Home > First Texas Bank > Income and Expense
First Texas Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $1,538,000 | 6,426 |
| Total interest expense | $183,000 | 7,643 |
| Net interest income | $1,355,000 | 5,659 |
| Provision for loan and lease losses | $117,000 | 5,156 |
| Total noninterest income | $276,000 | 4,597 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $95,000 | 4,760 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $181,000 | 3,802 |
| Total noninterest expense | $1,561,000 | 5,128 |
| Salaries and employee benefits | $839,000 | 4,949 |
| Premises and equipment expense | $146,000 | 5,811 |
| Additional noninterest expense | $576,000 | 4,840 |
| Pre-tax net operating income | $-47,000 | 5,955 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $-25,000 | 6,895 |
| Income before extraordinary items | $-22,000 | 5,988 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-22,000 | 5,987 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-22,000 | 5,987 |
| Net charge-offs | $141,000 | 3,846 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-22,000 | 5,920 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $782,000 | 6,432 |
| Total interest expense | $97,000 | 7,665 |
| Net interest income | $685,000 | 5,654 |
| Provision for loan and lease losses | $21,000 | 5,847 |
| Total noninterest income | $140,000 | 4,560 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $48,000 | 4,692 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $92,000 | 3,787 |
| Total noninterest expense | $759,000 | 5,140 |
| Salaries and employee benefits | $414,000 | 5,040 |
| Premises and equipment expense | $74,000 | 5,827 |
| Additional noninterest expense | $271,000 | 4,718 |
| Pre-tax net operating income | $45,000 | 5,702 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $11,000 | 3,919 |
| Income before extraordinary items | $34,000 | 5,935 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $34,000 | 5,937 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $34,000 | 5,937 |
| Net charge-offs | $34,000 | 3,910 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $34,000 | 5,769 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $3,877,000 | 6,073 |
| Total interest expense | $607,000 | 7,491 |
| Net interest income | $3,270,000 | 5,172 |
| Provision for loan and lease losses | $602,000 | 3,484 |
| Total noninterest income | $458,000 | 5,026 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $223,000 | 4,582 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $235,000 | 4,569 |
| Total noninterest expense | $2,752,000 | 5,381 |
| Salaries and employee benefits | $1,605,000 | 5,116 |
| Premises and equipment expense | $291,000 | 5,871 |
| Additional noninterest expense | $856,000 | 5,288 |
| Pre-tax net operating income | $374,000 | 5,206 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $108,000 | 3,330 |
| Income before extraordinary items | $266,000 | 5,238 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $266,000 | 5,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $498,000 | 2,802 |
| Cash dividends | $450,000 | 3,512 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $266,000 | 5,397 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $3,000,000 | 6,084 |
| Total interest expense | $502,000 | 7,499 |
| Net interest income | $2,498,000 | 5,151 |
| Provision for loan and lease losses | $26,000 | 6,375 |
| Total noninterest income | $366,000 | 4,992 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $165,000 | 4,642 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $201,000 | 4,407 |
| Total noninterest expense | $2,030,000 | 5,414 |
| Salaries and employee benefits | $1,200,000 | 5,155 |
| Premises and equipment expense | $211,000 | 5,965 |
| Additional noninterest expense | $619,000 | 5,341 |
| Pre-tax net operating income | $808,000 | 4,091 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $261,000 | 2,611 |
| Income before extraordinary items | $547,000 | 4,267 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $547,000 | 4,265 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 4,962 |
| Cash dividends | $450,000 | 2,883 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $547,000 | 4,424 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $2,049,000 | 6,094 |
| Total interest expense | $368,000 | 7,486 |
| Net interest income | $1,681,000 | 5,139 |
| Provision for loan and lease losses | $26,000 | 5,799 |
| Total noninterest income | $244,000 | 5,039 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $110,000 | 4,655 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $134,000 | 4,495 |
| Total noninterest expense | $1,348,000 | 5,458 |
| Salaries and employee benefits | $801,000 | 5,208 |
| Premises and equipment expense | $138,000 | 6,048 |
| Additional noninterest expense | $409,000 | 5,349 |
| Pre-tax net operating income | $551,000 | 4,202 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $178,000 | 2,817 |
| Income before extraordinary items | $373,000 | 4,619 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $373,000 | 4,619 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 5,182 |
| Cash dividends | $300,000 | 2,935 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $373,000 | 4,550 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,073,000 | 6,056 |
| Total interest expense | $211,000 | 7,405 |
| Net interest income | $862,000 | 5,075 |
| Provision for loan and lease losses | $17,000 | 5,028 |
| Total noninterest income | $120,000 | 5,085 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $58,000 | 4,507 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $62,000 | 4,635 |
| Total noninterest expense | $656,000 | 5,555 |
| Salaries and employee benefits | $402,000 | 5,214 |
| Premises and equipment expense | $68,000 | 6,121 |
| Additional noninterest expense | $186,000 | 5,573 |
| Pre-tax net operating income | $309,000 | 4,081 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $100,000 | 2,803 |
| Income before extraordinary items | $209,000 | 4,565 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $209,000 | 4,568 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,845 |
| Cash dividends | $150,000 | 2,574 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $209,000 | 4,469 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $4,541,000 | 5,969 |
| Total interest expense | $999,000 | 7,174 |
| Net interest income | $3,542,000 | 4,994 |
| Provision for loan and lease losses | $-36,000 | 8,289 |
| Total noninterest income | $497,000 | 5,041 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $247,000 | 4,482 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $250,000 | 4,598 |
| Total noninterest expense | $2,590,000 | 5,495 |
| Salaries and employee benefits | $1,549,000 | 5,209 |
| Premises and equipment expense | $238,000 | 6,364 |
| Additional noninterest expense | $803,000 | 5,332 |
| Pre-tax net operating income | $1,485,000 | 3,920 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $485,000 | 2,781 |
| Income before extraordinary items | $1,000,000 | 4,329 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,000,000 | 4,331 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 5,249 |
| Cash dividends | $600,000 | 3,413 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,000,000 | 4,315 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $3,430,000 | 5,977 |
| Total interest expense | $753,000 | 7,202 |
| Net interest income | $2,677,000 | 5,001 |
| Provision for loan and lease losses | $65,000 | 4,761 |
| Total noninterest income | $375,000 | 5,052 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $183,000 | 4,523 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $192,000 | 4,557 |
| Total noninterest expense | $1,915,000 | 5,510 |
| Salaries and employee benefits | $1,162,000 | 5,197 |
| Premises and equipment expense | $159,000 | 6,624 |
| Additional noninterest expense | $594,000 | 5,327 |
| Pre-tax net operating income | $1,072,000 | 4,206 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $349,000 | 2,983 |
| Income before extraordinary items | $723,000 | 4,575 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $723,000 | 4,575 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $28,000 | 4,289 |
| Cash dividends | $450,000 | 3,069 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $723,000 | 4,571 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $2,264,000 | 6,027 |
| Total interest expense | $492,000 | 7,252 |
| Net interest income | $1,772,000 | 5,044 |
| Provision for loan and lease losses | $50,000 | 4,348 |
| Total noninterest income | $266,000 | 4,950 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $126,000 | 4,462 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $140,000 | 4,458 |
| Total noninterest expense | $1,273,000 | 5,540 |
| Salaries and employee benefits | $774,000 | 5,238 |
| Premises and equipment expense | $103,000 | 6,719 |
| Additional noninterest expense | $396,000 | 5,327 |
| Pre-tax net operating income | $715,000 | 4,268 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $233,000 | 3,065 |
| Income before extraordinary items | $482,000 | 4,633 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $482,000 | 4,633 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 3,719 |
| Cash dividends | $300,000 | 3,098 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $482,000 | 4,626 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $1,130,000 | 6,029 |
| Total interest expense | $243,000 | 7,300 |
| Net interest income | $887,000 | 5,046 |
| Provision for loan and lease losses | $35,000 | 3,592 |
| Total noninterest income | $137,000 | 4,832 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $65,000 | 4,347 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $72,000 | 4,403 |
| Total noninterest expense | $621,000 | 5,644 |
| Salaries and employee benefits | $380,000 | 5,327 |
| Premises and equipment expense | $49,000 | 6,834 |
| Additional noninterest expense | $192,000 | 5,396 |
| Pre-tax net operating income | $368,000 | 4,196 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $120,000 | 3,028 |
| Income before extraordinary items | $248,000 | 4,579 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $248,000 | 4,581 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 2,389 |
| Cash dividends | $150,000 | 2,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $248,000 | 4,566 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $4,117,000 | 6,041 |
| Total interest expense | $825,000 | 7,278 |
| Net interest income | $3,292,000 | 5,250 |
| Provision for loan and lease losses | $65,000 | 5,245 |
| Total noninterest income | $561,000 | 4,882 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $262,000 | 4,393 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $299,000 | 4,293 |
| Total noninterest expense | $2,616,000 | 5,338 |
| Salaries and employee benefits | $1,602,000 | 4,985 |
| Premises and equipment expense | $175,000 | 6,971 |
| Additional noninterest expense | $839,000 | 5,087 |
| Pre-tax net operating income | $1,172,000 | 4,839 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $379,000 | 3,500 |
| Income before extraordinary items | $793,000 | 5,236 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $793,000 | 5,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 3,780 |
| Cash dividends | $600,000 | 3,434 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $793,000 | 5,233 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $3,025,000 | 6,106 |
| Total interest expense | $595,000 | 7,325 |
| Net interest income | $2,430,000 | 5,343 |
| Provision for loan and lease losses | $45,000 | 5,149 |
| Total noninterest income | $422,000 | 4,892 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $197,000 | 4,422 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $225,000 | 4,290 |
| Total noninterest expense | $1,919,000 | 5,393 |
| Salaries and employee benefits | $1,225,000 | 4,901 |
| Premises and equipment expense | $130,000 | 7,022 |
| Additional noninterest expense | $564,000 | 5,406 |
| Pre-tax net operating income | $888,000 | 5,004 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $287,000 | 3,644 |
| Income before extraordinary items | $601,000 | 5,352 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $601,000 | 5,355 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 5,294 |
| Cash dividends | $450,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $601,000 | 5,351 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $1,993,000 | 6,121 |
| Total interest expense | $383,000 | 7,349 |
| Net interest income | $1,610,000 | 5,386 |
| Provision for loan and lease losses | $30,000 | 4,987 |
| Total noninterest income | $294,000 | 4,800 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $130,000 | 4,426 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $164,000 | 4,129 |
| Total noninterest expense | $1,278,000 | 5,403 |
| Salaries and employee benefits | $821,000 | 4,913 |
| Premises and equipment expense | $80,000 | 7,182 |
| Additional noninterest expense | $377,000 | 5,413 |
| Pre-tax net operating income | $596,000 | 5,005 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $193,000 | 3,658 |
| Income before extraordinary items | $403,000 | 5,373 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $403,000 | 5,376 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,673 |
| Cash dividends | $300,000 | 3,088 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $403,000 | 5,372 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $971,000 | 6,165 |
| Total interest expense | $189,000 | 7,326 |
| Net interest income | $782,000 | 5,460 |
| Provision for loan and lease losses | $15,000 | 4,758 |
| Total noninterest income | $137,000 | 4,883 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $62,000 | 4,465 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $75,000 | 4,279 |
| Total noninterest expense | $634,000 | 5,439 |
| Salaries and employee benefits | $411,000 | 4,921 |
| Premises and equipment expense | $43,000 | 7,055 |
| Additional noninterest expense | $180,000 | 5,503 |
| Pre-tax net operating income | $270,000 | 5,209 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $87,000 | 3,781 |
| Income before extraordinary items | $183,000 | 5,534 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $183,000 | 5,534 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 4,110 |
| Cash dividends | $150,000 | 2,701 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $183,000 | 5,530 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $3,669,000 | 6,064 |
| Total interest expense | $398,000 | 7,897 |
| Net interest income | $3,271,000 | 5,220 |
| Provision for loan and lease losses | $60,000 | 5,443 |
| Total noninterest income | $597,000 | 4,797 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $276,000 | 4,378 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $321,000 | 4,193 |
| Total noninterest expense | $2,436,000 | 5,452 |
| Salaries and employee benefits | $1,555,000 | 4,932 |
| Premises and equipment expense | $157,000 | 7,194 |
| Additional noninterest expense | $724,000 | 5,489 |
| Pre-tax net operating income | $1,372,000 | 4,599 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $448,000 | 3,535 |
| Income before extraordinary items | $924,000 | 5,017 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $924,000 | 5,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 5,564 |
| Cash dividends | $600,000 | 3,308 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $924,000 | 4,988 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $2,689,000 | 6,113 |
| Total interest expense | $267,000 | 8,018 |
| Net interest income | $2,422,000 | 5,273 |
| Provision for loan and lease losses | $45,000 | 5,313 |
| Total noninterest income | $440,000 | 4,871 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $206,000 | 4,394 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $234,000 | 4,247 |
| Total noninterest expense | $1,826,000 | 5,434 |
| Salaries and employee benefits | $1,174,000 | 4,893 |
| Premises and equipment expense | $116,000 | 7,226 |
| Additional noninterest expense | $536,000 | 5,498 |
| Pre-tax net operating income | $991,000 | 4,797 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $324,000 | 3,669 |
| Income before extraordinary items | $667,000 | 5,203 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $667,000 | 5,206 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 4,845 |
| Cash dividends | $450,000 | 2,957 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $667,000 | 5,165 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $1,744,000 | 6,132 |
| Total interest expense | $158,000 | 8,128 |
| Net interest income | $1,586,000 | 5,316 |
| Provision for loan and lease losses | $30,000 | 5,130 |
| Total noninterest income | $300,000 | 4,786 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $136,000 | 4,370 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $164,000 | 4,121 |
| Total noninterest expense | $1,230,000 | 5,386 |
| Salaries and employee benefits | $789,000 | 4,857 |
| Premises and equipment expense | $75,000 | 7,276 |
| Additional noninterest expense | $366,000 | 5,383 |
| Pre-tax net operating income | $626,000 | 4,901 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $204,000 | 3,754 |
| Income before extraordinary items | $422,000 | 5,308 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $422,000 | 5,310 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 4,782 |
| Cash dividends | $300,000 | 2,918 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $422,000 | 5,270 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $861,000 | 6,175 |
| Total interest expense | $70,000 | 8,259 |
| Net interest income | $791,000 | 5,352 |
| Provision for loan and lease losses | $15,000 | 4,875 |
| Total noninterest income | $161,000 | 4,532 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $71,000 | 4,223 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $90,000 | 3,957 |
| Total noninterest expense | $611,000 | 5,456 |
| Salaries and employee benefits | $399,000 | 4,846 |
| Premises and equipment expense | $38,000 | 7,311 |
| Additional noninterest expense | $174,000 | 5,522 |
| Pre-tax net operating income | $326,000 | 4,785 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $106,000 | 3,681 |
| Income before extraordinary items | $220,000 | 5,171 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $220,000 | 5,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-6,000 | 7,691 |
| Cash dividends | $150,000 | 2,522 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $220,000 | 5,141 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $3,203,000 | 6,242 |
| Total interest expense | $224,000 | 8,383 |
| Net interest income | $2,979,000 | 5,433 |
| Provision for loan and lease losses | $50,000 | 5,899 |
| Total noninterest income | $574,000 | 4,929 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $266,000 | 4,596 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $308,000 | 4,217 |
| Total noninterest expense | $2,385,000 | 5,457 |
| Salaries and employee benefits | $1,465,000 | 5,037 |
| Premises and equipment expense | $153,000 | 7,293 |
| Additional noninterest expense | $767,000 | 5,243 |
| Pre-tax net operating income | $1,118,000 | 4,955 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $363,000 | 3,878 |
| Income before extraordinary items | $755,000 | 5,404 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $755,000 | 5,406 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 4,446 |
| Cash dividends | $600,000 | 3,196 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $755,000 | 5,327 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $2,361,000 | 6,295 |
| Total interest expense | $163,000 | 8,446 |
| Net interest income | $2,198,000 | 5,480 |
| Provision for loan and lease losses | $43,000 | 5,652 |
| Total noninterest income | $407,000 | 5,089 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $192,000 | 4,732 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $215,000 | 4,362 |
| Total noninterest expense | $1,783,000 | 5,436 |
| Salaries and employee benefits | $1,112,000 | 4,940 |
| Premises and equipment expense | $113,000 | 7,292 |
| Additional noninterest expense | $558,000 | 5,291 |
| Pre-tax net operating income | $779,000 | 5,255 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $252,000 | 4,073 |
| Income before extraordinary items | $527,000 | 5,690 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $527,000 | 5,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 4,599 |
| Cash dividends | $450,000 | 2,852 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $527,000 | 5,620 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $1,553,000 | 6,353 |
| Total interest expense | $110,000 | 8,496 |
| Net interest income | $1,443,000 | 5,519 |
| Provision for loan and lease losses | $30,000 | 5,293 |
| Total noninterest income | $278,000 | 5,009 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $122,000 | 4,840 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $156,000 | 4,232 |
| Total noninterest expense | $1,173,000 | 5,515 |
| Salaries and employee benefits | $728,000 | 5,021 |
| Premises and equipment expense | $74,000 | 7,367 |
| Additional noninterest expense | $371,000 | 5,325 |
| Pre-tax net operating income | $518,000 | 5,215 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $168,000 | 4,062 |
| Income before extraordinary items | $350,000 | 5,678 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $350,000 | 5,678 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 4,323 |
| Cash dividends | $300,000 | 2,849 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $350,000 | 5,589 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $756,000 | 6,455 |
| Total interest expense | $56,000 | 8,538 |
| Net interest income | $700,000 | 5,636 |
| Provision for loan and lease losses | $15,000 | 5,048 |
| Total noninterest income | $135,000 | 5,039 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $61,000 | 4,756 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $74,000 | 4,326 |
| Total noninterest expense | $583,000 | 5,545 |
| Salaries and employee benefits | $360,000 | 5,083 |
| Premises and equipment expense | $38,000 | 7,364 |
| Additional noninterest expense | $185,000 | 5,342 |
| Pre-tax net operating income | $237,000 | 5,411 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $76,000 | 4,215 |
| Income before extraordinary items | $161,000 | 5,840 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $161,000 | 5,840 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $14,000 | 3,279 |
| Cash dividends | $150,000 | 2,469 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $161,000 | 5,722 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $2,995,000 | 6,520 |
| Total interest expense | $282,000 | 8,518 |
| Net interest income | $2,713,000 | 5,626 |
| Provision for loan and lease losses | $60,000 | 5,969 |
| Total noninterest income | $553,000 | 5,173 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $261,000 | 4,646 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $292,000 | 4,569 |
| Total noninterest expense | $2,201,000 | 5,680 |
| Salaries and employee benefits | $1,353,000 | 5,203 |
| Premises and equipment expense | $148,000 | 7,428 |
| Additional noninterest expense | $700,000 | 5,505 |
| Pre-tax net operating income | $1,005,000 | 5,162 |
| Securities gains (losses) | $0 | 4,500 |
| Applicable income taxes | $323,000 | 4,166 |
| Income before extraordinary items | $682,000 | 5,660 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $682,000 | 5,662 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $59,000 | 4,862 |
| Cash dividends | $600,000 | 3,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $682,000 | 5,491 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $2,234,000 | 6,615 |
| Total interest expense | $226,000 | 8,563 |
| Net interest income | $2,008,000 | 5,700 |
| Provision for loan and lease losses | $45,000 | 5,860 |
| Total noninterest income | $394,000 | 5,353 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $194,000 | 4,693 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $200,000 | 4,798 |
| Total noninterest expense | $1,650,000 | 5,657 |
| Salaries and employee benefits | $1,024,000 | 5,170 |
| Premises and equipment expense | $107,000 | 7,515 |
| Additional noninterest expense | $519,000 | 5,520 |
| Pre-tax net operating income | $707,000 | 5,473 |
| Securities gains (losses) | $0 | 4,204 |
| Applicable income taxes | $227,000 | 4,452 |
| Income before extraordinary items | $480,000 | 5,949 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $480,000 | 5,950 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $57,000 | 4,060 |
| Cash dividends | $450,000 | 2,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $480,000 | 5,782 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $1,481,000 | 6,707 |
| Total interest expense | $167,000 | 8,544 |
| Net interest income | $1,314,000 | 5,752 |
| Provision for loan and lease losses | $30,000 | 5,740 |
| Total noninterest income | $261,000 | 5,347 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $125,000 | 4,754 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $136,000 | 4,735 |
| Total noninterest expense | $1,106,000 | 5,628 |
| Salaries and employee benefits | $681,000 | 5,183 |
| Premises and equipment expense | $71,000 | 7,525 |
| Additional noninterest expense | $354,000 | 5,439 |
| Pre-tax net operating income | $439,000 | 5,646 |
| Securities gains (losses) | $0 | 3,782 |
| Applicable income taxes | $140,000 | 4,611 |
| Income before extraordinary items | $299,000 | 6,106 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $299,000 | 6,105 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,999 |
| Cash dividends | $300,000 | 2,868 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $299,000 | 5,908 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $755,000 | 6,669 |
| Total interest expense | $93,000 | 8,524 |
| Net interest income | $662,000 | 5,722 |
| Provision for loan and lease losses | $15,000 | 5,504 |
| Total noninterest income | $127,000 | 5,311 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $60,000 | 4,759 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $67,000 | 4,710 |
| Total noninterest expense | $557,000 | 5,586 |
| Salaries and employee benefits | $338,000 | 5,218 |
| Premises and equipment expense | $34,000 | 7,649 |
| Additional noninterest expense | $185,000 | 5,250 |
| Pre-tax net operating income | $217,000 | 5,646 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $69,000 | 4,613 |
| Income before extraordinary items | $148,000 | 6,045 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $148,000 | 6,044 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 4,678 |
| Cash dividends | $150,000 | 2,511 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $148,000 | 5,862 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $3,204,000 | 6,636 |
| Total interest expense | $505,000 | 8,368 |
| Net interest income | $2,699,000 | 5,650 |
| Provision for loan and lease losses | $66,000 | 6,366 |
| Total noninterest income | $522,000 | 5,099 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $263,000 | 4,571 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $259,000 | 4,560 |
| Total noninterest expense | $2,106,000 | 5,698 |
| Salaries and employee benefits | $1,261,000 | 5,298 |
| Premises and equipment expense | $149,000 | 7,457 |
| Additional noninterest expense | $696,000 | 5,424 |
| Pre-tax net operating income | $1,049,000 | 5,079 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $337,000 | 4,242 |
| Income before extraordinary items | $712,000 | 5,514 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $712,000 | 5,513 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $37,000 | 5,669 |
| Cash dividends | $600,000 | 3,138 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $712,000 | 5,371 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $3,591,000 | 6,687 |
| Total interest expense | $974,000 | 8,078 |
| Net interest income | $2,617,000 | 5,565 |
| Provision for loan and lease losses | $36,000 | 7,043 |
| Total noninterest income | $472,000 | 5,223 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $254,000 | 4,601 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $218,000 | 4,761 |
| Total noninterest expense | $2,041,000 | 5,656 |
| Salaries and employee benefits | $1,173,000 | 5,412 |
| Premises and equipment expense | $155,000 | 7,436 |
| Additional noninterest expense | $713,000 | 5,217 |
| Pre-tax net operating income | $1,012,000 | 4,870 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $323,000 | 4,128 |
| Income before extraordinary items | $689,000 | 5,265 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $689,000 | 5,269 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 5,713 |
| Cash dividends | $400,000 | 3,838 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $689,000 | 5,149 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $3,444,000 | 6,981 |
| Total interest expense | $1,041,000 | 8,140 |
| Net interest income | $2,403,000 | 5,955 |
| Provision for loan and lease losses | $36,000 | 6,984 |
| Total noninterest income | $543,000 | 4,678 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $297,000 | 4,090 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $246,000 | 4,331 |
| Total noninterest expense | $1,917,000 | 5,828 |
| Salaries and employee benefits | $1,068,000 | 5,664 |
| Premises and equipment expense | $158,000 | 7,469 |
| Additional noninterest expense | $691,000 | 5,220 |
| Pre-tax net operating income | $993,000 | 5,272 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $320,000 | 4,456 |
| Income before extraordinary items | $673,000 | 5,516 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $673,000 | 5,515 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $348,000 | 4,226 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $673,000 | 5,521 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $3,112,000 | 7,241 |
| Total interest expense | $946,000 | 8,324 |
| Net interest income | $2,166,000 | 6,347 |
| Provision for loan and lease losses | $0 | 8,503 |
| Total noninterest income | $539,000 | 4,738 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $310,000 | 3,890 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $229,000 | 4,627 |
| Total noninterest expense | $1,891,000 | 5,883 |
| Salaries and employee benefits | $1,066,000 | 5,644 |
| Premises and equipment expense | $182,000 | 7,095 |
| Additional noninterest expense | $643,000 | 5,558 |
| Pre-tax net operating income | $814,000 | 5,873 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $263,000 | 5,094 |
| Income before extraordinary items | $551,000 | 6,155 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $551,000 | 6,152 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $26,000 | 5,786 |
| Cash dividends | $250,000 | 4,843 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $551,000 | 6,136 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $3,141,000 | 7,368 |
| Total interest expense | $960,000 | 8,527 |
| Net interest income | $2,181,000 | 6,325 |
| Provision for loan and lease losses | $0 | 8,652 |
| Total noninterest income | $464,000 | 5,150 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $318,000 | 3,762 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $146,000 | 5,750 |
| Total noninterest expense | $1,839,000 | 5,904 |
| Salaries and employee benefits | $1,031,000 | 5,658 |
| Premises and equipment expense | $194,000 | 6,806 |
| Additional noninterest expense | $614,000 | 5,659 |
| Pre-tax net operating income | $806,000 | 6,073 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $273,000 | 5,429 |
| Income before extraordinary items | $533,000 | 6,411 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $533,000 | 6,410 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,323 |
| Cash dividends | $250,000 | 4,929 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $533,000 | 6,301 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $3,094,000 | 7,639 |
| Total interest expense | $965,000 | 8,786 |
| Net interest income | $2,129,000 | 6,659 |
| Provision for loan and lease losses | $84,000 | 5,567 |
| Total noninterest income | $574,000 | 4,551 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $414,000 | 3,132 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $160,000 | 5,533 |
| Total noninterest expense | $2,351,000 | 5,022 |
| Salaries and employee benefits | $1,172,000 | 5,203 |
| Premises and equipment expense | $385,000 | 4,571 |
| Additional noninterest expense | $794,000 | 4,750 |
| Pre-tax net operating income | $268,000 | 9,191 |
| Securities gains (losses) | $0 | 3,944 |
| Applicable income taxes | $91,000 | 8,552 |
| Income before extraordinary items | $177,000 | 9,356 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $177,000 | 9,358 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $24,000 | 6,314 |
| Cash dividends | $75,000 | 6,827 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $177,000 | 9,308 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $3,052,000 | 7,932 |
| Total interest expense | $912,000 | 9,287 |
| Net interest income | $2,140,000 | 6,876 |
| Provision for loan and lease losses | $18,000 | 8,074 |
| Total noninterest income | $593,000 | 4,606 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $443,000 | 3,058 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,966 |
| Total noninterest expense | $2,122,000 | 5,692 |
| Salaries and employee benefits | $1,107,000 | 5,558 |
| Premises and equipment expense | $280,000 | 5,838 |
| Additional noninterest expense | $735,000 | 5,545 |
| Pre-tax net operating income | $593,000 | 7,455 |
| Securities gains (losses) | $0 | 4,148 |
| Applicable income taxes | $202,000 | 7,112 |
| Income before extraordinary items | $391,000 | 7,694 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $391,000 | 7,694 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $53,000 | 5,188 |
| Cash dividends | $300,000 | 4,471 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $391,000 | 7,638 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $2,998,000 | 8,207 |
| Total interest expense | $842,000 | 9,817 |
| Net interest income | $2,156,000 | 6,969 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $540,000 | 4,910 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $404,000 | 3,335 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $136,000 | 6,260 |
| Total noninterest expense | $1,966,000 | 6,064 |
| Salaries and employee benefits | $1,014,000 | 5,994 |
| Premises and equipment expense | $266,000 | 6,114 |
| Additional noninterest expense | $686,000 | 5,952 |
| Pre-tax net operating income | $730,000 | 7,164 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $248,000 | 6,675 |
| Income before extraordinary items | $482,000 | 7,386 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $482,000 | 7,386 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $39,000 | 5,578 |
| Cash dividends | $300,000 | 4,483 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $482,000 | 7,349 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $2,740,000 | 8,479 |
| Total interest expense | $695,000 | 10,120 |
| Net interest income | $2,045,000 | 7,461 |
| Provision for loan and lease losses | $-50,000 | 11,988 |
| Total noninterest income | $555,000 | 4,924 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 4,181 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $239,000 | 4,715 |
| Total noninterest expense | $1,464,000 | 7,715 |
| Salaries and employee benefits | $746,000 | 7,551 |
| Premises and equipment expense | $136,000 | 8,926 |
| Additional noninterest expense | $582,000 | 7,164 |
| Pre-tax net operating income | $1,186,000 | 5,277 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $399,000 | 4,778 |
| Income before extraordinary items | $787,000 | 5,429 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $787,000 | 5,445 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,659 |
| Cash dividends | $300,000 | 4,418 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $787,000 | 5,491 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $2,699,000 | 8,824 |
| Total interest expense | $850,000 | 9,787 |
| Net interest income | $1,849,000 | 8,100 |
| Provision for loan and lease losses | $25,000 | 8,682 |
| Total noninterest income | $442,000 | 6,062 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $302,000 | 4,398 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $140,000 | 6,785 |
| Total noninterest expense | $1,484,000 | 7,890 |
| Salaries and employee benefits | $725,000 | 7,826 |
| Premises and equipment expense | $136,000 | 9,286 |
| Additional noninterest expense | $623,000 | 7,147 |
| Pre-tax net operating income | $782,000 | 6,910 |
| Securities gains (losses) | $0 | 7,477 |
| Applicable income taxes | $261,000 | 6,630 |
| Income before extraordinary items | $521,000 | 7,377 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $521,000 | 7,554 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 6,409 |
| Cash dividends | $300,000 | 4,359 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $521,000 | 7,134 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $2,885,000 | 9,178 |
| Total interest expense | $1,242,000 | 9,448 |
| Net interest income | $1,643,000 | 8,829 |
| Provision for loan and lease losses | $120,000 | 6,707 |
| Total noninterest income | $520,000 | 5,499 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $276,000 | 4,743 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $244,000 | 5,037 |
| Total noninterest expense | $1,427,000 | 8,184 |
| Salaries and employee benefits | $689,000 | 8,074 |
| Premises and equipment expense | $121,000 | 9,986 |
| Additional noninterest expense | $617,000 | 7,358 |
| Pre-tax net operating income | $616,000 | 7,592 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $189,000 | 7,777 |
| Income before extraordinary items | $427,000 | 7,954 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $427,000 | 8,076 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $130,000 | 5,229 |
| Cash dividends | $500,000 | 2,760 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $427,000 | 7,594 |
* 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.