801 |
| Total noninterest expense | $499,000 | 7,748 |
| Salaries and employee benefits | $248,000 | 7,914 |
| Premises and equipment expense | $58,000 | 7,664 |
| Additional noninterest expense | $193,000 | 7,170 |
| Pre-tax net operating income | $793,000 | 4,345 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $0 | 6,706 |
| Income before extraordinary items | $793,000 | 3,772 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $793,000 | 3,775 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,967 |
| Cash dividends | $545,000 | 2,254 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $793,000 | 3,764 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $864,000 | 6,459 |
| Total interest expense | $258,000 | 6,728 |
| Net interest income | $606,000 | 6,207 |
| Provision for loan and lease losses | $11,000 | 5,192 |
| Total noninterest income | $60,000 | 6,628 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $53,000 | 4,817 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $246,000 | 7,778 |
| Salaries and employee benefits | $121,000 | 7,971 |
| Premises and equipment expense | $32,000 | 7,546 |
| Additional noninterest expense | $93,000 | 7,227 |
| Pre-tax net operating income | $409,000 | 4,226 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $0 | 6,588 |
| Income before extraordinary items | $409,000 | 3,647 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $409,000 | 3,646 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 2,805 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $409,000 | 3,626 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,762,000 | 6,789 |
| Total interest expense | $620,000 | 7,274 |
| Net interest income | $2,142,000 | 6,464 |
| Provision for loan and lease losses | $25,000 | 6,321 |
| Total noninterest income | $247,000 | 6,698 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $227,000 | 4,785 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $20,000 | 8,136 |
| Total noninterest expense | $975,000 | 7,792 |
| Salaries and employee benefits | $495,000 | 7,919 |
| Premises and equipment expense | $99,000 | 7,866 |
| Additional noninterest expense | $381,000 | 7,185 |
| Pre-tax net operating income | $1,389,000 | 4,567 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $0 | 6,964 |
| Income before extraordinary items | $1,389,000 | 3,977 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $1,389,000 | 3,978 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 4,012 |
| Cash dividends | $1,285,000 | 2,046 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $1,389,000 | 3,947 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,935,000 | 6,955 |
| Total interest expense | $388,000 | 7,525 |
| Net interest income | $1,547,000 | 6,599 |
| Provision for loan and lease losses | $25,000 | 5,986 |
| Total noninterest income | $191,000 | 6,676 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $171,000 | 4,801 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $20,000 | 7,975 |
| Total noninterest expense | $723,000 | 7,795 |
| Salaries and employee benefits | $370,000 | 7,898 |
| Premises and equipment expense | $74,000 | 7,894 |
| Additional noninterest expense | $279,000 | 7,251 |
| Pre-tax net operating income | $990,000 | 4,799 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $0 | 6,976 |
| Income before extraordinary items | $990,000 | 4,186 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $990,000 | 4,186 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,193 |
| Cash dividends | $1,285,000 | 1,498 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $990,000 | 4,138 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,223,000 | 7,033 |
| Total interest expense | $224,000 | 7,679 |
| Net interest income | $999,000 | 6,664 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $126,000 | 6,660 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $112,000 | 4,793 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,000 | 7,946 |
| Total noninterest expense | $477,000 | 7,824 |
| Salaries and employee benefits | $248,000 | 7,904 |
| Premises and equipment expense | $48,000 | 7,908 |
| Additional noninterest expense | $181,000 | 7,288 |
| Pre-tax net operating income | $648,000 | 4,806 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $0 | 6,961 |
| Income before extraordinary items | $648,000 | 4,215 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $648,000 | 4,216 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 2,464 |
| Cash dividends | $1,285,000 | 1,063 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $648,000 | 4,160 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $605,000 | 7,082 |
| Total interest expense | $104,000 | 7,785 |
| Net interest income | $501,000 | 6,713 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $68,000 | 6,493 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $60,000 | 4,608 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $8,000 | 7,922 |
| Total noninterest expense | $232,000 | 7,932 |
| Salaries and employee benefits | $123,000 | 7,984 |
| Premises and equipment expense | $24,000 | 7,971 |
| Additional noninterest expense | $85,000 | 7,462 |
| Pre-tax net operating income | $337,000 | 4,703 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $337,000 | 4,057 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $337,000 | 4,059 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,869 |
| Cash dividends | $90,000 | 3,047 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $337,000 | 4,017 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,119,000 | 7,258 |
| Total interest expense | $402,000 | 7,684 |
| Net interest income | $1,717,000 | 7,019 |
| Provision for loan and lease losses | $0 | 7,314 |
| Total noninterest income | $255,000 | 6,730 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $219,000 | 5,038 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $36,000 | 7,787 |
| Total noninterest expense | $936,000 | 7,927 |
| Salaries and employee benefits | $490,000 | 8,002 |
| Premises and equipment expense | $80,000 | 8,210 |
| Additional noninterest expense | $366,000 | 7,315 |
| Pre-tax net operating income | $1,036,000 | 5,151 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $0 | 7,185 |
| Income before extraordinary items | $1,036,000 | 4,594 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,036,000 | 4,594 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,745 |
| Cash dividends | $493,000 | 3,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,036,000 | 4,527 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,539,000 | 7,348 |
| Total interest expense | $298,000 | 7,713 |
| Net interest income | $1,241,000 | 7,122 |
| Provision for loan and lease losses | $0 | 7,100 |
| Total noninterest income | $184,000 | 6,840 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $170,000 | 5,004 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $14,000 | 8,295 |
| Total noninterest expense | $699,000 | 7,917 |
| Salaries and employee benefits | $367,000 | 7,992 |
| Premises and equipment expense | $66,000 | 8,111 |
| Additional noninterest expense | $266,000 | 7,366 |
| Pre-tax net operating income | $726,000 | 5,432 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $0 | 7,220 |
| Income before extraordinary items | $726,000 | 4,863 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $726,000 | 4,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 6,223 |
| Cash dividends | $493,000 | 2,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $726,000 | 4,778 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,014,000 | 7,412 |
| Total interest expense | $199,000 | 7,774 |
| Net interest income | $815,000 | 7,180 |
| Provision for loan and lease losses | $0 | 6,885 |
| Total noninterest income | $120,000 | 6,894 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $104,000 | 5,184 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $16,000 | 7,964 |
| Total noninterest expense | $470,000 | 7,952 |
| Salaries and employee benefits | $245,000 | 8,039 |
| Premises and equipment expense | $45,000 | 8,118 |
| Additional noninterest expense | $180,000 | 7,373 |
| Pre-tax net operating income | $465,000 | 5,489 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $0 | 7,214 |
| Income before extraordinary items | $465,000 | 4,922 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $465,000 | 4,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,524 |
| Cash dividends | $493,000 | 2,195 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $465,000 | 4,829 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $516,000 | 7,420 |
| Total interest expense | $102,000 | 7,816 |
| Net interest income | $414,000 | 7,183 |
| Provision for loan and lease losses | $0 | 6,501 |
| Total noninterest income | $53,000 | 7,118 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $44,000 | 5,481 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $9,000 | 7,855 |
| Total noninterest expense | $240,000 | 7,952 |
| Salaries and employee benefits | $130,000 | 7,977 |
| Premises and equipment expense | $22,000 | 8,152 |
| Additional noninterest expense | $88,000 | 7,433 |
| Pre-tax net operating income | $227,000 | 5,532 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $0 | 7,103 |
| Income before extraordinary items | $227,000 | 5,011 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $227,000 | 5,010 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,358 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $227,000 | 4,878 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,138,000 | 7,417 |
| Total interest expense | $466,000 | 7,864 |
| Net interest income | $1,672,000 | 7,108 |
| Provision for loan and lease losses | $0 | 7,651 |
| Total noninterest income | $183,000 | 7,490 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $156,000 | 5,788 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $27,000 | 8,216 |
| Total noninterest expense | $904,000 | 8,071 |
| Salaries and employee benefits | $490,000 | 8,112 |
| Premises and equipment expense | $86,000 | 8,253 |
| Additional noninterest expense | $328,000 | 7,586 |
| Pre-tax net operating income | $951,000 | 5,299 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $0 | 7,459 |
| Income before extraordinary items | $951,000 | 4,782 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $951,000 | 4,782 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,883 |
| Cash dividends | $771,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $951,000 | 4,615 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,632,000 | 7,465 |
| Total interest expense | $356,000 | 7,985 |
| Net interest income | $1,276,000 | 7,098 |
| Provision for loan and lease losses | $0 | 7,481 |
| Total noninterest income | $136,000 | 7,555 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $116,000 | 5,850 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $20,000 | 8,256 |
| Total noninterest expense | $673,000 | 8,076 |
| Salaries and employee benefits | $368,000 | 8,106 |
| Premises and equipment expense | $65,000 | 8,278 |
| Additional noninterest expense | $240,000 | 7,654 |
| Pre-tax net operating income | $739,000 | 5,368 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $0 | 7,524 |
| Income before extraordinary items | $739,000 | 4,826 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $739,000 | 4,826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 6,378 |
| Cash dividends | $771,000 | 2,052 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $739,000 | 4,636 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,136,000 | 7,422 |
| Total interest expense | $242,000 | 8,058 |
| Net interest income | $894,000 | 6,973 |
| Provision for loan and lease losses | $0 | 7,324 |
| Total noninterest income | $104,000 | 7,327 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $78,000 | 5,817 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $26,000 | 7,515 |
| Total noninterest expense | $443,000 | 8,128 |
| Salaries and employee benefits | $247,000 | 8,110 |
| Premises and equipment expense | $43,000 | 8,290 |
| Additional noninterest expense | $153,000 | 7,719 |
| Pre-tax net operating income | $555,000 | 5,050 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $0 | 7,529 |
| Income before extraordinary items | $555,000 | 4,516 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $555,000 | 4,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $686,000 | 1,741 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $555,000 | 4,300 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $609,000 | 7,273 |
| Total interest expense | $124,000 | 8,118 |
| Net interest income | $485,000 | 6,737 |
| Provision for loan and lease losses | $0 | 6,934 |
| Total noninterest income | $47,000 | 7,471 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $40,000 | 5,673 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $7,000 | 8,228 |
| Total noninterest expense | $219,000 | 8,181 |
| Salaries and employee benefits | $122,000 | 8,162 |
| Premises and equipment expense | $21,000 | 8,333 |
| Additional noninterest expense | $76,000 | 7,777 |
| Pre-tax net operating income | $313,000 | 4,683 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $0 | 7,403 |
| Income before extraordinary items | $313,000 | 4,117 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $313,000 | 4,115 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,853 |
| Cash dividends | $10,000 | 3,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $313,000 | 3,928 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,505,000 | 7,353 |
| Total interest expense | $575,000 | 8,177 |
| Net interest income | $1,930,000 | 6,733 |
| Provision for loan and lease losses | $0 | 8,089 |
| Total noninterest income | $196,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $175,000 | 5,526 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $21,000 | 8,496 |
| Total noninterest expense | $930,000 | 8,087 |
| Salaries and employee benefits | $506,000 | 8,119 |
| Premises and equipment expense | $99,000 | 8,178 |
| Additional noninterest expense | $325,000 | 7,621 |
| Pre-tax net operating income | $1,196,000 | 4,721 |
| Securities gains (losses) | $24,000 | 3,010 |
| Applicable income taxes | $0 | 7,681 |
| Income before extraordinary items | $1,220,000 | 4,043 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,220,000 | 4,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 7,516 |
| Cash dividends | $1,009,000 | 2,213 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,196,000 | 3,986 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,035,000 | 7,220 |
| Total interest expense | $1,131,000 | 7,746 |
| Net interest income | $1,904,000 | 6,592 |
| Provision for loan and lease losses | $0 | 8,228 |
| Total noninterest income | $202,000 | 7,288 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $166,000 | 5,565 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $36,000 | 8,155 |
| Total noninterest expense | $939,000 | 8,116 |
| Salaries and employee benefits | $509,000 | 8,132 |
| Premises and equipment expense | $106,000 | 8,210 |
| Additional noninterest expense | $324,000 | 7,678 |
| Pre-tax net operating income | $1,167,000 | 4,489 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $1,167,000 | 3,884 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,167,000 | 3,885 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 8,710 |
| Cash dividends | $875,000 | 2,492 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,167,000 | 3,753 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,236,000 | 7,179 |
| Total interest expense | $1,106,000 | 7,996 |
| Net interest income | $2,130,000 | 6,377 |
| Provision for loan and lease losses | $0 | 8,337 |
| Total noninterest income | $169,000 | 7,634 |
| Gross Fiduciary activities income | $0 | 1,332 |
| Service charges on deposit accounts | $152,000 | 5,729 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $17,000 | 9,087 |
| Total noninterest expense | $909,000 | 8,281 |
| Salaries and employee benefits | $498,000 | 8,250 |
| Premises and equipment expense | $102,000 | 8,406 |
| Additional noninterest expense | $309,000 | 7,877 |
| Pre-tax net operating income | $1,390,000 | 4,297 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $0 | 8,362 |
| Income before extraordinary items | $1,390,000 | 3,454 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,390,000 | 3,452 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 7,352 |
| Cash dividends | $1,332,000 | 1,811 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $1,390,000 | 3,438 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,852,000 | 7,538 |
| Total interest expense | $944,000 | 8,329 |
| Net interest income | $1,908,000 | 6,813 |
| Provision for loan and lease losses | $52,000 | 6,466 |
| Total noninterest income | $174,000 | 7,786 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $157,000 | 5,727 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $17,000 | 9,383 |
| Total noninterest expense | $870,000 | 8,538 |
| Salaries and employee benefits | $493,000 | 8,374 |
| Premises and equipment expense | $90,000 | 8,819 |
| Additional noninterest expense | $287,000 | 8,229 |
| Pre-tax net operating income | $1,163,000 | 4,862 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $0 | 8,765 |
| Income before extraordinary items | $1,163,000 | 3,976 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,163,000 | 3,977 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,897 |
| Cash dividends | $1,193,000 | 2,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,163,000 | 3,940 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,936,000 | 7,609 |
| Total interest expense | $1,012,000 | 8,392 |
| Net interest income | $1,924,000 | 6,810 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $153,000 | 8,184 |
| Gross Fiduciary activities income | $0 | 1,398 |
| Service charges on deposit accounts | $131,000 | 6,250 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $22,000 | 9,387 |
| Total noninterest expense | $872,000 | 8,524 |
| Salaries and employee benefits | $481,000 | 8,483 |
| Premises and equipment expense | $98,000 | 8,759 |
| Additional noninterest expense | $293,000 | 8,176 |
| Pre-tax net operating income | $1,205,000 | 4,871 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $0 | 9,340 |
| Income before extraordinary items | $1,205,000 | 3,915 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,205,000 | 3,914 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 7,505 |
| Cash dividends | $728,000 | 2,783 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,205,000 | 3,829 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $2,895,000 | 7,890 |
| Total interest expense | $922,000 | 8,898 |
| Net interest income | $1,973,000 | 6,968 |
| Provision for loan and lease losses | $0 | 8,829 |
| Total noninterest income | $148,000 | 8,621 |
| Gross Fiduciary activities income | $0 | 1,450 |
| Service charges on deposit accounts | $137,000 | 6,415 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $11,000 | 10,359 |
| Total noninterest expense | $872,000 | 8,777 |
| Salaries and employee benefits | $509,000 | 8,539 |
| Premises and equipment expense | $107,000 | 8,804 |
| Additional noninterest expense | $256,000 | 8,776 |
| Pre-tax net operating income | $1,249,000 | 5,102 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $0 | 10,065 |
| Income before extraordinary items | $1,249,000 | 3,927 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,249,000 | 3,926 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-52,000 | 10,555 |
| Cash dividends | $1,155,000 | 1,947 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,249,000 | 3,856 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $2,917,000 | 8,105 |
| Total interest expense | $936,000 | 9,220 |
| Net interest income | $1,981,000 | 7,186 |
| Provision for loan and lease losses | $84,000 | 5,516 |
| Total noninterest income | $161,000 | 8,831 |
| Gross Fiduciary activities income | $0 | 1,526 |
| Service charges on deposit accounts | $148,000 | 6,499 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $13,000 | 10,823 |
| Total noninterest expense | $817,000 | 9,370 |
| Salaries and employee benefits | $483,000 | 9,011 |
| Premises and equipment expense | $79,000 | 9,841 |
| Additional noninterest expense | $255,000 | 9,341 |
| Pre-tax net operating income | $1,241,000 | 5,015 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $492,000 | 4,200 |
| Income before extraordinary items | $749,000 | 5,531 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $749,000 | 5,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 4,157 |
| Cash dividends | $330,000 | 4,303 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $749,000 | 5,476 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,928,000 | 8,318 |
| Total interest expense | $938,000 | 9,470 |
| Net interest income | $1,990,000 | 7,340 |
| Provision for loan and lease losses | $86,000 | 4,934 |
| Total noninterest income | $161,000 | 9,123 |
| Gross Fiduciary activities income | $0 | 1,590 |
| Service charges on deposit accounts | $149,000 | 6,689 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $12,000 | 11,383 |
| Total noninterest expense | $829,000 | 9,647 |
| Salaries and employee benefits | $470,000 | 9,360 |
| Premises and equipment expense | $87,000 | 10,006 |
| Additional noninterest expense | $272,000 | 9,576 |
| Pre-tax net operating income | $1,236,000 | 5,153 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $393,000 | 5,011 |
| Income before extraordinary items | $843,000 | 5,245 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $843,000 | 5,242 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,482 |
| Cash dividends | $680,000 | 2,706 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $843,000 | 5,230 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,400,000 | 9,088 |
| Total interest expense | $629,000 | 10,460 |
| Net interest income | $1,771,000 | 8,115 |
| Provision for loan and lease losses | $36,000 | 6,762 |
| Total noninterest income | $151,000 | 9,686 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $134,000 | 7,250 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $17,000 | 11,641 |
| Total noninterest expense | $823,000 | 10,123 |
| Salaries and employee benefits | $434,000 | 9,968 |
| Premises and equipment expense | $82,000 | 10,584 |
| Additional noninterest expense | $307,000 | 9,885 |
| Pre-tax net operating income | $1,063,000 | 5,706 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $325,000 | 5,574 |
| Income before extraordinary items | $738,000 | 5,675 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $738,000 | 5,693 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,704 |
| Cash dividends | $735,000 | 2,441 |
| Sale, conversion, retirement of capital stock, net | $-5,000,000 | 12,595 |
| Net operating income | $738,000 | 5,752 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,981,000 | 5,800 |
| Total interest expense | $2,121,000 | 5,561 |
| Net interest income | $2,860,000 | 5,862 |
| Provision for loan and lease losses | $54,000 | 7,292 |
| Total noninterest income | $435,000 | 6,137 |
| Gross Fiduciary activities income | $0 | 1,630 |
| Service charges on deposit accounts | $334,000 | 4,038 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $101,000 | 7,826 |
| Total noninterest expense | $2,439,000 | 5,385 |
| Salaries and employee benefits | $1,202,000 | 5,230 |
| Premises and equipment expense | $328,000 | 5,487 |
| Additional noninterest expense | $909,000 | 5,324 |
| Pre-tax net operating income | $802,000 | 6,798 |
| Securities gains (losses) | $28,000 | 4,186 |
| Applicable income taxes | $251,000 | 6,774 |
| Income before extraordinary items | $579,000 | 6,937 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $579,000 | 7,112 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 7,032 |
| Cash dividends | $550,000 | 2,841 |
| Sale, conversion, retirement of capital stock, net | $5,316,000 | 188 |
| Net operating income | $559,400 | 6,820 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,997,000 | 10,896 |
| Total interest expense | $681,000 | 11,915 |
| Net interest income | $1,316,000 | 9,926 |
| Provision for loan and lease losses | $35,000 | 9,755 |
| Total noninterest income | $146,000 | 10,574 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 8,026 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $29,000 | 11,840 |
| Total noninterest expense | $745,000 | 11,280 |
| Salaries and employee benefits | $404,000 | 10,813 |
| Premises and equipment expense | $73,000 | 11,760 |
| Additional noninterest expense | $268,000 | 11,302 |
| Pre-tax net operating income | $682,000 | 7,200 |
| Securities gains (losses) | $1,000 | 7,986 |
| Applicable income taxes | $240,000 | 6,828 |
| Income before extraordinary items | $443,000 | 7,800 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $443,000 | 7,918 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 9,710 |
| Cash dividends | $360,000 | 3,572 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $442,350 | 7,458 |
* 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.