Home > First National Bank of the North > Income and Expense
First National Bank of the North, Income and Expense
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $1,830,000 | 5,448 |
| Total interest expense | $265,000 | 5,968 |
| Net interest income | $1,565,000 | 5,234 |
| Provision for loan and lease losses | $168,000 | 3,767 |
| Total noninterest income | $128,000 | 5,549 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $28,000 | 6,269 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $100,000 | 4,543 |
| Total noninterest expense | $1,193,000 | 5,525 |
| Salaries and employee benefits | $622,000 | 5,500 |
| Premises and equipment expense | $100,000 | 6,083 |
| Additional noninterest expense | $471,000 | 5,154 |
| Pre-tax net operating income | $332,000 | 4,472 |
| Securities gains (losses) | $55,000 | 1,535 |
| Applicable income taxes | $0 | 4,697 |
| Income before extraordinary items | $387,000 | 4,041 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $387,000 | 4,041 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $387,000 | 4,043 |
| Net charge-offs | $179,000 | 3,228 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $332,000 | 4,204 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $917,000 | 5,473 |
| Total interest expense | $137,000 | 6,013 |
| Net interest income | $780,000 | 5,237 |
| Provision for loan and lease losses | $168,000 | 2,644 |
| Total noninterest income | $80,000 | 5,283 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $15,000 | 6,157 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $65,000 | 4,260 |
| Total noninterest expense | $570,000 | 5,666 |
| Salaries and employee benefits | $298,000 | 5,619 |
| Premises and equipment expense | $45,000 | 6,311 |
| Additional noninterest expense | $227,000 | 5,226 |
| Pre-tax net operating income | $122,000 | 4,907 |
| Securities gains (losses) | $23,000 | 1,043 |
| Applicable income taxes | $0 | 4,545 |
| Income before extraordinary items | $145,000 | 4,507 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $145,000 | 4,506 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $145,000 | 4,507 |
| Net charge-offs | $18,000 | 4,096 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $122,000 | 4,683 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $3,845,000 | 5,487 |
| Total interest expense | $774,000 | 5,780 |
| Net interest income | $3,071,000 | 5,290 |
| Provision for loan and lease losses | $743,000 | 3,504 |
| Total noninterest income | $214,000 | 5,864 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $61,000 | 6,060 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $153,000 | 4,946 |
| Total noninterest expense | $2,215,000 | 5,791 |
| Salaries and employee benefits | $1,221,000 | 5,634 |
| Premises and equipment expense | $173,000 | 6,437 |
| Additional noninterest expense | $821,000 | 5,569 |
| Pre-tax net operating income | $327,000 | 4,819 |
| Securities gains (losses) | $127,000 | 1,954 |
| Applicable income taxes | $0 | 4,655 |
| Income before extraordinary items | $454,000 | 4,445 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $454,000 | 4,445 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $454,000 | 4,445 |
| Net charge-offs | $451,000 | 3,789 |
| Cash dividends | $0 | 4,193 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $327,000 | 4,705 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $2,920,000 | 5,553 |
| Total interest expense | $624,000 | 5,787 |
| Net interest income | $2,296,000 | 5,368 |
| Provision for loan and lease losses | $592,000 | 3,279 |
| Total noninterest income | $161,000 | 5,977 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $45,000 | 6,161 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $116,000 | 5,016 |
| Total noninterest expense | $1,633,000 | 5,861 |
| Salaries and employee benefits | $921,000 | 5,641 |
| Premises and equipment expense | $120,000 | 6,628 |
| Additional noninterest expense | $592,000 | 5,676 |
| Pre-tax net operating income | $232,000 | 5,130 |
| Securities gains (losses) | $86,000 | 2,052 |
| Applicable income taxes | $0 | 4,726 |
| Income before extraordinary items | $318,000 | 4,788 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $318,000 | 4,791 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $318,000 | 4,791 |
| Net charge-offs | $398,000 | 3,361 |
| Cash dividends | $0 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $232,000 | 4,998 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $1,945,000 | 5,604 |
| Total interest expense | $451,000 | 5,718 |
| Net interest income | $1,494,000 | 5,455 |
| Provision for loan and lease losses | $549,000 | 2,735 |
| Total noninterest income | $108,000 | 5,969 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $31,000 | 6,151 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $77,000 | 5,031 |
| Total noninterest expense | $1,100,000 | 5,878 |
| Salaries and employee benefits | $627,000 | 5,622 |
| Premises and equipment expense | $86,000 | 6,573 |
| Additional noninterest expense | $387,000 | 5,730 |
| Pre-tax net operating income | $-47,000 | 6,177 |
| Securities gains (losses) | $65,000 | 1,719 |
| Applicable income taxes | $0 | 4,691 |
| Income before extraordinary items | $18,000 | 6,085 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $18,000 | 6,087 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $18,000 | 6,086 |
| Net charge-offs | $363,000 | 2,830 |
| Cash dividends | $0 | 3,476 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-47,000 | 6,219 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $961,000 | 5,700 |
| Total interest expense | $225,000 | 5,844 |
| Net interest income | $736,000 | 5,524 |
| Provision for loan and lease losses | $225,000 | 2,809 |
| Total noninterest income | $50,000 | 6,127 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $16,000 | 6,154 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $34,000 | 5,280 |
| Total noninterest expense | $498,000 | 6,171 |
| Salaries and employee benefits | $298,000 | 5,837 |
| Premises and equipment expense | $38,000 | 6,814 |
| Additional noninterest expense | $162,000 | 6,183 |
| Pre-tax net operating income | $63,000 | 5,503 |
| Securities gains (losses) | $6,000 | 1,850 |
| Applicable income taxes | $0 | 4,611 |
| Income before extraordinary items | $69,000 | 5,414 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $69,000 | 5,416 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $69,000 | 5,415 |
| Net charge-offs | $207,000 | 2,393 |
| Cash dividends | $0 | 2,646 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $63,000 | 5,394 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $3,941,000 | 5,758 |
| Total interest expense | $951,000 | 6,123 |
| Net interest income | $2,990,000 | 5,394 |
| Provision for loan and lease losses | $442,000 | 4,732 |
| Total noninterest income | $165,000 | 6,474 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $50,000 | 6,472 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $115,000 | 5,477 |
| Total noninterest expense | $2,304,000 | 5,889 |
| Salaries and employee benefits | $1,296,000 | 5,616 |
| Premises and equipment expense | $191,000 | 6,558 |
| Additional noninterest expense | $817,000 | 5,777 |
| Pre-tax net operating income | $409,000 | 4,215 |
| Securities gains (losses) | $-4,000 | 6,931 |
| Applicable income taxes | $0 | 4,388 |
| Income before extraordinary items | $405,000 | 4,158 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $405,000 | 4,157 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $405,000 | 4,157 |
| Net charge-offs | $261,000 | 4,668 |
| Cash dividends | $190,000 | 3,698 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $409,000 | 4,075 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $2,963,000 | 5,804 |
| Total interest expense | $721,000 | 6,240 |
| Net interest income | $2,242,000 | 5,415 |
| Provision for loan and lease losses | $262,000 | 4,809 |
| Total noninterest income | $115,000 | 6,674 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $35,000 | 6,570 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $80,000 | 5,686 |
| Total noninterest expense | $1,567,000 | 6,156 |
| Salaries and employee benefits | $994,000 | 5,598 |
| Premises and equipment expense | $138,000 | 6,662 |
| Additional noninterest expense | $435,000 | 6,532 |
| Pre-tax net operating income | $528,000 | 3,818 |
| Securities gains (losses) | $-17,000 | 7,272 |
| Applicable income taxes | $0 | 4,592 |
| Income before extraordinary items | $511,000 | 3,655 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $511,000 | 3,653 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $511,000 | 3,655 |
| Net charge-offs | $237,000 | 4,040 |
| Cash dividends | $0 | 4,191 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $528,000 | 3,511 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,948,000 | 5,893 |
| Total interest expense | $483,000 | 6,344 |
| Net interest income | $1,465,000 | 5,463 |
| Provision for loan and lease losses | $250,000 | 3,992 |
| Total noninterest income | $60,000 | 6,991 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $21,000 | 6,685 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $39,000 | 6,109 |
| Total noninterest expense | $1,061,000 | 6,155 |
| Salaries and employee benefits | $664,000 | 5,663 |
| Premises and equipment expense | $99,000 | 6,592 |
| Additional noninterest expense | $298,000 | 6,503 |
| Pre-tax net operating income | $214,000 | 4,567 |
| Securities gains (losses) | $-17,000 | 7,512 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $197,000 | 4,552 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $197,000 | 4,550 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $197,000 | 4,550 |
| Net charge-offs | $223,000 | 3,299 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $214,000 | 4,343 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $958,000 | 5,980 |
| Total interest expense | $242,000 | 6,460 |
| Net interest income | $716,000 | 5,516 |
| Provision for loan and lease losses | $45,000 | 4,992 |
| Total noninterest income | $25,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $10,000 | 6,707 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $15,000 | 6,478 |
| Total noninterest expense | $506,000 | 6,245 |
| Salaries and employee benefits | $321,000 | 5,804 |
| Premises and equipment expense | $47,000 | 6,737 |
| Additional noninterest expense | $138,000 | 6,509 |
| Pre-tax net operating income | $190,000 | 4,133 |
| Securities gains (losses) | $-13,000 | 7,850 |
| Applicable income taxes | $0 | 4,835 |
| Income before extraordinary items | $177,000 | 4,067 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $177,000 | 4,070 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $177,000 | 4,070 |
| Net charge-offs | $3,000 | 5,319 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $190,000 | 3,795 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,192,000 | 5,903 |
| Total interest expense | $1,191,000 | 6,449 |
| Net interest income | $3,001,000 | 5,416 |
| Provision for loan and lease losses | $90,000 | 6,145 |
| Total noninterest income | $168,000 | 6,724 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $38,000 | 6,802 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $130,000 | 5,541 |
| Total noninterest expense | $2,073,000 | 6,149 |
| Salaries and employee benefits | $1,275,000 | 5,800 |
| Premises and equipment expense | $215,000 | 6,546 |
| Additional noninterest expense | $583,000 | 6,294 |
| Pre-tax net operating income | $1,006,000 | 3,744 |
| Securities gains (losses) | $-484,000 | 7,538 |
| Applicable income taxes | $12,000 | 4,478 |
| Income before extraordinary items | $510,000 | 4,414 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $510,000 | 4,413 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 5,167 |
| Cash dividends | $665,000 | 2,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $984,320 | 3,465 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,200,000 | 5,933 |
| Total interest expense | $927,000 | 6,500 |
| Net interest income | $2,273,000 | 5,433 |
| Provision for loan and lease losses | $90,000 | 5,263 |
| Total noninterest income | $134,000 | 6,744 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $28,000 | 6,864 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $106,000 | 5,543 |
| Total noninterest expense | $1,606,000 | 6,041 |
| Salaries and employee benefits | $968,000 | 5,791 |
| Premises and equipment expense | $160,000 | 6,589 |
| Additional noninterest expense | $478,000 | 6,026 |
| Pre-tax net operating income | $711,000 | 4,313 |
| Securities gains (losses) | $-230,000 | 7,625 |
| Applicable income taxes | $12,000 | 4,805 |
| Income before extraordinary items | $469,000 | 4,546 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $469,000 | 4,544 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,512 |
| Cash dividends | $570,000 | 2,575 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $694,400 | 3,972 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,172,000 | 5,956 |
| Total interest expense | $645,000 | 6,539 |
| Net interest income | $1,527,000 | 5,420 |
| Provision for loan and lease losses | $90,000 | 4,395 |
| Total noninterest income | $85,000 | 6,870 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $19,000 | 6,886 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $66,000 | 5,727 |
| Total noninterest expense | $1,055,000 | 6,125 |
| Salaries and employee benefits | $656,000 | 5,787 |
| Premises and equipment expense | $110,000 | 6,581 |
| Additional noninterest expense | $289,000 | 6,277 |
| Pre-tax net operating income | $467,000 | 4,488 |
| Securities gains (losses) | $-21,000 | 8,181 |
| Applicable income taxes | $12,000 | 4,921 |
| Income before extraordinary items | $434,000 | 4,312 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $434,000 | 4,313 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 5,608 |
| Cash dividends | $380,000 | 2,647 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $454,370 | 4,159 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,113,000 | 5,984 |
| Total interest expense | $342,000 | 6,575 |
| Net interest income | $771,000 | 5,408 |
| Provision for loan and lease losses | $30,000 | 4,346 |
| Total noninterest income | $36,000 | 7,103 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $9,000 | 6,931 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $27,000 | 6,042 |
| Total noninterest expense | $533,000 | 6,137 |
| Salaries and employee benefits | $365,000 | 5,513 |
| Premises and equipment expense | $53,000 | 6,667 |
| Additional noninterest expense | $115,000 | 6,809 |
| Pre-tax net operating income | $244,000 | 4,575 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $6,000 | 5,045 |
| Income before extraordinary items | $238,000 | 4,302 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $238,000 | 4,304 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $190,000 | 2,396 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $238,000 | 4,201 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,697,000 | 5,876 |
| Total interest expense | $1,704,000 | 6,170 |
| Net interest income | $2,993,000 | 5,505 |
| Provision for loan and lease losses | $-10,000 | 8,234 |
| Total noninterest income | $167,000 | 6,985 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $38,000 | 6,925 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $129,000 | 5,824 |
| Total noninterest expense | $2,137,000 | 6,035 |
| Salaries and employee benefits | $1,296,000 | 5,756 |
| Premises and equipment expense | $240,000 | 6,337 |
| Additional noninterest expense | $601,000 | 6,118 |
| Pre-tax net operating income | $1,033,000 | 4,679 |
| Securities gains (losses) | $-3,000 | 7,272 |
| Applicable income taxes | $24,000 | 5,330 |
| Income before extraordinary items | $1,006,000 | 4,309 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,006,000 | 4,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,873 |
| Cash dividends | $570,000 | 3,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,008,940 | 4,287 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,551,000 | 5,879 |
| Total interest expense | $1,300,000 | 6,179 |
| Net interest income | $2,251,000 | 5,532 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $120,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $28,000 | 6,967 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $92,000 | 5,943 |
| Total noninterest expense | $1,552,000 | 6,118 |
| Salaries and employee benefits | $961,000 | 5,763 |
| Premises and equipment expense | $169,000 | 6,489 |
| Additional noninterest expense | $422,000 | 6,256 |
| Pre-tax net operating income | $819,000 | 4,791 |
| Securities gains (losses) | $-5,000 | 7,616 |
| Applicable income taxes | $18,000 | 5,533 |
| Income before extraordinary items | $796,000 | 4,359 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $796,000 | 4,359 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 7,646 |
| Cash dividends | $380,000 | 3,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $800,900 | 4,336 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,344,000 | 5,928 |
| Total interest expense | $872,000 | 6,189 |
| Net interest income | $1,472,000 | 5,610 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $75,000 | 7,211 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $19,000 | 7,003 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $56,000 | 6,100 |
| Total noninterest expense | $1,026,000 | 6,184 |
| Salaries and employee benefits | $646,000 | 5,790 |
| Premises and equipment expense | $121,000 | 6,346 |
| Additional noninterest expense | $259,000 | 6,499 |
| Pre-tax net operating income | $521,000 | 4,952 |
| Securities gains (losses) | $-5,000 | 7,859 |
| Applicable income taxes | $12,000 | 5,584 |
| Income before extraordinary items | $504,000 | 4,528 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $504,000 | 4,529 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 7,195 |
| Cash dividends | $190,000 | 3,734 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $508,900 | 4,505 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,180,000 | 5,922 |
| Total interest expense | $453,000 | 6,083 |
| Net interest income | $727,000 | 5,664 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $34,000 | 7,326 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $9,000 | 7,042 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $25,000 | 6,275 |
| Total noninterest expense | $519,000 | 6,185 |
| Salaries and employee benefits | $362,000 | 5,485 |
| Premises and equipment expense | $58,000 | 6,480 |
| Additional noninterest expense | $99,000 | 7,103 |
| Pre-tax net operating income | $242,000 | 5,118 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $6,000 | 5,609 |
| Income before extraordinary items | $236,000 | 4,695 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $236,000 | 4,697 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-8,000 | 7,735 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $236,000 | 4,677 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,521,000 | 5,821 |
| Total interest expense | $1,665,000 | 5,869 |
| Net interest income | $2,856,000 | 5,673 |
| Provision for loan and lease losses | $-2,000 | 8,298 |
| Total noninterest income | $167,000 | 7,174 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $33,000 | 7,126 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $134,000 | 5,839 |
| Total noninterest expense | $2,145,000 | 5,956 |
| Salaries and employee benefits | $1,277,000 | 5,707 |
| Premises and equipment expense | $240,000 | 6,311 |
| Additional noninterest expense | $628,000 | 5,931 |
| Pre-tax net operating income | $880,000 | 5,455 |
| Securities gains (losses) | $12,000 | 1,037 |
| Applicable income taxes | $25,000 | 5,836 |
| Income before extraordinary items | $867,000 | 5,032 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $867,000 | 5,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 6,238 |
| Cash dividends | $817,000 | 2,906 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $855,360 | 5,057 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,361,000 | 5,854 |
| Total interest expense | $1,215,000 | 5,888 |
| Net interest income | $2,146,000 | 5,710 |
| Provision for loan and lease losses | $16,000 | 6,161 |
| Total noninterest income | $118,000 | 7,302 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $23,000 | 7,228 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $95,000 | 5,936 |
| Total noninterest expense | $1,561,000 | 6,035 |
| Salaries and employee benefits | $949,000 | 5,708 |
| Premises and equipment expense | $176,000 | 6,394 |
| Additional noninterest expense | $436,000 | 6,156 |
| Pre-tax net operating income | $687,000 | 5,578 |
| Securities gains (losses) | $11,000 | 877 |
| Applicable income taxes | $19,000 | 5,985 |
| Income before extraordinary items | $679,000 | 5,072 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $679,000 | 5,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,016 |
| Cash dividends | $399,000 | 3,290 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $668,330 | 5,101 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $2,177,000 | 5,918 |
| Total interest expense | $762,000 | 5,930 |
| Net interest income | $1,415,000 | 5,772 |
| Provision for loan and lease losses | $16,000 | 5,712 |
| Total noninterest income | $75,000 | 7,410 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $14,000 | 7,307 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $61,000 | 6,057 |
| Total noninterest expense | $1,007,000 | 6,150 |
| Salaries and employee benefits | $652,000 | 5,645 |
| Premises and equipment expense | $123,000 | 6,290 |
| Additional noninterest expense | $232,000 | 6,757 |
| Pre-tax net operating income | $467,000 | 5,563 |
| Securities gains (losses) | $9,000 | 755 |
| Applicable income taxes | $12,000 | 6,049 |
| Income before extraordinary items | $464,000 | 5,069 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $464,000 | 5,074 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,553 |
| Cash dividends | $209,000 | 3,623 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $455,270 | 5,096 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,067,000 | 5,927 |
| Total interest expense | $347,000 | 6,056 |
| Net interest income | $720,000 | 5,721 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $32,000 | 7,592 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $5,000 | 7,423 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $27,000 | 6,246 |
| Total noninterest expense | $503,000 | 6,172 |
| Salaries and employee benefits | $361,000 | 5,335 |
| Premises and equipment expense | $37,000 | 7,336 |
| Additional noninterest expense | $105,000 | 6,979 |
| Pre-tax net operating income | $249,000 | 5,388 |
| Securities gains (losses) | $-1,000 | 7,892 |
| Applicable income taxes | $6,000 | 6,016 |
| Income before extraordinary items | $242,000 | 4,923 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $242,000 | 4,923 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,900 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $242,980 | 4,900 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $4,080,000 | 5,769 |
| Total interest expense | $1,178,000 | 5,850 |
| Net interest income | $2,902,000 | 5,607 |
| Provision for loan and lease losses | $-63,000 | 8,599 |
| Total noninterest income | $144,000 | 7,552 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $12,000 | 7,570 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $132,000 | 5,948 |
| Total noninterest expense | $2,110,000 | 5,927 |
| Salaries and employee benefits | $1,265,000 | 5,612 |
| Premises and equipment expense | $247,000 | 6,249 |
| Additional noninterest expense | $598,000 | 6,070 |
| Pre-tax net operating income | $999,000 | 5,368 |
| Securities gains (losses) | $-54,000 | 8,214 |
| Applicable income taxes | $20,000 | 6,327 |
| Income before extraordinary items | $925,000 | 5,013 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $925,000 | 5,015 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-154,000 | 8,701 |
| Cash dividends | $1,422,000 | 1,895 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $977,920 | 4,856 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $3,033,000 | 5,762 |
| Total interest expense | $874,000 | 5,793 |
| Net interest income | $2,159,000 | 5,648 |
| Provision for loan and lease losses | $-35,000 | 8,644 |
| Total noninterest income | $108,000 | 7,578 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $9,000 | 7,622 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $99,000 | 5,963 |
| Total noninterest expense | $1,563,000 | 5,928 |
| Salaries and employee benefits | $938,000 | 5,633 |
| Premises and equipment expense | $183,000 | 6,246 |
| Additional noninterest expense | $442,000 | 6,077 |
| Pre-tax net operating income | $739,000 | 5,529 |
| Securities gains (losses) | $-28,000 | 8,307 |
| Applicable income taxes | $9,000 | 6,562 |
| Income before extraordinary items | $702,000 | 5,084 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $702,000 | 5,086 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-150,000 | 8,702 |
| Cash dividends | $1,270,000 | 1,514 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $729,720 | 4,932 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,981,000 | 5,768 |
| Total interest expense | $556,000 | 5,770 |
| Net interest income | $1,425,000 | 5,650 |
| Provision for loan and lease losses | $-35,000 | 8,683 |
| Total noninterest income | $71,000 | 7,596 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $6,000 | 7,638 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $65,000 | 6,001 |
| Total noninterest expense | $1,032,000 | 5,957 |
| Salaries and employee benefits | $627,000 | 5,607 |
| Premises and equipment expense | $124,000 | 6,206 |
| Additional noninterest expense | $281,000 | 6,187 |
| Pre-tax net operating income | $499,000 | 5,492 |
| Securities gains (losses) | $-23,000 | 8,407 |
| Applicable income taxes | $9,000 | 6,449 |
| Income before extraordinary items | $467,000 | 5,046 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $467,000 | 5,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-168,000 | 8,738 |
| Cash dividends | $985,000 | 1,354 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $489,540 | 4,885 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $984,000 | 5,782 |
| Total interest expense | $266,000 | 5,801 |
| Net interest income | $718,000 | 5,659 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $33,000 | 7,681 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $3,000 | 7,690 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $30,000 | 6,174 |
| Total noninterest expense | $491,000 | 6,175 |
| Salaries and employee benefits | $320,000 | 5,581 |
| Premises and equipment expense | $60,000 | 6,332 |
| Additional noninterest expense | $111,000 | 6,877 |
| Pre-tax net operating income | $260,000 | 5,357 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $0 | 6,892 |
| Income before extraordinary items | $260,000 | 4,757 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $260,000 | 4,758 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-145,000 | 8,841 |
| Cash dividends | $700,000 | 908 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $260,000 | 4,720 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,747,000 | 5,767 |
| Total interest expense | $991,000 | 5,681 |
| Net interest income | $2,756,000 | 5,697 |
| Provision for loan and lease losses | $-165,000 | 8,830 |
| Total noninterest income | $216,000 | 7,022 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $11,000 | 7,764 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $205,000 | 5,059 |
| Total noninterest expense | $2,025,000 | 5,963 |
| Salaries and employee benefits | $1,272,000 | 5,514 |
| Premises and equipment expense | $201,000 | 6,755 |
| Additional noninterest expense | $552,000 | 6,263 |
| Pre-tax net operating income | $1,112,000 | 4,975 |
| Securities gains (losses) | $16,000 | 2,543 |
| Applicable income taxes | $373,000 | 3,835 |
| Income before extraordinary items | $755,000 | 5,404 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $755,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $13,000 | 5,996 |
| Cash dividends | $308,000 | 4,289 |
| Sale, conversion, retirement of capital stock, net | $557,000 | 461 |
| Net operating income | $744,280 | 5,351 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,703,000 | 5,878 |
| Total interest expense | $731,000 | 5,704 |
| Net interest income | $1,972,000 | 5,835 |
| Provision for loan and lease losses | $-13,000 | 8,785 |
| Total noninterest income | $157,000 | 7,095 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $8,000 | 7,809 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $149,000 | 5,142 |
| Total noninterest expense | $1,347,000 | 6,326 |
| Salaries and employee benefits | $877,000 | 5,732 |
| Premises and equipment expense | $140,000 | 6,884 |
| Additional noninterest expense | $330,000 | 6,878 |
| Pre-tax net operating income | $795,000 | 5,198 |
| Securities gains (losses) | $-4,000 | 8,316 |
| Applicable income taxes | $307,000 | 3,759 |
| Income before extraordinary items | $484,000 | 5,889 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $484,000 | 5,889 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,550 |
| Cash dividends | $308,000 | 3,389 |
| Sale, conversion, retirement of capital stock, net | $557,000 | 352 |
| Net operating income | $486,560 | 5,806 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,739,000 | 5,992 |
| Total interest expense | $478,000 | 5,776 |
| Net interest income | $1,261,000 | 5,988 |
| Provision for loan and lease losses | $-13,000 | 8,872 |
| Total noninterest income | $101,000 | 7,225 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $5,000 | 7,870 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $96,000 | 5,236 |
| Total noninterest expense | $883,000 | 6,416 |
| Salaries and employee benefits | $564,000 | 5,886 |
| Premises and equipment expense | $96,000 | 6,873 |
| Additional noninterest expense | $223,000 | 6,873 |
| Pre-tax net operating income | $492,000 | 5,345 |
| Securities gains (losses) | $-6,000 | 8,606 |
| Applicable income taxes | $191,000 | 3,862 |
| Income before extraordinary items | $295,000 | 6,071 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $295,000 | 6,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,107 |
| Cash dividends | $308,000 | 2,825 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $298,840 | 5,971 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $891,000 | 5,948 |
| Total interest expense | $244,000 | 5,783 |
| Net interest income | $647,000 | 5,885 |
| Provision for loan and lease losses | $-13,000 | 8,936 |
| Total noninterest income | $55,000 | 7,060 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,000 | 7,932 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $54,000 | 4,970 |
| Total noninterest expense | $459,000 | 6,336 |
| Salaries and employee benefits | $288,000 | 5,851 |
| Premises and equipment expense | $47,000 | 6,927 |
| Additional noninterest expense | $124,000 | 6,581 |
| Pre-tax net operating income | $256,000 | 5,223 |
| Securities gains (losses) | $3,000 | 2,499 |
| Applicable income taxes | $115,000 | 3,550 |
| Income before extraordinary items | $144,000 | 6,109 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $144,000 | 6,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,134 |
| Cash dividends | $308,000 | 1,683 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $142,080 | 6,019 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $3,778,000 | 5,827 |
| Total interest expense | $1,113,000 | 5,809 |
| Net interest income | $2,665,000 | 5,684 |
| Provision for loan and lease losses | $-189,000 | 9,078 |
| Total noninterest income | $189,000 | 7,441 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $13,000 | 7,904 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $176,000 | 5,544 |
| Total noninterest expense | $1,900,000 | 6,156 |
| Salaries and employee benefits | $1,181,000 | 5,698 |
| Premises and equipment expense | $177,000 | 7,066 |
| Additional noninterest expense | $542,000 | 6,298 |
| Pre-tax net operating income | $1,143,000 | 4,795 |
| Securities gains (losses) | $57,000 | 2,386 |
| Applicable income taxes | $495,000 | 3,396 |
| Income before extraordinary items | $705,000 | 5,572 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $705,000 | 5,574 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-79,000 | 9,009 |
| Cash dividends | $210,000 | 4,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $668,520 | 5,538 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,862,000 | 5,864 |
| Total interest expense | $854,000 | 5,885 |
| Net interest income | $2,008,000 | 5,700 |
| Provision for loan and lease losses | $-162,000 | 9,159 |
| Total noninterest income | $149,000 | 7,407 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $10,000 | 7,963 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $139,000 | 5,488 |
| Total noninterest expense | $1,395,000 | 6,188 |
| Salaries and employee benefits | $830,000 | 5,894 |
| Premises and equipment expense | $150,000 | 6,787 |
| Additional noninterest expense | $415,000 | 6,226 |
| Pre-tax net operating income | $924,000 | 4,768 |
| Securities gains (losses) | $46,000 | 2,381 |
| Applicable income taxes | $357,000 | 3,602 |
| Income before extraordinary items | $613,000 | 5,343 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $613,000 | 5,342 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-81,000 | 9,048 |
| Cash dividends | $210,000 | 3,950 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $583,560 | 5,281 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,905,000 | 5,908 |
| Total interest expense | $590,000 | 5,905 |
| Net interest income | $1,315,000 | 5,748 |
| Provision for loan and lease losses | $-126,000 | 9,206 |
| Total noninterest income | $102,000 | 7,368 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $6,000 | 8,002 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $96,000 | 5,386 |
| Total noninterest expense | $858,000 | 6,495 |
| Salaries and employee benefits | $554,000 | 5,884 |
| Premises and equipment expense | $77,000 | 7,361 |
| Additional noninterest expense | $227,000 | 6,801 |
| Pre-tax net operating income | $685,000 | 4,487 |
| Securities gains (losses) | $11,000 | 2,898 |
| Applicable income taxes | $252,000 | 3,542 |
| Income before extraordinary items | $444,000 | 5,118 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $444,000 | 5,118 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-70,000 | 9,059 |
| Cash dividends | $140,000 | 3,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $436,960 | 4,968 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $913,000 | 6,055 |
| Total interest expense | $303,000 | 5,910 |
| Net interest income | $610,000 | 6,013 |
| Provision for loan and lease losses | $-94,000 | 9,262 |
| Total noninterest income | $49,000 | 7,390 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $3,000 | 8,021 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $46,000 | 5,422 |
| Total noninterest expense | $426,000 | 6,524 |
| Salaries and employee benefits | $270,000 | 5,979 |
| Premises and equipment expense | $32,000 | 7,760 |
| Additional noninterest expense | $124,000 | 6,544 |
| Pre-tax net operating income | $327,000 | 4,568 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $128,000 | 3,508 |
| Income before extraordinary items | $199,000 | 5,348 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $199,000 | 5,347 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-27,000 | 8,961 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $199,000 | 5,157 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,075,000 | 5,127 |
| Total interest expense | $1,946,000 | 4,877 |
| Net interest income | $3,129,000 | 5,165 |
| Provision for loan and lease losses | $251,000 | 3,851 |
| Total noninterest income | $1,597,000 | 2,519 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $14,000 | 8,042 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $1,583,000 | 1,581 |
| Total noninterest expense | $2,717,000 | 4,793 |
| Salaries and employee benefits | $1,513,000 | 4,667 |
| Premises and equipment expense | $334,000 | 5,236 |
| Additional noninterest expense | $870,000 | 4,651 |
| Pre-tax net operating income | $1,758,000 | 3,717 |
| Securities gains (losses) | $80,000 | 1,959 |
| Applicable income taxes | $717,000 | 2,797 |
| Income before extraordinary items | $1,121,000 | 4,273 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,121,000 | 4,274 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $795,000 | 1,168 |
| Cash dividends | $3,500,000 | 823 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,069,800 | 4,302 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $6,790,000 | 4,533 |
| Total interest expense | $3,483,000 | 4,219 |
| Net interest income | $3,307,000 | 4,741 |
| Provision for loan and lease losses | $1,295,000 | 1,022 |
| Total noninterest income | $1,552,000 | 2,453 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $16,000 | 8,188 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $1,536,000 | 1,491 |
| Total noninterest expense | $2,970,000 | 4,364 |
| Salaries and employee benefits | $1,518,000 | 4,470 |
| Premises and equipment expense | $309,000 | 5,432 |
| Additional noninterest expense | $1,143,000 | 3,656 |
| Pre-tax net operating income | $594,000 | 6,188 |
| Securities gains (losses) | $27,000 | 2,903 |
| Applicable income taxes | $0 | 7,903 |
| Income before extraordinary items | $621,000 | 5,516 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $621,000 | 5,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,202,000 | 821 |
| Cash dividends | $0 | 6,617 |
| Sale, conversion, retirement of capital stock, net | $2,003,000 | 301 |
| Net operating income | $594,000 | 5,528 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $4,462,000 | 6,121 |
| Total interest expense | $2,176,000 | 6,010 |
| Net interest income | $2,286,000 | 6,138 |
| Provision for loan and lease losses | $520,000 | 1,812 |
| Total noninterest income | $200,000 | 7,270 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $15,000 | 8,343 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $185,000 | 4,965 |
| Total noninterest expense | $1,574,000 | 6,551 |
| Salaries and employee benefits | $1,000,000 | 5,918 |
| Premises and equipment expense | $198,000 | 6,805 |
| Additional noninterest expense | $376,000 | 7,353 |
| Pre-tax net operating income | $392,000 | 7,517 |
| Securities gains (losses) | $-130,000 | 9,481 |
| Applicable income taxes | $93,000 | 6,606 |
| Income before extraordinary items | $169,000 | 8,288 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $169,000 | 8,287 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $393,000 | 1,495 |
| Cash dividends | $193,000 | 5,203 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $253,500 | 7,757 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $4,159,000 | 6,227 |
| Total interest expense | $1,973,000 | 6,046 |
| Net interest income | $2,186,000 | 6,308 |
| Provision for loan and lease losses | $12,000 | 7,978 |
| Total noninterest income | $168,000 | 7,867 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $18,000 | 8,532 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,606 |
| Total noninterest expense | $1,387,000 | 7,074 |
| Salaries and employee benefits | $905,000 | 6,278 |
| Premises and equipment expense | $127,000 | 8,090 |
| Additional noninterest expense | $355,000 | 7,658 |
| Pre-tax net operating income | $955,000 | 5,439 |
| Securities gains (losses) | $-85,000 | 9,925 |
| Applicable income taxes | $334,000 | 4,583 |
| Income before extraordinary items | $536,000 | 6,224 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $536,000 | 6,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 6,647 |
| Cash dividends | $65,000 | 6,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $590,400 | 5,918 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,948,000 | 6,524 |
| Total interest expense | $1,899,000 | 6,351 |
| Net interest income | $2,049,000 | 6,579 |
| Provision for loan and lease losses | $17,000 | 7,887 |
| Total noninterest income | $224,000 | 7,286 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $23,000 | 8,653 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 4,938 |
| Total noninterest expense | $1,371,000 | 7,040 |
| Salaries and employee benefits | $922,000 | 6,106 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $338,000 | 7,759 |
| Pre-tax net operating income | $885,000 | 5,787 |
| Securities gains (losses) | $8,000 | 3,124 |
| Applicable income taxes | $341,000 | 4,833 |
| Income before extraordinary items | $552,000 | 6,312 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $552,000 | 6,311 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $18,000 | 6,450 |
| Cash dividends | $353,000 | 4,235 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $546,880 | 6,235 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,534,000 | 7,123 |
| Total interest expense | $1,648,000 | 7,012 |
| Net interest income | $1,886,000 | 7,161 |
| Provision for loan and lease losses | $15,000 | 8,110 |
| Total noninterest income | $311,000 | 6,524 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $109,000 | 7,006 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $202,000 | 4,932 |
| Total noninterest expense | $1,345,000 | 7,195 |
| Salaries and employee benefits | $845,000 | 6,560 |
| Premises and equipment expense | $106,000 | 8,826 |
| Additional noninterest expense | $394,000 | 7,407 |
| Pre-tax net operating income | $837,000 | 6,383 |
| Securities gains (losses) | $13,000 | 2,177 |
| Applicable income taxes | $310,000 | 5,627 |
| Income before extraordinary items | $540,000 | 6,736 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $540,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,964 |
| Cash dividends | $521,000 | 3,384 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $531,680 | 6,735 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,308,000 | 7,594 |
| Total interest expense | $1,439,000 | 7,729 |
| Net interest income | $1,869,000 | 7,425 |
| Provision for loan and lease losses | $2,000 | 8,964 |
| Total noninterest income | $201,000 | 8,209 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $102,000 | 7,439 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $99,000 | 7,162 |
| Total noninterest expense | $1,222,000 | 7,930 |
| Salaries and employee benefits | $798,000 | 6,988 |
| Premises and equipment expense | $115,000 | 8,909 |
| Additional noninterest expense | $309,000 | 8,782 |
| Pre-tax net operating income | $846,000 | 6,313 |
| Securities gains (losses) | $9,000 | 2,573 |
| Applicable income taxes | $322,000 | 5,592 |
| Income before extraordinary items | $533,000 | 6,677 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $533,000 | 6,680 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 8,019 |
| Cash dividends | $514,000 | 3,328 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $527,240 | 6,666 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,090,000 | 8,070 |
| Total interest expense | $1,269,000 | 8,375 |
| Net interest income | $1,821,000 | 7,709 |
| Provision for loan and lease losses | $-7,000 | 11,389 |
| Total noninterest income | $228,000 | 8,019 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $118,000 | 7,356 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $110,000 | 6,935 |
| Total noninterest expense | $1,243,000 | 8,067 |
| Salaries and employee benefits | $773,000 | 7,255 |
| Premises and equipment expense | $127,000 | 8,867 |
| Additional noninterest expense | $343,000 | 8,763 |
| Pre-tax net operating income | $813,000 | 6,779 |
| Securities gains (losses) | $9,000 | 2,462 |
| Applicable income taxes | $316,000 | 5,826 |
| Income before extraordinary items | $506,000 | 7,206 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $506,000 | 7,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,576 |
| Cash dividends | $231,000 | 5,157 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $500,240 | 7,222 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,646,000 | 8,656 |
| Total interest expense | $1,006,000 | 8,668 |
| Net interest income | $1,640,000 | 8,481 |
| Provision for loan and lease losses | $27,000 | 7,330 |
| Total noninterest income | $274,000 | 7,591 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $117,000 | 7,668 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 6,078 |
| Total noninterest expense | $1,136,000 | 8,850 |
| Salaries and employee benefits | $670,000 | 8,118 |
| Premises and equipment expense | $112,000 | 9,637 |
| Additional noninterest expense | $354,000 | 9,298 |
| Pre-tax net operating income | $751,000 | 7,124 |
| Securities gains (losses) | $3,000 | 2,889 |
| Applicable income taxes | $281,000 | 6,110 |
| Income before extraordinary items | $473,000 | 7,518 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $473,000 | 7,524 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,569 |
| Cash dividends | $617,000 | 2,748 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $471,080 | 7,575 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,793,000 | 7,128 |
| Total interest expense | $1,596,000 | 6,893 |
| Net interest income | $2,197,000 | 7,195 |
| Provision for loan and lease losses | $-51,000 | 12,763 |
| Total noninterest income | $740,000 | 4,265 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $134,000 | 7,484 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $606,000 | 2,875 |
| Total noninterest expense | $1,529,000 | 7,737 |
| Salaries and employee benefits | $869,000 | 6,903 |
| Premises and equipment expense | $153,000 | 8,816 |
| Additional noninterest expense | $507,000 | 8,140 |
| Pre-tax net operating income | $1,459,000 | 4,434 |
| Securities gains (losses) | $-194,000 | 13,217 |
| Applicable income taxes | $490,000 | 4,263 |
| Income before extraordinary items | $775,000 | 5,700 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $775,000 | 5,837 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 7,654 |
| Cash dividends | $901,000 | 1,930 |
| Sale, conversion, retirement of capital stock, net | $-1,050,000 | 13,254 |
| Net operating income | $899,160 | 4,876 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,722,000 | 6,650 |
| Total interest expense | $2,309,000 | 6,384 |
| Net interest income | $2,413,000 | 6,764 |
| Provision for loan and lease losses | $30,000 | 9,956 |
| Total noninterest income | $205,000 | 9,315 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,737 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $77,000 | 8,979 |
| Total noninterest expense | $1,687,000 | 7,293 |
| Salaries and employee benefits | $952,000 | 6,309 |
| Premises and equipment expense | $199,000 | 7,855 |
| Additional noninterest expense | $536,000 | 8,129 |
| Pre-tax net operating income | $901,000 | 6,095 |
| Securities gains (losses) | $408,000 | 1,259 |
| Applicable income taxes | $512,000 | 3,934 |
| Income before extraordinary items | $797,000 | 5,381 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $797,000 | 5,438 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 8,849 |
| Cash dividends | $495,000 | 2,859 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $535,880 | 6,665 |
* 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.