Home > First State Bank of Beardstown, Illinois > Income and Expense
First State Bank of Beardstown, Illinois, Income and Expense
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $1,981,000 | 6,666 |
| Total interest expense | $695,000 | 6,331 |
| Net interest income | $1,286,000 | 6,703 |
| Provision for loan and lease losses | $47,000 | 6,568 |
| Total noninterest income | $449,000 | 4,435 |
| Gross Fiduciary activities income | $7,000 | 1,163 |
| Service charges on deposit accounts | $308,000 | 3,295 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $134,000 | 4,957 |
| Total noninterest expense | $1,568,000 | 6,153 |
| Salaries and employee benefits | $715,000 | 6,384 |
| Premises and equipment expense | $356,000 | 4,565 |
| Additional noninterest expense | $497,000 | 6,259 |
| Pre-tax net operating income | $120,000 | 5,215 |
| Securities gains (losses) | $104,000 | 1,812 |
| Applicable income taxes | $4,000 | 4,272 |
| Income before extraordinary items | $220,000 | 4,757 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $220,000 | 4,756 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $220,000 | 4,757 |
| Net charge-offs | $83,000 | 5,234 |
| Cash dividends | $156,000 | 3,285 |
| Sale, conversion, retirement of capital stock, net | $1,385,000 | 315 |
| Net operating income | $118,080 | 5,172 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,353,000 | 6,681 |
| Total interest expense | $497,000 | 6,281 |
| Net interest income | $856,000 | 6,723 |
| Provision for loan and lease losses | $30,000 | 6,428 |
| Total noninterest income | $299,000 | 4,438 |
| Gross Fiduciary activities income | $7,000 | 1,124 |
| Service charges on deposit accounts | $196,000 | 3,358 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $96,000 | 4,873 |
| Total noninterest expense | $986,000 | 6,327 |
| Salaries and employee benefits | $474,000 | 6,451 |
| Premises and equipment expense | $176,000 | 5,399 |
| Additional noninterest expense | $336,000 | 6,256 |
| Pre-tax net operating income | $139,000 | 5,000 |
| Securities gains (losses) | $104,000 | 1,465 |
| Applicable income taxes | $4,000 | 4,294 |
| Income before extraordinary items | $239,000 | 4,314 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $239,000 | 4,313 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $239,000 | 4,313 |
| Net charge-offs | $61,000 | 4,739 |
| Cash dividends | $96,000 | 3,335 |
| Sale, conversion, retirement of capital stock, net | $1,385,000 | 253 |
| Net operating income | $137,080 | 4,865 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $710,000 | 6,625 |
| Total interest expense | $272,000 | 6,207 |
| Net interest income | $438,000 | 6,682 |
| Provision for loan and lease losses | $15,000 | 6,043 |
| Total noninterest income | $140,000 | 4,560 |
| Gross Fiduciary activities income | $6,000 | 1,049 |
| Service charges on deposit accounts | $92,000 | 3,418 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $42,000 | 5,129 |
| Total noninterest expense | $458,000 | 6,466 |
| Salaries and employee benefits | $238,000 | 6,501 |
| Premises and equipment expense | $84,000 | 5,551 |
| Additional noninterest expense | $136,000 | 6,542 |
| Pre-tax net operating income | $105,000 | 4,976 |
| Securities gains (losses) | $50,000 | 1,304 |
| Applicable income taxes | $11,000 | 3,919 |
| Income before extraordinary items | $144,000 | 4,422 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $144,000 | 4,425 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $144,000 | 4,425 |
| Net charge-offs | $6,000 | 5,032 |
| Cash dividends | $48,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $1,385,000 | 143 |
| Net operating income | $97,500 | 4,838 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,079,000 | 6,568 |
| Total interest expense | $1,180,000 | 6,472 |
| Net interest income | $1,899,000 | 6,533 |
| Provision for loan and lease losses | $93,000 | 6,122 |
| Total noninterest income | $689,000 | 4,172 |
| Gross Fiduciary activities income | $37,000 | 1,016 |
| Service charges on deposit accounts | $447,000 | 3,241 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $205,000 | 4,793 |
| Total noninterest expense | $2,037,000 | 6,191 |
| Salaries and employee benefits | $1,072,000 | 6,265 |
| Premises and equipment expense | $368,000 | 5,311 |
| Additional noninterest expense | $597,000 | 6,227 |
| Pre-tax net operating income | $458,000 | 4,988 |
| Securities gains (losses) | $86,000 | 1,243 |
| Applicable income taxes | $-57,000 | 6,980 |
| Income before extraordinary items | $601,000 | 4,180 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $601,000 | 4,180 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 5,360 |
| Cash dividends | $479,000 | 3,442 |
| Sale, conversion, retirement of capital stock, net | $-1,150,000 | 8,281 |
| Net operating income | $515,000 | 4,561 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $2,301,000 | 6,643 |
| Total interest expense | $863,000 | 6,638 |
| Net interest income | $1,438,000 | 6,557 |
| Provision for loan and lease losses | $21,000 | 6,479 |
| Total noninterest income | $495,000 | 4,352 |
| Gross Fiduciary activities income | $17,000 | 1,078 |
| Service charges on deposit accounts | $334,000 | 3,283 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $144,000 | 5,012 |
| Total noninterest expense | $1,484,000 | 6,248 |
| Salaries and employee benefits | $772,000 | 6,367 |
| Premises and equipment expense | $279,000 | 5,295 |
| Additional noninterest expense | $433,000 | 6,278 |
| Pre-tax net operating income | $428,000 | 5,172 |
| Securities gains (losses) | $80,000 | 1,107 |
| Applicable income taxes | $4,000 | 5,079 |
| Income before extraordinary items | $504,000 | 4,441 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $504,000 | 4,439 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 4,686 |
| Cash dividends | $201,000 | 3,865 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $424,800 | 4,858 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $1,517,000 | 6,723 |
| Total interest expense | $545,000 | 6,871 |
| Net interest income | $972,000 | 6,546 |
| Provision for loan and lease losses | $4,000 | 6,550 |
| Total noninterest income | $275,000 | 4,810 |
| Gross Fiduciary activities income | $16,000 | 1,047 |
| Service charges on deposit accounts | $210,000 | 3,383 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $49,000 | 6,161 |
| Total noninterest expense | $943,000 | 6,414 |
| Salaries and employee benefits | $482,000 | 6,574 |
| Premises and equipment expense | $180,000 | 5,427 |
| Additional noninterest expense | $281,000 | 6,347 |
| Pre-tax net operating income | $300,000 | 5,282 |
| Securities gains (losses) | $79,000 | 1,129 |
| Applicable income taxes | $4,000 | 5,280 |
| Income before extraordinary items | $375,000 | 4,607 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $375,000 | 4,607 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 4,143 |
| Cash dividends | $109,000 | 4,021 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $296,790 | 4,959 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $780,000 | 6,766 |
| Total interest expense | $274,000 | 7,001 |
| Net interest income | $506,000 | 6,480 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $125,000 | 4,991 |
| Gross Fiduciary activities income | $13,000 | 995 |
| Service charges on deposit accounts | $93,000 | 3,591 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $19,000 | 6,522 |
| Total noninterest expense | $473,000 | 6,448 |
| Salaries and employee benefits | $257,000 | 6,456 |
| Premises and equipment expense | $91,000 | 5,433 |
| Additional noninterest expense | $125,000 | 6,632 |
| Pre-tax net operating income | $158,000 | 5,368 |
| Securities gains (losses) | $79,000 | 837 |
| Applicable income taxes | $4,000 | 5,199 |
| Income before extraordinary items | $233,000 | 4,346 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $233,000 | 4,348 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 3,030 |
| Cash dividends | $67,000 | 3,234 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $155,580 | 5,059 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $2,906,000 | 6,902 |
| Total interest expense | $1,064,000 | 7,064 |
| Net interest income | $1,842,000 | 6,700 |
| Provision for loan and lease losses | $0 | 6,851 |
| Total noninterest income | $460,000 | 5,211 |
| Gross Fiduciary activities income | $24,000 | 1,127 |
| Service charges on deposit accounts | $385,000 | 3,597 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $51,000 | 7,075 |
| Total noninterest expense | $1,791,000 | 6,487 |
| Salaries and employee benefits | $899,000 | 6,707 |
| Premises and equipment expense | $357,000 | 5,351 |
| Additional noninterest expense | $535,000 | 6,421 |
| Pre-tax net operating income | $511,000 | 5,955 |
| Securities gains (losses) | $-149,000 | 8,220 |
| Applicable income taxes | $0 | 6,070 |
| Income before extraordinary items | $362,000 | 6,198 |
| Extraordinary gains, net | $1,000 | 35 |
| Net income | $363,000 | 6,189 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,192 |
| Cash dividends | $368,000 | 4,177 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $511,000 | 5,624 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $2,139,000 | 6,990 |
| Total interest expense | $784,000 | 7,126 |
| Net interest income | $1,355,000 | 6,784 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $340,000 | 5,279 |
| Gross Fiduciary activities income | $10,000 | 1,181 |
| Service charges on deposit accounts | $284,000 | 3,628 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $46,000 | 6,894 |
| Total noninterest expense | $1,335,000 | 6,500 |
| Salaries and employee benefits | $707,000 | 6,579 |
| Premises and equipment expense | $252,000 | 5,505 |
| Additional noninterest expense | $376,000 | 6,555 |
| Pre-tax net operating income | $360,000 | 6,321 |
| Securities gains (losses) | $25,000 | 777 |
| Applicable income taxes | $0 | 6,220 |
| Income before extraordinary items | $385,000 | 5,893 |
| Extraordinary gains, net | $1,000 | 29 |
| Net income | $386,000 | 5,890 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-30,000 | 8,141 |
| Cash dividends | $56,000 | 4,907 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $360,000 | 5,996 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $1,396,000 | 7,069 |
| Total interest expense | $516,000 | 7,173 |
| Net interest income | $880,000 | 6,875 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $228,000 | 5,296 |
| Gross Fiduciary activities income | $7,000 | 1,185 |
| Service charges on deposit accounts | $188,000 | 3,640 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $33,000 | 6,866 |
| Total noninterest expense | $911,000 | 6,489 |
| Salaries and employee benefits | $473,000 | 6,621 |
| Premises and equipment expense | $188,000 | 5,213 |
| Additional noninterest expense | $250,000 | 6,589 |
| Pre-tax net operating income | $197,000 | 6,655 |
| Securities gains (losses) | $-165,000 | 8,453 |
| Applicable income taxes | $0 | 6,265 |
| Income before extraordinary items | $32,000 | 7,605 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $32,000 | 7,604 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 7,005 |
| Cash dividends | $56,000 | 4,649 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $197,000 | 6,381 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $685,000 | 7,124 |
| Total interest expense | $256,000 | 7,209 |
| Net interest income | $429,000 | 6,958 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $93,000 | 5,686 |
| Gross Fiduciary activities income | $2,000 | 1,213 |
| Service charges on deposit accounts | $84,000 | 3,804 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $7,000 | 7,693 |
| Total noninterest expense | $444,000 | 6,582 |
| Salaries and employee benefits | $237,000 | 6,661 |
| Premises and equipment expense | $82,000 | 5,625 |
| Additional noninterest expense | $125,000 | 6,594 |
| Pre-tax net operating income | $78,000 | 6,946 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $0 | 6,196 |
| Income before extraordinary items | $78,000 | 6,739 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $78,000 | 6,738 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-2,000 | 6,955 |
| Cash dividends | $28,000 | 3,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $78,000 | 6,718 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $2,638,000 | 7,041 |
| Total interest expense | $845,000 | 7,240 |
| Net interest income | $1,793,000 | 6,809 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $448,000 | 5,368 |
| Gross Fiduciary activities income | $52,000 | 1,021 |
| Service charges on deposit accounts | $335,000 | 3,903 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $61,000 | 7,036 |
| Total noninterest expense | $1,460,000 | 6,974 |
| Salaries and employee benefits | $757,000 | 7,097 |
| Premises and equipment expense | $278,000 | 5,935 |
| Additional noninterest expense | $425,000 | 6,942 |
| Pre-tax net operating income | $781,000 | 5,704 |
| Securities gains (losses) | $-38,000 | 7,833 |
| Applicable income taxes | $159,000 | 4,538 |
| Income before extraordinary items | $584,000 | 5,871 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $584,000 | 5,872 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 2,691 |
| Cash dividends | $484,000 | 3,788 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $614,020 | 5,758 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $1,978,000 | 7,089 |
| Total interest expense | $597,000 | 7,321 |
| Net interest income | $1,381,000 | 6,832 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $344,000 | 5,334 |
| Gross Fiduciary activities income | $56,000 | 973 |
| Service charges on deposit accounts | $239,000 | 4,023 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $49,000 | 6,962 |
| Total noninterest expense | $1,193,000 | 6,756 |
| Salaries and employee benefits | $676,000 | 6,658 |
| Premises and equipment expense | $206,000 | 5,985 |
| Additional noninterest expense | $311,000 | 7,019 |
| Pre-tax net operating income | $532,000 | 6,102 |
| Securities gains (losses) | $-39,000 | 8,094 |
| Applicable income taxes | $135,000 | 4,591 |
| Income before extraordinary items | $358,000 | 6,435 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $358,000 | 6,436 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 4,781 |
| Cash dividends | $201,000 | 4,133 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $386,470 | 6,312 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,290,000 | 7,135 |
| Total interest expense | $367,000 | 7,414 |
| Net interest income | $923,000 | 6,856 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $197,000 | 5,672 |
| Gross Fiduciary activities income | $22,000 | 1,057 |
| Service charges on deposit accounts | $132,000 | 4,392 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $43,000 | 6,593 |
| Total noninterest expense | $805,000 | 6,758 |
| Salaries and employee benefits | $469,000 | 6,594 |
| Premises and equipment expense | $135,000 | 6,040 |
| Additional noninterest expense | $201,000 | 7,088 |
| Pre-tax net operating income | $315,000 | 6,365 |
| Securities gains (losses) | $-40,000 | 8,308 |
| Applicable income taxes | $102,000 | 4,492 |
| Income before extraordinary items | $173,000 | 6,976 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $173,000 | 6,979 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,860 |
| Cash dividends | $100,000 | 4,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $198,600 | 6,774 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $616,000 | 7,211 |
| Total interest expense | $165,000 | 7,546 |
| Net interest income | $451,000 | 6,934 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $82,000 | 6,027 |
| Gross Fiduciary activities income | $8,000 | 1,094 |
| Service charges on deposit accounts | $60,000 | 4,537 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $14,000 | 7,173 |
| Total noninterest expense | $403,000 | 6,756 |
| Salaries and employee benefits | $242,000 | 6,536 |
| Premises and equipment expense | $60,000 | 6,361 |
| Additional noninterest expense | $101,000 | 7,063 |
| Pre-tax net operating income | $130,000 | 6,676 |
| Securities gains (losses) | $-14,000 | 8,311 |
| Applicable income taxes | $-15,000 | 8,547 |
| Income before extraordinary items | $131,000 | 6,237 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $131,000 | 6,237 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $145,000 | 6,033 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $2,461,000 | 7,043 |
| Total interest expense | $564,000 | 7,431 |
| Net interest income | $1,897,000 | 6,764 |
| Provision for loan and lease losses | $16,000 | 6,605 |
| Total noninterest income | $342,000 | 6,066 |
| Gross Fiduciary activities income | $32,000 | 1,114 |
| Service charges on deposit accounts | $264,000 | 4,463 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $46,000 | 7,467 |
| Total noninterest expense | $2,051,000 | 6,020 |
| Salaries and employee benefits | $1,079,000 | 6,138 |
| Premises and equipment expense | $474,000 | 4,335 |
| Additional noninterest expense | $498,000 | 6,592 |
| Pre-tax net operating income | $172,000 | 7,774 |
| Securities gains (losses) | $13,000 | 1,399 |
| Applicable income taxes | $26,000 | 6,215 |
| Income before extraordinary items | $159,000 | 7,754 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $159,000 | 7,755 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,650 |
| Cash dividends | $221,000 | 4,792 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $147,820 | 7,766 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $1,834,000 | 7,063 |
| Total interest expense | $403,000 | 7,457 |
| Net interest income | $1,431,000 | 6,790 |
| Provision for loan and lease losses | $16,000 | 6,296 |
| Total noninterest income | $255,000 | 6,107 |
| Gross Fiduciary activities income | $32,000 | 1,054 |
| Service charges on deposit accounts | $192,000 | 4,547 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $31,000 | 7,617 |
| Total noninterest expense | $1,392,000 | 6,314 |
| Salaries and employee benefits | $755,000 | 6,332 |
| Premises and equipment expense | $283,000 | 5,031 |
| Additional noninterest expense | $354,000 | 6,704 |
| Pre-tax net operating income | $278,000 | 7,287 |
| Securities gains (losses) | $-13,000 | 8,007 |
| Applicable income taxes | $62,000 | 5,641 |
| Income before extraordinary items | $203,000 | 7,425 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $203,000 | 7,426 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $35,000 | 3,945 |
| Cash dividends | $61,000 | 4,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $213,010 | 7,343 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,210,000 | 7,059 |
| Total interest expense | $258,000 | 7,459 |
| Net interest income | $952,000 | 6,783 |
| Provision for loan and lease losses | $12,000 | 5,987 |
| Total noninterest income | $169,000 | 6,107 |
| Gross Fiduciary activities income | $25,000 | 1,039 |
| Service charges on deposit accounts | $121,000 | 4,629 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $23,000 | 7,491 |
| Total noninterest expense | $914,000 | 6,352 |
| Salaries and employee benefits | $503,000 | 6,324 |
| Premises and equipment expense | $181,000 | 5,157 |
| Additional noninterest expense | $230,000 | 6,772 |
| Pre-tax net operating income | $195,000 | 7,246 |
| Securities gains (losses) | $-8,000 | 8,078 |
| Applicable income taxes | $46,000 | 5,584 |
| Income before extraordinary items | $141,000 | 7,421 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $141,000 | 7,422 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,128 |
| Cash dividends | $61,000 | 4,627 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $147,000 | 7,329 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $602,000 | 7,096 |
| Total interest expense | $128,000 | 7,447 |
| Net interest income | $474,000 | 6,841 |
| Provision for loan and lease losses | $6,000 | 5,706 |
| Total noninterest income | $86,000 | 6,003 |
| Gross Fiduciary activities income | $12,000 | 1,041 |
| Service charges on deposit accounts | $59,000 | 4,633 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $15,000 | 7,267 |
| Total noninterest expense | $445,000 | 6,461 |
| Salaries and employee benefits | $245,000 | 6,442 |
| Premises and equipment expense | $91,000 | 5,179 |
| Additional noninterest expense | $109,000 | 6,925 |
| Pre-tax net operating income | $109,000 | 7,100 |
| Securities gains (losses) | $-8,000 | 8,484 |
| Applicable income taxes | $25,000 | 5,466 |
| Income before extraordinary items | $76,000 | 7,310 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $76,000 | 7,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 7,322 |
| Cash dividends | $0 | 3,863 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $82,000 | 7,162 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $2,539,000 | 6,853 |
| Total interest expense | $553,000 | 7,117 |
| Net interest income | $1,986,000 | 6,647 |
| Provision for loan and lease losses | $17,000 | 6,824 |
| Total noninterest income | $724,000 | 4,308 |
| Gross Fiduciary activities income | $63,000 | 1,024 |
| Service charges on deposit accounts | $239,000 | 4,837 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $422,000 | 3,619 |
| Total noninterest expense | $1,792,000 | 6,375 |
| Salaries and employee benefits | $960,000 | 6,417 |
| Premises and equipment expense | $383,000 | 4,907 |
| Additional noninterest expense | $449,000 | 6,844 |
| Pre-tax net operating income | $901,000 | 5,487 |
| Securities gains (losses) | $-24,000 | 8,423 |
| Applicable income taxes | $288,000 | 4,234 |
| Income before extraordinary items | $589,000 | 5,987 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $589,000 | 5,990 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-149,000 | 8,843 |
| Cash dividends | $376,000 | 4,010 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $605,080 | 5,859 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 6,882 |
| Total interest expense | $415,000 | 7,126 |
| Net interest income | $1,478,000 | 6,669 |
| Provision for loan and lease losses | $15,000 | 6,527 |
| Total noninterest income | $698,000 | 3,740 |
| Gross Fiduciary activities income | $49,000 | 1,018 |
| Service charges on deposit accounts | $176,000 | 4,910 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $473,000 | 2,900 |
| Total noninterest expense | $1,427,000 | 6,126 |
| Salaries and employee benefits | $787,000 | 6,068 |
| Premises and equipment expense | $297,000 | 4,786 |
| Additional noninterest expense | $343,000 | 6,772 |
| Pre-tax net operating income | $734,000 | 5,398 |
| Securities gains (losses) | $-24,000 | 8,687 |
| Applicable income taxes | $235,000 | 4,190 |
| Income before extraordinary items | $475,000 | 5,942 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $475,000 | 5,942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-155,000 | 8,880 |
| Cash dividends | $269,000 | 3,603 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $491,080 | 5,781 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,207,000 | 7,021 |
| Total interest expense | $271,000 | 7,200 |
| Net interest income | $936,000 | 6,839 |
| Provision for loan and lease losses | $13,000 | 6,215 |
| Total noninterest income | $598,000 | 3,178 |
| Gross Fiduciary activities income | $33,000 | 1,028 |
| Service charges on deposit accounts | $112,000 | 5,013 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $453,000 | 2,339 |
| Total noninterest expense | $981,000 | 6,050 |
| Salaries and employee benefits | $538,000 | 6,033 |
| Premises and equipment expense | $202,000 | 4,728 |
| Additional noninterest expense | $241,000 | 6,648 |
| Pre-tax net operating income | $540,000 | 5,121 |
| Securities gains (losses) | $-15,000 | 8,750 |
| Applicable income taxes | $176,000 | 3,992 |
| Income before extraordinary items | $349,000 | 5,684 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $349,000 | 5,684 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-180,000 | 8,972 |
| Cash dividends | $269,000 | 3,057 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $358,900 | 5,522 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $580,000 | 7,168 |
| Total interest expense | $132,000 | 7,324 |
| Net interest income | $448,000 | 6,988 |
| Provision for loan and lease losses | $10,000 | 5,595 |
| Total noninterest income | $496,000 | 2,174 |
| Gross Fiduciary activities income | $16,000 | 1,031 |
| Service charges on deposit accounts | $54,000 | 5,021 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $426,000 | 1,462 |
| Total noninterest expense | $472,000 | 6,241 |
| Salaries and employee benefits | $259,000 | 6,213 |
| Premises and equipment expense | $95,000 | 4,969 |
| Additional noninterest expense | $118,000 | 6,717 |
| Pre-tax net operating income | $462,000 | 3,726 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $165,000 | 2,911 |
| Income before extraordinary items | $297,000 | 4,297 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $297,000 | 4,296 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-177,000 | 9,035 |
| Cash dividends | $0 | 3,841 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $297,000 | 4,169 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,489,000 | 7,045 |
| Total interest expense | $653,000 | 7,212 |
| Net interest income | $1,836,000 | 6,846 |
| Provision for loan and lease losses | $50,000 | 6,256 |
| Total noninterest income | $449,000 | 5,696 |
| Gross Fiduciary activities income | $100,000 | 958 |
| Service charges on deposit accounts | $256,000 | 4,704 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $93,000 | 6,648 |
| Total noninterest expense | $1,676,000 | 6,570 |
| Salaries and employee benefits | $901,000 | 6,593 |
| Premises and equipment expense | $360,000 | 5,075 |
| Additional noninterest expense | $415,000 | 7,063 |
| Pre-tax net operating income | $559,000 | 6,482 |
| Securities gains (losses) | $75,000 | 2,153 |
| Applicable income taxes | $187,000 | 5,018 |
| Income before extraordinary items | $447,000 | 6,583 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $447,000 | 6,587 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-3,000 | 8,392 |
| Cash dividends | $180,000 | 5,040 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $393,750 | 6,684 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $1,893,000 | 7,104 |
| Total interest expense | $516,000 | 7,236 |
| Net interest income | $1,377,000 | 6,880 |
| Provision for loan and lease losses | $37,000 | 6,206 |
| Total noninterest income | $350,000 | 5,659 |
| Gross Fiduciary activities income | $86,000 | 936 |
| Service charges on deposit accounts | $200,000 | 4,612 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $64,000 | 6,840 |
| Total noninterest expense | $1,309,000 | 6,422 |
| Salaries and employee benefits | $727,000 | 6,352 |
| Premises and equipment expense | $278,000 | 4,976 |
| Additional noninterest expense | $304,000 | 7,104 |
| Pre-tax net operating income | $381,000 | 6,790 |
| Securities gains (losses) | $65,000 | 2,100 |
| Applicable income taxes | $129,000 | 5,289 |
| Income before extraordinary items | $317,000 | 6,853 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $317,000 | 6,854 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-9,000 | 8,498 |
| Cash dividends | $81,000 | 4,880 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $270,850 | 6,951 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,302,000 | 7,061 |
| Total interest expense | $366,000 | 7,220 |
| Net interest income | $936,000 | 6,844 |
| Provision for loan and lease losses | $25,000 | 6,080 |
| Total noninterest income | $214,000 | 5,853 |
| Gross Fiduciary activities income | $37,000 | 1,016 |
| Service charges on deposit accounts | $132,000 | 4,608 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $877,000 | 6,414 |
| Salaries and employee benefits | $494,000 | 6,308 |
| Premises and equipment expense | $182,000 | 5,012 |
| Additional noninterest expense | $201,000 | 7,129 |
| Pre-tax net operating income | $248,000 | 6,853 |
| Securities gains (losses) | $64,000 | 1,848 |
| Applicable income taxes | $91,000 | 5,245 |
| Income before extraordinary items | $221,000 | 6,770 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $221,000 | 6,774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 8,628 |
| Cash dividends | $81,000 | 4,445 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $175,560 | 7,028 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $658,000 | 7,075 |
| Total interest expense | $196,000 | 7,129 |
| Net interest income | $462,000 | 6,878 |
| Provision for loan and lease losses | $13,000 | 5,878 |
| Total noninterest income | $104,000 | 5,817 |
| Gross Fiduciary activities income | $16,000 | 1,055 |
| Service charges on deposit accounts | $64,000 | 4,593 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $24,000 | 6,621 |
| Total noninterest expense | $439,000 | 6,434 |
| Salaries and employee benefits | $245,000 | 6,326 |
| Premises and equipment expense | $93,000 | 4,937 |
| Additional noninterest expense | $101,000 | 7,129 |
| Pre-tax net operating income | $114,000 | 6,987 |
| Securities gains (losses) | $60,000 | 1,283 |
| Applicable income taxes | $53,000 | 5,018 |
| Income before extraordinary items | $121,000 | 6,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $121,000 | 6,533 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-5,000 | 8,212 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $79,000 | 7,156 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $2,913,000 | 6,939 |
| Total interest expense | $926,000 | 7,126 |
| Net interest income | $1,987,000 | 6,653 |
| Provision for loan and lease losses | $75,000 | 6,163 |
| Total noninterest income | $417,000 | 5,675 |
| Gross Fiduciary activities income | $41,000 | 1,154 |
| Service charges on deposit accounts | $279,000 | 4,401 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $97,000 | 6,503 |
| Total noninterest expense | $1,725,000 | 6,408 |
| Salaries and employee benefits | $918,000 | 6,449 |
| Premises and equipment expense | $371,000 | 4,903 |
| Additional noninterest expense | $436,000 | 6,901 |
| Pre-tax net operating income | $604,000 | 6,412 |
| Securities gains (losses) | $93,000 | 1,818 |
| Applicable income taxes | $206,000 | 5,067 |
| Income before extraordinary items | $491,000 | 6,451 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $491,000 | 6,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 4,965 |
| Cash dividends | $262,000 | 4,531 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $425,900 | 6,589 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,301,000 | 6,933 |
| Total interest expense | $1,425,000 | 7,137 |
| Net interest income | $1,876,000 | 6,647 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $421,000 | 5,543 |
| Gross Fiduciary activities income | $39,000 | 1,183 |
| Service charges on deposit accounts | $255,000 | 4,591 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $127,000 | 5,878 |
| Total noninterest expense | $1,727,000 | 6,288 |
| Salaries and employee benefits | $921,000 | 6,277 |
| Premises and equipment expense | $359,000 | 4,943 |
| Additional noninterest expense | $447,000 | 6,809 |
| Pre-tax net operating income | $450,000 | 6,751 |
| Securities gains (losses) | $65,000 | 2,113 |
| Applicable income taxes | $123,000 | 5,738 |
| Income before extraordinary items | $392,000 | 6,617 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $392,000 | 6,621 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 6,448 |
| Cash dividends | $136,000 | 5,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $342,600 | 6,760 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,494,000 | 6,939 |
| Total interest expense | $1,683,000 | 6,805 |
| Net interest income | $1,811,000 | 6,902 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $380,000 | 5,666 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $230,000 | 4,750 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,472 |
| Total noninterest expense | $1,679,000 | 6,309 |
| Salaries and employee benefits | $880,000 | 6,382 |
| Premises and equipment expense | $367,000 | 4,785 |
| Additional noninterest expense | $432,000 | 6,905 |
| Pre-tax net operating income | $392,000 | 7,517 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $83,000 | 6,747 |
| Income before extraordinary items | $309,000 | 7,413 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $309,000 | 7,412 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $148,000 | 2,885 |
| Cash dividends | $125,000 | 5,708 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $309,000 | 7,416 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,481,000 | 6,845 |
| Total interest expense | $1,710,000 | 6,526 |
| Net interest income | $1,771,000 | 7,067 |
| Provision for loan and lease losses | $132,000 | 4,547 |
| Total noninterest income | $348,000 | 6,022 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $191,000 | 5,239 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $157,000 | 5,495 |
| Total noninterest expense | $1,661,000 | 6,386 |
| Salaries and employee benefits | $905,000 | 6,278 |
| Premises and equipment expense | $369,000 | 4,795 |
| Additional noninterest expense | $387,000 | 7,379 |
| Pre-tax net operating income | $326,000 | 7,942 |
| Securities gains (losses) | $13,000 | 1,614 |
| Applicable income taxes | $44,000 | 7,746 |
| Income before extraordinary items | $295,000 | 7,635 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $295,000 | 7,634 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $136,000 | 3,017 |
| Cash dividends | $127,000 | 5,842 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $283,690 | 7,682 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,638,000 | 6,810 |
| Total interest expense | $1,887,000 | 6,376 |
| Net interest income | $1,751,000 | 7,156 |
| Provision for loan and lease losses | $146,000 | 4,231 |
| Total noninterest income | $345,000 | 6,052 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $156,000 | 5,579 |
| Total noninterest expense | $1,629,000 | 6,372 |
| Salaries and employee benefits | $892,000 | 6,245 |
| Premises and equipment expense | $356,000 | 4,821 |
| Additional noninterest expense | $381,000 | 7,379 |
| Pre-tax net operating income | $321,000 | 8,278 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $42,000 | 8,467 |
| Income before extraordinary items | $279,000 | 8,047 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $279,000 | 8,047 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,433 |
| Cash dividends | $104,000 | 6,216 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $279,000 | 7,973 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,805,000 | 6,840 |
| Total interest expense | $1,944,000 | 6,375 |
| Net interest income | $1,861,000 | 7,195 |
| Provision for loan and lease losses | $60,000 | 6,153 |
| Total noninterest income | $330,000 | 6,339 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,510 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $141,000 | 5,858 |
| Total noninterest expense | $1,696,000 | 6,306 |
| Salaries and employee benefits | $866,000 | 6,458 |
| Premises and equipment expense | $347,000 | 4,929 |
| Additional noninterest expense | $483,000 | 6,647 |
| Pre-tax net operating income | $435,000 | 8,259 |
| Securities gains (losses) | $31,000 | 1,616 |
| Applicable income taxes | $104,000 | 8,335 |
| Income before extraordinary items | $362,000 | 7,902 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $362,000 | 7,905 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $66,000 | 4,640 |
| Cash dividends | $104,000 | 6,416 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $337,820 | 8,048 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,720,000 | 7,132 |
| Total interest expense | $2,000,000 | 6,411 |
| Net interest income | $1,720,000 | 7,726 |
| Provision for loan and lease losses | $255,000 | 2,902 |
| Total noninterest income | $326,000 | 6,651 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $189,000 | 5,756 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $137,000 | 6,227 |
| Total noninterest expense | $1,596,000 | 6,857 |
| Salaries and employee benefits | $875,000 | 6,582 |
| Premises and equipment expense | $311,000 | 5,439 |
| Additional noninterest expense | $410,000 | 7,794 |
| Pre-tax net operating income | $195,000 | 9,815 |
| Securities gains (losses) | $55,000 | 1,274 |
| Applicable income taxes | $3,000 | 10,490 |
| Income before extraordinary items | $247,000 | 8,861 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $247,000 | 8,863 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $246,000 | 2,363 |
| Cash dividends | $95,000 | 6,831 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $192,550 | 9,317 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $3,319,000 | 7,779 |
| Total interest expense | $1,683,000 | 7,180 |
| Net interest income | $1,636,000 | 8,173 |
| Provision for loan and lease losses | $72,000 | 5,348 |
| Total noninterest income | $343,000 | 6,558 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $172,000 | 6,219 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $171,000 | 5,593 |
| Total noninterest expense | $1,612,000 | 6,945 |
| Salaries and employee benefits | $865,000 | 6,733 |
| Premises and equipment expense | $292,000 | 5,753 |
| Additional noninterest expense | $455,000 | 7,667 |
| Pre-tax net operating income | $295,000 | 9,775 |
| Securities gains (losses) | $-4,000 | 9,551 |
| Applicable income taxes | $3,000 | 11,058 |
| Income before extraordinary items | $288,000 | 9,058 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $288,000 | 9,064 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $16,000 | 6,953 |
| Cash dividends | $99,000 | 6,889 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $291,960 | 8,997 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,966,000 | 8,111 |
| Total interest expense | $1,359,000 | 7,355 |
| Net interest income | $1,607,000 | 8,567 |
| Provision for loan and lease losses | $109,000 | 4,383 |
| Total noninterest income | $289,000 | 7,391 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $159,000 | 6,683 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $130,000 | 6,669 |
| Total noninterest expense | $1,426,000 | 7,835 |
| Salaries and employee benefits | $772,000 | 7,368 |
| Premises and equipment expense | $226,000 | 6,941 |
| Additional noninterest expense | $428,000 | 8,551 |
| Pre-tax net operating income | $361,000 | 9,660 |
| Securities gains (losses) | $75,000 | 916 |
| Applicable income taxes | $52,000 | 10,415 |
| Income before extraordinary items | $384,000 | 8,317 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $384,000 | 8,324 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $138,000 | 3,123 |
| Cash dividends | $98,000 | 7,005 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $318,000 | 9,019 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $3,097,000 | 8,178 |
| Total interest expense | $1,436,000 | 7,423 |
| Net interest income | $1,661,000 | 8,609 |
| Provision for loan and lease losses | $70,000 | 6,634 |
| Total noninterest income | $285,000 | 7,870 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $157,000 | 6,922 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $128,000 | 7,075 |
| Total noninterest expense | $1,381,000 | 8,243 |
| Salaries and employee benefits | $765,000 | 7,537 |
| Premises and equipment expense | $212,000 | 7,448 |
| Additional noninterest expense | $404,000 | 9,230 |
| Pre-tax net operating income | $495,000 | 8,686 |
| Securities gains (losses) | $92,000 | 2,615 |
| Applicable income taxes | $139,000 | 8,881 |
| Income before extraordinary items | $448,000 | 7,990 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $448,000 | 8,164 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 6,983 |
| Cash dividends | $82,000 | 7,260 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $378,080 | 8,398 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $3,288,000 | 8,486 |
| Total interest expense | $1,668,000 | 7,988 |
| Net interest income | $1,620,000 | 8,899 |
| Provision for loan and lease losses | $132,000 | 6,450 |
| Total noninterest income | $275,000 | 8,098 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $143,000 | 7,298 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 7,114 |
| Total noninterest expense | $1,332,000 | 8,553 |
| Salaries and employee benefits | $734,000 | 7,742 |
| Premises and equipment expense | $175,000 | 8,439 |
| Additional noninterest expense | $423,000 | 9,288 |
| Pre-tax net operating income | $431,000 | 8,948 |
| Securities gains (losses) | $10,000 | 6,439 |
| Applicable income taxes | $184,000 | 7,884 |
| Income before extraordinary items | $257,000 | 9,826 |
| Extraordinary gains, net | $-11,000 | 13,479 |
| Net income | $246,000 | 10,120 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $125,000 | 5,342 |
| Cash dividends | $117,000 | 6,285 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $250,600 | 9,545 |
* 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.