Home > First State Bank > Income and Expense
First State Bank, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $3,144,000 | 5,666 |
| Total interest expense | $963,000 | 5,649 |
| Net interest income | $2,181,000 | 5,479 |
| Provision for loan and lease losses | $291,000 | 4,633 |
| Total noninterest income | $257,000 | 5,469 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $217,000 | 3,954 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $40,000 | 6,457 |
| Total noninterest expense | $1,442,000 | 6,337 |
| Salaries and employee benefits | $739,000 | 6,306 |
| Premises and equipment expense | $216,000 | 5,790 |
| Additional noninterest expense | $487,000 | 6,316 |
| Pre-tax net operating income | $705,000 | 3,318 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $28,000 | 3,645 |
| Income before extraordinary items | $677,000 | 3,193 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $677,000 | 3,191 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $677,000 | 3,193 |
| Net charge-offs | $252,000 | 3,954 |
| Cash dividends | $441,000 | 2,160 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $677,000 | 3,102 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $2,087,000 | 5,726 |
| Total interest expense | $626,000 | 5,835 |
| Net interest income | $1,461,000 | 5,472 |
| Provision for loan and lease losses | $200,000 | 4,313 |
| Total noninterest income | $176,000 | 5,442 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $145,000 | 3,931 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $31,000 | 6,373 |
| Total noninterest expense | $1,017,000 | 6,260 |
| Salaries and employee benefits | $503,000 | 6,328 |
| Premises and equipment expense | $150,000 | 5,750 |
| Additional noninterest expense | $364,000 | 6,062 |
| Pre-tax net operating income | $420,000 | 3,606 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $15,000 | 3,839 |
| Income before extraordinary items | $405,000 | 3,452 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $405,000 | 3,449 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $405,000 | 3,450 |
| Net charge-offs | $54,000 | 4,837 |
| Cash dividends | $328,000 | 2,101 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $405,000 | 3,338 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,054,000 | 5,740 |
| Total interest expense | $307,000 | 5,961 |
| Net interest income | $747,000 | 5,411 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $89,000 | 5,403 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $72,000 | 3,908 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $17,000 | 6,333 |
| Total noninterest expense | $504,000 | 6,257 |
| Salaries and employee benefits | $254,000 | 6,355 |
| Premises and equipment expense | $79,000 | 5,681 |
| Additional noninterest expense | $171,000 | 5,990 |
| Pre-tax net operating income | $317,000 | 3,249 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $12,000 | 3,875 |
| Income before extraordinary items | $305,000 | 3,100 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $305,000 | 3,101 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $305,000 | 3,101 |
| Net charge-offs | $13,000 | 4,614 |
| Cash dividends | $147,000 | 1,968 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $305,000 | 2,945 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $4,091,000 | 5,952 |
| Total interest expense | $1,436,000 | 6,071 |
| Net interest income | $2,655,000 | 5,754 |
| Provision for loan and lease losses | $60,000 | 6,432 |
| Total noninterest income | $362,000 | 5,475 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $298,000 | 4,023 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $64,000 | 6,497 |
| Total noninterest expense | $2,017,000 | 6,215 |
| Salaries and employee benefits | $1,072,000 | 6,265 |
| Premises and equipment expense | $296,000 | 5,837 |
| Additional noninterest expense | $649,000 | 6,025 |
| Pre-tax net operating income | $940,000 | 3,874 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $42,000 | 3,938 |
| Income before extraordinary items | $898,000 | 3,489 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $898,000 | 3,490 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $38,000 | 5,843 |
| Cash dividends | $475,000 | 3,451 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $898,000 | 3,634 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,036,000 | 6,053 |
| Total interest expense | $1,109,000 | 6,121 |
| Net interest income | $1,927,000 | 5,890 |
| Provision for loan and lease losses | $45,000 | 5,958 |
| Total noninterest income | $272,000 | 5,562 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $225,000 | 4,035 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $47,000 | 6,671 |
| Total noninterest expense | $1,451,000 | 6,301 |
| Salaries and employee benefits | $771,000 | 6,372 |
| Premises and equipment expense | $212,000 | 5,954 |
| Additional noninterest expense | $468,000 | 6,088 |
| Pre-tax net operating income | $703,000 | 4,334 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $27,000 | 4,452 |
| Income before extraordinary items | $676,000 | 3,888 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $676,000 | 3,886 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 5,807 |
| Cash dividends | $307,000 | 3,348 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $676,000 | 4,039 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,944,000 | 6,199 |
| Total interest expense | $750,000 | 6,220 |
| Net interest income | $1,194,000 | 6,076 |
| Provision for loan and lease losses | $30,000 | 5,577 |
| Total noninterest income | $177,000 | 5,688 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $149,000 | 4,068 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $28,000 | 6,870 |
| Total noninterest expense | $978,000 | 6,323 |
| Salaries and employee benefits | $500,000 | 6,487 |
| Premises and equipment expense | $141,000 | 5,996 |
| Additional noninterest expense | $337,000 | 5,862 |
| Pre-tax net operating income | $363,000 | 4,954 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $14,000 | 4,858 |
| Income before extraordinary items | $349,000 | 4,746 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $349,000 | 4,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,548 |
| Cash dividends | $190,000 | 3,517 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $349,000 | 4,682 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $881,000 | 6,516 |
| Total interest expense | $366,000 | 6,424 |
| Net interest income | $515,000 | 6,446 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $74,000 | 6,016 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $64,000 | 4,316 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $10,000 | 7,226 |
| Total noninterest expense | $424,000 | 6,692 |
| Salaries and employee benefits | $191,000 | 7,095 |
| Premises and equipment expense | $64,000 | 6,286 |
| Additional noninterest expense | $169,000 | 5,842 |
| Pre-tax net operating income | $150,000 | 5,436 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $5,000 | 5,114 |
| Income before extraordinary items | $145,000 | 5,265 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $145,000 | 5,267 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,920 |
| Cash dividends | $86,000 | 3,062 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $145,000 | 5,161 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $3,114,000 | 6,771 |
| Total interest expense | $1,278,000 | 6,749 |
| Net interest income | $1,836,000 | 6,708 |
| Provision for loan and lease losses | $60,000 | 5,449 |
| Total noninterest income | $257,000 | 6,337 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $206,000 | 4,851 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $51,000 | 7,075 |
| Total noninterest expense | $1,430,000 | 7,019 |
| Salaries and employee benefits | $737,000 | 7,161 |
| Premises and equipment expense | $239,000 | 6,350 |
| Additional noninterest expense | $454,000 | 6,809 |
| Pre-tax net operating income | $603,000 | 5,680 |
| Securities gains (losses) | $-4,000 | 7,335 |
| Applicable income taxes | $24,000 | 5,330 |
| Income before extraordinary items | $575,000 | 5,435 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $575,000 | 5,435 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 5,136 |
| Cash dividends | $347,000 | 4,253 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $578,840 | 5,403 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,303,000 | 6,834 |
| Total interest expense | $944,000 | 6,803 |
| Net interest income | $1,359,000 | 6,776 |
| Provision for loan and lease losses | $45,000 | 5,124 |
| Total noninterest income | $192,000 | 6,384 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $151,000 | 4,911 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $41,000 | 7,030 |
| Total noninterest expense | $1,060,000 | 7,031 |
| Salaries and employee benefits | $533,000 | 7,191 |
| Premises and equipment expense | $180,000 | 6,334 |
| Additional noninterest expense | $347,000 | 6,761 |
| Pre-tax net operating income | $446,000 | 5,976 |
| Securities gains (losses) | $-4,000 | 7,564 |
| Applicable income taxes | $15,000 | 5,595 |
| Income before extraordinary items | $427,000 | 5,689 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $427,000 | 5,686 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $25,000 | 4,396 |
| Cash dividends | $231,000 | 3,956 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $430,880 | 5,662 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,521,000 | 6,894 |
| Total interest expense | $614,000 | 6,864 |
| Net interest income | $907,000 | 6,809 |
| Provision for loan and lease losses | $30,000 | 4,873 |
| Total noninterest income | $126,000 | 6,452 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $99,000 | 4,965 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $27,000 | 7,090 |
| Total noninterest expense | $733,000 | 6,999 |
| Salaries and employee benefits | $363,000 | 7,202 |
| Premises and equipment expense | $120,000 | 6,367 |
| Additional noninterest expense | $250,000 | 6,589 |
| Pre-tax net operating income | $270,000 | 6,227 |
| Securities gains (losses) | $-4,000 | 7,813 |
| Applicable income taxes | $9,000 | 5,709 |
| Income before extraordinary items | $257,000 | 5,965 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $257,000 | 5,964 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,692 |
| Cash dividends | $128,000 | 4,107 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $260,880 | 5,928 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $744,000 | 6,952 |
| Total interest expense | $296,000 | 6,944 |
| Net interest income | $448,000 | 6,862 |
| Provision for loan and lease losses | $15,000 | 4,592 |
| Total noninterest income | $58,000 | 6,588 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $48,000 | 4,963 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $10,000 | 7,401 |
| Total noninterest expense | $357,000 | 7,090 |
| Salaries and employee benefits | $174,000 | 7,335 |
| Premises and equipment expense | $60,000 | 6,403 |
| Additional noninterest expense | $123,000 | 6,638 |
| Pre-tax net operating income | $134,000 | 6,245 |
| Securities gains (losses) | $-4,000 | 8,145 |
| Applicable income taxes | $4,000 | 5,783 |
| Income before extraordinary items | $126,000 | 5,995 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $126,000 | 5,995 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,748 |
| Cash dividends | $56,000 | 3,519 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $129,880 | 5,927 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,868,000 | 6,875 |
| Total interest expense | $1,090,000 | 6,769 |
| Net interest income | $1,778,000 | 6,822 |
| Provision for loan and lease losses | $60,000 | 5,315 |
| Total noninterest income | $257,000 | 6,486 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $208,000 | 4,900 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $49,000 | 7,272 |
| Total noninterest expense | $1,375,000 | 7,096 |
| Salaries and employee benefits | $694,000 | 7,302 |
| Premises and equipment expense | $228,000 | 6,431 |
| Additional noninterest expense | $453,000 | 6,777 |
| Pre-tax net operating income | $600,000 | 6,193 |
| Securities gains (losses) | $-3,000 | 6,969 |
| Applicable income taxes | $30,000 | 5,757 |
| Income before extraordinary items | $567,000 | 5,933 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $567,000 | 5,933 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,843 |
| Cash dividends | $328,000 | 4,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $569,850 | 5,924 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $2,115,000 | 6,954 |
| Total interest expense | $802,000 | 6,786 |
| Net interest income | $1,313,000 | 6,948 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $195,000 | 6,503 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $157,000 | 4,942 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $38,000 | 7,269 |
| Total noninterest expense | $1,025,000 | 7,116 |
| Salaries and employee benefits | $511,000 | 7,326 |
| Premises and equipment expense | $165,000 | 6,536 |
| Additional noninterest expense | $349,000 | 6,714 |
| Pre-tax net operating income | $438,000 | 6,461 |
| Securities gains (losses) | $-3,000 | 7,275 |
| Applicable income taxes | $18,000 | 6,008 |
| Income before extraordinary items | $417,000 | 6,155 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $417,000 | 6,155 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,141 |
| Cash dividends | $255,000 | 3,870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $419,880 | 6,141 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,384,000 | 6,995 |
| Total interest expense | $503,000 | 6,840 |
| Net interest income | $881,000 | 6,971 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $128,000 | 6,539 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $103,000 | 4,958 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $25,000 | 7,325 |
| Total noninterest expense | $692,000 | 7,122 |
| Salaries and employee benefits | $348,000 | 7,317 |
| Premises and equipment expense | $106,000 | 6,637 |
| Additional noninterest expense | $238,000 | 6,693 |
| Pre-tax net operating income | $287,000 | 6,548 |
| Securities gains (losses) | $-3,000 | 7,591 |
| Applicable income taxes | $12,000 | 6,049 |
| Income before extraordinary items | $272,000 | 6,212 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $272,000 | 6,212 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,361 |
| Cash dividends | $170,000 | 3,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $274,880 | 6,202 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $661,000 | 7,072 |
| Total interest expense | $235,000 | 6,900 |
| Net interest income | $426,000 | 7,070 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $56,000 | 6,748 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $49,000 | 5,002 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $7,000 | 7,855 |
| Total noninterest expense | $339,000 | 7,180 |
| Salaries and employee benefits | $165,000 | 7,455 |
| Premises and equipment expense | $44,000 | 7,013 |
| Additional noninterest expense | $130,000 | 6,458 |
| Pre-tax net operating income | $128,000 | 6,706 |
| Securities gains (losses) | $-3,000 | 8,027 |
| Applicable income taxes | $5,000 | 6,088 |
| Income before extraordinary items | $120,000 | 6,404 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $120,000 | 6,404 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 4,399 |
| Cash dividends | $72,000 | 3,370 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $122,880 | 6,378 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,615,000 | 6,914 |
| Total interest expense | $837,000 | 6,678 |
| Net interest income | $1,778,000 | 6,922 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $275,000 | 6,500 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $237,000 | 4,686 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $38,000 | 7,667 |
| Total noninterest expense | $1,274,000 | 7,272 |
| Salaries and employee benefits | $695,000 | 7,289 |
| Premises and equipment expense | $157,000 | 7,194 |
| Additional noninterest expense | $422,000 | 6,982 |
| Pre-tax net operating income | $719,000 | 6,103 |
| Securities gains (losses) | $-4,000 | 7,217 |
| Applicable income taxes | $38,000 | 6,027 |
| Income before extraordinary items | $677,000 | 5,738 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $677,000 | 5,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $92,000 | 3,469 |
| Cash dividends | $515,000 | 3,583 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $680,800 | 5,708 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,947,000 | 6,936 |
| Total interest expense | $614,000 | 6,656 |
| Net interest income | $1,333,000 | 6,961 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $207,000 | 6,536 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $179,000 | 4,700 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $28,000 | 7,724 |
| Total noninterest expense | $944,000 | 7,292 |
| Salaries and employee benefits | $507,000 | 7,331 |
| Premises and equipment expense | $119,000 | 7,174 |
| Additional noninterest expense | $318,000 | 6,974 |
| Pre-tax net operating income | $551,000 | 6,200 |
| Securities gains (losses) | $-4,000 | 7,604 |
| Applicable income taxes | $28,000 | 6,119 |
| Income before extraordinary items | $519,000 | 5,809 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $519,000 | 5,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,634 |
| Cash dividends | $310,000 | 3,461 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $522,800 | 5,766 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,255,000 | 6,975 |
| Total interest expense | $389,000 | 6,666 |
| Net interest income | $866,000 | 7,015 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $132,000 | 6,585 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $118,000 | 4,686 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $14,000 | 7,946 |
| Total noninterest expense | $601,000 | 7,390 |
| Salaries and employee benefits | $318,000 | 7,474 |
| Premises and equipment expense | $74,000 | 7,300 |
| Additional noninterest expense | $209,000 | 6,989 |
| Pre-tax net operating income | $367,000 | 6,180 |
| Securities gains (losses) | $-4,000 | 7,869 |
| Applicable income taxes | $17,000 | 6,174 |
| Income before extraordinary items | $346,000 | 5,813 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $346,000 | 5,816 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-4,000 | 7,519 |
| Cash dividends | $193,000 | 3,586 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $349,800 | 5,744 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $613,000 | 7,061 |
| Total interest expense | $185,000 | 6,727 |
| Net interest income | $428,000 | 7,103 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $53,000 | 6,982 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $53,000 | 4,860 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $0 | 8,766 |
| Total noninterest expense | $304,000 | 7,419 |
| Salaries and employee benefits | $158,000 | 7,541 |
| Premises and equipment expense | $39,000 | 7,270 |
| Additional noninterest expense | $107,000 | 6,972 |
| Pre-tax net operating income | $162,000 | 6,405 |
| Securities gains (losses) | $-3,000 | 8,297 |
| Applicable income taxes | $7,000 | 6,248 |
| Income before extraordinary items | $152,000 | 6,060 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $152,000 | 6,061 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $62,000 | 3,300 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $154,880 | 6,001 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,423,000 | 6,967 |
| Total interest expense | $717,000 | 6,528 |
| Net interest income | $1,706,000 | 7,039 |
| Provision for loan and lease losses | $60,000 | 5,645 |
| Total noninterest income | $289,000 | 6,485 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $214,000 | 5,079 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $75,000 | 6,883 |
| Total noninterest expense | $1,206,000 | 7,432 |
| Salaries and employee benefits | $656,000 | 7,451 |
| Premises and equipment expense | $157,000 | 7,238 |
| Additional noninterest expense | $393,000 | 7,156 |
| Pre-tax net operating income | $729,000 | 6,013 |
| Securities gains (losses) | $-4,000 | 8,021 |
| Applicable income taxes | $36,000 | 6,235 |
| Income before extraordinary items | $689,000 | 5,632 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $689,000 | 5,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,010 |
| Cash dividends | $431,000 | 3,789 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $692,800 | 5,551 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,804,000 | 6,998 |
| Total interest expense | $535,000 | 6,531 |
| Net interest income | $1,269,000 | 7,069 |
| Provision for loan and lease losses | $45,000 | 5,471 |
| Total noninterest income | $189,000 | 6,785 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $153,000 | 5,219 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $36,000 | 7,481 |
| Total noninterest expense | $904,000 | 7,391 |
| Salaries and employee benefits | $487,000 | 7,408 |
| Premises and equipment expense | $112,000 | 7,308 |
| Additional noninterest expense | $305,000 | 7,045 |
| Pre-tax net operating income | $509,000 | 6,284 |
| Securities gains (losses) | $-3,000 | 8,248 |
| Applicable income taxes | $25,000 | 6,401 |
| Income before extraordinary items | $481,000 | 5,901 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $481,000 | 5,901 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 4,285 |
| Cash dividends | $244,000 | 3,725 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $483,850 | 5,816 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,197,000 | 7,042 |
| Total interest expense | $361,000 | 6,534 |
| Net interest income | $836,000 | 7,130 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $113,000 | 7,021 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $87,000 | 5,558 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $26,000 | 7,425 |
| Total noninterest expense | $600,000 | 7,460 |
| Salaries and employee benefits | $318,000 | 7,522 |
| Premises and equipment expense | $77,000 | 7,299 |
| Additional noninterest expense | $205,000 | 7,075 |
| Pre-tax net operating income | $319,000 | 6,386 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $16,000 | 6,416 |
| Income before extraordinary items | $303,000 | 6,020 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $303,000 | 6,021 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,017 |
| Cash dividends | $176,000 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $303,000 | 5,938 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $591,000 | 7,119 |
| Total interest expense | $182,000 | 6,586 |
| Net interest income | $409,000 | 7,209 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $51,000 | 7,183 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $41,000 | 5,626 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $10,000 | 7,740 |
| Total noninterest expense | $315,000 | 7,393 |
| Salaries and employee benefits | $167,000 | 7,452 |
| Premises and equipment expense | $41,000 | 7,205 |
| Additional noninterest expense | $107,000 | 6,978 |
| Pre-tax net operating income | $130,000 | 6,724 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $6,000 | 6,520 |
| Income before extraordinary items | $124,000 | 6,441 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $124,000 | 6,440 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,097 |
| Cash dividends | $79,000 | 3,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $124,000 | 6,321 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,446,000 | 7,097 |
| Total interest expense | $831,000 | 6,616 |
| Net interest income | $1,615,000 | 7,189 |
| Provision for loan and lease losses | $118,000 | 5,079 |
| Total noninterest income | $216,000 | 7,208 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $175,000 | 5,547 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $41,000 | 7,788 |
| Total noninterest expense | $1,119,000 | 7,641 |
| Salaries and employee benefits | $609,000 | 7,654 |
| Premises and equipment expense | $150,000 | 7,393 |
| Additional noninterest expense | $360,000 | 7,381 |
| Pre-tax net operating income | $594,000 | 6,362 |
| Securities gains (losses) | $-18,000 | 8,855 |
| Applicable income taxes | $29,000 | 6,629 |
| Income before extraordinary items | $547,000 | 6,147 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $547,000 | 6,151 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $116,000 | 3,809 |
| Cash dividends | $421,000 | 3,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $564,100 | 5,922 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,861,000 | 7,148 |
| Total interest expense | $637,000 | 6,709 |
| Net interest income | $1,224,000 | 7,212 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $167,000 | 7,198 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $131,000 | 5,584 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $36,000 | 7,634 |
| Total noninterest expense | $853,000 | 7,585 |
| Salaries and employee benefits | $468,000 | 7,564 |
| Premises and equipment expense | $111,000 | 7,438 |
| Additional noninterest expense | $274,000 | 7,361 |
| Pre-tax net operating income | $448,000 | 6,516 |
| Securities gains (losses) | $-18,000 | 8,998 |
| Applicable income taxes | $22,000 | 6,754 |
| Income before extraordinary items | $408,000 | 6,305 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $408,000 | 6,307 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,281 |
| Cash dividends | $264,000 | 3,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $425,100 | 6,046 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,249,000 | 7,176 |
| Total interest expense | $431,000 | 6,787 |
| Net interest income | $818,000 | 7,217 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $108,000 | 7,253 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $86,000 | 5,601 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $22,000 | 7,723 |
| Total noninterest expense | $578,000 | 7,567 |
| Salaries and employee benefits | $311,000 | 7,590 |
| Premises and equipment expense | $79,000 | 7,317 |
| Additional noninterest expense | $188,000 | 7,300 |
| Pre-tax net operating income | $318,000 | 6,382 |
| Securities gains (losses) | $-12,000 | 9,065 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $291,000 | 6,165 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $291,000 | 6,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 6,535 |
| Cash dividends | $192,000 | 3,568 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $302,400 | 5,877 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $625,000 | 7,211 |
| Total interest expense | $218,000 | 6,841 |
| Net interest income | $407,000 | 7,248 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $50,000 | 7,354 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $42,000 | 5,576 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $8,000 | 8,105 |
| Total noninterest expense | $303,000 | 7,495 |
| Salaries and employee benefits | $164,000 | 7,494 |
| Premises and equipment expense | $41,000 | 7,269 |
| Additional noninterest expense | $98,000 | 7,195 |
| Pre-tax net operating income | $139,000 | 6,622 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $7,000 | 6,747 |
| Income before extraordinary items | $132,000 | 6,333 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $132,000 | 6,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 5,539 |
| Cash dividends | $99,000 | 2,990 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $132,000 | 6,154 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,719,000 | 7,137 |
| Total interest expense | $1,003,000 | 6,921 |
| Net interest income | $1,716,000 | 7,093 |
| Provision for loan and lease losses | $188,000 | 4,487 |
| Total noninterest income | $224,000 | 7,076 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $177,000 | 5,503 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $47,000 | 7,677 |
| Total noninterest expense | $1,083,000 | 7,749 |
| Salaries and employee benefits | $609,000 | 7,669 |
| Premises and equipment expense | $153,000 | 7,403 |
| Additional noninterest expense | $321,000 | 7,655 |
| Pre-tax net operating income | $669,000 | 6,193 |
| Securities gains (losses) | $4,000 | 4,045 |
| Applicable income taxes | $47,000 | 6,576 |
| Income before extraordinary items | $626,000 | 5,859 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $626,000 | 5,855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $123,000 | 3,838 |
| Cash dividends | $504,000 | 3,423 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $622,280 | 5,745 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $2,650,000 | 7,587 |
| Total interest expense | $1,335,000 | 7,331 |
| Net interest income | $1,315,000 | 7,664 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $196,000 | 7,349 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $163,000 | 5,625 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $33,000 | 8,253 |
| Total noninterest expense | $989,000 | 7,991 |
| Salaries and employee benefits | $502,000 | 8,172 |
| Premises and equipment expense | $134,000 | 7,784 |
| Additional noninterest expense | $353,000 | 7,493 |
| Pre-tax net operating income | $486,000 | 6,609 |
| Securities gains (losses) | $8,000 | 3,714 |
| Applicable income taxes | $34,000 | 6,997 |
| Income before extraordinary items | $460,000 | 6,253 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $460,000 | 6,255 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 7,344 |
| Cash dividends | $202,000 | 4,973 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $452,560 | 6,181 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $2,334,000 | 8,090 |
| Total interest expense | $1,155,000 | 7,901 |
| Net interest income | $1,179,000 | 8,117 |
| Provision for loan and lease losses | $70,000 | 5,970 |
| Total noninterest income | $196,000 | 7,321 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $161,000 | 5,613 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $35,000 | 8,337 |
| Total noninterest expense | $753,000 | 8,688 |
| Salaries and employee benefits | $396,000 | 8,768 |
| Premises and equipment expense | $118,000 | 8,135 |
| Additional noninterest expense | $239,000 | 8,427 |
| Pre-tax net operating income | $552,000 | 6,775 |
| Securities gains (losses) | $-8,000 | 8,215 |
| Applicable income taxes | $27,000 | 7,689 |
| Income before extraordinary items | $517,000 | 6,230 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $517,000 | 6,228 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $0 | 7,622 |
| Cash dividends | $386,000 | 4,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $524,600 | 6,205 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $2,167,000 | 8,310 |
| Total interest expense | $1,030,000 | 8,107 |
| Net interest income | $1,137,000 | 8,326 |
| Provision for loan and lease losses | $45,000 | 6,711 |
| Total noninterest income | $191,000 | 7,603 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $150,000 | 5,840 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $41,000 | 8,376 |
| Total noninterest expense | $712,000 | 8,998 |
| Salaries and employee benefits | $367,000 | 9,081 |
| Premises and equipment expense | $117,000 | 8,301 |
| Additional noninterest expense | $228,000 | 8,763 |
| Pre-tax net operating income | $571,000 | 6,827 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $29,000 | 8,032 |
| Income before extraordinary items | $541,000 | 6,208 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $541,000 | 6,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,567 |
| Cash dividends | $421,000 | 3,820 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $541,950 | 6,187 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $2,022,000 | 8,659 |
| Total interest expense | $936,000 | 8,596 |
| Net interest income | $1,086,000 | 8,595 |
| Provision for loan and lease losses | $89,000 | 5,400 |
| Total noninterest income | $158,000 | 8,116 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $125,000 | 6,365 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $33,000 | 8,867 |
| Total noninterest expense | $649,000 | 9,265 |
| Salaries and employee benefits | $332,000 | 9,406 |
| Premises and equipment expense | $111,000 | 8,461 |
| Additional noninterest expense | $206,000 | 9,053 |
| Pre-tax net operating income | $506,000 | 7,330 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $25,000 | 8,790 |
| Income before extraordinary items | $481,000 | 6,717 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $481,000 | 6,715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $89,000 | 3,845 |
| Cash dividends | $345,000 | 4,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $481,000 | 6,617 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $1,759,000 | 9,344 |
| Total interest expense | $780,000 | 9,316 |
| Net interest income | $979,000 | 9,239 |
| Provision for loan and lease losses | $33,000 | 7,298 |
| Total noninterest income | $144,000 | 8,689 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $120,000 | 6,759 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $24,000 | 9,645 |
| Total noninterest expense | $628,000 | 9,636 |
| Salaries and employee benefits | $307,000 | 9,902 |
| Premises and equipment expense | $116,000 | 8,589 |
| Additional noninterest expense | $205,000 | 9,347 |
| Pre-tax net operating income | $462,000 | 8,128 |
| Securities gains (losses) | $-7,000 | 9,846 |
| Applicable income taxes | $34,000 | 9,504 |
| Income before extraordinary items | $421,000 | 7,506 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $421,000 | 7,509 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 7,179 |
| Cash dividends | $317,000 | 4,442 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $427,510 | 7,411 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $1,651,000 | 9,890 |
| Total interest expense | $731,000 | 9,877 |
| Net interest income | $920,000 | 9,783 |
| Provision for loan and lease losses | $24,000 | 7,740 |
| Total noninterest income | $139,000 | 9,187 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $114,000 | 7,197 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $25,000 | 10,117 |
| Total noninterest expense | $618,000 | 10,107 |
| Salaries and employee benefits | $317,000 | 10,208 |
| Premises and equipment expense | $120,000 | 8,791 |
| Additional noninterest expense | $181,000 | 10,160 |
| Pre-tax net operating income | $417,000 | 8,412 |
| Securities gains (losses) | $-2,000 | 9,485 |
| Applicable income taxes | $135,000 | 8,126 |
| Income before extraordinary items | $280,000 | 8,587 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $280,000 | 8,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,767 |
| Cash dividends | $95,000 | 6,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $281,340 | 8,513 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $1,519,000 | 10,491 |
| Total interest expense | $658,000 | 10,453 |
| Net interest income | $861,000 | 10,352 |
| Provision for loan and lease losses | $24,000 | 7,406 |
| Total noninterest income | $122,000 | 9,820 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $103,000 | 7,717 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $19,000 | 10,950 |
| Total noninterest expense | $586,000 | 10,629 |
| Salaries and employee benefits | $300,000 | 10,748 |
| Premises and equipment expense | $96,000 | 9,727 |
| Additional noninterest expense | $190,000 | 10,543 |
| Pre-tax net operating income | $373,000 | 9,239 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $113,000 | 8,910 |
| Income before extraordinary items | $260,000 | 9,326 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $260,000 | 9,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $11,000 | 7,374 |
| Cash dividends | $69,000 | 7,424 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $260,000 | 9,302 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,408,000 | 10,912 |
| Total interest expense | $586,000 | 10,664 |
| Net interest income | $822,000 | 10,976 |
| Provision for loan and lease losses | $33,000 | 6,965 |
| Total noninterest income | $121,000 | 10,271 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 7,946 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $15,000 | 11,783 |
| Total noninterest expense | $598,000 | 11,134 |
| Salaries and employee benefits | $286,000 | 11,337 |
| Premises and equipment expense | $94,000 | 10,216 |
| Additional noninterest expense | $218,000 | 10,917 |
| Pre-tax net operating income | $312,000 | 10,041 |
| Securities gains (losses) | $1,000 | 3,293 |
| Applicable income taxes | $93,000 | 9,524 |
| Income before extraordinary items | $220,000 | 10,032 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $220,000 | 10,043 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 9,875 |
| Cash dividends | $54,000 | 7,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $219,300 | 10,103 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $1,379,000 | 11,492 |
| Total interest expense | $579,000 | 11,268 |
| Net interest income | $800,000 | 11,509 |
| Provision for loan and lease losses | $40,000 | 7,927 |
| Total noninterest income | $184,000 | 9,527 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $106,000 | 8,210 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $78,000 | 8,723 |
| Total noninterest expense | $565,000 | 11,823 |
| Salaries and employee benefits | $282,000 | 11,848 |
| Premises and equipment expense | $93,000 | 10,682 |
| Additional noninterest expense | $190,000 | 11,866 |
| Pre-tax net operating income | $379,000 | 9,589 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $128,000 | 9,127 |
| Income before extraordinary items | $251,000 | 10,031 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $251,000 | 10,168 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 10,864 |
| Cash dividends | $60,000 | 7,697 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $251,000 | 9,782 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $1,561,000 | 11,819 |
| Total interest expense | $751,000 | 11,574 |
| Net interest income | $810,000 | 11,870 |
| Provision for loan and lease losses | $39,000 | 9,563 |
| Total noninterest income | $90,000 | 11,997 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $76,000 | 9,331 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $14,000 | 13,064 |
| Total noninterest expense | $590,000 | 12,125 |
| Salaries and employee benefits | $275,000 | 12,306 |
| Premises and equipment expense | $88,000 | 11,176 |
| Additional noninterest expense | $227,000 | 11,859 |
| Pre-tax net operating income | $271,000 | 10,416 |
| Securities gains (losses) | $9,000 | 6,537 |
| Applicable income taxes | $95,000 | 10,051 |
| Income before extraordinary items | $185,000 | 10,806 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $185,000 | 10,912 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 8,392 |
| Cash dividends | $38,000 | 8,042 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $179,060 | 10,547 |
* 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.