Home > First Trust and Savings Bank, Oneida, Tennessee > Income and Expense
First Trust and Savings Bank, Oneida, Tennessee, Income and Expense
| 2014-03-31 (YTD Data) | Rank | |
| Total interest income | $1,503,000 | 3,579 |
| Total interest expense | $256,000 | 2,629 |
| Net interest income | $1,247,000 | 3,689 |
| Provision for loan and lease losses | $50,000 | 2,211 |
| Total noninterest income | $181,000 | 3,639 |
| Gross Fiduciary activities income | $0 | 1,141 |
| Service charges on deposit accounts | $124,000 | 2,253 |
| Trading account gains and fees | $0 | 147 |
| Additional Noninterest Income | $57,000 | 4,383 |
| Total noninterest expense | $1,047,000 | 3,795 |
| Salaries and employee benefits | $514,000 | 4,006 |
| Premises and equipment expense | $138,000 | 3,531 |
| Additional noninterest expense | $395,000 | 3,437 |
| Pre-tax net operating income | $331,000 | 3,648 |
| Securities gains (losses) | $0 | 1,715 |
| Applicable income taxes | $18,000 | 3,565 |
| Income before extraordinary items | $313,000 | 3,472 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $313,000 | 3,475 |
| Minority interest net income | $0 | 66 |
| Net income of bank and minority interests. | $313,000 | 3,475 |
| Net charge-offs | $53,000 | 1,827 |
| Cash dividends | $0 | 2,887 |
| Sale, conversion, retirement of capital stock, net | $0 | 747 |
| Net operating income | $313,000 | 3,427 |
| 2013-12-31 (YTD Data) | Rank | |
| Total interest income | $6,343,000 | 3,491 |
| Total interest expense | $1,192,000 | 2,576 |
| Net interest income | $5,151,000 | 3,636 |
| Provision for loan and lease losses | $700,000 | 1,469 |
| Total noninterest income | $502,000 | 4,400 |
| Gross Fiduciary activities income | $0 | 1,299 |
| Service charges on deposit accounts | $571,000 | 2,153 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $-69,000 | 6,590 |
| Total noninterest expense | $4,491,000 | 3,650 |
| Salaries and employee benefits | $2,006,000 | 4,066 |
| Premises and equipment expense | $508,000 | 3,696 |
| Additional noninterest expense | $1,977,000 | 2,993 |
| Pre-tax net operating income | $462,000 | 5,077 |
| Securities gains (losses) | $26,000 | 2,209 |
| Applicable income taxes | $28,000 | 3,990 |
| Income before extraordinary items | $460,000 | 4,985 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $460,000 | 4,988 |
| Minority interest net income | $0 | 90 |
| Net income of bank and minority interests. | $460,000 | 4,988 |
| Net charge-offs | $1,141,000 | 1,145 |
| Cash dividends | $0 | 4,350 |
| Sale, conversion, retirement of capital stock, net | $0 | 924 |
| Net operating income | $435,560 | 4,998 |
| 2013-09-30 (YTD Data) | Rank | |
| Total interest income | $4,784,000 | 3,504 |
| Total interest expense | $916,000 | 2,602 |
| Net interest income | $3,868,000 | 3,654 |
| Provision for loan and lease losses | $605,000 | 1,316 |
| Total noninterest income | $666,000 | 3,485 |
| Gross Fiduciary activities income | $0 | 1,238 |
| Service charges on deposit accounts | $433,000 | 2,136 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $233,000 | 4,115 |
| Total noninterest expense | $3,395,000 | 3,656 |
| Salaries and employee benefits | $1,499,000 | 4,091 |
| Premises and equipment expense | $391,000 | 3,666 |
| Additional noninterest expense | $1,505,000 | 2,975 |
| Pre-tax net operating income | $534,000 | 4,677 |
| Securities gains (losses) | $0 | 3,040 |
| Applicable income taxes | $10,000 | 4,315 |
| Income before extraordinary items | $524,000 | 4,530 |
| Extraordinary gains, net | $0 | 25 |
| Net income | $524,000 | 4,533 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $524,000 | 4,534 |
| Net charge-offs | $855,000 | 1,120 |
| Cash dividends | $0 | 3,782 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $524,000 | 4,449 |
| 2013-06-30 (YTD Data) | Rank | |
| Total interest income | $3,177,000 | 3,523 |
| Total interest expense | $634,000 | 2,594 |
| Net interest income | $2,543,000 | 3,679 |
| Provision for loan and lease losses | $310,000 | 1,604 |
| Total noninterest income | $547,000 | 3,132 |
| Gross Fiduciary activities income | $0 | 1,226 |
| Service charges on deposit accounts | $283,000 | 2,139 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $264,000 | 3,384 |
| Total noninterest expense | $2,335,000 | 3,602 |
| Salaries and employee benefits | $996,000 | 4,128 |
| Premises and equipment expense | $270,000 | 3,594 |
| Additional noninterest expense | $1,069,000 | 2,813 |
| Pre-tax net operating income | $445,000 | 4,314 |
| Securities gains (losses) | $0 | 2,791 |
| Applicable income taxes | $-8,000 | 6,577 |
| Income before extraordinary items | $453,000 | 4,106 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $453,000 | 4,109 |
| Minority interest net income | $0 | 82 |
| Net income of bank and minority interests. | $453,000 | 4,109 |
| Net charge-offs | $732,000 | 960 |
| Cash dividends | $0 | 3,564 |
| Sale, conversion, retirement of capital stock, net | $0 | 838 |
| Net operating income | $453,000 | 4,001 |
| 2013-03-31 (YTD Data) | Rank | |
| Total interest income | $1,576,000 | 3,572 |
| Total interest expense | $323,000 | 2,630 |
| Net interest income | $1,253,000 | 3,723 |
| Provision for loan and lease losses | $95,000 | 2,137 |
| Total noninterest income | $260,000 | 3,214 |
| Gross Fiduciary activities income | $0 | 1,171 |
| Service charges on deposit accounts | $140,000 | 2,146 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $120,000 | 3,505 |
| Total noninterest expense | $1,109,000 | 3,746 |
| Salaries and employee benefits | $497,000 | 4,174 |
| Premises and equipment expense | $140,000 | 3,543 |
| Additional noninterest expense | $472,000 | 3,117 |
| Pre-tax net operating income | $309,000 | 3,753 |
| Securities gains (losses) | $0 | 1,966 |
| Applicable income taxes | $-16,000 | 6,775 |
| Income before extraordinary items | $325,000 | 3,423 |
| Extraordinary gains, net | $0 | 10 |
| Net income | $325,000 | 3,423 |
| Minority interest net income | $0 | 76 |
| Net income of bank and minority interests. | $325,000 | 3,425 |
| Net charge-offs | $703,000 | 615 |
| Cash dividends | $0 | 2,726 |
| Sale, conversion, retirement of capital stock, net | $0 | 789 |
| Net operating income | $325,000 | 3,323 |
| 2012-12-31 (YTD Data) | Rank | |
| Total interest income | $7,003,000 | 3,450 |
| Total interest expense | $1,432,000 | 2,820 |
| Net interest income | $5,571,000 | 3,546 |
| Provision for loan and lease losses | $650,000 | 2,345 |
| Total noninterest income | $739,000 | 3,793 |
| Gross Fiduciary activities income | $0 | 1,334 |
| Service charges on deposit accounts | $608,000 | 2,130 |
| Trading account gains and fees | $0 | 166 |
| Additional Noninterest Income | $131,000 | 5,074 |
| Total noninterest expense | $5,074,000 | 3,424 |
| Salaries and employee benefits | $1,953,000 | 4,193 |
| Premises and equipment expense | $613,000 | 3,332 |
| Additional noninterest expense | $2,508,000 | 2,553 |
| Pre-tax net operating income | $586,000 | 4,736 |
| Securities gains (losses) | $26,000 | 3,070 |
| Applicable income taxes | $110,000 | 3,441 |
| Income before extraordinary items | $502,000 | 4,928 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $502,000 | 4,927 |
| Minority interest net income | $0 | 93 |
| Net income of bank and minority interests. | $502,000 | 4,928 |
| Net charge-offs | $883,000 | 1,955 |
| Cash dividends | $0 | 4,373 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,002 |
| Net operating income | $480,680 | 4,792 |
| 2012-09-30 (YTD Data) | Rank | |
| Total interest income | $5,346,000 | 3,468 |
| Total interest expense | $1,094,000 | 2,875 |
| Net interest income | $4,252,000 | 3,561 |
| Provision for loan and lease losses | $554,000 | 2,148 |
| Total noninterest income | $558,000 | 3,817 |
| Gross Fiduciary activities income | $0 | 1,274 |
| Service charges on deposit accounts | $453,000 | 2,172 |
| Trading account gains and fees | $0 | 157 |
| Additional Noninterest Income | $105,000 | 5,071 |
| Total noninterest expense | $3,693,000 | 3,527 |
| Salaries and employee benefits | $1,467,000 | 4,203 |
| Premises and equipment expense | $452,000 | 3,421 |
| Additional noninterest expense | $1,774,000 | 2,705 |
| Pre-tax net operating income | $563,000 | 4,554 |
| Securities gains (losses) | $0 | 3,575 |
| Applicable income taxes | $83,000 | 3,490 |
| Income before extraordinary items | $480,000 | 4,700 |
| Extraordinary gains, net | $0 | 20 |
| Net income | $480,000 | 4,700 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $480,000 | 4,700 |
| Net charge-offs | $546,000 | 2,076 |
| Cash dividends | $0 | 3,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 952 |
| Net operating income | $480,000 | 4,515 |
| 2012-06-30 (YTD Data) | Rank | |
| Total interest income | $3,604,000 | 3,459 |
| Total interest expense | $747,000 | 2,915 |
| Net interest income | $2,857,000 | 3,565 |
| Provision for loan and lease losses | $325,000 | 2,305 |
| Total noninterest income | $358,000 | 3,876 |
| Gross Fiduciary activities income | $0 | 1,262 |
| Service charges on deposit accounts | $297,000 | 2,180 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $61,000 | 5,258 |
| Total noninterest expense | $2,280,000 | 3,746 |
| Salaries and employee benefits | $995,000 | 4,185 |
| Premises and equipment expense | $304,000 | 3,409 |
| Additional noninterest expense | $981,000 | 3,176 |
| Pre-tax net operating income | $610,000 | 3,773 |
| Securities gains (losses) | $0 | 3,178 |
| Applicable income taxes | $55,000 | 3,486 |
| Income before extraordinary items | $555,000 | 3,793 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $555,000 | 3,795 |
| Minority interest net income | $0 | 84 |
| Net income of bank and minority interests. | $555,000 | 3,796 |
| Net charge-offs | $362,000 | 2,113 |
| Cash dividends | $0 | 3,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 928 |
| Net operating income | $555,000 | 3,608 |
| 2012-03-31 (YTD Data) | Rank | |
| Total interest income | $1,864,000 | 3,402 |
| Total interest expense | $363,000 | 3,065 |
| Net interest income | $1,501,000 | 3,457 |
| Provision for loan and lease losses | $175,000 | 2,152 |
| Total noninterest income | $140,000 | 4,363 |
| Gross Fiduciary activities income | $0 | 1,204 |
| Service charges on deposit accounts | $141,000 | 2,256 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $-1,000 | 6,917 |
| Total noninterest expense | $1,055,000 | 3,958 |
| Salaries and employee benefits | $498,000 | 4,213 |
| Premises and equipment expense | $162,000 | 3,266 |
| Additional noninterest expense | $395,000 | 3,664 |
| Pre-tax net operating income | $411,000 | 3,258 |
| Securities gains (losses) | $0 | 2,210 |
| Applicable income taxes | $28,000 | 3,471 |
| Income before extraordinary items | $383,000 | 3,165 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $383,000 | 3,169 |
| Minority interest net income | $0 | 78 |
| Net income of bank and minority interests. | $383,000 | 3,169 |
| Net charge-offs | $302,000 | 1,488 |
| Cash dividends | $0 | 2,768 |
| Sale, conversion, retirement of capital stock, net | $0 | 861 |
| Net operating income | $383,000 | 3,003 |
| 2011-12-31 (YTD Data) | Rank | |
| Total interest income | $7,772,000 | 3,401 |
| Total interest expense | $1,756,000 | 3,062 |
| Net interest income | $6,016,000 | 3,457 |
| Provision for loan and lease losses | $2,191,000 | 1,475 |
| Total noninterest income | $1,096,000 | 2,963 |
| Gross Fiduciary activities income | $0 | 1,311 |
| Service charges on deposit accounts | $658,000 | 2,087 |
| Trading account gains and fees | $0 | 146 |
| Additional Noninterest Income | $438,000 | 3,307 |
| Total noninterest expense | $4,668,000 | 3,711 |
| Salaries and employee benefits | $1,932,000 | 4,255 |
| Premises and equipment expense | $629,000 | 3,462 |
| Additional noninterest expense | $2,107,000 | 2,992 |
| Pre-tax net operating income | $253,000 | 5,371 |
| Securities gains (losses) | $30,000 | 2,902 |
| Applicable income taxes | $-3,000 | 6,532 |
| Income before extraordinary items | $286,000 | 5,295 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $286,000 | 5,297 |
| Minority interest net income | $0 | 96 |
| Net income of bank and minority interests. | $286,000 | 5,297 |
| Net charge-offs | $1,707,000 | 1,717 |
| Cash dividends | $0 | 4,207 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,108 |
| Net operating income | $256,000 | 5,265 |
| 2011-09-30 (YTD Data) | Rank | |
| Total interest income | $5,885,000 | 3,413 |
| Total interest expense | $1,356,000 | 3,104 |
| Net interest income | $4,529,000 | 3,454 |
| Provision for loan and lease losses | $1,641,000 | 1,427 |
| Total noninterest income | $881,000 | 2,824 |
| Gross Fiduciary activities income | $0 | 1,257 |
| Service charges on deposit accounts | $500,000 | 2,077 |
| Trading account gains and fees | $0 | 145 |
| Additional Noninterest Income | $381,000 | 3,115 |
| Total noninterest expense | $3,333,000 | 3,849 |
| Salaries and employee benefits | $1,457,000 | 4,249 |
| Premises and equipment expense | $466,000 | 3,527 |
| Additional noninterest expense | $1,410,000 | 3,305 |
| Pre-tax net operating income | $436,000 | 4,663 |
| Securities gains (losses) | $30,000 | 2,637 |
| Applicable income taxes | $104,000 | 3,170 |
| Income before extraordinary items | $362,000 | 4,803 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $362,000 | 4,804 |
| Minority interest net income | $0 | 87 |
| Net income of bank and minority interests. | $362,000 | 4,804 |
| Net charge-offs | $564,000 | 2,538 |
| Cash dividends | $0 | 3,617 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,036 |
| Net operating income | $338,600 | 4,783 |
| 2011-06-30 (YTD Data) | Rank | |
| Total interest income | $3,974,000 | 3,412 |
| Total interest expense | $942,000 | 3,103 |
| Net interest income | $3,032,000 | 3,450 |
| Provision for loan and lease losses | $1,491,000 | 1,136 |
| Total noninterest income | $579,000 | 2,862 |
| Gross Fiduciary activities income | $0 | 1,239 |
| Service charges on deposit accounts | $322,000 | 2,112 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $257,000 | 3,118 |
| Total noninterest expense | $2,122,000 | 4,012 |
| Salaries and employee benefits | $966,000 | 4,289 |
| Premises and equipment expense | $297,000 | 3,672 |
| Additional noninterest expense | $859,000 | 3,565 |
| Pre-tax net operating income | $-2,000 | 6,206 |
| Securities gains (losses) | $9,000 | 2,392 |
| Applicable income taxes | $69,000 | 3,139 |
| Income before extraordinary items | $-62,000 | 6,445 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-62,000 | 6,445 |
| Minority interest net income | $0 | 89 |
| Net income of bank and minority interests. | $-62,000 | 6,445 |
| Net charge-offs | $436,000 | 2,281 |
| Cash dividends | $0 | 3,374 |
| Sale, conversion, retirement of capital stock, net | $0 | 986 |
| Net operating income | $-67,760 | 6,408 |
| 2011-03-31 (YTD Data) | Rank | |
| Total interest income | $2,004,000 | 3,402 |
| Total interest expense | $477,000 | 3,164 |
| Net interest income | $1,527,000 | 3,414 |
| Provision for loan and lease losses | $150,000 | 2,750 |
| Total noninterest income | $260,000 | 3,081 |
| Gross Fiduciary activities income | $0 | 1,199 |
| Service charges on deposit accounts | $143,000 | 2,279 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $117,000 | 3,308 |
| Total noninterest expense | $1,057,000 | 4,044 |
| Salaries and employee benefits | $490,000 | 4,290 |
| Premises and equipment expense | $162,000 | 3,505 |
| Additional noninterest expense | $405,000 | 3,697 |
| Pre-tax net operating income | $580,000 | 2,286 |
| Securities gains (losses) | $9,000 | 1,340 |
| Applicable income taxes | $35,000 | 3,081 |
| Income before extraordinary items | $554,000 | 2,061 |
| Extraordinary gains, net | $0 | 9 |
| Net income | $554,000 | 2,060 |
| Minority interest net income | $0 | 86 |
| Net income of bank and minority interests. | $554,000 | 2,061 |
| Net charge-offs | $180,000 | 2,205 |
| Cash dividends | $0 | 2,576 |
| Sale, conversion, retirement of capital stock, net | $0 | 925 |
| Net operating income | $545,540 | 2,054 |
| 2010-12-31 (YTD Data) | Rank | |
| Total interest income | $7,872,000 | 3,597 |
| Total interest expense | $2,214,000 | 3,293 |
| Net interest income | $5,658,000 | 3,638 |
| Provision for loan and lease losses | $1,250,000 | 2,715 |
| Total noninterest income | $1,079,000 | 3,104 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $680,000 | 2,089 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $399,000 | 3,517 |
| Total noninterest expense | $4,222,000 | 4,061 |
| Salaries and employee benefits | $1,954,000 | 4,304 |
| Premises and equipment expense | $550,000 | 3,951 |
| Additional noninterest expense | $1,718,000 | 3,650 |
| Pre-tax net operating income | $1,265,000 | 3,008 |
| Securities gains (losses) | $1,000 | 3,687 |
| Applicable income taxes | $131,000 | 3,027 |
| Income before extraordinary items | $1,135,000 | 3,006 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $1,135,000 | 3,003 |
| Minority interest net income | $0 | 111 |
| Net income of bank and minority interests. | $1,135,000 | 3,006 |
| Net charge-offs | $608,000 | 3,381 |
| Cash dividends | $600,000 | 2,113 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,226 |
| Net operating income | $1,134,100 | 2,882 |
| 2010-09-30 (YTD Data) | Rank | |
| Total interest income | $5,961,000 | 3,642 |
| Total interest expense | $1,686,000 | 3,375 |
| Net interest income | $4,275,000 | 3,657 |
| Provision for loan and lease losses | $750,000 | 2,938 |
| Total noninterest income | $852,000 | 3,024 |
| Gross Fiduciary activities income | $0 | 1,319 |
| Service charges on deposit accounts | $511,000 | 2,135 |
| Trading account gains and fees | $0 | 165 |
| Additional Noninterest Income | $341,000 | 3,341 |
| Total noninterest expense | $3,022,000 | 4,205 |
| Salaries and employee benefits | $1,447,000 | 4,373 |
| Premises and equipment expense | $404,000 | 4,069 |
| Additional noninterest expense | $1,171,000 | 3,862 |
| Pre-tax net operating income | $1,355,000 | 2,571 |
| Securities gains (losses) | $0 | 3,651 |
| Applicable income taxes | $96,000 | 3,154 |
| Income before extraordinary items | $1,259,000 | 2,465 |
| Extraordinary gains, net | $0 | 23 |
| Net income | $1,259,000 | 2,462 |
| Minority interest net income | $0 | 110 |
| Net income of bank and minority interests. | $1,259,000 | 2,466 |
| Net charge-offs | $404,000 | 3,342 |
| Cash dividends | $600,000 | 1,540 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,139 |
| Net operating income | $1,259,000 | 2,328 |
| 2010-06-30 (YTD Data) | Rank | |
| Total interest income | $3,977,000 | 3,667 |
| Total interest expense | $1,123,000 | 3,478 |
| Net interest income | $2,854,000 | 3,655 |
| Provision for loan and lease losses | $600,000 | 2,565 |
| Total noninterest income | $553,000 | 3,029 |
| Gross Fiduciary activities income | $0 | 1,300 |
| Service charges on deposit accounts | $329,000 | 2,190 |
| Trading account gains and fees | $0 | 152 |
| Additional Noninterest Income | $224,000 | 3,313 |
| Total noninterest expense | $1,974,000 | 4,279 |
| Salaries and employee benefits | $962,000 | 4,403 |
| Premises and equipment expense | $264,000 | 4,139 |
| Additional noninterest expense | $748,000 | 3,965 |
| Pre-tax net operating income | $833,000 | 2,723 |
| Securities gains (losses) | $0 | 3,184 |
| Applicable income taxes | $61,000 | 3,164 |
| Income before extraordinary items | $772,000 | 2,568 |
| Extraordinary gains, net | $0 | 19 |
| Net income | $772,000 | 2,565 |
| Minority interest net income | $0 | 105 |
| Net income of bank and minority interests. | $772,000 | 2,568 |
| Net charge-offs | $266,000 | 3,198 |
| Cash dividends | $600,000 | 1,128 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $772,000 | 2,471 |
| 2010-03-31 (YTD Data) | Rank | |
| Total interest income | $1,991,000 | 3,724 |
| Total interest expense | $566,000 | 3,594 |
| Net interest income | $1,425,000 | 3,696 |
| Provision for loan and lease losses | $150,000 | 3,336 |
| Total noninterest income | $241,000 | 3,269 |
| Gross Fiduciary activities income | $0 | 1,246 |
| Service charges on deposit accounts | $150,000 | 2,342 |
| Trading account gains and fees | $0 | 175 |
| Additional Noninterest Income | $91,000 | 3,692 |
| Total noninterest expense | $965,000 | 4,388 |
| Salaries and employee benefits | $480,000 | 4,467 |
| Premises and equipment expense | $131,000 | 4,251 |
| Additional noninterest expense | $354,000 | 4,124 |
| Pre-tax net operating income | $551,000 | 2,240 |
| Securities gains (losses) | $0 | 2,284 |
| Applicable income taxes | $22,000 | 3,391 |
| Income before extraordinary items | $529,000 | 2,042 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $529,000 | 2,041 |
| Minority interest net income | $0 | 91 |
| Net income of bank and minority interests. | $529,000 | 2,042 |
| Net charge-offs | $67,000 | 3,472 |
| Cash dividends | $200,000 | 1,369 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,017 |
| Net operating income | $529,000 | 1,961 |
| 2009-12-31 (YTD Data) | Rank | |
| Total interest income | $7,753,000 | 3,899 |
| Total interest expense | $2,584,000 | 3,805 |
| Net interest income | $5,169,000 | 3,858 |
| Provision for loan and lease losses | $605,000 | 4,238 |
| Total noninterest income | $985,000 | 3,365 |
| Gross Fiduciary activities income | $0 | 1,390 |
| Service charges on deposit accounts | $616,000 | 2,496 |
| Trading account gains and fees | $0 | 211 |
| Additional Noninterest Income | $369,000 | 3,671 |
| Total noninterest expense | $3,745,000 | 4,521 |
| Salaries and employee benefits | $1,836,000 | 4,621 |
| Premises and equipment expense | $541,000 | 4,172 |
| Additional noninterest expense | $1,368,000 | 4,342 |
| Pre-tax net operating income | $1,804,000 | 2,081 |
| Securities gains (losses) | $0 | 3,754 |
| Applicable income taxes | $89,000 | 2,936 |
| Income before extraordinary items | $1,715,000 | 1,905 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,715,000 | 1,902 |
| Minority interest net income | $0 | 115 |
| Net income of bank and minority interests. | $1,715,000 | 1,904 |
| Net charge-offs | $370,000 | 4,203 |
| Cash dividends | $680,000 | 2,158 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,342 |
| Net operating income | $1,715,000 | 1,868 |
| 2009-09-30 (YTD Data) | Rank | |
| Total interest income | $5,781,000 | 3,979 |
| Total interest expense | $2,000,000 | 3,846 |
| Net interest income | $3,781,000 | 3,925 |
| Provision for loan and lease losses | $305,000 | 4,563 |
| Total noninterest income | $744,000 | 3,419 |
| Gross Fiduciary activities income | $0 | 1,353 |
| Service charges on deposit accounts | $455,000 | 2,539 |
| Trading account gains and fees | $0 | 212 |
| Additional Noninterest Income | $289,000 | 3,684 |
| Total noninterest expense | $2,748,000 | 4,595 |
| Salaries and employee benefits | $1,370,000 | 4,661 |
| Premises and equipment expense | $389,000 | 4,327 |
| Additional noninterest expense | $989,000 | 4,425 |
| Pre-tax net operating income | $1,472,000 | 2,083 |
| Securities gains (losses) | $0 | 3,497 |
| Applicable income taxes | $66,000 | 3,156 |
| Income before extraordinary items | $1,406,000 | 1,892 |
| Extraordinary gains, net | $0 | 27 |
| Net income | $1,406,000 | 1,891 |
| Minority interest net income | $0 | 118 |
| Net income of bank and minority interests. | $1,406,000 | 1,892 |
| Net charge-offs | $246,000 | 3,993 |
| Cash dividends | $450,000 | 2,118 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,406,000 | 1,844 |
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $3,827,000 | 4,028 |
| Total interest expense | $1,384,000 | 3,875 |
| Net interest income | $2,443,000 | 3,995 |
| Provision for loan and lease losses | $155,000 | 4,696 |
| Total noninterest income | $496,000 | 3,434 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $293,000 | 2,569 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $203,000 | 3,629 |
| Total noninterest expense | $1,817,000 | 4,660 |
| Salaries and employee benefits | $905,000 | 4,733 |
| Premises and equipment expense | $258,000 | 4,372 |
| Additional noninterest expense | $654,000 | 4,459 |
| Pre-tax net operating income | $967,000 | 2,173 |
| Securities gains (losses) | $0 | 3,136 |
| Applicable income taxes | $44,000 | 3,242 |
| Income before extraordinary items | $923,000 | 1,978 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $923,000 | 1,976 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $923,000 | 1,977 |
| Net charge-offs | $167,000 | 3,648 |
| Cash dividends | $300,000 | 2,182 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $923,000 | 1,911 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $1,881,000 | 4,121 |
| Total interest expense | $714,000 | 3,887 |
| Net interest income | $1,167,000 | 4,101 |
| Provision for loan and lease losses | $70,000 | 4,469 |
| Total noninterest income | $260,000 | 3,296 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $139,000 | 2,617 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $121,000 | 3,340 |
| Total noninterest expense | $888,000 | 4,650 |
| Salaries and employee benefits | $447,000 | 4,818 |
| Premises and equipment expense | $128,000 | 4,454 |
| Additional noninterest expense | $313,000 | 4,270 |
| Pre-tax net operating income | $469,000 | 2,493 |
| Securities gains (losses) | $0 | 2,434 |
| Applicable income taxes | $22,000 | 3,499 |
| Income before extraordinary items | $447,000 | 2,340 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $447,000 | 2,340 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $447,000 | 2,342 |
| Net charge-offs | $72,000 | 3,207 |
| Cash dividends | $150,000 | 1,916 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $447,000 | 2,208 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $7,722,000 | 4,229 |
| Total interest expense | $3,234,000 | 4,032 |
| Net interest income | $4,488,000 | 4,237 |
| Provision for loan and lease losses | $283,000 | 4,726 |
| Total noninterest income | $825,000 | 3,806 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $641,000 | 2,515 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $184,000 | 4,977 |
| Total noninterest expense | $3,401,000 | 4,732 |
| Salaries and employee benefits | $1,700,000 | 4,970 |
| Premises and equipment expense | $562,000 | 4,143 |
| Additional noninterest expense | $1,139,000 | 4,452 |
| Pre-tax net operating income | $1,629,000 | 2,876 |
| Securities gains (losses) | $0 | 3,220 |
| Applicable income taxes | $93,000 | 3,431 |
| Income before extraordinary items | $1,536,000 | 2,473 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,536,000 | 2,472 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $574,000 | 2,615 |
| Cash dividends | $0 | 5,455 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $1,536,000 | 2,615 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $5,794,000 | 4,294 |
| Total interest expense | $2,490,000 | 4,084 |
| Net interest income | $3,304,000 | 4,306 |
| Provision for loan and lease losses | $149,000 | 4,651 |
| Total noninterest income | $612,000 | 3,918 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $484,000 | 2,521 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $128,000 | 5,209 |
| Total noninterest expense | $2,552,000 | 4,710 |
| Salaries and employee benefits | $1,310,000 | 4,891 |
| Premises and equipment expense | $403,000 | 4,295 |
| Additional noninterest expense | $839,000 | 4,425 |
| Pre-tax net operating income | $1,215,000 | 3,299 |
| Securities gains (losses) | $0 | 3,106 |
| Applicable income taxes | $77,000 | 3,812 |
| Income before extraordinary items | $1,138,000 | 2,852 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $1,138,000 | 2,848 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $509,000 | 1,943 |
| Cash dividends | $0 | 4,937 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $1,138,000 | 2,993 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $3,882,000 | 4,336 |
| Total interest expense | $1,732,000 | 4,116 |
| Net interest income | $2,150,000 | 4,385 |
| Provision for loan and lease losses | $92,000 | 4,373 |
| Total noninterest income | $453,000 | 3,730 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $321,000 | 2,501 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $132,000 | 4,523 |
| Total noninterest expense | $1,687,000 | 4,766 |
| Salaries and employee benefits | $866,000 | 4,957 |
| Premises and equipment expense | $270,000 | 4,298 |
| Additional noninterest expense | $551,000 | 4,445 |
| Pre-tax net operating income | $824,000 | 3,369 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $61,000 | 3,888 |
| Income before extraordinary items | $763,000 | 3,143 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $763,000 | 3,145 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $466,000 | 1,370 |
| Cash dividends | $0 | 4,733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $763,000 | 3,089 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $1,933,000 | 4,417 |
| Total interest expense | $913,000 | 4,151 |
| Net interest income | $1,020,000 | 4,556 |
| Provision for loan and lease losses | $15,000 | 5,068 |
| Total noninterest income | $223,000 | 3,764 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $164,000 | 2,440 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $59,000 | 4,725 |
| Total noninterest expense | $833,000 | 4,809 |
| Salaries and employee benefits | $429,000 | 5,029 |
| Premises and equipment expense | $141,000 | 4,177 |
| Additional noninterest expense | $263,000 | 4,531 |
| Pre-tax net operating income | $395,000 | 3,574 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $44,000 | 3,700 |
| Income before extraordinary items | $351,000 | 3,479 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $351,000 | 3,482 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $58,000 | 2,318 |
| Cash dividends | $0 | 3,705 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $351,000 | 3,379 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $8,165,000 | 4,307 |
| Total interest expense | $3,892,000 | 4,080 |
| Net interest income | $4,273,000 | 4,441 |
| Provision for loan and lease losses | $920,000 | 1,515 |
| Total noninterest income | $1,006,000 | 3,524 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $717,000 | 2,325 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $289,000 | 4,310 |
| Total noninterest expense | $3,133,000 | 4,874 |
| Salaries and employee benefits | $1,572,000 | 5,156 |
| Premises and equipment expense | $482,000 | 4,477 |
| Additional noninterest expense | $1,079,000 | 4,397 |
| Pre-tax net operating income | $1,226,000 | 4,311 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $133,000 | 4,244 |
| Income before extraordinary items | $1,093,000 | 4,121 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $1,093,000 | 4,123 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $576,000 | 1,526 |
| Cash dividends | $250,000 | 4,633 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $1,093,000 | 4,119 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $6,155,000 | 4,315 |
| Total interest expense | $2,926,000 | 4,085 |
| Net interest income | $3,229,000 | 4,441 |
| Provision for loan and lease losses | $445,000 | 1,736 |
| Total noninterest income | $753,000 | 3,529 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $540,000 | 2,298 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $213,000 | 4,368 |
| Total noninterest expense | $2,317,000 | 4,887 |
| Salaries and employee benefits | $1,218,000 | 5,046 |
| Premises and equipment expense | $362,000 | 4,451 |
| Additional noninterest expense | $737,000 | 4,654 |
| Pre-tax net operating income | $1,220,000 | 3,911 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $133,000 | 4,169 |
| Income before extraordinary items | $1,087,000 | 3,691 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $1,087,000 | 3,690 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $196,000 | 1,995 |
| Cash dividends | $250,000 | 3,844 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $1,087,000 | 3,674 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $4,102,000 | 4,328 |
| Total interest expense | $1,949,000 | 4,080 |
| Net interest income | $2,153,000 | 4,469 |
| Provision for loan and lease losses | $275,000 | 1,664 |
| Total noninterest income | $510,000 | 3,518 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $363,000 | 2,287 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $147,000 | 4,350 |
| Total noninterest expense | $1,545,000 | 4,923 |
| Salaries and employee benefits | $807,000 | 5,112 |
| Premises and equipment expense | $242,000 | 4,474 |
| Additional noninterest expense | $496,000 | 4,610 |
| Pre-tax net operating income | $843,000 | 3,900 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $89,000 | 4,247 |
| Income before extraordinary items | $754,000 | 3,654 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $754,000 | 3,654 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $90,000 | 2,190 |
| Cash dividends | $250,000 | 3,343 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $754,000 | 3,631 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $2,029,000 | 4,361 |
| Total interest expense | $962,000 | 4,105 |
| Net interest income | $1,067,000 | 4,506 |
| Provision for loan and lease losses | $180,000 | 1,262 |
| Total noninterest income | $247,000 | 3,564 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $171,000 | 2,345 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $76,000 | 4,308 |
| Total noninterest expense | $777,000 | 4,889 |
| Salaries and employee benefits | $409,000 | 5,085 |
| Premises and equipment expense | $118,000 | 4,567 |
| Additional noninterest expense | $250,000 | 4,540 |
| Pre-tax net operating income | $357,000 | 4,264 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $44,000 | 4,256 |
| Income before extraordinary items | $313,000 | 4,071 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $313,000 | 4,072 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 2,538 |
| Cash dividends | $100,000 | 3,076 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $313,000 | 4,047 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $7,554,000 | 4,348 |
| Total interest expense | $3,152,000 | 4,188 |
| Net interest income | $4,402,000 | 4,400 |
| Provision for loan and lease losses | $535,000 | 1,803 |
| Total noninterest income | $1,089,000 | 3,351 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $831,000 | 2,056 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $258,000 | 4,592 |
| Total noninterest expense | $2,931,000 | 4,969 |
| Salaries and employee benefits | $1,477,000 | 5,248 |
| Premises and equipment expense | $441,000 | 4,629 |
| Additional noninterest expense | $1,013,000 | 4,471 |
| Pre-tax net operating income | $2,025,000 | 3,614 |
| Securities gains (losses) | $-52,000 | 7,955 |
| Applicable income taxes | $187,000 | 4,360 |
| Income before extraordinary items | $1,786,000 | 3,375 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $1,786,000 | 3,373 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $581,000 | 1,042 |
| Cash dividends | $900,000 | 2,731 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $1,833,320 | 3,282 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $5,625,000 | 4,354 |
| Total interest expense | $2,277,000 | 4,192 |
| Net interest income | $3,348,000 | 4,399 |
| Provision for loan and lease losses | $355,000 | 1,881 |
| Total noninterest income | $828,000 | 3,318 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $629,000 | 2,031 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $199,000 | 4,548 |
| Total noninterest expense | $2,187,000 | 4,962 |
| Salaries and employee benefits | $1,123,000 | 5,169 |
| Premises and equipment expense | $325,000 | 4,686 |
| Additional noninterest expense | $739,000 | 4,542 |
| Pre-tax net operating income | $1,634,000 | 3,588 |
| Securities gains (losses) | $-52,000 | 8,192 |
| Applicable income taxes | $134,000 | 4,607 |
| Income before extraordinary items | $1,448,000 | 3,282 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $1,448,000 | 3,284 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $560,000 | 735 |
| Cash dividends | $625,000 | 2,592 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $1,495,840 | 3,211 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $3,663,000 | 4,367 |
| Total interest expense | $1,451,000 | 4,204 |
| Net interest income | $2,212,000 | 4,423 |
| Provision for loan and lease losses | $200,000 | 2,096 |
| Total noninterest income | $519,000 | 3,442 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $400,000 | 2,105 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $119,000 | 4,766 |
| Total noninterest expense | $1,461,000 | 4,970 |
| Salaries and employee benefits | $750,000 | 5,191 |
| Premises and equipment expense | $214,000 | 4,729 |
| Additional noninterest expense | $497,000 | 4,507 |
| Pre-tax net operating income | $1,070,000 | 3,640 |
| Securities gains (losses) | $-52,000 | 8,374 |
| Applicable income taxes | $88,000 | 4,689 |
| Income before extraordinary items | $930,000 | 3,382 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $930,000 | 3,385 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $338,000 | 763 |
| Cash dividends | $425,000 | 2,599 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $977,320 | 3,262 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $1,792,000 | 4,391 |
| Total interest expense | $687,000 | 4,217 |
| Net interest income | $1,105,000 | 4,416 |
| Provision for loan and lease losses | $95,000 | 2,071 |
| Total noninterest income | $248,000 | 3,492 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $187,000 | 2,162 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $61,000 | 4,716 |
| Total noninterest expense | $739,000 | 4,955 |
| Salaries and employee benefits | $381,000 | 5,181 |
| Premises and equipment expense | $100,000 | 4,961 |
| Additional noninterest expense | $258,000 | 4,373 |
| Pre-tax net operating income | $519,000 | 3,649 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $44,000 | 4,649 |
| Income before extraordinary items | $475,000 | 3,300 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $475,000 | 3,299 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $311,000 | 450 |
| Cash dividends | $225,000 | 2,263 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $475,000 | 3,276 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $6,409,000 | 4,425 |
| Total interest expense | $2,130,000 | 4,250 |
| Net interest income | $4,279,000 | 4,424 |
| Provision for loan and lease losses | $75,000 | 5,186 |
| Total noninterest income | $1,064,000 | 3,404 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $796,000 | 2,111 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $268,000 | 4,584 |
| Total noninterest expense | $2,892,000 | 4,889 |
| Salaries and employee benefits | $1,424,000 | 5,221 |
| Premises and equipment expense | $438,000 | 4,584 |
| Additional noninterest expense | $1,030,000 | 4,320 |
| Pre-tax net operating income | $2,376,000 | 3,266 |
| Securities gains (losses) | $0 | 2,296 |
| Applicable income taxes | $154,000 | 4,969 |
| Income before extraordinary items | $2,222,000 | 2,822 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $2,222,000 | 2,823 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,235 |
| Cash dividends | $1,100,000 | 2,279 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $2,222,000 | 2,786 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $4,727,000 | 4,427 |
| Total interest expense | $1,524,000 | 4,239 |
| Net interest income | $3,203,000 | 4,439 |
| Provision for loan and lease losses | $15,000 | 6,317 |
| Total noninterest income | $802,000 | 3,393 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $597,000 | 2,113 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $205,000 | 4,560 |
| Total noninterest expense | $2,102,000 | 4,977 |
| Salaries and employee benefits | $1,053,000 | 5,256 |
| Premises and equipment expense | $327,000 | 4,564 |
| Additional noninterest expense | $722,000 | 4,526 |
| Pre-tax net operating income | $1,888,000 | 3,181 |
| Securities gains (losses) | $0 | 2,317 |
| Applicable income taxes | $126,000 | 5,020 |
| Income before extraordinary items | $1,762,000 | 2,741 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,762,000 | 2,742 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $62,000 | 3,193 |
| Cash dividends | $825,000 | 2,080 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $1,762,000 | 2,710 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $3,031,000 | 4,487 |
| Total interest expense | $966,000 | 4,234 |
| Net interest income | $2,065,000 | 4,521 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $545,000 | 3,318 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $396,000 | 2,087 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $149,000 | 4,338 |
| Total noninterest expense | $1,368,000 | 5,051 |
| Salaries and employee benefits | $705,000 | 5,231 |
| Premises and equipment expense | $215,000 | 4,569 |
| Additional noninterest expense | $448,000 | 4,737 |
| Pre-tax net operating income | $1,242,000 | 3,164 |
| Securities gains (losses) | $0 | 2,146 |
| Applicable income taxes | $84,000 | 5,033 |
| Income before extraordinary items | $1,158,000 | 2,734 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $1,158,000 | 2,734 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,453 |
| Cash dividends | $600,000 | 1,914 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $1,158,000 | 2,693 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $1,468,000 | 4,561 |
| Total interest expense | $476,000 | 4,162 |
| Net interest income | $992,000 | 4,646 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $277,000 | 3,235 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $186,000 | 2,145 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $91,000 | 3,935 |
| Total noninterest expense | $681,000 | 5,093 |
| Salaries and employee benefits | $355,000 | 5,246 |
| Premises and equipment expense | $106,000 | 4,677 |
| Additional noninterest expense | $220,000 | 4,754 |
| Pre-tax net operating income | $588,000 | 3,274 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $42,000 | 4,975 |
| Income before extraordinary items | $546,000 | 2,827 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $546,000 | 2,828 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 2,877 |
| Cash dividends | $350,000 | 1,582 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $546,000 | 2,776 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $5,581,000 | 4,497 |
| Total interest expense | $1,710,000 | 4,121 |
| Net interest income | $3,871,000 | 4,587 |
| Provision for loan and lease losses | $406,000 | 2,338 |
| Total noninterest income | $1,017,000 | 3,494 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $764,000 | 2,225 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $253,000 | 4,613 |
| Total noninterest expense | $2,626,000 | 5,125 |
| Salaries and employee benefits | $1,316,000 | 5,395 |
| Premises and equipment expense | $406,000 | 4,712 |
| Additional noninterest expense | $904,000 | 4,682 |
| Pre-tax net operating income | $1,856,000 | 3,709 |
| Securities gains (losses) | $0 | 3,819 |
| Applicable income taxes | $168,000 | 4,960 |
| Income before extraordinary items | $1,688,000 | 3,339 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $1,688,000 | 3,337 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $216,000 | 2,470 |
| Cash dividends | $1,400,000 | 1,821 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $1,688,000 | 3,270 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $4,150,000 | 4,501 |
| Total interest expense | $1,278,000 | 4,085 |
| Net interest income | $2,872,000 | 4,616 |
| Provision for loan and lease losses | $361,000 | 1,930 |
| Total noninterest income | $746,000 | 3,582 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $575,000 | 2,236 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $171,000 | 4,827 |
| Total noninterest expense | $1,918,000 | 5,176 |
| Salaries and employee benefits | $952,000 | 5,480 |
| Premises and equipment expense | $310,000 | 4,663 |
| Additional noninterest expense | $656,000 | 4,747 |
| Pre-tax net operating income | $1,339,000 | 3,878 |
| Securities gains (losses) | $0 | 3,710 |
| Applicable income taxes | $126,000 | 5,080 |
| Income before extraordinary items | $1,213,000 | 3,520 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $1,213,000 | 3,520 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $217,000 | 1,797 |
| Cash dividends | $1,000,000 | 1,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $1,213,000 | 3,435 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $2,773,000 | 4,485 |
| Total interest expense | $865,000 | 4,045 |
| Net interest income | $1,908,000 | 4,626 |
| Provision for loan and lease losses | $331,000 | 1,424 |
| Total noninterest income | $492,000 | 3,611 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $369,000 | 2,291 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $123,000 | 4,730 |
| Total noninterest expense | $1,231,000 | 5,342 |
| Salaries and employee benefits | $629,000 | 5,538 |
| Premises and equipment expense | $199,000 | 4,771 |
| Additional noninterest expense | $403,000 | 5,037 |
| Pre-tax net operating income | $838,000 | 3,989 |
| Securities gains (losses) | $0 | 3,413 |
| Applicable income taxes | $84,000 | 5,065 |
| Income before extraordinary items | $754,000 | 3,681 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $754,000 | 3,681 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $200,000 | 1,376 |
| Cash dividends | $750,000 | 1,594 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $754,000 | 3,593 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $1,371,000 | 4,558 |
| Total interest expense | $439,000 | 4,048 |
| Net interest income | $932,000 | 4,709 |
| Provision for loan and lease losses | $60,000 | 2,918 |
| Total noninterest income | $220,000 | 3,831 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $171,000 | 2,391 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $49,000 | 5,162 |
| Total noninterest expense | $606,000 | 5,422 |
| Salaries and employee benefits | $316,000 | 5,570 |
| Premises and equipment expense | $92,000 | 5,093 |
| Additional noninterest expense | $198,000 | 5,107 |
| Pre-tax net operating income | $486,000 | 3,601 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $42,000 | 5,058 |
| Income before extraordinary items | $444,000 | 3,230 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $444,000 | 3,230 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 2,590 |
| Cash dividends | $500,000 | 1,176 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $444,000 | 3,116 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $5,531,000 | 4,549 |
| Total interest expense | $1,986,000 | 4,050 |
| Net interest income | $3,545,000 | 4,752 |
| Provision for loan and lease losses | $111,000 | 5,159 |
| Total noninterest income | $762,000 | 4,343 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $766,000 | 2,191 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $-4,000 | 9,119 |
| Total noninterest expense | $2,669,000 | 4,979 |
| Salaries and employee benefits | $1,303,000 | 5,349 |
| Premises and equipment expense | $455,000 | 4,339 |
| Additional noninterest expense | $911,000 | 4,580 |
| Pre-tax net operating income | $1,527,000 | 4,085 |
| Securities gains (losses) | $-25,000 | 8,894 |
| Applicable income taxes | $152,000 | 5,256 |
| Income before extraordinary items | $1,350,000 | 3,824 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $1,350,000 | 3,824 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $96,000 | 4,136 |
| Cash dividends | $450,000 | 3,702 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $1,372,500 | 3,629 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $4,155,000 | 4,600 |
| Total interest expense | $1,528,000 | 4,081 |
| Net interest income | $2,627,000 | 4,793 |
| Provision for loan and lease losses | $81,000 | 5,104 |
| Total noninterest income | $782,000 | 3,698 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $575,000 | 2,204 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $207,000 | 4,732 |
| Total noninterest expense | $2,013,000 | 4,957 |
| Salaries and employee benefits | $984,000 | 5,301 |
| Premises and equipment expense | $337,000 | 4,372 |
| Additional noninterest expense | $692,000 | 4,509 |
| Pre-tax net operating income | $1,315,000 | 3,811 |
| Securities gains (losses) | $38,000 | 2,527 |
| Applicable income taxes | $110,000 | 5,468 |
| Income before extraordinary items | $1,243,000 | 3,399 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,243,000 | 3,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $65,000 | 3,857 |
| Cash dividends | $450,000 | 2,830 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,208,040 | 3,314 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $2,809,000 | 4,594 |
| Total interest expense | $1,034,000 | 4,141 |
| Net interest income | $1,775,000 | 4,760 |
| Provision for loan and lease losses | $41,000 | 5,427 |
| Total noninterest income | $503,000 | 3,725 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $376,000 | 2,206 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $127,000 | 4,888 |
| Total noninterest expense | $1,374,000 | 4,887 |
| Salaries and employee benefits | $664,000 | 5,277 |
| Premises and equipment expense | $226,000 | 4,361 |
| Additional noninterest expense | $484,000 | 4,355 |
| Pre-tax net operating income | $863,000 | 3,866 |
| Securities gains (losses) | $38,000 | 2,204 |
| Applicable income taxes | $68,000 | 5,588 |
| Income before extraordinary items | $833,000 | 3,403 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $833,000 | 3,403 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $36,000 | 3,864 |
| Cash dividends | $200,000 | 3,438 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $798,040 | 3,320 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,386,000 | 4,662 |
| Total interest expense | $532,000 | 4,143 |
| Net interest income | $854,000 | 4,858 |
| Provision for loan and lease losses | $41,000 | 4,084 |
| Total noninterest income | $266,000 | 3,503 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $178,000 | 2,247 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $88,000 | 4,169 |
| Total noninterest expense | $657,000 | 5,027 |
| Salaries and employee benefits | $333,000 | 5,267 |
| Premises and equipment expense | $112,000 | 4,395 |
| Additional noninterest expense | $212,000 | 4,752 |
| Pre-tax net operating income | $422,000 | 3,913 |
| Securities gains (losses) | $21,000 | 1,872 |
| Applicable income taxes | $26,000 | 5,851 |
| Income before extraordinary items | $417,000 | 3,360 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $417,000 | 3,357 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $42,000 | 2,377 |
| Cash dividends | $0 | 3,930 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $397,260 | 3,308 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $5,419,000 | 4,893 |
| Total interest expense | $2,015,000 | 4,771 |
| Net interest income | $3,404,000 | 4,846 |
| Provision for loan and lease losses | $285,000 | 3,576 |
| Total noninterest income | $1,024,000 | 3,430 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $810,000 | 1,971 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $214,000 | 4,880 |
| Total noninterest expense | $2,481,000 | 5,107 |
| Salaries and employee benefits | $1,245,000 | 5,358 |
| Premises and equipment expense | $414,000 | 4,529 |
| Additional noninterest expense | $822,000 | 4,836 |
| Pre-tax net operating income | $1,662,000 | 3,842 |
| Securities gains (losses) | $0 | 4,537 |
| Applicable income taxes | $111,000 | 5,860 |
| Income before extraordinary items | $1,551,000 | 3,417 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,551,000 | 3,416 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $205,000 | 2,978 |
| Cash dividends | $625,000 | 3,081 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,551,000 | 3,300 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $5,737,000 | 5,128 |
| Total interest expense | $2,691,000 | 5,135 |
| Net interest income | $3,046,000 | 5,010 |
| Provision for loan and lease losses | $430,000 | 2,467 |
| Total noninterest income | $813,000 | 3,813 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $630,000 | 2,347 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $183,000 | 5,128 |
| Total noninterest expense | $2,547,000 | 4,898 |
| Salaries and employee benefits | $1,265,000 | 5,123 |
| Premises and equipment expense | $442,000 | 4,286 |
| Additional noninterest expense | $840,000 | 4,631 |
| Pre-tax net operating income | $882,000 | 5,242 |
| Securities gains (losses) | $0 | 4,612 |
| Applicable income taxes | $40,000 | 6,882 |
| Income before extraordinary items | $842,000 | 4,746 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $842,000 | 4,748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $235,000 | 2,606 |
| Cash dividends | $150,000 | 5,292 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $842,000 | 4,623 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $5,722,000 | 5,251 |
| Total interest expense | $2,420,000 | 5,676 |
| Net interest income | $3,302,000 | 4,818 |
| Provision for loan and lease losses | $1,012,000 | 1,048 |
| Total noninterest income | $762,000 | 3,772 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $520,000 | 2,600 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $242,000 | 4,361 |
| Total noninterest expense | $2,538,000 | 4,806 |
| Salaries and employee benefits | $1,242,000 | 5,077 |
| Premises and equipment expense | $499,000 | 3,798 |
| Additional noninterest expense | $797,000 | 4,761 |
| Pre-tax net operating income | $514,000 | 6,929 |
| Securities gains (losses) | $0 | 1,956 |
| Applicable income taxes | $109,000 | 6,406 |
| Income before extraordinary items | $405,000 | 6,824 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $405,000 | 6,822 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,176,000 | 668 |
| Cash dividends | $788,000 | 2,703 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $405,000 | 6,834 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $5,283,000 | 5,378 |
| Total interest expense | $2,113,000 | 5,784 |
| Net interest income | $3,170,000 | 4,969 |
| Provision for loan and lease losses | $281,000 | 2,818 |
| Total noninterest income | $607,000 | 4,398 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $457,000 | 2,850 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $150,000 | 5,606 |
| Total noninterest expense | $2,444,000 | 4,966 |
| Salaries and employee benefits | $1,203,000 | 5,156 |
| Premises and equipment expense | $494,000 | 3,799 |
| Additional noninterest expense | $747,000 | 5,028 |
| Pre-tax net operating income | $1,052,000 | 5,153 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $145,000 | 6,344 |
| Income before extraordinary items | $907,000 | 4,725 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $907,000 | 4,724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $183,000 | 2,524 |
| Cash dividends | $900,000 | 2,448 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $907,000 | 4,685 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $5,140,000 | 5,581 |
| Total interest expense | $2,114,000 | 5,986 |
| Net interest income | $3,026,000 | 5,103 |
| Provision for loan and lease losses | $170,000 | 3,903 |
| Total noninterest income | $625,000 | 4,267 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $424,000 | 2,973 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $201,000 | 4,938 |
| Total noninterest expense | $2,066,000 | 5,479 |
| Salaries and employee benefits | $1,058,000 | 5,559 |
| Premises and equipment expense | $316,000 | 5,222 |
| Additional noninterest expense | $692,000 | 5,216 |
| Pre-tax net operating income | $1,415,000 | 4,368 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $160,000 | 6,714 |
| Income before extraordinary items | $1,255,000 | 3,782 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,255,000 | 3,781 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $108,000 | 3,514 |
| Cash dividends | $850,000 | 2,494 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,255,000 | 3,702 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $4,939,000 | 5,851 |
| Total interest expense | $1,895,000 | 6,482 |
| Net interest income | $3,044,000 | 5,247 |
| Provision for loan and lease losses | $226,000 | 3,180 |
| Total noninterest income | $510,000 | 4,946 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $391,000 | 3,277 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $119,000 | 6,301 |
| Total noninterest expense | $2,046,000 | 5,572 |
| Salaries and employee benefits | $1,080,000 | 5,558 |
| Premises and equipment expense | $372,000 | 4,691 |
| Additional noninterest expense | $594,000 | 5,849 |
| Pre-tax net operating income | $1,282,000 | 5,014 |
| Securities gains (losses) | $2,000 | 3,292 |
| Applicable income taxes | $466,000 | 4,426 |
| Income before extraordinary items | $818,000 | 5,388 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $818,000 | 5,392 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $206,000 | 2,504 |
| Cash dividends | $400,000 | 3,931 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $816,720 | 5,340 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $4,761,000 | 6,145 |
| Total interest expense | $1,873,000 | 6,676 |
| Net interest income | $2,888,000 | 5,597 |
| Provision for loan and lease losses | $132,000 | 4,386 |
| Total noninterest income | $453,000 | 5,516 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $352,000 | 3,736 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $101,000 | 7,088 |
| Total noninterest expense | $2,027,000 | 5,893 |
| Salaries and employee benefits | $1,006,000 | 5,956 |
| Premises and equipment expense | $396,000 | 4,569 |
| Additional noninterest expense | $625,000 | 6,198 |
| Pre-tax net operating income | $1,182,000 | 5,175 |
| Securities gains (losses) | $4,000 | 3,123 |
| Applicable income taxes | $416,000 | 4,775 |
| Income before extraordinary items | $770,000 | 5,432 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $770,000 | 5,433 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $212,000 | 2,581 |
| Cash dividends | $600,000 | 3,013 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $767,400 | 5,398 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,515,000 | 6,440 |
| Total interest expense | $1,811,000 | 6,875 |
| Net interest income | $2,704,000 | 5,962 |
| Provision for loan and lease losses | $111,000 | 4,376 |
| Total noninterest income | $440,000 | 5,631 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $311,000 | 4,169 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $129,000 | 6,436 |
| Total noninterest expense | $2,089,000 | 5,787 |
| Salaries and employee benefits | $1,053,000 | 5,802 |
| Premises and equipment expense | $498,000 | 3,773 |
| Additional noninterest expense | $538,000 | 6,964 |
| Pre-tax net operating income | $944,000 | 6,224 |
| Securities gains (losses) | $11,000 | 2,318 |
| Applicable income taxes | $297,000 | 6,032 |
| Income before extraordinary items | $658,000 | 6,251 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $658,000 | 6,249 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $106,000 | 3,622 |
| Cash dividends | $525,000 | 3,209 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $650,410 | 6,290 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $1,815,000 | 10,139 |
| Total interest expense | $633,000 | 10,439 |
| Net interest income | $1,182,000 | 9,802 |
| Provision for loan and lease losses | $39,000 | 6,667 |
| Total noninterest income | $188,000 | 8,957 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $128,000 | 7,411 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $60,000 | 9,091 |
| Total noninterest expense | $1,012,000 | 9,294 |
| Salaries and employee benefits | $527,000 | 9,150 |
| Premises and equipment expense | $92,000 | 10,281 |
| Additional noninterest expense | $393,000 | 8,895 |
| Pre-tax net operating income | $319,000 | 10,003 |
| Securities gains (losses) | $-8,000 | 9,681 |
| Applicable income taxes | $113,000 | 9,076 |
| Income before extraordinary items | $198,000 | 10,303 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $198,000 | 10,305 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,000 | 8,524 |
| Cash dividends | $2,150,000 | 1,043 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $203,120 | 10,286 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,078,000 | 6,781 |
| Total interest expense | $1,537,000 | 7,086 |
| Net interest income | $2,541,000 | 6,463 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $447,000 | 6,020 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $315,000 | 4,240 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $132,000 | 6,969 |
| Total noninterest expense | $2,205,000 | 5,854 |
| Salaries and employee benefits | $1,054,000 | 5,852 |
| Premises and equipment expense | $142,000 | 9,126 |
| Additional noninterest expense | $1,009,000 | 4,885 |
| Pre-tax net operating income | $783,000 | 6,902 |
| Securities gains (losses) | $34,000 | 3,940 |
| Applicable income taxes | $211,000 | 7,412 |
| Income before extraordinary items | $606,000 | 6,726 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $606,000 | 6,898 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $67,000 | 5,430 |
| Cash dividends | $100,000 | 6,847 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $580,840 | 6,685 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,594,000 | 6,773 |
| Total interest expense | $2,039,000 | 7,031 |
| Net interest income | $2,555,000 | 6,496 |
| Provision for loan and lease losses | $240,000 | 4,686 |
| Total noninterest income | $494,000 | 5,687 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $316,000 | 4,266 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $178,000 | 6,066 |
| Total noninterest expense | $2,181,000 | 5,964 |
| Salaries and employee benefits | $988,000 | 6,102 |
| Premises and equipment expense | $154,000 | 8,989 |
| Additional noninterest expense | $1,039,000 | 4,896 |
| Pre-tax net operating income | $628,000 | 7,531 |
| Securities gains (losses) | $0 | 8,369 |
| Applicable income taxes | $166,000 | 8,249 |
| Income before extraordinary items | $462,000 | 7,640 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $462,000 | 7,747 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $398,000 | 2,832 |
| Cash dividends | $70,000 | 7,232 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $462,000 | 7,287 |
* 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.