Home > Founders Bank > Income and Expense
Founders Bank, Income and Expense
| 2009-06-30 (YTD Data) | Rank | |
| Total interest income | $19,142,000 | 920 |
| Total interest expense | $8,924,000 | 723 |
| Net interest income | $10,218,000 | 1,070 |
| Provision for loan and lease losses | $8,872,000 | 489 |
| Total noninterest income | $4,879,000 | 661 |
| Gross Fiduciary activities income | $830,000 | 281 |
| Service charges on deposit accounts | $2,024,000 | 410 |
| Trading account gains and fees | $0 | 193 |
| Additional Noninterest Income | $2,025,000 | 878 |
| Total noninterest expense | $15,484,000 | 694 |
| Salaries and employee benefits | $5,971,000 | 851 |
| Premises and equipment expense | $2,731,000 | 504 |
| Additional noninterest expense | $6,782,000 | 585 |
| Pre-tax net operating income | $-9,259,000 | 7,906 |
| Securities gains (losses) | $-27,690,000 | 8,178 |
| Applicable income taxes | $0 | 4,657 |
| Income before extraordinary items | $-36,949,000 | 8,089 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $-36,949,000 | 8,087 |
| Minority interest net income | $0 | 112 |
| Net income of bank and minority interests. | $-36,949,000 | 8,088 |
| Net charge-offs | $2,281,000 | 1,041 |
| Cash dividends | $0 | 3,983 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,195 |
| Net operating income | $-9,259,000 | 7,937 |
| 2009-03-31 (YTD Data) | Rank | |
| Total interest income | $9,664,000 | 916 |
| Total interest expense | $4,557,000 | 731 |
| Net interest income | $5,107,000 | 1,068 |
| Provision for loan and lease losses | $2,607,000 | 622 |
| Total noninterest income | $2,229,000 | 696 |
| Gross Fiduciary activities income | $382,000 | 293 |
| Service charges on deposit accounts | $1,034,000 | 389 |
| Trading account gains and fees | $0 | 171 |
| Additional Noninterest Income | $813,000 | 1,002 |
| Total noninterest expense | $6,838,000 | 730 |
| Salaries and employee benefits | $2,741,000 | 939 |
| Premises and equipment expense | $1,555,000 | 457 |
| Additional noninterest expense | $2,542,000 | 670 |
| Pre-tax net operating income | $-2,109,000 | 7,842 |
| Securities gains (losses) | $-27,312,000 | 8,236 |
| Applicable income taxes | $-953,000 | 7,994 |
| Income before extraordinary items | $-28,468,000 | 8,175 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $-28,468,000 | 8,175 |
| Minority interest net income | $0 | 102 |
| Net income of bank and minority interests. | $-28,468,000 | 8,175 |
| Net charge-offs | $238,000 | 1,997 |
| Cash dividends | $0 | 3,051 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,068 |
| Net operating income | $-1,975,360 | 7,899 |
| 2008-12-31 (YTD Data) | Rank | |
| Total interest income | $49,642,000 | 750 |
| Total interest expense | $23,045,000 | 691 |
| Net interest income | $26,597,000 | 808 |
| Provision for loan and lease losses | $13,036,000 | 492 |
| Total noninterest income | $10,224,000 | 574 |
| Gross Fiduciary activities income | $1,811,000 | 282 |
| Service charges on deposit accounts | $4,456,000 | 396 |
| Trading account gains and fees | $0 | 154 |
| Additional Noninterest Income | $3,957,000 | 775 |
| Total noninterest expense | $28,222,000 | 707 |
| Salaries and employee benefits | $13,053,000 | 764 |
| Premises and equipment expense | $5,025,000 | 547 |
| Additional noninterest expense | $10,144,000 | 670 |
| Pre-tax net operating income | $-4,437,000 | 7,755 |
| Securities gains (losses) | $-4,775,000 | 8,076 |
| Applicable income taxes | $-3,261,000 | 8,032 |
| Income before extraordinary items | $-5,951,000 | 7,868 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $-5,951,000 | 7,868 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $7,538,000 | 504 |
| Cash dividends | $1,600,000 | 1,632 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,389 |
| Net operating income | $-2,847,250 | 7,647 |
| 2008-09-30 (YTD Data) | Rank | |
| Total interest income | $38,763,000 | 742 |
| Total interest expense | $17,980,000 | 691 |
| Net interest income | $20,783,000 | 795 |
| Provision for loan and lease losses | $8,316,000 | 460 |
| Total noninterest income | $8,066,000 | 581 |
| Gross Fiduciary activities income | $1,427,000 | 280 |
| Service charges on deposit accounts | $3,253,000 | 411 |
| Trading account gains and fees | $0 | 148 |
| Additional Noninterest Income | $3,386,000 | 757 |
| Total noninterest expense | $20,750,000 | 714 |
| Salaries and employee benefits | $9,612,000 | 793 |
| Premises and equipment expense | $3,648,000 | 573 |
| Additional noninterest expense | $7,490,000 | 642 |
| Pre-tax net operating income | $-217,000 | 7,040 |
| Securities gains (losses) | $-537,000 | 7,794 |
| Applicable income taxes | $-670,000 | 7,950 |
| Income before extraordinary items | $-84,000 | 6,758 |
| Extraordinary gains, net | $0 | 31 |
| Net income | $-84,000 | 6,756 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,760,000 | 459 |
| Cash dividends | $1,600,000 | 1,238 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,238 |
| Net operating income | $259,680 | 5,572 |
| 2008-06-30 (YTD Data) | Rank | |
| Total interest income | $27,147,000 | 720 |
| Total interest expense | $12,579,000 | 681 |
| Net interest income | $14,568,000 | 758 |
| Provision for loan and lease losses | $1,100,000 | 1,158 |
| Total noninterest income | $4,976,000 | 640 |
| Gross Fiduciary activities income | $975,000 | 284 |
| Service charges on deposit accounts | $2,060,000 | 414 |
| Trading account gains and fees | $0 | 149 |
| Additional Noninterest Income | $1,941,000 | 862 |
| Total noninterest expense | $14,097,000 | 689 |
| Salaries and employee benefits | $6,749,000 | 760 |
| Premises and equipment expense | $2,427,000 | 570 |
| Additional noninterest expense | $4,921,000 | 635 |
| Pre-tax net operating income | $4,347,000 | 820 |
| Securities gains (losses) | $-349,000 | 8,324 |
| Applicable income taxes | $1,297,000 | 744 |
| Income before extraordinary items | $2,701,000 | 1,019 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,701,000 | 1,019 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,227,000 | 400 |
| Cash dividends | $1,600,000 | 923 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,136 |
| Net operating income | $2,938,320 | 910 |
| 2008-03-31 (YTD Data) | Rank | |
| Total interest income | $14,173,000 | 706 |
| Total interest expense | $6,739,000 | 681 |
| Net interest income | $7,434,000 | 734 |
| Provision for loan and lease losses | $0 | 6,080 |
| Total noninterest income | $2,421,000 | 653 |
| Gross Fiduciary activities income | $450,000 | 300 |
| Service charges on deposit accounts | $1,023,000 | 413 |
| Trading account gains and fees | $0 | 158 |
| Additional Noninterest Income | $948,000 | 892 |
| Total noninterest expense | $6,714,000 | 715 |
| Salaries and employee benefits | $3,135,000 | 824 |
| Premises and equipment expense | $1,266,000 | 547 |
| Additional noninterest expense | $2,313,000 | 637 |
| Pre-tax net operating income | $3,141,000 | 622 |
| Securities gains (losses) | $191,000 | 457 |
| Applicable income taxes | $1,163,000 | 511 |
| Income before extraordinary items | $2,169,000 | 712 |
| Extraordinary gains, net | $0 | 15 |
| Net income | $2,169,000 | 713 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $1,215,000 | 410 |
| Cash dividends | $750,000 | 963 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,000 |
| Net operating income | $2,044,850 | 711 |
| 2007-12-31 (YTD Data) | Rank | |
| Total interest income | $61,042,000 | 681 |
| Total interest expense | $30,126,000 | 655 |
| Net interest income | $30,916,000 | 713 |
| Provision for loan and lease losses | $3,000,000 | 629 |
| Total noninterest income | $8,994,000 | 666 |
| Gross Fiduciary activities income | $1,751,000 | 302 |
| Service charges on deposit accounts | $3,919,000 | 445 |
| Trading account gains and fees | $0 | 178 |
| Additional Noninterest Income | $3,324,000 | 935 |
| Total noninterest expense | $28,722,000 | 655 |
| Salaries and employee benefits | $14,471,000 | 669 |
| Premises and equipment expense | $4,826,000 | 549 |
| Additional noninterest expense | $9,425,000 | 614 |
| Pre-tax net operating income | $8,188,000 | 1,033 |
| Securities gains (losses) | $-596,000 | 8,387 |
| Applicable income taxes | $2,436,000 | 951 |
| Income before extraordinary items | $5,156,000 | 1,240 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,156,000 | 1,239 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $198,000 | 2,883 |
| Cash dividends | $5,000,000 | 733 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,304 |
| Net operating income | $5,561,280 | 1,146 |
| 2007-09-30 (YTD Data) | Rank | |
| Total interest income | $46,174,000 | 678 |
| Total interest expense | $22,566,000 | 655 |
| Net interest income | $23,608,000 | 698 |
| Provision for loan and lease losses | $0 | 6,528 |
| Total noninterest income | $6,633,000 | 680 |
| Gross Fiduciary activities income | $1,325,000 | 296 |
| Service charges on deposit accounts | $2,886,000 | 449 |
| Trading account gains and fees | $0 | 184 |
| Additional Noninterest Income | $2,422,000 | 955 |
| Total noninterest expense | $20,573,000 | 672 |
| Salaries and employee benefits | $10,139,000 | 719 |
| Premises and equipment expense | $3,599,000 | 547 |
| Additional noninterest expense | $6,835,000 | 611 |
| Pre-tax net operating income | $9,668,000 | 721 |
| Securities gains (losses) | $0 | 1,655 |
| Applicable income taxes | $3,377,000 | 633 |
| Income before extraordinary items | $6,291,000 | 828 |
| Extraordinary gains, net | $0 | 33 |
| Net income | $6,291,000 | 826 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $150,000 | 2,308 |
| Cash dividends | $3,000,000 | 857 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,144 |
| Net operating income | $6,291,000 | 816 |
| 2007-06-30 (YTD Data) | Rank | |
| Total interest income | $30,704,000 | 697 |
| Total interest expense | $14,872,000 | 671 |
| Net interest income | $15,832,000 | 717 |
| Provision for loan and lease losses | $0 | 6,209 |
| Total noninterest income | $4,477,000 | 691 |
| Gross Fiduciary activities income | $907,000 | 300 |
| Service charges on deposit accounts | $1,876,000 | 462 |
| Trading account gains and fees | $0 | 168 |
| Additional Noninterest Income | $1,694,000 | 966 |
| Total noninterest expense | $13,912,000 | 677 |
| Salaries and employee benefits | $6,984,000 | 707 |
| Premises and equipment expense | $2,483,000 | 552 |
| Additional noninterest expense | $4,445,000 | 634 |
| Pre-tax net operating income | $6,397,000 | 759 |
| Securities gains (losses) | $0 | 1,444 |
| Applicable income taxes | $2,228,000 | 670 |
| Income before extraordinary items | $4,169,000 | 876 |
| Extraordinary gains, net | $0 | 29 |
| Net income | $4,169,000 | 875 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $85,000 | 2,258 |
| Cash dividends | $2,000,000 | 870 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,051 |
| Net operating income | $4,169,000 | 865 |
| 2007-03-31 (YTD Data) | Rank | |
| Total interest income | $15,181,000 | 694 |
| Total interest expense | $7,359,000 | 671 |
| Net interest income | $7,822,000 | 718 |
| Provision for loan and lease losses | $0 | 5,779 |
| Total noninterest income | $2,160,000 | 710 |
| Gross Fiduciary activities income | $426,000 | 309 |
| Service charges on deposit accounts | $915,000 | 457 |
| Trading account gains and fees | $0 | 195 |
| Additional Noninterest Income | $819,000 | 979 |
| Total noninterest expense | $6,581,000 | 712 |
| Salaries and employee benefits | $3,148,000 | 806 |
| Premises and equipment expense | $1,279,000 | 532 |
| Additional noninterest expense | $2,154,000 | 646 |
| Pre-tax net operating income | $3,401,000 | 718 |
| Securities gains (losses) | $0 | 1,187 |
| Applicable income taxes | $1,192,000 | 634 |
| Income before extraordinary items | $2,209,000 | 812 |
| Extraordinary gains, net | $0 | 22 |
| Net income | $2,209,000 | 811 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $21,000 | 2,505 |
| Cash dividends | $0 | 3,942 |
| Sale, conversion, retirement of capital stock, net | $0 | 885 |
| Net operating income | $2,209,000 | 802 |
| 2006-12-31 (YTD Data) | Rank | |
| Total interest income | $57,746,000 | 668 |
| Total interest expense | $25,329,000 | 668 |
| Net interest income | $32,417,000 | 678 |
| Provision for loan and lease losses | $0 | 6,850 |
| Total noninterest income | $8,561,000 | 697 |
| Gross Fiduciary activities income | $1,520,000 | 321 |
| Service charges on deposit accounts | $3,829,000 | 449 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $3,212,000 | 945 |
| Total noninterest expense | $27,856,000 | 636 |
| Salaries and employee benefits | $14,383,000 | 651 |
| Premises and equipment expense | $4,081,000 | 630 |
| Additional noninterest expense | $9,392,000 | 597 |
| Pre-tax net operating income | $13,122,000 | 765 |
| Securities gains (losses) | $0 | 1,687 |
| Applicable income taxes | $4,213,000 | 723 |
| Income before extraordinary items | $8,909,000 | 833 |
| Extraordinary gains, net | $0 | 51 |
| Net income | $8,909,000 | 832 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $77,000 | 3,499 |
| Cash dividends | $9,500,000 | 412 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,251 |
| Net operating income | $8,909,000 | 825 |
| 2006-09-30 (YTD Data) | Rank | |
| Total interest income | $42,559,000 | 684 |
| Total interest expense | $17,989,000 | 694 |
| Net interest income | $24,570,000 | 692 |
| Provision for loan and lease losses | $0 | 6,685 |
| Total noninterest income | $6,240,000 | 732 |
| Gross Fiduciary activities income | $1,159,000 | 318 |
| Service charges on deposit accounts | $2,824,000 | 465 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,257,000 | 1,008 |
| Total noninterest expense | $19,105,000 | 714 |
| Salaries and employee benefits | $9,582,000 | 749 |
| Premises and equipment expense | $2,808,000 | 700 |
| Additional noninterest expense | $6,715,000 | 625 |
| Pre-tax net operating income | $11,705,000 | 693 |
| Securities gains (losses) | $0 | 1,388 |
| Applicable income taxes | $3,791,000 | 664 |
| Income before extraordinary items | $7,914,000 | 734 |
| Extraordinary gains, net | $0 | 45 |
| Net income | $7,914,000 | 733 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $61,000 | 2,946 |
| Cash dividends | $7,500,000 | 372 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,045 |
| Net operating income | $7,914,000 | 728 |
| 2006-06-30 (YTD Data) | Rank | |
| Total interest income | $27,616,000 | 690 |
| Total interest expense | $11,180,000 | 705 |
| Net interest income | $16,436,000 | 694 |
| Provision for loan and lease losses | $0 | 6,419 |
| Total noninterest income | $4,048,000 | 751 |
| Gross Fiduciary activities income | $787,000 | 321 |
| Service charges on deposit accounts | $1,833,000 | 470 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $1,428,000 | 1,047 |
| Total noninterest expense | $12,776,000 | 712 |
| Salaries and employee benefits | $6,500,000 | 739 |
| Premises and equipment expense | $1,880,000 | 706 |
| Additional noninterest expense | $4,396,000 | 641 |
| Pre-tax net operating income | $7,708,000 | 701 |
| Securities gains (losses) | $0 | 1,185 |
| Applicable income taxes | $2,494,000 | 676 |
| Income before extraordinary items | $5,214,000 | 748 |
| Extraordinary gains, net | $0 | 39 |
| Net income | $5,214,000 | 748 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $27,000 | 3,182 |
| Cash dividends | $1,000,000 | 1,414 |
| Sale, conversion, retirement of capital stock, net | $0 | 887 |
| Net operating income | $5,214,000 | 734 |
| 2006-03-31 (YTD Data) | Rank | |
| Total interest income | $13,244,000 | 696 |
| Total interest expense | $5,255,000 | 703 |
| Net interest income | $7,989,000 | 704 |
| Provision for loan and lease losses | $0 | 6,013 |
| Total noninterest income | $1,874,000 | 776 |
| Gross Fiduciary activities income | $355,000 | 334 |
| Service charges on deposit accounts | $903,000 | 460 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $616,000 | 1,152 |
| Total noninterest expense | $5,975,000 | 748 |
| Salaries and employee benefits | $2,914,000 | 840 |
| Premises and equipment expense | $903,000 | 723 |
| Additional noninterest expense | $2,158,000 | 648 |
| Pre-tax net operating income | $3,888,000 | 684 |
| Securities gains (losses) | $0 | 955 |
| Applicable income taxes | $1,258,000 | 670 |
| Income before extraordinary items | $2,630,000 | 733 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $2,630,000 | 732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $4,000 | 3,605 |
| Cash dividends | $0 | 3,943 |
| Sale, conversion, retirement of capital stock, net | $0 | 648 |
| Net operating income | $2,630,000 | 717 |
| 2005-12-31 (YTD Data) | Rank | |
| Total interest income | $45,851,000 | 706 |
| Total interest expense | $13,658,000 | 827 |
| Net interest income | $32,193,000 | 654 |
| Provision for loan and lease losses | $0 | 7,120 |
| Total noninterest income | $8,164,000 | 720 |
| Gross Fiduciary activities income | $1,377,000 | 338 |
| Service charges on deposit accounts | $3,561,000 | 479 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,226,000 | 967 |
| Total noninterest expense | $25,889,000 | 669 |
| Salaries and employee benefits | $13,402,000 | 677 |
| Premises and equipment expense | $3,824,000 | 642 |
| Additional noninterest expense | $8,663,000 | 635 |
| Pre-tax net operating income | $14,468,000 | 689 |
| Securities gains (losses) | $-128,000 | 8,491 |
| Applicable income taxes | $4,982,000 | 646 |
| Income before extraordinary items | $9,358,000 | 772 |
| Extraordinary gains, net | $0 | 46 |
| Net income | $9,358,000 | 774 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $43,000 | 4,476 |
| Cash dividends | $2,500,000 | 1,197 |
| Sale, conversion, retirement of capital stock, net | $0 | 934 |
| Net operating income | $9,441,200 | 757 |
| 2005-09-30 (YTD Data) | Rank | |
| Total interest income | $33,364,000 | 703 |
| Total interest expense | $9,313,000 | 855 |
| Net interest income | $24,051,000 | 646 |
| Provision for loan and lease losses | $0 | 6,899 |
| Total noninterest income | $5,897,000 | 748 |
| Gross Fiduciary activities income | $1,024,000 | 332 |
| Service charges on deposit accounts | $2,622,000 | 491 |
| Trading account gains and fees | $0 | 126 |
| Additional Noninterest Income | $2,251,000 | 1,021 |
| Total noninterest expense | $17,852,000 | 708 |
| Salaries and employee benefits | $8,870,000 | 753 |
| Premises and equipment expense | $2,827,000 | 646 |
| Additional noninterest expense | $6,155,000 | 659 |
| Pre-tax net operating income | $12,096,000 | 631 |
| Securities gains (losses) | $-128,000 | 8,664 |
| Applicable income taxes | $4,208,000 | 598 |
| Income before extraordinary items | $7,760,000 | 699 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $7,760,000 | 700 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $31,000 | 4,089 |
| Cash dividends | $500,000 | 2,773 |
| Sale, conversion, retirement of capital stock, net | $0 | 769 |
| Net operating income | $7,843,200 | 676 |
| 2005-06-30 (YTD Data) | Rank | |
| Total interest income | $21,569,000 | 704 |
| Total interest expense | $5,757,000 | 865 |
| Net interest income | $15,812,000 | 647 |
| Provision for loan and lease losses | $0 | 6,626 |
| Total noninterest income | $3,733,000 | 766 |
| Gross Fiduciary activities income | $681,000 | 332 |
| Service charges on deposit accounts | $1,685,000 | 498 |
| Trading account gains and fees | $0 | 116 |
| Additional Noninterest Income | $1,367,000 | 1,073 |
| Total noninterest expense | $11,492,000 | 728 |
| Salaries and employee benefits | $5,610,000 | 793 |
| Premises and equipment expense | $1,900,000 | 633 |
| Additional noninterest expense | $3,982,000 | 667 |
| Pre-tax net operating income | $8,053,000 | 617 |
| Securities gains (losses) | $7,000 | 1,472 |
| Applicable income taxes | $2,838,000 | 579 |
| Income before extraordinary items | $5,222,000 | 687 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $5,222,000 | 687 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $33,000 | 3,220 |
| Cash dividends | $500,000 | 2,165 |
| Sale, conversion, retirement of capital stock, net | $0 | 643 |
| Net operating income | $5,217,450 | 668 |
| 2005-03-31 (YTD Data) | Rank | |
| Total interest income | $10,307,000 | 724 |
| Total interest expense | $2,611,000 | 904 |
| Net interest income | $7,696,000 | 665 |
| Provision for loan and lease losses | $0 | 6,226 |
| Total noninterest income | $1,942,000 | 730 |
| Gross Fiduciary activities income | $324,000 | 339 |
| Service charges on deposit accounts | $823,000 | 493 |
| Trading account gains and fees | $0 | 115 |
| Additional Noninterest Income | $795,000 | 954 |
| Total noninterest expense | $5,557,000 | 751 |
| Salaries and employee benefits | $2,722,000 | 816 |
| Premises and equipment expense | $944,000 | 631 |
| Additional noninterest expense | $1,891,000 | 679 |
| Pre-tax net operating income | $4,081,000 | 610 |
| Securities gains (losses) | $7,000 | 1,110 |
| Applicable income taxes | $1,441,000 | 574 |
| Income before extraordinary items | $2,647,000 | 670 |
| Extraordinary gains, net | $0 | 24 |
| Net income | $2,647,000 | 670 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-1,000 | 6,685 |
| Cash dividends | $500,000 | 1,205 |
| Sale, conversion, retirement of capital stock, net | $0 | 491 |
| Net operating income | $2,642,450 | 653 |
| 2004-12-31 (YTD Data) | Rank | |
| Total interest income | $36,249,000 | 772 |
| Total interest expense | $7,906,000 | 1,022 |
| Net interest income | $28,343,000 | 692 |
| Provision for loan and lease losses | $1,582,000 | 681 |
| Total noninterest income | $7,307,000 | 770 |
| Gross Fiduciary activities income | $1,316,000 | 325 |
| Service charges on deposit accounts | $2,921,000 | 593 |
| Trading account gains and fees | $0 | 138 |
| Additional Noninterest Income | $3,070,000 | 967 |
| Total noninterest expense | $23,391,000 | 693 |
| Salaries and employee benefits | $12,000,000 | 710 |
| Premises and equipment expense | $3,787,000 | 614 |
| Additional noninterest expense | $7,604,000 | 689 |
| Pre-tax net operating income | $10,677,000 | 826 |
| Securities gains (losses) | $537,000 | 436 |
| Applicable income taxes | $3,902,000 | 726 |
| Income before extraordinary items | $7,312,000 | 902 |
| Extraordinary gains, net | $0 | 34 |
| Net income | $7,312,000 | 903 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,577 |
| Cash dividends | $1,528,000 | 1,695 |
| Sale, conversion, retirement of capital stock, net | $0 | 872 |
| Net operating income | $6,962,950 | 903 |
| 2004-09-30 (YTD Data) | Rank | |
| Total interest income | $26,224,000 | 801 |
| Total interest expense | $5,683,000 | 1,049 |
| Net interest income | $20,541,000 | 704 |
| Provision for loan and lease losses | $1,582,000 | 502 |
| Total noninterest income | $5,341,000 | 802 |
| Gross Fiduciary activities income | $984,000 | 332 |
| Service charges on deposit accounts | $2,082,000 | 638 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $2,275,000 | 981 |
| Total noninterest expense | $16,334,000 | 737 |
| Salaries and employee benefits | $7,957,000 | 808 |
| Premises and equipment expense | $2,813,000 | 622 |
| Additional noninterest expense | $5,564,000 | 696 |
| Pre-tax net operating income | $7,966,000 | 838 |
| Securities gains (losses) | $-24,000 | 8,687 |
| Applicable income taxes | $2,754,000 | 781 |
| Income before extraordinary items | $5,188,000 | 952 |
| Extraordinary gains, net | $0 | 26 |
| Net income | $5,188,000 | 953 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $15,000 | 5,184 |
| Cash dividends | $1,528,000 | 1,225 |
| Sale, conversion, retirement of capital stock, net | $0 | 738 |
| Net operating income | $5,203,600 | 920 |
| 2004-06-30 (YTD Data) | Rank | |
| Total interest income | $17,043,000 | 806 |
| Total interest expense | $3,761,000 | 1,043 |
| Net interest income | $13,282,000 | 715 |
| Provision for loan and lease losses | $972,000 | 533 |
| Total noninterest income | $3,500,000 | 815 |
| Gross Fiduciary activities income | $641,000 | 334 |
| Service charges on deposit accounts | $1,340,000 | 650 |
| Trading account gains and fees | $0 | 130 |
| Additional Noninterest Income | $1,519,000 | 981 |
| Total noninterest expense | $10,579,000 | 760 |
| Salaries and employee benefits | $5,100,000 | 844 |
| Premises and equipment expense | $1,862,000 | 622 |
| Additional noninterest expense | $3,617,000 | 705 |
| Pre-tax net operating income | $5,231,000 | 834 |
| Securities gains (losses) | $-24,000 | 8,828 |
| Applicable income taxes | $1,810,000 | 780 |
| Income before extraordinary items | $3,397,000 | 964 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $3,397,000 | 965 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $8,000 | 4,984 |
| Cash dividends | $1,528,000 | 871 |
| Sale, conversion, retirement of capital stock, net | $0 | 638 |
| Net operating income | $3,412,600 | 924 |
| 2004-03-31 (YTD Data) | Rank | |
| Total interest income | $8,530,000 | 826 |
| Total interest expense | $1,909,000 | 1,039 |
| Net interest income | $6,621,000 | 734 |
| Provision for loan and lease losses | $441,000 | 586 |
| Total noninterest income | $1,625,000 | 848 |
| Gross Fiduciary activities income | $294,000 | 357 |
| Service charges on deposit accounts | $633,000 | 674 |
| Trading account gains and fees | $0 | 121 |
| Additional Noninterest Income | $698,000 | 1,021 |
| Total noninterest expense | $5,385,000 | 747 |
| Salaries and employee benefits | $2,590,000 | 849 |
| Premises and equipment expense | $954,000 | 618 |
| Additional noninterest expense | $1,841,000 | 684 |
| Pre-tax net operating income | $2,420,000 | 890 |
| Securities gains (losses) | $0 | 2,934 |
| Applicable income taxes | $833,000 | 860 |
| Income before extraordinary items | $1,587,000 | 1,035 |
| Extraordinary gains, net | $0 | 16 |
| Net income | $1,587,000 | 1,035 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $3,000 | 4,405 |
| Cash dividends | $1,528,000 | 448 |
| Sale, conversion, retirement of capital stock, net | $0 | 464 |
| Net operating income | $1,587,000 | 972 |
| 2003-12-31 (YTD Data) | Rank | |
| Total interest income | $32,611,000 | 857 |
| Total interest expense | $8,069,000 | 1,111 |
| Net interest income | $24,542,000 | 779 |
| Provision for loan and lease losses | $695,000 | 1,629 |
| Total noninterest income | $7,581,000 | 810 |
| Gross Fiduciary activities income | $1,023,000 | 378 |
| Service charges on deposit accounts | $2,608,000 | 659 |
| Trading account gains and fees | $0 | 160 |
| Additional Noninterest Income | $3,950,000 | 905 |
| Total noninterest expense | $22,548,000 | 724 |
| Salaries and employee benefits | $11,586,000 | 736 |
| Premises and equipment expense | $3,720,000 | 611 |
| Additional noninterest expense | $7,242,000 | 726 |
| Pre-tax net operating income | $8,880,000 | 949 |
| Securities gains (losses) | $2,606,000 | 245 |
| Applicable income taxes | $3,949,000 | 747 |
| Income before extraordinary items | $7,537,000 | 863 |
| Extraordinary gains, net | $0 | 54 |
| Net income | $7,537,000 | 865 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $52,000 | 5,028 |
| Cash dividends | $5,168,000 | 606 |
| Sale, conversion, retirement of capital stock, net | $0 | 868 |
| Net operating income | $5,817,040 | 1,044 |
| 2003-09-30 (YTD Data) | Rank | |
| Total interest income | $24,285,000 | 886 |
| Total interest expense | $6,145,000 | 1,141 |
| Net interest income | $18,140,000 | 805 |
| Provision for loan and lease losses | $347,000 | 2,273 |
| Total noninterest income | $6,048,000 | 804 |
| Gross Fiduciary activities income | $775,000 | 384 |
| Service charges on deposit accounts | $1,918,000 | 682 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,355,000 | 852 |
| Total noninterest expense | $15,635,000 | 784 |
| Salaries and employee benefits | $7,961,000 | 809 |
| Premises and equipment expense | $2,660,000 | 650 |
| Additional noninterest expense | $5,014,000 | 776 |
| Pre-tax net operating income | $8,206,000 | 824 |
| Securities gains (losses) | $2,606,000 | 227 |
| Applicable income taxes | $3,806,000 | 640 |
| Income before extraordinary items | $7,006,000 | 731 |
| Extraordinary gains, net | $0 | 40 |
| Net income | $7,006,000 | 732 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $22,000 | 5,282 |
| Cash dividends | $3,446,000 | 657 |
| Sale, conversion, retirement of capital stock, net | $0 | 722 |
| Net operating income | $5,312,100 | 882 |
| 2003-06-30 (YTD Data) | Rank | |
| Total interest income | $16,185,000 | 903 |
| Total interest expense | $4,196,000 | 1,139 |
| Net interest income | $11,989,000 | 810 |
| Provision for loan and lease losses | $90,000 | 4,018 |
| Total noninterest income | $3,904,000 | 812 |
| Gross Fiduciary activities income | $486,000 | 402 |
| Service charges on deposit accounts | $1,239,000 | 688 |
| Trading account gains and fees | $0 | 150 |
| Additional Noninterest Income | $2,179,000 | 863 |
| Total noninterest expense | $10,142,000 | 801 |
| Salaries and employee benefits | $5,213,000 | 821 |
| Premises and equipment expense | $1,740,000 | 672 |
| Additional noninterest expense | $3,189,000 | 822 |
| Pre-tax net operating income | $5,661,000 | 791 |
| Securities gains (losses) | $1,406,000 | 288 |
| Applicable income taxes | $2,463,000 | 656 |
| Income before extraordinary items | $4,604,000 | 751 |
| Extraordinary gains, net | $0 | 30 |
| Net income | $4,604,000 | 752 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 5,737 |
| Cash dividends | $2,623,000 | 587 |
| Sale, conversion, retirement of capital stock, net | $0 | 589 |
| Net operating income | $3,690,100 | 847 |
| 2003-03-31 (YTD Data) | Rank | |
| Total interest income | $8,164,000 | 905 |
| Total interest expense | $2,168,000 | 1,138 |
| Net interest income | $5,996,000 | 810 |
| Provision for loan and lease losses | $20,000 | 5,233 |
| Total noninterest income | $1,870,000 | 823 |
| Gross Fiduciary activities income | $222,000 | 427 |
| Service charges on deposit accounts | $597,000 | 694 |
| Trading account gains and fees | $0 | 134 |
| Additional Noninterest Income | $1,051,000 | 858 |
| Total noninterest expense | $5,161,000 | 790 |
| Salaries and employee benefits | $2,768,000 | 784 |
| Premises and equipment expense | $878,000 | 661 |
| Additional noninterest expense | $1,515,000 | 831 |
| Pre-tax net operating income | $2,685,000 | 832 |
| Securities gains (losses) | $31,000 | 1,674 |
| Applicable income taxes | $910,000 | 862 |
| Income before extraordinary items | $1,806,000 | 931 |
| Extraordinary gains, net | $0 | 21 |
| Net income | $1,806,000 | 930 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $5,000 | 4,508 |
| Cash dividends | $823,000 | 806 |
| Sale, conversion, retirement of capital stock, net | $0 | 419 |
| Net operating income | $1,785,540 | 872 |
| 2002-12-31 (YTD Data) | Rank | |
| Total interest income | $32,764,000 | 931 |
| Total interest expense | $9,720,000 | 1,157 |
| Net interest income | $23,044,000 | 837 |
| Provision for loan and lease losses | $281,000 | 3,600 |
| Total noninterest income | $6,584,000 | 833 |
| Gross Fiduciary activities income | $969,000 | 412 |
| Service charges on deposit accounts | $2,459,000 | 667 |
| Trading account gains and fees | $0 | 153 |
| Additional Noninterest Income | $3,156,000 | 964 |
| Total noninterest expense | $20,011,000 | 796 |
| Salaries and employee benefits | $10,540,000 | 771 |
| Premises and equipment expense | $3,138,000 | 709 |
| Additional noninterest expense | $6,333,000 | 802 |
| Pre-tax net operating income | $9,336,000 | 919 |
| Securities gains (losses) | $853,000 | 471 |
| Applicable income taxes | $3,337,000 | 847 |
| Income before extraordinary items | $6,852,000 | 913 |
| Extraordinary gains, net | $0 | 70 |
| Net income | $6,852,000 | 911 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $-97,000 | 9,231 |
| Cash dividends | $4,368,000 | 695 |
| Sale, conversion, retirement of capital stock, net | $0 | 862 |
| Net operating income | $6,280,490 | 953 |
| 2001-12-31 (YTD Data) | Rank | |
| Total interest income | $32,344,000 | 1,054 |
| Total interest expense | $12,983,000 | 1,247 |
| Net interest income | $19,361,000 | 916 |
| Provision for loan and lease losses | $328,000 | 3,030 |
| Total noninterest income | $6,043,000 | 855 |
| Gross Fiduciary activities income | $969,000 | 426 |
| Service charges on deposit accounts | $2,318,000 | 639 |
| Trading account gains and fees | $0 | 177 |
| Additional Noninterest Income | $2,756,000 | 1,007 |
| Total noninterest expense | $18,719,000 | 805 |
| Salaries and employee benefits | $9,820,000 | 758 |
| Premises and equipment expense | $3,020,000 | 713 |
| Additional noninterest expense | $5,879,000 | 845 |
| Pre-tax net operating income | $6,357,000 | 1,175 |
| Securities gains (losses) | $160,000 | 1,362 |
| Applicable income taxes | $1,897,000 | 1,230 |
| Income before extraordinary items | $4,620,000 | 1,172 |
| Extraordinary gains, net | $0 | 105 |
| Net income | $4,620,000 | 1,172 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $287,000 | 2,313 |
| Cash dividends | $2,892,000 | 966 |
| Sale, conversion, retirement of capital stock, net | $0 | 922 |
| Net operating income | $4,506,400 | 1,166 |
| 2000-12-31 (YTD Data) | Rank | |
| Total interest income | $30,723,000 | 1,148 |
| Total interest expense | $12,584,000 | 1,382 |
| Net interest income | $18,139,000 | 953 |
| Provision for loan and lease losses | $1,002,000 | 1,060 |
| Total noninterest income | $4,483,000 | 1,000 |
| Gross Fiduciary activities income | $828,000 | 461 |
| Service charges on deposit accounts | $2,045,000 | 659 |
| Trading account gains and fees | $0 | 180 |
| Additional Noninterest Income | $1,610,000 | 1,311 |
| Total noninterest expense | $17,699,000 | 819 |
| Salaries and employee benefits | $9,265,000 | 761 |
| Premises and equipment expense | $3,071,000 | 683 |
| Additional noninterest expense | $5,363,000 | 905 |
| Pre-tax net operating income | $3,921,000 | 1,867 |
| Securities gains (losses) | $94,000 | 578 |
| Applicable income taxes | $847,000 | 2,409 |
| Income before extraordinary items | $3,168,000 | 1,656 |
| Extraordinary gains, net | $0 | 38 |
| Net income | $3,168,000 | 1,655 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $232,000 | 2,177 |
| Cash dividends | $699,000 | 2,941 |
| Sale, conversion, retirement of capital stock, net | $0 | 969 |
| Net operating income | $3,093,740 | 1,687 |
| 1999-12-31 (YTD Data) | Rank | |
| Total interest income | $26,753,000 | 1,222 |
| Total interest expense | $11,377,000 | 1,321 |
| Net interest income | $15,376,000 | 1,144 |
| Provision for loan and lease losses | $523,000 | 1,708 |
| Total noninterest income | $3,806,000 | 1,134 |
| Gross Fiduciary activities income | $618,000 | 580 |
| Service charges on deposit accounts | $2,057,000 | 642 |
| Trading account gains and fees | $0 | 173 |
| Additional Noninterest Income | $1,131,000 | 1,715 |
| Total noninterest expense | $15,920,000 | 902 |
| Salaries and employee benefits | $8,332,000 | 829 |
| Premises and equipment expense | $2,492,000 | 813 |
| Additional noninterest expense | $5,096,000 | 941 |
| Pre-tax net operating income | $2,739,000 | 2,597 |
| Securities gains (losses) | $0 | 3,155 |
| Applicable income taxes | $422,000 | 4,019 |
| Income before extraordinary items | $2,317,000 | 2,256 |
| Extraordinary gains, net | $0 | 35 |
| Net income | $2,317,000 | 2,257 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $249,000 | 2,079 |
| Cash dividends | $1,070,000 | 2,149 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,035 |
| Net operating income | $2,317,000 | 2,234 |
| 1998-12-31 (YTD Data) | Rank | |
| Total interest income | $26,289,000 | 1,233 |
| Total interest expense | $11,515,000 | 1,347 |
| Net interest income | $14,774,000 | 1,147 |
| Provision for loan and lease losses | $518,000 | 1,678 |
| Total noninterest income | $3,641,000 | 1,154 |
| Gross Fiduciary activities income | $491,000 | 641 |
| Service charges on deposit accounts | $2,037,000 | 600 |
| Trading account gains and fees | $0 | 224 |
| Additional Noninterest Income | $1,113,000 | 1,717 |
| Total noninterest expense | $13,630,000 | 985 |
| Salaries and employee benefits | $6,816,000 | 955 |
| Premises and equipment expense | $1,974,000 | 984 |
| Additional noninterest expense | $4,840,000 | 967 |
| Pre-tax net operating income | $4,267,000 | 1,721 |
| Securities gains (losses) | $12,000 | 2,822 |
| Applicable income taxes | $957,000 | 2,383 |
| Income before extraordinary items | $3,322,000 | 1,585 |
| Extraordinary gains, net | $0 | 32 |
| Net income | $3,322,000 | 1,585 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $56,000 | 4,731 |
| Cash dividends | $3,255,000 | 919 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,027 |
| Net operating income | $3,312,640 | 1,531 |
| 1997-12-31 (YTD Data) | Rank | |
| Total interest income | $12,520,000 | 2,622 |
| Total interest expense | $5,501,000 | 2,723 |
| Net interest income | $7,019,000 | 2,470 |
| Provision for loan and lease losses | $444,000 | 1,948 |
| Total noninterest income | $1,942,000 | 1,808 |
| Gross Fiduciary activities income | $441,000 | 694 |
| Service charges on deposit accounts | $869,000 | 1,486 |
| Trading account gains and fees | $0 | 239 |
| Additional Noninterest Income | $632,000 | 2,386 |
| Total noninterest expense | $6,663,000 | 1,936 |
| Salaries and employee benefits | $3,626,000 | 1,800 |
| Premises and equipment expense | $1,004,000 | 1,968 |
| Additional noninterest expense | $2,033,000 | 2,057 |
| Pre-tax net operating income | $1,854,000 | 3,768 |
| Securities gains (losses) | $138,000 | 849 |
| Applicable income taxes | $362,000 | 5,191 |
| Income before extraordinary items | $1,630,000 | 3,109 |
| Extraordinary gains, net | $0 | 44 |
| Net income | $1,630,000 | 3,109 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $68,000 | 4,572 |
| Cash dividends | $1,481,000 | 1,643 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,030 |
| Net operating income | $1,516,840 | 3,251 |
| 1996-12-31 (YTD Data) | Rank | |
| Total interest income | $11,623,000 | 2,840 |
| Total interest expense | $5,527,000 | 2,756 |
| Net interest income | $6,096,000 | 2,914 |
| Provision for loan and lease losses | $195,000 | 3,475 |
| Total noninterest income | $1,907,000 | 1,915 |
| Gross Fiduciary activities income | $428,000 | 750 |
| Service charges on deposit accounts | $875,000 | 1,527 |
| Trading account gains and fees | $0 | 262 |
| Additional Noninterest Income | $604,000 | 2,557 |
| Total noninterest expense | $5,869,000 | 2,344 |
| Salaries and employee benefits | $3,165,000 | 2,113 |
| Premises and equipment expense | $921,000 | 2,166 |
| Additional noninterest expense | $1,783,000 | 2,722 |
| Pre-tax net operating income | $1,939,000 | 3,490 |
| Securities gains (losses) | $214,000 | 665 |
| Applicable income taxes | $368,000 | 5,153 |
| Income before extraordinary items | $1,785,000 | 2,722 |
| Extraordinary gains, net | $0 | 53 |
| Net income | $1,785,000 | 2,723 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $201,000 | 2,662 |
| Cash dividends | $1,563,000 | 1,533 |
| Sale, conversion, retirement of capital stock, net | $0 | 953 |
| Net operating income | $1,607,380 | 2,958 |
| 1995-12-31 (YTD Data) | Rank | |
| Total interest income | $11,305,000 | 2,947 |
| Total interest expense | $4,879,000 | 3,087 |
| Net interest income | $6,426,000 | 2,779 |
| Provision for loan and lease losses | $-154,000 | 11,784 |
| Total noninterest income | $1,794,000 | 2,004 |
| Gross Fiduciary activities income | $382,000 | 815 |
| Service charges on deposit accounts | $826,000 | 1,637 |
| Trading account gains and fees | $0 | 522 |
| Additional Noninterest Income | $586,000 | 2,579 |
| Total noninterest expense | $6,446,000 | 2,138 |
| Salaries and employee benefits | $3,012,000 | 2,201 |
| Premises and equipment expense | $971,000 | 2,072 |
| Additional noninterest expense | $2,463,000 | 2,020 |
| Pre-tax net operating income | $1,928,000 | 3,607 |
| Securities gains (losses) | $200,000 | 670 |
| Applicable income taxes | $276,000 | 6,289 |
| Income before extraordinary items | $1,852,000 | 2,677 |
| Extraordinary gains, net | $0 | 65 |
| Net income | $1,852,000 | 2,676 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $172,000 | 2,758 |
| Cash dividends | $1,823,000 | 1,324 |
| Sale, conversion, retirement of capital stock, net | $0 | 809 |
| Net operating income | $1,678,000 | 2,892 |
| 1994-12-31 (YTD Data) | Rank | |
| Total interest income | $10,742,000 | 2,830 |
| Total interest expense | $3,921,000 | 3,108 |
| Net interest income | $6,821,000 | 2,648 |
| Provision for loan and lease losses | $120,000 | 4,039 |
| Total noninterest income | $1,955,000 | 1,860 |
| Gross Fiduciary activities income | $382,000 | 821 |
| Service charges on deposit accounts | $863,000 | 1,570 |
| Trading account gains and fees | $0 | 475 |
| Additional Noninterest Income | $710,000 | 2,309 |
| Total noninterest expense | $6,175,000 | 2,284 |
| Salaries and employee benefits | $2,857,000 | 2,349 |
| Premises and equipment expense | $965,000 | 2,099 |
| Additional noninterest expense | $2,353,000 | 2,251 |
| Pre-tax net operating income | $2,481,000 | 2,849 |
| Securities gains (losses) | $-97,000 | 11,509 |
| Applicable income taxes | $302,000 | 5,856 |
| Income before extraordinary items | $2,082,000 | 2,334 |
| Extraordinary gains, net | $0 | 249 |
| Net income | $2,082,000 | 2,332 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $139,000 | 3,108 |
| Cash dividends | $2,139,000 | 1,050 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,160 |
| Net operating income | $2,166,390 | 2,271 |
| 1993-12-31 (YTD Data) | Rank | |
| Total interest income | $10,760,000 | 2,878 |
| Total interest expense | $4,003,000 | 3,168 |
| Net interest income | $6,757,000 | 2,667 |
| Provision for loan and lease losses | $150,000 | 4,621 |
| Total noninterest income | $1,760,000 | 2,154 |
| Gross Fiduciary activities income | $343,000 | 897 |
| Service charges on deposit accounts | $898,000 | 1,514 |
| Trading account gains and fees | $0 | 532 |
| Additional Noninterest Income | $519,000 | 3,191 |
| Total noninterest expense | $6,059,000 | 2,367 |
| Salaries and employee benefits | $2,633,000 | 2,525 |
| Premises and equipment expense | $930,000 | 2,205 |
| Additional noninterest expense | $2,496,000 | 2,233 |
| Pre-tax net operating income | $2,308,000 | 2,919 |
| Securities gains (losses) | $311,000 | 1,267 |
| Applicable income taxes | $438,000 | 4,683 |
| Income before extraordinary items | $2,181,000 | 2,289 |
| Extraordinary gains, net | $153,000 | 1,210 |
| Net income | $2,334,000 | 2,225 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $70,000 | 5,334 |
| Cash dividends | $2,262,000 | 910 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,223 |
| Net operating income | $1,922,870 | 2,459 |
| 1992-12-31 (YTD Data) | Rank | |
| Total interest income | $12,126,000 | 2,885 |
| Total interest expense | $5,158,000 | 3,226 |
| Net interest income | $6,968,000 | 2,605 |
| Provision for loan and lease losses | $345,000 | 3,809 |
| Total noninterest income | $1,689,000 | 2,176 |
| Gross Fiduciary activities income | $296,000 | 960 |
| Service charges on deposit accounts | $865,000 | 1,567 |
| Trading account gains and fees | $0 | 504 |
| Additional Noninterest Income | $528,000 | 3,074 |
| Total noninterest expense | $5,230,000 | 2,747 |
| Salaries and employee benefits | $2,391,000 | 2,715 |
| Premises and equipment expense | $810,000 | 2,560 |
| Additional noninterest expense | $2,029,000 | 2,769 |
| Pre-tax net operating income | $3,082,000 | 2,014 |
| Securities gains (losses) | $507,000 | 1,076 |
| Applicable income taxes | $910,000 | 2,296 |
| Income before extraordinary items | $2,679,000 | 1,709 |
| Extraordinary gains, net | $0 | 1,422 |
| Net income | $2,679,000 | 1,728 |
| Minority interest net income | NA | NA |
| Net income of bank and minority interests. | NA | NA |
| Net charge-offs | $55,000 | 7,355 |
| Cash dividends | $2,222,000 | 768 |
| Sale, conversion, retirement of capital stock, net | $0 | 1,165 |
| Net operating income | $2,298,750 | 1,834 |
* 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.