Home > First Western Bank > Income and Expense
First Western Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $11,853,000 | 1,511 |
| Total interest expense | $4,017,000 | 1,628 |
| Net interest income | $7,836,000 | 1,421 |
| Provision for loan and lease losses | $1,805,000 | 1,494 |
| Total noninterest income | $1,251,000 | 1,863 |
| Gross Fiduciary activities income | $0 | 1,340 |
| Service charges on deposit accounts | $553,000 | 1,515 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $698,000 | 1,813 |
| Total noninterest expense | $7,286,000 | 1,424 |
| Salaries and employee benefits | $3,030,000 | 1,687 |
| Premises and equipment expense | $812,000 | 1,712 |
| Additional noninterest expense | $3,444,000 | 1,117 |
| Pre-tax net operating income | $-4,000 | 5,816 |
| Securities gains (losses) | $29,000 | 2,179 |
| Applicable income taxes | $-102,000 | 7,148 |
| Income before extraordinary items | $127,000 | 5,014 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $127,000 | 5,012 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $127,000 | 5,013 |
| Net charge-offs | $591,000 | 2,147 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $98,000 | 5,132 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $5,785,000 | 1,570 |
| Total interest expense | $2,004,000 | 1,692 |
| Net interest income | $3,781,000 | 1,470 |
| Provision for loan and lease losses | $765,000 | 1,378 |
| Total noninterest income | $560,000 | 1,967 |
| Gross Fiduciary activities income | $0 | 1,285 |
| Service charges on deposit accounts | $268,000 | 1,516 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $292,000 | 1,998 |
| Total noninterest expense | $3,262,000 | 1,539 |
| Salaries and employee benefits | $1,444,000 | 1,794 |
| Premises and equipment expense | $372,000 | 1,896 |
| Additional noninterest expense | $1,446,000 | 1,153 |
| Pre-tax net operating income | $314,000 | 3,261 |
| Securities gains (losses) | $29,000 | 1,527 |
| Applicable income taxes | $72,000 | 2,518 |
| Income before extraordinary items | $271,000 | 3,304 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $271,000 | 3,304 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $271,000 | 3,305 |
| Net charge-offs | $589,000 | 1,268 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $248,090 | 3,307 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $29,391,000 | 1,317 |
| Total interest expense | $10,904,000 | 1,486 |
| Net interest income | $18,487,000 | 1,207 |
| Provision for loan and lease losses | $3,515,000 | 1,260 |
| Total noninterest income | $4,773,000 | 1,104 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $1,373,000 | 1,312 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,400,000 | 877 |
| Total noninterest expense | $14,682,000 | 1,326 |
| Salaries and employee benefits | $6,112,000 | 1,672 |
| Premises and equipment expense | $1,629,000 | 1,692 |
| Additional noninterest expense | $6,941,000 | 924 |
| Pre-tax net operating income | $5,063,000 | 1,094 |
| Securities gains (losses) | $6,000 | 2,702 |
| Applicable income taxes | $1,528,000 | 858 |
| Income before extraordinary items | $3,541,000 | 1,175 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $3,541,000 | 1,174 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $2,021,000 | 1,277 |
| Cash dividends | $2,500,000 | 1,085 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $3,536,800 | 1,255 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $22,916,000 | 1,289 |
| Total interest expense | $8,319,000 | 1,523 |
| Net interest income | $14,597,000 | 1,151 |
| Provision for loan and lease losses | $440,000 | 2,945 |
| Total noninterest income | $2,092,000 | 1,712 |
| Gross Fiduciary activities income | $0 | 1,405 |
| Service charges on deposit accounts | $903,000 | 1,502 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $1,189,000 | 1,614 |
| Total noninterest expense | $11,198,000 | 1,283 |
| Salaries and employee benefits | $4,679,000 | 1,657 |
| Premises and equipment expense | $1,259,000 | 1,654 |
| Additional noninterest expense | $5,260,000 | 867 |
| Pre-tax net operating income | $5,051,000 | 1,003 |
| Securities gains (losses) | $3,000 | 2,756 |
| Applicable income taxes | $1,569,000 | 799 |
| Income before extraordinary items | $3,485,000 | 1,064 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $3,485,000 | 1,063 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $6,000 | 6,023 |
| Cash dividends | $2,500,000 | 832 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $3,482,930 | 1,122 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $15,578,000 | 1,279 |
| Total interest expense | $5,766,000 | 1,525 |
| Net interest income | $9,812,000 | 1,122 |
| Provision for loan and lease losses | $150,000 | 3,592 |
| Total noninterest income | $1,289,000 | 1,830 |
| Gross Fiduciary activities income | $0 | 1,395 |
| Service charges on deposit accounts | $604,000 | 1,474 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $685,000 | 1,826 |
| Total noninterest expense | $6,460,000 | 1,497 |
| Salaries and employee benefits | $3,092,000 | 1,689 |
| Premises and equipment expense | $836,000 | 1,664 |
| Additional noninterest expense | $2,532,000 | 1,174 |
| Pre-tax net operating income | $4,491,000 | 789 |
| Securities gains (losses) | $0 | 3,233 |
| Applicable income taxes | $1,430,000 | 689 |
| Income before extraordinary items | $3,061,000 | 888 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,061,000 | 888 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-10,000 | 7,886 |
| Cash dividends | $2,000,000 | 774 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $3,061,000 | 872 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $8,132,000 | 1,251 |
| Total interest expense | $3,154,000 | 1,492 |
| Net interest income | $4,978,000 | 1,099 |
| Provision for loan and lease losses | $75,000 | 3,123 |
| Total noninterest income | $639,000 | 1,861 |
| Gross Fiduciary activities income | $0 | 1,326 |
| Service charges on deposit accounts | $292,000 | 1,496 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $347,000 | 1,795 |
| Total noninterest expense | $3,079,000 | 1,570 |
| Salaries and employee benefits | $1,452,000 | 1,811 |
| Premises and equipment expense | $409,000 | 1,689 |
| Additional noninterest expense | $1,218,000 | 1,178 |
| Pre-tax net operating income | $2,463,000 | 771 |
| Securities gains (losses) | $0 | 2,688 |
| Applicable income taxes | $707,000 | 770 |
| Income before extraordinary items | $1,756,000 | 853 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $1,756,000 | 855 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,488 |
| Cash dividends | $1,000,000 | 722 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $1,756,000 | 819 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $34,267,000 | 1,224 |
| Total interest expense | $15,125,000 | 1,317 |
| Net interest income | $19,142,000 | 1,163 |
| Provision for loan and lease losses | $4,500,000 | 445 |
| Total noninterest income | $2,627,000 | 1,806 |
| Gross Fiduciary activities income | $0 | 1,498 |
| Service charges on deposit accounts | $1,180,000 | 1,522 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $1,447,000 | 1,709 |
| Total noninterest expense | $9,884,000 | 1,870 |
| Salaries and employee benefits | $5,022,000 | 1,994 |
| Premises and equipment expense | $1,385,000 | 1,886 |
| Additional noninterest expense | $3,477,000 | 1,593 |
| Pre-tax net operating income | $7,385,000 | 1,143 |
| Securities gains (losses) | $5,000 | 1,575 |
| Applicable income taxes | $491,000 | 2,759 |
| Income before extraordinary items | $6,899,000 | 944 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $6,899,000 | 942 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 3,868 |
| Cash dividends | $6,334,000 | 606 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $6,894,350 | 934 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $25,302,000 | 1,252 |
| Total interest expense | $11,201,000 | 1,339 |
| Net interest income | $14,101,000 | 1,194 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $1,718,000 | 2,013 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $882,000 | 1,490 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $836,000 | 2,069 |
| Total noninterest expense | $6,978,000 | 1,974 |
| Salaries and employee benefits | $3,653,000 | 2,070 |
| Premises and equipment expense | $1,051,000 | 1,851 |
| Additional noninterest expense | $2,274,000 | 1,779 |
| Pre-tax net operating income | $8,841,000 | 775 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $345,000 | 3,000 |
| Income before extraordinary items | $8,496,000 | 622 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $8,496,000 | 620 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 5,346 |
| Cash dividends | $6,334,000 | 463 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $8,496,000 | 614 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $16,535,000 | 1,288 |
| Total interest expense | $7,227,000 | 1,390 |
| Net interest income | $9,308,000 | 1,228 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $1,158,000 | 2,012 |
| Gross Fiduciary activities income | $0 | 1,429 |
| Service charges on deposit accounts | $577,000 | 1,522 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $581,000 | 2,027 |
| Total noninterest expense | $4,642,000 | 1,992 |
| Salaries and employee benefits | $2,459,000 | 2,076 |
| Premises and equipment expense | $688,000 | 1,902 |
| Additional noninterest expense | $1,495,000 | 1,817 |
| Pre-tax net operating income | $5,824,000 | 826 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $219,000 | 3,143 |
| Income before extraordinary items | $5,605,000 | 657 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $5,605,000 | 656 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,000 | 4,601 |
| Cash dividends | $5,429,000 | 395 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $5,605,000 | 644 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $8,078,000 | 1,319 |
| Total interest expense | $3,450,000 | 1,442 |
| Net interest income | $4,628,000 | 1,230 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $583,000 | 1,998 |
| Gross Fiduciary activities income | $0 | 1,355 |
| Service charges on deposit accounts | $280,000 | 1,534 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $303,000 | 1,948 |
| Total noninterest expense | $2,298,000 | 2,014 |
| Salaries and employee benefits | $1,218,000 | 2,110 |
| Premises and equipment expense | $326,000 | 2,006 |
| Additional noninterest expense | $754,000 | 1,774 |
| Pre-tax net operating income | $2,913,000 | 815 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $95,000 | 3,333 |
| Income before extraordinary items | $2,818,000 | 645 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,818,000 | 644 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-11,000 | 7,895 |
| Cash dividends | $2,474,000 | 392 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,818,000 | 634 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $30,919,000 | 1,274 |
| Total interest expense | $12,481,000 | 1,346 |
| Net interest income | $18,438,000 | 1,229 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $2,280,000 | 2,016 |
| Gross Fiduciary activities income | $0 | 1,523 |
| Service charges on deposit accounts | $1,163,000 | 1,533 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,117,000 | 2,064 |
| Total noninterest expense | $9,966,000 | 1,791 |
| Salaries and employee benefits | $4,817,000 | 2,024 |
| Premises and equipment expense | $1,323,000 | 1,901 |
| Additional noninterest expense | $3,826,000 | 1,386 |
| Pre-tax net operating income | $10,752,000 | 921 |
| Securities gains (losses) | $17,000 | 959 |
| Applicable income taxes | $417,000 | 3,382 |
| Income before extraordinary items | $10,352,000 | 715 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $10,352,000 | 715 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $74,000 | 3,535 |
| Cash dividends | $8,196,000 | 459 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $10,335,680 | 707 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $22,842,000 | 1,293 |
| Total interest expense | $9,105,000 | 1,346 |
| Net interest income | $13,737,000 | 1,251 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $1,733,000 | 2,008 |
| Gross Fiduciary activities income | $0 | 1,468 |
| Service charges on deposit accounts | $888,000 | 1,518 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $845,000 | 2,052 |
| Total noninterest expense | $7,070,000 | 1,880 |
| Salaries and employee benefits | $3,523,000 | 2,083 |
| Premises and equipment expense | $997,000 | 1,902 |
| Additional noninterest expense | $2,550,000 | 1,548 |
| Pre-tax net operating income | $8,400,000 | 924 |
| Securities gains (losses) | $17,000 | 799 |
| Applicable income taxes | $352,000 | 3,357 |
| Income before extraordinary items | $8,065,000 | 725 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $8,065,000 | 724 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $32,000 | 3,744 |
| Cash dividends | $5,765,000 | 462 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $8,048,680 | 720 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $11,806,000 | 1,645 |
| Total interest expense | $4,651,000 | 1,673 |
| Net interest income | $7,155,000 | 1,621 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $908,000 | 2,385 |
| Gross Fiduciary activities income | $0 | 1,458 |
| Service charges on deposit accounts | $480,000 | 1,802 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $428,000 | 2,448 |
| Total noninterest expense | $3,662,000 | 2,414 |
| Salaries and employee benefits | $1,824,000 | 2,652 |
| Premises and equipment expense | $546,000 | 2,272 |
| Additional noninterest expense | $1,292,000 | 2,042 |
| Pre-tax net operating income | $4,401,000 | 1,156 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $181,000 | 3,748 |
| Income before extraordinary items | $4,220,000 | 926 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $4,220,000 | 927 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 4,181 |
| Cash dividends | $2,851,000 | 607 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $4,220,000 | 904 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $5,628,000 | 1,690 |
| Total interest expense | $2,156,000 | 1,704 |
| Net interest income | $3,472,000 | 1,661 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $420,000 | 2,479 |
| Gross Fiduciary activities income | $0 | 1,380 |
| Service charges on deposit accounts | $235,000 | 1,787 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $185,000 | 2,627 |
| Total noninterest expense | $1,737,000 | 2,550 |
| Salaries and employee benefits | $898,000 | 2,685 |
| Premises and equipment expense | $241,000 | 2,538 |
| Additional noninterest expense | $598,000 | 2,162 |
| Pre-tax net operating income | $2,155,000 | 1,149 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $96,000 | 3,654 |
| Income before extraordinary items | $2,059,000 | 920 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,059,000 | 919 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,481 |
| Cash dividends | $1,269,000 | 621 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,059,000 | 900 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $20,398,000 | 1,653 |
| Total interest expense | $6,970,000 | 1,638 |
| Net interest income | $13,428,000 | 1,631 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $1,624,000 | 2,556 |
| Gross Fiduciary activities income | $0 | 1,557 |
| Service charges on deposit accounts | $913,000 | 1,878 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $711,000 | 2,736 |
| Total noninterest expense | $7,546,000 | 2,220 |
| Salaries and employee benefits | $3,783,000 | 2,415 |
| Premises and equipment expense | $1,028,000 | 2,306 |
| Additional noninterest expense | $2,735,000 | 1,852 |
| Pre-tax net operating income | $7,506,000 | 1,265 |
| Securities gains (losses) | $8,000 | 1,546 |
| Applicable income taxes | $312,000 | 4,085 |
| Income before extraordinary items | $7,202,000 | 1,008 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $7,202,000 | 1,008 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $69,000 | 3,872 |
| Cash dividends | $4,581,000 | 718 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $7,194,320 | 991 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $15,023,000 | 1,650 |
| Total interest expense | $4,951,000 | 1,629 |
| Net interest income | $10,072,000 | 1,619 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $1,234,000 | 2,528 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $680,000 | 1,889 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $554,000 | 2,686 |
| Total noninterest expense | $5,157,000 | 2,406 |
| Salaries and employee benefits | $2,634,000 | 2,547 |
| Premises and equipment expense | $783,000 | 2,263 |
| Additional noninterest expense | $1,740,000 | 2,132 |
| Pre-tax net operating income | $6,149,000 | 1,167 |
| Securities gains (losses) | $8,000 | 1,553 |
| Applicable income taxes | $263,000 | 4,010 |
| Income before extraordinary items | $5,894,000 | 915 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $5,894,000 | 917 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $40,000 | 3,791 |
| Cash dividends | $3,134,000 | 712 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $5,886,320 | 898 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $9,729,000 | 1,649 |
| Total interest expense | $3,126,000 | 1,620 |
| Net interest income | $6,603,000 | 1,626 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $790,000 | 2,563 |
| Gross Fiduciary activities income | $0 | 1,480 |
| Service charges on deposit accounts | $441,000 | 1,910 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $349,000 | 2,779 |
| Total noninterest expense | $3,397,000 | 2,415 |
| Salaries and employee benefits | $1,738,000 | 2,559 |
| Premises and equipment expense | $520,000 | 2,259 |
| Additional noninterest expense | $1,139,000 | 2,165 |
| Pre-tax net operating income | $3,996,000 | 1,169 |
| Securities gains (losses) | $8,000 | 1,424 |
| Applicable income taxes | $167,000 | 4,090 |
| Income before extraordinary items | $3,837,000 | 909 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $3,837,000 | 909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $50,000 | 2,718 |
| Cash dividends | $2,065,000 | 695 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $3,829,320 | 891 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $4,645,000 | 1,688 |
| Total interest expense | $1,472,000 | 1,624 |
| Net interest income | $3,173,000 | 1,683 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $416,000 | 2,434 |
| Gross Fiduciary activities income | $0 | 1,418 |
| Service charges on deposit accounts | $216,000 | 1,880 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $200,000 | 2,484 |
| Total noninterest expense | $1,659,000 | 2,468 |
| Salaries and employee benefits | $848,000 | 2,634 |
| Premises and equipment expense | $261,000 | 2,266 |
| Additional noninterest expense | $550,000 | 2,225 |
| Pre-tax net operating income | $1,930,000 | 1,186 |
| Securities gains (losses) | $0 | 1,685 |
| Applicable income taxes | $81,000 | 4,092 |
| Income before extraordinary items | $1,849,000 | 945 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $1,849,000 | 945 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $980,000 | 700 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $1,849,000 | 922 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $17,763,000 | 1,627 |
| Total interest expense | $5,340,000 | 1,532 |
| Net interest income | $12,423,000 | 1,637 |
| Provision for loan and lease losses | $360,000 | 2,548 |
| Total noninterest income | $1,483,000 | 2,715 |
| Gross Fiduciary activities income | $0 | 1,582 |
| Service charges on deposit accounts | $905,000 | 1,930 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $578,000 | 3,054 |
| Total noninterest expense | $7,723,000 | 2,065 |
| Salaries and employee benefits | $3,622,000 | 2,401 |
| Premises and equipment expense | $1,126,000 | 2,044 |
| Additional noninterest expense | $2,975,000 | 1,637 |
| Pre-tax net operating income | $5,823,000 | 1,474 |
| Securities gains (losses) | $217,000 | 784 |
| Applicable income taxes | $751,000 | 2,632 |
| Income before extraordinary items | $5,289,000 | 1,235 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $5,289,000 | 1,236 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $137,000 | 3,170 |
| Cash dividends | $4,559,000 | 675 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $5,098,040 | 1,243 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $13,113,000 | 1,637 |
| Total interest expense | $3,978,000 | 1,520 |
| Net interest income | $9,135,000 | 1,659 |
| Provision for loan and lease losses | $360,000 | 1,934 |
| Total noninterest income | $1,118,000 | 2,704 |
| Gross Fiduciary activities income | $0 | 1,547 |
| Service charges on deposit accounts | $685,000 | 1,926 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $433,000 | 3,058 |
| Total noninterest expense | $5,389,000 | 2,198 |
| Salaries and employee benefits | $2,548,000 | 2,536 |
| Premises and equipment expense | $858,000 | 2,012 |
| Additional noninterest expense | $1,983,000 | 1,805 |
| Pre-tax net operating income | $4,504,000 | 1,442 |
| Securities gains (losses) | $217,000 | 730 |
| Applicable income taxes | $694,000 | 2,334 |
| Income before extraordinary items | $4,027,000 | 1,221 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $4,027,000 | 1,222 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $117,000 | 2,595 |
| Cash dividends | $3,059,000 | 684 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $3,842,550 | 1,249 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $8,532,000 | 1,650 |
| Total interest expense | $2,647,000 | 1,499 |
| Net interest income | $5,885,000 | 1,699 |
| Provision for loan and lease losses | $240,000 | 1,886 |
| Total noninterest income | $708,000 | 2,816 |
| Gross Fiduciary activities income | $0 | 1,518 |
| Service charges on deposit accounts | $460,000 | 1,889 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $248,000 | 3,336 |
| Total noninterest expense | $3,626,000 | 2,185 |
| Salaries and employee benefits | $1,704,000 | 2,519 |
| Premises and equipment expense | $582,000 | 1,976 |
| Additional noninterest expense | $1,340,000 | 1,783 |
| Pre-tax net operating income | $2,727,000 | 1,549 |
| Securities gains (losses) | $217,000 | 618 |
| Applicable income taxes | $624,000 | 1,872 |
| Income before extraordinary items | $2,320,000 | 1,397 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,320,000 | 1,398 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $93,000 | 2,249 |
| Cash dividends | $1,459,000 | 925 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $2,148,570 | 1,446 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $4,227,000 | 1,663 |
| Total interest expense | $1,354,000 | 1,475 |
| Net interest income | $2,873,000 | 1,735 |
| Provision for loan and lease losses | $120,000 | 1,785 |
| Total noninterest income | $330,000 | 2,919 |
| Gross Fiduciary activities income | $0 | 1,441 |
| Service charges on deposit accounts | $223,000 | 1,890 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $107,000 | 3,564 |
| Total noninterest expense | $1,815,000 | 2,198 |
| Salaries and employee benefits | $855,000 | 2,533 |
| Premises and equipment expense | $287,000 | 2,014 |
| Additional noninterest expense | $673,000 | 1,761 |
| Pre-tax net operating income | $1,268,000 | 1,641 |
| Securities gains (losses) | $19,000 | 1,734 |
| Applicable income taxes | $551,000 | 1,208 |
| Income before extraordinary items | $736,000 | 2,080 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $736,000 | 2,080 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $12,000 | 3,417 |
| Cash dividends | $459,000 | 1,305 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $723,840 | 2,032 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $7,136,000 | 3,758 |
| Total interest expense | $2,650,000 | 3,197 |
| Net interest income | $4,486,000 | 4,006 |
| Provision for loan and lease losses | $120,000 | 4,933 |
| Total noninterest income | $642,000 | 4,789 |
| Gross Fiduciary activities income | $0 | 1,641 |
| Service charges on deposit accounts | $456,000 | 3,334 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $186,000 | 5,443 |
| Total noninterest expense | $2,907,000 | 4,715 |
| Salaries and employee benefits | $1,436,000 | 4,998 |
| Premises and equipment expense | $385,000 | 4,860 |
| Additional noninterest expense | $1,086,000 | 4,014 |
| Pre-tax net operating income | $2,101,000 | 3,279 |
| Securities gains (losses) | $26,000 | 3,046 |
| Applicable income taxes | $64,000 | 6,112 |
| Income before extraordinary items | $2,063,000 | 2,796 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $2,063,000 | 2,797 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $30,000 | 5,704 |
| Cash dividends | $520,000 | 3,441 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $2,037,780 | 2,697 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $5,391,000 | 3,783 |
| Total interest expense | $2,029,000 | 3,252 |
| Net interest income | $3,362,000 | 4,032 |
| Provision for loan and lease losses | $90,000 | 4,812 |
| Total noninterest income | $427,000 | 5,142 |
| Gross Fiduciary activities income | $0 | 1,599 |
| Service charges on deposit accounts | $334,000 | 3,399 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $93,000 | 6,209 |
| Total noninterest expense | $2,137,000 | 4,763 |
| Salaries and employee benefits | $1,063,000 | 5,038 |
| Premises and equipment expense | $289,000 | 4,843 |
| Additional noninterest expense | $785,000 | 4,115 |
| Pre-tax net operating income | $1,562,000 | 3,437 |
| Securities gains (losses) | $17,000 | 3,051 |
| Applicable income taxes | $41,000 | 6,370 |
| Income before extraordinary items | $1,538,000 | 2,909 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $1,538,000 | 2,909 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,905 |
| Cash dividends | $520,000 | 2,621 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $1,521,510 | 2,788 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $3,610,000 | 3,800 |
| Total interest expense | $1,378,000 | 3,293 |
| Net interest income | $2,232,000 | 4,046 |
| Provision for loan and lease losses | $60,000 | 4,687 |
| Total noninterest income | $245,000 | 5,519 |
| Gross Fiduciary activities income | $0 | 1,577 |
| Service charges on deposit accounts | $200,000 | 3,626 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $45,000 | 6,742 |
| Total noninterest expense | $1,424,000 | 4,744 |
| Salaries and employee benefits | $707,000 | 5,040 |
| Premises and equipment expense | $192,000 | 4,823 |
| Additional noninterest expense | $525,000 | 4,091 |
| Pre-tax net operating income | $993,000 | 3,551 |
| Securities gains (losses) | $12,000 | 2,858 |
| Applicable income taxes | $15,000 | 6,772 |
| Income before extraordinary items | $990,000 | 3,001 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $990,000 | 3,000 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 5,273 |
| Cash dividends | $520,000 | 2,082 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $978,120 | 2,869 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $1,811,000 | 3,803 |
| Total interest expense | $692,000 | 3,351 |
| Net interest income | $1,119,000 | 4,043 |
| Provision for loan and lease losses | $30,000 | 4,429 |
| Total noninterest income | $120,000 | 5,462 |
| Gross Fiduciary activities income | $0 | 1,504 |
| Service charges on deposit accounts | $94,000 | 3,690 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $26,000 | 6,499 |
| Total noninterest expense | $715,000 | 4,733 |
| Salaries and employee benefits | $351,000 | 5,074 |
| Premises and equipment expense | $97,000 | 4,800 |
| Additional noninterest expense | $267,000 | 4,010 |
| Pre-tax net operating income | $494,000 | 3,525 |
| Securities gains (losses) | $0 | 2,891 |
| Applicable income taxes | $-7,000 | 9,047 |
| Income before extraordinary items | $501,000 | 2,941 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $501,000 | 2,939 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $10,000 | 3,949 |
| Cash dividends | $250,000 | 1,948 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $501,000 | 2,799 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $7,458,000 | 3,853 |
| Total interest expense | $3,104,000 | 3,449 |
| Net interest income | $4,354,000 | 4,092 |
| Provision for loan and lease losses | $120,000 | 5,330 |
| Total noninterest income | $533,000 | 5,040 |
| Gross Fiduciary activities income | $0 | 1,713 |
| Service charges on deposit accounts | $395,000 | 3,563 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $138,000 | 5,780 |
| Total noninterest expense | $2,773,000 | 4,717 |
| Salaries and employee benefits | $1,376,000 | 5,002 |
| Premises and equipment expense | $390,000 | 4,735 |
| Additional noninterest expense | $1,007,000 | 4,155 |
| Pre-tax net operating income | $1,994,000 | 3,433 |
| Securities gains (losses) | $12,000 | 3,495 |
| Applicable income taxes | $108,000 | 5,890 |
| Income before extraordinary items | $1,898,000 | 2,924 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $1,898,000 | 2,922 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $63,000 | 4,924 |
| Cash dividends | $1,085,000 | 2,099 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $1,886,600 | 2,842 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $8,077,000 | 3,995 |
| Total interest expense | $4,179,000 | 3,664 |
| Net interest income | $3,898,000 | 4,204 |
| Provision for loan and lease losses | $120,000 | 5,188 |
| Total noninterest income | $539,000 | 4,855 |
| Gross Fiduciary activities income | $0 | 1,731 |
| Service charges on deposit accounts | $411,000 | 3,313 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $128,000 | 5,853 |
| Total noninterest expense | $2,661,000 | 4,749 |
| Salaries and employee benefits | $1,306,000 | 5,016 |
| Premises and equipment expense | $415,000 | 4,487 |
| Additional noninterest expense | $940,000 | 4,266 |
| Pre-tax net operating income | $1,656,000 | 3,624 |
| Securities gains (losses) | $101,000 | 1,734 |
| Applicable income taxes | $64,000 | 6,472 |
| Income before extraordinary items | $1,693,000 | 2,938 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $1,693,000 | 2,941 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $20,000 | 6,291 |
| Cash dividends | $326,000 | 4,248 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $1,596,040 | 2,983 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $7,958,000 | 4,148 |
| Total interest expense | $4,368,000 | 3,712 |
| Net interest income | $3,590,000 | 4,518 |
| Provision for loan and lease losses | $120,000 | 4,828 |
| Total noninterest income | $462,000 | 5,118 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $351,000 | 3,583 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $111,000 | 6,180 |
| Total noninterest expense | $2,581,000 | 4,745 |
| Salaries and employee benefits | $1,255,000 | 5,028 |
| Premises and equipment expense | $396,000 | 4,539 |
| Additional noninterest expense | $930,000 | 4,230 |
| Pre-tax net operating income | $1,351,000 | 4,378 |
| Securities gains (losses) | $6,000 | 1,308 |
| Applicable income taxes | $143,000 | 6,007 |
| Income before extraordinary items | $1,214,000 | 3,831 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $1,214,000 | 3,831 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 6,683 |
| Cash dividends | $308,000 | 4,419 |
| Sale, conversion, retirement of capital stock, net | $-976,000 | 9,852 |
| Net operating income | $1,208,660 | 3,835 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $6,863,000 | 4,477 |
| Total interest expense | $3,164,000 | 4,403 |
| Net interest income | $3,699,000 | 4,463 |
| Provision for loan and lease losses | $270,000 | 2,899 |
| Total noninterest income | $414,000 | 5,501 |
| 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 | $104,000 | 6,534 |
| Total noninterest expense | $2,441,000 | 4,972 |
| Salaries and employee benefits | $1,143,000 | 5,355 |
| Premises and equipment expense | $377,000 | 4,719 |
| Additional noninterest expense | $921,000 | 4,300 |
| Pre-tax net operating income | $1,402,000 | 4,293 |
| Securities gains (losses) | $-1,000 | 8,592 |
| Applicable income taxes | $16,000 | 8,309 |
| Income before extraordinary items | $1,385,000 | 3,450 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $1,385,000 | 3,450 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $48,000 | 4,912 |
| Cash dividends | $331,000 | 4,323 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $1,385,990 | 3,415 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $6,434,000 | 4,717 |
| Total interest expense | $3,012,000 | 4,712 |
| Net interest income | $3,422,000 | 4,679 |
| Provision for loan and lease losses | $145,000 | 4,249 |
| Total noninterest income | $396,000 | 5,646 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $290,000 | 4,023 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $106,000 | 6,504 |
| Total noninterest expense | $2,244,000 | 5,143 |
| Salaries and employee benefits | $1,098,000 | 5,406 |
| Premises and equipment expense | $386,000 | 4,555 |
| Additional noninterest expense | $760,000 | 4,848 |
| Pre-tax net operating income | $1,429,000 | 4,340 |
| Securities gains (losses) | $0 | 4,449 |
| Applicable income taxes | $50,000 | 8,328 |
| Income before extraordinary items | $1,379,000 | 3,488 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $1,379,000 | 3,489 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 6,674 |
| Cash dividends | $289,000 | 4,709 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $1,379,000 | 3,392 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $5,593,000 | 5,338 |
| Total interest expense | $2,582,000 | 5,292 |
| Net interest income | $3,011,000 | 5,289 |
| Provision for loan and lease losses | $10,000 | 8,395 |
| Total noninterest income | $391,000 | 5,799 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $298,000 | 4,100 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $93,000 | 6,977 |
| Total noninterest expense | $2,225,000 | 5,250 |
| Salaries and employee benefits | $1,052,000 | 5,674 |
| Premises and equipment expense | $375,000 | 4,665 |
| Additional noninterest expense | $798,000 | 4,733 |
| Pre-tax net operating income | $1,167,000 | 5,329 |
| Securities gains (losses) | $1,000 | 3,559 |
| Applicable income taxes | $434,000 | 4,638 |
| Income before extraordinary items | $734,000 | 5,749 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $734,000 | 5,751 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 8,093 |
| Cash dividends | $0 | 7,871 |
| Sale, conversion, retirement of capital stock, net | $-1,367,000 | 10,881 |
| Net operating income | $733,360 | 5,709 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $5,120,000 | 5,838 |
| Total interest expense | $2,255,000 | 5,930 |
| Net interest income | $2,865,000 | 5,637 |
| Provision for loan and lease losses | $22,000 | 7,876 |
| Total noninterest income | $385,000 | 6,077 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $306,000 | 4,168 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $79,000 | 7,772 |
| Total noninterest expense | $1,879,000 | 6,216 |
| Salaries and employee benefits | $942,000 | 6,256 |
| Premises and equipment expense | $326,000 | 5,271 |
| Additional noninterest expense | $611,000 | 6,292 |
| Pre-tax net operating income | $1,349,000 | 4,717 |
| Securities gains (losses) | $1,000 | 3,760 |
| Applicable income taxes | $435,000 | 4,624 |
| Income before extraordinary items | $915,000 | 4,812 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $915,000 | 4,813 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $9,000 | 7,597 |
| Cash dividends | $0 | 8,336 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $914,320 | 4,759 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $4,829,000 | 6,146 |
| Total interest expense | $2,164,000 | 6,148 |
| Net interest income | $2,665,000 | 6,015 |
| Provision for loan and lease losses | $0 | 8,958 |
| Total noninterest income | $303,000 | 7,047 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $227,000 | 5,229 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $76,000 | 8,106 |
| Total noninterest expense | $1,758,000 | 6,576 |
| Salaries and employee benefits | $869,000 | 6,711 |
| Premises and equipment expense | $276,000 | 5,977 |
| Additional noninterest expense | $613,000 | 6,457 |
| Pre-tax net operating income | $1,210,000 | 5,217 |
| Securities gains (losses) | $0 | 3,831 |
| Applicable income taxes | $411,000 | 4,855 |
| Income before extraordinary items | $799,000 | 5,458 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $799,000 | 5,456 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,000 | 8,657 |
| Cash dividends | $405,000 | 3,815 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $799,000 | 5,430 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $4,332,000 | 6,321 |
| Total interest expense | $1,634,000 | 6,515 |
| Net interest income | $2,698,000 | 6,104 |
| Provision for loan and lease losses | $0 | 9,146 |
| Total noninterest income | $303,000 | 7,201 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $208,000 | 5,708 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $95,000 | 7,669 |
| Total noninterest expense | $1,831,000 | 6,618 |
| Salaries and employee benefits | $839,000 | 6,982 |
| Premises and equipment expense | $297,000 | 5,766 |
| Additional noninterest expense | $695,000 | 6,357 |
| Pre-tax net operating income | $1,170,000 | 5,335 |
| Securities gains (losses) | $0 | 3,600 |
| Applicable income taxes | $385,000 | 4,897 |
| Income before extraordinary items | $785,000 | 5,438 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $785,000 | 5,454 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 8,198 |
| Cash dividends | $405,000 | 3,666 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $785,000 | 5,508 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $4,304,000 | 6,520 |
| Total interest expense | $1,659,000 | 6,718 |
| Net interest income | $2,645,000 | 6,262 |
| Provision for loan and lease losses | $0 | 10,371 |
| Total noninterest income | $314,000 | 7,458 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $214,000 | 5,711 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $100,000 | 7,857 |
| Total noninterest expense | $1,840,000 | 6,781 |
| Salaries and employee benefits | $862,000 | 6,936 |
| Premises and equipment expense | $306,000 | 5,744 |
| Additional noninterest expense | $672,000 | 6,775 |
| Pre-tax net operating income | $1,119,000 | 5,454 |
| Securities gains (losses) | $15,000 | 5,022 |
| Applicable income taxes | $386,000 | 5,138 |
| Income before extraordinary items | $748,000 | 5,834 |
| Extraordinary gains, net | $0 | 3,149 |
| Net income | $748,000 | 5,985 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-13,000 | 11,891 |
| Cash dividends | $380,000 | 3,807 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $738,100 | 5,635 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $4,185,000 | 7,265 |
| Total interest expense | $1,925,000 | 7,288 |
| Net interest income | $2,260,000 | 7,091 |
| Provision for loan and lease losses | $0 | 11,756 |
| Total noninterest income | $244,000 | 8,594 |
| Gross Fiduciary activities income | NA | NA |
| Service charges on deposit accounts | $197,000 | 6,054 |
| Trading account gains and fees | NA | NA |
| Additional Noninterest Income | $47,000 | 10,600 |
| Total noninterest expense | $1,573,000 | 7,659 |
| Salaries and employee benefits | $730,000 | 7,772 |
| Premises and equipment expense | $250,000 | 6,773 |
| Additional noninterest expense | $593,000 | 7,576 |
| Pre-tax net operating income | $931,000 | 5,938 |
| Securities gains (losses) | $23,000 | 5,402 |
| Applicable income taxes | $285,000 | 6,142 |
| Income before extraordinary items | $669,000 | 6,110 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $669,000 | 6,175 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $17,000 | 9,354 |
| Cash dividends | $326,000 | 3,810 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $652,900 | 5,859 |
* 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.